WO2021013179A1

WO2021013179A1 - Reserve allocation method and apparatus, and computer device

Info

Publication number: WO2021013179A1
Application number: PCT/CN2020/103525
Authority: WO
Inventors: 卢翔; 张文瀚
Original assignee: 网联清算有限公司
Priority date: 2019-07-23
Filing date: 2020-07-22
Publication date: 2021-01-28
Also published as: CN110428323A

Abstract

A reserve allocation method and apparatus, and a computer device. The method comprises: determining deviation information of target reserve accounts, wherein the deviation information describes differences between available funds of the respective target reserve accounts, and the target reserve accounts are reserve accounts at a target management level; and allocating, according to the deviation information in combination with a preset strategy, reserves between the target reserve accounts. The invention effectively reduces the complexity of allocating reserves between reserve accounts, thus providing efficient and convenient management of multiple reserve accounts, and improving the efficiency of allocating reserves between the multiple reserve accounts.

Description

Reserve funds allocation method, device and computer equipment

Cross references to related applications

This application requires that Net Union Clearing Co., Ltd. submits the priority of the Chinese patent application with the application number 201910666780.6 and the invention title "Methods, devices and computer equipment for the allocation of funds" to the Chinese Patent Office on July 23, 2019, all of which The content is incorporated in this application by reference.

Technical field

This application relates to the field of clearing technology, and in particular to a method, device and computer equipment for allocating reserve funds.

Background technique

In the actual application process of the clearing platform, a discrete account system is generally adopted, that is, multi-level accounts are constructed in multiple clearing centers. For example, for a certain payment institution, a multi-level account is set up. The reserve fund of the payment institution can be stored in all levels of accounts in a distributed manner. The reserve fund, as the name suggests, refers to the funds that the account institution has prepared for payment. In certain specific scenarios, it can also specifically refer to the part of the central bank's deposits that exceed the legal deposit reserve ratio in the commercial bank. At this time, it can also be called excess reserve.

In the related technology, different reserve accounts are connected to each other, and each reserve account directly reads each other's account reserve information (the account reserve information is, for example, the available amount, etc.), and then each reserve account The payment account allocates the provision in the corresponding provision account according to the read account provision information.

In this way, with the increase in the number of reserve accounts, the number of connections between each reserve account shows a geometric increase, which will cause the complexity of the allocation of reserve funds between each reserve account to become geometric With the increase in levels, the allocation of provisions for multiple provision accounts is more complicated and the allocation efficiency is not high.

Summary of the invention

This application aims to solve one of the technical problems in the related technology at least to a certain extent.

To this end, one purpose of this application is to propose a reserve allocation method, device and computer equipment, which can effectively reduce the complexity of the allocation of reserve funds between reserve accounts, and enable the management of multiple reserve accounts It is more efficient and convenient, and improves the efficiency of reserve funds allocation among multiple reserve accounts.

In order to achieve the above purpose, the provision allocation method proposed in the embodiment of the first aspect of this application is applied to a clearing platform, in which multiple provision accounts of different management levels are configured for the target payment institution , Each of the reserve accounts stores the reserve funds of the target payment institution, and the method includes: determining deviation information of the target reserve account, and the deviation information describes the difference between the target reserve accounts The difference status of the available quota, the target reserve account is a reserve account at the target management level; according to the deviation information, combined with a preset strategy, the reserve funds between the target reserve accounts Make a transfer.

The provision allocation method proposed in the embodiment of the first aspect of this application determines the deviation information of the target provision account, where the deviation information is used to describe the difference status of the available quota between the target provision accounts, and the target provision account The gold account is a reserve account at the target management level, and according to the deviation information, combined with the preset strategy, the reserve funds between the target reserve accounts are allocated, because it is combined between the target reserve accounts The difference status of the available quotas uniformly allocates the reserve funds between the target reserve accounts, and is not limited by the number of connections between multiple target reserve accounts, so it can effectively reduce the reserve funds The complexity of the allocation of provision between accounts makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

In order to achieve the above purpose, the provision allocation device proposed in the embodiment of the second aspect of the present application is applied to a clearing platform, in which a target payment institution is configured with multiple provision accounts with different management levels Each of the reserve funds accounts stores the reserve funds of the target payment institutions, and the device includes: a determining module for determining deviation information of the target reserve funds account, and the deviation information describes each of the target reserve funds. The difference status of the available quotas between payment accounts, the target reserve account is a reserve account at the target management level; the allocation module is used to adjust each target according to the deviation information in combination with a preset strategy The reserve funds between the reserve accounts are allocated.

The provision allocation device proposed in the embodiment of the second aspect of the present application determines the deviation information of the target provision account, where the deviation information is used to describe the difference state of the available quota between the target provision accounts, and the target provision account The gold account is a reserve account at the target management level, and according to the deviation information, combined with the preset strategy, the reserve funds between the target reserve accounts are allocated, because it is combined between the target reserve accounts The difference status of the available quotas uniformly allocates the reserve funds between the target reserve accounts, and is not limited by the number of connections between multiple target reserve accounts, so it can effectively reduce the reserve funds The complexity of the allocation of provision between accounts makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

In order to achieve the above objective, the non-transitory computer-readable storage medium proposed by the embodiment of the third aspect of the present application, when the instructions in the storage medium are executed by the processor of the terminal, enables the terminal to perform a reserve allocation A method, the method includes: determining deviation information of a target reserve account, the deviation information describing the difference state of the available quota between the target reserve accounts, and the target reserve account is in the target A management-level reserve account; according to the deviation information, the reserve funds between the target reserve accounts are allocated in combination with a preset strategy.

The non-transitory computer-readable storage medium proposed by the embodiment of the third aspect of the present application determines the deviation information of the target reserve account, where the deviation information is used to describe the difference state of the available quota between the target reserve accounts, The target reserve account is a reserve account at the target management level, and based on deviation information, combined with a preset strategy to allocate the reserve between each target reserve account, because it is combined with each target reserve The difference status of the available limits between accounts, the unified allocation of the reserve funds between the target reserve accounts, will not be limited by the number of connections between multiple target reserve accounts, so it can effectively reduce The complexity of the allocation of provision between the provision accounts makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

In order to achieve the above-mentioned purpose, the computer program product proposed in the embodiment of the fourth aspect of the present application, when the instructions in the computer program product are executed by the processor, executes a reserve allocation method, which is applied in the clearing platform, In the clearing platform, for the target payment institution, multiple reserve accounts of different management levels are configured, and each reserve account stores the reserve funds of the target payment institution, and the method includes: determining the target reserve The deviation information of the payment account, the deviation information describes the difference state of the available quotas among the target reserve accounts, the target reserve account is a reserve account at the target management level; The deviation information is combined with a preset strategy to allocate the reserve funds between the target reserve accounts.

The computer program product proposed in the embodiment of the fourth aspect of this application determines the deviation information of the target reserve account, where the deviation information is used to describe the difference state of the available quotas between the target reserve accounts, and the target reserve account , Is the reserve account at the target management level, and according to the deviation information, combined with the preset strategy to allocate the reserve between the target reserve accounts, because it is combined with the available quota between the target reserve accounts The difference status of each target reserve account is uniformly allocated, and will not be limited by the number of connections between multiple target reserve accounts. Therefore, it can effectively reduce the number of reserve accounts. The complexity of interim provision allocation makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

In order to achieve the above objective, an embodiment of the fifth aspect of the present application also proposes a computer device. The computer device includes a housing, a processor, a memory, a circuit board, and a power circuit, wherein the circuit board is arranged around the housing. In the space formed, the processor and the memory are arranged on the circuit board; the power circuit is used to supply power to various circuits or devices of the computer equipment; the memory is used to store executable program code The processor reads the executable program code stored in the memory to run the program corresponding to the executable program code for execution: determine the deviation information of the target reserve account, the deviation information , Describe the difference status of the available quotas between the target reserve accounts, the target reserve account is a reserve account at the target management level; according to the deviation information, combined with preset strategies The reserve funds between the stated target reserve accounts are allocated.

The embodiment of the fifth aspect of the present application also proposes a computer device that determines the deviation information of the target reserve account, where the deviation information is used to describe the difference status of the available quota between the target reserve accounts, and the target reserve account The account is a reserve account at the target management level, and according to the deviation information, combined with a preset strategy to allocate the reserve between the target reserve accounts, because it is combined with the available between the target reserve accounts The difference status of the quota, the unified allocation of the reserve funds between the target reserve accounts, will not be limited by the number of connections between multiple target reserve accounts, so it can effectively reduce the reserve accounts The complexity of inter-prevention allocation makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

The additional aspects and advantages of this application will be partly given in the following description, and some will become obvious from the following description, or be understood through the practice of this application.

Description of the drawings

The above and/or additional aspects and advantages of the present application will become obvious and easy to understand from the following description of the embodiments in conjunction with the accompanying drawings, in which:

Fig. 1 is a schematic flow chart of a method for allocating reserves proposed in an embodiment of the present application;

Figure 2 is a schematic diagram of the account system structure in an embodiment of the application;

FIG. 3 is a schematic flowchart of a method for allocating reserves proposed in another embodiment of the application;

FIG. 4 is a schematic structural diagram of a reserve fund allocation device proposed in an embodiment of the present application;

FIG. 5 is a schematic structural diagram of a reserve fund allocation device proposed by another embodiment of the present application;

Fig. 6 is a schematic structural diagram of a computer device proposed in an embodiment of the present application.

Detailed ways

The embodiments of the present application are described in detail below. Examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals indicate the same or similar elements or elements with the same or similar functions. The embodiments described below with reference to the drawings are exemplary, and are only used to explain the present application, and cannot be understood as a limitation to the present application. On the contrary, the embodiments of the present application include all changes, modifications and equivalents falling within the scope of the spirit and connotation of the appended claims.

Fig. 1 is a schematic flow chart of a method for allocating reserves proposed in an embodiment of the present application.

In this embodiment, the provision allocation method is configured in the provision allocation device for example.

The provision allocation method in this embodiment can be configured in the provision allocation device, and the provision allocation device can be set in the server, or can also be set in the electronic device, which is not limited.

In this embodiment, an example is taken that the reserve fund allocation method is configured in an electronic device.

Among them, the electronic device is, for example, a personal computer, a cloud device, or a mobile device, and the mobile device may be a smart phone, or a tablet computer.

It should be noted that the execution body of the embodiment of the present application may be a server or a central processing unit in an electronic device in hardware, and a server or a related background service in an electronic device in software. limit.

The provision allocation method of the embodiment of this application is applied to a clearing platform. In the clearing platform, multiple provision accounts of different management levels are configured for the target payment institution, and each provision account stores the target payment institution ’S provision.

Among them, the target payment institution may be initiated by a non-bank payment institution, but an online payment institution involving a bank account. The target payment institution may be, for example, Alipay, or WeChat Pay, etc., which is not limited.

It should be noted that the reserve fund, as the name suggests, refers to the funds that the account institution has prepared for payment. In certain specific scenarios, it can also specifically refer to the part of the central bank's deposits in excess of the legal deposit reserve ratio of the commercial bank, which can also be called excess reserve. The reserve in this application is not limited.

Referring to Figure 1, the method includes:

S101: Determine the deviation information of the target reserve account, the deviation information, describe the difference status of the available quota between the target reserve accounts, the target reserve account is the reserve account at the target management level.

Among them, the target management level is one of multiple management levels.

In some embodiments, for the target payment institution, multiple management levels and multiple reserve accounts may be configured, and each reserve account stores the reserve funds of the target payment institution. The multiple management levels may be, for example, three or More than three to achieve distributed storage management of the reserve funds of the target payment institution.

In the embodiment of the present application, the number of management levels may preferably be two. Specifically, the two management levels may include: a centralized management platform level and a database management center level. The centralized management platform level is higher than the database management center level. The management level is the database management center level. The centralized management platform level is higher than the database management center level. It can refer to the management authority of the centralized management platform level and the management authority of the database management center level. There is no restriction on this.

When the number of management levels is preferably two, the two management levels can include: centralized management platform level and database management center level, which can realize the management of all areas in the area through the database management center level reserve account Sub-account, and through centralized management platform-level reserve account management database management center-level reserve account, realize the unified collection and management of the information of multiple reserve accounts, and will not increase the management complexity This makes the management of multiple reserve accounts clearer, more efficient and convenient.

When it is preferable that there are two management levels, the two management levels may include: a centralized management platform level and a database management center level, refer to FIG. 2. FIG. 2 is a schematic diagram of the account system structure in an embodiment of the application. The structure is specifically a three-level account system structure, in which accounts in the three-level account system structure are divided into different management levels, for example, multiple reserve accounts are divided into the database management center level and the database management center level The reserve account can be called (Internet Data Center, IDC) Internet data center account 21. A centrally managed platform-level reserve account is set up on the IDC account 21. This reserve account can be called a platform Level master account 22.

The target reserve account in the embodiment of the present application is the database management center-level reserve account shown in FIG. 2. It can be understood that the number of target reserve accounts is multiple, which is compared with the related technology An access connection is established between multiple target reserve accounts for reserve allocation. In this embodiment of the application, a platform-level master account is established on multiple target reserve accounts, and the platform-level master account pairs The reserve funds of multiple target reserve accounts are uniformly allocated, thus achieving unified allocation management.

In the embodiment of this application, when the platform-level master account is used to uniformly allocate the reserves of multiple target reserve accounts, the deviation information of each target reserve account is determined, and the deviation information describes each target reserve account. The difference status of the available quotas between the gold accounts, and thus the difference status of the available quotas between the target reserve accounts, is used to uniformly allocate the reserves between the target reserve accounts.

The deviation information can be, for example, deviation degree and deviation value. The deviation degree and deviation value can be used to describe the difference state of the available quotas between the target reserve accounts, or the deviation information can be, for example, other information that can be used to describe There is no restriction on the mathematics index of the difference state of the available amount between the target reserve accounts.

S102: According to the deviation information, in combination with a preset strategy, the reserve funds between the target reserve accounts are allocated.

The preset strategy can be a pre-set strategy for the allocation of reserves, which can be specifically set according to the actual business application requirements of the clearing platform, or it can be set by the factory program of the clearing platform. There is no restriction on this.

The preset strategy can be, for example, according to the deviation information, collect the reserve funds of some of the multiple target reserve accounts accordingly, and distribute the reserve funds to other accounts, or it can be There are no restrictions on other management strategies that can achieve efficient allocation.

In some embodiments, when the deviation information is used in combination with a preset strategy to transfer the reserve funds between the target reserve accounts, the difference state described by the deviation information may be input into a mathematical model, the mathematical model You can learn in advance a preset strategy that matches the current difference state, and then analyze the output of the mathematical model to get the matched preset strategy, and use the matched preset strategy to perform the reserve funds between the target reserve accounts Transfer.

In the embodiment of the present application, it can be determined whether the deviation degree and the deviation value meet the preset conditions, and if the preset conditions are met, the preset strategy is used to allocate the reserve funds between the target reserve accounts.

Among them, the preset conditions may be preset, which may be specifically set according to the actual business application requirements of the clearing platform, or may also be set by the factory program of the clearing platform, which is not limited.

By determining whether the deviation degree and the deviation value meet the preset conditions, if the preset conditions are met, the preset strategy is combined with the preset strategy to transfer the reserve funds between the target reserve accounts, the transfer is easy to implement, and, due to the preset conditions It is set according to the actual business application requirements of the clearing platform, or it can be set by the factory program of the clearing platform. The setting method is more flexible, and the timing of allocation is determined according to the deviation degree and whether the deviation value meets the preset conditions. It is possible to determine a more appropriate time for allocation and improve the effect of allocation management.

In this embodiment, by determining the deviation information of the target reserve account, the deviation information is used to describe the difference status of the available quotas between the target reserve accounts. The target reserve account is the reserve at the target management level. According to the deviation information, the reserve funds between the target reserve accounts are allocated based on the deviation information and the preset strategy. Because it is combined with the difference status of the available quotas between the target reserve accounts, the target reserve The uniform allocation of provisions between payment accounts will not be limited by the number of connections between multiple target provision accounts. Therefore, it can effectively reduce the complexity of provision allocation between provision accounts , Which makes the management of multiple reserve accounts more efficient and convenient, and improves the efficiency of reserve allocation among multiple reserve accounts.

Fig. 3 is a schematic flow chart of a method for allocating reserves proposed in an embodiment of the present application.

Referring to Figure 3, the method includes:

S301: Determine the deviation information of the target reserve account, the deviation information, describe the difference status of the available quotas between the target reserve accounts, the target reserve account is a reserve account at the target management level.

In this embodiment, the target management level is the database management center level, and the target reserve account is the reserve account in the database management center level, which can be, for example, an IDC account. The difference status of the available quotas between the target reserve accounts is determined by Deviate information to express.

Among them, the deviation information can be deviation degree and deviation value.

As an example, when determining the deviation information of the target reserve account, the current available quotas of multiple IDC accounts can be read to obtain the highest value M_max and the lowest value M_min of the available quotas in the multiple IDC accounts, and then, According to the highest value M_max and the lowest value M_min read, the deviation degree and deviation value are calculated.

Specifically, the deviation degree is N, N=(M_max-M_min)/M_max, and the deviation value is |M_max-M_min|, which is not limited.

S302: Determine whether the deviation degree and the deviation value meet preset conditions.

In the specific implementation process, the threshold corresponding to the degree of deviation can be set in advance (the threshold is the limit for determining the timing of adjustment by the degree of deviation), and then the degree of deviation is compared with the threshold to determine whether the degree of deviation meets the preset conditions. And, the deviation degree and the deviation value are used to determine whether the deviation degree and the deviation value meet the preset conditions, which is not limited.

Among them, the threshold may be specifically set according to the actual business application requirements of the clearing platform, or may also be set by the factory program of the clearing platform, which is not limited.

In the embodiment of the present application, when it is determined that the deviation degree is less than or equal to the threshold value, or the deviation degree is less than or equal to the deviation value, it can be determined that the deviation degree and the deviation value do not meet the preset conditions, and the deviation degree is determined to be greater than the threshold value, and the deviation degree When it is greater than the deviation value, it is determined that the deviation degree and the deviation value meet the preset conditions.

As an example, when the deviation degree N corresponding to multiple IDC accounts is less than or equal to the threshold, or when the deviation degree is less than or equal to the deviation value, it is determined that the conditions for the allocation of the target reserve account are not met. At this time, Does not trigger the allocation of the reserve funds between target reserve accounts, and when the deviation degree N in the multi-IDC account is greater than the threshold, and the deviation degree N is greater than the deviation value, it is determined that the provision for the target reserve account is satisfied The conditions for the transfer will initiate the transfer of the reserve funds between the reserve accounts.

S303: If the preset condition is met, determine the target value of the reserve fund of the multiple target reserve fund accounts.

S304: Determine whether the available quota of each target reserve account is greater than the target value of the reserve.

In the specific implementation process, when the deviation degree and deviation value of the target reserve account in the target management level in the clearing platform meet the preset conditions, the reserve in the target reserve account is allocated.

Among them, when the reserve fund in the target reserve fund account is allocated, the target value of the reserve fund of multiple target reserve accounts is first determined, and the target value of the reserve fund is among the multiple target reserve accounts The average value of the reserve fund, more specifically, is the average value of the reserve fund accounts in the available state of the multiple target reserve fund accounts.

As an example, according to the reserve fund situation of each IDC account, the reserve fund in the IDC account in the available state is added up, and then the sum of the reserve fund obtained from the total is added to the IDC account in the available state Divide the number of, get the average value of the reserve M_avg, and use the average value of the reserve M_avg as the target value of the reserve.

Then, compare the available quota of each target reserve account with the determined target value of the reserve, and judge whether the available quota of each target reserve account is greater than the target value of the reserve.

S305: According to the result of the judgment, allocate the reserve funds between the target reserve accounts.

In some embodiments, according to the result of the judgment, the allocation of the reserve funds between the target reserve accounts may be that the available amount of the first reserve account in the multiple target reserve accounts is greater than the reserve account When the target value of the fund is set, transfer the reserve in the first reserve account to the reserve account at the centralized management platform level; the available amount of the second reserve account in the multiple target reserve accounts is less than the reserve When the target value of the payment is set, the provision in the central management platform-level provision account will be transferred to the second provision account.

When the available amount of the first reserve account in multiple target reserve accounts is greater than the target value of the reserve, the reserve in the first reserve account is transferred to the reserve at the centralized management platform level Account; when the available amount of the second reserve account in multiple target reserve accounts is less than the target value of the reserve, the reserve in the reserve account at the centralized management platform level will be transferred to the second reserve The payment account realizes the transfer or transfer of the reserve in combination with the average value of the reserve in the available reserve account, so that the transfer or transfer can be combined with the actual operation of the reserve account, so that the transfer or the transfer The allocation is more reasonable, has better applicability, and meets the needs of actual application scenarios.

In some embodiments, the reserve fund in the reserve fund account of the centralized management platform level is transferred to the second reserve fund account, which may be centralized management when there are multiple second reserve fund accounts The reserve funds in the platform-level reserve accounts are evenly transferred to each second reserve account.

When the number of second reserve accounts is more than one, the reserve funds in the centralized management platform-level reserve accounts are evenly allocated to each second reserve account, reducing the complexity of the allocation algorithm It also makes the allocation logic more reasonable and improves the allocation effect.

As an example, for accounts in which the reserve fund in the reserve account is greater than the target value of the reserve fund, the reserve fund can be turned in. The amount of the payment can be that the reserve fund in the reserve account exceeds the target value of the reserve fund For accounts in which the provision in the provision account is less than the target value of the provision, a provision is made, and the amount of provision is that the provision in the provision account is less than the target value of the provision For the part of the reserve fund account, the reserve fund of the account whose reserve fund is equal to the target value of the reserve fund shall not be transferred or transferred.

In this embodiment, the deviation information of the target reserve account is determined, where the deviation information is the difference state of the available quota among the target reserve accounts, and the target reserve account is the reserve account at the target management level , In determining whether the deviation degree and deviation value meet the preset conditions, if the preset conditions are met, determine the target value of the reserve fund of multiple target reserve accounts, and judge whether the available quota of each target reserve account is greater than the reserve fund The target value, and according to the result of the judgment, the allocation of the reserve funds between the target reserve accounts can clearly and reasonably present the available quota information in the reserve account, improve the presentation effect, and deal with the reserve There is a reasonable plan for the transfer and transfer of the reserve funds between the reserve accounts, which improves the accuracy of the reserve funds allocation among multiple reserve accounts, and realizes the combination of the reserve funds in the available reserve accounts The average value is used for the transfer or transfer of the reserve, so that the transfer or transfer can be combined with the actual operation of the reserve account, making the transfer or transfer more reasonable, with better applicability, and in line with actual applications Scene requirements. Reduce the calculation complexity of the allocation algorithm and improve the allocation effect.

Fig. 4 is a schematic diagram of the structure of a reserve fund allocation device proposed in an embodiment of the present application.

Applied in the clearing platform, in the clearing platform, for the target payment institution, multiple reserve accounts with different management levels are configured, and each reserve account stores the reserve funds of the target payment institution.

Referring to FIG. 4, the device 400 includes:

The first determination module 401 is used to determine the deviation information of the target reserve account, the deviation information describes the difference state of the available quotas between the target reserve accounts, the target reserve account is the reserve at the target management level Gold account

The allocation module 402 is used to allocate the reserve funds between the target reserve accounts according to the deviation information in combination with a preset strategy.

In some embodiments, the deviation information includes: deviation degree and deviation value, and the adjustment module 402 is specifically used for:

Determine whether the deviation degree and deviation value meet the preset conditions. If the preset conditions are met, the preset strategy is used to allocate the reserve funds between the target reserve accounts.

In some embodiments, the management level further includes: a centralized management platform level and a database management center level. The centralized management platform level is higher than the database management center level. The target management level is the database management center level. The allocation module 402 is also used for:

Combined with the preset strategy, the reserve funds between the target reserve accounts at the level of the database management center are allocated.

In some embodiments, referring to FIG. 5, the apparatus 400 further includes:

The second determining module 403 is used to determine the target value of the reserve fund of multiple target reserve fund accounts;

The judging module 404 is used to judge whether the available quota of each target reserve account is greater than the target value of the reserve;

The allocation module 402 is also used to allocate the provision funds between the target provision accounts according to the judgment result.

In some embodiments, the allocation module 402 is also used for:

When the available amount of the first reserve account in multiple target reserve accounts is greater than the target value of the reserve, transfer the reserve in the first reserve account to the reserve account at the centralized management platform level ；

When the available amount of the second reserve account in multiple target reserve accounts is less than the target value of the reserve, the reserve in the reserve account of the centralized management platform level is transferred to the second reserve Account.

In some embodiments, the allocation module 402 is also used for:

When there are multiple second reserve accounts, the reserve funds in the centralized management platform-level reserve accounts will be transferred to each second reserve account evenly.

It should be noted that the foregoing explanations of the embodiments of the provision allocation method in FIGS. 1 to 3 are also applicable to the provision allocation device, and the implementation principle is similar, and will not be repeated here.

The computer device may be a mobile phone, a tablet computer, etc.

6, the computer device 60 of this embodiment includes: a housing 601, a processor 602, a memory 603, a circuit board 604, and a power supply circuit 605. The circuit board 604 is arranged inside the space enclosed by the housing 601, and the processor 602, The memory 603 is arranged on the circuit board 604; the power supply circuit 605 is used to supply power to the various circuits or devices of the computer equipment 60; the memory 603 is used to store executable program codes; among them, the processor 602 reads the executable stored in the memory 03 Code to run the program corresponding to the executable program code for execution:

Determine the deviation information of the target reserve account, the deviation information, describe the difference status of the available quota between each target reserve account, the target reserve account is the reserve account at the target management level;

According to the deviation information, combined with the preset strategy, the reserve funds between the target reserve accounts are allocated.

It should be noted that the explanation of the embodiment of the reserve allocation method in the foregoing embodiments of FIGS. 1 to 3 is also applicable to the computer device 60 of this embodiment, and the implementation principle is similar, and will not be repeated here.

The computer device in this embodiment determines the deviation information of the target reserve account, where the deviation information is used to describe the difference state of the available quota between the target reserve accounts. The target reserve account is in the target management Hierarchical reserve accounts, and based on the deviation information, combined with preset strategies to allocate the reserve funds between the target reserve accounts, because it is combined with the difference status of the available quotas between the target reserve accounts. The uniform allocation of the reserve funds between the target reserve accounts is not limited to the number of connections between multiple target reserve accounts. Therefore, it can effectively reduce the reserve transfer between the reserve accounts The complexity of this makes the management of multiple reserve accounts more efficient and convenient, and improves the efficiency of reserve allocation among multiple reserve accounts.

In order to implement the above-mentioned embodiments, this application also proposes a non-transitory computer-readable storage medium. When the instructions in the storage medium are executed by the processor of the terminal, the terminal can execute a method for allocating funds for liquidation. In the platform, in the clearing platform, for the target payment institution, multiple reserve accounts with different management levels are configured, and the multiple reserve accounts store the reserve funds of the target payment institution. The methods include:

The non-transitory computer-readable storage medium in this embodiment determines the deviation information of the target reserve account, where the deviation information is used to describe the difference status of the available quotas between the target reserve accounts, and the target reserve account The account is a reserve account at the target management level, and according to the deviation information, combined with a preset strategy to allocate the reserve between the target reserve accounts, because it is combined with the available between the target reserve accounts The difference status of the quota, the unified allocation of the reserve funds between the target reserve accounts, will not be limited by the number of connections between multiple target reserve accounts, so it can effectively reduce the reserve accounts The complexity of the inter-preparation allocation makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

In order to realize the above-mentioned embodiments, this application also proposes a computer program product. When the instructions in the computer program product are executed by the processor, a method for allocating reserve funds is executed, which is applied to the clearing platform. The target payment institution is equipped with multiple reserve accounts of different management levels, and the multiple reserve accounts store the reserve funds of the target payment institution. The methods include:

The computer program product in this embodiment determines the deviation information of the target reserve account, where the deviation information is used to describe the difference state of the available quota between the target reserve accounts. The target reserve account is in the target The management-level reserve account, based on the deviation information, combined with the preset strategy to allocate the reserve between the target reserve accounts, because it is combined with the difference status of the available quotas between the target reserve accounts. The unified allocation of the reserve funds between the target reserve accounts is not limited to the number of connections between multiple target reserve accounts, so it can effectively reduce the reserve funds between the reserve accounts The complexity of the allocation makes the management of multiple provision accounts more efficient and convenient, and improves the efficiency of provision allocation among multiple provision accounts.

It should be noted that in the description of this application, the terms "first", "second", etc. are only used for descriptive purposes, and cannot be understood as indicating or implying relative importance. In addition, in the description of the present application, unless otherwise specified, "plurality" means two or more.

Any process or method description in the flowchart or described in other ways herein can be understood as a module, segment, or part of code that includes one or more executable instructions for implementing specific logical functions or steps of the process , And the scope of the preferred embodiments of the present application includes additional implementations, which may not be in the order shown or discussed, including performing functions in a substantially simultaneous manner or in reverse order according to the functions involved. This should It is understood by those skilled in the art to which the embodiments of this application belong.

It should be understood that each part of this application can be implemented by hardware, software, firmware, or a combination thereof. In the above embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if it is implemented by hardware, as in another embodiment, it can be implemented by any one or a combination of the following technologies known in the art: a logic gate circuit for implementing logic functions on data signals Discrete logic circuits, application-specific integrated circuits with suitable combinational logic gates, programmable gate array (PGA), field programmable gate array (FPGA), etc.

Those of ordinary skill in the art can understand that all or part of the steps carried in the method of the foregoing embodiments can be implemented by a program instructing relevant hardware to complete. The program can be stored in a computer-readable storage medium, and when the program is executed , Including one of the steps of the method embodiment or a combination thereof.

In addition, the functional units in the various embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units may be integrated into one module. The above-mentioned integrated modules can be implemented in the form of hardware or software functional modules. If the integrated module is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer readable storage medium.

The aforementioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

In the description of this specification, descriptions with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" etc. mean specific features described in conjunction with the embodiment or example , The structure, materials, or characteristics are included in at least one embodiment or example of the present application. In this specification, the schematic representation of the above-mentioned terms does not necessarily refer to the same embodiment or example. Moreover, the described specific features, structures, materials or characteristics may be combined in any one or more embodiments or examples in a suitable manner.

Although the embodiments of the present application have been shown and described above, it can be understood that the above-mentioned embodiments are exemplary and should not be construed as limiting the present application. A person of ordinary skill in the art can comment on the foregoing within the scope of the present application. The embodiment undergoes changes, modifications, substitutions and modifications.

Claims

A method for allocating a reserve fund is applied to a clearing platform. In the clearing platform, a target payment institution is configured with multiple reserve fund accounts of different management levels, and each of the reserve fund accounts stores the The reserve fund of the target payment institution is characterized in that the method includes the following steps:

Determine the deviation information of the target reserve account. The deviation information describes the difference status of the available quotas between the target reserve accounts. The target reserve account is a reserve account at the target management level ；

According to the deviation information, the reserve funds between the target reserve accounts are allocated in combination with a preset strategy.
The method of claim 1, wherein the deviation information includes a deviation degree and a deviation value, and the provision of the target payment institution to the target payment institution according to the deviation information in combination with a preset strategy The allocation of funds includes:

Determine whether the deviation degree and deviation value meet preset conditions;

If the preset conditions are met, the reserve funds between the target reserve accounts are allocated in combination with the preset strategy.
The provision allocation method according to any one of claims 1-2, wherein the management level further comprises: a centralized management platform level and a database management center level, and the centralized management platform level is higher than that of the database The management center level, the target management level is the database management center level, and the combination of preset strategies to allocate reserves between the target reserve accounts includes:

In combination with a preset strategy, the reserve funds between the target reserve accounts at the level of the database management center are allocated.
The provision allocation method according to any one of claims 1-3, characterized in that, in combination with a preset strategy, provision is allocated between the target provision accounts at the level of the database management center ,include:

Determine the target value of reserves for multiple target reserve accounts;

Determine whether the available quota of each target reserve account is greater than the target value of the reserve;

According to the result of the judgment, the reserve funds between the target reserve accounts are allocated.
The method for allocating reserves according to any one of claims 1 to 4, characterized in that, according to the result of the judgment, allocating the reserves between the target reserve accounts includes:

When the available amount of the first reserve account in the multiple target reserve accounts is greater than the target value of the reserve, transfer the reserve in the first reserve account to the centralized management platform Level of reserve account;

When the available amount of the second reserve account in the multiple target reserve accounts is less than the target value of the reserve, the reserve in the reserve account at the centralized management platform level is allocated To the second reserve fund account.
The method for allocating a reserve fund according to any one of claims 1-5, wherein the transfer of the reserve fund in the reserve fund account of the centralized management platform level to the second reserve fund account includes :

When the number of the second reserve accounts is multiple, the reserve funds in the reserve accounts of the centralized management platform level are transferred evenly to each of the second reserve accounts.
A provision allocation device is applied to a clearing platform. In the clearing platform, a target payment institution is configured with multiple provision accounts of different management levels, and each provision account stores the The reserve fund of the target payment institution is characterized in that the device comprises:

The first determining module is used to determine the deviation information of the target reserve account. The deviation information describes the difference state of the available quota among the target reserve accounts. The target reserve account is in the target Management level reserve account;

The allocation module is used to allocate the reserve funds between the target reserve accounts according to the deviation information and a preset strategy.
8. The reserve allocation device according to claim 7, wherein the deviation information includes a deviation degree and a deviation value, and the allocation module is specifically used for:

It is determined whether the deviation degree and the deviation value meet a preset condition, and if the preset condition is satisfied, the reserve funds between the target reserve accounts are allocated in combination with the preset strategy.
The provision allocation device according to any one of claims 7-8, wherein the management level further comprises: a centralized management platform level and a database management center level, and the centralized management platform level is higher than that of the database The management center level, the target management level is the database management center level, and the allocation module is also used for:

In combination with a preset strategy, the reserve funds between the target reserve accounts at the level of the database management center are allocated.
8. The reserve allocation device according to any one of claims 7-9, wherein the device further comprises:

The second determining module is used to determine the target value of the reserve fund of multiple target reserve fund accounts;

A judging module for judging whether the available quota of each target reserve account is greater than the target value of the reserve;

The allocation module is also used to allocate the reserve funds between the target reserve accounts according to the judgment result.
The provision allocation device according to any one of claims 7-10, wherein the allocation module is further used for:

When the available amount of the first reserve account in the multiple target reserve accounts is greater than the target value of the reserve, transfer the reserve in the first reserve account to the centralized management platform Level of reserve account;

When the available amount of the second reserve account in the multiple target reserve accounts is less than the target value of the reserve, the reserve in the reserve account at the centralized management platform level is allocated To the second reserve fund account.
The provision allocation device according to any one of claims 7-11, wherein the allocation module is further used for:

When the number of the second reserve accounts is multiple, the reserve funds in the reserve accounts of the centralized management platform level are transferred evenly to each of the second reserve accounts.
A non-transitory computer-readable storage medium with a computer program stored thereon, wherein the program is characterized in that when the program is executed by a processor, the method for allocating provisions according to any one of claims 1-6 is realized.
A computer program product, when the instructions in the computer program product are executed by a processor, execute a reserve allocation method, which is applied to a clearing platform, in which a target payment institution is configured with Multiple reserve accounts of different management levels, each of which stores the reserve funds of the target payment institution, and the method includes:

Determine the deviation information of the target reserve account. The deviation information describes the difference status of the available quotas between the target reserve accounts. The target reserve account is a reserve account at the target management level ；

According to the deviation information, the reserve funds between the target reserve accounts are allocated in combination with a preset strategy.
A computer device includes a housing, a processor, a memory, a circuit board, and a power supply circuit, wherein the circuit board is arranged inside a space enclosed by the housing, and the processor and the memory are arranged in the The circuit board; the power supply circuit is used to supply power to the various circuits or devices of the computer equipment; the memory is used to store executable program codes; the processor reads the executable programs stored in the memory Code to run the program corresponding to the executable program code for execution:

Determine the deviation information of the target reserve account. The deviation information describes the difference status of the available quotas between the target reserve accounts. The target reserve account is a reserve account at the target management level ；

According to the deviation information, the reserve funds between the target reserve accounts are allocated in combination with a preset strategy.