CN108734461B - Processing method of prepaid virtual resource and terminal equipment - Google Patents
Processing method of prepaid virtual resource and terminal equipment Download PDFInfo
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Abstract
The invention provides a processing method of prepaid virtual resources and terminal equipment, which are applicable to the technical field of information security, and the method comprises the following steps: calculating a first minimum payment amount corresponding to the initial day of the locking period of the virtual resource; acquiring an actual daily interest rate corresponding to a locking period; calculating the total resource amount of the virtual resources in the locking period, and calculating the difference value between the total resource amount of the virtual resources in the locking period and the total amount of the virtual resources required to be paid, so as to obtain the return amount of the virtual resources; and after the locking period is ended, extracting the virtual resources of the total amount required to be paid from the obtained virtual resources of the total resource amount, transferring the virtual resources to a receiving party through a preset authentication channel, and transferring the virtual resources of the returned amount to a sending party. The virtual resources can also obtain corresponding daily interest rate calculation processing in the locking period, so that the circulation of the virtual resources in the locking period is realized.
Description
Technical Field
The invention belongs to the technical field of data processing, and particularly relates to a processing method of prepaid virtual resources and terminal equipment.
Background
Common pre-paid virtual resources include a subscription paid online when a pre-sold product is purchased, or a payment paid online when a recruitment period product is purchased. The prepaid virtual resource is characterized in that the prepaid virtual resource is in a locked state before the purchased service is effective or before the product is delivered, and both transaction parties cannot perform any operation on the locked virtual resource, so that the virtual resource cannot be circulated in the period of time, and the waste of the virtual resource is caused.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method for processing prepaid virtual resources and a terminal device, so as to solve the problem in the prior art that virtual resources cannot be circulated in a lock period, which results in waste of the virtual resources.
The first aspect of the embodiment of the present invention provides a method for processing prepaid virtual resources, which includes:
according to the formula
Calculating a first minimum payment amount corresponding to the initial day of the virtual resource in the locking period, wherein P is the first minimum payment amount, F is the total amount of the virtual resource required to be paid, i is a first estimated daily interest rate corresponding to the locking period, and n is the number of days in the locking period;
if the actual payment amount of the virtual resource is larger than or equal to the first minimum payment amount, acquiring the actual daily interest rate corresponding to the locking period;
according to the formula H = R x (1+a) 1 )×(1+a 2 )×…×(1+a n ) Calculating the total resource amount of the virtual resource in the locking period, and calculating the difference between the total resource amount of the virtual resource in the locking period and the total amount of the virtual resource required to be paid to obtain the return amount of the virtual resource, wherein H is the total resource amount of the virtual resource in the locking period, R is the actual payment amount, and a is n The actual daily interest rate of the nth day of the locking period;
and after the locking period is ended, extracting the virtual resources of the total amount required to be paid from the obtained virtual resources of the total resource amount, transferring the virtual resources to a receiving party through a preset authentication channel, and transferring the virtual resources of the returned amount to a sending party.
A second aspect of the embodiments of the present invention provides a terminal device for processing prepaid virtual resources, which includes a memory, and a processor, where the memory stores a computer program executable on the processor, and the processor implements the following steps when executing the computer program.
According to the formula
Calculating a first minimum payment amount corresponding to the initial day of the virtual resource in the locking period, wherein P is the first minimum payment amount, F is the total amount of the virtual resource required to be paid, i is a first estimated daily interest rate corresponding to the locking period, and n is the number of days in the locking period;
if the actual payment amount of the virtual resource is larger than or equal to the first minimum payment amount, acquiring the actual daily interest rate corresponding to the locking period;
according to the formula H = R x (1+a) 1 )×(1+a 2 )×…×(1+a n ) Calculating the total resource amount of the virtual resource in the locking period, and calculating the total resource amount of the virtual resource in the locking period and the payment required by the virtual resourceObtaining the amount of the virtual resource returned by the difference of the total amount, wherein H is the total resource amount of the virtual resource in the locking period, R is the actual payment amount, and a n The actual daily interest rate of the nth day of the locking period;
and after the locking period is finished, extracting the virtual resources of the total amount required to be paid from the obtained virtual resources of the total resource amount, transferring the virtual resources to a receiving party through a preset authentication channel, and transferring the virtual resources of the returned amount to a sending party.
A third aspect of an embodiment of the present invention provides a computer-readable storage medium, including: stored is a computer program characterized in that it implements the steps of the method for processing prepaid virtual resources as described above when executed by a processor.
Compared with the prior art, the embodiment of the invention has the following beneficial effects: the daily interest rate of the pre-paid virtual resources is calculated in the locking period, the virtual resources with the total amount required to be paid are extracted from the total resource amount obtained after the daily interest rate of the virtual resources is calculated after the locking period is ended, the virtual resources are transferred to the receiving party, and the excess returned virtual resources are transferred to the sending party, so that the virtual resources can obtain corresponding daily interest rate calculation processing even in the locking period, the virtual resources are circulated in the locking period, and waste of the virtual resources is reduced.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a schematic flow chart of an implementation of a processing method for prepaid virtual resources according to an embodiment of the present invention;
fig. 2 is a schematic flow chart of an implementation of a processing method for prepaid virtual resources according to a second embodiment of the present invention;
fig. 3 is a schematic flow chart of an implementation of a processing method for prepaid virtual resources according to a third embodiment of the present invention;
fig. 4 is a schematic flow chart of an implementation of a processing method for prepaid virtual resources according to a fourth embodiment of the present invention;
fig. 5 is a schematic structural diagram of a processing apparatus for prepaid virtual resources according to a fifth embodiment of the present invention;
fig. 6 is a schematic diagram of a terminal device for processing prepaid virtual resources according to a sixth embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from 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 present invention with unnecessary detail.
In order to illustrate the technical means of the present invention, the following description is given by way of specific examples.
In order to help readers to fully understand the technical scheme of the invention, the technical scheme of the invention will be described in detail in the specification by taking purchase of products in a recruitment period or payment of product subscription as an example: in the prior art, when product purchase is carried out in a collection period or product deposit payment is carried out, a user directly pays funds to a product merchant, and the product merchant locks the funds in a locking period, so that the requirement on the user prepayment funds is high, income calculation cannot be carried out, and the user funds are damaged and wasted.
In order to circulate the prepaid funds of the user in the locking period and improve the income rate of the user funds, in the embodiment of the invention, a resource management layer is arranged between two transaction parties, an authentication channel for performing virtual resource transfer operation is established between the resource management layer and a virtual resource receiver, namely, a resource management layer is arranged between the user and a product merchant, such as a financial wallet application cooperating with the product merchant, and an authentication channel for performing fund operation is established between the resource management layer and the product merchant, the resource management layer processes the funds transferred by the user and performs daily interest rate income calculation, and the obtained funds are transferred to the product merchant through the authentication channel after the locking period is ended to be purchased as products in the locking period or to be paid in the product subscription, so that the amount of the funds required to be paid by the user in advance is reduced, a certain income can be generated in the locking period, and the income rate of the user funds cost is improved, and the detailed description is as follows:
fig. 1 shows a flowchart of an implementation of a processing method for prepaid virtual resources according to an embodiment of the present invention, which is detailed as follows:
s101, according to the formula
Calculating a first minimum payment amount corresponding to the initial day of the locking period of the virtual resource, wherein P is the first minimum payment amount, F is the total amount of payment required by the virtual resource, i is a first estimated daily interest rate corresponding to the locking period, and n is the number of days of the locking period.
The first minimum payment amount corresponding to the virtual resource on the locking period starting date is the minimum prepaid amount which the user should pay on the locking period starting date. The total amount to be paid for the virtual resource is the amount of funds the product merchant requires the user to pay when making a product purchase for the recruitment period or when making a product subscription payment, i.e., the target prepaid amount that ultimately needs to be paid to the product merchant after the lock period ends. The daily interest rate refers to the amount of interest per day for the user's funds transferred by the resource management layer. Because the interest of the user transferred into the funds is calculated every day in the resource management layer, the total amount of the funds of the user in the locking period is increased every day actually, namely the total interest obtained by the user on the end day of the locking period and the amount of the funds transferred into the locking period are certainly larger than that on the initial day, and therefore, theoretically, the user only needs to transfer funds smaller than the target prepaid amount on the initial day. In order to ensure that the instinct obtained at the end of the locking period is larger than the required target prepayment amount, the embodiment of the invention can predict the daily interest rate of the locking period to obtain the corresponding predicted daily interest rate so as to calculate the minimum prepayment amount.
To illustrate by way of example, assuming that the target prepaid amount F is 10 ten thousand and the lock-out period n is 90 days, the estimated daily interest rate i is 0.02%, and substituting the formula to obtain the minimum prepaid amount P = 100000/(1 + 0.02%) ^90 ≈ 9.8 ten thousand, so that the user only needs to credit at least 9.8 ten thousand on the initial day of the lock-out period to obtain the required target prepaid amount of 10 ten thousand after the end of the lock-out period.
As an embodiment of the present invention, after obtaining the first minimum payment amount, the method further includes:
the first minimum payment amount is output to the sender.
The user is notified of the minimum prepaid amount after it is obtained so that the user can decide the amount of funds he or she will actually prepay based on the minimum prepaid amount.
And S102, if the actual payment amount of the virtual resource is larger than or equal to the first minimum payment amount, acquiring the actual daily interest rate corresponding to the locking period.
S103, calculating the total resource amount of the virtual resources in the locking period according to the formula (1), and calculating the difference value between the total resource amount of the virtual resources in the locking period and the total amount paid by the virtual resources to obtain the return amount of the virtual resources.
Equation (1) is as follows:
H＝R×(1+a 1 )×(1+a 2 )×…×(1+a n ) (1)
wherein H is the total resource amount of the virtual resource in the locking period, R is the actual payment amount, a n Actual daily interest rate on day n of the locked period.
The actual payment amount for the virtual resource refers to the amount of actual prepaid funds that the user paid on the initial day of the lockout period. The total amount of resources for the virtual resource during the lock-out period is the sum of the total principal sum obtained after calculating the daily interest rate for the actual prepaid funds during the lock-out period. The amount of the virtual resources returned refers to the amount of the funds which are required to be returned to the user and exceed the total amount of the principal after the funds of the target prepaid amount are deducted, and because the total amount of the principal finally obtained in the embodiment of the invention may be larger than the target prepaid amount, and the product merchant only needs the funds of the target prepaid amount, the excess part of the embodiment of the invention can transfer the total amount of the principal to the user so as to bring the maximum fund benefit to the user.
As can be seen from the above description, when the amount of the actual prepaid funds is equal to the minimum prepaid amount, the sum of the actual principal and the amount finally obtained in the locking period is equal to the target prepaid amount, so as to ensure that the sum of the actual principal and the amount finally obtained in the locking period is equal to the target prepaid amount, in the embodiment of the present invention, the amount of the actual prepaid virtual resource transferred by the user on the initial day is detected, and after the sum is determined to be equal to the minimum prepaid amount, the daily interest is calculated according to the daily actual daily interest rate of the locking period, so as to obtain the sum of the actual principal and the amount finally obtained in the locking period.
As an embodiment of the present invention, since the balance finally obtained by the lock period and possibly the target prepaid amount cannot be satisfied when the amount of the actual prepaid funds is smaller than the minimum prepaid amount, the requirement for product purchase or deposit payment for the recruitment period is not satisfied, the embodiment of the present invention gives a warning to the user that the amount of the actual prepaid funds is smaller than the minimum prepaid amount and simultaneously outputs the calculated minimum prepaid amount to the user.
And S104, after the locking period is finished, extracting the virtual resources of the total amount required to be paid from the obtained virtual resources of the total resource amount, transferring the virtual resources to a receiving party through a preset authentication channel, and transferring the virtual resources of the returned amount to a sending party.
Wherein, the sender and the receiver are both parties of the virtual resource transaction. In the embodiment of the invention, the processor is a product merchant, and the sender is a user. As can be seen from the above description, when the amount of the actual prepaid money transferred by the user is greater than the minimum prepaid amount, the sum of the total sum obtained after the lock period ends is necessarily equal to the target prepaid amount, and thus it is necessary to divide the sum of the total sum obtained and transfer the sum to the product merchant through the authentication channel, thereby realizing the purchase of the product in the recruitment period or the payment of the product subscription. Meanwhile, for the excessive funds, the embodiment of the invention transfers the excessive funds to the user so as to increase the fund income of the user.
The resource management layer is arranged between two transaction parties, the resource management layer carries out interest and calculation on actual prepaid virtual resources deposited by a user in a locking period, funds of a required target prepaid amount are extracted from the obtained total interest and the sum at the end of the locking period, and then the funds are transferred to a product merchant account of a third party through an authentication channel, so that the user can enjoy fund interest benefits even in the locking period. Meanwhile, the prepaid amount which is least required to be stored by the user under the condition that the daily interest rate is calculated in the locking period is obtained on the basis of the known number of days in the locking period and the required target prepaid amount and the calculated estimated daily interest rate of the locking period, so that the user can realize the final transfer of the target prepaid amount fund as long as the actual transferred prepaid amount is ensured to be larger than the minimum prepaid amount, the requirement on the prepaid fund transferred by the user is reduced while the income rate of the fund cost is improved for the user, the circulation of virtual resources in the locking period is realized, and the waste of the virtual resources is reduced.
As a second embodiment of the present invention, as shown in fig. 2, in consideration of the fact that the daily interest rate fluctuates with the change of the market in practical application, and the fluctuation may be increased or decreased, the actual daily interest rate in the lock period may be lower than the estimated daily interest rate, and even if the user transfers funds equal to or larger than the minimum prepaid amount, the final total amount and the target prepaid amount may be smaller. Therefore, in order to ensure that the total information obtained by the user at the end of the locking period is equal to the target prepaid amount, the embodiment of the present invention sets a preset date for correction processing during the locking period, compares the actual information obtained by the preset date with a theoretical information sum calculated according to the estimated daily interest rate during the locking period, determines whether the actual daily interest rate is too small, and performs correction processing in time, which is detailed as follows:
s201, if the current date corresponds to the preset date in the locking period, calculating the number of days from the starting date to the current date and the corresponding actual resource amount after the virtual resource of the actual payment amount from the starting date to the current date is increased.
The actual resource amount corresponding to the increased virtual resource of the actual payment amount refers to an actual interest sum generated by performing interest calculation by taking actual prepaid funds as principal and daily actual daily interest rate from the initial date of the locking period to the preset date. For example, assuming that the actual prepaid fund is 9.8 ten thousand for 15 days from the lock period start date to the preset date, the actual daily interest rates per day are 0.02%, 0.018%, 0.016%, 0.019%, 0.016%, 0.015%, 0.014%, 0.013%, 0.012% and 0.011%, respectively, actual information obtained at this time and F =98000 × (1 + 0.02%) × (1 + 0.018%) × x (1 + 0.016%) × (1 + 0.019%) × 1+ 0.016%) × x (1 + 0.016%) × (1 + 0.016%))%) × (1 + 0.015%) × (1 + 0.014%) × (1 + 0.013%) × (1 + 0.012%) × (= 0.012%) =98237.
S202, calculating theoretical resource quantity corresponding to the current date according to the days from the starting date to the current date, the first estimated daily interest rate and the actual payment quantity, and judging whether the theoretical resource quantity is larger than the actual resource quantity.
The theoretical resource amount corresponding to the current date is the theoretical interest sum generated by calculating interest from the initial date of the locking period to the preset date by taking actual prepaid funds as principal and the estimated daily interest rate in the first embodiment of the invention. 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 invention, after the actual interest sum of the preset date is obtained, the first embodiment of the present invention further needs to calculate a theoretical interest sum, which should be obtained from the start date of the lock period to the preset date, according to the estimated daily interest rate in the first embodiment of the present invention. As still another example, assuming that the estimated daily interest rate is 0.02%, the actual prepaid funds are 9.8 ten thousand from the locking period start date to the preset date for 15 days, and the sum of the theoretical interest corresponding to the current preset date and the estimated daily interest rate calculated according to the first embodiment of the present invention is smaller than the sum of the theoretical interest rate calculated according to the estimated daily interest rate of the first embodiment of the present invention, that is, 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 invention.
Since the estimated daily interest rate in the first embodiment of the present invention belongs to a known parameter, whether the actual daily interest rate is too small is performed based on the known estimated daily interest rate, so that the processing speed of the judgment can be increased, and the workload on the resource management layer can be reduced.
S203, if the theoretical resource amount is larger than the actual resource amount, calculating the number of days from the current date to the locking period end date and a second estimated daily interest rate corresponding to the period from the current date to the locking period end date, and calculating a second minimum payment amount corresponding to the current date based on the number of days from the current date to the locking period end date, the second estimated daily interest rate and the total amount required to be paid by the virtual resources.
S204, calculating the difference value between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference value from the sender to add 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 in the first embodiment of the present invention, it is described that if the current interest rate and the estimated daily interest rate are still calculated according to the actual prepaid funds originally transferred on the initial date of the lock-out period as the current funds, the total current funds obtained after the end of the lock-out period and the target prepaid amount may not be met. Therefore, in order to ensure that the total amount of money obtained after the lock period ends and is equal to or greater than the target advance amount, it is necessary to replenish the actual advance funds with funds in time when this situation is found.
In order to realize accurate and timely supplement of actual prepaid funds, the embodiment of the invention calculates the number of days from the current preset date to the end date, predicts the daily interest rate of the period again to obtain a second predicted daily interest rate, recalculates a second minimum prepaid amount corresponding to the current preset date based on the obtained number of days, the second predicted daily interest rate and the set target prepaid amount, and divides the supplementary prepaid funds from the user's fund account based on the obtained actual interest of the current preset date and the corresponding second minimum prepaid amount so as to supplement the actual prepaid funds.
Still continuing with the above example, assuming that the target prepaid amount is 10 ten thousand, the lock period is 90 days, 15 days from the start date of the lock period to the current preset date, and 75 days from the current preset date to the end date of the lock period, the actual balance and F =98237 are obtained from the above calculation. At this time, the estimated daily interest rate corresponding to 75 days from the current preset date to the locking period ending date is calculated, and assuming that the calculated estimated daily interest rate is 0.015%, at this time, a second minimum prepaid amount P = 100000/(1 + 0.015%)/75= 98881 can be calculated, and the difference between the second minimum prepaid amount and the actual sum of the money is =98881-98237=644, so that 644 needs to be divided from the user's fund account to be added to the actual prepaid fund, so as to ensure that the total sum of the money after the locking period ending is equal to the target prepaid amount.
As another specific implementation manner of correcting the actual daily interest rate being too small, since the number of preset dates in the second embodiment of the present invention may be one or multiple, when there are multiple preset dates, if there is a situation where the actual daily interest rate is too small in a preset date before the current preset date, the method according to the second embodiment of the present invention recalculates the estimated daily interest rate to obtain a new estimated daily interest rate, and at this time, the estimated daily interest rate in the first embodiment of the present invention has lost the reference value, if the method according to the second embodiment of the present invention is still used for correction, a determination error may be caused when the actual daily interest rate is too small, and therefore, in order to ensure that the actual daily interest rate is accurately determined and corrected in the case of multiple preset dates, as shown in fig. 3, the third embodiment of the present invention includes:
s301, if the current date corresponds to the preset date in the locking period, calculating the number of days from the starting date to the current date and the corresponding actual resource amount after the virtual resource of the actual payment amount in the period from the starting date to the current date is increased.
S302, calculating the number of days from the current date to the end date of the locking period and a second estimated daily interest rate corresponding to the period from the current date to the end date of the locking period, and calculating a second minimum payment amount corresponding to the current date based on the number of days from the current date to the end date of the locking period, the second estimated daily interest rate and the total amount of virtual resources required to be paid.
And S303, if the difference value between the second minimum payment amount and the actual resource amount is judged to be larger than zero, acquiring the virtual resource with the difference value from the sender and adding the virtual resource with the actual payment amount.
For the actual information and calculation, and the calculation of the second minimum prepaid amount, etc., the same as those in the second embodiment of the present invention are referred to for details, and no further description is given here, and the following description is made for differences from the second embodiment of the present invention:
the difference from the second embodiment of the present invention is that, in the embodiment of the present invention, 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, but the method of the first embodiment of the present invention is utilized to directly calculate the minimum prepaid amount corresponding to the current preset date as a new "lock period" from the current preset date to the end date of the lock period, and compare the minimum prepaid amount with the actual sum of the current preset date, and if the minimum prepaid amount corresponding to the current preset date is greater than the actual sum of the current date, it is indicated that the actual sum of the current preset date does not meet the actual requirement, and therefore, the user is required to supplement the actual prepaid funds to ensure that the required target prepaid amount can be obtained normally finally.
It should be understood that the above "when there are multiple preset dates, if there is a case where the actual daily interest rate is too small in a preset date before the current preset date", is only an example application scenario applicable to the third embodiment of the present invention, and is not a limitation to the protection scope thereof, as it can also be directly used as a correction processing method for all preset dates.
It should be noted that, in the second embodiment of the present invention and the third embodiment of the present invention, the number of the preset dates and the setting rule of the specific dates may be set by the technician according to the requirement, for example, the number may be set to be only one or a plurality, and the specific date setting includes, but is not limited to, setting at fixed time intervals, for example, setting a preset date every 15 days after the initial date. The correction effect is positively correlated with the set number of the preset dates and negatively correlated with the interval time length of the preset dates.
As a fourth embodiment of the present invention, as shown in fig. 4, before calculating the first minimum payment amount, the method further includes:
s401, obtaining the historical daily interest rate in a preset time period before the starting day.
S402, obtaining the daily rate of measurement based on the trend analysis result of the obtained historical daily rate.
S403, adjusting the daily interest rate according to a preset conversion coefficient to obtain a first estimated daily interest rate.
In consideration of the fact that the fluctuation of the daily interest rate may be biased to decrease in the actual situation, it is very likely that the actual daily interest rate mentioned in the above embodiments is too small, that is, the total interest sum obtained finally may be smaller than the target prepaid amount, and in order to ensure that the total interest sum obtained finally is equal to the required target prepaid amount, the estimated daily interest rate obtained finally in the embodiment of the present invention cannot be too large, so that the embodiment of the present invention performs the conversion processing on the estimated daily interest rate obtained by the historical daily interest rate processing when performing the estimated daily interest rate calculation to ensure the effectiveness 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. If the estimated daily interest rate calculated according to the historical daily interest rate is 0.02% and the estimated daily interest rate is 0.8, the estimated daily interest rate =0.02% × 0.8=0.016%.
The method for analyzing the historical daily interest rate trend is not limited in the embodiment of the invention, and specifically, the method can be set by technicians according to requirements, including but not limited to directly averaging the historical daily interest rate or performing curve fitting on the historical daily interest rate to obtain a curve corresponding to the estimated daily interest rate, and then obtaining the required daily interest rate estimation data based on the curve (for example, taking the minimum value in the curve as the daily interest rate estimation data). The specific value of the acquired historical daily interest rate in the preset time period can also be set by a technician according to the requirement, for example, the specific value can be set to be one month or three months.
As another embodiment of the present invention, when the estimated daily interest rate is calculated in the second embodiment of the present invention and the third embodiment of the present invention, the calculation may be performed by using the method in the fourth embodiment of the present invention, or may be performed by using a method, which may be specifically selected by a skilled person.
Fig. 5 shows a block diagram of a processing apparatus for pre-paid virtual resources provided by an embodiment of the present invention, corresponding to the method of the above embodiment, and only the parts related to the embodiment of the present invention are shown for convenience of description. The processing apparatus of the prepaid virtual resource illustrated in fig. 5 may be an executing subject of the processing method of the prepaid virtual resource provided in the first embodiment.
Referring to fig. 5, the apparatus for processing prepaid virtual resources includes:
a first minimum payment calculation module 51 for calculating a first minimum payment according to a formula
Calculating a first minimum payment amount corresponding to the initial day of the virtual resource in the locking period, wherein P is the first minimum payment amount, F is the total amount to be paid by the virtual resource, i is a first estimated daily interest rate corresponding to the locking period, and n is the number of days in the locking period.
An actual daily interest rate obtaining module 52, configured to obtain the actual daily interest rate corresponding to the locking period if the actual payment amount of the virtual resource is greater than or equal to the first minimum payment amount.
A resource amount calculation module 53 for calculating the resource amount according to the formula H = R × (1+a) 1 )×(1+a 2 )×…×(1+a n ) Calculating the total resource amount of the virtual resource in the locking period, and calculating the difference value between the total resource amount of the virtual resource in the locking period and the total amount of the virtual resource needing to be paid to obtain the return amount of the virtual resource, wherein H is the amount of the virtual resource in the locking periodThe total resource amount in the lock period, R is the actual payment amount, a n The actual daily interest rate on the nth day of the lock-out period.
A resource transferring module 54, configured to extract the virtual resource of the total amount to be paid from the obtained virtual resources of the total resource amount after the locking period is ended, transfer the virtual resource of the total amount to a receiving party through a preset authentication channel, and transfer the virtual resource of the returned amount to a sending party.
Further, the processing apparatus of prepaid virtual resource further includes:
and the actual resource amount calculating module is used for calculating the number of days from the starting day to the current date and the actual resource amount corresponding to the increased virtual resource amount of the actual payment amount from the starting day to the current date if the current date corresponds to a preset date in the locking period.
And the theoretical resource amount calculating module is used for calculating the theoretical resource amount corresponding to the current date according to the days from the starting date to the current date, the first estimated daily interest rate and the actual payment amount, and judging whether the theoretical resource amount is larger than the actual resource amount.
And the second minimum payment calculation module is used for calculating the number of days from the current date to the locking period end date and a second pre-estimated daily interest rate corresponding to the period from the current date to the locking period end date if the theoretical resource amount is larger than the actual resource amount, and calculating a second minimum payment corresponding to the current date based on the number of days from the current date to the locking period end date, the second pre-estimated daily interest rate and the total amount required to be paid by the virtual resources.
And the resource supplementing module is used for calculating the difference value between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference value from the sender and adding the virtual resource of the actual payment amount.
Further, the apparatus for processing prepaid virtual resources further comprises:
and the actual resource amount calculating module is used for calculating the number of days from the starting day to the current date and the actual resource amount corresponding to the increased virtual resource amount of the actual payment amount from the starting day to the current date if the current date corresponds to a preset date in the locking period.
And the second minimum payment calculation module is used for calculating the number of days from the current date to the end date of the locking period and a second estimated daily interest rate corresponding to the period from the current date to the end date of the locking period, and calculating a second minimum payment corresponding to the current date based on the number of days from the current date to the end date of the locking period, the second estimated daily interest rate and the total amount of the virtual resources required to be paid.
And the resource supplementing module is used for acquiring the virtual resource with the difference amount from the sender and adding the virtual resource with the difference amount to the virtual resource with the actual payment amount if the difference amount between the second minimum payment amount and the actual resource amount is judged to be larger than zero.
Further, the processing apparatus of prepaid virtual resource further includes:
and the information output module is used for outputting the first minimum payment amount to the sender.
Further, the processing apparatus of prepaid virtual resource further includes:
and the historical daily interest rate acquisition module is used for acquiring the historical daily interest rate in a preset time period before the starting day.
And the daily interest rate analysis and calculation module is used for obtaining the measured daily interest rate based on the trend analysis result of the obtained historical daily interest rate.
And the daily interest rate conversion module is used for adjusting the calculated daily interest rate according to a preset conversion coefficient to obtain the first estimated daily interest rate.
The process of implementing each function by each module in the processing apparatus for prepaid virtual resources provided in the embodiment of the present invention may specifically refer to the description of the first embodiment shown in fig. 1, and is not described herein again.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
It will also be understood that, although the terms first, second, etc. may be used herein to describe various elements in some embodiments of the invention, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, a first contact may be termed a second contact, and, similarly, a second contact may be termed a first contact, without departing from the scope of the various described embodiments. The first contact and the second contact are both contacts, but they are not the same contact.
Fig. 6 is a schematic diagram of a terminal device for processing prepaid virtual resources according to an embodiment of the present invention. As shown in fig. 6, the terminal device 6 for processing prepaid virtual resources of this embodiment includes: a processor 60, a memory 61, said memory 61 having stored therein a computer program 62 executable on said processor 60. The processor 60, when executing the computer program 62, implements the steps in the above-described embodiments of processing methods for pre-paid virtual resources, such as the steps 101 to 104 shown in fig. 1. Alternatively, the processor 60, when executing the computer program 62, implements the functions of the modules/units in the device embodiments described above, such as the modules 51 to 54 shown in fig. 5.
The processing terminal device 6 of the prepaid virtual resource may be a computing device such as a desktop computer, a notebook, a palm computer, and a cloud server. The terminal equipment for processing the prepaid virtual resource may include, but is not limited to, a processor 60 and a memory 61. It will be appreciated by those skilled in the art that fig. 6 is only an example of a prepaid virtual resource processing terminal device 6 and does not constitute a limitation to the prepaid virtual resource processing terminal device 6, and may comprise more or less components than those shown, or some components may be combined, or different components, e.g. the prepaid virtual resource processing terminal device may further comprise an input transmitter device, a network access device, a bus, etc.
The Processor 60 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 61 may be an internal storage unit of the processing terminal device 6 for the prepaid virtual resource, such as a hard disk or a memory of the processing terminal device 6 for the prepaid virtual resource. The memory 61 may also be an external storage device of the processing terminal device 6 of the prepaid virtual resource, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are equipped on the processing terminal device 6 of the prepaid virtual resource. Further, the memory 61 may also include both an internal storage unit and an external storage device of the processing terminal device 6 of the prepaid virtual resource. The memory 61 is used for storing the computer programs and other programs and data required by the terminal device for processing the prepaid virtual resources. The memory 61 may also be used to temporarily store data that has been transmitted or is to be transmitted.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit may be implemented in the form of hardware, or may also be implemented 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, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, read-Only Memory (ROM), random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer-readable medium may contain suitable additions or subtractions depending on the requirements of legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer-readable media may not include electrical carrier signals or telecommunication signals in accordance with legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein.
Claims (6)
1. A method for processing prepaid virtual resources, comprising:
according to the formula
Calculating a first minimum payment amount corresponding to the initial date of the locking period of the virtual resource, wherein P is the first minimum payment amount, and F isThe total amount of the virtual resources required to be paid, i is a first estimated daily interest rate corresponding to the locking period, and n is the number of days of the locking period;
if the actual payment amount of the virtual resource is larger than or equal to the first minimum payment amount, acquiring the actual daily interest rate corresponding to the locking period;
according to the formula H = R x (1+a) 1 )×(1+a 2 )×…×(1+a n ) Calculating the total resource amount of the virtual resource in the locking period, and calculating the difference between the total resource amount of the virtual resource in the locking period and the total amount of the virtual resource required to be paid to obtain the return amount of the virtual resource, wherein H is the total resource amount of the virtual resource in the locking period, R is the actual payment amount, and a is n The actual daily interest rate of the nth day of the locking period;
after the locking period is finished, extracting the virtual resources of the total amount required to be paid from the obtained virtual resources of the total resource amount, transferring the virtual resources to a receiving party through a preset authentication channel, and transferring the virtual resources of the returned amount to a sending party;
during the locking period, further comprising:
if the current date corresponds to a preset date in the locking period, calculating the number of days from the starting date to the current date and the corresponding actual resource amount of the virtual resource of the actual payment amount in the period from the starting date to the current date after the virtual resource is increased;
calculating theoretical resource quantity corresponding to the current date according to the days from the starting date to the current date, the first estimated daily interest rate and the actual payment quantity, and judging whether the theoretical resource quantity is larger than the actual resource quantity;
if the theoretical resource amount is larger than the actual resource amount, calculating the number of days from the current date to the locking period end date and a second estimated daily interest rate corresponding to the period from the current date to the locking period end date, and calculating a second minimum payment amount corresponding to the current date based on the number of days from the current date to the locking period end date, the second estimated daily interest rate and the total amount required to be paid by the virtual resources;
calculating a difference value between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference value from the sender to add to the virtual resource of the actual payment amount;
or, during the locking period, further comprising:
if the current date corresponds to a preset date in the locking period, calculating the number of days from the starting date to the current date and the corresponding actual resource amount of the virtual resource of the actual payment amount in the period from the starting date to the current date after the virtual resource is increased;
calculating the number of days from the current date to the locking period end date and a second pre-estimated daily interest rate corresponding to the period from the current date to the locking period end date, and calculating a second minimum payment amount corresponding to the current date based on the number of days from the current date to the locking period end date, the second pre-estimated daily interest rate and the total amount required to be paid by the virtual resources;
and if the difference value between the second minimum payment amount and the actual resource amount is judged to be larger than zero, the virtual resource of the difference value is obtained from the sender and is added into the virtual resource of the actual payment amount.
2. The process of claim 1, wherein after said calculating a first minimum payment amount for a virtual resource on a corresponding lock period start day, further comprising:
outputting the first minimum payment amount to the sender.
3. The method of processing prepaid virtual resources according to claim 1, comprising, before said calculating a first minimum payment amount for a virtual resource on a corresponding lock period start day:
acquiring historical daily interest rate in a preset time period before the starting day;
obtaining a daily rate of measurement and calculation based on the obtained trend analysis result of the historical daily rate;
and adjusting the daily interest rate according to a preset conversion coefficient to obtain the first estimated daily interest rate.
4. A terminal device for processing prepaid virtual resources, comprising a memory, a processor, a computer program being stored in the memory and being executable on the processor, the processor implementing the following steps when executing the computer program:
according to the formula
Calculating a first minimum payment amount corresponding to the initial day of the locking period of the virtual resource, wherein P is the first minimum payment amount, F is the total amount of the virtual resource required to be paid, i is a first estimated daily interest rate corresponding to the locking period, and n is the number of days of the locking period;
if the actual payment amount of the virtual resource is larger than or equal to the first minimum payment amount, acquiring the actual daily interest rate corresponding to the locking period;
according to the formula H = R x (1+a) 1 )×(1+a 2 )×…×(1+a n ) Calculating the total resource amount of the virtual resource in the locking period, and calculating the difference between the total resource amount of the virtual resource in the locking period and the total amount of the virtual resource to be paid to obtain the return amount of the virtual resource, wherein H is the total resource amount of the virtual resource in the locking period, R is the actual payment amount, and a is n The actual daily interest rate of the nth day of the locking period;
after the locking period is finished, extracting the virtual resources of the total amount required to be paid from the obtained virtual resources of the total resource amount, transferring the virtual resources to a receiving party through a preset authentication channel, and transferring the virtual resources of the returned amount to a sending party;
during the locking period, further comprising:
if the current date corresponds to a preset date in the locking period, calculating the number of days from the starting date to the current date and the corresponding actual resource amount of the virtual resource of the actual payment amount in the period from the starting date to the current date after the virtual resource is increased;
calculating theoretical resource quantity corresponding to the current date according to the number of days from the starting date to the current date, the first estimated daily interest rate and the actual payment amount, and judging whether the theoretical resource quantity is larger than the actual resource quantity;
if the theoretical resource amount is larger than the actual resource amount, calculating the number of days from the current date to the locking period end date and a second estimated daily interest rate corresponding to the period from the current date to the locking period end date, and calculating a second minimum payment amount corresponding to the current date based on the number of days from the current date to the locking period end date, the second estimated daily interest rate and the total amount required to be paid by the virtual resources;
calculating a difference value between the second minimum payment amount and the actual resource amount, and acquiring the virtual resource of the difference value from the sender to add to the virtual resource of the actual payment amount;
or, during the locking period, further comprising:
if the current date corresponds to a preset date in the locking period, calculating the number of days from the starting date to the current date and the corresponding actual resource amount of the virtual resource of the actual payment amount in the period from the starting date to the current date after the virtual resource is increased;
calculating the number of days from the current date to the end date of the locking period and a second estimated daily interest rate corresponding to the period from the current date to the end date of the locking period, and calculating a second minimum payment amount corresponding to the current date based on the number of days from the current date to the end date of the locking period, the second estimated daily interest rate and the total amount of the virtual resources required to be paid;
and if the difference value between the second minimum payment amount and the actual resource amount is judged to be larger than zero, the virtual resource of the difference value is obtained from the sender and is added into the virtual resource of the actual payment amount.
5. The processing terminal device of claim 4, wherein prior to said computing a first minimum payment amount for a virtual resource on a corresponding lock period start date, comprising:
acquiring historical daily interest rate in a preset time period before the starting day;
obtaining a measured daily interest rate based on the obtained trend analysis result of the historical daily interest rate;
and adjusting the daily interest rate calculated according to a preset conversion coefficient to obtain the first estimated daily interest rate.
6. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 3.
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| CN201810309675.2A CN108734461B (en) | 2018-04-09 | 2018-04-09 | Processing method of prepaid virtual resource and terminal equipment |
| PCT/CN2018/097108 WO2019196252A1 (en) | 2018-04-09 | 2018-07-25 | Method, apparatus, and terminal device for processing prepaid virtual resources, and medium |
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| CN104978688A (en) * | 2014-04-02 | 2015-10-14 | 陈衡 | Unbidden fund value increasing device, unbidden fund value increasing method and financing system |
| CN107516273A (en) * | 2017-08-10 | 2017-12-26 | 杭州龙盈互联网金融信息技术有限公司 | The delivery method and device of a kind of virtual resource |
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| US8660923B2 (en) * | 2010-08-02 | 2014-02-25 | The Western Union Company | Recurring money transfer |
| CN104751266B (en) * | 2013-12-31 | 2018-07-06 | 腾讯科技（深圳）有限公司 | Data processing method, value-added server and system |
| CN106855828A (en) * | 2015-12-09 | 2017-06-16 | 阿里巴巴集团控股有限公司 | A kind of method for processing resource and device |
| CN106127382B (en) * | 2016-06-22 | 2018-09-07 | 财付通支付科技有限公司 | Method for managing resource and device |
| US20180053265A1 (en) * | 2016-08-19 | 2018-02-22 | Benjamin Wade Lyon | Method and System for Engaging and Coordinating Real Estate Transactions from Contact to Contract |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104978688A (en) * | 2014-04-02 | 2015-10-14 | 陈衡 | Unbidden fund value increasing device, unbidden fund value increasing method and financing system |
| CN107516273A (en) * | 2017-08-10 | 2017-12-26 | 杭州龙盈互联网金融信息技术有限公司 | The delivery method and device of a kind of virtual resource |
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