CN112132688A - Capital processing method, device and equipment - Google Patents
Capital processing method, device and equipment Download PDFInfo
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- CN112132688A CN112132688A CN201910556921.9A CN201910556921A CN112132688A CN 112132688 A CN112132688 A CN 112132688A CN 201910556921 A CN201910556921 A CN 201910556921A CN 112132688 A CN112132688 A CN 112132688A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a fund processing method, a device and equipment, comprising the following steps: estimating the total redemption amount of all fund products, drawing funds into the funding account based on the estimated total redemption amount of all fund products so that the amount of the funds in the funding account is greater than or equal to the total redemption amount, drawing funds from the funding account for redemption to the user on a target day prior to the redemption due date on which the fund company draws the redeemed funds into the fund sales organization. Therefore, by setting the bedding account, funds are drawn in the bedding account in advance, and the funds are drawn from the bedding account in advance to be redeemed to the user, so that the redemption period of the user is greatly shortened, the waiting time of the user is reduced, and the experience of the user is improved. And, by estimating the total redemption amount of all fund products, not only can the fund to be paid be prepared in advance, but also enough fund supply in the fund payment account can be ensured.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a fund processing method, device and equipment.
Background
The fund transaction is a circulation transfer activity that takes the fund as a trading object and carries out the risk and income by oneself. The fund can be classified into a stock fund, a bond fund, a money market fund, a future fund, and the like according to the difference of investment targets. Fund transactions include purchases, including subscription, etc., and offers, including redemption, clearing, etc.
Herein, the fund redemption is also called fund purchase, and means that the investor redeems part or all of the fund investment on its own name directly or through a sales organization. However, in the prior art, when the fund is redeemed, the user initiates a redemption application to the fund sales organization, and the fund sales organization redeems the redemption fund after receiving the redemption fund of the fund company, in the process, the fund redemption time is long, which seriously affects the fund redemption experience of the user.
Disclosure of Invention
In view of this, the embodiment of the present invention provides a fund processing method, device and apparatus, which solve the problems in the prior art that the fund redemption period is long and the fund redemption experience of the user is poor.
The embodiment of the invention provides a fund processing method, which comprises the following steps:
estimating the total redemption amount of all fund products;
debiting the funding account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
drawing funds from the bedding account on a target day and paying the funds to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
Optionally, the estimating a total redemption amount of all fund products comprises:
acquiring the total redemption share of all fund products on the redemption application date and the estimated net value of the fund on the redemption application date;
estimating a total redemption amount of all fund products based on the estimated net value of funds and the total redemption portion.
Optionally, the fund transfer into the funding account in accordance with the estimated total redemption amount of all fund products comprises:
determining a theoretical amount of redeemed funds that are credited on the target day;
if the theoretical amount of redeemed funds credited on the target day is greater than or equal to the total redemption amount, transferring all of the redeemed funds credited on the target day to the funding account.
Optionally, if the theoretical amount of redeemed funds due on the target day is not consistent with the actual amount due on the target day, and the actual amount due on the target day is less than the total redemption amount, the fund is transferred to the funding account according to the estimated total redemption amount of all fund products, further comprising:
funds are credited from the pay-as-you-go account to the funding account such that an amount of funds in the funding account is greater than or equal to the total redemption amount.
Optionally, the fund transfer into the funding account based on the estimated total redemption amount of all fund products, further comprising:
and if the theoretical amount of the redeemed funds on the account-bound on the target day is less than the total redemption amount, transferring the redeemed funds on the account-bound on the target day into the bedding account, and drawing funds from the fund-making account into the bedding account so that the amount of the funds in the bedding account is greater than or equal to the total redemption amount.
Optionally, the fund transfer into the funding account in accordance with the estimated total redemption amount of all fund products comprises:
funds are allocated from the funds-in-payment account to the funding account based on the estimated total redemption amount for all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount.
Optionally, the method further includes:
transferring the redeemed funds that are credited on the target day to the pay-by account.
Optionally, the drawing funds from the bedding account on the target day to pay for the user, including:
acquiring the net value of the fund confirmed by the fund company on the redemption application date and the fund share redeemed by each user;
calculating the amount of redeemable funds for each user based on the net value of funds on the redemption application date confirmed by the fund company and the share of funds redeemed by each user;
funds are debited from the funding account to each user based on the amount of redeemable funds of each user.
Optionally, the method further includes:
after redeemable funds are redeemed for each user, if remaining funds are contained in the funding account, transferring the remaining funds to the pay-for account.
Optionally, the drawing funds from the bedding account for redemption to each user includes:
drawing funds from the funding account to a payment account;
redeemable funds are redeemed by the payment account to each user.
The embodiment of the invention also discloses a fund processing device, which comprises:
a total redemption amount estimation unit for estimating total redemption amounts of all fund products;
a fund transfer unit for transferring funds into the funded account in dependence on the estimated total redemption amount of all fund products such that the amount of funds in the funded account is greater than or equal to the total redemption amount;
the fund cashing unit is used for drawing fund from the investment account on a target day and cashing the fund to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
The embodiment of the invention also discloses capital processing equipment, which comprises: a processor and a memory;
wherein the processor is configured to execute a program stored in the memory;
the memory is to store a program to at least:
estimating the total redemption amount of all fund products;
debiting the funding account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
drawing funds from the bedding account on a target day and paying the funds to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
The embodiment of the invention discloses a fund processing method, a device and equipment, which comprises the following steps: estimating the total redemption amount of all fund products, drawing funds into the funding account based on the estimated total redemption amount of all fund products so that the amount of the funds in the funding account is greater than or equal to the total redemption amount, drawing funds from the funding account for redemption to the user on a target day prior to the redemption due date on which the fund company draws the redeemed funds into the fund sales organization. Therefore, by setting the fund raising account, allocating funds in the fund raising account in advance and cashing the redeemable funds for the user through the funds in the fund raising account, the fund sales organization can cash the funds to the user in advance at the appointed time without cashing the funds for the user after the redeemable funds of the fund company are paid, so that the redemption period of the user is greatly shortened, the waiting time of the user is reduced, and the experience of the user is improved. And, by estimating the total redemption amount of all fund products, not only can the fund to be paid be prepared in advance, but also enough fund supply in the fund payment account can be ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 shows a schematic flow diagram of the redemption of funds in the prior art;
FIG. 2 shows a schematic time flow diagram for the redemption of funds by a user;
FIG. 3 is a flow chart illustrating a method of fund processing according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating a method for transferring funds to a bedding account according to an embodiment of the present invention;
FIG. 5 is a flow chart illustrating a method of fund processing according to an embodiment of the present invention;
FIG. 6 illustrates a process for the circulation of funds between accounts;
FIG. 7 is a schematic diagram illustrating a fund processing apparatus according to an embodiment of the present invention;
fig. 8 shows a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The applicant has found through research that the flow of fund redemption is very complex, and the account-finding period of fund redemption is long due to the inconsistency between the transaction period and the fund settlement period of the fund.
Wherein the subject of the fund transaction comprises: the flow of redemption of funds by the user, sales organization, fund company is shown in FIG. 1:
1. the user initiates a redemption application to the fund sales organization on the redemption application date (T + 0);
2. the fund sales organization records the redemption application and sends the redemption share application data to the fund company;
3. the fund company calculates the redeemable amount according to the redemption share and the net fund value;
4. the fund company transmits the redemption confirmation data to the fund sales organization on the redemption confirmation day; wherein the confirmation data comprises the net fund value determined by the fund company to redeem the application date;
5. the fund company carries out fund clearing, transfers the redeemed fund to the fund sales organization and sends a fund transfer feedback file to the fund sales organization;
6. the fund sales organization transfers funds to the user that the user can redeem and notifies the user.
As can be seen from the above description, in the prior art, the time flow of the user to redeem the fund is shown in FIG. 2, i.e. the user redeems the share on the redemption application date, the fund sales organization receives the confirmation document fed back by the fund company on the redemption confirmation date, and receives the redeemed fund transferred by the fund company on the redemption check date, and the fund sales organization can pay the redeemed fund to the user on the date.
For example, the following steps are carried out: the user initiates a redemption application to the fund company on the day T +0, the fund sales organization sends the redemption application to the fund company, the fund company receives the confirmation data sent by the fund company on the day T +1 (redemption confirmation day) and transfers the redemption fund of the user to the fund sales organization on the day T +9 (redemption check day), and the fund sales organization redeems the redemption fund to the user after receiving the redemption fund.
It is understood that the time required for the entire redemption to be paid back is long in the prior art, and that the fund company cannot immediately transfer the redeemed funds to the fund sales organization after transmitting the confirmation data to the fund sales organization, but needs to wait for a long time before transferring the redeemed funds to the fund sales organization. It follows that most of the time the user waits is consumed between the redemption confirmation day and the redemption ledger day.
Moreover, the applicant has found that the fund company feeds back a validation document to the fund sales organization on the redemption validation date, at which time the user can query the sales organization for the validated redeemable amount, i.e., at which time the fund sales organization is already able to know unambiguously the amount of each user's redeemable funds.
Thus, the applicant redeems the redeemable funds at the target day by the funds in the funding account after determining the amount of the redeemable funds of the user by creating the funding account and previously crediting the funding account. And, in order to enable the fund sales organization to prepare funds in advance and secure sufficient fund supply, the total redemption amounts of all fund products are estimated in advance, and funds are drawn into the funding account based on the estimated total redemption amounts of all fund products.
Therefore, even if the fund sales organization cannot receive the redeemed fund of the fund company in time, the fund can be redeemed to the customer in advance by setting the funding account, so that the redeeming period of the user is greatly shortened, the waiting time of the user is reduced, and the experience of the user is improved. In addition, by estimating the redemption amount in advance, the fund supply is secured.
Referring to fig. 3, a flow chart of a fund processing method according to an embodiment of the present invention is shown, in this embodiment, the method includes:
s101: estimating the total redemption amount of all fund products;
in this embodiment, before executing S101, the user needs to initiate a redemption application to the fund sales organization, the date of initiating the redemption application is the date of redemption application, and the redemption application contains the portion to be redeemed by the user.
It is to be understood that the calculation of the redemption amount requires net value of funds and share of funds redeemed according to the date of the redemption application. Specifically, S101 includes:
acquiring the total redemption share of all fund products on the redemption application date and the estimated net value of the fund on the redemption application date;
estimating a total redemption amount of all fund products based on the estimated net value of funds and the total redemption portion. In this embodiment, the fund company may issue the net fund value for the T day in the afternoon of the T day or the T +1 day, where the issued net fund value is the net fund estimated by the fund company, and the final net fund value is based on the confirmation data fed back from the fund company to the fund sales organization.
Also, in order to enable the user to be cashed in advance, S101 may be performed in advance, and if the user cashes money to the user on the target day, this step may be performed, for example, after the morning of the target day or on the day before the target day. Wherein the target day is a day before the redemption of the account date. Or in order to pay the user for funds as soon as possible, step S101 may be performed, for example, on the day of the redemption application day, or may be performed on the day following the redemption application day.
For example, the following steps are carried out: assuming that the user is a redemption application initiated on day T +0, the fund public will issue an estimated net value of fund on the fund website on day T +0 or day T +1, the fund sale institution will capture the estimated net value of fund from the fund website on day T +0 or day T +1, and estimate the total redemption amount of the fund product according to the captured estimated net value of fund and the total redemption portion of the fund.
In this embodiment, the total redemption amount of the fund product is estimated in advance by estimating the total redemption amount to be redeemed to the user and preparing funds accordingly, so that the fund sales organization can not only prepare funds in advance, but also ensure that sufficient funds are redeemed to the user.
S102: debiting the funding account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
in this embodiment, in order to be able to redeem the redemption funds in advance for the user, a funding account is established, and the source of funds in the funding account may include a variety of sources, for example, the redemption funds that may be billed at the target day for the fund company and/or the funds in the make-up account. Wherein, the fund preparing account is set by the fund selling institution and is used for storing funds.
Before money is drawn into the bedding account, the bedding account includes the following two cases:
in case one, a part of funds are contained in the bedding account;
in case two, the bedding account does not contain funds.
Before the money is transferred to the bedding account, the reason why the bedding account contains the funds may be as follows: the funds remain after the last transfer of funds into the funding account, after redemption of funds by the funding account to the user.
Reasons for not including funds in the bedding account prior to the transfer of funds into the bedding account may include: 1. transferring out the remaining funds in the bedding account after the redemption of the funds is redeemed for the user through the bedding account in the last time; 2. the funds in the last funding account were all used to redeem the redemption funds for the user.
Therefore, before money is transferred to the bedding account, the condition of funds in the bedding account can be judged, and then the money is transferred.
For the first case, namely when money is transferred to the bedding account, if the bedding account contains funds:
determining whether the amount of funds in the funding account is greater than or equal to the total redemption amount;
if the amount of funds in the funding account is greater than or equal to the total redemption amount, then no transfer to the funding account is necessary, or it is understood that the amount of funds transferred to the funding account is 0.
Alternatively, if the amount of funds in the funding account is less than the total redemption amount, a transfer of funds into the funding account is required.
Wherein the amount of money transfer is based on the difference in funds between the funded account and the total redemption amount, and the funds transferred into the funded account are greater than or equal to the difference in funds, in order to ensure that the amount of funds in the funded account is greater than or equal to the estimated total redemption amount.
For the second case, namely when money is transferred to the bedding account and the bedding fund is not contained in the bedding account:
wherein, the fund can be transferred to the bedding account according to the estimated total redemption amount, and after the fund is transferred, the fund amount in the bedding account is larger than or equal to the estimated total redemption amount.
For case two, see example two (S201-S204) below, the specific manner of transferring money into the bedding account.
S103: drawing funds from the bedding account on a target day and paying the funds to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
In this embodiment, before the user is charged with funds, the amount of redeemable funds of each user needs to be determined, and the amount of redeemable funds of each user needs to be calculated by the redemption share of each user and the net fund value determined by the fund company on the redemption application date, which specifically includes:
acquiring the net value of the fund confirmed by the fund company on the redemption application date and the fund share redeemed by each user;
calculating the amount of redeemable funds for each user based on the net value of funds on the redemption application date confirmed by the fund company and the share of funds redeemed by each user;
funds are debited from the funding account to each user based on the amount of redeemable funds of each user. Wherein, as can be seen from the above description, after the user submits the redemption application, the fund public transmits confirmation data to the fund sales organization on the redemption confirmation date, the confirmation data comprises the net value of the fund confirmed by the fund company, and then the fund sales organization can calculate the amount of the redeemable fund of each user according to the net value of the fund confirmed by the fund company and the redemption application share of each user.
In this embodiment, the fund sales organization, upon determining the redeemable funds for each user, may redeem the redeemable funds with the funds in the funding account as the funds have been previously committed to the funding account.
In this embodiment, because the fund sales organization previously committed funds in the funding account, the redeemable funds may be redeemed from the funding account to the user upon the fund sales organization determining the redeemable funds for each user.
Wherein a date when the fund sales organization redeems funds with the user is expressed as a target date, and the target date is earlier than a redemption check-out date, which is a date when funds are transferred from the fund sales organization to the fund sales organization.
Also, confirmation data containing the amount of money redeemable by each user is fed back to the fund sales organization at the redemption confirmation date by the fund company, that is, the fund sales organization may redeem the redeemable funds to the user at the redemption confirmation date or after the redemption confirmation date, on any day before the redemption check date. That is, the target day may be a redemption confirmation day or any day between the redemption confirmation day and the redemption ledger day. However, in order to, but in order to enhance the user experience, redeemable funds are paid as quickly as possible, it is preferred that redeemable funds are paid to the user on a redemption confirmation day.
In this embodiment, the redeemable funds are redeemed by creating a funding account and previously crediting the funding account and the user is redeemed with funds in the funding account on the target day after determining the amount of redeemable funds of the user, and in order to enable the fund sales organization to prepare funds in advance and to ensure sufficient supply of funds in the funding account, the total redemption amount of all fund products is also estimated in advance and funds are credited to the funding account in accordance with the estimated total redemption amount. In this way, the time for the fund sales company to transfer the redeemed funds into the fund sales company is longer, but the fund sales company can transfer the funds to the customer in advance through the funds in the bedding account before receiving the funds transferred by the fund sales company, so that the waiting time of the user is greatly shortened, and the user experience is improved.
As can be seen from the above description, the fund source of the bedding account may include various sources, such as the redeemed funds transferred from the fund company and/or the funds in the fund-making account, and accordingly, the manner of transferring the funds into the bedding account may also include various sources, such as the following, which describes several methods of transferring funds:
the first method,
Referring to fig. 4, a schematic flow chart of a method for transferring funds to a bedding account according to an embodiment of the present invention is shown, in this embodiment, the method includes:
s201: determining a theoretical amount of redeemed funds that are credited on the target day;
in this embodiment, the redeemed funds referred to herein as being credited on the target day may be understood as being applied for redemption by the user before and funds transferred by the fund company to the fund sales organization on the target day for redemption.
For example, the following steps are carried out: assuming that the user applies for redemption on day T +0, on day T +1 as a redemption confirmation day, and on day T +9 as a redemption ledger day, the fund company transfers the redemption fund to the fund sales organization on day T +9, but has other redemption applications on day T +8, and day T +9 is a target day for the user to redeem other redemption applications (redemption applications on day T + 8).
S202: determining whether a theoretical amount of redeemed funds credited on the target day is greater than or equal to a total redemption amount;
s203: transferring all redeemed funds credited on the target day to the funding account if the theoretical amount of redeemed funds credited on the target day is greater than or equal to the total redemption amount;
in this embodiment, if the theoretical amount of redeemable funds due on the target day is greater than or equal to the total redeemable amount, the redeemable funds due on the target day are sufficient for redeemable funds to the user in the case of normal funds due, so that the redeemable funds due on the target day are transferred to the funding account directly after the funds are due without debiting.
Where the above mentioned theoretical amount of redeemed funds credited on the target day is to be understood as funds that need to be credited on the target day, exclusive of anomalous crediting. However, in practice, there may be some funds that need to be paid out and cannot be transferred to the fund sales organization on the redemption check-out date due to the problems of bank transfer, network failure or insufficient funds of the fund company, and in such an abnormal check-out situation, the funds in the fund account need to be redistributed, which includes the following specific cases:
in case one, the actual account-checking fund is larger than the total redemption amount, the actual account-checking total redemption amount is still transferred into the investment account;
in case two, the actual funds accounted for are less than the total redemption amount, then the funds need to be debited from the fund-making account and the amount of funds in the final funding account is greater than or equal to the total redemption amount.
The method for borrowing from the reserve payment account can comprise the following steps:
and calculating a fund difference between the actual account-bound fund and the total redemption amount, borrowing the fund from the fund-preparation account according to the fund difference, and enabling the fund amount transferred from the fund-preparation account to the fund-backing account to be larger than or equal to the fund difference.
S204: and if the theoretical amount of the redeemed funds on the account-bound on the target day is less than the total redemption amount, transferring the redeemed funds on the account-bound on the target day into the bedding account, and drawing funds from the fund-making account into the bedding account so that the amount of the funds in the bedding account is greater than or equal to the total redemption amount.
In this embodiment, the fund transfer from the fund-preparation account to the funding account may be based on a difference between the estimated total redemption amount on the target day and the redemption amount billed on the target day, and the fund transferred from the fund-preparation account to the funding account may be greater than or equal to the difference.
The second method,
Funds are allocated from the funds-in-payment account to the funding account based on the estimated total redemption amount for all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount.
On the basis of the method, the redeemed funds which are paid out on the target day and are received by the fund sales organization and are paid out by the fund company can be directly paid out into the fund-making account.
In this embodiment, in the above money transfer manner, both the first method and the second method ensure that the fund in the funding account is greater than or equal to the estimated redemption amount. In this way, it is ensured that sufficient funds are supplied on the target day, and that funds can be redeemed for each user on the target day.
Further, after the funding account redeems the redeemed funds to all users, there may be funds remaining, wherein whether there are excess funds in the funding account, there are several cases:
in case one, if the funds transferred into the banked account are all the funds redeemed for the target day, the excess funds in the banked account is the total redeemed funds of the target day account-the total redemption confirmed funds.
Wherein the total redemption-confirmed amount is the total redemption amount of all fund products.
And in case two, if the funds transferred into the bedding account comprise the account-bound funds redeemed for the target day and the funds transferred from the reserve payment, and the amount of the total funds transferred into the bedding account is greater than the total redemption-confirmed amount, the surplus funds are the amount of the total funds transferred into the bedding account-the total redemption-confirmed amount.
In order to avoid the surplus funds left in the bedding account, the invention also comprises:
after redeemable funds are redeemed for each user, if remaining funds are contained in the funding account, transferring the remaining funds to the pay-for account.
And when the fund in the bedding account is insufficient, the fund is borrowed from the reserve payment account, and the fund remaining in the bedding account is transferred to the reserve payment account, which can also be understood as the repayment of the fund to the reserve payment account.
Referring to fig. 5, a schematic flow chart of a fund processing method according to an embodiment of the present invention is shown, in this embodiment, the method includes:
s301: the user initiates a redemption application to a fund sales organization on the redemption application date;
s302: the fund sales organization records the redemption application and transmits the redemption application data to the fund company;
s303: estimating a total redemption amount for all fund products on the redemption application date;
s304: drawing funds into the funding account based on the estimated total redemption amount for all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
specifically, the method comprises the following steps:
s3041: determining a theoretical amount of redeemed funds that are credited on the target day;
s3042, if the theoretical amount of the redeemed funds credited on the target day is greater than or equal to the total redeemed amount, transferring all the redeemed funds credited on the target day into the funding account;
s3043: and if the theoretical amount of the redeemed funds on the account-bound on the target day is less than the total redemption amount, transferring the redeemed funds on the account-bound on the target day into the bedding account, and drawing funds from the fund-making account into the bedding account so that the amount of the funds in the bedding account is greater than or equal to the total redemption amount.
S305: the fund company calculates the redeemed funds according to the determined net fund value and the redeemed shares;
the fund company calculates the redeemed funds of each fund product based on the net fund value of each fund product and the redeemed shares of each fund product, and credits the sum of these funds into the fund sales organization on the redemption check-out date.
S306: the fund sales organization calculates the redeemable amount of each user according to the net fund value in the redemption confirmation data after receiving the redemption confirmation data of the fund company on the redemption confirmation date;
s307: the fund sales organization draws funds from the bedding account to pay the users according to the redeemable amount of each user on the target day;
wherein the target day is any one of the redemption confirmation day and the redemption check day, and the preferred is the redemption confirmation day. Wherein the redemption account date is the date the fund company has drawn funds into the fund sales organization.
In addition, after the funds are redeemed for each user, the user is notified that the user has transferred funds to the user.
S308: after redeemable funds are redeemed for all users, if the bedding account contains the remaining funds, transferring the remaining funds to a pay-by-payment account;
s309, on the redemption check-out day, the fund company draws redemption funds to the fund sales organization.
And, after the redemption of the redeemed funds into the sales organization, sending the transfer feedback data to the fund sales organization.
In this embodiment, the redeemable funds are redeemed by creating a funding account and previously crediting the funding account and the user is redeemed with funds in the funding account on the target day after determining the amount of redeemable funds of the user, and in order to enable the fund sales organization to prepare funds in advance and to ensure sufficient supply of funds in the funding account, the total redemption amount of all fund products is also estimated in advance and funds are credited to the funding account in accordance with the estimated total redemption amount. In this way, the time for the fund sales company to transfer the redeemed funds into the fund sales company is longer, but the fund sales company can transfer the funds to the customer in advance through the funds in the bedding account before receiving the funds transferred by the fund sales company, so that the waiting time of the user is greatly shortened, and the user experience is improved.
In addition, in order to avoid the fund in the bedding account from being idle, the residual fund in the bedding account can be transferred out to the reserve payment account.
In addition, in order to facilitate the circulation of funds, the fund sales organization may further set up accounts with different authorities, for example, the aforementioned banker account and the fund preparation account, both of which have the function of storing funds, but in order to enhance the circulation security of funds, an account for the fund company and an account for paying the user may also be set up, wherein the account for the fund company is a debit account, and the account for paying the user is a payment account.
Wherein the process of making payment through the payment account comprises:
drawing funds from the funding account to a payment account;
redeemable funds are redeemed by the payment account to each user.
As can be seen from the above description, in the process of fund processing, the fund sales organization may set up several accounts as follows: debit account, funding account, sales organization funds payment account, and payment account, for clarity of the process of money transfer between several accounts, as shown in FIG. 6:
the fund flow 1 represents the transfer of funds from the sales organization's funds-in-reserve account to the funding account;
when the money is transferred to the fund-filling account, if the theoretical amount of the redeemed fund in the target day account is larger than or equal to the total redeemed amount, the money is not transferred from the fund-preparing account;
however, if the theoretical amount of redeemed funds billed on the target day is less than the total redemption amount, in addition to the credited redemption funds being transferred to the funding account, a transfer from the funding account is required so that the amount of funds in the funding account is greater than or equal to the amount of total redeemed funds.
Or when the funds actually received in the requisition account are less than the estimated total redemption amount, in addition to transferring the redeemed funds into the funding account, a transfer from the funding account is required so that the amount of funds in the funding account is greater than or equal to the amount of total redeemed funds.
The fund flow 2 is that the fund company transfers the redeemed fund of the target daily account into the fund account of the fund sales organization;
the fund flow direction 3 is to transfer the fund in the fund requisition account into the fund backing account;
it is understood that the redeemed funds that are billed are transferred to the funding account.
The fund flow 4 is that the fund in the bedding account is transferred into the payment account, and the redeemable fund is redeemed to each user through the payment account;
funding flow 5 is the payment account returning excess funds to the funding account after the payment account redeemable funds have been redeemed against all users;
the fund flow 6 is transferring excess funds from the fund backing account to the fund backing account.
Wherein after redeemable funds are redeemed for all users, if there is excess funds in the funding account, transferring the excess funds from the funding account to the pay-for account.
Referring to fig. 7, a schematic structural diagram of a money handling apparatus according to an embodiment of the present invention is shown, and in this embodiment, the apparatus includes:
a total redemption amount estimation unit 701 for estimating total redemption amounts of all fund products;
a fund transfer unit 702 for transferring funds into the funded account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funded account is greater than or equal to the total redemption amount;
a fund cashing unit 703, configured to draw fund from the funding account for cashing to the user on the target day; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
Optionally, the total redemption amount evaluation unit is configured to:
acquiring the total redemption share of all fund products on the redemption application date and the estimated net value of the fund on the redemption application date;
estimating a total redemption amount of all fund products based on the estimated net value of funds and the total redemption portion.
Optionally, a fund transfer unit for:
determining a theoretical amount of redeemed funds that are credited on the target day;
if the theoretical amount of redeemed funds credited on the target day is greater than or equal to the total redemption amount, transferring all of the redeemed funds credited on the target day to the funding account.
Or, if the theoretical amount of redeemed funds on the target day does not correspond to the actual amount credited on the target day, and the actual amount credited on the target day is less than the total redemption amount, then the fund is drawn into the funding account in accordance with the estimated total redemption amount for all fund products, further for:
funds are credited from the pay-as-you-go account to the funding account such that an amount of funds in the funding account is greater than or equal to the total redemption amount.
Or, further to:
and if the theoretical amount of the redeemed funds on the account-bound on the target day is less than the total redemption amount, transferring the redeemed funds on the account-bound on the target day into the bedding account, and drawing funds from the fund-making account into the bedding account so that the amount of the funds in the bedding account is greater than or equal to the total redemption amount.
Or, further to:
funds are allocated from the funds-in-payment account to the funding account based on the estimated total redemption amount for all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount.
Optionally, the apparatus is further configured to:
transferring the redeemed funds that are credited on the target day to the pay-by account.
Optionally, the fund redemption unit is configured to:
acquiring the net value of the fund confirmed by the fund company on the redemption application date and the fund share redeemed by each user;
calculating the amount of redeemable funds for each user based on the net value of funds on the redemption application date confirmed by the fund company and the share of funds redeemed by each user;
funds are debited from the funding account to each user based on the amount of redeemable funds of each user.
Optionally, the apparatus is further configured to:
after redeemable funds are redeemed for each user, if remaining funds are contained in the funding account, transferring the remaining funds to the pay-for account.
Optionally, the fund redemption unit is configured to:
drawing funds from the funding account to a payment account;
redeemable funds are redeemed by the payment account to each user.
The device of the embodiment sets the fund-raising account, transfers funds in the fund-raising account in advance, and redeemable funds are redeemed for the user through the funds in the fund-raising account, so that the fund sales organization can redeem the funds to the user in advance at the appointed time, and does not need to cash the funds for the user after the redeemed funds of the fund company are paid, thereby greatly shortening the redemption period of the user, reducing the waiting time of the user, and improving the experience of the user. And, by estimating the total redemption amount of all fund products, not only can the fund to be paid be prepared in advance, but also enough fund supply in the fund payment account can be ensured.
Referring to fig. 8, a schematic structural diagram of a computer device provided in an embodiment of the present invention is shown, where in the embodiment, the device includes:
a processor 801 and a memory 802;
wherein the processor 801 is configured to execute the program stored in the memory 802;
the memory is to store a program to at least:
estimating the total redemption amount of all fund products;
debiting the funding account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
drawing funds from the bedding account on a target day and paying the funds to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
Optionally, estimating the total redemption amount of all fund products, including:
acquiring the total redemption share of all fund products on the redemption application date and the estimated net value of the fund on the redemption application date;
estimating a total redemption amount of all fund products based on the estimated net value of funds and the total redemption portion.
Optionally, the fund transfer into the funding account in accordance with the estimated total redemption amount of all fund products comprises:
determining a theoretical amount of redeemed funds that are credited on the target day;
if the theoretical amount of redeemed funds credited on the target day is greater than or equal to the total redemption amount, transferring all of the redeemed funds credited on the target day to the funding account.
Optionally, if the theoretical amount of redeemed funds due on the target day is not consistent with the actual amount due on the target day, and the actual amount due on the target day is less than the total redemption amount, the fund is transferred to the funding account according to the estimated total redemption amount of all fund products, further comprising:
funds are credited from the pay-as-you-go account to the funding account such that an amount of funds in the funding account is greater than or equal to the total redemption amount.
Optionally, the fund transfer into the funding account based on the estimated total redemption amount of all fund products, further comprising:
and if the theoretical amount of the redeemed funds on the account-bound on the target day is less than the total redemption amount, transferring the redeemed funds on the account-bound on the target day into the bedding account, and drawing funds from the fund-making account into the bedding account so that the amount of the funds in the bedding account is greater than or equal to the total redemption amount.
Optionally, the fund transfer into the funding account in accordance with the estimated total redemption amount of all fund products comprises:
funds are allocated from the funds-in-payment account to the funding account based on the estimated total redemption amount for all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount.
Optionally, the method further includes:
transferring the redeemed funds that are credited on the target day to the pay-by account.
Optionally, the drawing funds from the bedding account on the target day to pay for the user, including:
acquiring the net value of the fund confirmed by the fund company on the redemption application date and the fund share redeemed by each user;
calculating the amount of redeemable funds for each user based on the net value of funds on the redemption application date confirmed by the fund company and the share of funds redeemed by each user;
funds are debited from the funding account to each user based on the amount of redeemable funds of each user.
Optionally, the method further includes:
after redeemable funds are redeemed for each user, if remaining funds are contained in the funding account, transferring the remaining funds to the pay-for account.
Optionally, the drawing funds from the bedding account for redemption to each user includes:
drawing funds from the funding account to a payment account;
redeemable funds are redeemed by the payment account to each user.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (12)
1. A method of fund processing, comprising:
estimating the total redemption amount of all fund products;
debiting the funding account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
drawing funds from the bedding account on a target day and paying the funds to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
2. The method according to claim 1, wherein the estimating the total redemption amount of all fund products comprises:
acquiring the total redemption share of all fund products on the redemption application date and the estimated net value of the fund on the redemption application date;
estimating a total redemption amount of all fund products based on the estimated net value of funds and the total redemption portion.
3. The method according to claim 1, wherein the fund transfer into the funding account in accordance with the estimated total redemption amount of all fund products comprises:
determining a theoretical amount of redeemed funds that are credited on the target day;
if the theoretical amount of redeemed funds credited on the target day is greater than or equal to the total redemption amount, transferring all of the redeemed funds credited on the target day to the funding account.
4. The method according to claim 3, wherein the fund transfer into the funding account in accordance with the estimated total redemption amount for all fund products if the theoretical amount of redeemed funds on the target day is inconsistent with the actual amount redeemed on the target day and the actual amount redeemed on the target day is less than the total redemption amount, further comprising:
funds are credited from the pay-as-you-go account to the funding account such that an amount of funds in the funding account is greater than or equal to the total redemption amount.
5. The method according to claim 3, wherein the fund transfer into the funding account is based on the estimated total redemption amount of all fund products, further comprising:
and if the theoretical amount of the redeemed funds on the account-bound on the target day is less than the total redemption amount, transferring the redeemed funds on the account-bound on the target day into the bedding account, and drawing funds from the fund-making account into the bedding account so that the amount of the funds in the bedding account is greater than or equal to the total redemption amount.
6. The method according to claim 1, wherein the fund transfer into the funding account in accordance with the estimated total redemption amount of all fund products comprises:
funds are allocated from the funds-in-payment account to the funding account based on the estimated total redemption amount for all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount.
7. The method of claim 6, further comprising:
transferring the redeemed funds that are credited on the target day to the pay-by account.
8. The method of claim 1, wherein the drawing funds from the funding account to the user on the target day comprises:
acquiring the net value of the fund confirmed by the fund company on the redemption application date and the fund share redeemed by each user;
calculating the amount of redeemable funds for each user based on the net value of funds on the redemption application date confirmed by the fund company and the share of funds redeemed by each user;
funds are debited from the funding account to each user based on the amount of redeemable funds of each user.
9. The method of claim 1, further comprising:
after redeemable funds are redeemed for each user, if remaining funds are contained in the funding account, transferring the remaining funds to the pay-for account.
10. The method of claim 1, wherein the drawing funds from the bedding account for redemption to each user comprises:
drawing funds from the funding account to a payment account;
redeemable funds are redeemed by the payment account to each user.
11. A money handling apparatus, comprising:
a total redemption amount estimation unit for estimating total redemption amounts of all fund products;
a fund transfer unit for transferring funds into the funded account in dependence on the estimated total redemption amount of all fund products such that the amount of funds in the funded account is greater than or equal to the total redemption amount;
the fund cashing unit is used for drawing fund from the investment account on a target day and cashing the fund to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
12. A money handling apparatus, comprising: a processor and a memory;
wherein the processor is configured to execute a program stored in the memory;
the memory is to store a program to at least:
estimating the total redemption amount of all fund products;
debiting the funding account in accordance with the estimated total redemption amount of all fund products such that the amount of funds in the funding account is greater than or equal to the total redemption amount;
drawing funds from the bedding account on a target day and paying the funds to the user; the target date is prior to a redemption due date on which the fund company has committed redeemed funds to the fund sales organization.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910556921.9A CN112132688A (en) | 2019-06-25 | 2019-06-25 | Capital processing method, device and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201910556921.9A CN112132688A (en) | 2019-06-25 | 2019-06-25 | Capital processing method, device and equipment |
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| CN112132688A true CN112132688A (en) | 2020-12-25 |
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| CN201910556921.9A Pending CN112132688A (en) | 2019-06-25 | 2019-06-25 | Capital processing method, device and equipment |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107665445A (en) * | 2017-09-14 | 2018-02-06 | 苏宁云商集团股份有限公司 | A kind of method and device for handling order and redeeming message |
| CN108038684A (en) * | 2017-12-28 | 2018-05-15 | 泰康保险集团股份有限公司 | A kind of method of payment, device, medium and electronic equipment |
| CN108648083A (en) * | 2018-05-17 | 2018-10-12 | 平安科技（深圳）有限公司 | Fund resources processing method, system, computer equipment and storage medium |
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2019
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107665445A (en) * | 2017-09-14 | 2018-02-06 | 苏宁云商集团股份有限公司 | A kind of method and device for handling order and redeeming message |
| CN108038684A (en) * | 2017-12-28 | 2018-05-15 | 泰康保险集团股份有限公司 | A kind of method of payment, device, medium and electronic equipment |
| CN108648083A (en) * | 2018-05-17 | 2018-10-12 | 平安科技（深圳）有限公司 | Fund resources processing method, system, computer equipment and storage medium |
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