CN108269182B - Balance calculation method and calculation equipment based on fund collection - Google Patents
Balance calculation method and calculation equipment based on fund collection Download PDFInfo
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- CN108269182B CN108269182B CN201710736920.3A CN201710736920A CN108269182B CN 108269182 B CN108269182 B CN 108269182B CN 201710736920 A CN201710736920 A CN 201710736920A CN 108269182 B CN108269182 B CN 108269182B
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Abstract
The invention is suitable for the technical field of computers, and provides a local balance calculation method and calculation equipment based on fund collection, wherein the method comprises the following steps: acquiring the actual fund balance of the sub-account on a first date and main account information corresponding to the sub-account; acquiring the pipelining type supported by the sub-account, and if the pipelining type supported by the sub-account does not contain fund collection pipelining, sending a pipelining query request to the main account according to the information of the main account; if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record; the actual funds balance on the second date is calculated based on the collection amount, the dispense amount, and the actual funds balance on the first date. The technical scheme of the invention can clearly reflect the actual fund amount of the sub-account, and greatly facilitates the intuitive understanding and mastering of the actual earning condition of the sub-company.
Description
Technical Field
The invention belongs to the technical field of internet finance, and particularly relates to a balance calculation method and calculation equipment based on fund collection.
Background
At present, a large group including a plurality of subsidiaries generally has a requirement for fund collection, that is, funds in an account of the subsidiary are periodically collected into an account of the group, and the daily remaining funds in the sub-account are 0 or other values set for the group, for example, 100 ten thousand.
However, when accounting is performed, the funds collected into the group account still need to be calculated under the corresponding subsidiary account, for example, the remaining funds of the subsidiary account are 100 ten thousand, and the subsidiary account collects 50 ten thousand of funds into the group account every day for 10 consecutive days, so that the actual funds of the subsidiary are at least 600 ten thousand at the time of accounting, but only 100 ten thousand of funds can be displayed on the account surface of the subsidiary. Therefore, the problem of fund collection is that the current actual fund balance of the subsidiaries cannot be clearly displayed, so that the group cannot intuitively and clearly master the current actual revenue situation of each subsidiary.
Disclosure of Invention
In view of this, embodiments of the present invention provide a balance calculation method and a calculation device based on fund collection, so as to solve the problem in the prior art that the actual fund balance of a sub-company cannot be clearly shown due to fund collection.
A first aspect of an embodiment of the present invention provides a balance calculation method based on fund collection, including:
acquiring the actual fund balance of a sub-account on a first date and main account information corresponding to the sub-account;
acquiring a pipelining type supported by the sub-account, and if the pipelining type does not contain fund collection pipelining, sending a pipelining query request to the main account according to the main account information, wherein the pipelining query request is used for requesting the main account for a time range from the day after the first date to the second date, and a transaction object is a first pipelining record of the sub-account;
if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record;
and calculating the actual fund balance of the second date according to the collection amount, the release amount and the actual fund balance of the first date.
A second aspect of an embodiment of the present invention provides a computing device, where the computing device includes a memory, a processor, and a program of a fund collection-based balance calculation method stored on the memory and executable on the processor, and the processor implements the following steps when executing the program of the fund collection-based balance calculation method:
acquiring the actual fund balance of a sub-account on a first date and main account information corresponding to the sub-account;
acquiring a pipelining type supported by the sub-account, and if the pipelining type does not contain fund collection pipelining, sending a pipelining query request to the main account according to the main account information, wherein the pipelining query request is used for requesting the main account for a time range from the day after the first date to the second date, and a transaction object is a first pipelining record of the sub-account;
if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record;
and calculating the actual fund balance of the second date according to the collection amount, the release amount and the actual fund balance of the first date.
A third aspect of embodiments of the present invention provides a computer-readable storage medium storing a program of a fund collection-based balance calculation method, which when executed by at least one processor, implements the steps of:
acquiring the actual fund balance of a sub-account on a first date and main account information corresponding to the sub-account;
acquiring a pipelining type supported by the sub-account, and if the pipelining type does not contain fund collection pipelining, sending a pipelining query request to the main account according to the main account information, wherein the pipelining query request is used for requesting the main account for a time range from the day after the first date to the second date, and a transaction object is a first pipelining record of the sub-account;
if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record;
and calculating the actual fund balance of the second date according to the collection amount, the release amount and the actual fund balance of the first date.
Compared with the prior art, the embodiment of the invention has the following beneficial effects: for the sub-account which does not support the fund collection pipelining type, the collection amount from the sub-account to the main account and the issuing amount from the main account to the sub-account are calculated by reading the bank pipelining mode between the sub-account and the main account, and the actual fund balance of the sub-account is updated according to the collection amount and the issuing amount, so that the actual fund amount of the sub-account can be clearly reflected, and the visual understanding and mastering of the actual earning condition of the sub-company are greatly facilitated.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a flow chart of a balance calculation method based on fund collection according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a specific implementation of the fund collection-based balance calculation method S104 according to an embodiment of the present invention;
FIG. 3 is a flowchart of an implementation of a balance calculation method based on fund collection according to an embodiment of the present invention;
FIG. 4 is a flowchart of an implementation of a balance calculation method based on fund collection according to an embodiment of the present invention;
FIG. 5 is a flow chart of the implementation of fund collection in the balance calculation method based on fund collection according to the embodiment of the present invention;
FIG. 6 is a schematic diagram of a balance calculation device based on fund collection provided by an embodiment of the invention;
FIG. 7 is a schematic diagram of a computing device provided by an embodiment of the invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In order to illustrate the technical solution of the present invention, the following description will be given by way of specific examples. Before describing the specific embodiments, the concepts of the different types of balances used in the embodiments of the present invention are explained as follows:
the actual funds balance refers to the actual total amount of funds for the sub-account without aggregating funds with the primary account.
The account balance refers to the amount of funds displayed on the sub-account.
The reserve amount is a pre-determined maximum account balance for the sub-account between the primary account and the sub-account.
Fig. 1 shows an implementation flow of a balance calculation method based on fund collection according to an embodiment of the present invention, which is detailed as follows:
s101: and acquiring the actual fund balance of the sub-account on the first date and the main account information corresponding to the sub-account.
In the embodiment of the present invention, the actual fund balance of the sub-account on the first date may be calculated by the same method as that in the embodiment of the present invention, or may be calculated by another method. That is, the method of embodiments of the present invention is performed with the actual funds balance on the first date known.
The first date corresponds to a second date, which is later than the first date, and the actual fund balance of the second date can be obtained by the method of the embodiment of the invention on the basis of the known actual fund balance of the first date. For example, assuming that the first date is 2017, month 1 and the second date is 2017, month 2, the actual fund balance of the sub-account at 2017, month 2 and the 7 th day of the 2017 can be obtained by the method of the embodiment of the present invention under the condition that the actual fund balance of the sub-account at 2017, month 1 and the 7 th day of the 2017 is known. If the first date is 2017, month 1 and the second date is 2017, month 10, by using the method of the embodiment of the present invention, under the condition that the actual fund balance of the sub-account at 2017, month 1 and the known sub-account at 2017, month 10, the actual fund balance of the sub-account at 2017, month 10 can be obtained. I.e. the first date and the second date can be flexibly configured according to the needs of the application.
In the embodiment of the present invention, the main account is a fund collection account of the sub-accounts, and the main account and the sub-accounts may be in a one-to-one relationship or in a one-to-many relationship. For example, if a group company includes a plurality of sub-companies, the account of the group company is a main account, and the account of each sub-company is a sub-account corresponding to the main account.
The primary account information is used to uniquely identify the primary account, and may be, for example, bank account information of the primary account. The information of the sub-account is used for uniquely identifying the sub-account, and for example, the information may be bank account information of the sub-account. And the information of the main account and the information of the sub-account are correspondingly stored. The main account information of the main account corresponding to the sub account can be acquired through the information of the sub account.
S102: and acquiring the flow type supported by the sub-account, and if the flow type supported by the sub-account does not contain fund collection flow, sending a flow query request to the main account according to the information of the main account, wherein the flow query request is used for requesting the main account for a first flow record of the sub-account within a time range from the last day of the first date to the second date.
In the embodiment of the invention, the fund collection running water is running water generated when the sub-accounts transfer the fund collection to the corresponding main accounts. Generally, for the sub-accounts which do not support the type of the fund collection stream, the stream is not stored in the sub-accounts, the balance is in the main account stream, when the sub-accounts need to pay, the corresponding amount is dialed from the main account to the sub-accounts, and when the sub-accounts receive the external money, the corresponding amount is received to the main account in real time or at regular time.
Different banks support different types of pipelining information, some banks support the fund collection pipelining type in a sub-account, such as the middle-line bank, and some banks do not support the fund collection pipelining type in a sub-account, such as the Chinese industrial and commercial bank. When the sub-account supports the fund collection pipelining type, the pipelining records of the fund collection are saved in the sub-account, and when the sub-account does not support the fund collection pipelining type, the pipelining records of the fund collection are not saved in the sub-account.
And if the flow type supported by the sub-account does not contain the fund collection flow, sending a flow query request to the main account corresponding to the main account information according to the main account information obtained in the step S101. Through the stream inquiry request, the primary account can be inquired about a first stream record of which the transaction object is the sub-account in a time range from the day after the first date to the second date. For example, if the first date is 7 months and 9 days, and the second date is 7 months and 10 days, the chronological query request is used for querying the transaction flow between the main account and the sub-account on the day of 7 months and 10 days.
It will be appreciated that the first liquidity record includes the flow of funds by which the primary account has been drawn down to the sub-account, and the flow of funds by which the primary account has been drawn down from the sub-account.
S103: and if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record.
In the embodiment of the invention, if the primary account inquires the first flow record, the primary account returns a response message to the flow inquiry request, and the response message contains the inquired first flow record.
And according to the inquired first flow record, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account, wherein the collection amount is the total amount of the main account received from the sub-account in the first flow record, and the issuing amount is the total amount of the main account to the sub-account in the first flow record.
Further, the waiting time for receiving the first flow record may be preset, and if the first flow record returned by the main account is received within the preset waiting time, the collection amount of the sub-account to the main account and the dispensing amount of the main account to the sub-account are calculated according to the first flow record. It should be noted that the preset waiting time may be set according to the requirement of the practical application, and is not limited herein.
S104: and calculating the actual fund balance of the sub-account on the second date according to the collection amount of the sub-account to the main account, the release amount of the main account to the sub-account and the actual fund balance of the sub-account on the first date.
In the embodiment of the present invention, the actual fund balance of the sub-account on the second date is calculated according to the collection amount and the release amount calculated in step S103 and the actual fund balance of the first date acquired in step S101.
For example, the first date is 7 month and 9 days, the second date is 7 month and 10 days, the transaction running record between the main account and the sub-account on the day of 7 month and 10 days is inquired according to the running inquiry request, the collection amount on the day of 7 month and 10 days is calculated to be 30 ten thousand, the release amount is 20 ten thousand, the actual fund balance of the sub-account on the day of 7 month and 9 days is 50 ten thousand, and the actual fund balance of the sub-account on the day of 7 month and 10 days is 50+ 30-20-60 ten thousand.
In the embodiment corresponding to fig. 1, for the sub-account which does not support the fund collection pipelining type, the collection amount of the sub-account to the main account and the issuance amount of the main account to the sub-account are calculated by reading the bank pipelining mode between the sub-account and the main account, and the actual fund balance of the sub-account is updated according to the collection amount and the issuance amount, so that the actual fund amount of the sub-account can be clearly reflected, and the intuitive understanding and mastering of the actual earning condition of the sub-company are greatly facilitated.
Next, a specific calculation method of the actual fund balance of the sub-account mentioned in S104 on the second date will be described in detail by a specific embodiment based on the corresponding embodiment of fig. 1. Fig. 2 shows a specific implementation flow of S104 provided in the embodiment of the present invention, which is detailed as follows:
s1041: and if the actual fund balance of the sub-account on the first date is empty, recalculating the actual fund balance of the sub-account on the first date according to the transaction flow between the sub-account and the main account within the time range from the initial maintenance date to the first date.
In the embodiment of the present invention, before calculating the actual fund balance of the sub-account on the second date according to the collection amount, the release amount, and the actual fund balance of the sub-account on the first date, the validity of the actual fund balance on the first date needs to be determined, and the calculated actual fund balance on the second date is valid only on the premise that the actual fund balance on the first date is legal.
And if the actual fund balance of the first date is empty, determining that the actual fund balance of the first date is illegal, and recalculating the actual fund balance of the first date to obtain the legal value of the actual fund balance of the sub-account on the first date.
Since the running type supported by the sub-account does not include the fund collection running water, the actual fund balance of the first date needs to be calculated according to the transaction running between the sub-account and the main account.
The initial maintenance date of the sub-account may be the account opening date of the sub-account, the transaction flow between the sub-account and the main account within the time range from the account opening date of the sub-account to the first date is obtained, the obtaining method of the transaction flow may adopt the same manner as step S102, that is, a flow inquiry request is sent to the main account, a flow record of the sub-account is requested to the main account within the time range from the account opening date of the sub-account to the first date, the transaction object is a flow record of the sub-account, and the actual fund balance of the first date is calculated according to the flow record obtained by inquiry, the specific calculation process may adopt the same manner as steps S103 to S104, that is, the total amount of aggregation of the sub-account to the main account and the total amount of issuance of the main account to the sub-account are calculated, and according to the total amount of issuance, and the initial amount of the sub-account on the account opening date, the actual fund balance of the sub-account on the first date is calculated.
S1042: and if the actual fund balance of the sub-account on the first date is not empty, calculating the sum of the collection amount and the actual fund balance on the first date, and subtracting the release amount to obtain the actual fund balance of the sub-account on the second date.
In this embodiment of the present invention, if the actual fund balance of the sub-account on the first date obtained by recalculating in step S1041 is not empty, that is, it is determined that the actual fund balance on the first date is legal, then according to the actual fund balance on the first date and the collection amount and the release amount calculated in step S103, the sum of the collection amount and the actual fund balance on the first date is calculated first, and then the release amount is subtracted to obtain the actual fund balance on the second date.
In the embodiment corresponding to fig. 2, the validity of the actual fund balance of the sub-account on the first date is judged, and the actual fund balance on the first date is recalculated first under the condition that the actual fund balance on the first date is not legal, so that the legal actual fund balance on the first date is recalculated, and the accuracy and the validity of the calculated actual fund balance on the second date are ensured.
On the basis of the embodiment shown in fig. 1, after the pipelined query request is sent to the primary account through S102, if a response of the primary account is not received within a preset time, as shown in fig. 3, the method for calculating the balance further includes:
s1051: and if the first flow record returned by the main account is not received within the preset time, sending a flow query request to the main account at intervals of preset query time until the sending times of the flow query request reach the preset maximum query times or until the first flow record returned by the main account is received.
In the embodiment of the present invention, the preset time is a preset waiting time for receiving the first flow record, and after the flow query request is sent to the primary account through S102, if a response message of the primary account to the flow query request is not received within the preset waiting time, the flow query request is continuously sent to the primary account at intervals of the preset query time.
It should be noted that the preset query time and the preset waiting time may be the same or different, and are not limited herein.
S1052: and if the sending times of the flow inquiry requests reach the preset maximum inquiry times, confirming that the inquiry fails and outputting error prompt information.
In the embodiment of the invention, if the sending times of the pipelined query requests sent to the main account reach the maximum query times and the response message of the main account is not received at the moment, the query failure is confirmed, the process is ended, the actual fund balance on the second date is not calculated any more, and meanwhile, error information is output to prompt a user, for example, "the actual fund balance is abnormal, and the front-end processor is required to be checked whether the front-end processor is normal or not".
And if the times of sending the pipelining query requests to the main account do not reach the maximum query times and the first pipelining record returned by the main account is received, continuing to execute the subsequent steps to complete the calculation of the actual fund balance on the second date.
The maximum number of queries may be set to 10, but is not limited thereto, and it may be specifically set according to the needs of the actual application, and is not limited herein.
In the embodiment corresponding to fig. 3, by sending the pipelined query request to the primary account at intervals of the preset waiting time, a situation that the actual fund balance cannot be calculated due to the fact that the first pipelined record returned by the primary account is not received due to occasional abnormal situations such as network abnormality is avoided, and therefore the reliability of the actual fund balance calculation on the second date is improved.
On the basis of the corresponding embodiment of fig. 1, in addition to calculating the collection amount and the release amount for the sub-accounts which do not support the fund collection pipelining type through steps S102 to S103, as shown in fig. 4, the balance calculation method further includes, for the sub-accounts which support the fund collection pipelining type:
s106: and if the flow type supported by the sub-account comprises fund collection flow, acquiring a second flow record of which the transaction object is the main account in the time range from the day after the first date to the second date in the sub-account.
In the embodiment of the invention, if the flow type supported by the sub-account comprises the fund aggregation flow, namely the sub-account reports the fund to the main account or the main account issues the fund to the sub-account, the corresponding flow record is stored in the sub-account.
And acquiring a second flow record of which the transaction object is the main account in a time range from the day after the first date to the second date by inquiring the flow record of the sub-account.
S107: and calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the second flow record. In the embodiment of the present invention, according to the second journal record acquired in step S106, the collection amount of the sub-account to the main account and the issue amount of the main account to the sub-account in the time range from the day after the first date to the second date are calculated.
In the embodiment corresponding to fig. 4, when the sub-account supports the fund collection pipelining type, the transaction pipelining between the main account and the sub-account is not required to be requested, and the collection amount and the release amount can be obtained by directly inquiring the pipelining record of the sub-account, so that the inquiry process is saved, the calculation time is shortened, and the calculation efficiency is improved.
On the basis of the above embodiment, before acquiring the actual fund balance of the sub-account on the first date and the main account information corresponding to the sub-account in step S101, as shown in fig. 5, the balance calculation method further includes a fund collection processing procedure:
s108: and acquiring the account balance of the sub-account.
In the embodiment of the invention, the account balance of the sub-account is acquired in a timing mode. The timed pattern may be a fixed time of day, such as 0 a.m., or the timed pattern may be at fixed intervals, such as every 12 hours or every 24 hours.
The account balance of the sub-account is the total balance displayed on the current account of the sub-account, and the unit of the total balance is RMB. That is, if the account of the sub-account includes multiple currency types, the current exchange rate is obtained, the amounts of the multiple currency types are converted into the amount of the rmb according to the current exchange rate, and the amount is accumulated and collected.
S109: and if the account balance of the sub-account is larger than the preset reserved amount, collecting the funds exceeding the reserved amount in the sub-account into the main account.
In the embodiment of the present invention, if the account balance of the sub-account acquired in step S108 is greater than the preset reserved amount, the funds in the sub-account exceeding the reserved amount are collected into the main account. And if the account balance of the sub-account acquired in the step S108 is less than or equal to the reserved amount, not performing fund collection.
For example, if the account balance of the sub-account is 80 ten thousand RMB and the preset remaining amount is 50 ten thousand RMB, 30 ten thousand RMB needs to be received from the sub-account to the main account. If the account balance of the sub-account is 30 ten thousand RMB and the preset reserved amount is 50 ten thousand RMB, the operation of collecting the fund is not carried out.
It should be noted that the remaining amount of the sub-account may be preset, and different remaining amounts of different sub-accounts may be set. The specific value of the reserved amount can be set according to the requirements of practical application, and is not limited here.
In the embodiment corresponding to fig. 5, the account balance of the sub-account is acquired, and the part of the account balance exceeding the reserved amount is collected into the main account, so that the main account can perform centralized and effective management on the funds of the sub-account. Meanwhile, the embodiment corresponding to fig. 5 is an execution basis of the embodiment of the present invention, that is, when the funds are collected from the sub-account to the main account, the actual funds balance of the sub-account needs to be calculated by the method of the embodiment of the present invention, so that the actual funds amount of the sub-account can be clearly embodied, and the actual revenue situation of the sub-company can be intuitively understood and mastered.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Fig. 6 shows a block diagram of a balance calculation device based on fund collection according to an embodiment of the present invention, which corresponds to the balance calculation method based on fund collection according to the above embodiment, and only shows the parts related to the embodiment of the present invention for convenience of description.
Referring to fig. 6, the balance calculating means includes:
the acquiring unit 61 is used for acquiring the actual fund balance of the sub-account on the first date and the main account information corresponding to the sub-account;
the first query unit 62 is configured to obtain a pipelining type supported by a sub-account, and if the pipelining type supported by the sub-account does not include fund collection pipelining, send a pipelining query request to the main account according to the information of the main account, where the pipelining query request is used to request the main account for a first pipelining record of the sub-account within a time range from a day after a first date to a second date;
the first calculating unit 63 is configured to calculate, according to a first flow record returned by the main account, a collection amount of the sub-account to the main account and a dispensing amount of the main account to the sub-account if the first flow record is received;
a second calculation unit 64 for calculating the actual funds balance on the second date based on the collection amount, the dispensing amount and the actual funds balance on the first date.
Optionally, the second calculation unit 64 includes:
the recalculation subunit is used for recalculating the actual fund balance of the first date according to the transaction flow between the primary account and the sub-account within the time range from the initial maintenance date to the first date if the actual fund balance of the first date is empty;
and the balance calculation subunit is used for calculating the sum of the collection amount and the actual fund balance of the first date and subtracting the release amount to obtain the actual fund balance of the second date if the actual fund balance of the first date is not empty.
Optionally, the balance calculating device further comprises:
the third calculating unit is used for sending a running water query request to the main account at intervals of preset waiting time if the first running water record returned by the main account is not received within the preset time, until the sending times of the running water query request reach the preset maximum query times, or until the first running water record returned by the main account is received;
and the error output unit is used for confirming that the query fails and outputting error prompt information if the sending times of the flow query requests reach the maximum query times.
Optionally, the balance calculating device further comprises:
the second query unit is used for acquiring a second flow record of which the transaction object is the main account in the time range from the day after the first date to the second date in the sub-account if the flow type supported by the sub-account comprises fund collection flow;
and the fourth calculating unit is used for calculating the collection amount and the issuing amount according to the second running record.
Optionally, the balance calculating device further comprises:
the third acquisition unit is used for acquiring account balance of the sub-account;
and the fund collecting unit is used for collecting the fund exceeding the reserved amount in the sub-account into the main account if the account balance of the sub-account is greater than the preset reserved amount.
FIG. 7 is a schematic diagram of a computing device provided by an embodiment of the invention. As shown in fig. 7, the computing device 7 of this embodiment includes: a processor 70, a memory 71, and a computer program 72 stored in the memory 71 and operable on the processor 70, such as a balance calculation program based on a collection of funds. The processor 70, when executing the computer program 72, implements the steps in each of the embodiments of the fund collection based balance calculation method described above, such as the steps S101 to S104 shown in fig. 1. Alternatively, the processor 70, when executing the computer program 72, implements the functions of the units in the above-described device embodiments, such as the functions of the modules 61 to 64 shown in fig. 6.
Illustratively, the computer program 72 may be divided into one or more units, which are stored in the memory 71 and executed by the processor 70 to carry out the invention. One or more elements may be a series of computer program instruction segments capable of performing certain functions and describing the execution of computer program 72 on computing device 7. For example, the computer program 72 may be divided into a first obtaining unit, a second obtaining unit, a first querying unit, a first calculating unit and a second calculating unit, and each unit has the following specific functions:
the acquisition unit is used for acquiring the actual fund balance of the sub-account on the first date and the main account information corresponding to the sub-account;
the system comprises a first query unit, a second query unit and a third query unit, wherein the first query unit is used for acquiring the pipelining type supported by the sub-account, and if the pipelining type supported by the sub-account does not contain fund collection pipelining, a pipelining query request is sent to the main account according to the information of the main account, and the pipelining query request is used for requesting the main account for a first pipelining record of the sub-account within a time range from the next day of a first date to a second date;
the first calculation unit is used for calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record if the first flow record returned by the main account is received;
and the second calculation unit is used for calculating the actual fund balance of the second date according to the collection amount, the release amount and the actual fund balance of the first date.
Optionally, the second computing unit comprises:
the recalculation subunit is used for recalculating the actual fund balance of the first date according to the transaction flow between the primary account and the sub-account within the time range from the initial maintenance date to the first date if the actual fund balance of the first date is empty;
and the balance calculation subunit is used for calculating the sum of the collection amount and the actual fund balance of the first date and subtracting the release amount to obtain the actual fund balance of the second date if the actual fund balance of the first date is not empty.
Optionally, the computer program 72 may also be divided into a third computing unit:
the third calculating unit is used for sending a running water query request to the main account at intervals of preset waiting time if the first running water record returned by the main account is not received within the preset time, until the sending times of the running water query request reach the preset maximum query times, or until the first running water record returned by the main account is received;
and the error output unit is used for confirming that the query fails and outputting error prompt information if the sending times of the flow query requests reach the maximum query times.
Optionally, the computer program 72 may also be divided into a second query unit and a fourth calculation unit:
the second query unit is used for acquiring a second flow record of which the transaction object is the main account in the time range from the day after the first date to the second date in the sub-account if the flow type supported by the sub-account comprises fund collection flow;
and the fourth calculating unit is used for calculating the collection amount and the issuing amount according to the second running record.
Optionally, the computer program 72 may also be divided into a third acquisition unit and a fund aggregation unit:
the third acquisition unit is used for acquiring account balance of the sub-account;
and the fund collecting unit is used for collecting the fund exceeding the reserved amount in the sub-account into the main account if the account balance of the sub-account is greater than the preset reserved amount.
The computing device 7 may be a desktop computer, a notebook, a palm top computer, a cloud server, or other computing device. The terminal device 7 may include, but is not limited to, a processor 70, a memory 71. Those skilled in the art will appreciate that fig. 7 is merely an example of computing device 7 and does not constitute a limitation of computing device 7 and may include more or fewer components than shown, or combine certain components, or different components, e.g., computing device 7 may also include input-output devices, network access devices, buses, etc.
The Processor 70 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided by the present invention, it should be understood that the disclosed apparatus/computing device and method may be implemented in other ways. For example, the above-described apparatus/computing device embodiments are merely illustrative, and for example, the division of the modules or units is merely a logical division, and other divisions may be realized in practice, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.
Claims (8)
1. A balance calculation method based on fund collection, characterized in that the balance calculation method comprises:
acquiring the actual fund balance of a sub-account on a first date and main account information corresponding to the sub-account;
acquiring a pipelining type supported by the sub-account, and if the pipelining type does not contain fund collection pipelining, sending a pipelining query request to the main account according to the main account information, wherein the pipelining query request is used for requesting the main account for a time range from the day after the first date to the second date, and a transaction object is a first pipelining record of the sub-account; the fund collection running water is running water generated when the sub-accounts transfer the fund collection to the corresponding main accounts;
if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record;
calculating an actual fund balance on the second date based on the collection amount, the release amount, and the actual fund balance on the first date, comprising: if the actual fund balance of the first date is empty, recalculating the actual fund balance of the first date according to the transaction flow between the sub-account and the main account within the time range from the initial maintenance date to the first date; and if the actual fund balance of the first date is not empty, calculating the sum of the collection amount and the actual fund balance of the first date, and subtracting the release amount to obtain the actual fund balance of the second date.
2. The balance calculation method according to claim 1, wherein the acquiring a running water type supported by the sub-account, and if the running water type does not include a fund collection running water, after sending a running water query request to the main account according to the main account information, the balance calculation method further includes:
if the first flow record returned by the main account is not received within preset time, sending the flow query request to the main account at intervals of preset query time until the sending times of the flow query request reach preset maximum query times or until the first flow record returned by the main account is received;
and if the sending times of the running query requests reach the maximum query times, confirming that the query fails, and outputting error prompt information.
3. The balance calculation method of claim 1, wherein the obtaining of the sub-account is after an actual balance of funds on a first date and primary account information corresponding to the sub-account, and before the calculating of the actual balance of funds on the second date based on the collection amount, the release amount, and the actual balance of funds on the first date, the balance calculation method further comprises:
if the flow type supported by the sub-account comprises fund collection flow, acquiring a second flow record of the main account as a transaction object in the time range from the day after the first date to the second date from the sub-account;
and calculating the collection amount and the issuing amount according to the second running record.
4. The balance calculation method of any one of claims 1 to 3, wherein the obtaining of the sub-account precedes the actual funds balance on the first date and the primary account information corresponding to the sub-account, the balance calculation method further comprising:
acquiring account balance of the sub-account;
and if the account balance of the sub-account is larger than the preset reserved amount, collecting the funds exceeding the reserved amount in the sub-account into the main account.
5. A computing device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements the steps of:
acquiring the actual fund balance of a sub-account on a first date and main account information corresponding to the sub-account;
acquiring a pipelining type supported by the sub-account, and if the pipelining type does not contain fund collection pipelining, sending a pipelining query request to the main account according to the main account information, wherein the pipelining query request is used for requesting the main account for a time range from the day after the first date to the second date, and a transaction object is a first pipelining record of the sub-account; the fund collection running water is running water generated when the sub-accounts transfer the fund collection to the corresponding main accounts;
if the first flow record returned by the main account is received, calculating the collection amount of the sub-account to the main account and the issuing amount of the main account to the sub-account according to the first flow record;
calculating an actual fund balance on the second date based on the collection amount, the release amount, and the actual fund balance on the first date, comprising: if the actual fund balance of the first date is empty, recalculating the actual fund balance of the first date according to the transaction flow between the sub-account and the main account within the time range from the initial maintenance date to the first date; and if the actual fund balance of the first date is not empty, calculating the sum of the collection amount and the actual fund balance of the first date, and subtracting the release amount to obtain the actual fund balance of the second date.
6. The computing device of claim 5, wherein the obtaining of the pipelining type supported by the sub-account further implements, after sending a pipelining query request to the primary account based on the primary account information if the pipelining type does not include a fund collection pipelining, the processor executing the computer program to:
if the first flow record returned by the main account is not received within preset time, sending the flow query request to the main account at intervals of preset query time until the sending times of the flow query request reach preset maximum query times or until the first flow record returned by the main account is received;
and if the sending times of the running query requests reach the maximum query times, confirming that the query fails, and outputting error prompt information.
7. The computing device of claim 5, wherein the obtaining of the sub-account is after an actual funds balance on a first date and primary account information corresponding to the sub-account, and before the calculating of the actual funds balance on the second date based on the collection amount, the release amount, and the actual funds balance on the first date, the processor when executing the computer program further performs the steps of:
if the flow type supported by the sub-account comprises fund collection flow, acquiring a second flow record of the main account as a transaction object in the time range from the day after the first date to the second date from the sub-account;
and calculating the collection amount and the issuing amount according to the second running record.
8. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the fund collection-based balance calculation method according to any one of claims 1 to 4.
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| CN201710736920.3A CN108269182B (en) | 2017-08-24 | 2017-08-24 | Balance calculation method and calculation equipment based on fund collection |
| PCT/CN2018/083300 WO2019037449A1 (en) | 2017-08-24 | 2018-04-17 | Balance calculation method and apparatus based on cash sweep, terminal device and medium |
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| CN201710736920.3A CN108269182B (en) | 2017-08-24 | 2017-08-24 | Balance calculation method and calculation equipment based on fund collection |
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| CN109727002B (en) * | 2018-09-07 | 2022-04-05 | 网联清算有限公司 | Fund collection method and device, storage medium and computer equipment |
| CN109670957A (en) * | 2018-12-24 | 2019-04-23 | 恒生电子股份有限公司 | The processing method and processing device of fictitious assets data |
| CN110264332A (en) * | 2019-05-06 | 2019-09-20 | 阿里巴巴集团控股有限公司 | The method, apparatus and electronic equipment that account is entered an item of expenditure in the accounts |
| CN111210334A (en) * | 2019-12-13 | 2020-05-29 | 佛山欧神诺云商科技有限公司 | Method, system and storage medium for rapidly collecting transfer funds |
| CN113743922A (en) * | 2021-08-24 | 2021-12-03 | 苏州众言网络科技股份有限公司 | Multi-product transaction service management method, device and storage medium |
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| JP2008009866A (en) * | 2006-06-30 | 2008-01-17 | Mm Holdings Kk | Fund pool management system and credit management system related to the same |
| CN101576976A (en) * | 2009-03-02 | 2009-11-11 | 浪潮集团山东通用软件有限公司 | Method for inquiring self-defined multidimensional multi-time point service account |
| CN101877107A (en) * | 2010-04-08 | 2010-11-03 | 苏州德融嘉信信用管理技术有限公司 | Conglomerate founds collecting service system and application method thereof |
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| CN102999866A (en) * | 2012-12-10 | 2013-03-27 | 中国民生银行股份有限公司 | Fund collection method and system |
| CN104021454B (en) * | 2014-06-23 | 2017-09-01 | 国网山东省电力公司 | Method and system for conglomerate's fund account data monitoring |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2008009866A (en) * | 2006-06-30 | 2008-01-17 | Mm Holdings Kk | Fund pool management system and credit management system related to the same |
| CN101576976A (en) * | 2009-03-02 | 2009-11-11 | 浪潮集团山东通用软件有限公司 | Method for inquiring self-defined multidimensional multi-time point service account |
| CN101877107A (en) * | 2010-04-08 | 2010-11-03 | 苏州德融嘉信信用管理技术有限公司 | Conglomerate founds collecting service system and application method thereof |
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