Fund unfreezing method, device, equipment and storage medium

Abstract

The present application provides a fund unfreezing method, apparatus, device, and storage medium, relating to the field of data analysis technology, and used to improve fund unfreezing efficiency. The method comprises: determining a target automatic unfreezing rule for the frozen transaction from a plurality of preset automatic unfreezing rules based on the type of the frozen transaction; wherein the type includes the transaction type and the account type; the preset automatic unfreezing rules include a transaction-by-transaction automatic unfreezing rule and a full automatic unfreezing rule; the transaction-by-transaction automatic unfreezing rule is used to instruct the user to unfreeze the unfrozen funds required by the frozen transaction in multiple transactions and unfreeze them sequentially; the full automatic unfreezing rule is used to instruct the user to unfreeze all the unfrozen funds required by the frozen transaction at once; and the frozen transaction is automatically unfrozen according to the target automatic unfreezing rule.

Description

Technical Field

[0001] The present application relates to the field of data analysis technology and provides a fund unfreezing method, device, equipment and storage medium. Background Art

[0002] Currently, to ensure fund security, existing technologies freeze transaction funds by setting "incoming account freezing rules." For example, when the incoming funds exceed the set amount, or when there is uncertainty in the counterparty's information, the funds deposited in the transaction are frozen to generate a freezing transaction. Subsequently, when the user needs to use these incoming funds, the frozen transaction needs to be unfrozen. However, in the traditional unfreezing method, the corresponding frozen transaction is first identified through "manual query." Then, the unfreezing process is initiated through "manual entry" to apply for "manual unfreezing," resulting in very low unfreezing efficiency. Furthermore, in the existing technology, there has emerged a tool for freezing and unfreezing incoming funds. Based on the incoming account freezing and unfreezing tool, in the process of unfreezing incoming funds, users can initiate a manual unfreezing process through online banking to realize the online submission of the "manual unfreeze" application. Then, the staff can manually unfreeze the incoming funds based on the application submitted by the user. Although this technology eliminates the process of manual inquiry, there are still many links of manual intervention, which makes the process long, time-consuming and inefficient. Summary of the Invention

[0003] The embodiments of the present application provide a fund unfreezing method, apparatus, device, and storage medium for improving the efficiency of fund unfreezing.

[0004] In one aspect, a method for unfreezing funds is provided, the method comprising:

[0005] Determining a target automatic unfreeze rule for the frozen transaction from a plurality of preset automatic unfreeze rules based on the type of the frozen transaction; wherein the type includes the transaction type and the account type; the preset automatic unfreeze rules include a transaction-by-transaction automatic unfreeze rule and a full automatic unfreeze rule; the transaction-by-transaction automatic unfreeze rule is used to instruct the user to unfreeze the frozen funds required by the frozen transaction in multiple transactions in sequence; the full automatic unfreeze rule is used to instruct the user to unfreeze all the frozen funds required by the frozen transaction in one transaction;

[0006] The frozen transaction is automatically unfrozen according to the target automatic unfreezing rule.

[0007] It can be seen that in the embodiment of the present application, since multiple automatic unfreezing rules are pre-set for different types of frozen transactions, when unfreezing the frozen funds required by the user in the frozen transaction, the target automatic unfreezing rule for the frozen transaction can be determined directly from multiple preset automatic unfreezing rules according to the type of the frozen transaction; thus, the frozen transaction can be automatically unfrozen directly according to the target automatic unfreezing rule, so as to achieve the purpose of improving the efficiency of fund unfreezing.

[0008] In one aspect, a fund unfreezing device is provided, comprising:

[0009] a thawing rule determination unit, configured to determine, based on the type of the frozen transaction, a target automatic thawing rule for the frozen transaction from a plurality of preset automatic thawing rules; wherein the type includes a transaction type and an account type; the preset automatic thawing rules include a transaction-by-transaction automatic thawing rule and a full automatic thawing rule; the transaction-by-transaction automatic thawing rule is configured to instruct the user to thawing the funds required for thawing in the frozen transaction to be thawing in batches; the full automatic thawing rule is configured to instruct the user to thawing the funds required for thawing in the frozen transaction to be thawing all at once;

[0010] The frozen transaction unfreezing unit is used to automatically unfreeze the frozen transaction according to the target automatic unfreezing rule.

[0011] In a possible implementation, the thawing rule determination unit is specifically configured to:

[0012] If the type of the frozen transaction is a transaction type, determining, from a plurality of preset automatic unfreezing rules, that a target automatic unfreezing rule for the frozen transaction is a transaction-by-transaction automatic unfreezing rule;

[0013] If the type of the frozen transaction is an account type, then from a plurality of preset automatic unfreezing rules, it is determined that the target automatic unfreezing rule for the frozen transaction is the all automatic unfreezing rule.

[0014] In a possible implementation, the frozen transaction unfreezing unit is specifically configured to:

[0015] generating a first target unfreezing plan for the frozen transaction according to the transaction-by-transaction automatic unfreezing rule; wherein the first target unfreezing plan includes at least one sub-unfreezing plan, and each sub-unfreezing plan corresponds to one transaction of unfrozen funds;

[0016] Determine in sequence whether the current date exceeds the preset thawing date of each sub-thawing plan;

[0017] For any of the sub-unfreeze plans, if it is determined that the current date does not exceed the preset unfreeze date of any of the sub-unfreeze plans, the frozen transaction is automatically unfrozen according to the sub-unfreeze plan.

[0018] In a possible implementation, the execution status updating unit is configured to:

[0019] determining whether the total unfrozen funds obtained after the automatic unfreezing of the frozen transaction is equal to the funds planned to be unfrozen in the first target unfreezing plan;

[0020] If it is determined that the amount is equal to the funds planned to be unfrozen in the first target unfreezing plan, updating the execution status of the freezing transaction to success;

[0021] If it is determined that the amount is not equal to the funds planned to be unfrozen in the unfreezing plan, the execution status of the frozen transaction is updated to failure, and the reason for the failure is recorded.

[0022] In a possible implementation, the frozen transaction unfreezing unit is specifically configured to:

[0023] generating a second target unfreezing plan for the frozen transaction according to the all automatic unfreezing rules; wherein the second target unfreezing plan includes a sub-unfreezing plan;

[0024] determining whether a preset thawing date of the second target thawing plan is after the current date;

[0025] If it is determined that the preset unfreezing date of the second target unfreezing plan is after the current date, the frozen transaction is automatically unfrozen according to the second target unfreezing plan.

[0026] In a possible implementation, the execution status updating unit is configured to:

[0027] Determining whether the total unfrozen funds obtained after the automatic unfreezing of the frozen transaction is not less than the preset unfreezing amount;

[0028] If it is determined that the amount is not less than the preset unfreezing amount, the execution status of the freezing transaction is updated to success;

[0029] If it is determined that the amount is less than the preset unfreezing amount, the execution status of the frozen transaction is updated to failure, and the reason for the failure is recorded.

[0030] In a possible implementation manner, the frozen transaction unfreezing unit is further specifically configured to:

[0031] Determining whether there is a record of automatic unfreezing for each frozen transaction; wherein each sub-unfreezing plan in the record of automatic unfreezing is executable;

[0032] If it is determined that there is a record of automatic unfreezing for each transaction of the frozen transaction, the remaining funds in the frozen transaction are automatically unfrozen for each transaction according to the unfreezing plan in the record;

[0033] If it is determined that there is no record of automatic unfreezing of each frozen transaction, the execution result of the frozen transaction is queried.

[0034] In one aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method described in the above aspects when executing the computer program.

[0035] In one aspect, a computer storage medium is provided, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the steps of the method described in the above aspect are implemented.

[0036] In one aspect, a computer program product is provided, on which computer program code is stored. When the computer program code is run on a computer, the steps of the method described in the above aspect are implemented. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the following briefly introduces the drawings required for use in the embodiments or related technical descriptions. Obviously, the drawings described below are only embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0038] Figure 1 A schematic diagram of an application scenario provided in an embodiment of the present application;

[0039] Figure 2 A schematic diagram of a flow chart of a method for unfreezing funds provided in an embodiment of the present application;

[0040] Figure 3 A flowchart showing the unfreezing of funds according to the automatic unfreezing rule for each transaction;

[0041] Figure 4 A schematic diagram of a process for determining the execution status of a frozen transaction A provided in an embodiment of the present application;

[0042] Figure 5 A schematic diagram of a process for unfreezing funds according to all automatic unfreezing rules;

[0043] Figure 6 Another flowchart for determining the execution status of a frozen transaction provided in an embodiment of the present application;

[0044] Figure 7 This is a flowchart showing the coexistence of both transaction-by-transaction automatic unfreezing rules and account-by-account automatic unfreezing rules;

[0045] Figure 8 A schematic diagram of a process for setting an automatic thawing process provided in an embodiment of the present application;

[0046] Figure 9 A schematic diagram of the automatic defrost setting page provided in an embodiment of the present application;

[0047] Figure 10 A schematic diagram of the structure of the fund unfreezing device provided in an embodiment of the present application;

[0048] Figure 11 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0049] In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application. Unless there is a conflict, the embodiments in the present application and the features in the embodiments can be combined with each other arbitrarily. Moreover, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here. In addition, in the technical solution of the present application, the collection, dissemination, use, etc. of data are in compliance with the requirements of relevant national laws and regulations.

[0050] In the traditional unfreezing method, the corresponding frozen transaction is first identified through "manual query", and then the unfreezing process is initiated through "manual entry" to apply for "manual unfreezing", resulting in very low unfreezing efficiency. Furthermore, in the existing technology, there are tools for freezing and unfreezing incoming funds. Based on this incoming account freezing and unfreezing tool, during the unfreezing of incoming funds, users can initiate a manual unfreezing process through online banking to submit a "manual unfreezing" application online. Then, staff can manually unfreeze the incoming funds based on the application submitted by the user. Although this technology eliminates the process of manual query, there are still many links of manual intervention, resulting in a long, time-consuming and inefficient process.

[0051] Based on this, in the embodiment of the present application, it is possible to determine from a plurality of preset automatic unfreezing rules whether the target automatic unfreezing rule for the frozen transaction is a transaction-by-transaction automatic unfreezing rule or a full automatic unfreezing rule, based on whether the type of the frozen transaction is a transaction type or an account type. Then, the frozen transaction can be automatically unfrozen according to the determined target automatic unfreezing rule. It can be seen that in the embodiment of the present application, since a plurality of automatic unfreezing rules are pre-set for different types of frozen transactions, when unfreezing the frozen funds required by the user in the frozen transaction, the target automatic unfreezing rule for the frozen transaction can be directly determined from a plurality of preset automatic unfreezing rules according to the type of the frozen transaction. Thus, the frozen transaction can be directly automatically unfrozen according to the target automatic unfreezing rule, so as to achieve the purpose of improving the efficiency of fund unfreezing.

[0052] After introducing the design concepts of the embodiments of the present application, the following briefly introduces the application scenarios to which the technical solutions of the embodiments of the present application can be applied. It should be noted that the application scenarios introduced below are only used to illustrate the embodiments of the present application and are not limiting. In the specific implementation process, the technical solutions provided by the embodiments of the present application can be flexibly applied according to actual needs.

[0053] like Figure 1 As shown, it is a schematic diagram of an application scenario provided by an embodiment of the present application, wherein the application scenario of fund unfreezing may include a fund unfreezing device 10.

[0054] The fund unfreezing device 10 can be a computer device with certain processing capabilities, such as a personal computer (PC), a laptop, or a server. The server can be a standalone physical server, a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms, but is not limited to these. The fund unfreezing device 10 may include one or more processors 101, a memory 102, and an I / O interface 103 for interacting with other devices. In addition, the fund unfreezing device 10 may be configured with a database 104, which can be used to store data such as the multiple preset automatic unfreezing rules involved in the solution provided in the embodiment of the present application. The memory 102 of the fund unfreezing device 10 can store program instructions for the fund unfreezing method provided in the embodiment of the present application. When executed by the processor 101, these program instructions can be used to implement the steps of the fund unfreezing method provided in the embodiment of the present application, thereby improving the efficiency of fund unfreezing.

[0055] In the embodiment of the present application, when the I / O interface 103 of the funds unfreezing device 10 detects that funds need to be unfrozen for a frozen transaction, it calls program instructions for the funds unfreezing method stored in the memory 102, and executes these program instructions through the processor 101 to automatically unfreeze the frozen funds required by the user in the frozen transaction according to the target automatic unfreezing rules, thereby achieving the purpose of improving the efficiency of fund unfreezing. In addition, during the execution of these program instructions, data such as multiple preset automatic unfreezing rules can also be stored in the database 104.

[0056] Of course, the method provided in the embodiment of the present application is not limited to Figure 1 The application scenarios shown can also be used in other possible application scenarios, and the embodiments of this application are not limited thereto. Figure 1 The functions that can be realized by each device in the application scenario shown will be described in the subsequent method embodiments, and will not be described in detail here.

[0057] like Figure 2 The figure is a flow chart of the method for unfreezing funds provided in the embodiment of the present application. The method can be performed by Figure 1 The method is executed by the fund unfreezing device 10, and the process of the method is described as follows.

[0058] Step 201: According to the type of the frozen transaction, a target automatic unfreezing rule for the frozen transaction is determined from a plurality of preset automatic unfreezing rules.

[0059] In an embodiment of the present application, the type may include a transaction type and an account type, and the preset automatic unfreeze rules may include a transaction-by-transaction automatic unfreeze rule and a full automatic unfreeze rule. The transaction-by-transaction automatic unfreeze rule may be used to instruct the user to unfreeze the funds required for a frozen transaction in multiple transactions in sequence. The transaction-by-transaction automatic unfreeze rule may contain multiple sub-unfreeze rules. The full automatic unfreeze rule may be used to instruct the user to unfreeze all the funds required for a frozen transaction at once. Furthermore, the user may set the specific amount of funds to be unfrozen for each transaction based on a percentage. For example, transaction-by-transaction automatic unfreeze rule 1 may contain three sub-unfreeze rules, wherein the first sub-unfreeze rule unfreezes 10% of all funds in the frozen transaction, the second sub-unfreeze rule unfreezes 20% of all funds in the frozen transaction, and the third sub-unfreeze rule unfreezes 30% of all funds in the frozen transaction. Similarly, for example, the full automatic unfreeze rule may unfreeze 80% of all funds in the frozen transaction at once.

[0060] In actual application, for frozen transactions in prepaid transactions (for example, transactions conducted in prepaid payment scenarios such as a training institution or driving school), in which prepaid fees are automatically released in batches on schedule, the type of frozen transaction can be set directly according to user needs when generating the frozen transaction. For example, in scenarios with high real-time requirements such as company A remitting money to company B, the type of frozen transaction for unfreezing frozen funds can be set as transaction type. In scenarios with low real-time requirements such as users paying water and electricity bills, the type of frozen transaction can be set as account type.

[0061] Furthermore, in an embodiment of the present application, when determining to unfreeze a frozen transaction, a target automatic unfreeze rule for the frozen transaction can be determined from multiple preset automatic unfreeze rules based on the type of the frozen transaction. Specifically, if the frozen transaction is a transaction type, the target automatic unfreeze rule for the frozen transaction can be determined from multiple preset automatic unfreeze rules to be a transaction-by-transaction automatic unfreeze rule; if the frozen transaction is an account type, the target automatic unfreeze rule for the frozen transaction can be determined from multiple preset automatic unfreeze rules to be a full automatic unfreeze rule.

[0062] Step 202: Automatically unfreeze the frozen transaction according to the target automatic unfreezing rule.

[0063] In the embodiment of the present application, after determining the target automatic unfreeze rule for a frozen transaction, the frozen transaction can be automatically unfrozen directly according to the content indicated in the target automatic unfreeze rule. Specifically, when the target automatic unfreeze rule is a transaction-by-transaction automatic unfreeze rule, the unfrozen funds required by the user in the frozen transaction can be unfrozen in multiple transactions in sequence according to the multiple sub-unfreeze rules contained in the transaction-by-transaction automatic unfreeze rule. When the target automatic unfreeze rule is a full automatic unfreeze rule, the unfrozen funds required by the user in the frozen transaction can be unfrozen all at once according to the content indicated by the full automatic unfreeze rule.

[0064] In a possible implementation, when automatically unfreezing a frozen transaction according to the automatic unfreezing rule, it is necessary to further consider whether the various sub-unfreezing plans included in the target unfreezing plan of the frozen transaction can be successfully executed, for example, whether the preset unfreezing date of each sub-unfreezing plan is after the current date, etc. In the embodiment of the present application, since the automatic unfreezing process of each frozen transaction is the same, for the sake of convenience of explanation, the following detailed description is given by taking the unfreezing of funds for frozen transaction A as an example. Figure 3 As shown, it is a flow chart of unfreezing funds according to the automatic unfreezing rules for each transaction provided in an embodiment of the present application. The specific process is described as follows.

[0065] Step 301: Generate a first target unfreezing plan for frozen transaction A based on the automatic unfreezing rule for each transaction.

[0066] In the embodiment of the present application, the first target unfreezing plan may include at least one sub-unfreezing plan, one sub-unfreezing plan corresponds to one amount of unfreezing funds, and one sub-unfreezing plan corresponds to one sub-unfreezing rule.

[0067] In practical applications, Table 1 shows a schematic diagram of generating a thawing plan based on a preset thawing date when the thawing ratio is less than 100%. In Table 1, the total thawing ratio for frozen transaction A under the automatic thawing rule for each transaction is 82%. Specifically, this 82% total thawing ratio is thawed by five sub-thawing rules: the first sub-thawing rule is 5%, the second sub-thawing rule is 20%, the third sub-thawing rule is 40%, the fourth sub-thawing rule is 2%, and the fifth sub-thawing rule is 15%. As shown in Table 1, each sub-thawing rule has a rule number.

[0068] Based on the user's need to unfreeze funds, different agreed unfreeze dates can be set for each sub-unfreeze rule. Furthermore, to facilitate remittance statistics and memorization, when generating a sub-unfreeze plan, the unfrozen funds can be processed by rounding up to the nearest hundred. As shown in Table 1, for the first sub-unfreeze plan, 5% of the total frozen funds of 11,111 yuan must be unfrozen, meaning that the first sub-unfreeze plan unfreezes 555.55 yuan. However, to facilitate remittance statistics and memorization, the 555.55 yuan can be rounded up to the nearest hundred, meaning that the first sub-unfreeze plan unfreezes 500 yuan.

[0069]

[0070] Table 1

[0071] In one possible implementation, when unfreezing frozen funds in a frozen transaction, the unfreezing ratio may be less than 100% as shown in Table 1 above, or may be equal to 100%. Table 2 shows a schematic diagram illustrating an unfreezing ratio of 100% and generating an unfreezing plan based on a preset unfreezing date. In Table 2, similar to Table 1, the total unfreezing ratio for frozen transaction A under the automatic unfreezing rule for each transaction is 100%. This total unfreezing ratio is then unfrozen using five sub-unfreezing rules: the first sub-unfreezing rule is 4%, the second sub-unfreezing rule is 20%, the third sub-unfreezing rule is 40%, the fourth sub-unfreezing rule is 20%, and the fifth sub-unfreezing rule is 16%. As shown in Table 2, each sub-unfreezing rule has a rule number.

[0072] Similar to Table 1, when the total unfreezing ratio is 100%, different unfreezing dates can also be set for each sub-unfreezing rule, and the unfrozen funds can be processed according to the method of rounding up to every hundred yuan. In addition, since the unfrozen funds corresponding to the sub-unfreezing plans are all funds after rounding up to 100 yuan, in order to ensure that all funds in the frozen transaction can be unfrozen, in this embodiment of the application, the last sub-unfreezing plan in each sub-unfreezing plan corresponding to the automatic unfreezing rule can be set to "full unfreezing" to solve the problem of small amounts remaining unfrozen after rounding up. As shown in Table 2, the last sub-unfreezing plan does not unfreeze according to the 177.76 yuan obtained by 16%, but unfreezes all the remaining 311 yuan in the frozen transaction. In addition, in this embodiment of the application, if the unfrozen funds after rounding up are 0, then the corresponding sub-unfreezing plan can be not generated.

[0073]

[0074] Table 2

[0075] Step 302: Determine in sequence whether the preset thawing date of each sub-thawing plan is after the current date.

[0076] In actual application, as shown in Table 1, assuming that the current date is 2022.05.03, in order to successfully execute each sub-thaw plan, the current date 2022.05.03 can be compared with the preset thaw dates of the 5 sub-thaw plans in Table 1. Furthermore, it can be seen that except for the preset thaw date of the first sub-thaw plan which is not after the current date, the preset thaw dates of the remaining 4 sub-thaw plans are all after the current date.

[0077] Step 303: For any of the sub-unfreeze plans, if it is determined that the preset unfreeze date of any sub-unfreeze plan is after the current date, the frozen transaction A is automatically unfrozen according to the sub-unfreeze plan.

[0078] In the embodiment of the present application, the above example is continued. Assuming that the current date is 2022.05.03, after determining the relationship between the preset unfreeze date of each sub-unfreeze plan and the current date, since the preset unfreeze date of the first sub-unfreeze plan is not after the current date, there is no need to execute this first sub-unfreeze plan. However, the preset unfreeze dates of the remaining 4 sub-unfreeze plans are all after the current date. Therefore, it is necessary to execute the remaining 4 sub-unfreeze plans, that is, it is necessary to automatically unfreeze the frozen transaction A in accordance with the remaining 4 sub-unfreeze plans in sequence. In addition, in an embodiment of the present application, when executing each sub-unfreeze plan, the "end-of-day unfreeze processing for each item" can be adopted. For example, continuing with the above example, it is determined that the remaining 4 sub-unfreeze plans need to be executed. Then, assuming that the corresponding sub-unfreeze plans can be processed starting at 8:00 pm on the preset unfreeze dates of these sub-unfreeze plans, that is, the second sub-unfreeze plan can be executed at 8:00 pm on 2022.05.04, the third sub-unfreeze plan can be executed at 8:00 pm on 2022.05.06, the third sub-unfreeze plan can be executed at 8:00 pm on 2022.05.08, and so on.

[0079] In one possible implementation, in addition to further determining whether each sub-unfreeze plan can be successfully executed based on a comparison of the preset unfreeze date of each sub-unfreeze plan with the current date, in this embodiment of the present application, it is also possible to further determine whether each sub-unfreeze plan can be successfully executed based on whether the number of frozen days of the frozen transaction reaches the preset number of frozen days of each sub-unfreeze plan. As shown in Table 3, a schematic table is provided for generating unfreeze plans based on a preset number of frozen days when the unfreeze ratio is less than 100%. Similar to Table 1, in Table 3, the total unfreeze ratio of the automatic unfreeze rule for each transaction A is 82%, and this 82% total unfreeze ratio is specifically divided into five sub-unfreeze rules for unfreezing, wherein the first sub-unfreeze rule is 5%, the second sub-unfreeze rule is 20%, the third sub-unfreeze rule is 40%, the fourth sub-unfreeze rule is 2%, and the fifth sub-unfreeze rule is 15%. As shown in Table 3, each sub-unfreeze rule has a rule sequence number.

[0080]

[0081]

[0082] Table 3

[0083] Similarly, based on the user's need to unfreeze funds, different preset freezing days can be set for each sub-unfreeze rule. Moreover, when generating a sub-unfreeze plan, the unfrozen funds can also be processed according to the rounding method of every hundred yuan.

[0084] Furthermore, in the embodiment of the present application, similar to determining whether each sub-unfreeze plan can be successfully executed based on a preset unfreeze date, when determining whether each sub-unfreeze plan can be successfully executed based on a preset number of days from the freeze date, after generating a first target unfreeze plan for frozen transaction A according to the automatic unfreeze rule for each transaction, it is possible to sequentially determine whether the pre-freeze number of days for each sub-unfreeze plan is less than the current number of days for the frozen transaction. Then, for any of the sub-unfreeze plans, if it is determined that the pre-freeze number of days for any of the sub-unfreeze plans is greater than the current number of days, the frozen transaction A can be automatically unfrozen according to that sub-unfreeze plan. Of course, similar to Table 2, when determining whether each sub-unfreeze plan can be successfully executed based on a preset number of days from the freeze date, the unfreeze ratio can also be equal to 100%.

[0085] In a possible implementation, after the frozen transaction is automatically unfrozen according to any sub-unfreezing plan, the execution status of the frozen transaction can also be determined. The following also takes the frozen transaction A as an example for detailed description. Figure 4 FIG. 1 is a flow chart of determining the execution status of frozen transaction A provided in an embodiment of the present application. The specific flow is described as follows.

[0086] Step 401: Determine whether the total unfrozen funds obtained after the automatic unfreezing process of the frozen transaction A is equal to the funds planned to be unfrozen in the first target unfreezing plan.

[0087] In the embodiment of the present application, the above example is continued. Assuming that the current date is 2022.05.03, and the first target unfreezing plan is as shown in Table 1 above, then, since the preset unfreezing date of the first sub-unfreezing plan is not after the current date, there is no need to execute this first sub-unfreezing plan. Therefore, the total unfrozen funds obtained after the automatic unfreezing processing of the frozen transaction A are 2200+4400+200+1600=8400 yuan. However, the funds planned to be unfrozen in the first target unfreezing plan are 8900 yuan, and 8400 yuan ≠ 8900 yuan.

[0088] Step 402: If it is determined that the amount is equal to the funds planned to be unfrozen in the first target unfreezing plan, the execution status of the freezing transaction A is updated to success.

[0089] In an embodiment of the present application, the execution status of the unfreezing plan may include several states, such as not executed, successful execution, failed execution, released (when the plan is deleted) and reversed (accounting transaction reversal). In order to facilitate the user to understand the unfreezing status of the frozen transaction A, after the execution status of the frozen transaction A is updated to success, that is, after updating to successful execution, the execution result of the frozen transaction A can be directly queried, and the queried execution result can be displayed on the user's terminal device for the user to view.

[0090] Step 403: If it is determined that the amount is not equal to the funds planned to be unfrozen in the unfreezing plan, the execution status of the freezing transaction A is updated to failure, and the reason for the failure is recorded.

[0091] In the embodiment of the present application, continuing with the above example, since 8,400 yuan ≠ 8,900 yuan, the execution status of frozen transaction A can be updated to failure, that is, updated to successful execution, and the reason for the failure can be recorded, for example, "the first sub-unfreeze plan failed to execute because the preset unfreeze date of the first sub-unfreeze plan is not after the current date." Similarly, to facilitate the user's understanding of the unfreezing status of frozen transaction A, after updating the execution status of frozen transaction A to failure, the execution result of frozen transaction A can also be directly queried and displayed on the user's terminal device for the user to view.

[0092] In a possible implementation, when automatically unfreezing a frozen transaction according to all automatic unfreezing rules, in order to determine whether all automatic unfreezing rules can be successfully executed, in the embodiment of the present application, it is also possible to determine whether all automatic unfreezing rules can be successfully executed based on whether the preset unfreezing date of all automatic unfreezing rules is after the current date. Since the automatic unfreezing process of each frozen transaction is the same, for the sake of convenience, the following detailed description is given by taking the unfreezing of funds in frozen transaction B as an example. Figure 5 As shown, it is a flow chart of unfreezing funds according to all automatic unfreezing rules provided in an embodiment of the present application. The specific process is described as follows.

[0093] Step 501: Generate a second target unfreezing plan for frozen transaction B based on all automatic unfreezing rules.

[0094] In the embodiment of the present application, the second target thawing plan only includes one sub-thawing plan.

[0095] In actual application, the unfreezing ratio of the all automatic unfreezing rule can be less than 100% or equal to 100%. For example, the total funds frozen in frozen transaction B are 1,000 yuan, and the all automatic unfreezing rule indicates that 80% of the total funds frozen in frozen transaction B should be unfrozen. Then, a second target unfreezing plan for frozen transaction B can be generated, which is "to unfreeze all 800 yuan in frozen transaction B at once."

[0096] Step 502: Determine whether the preset thawing date of the second target thawing plan is after the current date.

[0097] In actual application, assuming that the preset thawing date of the second target thawing plan is 2022.05.05 and the current date is 2022.05.03, it can be determined that the preset thawing date of the second target thawing plan is after the current date.

[0098] Step 503: If it is determined that the preset unfreeze date of the second target unfreeze plan is after the current date, the frozen transaction B is automatically unfrozen according to the second target unfreeze plan.

[0099] In actual application, following the above example, assuming that the second target unfreeze plan is "unfreeze all 800 yuan in frozen transaction B at once", then, after determining that the preset unfreeze date of the second target unfreeze plan is after the current date, the 800 yuan in frozen transaction B can be directly unfrozen at once according to the second target unfreeze plan. Of course, if it is determined that the preset unfreeze date of the second target unfreeze plan is not after the current date, then the second target unfreeze plan cannot be executed. In addition, in an embodiment of the present application, when specifically executing the second target unfreeze plan, the "end-of-day account unfreeze processing" can also be adopted. For example, continuing to use the above example, it is determined that the second target unfreeze plan needs to be executed. Then, assuming that the corresponding sub-unfreeze plan can be processed at 8:00 pm on the preset unfreeze date of the second target unfreeze plan, that is, the second target unfreeze plan can be executed at 8:00 pm on 2022.05.05.

[0100] In a possible implementation, in an embodiment of the present application, in addition to further determining whether each sub-thaw plan can be successfully executed based on a comparison between the preset thaw date of the second target thaw plan and the current date, it is also possible to further determine whether the second target thaw plan can be successfully executed based on whether the freezing days of the frozen transaction B reaches the preset freezing days of the second target thaw plan.

[0101] In a possible implementation, after the frozen transaction is automatically unfrozen according to the second target unfreezing plan, the execution status of the frozen transaction can also be determined. The following also takes the frozen transaction B as an example for detailed description. Figure 6 As shown, it is another flowchart of determining the execution status of a frozen transaction provided in an embodiment of the present application. The specific process is described as follows.

[0102] Step 601: Determine whether the total unfrozen funds obtained after the automatic unfreezing process of frozen transaction B is not less than the preset unfreezing amount.

[0103] In the embodiment of the present application, since the frozen transaction B only includes one sub-unfreeze plan in the second target unfreeze plan generated based on all automatic unfreeze rules, it is only necessary to determine whether the total unfrozen funds obtained after the automatic unfreeze processing of the frozen transaction B are sufficient. In other words, it is only necessary to determine whether the total unfrozen funds obtained after the automatic unfreeze processing of the frozen transaction B are not less than the preset unfreeze amount.

[0104] Step 602: If it is determined that the amount is not less than the preset unfreezing amount, the execution status of the frozen transaction B is updated to success.

[0105] In an embodiment of the present application, in order to facilitate the user to understand the unfreezing status of the frozen transaction B, after the execution status of the frozen transaction B is updated to success, the execution result of the frozen transaction B can be directly queried, and the queried execution result can be displayed on the user's terminal device for the user to view.

[0106] Step 603: If it is determined that the amount is less than the preset unfreezing amount, the execution status of the frozen transaction B is updated to failure, and the reason for the failure is recorded.

[0107] In the embodiment of the present application, assuming that the preset unfreeze amount is 800 yuan, then when it is determined that the preset unfreeze date of the second target unfreeze plan is not after the current date, that is, the second target unfreeze plan is not executed, the total unfrozen funds obtained after the automatic unfreeze processing of frozen transaction B will be 0 yuan. At this time, 0 yuan is less than 800 yuan. Obviously, the execution of the second target unfreeze plan of frozen transaction B has failed. Therefore, the execution status of frozen transaction B can be updated to failure, and the reason for the failure can be recorded, for example, the reason for failure is "the preset unfreeze date of the second target unfreeze plan is not after the current date, resulting in the failure of the second target unfreeze plan to execute." Similarly, in order to facilitate the user to understand the unfreeze status of frozen transaction B, after the execution status of frozen transaction B is updated to success, the execution result of frozen transaction B can also be directly queried, and the queried execution result can be displayed on the user's terminal device for the user to view.

[0108] In a possible implementation, in addition to the separate existence of the transaction-by-transaction automatic unfreeze rule and the account automatic unfreeze rule as described above, in the embodiment of the present application, the transaction-by-transaction automatic unfreeze rule and the account automatic unfreeze rule may also exist at the same time. The specific principle of their simultaneous existence is: first, ensure that sufficient funds are unfrozen through the account automatic unfreeze rule, and then execute the automatic unfreeze according to the first target unfreeze plan of the transaction-by-transaction automatic unfreeze rule. The following also takes the frozen transaction B as an example for detailed description. Figure 7 The figure shows a process diagram in which both the transaction-by-transaction automatic unfreezing rule and the account-by-account automatic unfreezing rule exist. The specific process is described as follows.

[0109] Step 701: Determine whether there is a record of automatic unfreezing of frozen transaction B.

[0110] In the embodiment of the present application, each sub-unfreeze plan in a record of automatic unfreeze is executable, that is, the preset unfreeze date of each sub-unfreeze plan is after the current date, or the preset number of freeze days of each sub-unfreeze plan is greater than the current number of freeze days. These sub-unfreeze plans in the record of automatic unfreeze can be generated according to the automatic unfreeze rules at the same time as the second target unfreeze plan is generated based on all automatic unfreeze rules. Of course, these sub-unfreeze plans can also be generated according to the automatic unfreeze rules after determining that the execution status of frozen transaction B has been updated to success or after determining that the execution status of frozen transaction B has been updated to failure.

[0111] Step 702: If it is determined that there is a record of automatic unfreezing for each frozen transaction B, the remaining funds in the frozen transaction B are automatically unfrozen according to each sub-unfreezing plan in the record of automatic unfreezing.

[0112] In an embodiment of the present application, since the various sub-unfreeze plans recorded in the automatic unfreeze record are sub-unfreeze plans that have been determined to be successfully executed, after determining that there is an automatic unfreeze record for frozen transaction B, the remaining funds in frozen transaction B can be automatically unfrozen directly according to the various sub-unfreeze plans in the automatic unfreeze record.

[0113] Step 703: If it is determined that there is no record of automatic unfreezing of each frozen transaction B, the execution result of the frozen transaction B is queried.

[0114] In an embodiment of the present application, in order to facilitate the user to understand the unfreezing status of the frozen transaction B, after determining that there is no automatic unfreezing record of the frozen transaction B, the execution result of the frozen transaction B can be directly queried, and the queried execution result can be displayed on the user's terminal device for the user to view.

[0115] In a possible implementation manner, before determining the target automatic unfreezing rule for the frozen transaction from a plurality of preset automatic unfreezing rules according to the type of the frozen transaction, in the embodiment of the present application, the automatic unfreezing process may also be set, such as Figure 8 As shown, it is a flow chart of setting the automatic thawing process provided in an embodiment of the present application, and the specific process is described as follows.

[0116] Step 801: According to the first information selected by the user, the thawing type of the frozen transaction is set to automatic thawing.

[0117] In the embodiment of the present application, the first information may include the thawing type of the frozen transaction. Figure 9(a) is a schematic diagram of a thawing type setting page provided in an embodiment of the present application. Figure 9 In (a), the drop-down menu includes two types of unfreeze: "manual unfreeze" and "automatic unfreeze". Then, the user can select the type of freeze that he wants to set in the drop-down menu. Furthermore, in actual application, after setting the unfreeze type of the freeze transaction to automatic unfreeze, when the incoming funds need to be unfrozen, the incoming funds can be automatically unfrozen directly according to the various automatic unfreeze rules that have been set. Of course, if the user sets the type of freeze transaction to "manual unfreeze", when the incoming funds need to be unfrozen, the incoming funds can be partially / fully unfrozen according to the single unfreeze, batch unfreeze or full unfreeze manually selected by the user. In addition, the manual unfreeze process is a real-time unfreeze process.

[0118] Step 802: All unfreezing rules for the frozen transaction of the account type are set according to the second information input by the user.

[0119] In the embodiment of the present application, the second information includes the thawing ratio of the frozen transaction and the preset thawing date / preset thawing days. Figure 9 (b) is a schematic diagram of the full automatic thawing rule setting page provided in the embodiment of the present application. Figure 9 In (b), the user can enter the thawing ratio that the user wants to set in the thawing ratio box. For example, 80% can be entered in the thawing ratio box, and the preset thawing date is 2022.05.06.

[0120] Step 803: Determine whether to delete the set thawing rule based on the third information selected by the user.

[0121] In practical applications, the third information can be yes / no. Figure 9 (c) is a schematic diagram of a thawing rule determination page provided in an embodiment of the present application. Figure 9 In (c), the drop-down menu includes two options, "Yes" and "No", and the user can determine whether to delete all the set unfreezing rules by selecting "Yes" or "No" in the drop-down menu.

[0122] Step 804: According to the fourth information input by the user, set the unfreezing rules for each frozen transaction of the transaction type.

[0123] In the embodiment of the present application, the fourth information includes the thawing ratio and the preset thawing date / preset thawing days of each sub-thawing rule of each thawing rule. Figure 9 (d) is a schematic diagram of a page for setting up automatic unfreezing rules for each transaction provided by an embodiment of the present application. Figure 9In (d), you can enter the number of sub-unfreeze rules you want to set in the Sub-unfreeze Rule Number box. For example, you can enter 5 in the Sub-unfreeze Rule Number box. That is, based on the set transaction-by-transaction unfreeze rule, a first target unfreeze plan containing 5 sub-unfreeze plans can be generated. Then, Figure 9 As shown in (d), five buttons of sub-unfreeze rules may appear on the page, and then, Figure 9 (e) is a schematic diagram of the first sub-unfreeze rule setting page provided in an embodiment of the present application. When the user clicks Figure 9 (d) Click the "First Sub-Unfreeze Rule" button to jump to the following Figure 9 (e) shows the settings page, in which Figure 9 In (e), the user can set the thawing ratio and the preset thawing date / preset thawing days of the first sub-thawing rule. Of course, after setting the thawing rules for each transaction, you can return to step 903 to determine whether to delete the set thawing rules, that is, if Figure 9 As shown in (c), the user can select "Yes" or "No" in the drop-down menu to determine whether to delete the set transaction-by-transaction unfreezing rules.

[0124] In one possible implementation, Table 4 shows a schematic diagram of the automatic thawing rules provided in the embodiment of the present application. In addition to setting various automatic thawing rules in the automatic thawing process according to the aforementioned content, various automatic thawing rules involved in the automatic thawing process can also be set according to the content specified in Table 4. The sequence number field is the sequence number set for each freeze rule.

[0125]

[0126]

[0127] Table 4

[0128] In one possible implementation, Table 4 shows a schematic diagram of the automatic thawing rules provided in the embodiment of the present application. In addition to setting various automatic thawing rules in the automatic thawing process according to the aforementioned content, various automatic thawing rules involved in the automatic thawing process can also be set according to the content specified in Table 4. The sequence number field is the sequence number set for each freeze rule.

[0129] In one possible implementation, as shown in Table 5, a schematic diagram of the automatic thawing plan provided in the embodiment of the present application is provided. In the embodiment of the present application, in addition to setting various automatic thawing plans in the automatic thawing process according to the aforementioned content, various automatic thawing plans involved in the automatic thawing process can also be set according to the content specified in Table 5. Among them, the frozen transaction sequence number is the sequence number set for each frozen transaction.

[0130]

[0131]

[0132] Table 5

[0133] To sum up, in the embodiment of the present application, since multiple automatic unfreezing rules are pre-set for different types of frozen transactions, when unfreezing the frozen funds required by the user in the frozen transaction, the target automatic unfreezing rule for the frozen transaction can be determined directly from multiple preset automatic unfreezing rules according to the type of the frozen transaction; thus, the frozen transaction can be automatically unfrozen directly according to the target automatic unfreezing rule, so as to achieve the purpose of improving the efficiency of fund unfreezing.

[0134] like Figure 10 As shown, based on the same inventive concept, an embodiment of the present application provides a fund unfreezing device, the device 100 comprising:

[0135] The unfreezing rule determination unit 1001 is configured to determine a target automatic unfreezing rule for a frozen transaction from a plurality of preset automatic unfreezing rules based on the type of the frozen transaction; wherein the type includes the transaction type and the account type; the preset automatic unfreezing rules include a transaction-by-transaction automatic unfreezing rule and a global automatic unfreezing rule; the transaction-by-transaction automatic unfreezing rule is configured to instruct the user to unfreeze the unfrozen funds required by the frozen transaction in multiple transactions in sequence; the global automatic unfreezing rule is configured to instruct the user to unfreeze all the unfrozen funds required by the frozen transaction in one transaction;

[0136] The frozen transaction unfreezing unit 1002 is configured to automatically unfreeze the frozen transaction according to the target automatic unfreezing rule.

[0137] In a possible implementation, the thawing rule determination unit 1001 is specifically configured to:

[0138] If the type of the frozen transaction is a transaction type, determining, from a plurality of preset automatic unfreezing rules, that a target automatic unfreezing rule for the frozen transaction is a transaction-by-transaction automatic unfreezing rule;

[0139] If the type of the frozen transaction is an account type, then from a plurality of preset automatic unfreezing rules, it is determined that the target automatic unfreezing rule for the frozen transaction is the all automatic unfreezing rule.

[0140] In a possible implementation, the frozen transaction unfreezing unit 1002 is specifically configured to:

[0141] generating a first target unfreezing plan for the frozen transaction according to the transaction-by-transaction automatic unfreezing rule; wherein the first target unfreezing plan includes at least one sub-unfreezing plan, and each sub-unfreezing plan corresponds to one transaction of unfrozen funds;

[0142] Determine in sequence whether the current date exceeds the preset thawing date of each sub-thawing plan;

[0143] For any of the sub-unfreeze plans, if it is determined that the current date does not exceed the preset unfreeze date of any of the sub-unfreeze plans, the frozen transaction is automatically unfrozen according to the sub-unfreeze plan.

[0144] In a possible implementation, the execution status updating unit 1003 is configured to:

[0145] determining whether the total unfrozen funds obtained after the automatic unfreezing of the frozen transaction is equal to the funds planned to be unfrozen in the first target unfreezing plan;

[0146] If it is determined that the amount is equal to the funds planned to be unfrozen in the first target unfreezing plan, updating the execution status of the freezing transaction to success;

[0147] If it is determined that the amount is not equal to the funds planned to be unfrozen in the unfreezing plan, the execution status of the frozen transaction is updated to failure, and the reason for the failure is recorded.

[0148] In a possible implementation, the frozen transaction unfreezing unit 1002 is specifically configured to:

[0149] generating a second target unfreezing plan for the frozen transaction according to the all automatic unfreezing rules; wherein the second target unfreezing plan includes a sub-unfreezing plan;

[0150] determining whether a preset thawing date of the second target thawing plan is after the current date;

[0151] If it is determined that the preset unfreezing date of the second target unfreezing plan is after the current date, the frozen transaction is automatically unfrozen according to the second target unfreezing plan.

[0152] In a possible implementation, the execution status updating unit 1003 is configured to:

[0153] Determining whether the total unfrozen funds obtained after the automatic unfreezing of the frozen transaction is not less than the preset unfreezing amount;

[0154] If it is determined that the amount is not less than the preset unfreezing amount, the execution status of the freezing transaction is updated to success;

[0155] If it is determined that the amount is less than the preset unfreezing amount, the execution status of the frozen transaction is updated to failure, and the reason for the failure is recorded.

[0156] In a possible implementation, the frozen transaction unfreezing unit 1002 is further specifically configured to:

[0157] Determining whether there is a record of automatic unfreezing for each frozen transaction; wherein each sub-unfreezing plan in the record of automatic unfreezing is executable;

[0158] If it is determined that there is a record of automatic unfreezing for each transaction of the frozen transaction, the remaining funds in the frozen transaction are automatically unfrozen for each transaction according to the unfreezing plan in the record;

[0159] If it is determined that there is no record of automatic unfreezing of each frozen transaction, the execution result of the frozen transaction is queried.

[0160] The device can be used to perform Figures 2 to 9 Therefore, for the functions that can be realized by each functional unit of the device, please refer to Figures 2 to 9 The description of the embodiment shown is omitted here. The functional units indicated by the dotted lines are non-essential functional units.

[0161] See Figure 11 Based on the same technical concept, an embodiment of the present application also provides a computer device 110, which may include a memory 1101 and a processor 1102.

[0162] The memory 1101 is used to store computer programs executed by the processor 1102. The memory 1101 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the computer device, etc. The processor 1102 may be a central processing unit (CPU), or a digital processing unit, etc. The specific connection medium between the above-mentioned memory 1101 and the processor 1102 is not limited in the embodiment of the present application. The embodiment of the present application is Figure 11 In the embodiment, the memory 1101 and the processor 1102 are connected via a bus 1103. The bus 1103 is connected to the processor 1102 via a bus 1103. Figure 11The bus 1103 can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 11 Only one thick line is used in the diagram, but this does not mean that there is only one bus or one type of bus.

[0163] Memory 1101 may be a volatile memory, such as random-access memory (RAM); or a non-volatile memory, such as read-only memory, flash memory, a hard disk drive (HDD), or a solid-state drive (SSD); or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but is not limited thereto. Memory 1101 may be a combination of the aforementioned memories.

[0164] The processor 1102 is configured to execute the following when calling the computer program stored in the memory 1101: Figures 2 to 9 The method executed by the device in the embodiment shown.

[0165] In some possible implementations, various aspects of the method provided in the present application may also be implemented in the form of a program product, which includes program code. When the program product is run on a computer device, the program code is used to enable the computer device to perform the steps of the method according to various exemplary embodiments of the present application described above in this specification. For example, the computer device may perform the following steps: Figures 2 to 9 The method described in the embodiment shown.

[0166] Those skilled in the art will understand that all or part of the steps of the above-mentioned method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it performs the steps of the above-mentioned method embodiments. The aforementioned storage medium includes various media that can store program codes, such as mobile storage devices, read-only memory (ROM), random access memory (RAM), magnetic disks or optical disks. Alternatively, if the above-mentioned integrated unit of the present invention is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the embodiment of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the methods described in various embodiments of the present invention. The aforementioned storage medium includes various media that can store program codes, such as mobile storage devices, ROM, RAM, magnetic disks or optical disks.

[0167] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present application.

[0168] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. A method for unfreezing funds, characterized in that: The method comprises: Determining, based on the type of the frozen transaction, a target automatic unfreeze rule for processing the frozen transaction from a plurality of preset automatic unfreeze rules; wherein the type includes a transaction type and an account type, the transaction type corresponds to a transaction-by-transaction unfreeze type in the automatic unfreeze type, and the account type corresponds to an account unfreeze type in the automatic unfreeze type; the preset automatic unfreeze rules include a transaction-by-transaction automatic unfreeze rule and a full automatic unfreeze rule; the transaction type corresponds to the transaction-by-transaction automatic unfreeze rule, and the account type corresponds to the full automatic unfreeze rule; the transaction-by-transaction automatic unfreeze rule is used to instruct the user's unfrozen funds required for the frozen transaction to be unfrozen in multiple transactions in sequence; the full automatic unfreeze rule is used to instruct the user's unfrozen funds required for the frozen transaction to be unfrozen all at once; generating a target unfreezing plan for the frozen transaction according to the target automatic unfreezing rule, wherein the target unfreezing plan includes one or more sub-unfreezing plans, each sub-unfreezing plan corresponding to one unfrozen fund; wherein different automatic unfreezing rules correspond to different unfreezing plans; Automatically unfreeze the frozen transaction according to the target unfreezing plan; The execution status of the freezing transaction is updated based on the total unfrozen funds obtained after the unfreezing process of the target unfreezing plan and the funds planned to be unfrozen in the target unfreezing plan.

2. The method according to claim 1, wherein The step of determining a target automatic unfreezing rule for processing the frozen transaction from a plurality of preset automatic unfreezing rules according to the type of the frozen transaction includes: If the type of the frozen transaction is a transaction type, determining, from a plurality of preset automatic unfreezing rules, that a target automatic unfreezing rule for the frozen transaction is a transaction-by-transaction automatic unfreezing rule; If the type of the frozen transaction is an account type, then from a plurality of preset automatic unfreezing rules, it is determined that the target automatic unfreezing rule for the frozen transaction is the all automatic unfreezing rule.

3. The method according to claim 2, wherein Generating a target unfreezing plan for the frozen transaction according to the target automatic unfreezing rule includes: generating a first target unfreezing plan for the frozen transaction according to the transaction-by-transaction automatic unfreezing rule; wherein the first target unfreezing plan includes at least one sub-unfreezing plan, and each sub-unfreezing plan corresponds to one transaction of unfrozen funds; The automatically unfreezing the frozen transaction according to the target unfreezing plan includes: Determine in sequence whether the current date exceeds the preset thawing date of each sub-thawing plan; For any of the sub-unfreeze plans, if it is determined that the current date does not exceed the preset unfreeze date of any of the sub-unfreeze plans, the frozen transaction is automatically unfrozen according to the sub-unfreeze plan.

4. The method according to claim 3, wherein The total unfrozen funds obtained after unfreezing according to the target unfreezing plan and the funds planned to be unfrozen in the target unfreezing plan are used to update the execution status of the freezing transaction, including: determining whether the total unfrozen funds obtained after the automatic unfreezing of the frozen transaction is equal to the funds planned to be unfrozen in the first target unfreezing plan; If it is determined that the amount is equal to the funds planned to be unfrozen in the first target unfreezing plan, updating the execution status of the freezing transaction to success; If it is determined that the amount is not equal to the funds planned to be unfrozen in the unfreezing plan, the execution status of the frozen transaction is updated to failure, and the reason for the failure is recorded.

5. The method according to claim 2, wherein Generating a target unfreezing plan for the frozen transaction according to the target automatic unfreezing rule includes: generating a second target unfreezing plan for the frozen transaction according to the all automatic unfreezing rules; wherein the second target unfreezing plan includes a sub-unfreezing plan; The automatically unfreezing the frozen transaction according to the target unfreezing plan includes: determining whether a preset thawing date of the second target thawing plan is after the current date; If it is determined that the preset unfreezing date of the second target unfreezing plan is after the current date, the frozen transaction is automatically unfrozen according to the second target unfreezing plan.

6. The method according to claim 5, wherein The total unfrozen funds obtained after unfreezing according to the target unfreezing plan and the funds planned to be unfrozen in the target unfreezing plan are used to update the execution status of the freezing transaction, including: Determining whether the total unfrozen funds obtained after the automatic unfreezing of the frozen transaction is not less than the preset unfreezing amount; If it is determined that the amount is not less than the preset unfreezing amount, the execution status of the freezing transaction is updated to success; If it is determined that the amount is less than the preset unfreezing amount, the execution status of the frozen transaction is updated to failure, and the reason for the failure is recorded.

7. The method according to claim 6, wherein After updating the execution status of the frozen transaction to success, the method includes: Determining whether there is a record of automatic unfreezing for each frozen transaction; wherein each sub-unfreezing plan in the record of automatic unfreezing is executable; If it is determined that there is a record of automatic unfreezing for each transaction of the frozen transaction, the remaining funds in the frozen transaction are automatically unfrozen for each transaction according to the unfreezing plan in the record; If it is determined that there is no record of automatic unfreezing of each frozen transaction, the execution result of the frozen transaction is queried.

8. A fund unfreezing device, characterized in that: The device comprises: a thawing rule determination unit, configured to determine, based on the type of a frozen transaction, a target automatic thawing rule for processing the frozen transaction from a plurality of preset automatic thawing rules; wherein the type includes a transaction type and an account type, the transaction type corresponding to the transaction-by-transaction thawing type in the automatic thawing type, and the account type corresponding to the account thawing type in the automatic thawing type; the preset automatic thawing rules include a transaction-by-transaction automatic thawing rule and a full automatic thawing rule, the transaction type corresponding to the transaction-by-transaction automatic thawing rule, and the account type corresponding to the full automatic thawing rule; the transaction-by-transaction automatic thawing rule is used to instruct the user's required thawing funds in the frozen transaction to be thawn sequentially in multiple transactions; the full automatic thawing rule is used to instruct the user's required thawing funds in the frozen transaction to be thawn all at once; A frozen transaction unfreezing unit is configured to generate a target unfreezing plan for the frozen transaction based on the target automatic unfreezing rule, wherein the target unfreezing plan includes one or more sub-unfreezing plans, and each sub-unfreezing plan corresponds to an amount of unfrozen funds; wherein different automatic unfreezing rules correspond to different unfreezing plans; automatically unfreeze the frozen transaction based on the target unfreezing plan; and update the execution status of the frozen transaction based on the total unfrozen funds obtained after unfreezing according to the target unfreezing plan and the funds planned to be unfrozen in the target unfreezing plan.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer storage medium having computer program instructions stored thereon, characterized in that: When the computer program instructions are executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

11. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is caused to execute the method according to any one of claims 1 to 7.

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