CN109741043B - Fund management method, apparatus and storage medium - Google Patents
Fund management method, apparatus and storage medium Download PDFInfo
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Abstract
The invention provides a fund management method, a fund management device and a storage medium, which are applied to a clearing platform, wherein the method comprises the steps of determining a plurality of management levels in the clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; funds for the target payment authority are managed based on the corresponding funds-in-reserve account. The invention can meet the high-concurrency fund management requirement and effectively improve the fund management effect.
Description
Technical Field
The present invention relates to the field of clearing technology, and in particular, to a method, an apparatus, and a storage medium for fund management.
Background
In the actual application process of the clearing platform, the clearing platform is in a distributed structure, in the related art, for the fund management of a single account under the distributed structure, the account hotspot is formed because the high concurrent account processing capacity cannot be met, and the account of the type can be called as a hotspot account.
In the related art, a solution for hot accounts has two modes of batch processing and credit granting.
Under the two modes, the batch processing mode cannot solve the timeliness problem due to the limitation of batch package processing efficiency, on one hand, the money credit mode needs to sign a credit agreement with a payment mechanism, and on the other hand, the mechanism malicious overdraft limit cannot be technically avoided, so that the fund risk is possibly caused, and the high-concurrency fund management requirement cannot be met.
Disclosure of Invention
The present invention is directed to solving, at least to some extent, one of the technical problems in the related art.
Therefore, one objective of the present invention is to provide a fund management method, which can meet the highly concurrent fund management requirements and effectively improve the fund management effect.
Another object of the invention is to propose a fund management device.
It is another object of the invention to propose a non-transitory computer-readable storage medium.
Another object of the invention is to propose a computer program product.
Another object of the invention is to propose a computer device.
In order to achieve the above object, a fund management method provided in an embodiment of the first aspect of the present invention is applied to a clearing platform, and includes: determining a plurality of management levels in the clearing platform; allocating a reserve payment account corresponding to each management level for a target payment mechanism; and managing funds of the target payment mechanism based on the corresponding pay-as-you-go account.
The fund management method provided by the embodiment of the first aspect of the invention comprises the steps of determining a plurality of management levels in a clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
In order to achieve the above object, a fund management device according to an embodiment of the second aspect of the present invention is applied to a clearing platform, and includes: a determination module to determine a plurality of management levels in the clearing platform; the distribution module is used for distributing the reserve payment accounts corresponding to the management levels aiming at the target payment mechanism; and the management module is used for managing the funds of the target payment mechanism based on the corresponding reserve payment account.
The fund management device provided by the embodiment of the second aspect of the invention is characterized in that a plurality of management levels in a clearing platform are determined; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
To achieve the above object, a non-transitory computer-readable storage medium is provided in an embodiment of a third aspect of the present invention, where instructions in the storage medium, when executed by a processor of a mobile terminal, enable the mobile terminal to execute a fund management method applied in a clearing platform, the method including: determining a plurality of management levels in the clearing platform; allocating a reserve payment account corresponding to each management level for a target payment mechanism; and managing funds of the target payment mechanism based on the corresponding pay-as-you-go account.
A non-transitory computer readable storage medium according to an embodiment of a third aspect of the present invention is a computer readable storage medium for performing a method for clearing a plurality of management levels in a clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; the fund of the target payment mechanism is managed based on the corresponding reserve payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
To achieve the above object, a computer program product according to a fourth aspect of the present invention is a computer program product, wherein when the instructions of the computer program product are executed by a processor, the computer program product executes a fund management method applied in a clearing platform, and the method includes: determining a plurality of management levels in the clearing platform; allocating a reserve payment account corresponding to each management level for a target payment mechanism; and managing funds of the target payment mechanism based on the corresponding pay-as-you-go account.
A computer program product according to a fourth aspect of the present invention is provided by determining a plurality of management levels in a clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; the fund of the target payment mechanism is managed based on the corresponding reserve payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
The fifth embodiment of the present invention further provides a computer device, which includes a housing, a processor, a memory, a circuit board and a power circuit, wherein the circuit board is disposed inside a space enclosed by the housing, and the processor and the memory are disposed on the circuit board; the power supply circuit is used for supplying power to each circuit or device of the computer equipment; the memory is used for storing executable program codes; the processor executes a program corresponding to the executable program code by reading the executable program code stored in the memory, for performing: determining a plurality of management levels in the clearing platform; allocating a reserve payment account corresponding to each management level for a target payment mechanism; and managing funds of the target payment mechanism based on the corresponding reserve payment account.
The computer device provided by the embodiment of the fifth aspect of the invention is characterized in that a plurality of management levels in the clearing platform are determined; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
The above and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a schematic flow chart of a fund management method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a fund management method according to another embodiment of the present invention;
FIG. 3 is a block diagram illustrating an architecture of a prepaid account according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a system design of a prepaid monetary sub-account according to an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a fund management device according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the accompanying drawings are illustrative only for the purpose of explaining the present invention, and are not to be construed as limiting the present invention. On the contrary, the embodiments of the invention include all changes, modifications and equivalents coming within the spirit and terms of the claims appended hereto.
Fig. 1 is a flow chart of a fund management method according to an embodiment of the present invention.
The present embodiment is illustrated with the fund management method configured as a fund management device.
The fund management method in this embodiment may be configured in the fund management apparatus, and the fund management apparatus may be set in the server, or may also be set in the electronic device, which is not limited in this embodiment of the present invention.
The present embodiment takes the example that the fund management method is configured in the server.
The electronic device is, for example, a Personal Computer (PC), a cloud device or a mobile device, and the mobile device is, for example, a smart phone or a tablet Computer.
It should be noted that, the execution main body of the embodiment of the present invention may be, for example, a Central Processing Unit (CPU) in a server or an electronic device in terms of hardware, and may be, for example, a related background service in the server or the electronic device in terms of software, which is not limited to this.
The fund management method in the embodiment is applied to a clearing platform which is in a distributed structure.
In the actual application process of the clearing platform, the clearing platform is in a distributed structure, in the related art, for the fund management of a single account under the distributed structure, the account hotspot is formed because the high concurrent account processing capacity cannot be met, and the account of the type can be called as a hotspot account.
In the related art, a solution for hot account has two modes of batch processing and money credit granting.
Under the two modes, the batch processing mode cannot solve the timeliness problem due to the limitation of batch package processing efficiency, on one hand, the money credit mode needs to sign a credit agreement with a payment mechanism, and on the other hand, the mechanism malicious overdraft limit cannot be technically avoided, so that the fund risk is possibly caused, and the high-concurrency fund management requirement cannot be met.
In order to solve the above technical problem, an embodiment of the present invention provides a fund management method, which determines a plurality of management levels in a clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
Referring to fig. 1, the method includes:
s101: a plurality of management levels in the clearing platform are determined.
The clearing platform in the embodiment of the invention is a distributed structure.
The architecture of the reserve payment account corresponds to a distributed structure of a clearing platform, and specifically, the clearing platform includes: the system comprises a centralized management platform, a plurality of database management centers and a database, wherein the database management centers can be distributed in different geographical areas, the centralized management platform is used for performing centralized management on data in the database management centers, and correspondingly, the database is used for supporting the cash-out service and the cash-in service of each payment mechanism.
In the embodiment of the invention, each database management center respectively processes network payment transactions initiated by different payment mechanisms, and the transaction data of each database management center needs to be collected and collected to the centralized management platform, so in the embodiment of the invention, the reserve payment account of the centralized management platform hierarchy can be respectively set up for different payment mechanisms in the centralized management platform, the reserve payment account of the database management center hierarchy can be set up for each database management center, and the reserve payment account of the database hierarchy can be set up for the database hierarchy, and the reserve payment account of the database hierarchy can be a plurality of discrete virtual sub-accounts based on performance consideration.
The management hierarchy comprises: a centralized management platform tier, a database management center tier, and a database tier.
S102: and allocating the reserve payment accounts corresponding to the management levels aiming at the target payment mechanism.
Optionally, allocating, for the target payment authority, a reserve payment account corresponding to each management level includes: aiming at a target payment mechanism, allocating primary accounts of the reserve payment corresponding to the levels of the centralized management platform, wherein the number of the primary accounts of the reserve payment is one; distributing the reserve payment sub-accounts corresponding to the hierarchy of the database management center aiming at the target payment mechanism, wherein the number of the reserve payment main accounts is the same as that of the database management center; for a target payment authority, allocating a prepaid fund sub-account corresponding to a database tier, the prepaid fund sub-account comprising: a plurality of money-depositing sub-accounts and a plurality of money-drawing sub-accounts.
Optionally, allocating, for the target payment authority, a prepaid sub-account corresponding to the database tier, comprising: determining a target quantity according to the service type of the target payment mechanism; for a target payment authority, a target number of reserve fund sub-accounts corresponding to the database tier are allocated.
After allocating the reserve payment accounts corresponding to each management level for the target payment institution as described above, the management of funds of the target payment institution based on the corresponding reserve payment accounts may be triggered.
S103: funds for the target payment authority are managed based on the corresponding funds-in-reserve account.
Optionally, in a specific implementation process, the embodiment of the present invention manages funds of the target payment mechanism based on the corresponding reserve payment account, including: determining a call proportion value corresponding to each management level; and the funds of the target payment mechanism are distributed and stored in the reserve payment account corresponding to each management level according to each corresponding transfer proportion value.
As an example, the value of the balance transfer proportion between the balance accounts of the centralized management platform hierarchy, the database management center hierarchy, and the database hierarchy may be X: y: and Z relation is used for allocating the reserve payment, and during the initial allocation, the reserve payment of the target payment mechanism can be stored, wherein the part with the proportion of X/(X + Y + Z) is stored in the reserve payment account at the level of the centralized management platform, the part with the proportion of Y/(X + Y + Z) is stored in the reserve payment account at the level of the database management center, and the part with the proportion of Z/(X + Y + Z) is stored in the reserve payment account at the level of the database.
The dialing proportion value can be preset by dialing empirical value, which is not limited.
By means of the method, the reserve payment accounts of all management levels can be fully utilized, and initialization balance of the reserve payment accounts of all management levels can be achieved.
As an example, a three-level account system may be longitudinally adopted to implement an architecture of a prepaid account, which is specifically designed as follows:
and the primary account of the reserve payment corresponding to the level of the centralized management platform.
The clearing platform is of a distributed structure, each database management center respectively processes network payment transactions initiated by different payment mechanisms, and transaction data of each database management center needs to be collected and collected to the centralized management platform.
And the second stage is the reserve payment sub-account corresponding to the hierarchy of the database management center.
Each database management center of the clearing platform can independently process network payment services and does not depend on a centralized management platform, and in the specific execution process, the embodiment of the invention can collect the available balance of the reserve payment account of each database management center into the reserve payment main account, can also transfer funds from the reserve payment main account through the reserve payment account, and then transfers the funds to the reserve payment sub-account corresponding to the database management center.
In the specific implementation process of the embodiment of the invention, a corresponding reserve payment sub-account can be distributed in the database management center aiming at each target payment mechanism, the balance of the deposit sub-account is collected at regular time through the reserve payment sub-account and is transferred to the deposit sub-account, so that the sufficient fund of the deposit sub-account is ensured, and the available balance of the account can be collected to the reserve payment sub-account before the target payment mechanism is submitted.
Third grade, with the reserve payment account that database hierarchy corresponds, reserve payment account includes: a plurality of money-depositing sub-accounts and a plurality of money-drawing sub-accounts.
In the specific execution process, the prepaid fund sub-account can be set into a plurality of discrete virtual sub-accounts based on high concurrency performance consideration, the prepaid fund sub-account and the prepaid fund sub-account are in a parent-child relationship, and the proportion relationship is N:1.
In the specific implementation process of the embodiment of the invention, as the number of the database management centers of the clearing platform can be multiple and the database management centers are distributed in different geographic areas, the main account of the pay-by-payment is managed according to the geographic areas according to each database management center; the method aims at a target payment mechanism, the reserve payment sub-accounts with the target number corresponding to the database hierarchy are distributed, the service expansion requirement of a clearing platform can be met flexibly, and the flexibility of the method is improved.
Optionally, in some embodiments, referring to fig. 2, managing funds for the target payment authority based on the corresponding reserve payment account includes:
s201: and triggering the main account of the reserve payment to collect the funds in each fund sub-account and the sub-account of the reserve payment every other preset period.
S202: and transferring the funds in the fund entering sub-account to the fund outlet sub-account by combining with a preset strategy according to each management level.
Referring to fig. 3, fig. 3 is a schematic diagram of an architecture of a prepaid account according to an embodiment of the present invention.
In the specific implementation process of the embodiment of the present invention, the prepaid fund sub-account may be set as a plurality of discrete virtual sub-accounts, see fig. 4, and fig. 4 is a schematic design diagram of the prepaid fund sub-account system in the embodiment of the present invention.
In an actual application scene, according to different service types, agreement payment, bank verification agreement payment, authentication payment, gateway payment attribution deposit service, refund and payment attribution deposit service, wherein the deposit service mainly comprises the operation of adding amount in a spare fund sub-account, the deposit service mainly comprises the operation of deducting the amount in the spare fund sub-account, and the deposit and deposit operation of the spare fund sub-account relates to two modes of the spare fund sub-account: the fund account and the fund account are set discretely, and the fund account are shared.
In the embodiment of the invention, the deposit sub-account and the cash-out sub-account can be set discretely, the deposit sub-account has relatively low requirement on deposit timeliness, the cash-out sub-account has relatively high requirement on cash-out timeliness, and the separate deposit and cash-out can meet the requirement of different service types on processing timeliness. The deposit service accounts for 90% of the mobile payment traffic, and the deposit sub-account can be discretized into relatively many virtual sub-accounts to meet performance requirements. The deposit operation is firstly recorded into the cash flow meter, the balance in the cash flow meter is gathered to the deposit account at regular time, the concurrence of the reserved cash account is reduced by 90%, and the problem of the deposit hotspot account can be solved; the cash-out service accounts for about 10% of the mobile payment, and relatively small amounts of cash-out sub-accounts can be dispersed. When the cash-in sub-accounts are separated, the cash-out sub-accounts can be reduced by about 90%, the payment amount of a payment mechanism is increased by 9 times when the payment is allocated to each cash-out sub-account, and the probability of cash-out service with insufficient balance in a single cash-out sub-account is greatly reduced; the balance of the deposit sub-account can be collected to the main account of the reserve payment at regular time, and the main account of the reserve payment is dynamically transferred to the deposit sub-account of the reserve payment according to the residual amount of the deposit sub-account, so that the supplement of the amount of the deposit sub-account is completed. The deposit sub-account and the payout sub-account can be used for dispersing different amounts of deposit account amount and payout sub-account amount according to the service volume of the payment mechanism so as to meet different performance requirements.
In the embodiment of the invention, the system architecture of the pay-as-you-go account can solve the hot point problem of the pay-as-you-go account under the condition that the pay-as-you-go accounts of the third-party payment mechanism are stored in a centralized manner, and meets the high-concurrency fund management requirement from the technical perspective.
In the embodiment, a plurality of management levels in the clearing platform are determined; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
Fig. 5 is a schematic structural diagram of a fund management apparatus according to an embodiment of the present invention.
The method is applied to a clearing platform.
Referring to fig. 5, the apparatus 500 includes:
a determining module 501 for determining a plurality of management levels in a clearing platform.
An allocation module 502, configured to allocate the reserve payment accounts corresponding to the management levels for the target payment mechanism.
And the management module 503 is configured to manage the funds of the target payment mechanism based on the corresponding reserve payment account.
Optionally, in some embodiments, the management hierarchy comprises: a centralized management platform tier, a database management center tier, and a database tier, an assignment module 502 specifically configured to:
aiming at a target payment mechanism, allocating primary accounts of the reserve payment corresponding to the levels of the centralized management platform, wherein the number of the primary accounts of the reserve payment is one;
aiming at a target payment mechanism, allocating the main accounts of the reserve payment corresponding to the hierarchy of the database management center, wherein the number of the main accounts of the reserve payment is the same as that of the database management center;
for a target payment mechanism, allocating a reserve fund sub-account corresponding to a database tier, the reserve fund sub-account comprising: a plurality of money-depositing sub-accounts and a plurality of money-drawing sub-accounts.
Optionally, in some embodiments, the allocating module 502 is specifically configured to:
determining a target number according to the service type of the target payment mechanism;
and allocating the target number of the sub-accounts of the reserve payment amount corresponding to the database hierarchy aiming at the target payment mechanism.
Optionally, in some embodiments, the management module 503 is specifically configured to:
determining a call proportion value corresponding to each management level;
and the funds of the target payment mechanism are distributed and stored in the reserve payment account corresponding to each management level according to each corresponding transfer proportion value.
Optionally, in some embodiments, the management module 503 is specifically configured to:
triggering the main account of the reserve payment to collect funds in each fund sub-account and the sub-account of the reserve payment every other preset period; alternatively, the first and second electrodes may be,
and transferring the funds in the money-entering sub-account to the money-withdrawing sub-account according to each management level by combining a preset strategy.
It should be noted that the foregoing explanations of the fund management method embodiment in the embodiments of fig. 1 to fig. 4 also apply to the fund management apparatus 500 of this embodiment, and the implementation principle is similar, and will not be described herein again.
In the embodiment, a plurality of management levels in the clearing platform are determined; allocating a reserve payment account corresponding to each management level for the target payment mechanism; the fund of the target payment mechanism is managed based on the corresponding reserve payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
Fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
The computer device may be a mobile phone, a tablet computer, etc.
Referring to fig. 6, the computer device 60 of the present embodiment includes: the device comprises a shell 601, a processor 602, a memory 603, a circuit board 604 and a power supply circuit 605, wherein the circuit board 604 is arranged in a space surrounded by the shell 601, and the processor 602 and the memory 603 are arranged on the circuit board 604; a power supply circuit 605 for supplying power to each circuit or device of the computer apparatus 60; the memory 603 is used for storing executable program codes; wherein the processor 602 runs a program corresponding to the executable program code by reading the executable program code stored in the memory 603, for performing:
determining a plurality of management levels in a clearing platform;
allocating a reserve payment account corresponding to each management level for the target payment mechanism;
funds for the target payment mechanism are managed based on the corresponding reserve payment account.
It should be noted that the foregoing explanation on the embodiment of the fund management method in fig. 1 to fig. 4 is also applicable to the computer device 60 of this embodiment, and the implementation principle is similar, and is not described herein again.
The computer device in the embodiment determines a plurality of management levels in the clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
In order to implement the foregoing embodiment, the present invention further provides a non-transitory computer-readable storage medium, where instructions in the storage medium, when executed by a processor of a terminal, enable the terminal to execute a fund management method applied in a clearing platform, the method including:
determining a plurality of management levels in a clearing platform;
allocating a reserve payment account corresponding to each management level for the target payment mechanism;
funds for the target payment mechanism are managed based on the corresponding reserve payment account.
The non-transitory computer readable storage medium in this embodiment, by determining a plurality of management levels in a clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
In order to implement the foregoing embodiment, the present invention further provides a computer program product, wherein when instructions in the computer program product are executed by a processor, a fund management method is performed, and the method is applied in a clearing platform, and the method includes:
determining a plurality of management levels in a clearing platform;
allocating a reserve payment account corresponding to each management level for the target payment mechanism;
funds for the target payment authority are managed based on the corresponding funds-in-reserve account.
The computer program product in this embodiment is implemented by determining a plurality of management levels in a clearing platform; allocating a reserve payment account corresponding to each management level for the target payment mechanism; and the fund of the target payment mechanism is managed based on the corresponding pay-by-payment account, so that the high-concurrency fund management requirement can be met, and the fund management effect is effectively improved.
It should be noted that the terms "first," "second," and the like in the description of the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In addition, in the description of the present invention, "a plurality" means two or more unless otherwise specified.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, various steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description of the specification, reference to the description of "one embodiment," "some embodiments," "an example," "a specific example," or "some examples" or the like means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (12)
1. A method of fund management, wherein the method is applied in a clearing platform of a distributed architecture, the clearing platform comprising: the system comprises a plurality of databases for supporting the cash-out service and the cash-in service of each payment mechanism, a plurality of database management centers for processing network payment transactions initiated by the payment mechanisms, and a centralized management platform for summarizing and aggregating transaction data of the database management centers; the method comprises the following steps:
determining a plurality of management levels in the clearing platform;
allocating a reserve payment account corresponding to each management level for a target payment mechanism; wherein the management hierarchy comprises: a centralized management platform level, a database management center level and a database level; the allocating, for the target payment authority, a reserve payment account corresponding to each of the management levels includes: for the target payment mechanism, allocating a prepaid fund sub-account corresponding to the database tier, the prepaid fund sub-account comprising: a plurality of deposit sub-accounts for supporting the operation of adding amount of deposit service, and a plurality of cash-out sub-accounts for supporting the operation of deducting amount of cash-out service; the plurality of fund depositing sub-accounts and the plurality of fund drawing sub-accounts are discretely arranged, the number of fund depositing sub-accounts and the number of fund drawing sub-accounts with different numbers are discretely arranged according to the service volume of the payment institution, and the number of fund depositing sub-accounts is larger than the number of fund drawing sub-accounts; the method comprises the following steps of firstly recording a cash flow meter in the cash deposit operation, and summarizing balance in the cash flow meter to a cash deposit account at regular time;
and managing funds of the target payment mechanism based on the corresponding reserve payment account.
2. The funds management method of claim 1, wherein the allocating of the reserve payment account corresponding to each of the management levels for the target payment authority further comprises:
aiming at the target payment mechanism, allocating main accounts of the reserve payment corresponding to the levels of the centralized management platform, wherein the number of the main accounts of the reserve payment is one;
and distributing the reserve payment sub-accounts corresponding to the hierarchy of the database management center aiming at the target payment mechanism, wherein the number of the reserve payment main accounts is the same as that of the database management center.
3. The funds management method of claim 2, wherein the allocating, for the target payment authority, a prepaid sub-account corresponding to the database tier comprises:
determining a target quantity according to the service type of the target payment mechanism;
and aiming at the target payment mechanism, allocating the target number of the sub-accounts of the reserve payment corresponding to the database hierarchy.
4. The funds management method of claim 2, wherein the managing funds for the target payment authority based on the corresponding reserve payment account comprises:
determining a call proportion value corresponding to each management level;
and storing the funds of the target payment mechanism in the corresponding reserve payment account of each management level in a distributed manner according to each corresponding transfer proportion value.
5. The funds management method of claim 2, wherein the managing funds for the target payment authority based on the corresponding reserve payment account comprises:
triggering the main account of the reserve payment to carry out collection processing on funds in each fund-entering sub-account and the reserve payment sub-account every other preset period; alternatively, the first and second electrodes may be,
and transferring the funds in the money-entering sub-account into the money-drawing sub-account by combining with a preset strategy according to each management level.
6. A funds management apparatus, applied to a clearing platform in a distributed structure, the clearing platform comprising: the system comprises a plurality of databases for supporting the cash-out service and the cash-in service of each payment mechanism, a plurality of database management centers for processing network payment transactions initiated by the payment mechanisms, and a centralized management platform for summarizing and collecting transaction data of each database management center; the device comprises:
a determination module to determine a plurality of management levels in the clearing platform;
the distribution module is used for distributing the reserve payment accounts corresponding to the management levels aiming at the target payment mechanism; wherein the management hierarchy comprises: a centralized management platform level, a database management center level, and a database level; the allocating, for the target payment authority, a reserve payment account corresponding to each of the management levels includes: for the target payment mechanism, allocating a prepaid monetary sub-account corresponding to the database tier, the prepaid monetary sub-account comprising: a plurality of deposit sub-accounts for supporting the amount increase operation of the deposit service, and a plurality of withdrawal sub-accounts for supporting the amount deduction operation of the withdrawal service; the plurality of fund depositing sub-accounts and the plurality of fund drawing sub-accounts are arranged in a discrete mode, the amount of the fund depositing sub-accounts and the amount of the fund drawing sub-accounts with different amounts are dispersed according to the size of the service volume of the payment mechanism, and the amount of the fund depositing sub-accounts is larger than the amount of the fund drawing sub-accounts; recording a cash flow water meter in the cash deposit operation, and summarizing balance in the cash flow water meter to a cash deposit account at regular time;
and the management module is used for managing the funds of the target payment mechanism based on the corresponding reserve payment account.
7. The funds management apparatus of claim 6, wherein the allocation module is further configured to:
aiming at the target payment mechanism, allocating main accounts of the reserve payment corresponding to the levels of the centralized management platform, wherein the number of the main accounts of the reserve payment is one;
and distributing the reserve payment sub-accounts corresponding to the hierarchy of the database management center aiming at the target payment mechanism, wherein the number of the reserve payment main accounts is the same as that of the database management center.
8. The funds management apparatus of claim 7, wherein the allocation module is specifically configured to:
determining a target number according to the service type of the target payment mechanism;
and aiming at the target payment mechanism, allocating the target number of the sub-accounts of the reserve payment corresponding to the database hierarchy.
9. The funds management apparatus of claim 7, wherein the management module is specifically configured to:
determining a call proportion value corresponding to each management level;
and storing the funds of the target payment mechanism in the reserve payment account corresponding to each management level in a distributed manner according to each corresponding transfer proportion value.
10. The funds management apparatus of claim 7, wherein the management module is specifically configured to:
triggering the main back-up payment account to collect funds in each cash-in sub-account and each back-up payment sub-account at intervals of a preset period; alternatively, the first and second liquid crystal display panels may be,
and transferring the funds in the money-entering sub-account into the money-drawing sub-account by combining with a preset strategy according to each management level.
11. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the program when executed by a processor implements the funds management method of any of claims 1-5.
12. A computer device comprising a housing, a processor, a memory, a circuit board, and a power circuit, wherein the circuit board is disposed inside a space enclosed by the housing, the processor and the memory being disposed on the circuit board; the power supply circuit is used for supplying power to each circuit or device of the computer equipment; the memory is to store executable program code; the processor executes a program corresponding to the executable program code by reading the executable program code stored in the memory, for performing:
determining a plurality of management levels in a distributed architecture clearing platform, said clearing platform comprising: the system comprises a plurality of databases for supporting the cash-out service and the cash-in service of each payment mechanism, a plurality of database management centers for processing network payment transactions initiated by the payment mechanisms, and a centralized management platform for summarizing and aggregating transaction data of the database management centers;
allocating a reserve payment account corresponding to each management level for a target payment mechanism; wherein the management hierarchy comprises: a centralized management platform level, a database management center level and a database level; the allocating, for a target payment authority, a reserve payment account corresponding to each of the management levels includes: for the target payment mechanism, allocating a prepaid fund sub-account corresponding to the database tier, the prepaid fund sub-account comprising: a plurality of deposit sub-accounts for supporting the operation of adding amount of deposit service, and a plurality of cash-out sub-accounts for supporting the operation of deducting amount of cash-out service; the plurality of fund depositing sub-accounts and the plurality of fund drawing sub-accounts are arranged in a discrete mode, the amount of the fund depositing sub-accounts and the amount of the fund drawing sub-accounts with different amounts are dispersed according to the size of the service volume of the payment mechanism, and the amount of the fund depositing sub-accounts is larger than the amount of the fund drawing sub-accounts; the method comprises the following steps of firstly recording a cash flow meter in the cash deposit operation, and summarizing balance in the cash flow meter to a cash deposit account at regular time;
and managing funds of the target payment mechanism based on the corresponding reserve payment account.
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| CN110288478A (en) * | 2019-06-27 | 2019-09-27 | 网联清算有限公司 | For the transaction data processing method and its equipment of payment mechanism |
| US20220270067A1 (en) * | 2019-06-27 | 2022-08-25 | Netsunion Clearing Corporation | Transaction data processing method, device, apparatus and system |
| CN110458537B (en) * | 2019-07-01 | 2022-08-30 | 网联清算有限公司 | Method and device for processing cash-out transaction |
| CN111819587A (en) * | 2019-11-13 | 2020-10-23 | 深圳海付移通科技有限公司 | Payment transaction platform and payment transaction device |
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