CN112016914A

CN112016914A - Resource control and fund control method, device and equipment

Info

Publication number: CN112016914A
Application number: CN202010839564.XA
Authority: CN
Inventors: 田野
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-08-19
Filing date: 2020-08-19
Publication date: 2020-12-01
Anticipated expiration: 2040-08-19
Also published as: CN112016914B

Abstract

The embodiment of the specification discloses a resource control method, a resource control device and a resource control device, wherein the resource control method can be used for determining whether a first account is a sub-account under a target main account after receiving a resource transfer request from a business system of a target subject, the resource transfer request is used for requesting to transfer preset resources of a target quota from the first account to a second account, the target main account is a resource storage account registered by the target subject on a resource control platform, the balance of the target main account is greater than a first preset quota, a plurality of sub-accounts are arranged under the target main account, and the sub-accounts are business accounts registered by the target subject and/or subordinate subjects of the target subject on the resource control platform; when the first account is a sub-account of the target main account, the preset resource of the target amount may be transferred from the first account to the second account after the preset resource of the target amount is transferred from the target main account to the first account.

Description

Resource control and fund control method, device and equipment

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method, an apparatus, and a device for resource management and control and fund management and control.

Background

With the development of electronic payment technology, more and more companies or enterprises register accounts and invest in resources such as funds to conduct business on third-party payment platforms. Some subjects also register multiple accounts with the third party payment platform for business needs. For example, some groups may have several subsidiaries in addition to the parent company, and these companies may register their accounts with the third-party payment platform to perform their respective services.

For some large groups, the number of accounts registered on a third-party payment platform may be hundreds of thousands, and such many accounts may generate a large amount of money inflow and outflow due to business processing every day, so that money management and control are very challenging, liquidity risk problems such as business interruption caused by insufficient money of a single account may exist, and a large amount of money may also exist, so that the large amount of money is drowsy and cannot be effectively utilized, and therefore, how to effectively manage and control the money is to avoid at least one of the problems being a difficult problem to be solved urgently.

Disclosure of Invention

The embodiment of the specification provides a resource control method, a resource control device, a fund control method, a resource control device and equipment, so that resources or funds of main bodies such as companies or enterprises are effectively controlled, the problem of liquidity risks such as service interruption caused by insufficient resources or funds of a single account is avoided, and the amount of the fallen funds is reduced.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

in a first aspect, a resource management and control method is provided, which is applied to a resource management and control platform, and the method includes:

receiving a resource transfer request from a business system of a target subject, wherein the resource transfer request is used for requesting to transfer a preset resource of a target quota from a first account to a second account;

determining whether the first account is a sub-account under a target main account, wherein the target main account is a resource storage account registered by the target main body in the resource management and control platform, the balance of the preset resource stored in the target main account is greater than a first preset limit, the target main account has a plurality of sub-accounts, and the plurality of sub-accounts are business accounts registered by the target main body and/or subordinate main bodies of the target main body in the resource management and control platform;

when the first account is a sub-account of the target main account, after the preset resource of the target amount is transferred from the target main account to the first account, the preset resource of the target amount is transferred from the first account to the second account.

In a second aspect, a fund management and control method is provided, which is applied to a third party payment platform, and the method includes:

receiving a payment request from a business system of a target group, wherein the payment request is used for requesting to transfer funds of a target amount from a first account to a second account;

determining whether the first account is a sub-account under a target main account, wherein the target main account is a stored-value account registered by the target group on the third-party payment platform, the balance in the target main account is greater than a first preset limit, the target main account is provided with a plurality of sub-accounts, and the plurality of sub-accounts are business accounts registered by the target group and/or subordinate companies of the target group on the third-party payment platform;

transferring funds of the target amount from the first account to the second account after transferring the funds of the target amount from the target primary account to the first account when the first account is a sub-account of the target primary account.

In a third aspect, a resource management and control apparatus is provided, which is applied to a resource management and control platform, and the apparatus includes:

the first request receiving module is used for receiving a resource transfer request from a business system of a target main body, wherein the resource transfer request is used for requesting to transfer a preset resource of a target quota from a first account to a second account;

the first determining module is used for determining whether the first account is a sub-account under a target main account, wherein the target main account is a resource storage account registered by the target main body in the resource management and control platform, the balance of the preset resource stored in the target main account is greater than a first preset limit, a plurality of sub-accounts are under the target main account, and the plurality of sub-accounts are business accounts registered by the target main body and/or a subordinate main body of the target main body in the resource management and control platform;

and the first resource transfer module is used for transferring the preset resource of the target amount from the first account to the second account after transferring the preset resource of the target amount from the target main account to the first account when the first account is a sub-account of the target main account.

In a fourth aspect, a fund management and control apparatus is provided, which is applied to a third party payment platform, and the apparatus includes:

the second request receiving module is used for receiving a payment request from a business system of a target group, wherein the payment request is used for requesting to transfer funds of a target amount from a first account to a second account;

the second determination module is used for determining whether the first account is a sub-account under a target main account, wherein the target main account is a stored value account registered by the target group on the third-party payment platform, the balance in the target main account is greater than a first preset limit, a plurality of sub-accounts are arranged under the target main account, and the plurality of sub-accounts are business accounts registered by the target group and/or subordinate companies of the target group on the third-party payment platform;

and the first fund transfer module is used for transferring the fund of the target amount from the first account to the second account after transferring the fund of the target amount from the target main account to the first account when the first account is the sub-account of the target main account.

In a fifth aspect, an electronic device is provided, including:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

In a sixth aspect, a computer-readable storage medium is presented, storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

In a seventh aspect, an electronic device is provided, including:

a processor; and

In an eighth aspect, a computer-readable storage medium is presented, the computer-readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

In at least one technical solution provided by the above embodiments of the present specification, because a plurality of business accounts registered by a target subject and/or a subordinate subject of the target subject in a resource management and control platform are used as sub-accounts, the resource management and control platform is further provided with a target main account, the target main account is a resource storage account, and the remaining amount is greater than a first preset amount, and then after receiving a resource transfer request of a preset resource of a target amount transferred from a first account to a second account of a business system of the target subject, it is determined whether the first account is the sub-account of the target main account, if so, the preset resource of the target amount is first drawn down from the target main account to the first account, and then the preset resource of the target amount is transferred from the first account to the second account, so that at least liquidity risks such as business interruption caused by insufficient resources of the first account can be avoided, therefore, effective control of the resources of the target subject is realized.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

fig. 1 is a flowchart illustrating a resource management and control method according to an embodiment of the present disclosure.

Fig. 2 is a flowchart illustrating a resource management and control method according to another embodiment of the present disclosure.

Fig. 3 is a flowchart illustrating a resource management method according to another embodiment of the present disclosure.

Fig. 4 is a flowchart illustrating a resource management and control method according to another embodiment of the present disclosure.

Fig. 5 is a flowchart illustrating a resource management and control method according to another embodiment of the present disclosure.

Fig. 6 is a flowchart illustrating a fund management method according to an embodiment of the present disclosure.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification.

Fig. 8 is a schematic structural diagram of a resource management and control apparatus according to an embodiment of the present disclosure.

Fig. 9 is a schematic structural diagram of a resource management and control apparatus according to another embodiment of the present disclosure.

Fig. 10 is a schematic structural diagram of a resource management and control apparatus according to another embodiment of the present disclosure.

Fig. 11 is a schematic structural diagram of a resource management and control apparatus according to another embodiment of the present disclosure.

Fig. 12 is a schematic structural diagram of a resource management and control apparatus according to another embodiment of the present disclosure.

Fig. 13 is a schematic structural diagram of a fund management and control device according to an embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given in the present application without making any creative effort, shall fall within the protection scope of this document.

In order to effectively manage and control resources or funds of a main body such as a company or an enterprise, so as to avoid liquidity risk problems such as service interruption caused by insufficient single account resources or funds, or reduce the amount of sleeping resources or funds, embodiments of the present specification provide a method and an apparatus for resource management and control and funds management, where the method and the apparatus may be executed by an electronic device or software installed in the electronic device, and specifically may be executed by a terminal device or a server device. The terminal devices include but are not limited to: any one of smart terminal devices such as smart phones, Personal Computers (PCs), notebook computers, tablet computers, electronic readers, web tvs, and wearable devices, the service end includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, and the like.

The following description will first describe a resource management and control method with reference to the accompanying drawings.

As shown in fig. 1, an embodiment of the present specification provides a resource management and control method, which may be applied to a resource management and control platform, and the method may include:

step 102, receiving a resource transfer request from a business system of a target subject, wherein the resource transfer request is used for requesting to transfer a preset resource of a target quota from a first account to a second account.

In the embodiment of the present specification, the preset resource may include one or more of valuable resources such as funds, points, marketing cards, credits, securities, vouchers and the like; the resource control platform refers to a third-party platform for controlling storage, transfer and the like of preset resources, such as a third-party payment platform for controlling user funds; the main body refers to an organization or organization such as a company, an enterprise and the like having a plurality of independent business systems or a plurality of independent subordinate main bodies (sub-main bodies) arranged below, for example, a group having a plurality of sub-companies arranged below a parent company; the target subject refers to any subject which controls the relevant resources of the subject through the resource control platform.

For convenience of description, the following description will be given by taking a preset resource as a fund, a resource management and control platform as a third party payment platform, a target principal as a target group, and a subordinate principal of the target principal as a subordinate company of the target group, as an example, to describe the resource management and control scheme provided in the embodiment of the present specification. In more detail, the target group may be a cyber finance group, and its subordinate companies may be online payment companies, credit companies, short-term consumption lending companies, marketing card companies, and the like under its flag. It can be seen that the resource management and control scheme provided in the embodiments of the present specification can be applied to many scenarios.

The resource transfer request is triggered when the business system of the target subject develops the business. The first account is a service account registered by a main body (the main body may be a target main body itself or a subordinate main body of the target main body) corresponding to the service system on the resource management and control platform, and is used for supporting the service system to develop a service. The second account is also an account registered in the resource management and control platform, but the second account may be an account registered in the resource management and control platform by a subject or an individual other than the target subject, or may be an account registered in the resource management and control platform by the target subject or a subject subordinate to the target subject. The target quota is a quota generated by the development of the service. For example, assuming that the target subject is a cyber finance group, the resource management platform is a third-party payment platform, and the resource transfer request is from a short-term consumption loan company subordinate to the cyber finance group, the request may be triggered when the short-term consumption loan company issues a short-term consumption loan to the user, and the request may be used to transfer funds of the target amount from a first account registered by the short-term consumption loan company on the third-party payment platform to a second account registered by the user on the third-party payment platform.

Step 104, determining whether the first account is a sub-account under a target main account, wherein the target main account is a resource storage account registered by a target main body on a resource management and control platform, the balance of preset resources stored in the target main account is greater than a first preset limit, a plurality of sub-accounts are under the target main account, and the plurality of sub-accounts are business accounts registered by the target main body and/or subordinate main bodies of the target main body on the resource management and control platform.

If the result of the determination of step 104 is yes, step 106 is executed, otherwise refer to the description of the embodiment shown in fig. 2 below.

The target principal may register a resource storage account (such as a cash stored-value account) in the resource management and control platform in advance, sign a contract with the resource management and control platform to use the resource stored-value account as a target primary account, then add a plurality of sub-accounts to the target primary account, and the resource management and control platform may record a signing relationship (or a signing protocol) between the target primary account and the plurality of sub-accounts, and then may recharge the target primary account from its own bank account so that the balance of the target primary account is greater than a first preset amount. It can be understood that the sub-account added to the target main account may be a service account registered by the target subject on the resource management and control platform, or a service account registered by a subordinate subject of the target subject on the resource management and control platform.

Correspondingly, in step 104, it may be specifically determined whether the first account is a sub-account under the target account based on the contract-signing relationship (or contract-signing protocol) between the target main account and the sub-account recorded by the resource management and control platform.

It should be noted that the hierarchical relationship between the primary account and the sub-account may be one level, or may be two levels or more than two levels. That is, the hierarchical relationship between the target primary account and its sub-accounts may be multi-level (multi-level account structure) and limited to one and two levels.

And 106, after the preset resource of the target amount is transferred from the target main account to the first account, transferring the preset resource of the target amount from the first account to the second account.

That is, when the first account is a sub-account of the target main account, if a request for transferring the preset resource of the target amount from the first account occurs, the preset resource of the target amount may be first transferred from the target main account to which the first account belongs to the first account, and then the preset resource of the target amount may be transferred from the first account. In this way, even if the first account has no balance, smooth operation of the service supported by the account can be achieved, and liquidity risks such as service interruption and the like caused by insufficient balance can be avoided.

Here, the balance of the target primary account may be equal to or greater than the target amount, and the balance of the target primary account may be less than the target amount, which will be described below.

In the first case, if the balance of the target primary account is greater than or equal to the target amount, the preset resource of the target amount can be directly transferred from the target primary account to the first account.

In the second case, if the balance of the target primary account is less than the target amount, the target subject may transfer the preset resource of the target amount to the first account, but needs to be reminded to replenish the overdrawn amount within a preset time (e.g., the day of transfer) (since the balance of the target primary account is not enough to pay the target amount, there will be some overdrawn, and the specific overdrawn amount is equal to the difference between the target amount and the balance of the target primary account). As a more specific implementation manner, before transferring the preset resource of the target amount from the target primary account to the first account and reminding the target subject to replenish the overdrawn amount within the preset time, it may be determined whether a difference between the target amount and the balance of the target primary account (the amount to be overdrawn) exceeds a second preset amount, where the second preset amount is the maximum amount allowed to be overdrawn by the target primary account; if the sum of the amount of the target amount of the money is not exceeded, transferring preset resources of the target amount of the money from the target main account to the first account, and reminding the target main body of supplementing the overdrawn amount of the money within preset time.

It can be understood that, in the second case, by setting the mechanism of allowing overdraft, smooth development of services supported by the sub-account under the condition of insufficient balance of the target main account can be ensured, and by limiting the amount of overdraft that is complemented back by the target main body within the preset time after overdraft, healthy operation of the resource management and control platform can be ensured.

Optionally, in the second case, there is another implementation manner, that is, if the balance of the target primary account is less than the target amount, after automatically transferring the preset resource of the specified amount (the specified amount is greater than or equal to the difference between the target amount and the balance of the target primary account) from the bank account bound to the target primary account, the preset resource of the target amount is transferred from the target primary account to the first account. It can be understood that, by applying the embodiment, on one hand, smooth development of services supported by the sub-accounts under the condition that the balance of the target main account is insufficient can be ensured, and on the other hand, adverse effects on ensuring operation of the resource management and control platform can not be generated.

In the resource management and control method provided in the embodiment of the present specification, a plurality of service accounts registered by a target subject and/or a subordinate subject of the target subject in a resource management and control platform are used as sub-accounts, the resource management and control platform is further provided with a target main account, the target main account is a resource storage account, the remaining amount is greater than a first preset amount, then after receiving a resource transfer request of a preset resource for transferring a target amount from a first account to a second account of a service system of the target subject, it is determined whether a first account is a sub-account of the target main account, if so, the preset resource of the target amount is first drawn down from the target main account to the first account, and then the preset resource of the target amount is transferred from the first account to the second account, so that at least liquidity risks such as service interruption caused by insufficient resources of the first account can be avoided, therefore, effective control of the resources of the target subject is realized.

Fig. 2 is a flowchart illustrating a resource management and control method provided in another embodiment of the present specification, where the method may also be applied to the resource management and control platform, and the method may include:

and step 108, responding to the request of the target main body for registering the target main account, and registering the target main account on the resource management and control platform.

Step 110, responding to the sub-account adding request, and adding a plurality of sub-accounts for the target main account.

And step 112, in response to the request of the target main body for recharging from the preset bank account to the target main account, recharging to the target main account so as to enable the balance of the target main account to be larger than the first preset limit.

The preset bank account may be a bank account of the target subject. The specific amount of stored value can be determined by the target subject according to actual business needs.

The step 108, the step 110, and the step 112 may be regarded as a previous signing stage of the target principal and the resource management and control platform, and the specific content of the stage is: the method comprises the steps that a target main body registers a resource storage account (such as a cash stored-value account) on a resource control platform, signs a contract with the resource control platform to use the resource stored-value account as a target main account, then a plurality of sub-accounts are added to the target main account, the resource control platform can record the signing relations (or signing protocols) between the target main account and the sub-accounts, and then the target main account can be recharged from a bank account of the target main body, so that the balance of the target main account is larger than a first preset limit. It can be understood that the sub-account added to the target main account may be a service account registered by the target subject on the resource management and control platform, or a service account registered by a subordinate subject of the target subject on the resource management and control platform.

And 104, determining whether the first account is a sub-account under the target main account, if so, executing a step 106, otherwise, executing a step 114.

Specifically, whether the first account is a sub-account under the target account may be determined based on a subscription relationship (or a subscription protocol) between the target main account and the sub-account recorded by the resource management and control platform.

Step 114, transferring the preset resource of the target quota from the first account to the second account.

That is, when the first account is a sub-account of the target main account, if a request for transferring the preset resource of the target amount from the first account occurs, the preset resource of the target amount may be first transferred from the target main account to which the first account belongs to the first account, and then the preset resource of the target amount may be transferred from the first account; when the first account is not the sub-account of the target main account, if a request for transferring the preset resource of the target amount from the first account occurs, the preset resource of the target amount is directly transferred from the first account to the second account.

It can be understood that, if the first account is a sub-account of the target main account, the resource management and control method of first downloading the preset resource of the target amount from the target main account to which the first account belongs to the first account, and then transferring the preset resource of the target amount from the first account can complete smooth operation of the service supported by the account even if the first account has no balance, and thus liquidity risks such as service interruption due to insufficient balance can be avoided, and effective management and control of the resource of the target main body can be realized.

Fig. 3 is a flowchart illustrating a resource management and control method provided in another embodiment of this specification, which may also be applied to the resource management and control platform, and the method differs from the embodiment shown in fig. 1 or fig. 2 in that after step 106 or step 114, the method may further include:

step 116, transferring the income of at least one of the plurality of sub-accounts to the target main account.

The income of the at least one sub-account may be income generated when the subject corresponding to the sub-account performs business. Therefore, the preset resources in the target main account have two sources, one is the bank card recharge of the target main body, and the other is the income of the sub-account.

It can be understood that, after a target main account is set for a plurality of sub-accounts (a plurality of business accounts) of the target subject in advance, the target main account is classified into the target main account when the sub-accounts have income (step 116), and the target main account is classified downwards when the sub-accounts have expenditure (step 106), so that zero settlement of the balance of the sub-accounts can be realized under the condition of ensuring zero flowing risk (such as no business interruption risk), and the effectiveness of the resources of the target subject is greatly improved.

Fig. 4 is a flowchart illustrating a resource management and control method provided in another embodiment of this specification, which may also be applied to the resource management and control platform, and the method is different from the embodiment shown in fig. 1, fig. 2, or fig. 3 in that after step 106 or step 114, the method may further include:

step 118, monitoring whether the balance of the target main account is lower than a first preset limit or not; if so, go to step 120, otherwise, return to continue to step 118.

In a specific embodiment, whether the balance of the target primary account is lower than a first preset limit may be monitored according to a preset period or according to other rules.

And step 120, reminding the target main body to recharge the target main account, or automatically transferring the preset resources to the target main account from the bank account bound with the target main account so as to recharge the target account.

The bank account bound with the target main account may be the bank account of the target main body.

It can be understood that the balance of the target main account is monitored, and when the rest amount is lower than the first preset amount, the target main body is reminded to recharge the target main account, or the bank account bound with the target main account is automatically recharged to the target main account, so that the smooth development of the service supported by the sub-account under the target main account can be ensured, and the resource mobility risks such as service interruption and the like are avoided.

Fig. 5 is a flowchart illustrating a resource management method according to another embodiment of the present disclosure, where the method may also be applied to the resource management platform, and the method is different from the embodiment shown in any one of fig. 1 to 4 in that after step 106 or step 114, the method may further include:

and step 122, predicting the change of the balance of the target main account in a future preset time period based on a preset rule.

As an example, a prediction model may be trained based on a preset algorithm (e.g., a time sequence or neural graph, etc.) and historical change data of preset resources in the target account and associated historical business data, etc., and then a change of the balance of the target primary account within a future preset time period may be predicted based on the preset model.

And step 124, under the condition that the prediction result is that the balance of the target main account is lower than the first preset limit in the preset time period, reminding the target main body to recharge the target main account in advance, or automatically transferring preset resources to the target main account from a bank account bound with the target main account so as to recharge the target account.

It can be understood that the balance of the target main account is predicted in advance, and when the balance is predicted to be possibly lower than a first preset limit in a future preset time period, the target main body is reminded to recharge the target main account in advance, or the bank account bound with the target main account is automatically recharged to the target main account in advance, so that smooth development of services supported by sub-accounts under the target main account can be better ensured, and resource liquidity risks such as service interruption and the like can be better avoided.

Optionally, on the basis of any one of the foregoing embodiments, the resource management and control method provided in this embodiment of the present specification, after step 106 or step 114, may further include: saving a resource transfer record, wherein the resource transfer record comprises: transferring a record of preset resources to a first account by a target main account; determining internal resource lending data of the target subject based on the resource transfer record; and assisting the target main body to carry out internal settlement based on the internal resource lending data and the internal resource lending protocol of the target main body.

For a target subject, an internal resource transfer (e.g., an internal loan) refers to a resource transfer that occurs between different subjects within the target subject, such as a resource transfer that occurs between a parent company and a subsidiary company of a group, or a resource transfer that occurs between different subsidiary companies of a group is an internal resource transfer, and if a resource transfer occurs between different accounts of the same subject, it is an internal transfer.

Taking internal borrowing as an example, the internal resource lending agreement may be an agreement on contents such as interest, payment date, payment method and the like, which are signed between the subjects inside the target subject.

Taking internal borrowing as an example, the resource management and control platform can screen out internal borrowing data of a target main body (specifically, data such as how much funds are borrowed from which main body at what time) based on all resource transfer records of the target main account and the sub-accounts of the target main body, and then assist the target main body to perform operations such as updating of internal borrowing balance, interest counting and withdrawal, regular repayment of principal and the like based on the internal borrowing data and an internal borrowing protocol.

It is easy to understand that through the embodiment, not only is full-process automatic control of the preset resources of the target subject realized, but also great help is provided for quality improvement and efficiency improvement of the preset resources of the target subject; and the problem of liquidity risks such as service interruption caused by insufficient service account resources can be avoided, so that the resources of the target subject are effectively controlled.

Furthermore, since the resource transfer-out and transfer-in of the sub-accounts under the target subject are managed and controlled in a centralized manner, rather than being managed and controlled individually, the amount of spare resources stored in the resource management and control platform by the target subject can be reduced, that is, the amount of sleeping resources is reduced, and therefore effective management and control of preset resources of the target subject can be further improved. For example, suppose a group opens 1000 service accounts on a third-party payment platform, if main accounts for the service accounts are not set, funds in the 1000 service accounts are separately controlled, in order to meet service requirements, 20 ten thousand of money may need to be respectively charged to the 1000 service accounts, and 2 hundred million of money needs to be charged (which is equivalent to 2 hundred million of reserve payment money stored on the third-party payment platform); however, if the main account is set for the 1000 business accounts, it may be sufficient to recharge 1 billion of reserve funds to the main account for the business developed by the 1000 business accounts, so that the total reserve funds amount stored in the third party payment platform by the group can be reduced, that is, the amount of the deep sleep funds can be reduced, thereby further improving the effective control of the fund of the group.

Based on the above technical concept, as shown in fig. 6, another embodiment of the present specification further provides a fund management and control method that may be applied to a third party payment platform, where the method may include:

step 602, receiving a payment request from a business system of a target group, wherein the payment request is used for requesting to transfer funds of a target amount from a first account to a second account.

Step 604, determining whether the first account is a sub-account under a target main account, wherein the target main account is a stored value account registered by a target group on a third party payment platform, the balance in the target main account is greater than a first preset limit, a plurality of sub-accounts are under the target main account, and the plurality of sub-accounts are business accounts registered by the target group and/or subordinates of the target group on the third party payment platform.

If the determination of step 604 is yes, step 606 is performed, otherwise, the funds in the target amount are transferred from the first account to the second account.

Step 606, transferring the funds of the target amount from the first account to the second account after transferring the funds of the target amount from the target primary account to the first account.

That is, when the first account is a sub-account of the target primary account, if a request for transferring the funds of the target amount from the first account occurs, the funds of the target amount may be transferred from the target primary account to which the first account belongs to the first account; when the first account is not a sub-account of the target primary account, transferring funds of the target amount from the first account directly to the second account if a request to transfer funds of the target amount from the first account occurs.

It can be understood that, if the first account is a sub-account of the target main account, the control method of first downloading the funds of the target amount from the target main account to which the first account belongs to the first account and then transferring the funds of the target amount from the first account can complete smooth operation of the service supported by the account even if the first account has no balance, and thus mobility risks such as service interruption due to insufficient balance can be avoided, and effective control of the resources of the target main body can be realized.

In addition, if the income of the sub-account is also included in the target main account, the fund zero precipitation under the condition of no service continuity blocking can be realized through the management and control mode of 'unified payment of the target main account + unified fund scheduling', and the pain point of a service payment scene of a large number of accounts is solved. The fund control mode can be regarded as a linkage payment technology based on a third-party payment platform, so that fund deposition of a service account can be prevented, smooth development of services can be ensured, the total amount of reserve payment of a target group on the third-party payment platform can be reduced (the amount of heavy funds is reduced), and in short, the fund of target resources can be more effectively controlled, so that various problems caused by unfavorable fund control are avoided.

It should be noted that the fund control method is proposed based on the same technical concept as the resource control method, so that the description is simple, and the detailed content and some optional embodiments may refer to the description of the resource control method above, and are not repeated herein.

The above is a description of embodiments of the method provided in this specification, and the electronic device provided in this specification is described below.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification. Referring to fig. 7, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 5, but this does not indicate only one bus or one type of bus.

And a memory for storing the program. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory to the memory and then runs the computer program, and the resource management and control device is formed on a logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

Or the processor reads the corresponding computer program from the nonvolatile memory to the memory and then runs the computer program, and the fund management and control device is formed on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

The resource management method disclosed in any one of the embodiments shown in fig. 1 to fig. 6 in this specification may be applied to a processor, or may be implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in one or more embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with one or more embodiments of the present disclosure may be embodied directly in hardware, in a software module executed by a hardware decoding processor, or in a combination of the hardware and software modules executed by a hardware decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may further execute the resource management/fund management method provided in any embodiment shown in fig. 1 to fig. 6, which is not described herein again.

Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

Embodiments of the present specification also provide a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the method shown in any of the embodiments of fig. 1-5, and are specifically configured to:

This specification embodiment also proposes a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiment shown in fig. 6, and in particular to perform the following operations:

The following is a description of the apparatus provided in this specification.

As shown in fig. 8, an embodiment of the present disclosure provides a resource management apparatus 800, which is applicable to a resource management platform, and in one software implementation, the apparatus 800 may include: a first request receiving module 801, a first determining module 802 and a first resource transferring module 803.

The first request receiving module 801 receives a resource transfer request from a business system of a target subject, where the resource transfer request is used to request a preset resource of a target quota to be transferred from a first account to a second account.

The first determining module 802 determines whether the first account is a sub-account under a target main account, where the target main account is a resource storage account registered by the target subject in the resource management and control platform, a balance of the preset resource stored in the target main account is greater than a first preset limit, the target main account has multiple sub-accounts, and the multiple sub-accounts are business accounts registered by the target subject and/or a subordinate subject of the target subject in the resource management and control platform.

The first resource transfer module 803, when the first account is a sub-account of the target primary account, transfers the preset resource of the target amount from the first account to the second account after transferring the preset resource of the target amount from the target primary account to the first account.

It should be noted that the resource management and control apparatus 800 can implement the method shown in fig. 1 and obtain the same technical effect, and details can refer to the method shown in fig. 1 and are not repeated.

As shown in fig. 9, an embodiment of the present disclosure provides a resource management apparatus 800, which is applicable to a resource management platform, and in one software implementation, the apparatus 800 may include: a first response module 804, a second response module 805, a third response module 806, a first request receiving module 801, a first determining module 802, a first resource transferring module 803 and a second resource transferring module 807.

A first response module 804, configured to register the target primary account in the resource management and control platform in response to the request for registering the target primary account by the target principal.

The second response module 805, in response to the sub-account addition request, adds a plurality of sub-accounts for the target primary account.

The third response module 806, in response to a request for charging the target principal account from the preset bank account, charges the target principal account so that the balance of the target principal account is greater than the first preset amount.

The first determining module 802 determines whether the first account is a sub-account under the target primary account, and if so, triggers the following first resource transferring module 803, otherwise, triggers the following second resource transferring module 807.

The first resource transfer module 803 transfers the preset resource of the target amount from the first account to the second account after transferring the preset resource of the target amount from the target primary account to the first account.

The second resource transfer module 807 transfers the preset resource of the target amount from the first account to the second account.

It should be noted that the resource management and control apparatus 800 shown in fig. 9 can implement the method shown in fig. 2 and achieve the same technical effects, and details refer to the method shown in fig. 2 and are not repeated.

As shown in fig. 10, an embodiment of the present specification provides a resource management apparatus 800, which is applicable to a resource management platform, and in one software implementation, the apparatus 800 may further include, in addition to a first response module 804, a second response module 805, a third response module 806, a first request receiving module 801, a first determining module 802, a first resource transferring module 803, and a second resource transferring module 807: the second resource transfer module 808 transfers the revenue of at least one of the plurality of sub-accounts to the target primary account.

It should be noted that the resource management and control apparatus 800 shown in fig. 10 can implement the method shown in fig. 3 and achieve the same technical effects, and details refer to the method shown in fig. 3 and are not repeated.

As shown in fig. 11, an embodiment of the present specification provides a resource management apparatus 800, which is applicable to a resource management platform, and in a software implementation, the apparatus 800 may further include, in addition to a first response module 804, a second response module 805, a third response module 806, a first request receiving module 801, a first determining module 802, a first resource transferring module 803, and a second resource transferring module 807: a balance monitoring module 809, and a first stored value module 810.

The balance monitoring module 809 is used for monitoring whether the balance of the target main account is lower than a first preset limit or not; if so, the first stored value module 810 described below is triggered, otherwise, the balance monitoring module 809 is triggered.

The first stored value module 810 reminds the target subject to recharge the target primary account, or automatically transfers the preset resources to the target primary account from the bank account bound with the target primary account, so as to recharge the target account.

It should be noted that the resource management and control apparatus 800 shown in fig. 11 can implement the method shown in fig. 4 and achieve the same technical effects, and details refer to the method shown in fig. 4 and are not repeated.

As shown in fig. 12, an embodiment of the present specification provides a resource management apparatus 800, which is applicable to a resource management platform, and in a software implementation, the apparatus 800 may further include, in addition to a first response module 804, a second response module 805, a third response module 806, a first request receiving module 801, a first determining module 802, a first resource transferring module 803, and a second resource transferring module 807: a balance prediction module 811, and a second stored value module 812.

The balance predicting module 811 predicts a change of the balance of the target primary account in a future preset time period based on a preset rule.

And the second value storage module 812 reminds the target subject to recharge the target main account in advance when the prediction result is that the balance of the target main account is lower than the first preset limit within a preset time period, or automatically transfers preset resources to the target main account from a bank account bound with the target main account so as to recharge the target account.

It should be noted that the resource management and control apparatus 800 shown in fig. 12 can implement the method shown in fig. 5 and achieve the same technical effects, and details refer to the method shown in fig. 5 and are not repeated.

Optionally, on the basis of any one of the foregoing embodiments, the resource management and control apparatus 800 provided in this embodiment may further include: the system comprises a billing module, an internal transfer data determination module and an internal auxiliary settlement module.

The accounting module is used for storing resource transfer records, wherein the resource transfer records comprise: the target primary account transfers a record of the preset resource to the first account.

And the internal transfer data determining module is used for determining internal resource transfer data of the target main body based on the resource transfer record.

And the internal auxiliary settlement module is used for assisting the target main body to carry out internal settlement based on the internal resource borrowing data and the internal resource borrowing protocol of the target main body.

As shown in fig. 13, an embodiment of the present disclosure provides a fund management control apparatus 1300, which is applicable to a third party payment platform, and in one software implementation, the apparatus 1300 may include: a second request receiving module 1301, a second determining module 1302, and a first funds-transfer module 1303.

The second request receiving module 1301 receives a payment request from a business system of a target group, wherein the payment request is used for requesting to transfer funds of a target amount from a first account to a second account.

A second determining module 1302, configured to determine whether the first account is a sub-account under a target main account, where the target main account is a stored-value account registered by the target group on the third-party payment platform, a balance in the target main account is greater than a first preset limit, the target main account has multiple sub-accounts, and the multiple sub-accounts are business accounts registered by the target group and/or subordinate companies of the target group on the third-party payment platform.

And a first fund transfer module 1303, configured to, when the first account is a sub-account of the target primary account, transfer the funds of the target amount from the first account to the second account after transferring the funds of the target amount from the target primary account to the first account.

It should be noted that the fund management and control apparatus 1300 can implement the method shown in fig. 6 and obtain the same technical effect, and the detailed content may refer to the method shown in fig. 6 and will not be described again.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present disclosure should be included in the scope of protection of one or more embodiments of the present disclosure.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Claims

1. A resource management and control method is applied to a resource management and control platform and comprises the following steps:

2. The method of claim 1, prior to the determining whether the first account is a sub-account under a target primary account, the method further comprising:

registering the target primary account at the resource management and control platform in response to the request of the target main body for registering the target primary account;

and responding to a sub-account adding request, and adding the plurality of sub-accounts for the target main account.

3. The method of claim 1, prior to the transferring the preset resource of the target credit from the target primary account to the first account, the method further comprising:

and in response to a request of the target main body for recharging from a preset bank account to the target main account, recharging to the target main account so as to enable the balance of the target main account to be larger than the first preset limit.

4. The method of claim 1, further comprising:

transferring revenue of at least one of the plurality of sub-accounts to the target primary account.

5. The method of any of claims 1-4, further comprising:

monitoring whether the balance of the target main account is lower than the first preset limit or not;

if so, reminding the target main body to recharge the target main account, or automatically transferring the preset resources to the target main account from a bank account bound with the target main account so as to recharge the target account.

6. The method of any of claims 1-4, further comprising:

predicting the change of the balance of the target main account in a future preset time period based on a preset rule;

and when the prediction result is that the balance of the target main account is lower than the first preset limit in the preset time period, reminding the target main body to recharge the target main account in advance, or automatically transferring the preset resources to the target main account from a bank account bound with the target main account so as to recharge the target account.

7. The method of claim 1, wherein the transferring the preset resource of the target amount from the target primary account to the first account comprises:

and if the balance of the target main account is larger than or equal to the target amount, transferring the preset resource of the target amount from the target main account to the first account.

8. The method of claim 1, wherein the transferring the preset resource of the target amount from the target primary account to the first account comprises:

and if the balance of the target main account is less than the target amount, transferring the preset resource of the target amount from the target main account to the first account, and reminding the target main body to replenish the overdrawn amount within preset time.

9. The method of claim 8, further comprising, before the transferring the predetermined resource of the target amount from the target primary account to the first account and alerting the target subject to replenish the overdrawn amount within a predetermined time:

judging whether the difference value of the balance of the target amount and the balance of the target main account exceeds a second preset amount, wherein the second preset amount is the maximum amount which allows the target main account to overdraft;

if the amount of the target quota is not exceeded, transferring the preset resource of the target quota from the target main account to the first account, and reminding the target main body to replenish the overdrawn quota within preset time.

10. The method of claim 1, wherein the transferring the preset resource of the target amount from the target primary account to the first account comprises:

if the balance of the target main account is smaller than the target amount, automatically transferring the preset resource of the target amount to the target main account from the bank account bound with the target main account, and then transferring the preset resource of the target amount to the first account from the target main account, wherein the specified amount is larger than or equal to the difference value between the target amount and the balance of the target main account.

11. The method of claim 1, further comprising:

and under the condition that the first account is not a sub-account of the target main account, transferring the preset resource of the target amount from the first account to the second account.

12. The method of claim 1, further comprising:

saving a resource transfer record, wherein the resource transfer record comprises: the target primary account transfers the record of the preset resource to the first account;

determining internal resource lending data of the target subject based on the resource transfer record;

and assisting the target main body to carry out internal settlement based on the internal resource lending data and the internal resource lending protocol of the target main body.

13. The method of any one of claims 1-4, 7-12,

the hierarchical relationship between the target main account and the sub-accounts of the target main account comprises one stage, two stages or multiple stages.

14. A fund management and control method is applied to a third party payment platform and comprises the following steps:

15. A resource management and control device is applied to a resource management and control platform, and comprises:

16. A fund management and control device is applied to a third party payment platform and comprises:

17. An electronic device, comprising:

a processor; and

18. A computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

19. An electronic device, comprising:

a processor; and

20. A computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to: