CN109272400A

CN109272400A - Method for processing resource and device

Info

Publication number: CN109272400A
Application number: CN201811142294.6A
Authority: CN
Inventors: 盛旭嫣
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2018-09-28
Filing date: 2018-09-28
Publication date: 2019-01-25

Abstract

This specification one or more embodiment discloses a kind of method for processing resource and device, is intelligently managed to resource to realize, to improve the efficiency of resource management.The described method includes: determining the resource information for the first account being mutually related in multiple resource accounts；When the resource information, which meets preset resource, allots condition, determine that the resource for the resource in first account allots rule；It generates resource for the resource in first account, alloting rule comprising the resource and allots task；Rule is alloted according to the resource, the resource is executed to the resource in first account and allots task.

Description

Method for processing resource and device

Technical field

This specification is related to technical field of data processing more particularly to a kind of method for processing resource and device.

Background technique

In the prior art, it is all made of labor management mode in resource management and manages hundreds of resource accounts that are mutually related Family, for example, the operation such as being transferred to, producing by manually carrying out resource between multiple resource accounts.This management of liquidity due to Higher cost, therefore once there is risk, it is impacted to will lead to related business.

By taking labor management fund as an example, hundreds of payment account and banks of being mutually related are managed by labor management mode Account, i.e., fund allocation and transfer operation manually being carried out between payment account and bank account, (as transferred accounts manually, manual Internetbank is supplemented with money Deng).There are following two defects for this mode: firstly, when manually carrying out fund allocation and transfer, to avoid high-frequency fund from operating, Most funds would generally be disposably alloted, this will lead to the retention problems of fund；Secondly, manually alerting (such as fund according to fund Water level alarm more low/high) when carrying out fund allocation and transfer, not only artificial input cost is high, operating cost is high, and increases in fund account It is difficult to manage in the case where more；Again, it manually carries out not can guarantee the accuracy alloted when fund allocation and transfer, so as to cause fund pipe The risk of reason is higher.

As known from the above, there are many defects by the way of labor management resource, need a kind of more preferable, more efficient money Power supply management method substitutes existing labor management resource allocation method.

Summary of the invention

The purpose of this specification one or more embodiment is to provide a kind of method for processing resource and device, to realize intelligence Energyization resource is managed, to improve the efficiency of resource management.

In order to solve the above technical problems, this specification one or more embodiment is achieved in that

On the one hand, this specification one or more embodiment provides a kind of method for processing resource, comprising:

Determine the resource information for the first account being mutually related in multiple resource accounts；

When the resource information, which meets preset resource, allots condition, determine for the resource in first account Resource allots rule；

It generates resource for the resource in first account, alloting rule comprising the resource and allots task；

Rule is alloted according to the resource, the resource is executed to the resource in first account and allots task.

In one embodiment, the determination allots rule for the resource of the resource in first account, comprising:

It obtains preset each resource information and resource allots corresponding relationship between rule；

According to the corresponding relationship, determine that resource corresponding with the resource information allots rule.

In one embodiment, the resource is alloted rule and is included at least one of the following:

Resource at least one described resource account is transferred to the rule of first account；

Resource in first account is produced to the rule of resource account described at least one；

Resource in first account is collected to the rule of specified resource account.

In one embodiment, described to allot rule according to the resource, institute is executed to the resource in first account It states resource and allots task, comprising:

If the resource information is that the resource is less than the first preset threshold, or, the resource information is that inflow resource is few In outflow resource, then the resource at least one described resource account is transferred to first account；

If the resource information is that the resource is more than the second preset threshold, or, the resource information is that inflow resource is more In outflow resource, then the resource in first account is produced to resource account described at least one；

If the resource information is that the resource is more than third predetermined threshold value, the resource in first account is collected To specified resource account.

In one embodiment, the determination be mutually related the first account in multiple resource accounts resource information it Before, further includes:

Newly-built resource acquisition time rule, when the resource acquisition time rule is used to determine the acquisition of the resource information Between；

The resource information of the first account in multiple resource accounts correspondingly, the determination is mutually related, comprising:

According to the resource acquisition time rule, the resource for the first account being mutually related in multiple resource accounts is determined Information.

On the other hand, this specification one or more embodiment provides a kind of fund allocation method, comprising:

Determine the fund information for the first account being mutually related in multiple fund accounts；

When the fund information meets preset fund allocation and transfer condition, determine for the fund in first account Fund allocation and transfer rule；

Generate fund allocation and transfer task for the fund in first account, comprising the fund allocation and transfer rule；

According to the fund allocation and transfer rule, the fund allocation and transfer task is executed to the fund in first account.

In one embodiment, fund allocation and transfer rule of the determination for the fund in first account, comprising:

Obtain the corresponding relationship between preset each fund information and fund allocation and transfer rule；

According to the corresponding relationship, fund allocation and transfer rule corresponding with the fund information is determined.

In one embodiment, the fund allocation and transfer rule includes at least one of the following:

The rule supplemented with money from fund account described at least one to first account；

It withdraws deposit from first account to the rule of fund account described at least one；

Fund in first account is collected to the rule of specified fund account.

In one embodiment, described according to the fund allocation and transfer rule, institute is executed to the resource in first account It states resource and allots task, comprising:

If the fund information is that the fund is lower than the first preset threshold, or, the fund information is that inflow fund is small In outflow fund, then supplemented with money from fund account described at least one to first account；

If the fund information is that the fund is higher than the second preset threshold, or, the fund information is that inflow fund is big In outflow fund, then withdraw deposit from first account to fund account described at least one；

If the fund information is that the fund is higher than third predetermined threshold value, the fund in first account is collected To specified fund account.

In one embodiment, the determination be mutually related the first account in multiple fund accounts fund information it Before, further includes:

Newly-built fund acquisition time rule, when the fund acquisition time rule is used to determine the acquisition of the fund information Between；

The fund information of the first account in multiple fund accounts correspondingly, the determination is mutually related, comprising:

According to the fund acquisition time rule, the fund for the first account being mutually related in multiple fund accounts is determined Information.

In another aspect, this specification one or more embodiment provides a kind of resource processing unit, comprising:

First determining module, for determining the resource information for the first account being mutually related in multiple resource accounts；

Second determining module, for determining for described when the resource information meets preset resource and allots condition The resource of resource in first account allots rule；

First generation module, for generate the resource being directed in first account, comprising the resource allot rule Resource allot task；

First execution module, for alloting rule according to the resource, to described in the resource execution in first account Resource allots task.

In one embodiment, second determining module includes:

First acquisition unit, for obtaining preset each resource information and resource allots corresponding relationship between rule；

First determination unit, for determining that resource corresponding with the resource information is alloted according to the corresponding relationship Rule.

In one embodiment, first execution module includes:

First is transferred to unit, if being that the resource is less than the first preset threshold for the resource information, or, the resource Information is to flow into resource less than outflow resource, then the resource at least one described resource account is transferred to first account；

First produces unit, if being that the resource is more than the second preset threshold for the resource information, or, the resource Information is to flow into resource more than outflow resource, then produces the resource in first account to resource account described at least one Family；

First collects unit, if being that the resource is more than third predetermined threshold value for the resource information, by described the Resource in one account is collected to specified resource account.

In one embodiment, described device further include:

First newly-built module, the resource information for the first account being mutually related in multiple resource accounts for the determination Before, resource acquisition time rule is created, the resource acquisition time rule is used to determine the acquisition time of the resource information；

Correspondingly, first determining module includes:

Second determination unit, for determining multiple resource accounts that are mutually related according to the resource acquisition time rule In the first account resource information.

In another aspect, this specification one or more embodiment provides a kind of fund allocation device, comprising:

Third determining module, for determining the fund information for the first account being mutually related in multiple fund accounts；

4th determining module, for determining for described when the fund information meets preset fund allocation and transfer condition The fund allocation and transfer rule of fund in first account；

Second generation module, it is for the fund in first account, regular comprising the fund allocation and transfer for generating Fund allocation and transfer task；

Second execution module, for regular according to the fund allocation and transfer, to described in the fund execution in first account Fund allocation and transfer task.

In one embodiment, the 4th determining module includes:

Second acquisition unit, for obtaining the corresponding relationship between preset each fund information and fund allocation and transfer rule；

Third determination unit, for determining fund allocation and transfer corresponding with the fund information according to the corresponding relationship Rule.

Fund in first account is collected to the rule of specified fund account.

In one embodiment, second execution module includes:

Second is transferred to unit, if being that the fund is lower than the first preset threshold for the fund information, or, the fund Information is that inflow fund is less than outflow fund, then is supplemented with money from fund account described at least one to first account；

Second produces unit, if being that the fund is higher than the second preset threshold for the fund information, or, the fund Information is that inflow fund is greater than outflow fund, then withdraws deposit from first account to fund account described at least one；

Second collects unit, if being that the fund is higher than third predetermined threshold value for the fund information, by described the Fund in one account is collected to specified fund account.

In one embodiment, described device further include:

Second newly-built module, the fund information for the first account being mutually related in multiple fund accounts for the determination Before, fund acquisition time rule is created, the fund acquisition time rule is used to determine the acquisition time of the fund information；

Correspondingly, the third determining module includes:

4th determination unit, for determining multiple fund accounts that are mutually related according to the fund acquisition time rule In the first account fund information.

In another aspect, this specification one or more embodiment provides a kind of fund allocation system, including fund allocation and transfer are put down Platform, fund liability management platform and account management center；Wherein:

The fund liability management platform, for determining multiple fund accounts that are mutually related from the account management center In the first account fund information；When the fund information meets preset fund allocation and transfer condition, determine for described the The fund allocation and transfer rule of fund in one account；Generate it is for the fund in first account, include the fund allocation and transfer The fund allocation and transfer task of rule；

The fund allocation and transfer platform fishes for the fund allocation and transfer task for triggering the fund liability management platform；

The fund liability management platform is also used to fish for the fund allocation and transfer task；It is regular according to the fund allocation and transfer, The fund allocation and transfer task is executed to the fund in first account.

In one embodiment, the fund allocation and transfer platform is also used to create each fund information and fund allocation and transfer rule Between corresponding relationship；

Correspondingly, the fund liability management platform, is also used to obtain each fund letter from the fund allocation and transfer platform Corresponding relationship between breath and fund allocation and transfer rule；Fund corresponding with the fund information is determined according to the corresponding relationship Allot rule.

Fund in first account is collected to the rule of specified fund account.

In one embodiment, the fund liability management platform is also used to:

In one embodiment, the fund allocation and transfer platform, is also used to newly-built fund acquisition time rule, and the fund obtains Take time rule for determining the acquisition time of the fund information；

Correspondingly, the fund liability management platform, is also used to obtain the fund acquisition from the fund allocation and transfer platform Time rule；According to the fund acquisition time rule, the money for the first account being mutually related in multiple fund accounts is determined Golden information.

In one embodiment, the system also includes payment Acceptance Platforms；

Correspondingly, the fund allocation and transfer platform, is also used to when executing the fund allocation and transfer task, accepted to the payment Platform, which is sent, accepts request with what the fund allocation and transfer task matched；

The payment Acceptance Platform executes the fund allocation and transfer task for accepting request according to, and will be directed to institute State fund liability management platform described in the implementing result value of feedback of fund allocation and transfer task.

In another aspect, this specification one or more embodiment provides a kind of resource processing arrangements, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed Manage device:

In another aspect, this specification one or more embodiment provides a kind of fund allocation equipment, comprising:

Processor；And

In another aspect, the embodiment of the present application provides a kind of storage medium, for storing computer executable instructions, it is described can It executes instruction and realizes following below scheme when executed:

Using the technical solution of this specification one or more embodiment, by determining multiple resource accounts that are mutually related In the resource information of the first account determine and be directed to the first account and when resource information meets preset resource and allots condition In the resource of resource allot rule, and then generate resource for the resource in the first account, that rule is alloted comprising resource Task is alloted, and allots rule according to resource and task is alloted to the resource execution resource in the first account.As it can be seen that the technical solution Realize the purpose intelligently alloted to resource, compared to the prior art in by the way of manually alloting resource and Speech, it is more efficient, less error-prone which allot resource, to reduce the cost and risk of resource management.

Further, which can create resource acquisition time rule, and true according to resource acquisition time rule Surely the resource information for the first account being mutually related in multiple resource accounts, and then the resource of the first account is alloted. Therefore, which obtains resource information according to certain resource acquisition time rule and allots resource, so that resource is alloted With regular hour regularity, the problem of caused resource is detained when manually disposably alloting more resource is avoided.

Detailed description of the invention

In order to illustrate more clearly of this specification one or more embodiment or technical solution in the prior art, below will A brief introduction will be made to the drawings that need to be used in the embodiment or the description of the prior art, it should be apparent that, it is described below Attached drawing is only some embodiments recorded in this specification one or more embodiment, and those of ordinary skill in the art are come It says, without any creative labor, is also possible to obtain other drawings based on these drawings.

Fig. 1 is the schematic flow chart according to a kind of method for processing resource of one embodiment of this specification；

Fig. 2 is the schematic flow chart according to a kind of fund allocation method of one embodiment of this specification；

Fig. 3 is the schematic flow chart according to a kind of fund allocation method of another embodiment of this specification；

Fig. 4 is the schematic block diagram according to a kind of fund allocation system of one embodiment of this specification；

Fig. 5 is the schematic flow chart according to the fund allocation method of this specification specific embodiment one；

Fig. 6 is the schematic flow chart according to the fund allocation method of this specification specific embodiment two；

Fig. 7 is the schematic block diagram according to a kind of resource processing unit of one embodiment of this specification；

Fig. 8 is the schematic block diagram according to a kind of fund allocation device of one embodiment of this specification；

Fig. 9 is the schematic block diagram according to a kind of resource processing arrangements of one embodiment of this specification；

Figure 10 is the schematic block diagram according to a kind of fund allocation equipment of one embodiment of this specification.

Specific embodiment

This specification one or more embodiment provides a kind of method for processing resource and device, intelligently right to realize Resource is managed, to improve the efficiency of resource management.

In order to make those skilled in the art more fully understand the technical solution in this specification one or more embodiment, Below in conjunction with the attached drawing in this specification one or more embodiment, to the technology in this specification one or more embodiment Scheme is clearly and completely described, it is clear that and described embodiment is only this specification a part of the embodiment, rather than Whole embodiments.Based on this specification one or more embodiment, those of ordinary skill in the art are not making creativeness The model of this specification one or more embodiment protection all should belong in every other embodiment obtained under the premise of labour It encloses.

Fig. 1 be according to a kind of schematic flow chart of method for processing resource of one embodiment of this specification, as shown in Figure 1, This method comprises:

S102 determines the resource information for the first account being mutually related in multiple resource accounts.

Wherein, multiple resource accounts that are mutually related refer to the multiple resource accounts for having resource contact relationship between each other, example Such as, multiple resource accounts of same user correspond to unique identity information (such as ID card information, address name), the user's Multiple resource accounts are multiple resource accounts that are mutually related.

First account can be any destiny account in multiple resource accounts, and the resource in first account is according to its money Source information is accordingly alloted.

S104 determines the money for the resource in the first account when resource information, which meets preset resource, allots condition Allot rule in source.

Wherein, the preset resource condition of alloting may include at least one of following: resource is more less than the first preset threshold, resource In the second preset threshold, resource is flowed into less than outflow resource, inflow resource more than outflow resource etc..

Resource information meets different resources when alloting condition, allots rule not for the resource of the resource in the first account Together.That is, different resource informations, which corresponds to different resources, allots rule.Therefore, in one embodiment, can obtain first default Each resource information and resource allot the corresponding relationship between rule, and then it is opposite with resource information according to corresponding relationship determination The resource answered allots rule.

S106 generates resource for the resource in the first account, alloting rule comprising resource and allots task.

Wherein, resource allots regular include at least one of the following: and the resource at least one resource account is transferred to first The rule of account；Resource in first account is produced to the rule of at least one resource account；By the resource in the first account It collects to the rule of specified resource account.It may specify that any resource account in multiple resource accounts is specified resource account.

Resource allots task in addition to alloting rule comprising resource, may also include the account information of the first account, wait allot Resource quantity, resource type, resource allot account information of other accounts involved in rule etc..Resource is alloted involved by rule And other accounts refer to that resource allots the account involved in rule in addition to the first account.For example, if resource allots rule For the rule that the resource at least one resource account is transferred to the first account, then resource allots other accounts involved in rule To carry out at least one resource account that resource is transferred to；If resource allots rule to produce the resource in the first account at least The rule of one resource account, then it is to receive in the first account to produce resource that resource, which allots other accounts involved in rule, At least one resource account；If it is to collect the resource in the first account to the rule of specified resource account that resource, which allots rule, It is specified resource account that then resource, which allots other accounts involved in rule,.

S108 allots rule according to resource, executes resource to the resource in the first account and allots task.

In one embodiment, rule is alloted according to resource, when alloting task to the resource execution resource in the first account, Specifically it can be performed as following several situations:

If resource information is that resource is less than the first preset threshold, or, resource information is to flow into resource less than outflow resource, then Resource at least one resource account is transferred to the first account.In this case, by will be at least one resource account Resource is transferred to the first account, and it is very few and lead to relevant risk to avoid the resource in the first account.

If resource information is that resource is more than the second preset threshold, or, resource information is to flow into resource more than outflow resource, then Resource in first account is produced at least one resource account.In this case, by turning the resource in the first account Out at least one resource account, resource is produced in time when enabling the resource in the first account more, to improve money Utilization rate of the source at least one resource account.

If resource information is that resource is more than third predetermined threshold value, the resource in the first account is collected to specified resource account Family.In this case, by collecting the resource in the first account to specified resource account, so that the resource mistake in the first account It can be collected in time when more, to improve the utilization rate for collecting resource together in specified resource account.

Wherein, third predetermined threshold value can be identical, also different from the second preset threshold.

In one embodiment, resource acquisition time rule can be created in advance, and the resource acquisition time rule is for determining The acquisition time of resource information., can be according to resource acquisition time rule based on this, determination is mutually related in multiple resource accounts The first account resource information.

Resource acquisition time rule can be the rule of timing, interval etc. of fixing time.For example, if resource acquisition time rule For clocking discipline, it is assumed that timing every morning 9:00, then the resource letter in the first account should be determined in every morning 9:00 Breath, and meet in resource information and accordingly alloted when resource allots condition.If resource acquisition time rule is interval of fixing time Rule, it is assumed that be divided between fixing time every 24 hours, then the resource in the first account should be determined when every 24 hours Information, and meet in resource information and accordingly alloted when resource allots condition.

In the embodiment, by obtaining resource information according to certain resource acquisition time rule and alloting resource, so that Resource is alloted with regular hour regularity, and manually asking of being detained of caused resource when disposably alloting more resource is avoided Topic.

Method for processing resource provided by the above embodiment can be applied in several scenes, as resource be fund when to fund To processing scene of cargo etc. when processing scene, resource are cargo.How to be utilized in fund allocation scene described further below upper State management of the method realization to fund.

Fig. 2 be according to a kind of schematic flow chart of fund allocation method of one embodiment of this specification, as shown in Fig. 2, This method comprises:

S202 determines the fund information for the first account being mutually related in multiple fund accounts.

Wherein, multiple fund accounts that are mutually related refer to the multiple fund accounts for having treasury trade relationship between each other, example Such as, corresponding unique identity information (such as identity card of multiple fund accounts (including bank account and payment account) of same user Information, address name etc.), multiple fund accounts of the user are multiple fund accounts that are mutually related.

First account can be any destiny account in multiple fund accounts, and the fund in first account is according to its money Golden information is accordingly alloted.

S204 determines the money for the fund in the first account when fund information meets preset fund allocation and transfer condition Gold allots rule.

Wherein, preset fund allocation and transfer condition may include at least one of following: fund is high lower than the first preset threshold, fund In the second preset threshold, fund is flowed into less than outflow fund, inflow fund greater than outflow fund etc..

When fund information meets different fund allocation and transfer conditions, for the fund in the first account fund allocation and transfer rule not Together.That is, different fund information corresponds to different fund allocation and transfer rules.Therefore, in one embodiment, can obtain first default Each fund information and fund allocation and transfer rule between corresponding relationship, and then according to the corresponding relationship determination it is opposite with fund information The fund allocation and transfer rule answered.

S206 generates fund allocation and transfer task for the fund in the first account, comprising fund allocation and transfer rule.

Wherein, fund allocation and transfer rule is included at least one of the following: is filled from least one fund account to the first account The rule of value；It withdraws deposit from the first account to the rule of at least one fund account；Fund in first account is collected to specified The rule of fund account.It may specify that any fund account in multiple fund accounts is specified fund account.

Fund allocation and transfer task may also include the account information of the first account, wait allot in addition to comprising fund allocation and transfer rule Principal amount, other accounts involved in fund allocation and transfer rule account information etc..Fund allocation and transfer rule involved in other Account refers to the account involved in fund allocation and transfer rule in addition to the first account.For example, if fund allocation and transfer rule is from least The rule that one fund account is supplemented with money to the first account, then other accounts involved in fund allocation and transfer rule are carry out fund At least one fund account supplemented with money；If fund allocation and transfer rule is to withdraw deposit from the first account to the rule of at least one fund account Then, then other accounts involved in fund allocation and transfer rule are at least one account of the exchequer for receiving the fund withdrawn deposit out in the first account Family；If fund allocation and transfer rule is to collect the fund in the first account to the rule of specified fund account, fund allocation and transfer rule Other related accounts are specified fund account.

S208 executes fund allocation and transfer task to the fund in the first account according to fund allocation and transfer rule.

Using the technical solution of this specification one or more embodiment, by determining multiple fund accounts that are mutually related In the fund information of the first account determine and be directed to the first account and when fund information meets preset fund allocation and transfer condition In fund fund allocation and transfer rule, and then generate fund for the fund in the first account, comprising fund allocation and transfer rule Task is alloted, and fund allocation and transfer task is executed to the fund in the first account according to fund allocation and transfer rule.As it can be seen that the technical solution Realize the purpose intelligently alloted to fund, compared to the prior art in by the way of manually allocating and transferring funds and Speech, which makes the more efficient, less error-prone of fund allocation and transfer, to reduce the cost and risk of capital management.

In one embodiment, according to fund allocation and transfer rule, when alloting task to the resource execution resource in the first account, Specifically it can be performed as following several situations:

If fund information is that fund is lower than the first preset threshold, or, fund information is that inflow fund is less than outflow fund, then It is supplemented with money from least one fund account to the first account.In this case, by from least one fund account to first Account is supplemented with money, avoid fund in the first account it is very few caused by overdraw close rule risk.

If fund information is that fund is higher than the second preset threshold, or, fund information is that inflow fund is greater than outflow fund, then It withdraws deposit from the first account at least one fund account.In this case, by withdrawing deposit the fund in the first account at least Fund is withdrawn deposit in time when enabling the fund in the first account more, is existed to improve fund by one fund account Utilization rate at least one fund account.

If fund information is that fund is higher than third predetermined threshold value, the fund in the first account is collected to specified account of the exchequer Family.In this case, by collecting the fund in the first account to specified fund account, so that the fund mistake in the first account It can be collected in time when more, to improve the utilization rate for collecting fund together in specified fund account.

In one embodiment, fund acquisition time rule can be created in advance, and the fund acquisition time rule is for determining The acquisition time of fund information.Based on this, can be mutually related in multiple fund accounts according to fund acquisition time rule, determination The first account fund information.

Fund acquisition time rule can be the rule of timing, interval etc. of fixing time.For example, if fund acquisition time rule For clocking discipline, it is assumed that timing every morning 9:00, then the fund letter in the first account should be determined in every morning 9:00 Breath, and accordingly alloted when fund information meets fund allocation and transfer condition.If fund acquisition time rule is interval of fixing time Rule, it is assumed that be divided between fixing time every 24 hours, then the fund in the first account should be determined when every 24 hours Information, and accordingly alloted when fund information meets fund allocation and transfer condition.

In the embodiment, by according to certain fund acquisition time Rule fund information and allocating and transferring funds, so that Fund allocation and transfer have regular hour regularity, and what caused fund when manually disposably alloting more fund that avoids was detained asks Topic.

Fig. 3 is according to a kind of schematic flow chart of fund allocation method of another embodiment of this specification, the embodiment In, it is assumed that same user, which has, is mutually related multiple fund accounts (including bank account and payment account).Wherein, branch is paid a bill Family refers to account that fund is not stored in bank, can be used for network payment, such as the Yuebao account of user.As shown in figure 3, this method Include:

S301 creates fund allocation and transfer rule corresponding with each fund information and fund acquisition time rule.

Wherein, different fund information corresponds to different fund allocation and transfer rules.Fund allocation and transfer rule includes following at least one : the rule supplemented with money from least one fund account to payment account；It withdraws deposit from payment account at least one account of the exchequer The rule at family；Fund in payment account is collected to the rule of specified fund account.It may specify appointing in multiple fund accounts One fund account is specified fund account.

S302, if current time meets fund acquisition time rule, it is determined that be mutually related in multiple fund accounts The fund information of payment account.

S303 obtains preset each fund information and fund allocation and transfer rule when fund information meets fund allocation and transfer condition Between corresponding relationship.

Wherein, the fund allocation and transfer condition that fund information is met may include at least one of following: fund is default lower than first Threshold value, fund are higher than the second preset threshold, flow into fund less than outflow fund, inflow fund greater than outflow fund etc..

S304, according to the corresponding relationship between each fund information and fund allocation and transfer rule, determination is corresponding with fund information Fund allocation and transfer rule.

Specifically, if fund information is that fund is lower than the first preset threshold, or, fund information is that inflow fund is less than outflow Fund then executes S305；If fund information is that fund is higher than the second preset threshold, or, fund information is that inflow fund is greater than stream It provides funds, then executes S308；If fund information is that fund is higher than third predetermined threshold value, S311 is executed.

S305 determines that fund allocation and transfer rule is the rule supplemented with money from least one fund account to payment account.

S306 is generated and is believed comprising fund allocation and transfer rule, the account of the account information of payment account, at least one fund account The fund allocation and transfer task of breath and recharge amount.

S307 is supplemented with money according to the information in fund allocation and transfer task from least one fund account to payment account.

For example, when the fund in payment account is less, to payment account from bank account associated with payment account It is supplemented with money, so that the fund in payment account keeps certain water level, avoids fund is very few overdraw is caused to close rule risk.

S308 determines that fund allocation and transfer rule is to withdraw deposit from payment account to the rule of at least one fund account.

S309 is generated and is believed comprising fund allocation and transfer rule, the account of the account information of payment account, at least one fund account The fund allocation and transfer task of breath and Withdrawal Amount.

S310 withdraws deposit from payment account at least one fund account according to the information in fund allocation and transfer task.

For example, the amount of money in payment account is withdrawn deposit to associated with payment account when the fund in payment account is more Bank account in so that the amount of money excessive in payment account can enjoy certain income in bank account.

S311 determines that fund allocation and transfer rule is to collect the fund in payment account to the rule of specified fund account.

S312, generate comprising fund allocation and transfer rule, the account information of payment account, specified fund account account information and Collect the fund allocation and transfer task of the amount of money.

S313 collects the fund in payment account to specified fund account according to the information in fund allocation and transfer task.

For example, the amount of money in payment account is collected to associated with payment account when the fund in payment account is more Specified fund account in so that the amount of money excessive in payment account can enjoy certain income in specified fund account.

In the present embodiment, by the fund information of the determining payment account being mutually related in multiple fund accounts, and When fund information meets preset fund allocation and transfer condition, the fund allocation and transfer rule for the fund in payment account is determined, in turn Fund allocation and transfer task is executed to the fund in payment account according to fund allocation and transfer rule, and can be according to different fund allocation and transfer Rule carries out different types of fund allocation and transfer operation to fund, it is achieved that the purpose that intelligently fund is alloted, Compared to the prior art in by the way of manually allocating and transferring funds for, the technical solution make fund allocation and transfer it is more intelligent, It is more efficient and less error-prone, to reduce the cost and risk of capital management.

Fig. 4 is according to a kind of schematic block diagram of fund allocation system of one embodiment of this specification, as shown in figure 4, money Golden processing system 400 includes fund allocation and transfer platform 410, fund liability management platform 420 and account management center 430；Wherein:

Fund liability management platform 420 is mutually related in multiple fund accounts for the determination from account management center 430 The first account fund information；When fund information meets preset fund allocation and transfer condition, determine in the first account The fund allocation and transfer rule of fund；Generate fund allocation and transfer task for the fund in the first account, comprising fund allocation and transfer rule.

Fund allocation and transfer platform 410 fishes for fund allocation and transfer task for triggering fund liability management platform 420.

Fund liability management platform 420, is also used to fish for fund allocation and transfer task；According to fund allocation and transfer rule, to the first account Fund in family executes fund allocation and transfer task.

In one embodiment, fund allocation and transfer platform 410 is also used to create between each fund information and fund allocation and transfer rule Corresponding relationship.Based on this, fund liability management platform 420 be also used to obtain from fund allocation and transfer platform 410 each fund information with Corresponding relationship between fund allocation and transfer rule, and fund allocation and transfer rule corresponding with fund information is determined according to corresponding relationship.

In one embodiment, fund allocation and transfer rule includes at least one of the following:

The rule supplemented with money from least one fund account to the first account；

It withdraws deposit from the first account to the rule of at least one fund account；

Fund in first account is collected to the rule of specified fund account.

In one embodiment, fund liability management platform 420 is also used to:

If fund information is that fund is lower than the first preset threshold, or, fund information is that inflow fund is less than outflow fund, then It is supplemented with money from least one fund account to the first account.

If fund information is that fund is higher than the second preset threshold, or, fund information is that inflow fund is greater than outflow fund, then It withdraws deposit from the first account at least one fund account.

If fund information is that fund is higher than third predetermined threshold value, the fund in the first account is collected to specified account of the exchequer Family.

In one embodiment, fund allocation and transfer platform 410 is also used to newly-built fund acquisition time rule, fund acquisition time Rule is for determining the acquisition time of fund information.Based on this, fund liability management platform 420 is also used to from fund allocation and transfer platform 410 obtain fund acquisition time rule；According to fund acquisition time rule, the to be mutually related in multiple fund accounts is determined The fund information of one account.

In one embodiment, system 400 further includes payment Acceptance Platform.Based on this, fund allocation and transfer platform 410 is also used to When executing fund allocation and transfer task, is sent to payment Acceptance Platform and accept request with what fund allocation and transfer task matched；Payment by Platform is used for basis and accepts request execution fund allocation and transfer task, and will provide for the implementing result value of feedback of fund allocation and transfer task Golden liability management platform 420.

Using the system of this specification one or more embodiment, it is mutually related in multiple resource accounts by determination The resource information of first account, and when resource information meets preset resource and allots condition, it determines in the first account The resource of resource allots rule, and then generates resource for the resource in the first account, alloting rule comprising resource and allot Task, and allot rule according to resource and task is alloted to the resource execution resource in the first account.As it can be seen that the system realizes intelligence The purpose that energyization resource is alloted, middle for manually alloting by the way of resource compared to the prior art, the technology It is more efficient, less error-prone that scheme allots resource, to reduce the cost and risk of resource management.

It should be understood that above-mentioned fund allocation system can be used to realize at previously described fund Reason method, datail description therein should be described with method part above it is similar, it is cumbersome to avoid, do not repeat separately herein.

Illustrate how fund allocation method provided by the invention is implemented at fund below by way of two specific embodiments Reason system.

Specific embodiment one

In example 1, it is assumed that the first account is payment account, and the fund in payment account is less than the first preset threshold, It need to be from being supplemented with money in bank account into the first account.Fig. 5 is according to the schematic of the fund allocation method of the specific embodiment one Flow chart.As shown in figure 5, method includes the following steps:

A1, the newly-built fund allocation and transfer rule corresponding with fund information of fund allocation and transfer platform and fund acquisition time rule.

Wherein, fund allocation and transfer rule is included at least one of the following: is filled from least one fund account to the first account The rule of value；It withdraws deposit from the first account to the rule of at least one fund account；Fund in first account is collected to specified The rule of fund account.It may specify that any fund account in multiple fund accounts is specified fund account.Fund acquisition time Rule can be the rule of timing, interval etc. of fixing time.

After fund allocation and transfer platform creates fund allocation and transfer rule, fund allocation and transfer rule can be sent to Asset/liability management and put down Platform is sent to flowsheet platform by Asset/liability management platform and is audited, step A1.1-A1.3 as shown in Figure 5.

Fund allocation and transfer rule is sent to flowsheet platform by Asset/liability management platform by A1.1.

A1.2, flowsheet platform audit fund allocation and transfer rule.In the step, flowsheet platform mainly advises fund allocation and transfer Every terms of information involved in then is audited, as audit can indicate every threshold value of fund water level, recharge amount, Withdrawal Amount, The information such as account information.

Auditing result is sent to Asset/liability management platform by A1.3, flowsheet platform.

A2, when fund allocation and transfer platform monitoring current time meets fund acquisition time rule, triggering fund liability management is flat Platform obtains the fund information in payment account.

A3, fund liability management platform are inquired by account management center and determine the fund information in payment account.

Wherein, account management center is used to store the relevant information (including fund information) in payment account.

Fund information is returned to fund liability management platform by A4, account management center.

A5, if fund information meets fund allocation and transfer condition, the determination of fund liability management platform is corresponding with fund information Fund allocation and transfer rule, and generate fund allocation and transfer task.

In the present embodiment, it is assumed that fund information is less than the first preset threshold, fund allocation and transfer rule corresponding thereto be from The rule that bank account is supplemented with money into payment account.Account information, bank account in fund allocation and transfer task including payment account Account information and recharge amount.

A6, fund allocation and transfer platform triggering fund liability management platform fish for fund allocation and transfer task.

A7, fund liability management platform fishes for fund allocation and transfer task, and executes fund allocation and transfer to the fund in payment account Task.

Specifically, can be performed when fund liability management platform executes fund allocation and transfer task as step A7.1- shown in fig. 5 A7.6。

A7.1, fund liability management platform to payment Acceptance Platform initiation supplement application with money, this supplement with money application be used to indicate from Bank account is supplemented with money into payment account.

A7.2, payment Acceptance Platform will supplement application with money and be forwarded to payment core.

A7.3, payment core initiate fund to the corresponding bank of bank account and withhold/generation hair application.

Wherein, fund withhold/generation hair application in the account information comprising bank account and payment account.

A7.4, bank withhold/generation hair application according to fund, and the fund that carries out from bank account withholds/generation hair, completes to branch It pays a bill the recharge procedure at family.

In the step, specific recharge procedure further relates to bank to banking network initiates fund application, banking network generates Supplement message with money, bank card keeps accounts/enters an item of expenditure in the accounts the related procedures such as flowing water, clearance, these related procedures because belonging to existing recharge procedure, Therefore it repeats no more.

The result of fund successful recharging is returned to payment core by A7.5, bank.

A7.6 pays core for the result of fund successful recharging and returns to fund liability management platform.

A8, fund liability management platform update document success.

It can be seen that by above-described embodiment one, the technical solution of embodiment one, which realizes, intelligently allots fund Purpose, compared to the prior art in by the way of manually allocating and transferring funds for, which makes the efficiency of fund allocation and transfer It is higher, less error-prone, to reduce the cost and risk of capital management.

Specific embodiment two

In example 2, it is assumed that the fund in the first payment account is less than the first preset threshold, need to pay a bill from second It transfers accounts to the first payment account at family.Fig. 6 is the schematic flow chart according to the fund allocation method of the specific embodiment two. As shown in fig. 6, method includes the following steps:

B1, the newly-built fund allocation and transfer rule corresponding with fund information of fund allocation and transfer platform and fund acquisition time rule.

After fund allocation and transfer platform creates fund allocation and transfer rule, fund allocation and transfer rule can be sent to Asset/liability management and put down Platform is sent to process center by Asset/liability management platform and is audited, step B1.1-B1.3 as shown in Figure 6.

Fund allocation and transfer rule is sent to flowsheet platform by Asset/liability management platform by B1.1.

B1.2, flowsheet platform audit fund allocation and transfer rule.In the step, flowsheet platform mainly advises fund allocation and transfer Every terms of information involved in then is audited, as audit can indicate every threshold value of fund water level, recharge amount, Withdrawal Amount, The information such as account information.

Auditing result is sent to Asset/liability management platform by B1.3, flowsheet platform.

B2, when fund allocation and transfer platform monitoring current time meets fund acquisition time rule, triggering fund liability management is flat Platform obtains the fund information in the first payment account.

B3, fund liability management platform obtains the fund information in the first payment account, and is determined and turned according to fund information Account parameter.

Wherein, parameter of transferring accounts includes the account of transfer amounts, the account information of the first payment account and the second payment account Information.

B4, fund liability management platform generate fund allocation and transfer task according to parameter of transferring accounts.

It wherein, include transfer amounts, the account information of the first payment account and the second payment account in fund allocation and transfer task Account information.

B5, fund allocation and transfer platform triggering fund liability management platform fish for fund allocation and transfer task.

B6, fund liability management platform fishes for fund allocation and transfer task, and executes fund allocation and transfer to the fund in payment account Task.

Specifically, can be performed when fund liability management platform executes fund allocation and transfer task as step B6.1- shown in fig. 6 B6.4。

B6.1, fund liability management platform initiate application of transferring accounts to payment core.

B6.2, payment core are transferred accounts by payment account platform.

B6.3, the payment account platform successful message that will transfer accounts return to payment core.

B6.4, the payment core successful message that will transfer accounts return to fund liability management platform.

B7, fund liability management platform update document success.

It can be seen that by above-described embodiment two, the technical solution of embodiment two, which realizes, intelligently allots fund Purpose, compared to the prior art in by the way of manually allocating and transferring funds for, which makes the efficiency of fund allocation and transfer It is higher, less error-prone, to reduce the cost and risk of capital management.

To sum up, the specific embodiment of this theme is described.Other embodiments are in the appended claims In range.In some cases, the movement recorded in detail in the claims can execute and still in a different order Desired result may be implemented.In addition, process depicted in the drawing not necessarily requires the particular order shown or continuous suitable Sequence, to realize desired result.In some embodiments, multitasking and parallel processing can be advantageous.

Based on same thinking, this specification one or more embodiment also provides a kind of resource processing unit.

Fig. 7 is according to a kind of schematic block diagram of resource processing unit of one embodiment of this specification, as shown in fig. 7, money Source processing unit 700 includes:

First determining module 710, for determining the resource information for the first account being mutually related in multiple resource accounts；

Second determining module 720, for determining and being directed to the first account when resource information meets preset resource and allots condition The resource of resource in family allots rule；

First generation module 730, for generating resource for the resource in the first account, alloting rule comprising resource Allot task；

First execution module 740 executes resource and allots and appoint for alloting rule according to resource to the resource in the first account Business.

In one embodiment, the second determining module 720 includes:

First determination unit, for determining that resource corresponding with resource information allots rule according to corresponding relationship.

In one embodiment, resource is alloted rule and is included at least one of the following:

Resource at least one resource account is transferred to the rule of the first account；

Resource in first account is produced to the rule of at least one resource account；

In one embodiment, the first execution module 740 includes:

First is transferred to unit, if being that resource is less than the first preset threshold for resource information, or, resource information is to flow into money Resource at least one resource account is then transferred to the first account less than outflow resource by source；

First produces unit, if being that resource is more than the second preset threshold for resource information, or, resource information is to flow into money Then the resource in the first account is produced at least one resource account more than outflow resource in source；

First collects unit, if being that resource is more than third predetermined threshold value for resource information, by the money in the first account Source is collected to specified resource account.

In one embodiment, device 700 further include:

First newly-built module, for determine the resource information of the first account being mutually related in multiple resource accounts it Before, resource acquisition time rule is created, resource acquisition time rule is used to determine the acquisition time of resource information；

Correspondingly, the first determining module 710 includes:

Second determination unit, for according to resource acquisition time rule, determination to be mutually related in multiple resource accounts The resource information of first account.

Using the device of this specification one or more embodiment, it is mutually related in multiple resource accounts by determination The resource information of first account, and when resource information meets preset resource and allots condition, it determines in the first account The resource of resource allots rule, and then generates resource for the resource in the first account, alloting rule comprising resource and allot Task, and allot rule according to resource and task is alloted to the resource execution resource in the first account.As it can be seen that the technical solution is realized Purpose that intelligently resource is alloted, compared to the prior art in using manually alloting by the way of resource for, this It is more efficient, less error-prone that technical solution allots resource, to reduce the cost and risk of resource management.

It should be understood that above-mentioned resource processing unit can be used to realize previously described Energy Resources Service Reason method, datail description therein should be described with method part above it is similar, it is cumbersome to avoid, do not repeat separately herein.

Based on same thinking, this specification one or more embodiment also provides a kind of fund allocation device.

Fig. 8 is according to a kind of schematic block diagram of fund allocation device of one embodiment of this specification, as shown in figure 8, money Golden processing unit 800 includes:

Third determining module 810, for determining the fund information for the first account being mutually related in multiple fund accounts；

4th determining module 820, for determining and being directed to the first account when fund information meets preset fund allocation and transfer condition The fund allocation and transfer rule of fund in family；

Second generation module 830, for generating fund for the fund in the first account, comprising fund allocation and transfer rule Allot task；

Second execution module 840, for executing fund allocation and transfer to the fund in the first account and appointing according to fund allocation and transfer rule Business.

In one embodiment, the 4th determining module 820 includes:

Third determination unit, for determining fund allocation and transfer rule corresponding with fund information according to corresponding relationship.

Fund in first account is collected to the rule of specified fund account.

In one embodiment, the second execution module 840 includes:

Second is transferred to unit, if being that fund is lower than the first preset threshold for fund information, or, fund information is to flow into money Gold is less than outflow fund, then is supplemented with money from least one fund account to the first account；

Second produces unit, if being that fund is higher than the second preset threshold for fund information, or, fund information is to flow into money Gold is greater than outflow fund, then withdraws deposit from the first account at least one fund account；

Second collects unit, if being that fund is higher than third predetermined threshold value for fund information, by the money in the first account Gold is collected to specified fund account.

In one embodiment, device 800 further include:

Second newly-built module, for determine the fund information of the first account being mutually related in multiple fund accounts it Before, fund acquisition time rule is created, fund acquisition time rule is used to determine the acquisition time of fund information；

Correspondingly, third determining module 810 includes:

4th determination unit, for according to fund acquisition time rule, determination to be mutually related in multiple fund accounts The fund information of first account.

Using the device of this specification one or more embodiment, it is mutually related in multiple fund accounts by determination The fund information of first account, and when fund information meets preset fund allocation and transfer condition, it determines in the first account The fund allocation and transfer rule of fund, and then generate fund allocation and transfer for the fund in the first account, comprising fund allocation and transfer rule Task, and fund allocation and transfer task is executed to the fund in the first account according to fund allocation and transfer rule.As it can be seen that the technical solution is realized Purpose that intelligently fund is alloted, compared to the prior art in using manually allocating and transferring funds by the way of for, this Technical solution makes the more efficient, less error-prone of fund allocation and transfer, to reduce the cost and risk of capital management.

It should be understood that above-mentioned fund allocation device can be used to realize at previously described fund Reason method, datail description therein should be described with method part above it is similar, it is cumbersome to avoid, do not repeat separately herein.

Based on same thinking, this specification one or more embodiment also provides a kind of resource processing arrangements, such as Fig. 9 institute Show.Resource processing arrangements can generate bigger difference because configuration or performance are different, may include one or more Processor 901 and memory 902 can store one or more storage application programs or data in memory 902.Its In, memory 902 can be of short duration storage or persistent storage.Be stored in memory 902 application program may include one or More than one module (diagram is not shown), each module may include executable to the series of computation machine in resource processing arrangements Instruction.Further, processor 901 can be set to communicate with memory 902, and memory is executed on resource processing arrangements Series of computation machine executable instruction in 902.Resource processing arrangements can also include one or more power supplys 903, one A or more than one wired or wireless network interface 904, one or more input/output interfaces 905, one or one with Upper keyboard 906.

Specifically in the present embodiment, resource processing arrangements include memory and one or more program, In one perhaps more than one program is stored in memory and one or more than one program may include one or one With upper module, and each module may include and being configured to the series of computation machine executable instruction in resource processing arrangements With by one or more than one processor execute this or more than one program include can for carrying out following computer It executes instruction:

Optionally, computer executable instructions when executed, can also make the processor:

Optionally, the resource is alloted rule and is included at least one of the following:

Based on same thinking, this specification one or more embodiment also provides a kind of fund allocation equipment, such as Figure 10 It is shown.Fund allocation equipment can generate bigger difference because configuration or performance are different, may include one or more Processor 1001 and memory 1002, can store one or more storage application programs or number in memory 1002 According to.Wherein, memory 1002 can be of short duration storage or persistent storage.The application program for being stored in memory 1002 may include One or more modules (diagram is not shown), each module may include to the series of computation machine in fund allocation equipment Executable instruction.Further, processor 1001 can be set to communicate with memory 1002, hold in fund allocation equipment Series of computation machine executable instruction in line storage 1002.Fund allocation equipment can also include one or more electricity Gold 1003, one or more wired or wireless network interfaces 1004, one or more input/output interfaces 1005, one A or more than one keyboard 1006.

Specifically in the present embodiment, fund allocation equipment includes memory and one or more program, In one perhaps more than one program is stored in memory and one or more than one program may include one or one With upper module, and each module may include and being configured to the series of computation machine executable instruction in fund allocation equipment With by one or more than one processor execute this or more than one program include can for carrying out following computer It executes instruction:

Optionally, the fund allocation and transfer rule includes at least one of the following:

Fund in first account is collected to the rule of specified fund account.

This specification one or more embodiment also proposed a kind of computer readable storage medium, this is computer-readable to deposit Storage media stores one or more programs, which includes instruction, and it is included multiple application programs which, which works as, Electronic equipment when executing, the electronic equipment can be made to execute above-mentioned method for processing resource, and be specifically used for executing:

This specification one or more embodiment also proposed a kind of computer readable storage medium, this is computer-readable to deposit Storage media stores one or more programs, which includes instruction, and it is included multiple application programs which, which works as, Electronic equipment when executing, the electronic equipment can be made to execute above-mentioned fund allocation method, and be specifically used for executing:

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when specification one or more embodiment.

It should be understood by those skilled in the art that, this specification one or more embodiment can provide for method, system or Computer program product.Therefore, complete hardware embodiment can be used in this specification one or more embodiment, complete software is implemented The form of example or embodiment combining software and hardware aspects.Moreover, this specification one or more embodiment can be used one It is a or it is multiple wherein include computer usable program code computer-usable storage medium (including but not limited to disk storage Device, CD-ROM, optical memory etc.) on the form of computer program product implemented.

This specification one or more embodiment is referring to according to the method for the embodiment of the present application, equipment (system) and meter The flowchart and/or the block diagram of calculation machine program product describes.It should be understood that can be realized by computer program instructions flow chart and/ Or the combination of the process and/or box in each flow and/or block and flowchart and/or the block diagram in block diagram.It can These computer program instructions are provided at general purpose computer, special purpose computer, Embedded Processor or other programmable datas The processor of equipment is managed to generate a machine, so that holding by the processor of computer or other programmable data processing devices Capable instruction generates for realizing in one or more flows of the flowchart and/or one or more blocks of the block diagram The device of specified function.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

This specification one or more embodiment can computer executable instructions it is general on It hereinafter describes, such as program module.Generally, program module includes executing particular task or realization particular abstract data type Routine, programs, objects, component, data structure etc..The application can also be practiced in a distributed computing environment, at these In distributed computing environment, by executing task by the connected remote processing devices of communication network.In distributed computing In environment, program module can be located in the local and remote computer storage media including storage equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

The foregoing is merely this specification one or more embodiments, are not limited to this specification.For this For the technical staff of field, this specification one or more embodiment can have various modifications and variations.It is all in this specification one Any modification, equivalent replacement, improvement and so within the spirit and principle of a or multiple embodiments, should be included in this explanation Within the scope of the claims of book one or more embodiment.

Claims

1. a kind of method for processing resource, comprising:

When the resource information, which meets preset resource, allots condition, the resource for the resource in first account is determined Allot rule；

2. according to the method described in claim 1, the determination allots rule for the resource of the resource in first account, Include:

3. being included at least one of the following: according to the method described in claim 2, the resource allots rule

4. according to the method described in claim 3, described allot rule according to the resource, to the resource in first account It executes the resource and allots task, comprising:

If the resource information is that the resource is less than the first preset threshold, or, the resource information is to flow into resource less than stream Resource at least one described resource account is then transferred to first account by resource out；

If the resource information is that the resource is more than the second preset threshold, or, the resource information is to flow into resource more than stream Resource out then produces the resource in first account to resource account described at least one；

If the resource information is that the resource is more than third predetermined threshold value, the resource in first account is collected to finger Determine resource account.

5. the money of the first account in multiple resource accounts according to the method described in claim 1, the determination is mutually related Before source information, further includes:

Newly-built resource acquisition time rule, the resource acquisition time rule are used to determine the acquisition time of the resource information；

According to the resource acquisition time rule, the resource letter for the first account being mutually related in multiple resource accounts is determined Breath.

6. a kind of fund allocation method, comprising:

When the fund information meets preset fund allocation and transfer condition, the fund for the fund in first account is determined Allot rule；

7. according to the method described in claim 6, fund allocation and transfer rule of the determination for the fund in first account, Include:

8. according to the method described in claim 7, the fund allocation and transfer rule includes at least one of the following:

Fund in first account is collected to the rule of specified fund account.

9. according to the method described in claim 8, described according to fund allocation and transfer rule, to the resource in first account It executes the resource and allots task, comprising:

If the fund information is that the fund is lower than the first preset threshold, or, the fund information is that inflow fund is less than stream It provides funds, is then supplemented with money from fund account described at least one to first account；

If the fund information is that the fund is higher than the second preset threshold, or, the fund information is that inflow fund is greater than stream It provides funds, then withdraws deposit from first account to fund account described at least one；

If the fund information is that the fund is higher than third predetermined threshold value, the fund in first account is collected to finger Determine fund account.

10. the money of the first account in multiple fund accounts according to the method described in claim 6, the determination is mutually related Before golden information, further includes:

Newly-built fund acquisition time rule, the fund acquisition time rule are used to determine the acquisition time of the fund information；

According to the fund acquisition time rule, the fund letter for the first account being mutually related in multiple fund accounts is determined Breath.

11. a kind of resource processing unit, comprising:

Second determining module, for determining and being directed to described first when the resource information meets preset resource and allots condition The resource of resource in account allots rule；

First generation module, for generating money for the resource in first account, alloting rule comprising the resource Allot task in source；

First execution module executes the resource to the resource in first account for alloting rule according to the resource Allot task.

12. device according to claim 11, second determining module include:

First determination unit, for determining that resource corresponding with the resource information allots rule according to the corresponding relationship.

13. device according to claim 12, the resource is alloted rule and is included at least one of the following:

14. device according to claim 13, first execution module include:

First is transferred to unit, if being that the resource is less than the first preset threshold for the resource information, or, the resource information To flow into resource less than outflow resource, then the resource at least one described resource account is transferred to first account；

First produces unit, if being that the resource is more than the second preset threshold for the resource information, or, the resource information To flow into resource more than outflow resource, then the resource in first account is produced to resource account described at least one；

First collects unit, if being that the resource is more than third predetermined threshold value for the resource information, by first account Resource in family is collected to specified resource account.

15. device according to claim 11, further includes:

First newly-built module, the resource information of the first account being mutually related in multiple resource accounts for the determination it Before, resource acquisition time rule is created, the resource acquisition time rule is used to determine the acquisition time of the resource information；

Correspondingly, first determining module includes:

Second determination unit, for according to the resource acquisition time rule, determination to be mutually related in multiple resource accounts The resource information of first account.

16. a kind of fund allocation device, comprising:

4th determining module, for determining and being directed to described first when the fund information meets preset fund allocation and transfer condition The fund allocation and transfer rule of fund in account；

Second generation module, for generating money for the fund in first account, comprising the fund allocation and transfer rule Gold allots task；

Second execution module, for executing the fund to the fund in first account according to the fund allocation and transfer rule Allot task.

17. device according to claim 16, the 4th determining module include:

Third determination unit, for determining fund allocation and transfer rule corresponding with the fund information according to the corresponding relationship.

18. device according to claim 17, the fund allocation and transfer rule is included at least one of the following:

Fund in first account is collected to the rule of specified fund account.

19. device according to claim 18, second execution module include:

Second is transferred to unit, if being that the fund is lower than the first preset threshold for the fund information, or, the fund information It is less than outflow fund to flow into fund, then is supplemented with money from fund account described at least one to first account；

Second produces unit, if being that the fund is higher than the second preset threshold for the fund information, or, the fund information It is greater than outflow fund to flow into fund, then withdraws deposit from first account to fund account described at least one；

Second collects unit, if being that the fund is higher than third predetermined threshold value for the fund information, by first account Fund in family is collected to specified fund account.

20. device according to claim 16, further includes:

Second newly-built module, the fund information of the first account being mutually related in multiple fund accounts for the determination it Before, fund acquisition time rule is created, the fund acquisition time rule is used to determine the acquisition time of the fund information；

Correspondingly, the third determining module includes:

4th determination unit, for according to the fund acquisition time rule, determination to be mutually related in multiple fund accounts The fund information of first account.

21. a kind of fund allocation system, including fund allocation and transfer platform, fund liability management platform and account management center；Wherein:

The fund liability management platform is mutually related in multiple fund accounts for the determination from the account management center The fund information of first account；When the fund information meets preset fund allocation and transfer condition, determines and be directed to first account The fund allocation and transfer rule of fund in family；It generates for the fund in first account, regular comprising the fund allocation and transfer Fund allocation and transfer task；

The fund liability management platform is also used to fish for the fund allocation and transfer task；According to the fund allocation and transfer rule, to institute The fund stated in the first account executes the fund allocation and transfer task.

22. system according to claim 21, the fund allocation and transfer platform are also used to create each fund information and fund tune Dial the corresponding relationship between rule；

Correspondingly, the fund liability management platform, be also used to obtain from the fund allocation and transfer platform each fund information with Corresponding relationship between fund allocation and transfer rule；Fund allocation and transfer corresponding with the fund information are determined according to the corresponding relationship Rule.

23. system according to claim 22, the fund allocation and transfer rule is included at least one of the following:

Fund in first account is collected to the rule of specified fund account.

24. system according to claim 23, the fund liability management platform is also used to:

25. system according to claim 21, the fund allocation and transfer platform are also used to newly-built fund acquisition time rule, The fund acquisition time rule is used to determine the acquisition time of the fund information；

Correspondingly, the fund liability management platform, is also used to obtain the fund acquisition time from the fund allocation and transfer platform Rule；According to the fund acquisition time rule, the fund letter for the first account being mutually related in multiple fund accounts is determined Breath.

26. system according to claim 21 further includes payment Acceptance Platform；

Correspondingly, the fund allocation and transfer platform, is also used to when executing the fund allocation and transfer task, to the payment Acceptance Platform It sends and accepts request with what the fund allocation and transfer task matched；

The payment Acceptance Platform executes the fund allocation and transfer task for accepting request according to, and will be directed to the money Gold allots fund liability management platform described in the implementing result value of feedback of task.

27. a kind of resource processing arrangements, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processing when executed Device:

28. a kind of fund allocation equipment, comprising:

Processor；And

29. a kind of storage medium, for storing computer executable instructions, the executable instruction is realized following when executed Process:

30. a kind of storage medium, for storing computer executable instructions, the executable instruction is realized following when executed Process: