CN109727002B - Fund collection method and device, storage medium and computer equipment - Google Patents
Fund collection method and device, storage medium and computer equipment Download PDFInfo
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Abstract
The invention provides a fund collection method, a device, a storage medium and computer equipment, which are applied to a clearing platform, wherein the clearing platform is provided with a plurality of reserve payment accounts of different management levels aiming at a target payment mechanism, and the reserve payment accounts store funds of the target payment mechanism; and (4) carrying out collection operation on the fund according to the income flow information and the management level of the back-up payment account. By the method and the system, the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement is met.
Description
Technical Field
The invention relates to the technical field of clearing, in particular to a fund collection method, a fund collection device, a fund collection storage medium and computer equipment.
Background
In the actual application process of the clearing platform, the funds of each payment mechanism are distributed in each level of account, and in the related technology, for high-concurrency deposit operation, deposit modes such as queuing, caching and the like are generally adopted.
In this way, risks and problems such as loss of the income flow information, slow income and the like may be caused, and the fund collection effect is not good.
Disclosure of Invention
The present invention is directed to solving, at least to some extent, one of the technical problems in the related art.
Therefore, one objective of the present invention is to provide a fund collection method, which can effectively improve the fund collection effect under the distributed account system architecture and meet the high-concurrency fund collection requirement.
Another object of the present invention is to provide a fund collection device.
It is another object of the invention to propose a non-transitory computer-readable storage medium.
It is a further object of the invention to propose a computer program product.
Another object of the invention is to propose a computer device.
In order to achieve the above object, a fund collection method provided in an embodiment of a first aspect of the present invention is applied to a clearing platform, in which a plurality of prepaid accounts of different management levels are configured for a target payment mechanism, and the prepaid accounts store funds of the target payment mechanism, and the method includes: counting the deposit running water information of the spare payment account within a preset time range; and according to the income flow information, combining with the management level of the reserve payment account, and collecting the fund.
According to the fund collection method provided by the embodiment of the first aspect of the invention, the fund collection operation is performed by counting the deposit flow information of the reserve payment account within the preset time range and combining the management level of the reserve payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement is met.
In order to achieve the above object, a fund collection device according to an embodiment of a second aspect of the present invention is applied to a clearing platform in which a plurality of prepaid accounts of different management levels are configured for a target payment mechanism, the plurality of prepaid accounts storing funds of the target payment mechanism, and the fund collection device includes: the statistical module is used for counting the deposit running water information of the spare payment account within a preset time range; and the collection module is used for collecting the fund according to the income flow information and by combining with the management level of the reserve payment account.
The fund collection device provided by the embodiment of the second aspect of the invention collects the fund by counting the deposit flow information of the reserve payment account within the preset time range and combining the management level of the reserve payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement can be met.
To achieve the above object, a non-transitory computer-readable storage medium is provided in an embodiment of a third aspect of the present invention, and when executed by a processor of a mobile terminal, enables the mobile terminal to execute a fund collection method applied in a clearing platform, in which a plurality of prepaid accounts of different management levels are configured for a target payment mechanism, and the plurality of prepaid accounts store funds of the target payment mechanism, the method including: counting the deposit running water information of the spare payment account within a preset time range; and according to the income flow information, combining with the management level of the reserve payment account, and collecting the fund.
The non-transitory computer-readable storage medium provided in the embodiment of the third aspect of the present invention collects funds by counting the deposit flow information of the back-up payment account within the preset time range and combining the management level of the back-up payment account according to the deposit flow information, so that the fund collection effect under the distributed account architecture can be effectively improved, and the high-concurrency fund collection requirement can be met.
To achieve the above object, a computer program product according to a fourth aspect of the present invention is a computer program product, wherein when the instructions of the computer program product are executed by a processor, a fund collection method is performed, and the method is applied to a clearing platform, in which a plurality of reserve payment accounts with different management levels are configured for a target payment mechanism, and the reserve payment accounts store funds of the target payment mechanism, and the method includes: counting the deposit running water information of the spare payment account within a preset time range; and according to the income flow information, combining with the management level of the reserve payment account, and collecting the fund.
According to the computer program product provided by the embodiment of the fourth aspect of the invention, the fund collection operation is performed by counting the deposit flow information of the reserve payment account within the preset time range and combining the management level of the reserve payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement is met.
The embodiment of the fifth aspect of the present invention further provides a computer device, which includes a housing, a processor, a memory, a circuit board, and a power circuit, wherein the circuit board is disposed inside a space enclosed by the housing, and the processor and the memory are disposed on the circuit board; the power supply circuit is used for supplying power to each circuit or device of the computer equipment; the memory is used for storing executable program codes; the processor executes a program corresponding to the executable program code by reading the executable program code stored in the memory, for performing: counting the deposit running water information of the spare payment account within a preset time range; and according to the income flow information, combining with the management level of the reserve payment account, and collecting the fund.
The computer device provided by the embodiment of the fifth aspect of the invention collects the funds by counting the deposit flow information of the prepaid account within the preset time range and combining the management level of the prepaid account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement can be met.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
The foregoing and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a schematic flow chart of a fund collection method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart diagram of a fund collection method according to another embodiment of the present invention;
FIG. 3 is a schematic flow chart diagram of a fund collection method according to another embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a fund collection apparatus according to an embodiment of the present invention;
FIG. 5 is a schematic view of a fund collection apparatus according to another embodiment of the present invention;
fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the accompanying drawings are illustrative only for the purpose of explaining the present invention, and are not to be construed as limiting the present invention. On the contrary, the embodiments of the invention include all changes, modifications and equivalents coming within the spirit and terms of the claims appended hereto.
Fig. 1 is a schematic flow chart of a fund collection method according to an embodiment of the present invention.
The present embodiment is exemplified in that the fund collection method is configured as a fund collection device.
The fund collection method in this embodiment may be configured in the fund collection device, and the fund collection device may be disposed in the server, or may also be disposed in the electronic device, which is not limited in this embodiment of the present invention.
The present embodiment takes the example that the fund aggregation method is configured in the server.
The electronic device is, for example, a Personal Computer (PC), a cloud device or a mobile device, and the mobile device is, for example, a smart phone or a tablet Computer.
It should be noted that, the execution main body of the embodiment of the present invention may be, for example, a Central Processing Unit (CPU) in a server or an electronic device in terms of hardware, and may be, for example, a related background service in the server or the electronic device in terms of software, which is not limited to this.
The fund collection method in the embodiment is applied to a clearing platform, wherein a plurality of fund-making accounts with different management levels are configured for a target payment mechanism in the clearing platform, and the funds of the target payment mechanism are stored in the fund-making accounts.
The target payment mechanism may be, for example, a payment instrument, a WeChat payment, etc., without limitation.
The clearing platform in the embodiment of the invention has a three-level account architecture.
In the actual application process of the clearing platform, the funds of each payment mechanism are distributed in each level of account, and in the related technology, for high-concurrency deposit operation, deposit modes such as queuing, caching and the like are generally adopted.
In this way, risks and problems such as loss of the income flow information, slow income and the like may be caused, and the fund collection effect is not good.
In order to solve the above technical problem, an embodiment of the present invention provides a fund collection method, which collects funds by counting the deposit flow information of the back-up payment account within a preset time range and combining the management level of the back-up payment account according to the deposit flow information, so as to effectively improve a fund collection effect under a distributed account system architecture and meet high-concurrency fund collection requirements.
Referring to fig. 1, the method includes:
s101: and counting the deposit running water information of the reserve payment account within a preset time range.
The preset time range may be dynamically set by the clearing platform user according to the use requirement of the clearing platform user, or may be preset by a factory program of the clearing platform, which is not limited to this.
In the specific execution process, the preset time range can be set to be a relatively large range, and the running information omission caused by the collection failure operation can be effectively avoided by counting the deposit running information of the payment account in the preset time range, so that the precision of fund collection is guaranteed.
The clearing platform in the embodiment of the invention is a distributed structure.
The architecture of the reserve payment account corresponds to a distributed structure of a clearing platform, and specifically, the clearing platform includes: the system comprises a centralized management platform, a database management center and a database, wherein the number of the database management centers can be multiple, each database management center is distributed in different geographical areas, the centralized management platform is used for performing centralized management on data in each database management center, and correspondingly, the database is used for supporting the money outlet service and the money inlet service of each payment mechanism.
In the embodiment of the invention, each database management center respectively processes network payment transactions initiated by different payment mechanisms, and transaction data of each database management center needs to be collected and collected to the centralized management platform, so in the embodiment of the invention, the reserve payment account of the centralized management platform hierarchy can be respectively set up for different payment mechanisms in the centralized management platform, the reserve payment account of the database management center hierarchy can be set up for each database management center, and the reserve payment account of the database hierarchy can be set up for the database hierarchy, and the reserve payment account of the database hierarchy can be a plurality of discrete virtual sub-accounts based on performance consideration.
The management hierarchy may be embodied as a centralized management platform hierarchy, a database management center hierarchy, and a database hierarchy.
S102: and (4) carrying out collection operation on the fund according to the income flow information and the management level of the back-up payment account.
Optionally, in some embodiments, the management hierarchy comprises: a database management center hierarchy, and a database hierarchy, the database management center hierarchy being higher than the database hierarchy, see fig. 2, S102, which may include:
s201: and determining the fund balance in each deposit sub-account corresponding to the database hierarchy of the target payment mechanism according to the deposit flow information.
S202: and collecting the fund balance into the reserve payment account of the database management center level, and simultaneously carrying out zero clearing treatment on the fund balance in each deposit sub-account.
Optionally, in some embodiments, the management hierarchy further comprises: the centralized management platform hierarchy, which is higher than the database management center hierarchy, referring to fig. 3, S102, may further include:
s301: and determining the fund balance in the reserve payment account corresponding to the database management center level of the target payment mechanism according to the deposit flow information.
S302: and collecting partial sum of money in a preset proportion in the fund balance into a spare payment account of the centralized management platform level.
S303: and transferring the sum except part of the sum in the fund balance to each cash-out sub-account corresponding to the database hierarchy of the target payment mechanism.
As an example, 1, in the process of collecting funds, the balance of the funds in each deposit sub-account corresponding to the database hierarchy is collected into the reserve payment account of the database management center hierarchy, and in the process of collecting funds, the balance of the reserve payment sub-account in the deposit sub-account can be collected into the reserve payment account of the database management center hierarchy, and the collection of funds of the database management center hierarchy is completed, at this time, the balance of the deposit sub-account becomes 0, the balance of the reserve payment account of the database management center hierarchy increases by a corresponding amount, and the balance of the reserve payment account of the centralized management platform hierarchy is not affected by the collection, and the balance is not changed. The fund collection of the database level can scan the deposit flow information of all deposit sub-accounts under the database at regular time, and the fund collection is made according to the deposit sub-accounts of different institutions.
2. The balance of the reserve payment account at the level of the database management center is collected into the reserve payment account at the level of the centralized management platform, in the fund collection process, the balance part of the reserve payment account at the level of the database management center can be collected into the reserve payment account at the level of the centralized management platform, part of the amount is reserved, and the amount can be transferred to a fund withdrawal sub-account in the subsequent fund withdrawal process.
3. The balance among the reserve payment account of the centralized management platform level, the reserve payment account of the database management center level and the deposit sub-account has no contained relation.
In the specific implementation process of the embodiment of the invention, when the fund is collected, the detailed information of the account balance change and the running information of fund transfer such as the fund deposit direction, the opponent account, the transfer time, the amount and the like can be recorded so as to support the checking function of the accounts between the subsequent accounts.
In the specific execution process of the embodiment of the invention, the realization of the fund collection is completed by the timing task, the configuration of the timing task can be in a control center corresponding to the clearing platform, the control center can set three collected scheduling parent tasks according to the different collection types, and the data center generates different scheduling subtasks according to the specific function of each collected scheduling task.
Step 1, the task scheduling system triggers a fund collection instruction at regular time.
And 2, the database management center receives the fund collection instruction and then inquires the parameter information of the subtask instruction on the centralized management platform.
And 3, the database management center generates a plurality of subtasks according to the parameter information of the subtask instruction.
And 4, the database management center issues a scheduling subtask instruction through a task scheduling system API.
And 5, the task scheduling system issues a gathering subtask instruction.
And 6, after receiving the command of the sub-tasks, carrying out fund collection operation by each fund collection module.
And 7, modifying the collection state after collection is finished.
In the embodiment of the invention, through the embodiment shown in fig. 2 and 3, the fund collection method under the distributed framework can ensure the data security and the collection efficiency, the sub-databases and the sub-tables are used for performing the stream collection, the sub-accounts are used for performing the sub-account collection, the collection time consumption is not increased when the data volume is increased, the appeal on the fund accuracy and the fund security in the financial industry is met, and the capability of processing a large amount of data and concurrency is also ensured.
In the embodiment, the fund collection operation is performed by counting the deposit flow information of the reserve payment account within the preset time range and combining the management level of the reserve payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement is met.
Fig. 4 is a schematic structural diagram of a fund collection apparatus according to an embodiment of the present invention.
The method is applied to a clearing platform, wherein a plurality of fund-making accounts with different management levels are configured for a target payment mechanism in the clearing platform, and funds of the target payment mechanism are stored in the fund-making accounts.
Referring to fig. 4, the apparatus 400 includes:
the counting module 401 is configured to count the deposit flow information of the reserve payment account within a preset time range.
And the collecting module 402 is used for collecting the fund according to the income flow information and the management level of the reserve payment account.
Optionally, in some embodiments, the management hierarchy comprises: a database management center hierarchy, and a database hierarchy, the database management center hierarchy being higher than the database hierarchy, see fig. 5, an aggregation module 402, comprising:
the determining submodule 4021 is configured to determine, according to the deposit flow information, a fund balance in each deposit sub-account corresponding to the database hierarchy of the target payment mechanism.
The collecting submodule 4022 is configured to collect the fund balance into the spare payment account of the database management center hierarchy, and perform zero clearing processing on the fund balance in each deposit sub-account.
Optionally, in some embodiments, the management hierarchy further comprises: a centralized management platform hierarchy higher than the database management center hierarchy, wherein,
the determining submodule 4021 is further configured to determine, according to the deposit flow information, a fund balance in a reserve payment account corresponding to a database management center level of the target payment mechanism;
the collecting submodule 4022 is further configured to collect a part of money in the fund balance according to a preset proportion into a spare payment account of the centralized management platform level.
Optionally, in some embodiments, the aggregating submodule 4022 is further configured to:
and transferring the sum except part of the sum in the fund balance to each cash-out sub-account corresponding to the database hierarchy of the target payment mechanism.
Alternatively, in some embodiments, wherein,
the collecting module 402 is specifically configured to collect funds according to the deposit flow information at intervals of a preset time period and in combination with a management level of the reserve payment account.
It should be noted that the foregoing explanation of the embodiment of the fund collection method in fig. 1 to fig. 3 also applies to the fund collection apparatus 400 in this embodiment, and the implementation principle thereof is similar and will not be described herein again.
In the embodiment, the fund collection operation is performed by counting the deposit flow information of the reserve payment account within the preset time range and combining the management level of the reserve payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement is met.
Fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
The computer device may be a mobile phone, a tablet computer, etc.
Referring to fig. 6, the computer device 60 of the present embodiment includes: the device comprises a shell 601, a processor 602, a memory 603, a circuit board 604 and a power supply circuit 605, wherein the circuit board 604 is arranged in a space surrounded by the shell 601, and the processor 602 and the memory 603 are arranged on the circuit board 604; a power supply circuit 605 for supplying power to each circuit or device of the computer apparatus 60; the memory 603 is used for storing executable program code; wherein the processor 602 runs a program corresponding to the executable program code by reading the executable program code stored in the memory 603, for performing:
counting the deposit flow information of the reserve payment account within a preset time range;
and (4) carrying out collection operation on the fund according to the income flow information and the management level of the back-up payment account.
It should be noted that the foregoing explanation of the embodiment of the fund aggregation method in fig. 1 to fig. 3 also applies to the computer device 60 of this embodiment, and the implementation principle thereof is similar and will not be described herein again.
The computer device in this embodiment collects funds by counting the deposit flow information of the back-up payment account within the preset time range and combining the management level of the back-up payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement can be met.
In order to implement the foregoing embodiment, the present invention further proposes a non-transitory computer-readable storage medium, wherein instructions of the storage medium, when executed by a processor of a terminal, enable the terminal to execute a fund collection method applied in a clearing platform, in which a plurality of reserve accounts having different management levels are configured for a target payment institution, the plurality of reserve accounts storing funds of the target payment institution, the method comprising:
counting the deposit flow information of the reserve payment account within a preset time range;
and (4) carrying out collection operation on the fund according to the income flow information and the management level of the back-up payment account.
The non-transitory computer-readable storage medium in this embodiment collects funds by counting the deposit flow information of the back-up payment account within the preset time range and combining the management level of the back-up payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement is met.
In order to implement the foregoing embodiment, the present invention further provides a computer program product, wherein when instructions in the computer program product are executed by a processor, a fund collection method is performed, and the method is applied in a clearing platform, in which a plurality of payment reserve accounts with different management levels are configured for a target payment mechanism, and the plurality of payment reserve accounts store funds of the target payment mechanism, and the method includes:
counting the deposit flow information of the reserve payment account within a preset time range;
and (4) carrying out collection operation on the fund according to the income flow information and the management level of the back-up payment account.
The computer program product in this embodiment collects funds by counting the deposit flow information of the back-up payment account within the preset time range and combining the management level of the back-up payment account according to the deposit flow information, so that the fund collection effect under the distributed account system architecture can be effectively improved, and the high-concurrency fund collection requirement can be met.
It should be noted that the terms "first," "second," and the like in the description of the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In addition, in the description of the present invention, "a plurality" means two or more unless otherwise specified.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (12)
1. A fund collection method is applied to a clearing platform, wherein a plurality of fund preparation accounts of different management levels are configured for target payment mechanisms in the clearing platform, the fund preparation accounts store funds of the target payment mechanisms, the management levels comprise a database level, a database management center level and a centralized management platform level, each database management center respectively processes network payment transactions initiated by different payment mechanisms, the fund preparation accounts of the centralized management platform level are respectively set up for different payment mechanisms in the centralized management platform, the fund preparation accounts of the database management center level are set up for each database management center, and the fund preparation accounts of the database level are discrete virtual sub-accounts in the database level, the method comprises the following steps:
counting the deposit running water information of the spare payment account within a preset time range;
and according to the counted income flow information, combining with the management level of the reserve payment account, and performing collection operation on the fund.
2. The method of claim 1, wherein the database management center level is higher than the database level, and the collecting the funds according to the deposit flow information in combination with the management level of the reserve payment account comprises:
determining fund balances in all deposit sub-accounts corresponding to the database hierarchy of the target payment mechanism according to the deposit flow information;
and collecting the fund balance into a reserve payment account of the database management center level, and simultaneously carrying out zero clearing treatment on the fund balance in each deposit sub-account.
3. The fund collection method according to claim 2, wherein the centralized management platform is higher than the database management center, and the collecting of the fund according to the deposit flow information and the management level of the reserve payment account comprises:
determining the fund balance in a reserve payment account corresponding to the database management center level of the target payment mechanism according to the deposit flow information;
and collecting part of money in the fund balance according to a preset proportion into a spare payment account of the centralized management platform level.
4. The fund collection method according to claim 3, further comprising:
and transferring the amount of money except the partial amount of money in the fund balance to each cash-out sub-account corresponding to the database hierarchy of the target payment mechanism.
5. The fund aggregation method according to any one of claims 1 to 4, wherein,
and collecting the funds according to the income flow information and the management level of the spare payment account at intervals of a preset time period.
6. A fund collection device is applied to a clearing platform, wherein a plurality of fund reserve accounts with different management levels are configured for target payment mechanisms in the clearing platform, the fund reserve accounts store funds of the target payment mechanisms, the management levels comprise a database level, a database management center level and a centralized management platform level, each database management center respectively processes network payment transactions initiated by different payment mechanisms, the fund reserve accounts of the centralized management platform level are respectively set up for different payment mechanisms in the centralized management platform, the fund reserve accounts of the database management center level are set up for each database management center, and the fund reserve accounts of the database level are discrete virtual sub-accounts in the database level, the device comprises:
the statistical module is used for counting the deposit running water information of the spare payment account within a preset time range;
and the collection module is used for collecting the fund according to the counted income flow information and the management level of the reserve payment account.
7. The funds aggregation apparatus of claim 6, wherein the database management center level is higher than the database level, the aggregation module comprising:
the determining submodule is used for determining fund balances in all deposit sub-accounts corresponding to the database hierarchy of the target payment mechanism according to the deposit flow information;
and the collection submodule is used for collecting the fund balance into the reserve payment accounts of the database management center level and simultaneously carrying out zero clearing treatment on the fund balance in each deposit sub-account.
8. The funds aggregation apparatus of claim 7, wherein the centralized management platform is at a higher level than the database management center, wherein,
the determining submodule is further used for determining the fund balance in a reserve payment account corresponding to the database management center level of the target payment mechanism according to the deposit flow information;
the collection submodule is also used for collecting part of money amount in the fund balance according to the preset proportion into the reserve payment account of the centralized management platform level.
9. The funds aggregation device of claim 8, wherein the aggregation sub-module is further configured to:
and transferring the amount of money except the partial amount of money in the fund balance to each cash-out sub-account corresponding to the database hierarchy of the target payment mechanism.
10. The fund collection apparatus according to any one of claims 6 to 9, wherein,
the collection module is specifically configured to collect the funds according to the income flow information and in combination with the management level of the reserve payment account at intervals of a preset time period.
11. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the program when executed by a processor implements the fund collection method according to any one of claims 1-5.
12. A computer device applied in a clearing platform, in which a plurality of payment reserve accounts with different management levels are configured for target payment mechanisms, the payment reserve accounts store the funds of the target payment mechanisms, the management levels comprise a database level, a database management center level and a centralized management platform level, each database management center respectively processes network payment transactions initiated by different payment mechanisms, in the centralized management platform, the payment reserve accounts of the centralized management platform level are respectively set up for different payment mechanisms, the payment reserve accounts of the database level are set up for each database management center, and the payment reserve accounts of the database level are discrete virtual sub-accounts, the computer equipment comprises a shell, a processor, a memory, a circuit board and a power circuit, wherein the circuit board is arranged in a space enclosed by the shell, and the processor and the memory are arranged on the circuit board; the power supply circuit is used for supplying power to each circuit or device of the computer equipment; the memory is used for storing executable program codes; the processor executes a program corresponding to the executable program code by reading the executable program code stored in the memory, for performing:
counting the deposit running water information of the spare payment account within a preset time range;
according to the counted deposit flow information, combining the management levels of the reserve payment accounts to carry out collection operation on the funds, wherein the management levels comprise a database level, a database management center level and a centralized management platform level, each database management center respectively processes network payment transactions initiated by different payment mechanisms, in the centralized management platform, the reserve payment accounts of the centralized management platform level are respectively set for different payment mechanisms, the reserve payment accounts of the database management center level are set for each database management center, and the reserve payment accounts of the database level are set for the database level, and the reserve payment accounts of the database level are a plurality of discrete virtual sub-accounts.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811044518.XA CN109727002B (en) | 2018-09-07 | 2018-09-07 | Fund collection method and device, storage medium and computer equipment |
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| CN201811044518.XA CN109727002B (en) | 2018-09-07 | 2018-09-07 | Fund collection method and device, storage medium and computer equipment |
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| CN109727002A CN109727002A (en) | 2019-05-07 |
| CN109727002B true CN109727002B (en) | 2022-04-05 |
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| US7133846B1 (en) * | 1995-02-13 | 2006-11-07 | Intertrust Technologies Corp. | Digital certificate support system, methods and techniques for secure electronic commerce transaction and rights management |
| JPH0954802A (en) * | 1995-08-18 | 1997-02-25 | Tokimec Inc | Data processor using non-contact data storage medium |
| US7654447B1 (en) * | 2005-12-29 | 2010-02-02 | United Services Automobile Association (Usaa) | Auto check reorder |
| CN101556718A (en) * | 2009-05-21 | 2009-10-14 | 中国建设银行股份有限公司 | Multistage account fund management system and device |
| CN102999866A (en) * | 2012-12-10 | 2013-03-27 | 中国民生银行股份有限公司 | Fund collection method and system |
| CN103390210A (en) * | 2013-06-19 | 2013-11-13 | 华夏银行股份有限公司 | Fund payment management system |
| CN104318473A (en) * | 2014-10-30 | 2015-01-28 | 中国建设银行股份有限公司 | Multi-stage funds management method and system |
| CN105894378A (en) * | 2016-05-03 | 2016-08-24 | 中国银联股份有限公司 | Device and method for early warning of provision balances |
| CN108269182B (en) * | 2017-08-24 | 2021-04-02 | 平安科技（深圳）有限公司 | Balance calculation method and calculation equipment based on fund collection |
| CN107609975A (en) * | 2017-08-30 | 2018-01-19 | 广州普惠创新金融信息服务有限公司 | A kind of transaction control method, device and the storage medium of transaction system of classifying |
| CN108446972A (en) * | 2018-02-07 | 2018-08-24 | 深圳市雁联计算系统有限公司 | Bank's Supervision of credit method, apparatus and fund position manage system |
| CN108389123A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet syndicated loan system and method |
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