1. A method for evaluating the capital risk of a financing lease enterprise is characterized by comprising the following steps:

acquiring financing-to-payment data associated with a plurality of financing contracts with floating interest rate types and rent-to-be-collected data associated with a plurality of leasing contracts;

calculating the single rent-to-be-received online profit sum value of the plurality of lease contracts according to the lease service interest rate adjustment value and the rent-to-be-received data;

calculating the single financing-to-money record online income gathering value of the financing contracts according to the financing service interest rate adjustment value and the financing-to-money data;

calculating the overall online income according to the difference between the single rent-to-be-collected online income aggregate value and the single financing-to-fund recording online income aggregate value;

and evaluating the capital risk of the enterprise according to the overall online income.

2. The method of claim 1, wherein calculating the single rental amount due online revenue collection value for the plurality of rental contracts based on the rental business interest rate adjustment value and the rental amount due data comprises:

calculating the single rent online profit value M to be charged of each lease contract according to the following formula:

M＝W*R1*D/365；

wherein, W represents the principal that does not contain tax in the due fee, R1 represents the rental business interest rate adjustment value, and D is 365- (rental business interest rate adjustment effective date-current date).

3. The method of claim 1 or 2, wherein calculating the single rental fee on-line profit value for the plurality of rental contracts based on the rental business interest rate adjustment value and the rental fee receivable data comprises:

calculating the single financing-to-money record online income value N of each financing contract according to the following formula:

N＝S*R2*T/365；

wherein, S represents the remaining principal, the remaining principal is the sum of money due by the time of the interest rate adjustment effective date minus the paid principal, R2 represents the financing service interest rate adjustment value, and T is 365- (the financing service interest rate adjustment effective date-the current date).

4. The method of claim 1 or 2, wherein said assessing capital risk of a business from said overall online revenue comprises:

determining a target income interval of the overall online income in the n income intervals; wherein n is an integer greater than 1, and each income interval is associated with a risk level;

and taking the fund risk level associated with the target income interval as the fund risk of the enterprise.

5. The method of claim 4, wherein n-3, and the risk rating is: low, medium and high;

the method further comprises the following steps:

different color markings are displayed on the display unit according to different capital risk levels.

6. The method of claim 1 or 2, wherein the plurality of financing contracts and the plurality of lease contracts originate from a library of electronic contracts for a business, the library of electronic contracts being located in a blockchain system.

7. The method of claim 6, wherein obtaining interest rate types for financing-to-money data associated with a plurality of financing contracts and rental due data associated with a plurality of rental contracts that float comprises:

sending a query instruction to the blockchain system;

receiving a plurality of financing contracts and leasing contracts of which the interest rate types returned by the blockchain system in response to the query instruction are floating;

for each contract, carrying out integrity verification through a digital certificate carried by the contract;

and decrypting each contract to obtain financing-to-payment data associated with the financing contract and rent-to-be-collected data associated with all the lease contracts.

8. An assessment device for fund risk of a financing leasing enterprise, comprising:

the system comprises a data acquisition unit, a processing unit and a processing unit, wherein the data acquisition unit is used for acquiring financing-to-payment data associated with a plurality of financing contracts with floating interest rate types and rent data to be received associated with a plurality of leasing contracts;

the calculating unit is used for calculating the single rent-to-be-received online profit sum value of the plurality of lease contracts according to the lease service interest rate adjusting value and the rent-to-be-received data;

the computing unit is further used for computing a single financing-to-money record online income gathering value of the financing contracts according to the financing business interest rate adjustment value and the financing-to-money data;

the calculation unit is also used for calculating the whole online income according to the difference value between the single rent-to-be-collected online income collection value and the single financing-to-fund recording online income collection value;

and the evaluation unit is used for evaluating the fund risk of the enterprise according to the overall online income.

9. An electronic device comprising a processor and a memory, wherein the memory is configured to store a computer program comprising program instructions, and wherein the processor is configured to invoke the program instructions to perform the method of any of claims 1-7.

10. A computer-readable storage medium, characterized in that the computer storage medium stores a computer program comprising program instructions that, when executed by a processor, cause the processor to carry out any of claims 1-7.

Background

The financing leasing enterprises belong to capital-intensive enterprises, and the risk management is used as the core value of a capital management system of the financing leasing company. When the interest rate type of the lease contract and the financing contract adopts the floating interest rate, the floating interest rate is generally related to the interest rate change of the borrowing structure, the change of the interest rate can affect the cash flow of the enterprise, and how to evaluate the fund risk of the financing lease enterprise is a problem to be solved urgently at present.

Disclosure of Invention

In order to solve the technical problems, the application provides an assessment method, a related device and a storage medium for the fund risk of a financing leasing enterprise, and solves the problem of the fund risk assessment of the financing leasing enterprise.

In a first aspect, the present application provides a method for assessing a risk of financing a rental enterprise, including:

acquiring financing-to-payment data associated with a plurality of financing contracts with floating interest rate types and rent-to-be-collected data associated with a plurality of leasing contracts;

calculating the single rent-to-be-received online profit sum value of the plurality of lease contracts according to the lease service interest rate adjustment value and the rent-to-be-received data;

calculating the single financing-to-money record online income gathering value of the financing contracts according to the financing service interest rate adjustment value and the financing-to-money data;

calculating the overall online income according to the difference between the single rent-to-be-collected online income aggregate value and the single financing-to-fund recording online income aggregate value;

and evaluating the capital risk of the enterprise according to the overall online income.

In a second aspect, the present application provides an apparatus for assessing capital risk of a financing lease enterprise, comprising:

the system comprises a data acquisition unit, a processing unit and a processing unit, wherein the data acquisition unit is used for acquiring financing-to-payment data associated with a plurality of financing contracts with floating interest rate types and rent data to be received associated with a plurality of leasing contracts;

the calculating unit is used for calculating the single rent-to-be-received online profit sum value of the plurality of lease contracts according to the lease service interest rate adjusting value and the rent-to-be-received data;

the computing unit is further used for computing a single financing-to-money record online income gathering value of the financing contracts according to the financing business interest rate adjustment value and the financing-to-money data;

the calculation unit is also used for calculating the whole online income according to the difference value between the single rent-to-be-collected online income collection value and the single financing-to-fund recording online income collection value;

and the evaluation unit is used for evaluating the fund risk of the enterprise according to the overall online income.

In another aspect, the present application provides an apparatus, which may implement the method for assessing capital risk of a financing leasing enterprise of the first aspect. For example, the apparatus may be a chip (such as a baseband chip, or a communication chip, etc.) or a server. The above-described method may be implemented by software, hardware, or by executing corresponding software by hardware.

In one possible implementation manner, the structure of the apparatus includes a processor, a memory; the processor is configured to support the device to execute corresponding functions in the method for assessing the fund risk of the financing leasing enterprise. The memory is used for coupling with the processor, which holds the necessary programs (instructions) and/or data for the device. Optionally, the apparatus may further include a communication interface for supporting communication between the apparatus and other network elements.

In another possible implementation manner, the apparatus may include a unit module for performing corresponding actions in the above method.

In yet another possible implementation, the wireless communication device includes a processor and a transceiver, the processor is coupled to the transceiver, and the processor is configured to execute a computer program or instructions to control the transceiver to receive and transmit information; the processor is further configured to implement the above-described method when the processor executes the computer program or instructions. The transceiver may be a transceiver, a transceiver circuit, or an input/output interface.

Yet another aspect of the present application provides an apparatus, comprising: a memory and a processor; wherein the memory stores a set of program codes, and the processor is configured to call the program codes stored in the memory and execute the method of the aspects.

The application further provides an electronic device comprising the above apparatus. Electronic devices include, but are not limited to, cell phones, computers, tablets, personal computers, servers or workstations, and the like.

Yet another aspect of the present application provides a computer-readable storage medium having stored therein instructions, which when executed on a computer, cause the computer to perform the method of the above-described aspects.

Yet another aspect of the present application provides a computer program product containing instructions which, when run on a computer, cause the computer to perform the method of the above-described aspects.

According to the above embodiment, the financing-to-payment data corresponding to the financing contract with floating interest rate and the rent charge data corresponding to the lease contract are obtained, the single financing-to-money record online income gathering value is obtained by gathering the single financing-to-money record online income gathering value of each financing contract, and collecting the single rent-to-be-received online income value of each lease contract to obtain a single rent-to-be-received online income collection value, calculating the whole online income according to the single online income collection value of the rent to be collected and the single online income collection value of the financing to money record, establishing a risk measurement model to recombine and associate the financing data and the lease data, generating the whole online income for measuring the influence of interest rate fluctuation on the short-term cash flow of the company, and through the fluctuation of the whole online income, the transaction condition of the enterprise leasing financing service can be found in time, and the fund risk of the leasing financing service is effectively avoided.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a diagram of a network architecture provided by an embodiment of the present application;

FIG. 2 is a schematic flow chart of a method for assessing risk of financing rental enterprise funds according to an embodiment of the present application;

FIG. 3 is a schematic structural diagram of an apparatus according to an embodiment of the present disclosure

Fig. 4 is another schematic structural diagram of an apparatus according to an embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application. Meanwhile, in the description of the present application, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance. It will be apparent to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

Fig. 1 shows an exemplary system architecture of an evaluation method of a financing lease enterprise fund risk or an evaluation device of a financing lease enterprise fund risk, which can be applied to the present application.

As shown in fig. 1, the system architecture may include a first server 101, an evaluation device 102 for financing the fund risk of the rental enterprise (hereinafter referred to as the device 102), and a second server 103, where the first server is a server of a financial institution, the first server 101 stores a financing contract, the second server is a server of a lessee, and the second server stores a rental contract. The first server 101 and the second server 103 may be hardware or software. When the first server and the second server are hardware, the first server and the second server can communicate with each other through a network, and the network is used as a medium for providing communication links among the units. The network may include various types of wired or wireless communication links, such as: the wired communication link includes an optical fiber, a twisted pair wire, or a coaxial cable, and the WIreless communication link includes a bluetooth communication link, a WIreless-FIdelity (Wi-Fi) communication link, or a microwave communication link, etc. When the first server 101 and the second server 103 are software, they may be application programs deployed on the same physical machine or different physical machines. When the first server 101 and the second server 103 are hardware, the apparatus 102 may be deployed in the first server 101, may be deployed in the second server 103, or may even be deployed independently from the first server 101 and the second server 103.

The device 102 may be hardware or software. When the device 102 is hardware, it may be implemented as a distributed server cluster composed of multiple servers, or may be implemented as a single server. When the device 102 is software, it may be implemented as a plurality of software or software modules (for example, for providing distributed services), or may be implemented as a single software or software module, and is not limited in particular herein.

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

In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.

Referring to fig. 2, fig. 2 is a schematic flowchart of a method for assessing the risk of financing rental business funds provided in an embodiment of the present application, where the method includes:

s201, acquiring financing to payment data associated with a plurality of floating financing contracts and rent-to-be-collected data associated with a plurality of leasing contracts, wherein interest rate types are floating.

The enterprise is a financing lease enterprise, an electronic contract library is deployed in the enterprise, the electronic contract library is a database which can be a relational database or a non-relational database, the electronic contract library comprises a plurality of electronic contracts, the electronic contracts are contract forms with computer data as media, and the electronic contracts are convenient to store on a computer and carry out network transmission. The electronic contract comprises a financing contract and a leasing contract, wherein the financing contract is a borrowing contract signed between a financing leasing enterprise and a financial institution, and the financing contract is agreed with interest rate type, money amount, financing rate, money arrival date, repayment plan, financing period, a remittance mode and the like. The lease contract is signed between the financing lease company and the lessee, and the lease contract is appointed with the type of favorable rate, the rent to be received, the lease interest rate, the lease plan, the lease starting date, the lease term, the mode of interest and the like. The floating interest rate refers to an interest rate that can be adjusted periodically during the loan period, and the manner in which the interest rate floats is not limited in this application, for example: the manner in which interest rates float is: the loan market quotes the interest rate, the electronic contract library of the enterprise can be a database, the electronic equipment sends a query instruction to the electronic contract library, and the electronic contract library screens out a plurality of financing contracts and leasing contracts with the interest rate types of floating in response to the query instruction. As a possible implementation manner, the financing contracts and the leasing contracts do not need to exist in the form of electronic contracts, and the financing-to-payment data associated with the financing contracts and the corresponding data in the rent-to-be-collected data associated with the leasing contracts are electronic data existing after being processed from the corresponding contracts; in general, the source of financing-to-fund data associated with a financing contract, and the lease-receivable data associated with a lease contract, may be a variety of sources. In addition, the plurality of financing contracts refer to all financing contracts which are being fulfilled at the time of risk assessment; the plurality of rental contracts refer specifically to all rental contracts being fulfilled at the time of risk assessment.

In one or more possible embodiments, the financing contracts and the leasing contracts are derived from an electronic contract library of an enterprise, the electronic contract library is deployed in a blockchain system, the electronic equipment sends a query instruction to the blockchain system, the blockchain system returns the financing contracts and the leasing contracts with floating interest rate types to the electronic equipment in response to the query instruction, the electronic contracts carry digital certificates, the electronic equipment verifies the integrity of the electronic contracts according to the digital certificates, and then decrypts the electronic contracts by using a private key to obtain contract information, wherein the contract information includes, but is not limited to, financing-to-money data associated with the financing contracts and lease-due data associated with all the lease contracts; different electronic contracts can be configured with the same public key, and different electronic contracts are configured with different private keys, so that the electronic contracts can be prevented from being tampered and revealed.

S202, calculating the single rent-to-be-collected online profit sum of the plurality of lease contracts according to the lease service interest rate adjustment value and the rent-to-be-collected data.

The single online income collection value of the rent to be collected is obtained by accumulating the single online income values of the rent to be collected of the plurality of lease contracts, and represents rent variation caused by interest rate variation in an evaluation period with preset duration, and the length and the start and stop date of the evaluation period can be determined according to actual requirements, for example: and (4) accumulating the single rent to be collected of each lease contract to obtain the single rent to be collected online income value after the evaluation period is one year (365 days). The rental business interest rate adjustment value indicates a variation in rental business interest rate, and increases or decreases in interest rate are both indicated by positive values. For example: the current interest rate is 5%, the interest rate increased by 1% and the interest rate decreased by 1%, the rental interest rate adjustment value is 1%, further, the rental business interest rate adjustment value can be expressed by using the base point BPS, and the interest rate adjustment value of 1% is 100 BPS.

In one or more possible embodiments, calculating an online revenue collection value for a single receivable rental fee for a plurality of rental contracts based on the rental business interest rate adjustment value and the receivable rental fee data comprises:

calculating the single rent online profit value M to be charged of each lease contract according to the following formula:

M＝W*R1*D/365；

wherein, W represents a principal that does not contain a tax in the due rent, and the due rent is a part that does not contain a tax in the principal paid by the lessee within the evaluation period of the preset time length, for example: the evaluation period is 365 days a year, the principal fee to be paid by the lessee is 10000 yuan, the tax rate is 10%, and then M is 100000 x (1-10%) -90000 yuan; r1 represents the rental business interest rate adjustment value; d is 365- (lease service interest rate adjustment effective day-current date), the lease service interest rate adjustment effective day is the date when the new lease service interest rate becomes effective, the lease service interest rate adjustment effective day can be determined according to the mode of interest in the lease contract, and the current date is the date when the single lease charge to be received is calculated. For example: the current date is 2021, 6 months and 15 days, the lease interest rate adjustment effective date is 2021, 9 months and 15 days, and then W is 365-90 and 275 days.

S203, calculating a single financing-to-money record online income gathering value of a plurality of financing contracts according to the financing service interest rate adjustment value and the financing-to-money data.

The single financing-to-money record online income aggregate value is obtained by accumulating single financing-to-money record online income values of a plurality of financing contracts and represents borrowing variation brought by interest rate variation in an evaluation period with preset duration, and the length and the start-stop date of the evaluation period are the same as the evaluation period in S202. The financing service interest rate adjustment value and the lease interest rate adjustment value in S202 may be equal or may not be equal. The financing service interest rate adjustment value represents the amount of change in the financing service interest rate, with either an increase or decrease in the interest rate being represented by a positive value. For example: the current interest rate is 5%, the interest rate increased by 1% and the interest rate decreased by 1%, and the financing rate adjustment value is 1%, further, the financing service interest rate adjustment value can be expressed by using the base point BPS, and the interest rate adjustment value of 1% is 100 BPS.

In one or more possible embodiments, said calculating a single financing-to-fund record online revenue collection value for said plurality of financing contracts based on the financing service interest rate adjustment value and said financing-to-fund data comprises:

calculating the single financing-to-money record online income value N of each financing contract according to the following formula:

N＝S*R2*T/365；

s represents the residual principal, and the residual principal is obtained by subtracting the returned principal from the amount of the income money by the time of the interest rate adjustment effective date; r2 represents the financing rate adjustment value, T is 365- (financing rate adjustment effective day-current date), the financing rate adjustment effective day is the date when the new financing service rate takes effect, the financing rate adjustment effective day can be determined according to the mode of interest in the financing contract, and the current date is the date when the single financing to money record the online income value.

And S204, calculating the overall online income according to the difference between the single rent-to-be-collected online income collection value and the single financing-to-fund recorded online income collection value.

And subtracting the single rent-to-be-collected online income collection value obtained by the calculation in the step S202 from the single financing-to-fund online income collection value obtained by the calculation in the step S203 to obtain the overall online income (EAR) of the enterprise.

And S205, evaluating the fund risk of the enterprise according to the overall online income.

The influence of interest rate change on cash flow of an enterprise is expressed by the overall online income, the overall online income with different sizes corresponds to fund risks with different degrees, the larger the overall online income is, the lower the fund risk is, and otherwise, the smaller the overall online income is, the higher the fund risk is.

In one or more possible embodiments, the electronic device is configured with n revenue intervals in advance, where n is an integer greater than 1, the revenue intervals are not overlapped with each other, and each revenue interval is associated with a risk level; the electronic equipment determines which income interval of preset n income intervals the online income is located in according to the calculated online income, and takes the fund risk level associated with the income interval as the final fund risk, wherein the larger the risk level is, the larger the fund risk is, and the smaller the risk level is, the lower the fund risk is. For example: 3 income intervals are preset, and the fund risk levels of the 3 income intervals are 1, 2 and 3 which are sequentially related from large to small.

Further, n is 3, the present application displays different color marks on the display unit according to different capital risk levels so as to graphically represent the capital risk levels of the respective enterprises, specifically, 3 risk levels are low, medium and high, the low corresponds to a green mark, the medium corresponds to a yellow mark, and the high corresponds to a red mark.

By implementing the embodiment of the application, the financing to payment data corresponding to the financing contract with floating interest rate and the rent charge data corresponding to the lease contract are obtained, the single financing-to-money record online income gathering value is obtained by gathering the single financing-to-money record online income gathering value of each financing contract, and collecting the single rent-to-be-received online income value of each lease contract to obtain a single rent-to-be-received online income collection value, calculating the whole online income according to the single online income collection value of the rent to be collected and the single online income collection value of the financing to money record, establishing a risk measurement model to recombine and associate the financing data and the lease data, generating the whole online income for measuring the influence of interest rate fluctuation on the short-term cash flow of the company, and through the fluctuation of the whole online income, the transaction condition of the enterprise leasing financing service can be found in time, and the fund risk of the leasing financing service is effectively avoided.

The above-mentioned fig. 2 to fig. 3 illustrate the evaluation method of the fund risk of the financing leasing enterprise in detail. Correspondingly, the structure of a device in the embodiment of the application is schematically shown.

Referring to fig. 3, fig. 3 is a schematic structural diagram of an apparatus 3 according to an embodiment of the present disclosure, where the apparatus 3 may include a data obtaining unit 301, a calculating unit 302, and an evaluating unit 303.

A data obtaining unit 301, configured to obtain financing-to-payment data associated with multiple financing contracts with floating interest rate types and rent-to-be-collected data associated with multiple lease contracts;

a calculating unit 302, configured to calculate an online profit aggregate value of the single rent to be collected of the plurality of lease contracts according to the lease service interest rate adjustment value and the rent to be collected data;

the calculating unit 302 is further configured to calculate a single financing-to-fund record online income gathering value of the multiple financing contracts according to the financing business interest rate adjustment value and the financing-to-fund data;

the calculating unit 302 is further configured to calculate an overall online profit according to a difference between the single online profit sum of the rent to be collected and the single online profit sum of the financing-to-fund record;

and the evaluation unit 303 is configured to evaluate the fund risk of the enterprise according to the overall online income.

In one or more possible embodiments, the calculating an online revenue collection value for a single receivable rental amount for the plurality of rental contracts based on the rental business interest rate adjustment value and the receivable rental amount data includes:

calculating the single rent online profit value M to be charged of each lease contract according to the following formula:

M＝W*R1*D/365；

wherein, W represents the principal that does not contain tax in the due fee, R1 represents the rental business interest rate adjustment value, and D is 365- (rental business interest rate adjustment effective date-current date).

In one or more possible embodiments, the calculating an online revenue value of a single receivable rental amount for the plurality of rental contracts based on the rental business interest rate adjustment value and the receivable rental amount data includes:

calculating the single financing-to-money record online income value N of each financing contract according to the following formula:

N＝S*R2*T/365；

wherein, S represents the remaining principal, the remaining principal is the sum of money due by the time of the interest rate adjustment effective date minus the paid principal, R2 represents the financing service interest rate adjustment value, and T is 365- (the financing service interest rate adjustment effective date-the current date).

In one or more possible embodiments, the assessing capital risk of a business according to the overall online revenue comprises:

determining a target income interval of the overall online income in the n income intervals; wherein n is an integer greater than 1, and each income interval is associated with a risk level;

and taking the fund risk level associated with the target income interval as the fund risk of the enterprise.

In one or more possible embodiments, n-3, the risk rating is: low, medium and high;

the method further comprises the following steps:

different color markings are displayed on the display unit according to different capital risk levels.

In one or more possible embodiments, the plurality of financing contracts and the plurality of lease contracts originate from a library of electronic contracts for the business, the library of electronic contracts being located in a blockchain system.

In one or more possible embodiments, the obtaining interest rate types are financing-to-payment data associated with a plurality of financing contracts and rent receivable data associated with a plurality of leasing contracts, which are floated, and the obtaining interest rate types include:

sending a query instruction to the blockchain system;

receiving a plurality of financing contracts and leasing contracts of which the interest rate types returned by the blockchain system in response to the query instruction are floating;

for each contract, carrying out integrity verification through a digital certificate carried by the contract;

and decrypting each contract to obtain financing-to-payment data associated with the financing contract and rent-to-be-collected data associated with all the lease contracts.

The embodiment of the present application and the embodiment of the method in fig. 2 are based on the same concept, and the technical effects brought by the embodiment are also the same, and the specific process may refer to the description of the embodiment of the method in fig. 2, and will not be described again here.

The device 3 may be a server or a terminal device, and the device 3 may also be a field-programmable gate array (FPGA), an application-specific integrated chip (asic), a system on chip (SoC), a Central Processing Unit (CPU), a Network Processor (NP), a digital signal processing circuit, a Micro Controller Unit (MCU), or a Programmable Logic Device (PLD) or other integrated chips, which implement related functions.

Fig. 4 is a schematic structural diagram of an apparatus according to an embodiment of the present disclosure. As shown in fig. 4, the apparatus may be the apparatus of fig. 1, and the apparatus 400 may include: at least one processor 401, at least one network interface 404, a user interface 403, memory 405, at least one communication bus 402.

Wherein a communication bus 402 is used to enable connective communication between these components.

Optionally, the user interface 403 may include a Display screen (Display) and a Camera (Camera), and the optional user interface 403 may also include a standard wired interface and a wireless interface.

The network interface 404 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface), among others.

Processor 401 may include one or more processing cores, among others. The processor 401 interfaces with various components throughout the electronic device 400 using various interfaces and circuitry to perform various functions of the electronic device 400 and process data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory 405 and invoking data stored in the memory 405. Alternatively, the processor 401 may be implemented in at least one hardware form of Digital Signal Processing (DSP), Field-Programmable gate Array (FPGA), and Programmable Logic Array (PLA). The processor 401 may integrate one or more of a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), a modem, and the like. Wherein, the CPU mainly processes an operating system, a user interface, an application program and the like; the GPU is used for rendering and drawing the content required to be displayed by the display screen; the modem is used to handle wireless communications. It is understood that the modem may not be integrated into the processor 401, but may be implemented by a single chip.

The Memory 405 may include a Random Access Memory (RAM) or a Read-Only Memory (Read-Only Memory). Optionally, the memory 405 includes a non-transitory computer-readable medium. The memory 405 may be used to store instructions, programs, code sets, or instruction sets. The memory 405 may include a stored program area and a stored data area, wherein the stored program area may store instructions for implementing an operating system, instructions for at least one function (such as a touch function, a sound playing function, an image playing function, etc.), instructions for implementing the various method embodiments described above, and the like; the storage data area may store data and the like referred to in the above respective method embodiments. The memory 405 may alternatively be at least one storage device located remotely from the aforementioned processor 401. As shown in fig. 4, the memory 405, which is a type of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and an application program.

In the apparatus 400 shown in fig. 4, the user interface 403 is mainly used as an interface for providing input for a user, and acquiring data input by the user; and processor 401 may be configured to invoke an application program stored in memory 405 that configures an application program interface and to perform the method embodiment of fig. 2 in particular.

The concept of this embodiment is the same as that of the embodiment of the method in fig. 2, and the technical effects brought by the embodiment are also the same, and the specific process can refer to the description of the embodiment in fig. 2, and will not be described again here.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a read-only memory or a random access memory.

The above disclosure is only for the purpose of illustrating the preferred embodiments of the present application and is not to be construed as limiting the scope of the present application, so that the present application is not limited thereto, and all equivalent variations and modifications can be made to the present application.