CN106779651A - Cash pooling is collected sets aside method and system - Google Patents
Cash pooling is collected sets aside method and system Download PDFInfo
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- CN106779651A CN106779651A CN201611226604.3A CN201611226604A CN106779651A CN 106779651 A CN106779651 A CN 106779651A CN 201611226604 A CN201611226604 A CN 201611226604A CN 106779651 A CN106779651 A CN 106779651A
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
A kind of cash pooling provided in an embodiment of the present invention is collected sets aside method and system, by User Defined account relational tree and the terms of trade of response can be set, when terms of trade are met, then system of the invention can judge whether type of transaction matches with account relationship between superior and subordinate automatically according to account relational tree, be traded automatically in matching.It can be seen that, the present invention realizes the automated transaction of fund between account in cash pooling, is manually operated before transaction every time without user, meets the need for carrying out buckets of cash pool service in the short time.
Description
Technical field
The present invention relates to cash pooling technical field, more particularly to cash pooling is collected and sets aside method and system.
Background technology
Cash pooling (Cash Pooling) is also referred to as the total storehouse of cash.It is earliest the capital company by trans-corporation and International Banks
The fund management model jointly developed, with the global fund of Unified transfers group, reduces the net head that group holds to greatest extent
It is very little.Cash pooling business include member enterprise's account in fund to the account of general headquarters of group collected and general headquarters of group account in
Fund is set aside etc. to member enterprise's account.
Existing cash pooling is collected in setting aside the fund in certain account manually usually being gone into another account, more numerous
It is trivial.Existing each transaction is both needed to the need for the manually scheme that carries out cannot meet and carry out buckets of cash pool service in the short time.
The content of the invention
The purpose of the embodiment of the present invention is to provide a kind of cash pooling and collect to set aside method and system, to meet in the short time
The need for carrying out buckets of cash pool service.Concrete technical scheme is as follows：
A kind of cash pooling collects the system of setting aside, including：Interactive unit, memory cell, collect unit, set aside unit and control
Unit,
The interactive unit, for setting up the account relational tree of each account in cash pooling according to user's operation and storing in institute
In stating memory cell, and for according to user's operation in the account relational tree addition of at least one account collect mark or
Set aside mark；
The memory cell, for storing account relational tree and the account relational tree in account collect mark and set aside
Mark；
Described control unit, type of transaction, the transaction are determined for the account relational tree in the memory cell
Type is to collect or set aside；The remaining sum of target account in the account relational tree is inquired about, when the type of transaction is to collect, is sentenced
Break the remaining sum whether meet it is default collect condition, if it is satisfied, then triggering described in collect unit；It is in the type of transaction
When setting aside, unit is set aside described in triggering；
It is described to collect unit, for judging the trading object account that described control unit determines according to the account relational tree
Whether it is the superior account of the target account, if it is, the part or all of fund in the target account is gone into transaction
Object account；
It is described to set aside unit, for judging the trading object account that described control unit determines according to the account relational tree
Whether it is subordinate's account of the target account, if it is, the part or all of fund in the target account is gone into transaction
Object account.
Optionally, the interactive unit is additionally operable to：After the account relational tree of each account in setting up cash pooling, to user's exhibition
Show the account relational tree and show at least one turnover determination mode, set up the turnover determination mode and use of user's selection
Corresponding relation between the account of family selection；
The memory cell, is additionally operable to store right between the turnover determination mode and account that the interactive unit sets up
Should be related to；
Described control unit, for the type of transaction for set aside when, judge the remaining sum whether meet it is default under
The condition of dialling, if it is satisfied, setting aside unit described in triggering again；
It is described to collect unit, for judging the trading object account that described control unit determines according to the account relational tree
Whether be the target account superior account, if it is, according in the memory cell preserve with the target account
Corresponding turnover determination mode determine turnover and by the fund of the turnover of determination from the target account go to transaction it is right
As account；
It is described to set aside unit, for judging the trading object account that described control unit determines according to the account relational tree
Whether be the target account subordinate's account, if it is, according in the memory cell preserve with the target account
Corresponding turnover determination mode determine turnover and by the fund of the turnover of determination from the target account go to transaction it is right
As account.
Optionally, be stored with transaction task queue in the memory cell, and each transaction is appointed in the transaction task queue
Business carries time marking；
Described control unit, for performing transaction task corresponding with the time marking that current time matches, according to institute
The transaction task that need to be performed determines target account；Account relational tree in the memory cell determines type of transaction, described
Type of transaction is to collect or set aside；The remaining sum of target account in the account relational tree is inquired about, is to collect in the type of transaction
When, judge the remaining sum whether meet it is default collect condition, if it is satisfied, then triggering described in collect unit；In the transaction
Type for when setting aside, judge the remaining sum whether meet it is default set aside condition, trigger described in set aside unit.
Optionally, the interactive unit is additionally operable to：The account relational tree and multi-exchange time set up to user's displaying are true
Determine mode, the target account of the exchange hour determination mode selected according to user and user's selection, trading object account are newly established diplomatic relations
Easy task simultaneously adds transaction task queue；Newly-built transaction task is determined according to the exchange hour determination mode that user selects
The execution time and will determine perform the time as time marking and the binding of newly-built transaction task.
Optionally, the memory cell, is additionally operable to：Storage is described to be collected unit and described sets aside product in unit implementation procedure
Raw transaction data.
A kind of cash pooling collects lower dialing method, is applied to cash pooling and collects the system of setting aside, and methods described includes：
The account relational tree of each account in cash pooling is set up according to user's operation, is the account relation according to user's operation
The addition of at least one account collects mark or sets aside mark in tree；Account in storage account relational tree and the account relational tree
Collect mark and set aside mark；
Type of transaction is determined according to the account relational tree, the type of transaction is to collect or set aside；Inquire about the account
The remaining sum of target account in relational tree, when the type of transaction is to collect, judges whether the remaining sum meets default collecting
Condition, if it is satisfied, then judging whether the trading object account for determining is the target account according to the account relational tree
Superior account, if it is, the part or all of fund in the target account is gone into trading object account；In the transaction class
Type for set aside when, according to the account relational tree judge determination trading object account whether be the target account subordinate's account
Family, if it is, the part or all of fund in the target account is gone into trading object account.
Optionally, after the account relational tree of each account in setting up cash pooling, methods described also includes：
Show the account relational tree to user and show at least one turnover determination mode, set up the friendship of user's selection
Corresponding relation between easy volume determination mode and the account of user's selection；Store the turnover determination side that the interactive unit is set up
Corresponding relation between formula and account；
When the type of transaction is to set aside, the part or all of fund in the target account is gone into trading object account
Before family, first judge the remaining sum whether meet it is default set aside condition, if it is satisfied, again by the part in the target account or
Whole funds go to trading object account；
The part or all of fund by the target account goes to trading object account, including：
Turnover determination mode corresponding with the target account according to preserving determines turnover and the transaction that will be determined
The fund of volume goes to trading object account from the target account.
Optionally, the cash pooling is collected and be stored with the system of setting aside transaction task queue, in the transaction task queue
Each transaction task carries time marking；
Before the account relational tree in the memory cell determines type of transaction, methods described also includes:Perform
Transaction task corresponding with the time marking that current time matches, the transaction task according to required execution determines target account.
Optionally, methods described also includes：
To user displaying set up account relational tree and multi-exchange time determination mode, according to user select transaction when
Between determination mode and user selection target account, the newly-built transaction task of trading object account and add transaction task queue in；
According to user select exchange hour determination mode determine newly-built transaction task the execution time and by determination
The execution time binds as time marking with newly-built transaction task.
Optionally, also include：
Store the friendship produced during the part or all of fund in the target account is gone into trading object account
Easy data.
A kind of cash pooling provided in an embodiment of the present invention is collected sets aside method and system, can be closed by User Defined account
System sets and sets the terms of trade of response, and when terms of trade are met, then system of the invention can be automatically according to account relation
Tree judges whether type of transaction matches with account relationship between superior and subordinate, is traded automatically in matching.It can be seen that, the present invention is realized
In cash pooling between account fund automated transaction, without user every time transaction before manually operated, meet the short time
The need for inside carrying out buckets of cash pool service.
Certainly, implementing any product of the invention or method must be not necessarily required to while reaching all the above excellent
Point.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is the structural representation that a kind of cash pooling provided in an embodiment of the present invention collects the system of setting aside；
Fig. 2 is a kind of account relational tree schematic diagram provided in an embodiment of the present invention；
Fig. 3 is a kind of Monetary paths tree schematic diagram provided in an embodiment of the present invention；
Fig. 4 is the flow chart that a kind of cash pooling provided in an embodiment of the present invention collects lower dialing method；
Fig. 5 is the flow chart that another cash pooling provided in an embodiment of the present invention collects lower dialing method；
Fig. 6 is the flow chart that another cash pooling provided in an embodiment of the present invention collects lower dialing method.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
As shown in figure 1, a kind of cash pooling provided in an embodiment of the present invention collects the system of setting aside, can include：Interactive unit
001st, memory cell 002, collect unit 004, set aside unit 005 and control unit 003,
The interactive unit 001, for setting up the account relational tree of each account in cash pooling according to user's operation and storing
In the memory cell, and for being operated as the addition of at least one account collects mark in the account relational tree according to user
Know or set aside mark；
Interactive unit 001 can cause that user passes through the present invention and sets up the account relational tree of oneself, specifically, the account closes
System's tree only one of which root node.
The memory cell 002, for storing account relational tree and the account relational tree in account collect mark and
Set aside mark；
Described control unit 003, type of transaction, the friendship are determined for the account relational tree in the memory cell
Easy type is to collect or set aside；The remaining sum of target account in the account relational tree is inquired about, when the type of transaction is to collect,
Judge the remaining sum whether meet it is default collect condition, if it is satisfied, then triggering described in collect unit 004；In the transaction
Type sets aside unit 005 described in when setting aside, triggering；
It is described to collect unit 004, for judging the trading object that described control unit determines according to the account relational tree
Whether account is the superior account of the target account, if it is, the part or all of fund in the target account is gone to
Trading object account；
It is described to set aside unit 005, for judging the trading object that described control unit determines according to the account relational tree
Whether account is subordinate's account of the target account, if it is, the part or all of fund in the target account is gone to
Trading object account.
Wherein, the above-mentioned default condition that collects can be not less than preset value for remaining sum.For example：When remaining sum exceedes in certain account
At 100 yuan, then in the department in the account or whole fund being gone into upper level account.
A kind of cash pooling provided in an embodiment of the present invention collects the system of setting aside, can be by User Defined account relational tree simultaneously
The terms of trade of response are set, and when terms of trade are met, then system of the invention can judge automatically according to account relational tree
Whether type of transaction matches with account relationship between superior and subordinate, is traded automatically in matching.It can be seen that, the present invention realizes cash pooling
The automated transaction of fund between middle account, is manually operated without user before transaction every time, and meeting in the short time is carried out
The need for buckets of cash pool service.
In an alternative embodiment of the invention, interactive unit 001 can be also used for：The account of each account in cash pooling is set up
After relational tree, show the account relational tree to user and show at least one turnover determination mode, set up user's selection
Corresponding relation between turnover determination mode and the account of user's selection；
The memory cell 002, is additionally operable to store between the turnover determination mode and account that the interactive unit sets up
Corresponding relation；
Described control unit 003, for when the type of transaction is to set aside, judging whether the remaining sum meets default
Condition is set aside, if it is satisfied, setting aside unit 005 described in triggering again；
It is described to collect unit 004, for judging the trading object that described control unit determines according to the account relational tree
Account whether be the target account superior account, if it is, according in the memory cell preserve with the target
The corresponding turnover determination mode of account determines turnover and the fund of the turnover of determination is gone into friendship from the target account
Easy object account；
It is described to set aside unit 005, for judging the trading object that described control unit determines according to the account relational tree
Account whether be the target account subordinate's account, if it is, according in the memory cell preserve with the target
The corresponding turnover determination mode of account determines turnover and the fund of the turnover of determination is gone into friendship from the target account
Easy object account.
Turnover during due to concluding the business every time may be different, therefore interactive unit 001 can be realized being selected to conclude the business by user
Volume determination mode, the turnover determination mode that will so be selected according to user in transaction automatically determines turnover and is handed over
Easily.
Wherein, it is above-mentioned it is default set aside condition and can have various, such as remaining sum exceedes preset value.
Certainly, in other embodiments of the present invention, when the type of transaction is to set aside, described control unit 003 also may be used
With without judge the remaining sum of target account whether meet it is default set aside condition, and the remaining sum in trading object account is sentenced
It is disconnected, judge whether it meets and default set aside condition.For example：Trading object account is the A accounts of subordinate, and A account balances are 50
Unit, terms of trade are that A account balances are less than 70 yuan, then during fund will be gone to the A accounts of subordinate by target account.
Specifically, turnover determination mode has various, be provided below it is wherein several, by turnover determination mode for the sake of aspect
Explanation is combined together with the condition that collects, the condition of setting aside：
Type of transaction is when collecting, if superior account of the trading object account for target account：
(1), " zero remaining sum " mode
The terms of trade for collecting are：The remaining sum of target account is not less than 0；Turnover determination mode is target account remaining sum
All.For example：The remaining sum of target account is 100 yuan, then its whole is collected into trading object account.
(2), " target remaining sum " mode
The terms of trade for collecting are：The remaining sum of target account is more than preset value；Turnover determination mode is target account
Remaining sum subtracts preset value.For example：The remaining sum of target account is 100 yuan, and preset value is 70 yuan, then target account collects 30 yuan
Trading object account.
(3) " ratio " mode
The terms of trade for collecting are：The remaining sum of target account is more than 0；Turnover determination mode multiplies for the remaining sum of target account
With preset ratio.For example：The remaining sum of target account is 100 yuan, and preset ratio is 30%, then target account collects friendship by 30 yuan
Easy object account.
(4) mode " is rounded "
The terms of trade for collecting are：The remaining sum of target account is more than preset value；Turnover determination mode is target account
Remaining sum is worth to remainder divided by default, allows remaining sum to subtract remainder and obtains turnover.For example：The remaining sum of target account is 100 yuan, in advance
If value is 30 yuan, then 100 yuan is 10 yuan divided by 30 yuan of remainders, and 10 yuan are subtracted for 90 yuan by 100 yuan, and target account collects 90 yuan
To trading object account.
(5) " Flat Amount " mode
The terms of trade for collecting are：The remaining sum of target account is more than preset value；Turnover determination mode is that preset value is true
It is set to turnover.For example：The remaining sum of target account is 100 yuan, and preset value is 10 yuan, then target account collects transaction by 10 yuan
Object account.
(6) " total value remaining sum ratio " mode
The terms of trade for collecting are：The remaining sum of target account is more than 0；Turnover determination mode is：If target account remaining sum
It is A, the remaining sum summation of the corresponding account of all child nodes of the father node of target account is B, need to altogether be collected from each child node
Number is C, then the turnover that target account need to be collected is：A*(C/B).For example：A is 100 yuan, and B is 1000 yuan, and C is 900 yuan,
Then target account collects trading object account by 90 yuan.
(7) " total value is average " mode
The terms of trade for collecting are：The remaining sum of target account is more than (need to altogether collect number/target account from each child node
Father node the corresponding account of all child nodes number)；Turnover determination mode is：If target account remaining sum is A, target
The number of the corresponding account of all child nodes of the father node of account is B, number need to be altogether collected from each child node for C, then mesh
The mark turnover that need to collect of account is：C/B.For example：A is 100 yuan, and B is 10, and C is 900 yuan, then target account returns 90 yuan
Collect trading object account.
Type of transaction is when setting aside, if subordinate account of the trading object account for target account：
(1), " zero remaining sum " mode
The terms of trade set aside are：The remaining sum of trading object account is not higher than 0；Turnover determination mode is trading object account
The absolute value of the remaining sum at family.For example：The remaining sum of trading object account is -100 yuan, then target account will set aside 100 yuan to transaction
Object account.
(2), " target remaining sum " mode
The terms of trade set aside are：The remaining sum of trading object account is less than preset value；Turnover determination mode is preset value
Subtract the remaining sum of trading object account.For example：The remaining sum of trading object account is 70 yuan, and preset value is 100 yuan, then target account
30 yuan to trading object account will be set aside.
(3) " compensation " mode
The terms of trade set aside are：When trading object account balance is less than or equal to 0, turnover determination mode is right for transaction
As the absolute value of account balance adds preset value；When trading object account balance is more than 0, turnover determination mode is right for transaction
As account balance is worth to remainder divided by default, allows preset value to subtract remainder and obtain turnover.For example：Trading object account it is remaining
Volume is -100 yuan, and preset value is 30 yuan, then target account will push trading object account under 130 yuan；Trading object account balance
It it is 11 yuan, preset value is 30 yuan, then 11 yuan is 11 yuan divided by 30 yuan of remainders, it is 19 yuan to subtract 11 yuan by 30 yuan, and target account will
Trading object account is pushed under 19 yuan.
(4) " Flat Amount " mode
The terms of trade set aside are：The remaining sum of target account is more than preset value；Turnover determination mode is that preset value is true
It is set to turnover.For example：The remaining sum of target account is 100 yuan, and preset value is 10 yuan, then target account will push transaction under 10 yuan
Object account.
(5) mode " is set aside " in upper receipts ratio
The terms of trade set aside are：The remaining sum of target account is more than need to altogether set aside number to each child node；Turnover determines
Mode is：If target account remaining sum is A, collect ratio of certain trading object account in " total value remaining sum ratio " collects mode is
B, target account need to altogether set aside number for C to each child node, then the turnover that target account will be set aside to the trading object account
For：B*C.For example：A is 1000 yuan, and B is that 10%, C is 900 yuan, then target account will push trading object account under 90 yuan.
(6) " total value is average " mode
The terms of trade set aside are：The remaining sum of target account is more than need to altogether set aside number to each child node；Turnover determines
Mode is：If target account remaining sum is A, the number of the corresponding account of all child nodes of target account is B, need to be to each child node
Number is set aside altogether for C, then the turnover set aside to each trading object account is by target account：C/B.For example：A is 1000
Unit, B is 10, and C is 900 yuan, then to each trading object account：Target account will push the trading object account under 90 yuan
Family.
In an alternative embodiment of the invention, be stored with transaction task queue in the memory cell 002, the transaction task
Each transaction task carries time marking in queue；
Described control unit 003, for performing transaction task corresponding with the time marking that current time matches, according to
The transaction task of required execution determines target account；Account relational tree in the memory cell determines type of transaction, institute
Type of transaction is stated to collect or setting aside；The remaining sum of target account in the account relational tree is inquired about, is to return in the type of transaction
During collection, judge the remaining sum whether meet it is default collect condition, if it is satisfied, then triggering described in collect unit 004；Described
Type of transaction for when setting aside, judge the remaining sum whether meet it is default set aside condition, trigger described in set aside unit 005.
The setting that the embodiment passes through time marking so that control unit can perform task automatically when reaching the time.
Further, the interactive unit 001 is additionally operable to：The account relational tree set up to user's displaying and multi-exchange time
The target account of determination mode, the exchange hour determination mode selected according to user and user's selection, trading object account are newly-built
Transaction task and add transaction task queue in；Newly-built transaction task is determined according to the exchange hour determination mode that user selects
Perform the time and will determine perform the time as time marking and the binding of newly-built transaction task.
Wherein, exchange hour determination mode has various, such as：In real time, three kinds of modes of timing and cycle.Wherein real-time mode is
Refer to user need not the given transaction time, task implemented immediately, and the time marking for now setting is in real time.Timing mode refers to use
The family given transaction time, it is traded in exchange hour, is only concluded the business once.Periodic mode includes day, week, the moon, the end of month, ten days, this was several
The mode of kind, if selection day, then it represents that within a customized time cycle, may be selected to be concluded the business once per several days；If choosing
Select week, then it represents that within a customized time cycle, which day transaction once and weekly per a few week transaction may be selected；
If the selection moon, then it represents that within a customized time cycle, which transaction in may be selected 1 year and monthly the moon
The transaction of which day；If selection the end of month, then it represents that within a customized time cycle, may be selected 1 year in which
The end of month transaction of the moon；If selection ten days, then it represents that within a customized time cycle, every month is traded by ten days.
Wherein it is possible to by user show it is various allot path come for user select, when user selection accordingly allot road
During footpath, namely have selected the trading object account that path determination is alloted according to this.It is provided below and several allots path：It is square step by step
Formula, top mode, self-defined mode, one-to-one mode.
Top mode：The corresponding account of all descendant nodes of target account is defined as trading object account, will be each
Trading object account directly carries out funds transfer with the target account.Account relational tree for example shown in Fig. 2, such as target account are A,
Then each account of B, C, D, E, F is directly traded with A accounts.If target account is C, then E, F are directly handed over C accounts
Easily.
Mode step by step：The corresponding account of all descendant nodes of target account is defined as trading object account, it is each to hand over
Easy object account carries out funds transfer step by step with the target account.Account relational tree for example shown in Fig. 2, such as target account are A, then
When collecting, fund in oneself account is first collected C by E, F, and fund in oneself account is collected A by C again, similarly, D elder generations oneself
Fund collects B in account, and fund in oneself account is collected A by B again.When setting aside, fund is set aside step by step from top to bottom, no
Repeat again.
Self-defined mode：Selected according to user, using the subtree of account relational tree as Monetary paths tree, according to Monetary paths
Tree to fund collect sets aside treatment, such as the account relational tree according to Fig. 2 can generate the Monetary paths shown in Fig. 3
Tree.
One-to-one mode：Selected according to user, using an account in account relational tree as target account, another account
Family between the two accounts collect and sets aside treatment as trading object account.
Certainly, in other embodiments of the present invention, above-mentioned fund does not limit currency type.When having various currency types under account,
Can be directly traded using the transaction currency type according to the transaction currency type of default settings.Of course, it is possible to the interior whole that accesses to your account
Currency type is traded.
In other embodiments of the present invention, memory cell 002, can be also used for：Unit 004 and described is collected described in storage
Set aside the transaction data produced in the implementation procedure of unit 005.
Wherein, transaction data can have various, such as counterparty's account, exchange hour, number of deals, type of transaction, history
Transaction count, account balance etc..By preserving these transaction data, can cause that user is easily traded looking into for data
Ask, facilitate it to carry out the work such as auditing.
The system of setting aside is collected with a kind of above-mentioned cash pooling corresponding, the side of setting aside is collected present invention also offers a kind of cash pooling
Method.
As shown in figure 4, a kind of cash pooling provided in an embodiment of the present invention collects lower dialing method, it is applied to cash pooling and collects down
The system of dialling, the method can include：
S001, the account relational tree that each account in cash pooling is set up according to user's operation, are the account according to user's operation
The addition of at least one account collects mark or sets aside mark in the relational tree of family；In storage account relational tree and the account relational tree
Collecting for account identifies and sets aside mark；
Step S001 can cause that user passes through the present invention and sets up the account relational tree of oneself, specifically, account relation
Tree only one of which root node.
S002, type of transaction is determined according to the account relational tree, the type of transaction is to collect or set aside；Inquiry is described
The remaining sum of target account in account relational tree, when the type of transaction is to collect, performs step S003；In the type of transaction
During to set aside, step S005 is performed；
S003, judge the remaining sum whether meet it is default collect condition, if it is satisfied, then performing step S004；If
It is unsatisfactory for, then is not processed or carried out other treatment.
Wherein, the above-mentioned default condition that collects can be not less than preset value for remaining sum.For example：When remaining sum exceedes in certain account
At 100 yuan, then in the department in the account or whole fund being gone into upper level account.
S004, according to the account relational tree judge determine trading object account whether be the target account higher level
Account, if it is, performing step S006；If it is not, then not processed or being carried out other treatment.
S005, the type of transaction for set aside when, according to the account relational tree judge determine trading object account
Whether it is subordinate's account of the target account, if it is, performing step S006；If it is not, then not processed or being carried out
Other treatment.
S006, the part or all of fund in the target account is gone into trading object account.
A kind of cash pooling provided in an embodiment of the present invention collects lower dialing method, can be by User Defined account relational tree simultaneously
The terms of trade of response are set, and when terms of trade are met, then system of the invention can judge automatically according to account relational tree
Whether type of transaction matches with account relationship between superior and subordinate, is traded automatically in matching.It can be seen that, the present invention realizes cash pooling
The automated transaction of fund between middle account, is manually operated without user before transaction every time, and meeting in the short time is carried out
The need for buckets of cash pool service.
As shown in figure 5, another cash pooling provided in an embodiment of the present invention collects lower dialing method, can include：
S001, the account relational tree that each account in cash pooling is set up according to user's operation, are the account according to user's operation
The addition of at least one account collects mark or sets aside mark in the relational tree of family；In storage account relational tree and the account relational tree
Collecting for account identifies and sets aside mark；
S001a, the account relational tree is shown to user and shows at least one turnover determination mode, set up user's choosing
Corresponding relation between the turnover determination mode selected and the account of user's selection；Store the turnover that the interactive unit is set up
Corresponding relation between determination mode and account；
Turnover during due to concluding the business every time may be different, therefore step S001a can realize selecting turnover by user
Determination mode, the turnover determination mode that will so be selected according to user in transaction automatically determines turnover and is traded.
S002, type of transaction is determined according to the account relational tree, the type of transaction is to collect or set aside；Inquiry is described
The remaining sum of target account in account relational tree, when the type of transaction is to collect, performs step S003；In the type of transaction
During to set aside, step S005 is performed；
S003, judge the remaining sum whether meet it is default collect condition, if it is satisfied, then performing step S004；If
It is unsatisfactory for, then is not processed or carried out other treatment.
S004, according to the account relational tree judge determine trading object account whether be the target account higher level
Account, if it is, performing step S006；If it is not, then not processed or being carried out other treatment.
S005, the type of transaction for set aside when, according to the account relational tree judge determine trading object account
Whether it is subordinate's account of the target account, if it is, performing step S005a；If it is not, then not processed or being carried out
Other treatment.
S005a, judge the remaining sum whether meet it is default set aside condition, if it is satisfied, performing step S006；
Wherein, it is above-mentioned it is default set aside condition and can have various, such as remaining sum exceedes preset value.
Certainly, in other embodiments of the present invention, when the type of transaction is to set aside, step S005a can also be without
Judge target account remaining sum whether meet it is default set aside condition, and the remaining sum in trading object account is judged, sentence
Breaking, whether it meets and default sets aside condition.For example：Trading object account is the A accounts of subordinate, and A account balances are 50 yuan, are handed over
Easy condition is that A account balances are less than 70 yuan, then during fund will be gone to the A accounts of subordinate by target account.
S006, according to preserve turnover determination mode corresponding with the target account determine turnover and by determine
The fund of turnover goes to trading object account from the target account.
As shown in fig. 6, another cash pooling provided in an embodiment of the present invention collects lower dialing method, can include：
S001, the account relational tree that each account in cash pooling is set up according to user's operation, are the account according to user's operation
The addition of at least one account collects mark or sets aside mark in the relational tree of family；In storage account relational tree and the account relational tree
Collecting for account identifies and sets aside mark；
S001a, the account relational tree is shown to user and shows at least one turnover determination mode, set up user's choosing
Corresponding relation between the turnover determination mode selected and the account of user's selection；Store the turnover that the interactive unit is set up
Corresponding relation between determination mode and account；
S002, type of transaction is determined according to the account relational tree, the type of transaction is to collect or set aside；Inquiry is described
The remaining sum of target account in account relational tree, when the type of transaction is to collect, performs step S003；In the type of transaction
During to set aside, step S005a is performed；
S003, judge the remaining sum whether meet it is default collect condition, if it is satisfied, then performing step S004；If
It is unsatisfactory for, then is not processed or carried out other treatment.
S004, according to the account relational tree judge determine trading object account whether be the target account higher level
Account, if it is, performing step S006；If it is not, then not processed or being carried out other treatment.
S005a, the type of transaction for set aside when, judge the remaining sum whether meet it is default set aside condition, if
Meet, perform step S005；
S005, according to the account relational tree judge determine trading object account whether be the target account subordinate
Account, if it is, performing step S006；If it is not, then not processed or being carried out other treatment.
S006, according to preserve turnover determination mode corresponding with the target account determine turnover and by determine
The fund of turnover goes to trading object account from the target account.
In other embodiments of the present invention, the cash pooling is collected and can be stored with the system of setting aside transaction task queue,
Each transaction task carries time marking in the transaction task queue；In step S002 according in the memory cell
Before account relational tree determines type of transaction, can also include:
Transaction task corresponding with the time marking that current time matches is performed, the transaction task according to required execution is true
Set the goal account.
The setting that the program passes through time marking so that control unit can perform task automatically when reaching the time.
Further, the method can also include：
To user displaying set up account relational tree and multi-exchange time determination mode, according to user select transaction when
Between determination mode and user selection target account, the newly-built transaction task of trading object account and add transaction task queue in；
According to user select exchange hour determination mode determine newly-built transaction task the execution time and by determination
The execution time binds as time marking with newly-built transaction task.
Wherein, exchange hour determination mode has various, such as：In real time, three kinds of modes of timing and cycle.Wherein real-time mode is
Refer to user need not the given transaction time, task implemented immediately, and the time marking for now setting is in real time.Timing mode refers to use
The family given transaction time, it is traded in exchange hour, is only concluded the business once.Periodic mode includes day, week, the moon, the end of month, ten days, this was several
The mode of kind, if selection day, then it represents that within a customized time cycle, may be selected to be concluded the business once per several days；If choosing
Select week, then it represents that within a customized time cycle, which day transaction once and weekly per a few week transaction may be selected；
If the selection moon, then it represents that within a customized time cycle, which transaction in may be selected 1 year and monthly the moon
The transaction of which day；If selection the end of month, then it represents that within a customized time cycle, may be selected 1 year in which
The end of month transaction of the moon；If selection ten days, then it represents that within a customized time cycle, every month is traded by ten days.
Wherein it is possible to by user show it is various allot path come for user select, when user selection accordingly allot road
During footpath, namely have selected the trading object account that path determination is alloted according to this.
Further, the method can also include：
Store the friendship produced during the part or all of fund in the target account is gone into trading object account
Easy data.
Wherein, transaction data can have various, such as counterparty's account, exchange hour, number of deals, type of transaction, history
Transaction count, account balance etc..By preserving these transaction data, can cause that user is easily traded looking into for data
Ask, facilitate it to carry out the work such as auditing.
It should be noted that herein, such as first and second or the like relational terms are used merely to a reality
Body or operation make a distinction with another entity or operation, and not necessarily require or imply these entities or deposited between operating
In any this actual relation or order.And, term " including ", "comprising" or its any other variant be intended to
Nonexcludability is included, so that process, method, article or equipment including a series of key elements not only will including those
Element, but also other key elements including being not expressly set out, or also include being this process, method, article or equipment
Intrinsic key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that
Also there is other identical element in process, method, article or equipment including the key element.
Each embodiment in this specification is described by the way of correlation, identical similar portion between each embodiment
Divide mutually referring to what each embodiment was stressed is the difference with other embodiment.Especially for system reality
Apply for example, because it is substantially similar to embodiment of the method, so description is fairly simple, related part is referring to embodiment of the method
Part explanation.
Presently preferred embodiments of the present invention is the foregoing is only, is not intended to limit the scope of the present invention.It is all
Any modification, equivalent substitution and improvements made within the spirit and principles in the present invention etc., are all contained in protection scope of the present invention
It is interior.
Claims (10)
1. a kind of cash pooling collects the system of setting aside, it is characterised in that including：Interactive unit, memory cell, collect unit, set aside
Unit and control unit,
The interactive unit, deposits for setting up the account relational tree of each account in cash pooling according to user's operation and storing described
In storage unit, and for according to user's operation in the account relational tree addition of at least one account collect mark or set aside
Mark；
The memory cell, for storing account relational tree and the account relational tree in account collect mark and set aside mark
Know；
Described control unit, type of transaction, the type of transaction are determined for the account relational tree in the memory cell
To collect or setting aside；The remaining sum of target account in the account relational tree is inquired about, when the type of transaction is to collect, institute is judged
State remaining sum whether meet it is default collect condition, if it is satisfied, then triggering described in collect unit；It is to set aside in the type of transaction
When, triggering described in set aside unit；
It is described to collect unit, for according to the account relational tree judge described control unit determine trading object account whether
It is the superior account of the target account, if it is, the part or all of fund in the target account is gone into trading object
Account；
It is described to set aside unit, for according to the account relational tree judge described control unit determine trading object account whether
It is subordinate's account of the target account, if it is, the part or all of fund in the target account is gone into trading object
Account.
2. system according to claim 1, it is characterised in that the interactive unit is additionally operable to：It is each in cash pooling is set up
After the account relational tree of account, show the account relational tree to user and show at least one turnover determination mode, set up
Corresponding relation between the turnover determination mode of user's selection and the account of user's selection；
The memory cell, is additionally operable to store the correspondence pass between the turnover determination mode and account of the interactive unit foundation
System；
Described control unit, for when the type of transaction is to set aside, judging whether the remaining sum meets and default setting aside bar
Part, if it is satisfied, setting aside unit described in triggering again；
It is described to collect unit, for according to the account relational tree judge described control unit determine trading object account whether
It is the superior account of the target account, if it is, corresponding with the target account according to what is preserved in the memory cell
Turnover determination mode determine turnover and the fund of the turnover of determination gone into trading object account from the target account
Family；
It is described to set aside unit, for according to the account relational tree judge described control unit determine trading object account whether
It is subordinate's account of the target account, if it is, corresponding with the target account according to what is preserved in the memory cell
Turnover determination mode determine turnover and the fund of the turnover of determination gone into trading object account from the target account
Family.
3. system according to claim 2, it is characterised in that be stored with transaction task queue in the memory cell, institute
Each transaction task carries time marking in stating transaction task queue；
Described control unit, for performing transaction task corresponding with the time marking that current time matches, holds according to required
Capable transaction task determines target account；Account relational tree in the memory cell determines type of transaction, the transaction
Type is to collect or set aside；The remaining sum of target account in the account relational tree is inquired about, when the type of transaction is to collect, is sentenced
Break the remaining sum whether meet it is default collect condition, if it is satisfied, then triggering described in collect unit；It is in the type of transaction
When setting aside, judge the remaining sum whether meet it is default set aside condition, set aside unit described in triggering.
4. system according to claim 3, it is characterised in that the interactive unit is additionally operable to：Set up to user's displaying
The mesh that account relational tree and multi-exchange time determination mode, the exchange hour determination mode selected according to user and user select
Mark account, the newly-built transaction task of trading object account and add transaction task queue in；It is true according to the exchange hour that user selects
Execution time that mode determines the execution time of newly-built transaction task and will determine is determined as time marking and newly-built transaction
Task is bound.
5. system according to claim 4, it is characterised in that the memory cell, is additionally operable to：Unit is collected described in storage
With the transaction data set aside and produced in unit implementation procedure.
6. a kind of cash pooling collects lower dialing method, it is characterised in that is applied to cash pooling and collects the system of setting aside, methods described bag
Include：
The account relational tree of each account in cash pooling is set up according to user's operation, according to user's operation in the account relational tree
The addition of at least one account collects mark or sets aside mark；Account collects in storage account relational tree and the account relational tree
Identify and set aside mark；
Type of transaction is determined according to the account relational tree, the type of transaction is to collect or set aside；Inquire about the account relation
The remaining sum of target account in tree, the type of transaction for collect when, judge the remaining sum whether meet it is default collect condition,
If it is satisfied, then according to the account relational tree judge determine trading object account whether be the target account higher level's account
Family, if it is, the part or all of fund in the target account is gone into trading object account；In the case where the type of transaction is
Dial when, according to the account relational tree judge determination trading object account whether be the target account subordinate's account, such as
Fruit is that the part or all of fund in the target account is gone into trading object account.
7. method according to claim 6, it is characterised in that after the account relational tree of each account in setting up cash pooling,
Methods described also includes：
Show the account relational tree to user and show at least one turnover determination mode, set up the turnover of user's selection
Corresponding relation between determination mode and the account of user's selection；Store turnover determination mode that the interactive unit sets up and
Corresponding relation between account；
When the type of transaction is to set aside, the part or all of fund in the target account is gone into trading object account
Before, first judge the remaining sum whether meet it is default set aside condition, if it is satisfied, again by the part in the target account or complete
Portion's fund goes to trading object account；
The part or all of fund by the target account goes to trading object account, including：
Corresponding with target account turnover determination mode according to preserving determines turnover and the turnover that will be determined
Fund goes to trading object account from the target account.
8. method according to claim 7, it is characterised in that the cash pooling collects and be stored with the system of setting aside transaction and appoint
Business queue, each transaction task carries time marking in the transaction task queue；
Before the account relational tree in the memory cell determines type of transaction, methods described also includes:Perform and work as
The corresponding transaction task of time marking that the preceding moment matches, the transaction task according to required execution determines target account.
9. method according to claim 8, it is characterised in that methods described also includes：
The account relational tree set up to user's displaying and multi-exchange time determination mode, it is true according to the exchange hour that user selects
Determine mode and user selection target account, the newly-built transaction task of trading object account and add transaction task queue in；
The exchange hour determination mode selected according to user determines the execution time of newly-built transaction task and the execution that will be determined
Time binds as time marking with newly-built transaction task.
10. method according to claim 9, it is characterised in that also include：
Store the number of deals produced during the part or all of fund in the target account is gone into trading object account
According to.
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| CN201611226604.3A CN106779651A (en) | 2016-12-27 | 2016-12-27 | Cash pooling is collected sets aside method and system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110889751A (en) * | 2018-08-16 | 2020-03-17 | 北京京东金融科技控股有限公司 | Enterprise fund pool management method, device and system, electronic equipment and readable medium |
| CN113469667A (en) * | 2021-07-02 | 2021-10-01 | 建信金融科技有限责任公司 | Group client unified collection and dial-down processing method and system |
| CN113807944A (en) * | 2018-09-07 | 2021-12-17 | 网联清算有限公司 | Spare payment allocation method and device, electronic equipment and storage medium |
-
2016
- 2016-12-27 CN CN201611226604.3A patent/CN106779651A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110889751A (en) * | 2018-08-16 | 2020-03-17 | 北京京东金融科技控股有限公司 | Enterprise fund pool management method, device and system, electronic equipment and readable medium |
| CN110889751B (en) * | 2018-08-16 | 2024-04-19 | 京东科技控股股份有限公司 | Enterprise fund pool management method, device, system, electronic equipment and readable medium |
| CN113807944A (en) * | 2018-09-07 | 2021-12-17 | 网联清算有限公司 | Spare payment allocation method and device, electronic equipment and storage medium |
| CN113469667A (en) * | 2021-07-02 | 2021-10-01 | 建信金融科技有限责任公司 | Group client unified collection and dial-down processing method and system |
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