CN108921691A - A kind of fund pool management method and device - Google Patents
A kind of fund pool management method and device Download PDFInfo
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- CN108921691A CN108921691A CN201810735691.8A CN201810735691A CN108921691A CN 108921691 A CN108921691 A CN 108921691A CN 201810735691 A CN201810735691 A CN 201810735691A CN 108921691 A CN108921691 A CN 108921691A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
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Abstract
The invention discloses a kind of fund pool management method and devices, including:When member unit's current settlement accounts is added to fund pool, determine the signing protocol mode of member unit's current settlement accounts, wherein, the signing protocol mode includes batch linkage pattern and real-time linkage mode, if member unit's current settlement accounts is secondary account, then the signatory mode is batch linkage pattern, member unit's current settlement accounts is three-level account, then determine superior account of the secondary account as the three-level account, the signatory mode is real-time linkage mode;According to the signing protocol mode of member unit's current settlement accounts, each member unit's current settlement accounts in the fund pool is managed.The purpose for improving the successful efficiency of fund pool current transaction is realized through the invention.
Description
Technical field
The present invention relates to financial technology fields, more particularly to a kind of fund pool management method and device.
Background technique
Fund pool forms longitudinal account relation management system by member unit's account, signs between adjacent the superior and the subordinate's account
On deposit interest rate agreement, collect agreement and set aside agreement, provide with funds centralized management and the cash management function distributed rationally for client
Can, support the management of liquidity and capital intensive management of client.
For example, have many branch companies and branching unit under parent company of Guo Wang group, parent company and each branch company or point
Zhi Danwei has opened settlement accounts in Chinese electric wealth, and parent company needs will be on the settlement accounts of each branch company and branching unit
Fund be all aggregated into parent company's settlement accounts up, convenient for the centralized management and running of fund, China's electricity wealth is in order to meet state
This requirement for netting group, has provided it fund pool product, Guo Wang group is helped to carry out cash management.The basic training of fund pool
It can be exactly all to be aggregated into the fund of multiple accounts in one account, the mode summarized is divided into System and non real-time remittance
Always, System is exactly when some account takes in a fund, and the funds are then transferred to the account for needing to summarize at once
On, it is non real-time summarize be exactly when some account take in a fund when, transferred funds to according to the time and frequency of agreement
The account summarized.
Existing fund pool management mode is real-time linkage mode, i.e., when an income occurs for fund pond account or draws
When, it can all cause the real-time variation of its higher level's account balance.In such a mode, if fund pool has three-level, account is traded,
Level-one main account can follow its variation, when three-level account quantity increases, while doing a possibility that transaction that deposit is drawn and gradually increasing
Greatly, when this possibility increase when, will lead to main account can not cope with simultaneously remaining sum change, eventually lead to concurrent transaction and go out
Now wait in line phenomenon, the successful efficiency of current transaction can be reduced.
Summary of the invention
It is directed to the above problem, the present invention provides a kind of fund pool management method and device, realizes and improves fund pool day
The purpose for the successful efficiency often traded.
To achieve the goals above, the present invention provides following technical solutions:
A kind of fund pool management method, including:
When member unit's current settlement accounts is added to fund pool, the label of member unit's current settlement accounts are determined
About protocol mode, wherein the signing protocol mode includes batch linkage pattern and real-time linkage mode, if the member unit
Current settlement accounts is secondary account, then the signatory mode is batch linkage pattern, member unit's current settlement accounts
For three-level account, it is determined that superior account of the secondary account as the three-level account, the signatory mode are to join in real time
Dynamic model formula;
It is single to each member in the fund pool according to the signing protocol mode of member unit's current settlement accounts
Position current settlement accounts is managed.
Preferably, described when member unit's current settlement accounts is added to fund pool, determine member unit's current
The signing protocol mode of settlement accounts, including:
When member unit's current settlement accounts is added to the fund pool as secondary account, according to the fund
The dedicated temporary receipt and payment account of fund pool overdraw opened in pond, determines the dedicated temporary receipt and payment account of target fund pool overdraw, wherein
The target fund pool overdraw dedicated temporary receipt and payment account open an account mechanism and member unit's current settlement accounts machine of opening an account
Structure is identical;
The avail of the secondary account is collected into main account, and records the dedicated temporary receipts of the target fund pool overdraw
It pays a bill the amount of money that family pays to the secondary account, and the amount of money is denoted as the daylight overdraft amount of money, realize the batch linkage
The signing of mode, wherein the target fund pool overdraws dedicated temporary receipt and payment account according to collecting the amount of money to the secondary account branch
The fund of paying, the amount of money that the secondary account collects are above to deposit the amount of money;
When member unit's current settlement accounts is added to the fund pool as three-level account, a second level is determined
Superior account of the account as the three-level account, and contracted using real-time linkage mode as the mode of signing an agreement, it will
The avail of the three-level account collects its corresponding secondary account.
Preferably, the signing protocol mode according to member unit's current settlement accounts, in the fund pool
Each member unit's current settlement accounts be managed, including:
It is single to each member in the fund pool according to the signing protocol mode of member unit's current settlement accounts
The withdrawal money transfer transactions processing of position current settlement accounts is managed;
According to the signing agreement of member unit's current settlement accounts, overdraws and give back eventually to the batch day of the fund pool
It is managed;
According to the signing protocol mode of member unit's current settlement accounts, the batch day of the fund pool is gone back after all
It is managed;
According to the signing agreement of member unit's current settlement accounts, the batch daylight overdraft of the resource pool is carried out
Management.
Preferably, the signing protocol mode according to member unit's current settlement accounts, in the fund pool
Each member unit's current settlement accounts withdrawal money transfer transactions processing be managed, including:
If the level-one account of the fund pool carries out withdrawal money transfer transactions, according to right after the withdrawal money transfer transactions
The amount of money answered carries out corresponding increase and decrease processing to the account balance of the level-one account;
If the secondary account of the fund pool carries out withdrawal money transfer transactions, according to right after the withdrawal money transfer transactions
The amount of money answered carries out corresponding increase and decrease processing to the account balance of the secondary account, wherein the amount of money of the secondary account is returned
Collect corresponding superior account, the dedicated temporary receipt and payment account of the target fund pool overdraw has been overdrawed and collected to the secondary account
The amount of money of the identical quantity of the amount of money;
If the three-level account of the fund pool carries out deposit transaction, according to the real-time linkage mould of three-level account signing
Formula, the fund for being stored into the three-level account collect the corresponding secondary account of the three-level account in real time;
If the three-level account of the fund pool carries out drawing transaction, and when the account balance deficiency of the three-level account, from
The corresponding superior account of the three-level account, which is set aside, lacks the amount of money.
Preferably, the signing agreement according to member unit's current settlement accounts, to the batch of the fund pool
Day overdraws to give back and be managed eventually, including:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and determination is saturating in the daytime in the secondary account
The branch amount of money is greater than zero target secondary account;
According to the quantity of the target secondary account overdraw amount of money, the amount of money of corresponding number is transferred to the target fund
The dedicated temporary receipt and payment account of pond overdraw;
If the target secondary account when Sorry, your ticket has not enough value, obtained in the corresponding superior account of the secondary account with
Sorry, your ticket has not enough value the corresponding amount of money, supplies the insufficient amount of money of the target secondary account, realizes that the target secondary account is returned
Also daylight overdraft.
Preferably, the signing protocol mode according to member unit's current settlement accounts, to the fund pool
Batch day is also managed after all, including:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and calculate the secondary account collects the amount of money;
If the amount of money that collects indicates that the secondary account collects the amount of money to the secondary account according to described in greater than zero
Corresponding superior account collects fund, and the secondary account is recorded in the funds deposited in higher-level banks by lower-level banks after the completion of collecting.
Preferably, the signing agreement according to member unit's current settlement accounts, to the batch of the resource pool
Daylight overdraft is managed, including:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and the target second level that the amount of money is greater than zero is deposited in determination
Account;
Indicate that the target fund pool dedicated temporary receipt and payment account of overdrawing according on described deposits the amount of money to the target second level account
Family disburses funds, and realizes daylight overdraft;
By daylight overdraft amount record to the target secondary account.
A kind of fund pool managing device, including:
Determining module, for when member unit's current settlement accounts is added to fund pool, determining that the member unit is living
The signing protocol mode of phase settlement accounts, wherein the signing protocol mode includes batch linkage pattern and real-time linkage mode,
If member unit's current settlement accounts is secondary account, the signatory mode is batch linkage pattern, and the member is single
Position current settlement accounts is three-level account, it is determined that superior account of the secondary account as the three-level account, the label
About mode is real-time linkage mode;
Management module, for the signing protocol mode according to member unit's current settlement accounts, to the fund pool
In each member unit's current settlement accounts be managed.
Preferably, the determining module includes:
First determination unit, for being added to the fund as secondary account when member unit's current settlement accounts
Chi Shi determines that the overdraw of target fund pool is special according to the dedicated temporary receipt and payment account of fund pool overdraw opened in the fund pool
With temporary receipt and payment account, wherein the target fund pool overdraw dedicated temporary receipt and payment account open an account mechanism and the member unit it is living
The mechanism that opens an account of phase settlement accounts is identical;
First signing unit, for the avail of the secondary account to be collected main account, and records the target
Fund pool is overdrawed the amount of money that dedicated temporary receipt and payment account is paid to the secondary account, and the amount of money is denoted as daylight overdraft gold
Volume realizes the signing of the batch linkage pattern, wherein the target fund pool overdraws dedicated temporary receipt and payment account according to collecting gold
Volume disburses funds to the secondary account, and the amount of money that the secondary account collects is above to deposit the amount of money;
Second signing unit, for being added to the fund as three-level account when member unit's current settlement accounts
Chi Shi determines superior account of the secondary account as the three-level account, and using real-time linkage mode as signing association
View mode is contracted, and the avail of the three-level account is collected its corresponding secondary account.
Preferably, the management module includes:
First administrative unit, for the signing protocol mode according to member unit's current settlement accounts, to the money
The withdrawal money transfer transactions processing of each member unit's current settlement accounts in Jin Chi is managed;
Second administrative unit, for the signing agreement according to member unit's current settlement accounts, to the fund pool
Overdraw is given back and is managed eventually batch day;
Third administrative unit, for the signing protocol mode according to member unit's current settlement accounts, to the money
The batch day of Jin Chi is also managed after all;
4th administrative unit, for the signing agreement according to member unit's current settlement accounts, to the resource pool
Batch daylight overdraft be managed.
Compared to the prior art, the present invention provides a kind of fund pool management method and devices, when member unit's current knot
Family do accounts when being added to fund pool, the signing protocol mode of member unit's current settlement accounts is determined, according to the member
The signing protocol mode of unit current settlement accounts carries out pipe to each member unit's current settlement accounts in the fund pool
Reason.Due to eliminating the mode for collecting and setting aside in real time in real time between level-one account and secondary account, uses batch and link
The signing of mode, that is, it is real between two three-level accounts that using day, batch or the mode for collecting and setting aside in batches in the daytime, which are realized, eventually
When linkage pattern, when the three-level account under secondary account or its daily access transaction when, cause in real time remaining sum change by original
Level-one account be transferred to secondary account, the queuing etc. that lower three-level account quantity concurrent simultaneously can greatly reduce, and cause
To phenomenon within the scope of accessible.Fund pool management is carried out by different signatory modes in this way and improves current transaction
Success efficiency.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow diagram of fund pool management method provided in an embodiment of the present invention;
Fig. 2 is a kind of structural schematic diagram of fund pool managing device provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Term " first " and " second " in description and claims of this specification and above-mentioned attached drawing etc. are for area
Not different objects, rather than for describing specific sequence.Furthermore term " includes " and " having " and their any deformations,
It is intended to cover and non-exclusive includes.Such as it contains the process, method of a series of steps or units, system, product or sets
It is standby not to be set in listed step or unit, but may include the step of not listing or unit.
For the ease of the explanation and illustration to the embodiment of the present invention, now by the relational language used in the embodiment of the present invention into
Row illustrates.
Longitudinal account relation management system:The account management for the continuous upper and lower grade account relationship established between different accounts
System, most higher level become " level-one " (i.e. main account), other level accounts become sub- account.
Main account, sub- account:Main account, sub- account are the current settlement accounts that member unit opens in capital company.
Fund pool:Account relation management system is always want by member unit's account, signs and deposits between adjacent the superior and the subordinate's account
Interest rate agreement collects agreement and sets aside agreement, provides with funds centralized management and the cash management function distributed rationally for client, branch
Hold the management of liquidity and capital intensive management of client.
On deposit the amount of money:It is recorded in sub- account, reflects sub- account as junior's account and collected to adjacent superior account and is total
The amount of money.
Itself remaining sum:Sub- account is recorded in the account balance being added between fund pool;
Account itself occurs to record the increase of itself remaining sum when gathering transaction after fund pool is added;
Account itself occurs to record the reduction of itself remaining sum when payment transaction after fund pool is added.
It collects in real time:The gathering business that sub- account occurs, will collect amount of money real-time linkage and collects its superior account.
It sets aside in real time:The payment transaction that sub- account occurs, carries out the allocation of the funds to it for real-time linkage superior account, meets
Payment demand.
Daylight overdraft:From fund pool overdraw dedicated temporary receipt and payment account to signing batch linkage pattern fund pond account it is temporary
When available funds is provided, the amount of available funds be equal to its fund pond account on deposit the amount of money, day terminal hour need to withdraw.
The daylight overdraft amount of money:It is recorded in sub- account, after reflecting the agreement of sub- account signing batch linkage pattern, day sets out
The total amount of sub- account overdraw is recorded when raw batch daylight overdraft, the daylight overdraft amount of money is necessary for zero in day terminal hour.
Batch day collects after all:Day terminal hour signs the sub- account that batch collects agreement, and remaining sum will collect upper according to agreement
Grade account.
Batch day also overdraws after all:Day terminal hour, the daylight overdraft amount of money of the sub- account for batch linkage pattern agreement of contracting is not
In the case where being zero, its sub- account of higher level's accountee trend sets aside the amount of money according to the number of the daylight overdraft amount of money, gives back overdraw,
Make the daylight overdraft amount of money zero.
Avail:It can be used for the amount of money paid;
The amount of money+above deposit the amount of money-daylight overdraft amount of money is retained/freezed to avail=the machine account balance-;
Main account avail=account balance-is retained/freezes the amount of money
Collect the amount of money:
It collects the amount of money=the same level account balance-account retention/fund pool, which collects, to be retained/and freezes the amount of money-daylight overdraft amount of money.
A kind of fund pool management method is provided in embodiments of the present invention, referring to Fig. 1, including:
S11, when member unit's current settlement accounts is added to fund pool, determine member unit's current settlement accounts
Signing protocol mode, wherein the signing protocol mode includes batch linkage pattern and real-time linkage mode, if the member
Unit current settlement accounts is secondary account, then the signatory mode is batch linkage pattern, member unit's current clearing
Account is three-level account, it is determined that superior account of the secondary account as the three-level account, the signatory mode are real
When linkage pattern.
When member unit's current settlement accounts is added to the fund pool as secondary account, according to the fund
The dedicated temporary receipt and payment account of fund pool overdraw opened in pond, determines the dedicated temporary receipt and payment account of target fund pool overdraw, wherein
The target fund pool overdraw dedicated temporary receipt and payment account open an account mechanism and member unit's current settlement accounts machine of opening an account
Structure is identical;
The avail of the secondary account is collected into main account, and records the dedicated temporary receipts of the target fund pool overdraw
It pays a bill the amount of money that family pays to the secondary account, and the amount of money is denoted as the daylight overdraft amount of money, realize the batch linkage
The signing of mode, wherein the target fund pool overdraws dedicated temporary receipt and payment account according to collecting the amount of money to the secondary account branch
The fund of paying, the amount of money that the secondary account collects are above to deposit the amount of money;
When member unit's current settlement accounts is added to the fund pool as three-level account, a second level is determined
Superior account of the account as the three-level account, and contracted using real-time linkage mode as the mode of signing an agreement, it will
The avail of the three-level account collects its corresponding secondary account.
For example, when member unit's current settlement accounts is added to fund pool as secondary account, when the agreement of signing
When being batch linkage pattern, the specified one dedicated temporary receipt and payment account of fund pool overdraw opened is needed, as target fund pool
It overdraws dedicated temporary receipt and payment account, this target fund pool overdraws the mechanism that opens an account of dedicated temporary receipt and payment account must be living with member unit
The phase settlement accounts mechanism that opens an account is identical.
After the dedicated temporary receipt and payment account of target fund pool overdraw has been determined, system saves protocol information to fund pool protocol information
The avail of current settlement accounts is collected main account (i.e. level-one account) by table, and then the overdraw of target fund pool is dedicated temporarily
Receipt and payment account disburses funds according to the amount of money that it the is collected phase settlement accounts that would like to live, and the amount of money that current settlement accounts record collects is upper
Deposit the amount of money, the record target fund pool amount of money that dedicated temporary receipt and payment account is paid to it of overdrawing is the daylight overdraft amount of money, and signing terminates.
When member unit's current settlement accounts is added to fund pool as three-level account, it is necessary to which a selected secondary account is made
For its superior account, the agreement of signing is also necessary for real-time linkage mode, and system saves protocol information to fund pool protocol information
The avail of current settlement accounts is collected its superior account by table, and the amount of money that current settlement accounts record collects is above to deposit
The amount of money, signing terminate.
S12, according to the signing protocol mode of member unit's current settlement accounts, in the fund pool it is each at
Member's unit current settlement accounts is managed.
Optionally, including:
It is single to each member in the fund pool according to the signing protocol mode of member unit's current settlement accounts
The withdrawal money transfer transactions processing of position current settlement accounts is managed.
For example, the withdrawal money transfer transactions as fund pool level-one account (main account), will not trigger fund pool connection
Dynamic transaction, directly reacts increasing or decreasing for account balance.
As the fund pool secondary account for batch linkage pattern of having contracted, although the amount of money of its account has collected thereon
Grade account, but fund overdraw is moved residential registration to another place to the amount of money of its identical quantity of having overdrawed, therefore its daily withdrawal money transfer transactions, directly
It is reversed to answer increasing or decreasing for account balance.
As fund pool three-level account, when being stored in money item, according to the real-time linkage mode that it is contracted, at once by it
The fund of deposit collects its superior account, three-level Account History in real time:On deposit the amount of money, wherein above deposit the amount of money=above the deposit amount of money+
This amount of money collected;When needing to draw money item, if when the account balance deficiency of account itself, under triggering in real time
Dial, superior account in fact when set aside the lacked amount of money, the amount of money set aside cannot deposit greatly the amount of money thereon, after the completion of supplement,
Three-level Account History:On deposit the amount of money=above depositing the amount of money-, this sets aside the amount of money.
According to the signing agreement of member unit's current settlement accounts, overdraws and give back eventually to the batch day of the fund pool
It is managed.
Per everyday whole, all fund pool secondary accounts for having signed batch linkage pattern of traversal, all daylight overdraft amount of money
Secondary account greater than zero, require according to the overdraw amount of money number fund be transferred to fund pool overdraw dedicated temporary receipt and payment account
Family, while secondary account records:The daylight overdraft amount of money=0.If secondary account insufficient in amount is to give back, automatic trigger higher level
Account linkage sets aside the amount of money in real time, and insufficient institute's lack of funds gives back daylight overdraft for it, records after the completion of setting aside:On deposit the amount of money=
On deposit the amount of money-this set aside the amount of money.
According to the signing protocol mode of member unit's current settlement accounts, the batch day of the fund pool is gone back after all
It is managed;
Per everyday eventually, traversal institute all fund pool secondary accounts for having signed batch linkage pattern, calculate collect the amount of money, such as
Fruit collects the amount of money greater than zero, then secondary account need according to collect the amount of money number to its superior account collect fund, collected
It is recorded at rear secondary account:On deposit the amount of money=above the deposit amount of money+this collects the amount of money.
According to the signing agreement of member unit's current settlement accounts, the batch daylight overdraft of the resource pool is carried out
Management.
Per everyday at the beginning, all fund pool secondary accounts for having signed batch linkage pattern of traversal are all to deposit the amount of money thereon
Secondary account greater than zero, overdraw dedicated temporary receipt and payment account of fund pool is disbursed funds to secondary account according to depositing the amount of money thereon, complete
At daylight overdraft, while secondary account records:The daylight overdraft amount of money=this fund pool is overdrawed dedicated temporary receipt and payment bill payment
Principal amount.
Therefore, using batch linkage pattern between this one secondary account of fund pool, real-time linkage before two three-level accounts
Mode causes remaining sum to change by original level-one in real time when the daily access of the three-level account under secondary account or its transaction
Account is transferred to secondary account, and lower three-level account quantity concurrent simultaneously can greatly reduce, and that causes waits in line phenomenon
Within the scope of accessible.Not only having met secondary account in this way can be with the demand of real-time management junior account amount of money, but also improves
The successful efficiency of current transaction.
The present invention provides a kind of fund pool management methods, when member unit's current settlement accounts is added to fund pool,
The signing protocol mode for determining member unit's current settlement accounts, the signing according to member unit's current settlement accounts
Protocol mode is managed each member unit's current settlement accounts in the fund pool.Due in level-one account and two
The mode for collecting and setting aside in real time in real time is eliminated between grade account, using the signing of batch linkage pattern, that is, uses day
Batch or the mode for collecting and setting aside in batches in the daytime are realized eventually, are real-time linkage mode between two three-level accounts, are worked as secondary account
Or the three-level account under it daily access transaction when, cause remaining sum to change in real time and second level account be transferred to by original level-one account
Family, concurrent quantity can greatly reduce lower three-level account simultaneously, and cause wait in line phenomenon accessible range it
It is interior.The successful efficiency that fund pool management improves current transaction is carried out by different signatory modes in this way.
It is corresponding, a kind of fund pool managing device is additionally provided in embodiments of the present invention, referring to fig. 2, including:
Determining module 10, for determining the member unit when member unit's current settlement accounts is added to fund pool
The signing protocol mode of current settlement accounts, wherein the signing protocol mode includes batch linkage pattern and real-time linkage mould
Formula, if member unit's current settlement accounts is secondary account, the signatory mode is batch linkage pattern, the member
Unit current settlement accounts is three-level account, it is determined that superior account of the secondary account as the three-level account, it is described
Signatory mode is real-time linkage mode;
Management module 20, for the signing protocol mode according to member unit's current settlement accounts, to the fund
Each member unit's current settlement accounts in pond is managed.
Optionally, the determining module includes:
First determination unit, for being added to the fund as secondary account when member unit's current settlement accounts
Chi Shi determines that the overdraw of target fund pool is special according to the dedicated temporary receipt and payment account of fund pool overdraw opened in the fund pool
With temporary receipt and payment account, wherein the target fund pool overdraw dedicated temporary receipt and payment account open an account mechanism and the member unit it is living
The mechanism that opens an account of phase settlement accounts is identical;
First signing unit, for the avail of the secondary account to be collected main account, and records the target
Fund pool is overdrawed the amount of money that dedicated temporary receipt and payment account is paid to the secondary account, and the amount of money is denoted as daylight overdraft gold
Volume realizes the signing of the batch linkage pattern, wherein the target fund pool overdraws dedicated temporary receipt and payment account according to collecting gold
Volume disburses funds to the secondary account, and the amount of money that the secondary account collects is above to deposit the amount of money;
Second signing unit, for being added to the fund as three-level account when member unit's current settlement accounts
Chi Shi determines superior account of the secondary account as the three-level account, and using real-time linkage mode as signing association
View mode is contracted, and the avail of the three-level account is collected its corresponding secondary account.
Optionally, the management module includes:
First administrative unit, for the signing protocol mode according to member unit's current settlement accounts, to the money
The withdrawal money transfer transactions processing of each member unit's current settlement accounts in Jin Chi is managed;
Second administrative unit, for the signing agreement according to member unit's current settlement accounts, to the fund pool
Overdraw is given back and is managed eventually batch day;
Third administrative unit, for the signing protocol mode according to member unit's current settlement accounts, to the money
The batch day of Jin Chi is also managed after all;
4th administrative unit, for the signing agreement according to member unit's current settlement accounts, to the resource pool
Batch daylight overdraft be managed.
Specifically, first administrative unit is specifically used for:
If the level-one account of the fund pool carries out withdrawal money transfer transactions, according to right after the withdrawal money transfer transactions
The amount of money answered carries out corresponding increase and decrease processing to the account balance of the level-one account;
If the secondary account of the fund pool carries out withdrawal money transfer transactions, according to right after the withdrawal money transfer transactions
The amount of money answered carries out corresponding increase and decrease processing to the account balance of the secondary account, wherein the amount of money of the secondary account is returned
Collect corresponding superior account, the dedicated temporary receipt and payment account of the target fund pool overdraw has been overdrawed and collected to the secondary account
The amount of money of the identical quantity of the amount of money;
If the three-level account of the fund pool carries out deposit transaction, according to the real-time linkage mould of three-level account signing
Formula, the fund for being stored into the three-level account collect the corresponding secondary account of the three-level account in real time;
If the three-level account of the fund pool carries out drawing transaction, and when the account balance deficiency of the three-level account, from
The corresponding superior account of the three-level account, which is set aside, lacks the amount of money.
Second administrative unit is specifically used for:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and determination is saturating in the daytime in the secondary account
The branch amount of money is greater than zero target secondary account;
According to the quantity of the target secondary account overdraw amount of money, the amount of money of corresponding number is transferred to the target fund
The dedicated temporary receipt and payment account of pond overdraw;
If the target secondary account when Sorry, your ticket has not enough value, obtained in the corresponding superior account of the secondary account with
Sorry, your ticket has not enough value the corresponding amount of money, supplies the insufficient amount of money of the target secondary account, realizes that the target secondary account is returned
Also daylight overdraft.
Third administrative unit is specifically used for:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and calculate the secondary account collects the amount of money;
If the amount of money that collects indicates that the secondary account collects the amount of money to the secondary account according to described in greater than zero
Corresponding superior account collects fund, and the secondary account is recorded in the funds deposited in higher-level banks by lower-level banks after the completion of collecting.
4th administrative unit is specifically used for:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and the target second level that the amount of money is greater than zero is deposited in determination
Account;
Indicate that the target fund pool dedicated temporary receipt and payment account of overdrawing according on described deposits the amount of money to the target second level account
Family disburses funds, and realizes daylight overdraft;
By daylight overdraft amount record to the target secondary account.
The present invention provides a kind of fund pool managing devices, when member unit's current settlement accounts is added to fund pool,
The signing protocol mode for determining member unit's current settlement accounts, the signing according to member unit's current settlement accounts
Protocol mode is managed each member unit's current settlement accounts in the fund pool.Due in level-one account and two
The mode for collecting and setting aside in real time in real time is eliminated between grade account, using the signing of batch linkage pattern, that is, uses day
Batch or the mode for collecting and setting aside in batches in the daytime are realized eventually, are real-time linkage mode between two three-level accounts, are worked as secondary account
Or the three-level account under it daily access transaction when, cause remaining sum to change in real time and second level account be transferred to by original level-one account
Family, concurrent quantity can greatly reduce lower three-level account simultaneously, and cause wait in line phenomenon accessible range it
It is interior.The successful efficiency that fund pool management improves current transaction is carried out by different signatory modes in this way.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other
The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part
It is bright.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (10)
1. a kind of fund pool management method, which is characterized in that including:
When member unit's current settlement accounts is added to fund pool, the signing association of member unit's current settlement accounts is determined
View mode, wherein the signing protocol mode includes batch linkage pattern and real-time linkage mode, if member unit's current
Settlement accounts is secondary account, then the signatory mode is batch linkage pattern, and member unit's current settlement accounts is three
Grade account, it is determined that superior account of the secondary account as the three-level account, the signatory mode are real-time linkage mould
Formula;
It is living to each member unit in the fund pool according to the signing protocol mode of member unit's current settlement accounts
Phase settlement accounts is managed.
2. the method according to claim 1, wherein described when member unit's current settlement accounts is added to fund
Chi Shi determines the signing protocol mode of member unit's current settlement accounts, including:
When member unit's current settlement accounts is added to the fund pool as secondary account, according in the fund pool
The fund pool opened overdraw dedicated temporary receipt and payment account, determine that target fund pool is overdrawed dedicated temporary receipt and payment account, wherein described
Target fund pool overdraw dedicated temporary receipt and payment account open an account mechanism and member unit's current settlement accounts mechanism phase of opening an account
Together;
The avail of the secondary account is collected into main account, and records the dedicated temporary receipt and payment account of the target fund pool overdraw
The amount of money that family is paid to the secondary account, and the amount of money is denoted as the daylight overdraft amount of money, realize the batch linkage pattern
Signing, wherein the target fund pool overdraws dedicated temporary receipt and payment account according to collecting the amount of money to secondary account payment money
Gold, the amount of money that the secondary account collects are above to deposit the amount of money;
When member unit's current settlement accounts is added to the fund pool as three-level account, a secondary account is determined
It contracts as the superior account of the three-level account, and using real-time linkage mode as the mode of signing an agreement, it will be described
The avail of three-level account collects its corresponding secondary account.
3. according to the method described in claim 2, it is characterized in that, the label according to member unit's current settlement accounts
About protocol mode is managed each member unit's current settlement accounts in the fund pool, including:
It is living to each member unit in the fund pool according to the signing protocol mode of member unit's current settlement accounts
The withdrawal money transfer transactions processing of phase settlement accounts is managed;
According to the signing agreement of member unit's current settlement accounts, overdraws eventually to the batch day of the fund pool and give back progress
Management;
According to the signing protocol mode of member unit's current settlement accounts, the batch day of the fund pool is also carried out after all
Management;
According to the signing agreement of member unit's current settlement accounts, pipe is carried out to the batch daylight overdraft of the resource pool
Reason.
4. according to the method described in claim 3, it is characterized in that, the label according to member unit's current settlement accounts
About protocol mode carries out pipe to the withdrawal money transfer transactions processing of each member unit's current settlement accounts in the fund pool
Reason, including:
If the level-one account of the fund pool carries out withdrawal money transfer transactions, according to corresponding after the withdrawal money transfer transactions
The amount of money carries out corresponding increase and decrease processing to the account balance of the level-one account;
If the secondary account of the fund pool carries out withdrawal money transfer transactions, according to corresponding after the withdrawal money transfer transactions
The amount of money carries out corresponding increase and decrease processing to the account balance of the secondary account, wherein the amount of money of the secondary account collects
Corresponding superior account, the dedicated temporary receipt and payment account of the target fund pool overdraw have overdrawed to the secondary account and have collected the amount of money
The amount of money of identical quantity;
If the three-level account of the fund pool carries out deposit transaction, according to the real-time linkage mode that the three-level account is contracted,
The fund for being stored into the three-level account collects the corresponding secondary account of the three-level account in real time;
If the three-level account of the fund pool carries out drawing transaction, and when the account balance deficiency of the three-level account, from described
The corresponding superior account of three-level account, which is set aside, lacks the amount of money.
5. according to the method described in claim 3, it is characterized in that, the label according to member unit's current settlement accounts
About agreement, overdrawing to give back eventually to the batch day of the fund pool is managed, including:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and daylight overdraft gold is determined in the secondary account
Volume is greater than zero target secondary account;
According to the quantity of the target secondary account overdraw amount of money, it is saturating that the amount of money of corresponding number is transferred to the target fund pool
The dedicated temporary receipt and payment account of branch;
If the target secondary account when Sorry, your ticket has not enough value, obtained in the corresponding superior account of the secondary account with it is described
Sorry, your ticket has not enough value the corresponding amount of money, supplies the insufficient amount of money of the target secondary account, realizes that the target secondary account gives back day
Between overdraw.
6. according to the method described in claim 3, it is characterized in that, the label according to member unit's current settlement accounts
About protocol mode is also managed the batch day of the fund pool after all, including:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and calculate the secondary account collects the amount of money;
If it is corresponding to the secondary account to indicate that the secondary account collects the amount of money according to described in greater than zero for the amount of money that collects
Superior account collect fund, and the secondary account is recorded in the funds deposited in higher-level banks by lower-level banks after the completion of collecting.
7. according to the method described in claim 3, it is characterized in that, the label according to member unit's current settlement accounts
About agreement is managed the batch daylight overdraft of the resource pool, including:
Traversal has signed the secondary account of the fund pool of batch linkage pattern, and the target second level account that the amount of money is greater than zero is deposited in determination
Family;
Indicate that the target fund pool dedicated temporary receipt and payment account of overdrawing according on described deposits the amount of money to the target secondary account branch
The fund of paying realizes daylight overdraft;
By daylight overdraft amount record to the target secondary account.
8. a kind of fund pool managing device, which is characterized in that including:
Determining module, for determining member unit's current knot when member unit's current settlement accounts is added to fund pool
It does accounts the signing protocol mode at family, wherein the signing protocol mode includes batch linkage pattern and real-time linkage mode, if institute
Stating member unit's current settlement accounts is secondary account, then the signatory mode is batch linkage pattern, and the member unit is living
Phase settlement accounts is three-level account, it is determined that superior account of the secondary account as the three-level account, the signing mould
Formula is real-time linkage mode;
Management module, for the signing protocol mode according to member unit's current settlement accounts, in the fund pool
Each member unit's current settlement accounts is managed.
9. device according to claim 8, which is characterized in that the determining module includes:
First determination unit, for being added to the fund pool as secondary account when member unit's current settlement accounts
When, according to the dedicated temporary receipt and payment account of fund pool overdraw opened in the fund pool, determine that the overdraw of target fund pool is dedicated
Temporary receipt and payment account, wherein the target fund pool is overdrawed open an account mechanism and the member unit's current of dedicated temporary receipt and payment account
The mechanism that opens an account of settlement accounts is identical;
First signing unit, for the avail of the secondary account to be collected main account, and records the target fund
Pond is overdrawed the amount of money that dedicated temporary receipt and payment account is paid to the secondary account, and the amount of money is denoted as the daylight overdraft amount of money, real
The signing of the existing batch linkage pattern, wherein the target fund pool overdraw dedicated temporary receipt and payment account according to collect the amount of money to
The secondary account disburses funds, and the amount of money that the secondary account collects is above to deposit the amount of money;
Second signing unit, for being added to the fund pool as three-level account when member unit's current settlement accounts
When, determine superior account of the secondary account as the three-level account, and be used as and sign an agreement using real-time linkage mode
Mode is contracted, and the avail of the three-level account is collected its corresponding secondary account.
10. device according to claim 9, which is characterized in that the management module includes:
First administrative unit, for the signing protocol mode according to member unit's current settlement accounts, to the fund pool
In each member unit's current settlement accounts withdrawal money transfer transactions processing be managed;
Second administrative unit criticizes the fund pool for the signing agreement according to member unit's current settlement accounts
Amount day overdraws to give back and be managed eventually;
Third administrative unit, for the signing protocol mode according to member unit's current settlement accounts, to the fund pool
Be also managed after all batch day;
4th administrative unit criticizes the resource pool for the signing agreement according to member unit's current settlement accounts
Amount daylight overdraft is managed.
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CN201810735691.8A CN108921691A (en) | 2018-07-06 | 2018-07-06 | A kind of fund pool management method and device |
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CN201810735691.8A CN108921691A (en) | 2018-07-06 | 2018-07-06 | A kind of fund pool management method and device |
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CN110458537A (en) * | 2019-07-01 | 2019-11-15 | 网联清算有限公司 | Golden transaction processing method and device out |
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Publication number | Priority date | Publication date | Assignee | Title |
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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 |
CN110458537A (en) * | 2019-07-01 | 2019-11-15 | 网联清算有限公司 | Golden transaction processing method and device out |
CN111340341A (en) * | 2020-02-18 | 2020-06-26 | 中国工商银行股份有限公司 | Processing method and device for shared fund |
CN111522855A (en) * | 2020-04-24 | 2020-08-11 | 京东数字科技控股有限公司 | Resource migration method and device, electronic equipment and storage medium |
CN111522855B (en) * | 2020-04-24 | 2023-12-08 | 京东科技控股股份有限公司 | Resource migration method and device, electronic equipment and storage medium |
CN112711638A (en) * | 2020-12-30 | 2021-04-27 | 普华云创科技(北京)有限公司 | Method and system for realizing block chain account system with main and sub account attributes |
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