CN106157137A - The control method of a kind of bank account amount of money and device - Google Patents
The control method of a kind of bank account amount of money and device Download PDFInfo
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- CN106157137A CN106157137A CN201610788596.5A CN201610788596A CN106157137A CN 106157137 A CN106157137 A CN 106157137A CN 201610788596 A CN201610788596 A CN 201610788596A CN 106157137 A CN106157137 A CN 106157137A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention provides control method and the device of a kind of bank account amount of money, relate to bank capital monitoring technical field.Method includes: the account amount of money of monitoring one signing bank account；Judge that whether the account amount of money of described signing bank account meet the amount of money surplus pre-set and produce condition or amount of money shortage proceeds to condition；The account amount of money in described signing bank account meets described amount of money surplus and produces condition, and the account amount of money of described signing bank account produces a target bank account pre-set；The account amount of money in described signing bank account meets described amount of money shortage and proceeds to condition, and the account amount of money of the target bank account pre-set is transferred to described signing bank account.The Financing control that the present invention can solve between current multiple bank account is the most convenient, and bank client and banking system have needed substantial amounts of operation, the problem of the relatively complicated complexity of process such as the fund between bank account monitors, transfer accounts.
Description
Technical field
The present invention relates to bank capital monitoring technical field, particularly relate to control method and the dress of a kind of bank account amount of money
Put.
Background technology
Currently, along with the development of financial industry, a bank client typically has multiple bank account, multiple banks account
The daily life of the bank client of the also active influence of the capital management between family.Such as, current bank client is if it is expected that certain is silver-colored
Row account has a fund and keeps accounts, and wants to proceed to this fund other bank accounts, then bank client needs in advance
The fund state paying close attention to this bank account around date of phase, the fund of discovery to after account to bank counter, or by Net silver,
The channels such as self-aided terminal have been manually done transfers accounts.If bank client needs billed at regular intervals, remittance, need at inquiry fixed dates silver
The row account amount of money, in the case of determining that the account amount of money is enough, is had been manually done by the channel such as Net silver, self-aided terminal and transfers accounts, remits money
Deng operation.It addition, current each large bank also provides reservation transfer services, i.e. bank client in advance with bank arranges, at certain
On the individual date, turn the fund a kind of service to another bank account from certain bank account.Reservation transfer services can be helped
Help bank client to be automatically performed to transfer accounts, reduce bank client and at bank counter transacting business or log in electronic channel manual operations
Number of times.
But, along with people's high request to the flexible convenient control of bank account, between current multiple bank accounts
Financing control is the most convenient, needs bank client or banking system frequently to pay close attention to transferring accounts and concluding the business between bank account, makes
Becoming bank client and banking system to need substantial amounts of operation, the processes such as the fund between bank account monitors, transfer accounts are more
Very complicated.
Summary of the invention
Embodiments of the invention provide control method and the device of a kind of bank account amount of money, to solve current multiple bank
Financing control between account is the most convenient, needs bank client or banking system frequently to pay close attention to transferring accounts between bank account
And transaction, cause bank client and banking system to need substantial amounts of operation, the fund between bank account monitors, transfers accounts
The problem of the relatively complicated complexity of process.
For reaching above-mentioned purpose, the present invention adopts the following technical scheme that
A kind of control method of the bank account amount of money, including:
The account amount of money of monitoring one signing bank account；
Judge the account amount of money of described signing bank account whether meet the amount of money surplus pre-set produce condition or
Amount of money shortage proceeds to condition；
If the account amount of money of described signing bank account meets described amount of money surplus produces condition, then by described signing bank
The account amount of money of account produces a target bank account pre-set；
If the account amount of money of described signing bank account meets described amount of money shortage proceeds to condition, then pre-set one
The account amount of money of target bank account is transferred to described signing bank account.
Concrete, described monitoring one is contracted the account amount of money of bank account, including:
Obtain a monitor duration pre-set, and in described monitor duration, monitor the account of described signing bank account
The amount of money.
Additionally, monitor the account amount of money of described signing bank account in described monitor duration, including:
In described monitor duration, preset supervision interval timing with one monitor the account amount of money of described signing bank account.
Or, in described monitor duration, monitor the account amount of money of described signing bank account, including:
The account amount of money of described signing bank account is monitored in real time in described monitor duration.
It addition, described amount of money surplus produces the account amount of money that condition is described signing bank account more than the pre-set
One triggers amount of money threshold value；
If the account amount of money of described signing bank account meets described amount of money surplus produces condition, then by described signing bank
The account amount of money of account produces a target bank account pre-set, including:
If the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, by described signing
The account amount of money of bank account produces a target bank account pre-set so that the account of the signing bank account after producing
The family amount of money is equal to a first reserved amount threshold value pre-set；Described first triggers amount of money threshold value protects more than or equal to described first
Stay amount of money threshold value.
It is more than or equal to pre-set it addition, the account amount of money that condition is described signing bank account is produced in described amount of money surplus
First triggering amount of money threshold value；
If the account amount of money of described signing bank account meets described amount of money surplus produces condition, then by described signing bank
The account amount of money of account produces a target bank account pre-set, including:
If the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, sign according to current
The first reserved amount threshold value that about the account amount of money and one of bank account pre-sets determines the first initial transfer amounts；Described
One triggers amount of money threshold value more than or equal to described first reserved amount threshold value；Described first initial transfer amounts is the bank that currently contracts
The account amount of money of account and the difference of the first reserved amount threshold value；
First object transfer amounts is determined according to first pre-set the first initial transfer amounts described in cardinal sum of transferring accounts；
Described first object transfer amounts is:Wherein, B1For the described first initial transfer amounts；C1For described first
Transfer accounts radix；
First object transfer amounts in described signing bank account is produced the described target bank account pre-set
Family.
It addition, described amount of money shortage proceeds to the account amount of money that condition is described signing bank account less than the pre-set
Two trigger amount of money threshold value；
If the account amount of money of described signing bank account meets described amount of money shortage proceeds to condition, then pre-set one
The account amount of money of target bank account is transferred to described signing bank account, including:
If the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, set one in advance
The account amount of money of the target bank account put is transferred to described signing bank account so that the account of the signing bank account after proceeding to
The family amount of money is equal to a second reserved amount threshold value pre-set；Described second triggers amount of money threshold value protects less than or equal to described second
Stay amount of money threshold value.
Additionally, described amount of money shortage proceeds to the account amount of money that condition is described signing bank account less than the pre-set
Two trigger amount of money threshold value；
If the account amount of money of described signing bank account meets described amount of money shortage proceeds to condition, then pre-set one
The account amount of money of target bank account is transferred to described signing bank account, including:
If the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, sign according to current
The second reserved amount threshold value that about the account amount of money and one of bank account pre-sets determines the second initial transfer amounts；Described
Two trigger amount of money threshold value less than or equal to described second reserved amount threshold value；Described second initial transfer amounts is the first reserved amount
The difference of the account amount of money of threshold value and current signing bank account；
The second target transfer amounts is determined according to second pre-set the second initial transfer amounts described in cardinal sum of transferring accounts；
Described second target transfer amounts is:Wherein, B2For the described second initial transfer amounts；C2For described second
Transfer accounts radix；
The second target transfer amounts in described signing bank account is produced the described target bank account pre-set
Family.
Further, the control method of this bank account amount of money, also include:
Monitor producing accumulating sum and proceeding to accumulating sum of described signing bank account；
Produce accumulating sum described in if or proceed to accumulating sum more than or equal to the accumulating sum threshold value pre-set, stopping prison
The account amount of money of control signing bank account.
A kind of control device of the bank account amount of money, including:
Account Monitoring unit, for the account amount of money of monitoring one signing bank account；
Judging unit, for judging whether the account amount of money of described signing bank account meets the amount of money surplus pre-set
Produce condition or amount of money shortage proceeds to condition；
The amount of money produces unit, produces condition for meeting described amount of money surplus at the account amount of money of described signing bank account
Time, the account amount of money of described signing bank account is produced to a target bank account pre-set；
The amount of money proceeds to unit, proceeds to bar for meeting described amount of money shortage at the account amount of money of described signing bank account
Part, the account amount of money of the target bank account pre-set is transferred to described signing bank account.
Additionally, described Account Monitoring unit, specifically for:
Obtain a monitor duration pre-set, and in described monitor duration, monitor the account of described signing bank account
The amount of money.
Additionally, described Account Monitoring unit, specifically it is additionally operable to:
In described monitor duration, preset supervision interval timing with one monitor the account amount of money of described signing bank account.
Further, described Account Monitoring unit, specifically it is additionally operable to:
The account amount of money of described signing bank account is monitored in real time in described monitor duration.
It is more than additionally, the account amount of money that condition is described signing bank account is produced in the amount of money surplus in described judging unit
The the first triggering amount of money threshold value pre-set；
The described amount of money produces unit, specifically for:
When the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, by described label
The about account amount of money of bank account produces a target bank account pre-set so that the signing bank account after producing
The account amount of money is equal to a first reserved amount threshold value pre-set；Described first triggers amount of money threshold value more than or equal to described first
Reserved amount threshold value.
It is more than it addition, the account amount of money that condition is described signing bank account is produced in the amount of money surplus in described judging unit
Equal to the first triggering amount of money threshold value pre-set；
The described amount of money produces unit, specifically for:
When the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, according to currently
The first reserved amount threshold value that the account amount of money and one of signing bank account pre-sets determines the first initial transfer amounts；Described
First triggers amount of money threshold value more than or equal to described first reserved amount threshold value；Described first initial transfer amounts is silver of currently contracting
The account amount of money of row account and the difference of the first reserved amount threshold value；
First object transfer amounts is determined according to first pre-set the first initial transfer amounts described in cardinal sum of transferring accounts；
Described first object transfer amounts is:Wherein, B1For the described first initial transfer amounts；C1For described first
Transfer accounts radix；
First object transfer amounts in described signing bank account is produced the described target bank account pre-set
Family.
It is less than it addition, the amount of money shortage in described judging unit proceeds to the account amount of money that condition is described signing bank account
The the second triggering amount of money threshold value pre-set；
The described amount of money proceeds to unit, specifically for:
When the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, by one in advance
The account amount of money of the target bank account arranged is transferred to described signing bank account so that the signing bank account after proceeding to
The account amount of money is equal to a second reserved amount threshold value pre-set；Described second triggers amount of money threshold value less than or equal to described second
Reserved amount threshold value.
It is less than additionally, the amount of money shortage in described judging unit proceeds to the account amount of money that condition is described signing bank account
The the second triggering amount of money threshold value pre-set；
The described amount of money proceeds to unit, specifically for:
When the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, according to currently
The second reserved amount threshold value that the account amount of money and one of signing bank account pre-sets determines the second initial transfer amounts；Described
Second triggers amount of money threshold value less than or equal to described second reserved amount threshold value；Described second initial transfer amounts is the first preserving capital
The difference of the account amount of money of volume threshold value and current signing bank account；
The second target transfer amounts is determined according to second pre-set the second initial transfer amounts described in cardinal sum of transferring accounts；
Described second target transfer amounts is:Wherein, B2For the described second initial transfer amounts；C2For described second
Transfer accounts radix；
The second target transfer amounts in described signing bank account is produced the described target bank account pre-set
Family.
The control device of this bank account amount of money, also includes:
Accumulating sum monitoring unit, for monitoring producing accumulating sum and proceeding to accumulative gold of described signing bank account
Volume；
Terminate unit, for producing accumulating sum described or proceed to accumulating sum more than or equal to the accumulative gold pre-set
During volume threshold value, stop the account amount of money of monitoring signing bank account.
The control method of a kind of bank account amount of money that the embodiment of the present invention provides and device, it can monitor a signing silver
The account amount of money of row account；Judge whether the account amount of money of described signing bank account meets the amount of money surplus pre-set and produce
Condition or amount of money shortage proceed to condition；The account amount of money in described signing bank account meets described amount of money surplus and produces bar
Part, then produce a target bank account pre-set by the account amount of money of described signing bank account；At described signing silver
The account amount of money of row account meets described amount of money shortage and proceeds to condition, then the account gold of the target bank account pre-set
Volume is transferred to described signing bank account.Visible, the present invention frequently pays close attention to bank account without bank client or banking system
Between transfer accounts and conclude the business, it is possible to by the account amount of money of monitoring signing bank account, automatically carry out proceeding to and produce account gold
Volume, can solve the Financing control between current multiple bank account the most convenient, and bank client and banking system have needed
Substantial amounts of operation, the problem of the relatively complicated complexity of process such as the fund between bank account monitors, transfer accounts.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, also may be used
To obtain other accompanying drawing according to these accompanying drawings.
The flow chart one of the control method of a kind of bank account amount of money that Fig. 1 provides for the embodiment of the present invention；
The flowchart 2 of the control method of a kind of bank account amount of money that Fig. 2 provides for the embodiment of the present invention；
The flow chart 3 of the control method of a kind of bank account amount of money that Fig. 3 provides for the embodiment of the present invention；
The structural representation one controlling device of a kind of bank account amount of money that Fig. 4 provides for the embodiment of the present invention；
The structural representation two controlling device of a kind of bank account amount of money that Fig. 5 provides for the embodiment of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under not making creative work premise
Embodiment, broadly falls into the scope of protection of the invention.
As it is shown in figure 1, the embodiment of the present invention provides the control method of a kind of bank account amount of money, including:
Step 101, the account amount of money of monitoring one signing bank account.
Step 102, judge that whether the account amount of money of described signing bank account meet the amount of money surplus pre-set and produce
Condition or amount of money shortage proceed to condition.
If the account amount of money of step 103 described signing bank account meets described amount of money surplus produces condition, then by described
The account amount of money of signing bank account produces a target bank account pre-set.
If the account amount of money of step 104 described signing bank account meets described amount of money shortage proceeds to condition, then pre-by one
The account amount of money of the target bank account first arranged is transferred to described signing bank account.
The control method of a kind of bank account amount of money that the embodiment of the present invention provides, it can monitor a signing bank account
The account amount of money；Judge the account amount of money of described signing bank account whether meet the amount of money surplus pre-set produce condition or
Person's amount of money shortage proceeds to condition；The account amount of money in described signing bank account meets described amount of money surplus and produces condition, then will
The account amount of money of described signing bank account produces a target bank account pre-set；In described signing bank account
The account amount of money meets described amount of money shortage and proceeds to condition, then the account amount of money of the target bank account pre-set is transferred to
Described signing bank account.Visible, the present invention frequently pays close attention to turning between bank account without bank client or banking system
Account and transaction, it is possible to by the account amount of money of monitoring signing bank account, automatically carry out proceeding to and produce the account amount of money, can solve
Certainly the Financing control between current multiple bank accounts is the most convenient, and bank client and banking system have needed substantial amounts of behaviour
Make, the problem of the relatively complicated complexity of process such as the fund between bank account monitors, transfer accounts.
In order to make those skilled in the art be better understood by the present invention, a more detailed embodiment is set forth below,
As shown in Figures 2 and 3, the embodiment of the present invention provides the control method of a kind of bank account amount of money, including:
The monitor duration that step 201, acquisition one pre-set, and in described monitor duration, monitor described signing bank account
The account amount of money at family.
Step 201 can be in the following way herein:
1. in described monitor duration, preset supervision interval timing with one and monitor the account amount of money of described signing bank account,
I.e. being equivalent to timing and monitor the account amount of money of bank account, such as every morning 10 determines the account gold of signing bank account
Volume, then being equivalent to monitor frequency is every day.And above-mentioned monitor duration represents the indentured period that client and bank are arranged, such as, monitor
Shi Changwei 1 year etc., but it is not only limited to this, when monitoring process reaches described monitor duration, the most no longer signing bank account is entered
Row monitoring.Certainly, may be otherwise and be not provided with monitor duration, then can the account amount of money of signing bank account be supervised always
Control.When timing monitoring, can use and signing bank account is put in a watch-list, maintain the label in watch-list
About bank account is timed monitoring.
2. in described monitor duration, monitor the account amount of money of described signing bank account in real time.Real-time monitoring described herein
The account amount of money of described signing bank account represents the change of the account amount of money of moment monitoring bank account.When monitoring in real time,
Can first labelling signing bank account, thus there is the signing bank account of labelling in monitoring in real time.
Step 202, judge that whether the account amount of money of described signing bank account meet the amount of money surplus pre-set and produce
Condition or amount of money shortage proceed to condition.
Herein, this amount of money surplus produces the account amount of money that condition is described signing bank account more than first pre-set
Trigger amount of money threshold value；This amount of money shortage proceeds to the account amount of money that condition is described signing bank account and is less than second pre-set
Trigger amount of money threshold value.
Generally, there are two kinds of directions of transferring accounts in the account amount of money of signing bank account, one is that amount of money surplus is produced,
One is that amount of money shortage proceeds to.For same bank account, can there is both simultaneously and transfer accounts direction in it, it is also possible to existing
One of which is transferred accounts direction.Such as, the collecting account of certain businessman, can produce by selecting amount of money surplus, be automatically performed fund
The function that packing is produced, such as, proceed to fixed account, financing account etc..The most such as, the procurement accounts of certain businessman or individual
Consumption card, can proceed to extra money by selecting amount of money shortage, thus meet the demand of foreign payment.Additionally, further for example,
Certain company is for concentrating the convenient management of circulating fund and more good utilisation circulating fund, by other accounts in addition to Finance Department's account
It is disposed as 0 amount of money account, selects to arrange the amount of money monitoring of both direction, directly from the account of Finance Department when needing payment
Pull the amount of money, directly money is pushed to when gathering the account of finance Finance Department.
Herein, after step 202, if as in figure 2 it is shown, described signing bank account the account amount of money meet pre-set
Amount of money surplus produce condition, the account amount of money of the most described signing bank account more than pre-set first triggering amount of money threshold
Value, then perform subsequent step 203 or perform step 204 to step 206.
Step 203, the account amount of money of described signing bank account is produced to a target bank account pre-set, make
The account amount of money of the signing bank account after must producing is equal to a first reserved amount threshold value pre-set.
Herein, described first amount of money threshold value is triggered more than or equal to described first reserved amount threshold value.So, described first
Triggering and can form amount of money waving interval between amount of money threshold value and the first reserved amount threshold value, this amount of money waving interval also may be used certainly
Think 0.Step 203 is transferred accounts and is carried out in the case of radix being not provided with first herein.
Execution step 201 can be returned after step 203, or perform step 207.
Step 204, the first reserved amount threshold value pre-set according to the current account amount of money and one contracting bank account
Determine the first initial transfer amounts.
Herein, described first amount of money threshold value is triggered more than or equal to described first reserved amount threshold value；Described first initially turns
The account amount of money is currently contract the account amount of money of bank account and the difference of the first reserved amount threshold value.
Step 205, the first initial transfer amounts described in cardinal sum of transferring accounts according to first pre-set determine first object
Transfer amounts.
Wherein, described first object transfer amounts is:Wherein, B1For the described first initial transfer amounts；
C1Transfer accounts radix for described first.The radix of transferring accounts of first herein is this first turn for making each first object transfer amounts
The multiple of account radix, the such as first radix of transferring accounts is 100 yuan, then first object transfer amounts is the multiple of 100 yuan, such as 500 yuan,
1000 yuan etc..
Step 206, the first object transfer amounts in described signing bank account is produced the described mesh pre-set
Mark bank account.
Execution step 201 can be returned after step 206, or perform step 207.
Step 204 is transferred accounts to step 206 and is carried out in the case of radix being provided with first herein.
Step 207, produce accumulating sum more than or equal to the accumulating sum that pre-sets monitor signing bank account
During threshold value, stop the account amount of money of monitoring signing bank account.
The most after step 202, if as it is shown on figure 3, described signing bank account the account amount of money meet pre-set
Amount of money shortage proceed to condition, the account amount of money of the most described signing bank account less than pre-set second triggering amount of money threshold
Value, then perform subsequent step 208 or perform step 209 to step 211.
Step 208, the account amount of money of the target bank account pre-set are transferred to described signing bank account, make
The account amount of money of the signing bank account after must proceeding to is equal to a second reserved amount threshold value pre-set.
Herein, described second amount of money threshold value is triggered less than or equal to described second reserved amount threshold value.
Execution step 201 can be returned after step 208, or perform step 212.
Step 208 is transferred accounts and is carried out in the case of radix being not provided with second herein.
Step 209, the second reserved amount threshold value pre-set according to the current account amount of money and one contracting bank account
Determine the second initial transfer amounts.
Wherein, described second amount of money threshold value is triggered less than or equal to described second reserved amount threshold value；Described second initially turns
The account amount of money is the difference of the first reserved amount threshold value and the account amount of money of current signing bank account.
Step 210, the second initial transfer amounts described in cardinal sum of transferring accounts according to second pre-set determine the second target
Transfer amounts.
Wherein, described second target transfer amounts is:Wherein, B2Initially transfer accounts gold for described second
Volume；C2Transfer accounts radix for described second.Second herein transfer accounts radix for make the second each target transfer amounts be this
Two multiples transferring accounts radix, the such as second radix of transferring accounts is 100 yuan, then the second target transfer amounts is the multiple of 100 yuan, as
500 yuan, 1000 yuan etc..
Step 211, the second target transfer amounts in described signing bank account is produced the described mesh pre-set
Mark bank account.
Execution step 201 can be returned after step 211, or perform step 212.
Step 209 is transferred accounts to step 211 and is carried out in the case of radix being provided with second herein.
Step 212, proceed to accumulating sum more than or equal to the accumulating sum that pre-sets monitor signing bank account
During threshold value, stop the account amount of money of monitoring signing bank account.
The control of the multiple bank account amount of money can be realized, such as: many in family by above-mentioned steps 201 to step 212
Individual account (debit card) can set in real time monitoring, amount of money surplus is produced, reserved amount and the triggering amount of money are 0, target account
For same account, it is possible to achieve the automatic fund of family collects demand together；The most such as: wage card setting timing is monitored,
Amount of money surplus is produced, reserved amount is 3000, and radix of transferring accounts is 100, and target account is time deposit certificate, then can realize monthly staying
Deposit 3000 to open time deposit certificate by the multiple of 100 obtain the demand of fixed-term interest income for the consumption expenditure, residue.
The control method of a kind of bank account amount of money that the embodiment of the present invention provides, it can monitor a signing bank account
The account amount of money；Judge the account amount of money of described signing bank account whether meet the amount of money surplus pre-set produce condition or
Person's amount of money shortage proceeds to condition；The account amount of money in described signing bank account meets described amount of money surplus and produces condition, then will
The account amount of money of described signing bank account produces a target bank account pre-set；In described signing bank account
The account amount of money meets described amount of money shortage and proceeds to condition, then the account amount of money of the target bank account pre-set is transferred to
Described signing bank account.Visible, the present invention frequently pays close attention to turning between bank account without bank client or banking system
Account and transaction, it is possible to by the account amount of money of monitoring signing bank account, automatically carry out proceeding to and produce the account amount of money, can solve
Certainly the Financing control between current multiple bank accounts is the most convenient, and bank client and banking system have needed substantial amounts of behaviour
Make, the problem of the relatively complicated complexity of process such as the fund between bank account monitors, transfer accounts.
Corresponding to the embodiment of the method for above-mentioned Fig. 1 to Fig. 3, as shown in Figure 4, the embodiment of the present invention provides a kind of bank account
The control device of the amount of money, including:
Account Monitoring unit 31, for the account amount of money of monitoring one signing bank account.
Judging unit 32, for judging whether the account amount of money of described signing bank account meets the amount of money pre-set and be full of
More than produce condition or amount of money shortage proceeds to condition.
The amount of money produces unit 33, produces bar for meeting described amount of money surplus at the account amount of money of described signing bank account
During part, the account amount of money of described signing bank account is produced to a target bank account pre-set.
The amount of money proceeds to unit 34, proceeds to bar for meeting described amount of money shortage at the account amount of money of described signing bank account
Part, the account amount of money of the target bank account pre-set is transferred to described signing bank account.
Additionally, account monitoring unit 31, specifically for:
Obtain a monitor duration pre-set, and in described monitor duration, monitor the account of described signing bank account
The amount of money.
Additionally, described Account Monitoring unit 31, specifically it is additionally operable to:
In described monitor duration, preset supervision interval timing with one monitor the account amount of money of described signing bank account.
Further, described Account Monitoring unit 31, specifically it is additionally operable to:
The account amount of money of described signing bank account is monitored in real time in described monitor duration.
Additionally, the amount of money surplus in described judging unit 32 to produce the account amount of money that condition is described signing bank account big
In the first triggering amount of money threshold value pre-set.
The described amount of money produces unit 33, specifically for:
When the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, by described label
The about account amount of money of bank account produces a target bank account pre-set so that the signing bank account after producing
The account amount of money is equal to a first reserved amount threshold value pre-set；Described first triggers amount of money threshold value more than or equal to described first
Reserved amount threshold value.
It addition, the amount of money surplus in described judging unit 32 to produce the account amount of money that condition is described signing bank account big
In equal to the first triggering amount of money threshold value pre-set.
The described amount of money produces unit 33, specifically for:
When the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, according to currently
The first reserved amount threshold value that the account amount of money and one of signing bank account pre-sets determines the first initial transfer amounts；Described
First triggers amount of money threshold value more than or equal to described first reserved amount threshold value；Described first initial transfer amounts is silver of currently contracting
The account amount of money of row account and the difference of the first reserved amount threshold value.
First object transfer amounts is determined according to first pre-set the first initial transfer amounts described in cardinal sum of transferring accounts；
Described first object transfer amounts is:Wherein, B1For the described first initial transfer amounts；C1For described first
Transfer accounts radix.
First object transfer amounts in described signing bank account is produced the described target bank account pre-set
Family.
It addition, the amount of money shortage in described judging unit 32 to proceed to the account amount of money that condition is described signing bank account little
In the second triggering amount of money threshold value pre-set.
The described amount of money proceeds to unit 34, specifically at the account amount of money of described signing bank account less than pre-setting
During the second triggering amount of money threshold value, the account amount of money of the target bank account pre-set is transferred to described signing bank account
Family so that the account amount of money of the signing bank account after proceeding to is equal to a second reserved amount threshold value pre-set；Described
Two trigger amount of money threshold value less than or equal to described second reserved amount threshold value.
Additionally, the amount of money shortage in described judging unit 32 to proceed to the account amount of money that condition is described signing bank account little
In the second triggering amount of money threshold value pre-set.
The described amount of money proceeds to unit 34, specifically at the account amount of money of described signing bank account less than pre-setting
During the second triggering amount of money threshold value, the second reserved amount threshold pre-set according to the account amount of money and one of current signing bank account
Value determines the second initial transfer amounts；Described second triggers amount of money threshold value less than or equal to described second reserved amount threshold value；Described
Second initial transfer amounts is the difference of the first reserved amount threshold value and the account amount of money of current signing bank account.
The second target transfer amounts is determined according to second pre-set the second initial transfer amounts described in cardinal sum of transferring accounts；
Described second target transfer amounts is:Wherein, B2For the described second initial transfer amounts；C2For described second
Transfer accounts radix.
The second target transfer amounts in described signing bank account is produced the described target bank account pre-set
Family.
As it is shown in figure 5, the control device of this bank account amount of money, it is also possible to including:
Accumulating sum monitoring unit 35, can monitor producing accumulating sum and proceeding to accumulative gold of described signing bank account
Volume.
Terminate unit 36, accumulating sum can be produced described or proceed to accumulating sum more than or equal to adding up of pre-setting
During amount of money threshold value, stop the account amount of money of monitoring signing bank account.
What deserves to be explained is, the specific implementation controlling device of the bank account amount of money that the embodiment of the present invention provides can
The embodiment of the method corresponding to see above-mentioned Fig. 1 to Fig. 3, here is omitted.
The control device of a kind of bank account amount of money that the embodiment of the present invention provides, it can monitor a signing bank account
The account amount of money；Judge the account amount of money of described signing bank account whether meet the amount of money surplus pre-set produce condition or
Person's amount of money shortage proceeds to condition；The account amount of money in described signing bank account meets described amount of money surplus and produces condition, then will
The account amount of money of described signing bank account produces a target bank account pre-set；In described signing bank account
The account amount of money meets described amount of money shortage and proceeds to condition, then the account amount of money of the target bank account pre-set is transferred to
Described signing bank account.Visible, the present invention frequently pays close attention to turning between bank account without bank client or banking system
Account and transaction, it is possible to by the account amount of money of monitoring signing bank account, automatically carry out proceeding to and produce the account amount of money, can solve
Certainly the Financing control between current multiple bank accounts is the most convenient, and bank client and banking system have needed substantial amounts of behaviour
Make, the problem of the relatively complicated complexity of process such as the fund between bank account monitors, transfer accounts.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the reality in terms of the present invention can use complete hardware embodiment, complete software implementation or combine software and hardware
Execute the form of example.And, the present invention can use at one or more computers wherein including computer usable program code
The upper computer program product implemented of usable storage medium (including but not limited to disk memory, CD-ROM, optical memory etc.)
The form of product.
The present invention is with reference to method, equipment (system) and the flow process of computer program according to embodiments of the present invention
Figure and/or block diagram describe.It should be understood that can the most first-class by computer program instructions flowchart and/or block diagram
Flow process in journey and/or square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
Instruction arrives the processor of general purpose computer, special-purpose computer, Embedded Processor or other programmable data processing device to produce
A raw machine so that the instruction performed by the processor of computer or other programmable data processing device is produced for real
The device of the function specified in one flow process of flow chart or multiple flow process and/or one square frame of block diagram or multiple square frame now.
These computer program instructions may be alternatively stored in and computer or other programmable data processing device can be guided with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in this computer-readable memory produces and includes referring to
Make the manufacture of device, this command device realize at one flow process of flow chart or multiple flow process and/or one square frame of block diagram or
The function specified in multiple square frames.
These computer program instructions also can be loaded in computer or other programmable data processing device so that at meter
Perform sequence of operations step on calculation machine or other programmable devices to produce computer implemented process, thus at computer or
The instruction performed on other programmable devices provides for realizing at one flow process of flow chart or multiple flow process and/or block diagram one
The step of the function specified in individual square frame or multiple square frame.
The present invention applies specific embodiment principle and the embodiment of the present invention are set forth, above example
Explanation be only intended to help to understand method and the core concept thereof of the present invention；Simultaneously for one of ordinary skill in the art,
According to the thought of the present invention, the most all will change, in sum, in this specification
Hold and should not be construed as limitation of the present invention.
Claims (18)
1. the control method of a bank account amount of money, it is characterised in that including:
The account amount of money of monitoring one signing bank account；
Judge whether the account amount of money of described signing bank account meets the amount of money surplus pre-set and produce condition or the amount of money
Shortage proceeds to condition；
If the account amount of money of described signing bank account meets described amount of money surplus produces condition, then by described signing bank account
The account amount of money produce a target bank account pre-set；
If the account amount of money of described signing bank account meets described amount of money shortage proceeds to condition, then the target pre-set
The account amount of money of bank account is transferred to described signing bank account.
The control method of the bank account amount of money the most according to claim 1, it is characterised in that described monitoring one is contracted bank
The account amount of money of account, including:
Obtain a monitor duration pre-set, and in described monitor duration, monitor the account gold of described signing bank account
Volume.
The control method of the bank account amount of money the most according to claim 2, it is characterised in that supervise in described monitor duration
Control the account amount of money of described signing bank account, including:
In described monitor duration, preset supervision interval timing with one monitor the account amount of money of described signing bank account.
The control method of the bank account amount of money the most according to claim 2, it is characterised in that supervise in described monitor duration
Control the account amount of money of described signing bank account, including:
The account amount of money of described signing bank account is monitored in real time in described monitor duration.
5. according to the control method of the bank account amount of money described in claim 3 or 4, it is characterised in that described amount of money surplus turns
Go out the account amount of money that condition is described signing bank account and trigger amount of money threshold value more than first pre-set；
If the account amount of money of described signing bank account meets described amount of money surplus produces condition, then by described signing bank account
The account amount of money produce a target bank account pre-set, including:
If the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, by described signing bank
The account amount of money of account produces a target bank account pre-set so that the account gold of the signing bank account after producing
Volume is equal to a first reserved amount threshold value pre-set；Described first triggers amount of money threshold value more than or equal to described first preserving capital
Volume threshold value.
6. according to the control method of the bank account amount of money described in claim 3 or 4, it is characterised in that described amount of money surplus turns
Go out the account amount of money that condition is described signing bank account and trigger amount of money threshold value more than or equal to first pre-set；
If the account amount of money of described signing bank account meets described amount of money surplus produces condition, then by described signing bank account
The account amount of money produce a target bank account pre-set, including:
If the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, according to silver of currently contracting
The first reserved amount threshold value that the account amount of money of row account and one pre-sets determines the first initial transfer amounts；Described first touches
Send out amount of money threshold value more than or equal to described first reserved amount threshold value；Described first initial transfer amounts is bank account of currently contracting
The account amount of money and the difference of the first reserved amount threshold value；
First object transfer amounts is determined according to first pre-set the first initial transfer amounts described in cardinal sum of transferring accounts；Described
First object transfer amounts is:Wherein, B1For the described first initial transfer amounts；C1Transfer accounts for described first
Radix；
First object transfer amounts in described signing bank account is produced the described target bank account pre-set.
7. according to the control method of the bank account amount of money described in claim 3 or 4, it is characterised in that described amount of money shortage turns
Enter the account amount of money that condition is described signing bank account and trigger amount of money threshold value less than second pre-set；
If the account amount of money of described signing bank account meets described amount of money shortage proceeds to condition, then the target pre-set
The account amount of money of bank account is transferred to described signing bank account, including:
If the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, pre-set one
The account amount of money of target bank account is transferred to described signing bank account so that the account gold of the signing bank account after proceeding to
Volume is equal to a second reserved amount threshold value pre-set；Described second triggers amount of money threshold value less than or equal to described second preserving capital
Volume threshold value.
8. according to the control method of the bank account amount of money described in claim 3 or 4, it is characterised in that described amount of money shortage turns
Enter the account amount of money that condition is described signing bank account and trigger amount of money threshold value less than second pre-set；
If the account amount of money of described signing bank account meets described amount of money shortage proceeds to condition, then the target pre-set
The account amount of money of bank account is transferred to described signing bank account, including:
If the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, according to silver of currently contracting
The second reserved amount threshold value that the account amount of money of row account and one pre-sets determines the second initial transfer amounts；Described second touches
Send out amount of money threshold value less than or equal to described second reserved amount threshold value；Described second initial transfer amounts is the first reserved amount threshold value
Difference with the account amount of money of current signing bank account；
The second target transfer amounts is determined according to second pre-set the second initial transfer amounts described in cardinal sum of transferring accounts；Described
Second target transfer amounts is:Wherein, B2For the described second initial transfer amounts；C2Transfer accounts for described second
Radix；
The second target transfer amounts in described signing bank account is produced the described target bank account pre-set.
9. according to the control method of the bank account amount of money described in claim 3 or 4, it is characterised in that also include:
Monitor producing accumulating sum and proceeding to accumulating sum of described signing bank account；
Produce accumulating sum described in if or proceed to accumulating sum more than or equal to the accumulating sum threshold value pre-set, stopping monitoring and sign
The about account amount of money of bank account.
10. the control device of a bank account amount of money, it is characterised in that including:
Account Monitoring unit, for the account amount of money of monitoring one signing bank account；
Judging unit, for judging whether the account amount of money of described signing bank account meets the amount of money surplus pre-set and produce
Condition or amount of money shortage proceed to condition；
The amount of money produces unit, for the account amount of money of described signing bank account meet described amount of money surplus produce condition time,
The account amount of money of described signing bank account is produced to a target bank account pre-set；
The amount of money proceeds to unit, proceeds to condition for meeting described amount of money shortage at the account amount of money of described signing bank account, will
The account amount of money of the target bank account that pre-sets is transferred to described signing bank account.
The control device of the 11. bank account amount of money according to claim 10, it is characterised in that described Account Monitoring list
Unit, specifically for:
Obtain a monitor duration pre-set, and in described monitor duration, monitor the account gold of described signing bank account
Volume.
The control device of the 12. bank account amount of money according to claim 11, it is characterised in that described Account Monitoring list
Unit, is specifically additionally operable to:
In described monitor duration, preset supervision interval timing with one monitor the account amount of money of described signing bank account.
The control device of the 13. bank account amount of money according to claim 11, it is characterised in that described Account Monitoring list
Unit, is specifically additionally operable to:
The account amount of money of described signing bank account is monitored in real time in described monitor duration.
14. according to the control device of the bank account amount of money described in claim 12 or 13, it is characterised in that described judging unit
In amount of money surplus produce the account amount of money that condition is described signing bank account more than the first triggering amount of money threshold pre-set
Value；
The described amount of money produces unit, specifically for:
When the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, by described signing silver
The account amount of money of row account produces a target bank account pre-set so that the account of the signing bank account after producing
The amount of money is equal to a first reserved amount threshold value pre-set；Described first triggers amount of money threshold value retains more than or equal to described first
Amount of money threshold value.
15. according to the control device of the bank account amount of money described in claim 12 or 13, it is characterised in that described judging unit
In amount of money surplus produce the account amount of money that condition is described signing bank account more than or equal to the first triggering gold pre-set
Volume threshold value；
The described amount of money produces unit, specifically for:
When the account amount of money of described signing bank account is more than the first triggering amount of money threshold value pre-set, according to current signing
The first reserved amount threshold value that the account amount of money of bank account and one pre-sets determines the first initial transfer amounts；Described first
Trigger amount of money threshold value more than or equal to described first reserved amount threshold value；Described first initial transfer amounts is current signing bank account
The account amount of money at family and the difference of the first reserved amount threshold value；
First object transfer amounts is determined according to first pre-set the first initial transfer amounts described in cardinal sum of transferring accounts；Described
First object transfer amounts is:Wherein, B1For the described first initial transfer amounts；C1Transfer accounts for described first
Radix；
First object transfer amounts in described signing bank account is produced the described target bank account pre-set.
16. according to the control device of the bank account amount of money described in claim 12 or 13, it is characterised in that described judging unit
In amount of money shortage proceed to the account amount of money that condition is described signing bank account less than the second triggering amount of money threshold pre-set
Value；
The described amount of money proceeds to unit, specifically for:
When the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, pre-set one
The account amount of money of target bank account be transferred to described signing bank account so that the account of the signing bank account after proceeding to
The amount of money is equal to a second reserved amount threshold value pre-set；Described second triggers amount of money threshold value retains less than or equal to described second
Amount of money threshold value.
17. according to the control device of the bank account amount of money described in claim 12 or 13, it is characterised in that described judging unit
In amount of money shortage proceed to the account amount of money that condition is described signing bank account less than the second triggering amount of money threshold pre-set
Value；
The described amount of money proceeds to unit, specifically for:
When the account amount of money of described signing bank account is less than the second triggering amount of money threshold value pre-set, according to current signing
The second reserved amount threshold value that the account amount of money of bank account and one pre-sets determines the second initial transfer amounts；Described second
Trigger amount of money threshold value less than or equal to described second reserved amount threshold value；Described second initial transfer amounts is the first reserved amount threshold
The difference of the account amount of money of value and current signing bank account；
The second target transfer amounts is determined according to second pre-set the second initial transfer amounts described in cardinal sum of transferring accounts；Described
Second target transfer amounts is:Wherein, B2For the described second initial transfer amounts；C2Transfer accounts for described second
Radix；
The second target transfer amounts in described signing bank account is produced the described target bank account pre-set.
18. according to the control device of the bank account amount of money described in claim 12 or 13, it is characterised in that also include:
Accumulating sum monitoring unit, for monitoring producing accumulating sum and proceeding to accumulating sum of described signing bank account；
Terminate unit, for producing accumulating sum described or proceed to accumulating sum more than or equal to the accumulating sum threshold pre-set
During value, stop the account amount of money of monitoring signing bank account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610788596.5A CN106157137A (en) | 2016-08-31 | 2016-08-31 | The control method of a kind of bank account amount of money and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610788596.5A CN106157137A (en) | 2016-08-31 | 2016-08-31 | The control method of a kind of bank account amount of money and device |
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| Publication Number | Publication Date |
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| CN106157137A true CN106157137A (en) | 2016-11-23 |
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ID=57344693
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| CN201610788596.5A Pending CN106157137A (en) | 2016-08-31 | 2016-08-31 | The control method of a kind of bank account amount of money and device |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107358524A (en) * | 2017-07-24 | 2017-11-17 | 中国银行股份有限公司 | A kind of method of multiple account managements in the ranks flat account of fund under currency of the same race |
| CN109697661A (en) * | 2018-11-19 | 2019-04-30 | 中国银行股份有限公司 | A kind of account management system |
| CN110428122A (en) * | 2019-05-27 | 2019-11-08 | 平安银行股份有限公司 | Data processing method, device, electronic equipment and storage medium |
-
2016
- 2016-08-31 CN CN201610788596.5A patent/CN106157137A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107358524A (en) * | 2017-07-24 | 2017-11-17 | 中国银行股份有限公司 | A kind of method of multiple account managements in the ranks flat account of fund under currency of the same race |
| CN109697661A (en) * | 2018-11-19 | 2019-04-30 | 中国银行股份有限公司 | A kind of account management system |
| CN110428122A (en) * | 2019-05-27 | 2019-11-08 | 平安银行股份有限公司 | Data processing method, device, electronic equipment and storage medium |
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Application publication date: 20161123 |