CN109727122A - Fund, which is drawn, pays method, apparatus and server - Google Patents
Fund, which is drawn, pays method, apparatus and server Download PDFInfo
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- CN109727122A CN109727122A CN201910006189.8A CN201910006189A CN109727122A CN 109727122 A CN109727122 A CN 109727122A CN 201910006189 A CN201910006189 A CN 201910006189A CN 109727122 A CN109727122 A CN 109727122A
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Abstract
It is drawn the present invention provides a kind of fund and pays method, apparatus and server；Wherein, this method comprises: the fund from front end system of reception, which is drawn, pays request；Judge that fund is drawn and pays whether request is provided with specified channel；If being provided with specified channel, fund is executed according to specified channel and draws a pair request；If being not provided with specified channel, judges that fund is drawn and pay whether the corresponding Transaction Account number of request is provided with binding channel；If being provided with binding channel, fund is executed according to binding channel and draws a pair request；If being not provided with binding channel, regular execution fund stroke pair request is paid according to drawing for current preset.The present invention can draw a pair situation to the fund of each system and be managed collectively, and can satisfy to the particular/special requirement for paying channel is drawn, and improve fund stroke and pay efficiency and safety.
Description
Technical field
The present invention relates to capital management technical fields, draw more particularly, to a kind of fund and pay method, apparatus and server.
Background technique
Silver-colored quotient's fund stroke pair system is generally divided into fund management system, nonworkdays draws the system of paying and (is referred to as NWP system
System), T0 pay out preposition etc., existing fund is drawn in the mode of paying, and each draw pays a channel and require individually to establish silver with each bank
Direct connection is looked forward to, a pair situation can not be drawn to the fund of each channel or system and be managed collectively, causes fund stroke pair efficiency lower and pacifies
Full property is poor.
Summary of the invention
Method, apparatus and server are paid in view of this, drawing the purpose of the present invention is to provide a kind of fund, to each system
Fund draw pay a situation be managed collectively, improve fund draw pay efficiency and a safety.
In a first aspect, the embodiment of the invention provides a kind of funds to draw Fu Fangfa, method includes: to receive from front end system
Fund draw pay request；Judge that fund is drawn and pays whether request is provided with specified channel；If being provided with specified channel, according to specified
Channel executes fund and draws a pair request；If being not provided with specified channel, judges that fund is drawn and whether pay the corresponding Transaction Account number of request
It is provided with binding channel；If being provided with binding channel, fund is executed according to binding channel and draws a pair request；It is tied up if be not provided with
Determine channel, pays regular execution fund stroke pair request according to drawing for current preset.
It is above-mentioned to execute the step of fund stroke pays request according to specified channel, comprising: to sentence in preferred embodiments of the present invention
Severed finger determines stroke pair condition whether channel meets specified channel；Specified channel draw the condition of paying include channel state, whether be more than
The same day, which draws to pay stroke count and draw, pays the amount of money and whether in the day clear day clean period；If meet specified channel draws the condition of paying, pass through
Specified channel executes fund and draws a pair request；If be unsatisfactory for specified channel draws the condition of paying, judges that fund is drawn and pay whether request props up
Hold allotment channel payment；If supporting allotment channel payment, execution judges that fund is drawn and pays whether the corresponding Transaction Account number of request sets
The step of being equipped with binding channel；If not supporting allotment channel payment, fund is drawn to pay and requests to be retracted into front end system.
In preferred embodiments of the present invention, fund is executed above by specified channel and draws the step of paying request, comprising: is sentenced
Severed finger determines the channel type of channel；If specified channel is credit channel, fund is executed by credit channel and draws a pair request；If
Specified channel is colleague's channel, judge fund draw the number in the specified digit for paying the corresponding Transaction Account number of request whether with go together
The channel number of channel matches；Request is paid if it does, executing fund by colleague's channel and drawing；If mismatched, fund is judged
It draws and pays whether request supports allotment channel payment；If supporting allotment channel payment, it is corresponding that execution judgement fund stroke pays request
Whether Transaction Account number is provided with the step of binding channel；If not supporting allotment channel payment, fund is drawn to pay and requests to be retracted into
Front end system；If specified channel is inter-bank channel, fund is executed by preset account and draws a pair request.
In preferred embodiments of the present invention, the above method further include: request to be finished if fund draws to pay, adjust and reduce finger
Determine corresponding stroke of channel pair of packet and draw to pay in detail drawing a pair remaining sum；If fund draws to pay and requests to be retracted into front end system, adjust
Subtract corresponding stroke of specified channel and pay packet and draw and pay drawing in detail and pay a remaining sum, total draw for adjusting front end system pays stroke count and total gold
Volume limitation.
It is above-mentioned to draw the step paid regular execution fund stroke and pay request according to current preset in preferred embodiments of the present invention
Suddenly, comprising: paid in rule according to drawing for current preset, each stroke of priority screening for paying channel draws and pay channel, by screening
Channel execution fund stroke pair request is paid in drawing for arriving.
In preferred embodiments of the present invention, if drawing for above-mentioned current preset is paid in rule, each stroke is paid the excellent of channel
First grade is respectively that credit channel is greater than colleague's channel, and colleague's channel is greater than inter-bank channel；It is paid in rule according to drawing for current preset,
A pair channel is drawn in each stroke of priority screening for paying channel, draws the step paid channel and execute fund stroke pair request by what screening obtained
Suddenly, comprising: judge that fund is drawn and pay whether request shields credit channel；If shielding credit channel, pass through colleague's channel or inter-bank
Channel executes fund and draws a pair request；If not shielding credit channel, judges that fund is drawn and pay whether request meets credit channel
Draw the condition of paying；The condition of paying of drawing of credit channel includes whether fund draws the front end system number for paying request and Transaction Account number in credit canal
The blacklist in road, fund draw whether the number in the specified digit for paying the corresponding Transaction Account number of request is preset number, are preset
It draws and pays amount of money threshold value and preset stroke pair of amount of money profit and loss threshold value；If meet credit channel draws the condition of paying, pass through credit channel
Execution fund, which is drawn, pays request；If be unsatisfactory for credit channel draws the condition of paying, fund is executed by colleague's channel or inter-bank channel
It draws and pays request.
In preferred embodiments of the present invention, fund is executed above by colleague's channel or inter-bank channel and draws the step paid and requested
Suddenly, comprising: verification fund, which is drawn, pays whether a line number field for request is non-empty, and whether from preset line number list finds row
Number field；If line number field is non-empty, and find line number field from preset line number list, by colleague's channel or across
Row channel executes fund and draws a pair request；If line number field is sky, or is searched from preset line number list less than line number word
Section adjusts and reduce stroke pair packet and draws to pay in detail and drawing a pair remaining sum, adjusts always drawing for front end system and pays stroke count and total amount limitation, by
Fund draws to pay and requests to be retracted into front end system.
In preferred embodiments of the present invention, fund is executed above by colleague's channel or inter-bank channel and draws the step paid and requested
Suddenly, comprising: the channel that judges to go together whether exceed the same day draw pay total stroke count and go together draw belonging to channel pay drawing of including pay it is remaining
Volume；If colleague channel beyond the same day draw pay total stroke count or go together channel belonging to draw pay include draw pay a remaining sum, by across
Row channel executes fund and draws a pair request；If colleague's channel is paid without departing from drawing pair total stroke count and going together with drawing belonging to channel for the same day
Remaining sum is paid in drawing for packet, is executed fund stroke by colleague's channel and is paid request.
Second aspect draws the embodiment of the invention provides a kind of fund and pays device, and device includes: request receiving module, uses
It is drawn in the fund from front end system of reception and pays request；First judgment module pays whether request is provided with for judging that fund is drawn
Specified channel；First request execution module, if executing fund stroke pair for being provided with specified channel according to specified channel and asking
It asks；Second judgment module, if judging that fund is drawn for being not provided with specified channel and paying whether the corresponding Transaction Account number of request sets
It is equipped with binding channel；Second request execution module, if executing fund stroke for being provided with binding channel according to binding channel and paying
Request；Third requests execution module, if paying regular execution fund according to drawing for current preset for being not provided with binding channel
It draws and pays request.
The third aspect, the embodiment of the invention provides a kind of server, including processor and machine readable storage medium, machines
Device readable storage medium storing program for executing is stored with the machine-executable instruction that can be executed by processor, and processor executes machine-executable instruction
To realize that above-mentioned fund draws Fu Fangfa.
The embodiment of the present invention bring it is following the utility model has the advantages that
A kind of fund provided in an embodiment of the present invention, which is drawn, pays method, apparatus and server, receives from front end system
After fund draws pair request, first judges that the fund is drawn and pay whether request is provided with specified channel；If there is specifying channel, then according to finger
Determine channel and executes fund stroke pair request；If not specifying channel, further judges that fund is drawn and pay request corresponding transaction account
Number whether it is provided with binding channel；If there is binding channel, then fund is executed according to binding channel and draw a pair request；If do not tied up
Determine channel, then pays regular execution fund stroke pair request according to drawing for current preset.It by this way, can be to the fund of each system
It draws a pair situation to be managed collectively, and can satisfy to the particular/special requirement for paying channel is drawn, improve fund stroke and pay efficiency and peace
Quan Xing.
Other features and advantages of the present invention will illustrate in the following description, alternatively, Partial Feature and advantage can be with
Deduce from specification or unambiguously determine, or by implementing above-mentioned technology of the invention it can be learnt that.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, better embodiment is cited below particularly, and match
Appended attached drawing is closed, is described in detail below.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is the flow chart that a kind of fund provided in an embodiment of the present invention draws the method for paying；
Fig. 2 is that another fund provided in an embodiment of the present invention is drawn in the method for paying, and draws and pays according to specified channel execution fund
The schematic diagram of request；
Fig. 3 is that another fund stroke provided in an embodiment of the present invention is paid in method, and binding channel executes fund and draws a pair request
The schematic diagram paid regular execution fund stroke and pay request is drawn with according to current preset；
Fig. 4 is that a kind of fund provided in an embodiment of the present invention draws the structural schematic diagram for paying device.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Under every other embodiment obtained, shall fall within the protection scope of the present invention.
In view of existing fund is drawn in the mode of paying, it is each draw pay a channel require individually to establish bank with each bank it is straight
Connection can not draw a pair situation to the fund of each system and be managed collectively, and causing fund to be drawn, pair efficiency is lower and safety is poor asks
Topic, the embodiment of the present invention provide a kind of fund stroke pair method, apparatus and a server；The technology can be applied to the money of bank-corporate express
Gold, which is drawn, to be paid in scene, also can be applied in other kinds of fund stroke pair；It is right first for convenient for understanding the present embodiment
A kind of fund disclosed in the embodiment of the present invention draws the method for paying and describes in detail.
A kind of fund shown in Figure 1 draws the flow chart for the method for paying；This method comprises the following steps:
Step S102, the fund from front end system that receives are drawn to pay and be requested；
The front end system is specifically as follows fund management system, NWP system, T0 and pays out front-end system etc.；Above-mentioned fund is drawn
It pays and is generally comprised in request wait draw the amount of money paid, reciprocal account, the information such as bank belonging to reciprocal account can also be paid comprising drawing
Channel etc..
Step S104 judges that the fund is drawn and pays whether request is provided with specified channel；If being provided with specified channel, execute
Step S106；If being not provided with specified channel, step S108 is executed；
Specifically, fund, which draws to pay, can wrap the channel mark containing specified channel in request, pay request if drawn from fund
In can find the channel mark of specified channel, can confirm that the fund is drawn and pay request and be provided with specified channel；Another kind side
In formula, it can check that sending the fund draws whether the front end system paid and requested is provided with specified channel, if so, this is specified canal
Road is determined as the fund and draws pair corresponding specified channel of request.The specified channel can be credit channel, colleague channel, inter-bank canal
Road etc..
Step S106 executes fund according to specified channel and draws a pair request；Terminate.
Step S108 judges that fund is drawn and pays whether the corresponding Transaction Account number of request is provided with binding channel；If be provided with
Channel is bound, step S110 is executed；If being not provided with binding channel, step S112 is executed；
If the fund draws to pay and requests to be not provided with specified channel, further judges that the fund is drawn and pay request a corresponding friendship
Whether easy account is provided with binding channel, which can be payment accounts, or shroff account number；In practical realization
When, it can be arranged and save binding channel in advance for Transaction Account number, draw to pay when the fund and request to be not provided with specified channel
It inquires the fund and draws whether pair corresponding Transaction Account number of request is provided with binding channel.The binding channel can for credit channel,
Colleague's channel, inter-bank channel etc..
Step S110 executes fund according to binding channel and draws a pair request；Terminate.
Step S112 pays regular execution fund stroke pair request according to drawing for current preset.
It can be preset with to draw in current system and pay rule, if the fund, which draws a pair request, is not provided with specified channel, simultaneously
Fund, which draws to pay, requests corresponding Transaction Account number to be not provided with binding channel, illustrates that sending the fund draws the front end system for paying request,
Or the fund draws to pay and corresponding Transaction Account number is requested not have particular/special requirement to a pair channel is drawn, and can pay according to drawing for current system
Rule draw and is paid.
In general, above-mentioned stroke is paid and generally comprises priority that each stroke is paid channel in rule and each stroke pays channel
Meet condition；A different pair rules of drawing can be set different order of priority and meet condition.For example, one kind one can be preset
As draw pay rule, be suitable for most fund draw pay request；Then still further setting one or more packets draw and pay rule,
It is paid with the fund stroke for being suitable for generally drawing in the case where paying rule failure, or is drawn suitable for certain funds with particular/special requirement
Pay request.
A kind of fund provided in an embodiment of the present invention draws Fu Fangfa, and the fund from front end system that receives is drawn to pay and be requested
Afterwards, first judge that the fund is drawn and pay whether request is provided with specified channel；If there is specifying channel, then money is executed according to specified channel
Gold, which is drawn, pays request；It is further to judge that fund draws whether pair corresponding Transaction Account number of request is provided with if not specifying channel
Bind channel；If there is binding channel, then fund is executed according to binding channel and draw a pair request；If not binding channel, press
Regular execution fund stroke pair request is paid according to drawing for current preset.By this way, can to the fund of each system draw pay situation into
Row unified management, and can satisfy to the particular/special requirement for paying channel is drawn, it improves fund stroke and pays efficiency and safety.
By above-described embodiment description it is found that when the fund draws a pair request and is provided with specified channel, then according to specified channel
Execution fund, which is drawn, pays request, further describes in the present embodiment and executes the specific implementation side that fund stroke pays request according to specified channel
Formula specifically comprises the following steps: in conjunction with Fig. 2
Step 21, when the fund, which draws a pair request, is provided with specified channel, judge whether specified channel meets specified channel
Draw pay a condition；If meet specified channel draws the condition of paying, step 22 is executed；If being unsatisfactory for drawing for specified channel pays item
Part executes step 23；
The specified channel draw the condition of paying include channel state, whether be more than drew on the same day pay stroke count and drawing pay the amount of money and whether
In the day clear day clean period；When a stroke pair condition for specified channel includes a variety of conditions, every kind of condition can be sentenced one by one
It is disconnected；As shown in Fig. 2, can first determine whether the channel state of the specified channel is normal, if channel state is normal, then sentences
The fund of breaking, which is drawn, pays whether request is more than to draw on the same day to pay stroke count and draw to pay the amount of money；If the fund draws to pay and requests to be not above the same day
It draws to pay stroke count and draw and pays the amount of money, then judge current time again whether in the day clear day clean period, if current time is not in day
The clear day clean period, and in normal time section, then illustrate whether above-mentioned specified channel meets a stroke pair condition for specified channel.
And if it is more than to draw pair stroke count the same day and drew to pay that the channel abnormal state or the fund stroke of specified channel, which pay request,
In the day clear day clean period, then explanation is unsatisfactory for a stroke pair condition for specified channel, needs to pass through channel for the amount of money or current time
Allotment or other modes execute above-mentioned fund and draw a pair request.
Step 22, fund is executed by specified channel and draws a pair request；
The step 22 can specifically be accomplished in the following manner:
Step 220, judge the channel type of specified channel；If specified channel is credit channel, step 221 is executed；Such as
It is colleague's channel that fruit, which specifies channel, executes step 222；If specified channel is inter-bank channel, step 225 is executed；
Step 221, fund is executed by credit channel and draws a pair request；Terminate.
The credit channel, which specifically can execute fund in such a way that Unionpay draws and pays, to be drawn and pays request, can be with after being finished
It adjusts and reduce corresponding stroke of credit channel pair of packet and draws to pay in detail and drawing a pair remaining sum.
Step 222, judge fund draw the number in the specified digit for paying the corresponding Transaction Account number of request whether with canal of going together
The channel number in road matches；If it does, executing step 223；If mismatched, step 224 is executed；
By colleague's channel execute fund draw pay request when, need to prejudge the fund draw pay request whether meet it is same
The condition of row channel, i.e. fund draw the number in the specified digit for paying the corresponding Transaction Account number of request whether the canal with channel of going together
Taoist monastic name matches；For example, judge fund draw pay the corresponding Transaction Account number of request front three whether the channel number with channel of going together
It is consistent, if unanimously, illustrating that the fund draws to pay to request draw by channel of going together and paying.
Step 223, fund is executed by colleague's channel and draws a pair request；Terminate.
It is drawn by colleague's channel execution fund after paying request, corresponding stroke of channel pair of packet of colleague can be adjusted and reduced and drawn and paid
Drawing in detail pays remaining sum.
Step 224, judge that fund is drawn and pay whether request supports allotment channel payment；If supporting allotment channel payment, hold
Row judges that fund is drawn and the step of whether corresponding Transaction Account number of request is provided with binding channel is paid；If not supporting allotment channel branch
It pays, fund is drawn to pay and requests to be retracted into front end system；Terminate.
If fund draws the channel number of number and channel of going together in the specified digit for paying the corresponding Transaction Account number of request not
Matching, illustrate the fund draw pay request cannot by go together channel carry out draw pay, at this time, it may be necessary to further judge the fund draw pay
Whether request supports allotment channel payment, if supported, the fund stroke can be executed by other channels and pays request, such as the money
Gold draws the binding channel for paying the corresponding Transaction Account number of request.But if the fund, which draws to pay, requests not support allotment channel payment,
Then fund, which is drawn, pays request and is retracted into front end system, and can inform front end system currently and can not execute that the fund is drawn and pay request, with
And the reason of can not executing.
Step 225, fund is executed by preset account and draws a pair request.Terminate.
When specified channel is inter-bank channel, the money directly can be executed by specified account (such as inter-bank A account)
Gold, which is drawn, pays request.
Step 23, judge that fund is drawn and pay whether request supports allotment channel payment；If supporting allotment channel payment, execute
Step 24；If not supporting allotment channel payment, step 25 is executed；
Step 24, it executes and judges fund draws the step of whether pair corresponding Transaction Account number of request is provided with binding channel；
If above-mentioned fund stroke pays stroke pair condition that request is unsatisfactory for specified channel, need further to judge that the fund is drawn
It pays and requests whether to support allotment channel payment, if supported, can continue to judge that the judgement fund draws pair corresponding friendship of request
Whether easy account is provided with binding channel, and then executes fund stroke by binding channel and pay request, or paid by preset stroke
Rule is that a pair channel is drawn in fund stroke pair request distribution.
Step 25, fund is drawn to pay and requests to be retracted into front end system.
If the fund, which draws to pay, requests not support allotment channel payment, which is drawn to pay and requests to be retracted into front end system
The reason of uniting, and can inform front end system currently can not execute fund stroke pair request, and can not executing.In addition, also needing
It adjusts and reduce corresponding stroke of pair packet and draws to pay in detail and drawing a pair remaining sum, while adjusting always drawing for front end system and paying stroke count and a total amount
Limitation.
It can be seen from the above, corresponding binding canal can be passed through when fund stroke pair request can not be executed by specified channel
Road executes, and if specified channel and binding channel can not all execute fund and draw when paying request, it can be according to current preset
It draws to pay a regular execution fund and draw and pays request, binding channel is further described in the present embodiment execute fund and draw and pay request and according to working as
The specific implementation that regular execution fund stroke pays request is paid for first preset stroke to specifically comprise the following steps: in conjunction with Fig. 3
Step 31, when the fund, which draws a pair request, is not provided with specified channel, judge that fund is drawn and pay request a corresponding transaction
Whether account is provided with binding channel；If so, executing step 32；If not provided, executing step 35；
Step 32, judge whether the state of the binding channel is normal；If normal, step 33 is executed；If abnormal, execute
Step 34；
Step 33, judge that the fund is drawn and pay the total stroke count of channel and limit that whether request meets the binding channel, if full
Foot then executes the fund and draws a pair request, and the total stroke count of channel and limit for adjusting and reducing the binding channel；If conditions are not met, then can be with
Regular execution fund stroke pair request is paid according to drawing for current preset.Terminate.
Step 34, corresponding stroke pay packet with detail account according to the fund draw pay request in draw pay the amount of money adjust and reduce can draw pay
Remaining sum, total draw for adjusting front end system pays stroke count and total amount limitation, and pays request fund stroke and be retracted into front end system.Knot
Beam.
Step 35, it is paid in rule according to drawing for current preset, each stroke of priority screening for paying channel draws and pay channel, passes through
It screens an obtained pair channel execution fund stroke of drawing and pays request.
Before stroke pair regular execution fund stroke pair according to current preset is requested, usually also need different in shielding harness
Normal channel, or the channel within the daily reconciliation period, and then the excellent of each channel of rule is being paid according to drawing for current preset
First grade screens channel, request is paid in general, preferentially executing fund by the higher channel of priority and drawing, if the channel of high priority
It can not execute, then fund be executed by the lower channel of priority again and draw a pair request.
If drawing for current preset is paid in rule, each stroke of priority for paying channel is respectively that credit channel is greater than colleague's canal
Road, colleague's channel are greater than inter-bank channel；Then above-mentioned steps 35 can specifically be accomplished in the following manner:
Step 351, judge that fund is drawn and pay whether request shields credit channel；If not shielding credit channel, step is executed
Rapid 352；If shielding credit channel, step 354 is executed；
Since each stroke is paid in channel, the highest priority of credit channel then first determines whether that the fund is drawn and whether pays request
It can be executed by credit channel；In general, first determining whether that the fund is drawn pays whether request shields credit channel, if shielded,
It then needs to execute the fund using other channels (such as colleague's channel or inter-bank channel) to draw and pays request；If do not shielded, need
Further confirm that fund draws stroke pair condition whether request meets credit channel of paying
Step 352, judge that fund draws stroke pair condition whether request meets credit channel of paying；If meeting credit channel
The condition of paying is drawn, step 353 is executed；If be unsatisfactory for credit channel draws the condition of paying, step 354 is executed；
The condition of paying of drawing of the credit channel includes whether fund draws the front end system number for paying request and Transaction Account number in credit
The blacklist of channel, fund draw whether the number in the specified digit for paying the corresponding Transaction Account number of request is preset number, are default
Draw and pay amount of money threshold value and preset stroke and pay amount of money profit and loss threshold value；It, can when a stroke pair condition for credit channel includes a variety of conditions
To judge one by one every kind of condition；As shown in figure 3, can first determine whether that fund draws the front end system number for paying request and transaction
Account whether credit channel blacklist, if not in blacklist, can continue judgement fund draw pay request it is corresponding
Whether the number in the specified digit of Transaction Account number is preset number, for example, whether the front two of the Transaction Account number is " 62 ", such as
Fruit is then to continue to judge that fund stroke pays drawing for request and pays whether the amount of money meets preset stroke pair of amount of money threshold value, and such as this stroke pays the amount of money
Threshold value is lower than 10,000,000；If it is satisfied, then continuing to judge that fund draws whether a pair request meets preset stroke pair of amount of money profit and loss threshold
Value；Specifically, it can be drawn according to fund according to the rule for the service charge and agreement deposit that front end system configures and pay drawing in request
It pays the amount of money and calculates the profit and loss point that this stroke pays the amount of money, if the profit and loss point, which meets above-mentioned stroke, pays amount of money profit and loss threshold value, which is drawn
Paying request can be paid by the execution stroke of credit channel.
If the fund, which is drawn, pays one that request is unsatisfactory in above-mentioned multiple conditions, as fund draws a pair front end system for request
Number and Transaction Account number in the blacklist of credit channel, fund draw the number in the specified digit for paying the corresponding Transaction Account number of request
It is not preset number, fund stroke pays stroke pair not preset stroke of the amount of money pair of amount of money threshold value of request or fund draws to pay and requests to be discontented with
Preset stroke of foot is paid amount of money profit and loss threshold value, then can execute fund stroke by colleague's channel or inter-bank channel and pay request.
Step 353, fund is executed by credit channel and draws a pair request；
The fund draw pay request be finished by credit channel after, can by the credit channel draw pay packet and a detail account
Number according to the fund draw pay request in draw pay the amount of money adjust and reduce can draw pay a remaining sum.
Step 354, fund is executed by colleague's channel or inter-bank channel and draws a pair request.
Further, which can specifically be accomplished in the following manner:
Step 3541, whether verification fund, which is drawn, pays whether a line number field for request is non-empty, and from preset line number list
In find line number field；If line number field is non-empty and finds line number field from preset line number list, step is executed
Rapid 3542；If line number field is empty or searches from preset line number list less than line number field, step 3543；
Step 3542, fund is executed by colleague's channel or inter-bank channel and draws a pair request；
During executing step 3542, preferential selection colleague channel；It is corresponding specifically pair request can be drawn according to fund
The front three of Transaction Account number determines that the Transaction Account number belongs to the account of which bank, and such as 102 be industrial and commercial bank, and 103 be agricultural silver
Row, 104 be Bank of China etc.；If the account of all banks prestored in the front three and system of Transaction Account number mismatches,
Then explanation can not identify to provide funds to draw in system pays which bank the corresponding Transaction Account number of request belongs to, and can pass through inter-bank at this time
Channel executes fund and draws a pair request.
After being determined that the corresponding Transaction Account number of fund stroke pair request belongs to the account of which bank, and then affiliated silver is judged again
Whether capable colleague's channel exceeds drawing to pay total stroke count and go together with drawing belonging to channel and paying drawing of including and pay a remaining sum for the same day；If same
Row channel beyond the same day draw pay total stroke count or go together channel belonging to draw pay include draw pay a remaining sum, executed by inter-bank channel
Fund, which is drawn, pays request；If colleague channel without departing from the same day draw pay total stroke count and go together belonging to channel draw pay packet draw pay
Remaining sum executes fund by colleague's channel and draws a pair request.
For example, if same bank tool there are two payment account, can be drawn according to fund pay request draw that pay the amount of money true
Surely which payment account is used, is equal to or higher than preset stroke pair of threshold value if drawing and paying the amount of money, A account is used to pay a bill as branch
Family pays threshold value lower than preset stroke if drawing and paying the amount of money, uses B account as payment account；If a certain payment account is
It pays total stroke count through drawing beyond the same day and draws and pay total amount, then no matter draw and how much pay the amount of money, can be paid a bill by another branch
Family executes to draw and pay.It draws after paying successfully, adjusts and reduce stroke pair packet and draw to pay in detail and drawing a pair remaining sum.
It pays total stroke count if two payment accounts have exceeded drawing for the same day and draws a pair total amount, fund is drawn to pay and is asked
It asks and is retracted into front end system, adjust and reduce to draw to pay packet and draw drawing in pair detail and pay remaining sum, total draw for adjusting front end system pays stroke count
It is limited with total amount.
It should be noted that stroke pair total stroke count on the above-mentioned same day and a stroke pair total amount can be by staff according to payment
The transaction stroke count dynamic configuration of account draws and pays total stroke count and draw a pair total amount and can daily or weekly be counted, for example, such as day
Drawing the day of a certain payment account of fruit and paying total stroke count is more than 70,000/day, then adjusts the limit value of the payment account, i.e., the above-mentioned same day
Draw pay a total stroke count；It is lower than 70,000/day if drawing the day of a certain payment account and paying total stroke count, adjusts and reduce the limit of the payment account
Volume value；The requirement that total stroke count is 70,000 is paid to meet to draw day in the payment account each period in season.
Step 3543, it adjusts and reduce to draw to pay packet and draw drawing in pair detail and pays remaining sum, total draw for adjusting front end system pays stroke count
It is limited with total amount, fund is drawn to pay and requests to be retracted into front end system.
In addition, if front end system selects some rule of classification, general rule (rule is paid in drawing for i.e. above-mentioned current preset)
Failure, is handled according to selected rule of classification.The each stroke of priority for paying channel is again provided in the rule of classification,
And each stroke pay channel and meet condition；Regular judgement is carried out first, in accordance with the high channel of priority, meets channel rule
Draw pay deals match rule after enter payment funding link, the transaction of failed matching rule according to priority orders successively
The channel of next priority is selected to carry out regular judgement.The matching rule that fails draws Fu Jilu, before such transaction is retracted
End system, while adjusting and reducing this stroke and paying drawing to pay remaining sum and affiliated stroke and pay drawing for packet and paying a remaining sum for detail, adjust corresponding front end system
The limitation stroke count and the limitation amount of money of system.
Above-mentioned fund provided in an embodiment of the present invention draws Fu Fangfa, establishes a set of fund and draws the method for routing for paying strategy,
Up-stream system can be supported to the particular requirement for paying channel is drawn, the personalization of Transaction Account number is supported to draw the particular requirement for paying channel,
And take into account general rule and rule of classification.Aforesaid way can pay business for all strokes and provide unified outlet, pay industry for each stroke
Business provides unified draw and pays the services such as business processing, unified reconciliation simultaneously, realizes fund and draws the intelligence for paying strategy, can be improved
Fund draws the efficiency and safety paid, so that a fund stroke pair high efficiency, efficiency are fast and highly-safe.
Corresponding to above method embodiment, a kind of fund shown in Figure 4 draws the structural schematic diagram for paying device, the device
Include:
Request receiving module 40 draws a pair request for receiving the fund from front end system；
First judgment module 41 pays whether request is provided with specified channel for judging that fund is drawn；
First request execution module 42, if executing fund stroke pair for being provided with specified channel according to specified channel and asking
It asks；
Second judgment module 43, if judging that fund is drawn for being not provided with specified channel and paying request corresponding transaction account
Number whether it is provided with binding channel；
Second request execution module 44, if executing fund stroke pair for being provided with binding channel according to binding channel and asking
It asks；
Third requests execution module 45, if held for being not provided with binding channel according to a pair rule of drawing for current preset
Row fund, which is drawn, pays request.
Above-mentioned fund, which is drawn, pays device, after the fund from front end system that receives draws pair request, first judges that the fund is drawn and pays
Whether request is provided with specified channel；If there is specifying channel, then fund is executed according to specified channel and draw a pair request；If no
Specified channel, then it is further to judge that fund draws whether pair corresponding Transaction Account number of request is provided with binding channel；If there is binding
Channel then executes fund according to binding channel and draws a pair request；If not binding channel, rule is paid according to drawing for current preset
Execution fund, which is drawn, pays request.By this way, a pair situation can be drawn to the fund of each system to be managed collectively, and can expire
Foot pays drawing the particular/special requirement of channel, improves fund and draws pair efficiency and a safety.
The embodiment of the present invention also provides a kind of server, including processor and machine readable storage medium, machine readable to deposit
Storage media is stored with the machine-executable instruction that can be executed by processor, processor execute machine-executable instruction to realize on
It states fund and draws Fu Fangfa.
Server provided in an embodiment of the present invention is drawn with fund provided by the above embodiment and pays method technology having the same
Feature reaches identical technical effect so also can solve identical technical problem.
Fund provided by the embodiment of the present invention draws the computer program product for paying method, apparatus and server, including deposits
The computer readable storage medium of program code is stored up, the instruction that said program code includes can be used for executing previous methods implementation
Method described in example, specific implementation can be found in embodiment of the method, and details are not described herein.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), arbitrary access are deposited
The various media that can store program code such as reservoir (RAM, Random Access Memory), magnetic or disk.
Finally, it should be noted that embodiment described above, only a specific embodiment of the invention, to illustrate the present invention
Technical solution, rather than its limitations, scope of protection of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, those skilled in the art should understand that: anyone skilled in the art
In the technical scope disclosed by the present invention, it can still modify to technical solution documented by previous embodiment or can be light
It is readily conceivable that variation or equivalent replacement of some of the technical features；And these modifications, variation or replacement, do not make
The essence of corresponding technical solution is detached from the spirit and scope of technical solution of the embodiment of the present invention, should all cover in protection of the invention
Within the scope of.Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. a kind of fund draws Fu Fangfa, which is characterized in that the described method includes:
The fund from front end system of reception, which is drawn, pays request；
Judge that the fund is drawn and pays whether request is provided with specified channel；
If being provided with specified channel, the fund is executed according to the specified channel and draws a pair request；
If being not provided with specified channel, judges that the fund is drawn and pay whether the corresponding Transaction Account number of request is provided with binding canal
Road；
If being provided with binding channel, the fund is executed according to the binding channel and draws a pair request；
If being not provided with binding channel, the fund stroke pair is executed according to a stroke pair rule for current preset and is requested.
2. paying request the method according to claim 1, wherein executing the fund according to the specified channel and drawing
The step of, comprising:
Judge whether the specified channel meets a stroke pair condition for the specified channel；The specified channel draw pay a condition include
Whether channel state is more than to draw on the same day to pay stroke count and draw to pay the amount of money and whether in the day clear day clean period；
If meeting a stroke pair condition for the specified channel, passes through the specified channel execution fund stroke pair and request；
If be unsatisfactory for the specified channel draws the condition of paying, judges that the fund is drawn and pay whether request supports allotment channel branch
It pays；
If supporting allotment channel payment, execution judges that the fund is drawn and pays whether the corresponding Transaction Account number of request is provided with binding
The step of channel；
If not supporting allotment channel payment, the fund is drawn to pay and requests to be retracted into the front end system.
3. according to the method described in claim 2, paying request it is characterized in that, executing the fund by the specified channel and drawing
The step of, comprising:
Judge the channel type of the specified channel；
If the specified channel is credit channel, fund is executed by the credit channel and draws a pair request；
If the specified channel is colleague's channel, judge that the fund is drawn in the specified digit for paying the corresponding Transaction Account number of request
Number whether match with the channel number of the channel of going together；
Request is paid if it does, executing fund by colleague's channel and drawing；
If mismatched, judges that the fund is drawn and pay whether request supports allotment channel payment；If supporting allotment channel payment,
Execution judges that the fund is drawn and the step of whether corresponding Transaction Account number of request is provided with binding channel is paid；If not supporting to deploy
The fund is drawn to pay and requests to be retracted into the front end system by channel payment；
If the specified channel is inter-bank channel, the fund is executed by preset account and draws a pair request.
4. according to the method in claim 2 or 3, which is characterized in that the method also includes:
If the fund draw pay request be finished, adjust and reduce corresponding stroke of the specified channel pay packet and draw pay detail in can
It draws and pays remaining sum；
It requests to be retracted into the front end system if the fund draws to pay, adjusts and reduce corresponding stroke of the specified channel pair of packet and draw and pay
Drawing in detail pays remaining sum, and total draw for adjusting the front end system pays stroke count and total amount limitation.
5. the method according to claim 1, wherein paying rule execution the fund stroke according to drawing for current preset
The step of paying request, comprising:
It is paid in regular according to drawing for current preset, each stroke of priority screening for paying channel draws and pay channel, is obtained by screening
It draws and pays channel execution the fund stroke pair request.
6. according to the method described in claim 5, it is characterized in that, each stroke is paid canal if drawing for current preset is paid in rule
The priority in road is respectively that credit channel is greater than colleague's channel, and colleague's channel is greater than inter-bank channel；
It is paid in regular according to drawing for current preset, each stroke of priority screening for paying channel draws and pay channel, is obtained by screening
It draws and pays the step of channel executes the fund stroke pair request, comprising:
Judge that the fund is drawn and pays whether request shields credit channel；
If shielding credit channel, the fund is executed by colleague's channel or inter-bank channel and draws a pair request；
If not shielding credit channel, judge that the fund draws stroke pair condition whether request meets the credit channel of paying；
The condition of paying of drawing of the credit channel includes whether the fund draws the front end system number for paying request and Transaction Account number in the loan
Whether the number for remembering that the blacklist of channel, the fund are drawn in the specified digit for paying the corresponding Transaction Account number of request is present count
Word, preset stroke pair of amount of money threshold value and preset stroke pay amount of money profit and loss threshold value；
If meeting a stroke pair condition for the credit channel, passes through the credit channel execution fund stroke pair and request；
If being unsatisfactory for a stroke pair condition for the credit channel, the fund stroke pair is executed by colleague's channel or inter-bank channel and is asked
It asks.
7. according to the method described in claim 6, being drawn it is characterized in that, executing the fund by colleague's channel or inter-bank channel
The step of paying request, comprising:
It verifies the fund and draws and pay whether a line number field for request is non-empty, and whether from preset line number list find institute
State line number field；
If the line number field is non-empty, and finds the line number field from preset line number list, pass through canal of going together
Road or inter-bank channel execute the fund and draw a pair request；
If the line number field is sky, or is searched from preset line number list less than the line number field, adjusts and reduce to draw and pay
It wraps and draws to pay in detail and drawing a pair remaining sum, total stroke for adjusting the front end system pays stroke count and total amount limitation, by the money
Gold is drawn to pay and requests to be retracted into the front end system.
8. method according to claim 6 or 7, which is characterized in that execute the money by colleague's channel or inter-bank channel
Gold draws the step of paying request, comprising:
The channel that judges to go together whether exceed the same day draw pay total stroke count and it is described go together draw belonging to channel pay drawing of including pay it is remaining
Volume；
If colleague's channel beyond the same day draw pay drawn belonging to total stroke count or colleague's channel pay drawing of including pay it is remaining
Volume executes the fund by inter-bank channel and draws a pair request；
If it is described colleague channel without departing from the same day draw pay total stroke count and it is described go together belonging to channel draw pay packet draw pay
Remaining sum executes the fund by colleague's channel and draws a pair request.
9. a kind of fund, which is drawn, pays a device, which is characterized in that described device includes:
Request receiving module draws a pair request for receiving the fund from front end system；
First judgment module pays whether request is provided with specified channel for judging that the fund is drawn；
First request execution module, if executing the fund stroke for being provided with specified channel according to the specified channel and paying
Request；
Second judgment module, if judging that the fund is drawn for being not provided with specified channel and paying request corresponding Transaction Account number
Whether binding channel is provided with；
Second request execution module, if executing the fund stroke for being provided with binding channel according to the binding channel and paying
Request；
Third requests execution module, if paid described in rule execution for being not provided with binding channel according to drawing for current preset
Fund, which is drawn, pays request.
10. a kind of server, which is characterized in that including processor and machine readable storage medium, the machine readable storage is situated between
Matter is stored with the machine-executable instruction that can be executed by the processor, and the processor executes the machine-executable instruction
To realize the described in any item methods of claim 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910006189.8A CN109727122A (en) | 2019-01-03 | 2019-01-03 | Fund, which is drawn, pays method, apparatus and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910006189.8A CN109727122A (en) | 2019-01-03 | 2019-01-03 | Fund, which is drawn, pays method, apparatus and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109727122A true CN109727122A (en) | 2019-05-07 |
Family
ID=66298049
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910006189.8A Pending CN109727122A (en) | 2019-01-03 | 2019-01-03 | Fund, which is drawn, pays method, apparatus and server |
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| Country | Link |
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| CN (1) | CN109727122A (en) |
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| CN107122967A (en) * | 2017-04-14 | 2017-09-01 | 浙江数链科技有限公司 | The distribution method and device of a kind of channel of disbursement |
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