CN105590256A - Method for allocation of funds - Google Patents
Method for allocation of funds Download PDFInfo
- Publication number
- CN105590256A CN105590256A CN201510868104.9A CN201510868104A CN105590256A CN 105590256 A CN105590256 A CN 105590256A CN 201510868104 A CN201510868104 A CN 201510868104A CN 105590256 A CN105590256 A CN 105590256A
- Authority
- CN
- China
- Prior art keywords
- transferring
- volume
- fund
- amount
- time
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a method for allocation of funds. The method comprises the following steps: a) calculating the Nth allocation amount and the Nth transferring amount on the basis of residual allocation amount and revolving amount, and storing an allocation scheme; b) performing the step c) if the Nth transferring amount is larger than the revolving amount, and if the Nth transferring amount is not larger than the revolving amount, performing the step d); c) updating the residual allocation amount to allow the N to progressively increase 1, and returning back the step a) to go on execution; and d) executing each allocation according to the allocation scheme. The method for allocation of funds is able to realize allocation of relatively large funds with few funds prepared to pay and substantially save the cost for fund allocation providers, and is especially suitable for popularization and application in the industry which uses a micropayment system.
Description
Technical field
The present invention relates to a kind of method of allotted fund.
Background technology
From the side of transferring, (financial institution) has been called one between financial institution to reciever (financial institution) allotted fundPlant normality business. Small amount payment system is a kind of modern payment system of People's Bank of China's construction operation, and it is mainly locatedThe debit payment transaction that Li Tongcheng and strange land paper voucher are held back and small amount credit payment transaction, payment instruction Batch sending, it is poor to rollNet amount settlement fund, it can support the use of the multiple means of payment, takes for society provides the payment clearance of low cost, high trafficBusiness.
Small amount payment system is taked the mode of timing clearance, and the forwarding of business is asynchronous with the clearance of fund, forwards and paysInstruction rear, is to control liquidity risk at front, fund clearing, and small amount payment system is provided with the risk control machine of clean debit limitSystem. Therefore, by small amount payment system, trade company's capital account is drawn and paid off while calculating, need circle to deposit and be not less than the amount of transferringFund is for risk control.
And it is poor to utilize small amount payment system to roll the allocation of the funds, need first check earmark amount, and to earmark itOuter available funds is transferred, that is, must at least double provision in the time of the allocation of the funds deposit and draw with the circle for fund simultaneouslyPay off calculation. Return to fund until small amount payment system and cleared after notice, can deposit fund amount by release ring.
Along with the fast development of financial liquidating market, realize trade company's fund via small amount payment system and draw the fund amount of payingRapid growth, the provision financing gap that causes the side of transferring is large (often only having the revolving fund of fixing volume) on the side of transferring account,Provision fund and required earmark have even hundred times of phase difference decades of times, continue to provide according to the existing fund circle pattern of depositingGold is transferred more and more difficult, and this has seriously restricted the fast development of small amount payment business.
On the other hand, for the provision fund (revolving fund) with less completes allocation of the funds work, a stroke can be dialled and torn openBe divided into repeatedly and carry out, a small amount of fund of at every turn only transferring, thus reduce the fund amount that needs circle to deposit. But, transfer all at every turnNeed to pay certain service charge in the side of transferring, repeatedly transfer and must bring higher service charge cost, this makes allocation of the funds sideIn a dilemma.
Therefore, completing allocation of the funds work and reduction in the provision fund with less transfers and exists between service charge costContradiction. Obtaining the balance between the two, is the target that those skilled in the art strive for.
Summary of the invention
The object of the present invention is to provide a kind of allocation of the funds method, it completes the allocation of the funds in the provision fund with lessWhen work, the service charge that makes to transfer is minimum.
For achieving the above object, the invention provides a kind of technical scheme as follows:
A method for allotted fund, wherein, carries out while transferring and need to enclose and deposit corresponding earmark, earmark with wait to transferFund has substantially identical amount, and method comprises the steps: a), calculate the based on transfer volume and the revolving fund amount of money of residueTransfer for N time volume and the N time circle deposited volume, deposits in the scheme of transferring; Wherein N is more than or equal to 1 integer, and, in the time that N is 1,Remain the volume of transferring and equal to treat allotted fund total value; If b) the N time circle deposited volume and be greater than the revolving fund amount of money, perform step c); No, execution step d); C), upgrade transfer volume make N increase progressively 1 of residue, get back to step and a) continue execution; D), according to the scheme of transferring,Carrying out successively each time transfers.
Preferably, the N time circle deposited volume equal to transfer for the N time volume and small amount excess reserve amount of money sum.
Preferably, step a) specifically comprises: to remain the volume of transferring and revolving fund amount of money sum is multiplied by the ratio of appraising and deciding as NThe inferior volume of transferring.
Preferably, the ratio of appraising and deciding is calculated according to following mode:, make to wait to transfer be fixing in the situation that at the revolving fund amount of moneyThe fund required number of times minimum of transferring of all having transferred.
The allocation of the funds method that various embodiments of the present invention provide, realizes wholesale relatively with less provision fundTransferring of fund, meanwhile, for allocation of the funds side significantly provides cost savings, is particularly suitable for using pushing away in the industry of small amount payment systemWide application.
Brief description of the drawings
Fig. 1 illustrates the schematic flow sheet of the method for a kind of allotted fund that one embodiment of the invention provides.
Detailed description of the invention
It should be noted that, according to various embodiments of the present invention, the upper revolving fund that conventionally only has fixing volume of the side of transferring account,For example, proceed to after the side of transferring account in circulation fund (fund that card user pays in merchant transaction), the side of transferring can be to moneyGold reciever is initiated money transfer request.
The allocation of the funds adopts small amount payment system to carry out, and small amount payment system is taked the mode of timing clearance, the turning of businessSend out asynchronous with the clearance of fund, that is, and forward payment instruction at front, fund clearing rear. A certain amount of user of the side's of transferring accumulationAfter payment instruction, more periodically initiate money transfer request one time.
Carry out when the allocation of the funds and need to enclose and deposit corresponding earmark, earmark is with to treat that allotted fund has cardinal principle identicalAmount.
When the revolving fund on the side of transferring account be not enough to treat allotted fund in full, when disposable transferring, thisBright each embodiment provides the mode of transferring in batches.
As shown in Figure 1, one embodiment of the invention provides a kind of method of allotted fund, and it comprises following each step:
Step S10, calculate transfer for the N time volume and the N time circle and deposit volume based on transfer volume and the revolving fund amount of money of residue, deposit in and drawIn the scheme of dialling.
Wherein, N is more than or equal to 1 integer, and in the time that N is 1, that is, in the time that volume is transferred in calculating first, residue is transferredVolume equals to treat allotted fund total value.
The volume of transferring for the N time is illustrated in while carrying out transferring for the N time, prepares the allotted fund amount of carrying out. The N time circle is deposited volume tableBe shown in while carrying out transferring for the N time the fund amount that needs circle to deposit. Conventionally, to deposit volume large with the corresponding volume of transferring for the N time for the N time circleBody is suitable.
Revolving fund R saves on the side of transferring account, is generally Flat Amount, and it can be used as the required provision money of allotted fundGold.
The scheme of transferring is at the square one-tenth of the allocation of the funds, and managed by allocation of the funds square tube, and its record is transferred each in process in batchesThe inferior respectively corresponding information of transferring, comprises that transfer volume, this circle of this time deposit volume, the residue information such as volume of transferring. The scheme of transferring can be realBe now concrete data structure or array, store and manage by the side of transferring.
Step S20, judge that the N time circle deposit volume and whether be greater than the revolving fund amount of money, if so, perform step S30; Otherwise, holdRow step S40.
Particularly, in this step, judge that the N time circle deposit volume and whether be greater than the revolving fund amount of money, if so, represent turnoverGold R is also not enough to provision and transfers to remaining the disposable of volume of transferring, and now also needs to continue to carry out the process of transferring in batches, because ofAnd selection execution step S30; If not, represent that revolving fund R has been enough to provision and has transferred to remaining the disposable of volume of transferring, nowNeedn't carry out again the process of transferring in batches for saving the service charge of transferring, thereby select execution step S40.
Step S30, renewal remain the volume of transferring and make N increase progressively 1, get back to step step S10 and continue to carry out.
Particularly, with treat allotted fund total value deduct calculated, for the first time until the volume sum of transferring for the N time beThe current residue volume of transferring, it represents that next allocation of the funds side also needs the fund amount of transferring to fund reciever.
Subsequently, make N increase progressively 1, continue to carry out abovementioned steps S10.
Step S40, according to the scheme of transferring, carry out successively each time and transfer.
Particularly, carry out this step S40 and represent transferring and complete as calculated in batches, according to formed transferringScheme, carries out successively each time and transfers, and can realize object of the present invention.
In a kind of detailed description of the invention, above-mentioned steps S40 specifically comprises: to transferring, scheme is carried out manual intervention; And,According to the scheme of transferring, carry out successively each time and transfer. Wherein, manual intervention can be adjusted the volume of transferring each time, and the present invention is carriedThe allotted fund method of confession adapts to various specific occasions.
In another kind of detailed description of the invention, above-mentioned steps S40 specifically comprises:
1,, according to the scheme of transferring of formulating, the structure information in array (storage transfer scheme) of reading successively is in order (everyInferior transferring is formed as a structure information), the circle in reading out structure body is deposited volume, the information such as volume of transferring.
2, check and whether have not return information message of allocation of the funds instruction, there is no the not situation of return information messageUnder, deposit the volume earmark of resetting according to the circle of nearest calculating.
3, load the information such as bank of deposit of trade company, account number, form message together with the array of said structure body information, submission is transferredInstruction is to small amount payment system. According to the instruction message returning, draw and pay resubmiting and draw pair instruction unsuccessfully, stroke pay successfully afterCarry out earmark release, and check whether draw a pair play finishes. If still have untreated structure information in array, continueThe continuous execution process of transferring.
4, after in array, the information processing of entire infrastructure body completes, whole money transfer process finishes.
It will be appreciated by those skilled in the art that it is to deposit volume in order to ensure corresponding circle to be a bit larger tham the volume of transferring that small amount excess reserve is set.Therefore, further, in the specific implementation of this embodiment, can make the N time circle deposit volume and equal transfer for the N time volume and small amountExcess reserve amount of money r sum.
Further, be multiplied by and appraise and decide ratio X as the N time volume of transferring to remain the volume of transferring and revolving fund amount of money sum.
According to another embodiment of the present invention, appraising and deciding ratio X calculates according to following mode: be fixing at revolving fund amount of money RSituation under, make to treat the allotted fund required number of times minimum of transferring of all having transferred. It will be appreciated by those skilled in the art that eachTransfer and need to pay certain service charge of transferring, therefore, make to treat that allotted fund has all been transferred required transfers number of timesThe little service charge minimum of transferring that represents that allocation of the funds side pays.
In concrete computational process, appraise and decide ratio X and fix a number for waiting, list the number of times of transferring (or the service charge of transferring) about appraising and decidingThe equation of ratio X, can calculate and appraise and decide ratio X according to best approximatioss, least square method and other optimization algorithms.
According to above-mentioned account form, conventionally, the ratio of appraising and deciding is the best between 0.4 to 0.6.
According to still another embodiment of the invention, get residue transfer volume with appraise and decide the long-pending and revolving fund amount of money R of ratio Y withAppraise and decide ratio 1-Y long-pending, using two sum of products as the N time volume of transferring.
In concrete computational process, appraise and decide ratio Y and fix a number for waiting, list the number of times of transferring (or the service charge of transferring) about appraising and decidingThe equation of ratio Y, can calculate and appraise and decide ratio Y according to best approximatioss, least square method and other optimization algorithms.
According to various embodiments of the present invention, carrying out transfers for the N time comprises by allocation of the funds direction fund reciever transmission dataBag, packet at least comprises following message: package identification information; This volume of transferring; This circle is deposited volume; And residue is transferredVolume.
Subsequently, after fund reciever is confirmed this packet, can draw by concrete the execution this time of small amount payment systemDial.
The method of the allotted fund that the various embodiments described above of the present invention provide, has solved allocation of the funds side's provision fund on the one handWhat (revolving fund) was not enough is poverty-stricken, realizes transferring of fund to wholesale relatively with less provision fund (revolving fund), anotherOn the one hand, make the service charge of allocation of the funds side's least cost amount. This multiple batches of method of transferring is that allocation of the funds side significantly savesEconomized cost, and the method to realize cost low, be particularly suitable for using applying in the industry of small amount payment system.
Above-mentioned explanation is only directed to the preferred embodiments of the present invention, and does not lie in and limit the scope of the invention. AbilityField technique personnel can make various deformation designs, and do not depart from thought of the present invention and subsidiary claim.
Claims (7)
1. a method for allotted fund, wherein, carries out while transferring and need to enclose and deposit corresponding earmark, described earmark withTreat that allotted fund has substantially identical amount, described method comprises the steps:
A), calculate transfer for the N time volume and the N time circle and deposit volume based on transfer volume and the revolving fund amount of money of residue, deposit the side of transferring inIn case; Wherein N is more than or equal to 1 integer, and in the time that N is 1, the described residue volume of transferring equals to treat allotted fund total value;
If b) described the N time circle deposited volume and be greater than the described revolving fund amount of money, perform step c); Otherwise execution step d);
C), upgrade transfer volume make described N increase progressively 1 of described residue, get back to described step and a) continue to carry out;
D), according to the described scheme of transferring, carry out successively each time and transfer.
2. method according to claim 1, is characterized in that, described the N time circle deposit volume equal described transfer for the N time volume andSmall amount excess reserve amount of money sum.
3. method according to claim 1, is characterized in that, described step a) specifically comprises: with the described residue volume of transferringBe multiplied by the ratio of appraising and deciding as the described the N time volume of transferring with described revolving fund amount of money sum.
4. method according to claim 3, is characterized in that, described in appraise and decide ratio and calculate according to following mode: describedThe revolving fund amount of money is in fixing situation, treats the allotted fund required number of times minimum of transferring of all having transferred described in making.
5. method according to claim 3, is characterized in that, described in appraise and decide ratio between 0.4 to 0.6.
6. method according to claim 1, is characterized in that, carrying out transfers for the N time comprises by described in the described direction of transferringReciever transmits packet, and described packet comprises following message:
Package identification information;
This volume of transferring;
This circle is deposited volume; And
Remain the volume of transferring.
7. according to the method described in any one in claim 1 to 6, it is characterized in that described steps d) specifically comprise:
The described scheme of transferring is carried out to manual intervention;
According to the described scheme of transferring, carry out successively each time and transfer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510868104.9A CN105590256A (en) | 2015-12-02 | 2015-12-02 | Method for allocation of funds |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510868104.9A CN105590256A (en) | 2015-12-02 | 2015-12-02 | Method for allocation of funds |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105590256A true CN105590256A (en) | 2016-05-18 |
Family
ID=55929819
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510868104.9A Pending CN105590256A (en) | 2015-12-02 | 2015-12-02 | Method for allocation of funds |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105590256A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108256996A (en) * | 2018-02-13 | 2018-07-06 | 平安科技（深圳）有限公司 | For the single method and system of two partition in credit repaying business |
| CN114693436A (en) * | 2022-05-30 | 2022-07-01 | 云账户技术(天津)有限公司 | Position fund transfer management system, method and network equipment |
-
2015
- 2015-12-02 CN CN201510868104.9A patent/CN105590256A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108256996A (en) * | 2018-02-13 | 2018-07-06 | 平安科技（深圳）有限公司 | For the single method and system of two partition in credit repaying business |
| CN114693436A (en) * | 2022-05-30 | 2022-07-01 | 云账户技术(天津)有限公司 | Position fund transfer management system, method and network equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102521742B (en) | Communication method for realizing instant settlement of trade company, consumer and distributor based on bankcard system | |
| US20150254768A1 (en) | Methods and systems for lending money | |
| CN103366306A (en) | Shared capital data processing device and use method thereof | |
| CN105469297A (en) | Fund processing method for electronic commerce system and fund processing system for electronic commerce system | |
| CN107358524B (en) | Method for leveling funds among multiple account management lines in same currency | |
| CN105913272A (en) | System and method for processing vouchers | |
| CN105590256A (en) | Method for allocation of funds | |
| CN111026769B (en) | Working method of dual-core front-end system and related equipment thereof | |
| CN101950402A (en) | Method and system for realizing two accounts of one bank card | |
| CN1679057A (en) | Methods and systems for effecting payment card transactions | |
| WO2009117280A2 (en) | Multi-national gift card settlement | |
| CN104715412A (en) | Method and device for automatic bill allocation | |
| CN103870992A (en) | Cross-border multi-currency data processing system and method | |
| JP5848745B2 (en) | New payment scheme for supply chain | |
| CN113592473A (en) | Inter-bank fund clearing processing method and device | |
| CN103312662A (en) | Data transmitting and processing method and device | |
| JP2018503176A (en) | Data service processing | |
| CN110288478A (en) | For the transaction data processing method and its equipment of payment mechanism | |
| CN110084692A (en) | A kind of bookkeeping methods and device | |
| CN112967047B (en) | Settlement method, device, apparatus, storage medium, and program product | |
| KR100725465B1 (en) | Foreign currency deposit system being capable of multiple fixed foreign currency deposit | |
| CN108717622A (en) | Loaning bill refund treating method and apparatus | |
| JP6983283B1 (en) | Payment management system and payment management method | |
| CN202126706U (en) | System for solving hot account of bank agent product transaction | |
| JP2004220554A (en) | Credit management system, computer program, recording medium and credit management method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160518 |
|
| RJ01 | Rejection of invention patent application after publication |