Digital wallet exchange rate calculation and display method, computer device and computer readable storage medium

Abstract

The invention provides a digital wallet exchange rate calculation and display method, a computer device and a computer readable storage medium, and the method comprises the steps: obtaining the account information of a target digital wallet, and recording the account type of the target digital wallet, binding the associated digital wallet having the association relationship with the target digital wallet with the target digital wallet; obtaining transaction data and account balance data from a source end service system; the transaction detail information of the target digital wallet is extracted from the transaction data, the account information of the transaction party is extracted, the account of the transaction party which is the associated digital wallet is obtained, and the transaction amount between the target digital wallet and the account of the transaction party which is the associated digital wallet is recorded as the exchange amount; and obtaining the daily redemption amount of the target digital wallet and the account balance of the day, calculating the daily redemption rate of the target digital wallet according to the daily redemption amount of the target digital wallet and the account balance of the day, and displaying the daily redemption rate of the target digital wallet in a preset mode. The invention further provides a computer device and a computer readable storage medium for implementing the method. According to the invention, the daily exchange rate of the digital wallet can be automatically calculated.

Description

Technical Field

[0001] The present invention relates to the technical field of digital wallet processing. Specifically, it relates to a method for calculating and displaying the redemption rate of a digital wallet, as well as a computer device and a computer-readable storage medium for implementing this method. Background Art

[0002] In enterprise financial management, the treasury system plays an important role. With the implementation of digital wallets, the continuous expansion of enterprise scale, and the increasing complexity of business, the management of digital wallets by the treasury system is also essential. With the implementation of digital wallets, the management method of using parent and child wallets for digital wallets can make the digital asset management of users more flexible and secure. Through the design of parent and child wallets, functions such as backup and recovery, budget control, risk management, and compliance requirements can be achieved.

[0003] With the implementation of digital wallets, there are more and more operations such as payments and transfers through digital wallets, and the redemption of digital currencies is also becoming more frequent. In order to better manage enterprise finances, it is necessary to count data such as the daily redemption rate of digital wallets. Therefore, the management of the daily redemption rate of digital wallets plays an important role in enterprise financial management.

[0004] However, the existing treasury systems used by enterprises fail to count and manage the redemption rate of digital wallets, cannot automatically calculate the redemption rate of digital wallets, and cannot display the daily redemption rate of digital wallets. Financial personnel cannot intuitively understand the changes in the daily redemption rate of digital wallets. On the other hand, since digital wallets are managed in the form of parent and child wallets, the existing treasury systems are unable to display information such as the daily redemption rate of different accounts according to the attributes of different accounts, and the flexibility of the treasury system is insufficient. Summary of the Invention

[0005] The first objective of the present invention is to provide a method for calculating and displaying the redemption rate of a digital wallet that can automatically count and display the daily redemption rate.

[0006] The second objective of the present invention is to provide a computer device for implementing the above method for calculating and displaying the redemption rate of a digital wallet.

[0007] The third objective of the present invention is to provide a computer-readable storage medium for implementing the above method for calculating and displaying the redemption rate of a digital wallet.

[0008] To achieve the first object of the present invention, the method for calculating and displaying the redemption rate of a digital wallet provided by the present invention includes obtaining the account information of the target digital wallet, recording the account type of the target digital wallet, and binding the associated digital wallet having an associated relationship with the target digital wallet to the target digital wallet; obtaining transaction data and account balance data from the source business system; extracting the transaction details information of the target digital wallet from the transaction data, and extracting the account information of the transaction party, obtaining the account of the associated digital wallet as the transaction party, and recording the transaction amount between the target digital wallet and the account of the associated digital wallet as the redemption amount; obtaining the daily redemption amount of the target digital wallet and the account balance of that day, calculating the daily redemption rate of the target digital wallet according to the daily redemption amount of the target digital wallet and the account balance of that day, and displaying the daily redemption rate of the target digital wallet in a preset manner.

[0009] As can be seen from the above solution, after the treasury system obtains the account information of the digital wallet, it can automatically obtain transaction information from the source business system, and the account type of the transaction party is the transaction amount of the digital wallet, thereby calculating the daily redemption amount of the target digital wallet. In addition, by counting the daily account balance of the target digital wallet, the daily redemption rate of the target digital wallet can be calculated. By displaying data such as the daily redemption rate every day, financial personnel can quickly understand the change of the daily redemption rate of the target digital wallet, and thus analyze the change of the redemption situation of the digital wallet.

[0010] A preferred solution is that calculating the daily redemption rate of the target digital wallet according to the daily redemption amount of the target digital wallet and the account balance of that day includes: calculating the sum of the daily redemption amount and the account balance of that day, and taking the ratio of the daily redemption amount to the sum as the daily redemption rate.

[0011] As can be seen, the calculation of the daily redemption rate of the target digital wallet is very simple, and the treasury system can quickly calculate the daily redemption rate data of the target digital wallet.

[0012] A further solution is that the associated digital wallet having an associated relationship with the target digital wallet includes: an associated digital wallet having a parent-child relationship with the target digital wallet.

[0013] As can be seen, by determining the associated digital wallet with a parent-child relationship and calculating the redemption rate of the target digital wallet, the amount paid by each sub-wallet to the parent wallet can be quickly calculated.

[0014] A further solution is to obtain that the target digital wallet is a sub-wallet and the associated digital wallet is the parent wallet of the target digital wallet. Preferably, the number of sub-wallets corresponding to one parent wallet is two or more.

[0015] It can be seen that the treasury system can calculate the daily redemption rate data of multiple sub-wallets separately, which is beneficial to the subsequent analysis and management of the redemption situation of each sub-wallet.

[0016] A further solution is that displaying the daily redemption rate of the target digital wallet in a preset manner includes: calculating the daily redemption rates of multiple sub-wallets separately and displaying the daily redemption rates of the multiple sub-wallets.

[0017] It can be seen that the daily redemption rates of each sub-wallet are calculated separately, which can more accurately reflect the fund flow situation of each sub-wallet, and the month-on-month change of the daily redemption rate of each sub-wallet can also be calculated, so as to support the penetration view of detailed data display. As the original data for calculation, the daily redemption rate is traceable.

[0018] A further solution is that displaying the daily redemption rate of the target digital wallet in a preset manner also includes: obtaining the specified date information for displaying the daily redemption rate, obtaining the daily redemption rate data of each day of the specified date and displaying it.

[0019] It can be seen that financial personnel can obtain the daily redemption rate data of a specific date according to actual usage needs, which is convenient for financial analysis.

[0020] To achieve the above second object, the computer device provided by the present invention includes a processor and a memory. The memory stores a computer program, and when the computer program is executed by the processor, each step of the above digital wallet redemption rate calculation and display method is implemented.

[0021] To achieve the above third object, a computer program is stored on a computer-readable storage medium, and when the computer program is executed by a processor, each step of the above digital wallet redemption rate calculation and display method is implemented. Description of the Drawings

[0022] Figure 1 is a structural block diagram of a system according to an embodiment of the digital wallet redemption rate calculation and display method of the present invention.

[0023] Figure 2 is a flowchart of an embodiment of the digital wallet redemption rate calculation and display method of the present invention.

[0024] The present invention will be further described below with reference to the accompanying drawings and embodiments. Detailed Embodiments

[0025] The method for calculating and displaying the redemption rate of the digital wallet of the present invention is implemented by a computer device, which can be the computer device deployed by the treasury system and can communicate with the source business system. The computer device of the present invention is provided with a processor and a memory, and a computer program is stored on the memory. The processor realizes the above-mentioned method for calculating and displaying the redemption rate of the digital wallet by executing the computer program.

[0026] Embodiment of the method for calculating and displaying the redemption rate of the digital wallet: See Figure 1 , the method for calculating and displaying the redemption rate of the digital wallet in this embodiment is applied to the treasury system 12. The treasury system 12 runs on a computer device and communicates with the source business system 11. The source business system 11 can be an account management system, a fund settlement system, etc. The treasury system 12 can obtain the account information of the digital wallet from the source business system 11, and can obtain transaction information, and count various data of the digital wallet according to the transaction records, including the data of the daily redemption rate.

[0027] The treasury system 12 can obtain transaction data and corresponding data source information, obtain associated information according to the transaction data corresponding data source information, and extract the account information of the transaction parties and the corresponding relationship between the parent and child wallets in the transaction data for processing, obtain the nature accuracy factor of the transaction parties, perform matching analysis on the transaction data, so as to obtain the transaction counterpart with the digital wallet parent-child binding relationship, extract transaction feature data, analyze and process the transaction feature data based on the parent-child binding relationship, and obtain the redemption amount data. Finally, this embodiment can process in combination with actual transaction data and obtain the data of the redemption rate. For group enterprises, this embodiment can support viewing the daily redemption amount of the digital wallets of each subordinate unit from the group level, comparing the daily redemption amount with the actual transaction data, generating the data of the redemption rate for each dimension on a daily, monthly, and annual basis according to the comparison results, and then facilitating the group enterprise to manage the fund usage of each subordinate unit. Further, if the group enterprise has multiple levels of units, the method of this embodiment can be applied to view and display the daily redemption amount and daily redemption rate and other information of all subordinate units according to the levels of each unit.

[0028] See Figure 2, in this embodiment, step S11 is first executed to obtain the account information of the target digital wallet, such as obtaining information such as the account number, the bank where the account is opened, and the account name of the digital wallet. Then, obtain the type of the target digital wallet, that is, obtain whether the digital wallet is a master wallet or a sub-wallet, and obtain the associated digital wallet that has an associated relationship with the target digital wallet. Here, having an associated relationship means a digital wallet that has a parent-child relationship with the target digital wallet. For example, if the target digital wallet is a sub-wallet, the associated digital wallet is the master wallet of the target digital wallet. Preferably, one master wallet can correspond to multiple sub-wallets. When obtaining the associated digital wallet with an associated relationship, the information of multiple sub-wallets should be obtained.

[0029] Then, bind the target digital wallet with one or more associated digital wallets. For example, set marker information for the target digital wallet and the associated digital wallets, and associate and bind the target digital wallet with multiple associated digital wallets based on this marker information.

[0030] Next, execute step S12 to obtain transaction data from the source business system 11, and extract the transaction amount from the transaction data. This transaction amount serves as the basis for calculating the redemption amount subsequently. Specifically, obtain the specific information of each transaction amount from the source business system 11, including the account information of the trading party, and determine the account type of the trading party based on the account information of the trading party, that is, determine whether the account of the trading party is also a digital wallet. In addition, obtain the daily account balance information of the target digital wallet, and the account balance information is used for calculating the daily redemption rate of the target digital wallet subsequently.

[0031] Then, execute step S13 to extract the transaction details of the target digital wallet from the transaction data obtained from the source business system 11, that is, each amount transferred or paid through the target digital wallet. Next, execute step S14 to extract the account information of the trading party based on the transaction details, and extract the accounts whose account type of the trading party is a digital wallet. Then, match the extracted account information of the trading party with the account type of the account information. If the account type of the trading party is a digital wallet and the trading party is an associated digital wallet of the target digital wallet, for example, the trading party is the master wallet of the target digital wallet, then include the transaction amount that meets the above conditions in the redemption amount.

[0032] Next, execute step S15 to count the daily redemption amount of the target digital wallet. Specifically, sum up the transactions of the target digital wallet included in the redemption amount every day to count the total daily redemption amount of the target digital wallet. Of course, if one master wallet corresponds to multiple sub-wallets, it is necessary to separately count the total daily redemption amount of each sub-wallet every day to facilitate subsequent calculations.

[0033] Then, step S16 is executed to calculate the daily redemption rate of the target digital wallet. Specifically, it is necessary to obtain the daily account balance of the target digital wallet, and use the daily redemption amount of the target digital wallet and the account balance to calculate the daily redemption rate of the target digital wallet. Specifically, it is necessary to calculate the sum of the daily redemption amount of the target digital wallet and the account balance on that day. Then, the ratio of the daily redemption amount to the sum is used as the daily redemption rate of the target digital wallet. Therefore, the formula for calculating the daily redemption rate can be expressed as follows: Daily redemption rate = Daily redemption amount / (Daily redemption amount + Daily account balance). After calculating the daily redemption rate for each day, the month-on-month change of the daily redemption rate of the target digital wallet can be calculated, thus forming data on the month-on-month change of the daily redemption rate.

[0034] Preferably, if a master wallet corresponds to multiple sub-wallets, the daily redemption rate of each sub-wallet can be calculated separately, and the daily redemption rate of each sub-wallet is also calculated using the above formula. In addition, the month-on-month change of the daily redemption rate of each sub-wallet can be calculated separately.

[0035] Finally, step S17 is executed to display the data of the daily redemption rate of the target digital wallet in a preset manner. For example, display the daily redemption rate of the target digital wallet every day according to the date, and the month-on-month situation can also be displayed. If the user specifies the date to be displayed, the redemption amount, daily redemption rate, month-on-month change of the daily redemption rate, etc. for each day are displayed according to the date specified by the user. In addition, the daily redemption rate can also be displayed by week, by month, etc.

[0036] For group enterprises, data such as the daily redemption amount and daily redemption rate of the digital wallets of subordinate units can be obtained, and the corresponding data can be displayed one by one according to each subordinate unit, which is convenient for group enterprises to manage the fund flow of subordinate units.

[0037] The present invention can automatically calculate data such as the daily redemption amount and daily redemption rate of the target digital wallet, and can also calculate the month-on-month change of the daily redemption rate. Moreover, by calculating the daily redemption amount, daily redemption rate and other data of associated digital wallets, it is convenient for other parts of the group to manage the fund situation of subordinate units, improving the financial processing efficiency of the enterprise.

[0038] Embodiment of the computer device: The computer device can be implemented on various electronic devices. The electronic device has a processor, a memory, and a computer program stored in the memory and executable on the processor, such as an information processing program for implementing the above information processing method. When the processor executes the computer program, each step of the above digital wallet redemption rate calculation and display method is implemented.

[0039] For example, a computer program can be divided into one or more modules. One or more modules are stored in a memory and executed by a processor to complete the various modules of the present invention. One or more modules can be a series of computer program instruction segments capable of performing specific functions, and these instruction segments are used to describe the execution process of the computer program in a terminal device.

[0040] The processor referred to in the present invention may be a central processing unit (CPU), or may also be other general-purpose processors, digital signal processors (DSPs), application specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc. The processor is the control center of the terminal device and connects various parts of the entire terminal device through various interfaces and lines.

[0041] The memory can be used to store computer programs and / or modules. The processor realizes various functions of the terminal device by running or executing the computer programs and / or modules stored in the memory, and by invoking the data stored in the memory. The memory mainly includes a program storage area and a data storage area. Among them, the program storage area can store an operating system, application programs required for at least one function, etc.; the data storage area can store data created according to the use of the mobile phone, etc. In addition, the memory may include high-speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card (FlashCard), at least one magnetic disk storage device, a flash memory device, or other volatile solid-state storage devices.

[0042] Computer-readable storage medium: If a computer program stored in a computer device is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, to implement all or part of the processes in the above-described embodiment methods, the present invention can also be completed by instructing relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium. When the computer program is executed by a processor, it can implement each step of the above-described input digital wallet redemption rate calculation and display method or the output digital wallet redemption rate calculation and display method.

[0043] Among them, the computer program includes computer program code, and the computer program code can be in the form of source code, object code, executable file, or some intermediate form, etc. The computer-readable medium can include: any entity or device capable of carrying computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disc, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electrical carrier signal, telecommunication signal, and software distribution medium, etc.

[0044] Finally, it should be emphasized that the above are only the preferred embodiments of the present invention and are not used to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A method for calculating and displaying a digital wallet redemption rate, characterized in that: include: Acquire the account information of the target digital wallet, record the account type of the target digital wallet, and bind the associated digital wallet associated with the target digital wallet to the target digital wallet; Obtain transaction data and account balance data from the source business system; Extracting transaction details of the target digital wallet from the transaction data, and extracting account information of the transaction party, obtaining an account of the transaction party being the associated digital wallet, and recording the transaction amount between the target digital wallet and the associated digital wallet as the redemption amount; The daily redemption amount of the target digital wallet and the account balance of that day are obtained, the daily redemption rate of the target digital wallet is calculated according to the daily redemption amount of the target digital wallet and the account balance of that day, and the daily redemption rate of the target digital wallet is displayed in a preset manner.

2. The method for calculating and displaying the redemption rate of a digital wallet according to claim 1, characterized in that: Calculating the daily redemption rate of the target digital wallet based on the daily redemption amount of the target digital wallet and the account balance of that day includes: calculating the sum of the daily redemption amount and the account balance of that day, and taking the ratio of the daily redemption amount to the sum as the daily redemption rate.

3. The method for calculating and displaying the redemption rate of a digital wallet according to claim 1, characterized in that: The associated digital wallet having an associated relationship with the target digital wallet includes: an associated digital wallet having a parent-child relationship with the target digital wallet.

4. The method for calculating and displaying the redemption rate of a digital wallet according to claim 3, characterized in that: The target digital wallet is obtained as a sub-wallet, and the associated digital wallet is the parent wallet of the target digital wallet.

5. The method for calculating and displaying the redemption rate of a digital wallet according to claim 4, characterized in that: The number of the sub-wallets corresponding to one parent wallet is more than two.

6. The method for calculating and displaying the redemption rate of a digital wallet according to claim 5, characterized in that: The daily redemption rate of the target digital wallet is displayed in a preset manner including: The daily redemption rates of the plurality of sub-wallets are calculated respectively, and the daily redemption rates of the plurality of sub-wallets are displayed.

7. The method for calculating and displaying the redemption rate of a digital wallet according to claim 6, characterized in that: Displaying the daily redemption rate of the target digital wallet in a preset manner also includes: obtaining the designated date information for displaying the daily redemption rate, and obtaining and displaying the daily redemption rate data for each day of the designated date.

8. A computer device, characterized in that It includes a processor and a memory, the memory stores a computer program, and when the computer program is executed by the processor, each step of the digital wallet redemption rate calculation and display method as described in any one of claims 1 to 7 is implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method for calculating and displaying the redemption rate of a digital wallet as described in any one of claims 1 to 7 are implemented.

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