Fund voucher determination method and device, equipment, storage medium and program product

Abstract

The invention discloses a fund voucher determination method and device, equipment, a storage medium and a program product, and is applied to the field of data processing, and the method comprises the steps: obtaining a fund voucher application request sent by a user based on terminal equipment; obtaining target information of the user, a target fund amount applied by the to-be-applied fund voucher and an effective time period according to the application request; in response to the fact that the fund amount equivalent to the asset information is larger than or equal to the target fund amount, according to the target information, predicting a duration time period in which the user maintains the fund amount equivalent to the asset information; and generating a fund electronic certificate according to the target fund amount and outputting the fund electronic certificate in response to the fact that the continuous time period comprises the effective time period. According to the method and the device, the effective time period for the user to maintain the fund amount is predicted according to the target information of the user, the fund voucher required to be handled by the user is automatically checked, the information does not need to be checked manually, and the transaction efficiency of the fund voucher is improved.

Description

Technical Field

[0001] The present application belongs to the field of data processing technology, and in particular, relates to a method, device, equipment, storage medium and program product for determining a fund voucher. Background Art

[0002] Funds certificate refers to proof of funds, and users can use the proof of funds to exchange resources.

[0003] In the exemplary technology, when applying for a fund certificate, the amount applied for the fund certificate is reviewed manually, but the manual review requires checking the user's related assets, which takes a long time and results in low efficiency in handling the fund certificate. Summary of the invention

[0004] The embodiments of the present application provide a method, apparatus, device, storage medium and program product for determining a fund voucher, which are used to solve the problem of low efficiency in handling fund vouchers.

[0005] In a first aspect, an embodiment of the present application provides a method for determining a fund voucher, comprising:

[0006] Obtain the user's application request based on the fund certificate sent by the terminal device;

[0007] Acquire the target information of the user, the target amount of funds applied for by the fund voucher to be applied for, and the validity period of the fund voucher to be applied for according to the application request, wherein the target information includes the transaction information, income information, expenditure information, asset information, and replacement resource information of the user;

[0008] In response to the amount of funds equivalent to the asset information being greater than or equal to the target amount of funds, predicting, based on the target information, a duration period for which the user maintains the amount of funds equivalent to the asset information;

[0009] In response to the duration period including the valid time period, an electronic funds certificate is generated according to the target fund amount, and the electronic funds certificate is output.

[0010] In one embodiment, the step of obtaining the target amount of funds applied for the fund voucher to be applied for according to the application request includes:

[0011] Acquire the initial fund amount of the fund voucher to be applied for and the usage information of the fund voucher to be applied for according to the application request;

[0012] According to the usage information, the initial fund amount is modified to obtain the target fund amount.

[0013] In another embodiment, the step of outputting the electronic funds voucher includes:

[0014] Configure the printed voucher corresponding to the electronic fund voucher;

[0015] Configuring a first association relationship between the printed voucher and the electronic funds voucher;

[0016] Based on the first association relationship and the printing certificate, the electronic funds certificate is printed to output a paper funds certificate corresponding to the electronic funds certificate.

[0017] In another embodiment, the step of printing the electronic fund voucher based on the first association relationship and the printing voucher includes:

[0018] In the process of printing the electronic fund certificate based on the first association relationship and the printing certificate, detecting that the printing component fails, obtaining a first identifier of the printing certificate, and storing the first identifier in association with the electronic fund certificate;

[0019] Removing the first association relationship between the printed voucher and the electronic funds voucher, and deleting the printed voucher to terminate the printing of the electronic funds voucher;

[0020] In response to the printing component completing the repair, regenerating the printing voucher according to the first identifier associated with the electronic funds voucher, and configuring a second association relationship between the printing voucher and the electronic funds voucher;

[0021] Based on the second association relationship and the printing certificate, the electronic funds certificate is printed.

[0022] In another embodiment, the step of configuring a printed voucher corresponding to the electronic funds voucher includes:

[0023] determining the target group to which the user belongs according to the target information;

[0024] In response to the target group not being a designated group, a printed voucher corresponding to the electronic funds voucher is configured.

[0025] In another embodiment, after the step of determining the target group to which the user belongs according to the target information, the method further includes:

[0026] In response to the target group being a designated group, the electronic funds voucher is printed.

[0027] In another embodiment, after the step of generating the electronic fund voucher according to the target fund amount, the method further comprises:

[0028] Determining the voucher type of the electronic funds voucher;

[0029] Obtaining a storage template associated with the credential type;

[0030] A storage document corresponding to the electronic funds certificate is generated according to the storage template and the electronic funds certificate, and the storage document is associated with the second identification of the user and stored.

[0031] In a second aspect, an embodiment of the present application provides a fund voucher determination device, including:

[0032] A first acquisition module, used to acquire an application request for a fund voucher sent by a user based on a terminal device;

[0033] A second acquisition module is used to acquire the target information of the user, the target amount of funds applied for by the fund voucher to be applied for, and the validity period of the fund voucher to be applied for according to the application request, wherein the target information includes the transaction information, income information, expenditure information, asset information, and replacement resource information of the user;

[0034] A prediction module, configured to predict, in response to the amount of funds equivalent to the asset information being greater than or equal to the target amount of funds, a duration period for the user to maintain the amount of funds equivalent to the asset information based on the target information;

[0035] A generating module is used for generating an electronic fund certificate according to the target fund amount in response to the duration period including the valid time period, and outputting the electronic fund certificate.

[0036] In a third aspect, an embodiment of the present application provides a fund credential determination device, the device comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the fund credential determination method as described above is implemented.

[0037] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, characterized in that computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the method for determining funds credentials as described above is implemented.

[0038] In a fifth aspect, an embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device is able to execute the method for determining funds credentials as described above.

[0039] The method, device, equipment, storage medium and program product for determining the fund certificate of the embodiment of the present application obtains the application request for the fund certificate sent by the user based on the terminal device, obtains the user's target information, the target fund amount applied for the fund certificate to be applied for, and the valid time period of the fund certificate to be applied for according to the application request, and when the fund amount equivalent to the asset information in the target information is greater than the target fund amount, the duration of the fund amount at the level of the asset information is predicted based on the target information, and if the duration includes the valid time period, the electronic fund certificate is generated based on the target fund amount, and the electronic fund certificate is output. In the present application, the valid time period for the user to maintain the fund amount is predicted based on the user's target information, and the fund certificate required by the user is automatically reviewed, without the need to manually check the information for review, thereby improving the efficiency of handling the fund certificate. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0041] Figure 1 It is a schematic diagram of the scenario involved in the method for determining the funding voucher for this application;

[0042] Figure 2 It is a flowchart of the first embodiment of the method for determining the application funds voucher;

[0043] Figure 3 It is a flowchart of the second embodiment of the method for determining the application funds voucher;

[0044] Figure 4 It is a flowchart of the third embodiment of the method for determining the application funds voucher;

[0045] Figure 5 It is a flowchart of the fourth embodiment of the method for determining the application funds voucher;

[0046] Figure 6 It is a flowchart of the fifth embodiment of the method for determining the application funds voucher;

[0047] Figure 7 It is a functional module diagram of the device for determining the application funds voucher;

[0048] Figure 8 It is a structural diagram of the equipment for determining the funding voucher of this application. DETAILED DESCRIPTION

[0049] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0050] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0051] It should be noted that the acquisition, storage, use and processing of data in the embodiments of the present application are in compliance with the relevant provisions of national laws and regulations.

[0052] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0053] The fund voucher refers to a proof of funds, and the user can use the fund voucher to exchange resources. In the exemplary technology, when applying for the fund voucher, the amount applied for the fund voucher is manually reviewed.

[0054] The inventors of the present application have discovered that manual review requires checking the user's relevant assets, which takes a long time and results in low efficiency in handling fund certificates.

[0055] The inventor of the present application therefore conceived of predicting the effective time period for the user to maintain the amount of funds through the user's target information, and automatically reviewing the fund certificates that the user needs to handle, without the need for manual review of the information, thereby improving the efficiency of handling fund certificates.

[0056] Reference Figure 1 , Figure 1 This is a scenario diagram of the method for determining the funding voucher for this application. Figure 1 , the fund voucher determination device 100 receives the application request for the fund voucher sent by the user 200 based on the terminal device 300. The fund voucher determination device 100 obtains target information such as the user 100's transaction information, transaction information, expenditure information, asset information, and replacement resource information based on the application request, and obtains the target fund amount applied for the fund quality to be applied and the valid time period of the fund voucher to be applied. The fund voucher determination device 100 determines the fund amount equivalent to the asset information. If the fund amount equivalent to the asset information is greater than or equal to the target fund amount, the target information is used to predict the duration of the user's maintenance of the fund amount of the asset information. When the valid time period is within the duration period, a fund electronic voucher is generated based on the target fund amount, and the fund voucher determination device 100 then outputs the fund electronic voucher.

[0057] The following combination Figure 1 , a detailed description of the method for determining the funding voucher for this application is given.

[0058] Reference Figure 2 , Figure 2 FIG. 1 is a flow chart of a first embodiment of a method for determining a funding voucher of the present application. The method for determining a funding voucher includes:

[0059] Step S201, obtaining an application request for a fund certificate sent by a user based on a terminal device.

[0060] In this embodiment, the execution subject is a fund voucher determination device. For ease of description, the term "device" is used to refer to the fund voucher determination device. The device may be a terminal device of a fund voucher handling institution, such as a computer, a server, etc.

[0061] The user can load the application program for the fund voucher on his / her terminal device, and input the amount of funds required for the fund voucher on the application program. The terminal device generates an application request for the fund voucher based on the amount of funds and the user's identification, and the terminal device then sends the application request to the device. That is, the device receives the application request for the fund voucher sent by the user based on the terminal device.

[0062] Step S202, obtaining the user's target information, the target amount of funds applied for by the fund voucher to be applied for, and the valid time period of the fund voucher to be applied for according to the application request, the target information includes the user's transaction information, income information, expenditure information, asset information and replacement resource information.

[0063] After obtaining the application request, the device parses the application request to obtain the user identification and the amount of funds. After obtaining the user identification, the device obtains the target information associated with the user identification, which includes the user's transaction information, income information, expenditure information, asset information, and replacement resource information. Exemplarily, the user identification carries an authorization mark, which is authorized by the user based on the terminal device. The authorization mark is used to agree to obtain the user's target information. The device generates a data acquisition request based on the user identification with the authorization mark, and sends the data acquisition request to the personal information center. The personal information center parses the data acquisition request to obtain the user identification with the authorization mark, and the personal information terminal sends the target information associated with the user identification to the device. The personal information center can be a financial institution, that is, the device can obtain the user's target information through the financial institution. The device can support the application of fund certificates of different financial institutions, that is, provide cross-institutional fund certificate application services, without the need for users to apply for fund certificates at fixed financial institutions.

[0064] In one example, the application request also includes the valid time period for the user to apply for the fund voucher, that is, within the valid time period, the applied fund voucher is valid, that is, the user fills in the valid time period in the application application. The device can obtain the fund amount and the valid time period of the fund voucher to be applied for based on the application request, and the fund amount can be used as the target fund amount.

[0065] In another example, the funding certificate has a fixed validity period, for example, the validity period of the funding certificate is one and a half years, so the validity period of the funding certificate to be applied for can be determined by the validity period and the current time point.

[0066] Step S203, in response to the amount of funds equivalent to the asset information being greater than or equal to the target amount of funds, predicting the duration of the time period for which the user maintains the amount of funds equivalent to the asset information based on the target information.

[0067] After obtaining the target information, the device determines the amount of funds equivalent to the asset information based on the asset information in the target information. Exemplarily, the asset information includes deposits and real estate, and the real estate is converted into funds, and the sum of funds and deposits is the amount of funds equivalent to the asset information. Further, the device can determine the expenditure information and income information in the same time period, and the difference between the income information and the expenditure information is the revenue in the time period, and the sum of revenue, deposits and real estate is the amount of funds equivalent to the asset information.

[0068] After determining the amount of funds equivalent to the asset information, the device compares the amount of funds with the target asset amount. If the amount of funds equivalent to the asset information is greater than or equal to the target amount of funds, the device can determine that the funding certificate for the target amount of funds applied for by the user is allowed. The device then predicts the duration period for which the user maintains the asset amount equivalent to the asset information based on the target information.

[0069] Exemplarily, the device inputs the target information into the prediction model, and obtains the duration of the prediction model maintaining the amount of funds equivalent to the asset information. It should be noted that maintaining the amount of funds equivalent to the asset information refers to the duration of the amount of funds predicted by the target information being greater than the equivalent amount of funds. For example, if the amount of funds currently equivalent to the asset information is 100,000, then the amount of funds predicted based on the target information is greater than 100,000 in time period A, and therefore time period A is a duration period.

[0070] The prediction model is trained based on training samples. The training samples include the training user's target information, the amount of funds, and the maintenance time period of the amount of funds. It can be understood that the prediction model can be trained by learning the relationship between the user's target information, the amount of assets, and the maintenance time period.

[0071] Step S204, in response to the duration period including the valid time period, generating an electronic fund certificate according to the target fund amount, and outputting the electronic fund certificate.

[0072] After obtaining the duration period, the device determines whether the duration period includes a valid time period. When the duration period includes a valid time period, it can be determined that the user's asset information can support the use of the fund certificate, that is, the device determines that the risk of the user applying for the fund certificate is relatively low, and the device generates an electronic fund certificate based on the target fund amount, and then outputs the electronic fund certificate. The electronic fund certificate can be output by the device sending the electronic fund certificate to the user's terminal device, or by printing the electronic fund certificate to obtain a paper fund certificate, and sending a prompt message to the user's terminal device to prompt the user to obtain the paper fund certificate.

[0073] After generating the electronic funds certificate, the user can modify the target fund amount in the electronic funds certificate, that is, based on the terminal device sending an amount modification request in the electronic funds certificate, the device modifies the target fund amount in the electronic funds certificate based on the amount modification request.

[0074] In this embodiment, an application request for a fund voucher sent by a user based on a terminal device is obtained, and the user's target information, the target fund amount applied for by the fund voucher to be applied, and the valid time period of the fund voucher to be applied are obtained according to the application request. When the fund amount equivalent to the asset information in the target information is greater than the target fund amount, the duration of the fund amount at the level of the asset information is predicted based on the target information. If the duration includes a valid time period, a fund electronic voucher is generated based on the target fund amount, and the fund electronic voucher is output. In this application, the valid time period for the user to maintain the fund amount is predicted based on the user's target information, and the fund voucher that the user needs to handle is automatically reviewed, without the need to manually check the information for review, thereby improving the efficiency of handling fund vouchers.

[0075] Reference Figure 3 , Figure 3 This is a flow chart of the second embodiment of the method for determining the application fund voucher. Based on the first embodiment, step S202 includes:

[0076] Step S301, obtaining the initial fund amount of the fund voucher to be applied for and the purpose information of the fund voucher to be applied for according to the application request.

[0077] In this embodiment, the user fills in the amount of funds required to apply for the fund voucher in the terminal device, and the amount of funds is defined as the initial amount of funds. In addition, the user can also fill in the purpose information of the amount of funds to be applied in the terminal device, that is, the device can obtain the initial amount of funds and the purpose information by parsing the application request. The purpose information refers to the purpose of the user using the fund voucher, for example, using the fund voucher for resource replacement.

[0078] Step S302, modifying the initial fund amount according to the usage information to obtain the target fund amount.

[0079] The device determines the purpose of the fund certificate to be applied for based on the purpose information. If the purpose belongs to any preset purpose stored in the device, the fund certificate can be processed for the user.

[0080] In addition, if the purpose is different, the amount of funds that can be proved on the fund certificate to be applied for is also limited, so the device can modify the initial fund amount based on the purpose information to obtain the target fund amount. Exemplarily, the device determines based on the purpose information that the user applies for the fund certificate for resource replacement, and the amount of resource replacement is fixed, so the initial fund amount is modified by the fixed resource replacement. For example, the maximum amount of resource replacement is 200,000, then the amount of funds proved on the fund certificate is 100,000, and the initial fund amount is 150,000, then the initial fund amount is modified to 100,000.

[0081] Furthermore, the fund voucher includes a confirmation letter voucher, a transaction proof voucher, a deposit fund proof voucher and a capital contribution proof voucher. The device determines the voucher type of the fund voucher that the user needs to apply for based on the application request. If the voucher type is a deposit fund proof voucher, the initial fund amount is modified based on the purpose information. If the voucher type is a confirmation letter voucher, a transaction proof voucher or a capital contribution proof voucher, there is no need to modify the initial fund amount, and the initial fund amount is determined as the target fund amount.

[0082] In this embodiment, the device obtains the initial fund amount of the fund voucher to be applied for and the purpose information of the fund voucher to be applied for based on the application request, and then modifies the initial fund amount based on the purpose information to accurately obtain the target fund amount.

[0083] Reference Figure 4 , Figure 4 This is a flow chart of the third embodiment of the method for determining the application fund voucher. Based on the first or second embodiment, step S204 includes:

[0084] Step S401, configuring the printed voucher corresponding to the electronic fund voucher.

[0085] In this embodiment, the device outputs the electronic fund certificate in the form of printing the electronic version of the fund certificate into a paper fund certificate. The electronic version of the fund certificate is the electronic fund certificate, and the paper fund certificate is the paper fund certificate.

[0086] Before printing the electronic fund voucher, you need to configure the corresponding blank voucher for the electronic fund voucher. The blank voucher is the printed voucher.

[0087] Step S402: configuring a first association relationship between the printing voucher and the electronic fund voucher.

[0088] Step S403: Print the electronic funds certificate based on the first association relationship and the printing certificate to output a paper funds certificate corresponding to the electronic funds certificate.

[0089] After the printing voucher is configured, the printing voucher is associated and bound with the fund electronic voucher to obtain a first association relationship, and the first association relationship is stored.

[0090] When printing is required, the device prints the electronic funds certificate based on the first association relationship and the printing certificate, thereby outputting a paper funds certificate corresponding to the electronic funds certificate.

[0091] Exemplarily, the electronic fund voucher has parameters, and the device typeset each parameter in a print format, and then sets a second identifier for the typeset voucher, the second identifier being, for example, a print number. The device sends the first association relationship and the second identifier to the printing component, and the printing component verifies the printed voucher based on the first association relationship and the second identifier. After the verification is passed, the printed voucher is printed to obtain a paper fund voucher. The typesetting of the print format is, for example, automatic text typesetting, database field typesetting, and image automatic typesetting.

[0092] Furthermore, for users of a designated group, electronic certificates of funds can be directly printed without configuring printed certificates. The designated group is, for example, a recorded group that is registered on the device and has issued proof of a large amount of funds, so the electronic certificate of funds can be directly printed without printing certificates. The device determines the group to which the user belongs based on the target information, and the group is defined as a target group. The device determines whether the target group is a designated group. When the target group is not a designated group, a printed certificate corresponding to the electronic certificate of funds is configured. If the target group is a designated group, the electronic certificate of funds is directly printed.

[0093] In this embodiment, the device configures a printed voucher corresponding to the electronic funds voucher, and configures a first association relationship between the printed voucher and the electronic funds voucher, so as to print the electronic funds voucher based on the first association relationship and the printed voucher, so as to output the paper funds voucher corresponding to the electronic funds voucher to the user, so that the user can use the funds voucher.

[0094] Reference Figure 5 , Figure 5 This is a flow chart of the fourth embodiment of the method for determining the application fund voucher. Based on the third embodiment, step S403 includes:

[0095] Step S501, in the process of printing the electronic fund certificate based on the first association relationship and the printing certificate, detecting that a printing component fails, obtaining a first identifier of the printing certificate, and storing the first identifier in association with the electronic fund certificate.

[0096] In this embodiment, in the process of printing the electronic fund voucher based on the first association relationship and the printing voucher, the printing component may fail. If the printing component fails and is in operation, the printing component will not stop running and be repaired. In this regard, when the device detects that the printing component fails, it obtains the identification of the printing voucher, which is defined as the first identification, and the device first associates the first representation with the electronic fund voucher for storage.

[0097] Step S502, canceling the first association relationship between the printing voucher and the electronic funds voucher, and deleting the printing voucher to terminate the printing of the electronic funds voucher.

[0098] The device contacts the first association relationship between the printing certificate and the electronic fund certificate, and deletes the printing certificate. If the printing component does not detect the printing certificate and the first association relationship, the printing of the electronic fund certificate will be terminated, thereby entering the automatic repair state.

[0099] Step S503, in response to the printing component completing the repair, regenerating the printing certificate according to the first identifier associated with the electronic funds certificate, and configuring a second association relationship between the printing certificate and the electronic funds certificate.

[0100] When the printing component completes the repair, the printing component will send a prompt message to the device. If the device stores a fund electronic certificate printing task, the fund electronic certificate corresponding to the fund electronic certificate task will be determined, and then the first identifier associated with the fund electronic certificate will be obtained. The device regenerates the printing certificate through the first identifier, and then configures the second association relationship between the printing certificate and the fund electronic certificate.

[0101] Step S504: Print the electronic fund voucher based on the second association relationship and the printing voucher.

[0102] The device reprints the electronic fund voucher based on the second association relationship and the printing voucher.

[0103] In this embodiment, the device can realize the cancellation of the printing certificate, the regeneration of the printing certificate and the reprinting of the electronic fund certificate to ensure that the electronic fund certificate can be printed smoothly.

[0104] Reference Figure 6 , Figure 6 This is a flowchart of a fifth embodiment of the method for determining a funding voucher for an application, based on any one of the first to fourth embodiments, and after step S204, further comprising:

[0105] Step S601, determining the voucher type of the electronic funds voucher.

[0106] Step S602, obtaining a storage template associated with the credential type.

[0107] Step S603: Generate a storage document corresponding to the electronic fund certificate according to the storage template and the electronic fund certificate, and associate the storage document with the second identifier of the user for storage.

[0108] In this embodiment, after the device generates the electronic fund voucher, it needs to archive and store the electronic fund voucher. The device stores a plurality of storage templates, and the storage templates are associated with the voucher type of the electronic fund voucher.

[0109] In this regard, the device determines the voucher type of the electronic funds voucher, and then determines the storage module associated with the voucher type, thereby generating a storage document corresponding to the electronic funds voucher based on the storage template and the electronic funds voucher, and storing the storage document in association with the user's second identification.

[0110] In one example, the electronic fund voucher has different voucher types, and the data format on the electronic fund voucher is different. For example, if the electronic fund voucher type is a deposit certificate voucher, the data format of the electronic fund voucher is in XML format, and the device obtains a storage template in XML format to generate a storage document.

[0111] In another embodiment, after the device obtains the credential type, it determines a first product type corresponding to the credential type, where the product type is, for example, resource replacement. The device determines a second product type that is the same as or similar to the first product type, and then obtains a historical storage document of the second product type. The storage template associated with the historical storage document can be used as the storage template associated with the credential type.

[0112] In this embodiment, the device obtains a storage template based on the voucher type of the electronic funds voucher, thereby generating a storage document based on the storage template and the electronic funds voucher, and then stores the storage document to facilitate subsequent application backtracking of the funds voucher based on the storage document.

[0113] See also Figure 7 The fund voucher determination device 700 provided in the embodiment of the present application includes:

[0114] The first acquisition module 710 is used to acquire an application request for a fund certificate sent by a user based on a terminal device;

[0115] The second acquisition module 720 is used to acquire the user's target information, the target amount of funds applied for by the fund voucher to be applied for, and the valid period of the fund voucher to be applied for according to the application request. The target information includes the user's transaction information, income information, expenditure information, asset information, and replacement resource information;

[0116] Prediction module 730, for predicting a duration of time for the user to maintain the amount of funds equivalent to the asset information according to the target information in response to the amount of funds equivalent to the asset information being greater than or equal to the target amount of funds;

[0117] The generating module 740 is used to generate an electronic fund certificate according to the target fund amount in response to the duration period including the valid time period, and output the electronic fund certificate.

[0118] In one embodiment, the fund voucher determination device 700 is specifically used for:

[0119] Obtaining the initial amount of funds for the fund voucher to be applied for and the purpose information of the fund voucher to be applied for according to the application request;

[0120] According to the purpose information, the initial fund amount is modified to obtain the target fund amount.

[0121] In one embodiment, the fund voucher determination device 700 is specifically used for:

[0122] Configure the printed voucher corresponding to the electronic voucher of funds;

[0123] Configure a first association relationship between the printed voucher and the electronic fund voucher;

[0124] Based on the first association relationship and the printing voucher, the electronic funds voucher is printed to output a paper funds voucher corresponding to the electronic funds voucher.

[0125] In one embodiment, the fund voucher determination device 700 is specifically used for:

[0126] In the process of printing the electronic fund certificate based on the first association relationship and the printing certificate, detecting that a printing component has failed, obtaining a first identifier of the printing certificate, and storing the first identifier in association with the electronic fund certificate;

[0127] The first association relationship between the printed voucher and the electronic funds voucher is released, and the printed voucher is deleted to terminate the printing of the electronic funds voucher;

[0128] In response to the printing component completing the repair, regenerating the printing certificate according to the first identifier associated with the electronic funds certificate, and configuring a second association relationship between the printing certificate and the electronic funds certificate;

[0129] Based on the second association relationship and the printing voucher, the electronic fund voucher is printed.

[0130] In one embodiment, the fund voucher determination device 700 is specifically used for:

[0131] Determine the target group to which the user belongs based on the target information;

[0132] In response to the target group not being the designated group, a printed voucher corresponding to the electronic funds voucher is configured.

[0133] In one embodiment, the fund voucher determination device 700 is specifically used for:

[0134] In response to the target group being the designated group, the electronic fund voucher is printed.

[0135] In one embodiment, the fund voucher determination device 700 is specifically used for:

[0136] Determine the voucher type of the electronic fund voucher;

[0137] Get the storage template associated with the credential type;

[0138] A storage document corresponding to the electronic fund certificate is generated according to the storage template and the electronic fund certificate, and the storage document is associated with the second identification of the user and stored.

[0139] Each module of the fund voucher determination device provided in the embodiment of the present application can realize Figures 2 to 6 Any embodiment provides the functions of each step of the method for determining a fund voucher and can achieve its corresponding technical effect. For the sake of concise description, it will not be repeated here.

[0140] Figure 8 A schematic diagram of the hardware structure of a fund credential determination device provided in an embodiment of the present application is shown.

[0141] The fund credential determination device may include a processor 801 and a memory 802 storing computer program instructions.

[0142] Specifically, the processor 801 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0143] The memory 802 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 802 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In appropriate cases, the memory 802 may include a removable or non-removable (or fixed) medium. In appropriate cases, the memory 802 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 802 is a non-volatile solid-state memory.

[0144] In certain embodiments, the memory 802 may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage media device, an optical storage media device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to an aspect of the present disclosure.

[0145] The processor 801 implements any one of the authentication methods in the above embodiments by reading and executing computer program instructions stored in the memory 802 .

[0146] In one example, the fund voucher determination device may further include a communication interface 803 and a bus 810. Figure 8 As shown, the processor 801, the memory 802, and the communication interface 803 are connected via a bus 810 and communicate with each other.

[0147] The communication interface 803 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0148] Bus 810 includes hardware, software or both, and the parts of online data flow billing equipment are coupled to each other. For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front-end bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 810 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0149] The method for determining the funds voucher in the above embodiment can be implemented by providing a computer storage medium in the present application embodiment. The computer storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the methods for determining the funds voucher in the above embodiment is implemented.

[0150] An embodiment of the present application also provides a computer program product, including a computer program, which, when executed, implements any one of the fund voucher determination methods in the above embodiments.

[0151] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.

[0152] Aspects of the present disclosure are described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present disclosure. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable funds voucher determination device to produce a machine so that these instructions executed by the processor of the computer or other programmable funds voucher determination device enable the implementation of the functions / actions specified in one or more boxes of the flowchart and / or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field programmable logic circuit. It can also be understood that each box in the block diagram and / or flowchart and the combination of boxes in the block diagram and / or flowchart can also be implemented by dedicated hardware that performs the specified function or action, or can be implemented by a combination of dedicated hardware and computer instructions.

[0153] The above are only specific implementation methods of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.

Claims

1. A method for determining a fund voucher, characterized in that: include: Obtain the user's application request based on the fund certificate sent by the terminal device; Acquire the target information of the user, the target amount of funds applied for by the fund voucher to be applied for, and the validity period of the fund voucher to be applied for according to the application request, wherein the target information includes the transaction information, income information, expenditure information, asset information, and replacement resource information of the user; In response to the amount of funds equivalent to the asset information being greater than or equal to the target amount of funds, predicting, based on the target information, a duration period for which the user maintains the amount of funds equivalent to the asset information; In response to the duration period including the valid time period, an electronic funds certificate is generated according to the target fund amount, and the electronic funds certificate is output.

2. The method for determining a fund voucher according to claim 1, characterized in that: The step of obtaining the target amount of funds applied for by the fund voucher to be applied for according to the application request comprises: Acquire the initial fund amount of the fund voucher to be applied for and the usage information of the fund voucher to be applied for according to the application request; According to the usage information, the initial fund amount is modified to obtain the target fund amount.

3. The method for determining a fund voucher according to claim 1, characterized in that: The steps of outputting the electronic fund voucher include: Configure the printed voucher corresponding to the electronic fund voucher; Configuring a first association relationship between the printed voucher and the electronic funds voucher; Based on the first association relationship and the printing certificate, the electronic funds certificate is printed to output a paper funds certificate corresponding to the electronic funds certificate.

4. The method for determining a fund voucher according to claim 3, characterized in that: The step of printing the electronic fund voucher based on the first association relationship and the printing voucher comprises: In the process of printing the electronic fund certificate based on the first association relationship and the printing certificate, detecting that the printing component fails, obtaining a first identifier of the printing certificate, and storing the first identifier in association with the electronic fund certificate; Removing the first association relationship between the printed voucher and the electronic funds voucher, and deleting the printed voucher to terminate the printing of the electronic funds voucher; In response to the printing component completing the repair, regenerating the printing voucher according to the first identifier associated with the electronic funds voucher, and configuring a second association relationship between the printing voucher and the electronic funds voucher; Based on the second association relationship and the printing certificate, the electronic funds certificate is printed.

5. The method for determining a fund voucher according to claim 3, characterized in that: The step of configuring the printed voucher corresponding to the electronic funds voucher comprises: determining the target group to which the user belongs according to the target information; In response to the target group not being a designated group, a printed voucher corresponding to the electronic funds voucher is configured.

6. The method for determining a fund voucher according to claim 5, characterized in that: After the step of determining the target group to which the user belongs according to the target information, the method further includes: In response to the target group being a designated group, the electronic funds voucher is printed.

7. The method for determining a fund voucher according to any one of claims 1 to 6, characterized in that: After the step of generating the electronic fund voucher according to the target fund amount, the method further includes: Determining the voucher type of the electronic funds voucher; Obtaining a storage template associated with the credential type; A storage document corresponding to the electronic funds certificate is generated according to the storage template and the electronic funds certificate, and the storage document is associated with the second identification of the user and stored.

8. A fund voucher determination device, characterized in that: include: A first acquisition module, used to acquire an application request for a fund voucher sent by a user based on a terminal device; A second acquisition module is used to acquire the target information of the user, the target amount of funds applied for by the fund voucher to be applied for, and the validity period of the fund voucher to be applied for according to the application request, wherein the target information includes the transaction information, income information, expenditure information, asset information, and replacement resource information of the user; A prediction module, configured to predict, in response to the amount of funds equivalent to the asset information being greater than or equal to the target amount of funds, a duration period for the user to maintain the amount of funds equivalent to the asset information based on the target information; A generating module is used for generating an electronic fund certificate according to the target fund amount in response to the duration period including the valid time period, and outputting the electronic fund certificate.

9. A fund voucher determination device, characterized in that: The device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for determining funds credentials as described in any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the method for determining funds credentials as described in any one of claims 1 to 7.

11. A computer program product, characterized in that When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device is enabled to execute the method for determining funds credentials as described in any one of claims 1-7.

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