WO2019000968A1

WO2019000968A1 - Transaction tail difference processing method, apparatus and computer readable storage medium

Info

Publication number: WO2019000968A1
Application number: PCT/CN2018/076213
Authority: WO
Inventors: 胡凯豪; 罗佳; 方晓
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-06-26
Filing date: 2018-02-11
Publication date: 2019-01-03
Also published as: CN109118357A

Abstract

Disclosed in the present invention is a transaction tail difference processing method, which comprises the following steps: when a transaction of a first business scenario is completed, acquiring a first total amount and target total amount of the first business scenario; calculating a first difference value between the first total amount and the target total amount; acquiring an asset occupancy ratio corresponding to each account in the first business scenario; on the basis of the asset occupancy ratio and the first difference value, calculating a first amount corresponding to each account, and on the basis of the first amount, updating an account balance of each account. Further disclosed in the present invention are a transaction tail difference processing apparatus and a computer readable storage medium. The present invention may, according to the first total amount and target amount of the first business scenario, perform tail difference processing for each account in the first business scenario, and thus, insofar as the accuracy of an account management system is limited, the present invention reduces as much as possible errors that are introduced by operations related to account funds, thereby increasing the accuracy of account assets.

Description

Transaction tail difference processing method, device and computer readable storage medium

This application claims the priority of the Chinese Patent Application filed on June 26, 2017, the Chinese Patent Office, the application number is 201710497672.1, and the invention name is "transaction margin processing method, device and computer readable storage medium", the entire contents of which are The citation is incorporated in the application.

Technical field

The present invention relates to the field of data processing technologies, and in particular, to a transaction tail difference processing method and apparatus, and a computer readable storage medium.

Background technique

At present, the trading functions of the banking, wealth management, insurance and other industries are mainly implemented by the account management system. As the types of business in the banking, wealth management, insurance and other industries continue to increase, the account management system may involve transaction processing of dozens or even dozens of different businesses in the transaction process.

In the process of transaction processing through the account management system, due to the limited accuracy of the current accounting system, each purchase or sale of each account involving the operation of the account funds may introduce errors, thereby making the account The corresponding customer's assets are inaccurate, resulting in damage to the customer's assets.

The above content is only used to assist in understanding the technical solutions of the present invention, and does not constitute an admission that the above is prior art.

Summary of the invention

The main object of the present invention is to provide a transaction tail difference processing method and apparatus, and a computer readable storage medium, which are intended to solve the technical problem that the customer's assets are damaged due to errors introduced by the operation involving the account funds in the account management system. .

To achieve the above object, the present invention provides a transaction tail difference processing method, and the transaction tail difference processing method includes the following steps:

Obtaining, when the transaction of the first service scenario is completed, the first total amount of the first service scenario and the total amount of the target;

Calculating a first difference between the first total amount and the target total amount;

Obtaining an asset occupation ratio corresponding to each account in the first service scenario;

Calculating a first amount corresponding to each account based on the asset occupancy ratio and the first difference, and updating an account balance of each of the accounts based on the first amount.

Moreover, in order to achieve the above object, the present invention also provides a transaction tail difference processing apparatus, the transaction tail difference processing apparatus comprising: a memory, a processor, and a transaction stored on the memory and operable on the processor A tail difference handler that implements the steps of any of the methods described above when executed by the processor.

In addition, in order to achieve the above object, the present invention also provides a computer readable storage medium having a transaction tail difference processing program stored thereon, and the transaction tail difference processing program is implemented by a processor to implement the foregoing A step of the transaction tail processing method described.

The invention obtains the first total amount of the first business scenario and the target total amount when the transaction of the first business scenario is completed, and then calculates the first difference between the first total amount and the target total amount, and then obtains the first The ratio of assets corresponding to each account in the business scenario, and finally calculating the first amount corresponding to each account based on the asset occupancy ratio and the first difference, and updating the account balance of each account based on the first amount, according to the first service The first total amount of the scenario and the total amount of the target, the tail difference processing is performed on each account in the first business scenario, and the error introduced by the operation involving the account funds is minimized under the limited accuracy of the account management system. To improve the accuracy of user assets and to ensure that user assets do not get into the error of the operation of the account funds and suffer.

DRAWINGS

1 is a schematic structural diagram of a terminal to which a transaction tail difference processing device belongs in a hardware operating environment according to an embodiment of the present invention;

2 is a schematic flow chart of a first embodiment of a method for processing a transaction tail difference according to the present invention;

3 is a schematic flowchart of a step of calculating a first amount corresponding to each account based on the asset occupancy ratio and the first difference in the second embodiment of the transaction tail difference processing method of the present invention;

4 is a schematic flowchart of a step of acquiring an asset occupation ratio corresponding to each account in the first service scenario in the third embodiment of the transaction tail difference processing method of the present invention;

FIG. 5 is a schematic flowchart of the steps of obtaining the first total amount of the first service scenario in the fourth embodiment of the method for processing a transaction tail difference according to the fourth embodiment of the present invention;

6 is a method for processing a transaction tail difference according to a fifth embodiment of the present invention, in which a first amount corresponding to each account is calculated based on the asset occupancy ratio and the first difference, and each of the accounts is updated based on the first amount. A detailed process diagram of the steps of the account balance;

7 is a schematic flowchart of a sixth embodiment of a method for processing a transaction tail difference according to the present invention;

8 is a pre-transaction operation of the to-be-traded account corresponding to the second transaction request in the seventh embodiment of the transaction tail difference processing method of the present invention, to determine whether the remaining amount of the to-be-traded account after the pre-transaction is less than a preset amount Schematic diagram of the refinement of the steps;

FIG. 9 is a schematic flowchart of a process of calculating a remaining amount based on the input amount, the unit price of the second service scenario, and the total share in the eighth embodiment of the transaction tail difference processing method of the present invention.

The implementation, functional features, and advantages of the present invention will be further described in conjunction with the embodiments.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

As shown in FIG. 1 , FIG. 1 is a schematic structural diagram of a terminal to which a transaction tail difference processing device belongs in a hardware operating environment according to an embodiment of the present invention.

The terminal in the embodiment of the present invention may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving Picture). Experts Group Audio Layer III, Motion Picture Expert Compress Standard Audio Level 3) Player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 4) Players, portable computers and other portable terminal devices with display functions.

As shown in FIG. 1, the terminal may include a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002. Among them, the communication bus 1002 is used to implement connection communication between these components. The user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface. The network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface). The memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage. The memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.

Optionally, the terminal may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more. Among them, sensors such as light sensors, motion sensors, and other sensors. Specifically, the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display according to the brightness of the ambient light, and the proximity sensor may turn off the display and/or when the mobile terminal moves to the ear. Backlighting. As a kind of motion sensor, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (usually three axes), and can detect the magnitude and direction of gravity when stationary, and can be used to identify the posture of the mobile terminal (such as horizontal and vertical screen switching, Related games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer, tapping), etc.; of course, the mobile terminal can also be equipped with other sensors such as gyroscope, barometer, hygrometer, thermometer, infrared sensor, etc. No longer.

It will be understood by those skilled in the art that the terminal structure shown in FIG. 1 does not constitute a limitation to the terminal, and may include more or less components than those illustrated, or a combination of certain components, or different component arrangements.

As shown in FIG. 1, an operating system, a network communication module, a user interface module, and a transaction tail difference processing program may be included in the memory 1005 as a computer storage medium.

In the terminal shown in FIG. 1, the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server; the user interface 1003 is mainly used to connect the client (user end), and perform data communication with the client; and the processor The 1001 can be used to invoke the transaction tail difference processing program stored in the memory 1005, and execute the transaction tail difference processing method provided by the embodiment of the present application.

The invention further provides a transaction tail difference processing method. Referring to FIG. 2, FIG. 2 is a schematic flowchart diagram of a first embodiment of a method for processing a transaction tail difference according to the present invention.

In this embodiment, the transaction tail difference processing method includes:

Step S10: Acquire a first total amount of the first service scenario and a target total amount when the transaction of the first service scenario is completed;

In the process of transaction processing through the account management system, due to the limited accuracy of the current accounting system, each purchase or sale of each account involving the operation of the account funds may introduce errors, thereby causing the business. The actual transaction amount of the scenario is inconsistent with the theoretical amount, and the error between the actual transaction amount and the theoretical amount is the transaction tail difference.

The first business scenario includes one of a payment scenario, a fixed payment, an instalment fixed payment, a one-time payment, a redemption, a share redemption, an installment payment, an irregular payment, an account adjustment, a resignation, and an out-of-plan transfer. Multiple. In different embodiments, the business scenarios involved are different due to different transaction types.

The first total amount is the sum of the transaction amounts of the respective accounts corresponding to the first service scenario, and can be obtained by calculating the total share corresponding to the first service scenario and the unit price, and the total target amount is the corresponding corresponding to the first service scenario. The total amount may be stored in a preset database in association with the identification information corresponding to the service scenario, and the total amount may be found in the preset database according to the identification information of the first service scenario. For example, when the first business scenario is a payment, a fixed payment, a fixed-rate payment, a one-time payment, an instalment payment, or an irregular payment, the first total amount is a share corresponding to each account payment and the first business scenario. The product of the unit price, the total amount of the target is the total amount of the first business scenario, and when the first business scenario is a redemption of the amount, redemption, etc., the first total amount is the redemption share of each account and the first The product of the unit price of a business scenario, the total amount of the target is the total amount that should be redeemed for the first business scenario.

In this embodiment, when the transaction of the first service scenario is completed, the first total amount of the first service scenario and the target total amount are obtained, so as to calculate the current first service by using the obtained first total amount and the target total amount. The tail difference produced by the trading of the scene. The transaction completion of the first service scenario refers to: when the unit price of the first service scenario is updated, the transaction processing is performed according to the current transaction request of the first service scenario, but the corresponding user account is not updated according to the post-transaction data, and the current The transaction request includes an unprocessed transaction request prior to the unit price update of the first business scenario.

Step S20, calculating a first difference between the first total amount and the target total amount;

The first difference is an absolute value of a difference between the first total amount and the target total amount.

Step S30: Obtain an asset occupation ratio corresponding to each account in the first service scenario;

The asset occupancy ratio refers to the proportion of the assets of the first business scenario occupied by each account in the total assets of the first business scenario. Specifically, the total share of the first service scenario and the share occupied by each account in the first service scenario may be obtained, where the asset occupancy ratio may be divided by the share of the first service scenario occupied by each account. The total share of the first service scenario is obtained. Preferably, the total share of each service scenario is associated with the share occupied by each account in the service scenario, and is stored in a preset database, directly according to the first service scenario. The identification information is found in the preset database to obtain the total share and the share occupied by each account, and the share of each account obtained by dividing the obtained share by the total share is obtained by the account share ratio corresponding to each account; or, Obtaining a total amount of the first service scenario and an amount occupied by each account in the first service scenario, where the asset occupancy ratio is divided by the amount of the first service scenario occupied by each account by the first service scenario The total amount is obtained, preferably, the total amount of each business scenario can be accounted for by each account in the business scenario. The amount association is stored in the preset database, and the total amount and the amount occupied by each account are directly found in the preset database according to the identification information of the first business scenario, and the amount occupied by each account is divided. In the total amount, the ratio of assets corresponding to each account is obtained.

In this embodiment, when the first difference is obtained, the asset occupancy ratio corresponding to each account in the first service scenario is obtained, so as to allocate the first difference according to the asset occupancy ratio.

Step S40: Calculate a first amount corresponding to each account based on the asset occupancy ratio and the first difference, and update an account balance of each of the accounts based on the first amount.

In this embodiment, the first amount corresponding to each account is calculated based on the asset occupancy ratio and the first difference, and the account balance of each account is updated based on the first amount, which specifically includes: occupying an asset share ratio of each account. The product of the first difference is used as the to-be-compensated tail difference corresponding to each account, and the current amount of each account after the transaction is obtained, and the sum of the current amount corresponding to each account and the to-be-compensated difference is used as the amount of the account, wherein the first The amount refers to the amount of each account after the tail difference. For example, when the first business scenario is a payment, a fixed payment, a fixed-rate payment, a one-time payment, an instalment payment, or an irregular payment, the first amount refers to the payment of each account in the first business scenario. The amount after the tail difference, when the first business scenario is a business scenario such as amount redemption and share redemption, the first amount refers to the amount after each account in the first business scenario should be supplemented with the redemption tail difference.

The scheme of the embodiment is improved, and each account in the first service scenario is subjected to a tail difference processing according to the first total amount of the first service scenario and the target total amount, and further, when the accuracy of the account management system is limited, Minimize the error introduced by the operation involving the account funds, and ensure the accuracy of the information disclosure report corresponding to the first business scenario while ensuring the accuracy of the user assets, thereby avoiding the current tail difference in the transaction process. When the information disclosure report is inaccurate, it is necessary to manually check the business and IT and explain the reasons for the situation to the regulatory level, thereby improving the efficiency of transaction processing.

The transaction tail difference processing method proposed in this embodiment obtains the first total amount of the first service scenario and the target total amount when the transaction of the first service scenario is completed, and then calculates the relationship between the first total amount and the target total amount. a first difference, and then obtaining an asset share ratio corresponding to each account in the first service scenario, and finally calculating a first amount corresponding to each account based on the asset occupancy ratio and the first difference, and updating each of the accounts based on the first amount The balance of the account can be processed according to the first total amount of the first business scenario and the total amount of the target, and the tail difference processing is performed on each account in the first business scenario, thereby reducing the accuracy of the account management system as much as possible. Errors introduced by operations involving account funds, increased accuracy of user assets, and impaired operations that ensure that user assets do not fall into the operation of account funds.

Based on the first embodiment, a second embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 3, in the embodiment, step S40 includes:

Step S41, calculating, according to the asset occupancy ratio and the first difference, a to-be-compensated tail difference corresponding to each account;

In this embodiment, when the corresponding asset occupation ratio of each account is obtained, the to-be-compensated tail difference corresponding to each account is calculated according to the asset occupancy ratio and the first difference, and specifically, the to-be-compensated tail difference is the asset occupation ratio* The first difference.

Step S42: Calculate the current amount of each account based on the share and unit price corresponding to each account in the first service scenario;

In this embodiment, the share corresponding to each account in the first service scenario and the unit price corresponding to the first service scenario are obtained, and the current amount of each account is calculated according to the share and unit price corresponding to each account. Specifically, each account corresponds to The product of the share and the unit price is the current amount of each account.

Step S43, calculating a first amount corresponding to each of the accounts based on the to-be-compensated tail difference and the current amount.

In this embodiment, when the current amount of each account and the corresponding to-be-sufficient difference are obtained, the first amount corresponding to each account is calculated based on the to-be-completed difference and the current amount. Specifically, the first amount is a corresponding account. The sum of the pending tail difference and the current amount of the account.

The transaction tail difference processing method proposed in this embodiment calculates the to-be-compensated tail difference corresponding to each account based on the asset occupancy ratio and the first difference, and then calculates each account based on the share and unit price of each account in the first service scenario. The current amount, and then the first amount corresponding to each account is calculated based on the to-be-completed difference and the current amount, and the first amount is accurately calculated according to the asset occupancy ratio and the first difference corresponding to each account, and then the first business scenario is further Each account in the account is subjected to tail difference processing. When the accuracy of the account management system is limited, the error introduced by the operation involving the account funds is minimized, and the accuracy of the user assets is further improved.

Based on the first embodiment, a third embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 4, in the embodiment, step S30 includes:

Step S31, determining whether the first difference is greater than a preset difference;

The preset difference can be reasonably set according to actual needs. For example, the preset difference can be set to 0.01 yuan.

In this embodiment, by determining whether the first difference is greater than the preset difference, it is determined whether it is necessary to process the tail difference generated after the transaction.

In step S32, when the first difference is greater than the preset difference, the asset occupation ratio corresponding to each account in the first service scenario is obtained.

In this embodiment, when it is determined that the first difference is greater than the preset difference, the tail difference generated in the current transaction process needs to be processed. Therefore, the asset occupation ratio corresponding to each account in the first service scenario is obtained, so as to facilitate The asset possesses the tail difference processing for each account.

The asset occupancy ratio refers to the proportion of the assets of the first business scenario occupied by each account in the total assets of the first business scenario. Specifically, the asset possession ratio can be occupied by each account. The share of a service scenario is obtained by dividing the total share of the first service scenario, or by the amount of the first service scenario occupied by each account divided by the total amount of the first service scenario.

The transaction tail difference processing method in this embodiment determines whether the first difference is greater than the preset difference, and then obtains the asset possession corresponding to each account in the first service scenario when the first difference is greater than the preset difference. Compared, the tail difference generated by the transaction is processed when the first difference is greater than the preset difference, and the tail difference processing is avoided when the tail difference is too small or does not exist, thereby affecting the efficiency of the transaction.

Based on the first embodiment, a fourth embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 5, in the embodiment, step S10 includes:

Step S11: Obtain a total share and a unit price corresponding to the current first service scenario;

In this embodiment, when the transaction of the first service scenario is completed, the total share and the unit price corresponding to the current first service scenario are obtained. For example, when the unit price of the first service scenario is updated, the transaction processing is performed according to the current transaction request of the first service scenario, and the total share corresponding to the first service scenario after the transaction processing is obtained. The unit price of the first service scenario refers to the updated unit price.

Step S12, calculating the first total amount based on the total share and the unit price.

In this embodiment, calculating the first total amount based on the total share and the unit price specifically means: the product of the total share and the unit price as the first total amount.

The transaction tail difference processing method proposed in this embodiment obtains the total share and the unit price corresponding to the current first service scenario, and then calculates the first total amount based on the total share and the unit price, thereby realizing the accurate total share and unit price according to the first service scenario. The first total amount is obtained, and the first total amount can be accurately obtained, thereby improving the accuracy of the first difference in the process of the tail difference processing, and further improving the accuracy of the user assets after the difference processing.

Based on the first embodiment, a fifth embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 6, in the embodiment, after the step S40, the transaction tail difference processing method further includes:

Step S50: Acquire a second amount corresponding to the first transaction request when receiving the first transaction request corresponding to the first service scenario;

The second amount refers to the account balance after the account corresponding to the first transaction request is updated.

In this embodiment, when receiving the first transaction request corresponding to the first service scenario, acquiring a second amount corresponding to the first transaction request, to perform a transaction based on the first transaction request according to the updated account balance, and ensuring the transaction. accuracy.

Step S60: Perform a transaction operation on the account corresponding to the first transaction request based on the second amount.

In this embodiment, when the second amount is acquired, a transaction operation is performed on the account corresponding to the first transaction request based on the second amount, so as to perform transactions according to the updated account balance, and the accuracy of the transaction is ensured.

The transaction tail difference processing method of the present embodiment, when receiving the first transaction request corresponding to the first service scenario, acquiring the second amount corresponding to the first transaction request, and then corresponding to the first transaction request based on the second amount The account performs a transaction operation, so that the first business scenario is subsequently traded according to the account balance of each account after the update, thereby avoiding recurrence of errors and improving the accuracy and efficiency of the transaction.

Based on the foregoing embodiment, a sixth embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 7, in this embodiment, the transaction tail difference processing method further includes:

Step S70: Perform a pre-transaction operation on the account to be traded corresponding to the second transaction request when the unit price corresponding to the second service scenario is updated and the second transaction request currently exists, to determine the account to be traded after the pre-transaction Whether the remaining amount is less than the preset amount;

The second business scenario includes one or more of a business scenario such as amount redemption, share redemption, resignation, and planned outbound. The second transaction request includes a transaction request that is not processed in the second service scenario before the unit price update, and a transaction request that receives the second service scenario after the unit price update of the second service scenario, specifically, the second transaction request includes user input Trading share or transaction amount.

The preset amount refers to the minimum amount that cannot be correspondingly traded to the account when the preset amount is less than the preset amount. The preset amount can be reasonably set according to the actual situation. For example, the preset amount can be set to 0.01 yuan.

In this embodiment, after the unit price corresponding to the second service scenario is updated, if there is currently a second transaction request, the pre-transaction operation is performed on the account to be traded corresponding to the second transaction request, and the account to be traded after the pre-transaction is obtained. The remaining amount and determine whether the remaining amount is less than the preset amount.

For example, when the preset amount is 0.01 yuan, if the second transaction request is a redemption request, the remaining amount of the to-be-traded account after the pre-transaction is less than the preset amount, that is, less than 0.01 yuan, and the remaining amount is too small. Can not be redeemed again, resulting in the remaining amount of the account to be traded, resulting in the user's assets can not be redeemed, resulting in damage to the user's assets.

Step S80: When the remaining amount is less than the preset amount, the total share of the second service scenario corresponding to the account to be traded is used as a transaction share for the transaction operation.

In this embodiment. When the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as the transaction share, and the total share of the account to be traded before the transaction is all transactions, so that the transaction is to be traded after the transaction. The remaining amount of the account is cleared to ensure that the user corresponding to the account to be traded can redeem the assets.

In an embodiment, the step S80 may be replaced by performing a transaction operation by using the total amount of the second service scenario corresponding to the to-be-traded account as the transaction share when the remaining amount is less than the preset amount.

The transaction tail difference processing method proposed in this embodiment performs a pre-transaction operation on the to-be-traded account corresponding to the second transaction request to determine the pre-transaction by updating the unit price corresponding to the second service scenario and currently having the second transaction request. Whether the remaining amount of the post-trade account is less than the preset amount, and then when the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as the transaction share, and the remaining amount is less than the preset amount. When the amount is used, all the total shares of the trading account will be traded to ensure that there is no remaining assets in the to-be-traded account after the transaction, and it is possible to avoid the situation where the remaining assets that cannot be traded again exist in the to-be-traded account after the transaction, and the user assets are damaged. occur.

Based on the sixth embodiment, a seventh embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 8, in this embodiment, step S70 includes:

Step S71, acquiring an input amount corresponding to the second transaction request and a total share of the second service scenario corresponding to the to-be-traded account;

In this embodiment, when the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, the input amount corresponding to the second transaction request and the total share of the second service scenario corresponding to the account to be traded are acquired, and the total The share refers to the share of the second business scenario held by the account to be traded. In general, the identifier corresponding to the second service scenario is stored in the database in association with the account information of all the accounts in the second service scenario, where the account information includes the account name and the second service scenario held by the account. The information such as the share, when the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, the identifier corresponding to the second service scenario and the account to be traded corresponding to the second transaction request may be found in the database. The share of the second service scenario held by the transaction account is the total share of the second service scenario corresponding to the account to be traded.

Step S72, calculating the remaining amount based on the input amount, the unit price of the second service scenario, and the total share;

In this embodiment, when the input amount and the total share are acquired, the remaining amount after the pre-transaction is calculated according to the current unit price, the input amount, and the total share of the second business scenario.

Specifically, the remaining amount = unit price * total share - input amount.

Step S73, determining whether the remaining amount is less than a preset amount.

The preset amount refers to a minimum amount that cannot be corresponding to the transaction when the preset amount is less than the preset amount, and the preset amount may be reasonably set according to actual conditions, for example, the preset amount may be set to 0.01 yuan.

In this embodiment, when the remaining amount is calculated, it is determined whether the remaining amount is less than a preset amount, so as to select a transaction mode corresponding to the second transaction request.

The transaction tail difference processing method proposed in this embodiment obtains the input amount corresponding to the second transaction request and the total share of the second service scenario corresponding to the account to be traded, and then calculates the unit price based on the input amount, the second business scenario, and the total share. The remaining amount is then determined whether the remaining amount is less than the preset amount, and the remaining amount of the account to be traded is calculated according to the input amount, the unit price, and the total share, thereby being able to accurately determine whether the total share of the account to be traded needs to be determined according to the remaining amount. All transactions are carried out to ensure that there are no remaining assets in the account to be traded after the transaction, which can avoid the occurrence of damage to the user assets caused by the remaining assets that cannot be traded again after the transaction, which further improves the accuracy of the transaction. Sex and efficiency.

Based on the seventh embodiment, an eighth embodiment of the transaction tail difference processing method of the present invention is proposed. Referring to FIG. 9, in this embodiment, step S72 includes:

Step S721: Calculate, according to the unit price of the second service scenario and the total share, a second total amount corresponding to the account to be traded;

In this embodiment, when the total share of the account to be traded is acquired, the second total amount of the account to be traded is calculated according to the unit price of the second service scenario and the total share of the account to be traded, that is, the account to be traded The total amount of the second business scenario. Specifically, the second total amount = unit price * total share.

Step S722, calculating a second difference between the second total amount and the input amount, and using the second difference as the remaining amount.

In this embodiment, when the second total amount is obtained, a second difference between the second total amount and the input amount corresponding to the second transaction request is calculated, and the second difference is used as the remaining amount. It is easy to understand that if the second transaction request includes only the input share corresponding to the second service scenario, the input amount is calculated based on the input share and the unit price of the second service scenario, specifically, the input amount = input share * unit price.

The transaction tail difference processing method proposed in this embodiment calculates a second total amount corresponding to the transaction account based on the unit price and the total share of the second service scenario, and then calculates a second difference between the second total amount and the input amount. And the second difference is used as the remaining amount, and the remaining amount is accurately calculated according to the second total amount and the input amount, so that it is possible to accurately determine whether the total share of the account to be traded needs to be all transactions according to the remaining amount, so as to ensure After the transaction, there is no remaining assets in the to-be-traded account, which further improves the accuracy and efficiency of the transaction.

The present invention also provides a computer readable storage medium. In this embodiment, a computer readable storage medium stores a transaction tail difference processing program, and when the transaction tail difference processing program is executed by the processor, the transaction tail is implemented. The steps of the difference processing method.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, item, or system. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in a process, method, article, or system that includes the element, without further limitation.

The serial numbers of the embodiments of the present invention are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, portions of the technical solution of the present invention that contribute substantially or to the prior art may be embodied in the form of a software product stored in a storage medium (such as a ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present invention.

The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the present invention and the drawings are directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of the present invention.

Claims

A transaction tail difference processing method, characterized in that the transaction tail difference processing method comprises the following steps:

Obtaining, when the transaction of the first service scenario is completed, the first total amount of the first service scenario and the total amount of the target;

Calculating a first difference between the first total amount and the target total amount;

Obtaining an asset occupation ratio corresponding to each account in the first service scenario;

Calculating a first amount corresponding to each account based on the asset occupancy ratio and the first difference, and updating an account balance of each of the accounts based on the first amount.
The transaction tail difference processing method according to claim 1, wherein the transaction tail difference processing method further comprises:

When the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, performing a pre-transaction operation on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is Less than the preset amount;

When the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as a transaction share for the transaction operation.
The transaction tail difference processing method according to claim 2, wherein said pre-transaction operation is performed on an account to be traded corresponding to said second transaction request to determine whether a remaining amount of said account to be traded after said pre-transaction is The steps less than the preset amount include:

Obtaining an input amount corresponding to the second transaction request and a total share of the second service scenario corresponding to the to-be-traded account;

Calculating the remaining amount based on the input amount, the unit price of the second business scenario, and the total share;

It is determined whether the remaining amount is less than a preset amount.
The transaction tail difference processing method according to claim 3, wherein the calculating the remaining amount based on the input amount, the unit price of the second service scenario, and the total share comprises:

Calculating, according to the unit price of the second service scenario and the total share, a second total amount corresponding to the account to be traded;

Calculating a second difference between the second total amount and the input amount, and using the second difference as the remaining amount.
The transaction tail difference processing method according to claim 1, wherein the step of calculating the first amount corresponding to each account based on the asset occupancy ratio and the first difference comprises:

Calculating a to-be-compensated tail difference corresponding to each account based on the asset occupancy ratio and the first difference value;

Calculating a current amount of each account based on the share and unit price corresponding to each account in the first service scenario;

Calculating a first amount corresponding to each of the accounts based on the to-be-compensated tail difference and the current amount.
The transaction tail difference processing method according to claim 5, wherein the transaction tail difference processing method further comprises:

When the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, performing a pre-transaction operation on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is Less than the preset amount;

When the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as a transaction share for the transaction operation.
The transaction tail difference processing method according to claim 6, wherein the pre-transaction operation is performed on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is The steps less than the preset amount include:

Obtaining an input amount corresponding to the second transaction request and a total share of the second service scenario corresponding to the to-be-traded account;

Calculating the remaining amount based on the input amount, the unit price of the second business scenario, and the total share;

It is determined whether the remaining amount is less than a preset amount.
The transaction tail difference processing method according to claim 7, wherein the calculating the remaining amount based on the input amount, the unit price of the second service scenario, and the total share comprises:

Calculating, according to the unit price of the second service scenario and the total share, a second total amount corresponding to the account to be traded;

Calculating a second difference between the second total amount and the input amount, and using the second difference as the remaining amount.
The transaction tail difference processing method according to claim 1, wherein the step of acquiring an asset occupancy ratio corresponding to each account in the first service scenario comprises:

Determining whether the first difference is greater than a preset difference;

When the first difference is greater than the preset difference, the asset occupation ratio corresponding to each account in the first service scenario is obtained.
The transaction tail difference processing method according to claim 9, wherein the transaction tail difference processing method further comprises:

When the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, performing a pre-transaction operation on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is Less than the preset amount;

When the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as a transaction share for the transaction operation.
The transaction tail difference processing method according to claim 10, wherein the pre-transaction operation is performed on the account to be trade corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is The steps less than the preset amount include:

Obtaining an input amount corresponding to the second transaction request and a total share of the second service scenario corresponding to the to-be-traded account;

Calculating the remaining amount based on the input amount, the unit price of the second business scenario, and the total share;

It is determined whether the remaining amount is less than a preset amount.
The transaction tail difference processing method according to claim 11, wherein the calculating the remaining amount based on the input amount, the unit price of the second service scenario, and the total share comprises:

Calculating, according to the unit price of the second service scenario and the total share, a second total amount corresponding to the account to be traded;

Calculating a second difference between the second total amount and the input amount, and using the second difference as the remaining amount.
The transaction tail difference processing method according to claim 1, wherein the step of acquiring the first total amount of the first service scenario comprises:

Obtain the total share and unit price corresponding to the current first service scenario;

The first total amount is calculated based on the total share and the unit price.
The transaction tail difference processing method according to claim 13, wherein the transaction tail difference processing method further comprises:

When the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, performing a pre-transaction operation on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is Less than the preset amount;

When the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as a transaction share for the transaction operation.
The transaction tail difference processing method according to claim 14, wherein the pre-transaction operation is performed on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is The steps less than the preset amount include:

Obtaining an input amount corresponding to the second transaction request and a total share of the second service scenario corresponding to the to-be-traded account;

Calculating the remaining amount based on the input amount, the unit price of the second business scenario, and the total share;

It is determined whether the remaining amount is less than a preset amount.
The transaction tail difference processing method according to claim 15, wherein the calculating the remaining amount based on the input amount, the unit price of the second service scenario, and the total share comprises:

Calculating, according to the unit price of the second service scenario and the total share, a second total amount corresponding to the account to be traded;

Calculating a second difference between the second total amount and the input amount, and using the second difference as the remaining amount.
As in claim 1 The transaction tail difference processing method is characterized in that the first amount corresponding to each account is calculated based on the asset occupancy ratio and the first difference, and an account of each account is updated based on the first amount After the step of the balance, the transaction tail difference processing method further includes:

Obtaining a second amount corresponding to the first transaction request when receiving the first transaction request corresponding to the first service scenario;

And performing a transaction operation on the account corresponding to the first transaction request based on the second amount.
The transaction tail difference processing method according to claim 17, wherein the transaction tail difference processing method further comprises:

When the unit price corresponding to the second service scenario is updated, and the second transaction request currently exists, performing a pre-transaction operation on the account to be traded corresponding to the second transaction request to determine whether the remaining amount of the account to be traded after the pre-transaction is Less than the preset amount;

When the remaining amount is less than the preset amount, the total share of the second business scenario corresponding to the account to be traded is used as a transaction share for the transaction operation.
A transaction tail difference processing apparatus, characterized in that: the transaction tail difference processing apparatus comprises: a memory, a processor, and a transaction tail difference processing program stored on the memory and operable on the processor, The steps of the method of claim 1 are implemented when the transaction handoff handler is executed by the processor.
A computer readable storage medium, characterized in that the computer readable storage medium stores a transaction tail difference processing program, and the transaction tail difference processing program is executed by a processor to implement the transaction tail according to claim 1. The steps of the difference processing method.