CN110533543B

CN110533543B - Method and device for terminating value-added products and currency fund

Info

Publication number: CN110533543B
Application number: CN201910806439.6A
Authority: CN
Inventors: 张甫; 杨光润; 朱蕾; 彭小波; 何继远; 周忠恳; 曹政
Original assignee: Shanghai I2finance Software Co ltd
Current assignee: Shanghai I2finance Software Co ltd
Priority date: 2019-08-29
Filing date: 2019-08-29
Publication date: 2022-04-05
Anticipated expiration: 2039-08-29
Also published as: CN110533543A

Abstract

The application discloses a method and a device for terminating value addition of a resource value-added product by a resource, wherein if the amount of a target account rapidly terminating a first resource value-added product in a specified time is larger than the maximum amount capable of being terminated, at least one second resource value-added product can be purchased by the specified account in advance for the target account, and the requirement of the target account for terminating the resource with higher amount (higher than the maximum amount capable of being terminated) is improved by rapidly terminating the at least second resource value-added product in the specified time, so that the desire of a client for using the resource with higher amount is met, and the user viscosity and the activity of a third-party resource value-added product management platform are improved.

Description

Method and device for terminating value-added products and currency fund

Technical Field

The application relates to the technical field of computers, in particular to a method and a device for terminating the value addition of resource value-added products and currency funds.

Background

With the popularization of the mobile internet, many resource service providers offer online service platforms, through which customers can purchase or redeem resource value-added products issued by resource value-added product issuers, for example, customers can purchase or redeem financial products (such as currency fund) offered by banks through third-party financial Applications (APPs).

Existing redemption approaches include both quick and ordinary redemption. The fast redemption is a real-time redemption mode, usually an online service platform pays the resource amount needing to be redeemed to a customer in real time, and then requests an issuer of the resource value-added product to replenish the resource of the corresponding amount according to the resource amount paid by the issuer, and the redemption mode can ensure that the redeemed resource is rapidly checked out (such as being immediately checked out, being checked out within 2 hours or being checked out on the same day); ordinary redemption is a non-real-time redemption mode, which does not need the online service platform to pay the customer in real time, but pays the redeemed resources to the customer directly after settlement is finished by the issuer of the resource value-added product, and the redeemed resources can be paid out after a period of time, such as (T +1) account check within a working day after the current date of redemption.

In order to ensure the resource security of the online service platform, the supervision organization limits the quick redeeming amount of the resource value-added product. However, this results in the customer's urgent need to use higher value funds (above the quick redemption limit) which is not met and inconveniences the customer.

Disclosure of Invention

The embodiment of the specification provides a method and a device for terminating the increment of a resource increment product and a currency fund increment, so as to improve the amount of resources quickly redeemed by a customer and meet the requirement that the customer urgently needs to use the resources with higher amount.

In a first aspect, an embodiment of the present specification provides a method for terminating value-added of a resource value-added product, where the method includes:

receiving a request of a target account for terminating the increment of a first resource value-added product of a target limit, wherein the target limit is larger than a first limit and not larger than the total amount of the first resource value-added product held by the target account, and the first limit is the maximum limit of the first resource value-added product for which the increment can be terminated within a specified time;

terminating the appreciation of the first resource appreciation product of the first amount held by the target account within the designated time;

transferring a resource with a specified amount from a specified account to an issuer account of at least one second resource value-added product so as to transfer the at least one second resource value-added product with a corresponding amount to the target account within the specified time, wherein the amount of each second resource value-added product transferred to the target account is not more than a second amount, the second amount is the maximum amount of the second resource value-added product which can be terminated for adding value within the specified time, and the sum of the specified amount and the first amount is the target amount;

terminating the increment of the at least one second resource value-added product of the specified amount held by the target account within the specified time;

and after the appointed time, terminating the increment of the first resource value-added product of the appointed amount held by the target account, and transferring the resource of the appointed amount obtained by termination to the appointed account.

In a second aspect, embodiments of the present description provide a method of terminating the appreciation of a monetary fund, the method comprising:

receiving a request of a target account for terminating the increment of a first currency fund of a target amount, wherein the target amount is larger than the first amount and is not larger than the total amount of the first currency fund held by the target account, and the first amount is the maximum amount of the first currency fund which can be terminated for increment within a specified time;

terminating the accrual of the first amount of the first monetary fund held by the target account within the specified time;

transferring a specified amount of funds from a specified account to an issuer account of at least one second monetary fund to transfer the corresponding amount of the at least one second monetary fund to the target account within the specified time, wherein the amount of each of the second monetary funds transferred to the target account is not greater than a second amount, the second amount being a maximum amount to which the second monetary fund can be terminated to add value within the specified time, and the sum of the specified amount and the first amount being the target amount;

terminating the accrual of the at least one second monetary fund in the specified amount held by the target account within the specified time;

and after the specified time, terminating the increment of the first currency fund of the specified amount held by the target account, and transferring the funds of the specified amount obtained by termination to the specified account.

In a third aspect, an embodiment of the present specification further provides an apparatus for terminating value-added of a resource value-added product, where the apparatus includes:

the first receiving module is used for receiving a request of a target account for terminating the increment of a first resource value-added product of a target limit, wherein the target limit is larger than a first limit and not larger than the total amount of the first resource value-added product held by the target account, and the first limit is the maximum limit of the first resource value-added product which can be terminated for increment within a specified time;

the first product termination module is used for terminating the increment of the first resource value-added product of the first quota held by the target account within the specified time;

the resource transfer module is used for transferring resources with specified limits from a specified account to an issuer account of at least one second resource value-added product so as to transfer the at least one second resource value-added product with corresponding limits to the target account within the specified time, wherein the limit of each second resource value-added product transferred to the target account is not more than a second limit, the second limit is the maximum limit of the second resource value-added product which can be terminated to be added within the specified time, and the sum of the specified limit and the first limit is the target limit;

the second product termination module is used for terminating the increment of the at least one second resource value-added product of the specified quota held by the target account within the specified time;

and the third termination module is used for terminating the increment of the first resource value-added product of the specified quota held by the target account after the specified time, and transferring the resource of the specified quota obtained by termination to the specified account.

In a fourth aspect, embodiments of the present disclosure further provide an apparatus for terminating the increment of a monetary fund, the apparatus comprising:

the second receiving module is used for receiving a request of the target account for terminating the increment of the first currency fund of the target amount, wherein the target amount is larger than the first amount and is not larger than the total amount of the first currency fund held by the target account, and the first amount is the maximum amount of the first currency fund which can be terminated for increment within the appointed time;

a first fund termination module for terminating the increment of the first amount of the first monetary fund held by the target account within the specified time;

a fund transfer module, configured to transfer funds of a specified amount from a specified account to an issuer account of at least one second monetary fund, so as to transfer the at least one second monetary fund of a corresponding amount to the target account within the specified time, where an amount of each second monetary fund transferred to the target account is not greater than a second amount, the second amount is a maximum amount at which the second monetary fund can be terminated to be added within the specified time, and a sum of the specified amount and the first amount is the target amount;

a second fund termination module for terminating the increment of the at least one second monetary fund of the specified amount held by the target account within the specified time;

and the third fund termination module is used for terminating the increment of the first currency fund of the specified amount held by the target account after the specified time and transferring the funds of the specified amount obtained by termination to the specified account.

In a fifth aspect, an embodiment of the present specification further provides an electronic device, including: a memory, a processor and a computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing the steps of the method according to the first or second aspect.

In a sixth aspect, the present specification further provides a computer-readable storage medium, on which a computer program is stored, and the computer program, when executed by a processor, implements the steps of the method according to the first aspect or the second aspect.

In the at least one technical solution adopted in the embodiment of the present specification, if the amount of the first resource value-added product that the target account rapidly terminates within the specified time is greater than the terminable maximum amount, the requirement that the target account intends to terminate the resource with a higher amount (higher than the terminable maximum amount) is increased by purchasing at least one second resource value-added product on behalf of the target account through the specified account funding and rapidly terminating the at least second resource value-added product within the specified time, so as to satisfy the desire of the customer to use the resource with a higher amount, thereby increasing the user stickiness and the activity of the third-party resource value-added product management platform.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

fig. 1 is a schematic flow chart of a method for terminating value-added of a resource value-added product according to an embodiment of the present disclosure.

Fig. 2 is a second schematic flowchart of a method for terminating value-added of a resource value-added product according to an embodiment of the present disclosure;

fig. 3 is a flowchart illustrating a method for terminating the increment of the monetary fund according to an embodiment of the present disclosure.

Fig. 4 is a schematic structural diagram of an apparatus for terminating value-added of a resource value-added product according to an embodiment of the present disclosure.

Fig. 5 is a second schematic structural diagram of an apparatus for terminating value-added of a resource value-added product according to an embodiment of the present disclosure.

Fig. 6 is a schematic structural diagram of an apparatus for terminating the increment of money funds according to an embodiment of the present disclosure.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In order to solve the problem that the prior art for terminating the value-added of the resource value-added product can rapidly terminate the value-added limit and cannot meet the requirement that a user urgently needs to use a resource with a higher limit, embodiments of the present specification provide a new method and apparatus for terminating the value-added of the resource value-added product, which are described below.

It should be noted that, the execution subject implementing the method and apparatus for terminating the value-added of the resource value-added product provided in the embodiment of the present specification may be a client or a server of a third-party resource value-added product management platform, and the embodiment of the present specification does not limit the specific implementation subject implementing the method and apparatus. The third-party resource value-added product management platform can be a third-party financing platform, and the third-party financing platform can sign a contract with at least one bank in advance to obtain the transaction authority of at least one resource value-added product. The resource value-added product can be a bank-issued currency fund.

The technical solutions provided in the embodiments of the present application are described in detail below with reference to the accompanying drawings, and a method for terminating value-added of a resource value-added product provided in the embodiments of the present application is first described.

As shown in fig. 1, a method for terminating value-added of a resource value-added product provided in an embodiment of the present specification may include the following steps:

step 101, start.

Step 102, receiving a request of the target account for terminating the value increment of the first resource value-added product of the target quota.

The target account may be an account registered by the target user on the third-party resource value-added product management platform, and the target user transfers a resource of a certain amount to an account of the issuer of the first resource value-added product through the third-party resource value-added product management platform in the name of the target account, so as to transfer the first resource value-added product of a corresponding amount to the target account, that is, the target user purchases the first resource value-added product of a certain amount on the third-party resource value-added product management platform in the name of the target account.

A resource value added product refers to a product (e.g., a monetary fund) that can be value added using a resource (e.g., a fund) in exchange for a value that can be terminated (or redeemed). The first resource value-added product is a resource value-added product held by the target account.

The target amount is not greater than the total amount of the first resource value-added products held by the target account, for example, if the total amount of the first resource value-added products held by the target account is 10, the target amount is less than or equal to 10.

Step 103, determining whether the target limit is greater than a first limit, where the first limit is a maximum limit that the first resource value-added product can terminate within a specified time. If so, go to step 104, otherwise go to step 109.

Wherein, the designated time can be the current date of the financing working day, namely T day or D day. In the financing market, the T-day trading refers to a financing working day, which is different from a common working day. In the financing market, day D trading, refers to 7 x 24 hours of all-weather trading support.

In the financial market, there is a concept of a day T +1 in addition to the day T and the day D, and it can be known from the definition of the day T that T +1 is the next working day of the current working day.

Taking the first resource value-added product as the first money fund as an example, the first amount is the maximum amount of the first money fund which can be terminated within the T day or the D day, and is usually 1 ten thousand yuan of renowned money, although the first amount can also be adjusted according to actual needs, and is not limited to 1 ten thousand yuan of renowned money.

And 104, terminating the increment of the first resource value-added product of the first amount held by the target account within the appointed time.

Namely, within the specified time, terminating the value increment of the first resource value-added product with the maximum value limit (first value limit) which can be terminated. And the termination within the specified time means that the increment of the first resource value-added product of the first quota is rapidly terminated, so that the resource of the first quota can rapidly reach the target account. Generally, if the transaction date of the first resource value-added product is D or T, the specified time is a period of time within D or T day.

Specifically, step 104 may include the following sub-steps:

and substep 1, transferring the resources of the first quota from the appointed account of the third-party resource value-added product management platform to the target account in the appointed time.

In a specific implementation, the first amount of resources may be transferred from the designated account of the third-party resource value-added product management platform to the target account immediately after the step 103 is executed or within a short time (both within the designated time). That is, the third-party resource value-added product management platform pads the first amount of resources to the target account immediately or in a short time, and this process may be called as padding.

In the embodiment of the specification, the funding comprises that the third-party resource value-added product management platform pays resources to a target account (target user) or an issuer of the resource value-added product. In the actual rapid transaction process of resource value-added products, the circulation of resources is not closed-loop in real time, and the current mainstream method is to adopt a mode of first funding and then clearing. In this embodiment, the substep 1 may be regarded as a procedure in which the third-party resource value-added product management platform pads the issuer of the first resource value-added product, so as to ensure that the target account first allows the resource of the first quota (the terminable maximum quota) to reach the target account in real time after initiating the request for terminating the value-added of the first resource value-added product of the target quota.

And substep 2, sending a first termination request to a first server, wherein the first termination request is used for requesting to terminate the increment of the first resource value-added product of the first quota held by the target account, and the first server is a server of an issuer of the first resource value-added product.

The sub-step can be understood as a process of applying the issuer of the first resource value-added product to the third-party resource value-added product management platform to replenish the replenished resource of the first quota after the third-party resource value-added product management platform refunds the target account, so that the circulation of the resource of the first quota forms a closed loop.

And substep 3, after the appointed time, receiving the resource of the first quota returned by the first server based on the first termination request, and transferring to the appointed account.

This sub-step can be understood as a process in which the issuer of the first resource value-added product supplements the underlying first amount of resources back to the third-party resource value-added product management platform, so that the circulation of the first amount of resources forms a closed loop.

It can be understood that, through step 104, the target account can be helped to complete the purpose of rapidly terminating the first resource value-added product of the first quota, so that the resource of the first quota can rapidly reach the target account. However, it is not enough to have the first amount of resources quickly reach the target account, and the target amount that the target account wants to terminate quickly is not reached. Therefore, the following step 105 and the following step 106 are further performed.

Step 105, transferring the resource with the appointed amount from the appointed account to the issuer account of at least one second resource value-added product, so as to transfer the at least one second resource value-added product with the corresponding amount to the target account within the appointed time, wherein the amount of each second resource value-added product transferred to the target account is not more than a second amount, the second amount is the maximum amount of the second resource value-added product which can be terminated to add value within the appointed time, and the sum of the appointed amount and the first amount is the target amount.

The designated account can be an account of a third-party resource value-added product management platform. The second limit is the maximum limit that the second resource value-added product can terminate within the T day or the D day, and is usually 1 ten thousand yuan RMB, although the second limit can also be adjusted according to actual needs, and is not limited to 1 ten thousand yuan RMB.

In order to increase the amount of the resource value-added product which can be terminated by the target account within the specified time, or in order to increase the amount of the resource which is obtained by terminating the resource value-added product by the target account within the specified time, the third-party resource value-added product management platform replaces the target account to subscribe at least one second resource value-added product of the specified amount within the specified time, wherein the sum of the specified amount and the first amount is the target amount, so that the at least one second resource value-added product is further rapidly terminated within the specified time, and the purpose that the target account wants to obtain the resource of the target amount by terminating the resource value-added product higher than the first amount is achieved.

The amount and the number of the second resource value-added products transferred to the target account are determined according to the specified amount and the second amount, and generally, the amount of each second resource value-added product transferred to the target account is not more than the second amount. Specifically, if the designated quota is a and the second quota is b, if a can be divided by b, the number of the second resource value-added products transferred to the target account is at least a/b; if a cannot be divided exactly by b, the number of second resource value-added products transferred to the target account is at least: a/b rounded down plus 1. For example, if a is 100500 and b is 10000, the number of the second resource value-added products is at least 11(100500/10000 rounds down to 10, and 10 plus 1 equals 11), that is, when the second quota is 100500 and 10000, at least 11 different second resource value-added products need to be transferred to the target account.

It should be noted that the second resource value-added product represents any other resource value-added product except the first resource value-added product, but not a specific resource value-added product, for example, two second resource value-added products refer to two different resource value-added products, three second resource value-added products refer to three different resource value-added products, and so on.

And 106, terminating the increment of the at least one second resource value-added product of the appointed amount held by the target account within the appointed time.

In the appointed time, after at least one second resource value-added product is transferred to the target account, a request for rapidly terminating the value addition of the at least one second resource value-added product can be initiated immediately so as to help the target account further rapidly obtain the resource of the remaining amount (appointed amount) in the target amount, and finally the purpose of rapidly obtaining the resource of the target amount is achieved.

Specifically, step 106 may include the following sub-steps:

substep 1, transferring the resource with the specified quota from the specified account to the target account in the specified time.

In a specific implementation, the resource with the specified quota may be transferred from the specified account of the third-party resource value-added product management platform to the target account immediately after the step 105 is executed or within a short time (both within the specified time). That is, the third-party resource value-added product management platform pays the specified amount of resources to the target account immediately or in a short time, and the process can be called funding.

And a substep 2, sending a second termination request to at least one second server, wherein the second termination request is used for requesting termination of the value increase of the at least one second resource value-added product held by the target account, and the at least one second server is a server of an issuer corresponding to the at least one second resource value-added product.

The substep can be understood as a process of applying an issuer of the second resource value-added product to supplement the padded resources with the specified quota to the third-party resource value-added product management platform after the third-party resource value-added product management platform pads the resources for the target account, so that the circulation of the resources with the specified quota forms a closed loop.

And substep 3, after the appointed time, receiving the resources of the appointed quota returned by the at least one second server based on the second termination request, and transferring to the appointed account.

The sub-step can be understood as a process that the issuer of the second resource value-added product replenishes the padded resources with the specified quota to the third-party resource value-added product management platform, so that the circulation of the resources with the specified quota forms a closed loop.

It can be understood that, through step 106, the target account may be further assisted to accomplish the purpose of rapidly terminating the at least one second resource value-added product with the specified quota, so that the resource with the specified quota rapidly reaches the target account, and finally reaches the target quota that the target account wants to be rapidly terminated.

Step 107, after the designated time, terminating the increment of the first resource value-added product of the designated quota held by the target account, and transferring the resource of the designated quota obtained by termination to the designated account.

Because in step 105, in order to transfer the at least one second resource value-added product to the target account, the designated account of the third-party resource value-added product management platform transfers the resource with the designated quota to the developer account of the at least one second resource value-added product on behalf of the target account, which results in that the designated account lacks the resource with the designated quota, the circulation of the resource with the designated quota does not form a closed loop. In order to fill up the gap and make the resource with the specified quota flow to a completely closed loop, the third-party resource value-added product management platform needs to initiate a request for terminating the first resource value-added product with the specified quota held by the target account in a common termination manner through step 107, and transfer the resource with the specified quota obtained by termination to the specified account of the third-party resource value-added product management platform.

Specifically, step 107 may include the following sub-steps:

substep 1, sending a third termination request to the first server, wherein the third termination request is used for requesting to terminate the value increase of the first resource value-added product of the specified quota held by the target account, and the first server is a server of an issuer of the first resource value-added product.

Substep 2, receiving the resource of the specified quota returned by the first server based on the third termination request after the specification.

Substep 3, transferring the resource of the specified amount returned by the first server based on the third termination request to the specified account, wherein the third termination request is used for requesting to terminate the increment of the first resource increment product of the specified amount held by the target account.

It will be appreciated that step 107 may be considered as a normal termination of the first resource value added product compared to a fast termination of the first resource value added product in step 104 or a fast termination of the at least one second resource remediation product in step 106. The fast termination means that resources with corresponding quota are transferred to the target account in a mode of charging by a third-party resource value-added product management platform within a specified time (such as within T days), and the resources with corresponding quota are not transferred to the target account after settlement of an issuer of the resource value-added product. The so-called common termination refers to that after the issuer of the resource value-added product settles accounts (usually after a specified time, such as within T +1 day), resources with corresponding quota are transferred to the target account, and a third-party resource value-added product management platform is not required to fund the target account within the specified time.

It should be noted that, in the embodiment of the present specification, the execution order of step 104, step 105, and step 107 is not limited, and they may be executed simultaneously in parallel or in steps.

Step 109, terminating the increment of the first resource value-added product of the target amount held by the target account within the specified time.

And under the condition that the target limit does not exceed the maximum limit of the first resource value-added product, which can be terminated within the specified time, directly terminating according to a rapid termination mode.

The above steps 104 to 107 are explained below by way of an example.

Specifically, if the total amount of the first resource value-added product held by the target account is 20 ten thousand yuan, the first quota (the maximum quota by which the first resource value-added product can be finally stopped from being added within the specified time) and the second quota (the maximum quota by which the second resource value-added product can be finally stopped from being added within the specified time) are both 1 ten thousand yuan, and the target quota by which the target account is to be (quickly) stopped from being added within the specified time is 20 ten thousand yuan. Then, the third-party resource value-added product management platform may first, through step 104, quickly terminate the 1 ten thousand yuan of first resource value-added product, and immediately transfer the 1 ten thousand yuan to the target account; and immediately transferring 19 ten thousand yuan to the issuer account of 19 second resource value-added products from the designated account to transfer the 19 second resource value-added products with a total amount of 19 ten thousand yuan to the target account, via step 105; then, through step 106, rapidly terminating the value increment of the 19 first resource value-added products, and immediately transferring 19 ten thousand yuan to the target account, so as to meet the purpose that the target amount of the target account to be (rapidly) terminated with the value increment within the specified time is 20 ten thousand yuan; and finally, initiating the ordinary termination of the 19-ten-thousand-yuan first resource value-added product through the step 107, and transferring the 19-thousand-yuan obtained by the ordinary termination to a specified account of a third-party resource value-added product management platform after specified time, so that the resource transfer forms a closed loop.

It is understood that, compared with the related art in which the first resource value-added product of at most 1 ten thousand yuan can be terminated within the specified time, so as to obtain at most 1 ten thousand yuan, in the embodiment of the present specification, when the total amount (20 ten thousand) of the first resource value-added product held by the target account is greater than or equal to the target amount (20 ten thousand) to be terminated, except for rapidly terminating the first resource value-added product of 1 ten thousand yuan, the target account is skillfully charged with 19 ten thousand of other resource value-added products, and rapidly terminates the other resource value-added products charged with the charged contents after successful purchase is completed, so as to achieve the purpose of rapidly terminating 20 ten thousand within the specified time.

And step 308, ending.

In summary, according to the method for terminating value-added resource value-added products provided in the embodiment of the present specification, if the amount of the target account that the target account rapidly terminates the first resource value-added product within the specified time is greater than the terminable maximum amount, the requirement that the target account intends to terminate the resource with a higher amount (higher than the terminable maximum amount) is increased by means of designating the account fund to purchase at least one second resource value-added product in place of the target account and rapidly terminating the at least second resource value-added product within the specified time, so as to satisfy the desire of the client to use the resource with a higher amount, thereby increasing the user stickiness and the activity of the third-party resource value-added product management platform.

Optionally, as shown in fig. 2, before the step 105, specifically before the step 102, the method for terminating value-added of a resource value-added product provided in the embodiment of the present specification may further include:

step 110, obtaining the authority for transferring the at least one second resource value-added product to the target account from at least one second server, wherein the at least one second server is a server of an issuer corresponding to the at least one second resource value-added product.

Namely, the third-party resource value-added product management platform obtains the transaction authorities of a plurality of resource value-added products in advance (or signs a plurality of resource value-added products in advance) so that the target user can purchase the first resource value-added product through the target account; or, when the third-party resource value-added product management platform rapidly terminates the first resource value-added product of the target quota, the third-party resource value-added product management platform invests at least one second resource value-added product for the target quota so as to achieve the purpose of increasing the rapid quota termination.

Based on the same technical concept as the method for terminating the value addition of the resource value-added product provided by the embodiment of the present specification, as shown in fig. 3, the embodiment of the present specification further provides a method for terminating the value addition of the money fund, and it can be understood that one of the money fund real-time resource value-added products is provided.

As shown in fig. 3, a method for terminating the increment of the monetary fund provided by the embodiments of the present specification may include:

step 301, start.

Step 302, receiving a request for the target account to terminate the first monetary fund increment of the target amount. Wherein the target amount is not greater than the total amount of the first monetary fund held by the target account.

Step 303, determining whether the target amount is greater than a first amount, where the first amount is a maximum amount that the first money fund can terminate within a specified time. If so, step 304 is performed, otherwise step 309 is performed.

Step 304, terminating the increment of the first monetary fund of the first amount held by the target account within the specified time.

That is, within the specified time, the increment of the first monetary fund of the terminable maximum amount (first amount) is terminated. Specifically, step 304 may include the following sub-steps:

In a specific implementation, the first amount of resources may be transferred from the designated account of the third-party resource value-added product management platform to the target account immediately after the step 303 is executed or within a short time (both within the designated time). Namely, the third-party resource value-added product management platform pays the first amount of resources to the target account immediately or in a short time.

Substep 2, sending a first termination request to a first server, wherein the first termination request is used for requesting termination of the increment of the first money fund of the first amount held by the target account, and the first server is a server of an issuer of the first money fund.

The sub-step can be understood as a process that after the third-party resource value-added product management platform fills up resources for the target account, the issuer of the first currency fund applies for the third-party resource value-added product management platform to replenish the filled resources with the first quota, so that the circulation of the resources with the first quota forms a closed loop.

This sub-step may be understood as a process in which the issuer of the first monetary fund replenishes the underlying first amount of resources to the third party resource value-added product management platform, thereby causing the circulation of the first amount of resources to form a closed loop.

It will be appreciated that the target account may be assisted by step 104 by rapidly terminating the first amount of the first monetary fund to the target account. However, it is not enough to have the first amount of resources quickly reach the target account, and the target amount that the target account wants to terminate quickly is not reached. Therefore, the following step 305 and the following step 306 are further performed.

Step 305, transferring a specified amount of funds from a specified account to an issuer account of at least one second monetary fund to transfer the corresponding amount of the at least one second monetary fund to the target account within the specified time, wherein the amount of each second monetary fund transferred to the target account is not greater than a second amount, the second amount is a maximum amount at which the second monetary fund can be terminated to be added within the specified time, and the sum of the specified amount and the first amount is the target amount.

Step 306, terminating the increment of the at least one second monetary fund of the specified amount held by the target account within the specified time.

Within the appointed time, after the at least one second currency fund is transferred to the target account, a request for rapidly terminating the increment of the at least one second currency fund can be initiated immediately so as to help the target account further rapidly obtain the resources of the remaining amount (appointed amount) in the target amount, and finally achieve the purpose of rapidly obtaining the resources of the target amount.

Specifically, step 306 may include the following sub-steps:

And a substep 2 of sending a second termination request to at least one second server, wherein the second termination request is used for requesting termination of the increment of the at least one second currency fund held by the target account, and the at least one second server is a server of an issuer corresponding to the at least one second currency fund.

It will be appreciated that the target account may be further assisted by step 306 in completing the purpose of rapidly terminating the at least one second monetary fund in the specified amount, such that the funds in the specified amount reach the target account rapidly, and eventually reach the target amount that the target account wants to terminate rapidly.

Step 307, after the designated time, terminating the increment of the first money fund of the designated amount held by the target account, and transferring the funds of the designated amount obtained by termination to the designated account.

Because in step 305, the designated account of the third-party resource value-added product management platform transferred the designated amount of funds to the target account on behalf of the target account, which resulted in the designated account lacking the designated amount of funds, such that the flow of the designated amount of funds does not form a closed loop. In order to fill up the gap and make the flow of the funds with the specified amount completely closed, the third-party resource value-added product management platform needs to initiate a request for terminating the first currency fund with the specified amount held by the target account in a common termination manner through step 307, and transfer the resources with the specified amount obtained by termination to the specified account of the third-party resource value-added product management platform.

Specifically, step 307 may include the following sub-steps:

substep 1, sending a third termination request to the first server, the third termination request requesting termination of the increment of the first monetary fund of the specified amount held by the target account, the first server being a server of an issuer of the first monetary fund.

Substep 3, transferring the resource of the specified amount returned by the first server based on the third termination request to the specified account, wherein the third termination request is used for requesting to terminate the increment of the first currency fund of the specified amount held by the target account.

Step 309, within the specified time, terminating the increment of the first monetary fund of the target amount held by the target account.

And under the condition that the target value limit does not exceed the maximum value limit of the first resource value-added product, which can be terminated within the specified time, the target value limit is directly terminated in a quick termination mode, and the detailed description is omitted.

And step 308, ending.

In summary, according to the method for terminating the increment of the monetary fund provided in the embodiment of the present specification, if the amount of the target account that terminates the first monetary fund within the specified time is greater than the terminable maximum amount, the target account may purchase at least one second monetary fund in place of the target account by means of the specified account funding, and terminate the at least second monetary fund within the specified time, so as to increase the requirement that the target account intends to terminate funds with a higher amount (higher than the terminable maximum amount), so as to satisfy the desire of the customer that the customer needs to use the funds with a higher amount urgently, thereby increasing the user stickiness and the activity of the third-party resource value-added product management platform.

Corresponding to the above method embodiment, the present specification further provides a device for terminating the value-added of the resource value-added product, which is described below.

As shown in fig. 4, an apparatus for terminating value-added of a resource value-added product provided in an embodiment of the present specification may include: a first receiving module 402, a first judging module 403, a first product terminating module 404, a resource transferring module 405, a second product terminating module 406, a third product terminating module 407, and a fourth product terminating module 409.

A first receiving module 402, configured to receive a request for terminating value-added of a first resource value-added product of a target amount from a target account, where the target amount is not greater than a total amount of the first resource value-added product held by the target account.

The first determining module 403 is configured to determine whether the target quota is greater than a first quota, where the first quota is a maximum quota that the first resource value-added product can terminate within a specified time. If so, the first product termination module 404 is triggered, otherwise the fourth product termination module 409 is triggered.

That is, when the target amount is greater than a first amount and not greater than the total amount of the first resource value-added product held by the target account, the first product termination module 404 is triggered, wherein the first amount is the maximum amount of the first resource value-added product that can be terminated within a specified time.

A first product termination module 404, configured to terminate the increment of the first resource value-added product of the first quota held by the target account within the specified time.

Specifically, the first product termination module 404 may be configured to:

transferring the resource of the first quota from the designated account of the third-party resource value-added product management platform to the target account within the designated time;

sending a first termination request to a first server, wherein the first termination request is used for requesting termination of the increment of the first resource value-added product of the first quota held by the target account, and the first server is a server of an issuer of the first resource value-added product;

and after the specified time, receiving the resources of the first quota returned by the first server based on the first termination request, and transferring to the specified account.

The resource transfer module 405 is configured to transfer a resource with a specified quota from a specified account to an issuer account of at least one second resource value-added product, so as to transfer the at least one second resource value-added product with a corresponding quota to the target account within the specified time, where a quota of each second resource value-added product transferred to the target account is not greater than a second quota, the second quota is a maximum quota by which the second resource value-added product can terminate value-added within the specified time, and a sum of the specified quota and the first quota is the target quota.

A second product termination module 406, configured to terminate the increment of the at least one second resource value-added product of the specified quota held by the target account within the specified time.

In particular, the second product termination module 406 may be configured to:

transferring the resource of the specified amount from the specified account to the target account within the specified time;

sending a second termination request to at least one second server, wherein the second termination request is used for requesting termination of the value increase of the at least one second resource value-added product held by the target account, and the at least one second server is a server of an issuer corresponding to the at least one second resource value-added product;

and after the specified time, receiving the resources of the specified quota returned by the at least one second server based on the second termination request, and transferring to the specified account.

A third product terminating module 407, configured to terminate, after the specified time, the increment of the first resource value-added product of the specified credit held by the target account, and transfer the resource of the specified credit obtained by the termination to the specified account.

Specifically, the third product termination module 407 may be configured to:

sending a third termination request to the first server, wherein the third termination request is used for requesting termination of the increment of the first resource value-added product of the specified quota held by the target account, and the first server is a server of an issuer of the first resource value-added product;

receiving the resources of the specified quota returned by the first server based on the third termination request after the specification;

transferring the resources of the specified amount returned by the first server based on the third termination request to the specified account, wherein the third termination request is used for requesting to terminate the increment of the first resource increment products of the specified amount held by the target account.

A fourth product termination module 409, configured to terminate, within the specified time, the increment of the first resource value-added product of the target amount held by the target account.

In the device for terminating the value-added of the resource value-added product provided in the embodiment of the present specification, if the amount of the target account that rapidly terminates the first resource value-added product within the specified time is greater than the terminable maximum amount, the target account may purchase at least one second resource value-added product in place of the target account by specifying the account funding, and rapidly terminate the at least second resource value-added product within the specified time, so as to improve the requirement that the target account intends to terminate the resource with a higher amount (higher than the terminable maximum amount), so as to satisfy the desire of the customer that the customer urgently needs to use the resource with a higher amount, thereby improving the user stickiness and the activity of the third-party resource value-added product management platform.

Optionally, as shown in fig. 5, the terminating of the value-added resource product provided in the embodiment of the present specification may further include:

an authority obtaining module 410, configured to obtain, before triggering the resource transferring module 405, an authority to transfer the at least one second resource value-added product to the target account from at least one second server, where the at least one second server is a server of an issuer corresponding to the at least one second resource value-added product.

As shown in fig. 6, an apparatus for terminating the increment of money funds provided by the embodiments of the present specification may include: a second receiving module 602, a second determining module 603, a first fund termination module 604, a funds transfer module 605, a second fund termination module 606, a third fund termination module 607, and a fourth fund termination module 609.

The second receiving module 602 is configured to receive a request for terminating the first monetary fund increment of the target amount from the target account. Wherein the target amount is not greater than the total amount of the first monetary fund held by the target account.

The second determining module 603 is configured to determine whether the target amount is greater than a first amount, where the first amount is a maximum amount that the first money fund can stop within a specified time. If so, a first fund termination module 604 is triggered, otherwise a fourth fund termination module 609 is triggered.

A first fund termination module 604, configured to terminate the increment of the first monetary fund of the first amount held by the target account within the specified time.

In particular, the first fund termination module 604 may be configured to:

sending a first termination request to a first server, wherein the first termination request requests termination of the increment of the first monetary fund by the first amount held by the target account, and the first server is a server of an issuer of the first monetary fund;

A fund transfer module 605, configured to transfer a specified amount of funds from a specified account to an issuer account of at least one second monetary fund to transfer the corresponding amount of the at least one second monetary fund to the target account within the specified time, where an amount of each of the second monetary funds transferred to the target account is not greater than a second amount, the second amount is a maximum amount by which the second monetary fund can be terminated to be added within the specified time, and a sum of the specified amount and the first amount is the target amount.

A second fund termination module 606 for terminating the increment of the at least one second monetary fund of the specified amount held by the target account within the specified time.

Specifically, the second fund termination module 606 may be configured to:

sending a second termination request to at least one second server, wherein the second termination request is used for requesting termination of increment of the at least one second currency fund held by the target account, and the at least one second server is a server of an issuer corresponding to the at least one second currency fund;

A third fund terminating module 607, configured to terminate the increment of the first monetary fund of the specified amount held by the target account after the specified time, and transfer the funds of the specified amount obtained by the termination to the specified account.

Specifically, the third fund termination module 607 may be configured to:

sending a third termination request to the first server, the third termination request requesting termination of the increment of the first monetary fund of the specified amount held by the target account, the first server being a server of an issuer of the first monetary fund;

transferring the resources of the specified amount returned by the first server based on the third termination request to the specified account, wherein the third termination request is used for requesting to terminate the increment of the first currency fund of the specified amount held by the target account.

A fourth fund termination module 609, configured to terminate the increment of the first monetary fund of the target amount held by the target account within the specified time.

In the termination of the increase of the value of the money fund provided in the embodiment of the present specification, if the amount of the first money fund that the target account rapidly terminates within the specified time is greater than the terminable maximum amount, the target account may purchase at least one second money fund on behalf of the target account by specifying the account funding, and rapidly terminate the at least one second money fund within the specified time, so as to increase the requirement that the target account intends to terminate funds with a higher amount (higher than the terminable maximum amount) to satisfy the desire of the customer that the customer urgently needs to use the funds with a higher amount, thereby increasing the user stickiness and the activity of the third-party resource value-added product management platform.

It should be noted that, since the device embodiments are executed in a manner similar to the method embodiments, the device embodiments are described in a simplified manner, and reference is made to the method embodiments for relevant points.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification. Referring to fig. 7, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 7, but this does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory to the memory and then runs the computer program to form a device for terminating the value increment of the resource value-added product on the logic level. The processor executes the program stored in the memory and is specifically used for executing the method for terminating the value addition of the resource value-added product provided by the embodiment of the specification.

The method executed by the device for terminating the value-added resource product according to the embodiment shown in fig. 7 of the present application may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The present specification also proposes a computer-readable storage medium storing one or more programs, where the one or more programs include instructions, which, when executed by an electronic device including a plurality of application programs, enable the electronic device to perform the method performed by the apparatus for terminating value-added product of the embodiment shown in fig. 7, and in particular to perform the method for terminating value-added product of a resource provided by the present specification.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It should be noted that all the embodiments in the present application are described in a related manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for terminating value-added of a resource value-added product, the method comprising:

after the appointed time, terminating the increment of the first resource value-added product of the appointed amount held by the target account, and transferring the resource of the appointed amount obtained by termination to the appointed account;

wherein,

the terminating the increment of the first resource value-added product of the first amount held by the target account within the specified time comprises the following steps:

2. The method of claim 1,

the step of terminating the increment of the at least one second resource value-added product of the specified quota held by the target account within the specified time comprises the following steps:

3. The method of claim 1,

after the specified time, terminating the increment of the first resource value-added product of the specified limit held by the target account, and transferring the resource of the specified limit obtained by termination to the specified account, wherein the steps of:

sending a third termination request to a first server, wherein the third termination request is used for requesting termination of the increment of the first resource value-added product of the specified quota held by the target account, and the first server is a server of an issuer of the first resource value-added product;

receiving the resource of the specified quota returned by the first server based on the third termination request after the specified time;

4. The method according to any one of claims 1 to 3,

before the transferring the specified amount of the resource from the specified account to the issuer account of the at least one second resource value-added product, the method further comprises:

and acquiring the authority for transferring the at least one second resource value-added product to the target account from at least one second server, wherein the at least one second server is a server of an issuer corresponding to the at least one second resource value-added product.

5. A method of terminating the appreciation of a monetary fund, the method comprising:

after the designated time, terminating the increment of the first currency fund of the designated amount held by the target account, and transferring the funds of the designated amount obtained by termination to the designated account;

wherein the terminating the accrual of the first monetary fund in the first amount held by the target account within the specified time comprises:

6. An apparatus for terminating value-added of a resource value-added product, the apparatus comprising:

a third product termination module, configured to terminate, after the specified time, the incremental value of the first resource incremental product of the specified credit held by the target account, and transfer the resource of the specified credit obtained by the termination to the specified account;

wherein the first product termination module is to:

7. An apparatus for terminating the appreciation of monetary funds, said apparatus comprising:

a third fund termination module, configured to terminate the increment of the first monetary fund of the specified amount held by the target account after the specified time, and transfer the funds of the specified amount obtained by the termination to the specified account;

wherein the first fund termination module is to:

8. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, which computer program, when executed by the processor, carries out the steps of the method according to any one of claims 1 to 5.

9. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 5.