Clearing processing method, device, system and equipment based on difference value

Abstract

The present application discloses a method, device, system and equipment for clearing and processing based on difference value, which includes: determining the ending balance of the user account at the end time of the previous clearing cycle; receiving at least one first legitimate transaction request sent by the user terminal at any time of the current clearing cycle, and updating the ending balance to the first asset value; receiving the beginning balance of the user account sent by the first server; and updating the first asset value to the second asset value based on the first asset value, the beginning balance and the ending balance. The problem of time limit for the processing of the user's transaction request is solved, and the user's transaction operation experience is improved.

Description

Technical Field

[0001] The present application generally relates to the technical field of account settlement, and specifically relates to a settlement processing method, device, system and equipment based on difference value. Background Art

[0002] During stock trading, it is usually necessary to liquidate the assets in the user's account after a certain period of time to determine the actual assets in the user's account. This period of time is called the liquidation cycle.

[0003] The stock trading system generally involves two types of service agencies, introducing brokers and clearing houses. In a clearing cycle, the introducing broker is responsible for processing the transaction requests of the user account and updating the assets of the user account in real time according to the transaction requests of the user account; the clearing house is responsible for clearing all transaction information of the user account in the previous clearing cycle after a clearing cycle, determining the income, removing the transaction costs, determining the actual assets of the user account after the end of the previous clearing cycle, and sending the actual assets to the introducing broker as the beginning balance of the current clearing cycle.

[0004] In the related art, when the clearing house clears the opening balance of the user's account, the introducing broker will suspend processing the transaction requests of the user's account, resulting in a poor user account experience. Summary of the invention

[0005] In view of the above-mentioned defects or deficiencies in the prior art, it is desirable to provide a difference value-based clearing processing method, apparatus, system and device that can process user transaction requests at any time.

[0006] In a first aspect, an embodiment of the present application provides a clearing processing method based on a difference value, the method being executed by a second server, the method comprising:

[0007] At the end of the previous settlement cycle, determine the ending balance of the user account at the end of the period;

[0008] At any time in the current settlement cycle, receiving at least one first legitimate transaction request sent by a user terminal, and updating the ending balance to the first asset value;

[0009] Receiving the opening balance of the user account sent by the first server;

[0010] The first asset value is updated to a second asset value based on the first asset value, the beginning balance and the ending balance, wherein the beginning balance is determined by the first server at the end of the last settlement cycle by clearing at least one transaction information of the user account in the last settlement cycle.

[0011] In a second aspect, an embodiment of the present application provides a difference value-based clearing processing system, including: a first server, a second server, and a user terminal.

[0012] The first server is used to settle at least one transaction information of the user account in the previous settlement cycle to determine the opening balance at the end time of the previous settlement cycle, and send the opening balance to the second server;

[0013] The second server is used to receive the opening balance sent by the first server, determine the difference between the opening balance and the closing balance, obtain the time value when the opening balance is received, query the first asset value corresponding to the time value according to the time value, and determine the sum of the difference value and the first asset value as the second asset value. The closing balance is the asset value of the user account determined by the second server at the end time of the previous settlement cycle. The first asset value is determined by the second server after the end time of the previous settlement cycle and before receiving the opening balance, by processing at least one first legitimate transaction request sent by the user terminal using the closing balance to update the closing balance.

[0014] In a third aspect, an embodiment of the present application provides a clearing processing device based on a difference value, comprising:

[0015] A determination module is configured to determine, at the end time of the last settlement cycle, the ending balance of the user account at the end time;

[0016] A first updating module is configured to receive at least one first legitimate transaction request sent by a user terminal at any time in the current settlement cycle, and update the ending balance to the first asset value;

[0017] A receiving module, configured to receive the opening balance of the user account sent by the first server;

[0018] The second update module is configured to update the first asset value to the second asset value based on the first asset value, the beginning balance and the ending balance, wherein the beginning balance is determined by the first server at the end time of the previous settlement cycle by clearing at least one transaction information of the user account in the previous settlement cycle.

[0019] In a fourth aspect, an embodiment of the present application provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor is configured to implement the method of the first aspect when executing the program.

[0020] The technical solution provided by the embodiments of the present application may have the following beneficial effects:

[0021] The difference-value-based clearing processing method, device, system, and equipment provided in the embodiments of the present application can determine the ending balance of the user account at the end time of the previous clearing cycle; at any time of the current clearing cycle, receive at least one first legitimate transaction request sent by the user terminal, and update the ending balance to the first asset value; receive the beginning balance of the user account sent by the first server; based on the first asset value, the beginning balance, and the ending balance, update the first asset value to the second asset value. The technical solution provided in the embodiments of the present application can process the transaction request of the user without time limit, improve the processing efficiency of the transaction request, and improve the user's operating experience of using the transaction system. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Other features, objects and advantages of the present application will become more apparent by reading the detailed description of non-limiting embodiments made with reference to the following drawings:

[0023] Figure 1 A schematic diagram of an implementation environment architecture of a difference value-based clearing processing method provided in an embodiment of the present application;

[0024] Figure 2 A flow chart of a difference value-based liquidation processing method provided in an embodiment of the present application;

[0025] Figure 3 A schematic diagram of the structure of a clearing processing device based on a difference value provided in an embodiment of the present application;

[0026] Figure 4 A schematic diagram of the structure of another difference value-based clearing processing device provided in an embodiment of the present application;

[0027] Figure 5 A schematic diagram of the structure of another difference value-based clearing processing device provided in an embodiment of the present application;

[0028] Figure 6 A schematic diagram of the structure of a difference value-based clearing processing device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0029] The present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the relevant invention, rather than to limit the invention. It is also necessary to explain that, for ease of description, only the parts related to the invention are shown in the accompanying drawings.

[0030] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0031] The present application embodiment provides a schematic diagram of an implementation environment architecture of a clearing processing method based on a difference value, such as Figure 1 As shown, the implementation environment architecture includes: a user terminal 110, a first server 120, a second server 130 and a third server 140. Network connections can be established between the user terminal 110 and the second server 130, between the first server 120 and the second server 130, and between the second server 130 and the third server 140, respectively.

[0032] At the end of the last settlement cycle, the second server 130 can determine the ending balance of the user account at the end time; the first server 120 can settle at least one transaction information of the user account in the last settlement cycle to determine the beginning balance, and send the beginning balance to the second server 130. The transaction information at least includes the initiation time of the legitimate transaction request and the asset value corresponding to the initiation time.

[0033] At any time in the current settlement cycle, the user terminal 110 can respond to the user's transaction operation and send a transaction request to the second server 130. The user terminal 110 can be a device such as a smart phone, a laptop or a tablet computer.

[0034] The second server 130 may receive a transaction request sent by the user terminal 110, and when the transaction request is a legitimate transaction request, send the transaction request to the third server 140, and the third server 140 may match the transaction and send the transaction matching result to the second server 130. The second server 130 may receive the transaction matching result sent by the third server 140, and when the transaction matching result is a successful transaction, update the ending balance corresponding to the user account to the first asset value, and the transaction matching result is a successful transaction or a failed transaction.

[0035] The second server 130 may also receive the beginning balance sent by the first server 120 , and update the first asset value to the second asset value based on the first asset value, the beginning balance, and the ending balance.

[0036] The first server 120 may be a server of a clearing house in the stock trading system; the second server 130 may be a server of an introducing broker in the stock trading system; the third server 140 may be a server of an order executor, a market maker or a stock exchange in the stock trading system.

[0037] It should be noted that, in the embodiment of the present application, the assets maintained in the first server 110 and the second server 130 may be asset data such as account balance, user net assets, leverage ratio, etc. corresponding to the user account.

[0038] The present application embodiment provides a clearing processing method based on a difference value, which can be applied to a second server, such as Figure 2 As shown, the method includes:

[0039] Step 201: At the end of the previous settlement cycle, determine the ending balance of the user account at the end time.

[0040] In this step, when the second server determines that the current time is the end time of the previous settlement cycle, it can determine the ending balance of the user account at the end time, store the ending balance and the time value corresponding to the ending balance, and send the ending balance and the time value to the first server for storage. The process of determining the ending balance of the user account at the end time can be: obtaining the initiation time corresponding to at least one legitimate transaction request of the user account received in the previous settlement cycle, determining the asset value corresponding to the latest initiation time among the initiation times, and determining the asset value corresponding to the latest initiation time as the ending balance.

[0041] Step 202: At any time in the current settlement cycle, receive at least one first legitimate transaction request sent by the user terminal, and update the ending balance to the first asset value.

[0042] In this step, at any time in the current settlement cycle, the second server can continue to receive and process at least one transaction request sent by the user terminal. When the at least one transaction request is a first legitimate transaction request, the first legitimate transaction request is sent to the third client for transaction matching, and the transaction matching result sent by the third server is obtained. If the transaction matching result is a transaction failure, the asset value in the user account is not changed; if the transaction matching result is a transaction success, the end-of-period balance of the user account can be updated to the first asset value, and the initiation time of each legitimate transaction and the first asset value corresponding to the initiation time are stored until the beginning balance of the user account sent by the first server is received.

[0043] Among them, the process of updating the end-of-period balance to the first asset value can be: for the first first legitimate transaction request received, when the first legitimate transaction request is a buy request, the end-of-period balance is subtracted from the transaction amount, and the difference between the two is determined as the first asset value in the user account; or, when the legitimate transaction request is a sell request, the end-of-period balance is added to the transaction amount, and the sum of the two is used to determine the first asset value in the user account.

[0044] For other first legitimate transaction requests received, when the first legitimate transaction request is a buy request, the first asset value corresponding to the first first legitimate transaction request is subtracted from the transaction amount, and the difference between the two is determined as the updated first asset value; or, when the legitimate transaction request is a sell request, the first asset value corresponding to the first first legitimate transaction request is added to the transaction amount, and the updated first asset value is determined as the sum of the two.

[0045] Furthermore, first transaction information corresponding to each first legitimate transaction request is determined, the first transaction information including a first initiation time of the first transaction request and a first asset value corresponding to the first initiation time, and at least one first transaction information is sent to the first server for storage.

[0046] Step 203: Receive the beginning balance of the user account sent by the first server.

[0047] In this step, the second server may receive the opening balance of the user account sent by the first server, and store the opening balance and the time value of receiving the opening balance. The opening balance is determined by the first server at the end time of the previous settlement cycle by clearing at least one transaction information of the user account in the previous settlement cycle.

[0048] Optionally, for the account balance, at least one transaction information package includes the initiation time of each legitimate transaction and the account balance corresponding to the initiation time, and at least one transaction information of the user account in the previous settlement cycle is used for settlement, and the process of obtaining the beginning balance may be: obtaining the ending balance of the user account at the end time of the previous settlement cycle stored in the first server, and determining the difference between the ending balance and the transaction cost as the beginning balance of the user account. The transaction cost may be an account management fee of the user account.

[0049] It should be noted that the embodiment of the present application takes the clearing of the account balance in the user account as an example to illustrate the clearing process of the beginning balance. For other asset data corresponding to the user account, such as the user's net assets, leverage multiples, etc., clearing can be performed according to the clearing method of each asset data to obtain the beginning balance of the user account corresponding to the asset data.

[0050] Step 204: Based on the first asset value, the beginning balance and the ending balance, update the first asset value to a second asset value.

[0051] In this step, the second server may update the first asset value to the second asset value based on the first asset value, the opening balance and the closing balance. The process may be: the second server determines the difference between the opening balance and the closing balance, obtains the stored time value of receiving the opening balance, queries the first asset value corresponding to the time value according to the time value, and determines the sum of the difference value and the first asset value as the second asset value. The process of querying the first asset value corresponding to the time value according to the time value may be: obtaining the initiation time corresponding to at least one first legitimate transaction request of the user account received at any time in the current clearing cycle, and determining the first asset value corresponding to the latest initiation time among the initiation times as the first asset value used to determine the second asset value.

[0052] Optionally, after determining the second asset value of the user account, the second server may also: receive at least one second legitimate transaction request, update the second asset value in the user account, determine second transaction information corresponding to each second legitimate transaction request, the second transaction request including the second initiation time of the second legitimate transaction request, and the second asset value corresponding to the second initiation time, and send at least one second transaction information to the first server for storage.

[0053] Among them, the process of receiving at least one second legitimate transaction request and updating the second asset value in the user account can be: when the at least one second legitimate transaction request is a buy request, the second asset value is subtracted from the transaction amount, and the difference between the two is determined as the updated second asset value; or, when the legitimate transaction request is a sell request, the second asset value is added to the transaction amount, and the updated second asset value is determined as the sum of the two.

[0054] It should be noted that in an embodiment of the present application, at the end of the current settlement cycle, the first server can settle at least one transaction information of the user account in the current settlement cycle, and determine the beginning balance corresponding to the current settlement cycle, wherein the at least one transaction information includes at least one first transaction information and at least one second transaction information received by the first server in the current settlement cycle.

[0055] For example, assuming that the clearing cycle in a certain stock trading system is 24 hours and the opening time is 10 am, for user account A, assuming that at 10:00:00 on April 2, 2020, the second server of the introducing broker can obtain the initiation times corresponding to the two transaction requests of user account A received between 10:00:00 on April 1, 2020 and 9:59:59 on April 2, 2020, which are 12:18:02 on April 1, 2020 and 15:16:21 on April 1, 2020, determine the asset value of 600 yuan corresponding to 15:16:21 on April 1, 2020 in the initiation time, determine 600 yuan as the ending balance, store the corresponding relationship between user account A, the ending balance of 600 yuan and 15:16:21 on April 1, 2020, and send the corresponding relationship to the first server of the clearing house. The second server of the introducing broker received a first legitimate transaction request at 10:01:15 on April 2, 2020, which was a buy order request, and the transaction amount of the buy order was 200 yuan. The difference of 400 yuan between the transaction amount of 200 yuan and the ending balance of 600 yuan was determined as the first asset value in the user account, and 10:01:15 on April 2, 2020 and the first asset value of 400 yuan were sent to the first server of the clearing house for storage.

[0056] For the second server of the introducing broker, it is assumed that it receives the beginning balance of 500 yuan of user account A from 10:00:00 on April 1, 2020 to 9:59:59 on April 2, 2020 sent by the first server of the clearing house at 10:01:30 on April 2, 2020. The beginning balance of 500 yuan is determined by the first server of the clearing house using the ending balance of 600 yuan of user account A stored therein, and the difference value of 500 between the ending balance of 600 yuan and the transaction cost of 100.

[0057] The second server of the introducing broker can determine the difference value -100 between the beginning balance of 500 yuan and the ending balance of 600 yuan, obtain the stored time value of April 2, 2020 10:01:30 when the beginning balance of 500 yuan was received, query the first asset value corresponding to the time value according to the time value to be 400 yuan, and determine the sum of the difference value -100 yuan and the first asset value of 400 yuan, 300 yuan, as the second asset value. Further, the second asset value of 300 yuan can be used to continue to process at least one second legitimate transaction request sent by the user terminal, and update the second asset value in the user account until the end of the current settlement cycle at 9:59:59 on April 3, 2020.

[0058] In summary, the difference value-based liquidation processing method provided in the embodiment of the present application includes: determining the ending balance of the user account at the end time of the previous liquidation cycle; receiving at least one first legitimate transaction request sent by the user terminal at any time of the current liquidation cycle, and updating the ending balance to the first asset value; receiving the beginning balance of the user account sent by the first server; and updating the first asset value to the second asset value based on the first asset value, the beginning balance and the ending balance. The user's transaction request can be processed at any time to improve the user's transaction operation experience.

[0059] The present application embodiment provides a clearing processing system based on difference value, such as Figure 1 As shown, the system includes: a user terminal 110, a first server 120 and a second server 130,

[0060] The first server 120 is used to settle at least one transaction information of the user account in the previous settlement cycle to determine the initial balance at the end time of the previous settlement cycle, and send the initial balance to the second server 130.

[0061] The second server 130 is used to receive the opening balance sent by the first server 120, determine the difference between the opening balance and the closing balance, obtain the time value when the opening balance is received, query the first asset value corresponding to the time value according to the time value, and determine the sum of the difference value and the first asset value as the second asset value. The closing balance is the asset value of the user account determined by the second server at the end time of the previous settlement cycle. The first asset value is determined by the second server after the end time of the previous settlement cycle and before receiving the opening balance, by processing at least one first legitimate transaction request sent by the user terminal 110 using the closing balance to update the closing balance.

[0062] Optional, such as Figure 1 As shown, the system also includes a third server 140. At any time in the current settlement cycle, the second server 130 can continue to receive and process at least one transaction request sent by the user terminal 110. When the at least one transaction request is a first legitimate transaction request, the first legitimate transaction request is sent to the third client 140 for transaction matching, and the transaction matching result of the first legitimate transaction request is determined, and the transaction matching result is sent to the second server 130. The second server 130 receives the transaction matching result. If the transaction matching result is a transaction failure, the asset value in the user account is not changed; if the transaction matching result is a transaction success, the end-of-period balance of the user account can be updated to the first asset value, and the initiation time of each legitimate transaction and the first asset value corresponding to the initiation time are stored until the beginning balance of the user account sent by the first server 120 is received.

[0063] Optionally, the second server 130 is used to determine the first transaction information corresponding to each first legitimate transaction request, and send at least one first transaction information to the first server 120, and the first server 120 is used to receive and store the first transaction information. The first transaction information includes the first initiation time of the first transaction request and the first asset value corresponding to the first initiation time.

[0064] Optionally, the second server 130 is further configured to receive at least one second legitimate transaction request sent by the user terminal 110, update the second asset value in the user account, determine the second transaction information corresponding to each second legitimate transaction request, and send at least one second transaction information to the first server 120, and the first server 120 is configured to receive and store the second transaction information. The second transaction request includes the second initiation time of the second legitimate transaction request and the second asset value corresponding to the second initiation time.

[0065] Optionally, at the end of the current settlement cycle, the first server 120 may settle at least one transaction information of the user account within the current settlement cycle, and determine the beginning balance corresponding to the current settlement cycle, wherein the at least one transaction information includes at least one first transaction information and at least one second transaction information received by the second server 130 within the current settlement cycle.

[0066] In summary, the difference value-based clearing processing system provided in the embodiment of the present application includes a first server, a second server and a user terminal. The first server is used to clear at least one transaction information of the user account in the previous clearing cycle at the end of the previous clearing cycle to determine the opening balance, and send the opening balance to the second server; the second server is used to receive the opening balance sent by the first server, determine the difference value between the opening balance and the ending balance, obtain the time value of the received opening balance, query the first asset value corresponding to the time value according to the time value, and determine the sum of the difference value and the first asset value as the second asset value. The user's transaction request can be processed at any time to improve the user's transaction operation experience.

[0067] The present application embodiment provides a clearing processing device 30 based on a difference value, such as Figure 3 As shown, the device comprises:

[0068] The determination module 301 is configured to determine the ending balance of the user account at the end time of the previous settlement cycle;

[0069] The first updating module 302 is configured to receive at least one first legitimate transaction request sent by the user terminal at any time in the current settlement cycle, and update the ending balance to the first asset value;

[0070] The receiving module 303 is configured to receive the opening balance of the user account sent by the first server;

[0071] The second update module 304 is configured to update the first asset value to the second asset value based on the first asset value, the beginning balance and the ending balance, wherein the beginning balance is determined by the first server at the end of the previous settlement cycle by clearing at least one transaction information of the user account in the previous settlement cycle.

[0072] Optionally, the second updating module 304 is configured to:

[0073] Determine the difference between the beginning and ending balances;

[0074] Get the time value when the opening balance is received;

[0075] Query the first asset value corresponding to the time value according to the time value;

[0076] The sum of the difference value and the first asset value is determined as a second asset value.

[0077] Optional, such as Figure 4 As shown, the device 30 also includes:

[0078] The first determining module 305 is configured to determine first transaction information corresponding to each first legitimate transaction request, the first transaction information including a first initiation time of the first transaction request and a first asset value corresponding to the first initiation time;

[0079] The sending module 306 is configured to send at least one first transaction information to the first server for storage.

[0080] Optional, such as Figure 5 Said device 30 further comprises:

[0081] The third updating module 307 is configured to receive at least one second legitimate transaction request and update the second asset value in the user account;

[0082] The first determining module 305 is configured to determine second transaction information corresponding to each second legitimate transaction request, wherein the second transaction request includes a second initiation time of the second legitimate transaction request and a second asset value corresponding to the second initiation time;

[0083] The sending module 306 is configured to send at least one second transaction information to the first server for storage.

[0084] Optionally, the determination module 301 is configured to:

[0085] Obtaining an initiation time corresponding to at least one legitimate transaction request of a user account received in a previous settlement cycle;

[0086] Determine the asset value corresponding to the latest initiation time among the initiation times;

[0087] The asset value corresponding to the latest initiation time is determined as the ending balance, and the ending balance and the time value corresponding to the ending balance are stored.

[0088] In summary, the difference value-based clearing processing device provided in the embodiment of the present application includes: determining the ending balance of the user account at the end time of the previous clearing cycle; receiving at least one first legitimate transaction request sent by the user terminal at any time of the current clearing cycle, and updating the ending balance to the first asset value; receiving the beginning balance of the user account sent by the first server; and updating the first asset value to the second asset value based on the first asset value, the beginning balance and the ending balance. The user's transaction request can be processed at any time to improve the user's transaction operation experience.

[0089] Figure 6 4 is a computer system according to an exemplary embodiment, which includes a central processing unit (CPU) 401, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 402 or a program loaded from a storage part to a random access memory (RAM) 403. In RAM 403, various programs and data required for system operation are also stored. CPU 401, ROM 402 and RAM 403 are connected to each other through a bus 404. An input / output (I / O) interface 405 is also connected to the bus 404.

[0090] The following components are connected to the I / O interface 405: an input section 406 including a keyboard, a mouse, etc.; an output section including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 408 including a hard disk, etc.; and a communication section 409 including a network interface card such as a LAN card, a modem, etc. The communication section 409 performs communication processing via a network such as the Internet. A drive is also connected to the I / O interface 405 as needed. A removable medium 411, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 410 as needed, so that a computer program read therefrom is installed into the storage section 408 as needed.

[0091] In particular, according to the embodiments of the present application, the above Figure 2The described process can be implemented as a computer software program. For example, various embodiments of the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication part, and / or installed from a removable medium. When the computer program is executed by a central processing unit (CPU) 401, the above-mentioned functions defined in the system of the present application are executed.

[0092] It should be noted that the computer-readable medium shown in the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0093] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the method, device and computer program product according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the above-mentioned module, program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0094] The units involved in the embodiments of the present application may be implemented by software or hardware, and the units described may also be arranged in a processor. The names of these units do not, in some cases, constitute limitations on the units themselves. The described units or modules may also be arranged in a processor, for example, they may be described as: a processor includes a determination module, a first update module, a receiving module, and a second update module. The names of these units or modules do not, in some cases, constitute limitations on the units or modules themselves, for example, the determination module may also be described as "a determination module for determining, at the end of the previous settlement cycle, a user account at the end time of the said end time."

[0095] The above description is only a preferred embodiment of the present application and an explanation of the technical principles used. Those skilled in the art should understand that the scope of the invention involved in the present application is not limited to the technical solution formed by a specific combination of the above technical features, but should also cover other technical solutions formed by any combination of the above technical features or their equivalent features without departing from the inventive concept. For example, the above features are replaced with (but not limited to) technical features with similar functions disclosed in the present application.

Claims

1. A liquidation processing method based on difference value, characterized in that: The method is performed by the second server, and the method includes: At the end of the previous settlement period, determine the ending balance of the user account at the end of the period; At any time in the current settlement cycle, receiving at least one first legitimate transaction request sent by a user terminal, and updating the ending balance to the first asset value; Receiving the opening balance of the user account sent by the first server; updating the first asset value to a second asset value based on the first asset value, the beginning balance, and the ending balance, wherein the beginning balance is determined by the first server at the end of the last settlement cycle by clearing at least one transaction information of the user account in the last settlement cycle; The updating of the first asset value to a second asset value based on the first asset value, the beginning balance and the ending balance comprises: determining the difference between the beginning balance and the ending balance; Get the time value at which the opening balance is received; querying a first asset value corresponding to the time value according to the time value; The sum of the difference value and the first asset value is determined as a second asset value.

2. The method according to claim 1, characterized in that Before receiving the opening balance of the user account sent by the first server, the method further includes: Determine first transaction information corresponding to each of the first legitimate transaction requests, the first transaction information including a first initiation time of the first transaction request and a first asset value corresponding to the first initiation time; At least one of the first transaction information is sent to the first server for storage.

3. The method according to claim 1, characterized in that The method further comprises: receiving at least one second legitimate transaction request and updating a second asset value in the user account; Determining second transaction information corresponding to each of the second legitimate transaction requests, the second transaction request including a second initiation time of the second legitimate transaction request and a second asset value corresponding to the second initiation time; Send at least one of the second transaction information to the first server for storage.

4. The method according to any one of claims 1 to 3, characterized in that: Determining the ending balance of the user account at the end time includes: Obtaining an initiation time corresponding to at least one legitimate transaction request of the user account received in a previous settlement cycle; Determining the asset value corresponding to the latest initiation time among the initiation times; The asset value corresponding to the latest initiation time is determined as the ending balance, and the ending balance and the time value corresponding to the ending balance are stored.

5. A settlement processing system based on difference value, characterized in that: include: A first server, a second server and a user terminal, The first server is used to settle at least one transaction information of the user account in the previous settlement cycle to determine the initial balance at the end time of the previous settlement cycle, and send the initial balance to the second server; The second server is used to receive the opening balance sent by the first server, determine the difference between the opening balance and the closing balance, obtain the time value when the opening balance is received, query the first asset value corresponding to the time value according to the time value, and determine the sum of the difference value and the first asset value as the second asset value. The closing balance is the asset value of the user account determined by the second server at the end time of the previous settlement cycle, and the first asset value is determined by the second server after the end time of the previous settlement cycle and before receiving the opening balance, by using the closing balance to process at least one first legitimate transaction request sent by the user terminal and update the closing balance.

6. The system according to claim 5, characterized in that The second server is configured to determine first transaction information corresponding to each of the first legitimate transaction requests, and send at least one of the first transaction information to the first server, wherein the first transaction information includes a first initiation time of the first transaction request and a first asset value corresponding to the first initiation time; The first server is used to receive and store the first transaction information.

7. The system according to claim 5, characterized in that The second server is configured to receive at least one second legitimate transaction request sent by the user terminal, update the second asset value in the user account, determine second transaction information corresponding to each second legitimate transaction request, and send at least one second transaction information to the first server, wherein the second transaction request includes a second initiation time of the second legitimate transaction request and a second asset value corresponding to the second initiation time; The first server is used to receive and store the second transaction information.

8. A settlement processing device based on difference value, characterized in that: include: A determination module, configured to determine, at the end time of the previous settlement cycle, the ending balance of the user account at the end time; A first updating module is configured to receive at least one first legitimate transaction request sent by a user terminal at any time in the current settlement cycle, and update the ending balance to a first asset value; A receiving module, configured to receive the opening balance of the user account sent by the first server; A second updating module is configured to update the first asset value to a second asset value based on the first asset value, the beginning balance and the ending balance, wherein the beginning balance is determined by the first server at the end of the last settlement cycle by clearing at least one transaction information of the user account in the last settlement cycle; The second update module is configured as follows: determining the difference between the beginning balance and the ending balance; Get the time value at which the opening balance is received; querying a first asset value corresponding to the time value according to the time value; The sum of the difference value and the first asset value is determined as a second asset value.

9. A computer device, characterized in that: The computer device comprises a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor is configured to implement the method according to any one of claims 1 to 4 when executing the program.

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