CN109389488A - Based on resource transfers method, system and the electronic equipment dynamically pledged - Google Patents
Based on resource transfers method, system and the electronic equipment dynamically pledged Download PDFInfo
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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Abstract
The embodiment of the present application discloses a kind of based on resource transfers method, system and the electronic equipment dynamically pledged, this method comprises: receiving resource produces request, the resource produces request and at least partly pledges resource for requesting the target for producing user to be pledged in resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce the resource accrediting amount；The available accrediting amount and the size relation for producing the resource accrediting amount based on the user execute processing mode corresponding with the size relation to the resource of at least partly pledging.
Description
Technical field
This application involves financial fields more particularly to a kind of based on resource transfers method, system and the electronics dynamically pledged
Equipment.
Background technique
In loan, debtor generally requires mortgage cargo, obtains corresponding credit according to the valuation of cargo, which is
The amount of money that debtor can take away, credit are related to the mortgage valuation of cargo.
During above-mentioned loan, cargo is then mortgage article before debtor refunds once mortgaging, debtor without
Method sells the mortgage article, thus cause mortgage commodity hold up in credits manpower, cause cargo overstock, cargo call it is ineffective
Situation living.
Therefore, demand is a kind of flexibly pledges method to solve the above problems.
Summary of the invention
The purpose of the embodiment of the present application is to provide a kind of to be set based on resource transfers method, system and the electronics dynamically pledged
It is standby, caused cargo in credits manpower, which is trapped in, solving the problems, such as to mortgage article in the prior art calls flexibility poor.
In order to solve the above technical problems, the embodiment of the present application is achieved in that
In a first aspect, propose it is a kind of based on the resource transfers method dynamically pledged, this method comprises:
It receives resource and produces request, the resource produces request for requesting the target for producing user to be pledged in resource extremely
Small part pledges resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce resource credit volume
Degree；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least
It pledges resource and executes processing mode corresponding with the size relation in part.
Second aspect proposes a kind of based on the resource transfers system dynamically pledged, comprising:
Receiving module receives resource and produces request, and the resource produces request for requesting the target for producing user to be pledged
Resource is at least partly pledged in resource, the resource, which produces, carries the quantity at least partly pledging resource in request；
Obtain module, produce request in response to the resource, obtain described at least partly pledge that resource is corresponding to produce money
The source accrediting amount；
Execution module, the available accrediting amount and the size relation for producing the resource accrediting amount based on the user,
Processing mode corresponding with the size relation is executed to the resource of at least partly pledging.
The third aspect proposes a kind of electronic equipment, which includes:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed
It manages device and executes following operation:
It receives resource and produces request, the resource produces request for requesting the target for producing user to be pledged in resource extremely
Small part pledges resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce resource credit volume
Degree；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least
It pledges resource and executes processing mode corresponding with the size relation in part.
Fourth aspect proposes a kind of computer readable storage medium, the computer-readable recording medium storage one
Or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that the electricity
Sub- equipment executes following operation:
It receives resource and produces request, the resource produces request for requesting the target for producing user to be pledged in resource extremely
Small part pledges resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce resource credit volume
Degree；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least
It pledges resource and executes processing mode corresponding with the size relation in part.
As can be seen from the technical scheme provided by the above embodiments of the present application, the embodiment of the present application scheme at least has following one kind
Technical effect:
By based on resource of pledging to be produced, obtain it is corresponding produces the accrediting amount, and based on produce the accrediting amount with
The relationship of the available accrediting amount of user executes corresponding operation, it is thus possible to which user is setup flexibly pledges resource, avoids
It pledges resource to hold up in credits manpower, so as to improve the resource rate flow of user.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property
Under, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is that the prior art sells the schematic diagram of a scenario for pledging article；
Fig. 2 is that the embodiment of the present application sells the schematic diagram of a scenario for pledging article；
Fig. 3 is one of the schematic flow chart based on the resource transfers method dynamically pledged of the application one embodiment；
Fig. 4 is the two of the schematic flow chart based on the resource transfers method dynamically pledged of the application one embodiment；
Fig. 5 is the three of the schematic flow chart based on the resource transfers method dynamically pledged of the application one embodiment；
Fig. 6 is the structural schematic diagram of one embodiment electronic equipment of the application.
Fig. 7 is the structural schematic diagram based on the resource transfers system dynamically pledged of one embodiment of the application.
Specific embodiment
In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality
The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation
Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common
The application protection all should belong in technical staff's every other embodiment obtained without creative efforts
Range.
Fig. 1 is that the prior art sells the schematic diagram of a scenario for pledging article.As shown in Figure 1, buyer A prepares to buy to seller C
Article B pledged in the system of pledging by seller C.When buyer A requests purchase article B to seller C, seller C is needed first
Article B is redeemed from mechanism D is pledged, then article B could be sold to buyer A.In this way, the article B pledged will pass through one
Operation is redeemed, can just circulate link, and item circulation efficiency is poor.
Fig. 2 is that the embodiment of the present application sells the schematic diagram of a scenario for pledging article.As shown in Fig. 2, buyer A prepares to seller C
The article B of purchase is also pledged in the system of pledging by seller C.The scheme of the application, it is desirable to be able to be requested in buyer A to seller C
Buy article B when, seller C only need to pledge system D transmission produce request, directly produce article B to user by pledging system D
A, to accelerate the item circulation efficiency of seller C.
In order to realize that circulation style shown in Fig. 2, the embodiment of the present application provide a kind of based on the resource dynamically pledged turn
Shifting method, system and electronic equipment.
Fig. 3 is the schematic flow chart based on the resource transfers method dynamically pledged of one embodiment of the application.Fig. 3
Method can be by being executed based on the resource transfers system dynamically pledged.The system can include but is not limited to bank, network branch
The system of paying etc..This method can include:
S310: it receives resource and produces request.
Wherein, which produces request and at least partly pledges money for requesting the target for producing user to be pledged in resource
Source, the resource produce in request and carry the quantity at least partly pledging resource.
It should be understood that carrying this by being produced in request in the resource in the embodiment of the present application and at least partly pledging resource
Quantity can indicate to need to produce how much pledge resource.The quantity can be the numerical value of a specific measurement unit, be also possible to
One ratio.For example, it is assumed that user pledges 1000 casees pens, need to produce 100 casees, then the quantity can be 100 casees, can also be with
It is 10% (pledge sum 10%).
It should be understood, of course, that the resource, which produces in request, may also include the mark for pledging resource.Optionally, for example, the matter
The mark for giving as security resource can be indicated using the mark of pledging distributed when pledging the resource；Alternatively, the mark for pledging resource can also
To indicate (the case where only one pledges resource suitable for user) using the mark of user；Alternatively, this pledges the mark of resource
Can using user mark+pledge the joint of category identities described in resource and indicate that (there are multiple resources of pledging suitable for user
Situation), etc..
Furthermore, it is to be understood that the resource, which produces request, can also carry the object information that resource produces.When based on dynamically pledging
When the confirmation of resource transfers system can produce resource, the reception object information produced by resource, it is right to produce resource
The recipient answered.
S320: producing request in response to the resource, obtains this and at least partly pledges that resource is corresponding to produce resource credit volume
Degree.
In the embodiment of the present application, request can be produced based on the resource, obtain the corresponding accrediting amount of the resource produced.
Optionally, pledge the corresponding accrediting amount of resource, can by pledge resource assessment unit price, quality resource quantity and
The credit discount factor for pledging resource determines.
For example, it is assumed that it is 10000 yuan that user, which pledges every case pen assessment valence in 1000 casees pens, credit discount factor is
60%, then the corresponding accrediting amount of 100 casees pens produced is ten thousand yuan of 10000*100*60%=60.
In addition, above-mentioned discount factor can be the discount system that the quality state etc. for pledging resource based on user determines
Number.For example, the mobile phone pledged of user if it is completely new, then discount factor is 1；If it is the second-hand hand by recycling or maintenance
Machine, then discount factor can be 0.8；If hardware device is had damage, such as splits screen, battery loss etc., then discount factor can be with
It is 0.6；Etc..According to the various aspects quality state for pledging resource, can preset corresponding with resource discount factor is pledged
Value.
Certainly, in some embodiments, pledging the corresponding accrediting amount of resource can be by pledging the assessment total price and matter of resource
The credit discount factor for giving as security resource determines.
Certainly, it is only listed before in the attribute for pledge resource for calculating the part attribute of total accrediting amount.This Shen
Please embodiment the case where being not excluded for using other attributes to calculate the accrediting amount, the embodiment of the present application to this with no restriction.For example,
The corresponding accrediting amount of resource is pledged, can also be determined by various factors such as the place of production of product, date of manufacture, quality；Example again
Such as, pledging the corresponding accrediting amount of resource can also determine according to the available mode for pledging resource.Wherein, available mode can for 0
To represent this, to pledge resource unavailable, and available mode is that 1 can represent this to pledge resource available.Under normal circumstances, available mode
When being 0, the accrediting amount is lower, in some instances it may even be possible to be 0.
S330: the available accrediting amount based on the user produces the size relation of the resource accrediting amount with this, at least to this
It pledges resource and executes processing mode corresponding with the size relation in part.
In the embodiment of the present application, by the way that based on resource of pledging to be produced, acquisition is corresponding to produce the accrediting amount, and is based on
The relationship of the accrediting amount and the available accrediting amount of user is produced, executes corresponding operation, it is thus possible to user be setup flexibly
Pledge resource, avoid pledging resource and hold up in credits manpower, so as to improve the resource rate flow of user.
Fig. 4 is a kind of another schematic flow based on the resource transfers method dynamically pledged of one embodiment of the application
Figure.
Optionally, before above-mentioned steps S330, this method may also include that
S322, obtains that the target pledges total accrediting amount of resource and the user has propped up in total accrediting amount
The accrediting amount.
S326, the accrediting amount drawn in total accrediting amount based on the user and total accrediting amount are true
The accrediting amount can be used described in fixed.
Wherein, described can be after total accrediting amount deducts the accrediting amount that the user has drawn with the accrediting amount
The remaining accrediting amount.
For example, it is assumed that it is ten thousand yuan of 10000*1000*60%=600 that user, which pledges the corresponding accrediting amount of 1000 casees pens,
The accrediting amount that user has drawn in 6,000,000 yuan of the accrediting amount is 2,000,000 yuan, then the available accrediting amount at this time is
6000000 yuan -200 ten thousand yuan=4,000,000 yuan.
In the embodiment of the present application, the corresponding available accrediting amount of resource can be pledged based on target and current desired produces money
The source accrediting amount executes corresponding processing mode.
Fig. 5 is a kind of another schematic flow based on the resource transfers method dynamically pledged of one embodiment of the application
Figure.
Optionally, before above-mentioned steps S330, this method may also include that
S324, the credit that the total accrediting amount and the user for obtaining the user have been drawn in total accrediting amount
Amount.
S326, the accrediting amount drawn in total accrediting amount based on the user and total accrediting amount are true
The accrediting amount can be used described in fixed.
Wherein, described can be after total accrediting amount deducts the accrediting amount that the user has drawn with the accrediting amount
The remaining accrediting amount.
For example, it is assumed that user pledges 6,000,000 yuan of the corresponding accrediting amount of 1000 casees pens, 10000 casees stationery have also been pledged
Box, the corresponding accrediting amount are 5,000,000.The total accrediting amount drawn of user is 2,000,000 yuan, then available credit volume at this time
Degree is 6,000,000 yuan+500 ten thousand -200 ten thousand yuan=9,000,000 yuan.
In the embodiment of the present application, based on the total available accrediting amount of user and current desired resource credit volume can be produced
Degree, executes corresponding processing mode.
It should be understood, of course, that total accrediting amount of user, composition can be it is diversified, such as, it may include it is following a kind of
Or a variety of combination:
The corresponding accrediting amount of the resource that user pledges, the corresponding accrediting amount of the credit of user, the transaction journal of user
The corresponding accrediting amount, the corresponding accrediting amount of the guarantee of his artificial user, corresponding accrediting amount of the order of user, etc..
It should be understood that the available accrediting amount based on the user produces the big of the resource accrediting amount with this in step S330
The difference of small relationship, resource is at least partly pledged to this can different processing modes.
Optionally, as one embodiment, above-mentioned steps S330 specifically be can be achieved are as follows:
If it is described can be greater than or equal to the accrediting amount it is described produce the resource accrediting amount, directly produce it is described at least
Pledge resource in part.
For example, it is assumed that it is 6,000,000 yuan that user, which pledges 1000 casees pens corresponding accrediting amounts, user is at this 6,000,000 yuan
The accrediting amount drawn in the accrediting amount is 2,000,000 yuan, and the corresponding accrediting amount of 100 casees pens for needing to produce is 600,000
Member.Since 600,000 yuan are less than available 4,000,000 yuan of the accrediting amount, the resource transfers system of the embodiment of the present application can directly be transferred out of this
100 casees pens.
Optionally, as another embodiment, above-mentioned steps S330 specifically be can be achieved are as follows:
If described can produce the resource accrediting amount less than described with the accrediting amount, refusal produces at least partly matter
Give as security resource.
For example, it is assumed that it is 6,000,000 yuan that user, which pledges 1000 casees pens corresponding accrediting amounts, user is at this 6,000,000 yuan
The accrediting amount drawn in the accrediting amount is 2,000,000 yuan, and the corresponding accrediting amount of 700 casees pens for needing to produce is 4,200,000
Member.Since 4,200,000 yuan are greater than available 4,000,000 yuan of the accrediting amount, the resource transfers system of the embodiment of the present application, which is rejected by, to be transferred out of
700 casees pens.
Optionally, as further embodiment, above-mentioned steps S330 specifically be can be achieved are as follows:
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, directly producing described can use credit volume
The maximum that spending allows to produce pledges resource.
For example, it is assumed that it is 6,000,000 yuan that user, which pledges 1000 casees pens corresponding accrediting amounts, user is at this 6,000,000 yuan
The accrediting amount drawn in the accrediting amount is 3,000,000 yuan, and the corresponding accrediting amount of 700 casees pens for needing to produce is 4,200,000
Member.It is greater than available 3,000,000 yuan of the accrediting amount due to 4,200,000 yuan, the resource transfers system of the embodiment of the present application allows to produce can
With 3,000,000 yuan of the accrediting amount corresponding 500 casees pens.
Optionally, as further embodiment, above-mentioned steps S330 specifically be can be achieved are as follows:
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, and it is described with the accrediting amount with it is described
The difference volume of the resource accrediting amount is produced lower than the first default accrediting amount, then the difference is deducted to the account of the user
Volume；
If withholing success, produces the target and pledge the target of stock number and pledge resource, alternatively, if withholing
Failure reminds user's supplement to pledge resource or refund.
For example, it is assumed that it is 6,000,000 yuan that user, which pledges 1000 casees pens corresponding accrediting amounts, user is at this 6,000,000 yuan
The accrediting amount drawn in the accrediting amount is 2,000,000 yuan, and the corresponding accrediting amount of 700 casees pens for needing to produce is 4,200,000
Member, and assume that the first default accrediting amount is 500,000, the difference without departing from the first default accrediting amount can be directly from user's
It is deducted in account.Since 4,200,000 yuan greater than available 4,000,000 yuan of the accrediting amount, but 200,000 yuan exceeded are less than the first default credit
Amount is 500,000, and the resource transfers system of the embodiment of the present application directly can deduct 200,000 yuan from the account of user, and withhold into
700 casees pens are produced when function, remind user to supplement collateral security or refund when withholing failure.
Optionally, after step S330, this method may also include that
According to the target pledge resource execution produce operation after it is remaining pledge resource, update the available of the user and award
Believe amount and/or total accrediting amount.
For example, it is assumed that it is 6,000,000 yuan that user, which pledges 1000 casees pens corresponding accrediting amounts, user is at this 6,000,000 yuan
The accrediting amount drawn in the accrediting amount is 2,000,000 yuan, and the corresponding accrediting amount of 500 casees pens for needing to produce is 3,000,000
Member, the total accrediting amount for the pen pledged after producing are 3,000,000 yuan, can be 1,000,000 yuan with the accrediting amount.
Optionally, after step S330, this method may also include that
If at least partly pledging the available accrediting amount of the user after resource described in producing lower than the second default credit
Amount then reminds user's supplement to pledge resource or refund.
For example, it is assumed that it is 6,000,000 yuan that user, which pledges 1000 casees pens corresponding accrediting amounts, user is at this 6,000,000 yuan
The accrediting amount drawn in the accrediting amount is 2,000,000 yuan, and the corresponding accrediting amount of 600 casees pens for needing to produce is 3,600,000
Member, the second default accrediting amount are that the prompting limit of the available accrediting amount is 1,000,000 yuan.Due to that can be used after producing 600 casees pens
The accrediting amount is 400,000 yuan, less than 1,000,000 yuan.At this point, can remind user that supplement pledges resource or refund.
Fig. 2~Fig. 5 is combined to be described in detail according to the embodiment of the present application based on the resource transfers side dynamically pledged above
Method.
Below in conjunction with attached drawing detailed description according to the electronic equipment of the embodiment of the present application.With reference to Fig. 6, in hardware view,
Electronic equipment includes processor, optionally, including internal bus, network interface, memory.Wherein, memory may be comprising interior
It deposits, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-volatile memories
Device (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, which is also possible that other
Hardware required for business.
Processor, network interface and memory can be connected with each other by internal bus, which can be industry
Standard architecture (Industry Standard Architecture, ISA) bus, Peripheral Component Interconnect standard
(Peripheral Component Interconnect, PCI) bus or expanding the industrial standard structure (Extended
Industry Standard Architecture, EISA) bus etc..The bus can be divided into address bus, data/address bus,
Control bus etc..Only to be indicated with a four-headed arrow in Fig. 6, it is not intended that an only bus or one kind convenient for indicating
The bus of type.
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer
It is formed on face based on the resource transfers system dynamically pledged.Processor executes the program that memory is stored, and is specifically used for holding
The following operation of row:
It receives resource and produces request, the resource produces request for requesting the target for producing user to be pledged in resource extremely
Small part pledges resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce resource credit volume
Degree；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least
It pledges resource and executes processing mode corresponding with the size relation in part.
The above-mentioned side executed based on the resource transfers system dynamically pledged as disclosed in the application Fig. 3-embodiment illustrated in fig. 5
Method can be applied in processor, or be realized by processor.Processor may be a kind of IC chip, with signal
Processing capacity.During realization, each step of the above method can by the integrated logic circuit of the hardware in processor or
The instruction of person's software form is completed.Above-mentioned processor can be general processor, including central processing unit (Central
Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be Digital Signal Processing
Device (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated
Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other can
Programmed logic device, discrete gate or transistor logic, discrete hardware components.It may be implemented or execute the application implementation
Disclosed each method, step and logic diagram in example.General processor can be microprocessor or the processor can also be with
It is any conventional processor etc..The step of method in conjunction with disclosed in the embodiment of the present application, can be embodied directly in hardware decoding
Processor executes completion, or in decoding processor hardware and software module combination execute completion.Software module can position
In random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable programmable memory, register
In the storage medium of equal this fields maturation.The storage medium is located at memory, and processor reads the information in memory, in conjunction with it
Hardware completes the step of above method.
Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of the application, for example patrol
Collect device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each patrol
Unit is collected, hardware or logical device are also possible to.
The embodiment of the present application also proposed a kind of computer readable storage medium, the computer-readable recording medium storage one
A or multiple programs, the one or more program include instruction, which holds when by the electronic equipment including multiple application programs
When row, the electronic equipment can be made to execute Fig. 3~embodiment illustrated in fig. 5 method, and be specifically used for executing following methods:
It receives resource and produces request, the resource produces request for requesting the target for producing user to be pledged in resource extremely
Small part pledges resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce resource credit volume
Degree；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least
It pledges resource and executes processing mode corresponding with the size relation in part.
Fig. 7 is the structural schematic diagram based on the resource transfers system 700 dynamically pledged of one embodiment of the application.?
In a kind of Software Implementation, system 700 can include: receiving module 710 obtains module 720, execution module 730, wherein
Receiving module 710 receives resource and produces request, and the resource produces the target matter that request is used to request to produce user
It gives as security in resource and at least partly pledges resource, the resource, which produces, carries the quantity at least partly pledging resource in request；
Obtain module 720, produce request in response to the resource, obtain described at least partly pledge that resource is corresponding to be produced
The resource accrediting amount；
Execution module 730, the available accrediting amount and the size for producing the resource accrediting amount based on the user are closed
System executes processing mode corresponding with the size relation to the resource of at least partly pledging.
Optionally, as one embodiment, system 700 may also include determining that module 740.
In a kind of implementation of the present embodiment, module 720 is obtained, total credit that the target pledges resource is also obtained
The accrediting amount that amount and the user have drawn in total accrediting amount；
Determining module 740, the accrediting amount drawn in total accrediting amount based on the user and described is always awarded
Believe that amount can use the accrediting amount described in determining, described can be that total accrediting amount deduction user has drawn with the accrediting amount
The accrediting amount after the remaining accrediting amount.
In another implementation of the present embodiment, obtain module 720, also obtain the user total accrediting amount and
The accrediting amount that the user has drawn in total accrediting amount；
Determining module 740, the accrediting amount drawn in total accrediting amount based on the user and described is always awarded
Believe that amount can use the accrediting amount described in determining, described can be that total accrediting amount deduction user has drawn with the accrediting amount
The accrediting amount after the remaining accrediting amount.
Optionally, as one embodiment, execution module 730 is specifically used for:
If it is described can be greater than or equal to the accrediting amount it is described produce the resource accrediting amount, directly produce it is described at least
Pledge resource in part.
Optionally, as another embodiment, execution module 730 is specifically used for:
If described can produce the resource accrediting amount less than described with the accrediting amount, refusal produces at least partly matter
Give as security resource.
Optionally, as further embodiment, execution module 730 is specifically used for:
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, directly producing described can use credit volume
The maximum that spending allows to produce pledges resource.
Optionally, as further embodiment, execution module 730 is specifically used for:
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, and it is described with the accrediting amount with it is described
The difference volume of the resource accrediting amount is produced lower than the first default accrediting amount, then the difference is deducted to the account of the user
Volume；
If withholing success, produces the target and pledge the target of stock number and pledge resource, alternatively, if withholing
Failure reminds user's supplement to pledge resource or refund.
Optionally, system 700 may also include update module 750, according to the target pledge resource execution produce operation after
It is remaining to pledge resource, update the available accrediting amount and/or total accrediting amount of the user.
Optionally, system 700 may also include reminding module 760, if produced described in described at least partly pledge after resource
The available accrediting amount of user is lower than the second default accrediting amount, then user's supplement is reminded to pledge resource or refund.
Optionally, the resource produces request and also carries the reception object information that resource produces.
The specific implementation of system 700 can refer to Fig. 3-5 illustrated embodiment, repeat no more.
The foregoing is merely the preferred embodiments of the application, are not intended to limit the protection scope of the application.It is all
Within spirit herein and principle, any modification, equivalent replacement, improvement and so on should be included in the protection of the application
Within the scope of.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
Claims (12)
1. a kind of based on the resource transfers method dynamically pledged, comprising:
It receives resource and produces request, the resource produces request for requesting the target for producing user to pledge at least portion in resource
Sub-prime gives as security resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce the resource accrediting amount；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least partly
It pledges resource and executes processing mode corresponding with the size relation.
2. the method as described in claim 1,
Before the available accrediting amount and the size relation for producing the resource accrediting amount based on the user, further includes:
Obtain the credit that the target pledges total accrediting amount of resource and the user has drawn in total accrediting amount
Amount；
It can described in the accrediting amount and total accrediting amount drawn in total accrediting amount based on the user are determining
With the accrediting amount, described can be to remain after total accrediting amount deducts the accrediting amount that the user has drawn with the accrediting amount
The remaining accrediting amount.
3. the method as described in claim 1,
Before the available accrediting amount and the size relation for producing the resource accrediting amount based on the user, further includes:
The accrediting amount that the total accrediting amount and the user for obtaining the user have been drawn in total accrediting amount；
It can described in the accrediting amount and total accrediting amount drawn in total accrediting amount based on the user are determining
With the accrediting amount, described can be to remain after total accrediting amount deducts the accrediting amount that the user has drawn with the accrediting amount
The remaining accrediting amount.
4. the method as described in claim 1,
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least partly
It pledges resource and executes processing mode corresponding with the size relation, comprising:
If it is described can be greater than or equal to the accrediting amount it is described produce the resource accrediting amount, directly produce it is described at least partly
Pledge resource.
5. the method as described in claim 1,
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least partly
It pledges resource and executes processing mode corresponding with the size relation, comprising:
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, refusal, which produces, described at least partly pledges money
Source；Or
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, directly produce described can be permitted with the accrediting amount
The maximum for being permitted to produce pledges resource.
6. the method as described in claim 1,
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least partly
It pledges resource and executes processing mode corresponding with the size relation, comprising:
If it is described can be less than with the accrediting amount it is described produce the resource accrediting amount, and described can be produced with the accrediting amount with described
The difference volume of the resource accrediting amount is lower than the first default accrediting amount, then deducts the difference volume to the account of the user；
If withholing success, produces the target and pledge the target of stock number and pledge resource, alternatively, if withholing mistake
It loses, user's supplement is reminded to pledge resource or refund.
7. producing money with described in the available accrediting amount based on the user such as the described in any item methods of claim 4-6
The size relation of the source accrediting amount executes processing mode corresponding with the size relation to the resource of at least partly pledging
Later, further includes:
According to the target pledge resource execution produce operation after it is remaining pledge resource, update the available credit volume of the user
Degree and/or total accrediting amount.
8. the method for claim 7, producing resource credit volume with described in the available accrediting amount based on the user
The size relation of degree is at least partly pledged after resource executes corresponding with size relation processing mode to described, and also
Include:
If the available accrediting amount at least partly pledging the user after resource described in producing is lower than the second default accrediting amount,
User's supplement is then reminded to pledge resource or refund.
9. the method as described in claim 1, the resource produces request and also carries the reception object information that resource produces.
10. a kind of based on the resource transfers system dynamically pledged, comprising:
Receiving module receives resource and produces request, and the resource produces request for requesting the target for producing user to pledge resource
In at least partly pledge resource, the resource, which produces, carries the quantity at least partly pledging resource in request；
Module is obtained, request is produced in response to the resource, at least partly pledges the corresponding resource that produces of resource described in acquisition and award
Believe amount；
Execution module, the available accrediting amount and the size relation for producing the resource accrediting amount based on the user, to institute
It states and at least partly pledges resource execution processing mode corresponding with the size relation.
11. a kind of electronic equipment, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
Execute following operation:
It receives resource and produces request, the resource produces request for requesting the target for producing user to pledge at least portion in resource
Sub-prime gives as security resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce the resource accrediting amount；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least partly
It pledges resource and executes processing mode corresponding with the size relation.
12. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one
A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour
Make:
It receives resource and produces request, the resource produces request for requesting the target for producing user to pledge at least portion in resource
Sub-prime gives as security resource, and the resource, which produces, carries the quantity at least partly pledging resource in request；
Request is produced in response to the resource, is obtained and described is at least partly pledged that resource is corresponding to produce the resource accrediting amount；
The available accrediting amount based on the user and the size relation for producing the resource accrediting amount, to it is described at least partly
It pledges resource and executes processing mode corresponding with the size relation.
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| CN201811072782.4A CN109389488A (en) | 2018-09-14 | 2018-09-14 | Based on resource transfers method, system and the electronic equipment dynamically pledged |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811072782.4A CN109389488A (en) | 2018-09-14 | 2018-09-14 | Based on resource transfers method, system and the electronic equipment dynamically pledged |
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