CN113516466A

CN113516466A - Request response method, request response device, electronic equipment and readable storage medium

Info

Publication number: CN113516466A
Application number: CN202110450665.2A
Authority: CN
Inventors: 陈凯丽; 周洪菊; 李燃; 李倩
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-04-25
Filing date: 2021-04-25
Publication date: 2021-10-19

Abstract

The embodiment of the disclosure provides a request response method, which is applied to the technical field of finance and computers or other fields. The method comprises the following steps: responding to an interest extraction request aiming at the target account, and acquiring interest extraction information of the target account; determining the interest extraction result of the time according to the interest extraction information of the target account, wherein the interest extraction result of the time comprises the interest due or the interest to be received; and under the condition that the interest extraction result meets the extraction condition, extracting the interest extraction result. The disclosure also provides a request response device, an electronic device, a computer readable storage medium and a computer program product.

Description

Request response method, request response device, electronic equipment and readable storage medium

Technical Field

The disclosed embodiments relate to the field of financial and computer technologies, and more particularly, to a request response method, a request response device, an electronic device, a computer-readable storage medium, and a computer program product.

Background

In order to refine the cost accounting of a bank, interest extraction operations are typically performed. Interest charging means that if the enterprises borrow (short term and long term), the enterprises need to pay interest in different periods or in one time according to the borrowing agreement. If the interest is returned once due or paid after each period, the enterprise needs to count the interest paid in the period but not paid at the end of the period according to the regulation of the authority generation system of the enterprise accounting system.

In the process of implementing the disclosed concept, the inventors found that there are at least the following problems in the related art, and the accuracy of interest extraction results obtained by using the related art is not high.

Disclosure of Invention

In view of the above, the disclosed embodiments provide a request response method, a request response device, an electronic device, a computer-readable storage medium, and a computer program product.

One aspect of the disclosed embodiments provides a request response method, including:

acquiring interest extraction information of a target account in response to an interest extraction request for the target account, wherein the interest extraction information comprises deposit interest extraction information or overdraft interest extraction information, wherein the deposit interest extraction information comprises outstanding interest due this time, outstanding interest due last time and paid interest this time, and the overdraft interest extraction information comprises outstanding interest due this time, outstanding interest due last time and paid interest this time, wherein the outstanding interest due this time and the outstanding interest due this time are used for representing the interest of the target account generated from the last interest day to the current interest day, and the outstanding interest due last time are used for representing the interest of the target account generated from the last interest day to the current interest day, and the paid interest this time is used for representing the interest of the target account actually paid from the last interest day to the current interest day The interest which is required to be paid at this time is used for representing the interest which is actually required to be paid by the target account from the last interest bearing day to the current improvement day;

determining the interest extraction result of the time according to the interest extraction information of the target account, wherein the interest extraction result of the time comprises the interest due or the interest to be received of the time; and

and under the condition that the interest extraction result meets the extraction condition, extracting the interest extraction result.

According to an embodiment of the present disclosure, the determining the interest extraction result according to the interest extraction information of the target account includes:

determining a first difference result between the unpaid interest due this time and the unpaid interest due last time under the condition that the interest extraction information of the target account is determined to comprise the deposit interest extraction information;

determining a first summation result between the first difference result and the real interest; and

determining the first summation result as the interest due; or

Determining a second difference result between the current outstanding interest to be received and the last outstanding interest to be received under the condition that the interest extraction information of the target account comprises the overdraft interest extraction information;

determining a second summation result between the second difference result and the real interest collection; and

and determining the second summation result as the interest to be received at this time.

According to an embodiment of the present disclosure, extracting the interest extraction result of this time when it is determined that the interest extraction result of this time satisfies an extraction condition includes:

under the condition that the interest payable is determined to be larger than or equal to an interest payable threshold value, extracting the interest payable; and

and under the condition that the interest to be collected at this time is determined to be larger than or equal to the threshold value of the interest to be collected, extracting the interest to be collected at this time.

According to an embodiment of the present disclosure, the request response method further includes:

and under the condition that the interest extraction result meets the recall condition, performing recall operation aiming at the interest extraction result.

According to an embodiment of the present disclosure, the executing a recall operation for the interest extraction result of this time when it is determined that the interest extraction result of this time satisfies a recall condition includes:

and under the condition that the interest extraction result is determined to be less than zero, performing a recoil operation aiming at the interest extraction result.

displaying an information setting page, wherein the information setting page comprises an input frame and/or a selection frame, the input frame is a control for inputting the current time-counting date, and the selection frame is a control for selecting the current time-counting date; and

and responding to the input operation of the user for the input box and/or the selection operation for the selection box to obtain the current counting date.

and generating an extraction report under the condition of finishing extracting the interest extraction result.

According to an embodiment of the present disclosure, the obtaining interest extraction information of the target account includes:

calling a query interface, and accessing a target data table corresponding to the target account; and

and obtaining interest extraction information of the target account according to the target data table.

Another aspect of the disclosed embodiments provides a request response apparatus, including:

an obtaining module, configured to obtain interest extraction information of a target account in response to an interest extraction request for the target account, where the interest extraction information includes deposit interest extraction information or overdraft interest extraction information, where the deposit interest extraction information includes a current unpaid interest due, a last unpaid interest due, and a current real interest, and the overdraft interest extraction information includes a current outstanding interest due, a last outstanding interest due, and a real interest due, where the current unpaid interest due and the current outstanding interest due are used to characterize an interest of the target account generated from a last interest bearing day to a current interest bearing day, the last unpaid interest due and the last outstanding interest due are used to characterize an interest of the target account generated from the last interest bearing day to a current interest bearing day, and the current real interest is used to characterize an actual interest paid from the last interest bearing day to the current interest bearing day The interest of the target account is used for representing the actually needed paid interest of the target account from the last interest bearing day to the current improvement day;

the determining module is used for determining the interest extraction result of the time according to the interest extraction information of the target account, wherein the interest extraction result of the time comprises the interest due or the interest charged at the time; and

and the extraction module is used for extracting the interest extraction result under the condition that the interest extraction result meets the extraction conditions.

Another aspect of an embodiment of the present disclosure provides an electronic device including: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method as described above.

Another aspect of the embodiments of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of an embodiment of the present disclosure provides a computer program product comprising computer executable instructions for implementing the method as described above when executed.

According to the embodiment of the disclosure, the interest due or the interest due is determined by using the obtained interest extraction information of the target account, and the interest due or the interest due is extracted under the condition that the interest due or the interest due satisfies the extraction condition. The problem of low accuracy of interest extraction results in the prior art is solved.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an exemplary system architecture to which the request response method and apparatus may be applied, according to an embodiment of the present disclosure.

Fig. 2 schematically shows a flow chart of a request response method according to an embodiment of the present disclosure.

Fig. 3 schematically shows a flow chart of a request response method according to another embodiment of the present disclosure.

Fig. 4 schematically shows a flow chart of a request response method according to another embodiment of the present disclosure.

Fig. 5 schematically shows a block diagram of a request response device according to an embodiment of the present disclosure.

Fig. 6 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In order to refine the cost accounting of a bank, interest extraction operations are typically performed. The deposit amount is calculated to account the interest that should be transferred to the customer every day before the bank pays no interest to the customer. The purpose of the proposal is to extract the interest which should be paid to the customer but not paid, to accurately account the cost of the bank, and to make decision reference for the bank so as to prepare enough money to pay the interest in a specific time, thereby providing a general proposal with the mentioned characteristics.

In the process of realizing the concept disclosed by the invention, the inventor finds that at least the following problems exist in the related technology, the accuracy of the interest extraction result obtained by adopting the related technology is not high, and the existing counting and extracting system has a single support scene and cannot realize the functions of automatic cancellation, special counting and extracting and the like.

The embodiments of the present disclosure provide a request response method, a request response device, an electronic device, a computer-readable storage medium, and a computer program product, where the request response method, the request response device, the electronic device, the computer-readable storage medium, and the computer program product provided by the embodiments of the present disclosure are applied to the financial and computer technical fields, and may also be applied to other technical fields, and the present disclosure is not limited herein. The request response method includes acquiring interest extraction information of a target account in response to an interest extraction request for the target account, wherein the interest extraction information includes deposit interest extraction information or overdraft interest extraction information, wherein the deposit interest extraction information includes a current outstanding interest due, a last outstanding interest due, and a current real interest, and the overdraft interest extraction information includes a current outstanding interest due, a last outstanding interest due, and a current real interest, wherein the current outstanding interest due and the current outstanding interest due are used to characterize an interest of the target account generated from a last interest bearing day to the current interest bearing day, the last outstanding interest due and the last outstanding interest due are used to characterize an interest of the target account generated from the last interest bearing day to the current interest bearing day, the current real interest is used to characterize an interest of the target account actually paid from the last interest bearing day to the current interest bearing day, the interest which is required to be received at this time is used for representing the interest which is actually required to be paid by the target account from the last interest-bearing date to the current improvement date; determining the interest extraction result of the time according to the interest extraction information of the target account, wherein the interest extraction result of the time comprises the interest due or the interest to be received; and under the condition that the interest extraction result meets the extraction condition, extracting the interest extraction result.

Fig. 1 schematically illustrates an exemplary system architecture 100 to which the request response method and apparatus may be applied, according to an embodiment of the disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, the system architecture 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired and/or wireless communication links, and so forth.

The account may use the

terminal devices

101, 102, 103 to interact with the server 105 over the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as a shopping-like application, a web browser application, a search-like application, an instant messaging tool, a mailbox client, and/or social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by the accounts using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the account request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the account request) to the terminal device.

It should be noted that the request response method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the request response device provided by the embodiment of the present disclosure may be generally disposed in the server 105. The request response method provided by the embodiment of the present disclosure may also be performed by a server or a server cluster that is different from the server 105 and is capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the request responding device provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Alternatively, the request response method provided by the embodiment of the present disclosure may also be executed by the

terminal device

101, 102, or 103, or may also be executed by another terminal device different from the

terminal device

101, 102, or 103. Accordingly, the request responding apparatus provided by the embodiment of the present disclosure may also be disposed in the

terminal device

101, 102, or 103, or disposed in another terminal device different from the

terminal device

101, 102, or 103.

For example, the pending request may be received by any one of the

terminal devices

101, 102, or 103 (e.g., but not limited to, terminal device 102 or 103) and transmitted to another terminal device (e.g., but not limited to, terminal device 101), or received by an external electronic device and transmitted to any one of the

terminal devices

101, 102, or 103 (e.g., but not limited to, terminal device 101) via the external electronic device. Then, the terminal device 101 may locally perform the request response method provided by the embodiment of the present disclosure, or send the pending request to another terminal device, a server, or a server cluster, and perform the request response method provided by the embodiment of the present disclosure by another terminal device, a server, or a server cluster that receives the pending request.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

As shown in fig. 2, the method includes operations S201 to S203.

In operation S201, in response to an interest extraction request for a target account, obtaining interest extraction information of the target account, wherein the interest extraction information includes deposit interest extraction information or overdraft interest extraction information, wherein the deposit interest extraction information includes a current outstanding interest due, a last outstanding interest due, and a current real interest, wherein the current outstanding interest due and the current outstanding interest due are used to characterize the interest of the target account generated from a last interest bearing day to the current interest bearing day, the last outstanding interest due and the last outstanding interest due are used to characterize the interest of the target account generated from the last interest bearing day to the current interest bearing day, and the current real interest is used to characterize the interest of the target account actually paid from the last interest bearing day to the current interest bearing day, the interest to be paid at this time is used for representing the interest actually required to be paid by the target account from the last interest-bearing date to the current improvement date.

According to an embodiment of the present disclosure, the deposit interest extraction information may include extraction information of interest generated by a deposit or the like. The overdraft interest extraction information may include extraction information of interest generated by a service such as loan. The outstanding interest due and the outstanding interest due may include an account or interest that the user has generated from the last day of interest to the current day of improvement. The last outstanding interest due and the last outstanding interest due may include an account or the user's interest from the last day of interest to the last day of improvement. The amount of interest actually paid to the target account may include the amount of interest actually paid from the last interest bearing day to the current day of improvement. The interest due may include the actual interest paid by the target account from the last interest bearing day to the current day of improvement.

According to the embodiment of the disclosure, the interest extraction request can include the generation of a corresponding trigger operation by a user at a personal intelligent terminal or a service point terminal. The personal intelligent terminal comprises an electronic device, the electronic device can comprise a terminal device, and the terminal device can comprise a smart phone, a tablet computer, a portable computer or a desktop computer and the like. The point of service terminal may comprise an electronic device, which may comprise a kiosk or the like. The trigger operation may include a click or a slide, etc.

In operation S202, a result of interest extraction of this time is determined according to the interest extraction information of the target account, where the result of interest extraction of this time includes the interest due this time or the interest due this time.

According to the embodiment of the present disclosure, the interest due may include, for example, the interest due minus the previous interest due and the interest paid in real time. The interest due this time may be obtained by subtracting the previous interest due to non-income from the current interest due to non-income, or the current interest due to income.

In operation S203, in a case where it is determined that the present interest extraction result satisfies the extraction condition, the present interest extraction result is extracted.

According to the embodiment of the disclosure, determining the interest extraction result according to the interest extraction information of the target account comprises the following steps:

determining a first difference result between the unpaid interest due this time and the unpaid interest due last time under the condition that the interest extraction information of the target account is determined to comprise deposit interest extraction information; determining a first summation result between the first difference result and the real interest at the time; and determining the first summation result as the interest due.

According to an embodiment of the present disclosure, the interest due may include, for example, the result of subtracting the unpaid interest due last time and the paid interest due this time from the unpaid interest due this time.

Under the condition that the interest extraction information of the target account comprises overdraft interest extraction information, determining a second difference result between the current receivable and unrecovered interest and the last receivable; determining a second summation result between the second difference result and the real interest collection; and determining the second summation result as the interest to be received at this time.

According to an embodiment of the present disclosure, the interest due this time may be obtained by subtracting the previous interest due and the actual interest due this time from the previous interest due.

According to the embodiment of the disclosure, the interest due or the interest due is determined by using the obtained interest extraction information of the target account, and the interest extraction result determined according to the interest extraction information is more accurate.

According to the embodiment of the present disclosure, under the condition that it is determined that the present interest extraction result satisfies the extraction condition, extracting the present interest extraction result includes: under the condition that the interest due is determined to be larger than or equal to the interest due threshold, extracting the interest due; and under the condition that the interest to be received at this time is determined to be larger than or equal to the threshold value of the interest to be received, extracting the interest to be received at this time.

According to the embodiment of the disclosure, the extraction threshold values of interest due and interest due can be preset according to specific implementation requirements, and the problem that the interest due or the interest due is small in amount and cannot be extracted can be avoided.

According to an embodiment of the present disclosure, the request response method further includes: and under the condition that the interest extraction result meets the recall condition, performing recall operation aiming at the interest extraction result.

According to the embodiment of the disclosure, the automatic system flushing operation is carried out on the scenes which are counted and not related, so that the manual adjustment work of the service can be reduced, and the cost is reduced.

According to an embodiment of the present disclosure, in a case where it is determined that the present interest extraction result satisfies a recall condition, performing a recall operation for the present interest extraction result includes: and under the condition that the interest extraction result is determined to be less than zero, performing a recoil operation aiming at the interest extraction result.

As shown in fig. 3, the method includes operations S301 to S302.

In operation S301, an information setting page is displayed, where the information setting page includes an input box and/or a selection box, where the input box is a control for inputting the current day of the scheduled event, and the selection box is a control for selecting the current day of the scheduled event.

In operation S302, the current date of promotion is obtained in response to an input operation of the user with respect to the input box and/or a selection operation with respect to the selection box.

According to the embodiment of the disclosure, the date of the recording can be set in a personalized manner according to the actual needs of the user, the personalized processing of the date of the recording is supported, and different use requirements of the user can be met.

According to the embodiment of the disclosure, under the condition that the interest extraction result is extracted, an extraction report can be generated.

According to the embodiment of the disclosure, cost accounting of a bank and other mechanisms can be accurately calculated through the counting and extracting operation, and meanwhile, an extracted report is generated to be used as a decision reference for the bank and other mechanisms, so that enough money payment interest can be prepared in a specific time.

As shown in fig. 4, after the interest extraction request for the target account is obtained, the previous outstanding or outstanding interest due to be paid is obtained, the outstanding or outstanding interest due to be paid is calculated, the current real paid or real interest is counted, the current outstanding or acceptable interest due to be paid on the current day is calculated according to the information, the account volume or the rest information in the analysis total period is accumulated according to the current outstanding or acceptable interest on the current day, and finally an extraction report is generated.

According to the embodiment of the disclosure, obtaining interest extraction information of a target account comprises: calling a query interface, and accessing a target data table corresponding to a target account; and obtaining interest extraction information of the target account according to the target data table.

As shown in fig. 5, the request response device 500 includes an obtaining module 501, a determining module 502, and an extracting module 503.

An obtaining module 501, configured to obtain interest extraction information of a target account in response to an interest extraction request for the target account, where the interest extraction information includes deposit interest extraction information or overdraft interest extraction information, where the deposit interest extraction information includes outstanding interest due this time, outstanding interest due last time, and paid interest this time, and the overdraft interest extraction information includes outstanding interest due this time, outstanding interest due last time, and paid interest this time, where the outstanding interest due this time and the outstanding interest due this time are used to characterize the interest of the target account generated from the last interest bearing day to the current interest bearing day, the paid interest due last time and the outstanding interest due last time are used to characterize the interest of the target account generated from the last interest bearing day to the current interest bearing day, and the paid interest this time is used to characterize the interest of the target account actually paid from the last interest bearing day to the current interest bearing day, the interest to be paid at this time is used for representing the interest actually required to be paid by the target account from the last interest-bearing date to the current improvement date.

The determining module 502 is configured to determine an interest extraction result of this time according to the interest extraction information of the target account, where the interest extraction result of this time includes the interest due this time or the interest due this time.

The extracting module 503 is configured to extract the interest extraction result of this time under the condition that it is determined that the interest extraction result of this time meets the extraction condition.

According to an embodiment of the present disclosure, the determining module 502 includes a first determining unit, a second determining unit, a third determining unit, a fourth determining unit, a fifth determining unit, and a sixth determining unit.

And the first determination unit is used for determining a first difference result between the unpaid interest due this time and the unpaid interest due last time under the condition that the interest extraction information of the target account is determined to comprise deposit interest extraction information.

And the second determining unit is used for determining a first summation result between the first difference result and the real interest at this time.

And the third determining unit is used for determining the first summation result as the interest due at this time.

And the fourth determining unit is used for determining a second difference result between the current non-receivable interest and the last non-receivable interest under the condition that the interest extraction information of the target account is determined to comprise overdraft interest extraction information.

And the fifth determining unit is used for determining a second summation result between the second difference calculation result and the real interest collection.

And the sixth determining unit is used for determining the second summation result as the interest which is required to be received at this time.

According to an embodiment of the present disclosure, the extraction module 503 includes a first extraction unit and a second extraction unit.

And the first extraction unit is used for extracting the interest due this time under the condition that the interest due this time is determined to be larger than or equal to the interest due threshold value.

And the second extraction unit is used for extracting the interest to be received at this time under the condition that the interest to be received at this time is determined to be greater than or equal to the threshold value of the interest to be received.

According to an embodiment of the present disclosure, the request response device 500 further includes an execution module.

And the execution module is used for executing the recall operation aiming at the interest extraction result under the condition that the interest extraction result meets the recall condition.

According to an embodiment of the present disclosure, an execution module includes an execution unit.

And the execution unit is used for executing the recoil operation aiming at the interest extraction result under the condition that the interest extraction result is determined to be less than zero.

According to an embodiment of the present disclosure, the request response device 500 further includes a presentation module and a response module.

And the display module is used for displaying the information setting page, wherein the information setting page comprises an input frame and/or a selection frame, the input frame is a control for inputting the current date counting and reminding, and the selection frame is a control for selecting the current date counting and reminding.

And the response module is used for responding to the input operation of the user for the input box and/or the selection operation for the selection box to obtain the current calculation promotion date.

According to an embodiment of the present disclosure, the request response apparatus 500 further includes a generation module.

And the generation module is used for generating an extraction report under the condition of finishing extracting the interest extraction result.

According to an embodiment of the present disclosure, the obtaining module 501 includes a calling unit and a processing unit.

And the calling unit is used for calling the query interface and accessing the target data table corresponding to the target account.

And the processing unit is used for obtaining interest extraction information of the target account according to the target data table.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented at least partially as a hardware Circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a Circuit, or implemented by any one of three implementations of software, hardware, and firmware, or any suitable combination of any of them. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any plurality of the obtaining module 501, the determining module 502 and the extracting module 503 may be combined and implemented in one module/unit/sub-unit, or any one of the modules/units/sub-units may be split into a plurality of modules/units/sub-units. Alternatively, at least part of the functionality of one or more of these modules/units/sub-units may be combined with at least part of the functionality of other modules/units/sub-units and implemented in one module/unit/sub-unit. According to an embodiment of the present disclosure, at least one of the obtaining module 501, the determining module 502, and the extracting module 503 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or may be implemented by any one of three implementations of software, hardware, and firmware, or any suitable combination of any of the three. Alternatively, at least one of the obtaining module 501, the determining module 502 and the extracting module 503 may be at least partly implemented as a computer program module, which when executed may perform a corresponding function.

It should be noted that the request response device portion in the embodiment of the present disclosure corresponds to the request response method portion in the embodiment of the present disclosure, and the description of the request response device portion specifically refers to the request response method portion, which is not described herein again.

Fig. 6 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure. The electronic device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 6, an electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a Read-Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. Processor 601 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 601 may also include onboard memory for caching purposes. Processor 601 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the disclosure.

In the RAM603, various programs and data necessary for the operation of the electronic apparatus 600 are stored. The processor 601, the ROM602, and the RAM603 are connected to each other via a bus 604. The processor 601 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM602 and/or RAM 603. It is to be noted that the program may also be stored in one or more memories other than the ROM602 and the RAM 603. The processor 601 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in one or more memories.

Electronic device 600 may also include input/output (I/O) interface 605, input/output (I/O) interface 605 also connected to bus 604, according to an embodiment of the disclosure. The electronic device 600 may also include one or more of the following components connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program, when executed by the processor 601, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. Examples may include, but are not limited to: a portable Computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM) or flash Memory), a portable compact Disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the preceding. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM602 and/or RAM603 described above and/or one or more memories other than the ROM602 and RAM 603.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method provided by the embodiments of the present disclosure, when the computer program product is run on an electronic device, the program code being adapted to cause the electronic device to carry out the request response method provided by the embodiments of the present disclosure.

The computer program, when executed by the processor 601, performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed through the communication section 609, and/or installed from the removable medium 611. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the account computing device, partly on the account device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the account computing device through any kind of Network, including a Local Area Network (LAN) or Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

It should be noted that, the acquisition, storage, application, etc. of the personal information of the user related to the embodiments of the present disclosure all comply with the regulations of the relevant laws and regulations, and do not violate the customs of the public order.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A request response method, comprising:

2. The method of claim 1, wherein the determining the interest extraction result according to the interest extraction information of the target account comprises:

determining the first summation result as the interest due; or

3. The method according to claim 1 or 2, wherein the extracting the interest extraction result of this time under the condition that it is determined that the interest extraction result of this time meets an extraction condition includes:

4. The method of claim 1 or 2, further comprising:

5. The method of claim 4, wherein the performing a recall operation for the present interest extraction result in the event that the present interest extraction result is determined to satisfy a recall condition comprises:

6. The method of claim 1 or 2, further comprising:

7. The method of claim 1 or 2, further comprising:

8. The method of claim 1 or 2, wherein the obtaining interest extraction information for the target account comprises:

9. A request response device comprising:

10. An electronic device, comprising:

one or more processors;

a memory for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-8.

11. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to carry out the method of any one of claims 1 to 8.

12. A computer program product comprising a computer program which, when executed by a processor, is adapted to carry out the method of any one of claims 1 to 8.