Intelligent amount returning method based on computer

The invention discloses an intelligent amount returning method based on a computer. The method comprises the steps of receiving an amount returning request input by a first user; acquiring an object set corresponding to the amount returning request, wherein the object set contains corresponding growth rate, share and return deadline; reminding all the users that the object set is in the transferring state; receiving a transferee request of a second user; calculating transferee amount, the return amount of the first user, and platform preservation amount according to the growth rate, share and return deadline of the object set; deducting the transferee amount from the account of the second user, and depositing the return amount in the account of the first user. By the adoption of the method, the amount matched with the object set can be withdrawn before a stipulated date, so that the object set is matched with a new user.