CN112330330B

CN112330330B - Rights and interests data processing method and device, computer equipment and storage medium

Info

Publication number: CN112330330B
Application number: CN202011125118.9A
Authority: CN
Inventors: 张晴; 郭文钦; 王笑言; 司孝波; 刁爱娜
Original assignee: Suning Cloud Computing Co Ltd
Current assignee: Suning Cloud Computing Co Ltd
Priority date: 2020-10-20
Filing date: 2020-10-20
Publication date: 2022-11-22
Anticipated expiration: 2040-10-20
Also published as: CN112330330A; CA3135121A1

Abstract

The application relates to a method and a device for processing rights and interests data, computer equipment and a storage medium. The method comprises the following steps: acquiring a first order under an authorized account; calculating the total value of the first equity issuing amount corresponding to the first order; determining the authorization type of the authorized account according to the account identification of the authorized account; when the authorized account is of a first authorized type, judging whether the total value is larger than a first threshold value and smaller than a second threshold value; the first authorization type is used for representing that the right and interests opening information of the authorization account is not matched with the first right and interests payment information of the authorization account; if so, splitting the first rights and interests issuing amount into a first part amount and a second part amount; the first quota value of the first part of quota is a first threshold value, and the second quota value of the second part of quota is the difference value between the total quota value and the first threshold value; and the first part of quota is issued to the authorized account, and the second part of quota is frozen. The method can ensure the consistency of the opening rights and interests and the payment obligations of the account.

Description

Rights and interests data processing method and device, computer equipment and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for processing rights and interests data, a computer device, and a storage medium.

Background

With the development of computer technology, new consumption forms based on platforms such as e-commerce and digital media are continuously developed, and users generally become platform members by means of activating rights and interests, that is, users enjoy rights and interests of members by fulfilling certain payment obligations. In the traditional technology, the opening of the rights and interests and the payment of the money are equivalent, for example, a year card is opened, the expense of the year card is paid once, and members of the year card enjoy the annual rights and interests until the upper limit of the annual rights and interests limit is reached; opening a season card, paying the season card fee at one time, and allowing the season card member to enjoy the season rights and interests until the upper limit of the season rights and interests is reached; and (4) opening the monthly card, paying monthly card fees once, and allowing monthly card members to enjoy monthly equity until the monthly equity limit reaches the upper limit.

However, with the advent of the digital age, the payment forms of currency are gradually diversified, and various payment platforms are appeared, and if currency payment is carried out by means of other payment platforms, the payment mode is not necessarily limited to one-time payment. For example, if the communication company is cooperated to charge the conference fee, the communication company deducts the corresponding subscription fee from the telephone fee every month according to the subscription mode, and even if the annual card is opened, deducts the conference fee in the 12-month telephone fee deduction mode every month. However, there is a possibility that the user has the right to cancel the subscription within 72 hours or in the next month and also has a possibility of a few defaulting stop sales numbers, if the user immediately enjoys the whole equity amount of the annual card after opening the annual card and stops the sales numbers in the next month, the equity amount actually obtained by the user is larger than the payment obligation which the user should perform, and the group asset safety cannot be guaranteed.

In the conventional technology, in order to ensure the rights and interests of the users to be consistent with the obligations, a mode of allowing the users who pay monthly to open monthly card members is adopted, but in this way, the users have to repeatedly submit member applications for many times, and the operators have to perform business operations of application approval and permission opening every month, so that the workload of the users and the operators is greatly increased. Or, a new member system and rights and interests issuing logic must be reset, for example, a continuous monthly subscription is set, and the rights and interests of the user are slightly greater than those of the ordinary monthly card member, but the resetting of the rights and interests issuing logic requires the business processing logic of the original system to be modified again, which greatly increases the difficulty of system development and the complexity of member management, thereby increasing the workload of operators.

Disclosure of Invention

In view of the above, there is a need to provide a method, an apparatus, a computer device and a storage medium for processing equity data, which can keep the equity and obligation of an authorized account consistent without increasing the system development amount and the number of equity opening applications.

A rights and interests data processing method is applied to a server and comprises the following steps:

acquiring a first order under an authorized account;

calculating the total value of the first equity issuing amount corresponding to the first order;

determining the authorization type of the authorized account according to the account identification of the authorized account;

when the authorized account is of a first authorized type, judging whether the total value is larger than a first threshold value and smaller than a second threshold value; the first authorization type is used for representing that the right and interest opening information of the authorization account is not matched with first right and interest payment information for paying the authorization account for opening the right and interest;

if so, splitting the first equity issuing amount into a first part amount and a second part amount; wherein, the first quota value of the first part quota is a first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value;

and issuing the first part of the quota to an authorized account, and freezing the second part of the quota.

In one embodiment, the method further comprises:

acquiring the rights and interests opening payment record of the authorized account within a preset time period;

acquiring second right payment information of the authorized account in a preset time period according to the right opening payment record;

and if the second right and interest payment information is matched with the agreement payment information, the second part of the quota is issued to the authorized account.

In one embodiment, issuing the second portion of the quota to the authorized account includes:

generating a second identifier of a second order according to the first identifier of the first order;

associating the second part of the quota with the second identifier, and using the second part of the quota as a second rights and interests issuing quota corresponding to the second order;

when the second part of quota is issued to the authorized account, the corresponding second rights and interests issuing quota is called according to the second identification, and the second rights and interests issuing quota is issued to the authorized account.

In one embodiment, before issuing the second portion of the quota to the authorized account, the method further comprises:

acquiring a rights and interests issuing freezing table of an authorized account; the right and interests release freezing table is used for recording right and interests release data of the first order, and the right and interests release data comprise a second quota value;

judging whether the second quota value is less than or equal to a third threshold value;

if yes, the step of issuing the second part of quota to the authorized account is executed.

In one embodiment, the method further comprises:

if the second quota value is larger than a third threshold value, splitting the second part of quota into a third part of quota and a fourth part of quota; the third quota value of the third part of quota is a third threshold value, and the fourth quota value of the fourth part of quota is the difference value between the second quota value and the third threshold value;

the second part of the quota is issued to the authorized account, including the third part of the quota is issued to the authorized account;

in one embodiment, issuing the third portion of the quota to the authorized account comprises:

generating a third identifier of a third order according to the first identifier of the first order;

and the third part of quota is used as a third interest issuing quota corresponding to the third order;

and when the third part of quota is issued to the authorized account, calling the corresponding third right and interest issuing quota according to the third identifier, and issuing the third right and interest issuing quota to the authorized account.

In one embodiment, after the third rights and interests issuance credit is issued to the authorized account, the method further comprises:

updating the second quota value in the rights and interests issue freezing table;

in one embodiment, updating the second credit in the rights issue freeze table comprises:

the second credit value is replaced by the fourth credit value.

In one embodiment, the method further comprises:

when the first order is returned, acquiring a rights and interests issue freezing table of the authorized account, wherein the rights and interests issue freezing table is used for recording rights and interests issue data of the first order;

searching and reading the rights and interests issuing data of the first order in the rights and interests issuing freezing table according to the first identifier;

determining the actual equity issuing amount of the first order according to the equity issuing data;

deduct the actual equity issuing amount from the account residual equity amount of the authorized account.

A rights data processing apparatus, said apparatus comprising:

the account order acquisition module is used for acquiring a first order under the authorized account;

the interest quota calculating module is used for calculating the total quota value of the first interest issuing quota corresponding to the first order;

the account type determining module is used for determining the authorization type of the authorized account according to the account identification of the authorized account;

the equity threshold comparison module is used for judging whether the total value is greater than a first threshold and less than a second threshold when the authorized account is of a first authorized type; the first authorization type is used for representing that the right and interest opening information of the authorization account is not matched with first right and interest payment information for paying the authorization account for opening the right and interest;

the right and interest limit splitting module is used for splitting the first right and interest issuing limit into a first part of limit and a second part of limit if the right and interest limit splitting module is used for splitting the first right and interest issuing limit into a first part of limit and a second part of limit; wherein, the first quota value of the first part quota is a first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value;

and the credit issuing and freezing module is used for issuing the first part of credit to the authorized account and freezing the second part of credit.

A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of any of the methods when executing the computer program.

A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of the above.

According to the equity data processing method, the device, the computer equipment and the storage medium, by judging the authorization type of the authorized account, when the equity opening information of the authorized account is judged to be not matched with the equity payment information through the authorization type, the part of the amount matched with the equity payment information is sent to the authorized account, and the part of the amount not matched with the equity payment information is frozen, so that the equity amount issued in the current time period is matched with the payment obligation of the authorized account, under the condition that no new processing logic development is needed, the balance of the opening equity and the payment obligation of the account is ensured, the application times of the user's equity opening are reduced, and the workload of operators is greatly reduced.

Drawings

FIG. 1 is a diagram of an application environment of a method for rights data processing in one embodiment;

FIG. 2 is a flow diagram that illustrates a method for processing rights data in one embodiment;

FIG. 3 is a flowchart illustrating the step of issuing the second portion of the quota to the authorized account in one embodiment;

FIG. 4 is a technical architecture diagram of entitlement data processing in an application embodiment;

FIG. 5 is a block diagram showing the configuration of a device for processing rights data according to an embodiment;

FIG. 6 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of and not restrictive on the broad application.

The rights data processing method provided by the application can be applied to the application environment shown in fig. 1. The equity data processing system 102 obtains the order of the authorized account from the user order management system 104, and performs the business processing of the equity issue amount. Where the rights data processing system 102 may be implemented as a stand-alone server or a server cluster comprised of multiple servers. Specifically, when the equity data processing system 102 obtains a first order under the authorization account, the total amount value of a first equity issuance amount corresponding to the first order is calculated, the authorization type of the authorization account is determined according to the account identifier of the authorization account by calling the user account database, when the authorization account is of the first authorization type, whether the total amount value is larger than a first threshold value and smaller than a second threshold value is judged by calling the rule engine database, if so, the first equity issuance amount is divided into a first part amount and a second part amount, the first part amount is issued to the authorization account, and the second part amount is frozen. Further, a rights issue freeze table of the authorized account can be generated, and is used for recording rights issue related data of the first order and the like.

In one embodiment, as shown in fig. 2, a method for processing rights data is provided, which is illustrated by way of example as applied to the rights data processing system in fig. 1, and comprises the following steps:

step S10: a first order under the authorized account is obtained.

The authorized account refers to an account authorized to be opened and enjoying a certain right, for example, the authorized account may be a member account paid by annual card/season card/monthly card, and the member account may be authorized to enjoy a certain right after paying annual fee/season fee/monthly fee, for example, the member account may enjoy a certain proportion of credit limit (right limit) which is more returned than the common account. The first order is an order generated by activities such as shopping and consuming through the authorized account after the authorized account is opened. In particular, an order for an authorized account may be obtained from an order management system.

Step S20: and calculating the total value of the first equity issued quota corresponding to the first order.

In general, for an authorized account, after the authorized account is consumed, the system returns and issues the corresponding rights and interests according to the consumed amount. The total value of the first equity issuing amount is the total value of the equity amount to be returned corresponding to the first order.

Specifically, the equity data processing server may obtain the consumption amount data of the first order from the first order, and calculate the total value of the corresponding equity issue amount according to the consumption amount data.

Step S30: and determining the authorization type of the authorized account according to the account identification of the authorized account.

The account identifier is uniquely associated with the authorized account, and may be a member number of the authorized account. The authorization type is used for representing an authorization category to which the authorization account belongs, and may include a first authorization type and a second authorization type; the first authorization type is used for representing that the right and interest opening information of the authorization account is not matched with first right and interest payment information for paying the authorization account for opening the right and interest; the second authorization type is used for representing that the right and interests opening information of the authorized account is matched with the first right and interests payment information of the authorized account for opening the right and interests.

For example, when the right and the interest of the account are opened, the cost paid once is not less than the cost corresponding to the opened right and the interest, and the account can be judged to be of the second authorization type; when the right of the account is opened, the cost paid once is less than the cost corresponding to the opened right, the account can be judged to be the first authorization type, for example, if the right of the account is opened by a yearly card member, but the meeting fee which the member who opens the yearly card should pay is not paid fully but only a month of the meeting fee is paid when the account is opened, the account whose opened right is not matched with the payment obligation can be determined to be the account of the first authorization type.

Step S40: when the authorized account is of the first authorization type, judging whether the total value is larger than a first threshold value and smaller than a second threshold value; the first authorization type is used for representing that the right and interests opening information of the authorized account is not matched with the first right and interests payment information of the authorized account for opening the right and interests.

In this step, when the authorized account is of the first authorization type, the current opening equity and the payment obligation of the authorized account are not matched, and the issue of excess equity amount and false issue may be caused due to inconsistency between the equity data and the obligation data.

The second threshold value can be set according to the right and interest opening information of the authorized account and is used for representing the upper limit value of the issuable right and interest amount corresponding to the right and interest category opened by the authorized account; the first threshold value may be set according to the first equity payment information of the authorized account, and is used to represent the amount of money that the authorized account has paid to open the aforementioned category of equity.

Specifically, the total value of the first equity issuance amount corresponding to the first order is compared with a first threshold and a second threshold. The total value may be compared with a second threshold value, and if the total value does not exceed the first threshold value, the total value may be further compared with the first threshold value.

In the step, the first threshold and the second threshold are set, and the total value is compared with the first threshold and the second threshold, so that the amount issued this time does not exceed the upper limit of the issuable amount by using the second threshold, and the first threshold ensures that the amount issued this time matches the current payment obligation of the authorization account, thereby avoiding the overdissuability of the equity amount, improving the accuracy of the issuance of the equity amount, and ensuring the interests of both the authorizing party and the authorized party.

Step S50: if so, splitting the first rights and interests issuing amount into a first part amount and a second part amount; the first quota value of the first part quota is a first threshold value, and the second quota value of the second part quota is a difference value between the total quota value and the first threshold value.

The first quota value is a quota value of the first part of quota and is used for representing the quota upper limit of the first part of quota. The second quota value is a quota value of the second part of quota and is used for representing the quota upper limit of the second part of quota.

In this step, the first equity granting amount corresponding to the first order is split to obtain a first part amount and a second part amount respectively. Because the first part of quota and the second part of quota are split according to the first threshold value and the second threshold value, the split first part of quota is the quota after the upper limit value is limited by the first threshold value, and the first part of quota is consistent with the right and interest quota which is obtained at the current stage of the authorized account.

Step S60: and issuing the first part of the quota to an authorized account, and freezing the second part of the quota.

In the step, the split first part of the quota is issued to the authorized account, so that the right quota issued to the authorized account can be matched with the payment obligation completed by the current stage of the authorized account. The second part of the quota split is frozen, so that the authorization account can not obtain the right and interest quota which is not matched with the currently finished payment obligation excessively, meanwhile, the second part of the quota can be temporarily stored by adopting the frozen processing and cannot be destroyed, and the second part of the quota can be correspondingly adjusted according to the payment obligation completion condition of the authorization account subsequently, so that the right and the obligation consistency of the authorization account can be ensured in real time.

According to the equity data processing method, the authorization type of the authorization account is judged, when the equity opening information of the authorization account is judged to be not matched with the equity payment information through the authorization type, the part of the amount matched with the equity payment information is sent to the authorization account, the part of the amount not matched with the equity payment information is frozen, the equity amount issued to the authorization account in the current time period is matched with the payment obligation of the authorization account, the accuracy of issuing the equity amount to the authorization account can be guaranteed under the condition that the opening equity of the authorization account is not consistent with the completed payment obligation, and the equity issuing amount of the authorization account is matched with the current entitled equity in real time. That is, under the condition of not developing new processing logic, the balance of the opening rights and interests of the account and the payment obligation can be ensured, the application times of the user for opening the rights and interests are reduced, and the workload of operators is greatly reduced.

Through the technical scheme of the invention, the user does not need to ensure that all payment obligations are finished at one time in the initial equity opening stage. Because the payment obligation does not need to be finished once, the user can improve the quota of the equity opening so as to reduce the number of times of the equity opening, so that the system does not need to repeatedly receive and feed back the equity opening data, the occupation amount of system resources is reduced, and the operation of submitting application and approving application by the user and operators can be reduced.

In one embodiment, the method further comprises: acquiring a right opening payment record of an authorized account within a preset time period; acquiring second right payment information of the authorized account in a preset time period according to the right opening payment record; and if the second right and interest payment information is matched with the agreement payment information, the second part of the quota is issued to the authorized account.

In this embodiment, the agreement payment information is information preset in an authorization agreement of the first authorization type, and the agreement payment information is used to represent amount information of the authorization account that needs to be subjected to the supplementary payment within the preset time period. And obtaining the second right and interest payment information in the preset time and matching the second right and interest payment information with the agreement payment information, determining whether the authorized account completes certain payment obligations in the preset time period, unfreezing the frozen second part of quota according to the completion degree of the payment obligations and issuing the unfrozen second part of quota to the authorized account.

According to the embodiment, the equity opening payment record of the authorized account can be acquired within a certain time or periodically, the frozen amount is returned to the authorized account in time according to the completion condition of the payment obligation of the authorized account, and the consistency of the equity amount of the authorized account and the payment obligation is maintained in real time.

In one embodiment, before issuing the second portion of the quota to the authorized account, the method further comprises: acquiring a rights and interests release freezing table of an authorized account; the right and interest release freezing table is used for recording right and interest release data of the first order, and the right and interest release data comprise a second quota value; judging whether the second quota value is less than or equal to a third threshold value; if yes, the step of issuing the second part of the quota to the authorized account is executed.

And when the authorized account completes certain payment obligations within a preset time period, the system correspondingly opens a certain refundable interest limit for the authorized account, and the upper limit value of the refundable interest limit is the third threshold value. For example, the authorized account opens annual card members, the agreement pays the conference fee monthly and monthly, and after each month the conference fee is received on behalf of or for the authorized account, the system releases the returnable amount matching the monthly.

Specifically, before the second part of the quota is unfrozen and issued to the authorized account, the step of verifying the second part of the quota is also included, the quota value of the frozen quota of the first order (the second quota value of the second part of the quota) can be read from the benefit issue freeze table by calling the rights issue freeze table of the authorized account, whether the second quota value is less than or equal to the upper limit value (the third threshold value) of the returnable rights and interests quota released for the authorized account by the system according to the second rights and interests payment information is judged, and if the second quota value is less than or equal to the upper limit value (the third threshold value) of the returnable rights and interests quota released for the authorized account by the system according to the second rights and interests payment information, the second part of the quota is issued to the authorized account. Therefore, the balance of the opening rights and interests and the payment obligations of the account is realized by reading the quota value of the frozen quota of the first order from the benefit issuing frozen table to issue the corresponding quota.

Preferably, before obtaining the rights issue freeze table of the authorized account, the method further includes: and generating a rights and interests issuing freezing table of the authorization account according to the first authorization type, and writing the total value of the first rights and interests issuing amount of the first order and the second value of the second partial amount of the first order into the rights and interests issuing freezing table. The method has the advantages that the authorization account of the first authorization type is generated with the rights and interests releasing freezing table, the freezing amount data of the authorization account of the first authorization type can be accurately recorded, in the subsequent process of releasing the freezing amount, the operation of releasing and releasing is indicated through the recorded freezing amount data, and the purpose of accurate releasing is achieved under the condition that no new processing logic is added.

In this embodiment, as shown in fig. 1, a rights and interests freezing and issuing table of an account of a first authorization type is constructed on a system architecture of original rights and interests data processing of an authorized user. That is, as shown in fig. 1, the original system architecture for processing the rights and interests data of the authorized user does not set the rights and interests freezing and issuing table for the user account database. The embodiment constructs a rights and interests freezing and issuing table of the account of the first authorization type, which is used for recording the total value of the first rights and interests issuing amount and the second value of the second part amount corresponding to the authorization account of the first authorization type, the server reads the total value of the first rights and interests issuing amount and the second value of the second part amount from the rights and interests freezing and issuing table for data processing, and then the balance of opening rights and interests and payment obligations of the account is realized, and on the basis of not changing the original system architecture, the rights and interests data processing method can be realized without adding new processing logic.

The method comprises the steps of establishing a right and interest freezing and issuing table of a first authorization type account, more accurately recording right and interest issuing data of the authorization account, obtaining right and interest payment records of the authorization account at a certain time or periodically, reading related data from the right and interest freezing and issuing table in time when the payment obligation of the authorization account changes, judging whether the right and the obligation of the authorization account are matched in time, and issuing a right and interest amount matched with the right and the interest amount to the authorization account according to the change of the payment obligation of the authorization account.

In one embodiment, as shown in fig. 3, fig. 3 is a schematic flowchart illustrating a step of issuing the second part of quota to the authorized account, and specifically includes the following steps:

step S302: and generating a second identifier of the second order according to the first identifier of the first order.

Step S304: and associating the second part of the quota with the second identifier, and using the second part of the quota as a second rights and interests issuing quota corresponding to the second order.

Step S306: when the second part of quota is issued to the authorized account, the corresponding second rights and interests issuing quota is called according to the second identification, and the second rights and interests issuing quota is issued to the authorized account.

In this embodiment, the first identifier uniquely corresponds to the first order, and the second identifier uniquely corresponds to the second order. Specifically, a first identifier of the first order can be quoted to generate a second identifier, the second identifier is associated with the second part of the quota and serves as a second equity issuing quota of the second order, and when quota issuing is performed, a second equity issuing quota corresponding to the second order is called through the second identifier and is issued to the authorized account.

In this embodiment, by generating a new second order and a second identifier and associating the second part of the quota with the second identifier of the second order, it can be ensured that the equity data processing system follows the uniqueness check rule, and the orders with the same identifier will not be subjected to repeated operation twice, so as to avoid repeated issuing processing on the equity issuing quota corresponding to the same order. When the second part of quota is issued, the second right and interest issuing quota associated with the second identifier is uniquely called through the second identifier, and the second right and interest issuing quota is issued.

Furthermore, the second identifier of the second order is generated according to the first identifier of the first order, and preferably, the second identifier may be generated by referring to the first identifier. Therefore, the difficulty of follow-up order management can be reduced, and when the financial related system carries out clearing and data sorting, the second order split by the first order and the second equity issuing amount can be inquired according to the first identification of the first order.

In one embodiment, if the second quota value is larger than a third threshold value, the second part of quota is divided into a third part of quota and a fourth part of quota; the third quota value of the third part of quota is a third threshold value, and the fourth quota value of the fourth part of quota is the difference value between the second quota value and the third threshold value; and the step of issuing the second part of the quota to the authorized account comprises the step of issuing a third part of the quota to the authorized account.

In this embodiment, when the second part of the quota is verified, if the second part of the quota is greater than the third threshold, the second part of the quota may be further split according to the third threshold, so as to ensure that the split third part of the quota matches with the second right and interest payment information, and then the third part of the quota is issued to the authorized account.

Preferably, the third identifier of the third order may be generated according to the first identifier of the first order; and the third part of quota is used as a third right and interest issuing quota corresponding to the third order, when the third part of quota is issued to the authorized account, the corresponding third right and interest issuing quota is called according to the third identification, and the third right and interest issuing quota is issued to the authorized account.

In this embodiment, by further differentiating the second part of the quota, the right quota issued to the authorized account can be more accurately matched with the payment obligation of the authorized account, and the consistency of the right and the obligation of the authorized account is ensured.

In one embodiment, after the third rights and interests issuance amount is issued to the authorized account, the method further comprises; and updating the second quota value in the rights and interests release freezing table. Preferably, the second credit value may be replaced by a fourth credit value.

In this embodiment, after the second part of the quota is split, the split third part of the quota is sent to the authorized account as a third right offer quota corresponding to a third order, and the split fourth part of the quota is still in a frozen state, at this time, the value of the frozen quota of the first order recorded in the right offer frozen table is changed from the second quota value to a fourth quota value by updating the right offer frozen table, so that the accuracy of the right offer data recording can be improved, and therefore, the frozen quota value of the first order read through the right offer frozen table at any time can be ensured to be the actual frozen quota value of the first order at the current stage.

In one embodiment, the method may further include, when the authorized account is of a second authorization type, determining whether the total credit value is smaller than a second threshold, and if so, issuing the first rights and interests issuance credit corresponding to the first order to the authorized account. And the second authorization type is used for representing the right and interest opening information of the authorized account and matching the first right and interest payment information of the authorized account for opening the right and interest.

In the embodiment, on the basis of the original system, the first authorization type is differentiated from the second authorization type by judging whether the right opening information of the authorization account is matched with the first right payment information. For the authorization account of the first authorization type, the business logic of the right and interest issuing does not need to be reset, only a freezing table and a bill detaching module are added in the original system, the right and interest amount is detached through the bill detaching module, the part of the right and interest amount which is not matched with the payment obligation of the authorization account is frozen, the data amount record of the frozen amount is carried out through the freezing table, the bill detaching module can read the data in the freezing table in real time according to the change of the payment obligation of the authorization account, and the right and interest amount which is matched with the payment obligation is unfrozen and issued through the mode of detaching an order.

By the scheme, the consistency of the equity obligations of the authorized account can be ensured without modifying a rule engine architecture and a rebate technology architecture. The method can avoid resetting extra rights and interests issuing business logic and avoid secondary modification and redevelopment of the system, thereby reducing the workload of system development of operators and improving the utilization efficiency of the system.

In one embodiment, the method further comprises: when the first order is returned, acquiring a rights and interests issue freezing table of the authorized account, wherein the rights and interests issue freezing table is used for recording rights and interests issue data of the first order; searching and reading the rights and interests issuing data of the first order in the rights and interests issuing freezing table according to the first identifier; determining the actual equity issuing amount of the first order according to the equity issuing data; deduct the actual equity issuing amount from the account residual equity amount of the authorized account.

In this embodiment, by calling the equity issue freeze table under the authorized account, the actual equity issue amount of the order that has been issued to the authorized account can be accurately calculated through the total amount value of the equity issue amount corresponding to the order recorded in the equity issue freeze table and the amount value of the freeze amount at the current stage. When the order is returned, the quota can be accurately recovered from the authorized account according to the actual equity issued quota.

To further detail the rights data processing method of the above embodiment, an application example is provided below, which is described with reference to a specific implementation scenario:

in the application example, for example, the joint payment member service, the cooperation mode and the public instruction to the user are all annual card cooperation, that is, the right and interest amount opened by the authorized account is the right and interest amount of the annual card member, the annual card member can enjoy the profit return (in the form of points) upper limit value of all orders in the year as 500 amount, and the corresponding right and interest amount is returned after the order payment is completed. In the combined payment mode, a user actually uses telephone charges to pay the conference charges according to the monthly fee, and if the user returns the profit according to the annual card membership rights under the condition that all the conference charges are not received, the group faces bad account risks such as telephone charge arrearage, account breaking and the like, once the user obtains all the profit returns, the operations such as telephone charge account breaking, account returning and the like are carried out, so that serious service loopholes and irreparable loss are caused.

For the authorized annual card member accounts in the joint payment service, the problem of improper processing of the interest data can be caused because the interests and obligations of the special authorized accounts are not matched. A equity data processing method for improving the equity obligation consistency of the authorized account and further improving the system fund security is provided for the authorized account.

As shown in FIG. 4, FIG. 4 illustrates a technical architecture diagram of a rights data processing system for an application instance. The equity data processing system comprises a rule engine database and a user account database.

Authorizing an account credit management model for a rules engine:

besides setting the upper limit of the annual rebate credit limit, setting a monthly rebate credit limit, and freezing the credit exceeding the monthly rebate credit limit; wherein, the monthly rebate value limit may be set according to annual rebate value limit/12.

And automatically releasing monthly rebate lines according to months, if the monthly rebate lines consumed in the previous month do not reach the upper limit, the lines can be extended to the monthly rebate lines of the current month for accumulation, and if goods returns are generated in the historical month, the lines released due to the goods returns are accumulated to the current month in the effective period.

Specifically, the equity data processing system calculates the rebate value of the order according to the purchase order of the authorized account, and obtains the current rebate value that can be returned by the order and the frozen rebate value of the order by checking the annual remaining rebate value and the monthly available rebate value.

And (3) returning the profit to the authorized account, and releasing the bill:

if the order is partially returned and partially frozen, the same order is allowed to be returned in a plurality of times. To comply with the system uniqueness check rules: the authorized account identification (member number and the like) + the order identification (order line number and the like) cannot be repeated, and the system realizes the purposes of splitting orders and returning benefits; wherein, the technical scheme of the bill removal rebate is as follows: and adding a rebate freezing table to the shopping record of the special authorization account, wherein the rebate freezing table is used for recording the value of the corresponding rebate amount in the list and the remaining rebate freezing amount in the list. When the rebate is issued, the order is removed according to the authorization account identifier and the order identifier to generate a new order identifier, and the new order identifier can refer to the original order identifier to realize the association of the new order identifier and the original order identifier.

And aiming at the goods returning process, searching a freezing table of the authorization account, calculating the actually issued quota value according to the issued quota value and the freezing quota value recorded in the freezing table, and deducting the actual equity issuing quota from the remaining quota after checking the remaining quota of the authorization account.

It should be understood that although the various steps in the flow charts of fig. 2-3 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-3 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-steps or stages is not necessarily sequential, but may be performed alternately or alternatingly with other steps or at least some of the sub-steps or stages of other steps.

In one embodiment, as shown in fig. 5, there is provided a device for processing rights and interests data, including: the system comprises an account order acquisition module 10, a right and interest amount calculation module 20, an account type determination module 30, a right and interest threshold comparison module 40, a right and interest amount splitting module 50 and an amount issuing and freezing module 60, wherein:

an account order obtaining module 10, configured to obtain a first order under an authorized account;

the equity limit calculation module 20 is used for calculating the total value of the first equity issuing amount corresponding to the first order;

the account type determining module 30 is configured to determine an authorization type of the authorized account according to the account identifier of the authorized account;

the equity threshold comparison module 40 is configured to, when the authorized account is of the first authorized type, determine whether the total value is greater than a first threshold and smaller than a second threshold; the first authorization type is used for representing that the right and interests opening information of the authorization account is not matched with first right and interests payment information of the authorization account for opening the right and interests;

the equity limit splitting module 50 is used for splitting the first equity issuing limit into a first part of limit and a second part of limit if the equity limit splitting module is used for splitting the first equity issuing limit into a first part of limit and a second part of limit; wherein, the first quota value of the first part quota is a first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value;

and the credit issuing and freezing module 60 is used for issuing the first part of credit to the authorized account and freezing the second part of credit.

In one embodiment, the credit issuing and freezing module 60 is further configured to obtain the equity opening payment record of the authorized account within a preset time period; acquiring second right payment information of the authorized account in a preset time period according to the right opening payment record; and if the second right and interest payment information is matched with the agreement payment information, the second part of the quota is issued to the authorized account.

In one embodiment, credit freeze module 60 generates a second identification for a second order based on a first identification for a first order; associating the second part of the quota with the second identifier, and using the second part of the quota as a second rights and interests issuing quota corresponding to the second order; when the second part of quota is issued to the authorized account, the corresponding second rights and interests issuing quota is called according to the second identification, and the second rights and interests issuing quota is issued to the authorized account.

In one embodiment, the rights and interests threshold comparison module 40 is further configured to obtain a rights and interests issue freeze table for the authorized account; the right and interests release freezing table is used for recording right and interests release data of the first order, and the right and interests release data comprise a second quota value; judging whether the second quota value is less than or equal to a third threshold value; if yes, the step of issuing the second part of quota to the authorized account is executed.

In an embodiment, the interest quota splitting module 50 is further configured to split the second part of quota into a third part of quota and a fourth part of quota if the second quota value is greater than the third threshold; the third quota value of the third part of quota is a third threshold value, and the fourth quota value of the fourth part of quota is the difference value between the second quota value and the third threshold value; credit line issuing and freezing module 60 is used for issuing the third part of credit line to the authorized account.

In one embodiment, credit freeze module 60 generates a third identification for a third order based on the first identification of the first order; and the third part of quota is used as a third interest issuing quota corresponding to the third order; and when the third part of quota is issued to the authorized account, calling the corresponding third right and interest issuing quota according to the third identifier, and issuing the third right and interest issuing quota to the authorized account.

In one embodiment, credit issue freeze module 60 is further configured to update the second credit in the credit issue freeze table.

In one embodiment, credit freeze module 60 replaces the second credit value with a fourth credit value.

In one embodiment, the credit issue freezing module 60 is further configured to obtain the interest issue freezing table of the authorized account when the first order is returned, where the interest issue freezing table is used to record interest issue data of the first order; searching and reading the rights and interests issue data of the first order in the rights and interests issue freezing table according to the first identifier; determining the actual equity issuing amount of the first order according to the equity issuing data; deduct the actual equity issuing amount from the account residual equity amount of the authorized account.

For the specific definition of the processing device of the rights data, reference may be made to the above definition of the rights data processing method, which is not described herein again. The various modules in the apparatus for processing of entitlement data may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 6. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is for storing rules engine data and user account data peers. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a rights data processing method.

Those skilled in the art will appreciate that the architecture shown in fig. 6 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: obtaining a first order under an authorized account; calculating the total value of the first equity issuing amount corresponding to the first order; determining the authorization type of the authorization account according to the account identifier of the authorization account; when the authorized account is of a first authorized type, judging whether the total value is larger than a first threshold value and smaller than a second threshold value; the first authorization type is used for representing that the right and interests opening information of the authorization account is not matched with first right and interests payment information of the authorization account for opening the right and interests; if so, splitting the first equity issuing amount into a first part amount and a second part amount; wherein, the first quota value of the first part quota is a first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value; and issuing the first part of the quota to an authorized account, and freezing the second part of the quota.

In one embodiment, the processor, when executing the computer program, further performs the steps of: acquiring the rights and interests opening payment record of the authorized account within a preset time period; acquiring second right payment information of the authorized account in a preset time period according to the right opening payment record; and if the second right and interest payment information is matched with the agreement payment information, the second part of the quota is issued to the authorized account.

In one embodiment, when the processor executes the computer program to issue the second part of the quota to the authorized account, the following steps are specifically implemented: generating a second identifier of a second order according to the first identifier of the first order; associating the second part of the quota with the second identifier, and using the second part of the quota as a second rights and interests issuing quota corresponding to the second order; when the second part of quota is issued to the authorized account, the corresponding second right and interest issuing quota is called according to the second identifier, and the second right and interest issuing quota is issued to the authorized account.

In one embodiment, the processor executes the computer program to realize the following steps before the second part of quota is issued to the authorized account: acquiring a rights and interests issuing freezing table of an authorized account; the right and interests release freezing table is used for recording right and interests release data of the first order, and the right and interests release data comprise a second quota value; judging whether the second quota value is less than or equal to a third threshold value; if yes, the step of issuing the second part of the quota to the authorized account is executed.

In one embodiment, execution of the computer program by the processor further implements the steps of: if the second quota value is larger than a third threshold value, splitting the second part of quota into a third part of quota and a fourth part of quota; the third quota value of the third part of quota is a third threshold value, and the fourth quota value of the fourth part of quota is the difference value between the second quota value and the third threshold value; and the processor executes the computer program to realize that the third part of the quota is specifically sent to the authorized account when the second part of the quota is sent to the authorized account.

In one embodiment, when the processor executes the computer program to issue the third part of the quota to the authorized account, the following steps are specifically implemented: generating a third identifier of a third order according to the first identifier of the first order; and the third part of quota is used as a third rights and interests issuing quota corresponding to the third order; and when the third part of quota is issued to the authorized account, calling the corresponding third right and interest issuing quota according to the third identifier, and issuing the third right and interest issuing quota to the authorized account.

In one embodiment, after the processor executes the computer program to issue the third rights and interests issuance limit to the authorized account, the following steps are also implemented: updating the second quota value in the rights and interests issue freezing table;

in one embodiment, when the processor executes the computer program to update the second credit value in the rights issue freeze table, the following steps are specifically implemented: the second credit value is replaced by the fourth credit value.

In one embodiment, execution of the computer program by the processor further implements the steps of: when the first order is returned, acquiring a rights and interests issue freezing table of the authorized account, wherein the rights and interests issue freezing table is used for recording rights and interests issue data of the first order; searching and reading the rights and interests issuing data of the first order in the rights and interests issuing freezing table according to the first identifier; determining the actual equity issuing amount of the first order according to the equity issuing data; and deducting the actual equity issuing amount from the account remaining equity amount of the authorized account.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: obtaining a first order under an authorized account; calculating the total value of the first equity issuing amount corresponding to the first order; determining the authorization type of the authorization account according to the account identifier of the authorization account; when the authorized account is of a first authorized type, judging whether the total value is larger than a first threshold value and smaller than a second threshold value; the first authorization type is used for representing that the right and interest opening information of the authorization account is not matched with first right and interest payment information for paying the authorization account for opening the right and interest; if so, splitting the first equity issuing amount into a first part amount and a second part amount; wherein, the first quota value of the first part quota is a first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value; and issuing the first part of the quota to an authorized account, and freezing the second part of the quota.

In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring the rights and interests opening payment record of the authorized account within a preset time period; acquiring second right payment information of the authorized account in a preset time period according to the right opening payment record; and if the second right and interest payment information is matched with the agreement payment information, the second part of the quota is issued to the authorized account.

In one embodiment, when the computer program is executed by the processor to implement the issue of the second portion of the quota to the authorized account, the following steps are specifically implemented: generating a second identifier of a second order according to the first identifier of the first order; associating the second part of the quota with the second identifier, and using the second part of the quota as a second rights and interests issuing quota corresponding to the second order; when the second part of quota is issued to the authorized account, the corresponding second rights and interests issuing quota is called according to the second identification, and the second rights and interests issuing quota is issued to the authorized account.

In one embodiment, the computer program, before being executed by the processor to issue the second portion of the quota to the authorized account, further implements the following steps: acquiring a rights and interests release freezing table of an authorized account; the right and interests release freezing table is used for recording right and interests release data of the first order, and the right and interests release data comprise a second quota value; judging whether the second quota value is less than or equal to a third threshold value; if yes, the step of issuing the second part of the quota to the authorized account is executed.

In one embodiment, the computer program when executed by the processor further performs the steps of: if the second quota value is larger than a third threshold value, splitting the second part of quota into a third part of quota and a fourth part of quota; the third quota value of the third part of quota is a third threshold value, and the fourth quota value of the fourth part of quota is the difference value between the second quota value and the third threshold value; and when the computer program is executed by the processor to realize that the second part of the quota is issued to the authorized account, the third part of the quota is specifically issued to the authorized account.

In one embodiment, when the computer program is executed by the processor to implement the third portion of the quota to be issued to the authorized account, the following steps are specifically implemented: generating a third identifier of a third order according to the first identifier of the first order; and the third part of quota is used as a third rights and interests issuing quota corresponding to the third order; and when the third part of quota is issued to the authorized account, calling the corresponding third right and interest issuing quota according to the third identifier, and issuing the third right and interest issuing quota to the authorized account.

In one embodiment, after the computer program is executed by the processor to realize that the third rights and interests issuing amount is issued to the authorized account, the following steps are also realized: updating the second quota value in the rights and interests issue freezing table;

in one embodiment, when the computer program is executed by the processor to update the second credit value in the rights issue freeze table, the following steps are specifically implemented: and replacing the second quota value with the fourth quota value.

In one embodiment, the computer program when executed by the processor further performs the steps of: when the first order is returned, acquiring a rights and interests issue freezing table of the authorized account, wherein the rights and interests issue freezing table is used for recording rights and interests issue data of the first order; searching and reading the rights and interests issuing data of the first order in the rights and interests issuing freezing table according to the first identifier; determining the actual equity issuing amount of the first order according to the equity issuing data; and deducting the actual equity issuing amount from the account remaining equity amount of the authorized account.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include non-volatile and/or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), rambus (Rambus) direct RAM (RDRAM), direct Rambus Dynamic RAM (DRDRAM), and Rambus Dynamic RAM (RDRAM), among others.

All possible combinations of the technical features in the above embodiments may not be described for the sake of brevity, but should be considered as being within the scope of the present disclosure as long as there is no contradiction between the combinations of the technical features.

The above examples only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, and these are all within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A method for processing rights and interests data, the method being applied to a server, the method comprising:

obtaining a first order under an authorized account;

calculating the total value of a first equity issuing amount corresponding to the first order;

determining the authorization type of the authorization account according to the account identifier of the authorization account;

when the authorized account is of a first authorized type, judging whether the total value is larger than a first threshold value and smaller than a second threshold value; the first authorization type is used for representing that the right and interests opening information of the authorized account is not matched with first right and interests payment information of the authorized account for opening the right and interests;

if yes, splitting the first equity issuing amount into a first part amount and a second part amount; wherein, the first quota value of the first part quota is the first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value;

and issuing the first part of quota to the authorized account, and freezing the second part of quota.

2. The method of claim 1, further comprising:

acquiring the right and gain opening payment record of the authorized account within a preset time period;

acquiring second right payment information of the authorized account in the preset time period according to the right opening payment record;

and if the second right and interest payment information is matched with the agreement payment information, the second part of quota is issued to the authorized account.

3. The method of claim 2, wherein said issuing said second portion of credit to said authorized account comprises:

the second part of quota is associated with the second identifier, and the second part of quota is used as a second right and benefit issuing quota corresponding to the second order;

when the second part of quota is issued to the authorized account, the corresponding second right and interest issuing quota is called according to the second identifier, and the second right and interest issuing quota is issued to the authorized account.

4. The method of claim 2, wherein prior to issuing the second portion of the quota to the authorized account, further comprising:

acquiring a rights and interests release freezing table of the authorized account; the right and interests release freezing table is used for recording right and interests release data of the first order, and the right and interests release data comprise the second quota value;

if yes, the step of sending the second part of quota to the authorized account is executed.

5. The method of claim 4, further comprising:

if the second quota value is larger than the third threshold value, splitting the second part of quota into a third part of quota and a fourth part of quota; the third quota value of the third part of quota is the third threshold value, and the fourth quota value of the fourth part of quota is the difference value between the second quota value and the third threshold value;

the step of issuing the second part of quota to the authorized account comprises the following steps: issuing the third part of the quota to the authorized account;

wherein the issuing the third portion of the quota to the authorized account comprises:

and the third part of quota is used as a third right and interest issuing quota corresponding to the third order;

6. The method of claim 5, wherein after the issuing of the third rights and interests credit to the authorized account, the method further comprises:

wherein, the updating the second quota value in the rights and interests release freezing table includes:

and replacing the second quota value with the fourth quota value.

7. The method of claim 3, further comprising:

when the first order is returned, acquiring a rights and interests release freezing table of the authorization account, wherein the rights and interests release freezing table is used for recording rights and interests release data of the first order;

and deducting the actual interest issuing amount from the account remaining interest amount of the authorized account.

8. An equity data processing apparatus, characterized in that said apparatus comprises:

the equity limit calculation module is used for calculating the total value of a first equity issuing amount corresponding to the first order;

the account type determining module is used for determining the authorization type of the authorization account according to the account identifier of the authorization account;

the equity threshold comparison module is used for judging whether the total value is greater than a first threshold and smaller than a second threshold when the authorized account is of a first authorized type; the first authorization type is used for representing that the right and interests opening information of the authorized account is not matched with first right and interests payment information of the authorized account for opening the right and interests;

the equity quota splitting module is used for splitting the first equity distribution quota into a first part quota and a second part quota if the first equity distribution quota is the first part quota; wherein, the first quota value of the first part quota is the first threshold value, and the second quota value of the second part quota is the difference value between the total quota value and the first threshold value;

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 7 are implemented when the computer program is executed by the processor.

10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.