CN108961027A - Fund management method, device, computer equipment and computer readable storage medium - Google Patents
Fund management method, device, computer equipment and computer readable storage medium Download PDFInfo
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- CN108961027A CN108961027A CN201810729437.7A CN201810729437A CN108961027A CN 108961027 A CN108961027 A CN 108961027A CN 201810729437 A CN201810729437 A CN 201810729437A CN 108961027 A CN108961027 A CN 108961027A
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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
Abstract
The invention discloses a kind of fund management method, device, computer equipment and computer readable storage mediums, it is related to electronic banking technical field, it can be after extracting fund to be managed, it is i.e. executable to treat the capital managements such as the distribution, refund and clawback of managed fund operation, the relevant data of fund are counted manually without distributing business personnel, save a large amount of manpower and material resources, avoid that mistake occurs, the process to capital management is simplified, intelligence is preferably.The described method includes: receiving capital management instruction, virtual contract is created, the virtual contract instruction is to the incidence relation between the branch company and parent company of capital management；Reception fund extracts instruction, and the instruction of instruction is extracted according to the fund, fund to be managed is extracted in the branch company；When receiving the fund operational order of the parent company, the capital management operation to the fund to be managed is executed, the fund operational order at least distributes instruction, refunding instructs and call back instruction.
Description
Technical field
The present invention relates to electronic banking technical fields, more particularly to a kind of fund management method, device, computer equipment
And computer readable storage medium.
Background technique
Currently, domestic there are many company or group, their management style is run in the form of parent company-branch company
, there are multiple branch company's independent operatings in Ji Youyige parent company under parent company, and there is oneself independent account book in branch company, these
Independent account book and total account book of parent company are to separate, in this way, will have many treasury trades between branch company and parent company.
Wherein, surplus fund is a very important Funding Type.With the rapid development of electronic banking technology, for a surplus
Surplus fund can be converted to loaning bill, refund etc., reached surplus by fund, parent company when being managed to surplus fund
Fund distributes to the purpose of branch company, and the account book of parent company and branch company is mutually balanced each other.
In the related technology, parent company is when being managed surplus fund, it usually needs distribution business personnel, by business people
Member handles the relevant data of surplus fund, and then is calculated as the surplus fund that each branch company distributes how many amount.
In the implementation of the present invention, inventor find the relevant technologies the prior art has at least the following problems:
Since business personnel needs the relevant data of processing surplus fund by hand, therefore, it is necessary to expend a large amount of manpower object
Power is easy to happen mistake, causes the management to surplus fund complex, and intelligence is poor.
Summary of the invention
In view of this, the present invention provides a kind of fund management method, device, computer equipment and computer-readable storages
Medium, main purpose are to solve to need to expend a large amount of manpower and material resources at present, are easy to happen mistake, cause to surplus fund
Manage complex, the poor problem of intelligence.
According to the present invention in a first aspect, providing a kind of fund management method, this method comprises:
Capital management instruction is received, creates virtual contract, the virtual contract instruction is to the branch company of capital management and total
Incidence relation between company；
Reception fund extracts instruction, and the instruction of instruction is extracted according to the fund, is extracted in the branch company to be managed
Fund；
When receiving the fund operational order of the parent company, executes the capital management to the fund to be managed and grasp
Make, the fund operational order, which is at least, distributes instruction, refund instruction and clawback instruction.
In another embodiment, the reception capital management instruction, creates virtual contract, comprising:
When the capital management for receiving the parent company instructs, parent company's mark is extracted in capital management instruction
It is identified with branch company；
Based on parent company mark and branch company mark, the virtual contract is created.
In another embodiment, the reception fund extracts instruction, the instruction of instruction is extracted according to the fund, in institute
It states and extracts fund to be managed in branch company, comprising:
It receives the fund and extracts instruction, extracted and instructed according to the fund, generate fund and extract list, the fund mentions
List is taken to include at least the Send only Account and collection amount information of the collecting account of the parent company, the branch company；
List is extracted based on the fund, the collection amount information instruction is extracted in the collecting account of the branch company
The fund to be managed of the amount of money；
The fund to be managed is stored into the collecting account of the parent company.
In another embodiment, the reception fund extracts instruction, the instruction of instruction is extracted according to the fund, in institute
It states after extracting fund to be managed in branch company, the method also includes:
If receiving freezing of funds instruction, determine in freezing of funds instruction to the frozen capital amount of money；
It, will be described to the fund of frozen capital amount of money instruction as frozen capital described in being extracted in the fund to be managed
Frozen capital is freezed；
Correspondingly, described when receiving the fund operational order of the parent company, it executes to the fund to be managed
Capital management operation, comprising:
When receiving the fund operational order of the parent company, is determined in the fund to be managed and freeze to provide except described
Fund is operated outside gold, executes and the capital management for operating fund is operated.
In another embodiment, described when receiving the fund operational order of the parent company, execute to it is described to
The capital management of managed fund operates
When the fund operational order received is that the distribution instructs, instructed based on the distribution, creation is borrowed money
The fund to be managed of first preset cost is distributed the first object branch company indicated to the loaning bill list, institute by list
State the first logo that first preset cost and the first object branch company are included at least in loaning bill list；Or,
When the fund operational order received is that the refund instructs, instructed based on the refund, creation is refunded
The fund to be managed of second preset cost is distributed the second target branch company indicated to the refund list, institute by list
State the second logo that second preset cost and second target branch company are included at least in refund list；Or,
When the fund operational order received is that the clawback instructs, instructed based on the clawback, creation clawback
List distributes the fund to be managed of third preset cost to the third target branch company of the clawback list instruction, institute
State the third branch company mark that the third preset cost and third target branch company are included at least in clawback list.
In another embodiment, the method also includes:
When completing the execution of the fund operational order, according to the fund operational order, operation information is generated, it is described
Operation information includes at least command identification, amount information and the payment collection time of the fund operational order；
The operation information is added to capital management list, the capital management list includes at least one operation letter
Breath.
In another embodiment, the method also includes:
After completing to execute the fund operational order, if detect the fund to be managed there are surplus capital,
Count the surplus capital amount of money of the surplus capital；
Based on the surplus capital amount of money, surplus capital prompt is generated；
Show the surplus capital prompt.
Second aspect according to the present invention, provides a kind of capital management device, which includes:
Creation module creates virtual contract, the virtual contract instruction is to capital management for receiving capital management instruction
Branch company and parent company between incidence relation；
Extraction module extracts instruction for receiving fund, the instruction of instruction is extracted according to the fund, in the branch company
It is middle to extract fund to be managed；
Execution module, for executing to the fund to be managed when receiving the fund operational order of the parent company
Capital management operation, the fund operational order be at least distribute instruction, refund instruction and clawback instruction.
In another embodiment, the creation module, comprising:
Extracting sub-module, for being instructed in the capital management when the capital management for receiving the parent company instructs
Middle extraction parent company mark and branch company's mark；
Submodule is created, for creating the virtual contract based on parent company mark and branch company mark.
In another embodiment, the extraction module, comprising:
Submodule is generated, instruction is extracted for receiving the fund, is extracted and instructed according to the fund, generate fund and extract
List, the fund extract list and include at least the collecting account of the parent company, the Send only Account of the branch company and gathering
Amount information；
Extracting sub-module, for extracting list based on the fund, in the collecting account of the branch company described in extraction
The fund to be managed of the collection amount information instruction amount of money；
Sub-module stored, for storing the fund to be managed into the collecting account of the parent company.
In another embodiment, described device further include:
Determining module, if determined in freezing of funds instruction wait freeze for receiving freezing of funds instruction
Principal amount；
Freeze module, for extracting the fund to the instruction of the frozen capital amount of money in the fund to be managed as jelly
Knot fund freezes the frozen capital；
Correspondingly, the execution module is also used to when receiving the fund operational order of the parent company, it is described to
The fund that operates in addition to the frozen capital is determined in managed fund, executes and the capital management for operating fund is grasped
Make.
In another embodiment, the execution module, for being described point when the fund operational order received
It when with instruction, is instructed based on the distribution, creates loaning bill list, the fund to be managed of the first preset cost is distributed to institute
The first object branch company for stating the instruction of loaning bill list includes at least first preset cost and described the in the loaning bill list
First logo of one target branch company；Or, being based on when the fund operational order received is that the refund instructs
The refund instruction, creates refund list, the fund to be managed of the second preset cost is distributed to the refund list and is referred to
The the second target branch company shown includes at least second preset cost and second target branch company in the refund list
The second logo；Or, being referred to when the fund operational order received is that the clawback is instructed based on the clawback
It enables, creation clawback list, the fund to be managed of third preset cost is distributed to the third mesh of the clawback list instruction
Branch company is marked, the third point public affairs of the third preset cost and third target branch company are included at least in the clawback list
Department's mark.
In another embodiment, described device further include:
Information generating module, for when completing the execution of the fund operational order, according to the fund operational order,
Operation information is generated, the operation information includes at least command identification, amount information and the gathering of the fund operational order
Time；
Adding module, for the operation information to be added to capital management list, the capital management list includes extremely
A few operation information.
In another embodiment, described device further include:
Statistical module is used for after completing to execute the fund operational order, if detecting that the fund to be managed is deposited
In surplus capital, then the surplus capital amount of money of the surplus capital is counted；
Generation module is prompted, for being based on the surplus capital amount of money, generates surplus capital prompt；
Display module, for showing the surplus capital prompt.
The third aspect according to the present invention provides a kind of computer equipment, including memory and processor, the memory
It is stored with computer program, the processor realizes any one of above-mentioned first aspect the method when executing the computer program
The step of.
Fourth aspect according to the present invention provides a kind of computer readable storage medium, is stored thereon with computer program,
The computer program realizes the step of method described in any one of above-mentioned first aspect when being executed by processor.
By above-mentioned technical proposal, a kind of fund management method, device, computer equipment and computer provided by the invention
Readable storage medium storing program for executing, compared with current operation personnel handle the mode of the relevant data of fund by hand, the present invention receives fund pipe
Reason instruction, creates virtual contract, and receives fund and extract instruction, the instruction of instruction is extracted according to the fund, in described point of public affairs
Fund to be managed is extracted in department, when receiving the fund operational order of the parent company, is executed to the fund to be managed
Capital management operation, so that after extracting fund to be managed, i.e., it is executable to treat distribution, refund and clawback of managed fund etc.
Capital management operation, counts the relevant data of fund without distributing business personnel manually, saves a large amount of manpower and material resources, avoid sending out
Raw mistake simplifies the process to capital management, and intelligence is preferably.
The above description is only an overview of the technical scheme of the present invention, in order to better understand the technical means of the present invention,
And it can be implemented in accordance with the contents of the specification, and in order to allow above and other objects of the present invention, feature and advantage can
It is clearer and more comprehensible, the followings are specific embodiments of the present invention.
Detailed description of the invention
By reading the following detailed description of the preferred embodiment, various other advantages and benefits are common for this field
Technical staff will become clear.The drawings are only for the purpose of illustrating a preferred embodiment, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings:
Figure 1A shows a kind of fund management method flow diagram provided in an embodiment of the present invention；
Figure 1B shows a kind of fund management method schematic diagram provided in an embodiment of the present invention；
Fig. 1 C shows a kind of fund management method schematic diagram provided in an embodiment of the present invention；
Fig. 1 D shows a kind of fund management method schematic diagram provided in an embodiment of the present invention；
Fig. 1 E shows a kind of fund management method schematic diagram provided in an embodiment of the present invention；
Fig. 1 F shows a kind of fund management method schematic diagram provided in an embodiment of the present invention；
Fig. 1 G shows a kind of fund management method schematic diagram provided in an embodiment of the present invention；
Fig. 1 H shows a kind of fund management method flow diagram provided in an embodiment of the present invention；
Fig. 2A shows a kind of capital management structure drawing of device provided in an embodiment of the present invention；
Fig. 2 B shows a kind of capital management structure drawing of device provided in an embodiment of the present invention；
Fig. 2 C shows a kind of capital management structure drawing of device provided in an embodiment of the present invention；
Fig. 2 D shows a kind of capital management structure drawing of device provided in an embodiment of the present invention；
Fig. 2 E shows a kind of capital management structure drawing of device provided in an embodiment of the present invention；
Fig. 2 F shows a kind of capital management structure drawing of device provided in an embodiment of the present invention.
Specific embodiment
The exemplary embodiment that the present invention will be described in more detail below with reference to accompanying drawings.Although showing the present invention in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the present invention without should be by embodiments set forth here
It is limited.It is to be able to thoroughly understand the present invention on the contrary, providing these embodiments, and can be by the scope of the present invention
It is fully disclosed to those skilled in the art.
It the embodiment of the invention provides a kind of fund management method, can achieve after extracting fund to be managed, can hold
Row treats the capital managements such as the distribution, refund and clawback of managed fund operation, counts fund phase manually without distributing business personnel
The data of pass save a large amount of manpower and material resources, avoid that mistake occurs, and simplify the process to capital management, and intelligence is preferable
Purpose, as shown in Figure 1A, this method comprises:
101, when the capital management for receiving parent company instructs, parent company's mark is extracted in capital management instruction and is divided
Logo creates virtual contract based on parent company's mark and branch company's mark.
It in embodiments of the present invention, may include multiple branch companies, branch company's meeting during operation under parent company
In the presence of the fund to be managed of such as surplus fund, branch company, there is no the right dominated, needs total public affairs to these funds to be managed
Department treats managed fund and is managed, in this way, just there is any branch company in multiple branch companies to extract fund progress for parent company
The permission of management.The needs of fund is managed operation, the end of parent company are extracted in each branch company in order to meet parent company
Fund management system can be carried in end, be that parent company provides with funds management service by fund management system.Fund management system
It is the system developed on imsp_pare (integrated multi-service) platform, fund management system can use http (Hyper Text
Transport Protocol, hypertext transfer protocol) form of interface is docked to funds systems and Accreditation System.Wherein, it provides
Golden system is exactly to get flowing water information from bank, and funds systems distinguish the fund that flowing water information is related to is which kind of class belonged to automatically
How much type, actual delivery or actually collects money；The voucher of Accreditation System namely generation financially, each flowing water information is remembered
Record.
The administrative staff of parent company can log on in fund management system, and request in fund management system to which
The fund of a branch company is managed operation.In addition, fund management system can provide the setting service of administrative staff's grade, it is total public
Capital management permission can be arranged in department for fixed administrative staff, and the only administrator with capital management permission can just represent
Parent company is managed the fund in branch company, thus avoid criminal the fund in branch company steal etc. it is illegal
Operation.
Wherein, parent company can be with the client of funds download management system, and is registered in the client.Client exists
Administration portal of providing with funds in the terminal of parent company is shown when client detects that parent company triggers the capital management entrance
Virtual contract creates the page, obtains parent company's mark and branch company's mark that administrative staff input in the virtual contract creation page
Know, and determine that the capital management instruction for receiving parent company creates virtual contract based on parent company's mark and branch company's mark,
Virtual contract instruction is to the incidence relation between the branch company and parent company of capital management.Wherein, the virtual contract creation page can
Referring to Figure 1B.It as shown in Figure 1B, may include project name in the virtual contract creation page, contract type, contract title, affiliated
Company, handler and extraction main body.Wherein, project name is used to indicate the project that fund to be managed is related to；Contract type is used for
Indicate that the contract currently created is virtual contract；Contract title by creation contract administrative staff's self-setting, so as to subsequent pipe
The reason personnel based on contract virtual contract of name query；Affiliated company is used to indicate parent company；Handler is used to indicate the fund and needs
Which to be audited by administrative staff；It extracts main body and is used to indicate the branch company for extracting fund to be managed.Furthermore, it is contemplated that some items
It needs to illustrate to handler there are some cases in mesh, and hence it is also possible to increase remarks in the virtual contract creation page, so as to
Administrative staff add in remarks needs the case where illustrating.In addition, total public since there may be some in fund management system
Multiple virtual contracts respectively between multiple branch companies are taken charge of to avoid confusion to distinguish multiple virtual contracts, work as void
It draws up a contract after creating successfully, a unique contract number can be distributed for each virtual contract, and by virtual contract and close
With the corresponding storage of number.
It should be noted that since the changed frequency of branch company under each parent company is lower, in most cases
What the branch company under next parent company was usually fixed, and for some parent companys, it is corresponding there is only one
Branch company, therefore, in fund management system can be set and relationship respective column as described in Table 1 be set in the database
Table, by the storage corresponding with the branch company under it of each parent company, in this way, if administrative staff do not create in virtual contract
The capital management request that branch company identifies namely fund management system receives is inputted in the page, and there is no carry branch company's mark
Know, then fund management system can be identified according to parent company, determine that parent company identifies corresponding point of public affairs in branch company's database
Department's mark, and branch company mark is obtained, virtual contract is created based on parent company's mark and branch company mark；If administrator
Member's capital management request that input parent company mark namely fund management system do not receive in the virtual contract creation page
There is no parent company's mark is carried, then fund management system can be identified according to branch company, and determining in branch company's database should
Branch company identifies corresponding parent company's mark, and obtains parent company mark, based on parent company mark and branch company mark
Create virtual contract.Wherein, the embodiment of the present invention identifies the mode identified with branch company without specifically limiting to storage parent company
It is fixed.
Table 1
During practical application, if not carrying a point public affairs in the capital management instruction that fund management system receives
Department's mark, and the parent company's mark carried in capital management instruction corresponds to multiple branch company's marks in relationship corresponding lists, then
The available multiple branch company's marks of fund management system, generate inquiry instruction based on multiple branch companies mark, to administrative staff
Inquiry instruction is shown, to inquire that administrative staff, and will using which branch company as the branch company of subsequent carry out fund extraction
Branch company's marker extraction of the selection of administrative staff comes out, with the virtual contract of parent company's mark creation.
102, it receives fund and extracts instruction, extracted and instructed according to fund, the fund that generates extracts list, and fund extracts list extremely
Send only Account and collection amount information including the collecting account of parent company, branch company less.
In embodiments of the present invention, after the creation for completing virtual contract, parent company can refer in virtual contract
Fund to be managed is extracted in the branch company shown.Fund management system can provide fund in its client and extract entrance, work as detection
When triggering fund extraction entrance to administrative staff, display fund extracts list and generates the page, obtains administrative staff and mentions in fund
It takes list to generate the collecting account of parent company, the Send only Account of branch company and the collection amount information inputted in the page, and determines
The fund for receiving parent company extracts instruction, is based on collecting account, Send only Account and collection amount information, generates fund and extracts table
It is single.Wherein, fund, which extracts the list generation page, can be found in Fig. 1 C.As shown in Figure 1 C, it may include gathering in list that fund, which is extracted,
Account, Send only Account and collection amount information；Collecting account indicates bank account of the parent company for gathering；Send only Account instruction
Bank account of the branch company for payment；Collection amount information is used to indicate the principal amount of fund to be managed.
In addition, guaranteeing subsequent related to the fund progress managed each time to keep the management to fund brighter and clearer
It is available when the inquiry of information to arrive, fund extract list generate the page in can also add gathering classification, gathering main body,
Payment type of subject, payment main body and it is expected that collection days.Wherein, gathering classification is for providing that current fund extracts list
For providing Au plasma；Gathering main body is used to indicate parent company；The side that payment type of subject is used to indicate payment is branch company；
Payment main body is used to indicate the title of the branch company of payment；It is expected that collection days, which are used to indicate surplus fund, is transferred to parent company's account
The time at family.During practical application, it is contemplated that administrative staff need to handle a large amount of fund pipe in one day middle possibility
Reason operation extracts list for the fund of generation, and administrative staff may forget the fund and extract which void list is according to
It draws up a contract creation, is extracted in list and hence it is also possible to which virtual contract is added to fund, and then fund is extracted into list and empty
It draws up a contract and associates.
It should be noted that if being assigned with contract number in a step 101 for virtual contract, it is corresponding with virtual contract
Fund extract and can also add the contract number of corresponding virtual contract in list；If in a step 101 without being empty
It draws up a contract and distributes contract number, then add new contract number without extracting list for fund.
During practical application, for the parent company and branch company that have created virtual contract, parent company can
More funds in branch company can be needed to manage, in this way, it is different that collection amount information can be created under a virtual contract
Multiple funds extract list.It extracts collection amount information involved in list as multiple funds to be different, and effect is also
Different, therefore, list is extracted in order to distinguish the different funds that the same virtual contract generates, can be the same virtual conjunction
With multiple and different funds extract lists and distribute unique and different gathering number, so as to multiple and different fund lists into
Row is distinguished.
103, based on fund extract list, in the collecting account of branch company extract collection amount information instruction the amount of money to
Managed fund stores fund to be managed into the collecting account of parent company.
In embodiments of the present invention, after the fund of completion extracts the generation of list, due to including in fund extraction list
Collecting account, Send only Account and collection amount information, therefore, fund management system can extract list based on fund,
The fund to be managed of the collection amount information instruction amount of money is extracted in the collecting account of branch company, and fund to be managed is stored to total
In the collecting account of company.
When completing to treat the extraction of managed fund, and fund to be managed is stored to the collecting account of parent company, is considered
It may be only to management a part of fund therein, another part fund parent company for the fund to be managed extracted to parent company
Wish temporarily to do nothing, in this way, just needing another part freezing of funds, therefore, fund management system is in client
It can provide with funds in end and freeze entrance.When detecting that administrative staff trigger the freezing of funds entrance, freezing of funds page is shown
Face, obtain that administrative staff input in the freezing of funds page to the frozen capital amount of money, determine and receive freezing of funds instruction.With
Afterwards, fund management system is extracting the fund indicated to the frozen capital amount of money as frozen capital in fund to be managed, will freeze
Knot fund is freezed.Wherein, frozen capital can not be used for a series of funds behaviour such as following distribution, refund and clawback
Make.
The entrance that thaws it should be noted that fund management system can also provide with funds in the client, when detecting pipe
When reason personnel trigger the deblocking of funds entrance, the frozen capital that manager requests are thawed is thawed, is freezed after defrosting
Fund can carry out a series of funds operations such as following distribution, refund and clawback together with other funds to be managed.
104, when receiving the fund operational order of parent company, the capital management operation for treating managed fund, money are executed
Golden operational order, which is at least, distributes instruction, refund instruction and clawback instruction.
In embodiments of the present invention, after completing to treat the extraction of managed fund, managed fund can be treated and carry out pipe
Reason operation.The client of fund management system can provide with funds operation entry, when detecting that administrative staff trigger fund behaviour
When making entrance, display can currently treat the fund operation of managed fund progress, and concretely batch operation, refund are operated and returned
Dial operation.When detecting that administrative staff determine any operation in execution batch operation, refund operation and clawback operation, then really
Surely fund operational order, and the corresponding capital management operation of corresponding execution are received.Since fund operation can specifically include point
With operation, refund operation and clawback operation, in this way, the fund operational order described respectively referring to following situations one into situation three
Execution process instruction when being instructed for different operation.
Situation one, fund operational order are distribution instruction.
In embodiments of the present invention, after completing money Au plasma to be managed, parent company can take to branch company and refund
Mode, fund to be managed is distributed into branch company, at this moment, the artificial branch company of credits, the artificial parent company of debt.In this way, when connecing
When the fund operational order received is distribution instruction, fund management system can show creation loaning bill forms pages, obtain management
Personnel are based on the first preset cost and first in the first preset cost and the first logo of creation loaning bill forms pages input
Logo creates loaning bill list, and the fund to be managed of the first preset cost is distributed to the first object indicated to loaning bill list
Branch company, the first logo indicate the first object branch company of loaning bill to be received.In addition, referring to Fig. 1 D, due in situation one
Middle creation is loaning bill list, therefore, can also include debtor in creation loaning bill forms pages, creditor, value date, expire
Day, interest rate, interest conversion number of days and rate.Wherein, debtor is used to indicate parent company；Creditor is used to indicate first object point
Company, value date user indicate the date borrowed money；Expiration Date is used to indicate the date for needing to refund to loaning bill；Interest rate, benefit
Interest passbook calculates number of days and rate is used to indicate the related coefficient to draw interest in loaning bill.
It should be noted that the process of above-mentioned creation loaning bill list needs to extract in fund, list is paid to be created later,
It is paid to creating loaning bill list after fund to be managed that list is extracted in fund, and then by some or all of fund to be managed
Switch to parent company to the loaning bill of branch company.
Situation two, fund operational order are instruction of refunding.
In embodiments of the present invention, after completing money Au plasma to be managed, if there is debt in the forward direction parent company of branch company
Business, then some or all of fund to be managed can be switched to refund of the branch company to parent company by parent company, and then before counteracting
Debt of the branch company to parent company.In this way, fund management system can be with when the fund operational order received is to refund instruction
It is public in the second preset cost of creation refund forms pages input and second to obtain administrative staff for display creation refund forms pages
Department's mark, is based on the second preset cost and the second logo, refund list is created, by the fund to be managed of the second preset cost
Refund of the second target branch company to parent company as the instruction of the second logo, the second target branch company indicate to parent company
There is the second target branch company of debt.In addition, being refund list, the second target due to being created in situation two referring to Fig. 1 E
Branch company may be there is no whole debts be paid off, therefore, in creation refund forms pages also in this refund
It may include type of payment and the account payable amount of money.Wherein, type of payment indicates this payment for payment of borrowing money；Amount payable instruction
The total value of debt between second target branch company and parent company.
During practical application, due to may there is no by the second target branch company and parent company in primary refund
Between debt once pay off so that between the second target branch company and parent company still have debt, therefore, creation refund
When list, repayment schedule input function can also be set in refund list, and be based on the repayment schedule input function, it will be next
The secondary mode of repayment for needing to refund, odd corpus, remaining interest, estimated repayment date, this repayment amount and this refund interest
Etc. relevant informations typing generate refund list in, convenient for refunding next time.
It should be noted that identical as above situation one, the process of creation refund list is also required to extract list in fund
Created after paid, namely in fund to extract list paid to creating refund list after fund to be managed, so will part or
All fund to be managed switchs to refund of the branch company to parent company to person.
Situation three, fund operational order are clawback instruction.
In embodiments of the present invention, after completing money Au plasma to be managed, parent company can be to be managed by what is extracted
Fund is directly called back to branch company, pays the fund to be managed received from parent company to branch company.In this way, ought receive
When fund operational order is clawback instruction, fund management system can show that creation fund calls back forms pages, obtain administrator
Member creation fund clawback forms pages input third preset cost and third logo, based on third preset cost and the
The fund to be managed clawback of third preset cost is given back to the third mesh set the watch and singly indicated by three logos, creation clawback list
Branch company is marked, third logo indicates the third target branch company of clawback fund to be received.In addition, referring to Fig. 1 F, due to
Creating in situation three is clawback list, can also include the fund to be managed called back in creation clawback forms pages therefore
Source and the money Au plasma date and the total amount of fund to be managed etc. to be managed.
It should be noted that parent company can since parent company may extract more funds to be managed in multiple branch companies
It can wish to call back all or part extracted fund to be managed to branch company, therefore, when carrying out fund clawback, parent company
All or part of fund clawback can be initiated, more funds to be managed are summarized into generation total fund, and by the whole of total fund
Or part clawback is to branch company.
During practical application, since fund management system can provide with funds freezing function, if fund
Management system is treated managed fund and exist in freeze operation namely fund to be managed after extracting fund to be managed
Frozen capital when then receiving the fund operational order of parent company, determines grasping in addition to frozen capital in fund to be managed
Make fund, executes and the capital management that can operate fund is operated.
105, when completing the execution of fund operational order, according to fund operational order, operation information is generated, operation is believed
Breath is added to capital management list, and capital management list includes at least one operation information.
In embodiments of the present invention, since fund extraction, fund distribution, fund can be related in fund management system also
A variety of operations such as money and fund clawback, in order to be recorded to the operation being related to, and then the definitely shift direction of fund,
To check in the subsequent operation to fund, capital management list is produced, and in the execution for completing fund operational order
When, according to fund operational order, operation information is generated, operation information is added to capital management list.Wherein, operation information is extremely
It less include command identification, amount information and the payment collection time of fund operational order.
It may include command identification, the amount of money of the fund operational order completed referring to Fig. 1 G, in capital management list
Information and payment collection time.In addition, if extracting list when generating fund extraction list in a step 102 for fund and being assigned with
The corresponding fund of fund to be managed then can be extracted list in generating capital management list by unique and different gathering number
Gathering number also add, the embodiment of the present invention to generate capital management list mode without specifically limiting.
During practical application, due to the time same in fund management system, there may be a large amount of capital managements to grasp
Make, if just recorded to capital management operation whenever completing a capital management operation, may cause capital management
There is the operation information that a large amount of parallel needs are recorded in system, in this way, huge load will be born to fund management system.
In order to avoid fund management system may collapse under huge load, fund management system can be using following two ways to money
Golden operational order is recorded.
The default management cycle is arranged in mode one, every the default management cycle, carries out to the fund operational order completed
It counts and records.
When counting to the fund operational order completed, fund management system can determine that the last time unites
The first time point of meter and the second time point being presently in, to a variety of moneys completed between first time point and the second time point
Golden operational order is counted, and multiple operation informations that statistics obtains are added to capital management list.Further, it will unite
When multiple operation informations that meter obtains are added in capital management list, the second time point and statistics can also be obtained multiple
Operation information is added to together in capital management list, so as to clearly multiple operation informations be added in capital management list when
Between.
Mode two is counted and is recorded to the whole fund operational orders completed by the end of current point in time.
In embodiments of the present invention, it determines current point in time, the whole funds operation completed before current point in time is referred to
Order is counted, and obtains all operationss information of whole fund operational orders, and based on obtained all operationss information to fund
Content in management list is covered, and then realizes the update of capital management list.
Wherein, the embodiment of the present invention is added to capital management list to the generation opportunity of operation information and by operation information
In mode without specifically limiting.
106, after completing execution fund operational order, if detecting fund to be managed, there are surplus capitals, count
The surplus capital amount of money of surplus capital is based on the surplus capital amount of money, generates surplus capital prompt, shows surplus capital prompt.
In embodiments of the present invention, it is contemplated that parent company, may will not be complete when treating managed fund and being managed
The fund to be managed in portion carries out batch operation, refunding operates and call back the capital managements such as operation operation, namely extracts band
There are surplus capitals for fund to be managed, in this way, just needing to count the surplus capital amount of money of surplus capital in fund to be managed, are based on
The surplus capital amount of money generates surplus capital prompt, and shows that surplus capital prompts, to remind parent company, so that always
Company knows that there is also the surplus capitals that can be managed in current fund to be managed.
It, can be by executing management of the process realization of Fig. 1 H to fund referring to Fig. 1 H during practical application:
When receiving capital management instruction, establish virtual between the parent company and branch company that capital management instruction is related to
Contract；Then, when the fund that receives extracts instruction, creation fund extracts list, mentions in the branch company of virtual contract instruction
Take fund to be managed；Finally, receiving fund operational order, if fund operational order is distribution instruction, managed fund is treated
Execute batch operation；If fund operation is instruction of refunding, treats managed fund and execute operation of refunding；If fund operation is
Clawback instruction then treats managed fund and executes clawback operation.
Fund management method provided in an embodiment of the present invention creates virtual contract, and connect by receiving capital management instruction
Receipts fund extracts instruction, and the instruction of instruction is extracted according to the fund, fund to be managed is extracted in the branch company, works as reception
To the parent company fund operational order when, execute and the capital management of the fund to be managed operated, can extract
It is after fund to be managed, i.e., executable to treat the capital managements such as the distribution, refund and clawback of managed fund operation, without the business of distributing
Personnel count the relevant data of fund manually, save a large amount of manpower and material resources, avoid that mistake occurs, simplify to capital management
Process, intelligence is preferably.
Further, the specific implementation as Figure 1A method, the embodiment of the invention provides a kind of capital management devices, such as
Shown in Fig. 2A, device includes: creation module 201, extraction module 202 and execution module 203.
The creation module 201 creates virtual contract, virtual contract instruction is to fund pipe for receiving capital management instruction
Incidence relation between the branch company and parent company of reason；
The extraction module 202 extracts instruction for receiving fund, the instruction of instruction is extracted according to fund, in branch company
Extract fund to be managed；
The execution module 203, for executing the money for treating managed fund when receiving the fund operational order of parent company
Gold management operates, and fund operational order at least distributes instruction, refunding instructs and call back instruction.
Capital management device provided in an embodiment of the present invention creates virtual contract, and connect by receiving capital management instruction
Receipts fund extracts instruction, and the instruction of instruction is extracted according to fund, fund to be managed is extracted in branch company, when receiving parent company
Fund operational order when, execute treat managed fund capital management operation, can be after extracting fund to be managed
The capital managements such as the distribution, refund and clawback of managed fund operation is treated in execution, counts fund manually without distributing business personnel
Relevant data save a large amount of manpower and material resources, avoid that mistake occurs, and simplify the process to capital management, intelligence is preferably.
In specific application scenarios, as shown in Figure 2 B, creation module 201 is specifically included: extracting sub-module 2011 and wound
Build submodule 2012.
The extracting sub-module 2011, for when receive parent company capital management instruct when, capital management instruction in
Extract parent company's mark and branch company's mark；
The creation submodule 2012, for creating virtual contract based on parent company's mark and branch company's mark.
In specific application scenarios, as shown in Figure 2 C, extraction module 202 is specifically included: being generated submodule 2021, is mentioned
Take submodule 2022 and sub-module stored 2023.
The generation submodule 2021 extracts instruction for receiving fund, is extracted and instructed according to fund, generates fund and extract table
Single, fund extracts the Send only Account and collection amount information that list includes at least the collecting account of parent company, branch company；
The extracting sub-module 2022 extracts gathering gold for extracting list based on fund in the collecting account of branch company
The fund to be managed of the volume information instruction amount of money；
The sub-module stored 2023, for storing fund to be managed into the collecting account of parent company.
In specific application scenarios, as shown in Figure 2 D, which further includes determining module 204 and freezes module 205.
The determining module 204, if determined in freezing of funds instruction wait freeze for receiving freezing of funds instruction
Principal amount；
This freezes module 205, freezes for extracting the fund indicated to the frozen capital amount of money in fund to be managed and being used as
Fund freezes frozen capital；
Correspondingly, the execution module 203 is also used to when receiving the fund operational order of parent company, in money to be managed
The fund that operates in addition to frozen capital is determined in gold, executes and the capital management that can operate fund is operated.
In specific application scenarios, the execution module 203, for being distribution instruction when the fund operational order received
When, based on distribution instruction, create loaning bill list, by the fund to be managed of the first preset cost distribute to loaning bill list indicate the
One target branch company includes at least the first logo of the first preset cost and first object branch company in loaning bill list；Or,
When the fund operational order received is to refund instruction, based on instruction of refunding, refund list is created, by the second preset cost
Fund to be managed distributes the second target branch company indicated to refund list, include at least in refund list the second preset cost and
Second logo of the second target branch company；Or, being referred to when the fund operational order received is clawback instruction based on clawback
It enabling, creation clawback list distributes the fund to be managed of third preset cost to the third target branch company of clawback list instruction,
Call back the third branch company mark that third preset cost and third target branch company are included at least in list.
In specific application scenarios, as shown in Figure 2 E, which further includes information generating module 206 and adding module
207。
The information generating module 206, for according to fund operational order, giving birth to when completing the execution of fund operational order
At operation information, operation information includes at least command identification, amount information and the payment collection time of fund operational order；
The adding module 207, for operation information to be added to capital management list, capital management list includes at least one
A operation information.
In specific application scenarios, as shown in Figure 2 F, which further includes statistical module 208, prompts generation module 209
With display module 210.
The statistical module 208, for being remained if detecting that fund to be managed exists after completing execution fund operational order
Remaining fund then counts the surplus capital amount of money of surplus capital；
The prompt generation module 209 generates surplus capital prompt for being based on the surplus capital amount of money；
The display module 210, for showing that surplus capital prompts.
It should be noted that other of each functional unit involved by a kind of capital management device provided in an embodiment of the present invention
Corresponding description, can be with reference to the corresponding description in Figure 1A, and details are not described herein.
Based on above-mentioned method as shown in Figure 1A, correspondingly, the embodiment of the invention also provides a kind of computer equipments, including
Memory and processor, the memory are stored with computer program, and the processor is realized when executing the computer program
Above-mentioned fund management method as shown in Figure 1A.
Based on above-mentioned method as shown in Figure 1A, correspondingly, the embodiment of the invention also provides a kind of computer-readable storages
Medium, is stored thereon with computer program, and the computer program realizes above-mentioned money as shown in Figure 1A when being executed by processor
Golden management method.
Through the above description of the embodiments, those skilled in the art can be understood that the application can lead to
Hardware realization is crossed, the mode of necessary general hardware platform can also be added to realize by software.Based on this understanding, this Shen
Technical solution please can be embodied in the form of software products, which can store in a non-volatile memories
In medium (can be CD-ROM, USB flash disk, mobile hard disk etc.), including some instructions are used so that a computer equipment (can be
Personal computer, server or network equipment etc.) execute method described in each implement scene of the application.
It will be appreciated by those skilled in the art that the accompanying drawings are only schematic diagrams of a preferred implementation scenario, module in attached drawing or
Process is not necessarily implemented necessary to the application.
It will be appreciated by those skilled in the art that the module in device in implement scene can be described according to implement scene into
Row is distributed in the device of implement scene, can also be carried out corresponding change and is located at the one or more dresses for being different from this implement scene
In setting.The module of above-mentioned implement scene can be merged into a module, can also be further split into multiple submodule.
Above-mentioned the application serial number is for illustration only, does not represent the superiority and inferiority of implement scene.
Disclosed above is only several specific implementation scenes of the application, and still, the application is not limited to this, Ren Heben
What the technical staff in field can think variation should all fall into the protection scope of the application.
Claims (10)
1. a kind of fund management method characterized by comprising
Capital management instruction is received, virtual contract is created, the virtual contract indicates branch company and parent company to capital management
Between incidence relation；
Reception fund extracts instruction, and the instruction of instruction is extracted according to the fund, fund to be managed is extracted in the branch company；
When receiving the fund operational order of the parent company, executes the capital management to the fund to be managed and operate, institute
Fund operational order is stated at least to distribute instruction, refund instruction and call back instruction.
2. creating virtual contract the method according to claim 1, wherein the reception capital management instructs, wrap
It includes:
When the capital management for receiving the parent company instructs, parent company's mark is extracted in capital management instruction and is divided
Logo；
Based on parent company mark and branch company mark, the virtual contract is created.
3. being mentioned the method according to claim 1, wherein the reception fund extracts instruction according to the fund
Fund to be managed is extracted in the instruction of instruction fetch in the branch company, comprising:
It receives the fund and extracts instruction, extracted and instructed according to the fund, the fund that generates extracts list, and the fund extracts table
List includes at least the Send only Account and collection amount information of the collecting account of the parent company, the branch company；
List is extracted based on the fund, the collection amount information instruction amount of money is extracted in the collecting account of the branch company
Fund to be managed；
The fund to be managed is stored into the collecting account of the parent company.
4. being mentioned the method according to claim 1, wherein the reception fund extracts instruction according to the fund
The instruction of instruction fetch, after fund to be managed is extracted in the branch company, the method also includes:
If receiving freezing of funds instruction, determine in freezing of funds instruction to the frozen capital amount of money；
The fund to the instruction of the frozen capital amount of money is extracted in the fund to be managed as frozen capital, is freezed described
Freezing of funds；
Correspondingly, described when receiving the fund operational order of the parent company, execute the fund to the fund to be managed
Management operation, comprising:
When receiving the fund operational order of the parent company, determined in addition to the frozen capital in the fund to be managed
Operate fund, execute and the capital management for operating fund operated.
5. the method according to claim 1, wherein described when the fund operational order for receiving the parent company
When, executing the capital management operation to the fund to be managed includes:
When the fund operational order received is that the distribution instructs, is instructed based on the distribution, creates loaning bill list,
The fund to be managed of first preset cost is distributed to the first object branch company indicated to the loaning bill list, the loaning bill
The first logo of first preset cost and the first object branch company is included at least in list；Or,
When the fund operational order received is that the refund instructs, is instructed based on the refund, creates refund list,
The fund to be managed of second preset cost is distributed to the second target branch company indicated to the refund list, the refund
The second logo of second preset cost and second target branch company is included at least in list；Or,
It when the fund operational order received is that the clawback instructs, is instructed based on the clawback, creation clawback list,
The fund to be managed of third preset cost is distributed to the third target branch company of the clawback list instruction, the clawback
The third branch company mark of the third preset cost and third target branch company is included at least in list.
6. the method according to claim 1, wherein the method also includes:
When completing the execution of the fund operational order, according to the fund operational order, operation information, the operation are generated
Information includes at least command identification, amount information and the payment collection time of the fund operational order；
The operation information is added to capital management list, the capital management list includes at least one operation information.
7. the method according to claim 1, wherein the method also includes:
After completing to execute the fund operational order, if detecting the fund to be managed, there are surplus capitals, count
The surplus capital amount of money of the surplus capital；
Based on the surplus capital amount of money, surplus capital prompt is generated；
Show the surplus capital prompt.
8. a kind of capital management device characterized by comprising
Creation module creates virtual contract, point of the virtual contract instruction to capital management for receiving capital management instruction
Incidence relation between company and parent company；
Extraction module extracts instruction for receiving fund, the instruction of instruction is extracted according to the fund, is mentioned in the branch company
Take fund to be managed；
Execution module, for executing the money to the fund to be managed when receiving the fund operational order of the parent company
Gold management operates, and the fund operational order at least distributes instruction, refunding instructs and call back instruction.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810729437.7A CN108961027A (en) | 2018-07-05 | 2018-07-05 | Fund management method, device, computer equipment and computer readable storage medium |
| PCT/CN2018/111661 WO2020006936A1 (en) | 2018-07-05 | 2018-10-24 | Fund management method and apparatus, computer device, and computer-readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810729437.7A CN108961027A (en) | 2018-07-05 | 2018-07-05 | Fund management method, device, computer equipment and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108961027A true CN108961027A (en) | 2018-12-07 |
Family
ID=64485957
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810729437.7A Withdrawn CN108961027A (en) | 2018-07-05 | 2018-07-05 | Fund management method, device, computer equipment and computer readable storage medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN108961027A (en) |
| WO (1) | WO2020006936A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109711993A (en) * | 2018-12-11 | 2019-05-03 | 深圳市佰仟金融服务有限公司 | Fund launches control method, device and terminal device |
| CN110147441A (en) * | 2019-04-03 | 2019-08-20 | 平安科技（深圳）有限公司 | Data integration display method and device, terminal equipment and medium |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101034411B (en) * | 2007-04-09 | 2016-05-11 | 招商银行股份有限公司 | A kind of computer data processing system and processing method and application |
| CN101908179A (en) * | 2010-08-17 | 2010-12-08 | 中国建设银行股份有限公司 | Inter-bank capital account collection management method |
| CN106384286A (en) * | 2016-09-19 | 2017-02-08 | 国网能源研究院 | Internal capital transfer pricing calculation method |
| CN108073454A (en) * | 2016-11-15 | 2018-05-25 | 阿里巴巴集团控股有限公司 | Resource transfers method and system, headend equipment and rear end equipment |
-
2018
- 2018-07-05 CN CN201810729437.7A patent/CN108961027A/en not_active Withdrawn
- 2018-10-24 WO PCT/CN2018/111661 patent/WO2020006936A1/en active Application Filing
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109711993A (en) * | 2018-12-11 | 2019-05-03 | 深圳市佰仟金融服务有限公司 | Fund launches control method, device and terminal device |
| CN110147441A (en) * | 2019-04-03 | 2019-08-20 | 平安科技（深圳）有限公司 | Data integration display method and device, terminal equipment and medium |
| CN110147441B (en) * | 2019-04-03 | 2022-05-13 | 平安科技（深圳）有限公司 | Data integration display method and device, terminal equipment and medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020006936A1 (en) | 2020-01-09 |
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