WO2019196252A1

WO2019196252A1 - Method, apparatus, and terminal device for processing prepaid virtual resources, and medium

Info

Publication number: WO2019196252A1
Application number: PCT/CN2018/097108
Authority: WO
Inventors: 陈文博
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-04-09
Filing date: 2018-07-25
Publication date: 2019-10-17
Also published as: CN108734461A; CN108734461B

Abstract

The present application provides a method, apparatus, and terminal device for processing prepaid virtual resources, and a medium, applicable to the technical field of information security. The method comprises: calculating a corresponding first minimum payment amount of virtual resources on a starting date of a locked period; obtaining a corresponding actual daily interest rate in the locked period; calculating a total amount of the virtual resources in the locked period, and calculating a difference between the total amount of the virtual resources in the locked period and a total amount of virtual resources to be paid to obtain a return amount of the virtual resources; and after the locked period expires, extracting the total amount of the virtual resources to be paid from the obtained total amount of the virtual resources, transferring the total amount of the virtual resources to be paid to a receiving party by means of a preset authentication channel, and transferring the return amount of the virtual resources to a sending party. Virtual resources in a locked period can also be subjected to corresponding daily interest rate calculation, so that virtual resource transfer in the locked period is achieved.

Description

Method, device, terminal device and medium for processing prepaid virtual resources

This application claims priority to Chinese Patent Application No. 201101309675.2, entitled "Processing Method and Terminal Equipment for Prepaid Virtual Resources", filed on April 9, 2018, the entire contents of which are hereby incorporated by reference. Combined in this application.

Technical field

The present application belongs to the field of data processing technologies, and in particular, to a method, an apparatus, a terminal device, and a medium for processing a prepaid virtual resource.

Background technique

Common prepaid virtual resources include deposits paid online when purchasing pre-sold products, or payments made online when purchasing products during the collection period. The prepaid virtual resource is characterized in that before the purchased service takes effect or before the product is delivered, the prepaid virtual resource is in a locked state, and neither party can perform any operation on the locked virtual resource, resulting in the virtual resource during the period. It is impossible to transfer within, resulting in waste of virtual resources.

technical problem

In view of this, the embodiment of the present application provides a method for processing a prepaid virtual resource and a terminal device, so as to solve the problem that the virtual resource in the prior art cannot be transferred during the lock period, thereby causing waste of the virtual resource.

Technical solution

A first aspect of the present application provides a method for processing a prepaid virtual resource, including:

Calculating, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, wherein the P is the first minimum payment amount, and the F is the The total amount of the virtual resource to be paid, the i is the first estimated daily interest rate corresponding to the lock period, and the n is the number of days of the lock period;

If the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount, obtaining an actual daily interest rate corresponding to the lock period;

Calculating a total resource amount of the virtual resource in the lock period according to a formula H=R×(1+a ₁ )×(1+a ₂ )×...×(1+a _n ), and calculating the virtual resource The difference between the total amount of resources in the lock period and the total amount of money to be paid by the virtual resource, where the return amount of the virtual resource is obtained, where the H is the virtual resource in the lock period the total amount of resources, the R is the actual amount of the payment date of the actual interest a _n of n-th day to the lock;

After the lock period is completed, the virtual resource of the total amount of the required payment is extracted from the obtained virtual resource of the total resource amount, and is transferred to the receiver through a preset authentication channel. Transferring the virtual resource of the return amount to the sender.

The second aspect of the embodiment of the present application provides a processing device for a prepaid virtual resource, including:

a first minimum payment amount calculation module, configured to calculate, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, where the P is the first a minimum amount of payment, the F is a total amount of money to be paid by the virtual resource, the i is a first estimated daily interest rate corresponding to the lock period, and n is a number of days of the lock period;

An actual daily interest rate obtaining module, configured to acquire an actual daily interest rate corresponding to the lockout period if an actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount;

a resource quantity calculation module, configured to calculate a total resource amount of the virtual resource in the lock period according to a formula H=R×(1+a ₁ )×(1+a ₂ )×...×(1+a _n ) And calculating a difference between the total resource amount of the virtual resource in the lock period and the total amount of the virtual resource to be paid, to obtain a return amount of the virtual resource, where the H is the virtual The total amount of resources of the resource during the lock period, the R is the actual amount of payment, and the a _n is the actual daily interest rate of the nth day of the lock period;

a resource transfer module, configured to: after the end of the lock period, extract the virtual resource of the total amount of the required payment from the obtained virtual resource of the total resource amount, and adopt a preset authentication The channel is transferred to the receiver, and the returned amount of the virtual resource is transferred to the sender.

A third aspect of the embodiments of the present application provides a terminal device, including a memory, a processor, and the computer storing computer readable instructions executable on the processor, where the processor executes the computer The following steps are implemented when reading the instruction:

A fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions, wherein the computer readable instructions are implemented by at least one processor The following steps:

Beneficial effect

Compared with the prior art, the embodiment of the present application has the beneficial effects of: calculating the daily interest rate of the prepaid virtual resource during the lock period, and extracting the total resource amount obtained after calculating the virtual resource daily interest rate after the lock period ends. The virtual resources of the total amount to be paid are transferred to the receiver, and the excess virtual resources of the return amount are transferred to the sender, so that even during the lock period, the virtual resources can be processed according to the corresponding daily interest rate. Therefore, the virtual resource flow during the lock period is reduced, and the waste of the virtual resources is reduced.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the embodiments or the prior art description will be briefly described below. Obviously, the drawings in the following description are only the present application. For some embodiments, other drawings may be obtained from those of ordinary skill in the art in light of the inventive workability.

1 is a schematic flowchart of an implementation process of a prepaid virtual resource processing method according to Embodiment 1 of the present application;

2 is a schematic flowchart of an implementation process of a prepaid virtual resource processing method according to Embodiment 2 of the present application;

3 is a schematic flowchart of an implementation process of a prepaid virtual resource processing method according to Embodiment 3 of the present application;

4 is a schematic flowchart of an implementation process of a prepaid virtual resource processing method according to Embodiment 4 of the present application;

5 is a schematic structural diagram of a pre-paid virtual resource processing apparatus according to Embodiment 5 of the present application;

FIG. 6 is a schematic diagram of a terminal device according to Embodiment 6 of the present application.

Embodiments of the invention

In the following description, for purposes of illustration and description However, it will be apparent to those skilled in the art that the present invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the application.

In order to explain the technical solutions described in the present application, the following description will be made by way of specific embodiments. In order to help the reader to fully understand the technical solution of the present application, the technical solution of the present application will be described in detail in the present specification by taking the purchase of the product in the collection period or the payment of the product deposit as an example: due to the purchase of the product during the recruitment period or the deposit of the product in the prior art. At the time of payment, the user directly pays the funds to the product merchant, and the product merchant locks the funds during the lock-up period, which results in high requirements for the user's prepaid funds and the inability to calculate the income, resulting in the loss of user funds. .

In order to enable the user's prepaid funds to be transferred during the lock period and improve the user's capital return rate, in the embodiment of the present application, a resource management layer is set up between the transaction parties, and a resource management layer is established between the resource management layer and the receiver of the virtual resource. A certification channel for virtual resource transfer operations, that is, setting a resource management layer between the user and the product merchant, such as a financial wallet application in cooperation with the product merchant, and establishing a fund between the resource management layer and the product merchant. The authentication channel of the operation, the resource management layer handles the funds transferred by the user and calculates the daily interest rate income, and after the lockout period is over, the funds obtained are transferred out to the product merchants as the recruitment period products to purchase or carry out the products. The payment of the deposit, so that the amount of funds that the user needs to pay in advance is reduced and can generate certain income during the lock-up period, and the profit rate of the user's capital cost is increased, as follows:

1 is a flowchart of an implementation of a method for processing a prepaid virtual resource according to Embodiment 1 of the present application, which is described in detail as follows: S101, calculating a virtual resource according to a formula P=F/(1+i)^n The first minimum payment amount corresponding to the start date, where P is the first minimum payment amount, F is the total amount of payment required for the virtual resource, i is the first estimated daily interest rate corresponding to the lock period, and n is the number of days of the lock period .

The first minimum payment amount corresponding to the virtual resource on the start date of the lock period refers to the minimum prepaid amount that the user should pay on the start date of the lock period. The total amount of virtual resources required to be paid refers to the amount of funds that the product merchant requires when the user purchases the product during the recruitment period or pays the product deposit, that is, the target prepaid amount that is ultimately required to be paid to the product merchant after the lockout period ends. The daily interest rate refers to the amount of interest that the resource management has transferred to the user for one day. Since the resource management calculates the daily interest rate for the user to transfer funds, the total amount of funds of the user during the lock-up period is increased daily, that is, the total principal and interest obtained by the user at the end of the lock-up period must be greater than The amount of funds transferred from the beginning of the day, so in theory, the user only needs to transfer funds less than the target prepaid amount on the starting date. In order to ensure that the principal and interest obtained at the end of the lockout period are greater than the required target prepaid amount, the daily interest rate of the lockout period is estimated in the embodiment of the present application to obtain a corresponding estimated daily interest rate, so as to calculate the minimum prepaid amount.

As an example, assume that the target prepaid amount F is 100,000, the lock period n is 90 days, and the estimated daily interest rate i is 0.02%. In this era, the minimum prepaid amount is P=100000/(1+0.02%). ) ^ 90 ≈ 98,000, so users only need to deposit at least 98,000 on the start date of the lock period to get the required 100,000 target prepaid amount after the lockout period ends.

As an embodiment of the present application, after obtaining the first minimum payment amount, the method further includes:

The first minimum payment amount is output to the sender. The user is informed of the minimum prepaid amount so that the user can determine the amount of funds that he ultimately actually prepaid based on the minimum prepaid amount.

S102. If the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount, obtain an actual daily interest rate corresponding to the lockout period.

S103. Calculate, according to formula (1), a total resource amount of the virtual resource during the lock period, and calculate a difference between the total resource amount of the virtual resource in the lock period and the total amount of the virtual resource to be paid, and obtain the return amount of the virtual resource. .

Formula (1) is as follows:

H=R×(1+a ₁ )×(1+a ₂ )×...×(1+a _n )(1)

Here, H is the total amount of resources virtual resources in the lock period, R is the actual payment amount, a _n lock-up period for the real interest rate on the date n days.

The actual amount of payment for a virtual resource is the amount of actual prepaid funds paid by the user on the start date of the lockout period. The total amount of resources of the virtual resource during the lock-in period refers to the total principal and interest amount obtained after calculating the daily interest rate of the day for the actual prepaid funds during the lock-up period. The amount of return of the virtual resource refers to the amount of funds that need to be returned to the user after the total principal and interest are deducted from the target prepaid amount. The total principal and interest amount finally obtained in the embodiment of the present application may be greater than the target prepaid amount, and the product The merchant only needs the funds with the target prepaid amount, so the excess part of the application will be transferred out to the user to bring the maximum capital benefit to the user.

It can be seen from the above description that when the actual amount of prepaid funds is equal to the minimum prepaid amount, the total principal and interest and the amount finally obtained in the lockout period will be equal to the target prepaid amount, so in order to guarantee the final principal and interest and the target prepaid amount, the present application In the embodiment, the amount of the actual prepaid virtual resource transferred by the user on the starting date is detected, and after determining that it is equal to the minimum prepaid amount, the daily interest rate is calculated according to the actual daily interest rate of the lock period, to obtain The total principal and interest generated during the lock-up period.

As an embodiment of the present application, when the amount of the actual prepaid funds is less than the minimum prepaid amount, the principal and interest obtained in the lockout period may be less than the target prepaid amount, and the requirement for the product purchase or deposit payment during the recruitment period cannot be met at this time. Therefore, the embodiment of the present application will issue a warning of insufficient funds to the user when the amount of the actual prepaid funds is less than the minimum prepaid amount, and simultaneously inform the user of the calculated minimum prepaid amount output.

S104: After the lockout period ends, extract the virtual resource of the total amount of the required payment from the obtained virtual resource of the total resource amount, and transfer the virtual resource to the receiver through the preset authentication channel, and transfer the returned virtual resource to sender.

Among them, the sender and the receiver are both virtual resource transactions. In the embodiment of the present application, the processing party is the product merchant, and the sender is the user. It can be seen from the above description that when the amount of actual prepaid funds transferred by the user is greater than the minimum prepaid amount, the total principal and interest obtained after the end of the lockout period must be equal to the target prepaid amount, so it is necessary to divide the target from the total principal and interest obtained. The prepaid amount of funds is transferred out to the product merchant through the certification channel, thereby realizing the payment of the purchase of the product during the collection period or the payment of the product. At the same time, for the extra funds, the embodiment of the present application will transfer it out to the user to increase the user's capital income.

By setting up a resource management layer between the two parties, the resource management layer performs the principal and interest calculation on the actual prepaid virtual resources deposited by the user during the lock-up period, and extracts the total principal and interest obtained from the obtained total interest and interest at the end of the lock-up period. The funds required for the target prepaid amount are transferred to the third-party product merchant account through the certification channel, so that the user can enjoy the interest income of the fund even during the lock-up period. At the same time, based on the known number of lockout days and the required target prepaid amount, plus the estimated estimated daily interest rate of the lockout period, the prepaid amount that the user must deposit at least in the case of calculating the daily interest rate during the lockout period is obtained. Therefore, the user can realize the transfer of the final target prepaid amount of funds as long as the actual prepaid amount transferred is greater than the minimum prepaid amount, thereby reducing the prepayment of the user transfer while increasing the profit rate of the capital cost for the user. The requirement of funds, thus achieving the circulation of virtual resources during the lock period, and reducing the waste of virtual resources.

As the second embodiment of the present application, as shown in FIG. 2, considering that the daily interest rate fluctuates with the change of the market in actual application, the fluctuation may be increased or decreased, so the lock may occur. The actual daily interest rate during the period is lower than the estimated daily interest rate. At this time, even if the user transfers funds equal to the minimum prepaid amount, the final total principal interest and the target prepaid amount may be present. Therefore, in order to ensure that the total principal and interest obtained by the user at the end of the lockout period is equal to the target prepaid amount, the embodiment of the present application sets a preset date for correcting processing during the lockout period, and obtains the preset date during the lockout period. The actual principal and interest are compared with the theoretical principal and interest calculated according to the estimated daily interest rate, and it is judged whether the actual daily interest rate is too small and corrected in time, as detailed below:

S201: If the current date corresponds to the preset date in the lock period, calculate the number of days from the start date to the current date, and the actual resource amount corresponding to the actual virtual amount of the virtual resource after the start date to the current date.

The actual resource amount corresponding to the actual payment amount of the virtual resource is increased from the start date of the lock period to the date of the preset date, and the actual prepaid fund is used as the principal, and the actual daily interest rate is used. The actual principal and interest generated by the interest calculation. For example, suppose that from the start date of the lock-up period to the default date of 15 days, the actual prepaid funds are 98,000, and the daily corresponding daily interest rates are 0.02%, 0.018%, 0.018%, 0.016%, 0.019%, respectively. , 0.016%, 0.016%, 0.015%, 0.015%, 0.014%, 0.013%, 0.013%, 0.012%, 0.012%, and 0.011%, the actual principal and interest obtained at this time and F = 98000 × (1 + 0.02%) × ( 1+0.018%)×(1+0.018%)×(1+0.016%)×(1+0.019%)×(1+0.016%)×(1+0.016%)×(1+0.015%)×(1 +0.015%) × (1 + 0.014%) × (1 + 0.013%) × (1 + 0.013%) × (1 + 0.012%) × (1 + 0.012%) × (1 + 0.011%) = 98237.

S202: Calculate the theoretical resource amount corresponding to the current date according to the number of days from the start date to the current date, the first estimated daily interest rate, and the actual payment amount, and determine whether the theoretical resource amount is greater than the actual resource amount.

The theoretical resource amount corresponding to the current date refers to the actual prepaid fund as the principal amount from the start date of the lock period to the date of the preset date, and the interest calculation is performed at the estimated daily interest rate in the first embodiment of the present application. The resulting theoretical principal and interest. In order to determine whether the actual daily interest rate before the preset date is lower than the estimated daily interest rate in the first embodiment of the present application, the embodiment of the present application needs to obtain the actual principal and interest of the preset date, and further, according to the first embodiment of the present application. Estimated daily interest rate to calculate the theoretical principal and interest that should be obtained from the start date of the lock-up period to the date of the preset date. If the above example continues, the estimated daily interest rate is 0.02%, which is 15 days from the start date of the lock-up period to the default date. The actual prepaid fund is 98,000. The theoretical principal and interest and F=98000×(1+0.02%)^15=98294>98237, which can be seen that the actual principal and interest are less than the theoretical principal and interest calculated according to the estimated daily interest rate in the first embodiment of the present application. The actual daily interest rate before the current preset date is lower than the estimated daily interest rate in the first embodiment of the present application.

Since the estimated daily interest rate in the first embodiment of the present application belongs to a known parameter, by performing the actual daily interest rate based on the known estimated daily interest rate, the processing speed of the judgment can be improved, and the resource management can be reduced. Layer of work load.

S203. If the theoretical resource quantity is greater than the actual resource quantity, calculate the number of days from the current date to the end date of the lock period, and the second estimated daily interest rate corresponding to the current date to the end date of the lock period, and based on the current date to the end date of the lock period. The number of days, the second estimated daily interest rate, and the total amount of virtual resources to be paid, and the second minimum payment amount corresponding to the current date is calculated.

S204. Calculate a difference between the second minimum payment amount and the actual resource amount, and add the virtual resource of the difference quantity from the sender to the virtual resource of the actual payment amount.

When it is determined that the actual daily interest rate before the current preset date is lower than the estimated daily interest rate of the first embodiment of the present application, it indicates that the principal and interest are still used as the principal according to the actual prepaid funds originally transferred on the starting date of the lock-up period. In the calculation, the total principal and interest obtained after the lockout period is over and it is very likely that the target prepayment amount cannot be met. Therefore, in order to ensure that the total principal and interest obtained after the lock-up period is over and the target-to-target advance amount, it is necessary to replenish the funds in the actual advance payment in time when the situation is discovered.

In order to achieve accurate and timely supplementation of the actual prepaid funds, in the embodiment of the present application, the number of days from the current preset date to the end date is calculated, and the daily interest rate of the period is re-estimated to obtain the second estimated daily interest rate, and based on The number of days, the second estimated daily interest rate, and the set target prepaid amount, recalculating the second minimum prepaid amount corresponding to the current preset date, and then based on the actual current interest rate of the current preset date and the corresponding second minimum prepaid amount. The amount is used to allocate supplementary prepaid funds from the user's fund account to supplement the actual prepaid funds.

The description continues with the above example. Assume that the target prepaid amount is 100,000 and the lockout period is 90 days. From the start date of the lock period to the current preset date, the total number of days is 15 days. The current preset date to the end date of the lockout period is For 75 days, the actual principal and interest are calculated from the above and F=98237. At this time, the estimated daily interest rate corresponding to the current preset date to the 75-day end date of the lockout period is calculated, and the calculated estimated daily interest rate is assumed to be 0.015%. At this time, the second minimum prepaid amount P=100000/( 1+0.015%)^75=98881, at this time, the difference between the second minimum prepaid amount and the actual principal and interest =98881-98237=644, so it is necessary to divide 644 from the user's fund account to the actual prepaid fund to Guarantee the total principal and interest after the lockout period is equal to the target prepaid amount.

As another specific implementation manner of correcting the actual daily interest rate, since the preset date number in the second embodiment of the present application may be one or more, when there are multiple preset dates, If the actual daily interest rate is too small in the preset date before the current preset date, the method according to the second embodiment of the present application recalculates the estimated daily interest rate to obtain a new estimated daily interest rate. The estimated daily interest rate in the first example has lost the reference value. Therefore, if the method of the second embodiment of the present application is still used for correcting the processing, the judgment of the actual daily interest rate may be too small, so that in order to ensure that the preset is too large, In the case of the date, the actual daily interest rate is too small to be accurately judged and corrected. As shown in FIG. 3, the third embodiment of the present application includes:

S301. If the current date corresponds to the preset date during the lock period, calculate the number of days from the start date to the current date, and the actual resource amount corresponding to the virtual resource growth of the actual payment amount from the start date to the current date.

S302. Calculate a number of days from the current date to the end date of the lockout period, and a second estimated daily interest rate corresponding to the current date to the end date of the lockout period, and based on the current date to the end date of the lockout period, the second estimated daily interest rate, and The total amount of virtual resources to be paid, and the second minimum payment amount corresponding to the current date is calculated.

S303. If it is determined that the difference between the second minimum payment amount and the actual resource amount is greater than zero, the virtual resource that obtains the difference amount from the sender is added to the virtual resource of the actual payment amount.

For the details of the actual principal and interest calculation and the calculation of the second minimum prepaid amount, and the like, the same as the second embodiment of the present application, please refer to the related description of the second embodiment of the present application, which is not described herein. The following is different from the second embodiment of the present application. The description is different from the second embodiment of the present application. In the embodiment of the present application, it is not necessary to determine whether the actual daily interest rate is too small based on the estimated daily interest rate obtained before the current preset date. A method of directly calculating the minimum prepaid amount corresponding to the current preset date by using the current preset date to the end date of the lock period as a new "lock period", and comparing the actual principal and interest of the current preset date with the difference, if If the minimum prepaid amount corresponding to the current preset date is greater than the actual principal and interest, the actual principal and interest of the current preset date will not reach the actual demand. Therefore, the user needs to supplement the actual prepaid funds to ensure that the desired target prepayment is finally obtained. Amount.

It should be understood that the above-mentioned "when there are a plurality of preset dates, if the actual daily interest rate is too small in the preset date before the current preset date", it is only applicable to the third embodiment of the present application. For example, the application scenario, rather than the scope of its protection, can also be directly used as a correction method for all preset dates.

It should be noted that, in the second embodiment of the present application and the third embodiment of the present application, the number of preset dates and the setting rules of the specific date may be set by the technician according to requirements, for example, the number may be set only one or multiple. Specific date settings include, but are not limited to, set at regular intervals, such as setting a preset date every 15 days after the start date. Among them, the effect of correction is positively correlated with the preset number of preset dates, and negatively correlated with the preset date interval length.

As the fourth embodiment of the present application, as shown in FIG. 4, before calculating the first minimum payment amount, the method further includes:

S401: Obtain a historical daily interest rate within a preset time period before the start date.

S402. Obtain a daily interest rate based on a trend analysis result of the acquired historical daily interest rate.

S403, adjusting the measured daily interest rate according to a preset conversion coefficient to obtain a first estimated daily interest rate.

Considering that the fluctuation of the daily interest rate may be biased lower in the actual situation, it is highly probable that the actual daily interest rate mentioned in the above embodiment is too small, which may result in the final total principal interest and the target prepaid amount. In order to ensure that the total principal and interest amount finally obtained and the target prepaid amount are equal to the required amount, the estimated daily interest rate finally obtained in the embodiment of the present application cannot be excessively large. Therefore, the embodiment of the present application will calculate the estimated daily interest rate. The estimated daily interest rate obtained from the historical daily interest rate processing is converted to ensure the validity of the estimated daily interest rate. The specific value of the daily interest rate conversion coefficient can be set by the technician according to the actual situation, and preferably can be set to 0.8. For example, if the daily interest rate estimate calculated based on the historical daily interest rate is 0.02% and the daily interest rate estimate is 0.8, the estimated daily interest rate is 0.02% × 0.8 = 0.016%. The method for analyzing the historical daily interest rate trend is not limited in the embodiment of the present application, and may be set by a technician according to requirements, including but not limited to, directly averaging the historical daily interest rate or curve the historical daily interest rate. The curve corresponding to the estimated daily interest rate is obtained, and then the required daily interest rate estimation data is obtained based on the curve (for example, the smallest value in the curve is used as the daily interest rate estimation data). The specific value of the preset time period of the obtained historical daily interest rate can also be set by the technician according to the demand, for example, it can be set to one month or three months.

As a further embodiment of the present application, when the second embodiment of the present application and the third embodiment of the present application perform the calculation of the estimated daily interest rate, the method in the fourth embodiment of the present application may be used for calculation or a method. The calculation can be selected by the technician.

Corresponding to the method of the above embodiment, FIG. 5 is a structural block diagram of a processing device of a prepaid virtual resource provided by an embodiment of the present application. For the convenience of description, only parts related to the embodiment of the present application are shown. The processing device of the prepaid virtual resource illustrated in FIG. 5 may be the execution body of the processing method of the prepaid virtual resource provided in the foregoing first embodiment.

Referring to FIG. 5, the processing device of the prepaid virtual resource includes:

The first minimum payment amount calculation module 51 is configured to calculate, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, where the P is the a minimum amount of payment, the F is a total amount of money to be paid by the virtual resource, the i is a first estimated daily interest rate corresponding to the lock period, and n is a number of days of the lock period.

The actual daily interest rate obtaining module 52 is configured to obtain an actual daily interest rate corresponding to the lock period if the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount.

The resource amount calculation module 53 is configured to calculate the total resource of the virtual resource in the lock period according to the formula H=R×(1+a ₁ )×(1+a ₂ )×...×(1+a _n ) And calculating a difference between the total resource amount of the virtual resource in the lock period and the total amount of the virtual resource to be paid, to obtain a return amount of the virtual resource, where the H is the the total amount of resources virtual resources in the lock period, the R is the amount actually paid, the lock a _n is the actual date of the first interest rate n days.

The resource transfer module 54 is configured to: after the end of the lock period, extract the virtual resource of the total amount of the required payment from the obtained virtual resource of the total resource amount, and adopt a preset The authentication channel is transferred to the receiver, and the returned virtual resource is transferred to the sender.

Further, the processing device of the prepaid virtual resource further includes:

The actual resource amount calculation module is configured to calculate, when the current date corresponds to the preset date, the number of days from the start date to the current date, and the start date to the current date period The actual amount of resources corresponding to the virtual resource growth of the actual payment amount.

a theoretical resource quantity calculation module, configured to calculate a theoretical resource quantity corresponding to the current date according to the number of days from the start date to the current date, the first estimated daily interest rate, and the actual payment amount, and Determining whether the theoretical resource amount is greater than the actual resource amount.

a second minimum payment amount calculation module, configured to calculate a number of days from the current date to the end date of the lock period, and the current date to the end date of the lock period, if the theoretical resource amount is greater than the actual resource amount a second estimated daily interest rate corresponding to the period, and calculating the current based on the number of days from the current date to the end date of the lockout period, the second estimated daily interest rate, and the total amount of money required to be paid by the virtual resource The second minimum payment amount corresponding to the date.

a resource supplementing module, configured to calculate a difference amount between the second minimum payment amount and the actual resource amount, and acquire the virtual resource that is obtained by the sender from the sender to the actual payment amount In the virtual resource.

a second minimum payment amount calculation module, configured to calculate a number of days from the current date to the end of the lock period, and a second estimated daily interest rate corresponding to the current date to the end of the lock period, and based on Calculating the number of days from the current date to the end date of the lockout period, the second estimated daily interest rate, and the total amount of money required to be paid by the virtual resource, and calculating a second minimum payout amount corresponding to the current date.

a resource supplementing module, configured to: if it is determined that the difference between the second minimum payment amount and the actual resource amount is greater than zero, the virtual resource that obtains the difference amount from the sender is added to the actual The amount of payment in the virtual resource.

And an information output module, configured to output the first minimum payment amount to the sender.

The historical daily interest rate obtaining module is configured to obtain a historical daily interest rate within a preset time period before the starting date.

The daily interest rate analysis calculation module is configured to obtain the estimated daily interest rate based on the trend analysis result of the obtained historical daily interest rate.

The daily interest rate conversion module is configured to adjust the estimated daily interest rate according to a preset conversion coefficient to obtain the first estimated daily interest rate.

For the process of implementing the functions of the modules in the processing device of the prepaid virtual resource provided by the embodiment of the present application, refer to the description of the first embodiment shown in FIG. 1 , and details are not described herein again.

It should be understood that the size of the sequence of the steps in the above embodiments does not mean that the order of execution is performed. The order of execution of each process should be determined by its function and internal logic, and should not be construed as limiting the implementation process of the embodiments of the present application. It should also be understood that although the terms "first", "second", and the like are used in the text to describe various elements in the embodiments of the present application, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, the first contact can be named a second contact, and similarly, the second contact can be named the first contact without departing from the scope of the various described embodiments. Both the first contact and the second contact are contacts, but they are not the same contact.

FIG. 6 is a schematic diagram of a terminal device according to an embodiment of the present application. As shown in FIG. 6, the terminal device 6 of this embodiment includes a processor 60, a memory 61 in which computer readable instructions 62 executable on the processor 60 are stored. The processor 60 executes the computer readable instructions 62 to implement the steps in the foregoing method for processing each of the prepaid virtual resources, such as steps 101 to 104 shown in FIG. Alternatively, the processor 60, when executing the computer readable instructions 62, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the modules 51-54 shown in FIG. The terminal device 6 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server. The terminal device may include, but is not limited to, a processor 60 and a memory 61. It will be understood by those skilled in the art that FIG. 6 is only an example of the terminal device 6, and does not constitute a limitation of the terminal device 6, and may include more or less components than those illustrated, or combine some components or different components. For example, the terminal device may further include an input transmitting device, a network access device, a bus, and the like.

The so-called processor 60 can be a central processing unit (Central Processing Unit, CPU), can also be other general purpose processors, digital signal processors (DSP), application specific integrated circuits (Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like. The memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6. The memory 61 may also be an external storage device of the terminal device 6, for example, a plug-in hard disk equipped on the terminal device 6, and a smart memory card (Smart Media Card, SMC), Secure Digital (Secure Digital, SD) card, flash card (Flash Card) and so on. Further, the memory 61 may also include both an internal storage unit of the terminal device 6 and an external storage device. The memory 61 is configured to store the computer readable instructions and other programs and data required by the terminal device. The memory 61 can also be used to temporarily store data that has been sent or is about to be transmitted.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, the present application implements all or part of the processes in the foregoing embodiments, and may also be implemented by computer readable instructions, which may be stored in a computer readable storage medium. The computer readable instructions, when executed by a processor, may implement the steps of the various method embodiments described above. Wherein, the computer readable instructions comprise computer readable instruction code, which may be in the form of source code, an object code form, an executable file or some intermediate form or the like. The computer readable medium may include any entity or device capable of carrying the computer readable instruction code, a recording medium, a USB flash drive, a removable hard disk, a magnetic disk, an optical disk, a computer memory, a read only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), electrical carrier signals, telecommunications signals, and software distribution media. It should be noted that the content contained in the computer readable medium may be appropriately increased or decreased according to the requirements of legislation and patent practice in a jurisdiction, for example, in some jurisdictions, according to legislation and patent practice, computer readable media Does not include electrical carrier signals and telecommunication signals.

The above-mentioned embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still implement the foregoing embodiments. The technical solutions described in the examples are modified or equivalently replaced with some of the technical features; and the modifications or substitutions do not deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in Within the scope of protection of this application.

Claims

A method for processing a prepaid virtual resource, comprising:

Calculating, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, wherein the P is the first minimum payment amount, and the F is the The total amount of the virtual resource to be paid, the i is the first estimated daily interest rate corresponding to the lock period, and the n is the number of days of the lock period;

If the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount, obtaining an actual daily interest rate corresponding to the lock period;

Calculating a total resource amount of the virtual resource in the lock period according to a formula H=R×(1+a 1 )×(1+a 2 )×...×(1+a n ), and calculating the virtual resource The difference between the total amount of resources in the lock period and the total amount of money to be paid by the virtual resource, where the return amount of the virtual resource is obtained, where the H is the virtual resource in the lock period the total amount of resources, the R is the actual amount of the payment date of the actual interest a n of n-th day to the lock;

After the lock period is completed, the virtual resource of the total amount of the required payment is extracted from the obtained virtual resource of the total resource amount, and is transferred to the receiver through a preset authentication channel. Transferring the virtual resource of the return amount to the sender.
The processing method according to claim 1, further comprising:

If the current date corresponds to the preset date during the lock period, calculating the number of days from the start date to the current date, and the virtual amount of the actual payout amount from the start date to the current date The actual amount of resources corresponding to the growth of resources;

Calculating a theoretical resource amount corresponding to the current date according to the number of days from the start date to the current date, the first estimated daily interest rate, and the actual payment amount, and determining whether the theoretical resource amount is greater than The actual amount of resources;

If the theoretical resource amount is greater than the actual resource amount, calculating a number of days from the current date to the end of the lock period, and a second estimated daily interest rate corresponding to the period from the current date to the end of the lock period, And calculating, according to the number of days from the current date to the end of the lock period, the second estimated daily interest rate, and the total amount of money required to be paid by the virtual resource, a second minimum payment amount corresponding to the current date;

Calculating a difference amount between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference amount from the sender to be added to the virtual resource of the actual payment amount.
The processing method according to claim 1, further comprising:

If the current date corresponds to the preset date during the lock period, calculating the number of days from the start date to the current date, and the virtual amount of the actual payout amount from the start date to the current date The actual amount of resources corresponding to the growth of resources;

Calculating a number of days from the current date to the end of the lockout period, and a second estimated daily interest rate corresponding to the current date to the end of the lockout period, and based on the current date to the end of the lockout period Calculating a second minimum payment amount corresponding to the current date, the number of days, the second estimated daily interest rate, and the total amount of the virtual resource to be paid;

If it is determined that the difference between the second minimum payment amount and the actual resource amount is greater than zero, the virtual resource that acquires the difference amount from the sender is added to the virtual virtual quantity In the resource.
The processing method according to claim 2 or 3, further comprising: after the calculating the virtual resource at the first minimum payment amount of the start date of the corresponding lock period, further comprising:

The first minimum payment amount is output to the sender.
The method for processing a prepaid virtual resource according to claim 2 or 3, wherein before the calculating the virtual resource is the first minimum amount of payment on the start date of the corresponding lock period, the method comprises:

Obtaining a historical daily interest rate within a preset time period before the start date;

Calculating the daily interest rate based on the trend analysis result of the obtained historical daily interest rate;

The measured daily interest rate is adjusted according to a preset conversion coefficient to obtain the first estimated daily interest rate.
A processing device for a prepaid virtual resource, comprising:

a first minimum payment amount calculation module, configured to calculate, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, where the P is the first a minimum amount of payment, the F is a total amount of money to be paid by the virtual resource, the i is a first estimated daily interest rate corresponding to the lock period, and n is a number of days of the lock period;

An actual daily interest rate obtaining module, configured to acquire an actual daily interest rate corresponding to the lockout period if an actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount;

a resource quantity calculation module, configured to calculate a total resource amount of the virtual resource in the lock period according to a formula H=R×(1+a 1 )×(1+a 2 )×...×(1+a n ) And calculating a difference between the total resource amount of the virtual resource in the lock period and the total amount of the virtual resource to be paid, to obtain a return amount of the virtual resource, where the H is the virtual The total amount of resources of the resource during the lock period, the R is the actual amount of payment, and the a n is the actual daily interest rate of the nth day of the lock period;

a resource transfer module, configured to: after the end of the lock period, extract the virtual resource of the total amount of the required payment from the obtained virtual resource of the total resource amount, and adopt a preset authentication The channel is transferred to the receiver, and the returned amount of the virtual resource is transferred to the sender.
The apparatus for processing a prepaid virtual resource according to claim 6, further comprising:

The actual resource amount calculation module is configured to calculate, when the current date corresponds to the preset date, the number of days from the start date to the current date, and the start date to the current date period Describe the actual amount of resources corresponding to the actual amount of the virtual resource after the growth;

a theoretical resource quantity calculation module, configured to calculate a theoretical resource quantity corresponding to the current date according to the number of days from the start date to the current date, the first estimated daily interest rate, and the actual payment amount, and Determining whether the theoretical resource amount is greater than the actual resource amount;

a second minimum payment amount calculation module, configured to calculate a number of days from the current date to the end date of the lock period, and the current date to the end date of the lock period, if the theoretical resource amount is greater than the actual resource amount a second estimated daily interest rate corresponding to the period, and calculating the current based on the number of days from the current date to the end date of the lockout period, the second estimated daily interest rate, and the total amount of money required to be paid by the virtual resource The second minimum payment amount corresponding to the date;

a resource supplementing module, configured to calculate a difference amount between the second minimum payment amount and the actual resource amount, and acquire the virtual resource that is obtained by the sender from the sender to the actual payment amount In the virtual resource.
The apparatus for processing a prepaid virtual resource according to claim 6, further comprising:

The actual resource amount calculation module is configured to calculate, when the current date corresponds to the preset date, the number of days from the start date to the current date, and the start date to the current date period Describe the actual amount of resources corresponding to the actual amount of the virtual resource after the growth;

a second minimum payment amount calculation module, configured to calculate a number of days from the current date to the end of the lock period, and a second estimated daily interest rate corresponding to the current date to the end of the lock period, and based on Calculating a number of days from the current date to the end date of the lockout period, the second estimated daily interest rate, and the total amount of the virtual resource required to be paid, and calculating a second minimum payment amount corresponding to the current date;

a resource supplementing module, configured to: if it is determined that the difference between the second minimum payment amount and the actual resource amount is greater than zero, the virtual resource that obtains the difference amount from the sender is added to the actual The amount of payment in the virtual resource.
The apparatus for processing a prepaid virtual resource according to claim 7 or 8, further comprising:

And an information output module, configured to output the first minimum payment amount to the sender.
The apparatus for processing a prepaid virtual resource according to claim 7 or 8, further comprising:

The historical daily interest rate obtaining module is configured to obtain a historical daily interest rate within a preset time period before the starting date.

The daily interest rate analysis calculation module is configured to obtain the estimated daily interest rate based on the trend analysis result of the obtained historical daily interest rate.

The daily interest rate conversion module is configured to adjust the estimated daily interest rate according to a preset conversion coefficient to obtain the first estimated daily interest rate.
A terminal device, comprising: a memory, a processor, on the memory, computer readable instructions executable on the processor, the processor executing the computer readable instructions The following steps are implemented:

Calculating, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, wherein the P is the first minimum payment amount, and the F is the The total amount of the virtual resource to be paid, the i is the first estimated daily interest rate corresponding to the lock period, and the n is the number of days of the lock period;

If the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount, obtaining an actual daily interest rate corresponding to the lock period;

Calculating a total resource amount of the virtual resource in the lock period according to a formula H=R×(1+a 1 )×(1+a 2 )×...×(1+a n ), and calculating the virtual resource The difference between the total amount of resources in the lock period and the total amount of money to be paid by the virtual resource, where the return amount of the virtual resource is obtained, where the H is the virtual resource in the lock period the total amount of resources, the R is the actual amount of the payment date of the actual interest a n of n-th day to the lock;

After the lock period is completed, the virtual resource of the total amount of the required payment is extracted from the obtained virtual resource of the total resource amount, and is transferred to the receiver through a preset authentication channel. Transferring the virtual resource of the return amount to the sender.
The terminal device according to claim 11, wherein said processor further implements the following steps when said computer readable instructions are executed:

If the current date corresponds to the preset date during the lock period, calculating the number of days from the start date to the current date, and the virtual amount of the actual payout amount from the start date to the current date The actual amount of resources corresponding to the growth of resources;

Calculating a theoretical resource amount corresponding to the current date according to the number of days from the start date to the current date, the first estimated daily interest rate, and the actual payment amount, and determining whether the theoretical resource amount is greater than The actual amount of resources;

If the theoretical resource amount is greater than the actual resource amount, calculating a number of days from the current date to the end of the lock period, and a second estimated daily interest rate corresponding to the period from the current date to the end of the lock period, And calculating, according to the number of days from the current date to the end of the lock period, the second estimated daily interest rate, and the total amount of money required to be paid by the virtual resource, a second minimum payment amount corresponding to the current date;

Calculating a difference amount between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference amount from the sender to be added to the virtual resource of the actual payment amount.
The terminal device according to claim 11, wherein said processor further implements the following steps when said computer readable instructions are executed:

If the current date corresponds to the preset date during the lock period, calculating the number of days from the start date to the current date, and the virtual amount of the actual payout amount from the start date to the current date The actual amount of resources corresponding to the growth of resources;

Calculating a number of days from the current date to the end of the lockout period, and a second estimated daily interest rate corresponding to the current date to the end of the lockout period, and based on the current date to the end of the lockout period Calculating a second minimum payment amount corresponding to the current date, the number of days, the second estimated daily interest rate, and the total amount of the virtual resource to be paid;

If it is determined that the difference between the second minimum payment amount and the actual resource amount is greater than zero, the virtual resource that acquires the difference amount from the sender is added to the virtual virtual quantity In the resource.
The terminal device according to claim 12 or 13, wherein after the calculating the virtual resource on the first minimum payment amount of the corresponding lock period start date, the method further comprises:

The first minimum payment amount is output to the sender.
The terminal device according to claim 12 or 13, wherein before the calculating the virtual resource is the first minimum payment amount on the start date of the corresponding lock period, the method comprises:

Obtaining a historical daily interest rate within a preset time period before the start date;

Calculating the daily interest rate based on the trend analysis result of the obtained historical daily interest rate;

The measured daily interest rate is adjusted according to a preset conversion coefficient to obtain the first estimated daily interest rate.
A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by at least one processor, implement the following steps:

Calculating, according to the formula P=F/(1+i)^n, a first minimum payment amount corresponding to the virtual resource on the start date of the lock period, wherein the P is the first minimum payment amount, and the F is the The total amount of the virtual resource to be paid, the i is the first estimated daily interest rate corresponding to the lock period, and the n is the number of days of the lock period;

If the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount, obtaining an actual daily interest rate corresponding to the lock period;

Calculating a total resource amount of the virtual resource in the lock period according to a formula H=R×(1+a 1 )×(1+a 2 )×...×(1+a n ), and calculating the virtual resource The difference between the total amount of resources in the lock period and the total amount of money to be paid by the virtual resource, where the return amount of the virtual resource is obtained, where the H is the virtual resource in the lock period the total amount of resources, the R is the actual amount of the payment date of the actual interest a n of n-th day to the lock;

After the lock period is completed, the virtual resource of the total amount of the required payment is extracted from the obtained virtual resource of the total resource amount, and is transferred to the receiver through a preset authentication channel. Transferring the virtual resource of the return amount to the sender.
The computer readable storage medium of claim 16, further comprising:

If the current date corresponds to the preset date during the lock period, calculating the number of days from the start date to the current date, and the virtual amount of the actual payout amount from the start date to the current date The actual amount of resources corresponding to the growth of resources;

Calculating a theoretical resource amount corresponding to the current date according to the number of days from the start date to the current date, the first estimated daily interest rate, and the actual payment amount, and determining whether the theoretical resource amount is greater than The actual amount of resources;

If the theoretical resource amount is greater than the actual resource amount, calculating a number of days from the current date to the end of the lock period, and a second estimated daily interest rate corresponding to the period from the current date to the end of the lock period, And calculating, according to the number of days from the current date to the end of the lock period, the second estimated daily interest rate, and the total amount of money required to be paid by the virtual resource, a second minimum payment amount corresponding to the current date;

Calculating a difference amount between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference amount from the sender to be added to the virtual resource of the actual payment amount.
The computer readable storage medium of claim 16, further comprising:

If the current date corresponds to the preset date during the lock period, calculating the number of days from the start date to the current date, and the virtual amount of the actual payout amount from the start date to the current date The actual amount of resources corresponding to the growth of resources;

Calculating a number of days from the current date to the end of the lockout period, and a second estimated daily interest rate corresponding to the current date to the end of the lockout period, and based on the current date to the end of the lockout period Calculating a second minimum payment amount corresponding to the current date, the number of days, the second estimated daily interest rate, and the total amount of the virtual resource to be paid;

If it is determined that the difference between the second minimum payment amount and the actual resource amount is greater than zero, the virtual resource that acquires the difference amount from the sender is added to the virtual virtual quantity In the resource.
The computer readable storage medium according to claim 16 or claim 18, further comprising: after the calculating the virtual resource at the first minimum payment amount of the corresponding lock period start date, further comprising:

The first minimum payment amount is output to the sender.
The computer readable storage medium according to claim 17 or 18, wherein before the calculating the virtual resource is at the first minimum payment amount of the corresponding lock period start date, the method comprises:

Obtaining a historical daily interest rate within a preset time period before the start date;

Calculating the daily interest rate based on the trend analysis result of the obtained historical daily interest rate;

The measured daily interest rate is adjusted according to a preset conversion coefficient to obtain the first estimated daily interest rate.