CN110033361A - A kind of method and apparatus that resource is produced based on virtual set of books - Google Patents
A kind of method and apparatus that resource is produced based on virtual set of books Download PDFInfo
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- CN110033361A CN110033361A CN201910234787.0A CN201910234787A CN110033361A CN 110033361 A CN110033361 A CN 110033361A CN 201910234787 A CN201910234787 A CN 201910234787A CN 110033361 A CN110033361 A CN 110033361A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
This specification embodiment provides a kind of method and apparatus for producing resource based on virtual set of books, the method executes in resource management side's server, the virtual set of books includes first part and second part, the first part includes at least one first virtual account corresponding with the first platform and clearing virtual account, the second part includes the second virtual account corresponding with the first user in the first platform, the described method includes: receiving the request for producing the resource of specified quantum from second virtual account to specified resource account from the client of first user, wherein, the specified quantum is less than or equal to the current share of second virtual account；Determine whether the share in the clearing virtual account is more than or equal to the specified quantum；And in the case where the share settled accounts in virtual account is more than or equal to the specified quantum, the resource of the specified quantum is produced from least one described resource account to the specified resource account.
Description
Technical field
This specification embodiment is related to internet area, produces money based on virtual share set of books more particularly, to one kind
The method and apparatus in source.
Background technique
" S2B2C " generally refers to the supply and marketing integration marketing model of supplier, retail trader and purchaser three's seamless combination,
Particularly refer to supplier in platform to trade company to client herein.Under S2B2C mode, there are commercial podiums, the end B quotient
Family, client's various rolls, commercial podium cannot have two clear problems under regulatory requirements, therefore the financial need of commercial podium exists
The clearing to trade company are carried out in banking system, it is therefore desirable to have a set of mother and sons' account body that can carry commercial podium and trade company
System.Wherein, female account is that bank corresponds to family inside the bank of platform, is account in table, is included in the balance sheet of bank, son
Account is for registering the virtual account of each trade company's share in bank, for the off-balancesheet ledger for being not counted in balance sheet.It is described
Sub- account is all one-sided virtual account, according to accounting request off-balancesheet account and imbalance (debt-credit balances), there is son when unilateral reduce
The case where account is overdrawed.A height account needs to correspond to multiple female accounts under complicated business scene, and when group account goes out gold
Multiple female accounts can be associated with to link out gold, in this case, there is also risks of overdrawing for female account, therefore in traditional mother and sons' account body
It actually goes to bank under system in the presence of risk of providing loans.
Therefore, it is necessary to a kind of schemes for more effectively producing resource.
Summary of the invention
This specification embodiment is intended to provide a kind of scheme that resource is more effectively produced based on virtual share set of books, with solution
Deficiency certainly in the prior art.
To achieve the above object, this specification provides a kind of method for producing resource based on virtual set of books, institute on one side
Method to be stated to execute in resource management side's server, the virtual set of books includes first part and second part, and described first
Point include at least one first virtual account corresponding with the first platform and clearing virtual account, it is described at least one first virtually
The share of account corresponds respectively to the respective share of at least one resource account of the resource management side, at least one described money
Source account is used to record the first platform trustship respectively at least a resource of the resource management side, and the clearing are virtual
The share of account be at least one first virtual account share and in settle accounts share, the second part include with
The share of corresponding second virtual account of the first user in first platform, second virtual account corresponds to described at least one
The share of the resource to first user should be settled accounts in part resource, which comprises
It is received from the client of first user and produces specified part from second virtual account to specified resource account
The request of the resource of volume, wherein the specified quantum is less than or equal to the current share of second virtual account；
Determine whether the share in the clearing virtual account is more than or equal to the specified quantum；And
It is described clearing virtual account in share be more than or equal to the specified quantum in the case where, from it is described at least one
Resource account produces the resource of the specified quantum to the specified resource account.
In one embodiment, the method also includes from least one described resource account to the specified resource
After account produces the resource of the specified quantum, by one or more accounts at least one described first virtual account
Share is correspondingly reduced, so that the share of the clearing virtual account reduces the specified quantum, and virtual by described second
The share of account reduces the specified quantum.
In one embodiment, first user is the first B end subscriber of first platform.
In one embodiment, first user is first platform itself.
In one embodiment, at least a resource is transferred to mode at least one resource and respectively corresponds.
In one embodiment, it is following one kind: the same day to account mode and the non-same day to account side that the resource, which is transferred to mode,
Formula.
In one embodiment, the share of second virtual account is based on following two determinations: the first B end subscriber
The sum of the resource share that has been transferred to at least one described resource account of whole clients and the first B end subscriber from institute
State the resource share that the second virtual account has produced.
In one embodiment, the first part further includes pending accounts virtual account, the share of the pending accounts virtual account
Share can not be settled accounts in for the share of at least one first virtual account.
In one embodiment, the resource management side is institutions managing funds or payment mechanism.
In one embodiment, the virtual set of books is the off-balancesheet set of books of first platform.
On the other hand this specification provides a kind of device that resource is produced based on virtual set of books, described device is deployed in resource
In manager's server, the virtual set of books includes first part and second part, and the first part includes and the first platform
At least one corresponding first virtual account and clearing virtual account, the share of at least one first virtual account are right respectively
The respective share of at least one resource account of resource management side described in Ying Yu, at least one described resource account for remembering respectively
The first platform trustship is recorded at least a resource of the resource management side, the share of the clearing virtual account is described
The share of at least one the first virtual account settles accounts share in, and the second part includes and first in the first platform
Corresponding second virtual account of user, the share of second virtual account correspond at least a resource should settle accounts to
The share of the resource of first user, described device include:
Receiving unit is configured to, and is received from the client of first user from second virtual account to specified money
Source account produces the request of the resource of specified quantum, wherein the specified quantum is less than or equal to working as second virtual account
Preceding share；
Determination unit is configured to, and determines whether the share in the clearing virtual account is more than or equal to the specified quantum；
And
Unit is produced, is configured to, the case where the share settled accounts in virtual account is more than or equal to the specified quantum
In, the resource of the specified quantum is produced from least one described resource account to the specified resource account.
In one embodiment, described device further includes, and share reduces unit, is configured to, from least one described money
It, will at least one described first virtual account after source account produces the resource of the specified quantum to the specified resource account
In the shares of one or more accounts correspondingly reduce so that the share of the clearing virtual account reduces described specified part
Volume, and the share of second virtual account is reduced into the specified quantum.
On the other hand this specification provides a kind of computer readable storage medium, be stored thereon with computer program, work as institute
When stating computer program and executing in a computer, computer is enabled to execute any of the above-described method.
On the other hand this specification provides a kind of calculating equipment, including memory and processor, which is characterized in that described to deposit
It is stored with executable code in reservoir, when the processor executes the executable code, realizes any of the above-described method.
In the scheme according to this specification embodiment, set of books has been opened up in off-balancesheet account, has included two type of assets and liabilities
The account of type, and in the case where multiple female accounts, clearing virtual account is added at off-balancesheet set of books assets end, to pass through account
The risk that the linkage book keeping operation of set avoids female account overdraft on banks from providing loans.
Detailed description of the invention
This specification embodiment is described in conjunction with the accompanying drawings, and this specification embodiment can be made clearer:
Fig. 1 shows the schematic diagram of the resource transfers system 100 based on off-balancesheet set of books according to this specification embodiment；
Fig. 2 shows off-balancesheet set of books schematic diagrames in the table according to this specification embodiment；
Fig. 3 shows a kind of method for producing resource based on virtual set of books according to this specification embodiment；
Fig. 4 shows a kind of device 400 that resource is produced based on virtual set of books according to this specification embodiment.
Specific embodiment
This specification embodiment is described below in conjunction with attached drawing.
Fig. 1 shows the schematic diagram of the resource transfers system 100 based on off-balancesheet set of books according to this specification embodiment.Such as figure
Shown in 1, system 100 includes server 11, client 12, resource pool 13 and set of books data module 14.The server 11 is money
The server of the institutions managing funds such as the server of source control side, such as banking institution, payment mechanism.Resource pool 13 is flat for business
Platform trustship the resource management side resource collection, for example, being fund, the feelings that the resource management side is bank in the resource
In condition, the resource pool 13 corresponds at least one internal family for being used to record platform trustship fund of bank.Client 12 is
The user client that resource management side provides.The business platform is, for example, commercial podium, as S2B2C multimodal platform, shopping are flat
Platform, checkout platform etc., including the multiple end B trade companies, each end B trade company includes its multiple client again, and the client can be C
Client is held, or can be solid shop/brick and mortar store client etc..In order to avoid two clear problems, when the client of the end B trade company is propped up by platform
Fu Shi, the fund of the payment are not transferred to platform account, but are transferred to family inside bank, and are carried out by bank and the end the B trade company
Clearing.
The set of books data module 14 be used for record between resource management side and business platform resource clearing share and
Resource between business platform and its user settles accounts share.In the case where the resource is fund, set of books data module 14
It such as include set of books and off-balancesheet set of books in table, wherein include bank in set of books in table for the above-mentioned inside at least one of platform
Family (it can be considered female account corresponding to platform assets), including the sub- account of the end the B trade company in off-balancesheet set of books.It can manage
Solution, in this specification embodiment, the resource management side is not limited to bank or payment mechanism, and the resource is also not necessarily limited to as money
Gold, for example, the resource can be ideal money, Internet resources etc., the resource management side is the management organization of respective resources.
The set of books data module 14 can be independent Database Systems, or can be the data storage in server
Module.When sub- account of the client of the end B trade company based on the end B trade company pays the end B trade company, this, which disburses funds, is eventually arrived at
In bank's resource pool 13, while in server 11, by the incidence relation of sub- account and female account, set of books data module is updated
Corresponding set of books data in 14, wherein the sub- account amount of money of the end B trade company will increase ratio (such as 90%) gold of the payment amount
Volume.When the end B trade company will extract the designated amounts in its sub- account by its client 12, server 11 is based on set of books data
Data in module determine whether can extract, and in the case where can extract, by the designated amounts in above-mentioned female account
Fund produces in destiny account (such as bank account of the end B trade company), and after producing, updates the set of books data.
In the commercial podium of such as S2B2C, in order to avoid mother and sons' account in the prior art there are the problem of, in basis
In the scheme of this specification embodiment, by constructing the set of books system of off-balancesheet, debt-credit balance is also realized in off the statement account, to keep away
Exempt from account overdraw, the risk that bank provides loans.
It is detailed below according to off-balancesheet set of books in the table of this specification embodiment.
Fig. 2 shows off-balancesheet set of books schematic diagrames in the table according to this specification embodiment.As described above, in the resource pipe
In the case where reason side is, for example, bank or payment mechanism etc., the resource is fund, hereinafter will be using fund as resource
Example is illustrated.
As shown in Fig. 2, set of books includes the assets class account of such as bank in table: loans and deposits account, wait clear account, and
The debt class account of bank: platform account receives list to settlement accounts and transfers accounts to settlement accounts.Wherein, loans and deposits account is corresponding
Any client's of any end B trade company in a fund pool of bank, the first platform is transferred to the amount of money and will all be transferred to the fund
Chi Zhong, and recorded in loans and deposits account, it will be by him by the receipts Dan Zhifu of any client wait record in clearing account
Row channel is transferred to but the unliquidated amount of money, is somebody's turn to do the amount of money to be cleared account and is transferred to after the fund pool, i.e., from wait clear account
Carry over loans and deposits account to.Platform account dominates account for platform, corresponds to the one's own reserves of platform, receives single wait settle accounts
Account and to transfer accounts to settlement accounts be family inside bank, is not dominated by platform, correspond to bank will settle accounts to each trade company and
The fund of platform.The whole clients for transferring accounts the whole end the B trade companies for corresponding to the first platform to the amount of money of settlement accounts are working as
The amount of money of the preceding fund for being transferred to by way of bank transfer to the fund pool and not settled accounts away, the side of the bank transfer
Formula is usually to arrive account on the same day.The all visitors for receiving single amount of money to settlement accounts and corresponding to the whole end B trade companies of the first platform
Family currently by swiping the card, the modes such as network payment pay and be transferred to the fund pool and the fund do not settled accounts away
The amount of money, the payments such as swipe the card correspond to the receipts list business of bank, usually the next day to account.It is flat to generally require debt-credit for set of books in table
Weighing apparatus, that is to say, that when the client of the end B trade company is paid based on the sub- account of the end B trade company, disburse funds and be transferred into bank's money
Jin Chi, bank loan-deposit account amount of money increase, and bank portfolio increases, meanwhile, bank's debt to be settled accounts also correspondingly increases, i.e.,
List is received to settlement accounts and/or the amount of money increase transferred accounts to settlement accounts.
Bank's debt to be settled accounts can be considered the assets of the first platform, therefore, as shown in Fig. 2, in off-balancesheet set of books, from
The visual angle of one platform constructs its asset account and Liability account, which is simultaneously not counted in balance sheet, and wherein account is all
For virtual account, it is served only for registration share, without actual bearer fund.Wherein, include: in the assets class account of off-balancesheet set of books
Platform one's own reserves account, receipts single head cun account, position of transferring accounts account, clearing virtual account, pending accounts virtual account etc..Wherein,
Platform one's own reserves account amount of money corresponds to the amount of money of platform account in set of books in table, receives single head cun account and corresponds to set of books in table
Middle to receive single amount of money to settlement accounts, position of transferring accounts account corresponds to the amount of money transferred accounts in set of books to settlement accounts in table.Clearing
The amount of money of virtual account be in the sum of amount of money for receiving single head cun account and position account of transferring accounts can settlement amounts.That is,
The amount of money of clearing virtual account be in table in set of books inside bank the amount of money of family (female account) and in can settlement amounts, correspond to
It can be used for the fund settled accounts to trade company or platform.The amount of money of pending accounts virtual account is that family is (female inside bank in set of books in table
Account) the amount of money and in can not settlement amounts, for example, the first platform client payment when lose trade company's relevant information
In the case where (the sub- account of such as trade company), this is transferred to the amount of money and is included in pending accounts virtual account, to be not counted in clearing virtual account
In.
It for example may include the sub- account of each trade company in the first platform, such as the first trade company in the Liability account of off-balancesheet set of books
Sub- account can be settled accounts.Wherein, the first trade company can settle accounts the amount of money in sub- account can by the first trade company log in bank client and
It produces, such as the fund of designated amounts produces to the real bank account to the first trade company is medium, which is known as golden process.
When sub- bill payment fund of any client of the first trade company based on the first trade company, which is known as into golden process, in the feelings
In condition, the amount of money that the first trade company can settle accounts sub- account is increased to the amount of money of the predetermined ratio to disburse funds (such as 90%), from
And the first trade company can settle accounts sub- account request by the first trade company and produce the amount of money fund.When any client of the first trade company is logical
It crosses and swipes the card, when the modes such as network payment disburse funds, it is single to settlement accounts to be counted into receipts after the fund to account, when the first trade company
When any client disburses funds in such a way that bank transfer is remitted money, it is counted into and is transferred accounts to settlement accounts, together after the fund to account
When, receipts single head cun account, position of transferring accounts account and the respective amount of money of settlement accounts in off-balancesheet set of books also correspondingly increase.
It can also include that the sub- account of pending accounts and platform can settle accounts sub- account in the Liability account of the off-balancesheet set of books, it is described to put down
The sub- account of platform pending accounts is corresponding with above-mentioned platform pending accounts account, loses the transaction of merchant information for recording and answers settlement amounts.
The platform can settle accounts trade company's commission that sub- account should for example be obtained corresponding to platform, in this case, when trade company client to
When fund pool is transferred to the fund of certain amount of money, can settle accounts the increased amount of money in sub- account in trade company is that certain amount of money subtracts centainly
The remaining amount of money of ratio commission, while platform can settle accounts the amount of money of sub- account to increase the commission proportional to certain amount of money golden
Volume.
It is described more fully below and carries out out gold by mother and sons' set of books data shown in Fig. 2 to avoid that may go out in the prior art
Existing bank provides loans risk.
Fig. 3 shows a kind of method for producing resource based on virtual set of books according to this specification embodiment, and the method exists
Executed in resource management side's server, the virtual set of books includes first part and second part, the first part include with
At least one corresponding first virtual account of first platform and clearing virtual account, part of at least one first virtual account
Volume corresponds respectively to the respective share of at least one resource account of the resource management side, at least one described resource account is used
In recording the first platform trustship respectively at least a resource of the resource management side, part of the clearing virtual account
Volume is that the share of at least one first virtual account settles accounts share in, and the second part includes and the first platform
In corresponding second virtual account of the first user, the share of second virtual account corresponds at least a resource
The share of the resource to first user should be settled accounts, which comprises
In step S302, receive from the client of first user from second virtual account to specified resource account
Produce the request of the resource of specified quantum, wherein the specified quantum is less than or equal to the current share of second virtual account；
In step S304, determine whether the share in the clearing virtual account is more than or equal to the specified quantum；And
In step S306, in the case where the share in the clearing virtual account is more than or equal to the specified quantum, from
At least one described resource account produces the resource of the specified quantum to the specified resource account.
In the case where the resource is fund, the virtual set of books is, for example, the off-balancesheet set of books in Fig. 2, it will be understood that
In the case where the resource is not fund, each resource account similarly can be established with off-balancesheet set of books, turn to resource
The management for entering and producing.At least one described first virtual account be, for example, receipts single head cun account in Fig. 2 in off-balancesheet set of books and
Position of transferring accounts account, the amount of money of two accounts correspond respectively to two part moneys of the first platform trustship in such as bank capital pond
The share of gold.Wherein, the whole clients cut-off for receiving whole trade companies that single head cun account corresponds to the first platform has currently passed through brush
The fund that the modes such as card, network payment are transferred to the fund pool and are not swapped out yet, principal amount correspond in table in set of books
Single amount of money to settlement accounts is received, whole clients cut-off that position of transferring accounts account corresponds to whole trade companies of the first platform is current
The fund for being transferred to the fund pool by way of transferring accounts and not being swapped out (do not settle accounts) yet, principal amount correspond in table
It transfers accounts in set of books the amount of money to be settled accounts.Second virtual account be, for example, in Fig. 2 in off-balancesheet set of books " the first trade company can settle accounts
Sub- account ", the amount of money, which corresponds to bank, should settle accounts to the capital amount of the first trade company.Alternatively, second virtual account can be
" platform can settle accounts sub- account " in Fig. 2 off-balancesheet set of books, the amount of money, which corresponds to bank, should settle accounts to the capital amount of platform.Specifically
That the share of second virtual account is based on following two determinations: whole clients of the first B end subscriber to it is described at least
The sum of resource share that one resource account has been transferred to and the first B end subscriber have been produced from second virtual account
Resource share.
The operating process of each step is described below in detail.
Firstly, in step S302, receive from the client of first user from second virtual account to specified money
Source account produces the request of the resource of specified quantum, wherein the specified quantum is less than or equal to working as second virtual account
Preceding share.
First user client is, for example, bank client, and the first user is, for example, above-mentioned first trade company, such as
The bank client can be logged in by its sub- account of the first trade company and account password.After the login, the first trade company can pass through
User end to server sends transfer request, that is, requests the designated amounts in its sub- account (the first trade company can settle accounts sub- account)
Produce its real bank account.It is appreciated that the sub- account be can not overdrawing account, the designated amounts can only be set as small
The amount of money of sub- account can be settled accounts in being equal to first trade company.
In step S304, determine whether the share in the clearing virtual account is more than or equal to the specified quantum.In silver
After row server receives above-mentioned request, the amount of money of the clearing virtual account is obtained from the off-balancesheet set of books, and by the knot
The amount of money for calculating virtual account is compared with above-mentioned designated amounts, to determine whether the amount of money of the clearing virtual account is more than or equal to
Designated amounts.
In step S306, in the case where the share in the clearing virtual account is more than or equal to the specified quantum, from
At least one described resource account produces the resource of the specified quantum to the specified resource account.
As shown in Figure 2, settle accounts the amount of money in virtual account be platform trustship in bank can settlement fund volume, that is, receive
It is single to settlement accounts with transfer accounts to settlement accounts the amount of money and in can settlement amounts.For example, when receive it is single to settlement accounts and/
Or transfer accounts when in settlement accounts include lose merchant information payment amount when, the payment amount be can not settlement amounts, will count
Enter in the pending accounts account in Fig. 2, and the amount of money for settling accounts virtual account is to receive list to settlement accounts and the gold transferred accounts to settlement accounts
Volume and subtract the payment amount.In the case where determining that the amount of money of the clearing virtual account is more than or equal to designated amounts, also
It is to say, when the fund for producing designated amounts from the inside family of bank (receive list to settlement accounts and/or transfer accounts to settlement accounts)
When, there is no the risks that bank provides loans.To settlement accounts and transfer accounts from receipts list to any one account in settlement accounts
The designated amounts are produced to destiny account in family, alternatively, to settlement accounts and can transfer accounts from receipts list to settlement accounts respectively to finger
Determine account and produce certain amount of money, so that the sum of its amount of money produced is the designated amounts.
After the fund of designated amounts is produced at family inside bank, in table in set of books, the debt of bank reduces, i.e.,
List is received to settlement accounts and/or the amount of money reduction transferred accounts to settlement accounts, meanwhile, the assets of bank decrease, that is, bank deposits
The amount of money in loan account is also correspondingly reduced, to reach debt-credit balance in set of books in table.In off-balancesheet set of books, single head is received
Transfer accounts to be settled accounts account of the receipts list in very little account mapping table in set of books to settlement accounts, in position of transferring accounts account mapping table in set of books
Therefore it to settlement accounts and transfers accounts to settlement accounts correspondingly with receipts list, receives single head cun account and in position account of transferring accounts one in family
A or two accounts reduce the corresponding amount of money, so that the amount of money of clearing virtual account reduces designated amounts.In addition, off-balancesheet account
The first trade company in set can settle accounts sub- account because being extracted the fund of designated amounts, and account also reduces designated amounts.
To also reach debt-credit balance in off-balancesheet set of books.
Below by the server of the simplification in table 1 illustrated based on the account book of set of books shown in Fig. 2 in Fig. 1
Resource be transferred to and produce processing.
Table 1
As shown in table 1, in entering golden scene, for example, the first trade company A client by way of payment by the transfer of accounts to first
100 yuan of the sub- bill payment of trade company, so that A client is transferred to the transferring accounts to settlement accounts of bank for 100 yuan.After being transferred to, such as
Shown in table 1, for set of books in table, loans and deposits account (assets class) amount of money of bank increases by 100 yuan, meanwhile, account to be settled accounts of transferring accounts
The amount of money at family (debt class) increases by 100 yuan, that is, the debt that bank waits settling accounts away increases by 100 yuan.At this point, set of books reaches in table
Debt-credit balance.For off-balancesheet set of books, the position account of transferring accounts at assets end follow transfer accounts to settlement accounts increase and correspondingly
100 yuan of increase, meanwhile, server, which passes through the sub- account information of trade company received, can settle accounts sub- account increase for the trade company at end of being in debt
90 yuan, and platform can be settled accounts into sub- account and increase by 10 yuan (that is, platform deduct a percentage in the transaction 10%), thus in off-balancesheet set of books
In also reached debt-credit balance.
Enter in golden scene in another kind, such as the B client of the first trade company pays 100 to the first trade company by way of swiping the card
Member.In this case, such as by bank it is supplied to the sub- account that the first trade company is provided in the card swiping device of the first trade company, in B
After client swipes the card and clears fund to account by channel, server can similarly update set of books in table, unlike, it will
Receipts list in table increases by 100 yuan to settlement accounts.Correspondingly, the receipts single head of off-balancesheet cun account is increased by 100 yuan, and according to from brush
The sub- account for the first trade company that card apparatus obtains, can settle accounts sub- account amount of money to trade company and update accordingly.To similarly
Reach the debt-credit balance of off-balancesheet in table.
In going out golden scene, such as the first trade company wishes to produce 180 yuan in its sub- account to its true fund account, the
One trade company can log in its bank client, and request to produce.In this case, server determines off-balancesheet set of books as shown in Figure 2
In the amount of money of clearing virtual account whether be more than or equal to 180 yuan, the amount of money of the clearing virtual account is to transfer accounts in off-balancesheet set of books
In the sum of position account and the amount of money for receiving single head cun account can settlement amounts, it is aforementioned enter golden scene in, current row silver deposits account
100 yuan are increased, platform receives single head cun account and increased by 100 yuan, therefore the amount of money for settling accounts virtual account is at least 200 yuan, greatly
In being equal to 180 yuan, therefore, turn to settlement accounts to first trade company's real accounts from described transfer accounts to settlement accounts and/or receipts list
180 yuan out.After producing this 180 yuan, set of books shown in server update Fig. 2, specifically, in table in set of books, will transfer accounts to
Settlement accounts and receipts list reduce the corresponding amount of money to one or two of settlement accounts (debt class) account and its are made to reduce the amount of money
Be 180 yuan, such as shown in table 1, will transfer accounts and reduce 90 yuan to settlement accounts, will receive it is single reduce 90 yuan to settlement accounts,
The amount of money of loans and deposits account (assets class) is reduced 180 yuan, to reach the debt-credit balance of set of books in table.In off-balancesheet set of books,
Trade company can settle accounts sub- account (debt class) and produce 180 yuan, and position of transferring accounts account and receipts single head cun account (assets class) are followed and transferred accounts
It to settlement accounts and receives single amount of money reduction to settlement accounts and correspondingly reduces, to reach the debt-credit balance of off-balancesheet set of books.
Fig. 4 shows a kind of device 400 that resource is produced based on virtual set of books according to this specification embodiment, described device
It is deployed in resource management side's server, the virtual set of books includes first part and second part, and the first part includes
At least one first virtual account corresponding with the first platform and clearing virtual account, at least one first virtual account
Share corresponds respectively to the respective share of at least one resource account of the resource management side, at least one described resource account
For recording the first platform trustship respectively at least a resource of the resource management side, the clearing virtual account
Share be at least one first virtual account share and in settle accounts share, the second part include with it is first flat
Corresponding second virtual account of the first user in platform, the share of second virtual account correspond at least a resource
In should settle accounts the share of resource to first user, described device includes:
Receiving unit 41, is configured to, and receives from the client of first user from second virtual account to specified
Resource account produces the request of the resource of specified quantum, wherein the specified quantum is less than or equal to second virtual account
Current share；
Determination unit 42, is configured to, and determines whether the share in the clearing virtual account is more than or equal to described specified part
Volume；And
Unit 43 is produced, is configured to, the share in the clearing virtual account is more than or equal to the feelings of the specified quantum
In condition, the resource of the specified quantum is produced from least one described resource account to the specified resource account.
In one embodiment, described device further includes, and share reduces unit 44, is configured to, from it is described at least one
It, will at least one described first virtual account after resource account produces the resource of the specified quantum to the specified resource account
The share of one or more accounts in family is correspondingly reduced, so that the share of the clearing virtual account reduces described specify
Share, and the share of second virtual account is reduced into the specified quantum.
On the other hand this specification provides a kind of computer readable storage medium, be stored thereon with computer program, work as institute
When stating computer program and executing in a computer, computer is enabled to execute any of the above-described method.
On the other hand this specification provides a kind of calculating equipment, including memory and processor, which is characterized in that described to deposit
It is stored with executable code in reservoir, when the processor executes the executable code, realizes any of the above-described method.
In the scheme according to this specification embodiment, set of books has been opened up in off-balancesheet account, has included two type of assets and liabilities
The account of type, and in the case where multiple female accounts, clearing virtual account is added at off-balancesheet set of books assets end, to pass through account
The risk that the linkage book keeping operation of set avoids female account overdraft on banks from providing loans.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
Those of ordinary skill in the art should further appreciate that, describe in conjunction with the embodiments described herein
Each exemplary unit and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clear
Illustrate to Chu the interchangeability of hardware and software, generally describes each exemplary group according to function in the above description
At and step.These functions hold track actually with hardware or software mode, depending on technical solution specific application and set
Count constraint condition.Those of ordinary skill in the art can realize each specific application using distinct methods described
Function, but this realization is it is not considered that exceed scope of the present application.
The step of method described in conjunction with the examples disclosed in this document or algorithm, can hold track with hardware, processor
Software module or the combination of the two implement.Software module can be placed in random access memory (RAM), memory, read-only storage
Device (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology neck
In any other form of storage medium well known in domain.
Above-described specific embodiment has carried out further the purpose of the present invention, technical scheme and beneficial effects
It is described in detail, it should be understood that being not intended to limit the present invention the foregoing is merely a specific embodiment of the invention
Protection scope, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should all include
Within protection scope of the present invention.
Claims (22)
1. a kind of method for producing resource based on virtual set of books, the method execute in resource management side's server, the void
Quasi- set of books includes first part and second part, and the first part includes that corresponding with the first platform at least one is first virtual
Account and clearing virtual account, the share of at least one first virtual account correspond respectively to the resource management side extremely
A few respective share of resource account, at least one described resource account for recording the first platform trustship in institute respectively
At least a resource of resource management side is stated, the share of the clearing virtual account is at least one first virtual account
Share settles accounts share in, and the second part includes the second virtual account corresponding with the first user in the first platform
Family, the share of second virtual account, which corresponds at least a resource, should settle accounts to the resource of first user
Share, which comprises
It is received from the client of first user and produces specified quantum from second virtual account to specified resource account
The request of resource, wherein the specified quantum is less than or equal to the current share of second virtual account；
Determine whether the share in the clearing virtual account is more than or equal to the specified quantum；And
In the case where share in the clearing virtual account is more than or equal to the specified quantum, from least one described resource
Account produces the resource of the specified quantum to the specified resource account.
2. according to the method described in claim 1, further include, from least one described resource account to the specified resource account
After the resource of the specified quantum is produced at family, by part of one or more accounts at least one described first virtual account
Volume is correspondingly reduced, so that the share of the clearing virtual account reduces the specified quantum, and by the described second virtual account
The share at family reduces the specified quantum.
3. according to the method described in claim 1, first user is the first B end subscriber of first platform.
4. according to the method described in claim 1, first user is first platform itself.
5. according to the method described in claim 1, wherein, at least a resource is transferred to mode at least one resource and distinguishes
It is corresponding.
6. it is following one kind that the resource, which is transferred to mode, according to the method described in claim 5, wherein: the same day to account mode with
The non-same day is to account mode.
7. according to the method described in claim 3, wherein, the share of second virtual account is based on following two determinations: institute
State the sum of resource share that whole clients of the first B end subscriber have been transferred to at least one described resource account and described
The resource share that one B end subscriber has been produced from second virtual account.
8. the pending accounts are empty according to the method described in claim 1, wherein, the first part further includes pending accounts virtual account
The share of quasi- account is that the share of at least one first virtual account can not settle accounts share in.
9. according to the method described in claim 1, wherein, the resource management side is institutions managing funds or payment mechanism.
10. according to the method described in claim 9, wherein, the virtual set of books is the off-balancesheet set of books of first platform.
11. a kind of device for being produced resource based on virtual set of books, described device are deployed in resource management side's server, the void
Quasi- set of books includes first part and second part, and the first part includes that corresponding with the first platform at least one is first virtual
Account and clearing virtual account, the share of at least one first virtual account correspond respectively to the resource management side extremely
A few respective share of resource account, at least one described resource account for recording the first platform trustship in institute respectively
At least a resource of resource management side is stated, the share of the clearing virtual account is at least one first virtual account
Share settles accounts share in, and the second part includes the second virtual account corresponding with the first user in the first platform
Family, the share of second virtual account, which corresponds at least a resource, should settle accounts to the resource of first user
Share, described device include:
Receiving unit is configured to, and is received from the client of first user from second virtual account to specified resource account
Produce the request of the resource of specified quantum in family, wherein the specified quantum is less than or equal to current part of second virtual account
Volume；
Determination unit is configured to, and determines whether the share in the clearing virtual account is more than or equal to the specified quantum；And
Unit is produced, is configured to, in the case where the share in the clearing virtual account is more than or equal to the specified quantum, from
At least one described resource account produces the resource of the specified quantum to the specified resource account.
12. device according to claim 11 further includes, share reduces unit, is configured to, from least one described money
It, will at least one described first virtual account after source account produces the resource of the specified quantum to the specified resource account
In the shares of one or more accounts correspondingly reduce so that the share of the clearing virtual account reduces described specified part
Volume, and the share of second virtual account is reduced into the specified quantum.
13. device according to claim 11, first user is the first B end subscriber of first platform.
14. device according to claim 11, first user is first platform itself.
15. device according to claim 11, wherein at least a resource and at least one resource are transferred to mode point
Dui Ying not.
16. device according to claim 15, wherein it is following one kind: the same day to account mode that the resource, which is transferred to mode,
With the non-same day to account mode.
17. device according to claim 13, wherein the share of second virtual account is based on following two determinations:
The sum of resource share that whole clients of the first B end subscriber have been transferred to at least one described resource account and described
The resource share that first B end subscriber has been produced from second virtual account.
18. device according to claim 11, wherein the first part further includes pending accounts virtual account, the pending accounts
The share of virtual account is that the share of at least one first virtual account can not settle accounts share in.
19. device according to claim 11, wherein the resource management side is institutions managing funds or payment mechanism.
20. device according to claim 19, wherein the virtual set of books is the off-balancesheet set of books of first platform.
21. a kind of computer readable storage medium, is stored thereon with computer program, when the computer program in a computer
When execution, computer perform claim is enabled to require the method for any one of 1-10.
22. a kind of calculating equipment, including memory and processor, which is characterized in that be stored with executable generation in the memory
Code realizes method of any of claims 1-10 when the processor executes the executable code.
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| CN201910234787.0A CN110033361B (en) | 2019-03-26 | 2019-03-26 | Method and device for transferring out resources based on virtual account cover |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110992077A (en) * | 2019-11-01 | 2020-04-10 | 北京三快在线科技有限公司 | Advertisement fee settlement method, device, electronic equipment and storage medium |
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| US8577809B2 (en) * | 2011-06-30 | 2013-11-05 | Qualcomm Incorporated | Method and apparatus for determining and utilizing value of digital assets |
| CN106209953B (en) * | 2015-05-08 | 2020-06-26 | 阿里巴巴集团控股有限公司 | Order information processing method, device and system |
| CN108734452B (en) * | 2017-04-13 | 2021-08-17 | 创新先进技术有限公司 | Internet resource transfer method, account transfer method and device |
| CN108038684A (en) * | 2017-12-28 | 2018-05-15 | 泰康保险集团股份有限公司 | A kind of method of payment, device, medium and electronic equipment |
| CN109472151A (en) * | 2018-10-31 | 2019-03-15 | 金蝶软件（中国）有限公司 | A kind of method and server of data access |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110992077A (en) * | 2019-11-01 | 2020-04-10 | 北京三快在线科技有限公司 | Advertisement fee settlement method, device, electronic equipment and storage medium |
| CN110992077B (en) * | 2019-11-01 | 2022-01-14 | 北京三快在线科技有限公司 | Advertisement fee settlement method, device, electronic equipment and storage medium |
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