CN109727117A - Excess reserve allots method, apparatus and storage medium - Google Patents

Excess reserve allots method, apparatus and storage medium Download PDF

Info

Publication number
CN109727117A
CN109727117A CN201811043143.5A CN201811043143A CN109727117A CN 109727117 A CN109727117 A CN 109727117A CN 201811043143 A CN201811043143 A CN 201811043143A CN 109727117 A CN109727117 A CN 109727117A
Authority
CN
China
Prior art keywords
excess reserve
level
account
excess
management
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201811043143.5A
Other languages
Chinese (zh)
Inventor
郑建军
左超
白宗秋
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NetsUnion Clearing Corp
Original Assignee
NetsUnion Clearing Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by NetsUnion Clearing Corp filed Critical NetsUnion Clearing Corp
Priority to CN202110983640.9A priority Critical patent/CN113807944A/en
Priority to CN201811043143.5A priority patent/CN109727117A/en
Publication of CN109727117A publication Critical patent/CN109727117A/en
Pending legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention proposes that a kind of excess reserve allots method, apparatus and storage medium, join in clearance platform applied to net, join in clearance platform in net, for target payment mechanism, multiple excess reserve accounts configured with different management levels, multiple excess reserve accounts are stored with the excess reserve of target payment mechanism, and this method includes the management level of determining each excess reserve account;According to management level, alloted in conjunction with excess reserve of the preset strategy to target payment mechanism.It can be realized the progress excess reserve under distributed system of account framework through the invention to allot, effectively adjustment balances the excess reserve in accounts at different levels.

Description

Excess reserve allots method, apparatus and storage medium
Technical field
The present invention relates to clearance technical fields more particularly to a kind of excess reserve to allot method, apparatus and storage medium.
Background technique
In the actual application that net joins clearance platform, the excess reserve of each payment mechanism is distributed in accounts at different levels, out A period of time persistently occurs for golden business, and the excess reserve that will lead between accounts at different levels is uneven, leads to golden service fail out, because This, it is necessary to excess reserve is carried out under the distribution system of account framework and is alloted, and constantly to adjust the provision balanced in each account Gold.
Summary of the invention
The present invention is directed to solve at least some of the technical problems in related technologies.
For this purpose, an object of the present invention is to provide a kind of excess reserves to allot method, can be realized in distributed account It carries out excess reserve under architectural framework to allot, effectively adjustment balances the excess reserve in accounts at different levels.
It is another object of the present invention to propose that a kind of excess reserve allots device.
It is another object of the present invention to propose a kind of non-transitorycomputer readable storage medium.
It is another object of the present invention to propose a kind of computer program product.
It is another object of the present invention to propose a kind of computer equipment.
In order to achieve the above objectives, the excess reserve that first aspect present invention embodiment proposes allots method, and it is clear to be applied to net connection It calculates in platform, joins in clearance platform in the net, for target payment mechanism, multiple excess reserves configured with different management levels Account, the multiple excess reserve account are stored with the excess reserve of the target payment mechanism, comprising: determine each excess reserve account The management level at family;According to the management level, alloted in conjunction with excess reserve of the preset strategy to the target payment mechanism.
The excess reserve that first aspect present invention embodiment proposes allots method, passes through the management level of each excess reserve account of determination Grade, and according to management level, it allots, is can be realized in distribution in conjunction with excess reserve of the preset strategy to target payment mechanism It carries out excess reserve under system of account framework to allot, effectively adjustment balances the excess reserve in accounts at different levels.
In order to achieve the above objectives, the excess reserve that second aspect of the present invention embodiment proposes allots device, and it is clear to be applied to net connection It calculates in platform, joins in clearance platform in the net, for target payment mechanism, multiple excess reserves configured with different management levels Account, the multiple excess reserve account are stored with the excess reserve of the target payment mechanism, comprising: determining module, for determining The management level of each excess reserve account;Module is alloted, is used for according to the management level, in conjunction with preset strategy to the mesh The excess reserve of mark payment mechanism is alloted.
The excess reserve that second aspect of the present invention embodiment proposes allots device, passes through the management level of each excess reserve account of determination Grade, and according to management level, it allots, is can be realized in distribution in conjunction with excess reserve of the preset strategy to target payment mechanism It carries out excess reserve under system of account framework to allot, effectively adjustment balances the excess reserve in accounts at different levels.
In order to achieve the above objectives, the non-transitorycomputer readable storage medium that third aspect present invention embodiment proposes, When the instruction in the storage medium is performed by the processor of mobile terminal, so that mobile terminal is able to carry out a kind of provision Gold allots method, is applied in net connection clearance platform, joins in clearance platform in the net, for target payment mechanism, be configured with Multiple excess reserve accounts of different management levels, the multiple excess reserve account are stored with the provision of the target payment mechanism Gold, which comprises determine the management level of each excess reserve account;According to the management level, in conjunction with preset strategy The excess reserve of the target payment mechanism is alloted.
The non-transitorycomputer readable storage medium that third aspect present invention embodiment proposes, passes through each excess reserve of determination The management level of account, and according to management level, it is alloted in conjunction with excess reserve of the preset strategy to target payment mechanism, it can Realize that excess reserve is carried out under distributed system of account framework allots, effectively adjustment balances the excess reserve in accounts at different levels.
In order to achieve the above objectives, the computer program product that fourth aspect present invention embodiment proposes, when the computer It when instruction in program product is executed by processor, executes a kind of excess reserve and allots method, be applied in net connection clearance platform, In the net connection clearance platform, for target payment mechanism, multiple excess reserve accounts configured with different management levels are described more A excess reserve account is stored with the excess reserve of the target payment mechanism, which comprises determines each excess reserve account Management level;According to the management level, alloted in conjunction with excess reserve of the preset strategy to the target payment mechanism.
The computer program product that fourth aspect present invention embodiment proposes, passes through the management level of each excess reserve account of determination Grade, and according to management level, it allots, is can be realized in distribution in conjunction with excess reserve of the preset strategy to target payment mechanism It carries out excess reserve under system of account framework to allot, effectively adjustment balances the excess reserve in accounts at different levels.
Fifth aspect present invention embodiment also proposes a kind of computer equipment, the computer equipment include shell, processor, Memory, circuit board and power circuit, wherein the circuit board is placed in the space interior that the shell surrounds, the processing Device and the memory are arranged on the circuit board;The power circuit, for each circuit for the computer equipment Or device power supply;The memory is for storing executable program code;The processor is deposited by reading in the memory The executable program code of storage runs program corresponding with the executable program code, for executing: determining each described The management level of excess reserve account;According to the management level, in conjunction with preset strategy to the excess reserve of the target payment mechanism It is alloted.
The computer equipment that fifth aspect present invention embodiment proposes, by the management level of each excess reserve account of determination, And according to management level, allots, can be realized in distributed account in conjunction with excess reserve of the preset strategy to target payment mechanism It carries out excess reserve under the architectural framework of family to allot, effectively adjustment balances the excess reserve in accounts at different levels.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partially become from the following description Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments Obviously and it is readily appreciated that, in which:
Fig. 1 is the flow diagram that the excess reserve that one embodiment of the invention proposes allots method;
Fig. 2 is the flow diagram that the excess reserve that another embodiment of the present invention proposes allots method;
Fig. 3 is the structural schematic diagram that the excess reserve that one embodiment of the invention proposes allots device;
Fig. 4 is the structural schematic diagram that the excess reserve that another embodiment of the present invention proposes allots device;
Fig. 5 is the structural schematic diagram for the computer equipment that one embodiment of the invention proposes.
Specific embodiment
The embodiment of the present invention is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached The embodiment of figure description is exemplary, and for explaining only the invention, and is not considered as limiting the invention.On the contrary, this The embodiment of invention includes all changes fallen within the scope of the spiritual and intension of attached claims, modification and is equal Object.
Fig. 1 is the flow diagram that the excess reserve that one embodiment of the invention proposes allots method.
The present embodiment, which in the excess reserve method of alloting is configured as excess reserve, to be alloted in device and illustrates.
The excess reserve method of alloting can be configured in excess reserve and allot in device in the present embodiment, and excess reserve allots device can To be arranged in the server, or also can be set in the electronic device, the embodiment of the present invention to this with no restriction.
The present embodiment is by taking the excess reserve method of alloting is configured in the server as an example.
Wherein, electronic equipment is, for example, PC (Personal Computer, PC), and cloud device or movement are set It is standby, mobile device such as smart phone or tablet computer etc..
It should be noted that the executing subject of the embodiment of the present invention, can be, for example, server or electronics on hardware Central processing unit (Central Processing Unit, CPU) in equipment, on software can be, for example, server or Relevant background service in electronic equipment, with no restriction to this.
Excess reserve is alloted method and is applied in net connection clearance platform in the present embodiment, joins in clearance platform in net, for mesh Payment mechanism, multiple excess reserve accounts configured with different management levels are marked, multiple excess reserve accounts are stored with target payment machine The excess reserve of structure.
Target payment mechanism therein can be, for example, Alipay, wechat payment etc., with no restriction to this.
Net connection clearance platform in the embodiment of the present invention has three-level system of account framework.
In the actual application that net joins clearance platform, the excess reserve of each payment mechanism is distributed in accounts at different levels, out A period of time persistently occurs for golden business, and the excess reserve that will lead between accounts at different levels is uneven, leads to golden service fail out, because This, it is necessary to excess reserve is carried out under the distribution system of account framework and is alloted, and constantly to adjust the provision balanced in each account Gold.
In order to solve the above-mentioned technical problem, the embodiment of the present invention provides a kind of excess reserve and allots method, each standby by determination The management level of golden account is paid, and according to management level, is alloted in conjunction with excess reserve of the preset strategy to target payment mechanism, It can be realized the progress excess reserve under distributed system of account framework to allot, effectively adjustment balances the excess reserve in accounts at different levels.
Referring to Fig. 1, this method comprises:
S101: the management level of each excess reserve account is determined.
Net connection clearance platform in the embodiment of the present invention is distributed frame.
The architectural framework of excess reserve account therein is corresponding with the net connection clearance distributed frame of platform, specifically, net Connection clearance platform includes: to manage platform, data base administration center and database concentratedly, data base administration center therein Quantity can be to be multiple, and in different geographic areas, centralized management platform is used for each number each data base administration central distribution It is managed concentratedly according to the data in the administrative center of library, correspondingly, database is used to support the business golden out of each payment mechanism With enter golden business.
In the embodiment of the present invention, each data base administration center handles the network payment that different payment mechanisms are initiated respectively and hands over Easily, the transaction data of each data center summarize collect centralized management platform therefore, can in the embodiment of the present invention The excess reserve account of centralized management platform level is set up for different payment mechanisms respectively in centralized management platform, and The excess reserve account of data base administration center level is set up for each data base administration center, and is directed to database tier, if The excess reserve account of vertical database tier, also, consider that the excess reserve account of database tier can be discrete based on performance Multiple virtual subnet accounts.
Management level therein can be specially centralized management platform level, data base administration center level and data Library level.
The embodiment of the present invention is establishing the excess reserve account for completing above-mentioned different management levels during specific execute It behind family, can trigger in real time, or every preset period of time, trigger according to management level, in conjunction with preset strategy to target The excess reserve of payment mechanism is alloted.
S102: it according to management level, is alloted in conjunction with excess reserve of the preset strategy to target payment mechanism.
The embodiment of the present invention is establishing the excess reserve account for completing above-mentioned different management levels during specific execute Behind family, it can determine that each management level is corresponding and allot ratio value;By the excess reserve of target payment mechanism, according to each corresponding tune Ratio value is dialled, distribution is stored in the excess reserve account of each management level.
As an example, excess reserve account, the excess reserve of data base administration center level of platform level are managed concentratedly Account, the excess reserve account with database tier, the excess reserve between the excess reserve account of each management level allots ratio value can With with the relationship of X:Y:Z carry out excess reserve allot, initially allot during, can by the excess reserve of target payment mechanism, Wherein ratio is that the part of X/ (X+Y+Z) is stored in the excess reserve account of centralized management platform level, and ratio is Y/ (X+Y+Z) Part is stored in the excess reserve account of data base administration center level, and ratio is that the part of Z/ (X+Y+Z) is stored in database layer In the excess reserve account of grade.
Ratio value therein of alloting can be preset by alloting empirical value, with no restriction to this.
By above-mentioned, the excess reserve account that can be realized each management level is fully utilized, and realizes the standby of each management level Pay the initial balance of golden account.
For the embodiment of the present invention during specific execute, data base administration center level is higher than database tier, by mesh The excess reserve for marking payment mechanism, according to it is each it is corresponding allot ratio value, distribution is stored in the excess reserve account of each management level, It include: to determine the first ceiling of the excess reserve account of database tier based on ratio value is alloted;By data base administration center Excess reserve in the excess reserve account of level is alloted into the excess reserve account of database tier, so as to allot rear database layer Excess reserve in the excess reserve account of grade reaches the first ceiling.
The excess reserve of target payment mechanism is pressed alternatively, centralized management platform level is higher than data base administration center level According to it is each it is corresponding allot ratio value, distribution is stored in the excess reserve account of each management level, further includes: based on the ratio of alloting Value, determines the second ceiling of the excess reserve account of data base administration center level;By the standby of data base administration center level It pays in golden account, more than the excess reserve of the second ceiling, collects into the excess reserve account of centralized management platform level.
The embodiment of the present invention is during specific execute, also in the excess reserve account of data base administration center level When excess reserve, not up to the second ceiling, excess reserve is transferred from the excess reserve account of centralized management platform level.
As an example, timed task triggering transfers the excess reserve account of data base administration center level to database In the excess reserve account of level, the remaining sum of the excess reserve account of each database tier is increased into the first ceiling, and detain Subtract corresponding excess reserve in the excess reserve account of data base administration center level, the standby of data base administration center level will be collected The excess reserve for paying golden account is more than that the part of the second ceiling collects the excess reserve account of centralized management platform level upwards In, if the excess reserve of the excess reserve account of data base administration center level is less than the second ceiling, trigger to centralized management The excess reserve account request of platform level transfers excess reserve to guarantee to reach the second ceiling.
Optionally, in some embodiments, referring to fig. 2, this method further include:
S201: golden service request is received out.
S202: Sorry, your ticket has not enough value for the excess reserve in the excess reserve account for going out the requested objective management level of golden service request When, to the excess reserve account of a upper management level for objective management level, excess reserve is alloted in request.
As an example, go out in gold operation in excess reserve, for example, payment business (trade company's clearing), trade company can be from mesh It marks and extracts wholesale fund in the excess reserve account of payment mechanism, under this application scenarios, it is possible that wholesale goes out gold deficiency, When wholesale goes out gold deficiency, executes following step and carries out out gold operation:
1, the excess reserve account balance of database tier is insufficient:, can when the excess reserve account balance deficiency of database tier The excess reserve account of the golden amount of money to database tier is alloted out with the excess reserve account balance of first requested database administrative center level Family executes out gold operation after the completion of alloting.
2, the excess reserve account balance of data base administration center level is insufficient: when the excess reserve account request of database tier When the excess reserve account of data base administration center level allocates golden remaining sum, more than the excess reserve account of data base administration center level Volume is insufficient, then the amount of money that can first request the excess reserve account of centralized management platform level to go out gold is alloted to data base administration center The excess reserve account of level.
3, the excess reserve account balance for managing platform level concentratedly is insufficient: when the excess reserve account of data base administration center level When the excess reserve account of family request centralized management platform level allots out the golden amount of money, if the excess reserve account of centralized management platform level Sorry, your ticket has not enough value at family, then triggering collects the fund of the excess reserve account of each junior's management level, and then triggering is reduced, If failure, Sorry, your ticket has not enough value for return, goes out golden service fail information.
By receiving out golden service request, in the excess reserve account for going out the requested objective management level of golden service request Excess reserve when Sorry, your ticket has not enough value, to the excess reserve account of a upper management level for objective management level, excess reserve, energy are alloted in request It is enough to realize during practical business executes circulation, allot according to business, each excess reserve can be balanced in all directions Excess reserve between account accurately meets the needs of golden business out.
In the present embodiment, by the management level of each excess reserve account of determination, and according to management level, in conjunction with preset strategy The excess reserve of target payment mechanism is alloted, the progress excess reserve under distributed system of account framework is can be realized and allots, Effectively adjustment balances the excess reserve in accounts at different levels.
Fig. 3 is the structural schematic diagram that the excess reserve that one embodiment of the invention proposes allots device.
Join in clearance platform applied to net, joins in clearance platform in net, for target payment mechanism, be configured with different management Multiple excess reserve accounts of level, multiple excess reserve accounts are stored with the excess reserve of target payment mechanism.
Referring to Fig. 3, which includes:
Determining module 301, for determining the management level of each excess reserve account.
Module 302 is alloted, for being adjusted in conjunction with excess reserve of the preset strategy to target payment mechanism according to management level It dials.
Optionally, in some embodiments, referring to fig. 4, module 302 is alloted, comprising:
It determines submodule 3021, allots ratio value for determining that each management level is corresponding.
Submodule 3022 is alloted, for by the excess reserve of target payment mechanism, corresponding allots ratio value, distribution according to each It is stored in the excess reserve account of each management level.
Optionally, in some embodiments, management level includes: data base administration center level and database tier, data Depositary management manages center level and is higher than database tier, allots submodule 3022, is specifically used for:
Based on ratio value is alloted, the first ceiling of the excess reserve account of database tier is determined;
The excess reserve in the excess reserve account of data base administration center level is alloted to the excess reserve account of database tier In family, so that the excess reserve alloted in the excess reserve account of rear database tier reaches the first ceiling.
Optionally, in some embodiments, management level further include: centralized management platform level manages platform level concentratedly Higher than data base administration center level, submodule 3022 is alloted, is specifically used for:
Based on ratio value is alloted, the second ceiling of the excess reserve account of data base administration center level is determined;
By in the excess reserve account of data base administration center level, more than the excess reserve of the second ceiling, collect to collection In the excess reserve account of middle management platform level.
Optionally, in some embodiments, submodule 3022 is alloted, is specifically used for:
When excess reserve, not up to the second ceiling in the excess reserve account of data base administration center level, from collection Excess reserve is transferred in the excess reserve account of middle management platform level.
Optionally, in some embodiments, referring to fig. 4, further includes:
Receiving module 303, for receiving out golden service request;
Module 302 is alloted, for standby in the excess reserve account for going out the requested objective management level of golden service request Gold is paid when Sorry, your ticket has not enough value, to the excess reserve account of a upper management level for objective management level, excess reserve is alloted in request.
It should be noted that the explanation for alloting embodiment of the method to excess reserve in earlier figures 1- Fig. 2 embodiment is also fitted Excess reserve for the embodiment allots device 300, and realization principle is similar, and details are not described herein again.
In the present embodiment, by the management level of each excess reserve account of determination, and according to management level, in conjunction with preset strategy The excess reserve of target payment mechanism is alloted, the progress excess reserve under distributed system of account framework is can be realized and allots, Effectively adjustment balances the excess reserve in accounts at different levels.
Fig. 5 is the structural schematic diagram for the computer equipment that one embodiment of the invention proposes.
The computer equipment can be mobile phone, tablet computer etc..
Referring to Fig. 5, the computer equipment 50 of the present embodiment includes: shell 501, processor 502, memory 503, circuit board 504, power circuit 505, circuit board 504 are placed in the space interior that shell 501 surrounds, and processor 502, memory 503 are arranged On circuit board 504;Power circuit 505, for powering for each circuit of computer equipment 50 or device;Memory 503 is used for Store executable program code;Wherein, processor 502 is transported by reading the executable program code stored in memory 503 Row program corresponding with executable program code, for executing:
Determine the management level of each excess reserve account;
According to management level, alloted in conjunction with excess reserve of the preset strategy to target payment mechanism.
It should be noted that the explanation for alloting embodiment of the method to excess reserve in earlier figures 1- Fig. 2 embodiment is also fitted For the computer equipment 50 of the embodiment, realization principle is similar, and details are not described herein again.
Computer equipment in the present embodiment, by the management level of each excess reserve account of determination, and according to management level, It is alloted in conjunction with excess reserve of the preset strategy to target payment mechanism, can be realized and carried out under distributed system of account framework Excess reserve is alloted, and effectively adjustment balances the excess reserve in accounts at different levels.
In order to realize above-described embodiment, the present invention also proposes a kind of non-transitorycomputer readable storage medium, works as storage When instruction in medium is executed by the processor of terminal, enables the terminal to execute a kind of excess reserve and allot method, be applied to net In connection clearance platform, join in clearance platform in net, for target payment mechanism, multiple excess reserves configured with different management levels Account, multiple excess reserve accounts are stored with the excess reserve of target payment mechanism, and method includes:
Determine the management level of each excess reserve account;
According to management level, alloted in conjunction with excess reserve of the preset strategy to target payment mechanism.
Non-transitorycomputer readable storage medium in the present embodiment passes through the management level of each excess reserve account of determination Grade, and according to management level, it allots, is can be realized in distribution in conjunction with excess reserve of the preset strategy to target payment mechanism It carries out excess reserve under system of account framework to allot, effectively adjustment balances the excess reserve in accounts at different levels.
In order to realize above-described embodiment, the present invention also proposes a kind of computer program product, when in computer program product Instruction when being executed by processor, execute a kind of excess reserve and allot method, be applied in net connection clearance platform, it is flat in net connection clearance In platform, for target payment mechanism, multiple excess reserve accounts configured with different management levels, multiple excess reserve accounts are stored with The excess reserve of target payment mechanism, method include:
Determine the management level of each excess reserve account;
According to management level, alloted in conjunction with excess reserve of the preset strategy to target payment mechanism.
Computer program product in the present embodiment, by the management level of each excess reserve account of determination, and according to management Level is alloted in conjunction with excess reserve of the preset strategy to target payment mechanism, can be realized in distributed system of account framework Lower progress excess reserve is alloted, and effectively adjustment balances the excess reserve in accounts at different levels.
It should be noted that in the description of the present invention, term " first ", " second " etc. are used for description purposes only, without It can be interpreted as indication or suggestion relative importance.In addition, in the description of the present invention, unless otherwise indicated, the meaning of " multiple " It is two or more.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion Point, and the range of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discussed suitable Sequence, including according to related function by it is basic simultaneously in the way of or in the opposite order, Lai Zhihang function, this should be of the invention Embodiment person of ordinary skill in the field understood.
It should be appreciated that each section of the invention can be realized with hardware, software, firmware or their combination.Above-mentioned In embodiment, software that multiple steps or method can be executed in memory and by suitable instruction execution system with storage Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware Any one of column technology or their combination are realized: having a logic gates for realizing logic function to data-signal Discrete logic, with suitable combinational logic gate circuit specific integrated circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..
Those skilled in the art are understood that realize all or part of step that above-described embodiment method carries It suddenly is that relevant hardware can be instructed to complete by program, the program can store in a kind of computer-readable storage medium In matter, which when being executed, includes the steps that one or a combination set of embodiment of the method.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in a processing module It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould Block both can take the form of hardware realization, can also be realized in the form of software function module.The integrated module is such as Fruit is realized and when sold or used as an independent product in the form of software function module, also can store in a computer In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not Centainly refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any One or more embodiment or examples in can be combined in any suitable manner.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned Embodiment is changed, modifies, replacement and variant.

Claims (15)

1. a kind of excess reserve allots method, which is characterized in that be applied in net connection clearance platform, join clearance platform in the net In, for target payment mechanism, multiple excess reserve accounts configured with different management levels, the multiple excess reserve account storage There is the excess reserve of the target payment mechanism, the described method comprises the following steps:
Determine the management level of each excess reserve account;
According to the management level, alloted in conjunction with excess reserve of the preset strategy to the target payment mechanism.
2. excess reserve as described in claim 1 allots method, which is characterized in that it is described according to the management level, in conjunction with pre- If strategy allots the excess reserve of the target payment mechanism, comprising:
It determines that each management level is corresponding and allots ratio value;
By the excess reserve of the target payment mechanism, according to it is each it is described it is corresponding allot ratio value, distribution is stored in each pipe In the excess reserve account for managing level.
3. excess reserve as claimed in claim 2 allots method, which is characterized in that the management level includes: data base administration Center level and database tier, data base administration center level is higher than the database tier, described by the target The excess reserve of payment mechanism, according to it is each it is described it is corresponding allot ratio value, distribution is stored in the excess reserve of each management level In account, comprising:
Ratio value is alloted based on described, determines the first ceiling of the excess reserve account of the database tier;
The excess reserve in the excess reserve account of data base administration center level is alloted to the provision of the database tier In golden account, so that the excess reserve alloted in the excess reserve account of the rear database tier reaches first ceiling.
4. excess reserve as claimed in claim 3 allots method, which is characterized in that the management level further include: centralized management Platform level, the centralized management platform level is higher than data base administration center level, described that the target is paid machine The excess reserve of structure, according to it is each it is described it is corresponding allot ratio value, distribution is stored in the excess reserve account of each management level, Further include:
Ratio value is alloted based on described, determines the second ceiling of the excess reserve account of data base administration center level;
By in the excess reserve account of data base administration center level, more than the excess reserve of second ceiling, collect Into the excess reserve account of the centralized management platform level.
5. excess reserve as claimed in claim 4 allots method, which is characterized in that further include:
When excess reserve, not up to second ceiling in the excess reserve account of data base administration center level, Excess reserve is transferred from the excess reserve account of the centralized management platform level.
6. excess reserve as described in any one in claim 1-5 allots method, which is characterized in that further include:
Receive out golden service request;
It is described go out the golden requested objective management level of service request excess reserve account in excess reserve Sorry, your ticket has not enough value when, to The excess reserve is alloted in the excess reserve account of a upper management level for the objective management level, request.
7. a kind of excess reserve allots device, which is characterized in that be applied in net connection clearance platform, join clearance platform in the net In, for target payment mechanism, multiple excess reserve accounts configured with different management levels, the multiple excess reserve account storage There is the excess reserve of the target payment mechanism, described device includes:
Determining module, for determining the management level of each excess reserve account;
Module is alloted, for being carried out in conjunction with excess reserve of the preset strategy to the target payment mechanism according to the management level It allots.
8. excess reserve as claimed in claim 7 allots device, which is characterized in that described to allot module, comprising:
It determines submodule, allots ratio value for determining that each management level is corresponding;
Submodule is alloted, for by the excess reserve of the target payment mechanism, described corresponding allots ratio value, distribution according to each It is stored in the excess reserve account of each management level.
9. excess reserve as claimed in claim 8 allots device, which is characterized in that the management level includes: data base administration Center level and database tier, data base administration center level is higher than the database tier, described to allot submodule Block is specifically used for:
Ratio value is alloted based on described, determines the first ceiling of the excess reserve account of the database tier;
The excess reserve in the excess reserve account of data base administration center level is alloted to the provision of the database tier In golden account, so that the excess reserve alloted in the excess reserve account of the rear database tier reaches first ceiling.
10. excess reserve as claimed in claim 9 allots device, which is characterized in that the management level further include: centralized management Platform level, the centralized management platform level is higher than data base administration center level, described to allot submodule, specific to use In:
Ratio value is alloted based on described, determines the second ceiling of the excess reserve account of data base administration center level;
By in the excess reserve account of data base administration center level, more than the excess reserve of second ceiling, collect Into the excess reserve account of the centralized management platform level.
11. excess reserve as claimed in claim 10 allots device, which is characterized in that it is described to allot submodule, it is specifically used for:
When excess reserve, not up to second ceiling in the excess reserve account of data base administration center level, Excess reserve is transferred from the excess reserve account of the centralized management platform level.
12. as the described in any item excess reserves of claim 7-11 allot device, which is characterized in that further include:
Receiving module, for receiving out golden service request;
It is described to allot module, for standby in the excess reserve account of the requested objective management level of the golden service request out Gold is paid when Sorry, your ticket has not enough value, the provision is alloted in the excess reserve account of a upper management level for Xiang Suoshu objective management level, request Gold.
13. a kind of non-transitorycomputer readable storage medium, is stored thereon with computer program, which is characterized in that the program It is realized when being executed by processor as excess reserve of any of claims 1-6 allots method.
14. a kind of computer program product executes one kind when the instruction in the computer program product is executed by processor Excess reserve allots method, is applied in net connection clearance platform, joins in clearance platform in the net, for target payment mechanism, match Multiple excess reserve accounts of different management levels are equipped with, the multiple excess reserve account is stored with the standby of the target payment mechanism Fu Jin, which comprises
Determine the management level of each excess reserve account;
According to the management level, alloted in conjunction with excess reserve of the preset strategy to the target payment mechanism.
15. a kind of computer equipment, including shell, processor, memory, circuit board and power circuit, wherein the circuit board It is placed in the space interior that the shell surrounds, the processor and the memory are arranged on the circuit board;The electricity Source circuit, for each circuit or the device power supply for the computer equipment;The memory is for storing executable program Code;The processor is run and the executable program by reading the executable program code stored in the memory The corresponding program of code, for executing:
Determine the management level of each excess reserve account;
According to the management level, alloted in conjunction with excess reserve of the preset strategy to the target payment mechanism.
CN201811043143.5A 2018-09-07 2018-09-07 Excess reserve allots method, apparatus and storage medium Pending CN109727117A (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN202110983640.9A CN113807944A (en) 2018-09-07 2018-09-07 Spare payment allocation method and device, electronic equipment and storage medium
CN201811043143.5A CN109727117A (en) 2018-09-07 2018-09-07 Excess reserve allots method, apparatus and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201811043143.5A CN109727117A (en) 2018-09-07 2018-09-07 Excess reserve allots method, apparatus and storage medium

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CN202110983640.9A Division CN113807944A (en) 2018-09-07 2018-09-07 Spare payment allocation method and device, electronic equipment and storage medium

Publications (1)

Publication Number Publication Date
CN109727117A true CN109727117A (en) 2019-05-07

Family

ID=66295383

Family Applications (2)

Application Number Title Priority Date Filing Date
CN201811043143.5A Pending CN109727117A (en) 2018-09-07 2018-09-07 Excess reserve allots method, apparatus and storage medium
CN202110983640.9A Pending CN113807944A (en) 2018-09-07 2018-09-07 Spare payment allocation method and device, electronic equipment and storage medium

Family Applications After (1)

Application Number Title Priority Date Filing Date
CN202110983640.9A Pending CN113807944A (en) 2018-09-07 2018-09-07 Spare payment allocation method and device, electronic equipment and storage medium

Country Status (1)

Country Link
CN (2) CN109727117A (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110288478A (en) * 2019-06-27 2019-09-27 网联清算有限公司 For the transaction data processing method and its equipment of payment mechanism
CN110458537A (en) * 2019-07-01 2019-11-15 网联清算有限公司 Golden transaction processing method and device out
CN111105146A (en) * 2019-12-02 2020-05-05 网联清算有限公司 Method, device and equipment for allocating resources to multiple accounts
WO2021013179A1 (en) * 2019-07-23 2021-01-28 网联清算有限公司 Reserve allocation method and apparatus, and computer device

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101872465A (en) * 2009-04-27 2010-10-27 美国银行公司 Be used for the improved account management rule that links financial institution's account management
CN103366306A (en) * 2013-06-28 2013-10-23 中国工商银行股份有限公司 Shared capital data processing device and use method thereof
CN103413389A (en) * 2013-05-16 2013-11-27 深圳市淘淘谷信息技术有限公司 Management and payment method for non-bank accounts based on bank accounts
WO2015102009A1 (en) * 2014-01-06 2015-07-09 Infosys Limited Systems and methods for money transfer between inter entity accounts on a liquidity management structure
CN106600276A (en) * 2015-10-20 2017-04-26 中兴通讯股份有限公司 Payment method, apparatus and system

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8245939B2 (en) * 2004-02-26 2012-08-21 Ifuel Llc Investing funds from pre-paid payment accounts
CN101221646A (en) * 2008-02-01 2008-07-16 中国建设银行股份有限公司 Group company cash management system
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
US8676708B1 (en) * 2010-10-29 2014-03-18 Aton Behavioral Finance, LLC Methods and apparatus for facilitating a financial transaction
US20140114852A1 (en) * 2012-10-18 2014-04-24 Raj S. Rajagopal Instant clearing and settlement for payment transactions
CN106779651A (en) * 2016-12-27 2017-05-31 中国建设银行股份有限公司 Cash pooling is collected sets aside method and system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101872465A (en) * 2009-04-27 2010-10-27 美国银行公司 Be used for the improved account management rule that links financial institution's account management
CN103413389A (en) * 2013-05-16 2013-11-27 深圳市淘淘谷信息技术有限公司 Management and payment method for non-bank accounts based on bank accounts
CN103366306A (en) * 2013-06-28 2013-10-23 中国工商银行股份有限公司 Shared capital data processing device and use method thereof
WO2015102009A1 (en) * 2014-01-06 2015-07-09 Infosys Limited Systems and methods for money transfer between inter entity accounts on a liquidity management structure
CN106600276A (en) * 2015-10-20 2017-04-26 中兴通讯股份有限公司 Payment method, apparatus and system

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110288478A (en) * 2019-06-27 2019-09-27 网联清算有限公司 For the transaction data processing method and its equipment of payment mechanism
CN110458537A (en) * 2019-07-01 2019-11-15 网联清算有限公司 Golden transaction processing method and device out
WO2021013179A1 (en) * 2019-07-23 2021-01-28 网联清算有限公司 Reserve allocation method and apparatus, and computer device
CN111105146A (en) * 2019-12-02 2020-05-05 网联清算有限公司 Method, device and equipment for allocating resources to multiple accounts

Also Published As

Publication number Publication date
CN113807944A (en) 2021-12-17

Similar Documents

Publication Publication Date Title
CN109727117A (en) Excess reserve allots method, apparatus and storage medium
US10657733B2 (en) Dynamically managing parking space utilization
CN109741043A (en) Fund management method, device and storage medium
US20230360542A1 (en) Systems and methods to allocate unmanned aircraft systems
JP2018128740A (en) Information processing device, information processing method, information processing program and information processing system
CN111582844A (en) Block chain based commission fee distribution method, device and storage medium
KR20120113975A (en) System and method for distributing profit
JP6163195B2 (en) Prepaid payment system, prepaid payment method, and program
CN107944690A (en) The consumption of establishment expense and settlement method, apparatus and system, terminal device
CN105556941A (en) Notification device, notification system, notification method, and program
CN106127464A (en) A kind of guest room payment management method and device
CN107493176B (en) A kind of charging method and system
CN110135785A (en) Article control method and device, storage medium, electronic equipment
CN109493075A (en) For determining the method and apparatus of virtual resource object
BR112019017372A2 (en) CORRESPONDENCE OF SERVICE REQUEST BASED ON PROVIDER'S COMPLIANCE STATUS
CN104951931A (en) System and method for electronic money transfer of fractional amounts
CN109829817A (en) Repaying planning data determines method and device
CN110428323A (en) Excess reserve allots method, apparatus and computer equipment
CN115713200A (en) Method and device for processing inventory allocation, order processing and scheduling data
CN112737796B (en) Cross-region user communication fee transfer method, device, equipment, medium and product
CN113032036B (en) Service data processing method, device, system, computer equipment and storage medium
JP2021103541A (en) Settlement system and settlement method
JP7068775B2 (en) Payment systems, payment servers, payment terminals, and payment methods
CN114493555A (en) Resource processing method, resource processing device, computer equipment and storage medium
CN109727002A (en) Fund collection method, device, storage medium and computer equipment

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication

Application publication date: 20190507

RJ01 Rejection of invention patent application after publication