CN109670806A - Account recommendation method, apparatus, terminal and computer readable storage medium - Google Patents
Account recommendation method, apparatus, terminal and computer readable storage medium Download PDFInfo
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- CN109670806A CN109670806A CN201811083411.6A CN201811083411A CN109670806A CN 109670806 A CN109670806 A CN 109670806A CN 201811083411 A CN201811083411 A CN 201811083411A CN 109670806 A CN109670806 A CN 109670806A
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- 238000000034 method Methods 0.000 title claims abstract description 51
- 238000012546 transfer Methods 0.000 claims abstract description 443
- 238000012216 screening Methods 0.000 claims description 6
- 238000001914 filtration Methods 0.000 claims 1
- 238000010586 diagram Methods 0.000 description 10
- 238000004891 communication Methods 0.000 description 7
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- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 229910052737 gold Inorganic materials 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
- 238000003032 molecular docking Methods 0.000 description 1
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention discloses a kind of account recommendation methods, comprising: the transfer amounts for obtaining all accounts of enterprise, the customer account transferred accounts and needs being needed to transfer accounts；Filtered out in the account all from enterprise can transfer account, and according to can transfer account generation can transfer account list；The transfer charge rate of different bank is obtained, and Fee Schedule is generated according to transfer charge rate；According to customer account, can transfer account list, Fee Schedule and transfer amounts, be calculated transfer charge it is minimum can transfer account as transfer account.The present invention also provides a kind of account recommendation device, terminal and computer readable storage mediums.The present invention is inquired by the service charge rate to different bank, is selected the corresponding business account of the least bank of service charge to pay the bill, the transfer charge of enterprise is reduced, to avoid the economic loss of enterprise.
Description
Technical field
The present invention relates to banking software field more particularly to a kind of account recommendation method, apparatus, terminal and computer-readable
Storage medium.
Background technique
Enterprise generally has multiple bank accounts, and the rate of the transfer charge of different bank is simultaneously different, and enterprise is to visitor
Family is transferred accounts when remitting money, generally can in order to facilitate the operation of and choose at random Send only Account, Send only Account will not be screened, may
It will cause user's economic loss.
Summary of the invention
The main purpose of the present invention is to provide a kind of account recommendation method, apparatus, terminal and computer-readable storage mediums
Matter, it is intended to solve existing service charge higher technical problem when remitting money of transferring accounts to enterprise.
To achieve the above object, the present invention provides a kind of account recommendation method, and the account recommendation method includes:
The transfer amounts for obtaining all accounts of enterprise, the customer account transferred accounts and needs being needed to transfer accounts；
Filtered out in the account all from enterprise can transfer account, and according to can transfer account generate can transfer account arrange
Table；
The transfer charge rate of different bank is obtained, and Fee Schedule is generated according to the transfer charge rate；
According to the customer account, it is described can transfer account list, the Fee Schedule and the transfer amounts, calculate
Out transfer charge it is minimum can transfer account as transfer account.
Preferably, it is described according to the customer account, described transfer account list, the Fee Schedule and described can transfer accounts
The amount of money, be calculated transfer charge it is minimum can transfer account as the step of transfer account include:
It obtains the corresponding bank of deposit of the customer account and opens an account ground；
The corresponding bank of deposit of transfer account and it can open an account ground in transfer account list described in acquisition；
According to the corresponding bank of deposit of the customer account and open an account ground and it is described can in transfer account list can
The corresponding bank of deposit of transfer account and ground of opening an account are searched in Fee Schedule and obtain to be turned in transfer account list by described
Service charge rate needed for account account transfer to the customer account；
Transfer charge is calculated according to service charge rate and the transfer amounts；
Choose transfer charge it is minimum it is described can in transfer account list can transfer account as transfer account.
Preferably, it is described choose transfer charge it is minimum it is described can in transfer account list can transfer account as turning
The step of account account includes:
If it exists two or more service charges it is minimum can transfer account, obtain service charge it is minimum can transfer account
It is corresponding to transfer accounts to the money time；
Choose transfer accounts to the money time it is most fast can transfer account as transfer account.
Preferably, filtered out in the account all from enterprise can transfer account, and according to can transfer account generation can
The step of transfer account list includes:
Obtain the account balance of all accounts of enterprise；
Compare the account balance of each account and the size relation of the transfer amounts；
The account that account balance in all accounts is greater than the transfer amounts is labeled as can transfer account；
According to label can transfer account generate described in can transfer account list.
Preferably, described can to include: the step of transfer account list described in transfer account generation according to label
Obtain enterprise expenditure plan, judge enterprise expenditure in the works whether include can transfer account expenditure meter
It draws；
When the expenditure of enterprise include in the works can transfer account expenditure plan when, calculating can be more than the account of transfer account
Whether the difference of volume and the amount paid of expenditure plan is greater than the transfer amounts；
If can transfer account account balance and expenditure plan amount paid difference be greater than the transfer amounts, will
Can transfer account be included in it is described can transfer account list.
Preferably, filtered out in the account all from enterprise can transfer account, and according to can transfer account generation can
After the step of transfer account list further include:
Money is arrived according to what the remark information acquisition client in the contract information or financial management system signed with client needed
Time；
Transferring accounts to the money time for different bank is obtained, and money timetable is generated to the money time according to described transfer accounts；
According to client need to the money time, it is described to money timetable, the customer account and it is described can transfer account
List, acquire the money time beyond client need to the money time can transfer account；
By to the money time beyond client need to the money time can transfer account can be deleted in transfer account list from described
It removes.
Preferably, the transfer charge rate for obtaining different bank, and generated according to the transfer charge rate
The step of Fee Schedule includes:
Judge whether to receive transfer charge computations；
When receiving transfer charge computations, the transfer charge rate shown on bank web page is obtained in real time；
Fee Schedule is generated according to the transfer charge rate.
In addition, the present invention also provides a kind of account recommendation devices, comprising:
First obtains module, the customer account that the first acquisition module is used to obtain all accounts of enterprise, need to transfer accounts
The transfer amounts that family and needs are transferred accounts；
Screening module, the screening module for filtered out from all accounts of enterprise can transfer account, and according to can
Transfer account generation can transfer account list；
Second obtains module, and the second acquisition module is used to obtain the transfer charge rate of different bank, and according to
The transfer charge rate generates Fee Schedule；
Computing module, the computing module be used for according to the customer account, it is described can transfer account list, the rate
The minimum account of transfer charge is calculated as transfer account in table and the transfer amounts.
The present invention also provides a kind of terminal, the terminal includes processor, memory and is stored on the memory
And the account recommendation program that can be executed by the processor, wherein when the account recommendation program is executed by the processor, it is real
Now the step of account recommendation method as described above.
The present invention also provides a kind of computer readable storage medium, account is stored on the computer readable storage medium
Recommended program, wherein when the account recommendation program is executed by processor, the step of realizing account recommendation method as described above.
In technical solution of the present invention, obtains all accounts of enterprise, the customer account transferred accounts and needs is needed to transfer accounts
Transfer amounts；Filtered out in the account all from enterprise can transfer account, and according to can transfer account generate can transfer account arrange
Table；The transfer charge rate of different bank is obtained, and Fee Schedule is generated according to transfer charge rate；According to customer account,
Can transfer account list, Fee Schedule and transfer amounts, be calculated transfer charge it is minimum can transfer account as transferring accounts
Account.The present invention is inquired by the service charge rate to different bank, selects corresponding enterprise, the least bank of service charge
Account is paid the bill, and the transfer charge of enterprise is reduced, to avoid the economic loss of enterprise.
Detailed description of the invention
Fig. 1 is the hardware structural diagram of terminal involved in the embodiment of the present invention；
Fig. 2 is the flow diagram of account recommendation method first embodiment of the present invention；
Fig. 3 be the embodiment of the present invention according to the customer account, it is described can transfer account list, the Fee Schedule and
The transfer amounts, be calculated transfer charge it is minimum can transfer account as transfer account the step of process refinement show
It is intended to.
Fig. 4 be minimum described of transfer charge is chosen in the embodiment of the present invention can account of transferring accounts in transfer account list
The process refinement schematic diagram for the step of family is as transfer account；
Fig. 5 be filtered out from all accounts of enterprise in the embodiment of the present invention can transfer account, and according to the account that can transfer accounts
Family generate can transfer account list the step of process refinement schematic diagram；
Fig. 6 be the embodiment of the present invention according to label can transfer account generate described in can transfer account list the step of
Process refinement figure；
Fig. 7 is the flow diagram of account recommendation method second embodiment of the present invention；
Fig. 8 is the transfer charge rate that different bank is obtained in the embodiment of the present invention, and according to the transfer charge
Rate generates the process refinement signal of the step of Fee Schedule.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present embodiments relate to the main application terminal of account recommendation method, the terminal can be PC, portable computer,
The equipment that mobile terminal etc. has display and processing function.
Referring to Fig.1, Fig. 1 is terminal structure schematic diagram involved in the embodiment of the present invention.In the embodiment of the present invention, eventually
End may include processor 1001 (such as CPU), communication bus 1002, user interface 1003, network interface 1004, memory
1005.Wherein, communication bus 1002 is for realizing the connection communication between these components；User interface 1003 may include display
Shield (Display), input unit such as keyboard (Keyboard)；Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as WI-FI interface)；Memory 1005 can be high speed RAM memory, be also possible to stable memory
(non-volatile memory), such as magnetic disk storage, memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
It will be understood by those skilled in the art that hardware configuration shown in Fig. 1 does not constitute the restriction to equipment, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
With continued reference to Fig. 1, the memory 1005 in Fig. 1 as a kind of computer readable storage medium may include operation system
System, network communication module and account recommendation program.
In Fig. 1, network communication module is mainly used for connecting server, carries out data communication with server；And processor
1001 can call the account recommendation program stored in memory 1005, and execute following operation:
The transfer amounts for obtaining all accounts of enterprise, the customer account transferred accounts and needs being needed to transfer accounts；
Filtered out in the account all from enterprise can transfer account, and according to can transfer account generate can transfer account arrange
Table；
The transfer charge rate of different bank is obtained, and Fee Schedule is generated according to the transfer charge rate；
According to the customer account, it is described can transfer account list, the Fee Schedule and the transfer amounts, calculate
Out transfer charge it is minimum can transfer account as transfer account.
Further, according to the customer account, it is described can transfer account list, the Fee Schedule and the gold of transferring accounts
Volume, be calculated transfer charge it is minimum can transfer account as the step of transfer account include:
It obtains the corresponding bank of deposit of the customer account and opens an account ground；
The corresponding bank of deposit of transfer account and it can open an account ground in transfer account list described in acquisition；
According to the corresponding bank of deposit of the customer account and open an account ground and it is described can in transfer account list can
The corresponding bank of deposit of transfer account and ground of opening an account are searched in Fee Schedule and obtain to be turned in transfer account list by described
Service charge rate needed for account account transfer to the customer account；
Transfer charge is calculated according to service charge rate and the transfer amounts；
Choose transfer charge it is minimum it is described can in transfer account list can transfer account as transfer account.
Further, choose transfer charge it is minimum it is described can in transfer account list can transfer account as transferring accounts
The step of account includes:
If it exists two or more service charges it is minimum can transfer account, obtain service charge it is minimum can transfer account
It is corresponding to transfer accounts to the money time；
Choose transfer accounts to the money time it is most fast can transfer account as transfer account.
Further, filtered out from all accounts of enterprise can transfer account, and according to can transfer account generation can turn
The step of account account list includes:
Obtain the account balance of all accounts of enterprise；
Compare the account balance of each account and the size relation of the transfer amounts；
The account that account balance in all accounts is greater than the transfer amounts is labeled as can transfer account；
According to label can transfer account generate described in can transfer account list.
Further, can include: the step of transfer account list described in transfer account generation according to label
Obtain enterprise expenditure plan, judge enterprise expenditure in the works whether include can transfer account expenditure meter
It draws；
When the expenditure of enterprise include in the works can transfer account expenditure plan when, calculating can be more than the account of transfer account
Whether the difference of volume and the amount paid of expenditure plan is greater than the transfer amounts；
If can transfer account account balance and expenditure plan amount paid difference be greater than the transfer amounts, will
Can transfer account be included in it is described can transfer account list.
Further, filtered out from all accounts of enterprise can transfer account, and according to can transfer account generation can turn
After the step of account account list, processor 1001 may call upon the account recommendation program stored in memory 1005, and hold
The following operation of row:
Money is arrived according to what the remark information acquisition client in the contract information or financial management system signed with client needed
Time；
Transferring accounts to the money time for different bank is obtained, and money timetable is generated to the money time according to described transfer accounts；
According to client need to the money time, it is described to money timetable, the customer account and it is described can transfer account
List, acquire the money time beyond client need to the money time can transfer account；
By to the money time beyond client need to the money time can transfer account can be deleted in transfer account list from described
It removes.
Further, the transfer charge rate of different bank is obtained, and is taken according to transfer charge rate generation
The step of rate table includes:
Judge whether to receive transfer charge computations；
When receiving transfer charge computations, the transfer charge rate shown on bank web page is obtained in real time；
Fee Schedule is generated according to the transfer charge rate.
Based on the hardware configuration of above-mentioned terminal, each embodiment of account recommendation method of the present invention is proposed.
The present invention provides a kind of account recommendation method.
Referring to Fig. 2, in the first of the invention embodiment, account recommendation method the following steps are included:
Step S100, the transfer amounts for obtaining all accounts of enterprise, the customer account transferred accounts and needs being needed to transfer accounts；
Account recommendation method in the embodiment of the present invention can be applied to terminal, and terminal can carry out data communication with server,
Middle and high end or server are equipped with the financial management system of enterprise, and the institute of enterprise is stored in the financial management system of enterprise
The account of some accounts and have with enterprise cooperation client account.According to the contract information or finance pipe signed with client
The remark information of reason system determines the transfer amounts for needing the customer account transferred accounts and needs to transfer accounts.
Step S200, filter out in the account all from enterprise can transfer account, and according to can transfer account generation can turn
Account account list；
The account of enterprise is very more, and the client that the account of not all enterprise can transfer accounts to needs turns
Account, Sorry, your ticket has not enough value in some accounts, and some accounts have other expenditure plan, and some account intelligence is carried out with fixed client
Docking etc., therefore, it is necessary to the accounts to enterprise to screen, and the account that can be transferred accounts filtered out is deposited into and can be transferred accounts
In account list.
Step S300 obtains the transfer charge rate of different bank, and is taken according to transfer charge rate generation
Rate table；
Terminal of the invention can be associated with the official website of bank, obtain the service charge rate of different bank in real time,
The service charge rate of different bank can be stored in advance in the financial management system of enterprise, further according to the different bank of storage
Service charge rate generates Fee Schedule.
Step S400, according to the customer account, it is described can transfer account list, the Fee Schedule and the gold of transferring accounts
Volume, be calculated transfer charge it is minimum can transfer account as transfer account；
According to customer account, can account in transfer account list and Fee Schedule, transfer amounts calculate the account that can transfer accounts
In the list of family it is all can transfer account transfer accounts to transfer charge required for customer account, then in all transfer charges
It is middle choose transfer charge it is minimum can transfer account as transfer account.
In technical solution of the present invention, obtains all accounts of enterprise, the customer account transferred accounts and needs is needed to transfer accounts
Transfer amounts；Filtered out in the account all from enterprise can transfer account, and according to can transfer account generate can transfer account arrange
Table；The transfer charge rate of different bank is obtained, and Fee Schedule is generated according to transfer charge rate；According to customer account,
Can transfer account list, Fee Schedule and transfer amounts, be calculated transfer charge it is minimum can transfer account as transferring accounts
Account.The present invention is inquired by the service charge rate to different bank, selects corresponding enterprise, the least bank of service charge
Account is paid the bill, and the transfer charge of enterprise is reduced, to avoid the economic loss of enterprise.
Further, referring to Fig. 3, Fig. 3 be the embodiment of the present invention according to the customer account, it is described can transfer account
List, the Fee Schedule and the transfer amounts, be calculated transfer charge it is minimum can transfer account as transferring accounts account
The process refinement schematic diagram of the step of family, step S400 include:
Step S410 obtains the corresponding bank of deposit of the customer account and opens an account ground；
Step S420 the corresponding bank of deposit of transfer account and can open an account ground in transfer account list described in acquisition.
Step S430, according to the corresponding bank of deposit of the customer account and open an account ground and it is described can transfer account
In list can the corresponding bank of deposit of transfer account and open an account ground, in Fee Schedule search obtain by it is described can transfer account column
In table can transfer account transfer accounts to service charge rate needed for the customer account,
Transfer charge is calculated according to service charge rate and the transfer amounts in step S440；
Step S450, choose transfer charge it is minimum it is described can in transfer account list can transfer account as transferring accounts
Account.
Specifically, transferring accounts for bank is divided into that same city colleague transfers accounts, transfers accounts with city inter-bank, strange land colleague transfers accounts, transprovincially inside the province
Strange land colleague transfers accounts, inter-bank strange land is transferred accounts, and the service charge rate of different modes of transferring accounts is not identical.Therefore, can by with visitor
The contract information that family is signed obtains the corresponding bank of deposit of customer account and opens an account, can also be by the account of customer account, to visitor
It the bank of deposit of family account and carries out online enquiries with opening an account, is then searched again by the financial management system of enterprise and obtain and can transfer accounts
In account list it is all can transfer account bank of deposit and open an account ground, further according to the corresponding bank of deposit of customer account and open an account
Ground, and can in transfer account list can the corresponding bank of deposit of transfer account and ground of opening an account, searched in Fee Schedule obtain by
Can in transfer account list can transfer account transfer accounts to service charge rate needed for customer account.Turn further according to need to transfer accounts
The account amount of money and search the service charge rate that obtains be calculated can in transfer account it is all can transfer account transfer accounts to customer account
Transfer charge required for family, by compare obtain transfer charge it is minimum can in transfer account list can transfer account
As transfer account.By choose transfer charge it is minimum can transfer account as transfer account, can be avoided and made to enterprise
At economic loss.
Further, referring to Fig. 4, Fig. 4 is to choose minimum described of transfer charge in the embodiment of the present invention to transfer accounts
In account list can transfer account as transfer account the step of process refinement schematic diagram, based on the above embodiment, step
S450 includes:
Step S451: if it exists two or more service charges it is minimum can transfer account, obtain service charge it is minimum
It can transfer account be corresponding transfers accounts to the money time；
Step S452, choose transfer accounts to the money time it is most fast can transfer account as transfer account.
When by be calculated there are two or it is more than two can in transfer account list can transfer account service charge
It is minimum, available service charge it is minimum can transfer account transfer accounts to being transferred accounts required for customer account to the money time, in one kind
In embodiment, can be associated by the official website with bank, in real time obtain service charge it is minimum can transfer account transfer accounts to visitor
It is transferred accounts required for the account of family to the money time；Choose transfer accounts to the money time it is most fast can transfer account as transfer account.Separately
Outside, it is understood that there may be two or more service charges it is minimum can transfer account transfer accounts it is identical to the money time, at this point it is possible to logical
Cross the modes such as pop-up or graphical display remind financial staff have can arbitrarily choose can transfer account, financial staff can turn
Account identical can choose one in transfer account and carry out remittance of transferring accounts to the money time.
Further, referring to Fig. 5, Fig. 5 is to filter out and can transfer accounts from all accounts of enterprise in the embodiment of the present invention
Account, and according to can transfer account generate can transfer account list the step of process refinement schematic diagram, step S200 includes:
Step S210 obtains the account balance of all accounts of enterprise；
Step S220, the size relation of the account balance of more each account and the transfer amounts；
Step S230, the account that account balance in all accounts is greater than the transfer amounts is labeled as can transfer account；
Step S240, according to label can transfer account generate described in can transfer account list.
The account balance that all accounts of enterprise can be obtained from the financial management system of enterprise, by all accounts
Account balance be compared with transfer amounts, when the account balance of account be greater than transfer amounts when, the account can be used into
Row is transferred accounts, be designated as can transfer account, further according to it is all can transfer account generation can transfer account list.In addition, another
In a kind of embodiment, remaining sum is very few after being transferred accounts in order to avoid business account, can set balance threshold, judge account balance
With the difference of transfer amounts and the size relation of balance threshold, when the difference of account balance and transfer amounts be greater than balance threshold
When, by corresponding account be designated as can transfer account, for example, balance threshold is set as 50,000, when needing the transfer amounts transferred accounts to be
When 50000, can the account by account balance greater than 100,000 be designated as can transfer account, further according to it is all can transfer account generation can
Transfer account list.
Further, please refer to Fig. 6, Fig. 6 be in the embodiment of the present invention according to label can transfer account generate described in can
The process refinement figure of the step of transfer account list, step S240 include:
Step S241 obtains the expenditure plan of enterprise, judge the expenditure of enterprise in the works whether include can transfer account
Expenditure plan；
Step S242, when the expenditure of enterprise include in the works can transfer account expenditure plan when, calculating can transfer accounts account
Whether the difference of the amount paid of the account balance and expenditure plan at family is greater than the transfer amounts；
Step S243, if can the difference of account balance and the amount paid of expenditure plan of transfer account be greater than described transfer accounts
The amount of money, then can transfer account be included in it is described can transfer account list.
Fund in the account having in enterprise has fixed expenditure plan, for example, enterprise may need to utilize certain accounts
In fund carry out Investment & Financing, obtain the expenditure plan of enterprise, judge whether the expenditure of enterprise includes in the works that can transfer accounts
The expenditure plan of account, when the expenditure of enterprise include in the works can transfer account expenditure plan when, explanation can transfer account
In account balance it is higher, can first to can the difference of account balance and the amount paid of expenditure plan of transfer account count
Calculate, can transfer account account balance and expenditure plan amount paid difference exactly can transfer account paid after it is remaining
Fund number.When can transfer account account balance and expenditure plan amount paid difference be greater than transfer amounts when, explanation
Can transfer account paid after can also be used to transfer accounts, therefore, can transfer account be included in can be in transfer account list.When
The expenditure of enterprise include in the works can transfer account expenditure plan when, directly can transfer account be included in can transfer account
In list.
Further, Fig. 7 is please referred to, Fig. 7 is the flow diagram of account recommendation method second embodiment of the present invention, is based on
Above-described embodiment, step S200 include: later
Step S500 obtains client's need according to the remark information in the contract information or financial management system signed with client
That wants arrives the money time；
Transferring accounts for different bank may be different to the money time, in order to avoid the time limit for exceeding client's defined of transferring accounts, need
The money time is arrived according to what the remark information acquisition client in the contract information or financial management system signed with client needed.
Step S600, obtains transferring accounts to the money time for different bank, and according to it is described transfer accounts to the money time be generated to money when
Between table；
Terminal of the invention can be associated with the official website of bank, obtain transferring accounts to the money time for different bank in real time,
The transferring accounts to the money time of different bank can also be stored in advance in the financial management system of enterprise, further according to the difference silver of storage
Capable transferring accounts is generated to money timetable to the money time.
Step S700, according to client need to the money time, it is described to money timetable, the customer account and it is described can
Transfer account list acquires account to money time of the money time beyond client's needs；
According to customer account, transfer account list and money timetable can be arrived, inquiry obtains can be in transfer account list
It is all can transfer account transfer accounts to the time required for customer account, obtain the money time to the money time further according to what client needed
Beyond client need to the money time can transfer account.
Step S800, by the money time beyond client need to the money time can transfer account from it is described can transfer account
It is deleted in list.
By to the money time beyond client need to the money time can transfer account from can be deleted in transfer account list, from
And ensure can in transfer account list it is all can transfer account transfer accounts and can meet visitor to the time required for customer account
The requirement at family improves the satisfaction of client.
Further, Fig. 8 is please referred to, Fig. 8 is the transfer charge rate that different bank is obtained in the embodiment of the present invention, and
The process refinement signal for the step of generating Fee Schedule according to the transfer charge rate, based on the above embodiment, step S300
Include:
Step S310: judge whether to receive transfer charge computations；
Step S320 obtains the hand of transferring accounts shown on bank web page when receiving transfer charge computations in real time
Continue to pay dues rate；
Step S330 generates Fee Schedule according to the transfer charge rate.
Specifically, terminal of the invention is associated with the official website of bank, judges whether that receiving transfer charge calculating refers to
It enables, when receiving transfer charge computations, obtains the transfer charge rate shown on bank web page in real time, then will turn
Account service charge rate is filled into table, generates Fee Schedule.In another embodiment, it can store the exchange rate of different bank
Table, then default acquisition time is directly set, the transfer charge rate of a different bank, root are obtained every default acquisition time
Fee Schedule is updated according to the transfer charge rate got, default acquisition time can according to the actual needs of client into
Row setting, can be one day, one week or two weeks.
In addition, the present invention also provides a kind of account recommendation device, account recommendation device includes:
First obtains module, the customer account that the first acquisition module is used to obtain all accounts of enterprise, need to transfer accounts
The transfer amounts that family and needs are transferred accounts；
Screening module, the screening module for filtered out from all accounts of enterprise can transfer account, and according to can
Transfer account generation can transfer account list；
Second obtains module, and the second acquisition module is used to obtain the transfer charge rate of different bank, and according to
The transfer charge rate generates Fee Schedule；
Computing module, the computing module be used for according to the customer account, it is described can transfer account list, the rate
Table and the transfer amounts, be calculated transfer charge it is minimum can transfer account as transfer account.
Wherein, modules are opposite with each step in above-mentioned account recommendation embodiment of the method in above-mentioned account recommendation device
It answers, function and realization process no longer repeat one by one here.
In addition, the present invention also provides a kind of computer readable storage mediums.
It is stored with account recommendation program on computer readable storage medium of the present invention, is stored on computer readable storage medium
There is account recommendation program, when wherein account recommendation program is executed by processor, realizes such as the step of above-mentioned account recommendation method.
Wherein, account recommendation program, which is performed realized method, can refer to each reality of account recommendation method of the present invention
Example is applied, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of account recommendation method, which is characterized in that the account recommendation method includes:
The transfer amounts for obtaining all accounts of enterprise, the customer account transferred accounts and needs being needed to transfer accounts；
Filtered out in the account all from enterprise can transfer account, and according to can transfer account generation can transfer account list；
The transfer charge rate of different bank is obtained, and Fee Schedule is generated according to the transfer charge rate；
According to the customer account, it is described can transfer account list, the Fee Schedule and the transfer amounts, be calculated turn
Account service charge it is minimum can transfer account as transfer account.
2. account recommendation method as described in claim 1, which is characterized in that it is described according to the customer account, described turn
Account account list, the Fee Schedule and the transfer amounts, be calculated transfer charge it is minimum can transfer account conduct
The step of transfer account includes:
It obtains the corresponding bank of deposit of the customer account and opens an account ground；
The corresponding bank of deposit of transfer account and it can open an account ground in transfer account list described in acquisition；
It ground and described can be transferred accounts in transfer account list according to the corresponding bank of deposit of the customer account and opening an account
The corresponding bank of deposit of account and ground of opening an account, searched in Fee Schedule obtain by it is described can account of transferring accounts in transfer account list
It transfers accounts to service charge rate needed for the customer account at family；
Transfer charge is calculated according to service charge rate and the transfer amounts；
Choose transfer charge it is minimum it is described can in transfer account list can transfer account as transfer account.
3. account recommendation method according to claim 2, which is characterized in that described to choose the minimum institute of transfer charge
State can in transfer account list can transfer account as the step of transfer account include:
If it exists two or more service charges it is minimum can transfer account, obtain service charge it is minimum can transfer account it is corresponding
Transfer accounts to the money time；
Choose transfer accounts to the money time it is most fast can transfer account as transfer account.
4. account recommendation method as described in claim 1, which is characterized in that filtering out in the account all from enterprise can
Transfer account, and according to can transfer account generation can include: the step of transfer account list
Obtain the account balance of all accounts of enterprise；
Compare the account balance of each account and the size relation of the transfer amounts；
The account that account balance in all accounts is greater than the transfer amounts is labeled as can transfer account；
According to label can transfer account generate described in can transfer account list.
5. account recommendation method as claimed in claim 4, which is characterized in that it is described according to label can transfer account generate institute
State to include: the step of transfer account list
Obtain enterprise expenditure plan, judge enterprise expenditure in the works whether include can transfer account expenditure plan；
When the expenditure of enterprise include in the works can transfer account expenditure plan when, calculate can transfer account account balance with
Whether the difference of the amount paid of expenditure plan is greater than the transfer amounts；
If can transfer account account balance and expenditure plan amount paid difference be greater than the transfer amounts, can turn
Account account be included in it is described can transfer account list.
6. account recommendation method according to any one of claims 1 to 5, which is characterized in that the account all from enterprise
In filter out can transfer account, and according to can transfer account generate can transfer account list the step of after further include:
The money time is arrived according to what the remark information acquisition client in the contract information or financial management system signed with client needed；
Transferring accounts to the money time for different bank is obtained, and money timetable is generated to the money time according to described transfer accounts；
According to client need to the money time, it is described to money timetable, the customer account and it is described can transfer account list,
Acquire the money time beyond client need to the money time can transfer account；
By to the money time beyond client need to the money time can transfer account can be deleted in transfer account list from described.
7. account recommendation method according to any one of claims 1 to 5, which is characterized in that described to obtain turning for different bank
Account service charge rate, and the step of generating Fee Schedule according to the transfer charge rate includes:
Judge whether to receive transfer charge computations；
When receiving transfer charge computations, the transfer charge rate shown on bank web page is obtained in real time；
Fee Schedule is generated according to the transfer charge rate.
8. a kind of account recommendation device characterized by comprising
First obtains module, the first acquisition module be used to obtain all accounts of enterprise, need the customer account transferred accounts with
And the transfer amounts for needing to transfer accounts；
Screening module, the screening module for filtered out from all accounts of enterprise can transfer account, and according to can transfer accounts
Account generation can transfer account list；
Second obtains module, and the second acquisition module is used to obtain the transfer charge rate of different bank, and according to described
Transfer charge rate generates Fee Schedule；
Computing module, the computing module be used for according to the customer account, it is described can transfer account list, the Fee Schedule with
And the transfer amounts, the minimum account of transfer charge is calculated as transfer account.
9. a kind of terminal, which is characterized in that the terminal includes processor, memory and is stored on the memory simultaneously
The account recommendation program that can be executed by the processor, wherein being realized when the account recommendation program is executed by the processor
The step of account recommendation method as described in any one of claims 1 to 7.
10. a kind of computer readable storage medium, which is characterized in that be stored with account on the computer readable storage medium and push away
Program is recommended, wherein realizing the account as described in any one of claims 1 to 7 when the account recommendation program is executed by processor
The step of family recommended method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811083411.6A CN109670806A (en) | 2018-09-17 | 2018-09-17 | Account recommendation method, apparatus, terminal and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811083411.6A CN109670806A (en) | 2018-09-17 | 2018-09-17 | Account recommendation method, apparatus, terminal and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
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| CN109670806A true CN109670806A (en) | 2019-04-23 |
Family
ID=66142394
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811083411.6A Pending CN109670806A (en) | 2018-09-17 | 2018-09-17 | Account recommendation method, apparatus, terminal and computer readable storage medium |
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| CN (1) | CN109670806A (en) |
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