CN110033361B - Method and device for transferring out resources based on virtual account cover - Google Patents
Method and device for transferring out resources based on virtual account cover Download PDFInfo
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- CN110033361B CN110033361B CN201910234787.0A CN201910234787A CN110033361B CN 110033361 B CN110033361 B CN 110033361B CN 201910234787 A CN201910234787 A CN 201910234787A CN 110033361 B CN110033361 B CN 110033361B
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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
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Abstract
Embodiments of the present disclosure provide a method and apparatus for transferring out a resource based on a virtual account set, the method being executed in a resource manager server, the virtual account set including a first portion including at least one first virtual account and a settlement virtual account corresponding to a first platform, and a second portion including a second virtual account corresponding to a first user in the first platform, the method comprising: receiving a request from a client of the first user to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account; determining whether the share in the settled virtual account is greater than or equal to the specified share; and transferring the specified share of the resource from the at least one resource account to the specified resource account in the case that the share in the settled virtual account is greater than or equal to the specified share.
Description
Technical Field
The embodiment of the specification relates to the field of Internet, in particular to a method and a device for transferring out resources based on a virtual share account.
Background
"S2B2C" generally refers to a supply and sales integrated marketing model in which the three suppliers, distributors, and buyers are seamlessly integrated, and in particular herein refers to vendor-to-merchant-to-customer in a platform. In the S2B2C mode, various roles of a commercial platform, a B-end commercial tenant and a client exist, and the commercial platform cannot have a two-step problem under the monitoring requirement, so that the funds of the commercial platform are required to be settled in a banking system, and a set of mother-son account system capable of bearing the commercial platform and the commercial tenant is required. The main account is a bank internal account of the bank corresponding to the platform, the main account is an in-table account, the main account is an asset liability table of the bank, the sub account is a virtual account used for registering each merchant share in the bank, and the sub account is an out-table account of the asset liability table. The sub-accounts are single-side virtual accounts, the external accounts are unbalanced (borrowing balance) according to the accounting requirement, and when the single-side deduction is carried out, the sub-accounts are overdrawn. In a complex business scene, one sub-account needs to correspond to a plurality of parent accounts, and when the sub-account pays money, the plurality of parent accounts are associated to link the payment, and in the case, the parent account also has overdraft risk, so that under the traditional parent-sub-account system, the bank actually has fund-filling risk.
Thus, there is a need for a more efficient scheme for rolling out resources.
Disclosure of Invention
Embodiments of the present disclosure aim to provide a more efficient solution for transferring out resources based on virtual share account sets, so as to solve the deficiencies in the prior art.
To achieve the above object, an aspect of the present specification provides a method for transferring out a resource based on a virtual account set, the method being performed in a resource manager server, the virtual account set including a first part including at least one first virtual account corresponding to a first platform and a settled virtual account, the shares of the at least one first virtual account corresponding to respective shares of at least one resource account of the resource manager, the at least one resource account being for recording at least one resource hosted by the first platform at the resource manager, respectively, and a second part including a second virtual account corresponding to a first user of the first platform, the shares of the second virtual account corresponding to a share of the at least one resource which should be settled to the first user, the method comprising:
receiving a request from a client of the first user to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account;
determining whether the share in the settled virtual account is greater than or equal to the specified share; and
and transferring the specified share of the resource from the at least one resource account to the specified resource account in the case that the share in the settlement virtual account is greater than or equal to the specified share.
In one embodiment, the method further comprises, after transferring the specified share of the resource from the at least one resource account to the specified resource account, correspondingly reducing the share of one or more of the at least one first virtual account such that the share of the settlement virtual account is reduced by the specified share and the share of the second virtual account is reduced by the specified share.
In one embodiment, the first user is a first B-terminal user of the first platform.
In one embodiment, the first user is the first platform itself.
In one embodiment, the at least one resource corresponds to at least one resource transfer mode.
In one embodiment, the resource transfer mode is one of the following: the current day account-arriving mode and the non-current day account-arriving mode.
In one embodiment, the share of the second virtual account is determined based on two of: the sum of the resource shares that all clients of the first B-end user have transferred to the at least one resource account, and the resource share that the first B-end user has transferred from the second virtual account.
In one embodiment, the first portion further comprises a checkout virtual account having a share of the sum of the shares of the at least one first virtual account that is a non-settleable share.
In one embodiment, the resource manager is a funds management authority or a payment authority.
In one embodiment, the virtual ledger is an off-table ledger of the first platform.
In another aspect, the present disclosure provides an apparatus for transferring out resources based on a virtual account set, the apparatus being deployed in a server of a resource manager, the virtual account set including a first portion and a second portion, the first portion including at least one first virtual account corresponding to a first platform and a settlement virtual account, a share of the at least one first virtual account corresponding to a respective share of at least one resource account of the resource manager, the at least one resource account being used for recording, respectively, at least one resource hosted by the first platform at the resource manager, a share of the settlement virtual account being a sum of shares of the at least one first virtual account, the second portion including a second virtual account corresponding to a first user of the first platform, a share of the second virtual account corresponding to a share of a resource of the at least one resource that should be given to the first user, the apparatus comprising:
a receiving unit configured to receive, from a client of the first user, a request to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account;
a determination unit configured to determine whether a share in the settlement virtual account is equal to or greater than the specified share; and
and a transfer-out unit configured to transfer out the specified share of the resource from the at least one resource account to the specified resource account in a case where the share in the settlement virtual account is equal to or greater than the specified share.
In one embodiment, the apparatus further comprises a share reducing unit configured to, after transferring the specified share of the resource from the at least one resource account to the specified resource account, correspondingly reduce the share of one or more of the at least one first virtual account such that the share of the settlement virtual account is reduced by the specified share and the share of the second virtual account is reduced by the specified share.
Another aspect of the present description provides a computer-readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform any of the methods described above.
Another aspect of the present specification provides a computing device comprising a memory and a processor, wherein the memory has executable code stored therein, and wherein the processor, when executing the executable code, performs any of the methods described above.
In the scheme according to the embodiment of the specification, an account cover is opened at the out-of-table account, two types of accounts including assets and liabilities are included, and under the condition of a plurality of parent accounts, a settlement virtual account is additionally arranged at the out-of-table account cover asset end, so that the risk of overdrawing bank deposit by the parent account is avoided through linkage account counting of the account cover.
Drawings
The embodiments of the present specification may be further clarified by describing the embodiments of the present specification with reference to the accompanying drawings:
FIG. 1 illustrates a schematic diagram of an off-table ledger-based resource transfer system 100 in accordance with an embodiment of the present description;
FIG. 2 illustrates an in-table out-of-table ledger schematic diagram according to an embodiment of the present description;
FIG. 3 illustrates a method for transferring out resources based on a virtual ledger in accordance with an embodiment of the present description;
fig. 4 illustrates an apparatus 400 for virtual ledger-based roll-out of resources according to an embodiment of the present description.
Description of the embodiments
Embodiments of the present specification will be described below with reference to the accompanying drawings.
Fig. 1 shows a schematic diagram of an off-table ledger-based resource transfer system 100 in accordance with an embodiment of the present description. As shown in fig. 1, system 100 includes a server 11, a client 12, a resource pool 13, and a ledger data module 14. The server 11 is a server of a resource manager, such as a server of a funds management institution, such as a banking institution, a payment institution, or the like. The resource pool 13 is a collection of resources hosted by the service platform at the resource manager, for example, in the case where the resources are funds and the resource manager is a bank, the resource pool 13 corresponds to at least one internal user of the bank for recording the funds hosted by the platform. The client 12 is a user client provided by a resource manager. The business platform is, for example, a business platform, such as an S2B2C mode platform, a shopping platform, a checkout platform, etc., wherein the business platform comprises a plurality of B-end merchants, each B-end merchant comprises a plurality of clients thereof, and the clients may be C-end clients or may be physical store clients, etc. In order to avoid the two-step problem, when the customer of the B-side merchant pays through the platform, the payment is not transferred to the platform account, but is transferred to the bank internal home, and the bank and the B-side merchant carry out settlement.
The account data module 14 is used for recording the resource settlement share between the resource manager and the service platform and the resource settlement share between the service platform and the user thereof. In the case where the resource is funded, the ledger data module 14 includes, for example, an in-table ledger in which the bank's aforementioned at least one internal account for the platform (which may be considered to correspond to the parent account of the platform asset) and an out-table ledger in which the B-side merchant's sub-account is included. It will be appreciated that in embodiments of the present description, the resource manager is not limited to banks or payees, nor is the resource limited to funds, for example, the resource may be a network resource or the like, and the resource manager is a manager of the corresponding resource.
The ledger data module 14 may be a stand-alone database system or may be a data storage module in a server. When the client of the B-side merchant pays the B-side merchant based on the sub-account of the B-side merchant, the payment funds finally reach the bank resource pool 13, and meanwhile, in the server 11, corresponding account data in the account data module 14 is updated through the association relationship between the sub-account and the parent account, wherein the sub-account amount of the B-side merchant increases the proportion (for example, 90%) amount of the payment amount. When the B-side merchant is about to withdraw the specified amount in its sub-account through its client 12, the server 11 determines whether it is currently withdrawable based on the data in the account data module, and if so, transfers the funds of the specified amount in the parent account into the specified account (e.g., the bank account of the B-side merchant), and updates the account data after the transfer.
In order to avoid the problems of the parent-child accounts in the prior art in the commercial platform such as S2B2C, in the solution according to the embodiment of the present disclosure, by constructing an off-table account cover system, the off-table account is also balanced, so as to avoid the risk of overdrawing the account and bank deposit.
The in-table out-table ledger according to the embodiments of the present specification is described in detail below.
Fig. 2 shows an in-table out-of-table ledger schematic diagram in accordance with an embodiment of the present description. As described above, in the case where the resource manager is, for example, a bank or a payment mechanism, the resource is a fund, and hereinafter, an example will be described in which the fund is taken as an example of the resource.
As shown in fig. 2, the in-table ledger includes asset-class accounts such as banks: deposit loan account, account to be cleared, liability account of bank: platform account, receipt settlement account and account to be settled for transfer. The loan deposit account corresponds to a fund pool of a bank, the transfer amount of any customer of any B-end merchant in the first platform is transferred into the fund pool, the money is recorded in the loan deposit account, the amount transferred from any customer to the channel but not cleared through the receipt payment of any customer is recorded in the account to be cleared, and the amount of the account to be cleared is transferred into the fund pool, namely, the account to be cleared is transferred into the loan deposit account. The platform account is a dominantly available account of the platform, which corresponds to the own funds of the platform, the acquiring account to be settled and the transferring account to be settled are internal accounts of the bank, which are not dominantly available to the platform, and correspond to the funds which the bank will settle to each merchant and the platform. The amount of the account to be settled corresponds to the amount of funds transferred to the fund pool and not calculated by all clients of all B-side merchants of the first platform in a current money transfer mode, wherein the money transfer mode of the bank is usually that of the account on the same day. The amount of the account to be settled corresponds to the amount of funds which are paid by all customers of all B-side merchants of the first platform in a current way through card swiping, network payment and the like, transferred into the fund pool and not calculated, and the card swiping and the like pay corresponding to the acquiring business of a bank, usually every other day to account. The in-table account cover generally needs to be balanced in loan, that is, when the client of the B-side merchant pays based on the sub-account of the B-side merchant, the payment funds are transferred into the bank fund pool, the amount of the bank loan account increases, the bank assets increase, and meanwhile, the debt to be settled by the bank correspondingly increases, that is, the amount of the account to be settled by the order and/or the account to be settled by the transfer increases.
The liabilities to be settled by the bank may be considered as assets of the first platform, and thus, as shown in fig. 2, in an off-table account holder, which does not count into an asset liability table, an asset account and liability account thereof are constructed from the perspective of the first platform, wherein the accounts are virtual accounts, only for registering shares, and do not actually carry funds. Wherein, the asset account of the off-table account cover comprises: the platform has a fund account, a single position account, a transfer position account, a settlement virtual account, a hanging virtual account and the like. The amount of the fund account of the platform corresponds to the amount of the platform account in the in-table account set, the account at the position of the receipt corresponds to the amount of the account to be settled in the in-table account set, and the account at the position of the transfer corresponds to the amount of the account to be settled in the in-table account set. The amount of the settlement virtual account is a settleable amount in the sum of the amounts of the receipt position account and the transfer position account. That is, the amount of the settlement virtual account is the sum of the amounts of the internal banks (parent account) in the in-table ledger, corresponding to funds available for settlement to the merchant, or platform. The amount of the virtual account for the settlement is the sum of the amount of the internal bank account (parent account) in the form, for example, in the case where the customer of the first platform loses merchant-related information (such as a merchant sub-account) at the time of payment, the transferred amount is credited to the virtual account for the settlement, and thus not credited to the virtual account for the settlement.
The liability account of the off-list ledger may include, for example, sub-accounts for the respective merchants in the first platform, e.g., the first merchant may settle the sub-accounts. Wherein the amount in the first merchant settleable sub-account may be transferred out by the first merchant logging into the bank's client, e.g. transferring funds of a specified amount out to the first merchant's real bank account, etc., a process known as a cash out process. When any customer of the first merchant pays funds based on the first merchant's sub-account, the process is referred to as a funding process, in which case the amount of the first merchant's settleable sub-account is increased by a predetermined proportion (e.g., 90%) of the amount of the paid funds so that the first merchant can request transfer of the amount of funds through the first merchant's settleable sub-account. When any customer of the first merchant pays funds by means of card swiping, network payment and the like, the funds are counted into the account to be settled after the funds are paid, when any customer of the first merchant pays the funds by means of bank transfer, the funds are counted into the account to be settled after the funds are paid, and meanwhile, the respective amounts of the account to be settled, the account to be settled and the account to be settled in the out-of-table account cover are correspondingly increased.
The liability account of the off-meter account cover can also comprise a checkout sub-account and a platform settleable sub-account, wherein the platform checkout sub-account corresponds to the platform checkout account and is used for recording the settlement amount of the transaction losing the merchant information. The platfonn-settleable sub-account corresponds, for example, to a merchant commission that the platfonn should acquire, in which case, when the customer of the merchant transfers funds to the fund pool, the amount added to the merchant-settleable sub-account is the amount that the proportional commission remains minus the amount, while the amount of the platfonn-settleable sub-account is increased by the commission amount that is proportional to the amount.
The cash out by the mother and child account data shown in fig. 2 will be described in detail to avoid the banking risk that may occur in the prior art.
Fig. 3 illustrates a method for transferring out resources based on a virtual account set according to an embodiment of the present disclosure, the method being performed in a resource manager server, the virtual account set including a first portion including at least one first virtual account corresponding to a first platform and a settled virtual account, the shares of the at least one first virtual account corresponding to respective shares of at least one resource account of the resource manager, the at least one resource account being used for recording at least one resource hosted by the first platform at the resource manager, respectively, the shares of the settled virtual account being a balance of the shares of the at least one first virtual account, and a second portion including a second virtual account corresponding to a first user of the first platform, the shares of the second virtual account corresponding to shares of resources that should be settled to the first user of the at least one resource, the method comprising:
in step S302, a request for transferring a specified share of a resource from the second virtual account to a specified resource account is received from a client of the first user, where the specified share is less than or equal to a current share of the second virtual account;
at step S304, determining whether the share in the settled virtual account is greater than or equal to the specified share; and
in step S306, in the case where the share in the settlement virtual account is equal to or greater than the specified share, the specified share of the resource is transferred from the at least one resource account to the specified resource account.
In the case where the resource is funded, the virtual ledger is, for example, the off-list ledger in fig. 2, it will be appreciated that in the case where the resource is not funded, individual resource accounts may be established similarly to the off-list ledger for management of resource transfers in and out. The at least one first virtual account is, for example, a receipt position account and a transfer position account in the out-of-table account set in fig. 2, the amounts of which correspond to the shares of two funds respectively that the first platform hosts in, for example, a bank fund pool. The account of the receiving position corresponds to all clients of all merchants of the first platform to cut off funds which are transferred into the fund pool through the modes of card swiping, network payment and the like and are not transferred yet, the fund amount corresponds to the amount of the account to be settled of the receiving bill in the account cover in the table, the account of the transferring position corresponds to all clients of all merchants of the first platform to cut off funds which are transferred into the fund pool through the mode of transferring and are not transferred yet (not settled) in the table, and the fund amount corresponds to the amount to be settled of the transferring account in the account cover in the table. The second virtual account is, for example, a "first merchant-settleable sub-account" in the form of the external account cover in fig. 2, and its amount corresponds to the amount of funds that the bank should settle to the first merchant. Alternatively, the second virtual account may be a "flat-platforable sub-account" in the out-of-table account envelope of fig. 2, whose amount corresponds to the amount of funds that the bank should settle to the flat. Specifically, the share of the second virtual account is determined based on two of: the sum of the resource shares that all clients of the first B-end user have transferred to the at least one resource account, and the resource share that the first B-end user has transferred from the second virtual account.
The operation of each step is described in detail below.
First, in step S302, a request is received from a client of the first user to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account.
The first user client is, for example, a bank client, and the first user is, for example, the first merchant, and can log in to the bank client through, for example, a first merchant sub-account and an account password. After logging in, the first merchant may send a transfer request to the server via the client requesting that the specified amount in its sub-account (the first merchant's settleable sub-account) be transferred out to its real bank account. It is understood that the sub-account is an unbiasable account, and the specified amount can only be set to be equal to or less than the amount of the first merchant-settleable sub-account.
In step S304, it is determined whether the share in the settlement virtual account is equal to or greater than the specified share. After the bank server receives the request, the amount of the settlement virtual account is obtained from the out-of-table account cover, and the amount of the settlement virtual account is compared with the specified amount to determine whether the amount of the settlement virtual account is greater than or equal to the specified amount.
In step S306, in the case where the share in the settlement virtual account is equal to or greater than the specified share, the specified share of the resource is transferred from the at least one resource account to the specified resource account.
As shown in fig. 2, the amount in the settlement virtual account is a settleable fund amount that is hosted at the bank by the platform, i.e., a settleable amount in the sum of the amounts of the acquirer settlement account and the transfer settlement account. For example, when a payment amount of missing merchant information is included in the order and/or transfer accounts to be settled, the payment amount is an unsettlable amount to be charged to the account to be settled in fig. 2, and the amount of the settlement virtual account is the sum of the amounts of the order and transfer accounts to be settled and the payment amount is subtracted. In the case where it is determined that the amount of the settlement virtual account is equal to or greater than the specified amount, that is, when funds of the specified amount are transferred from the internal user of the bank (i.e., the acquiring account to be settled and/or the transferring account to be settled), there is no risk of bank funding. Thus, the specified amount may be transferred from any one of the account to be settled for receipt and the account to be settled for transfer to the specified account, or a certain amount may be transferred from the account to be settled for receipt and the account to be settled for transfer to the specified account, respectively, so that the sum of the amounts transferred therefrom is the specified amount.
After transferring funds of a specified amount from the bank's home, the bank's liability is reduced, i.e., the amount of the account to be settled for receipts and/or accounts to be settled for transfers is reduced, and at the same time, the bank's assets are also reduced, i.e., the amount in the bank's loan deposit account is correspondingly reduced, thereby achieving a lending balance in the form's account. In the off-list account set, the account in the account set in the account mapping table of the account at the position of the order to be settled and the account in the account set in the account mapping table of the account at the position of the transfer account to be settled, so that corresponding to the account to be settled and the account to be settled, one or two accounts in the account at the position of the order to be settled and the account at the position of the transfer account are reduced by corresponding amounts, and the amount of the settlement virtual account is reduced by a specified amount. In addition, the first merchant in the off-table jacket may settle the sub-account for the specified amount of funds that were withdrawn, and thus its account is also reduced by the specified amount. Thus, the lending balance is also achieved in the off-table account jacket.
The resource in-and out-of-process in the server in fig. 1 is illustrated below by a simplified ledger book in table 1 based on the ledger shown in fig. 2.
As shown in table 1, in the fund scenario, for example, the a-customer of the first merchant pays 100 yuan to the first merchant sub-account by means of transfer payment, so that the a-customer transfers 100 yuan to the account to be settled of the transfer of the bank. After transfer, as shown in table 1, for the in-table account cover, the bank's loan deposit account (property class) amount is increased by 100 yuan, and at the same time, the amount of the account to be settled (liability class) is increased by 100 yuan, i.e., the liability to be settled by the bank is increased by 100 yuan. At this point, the in-table account cover reaches the lending balance. For off-meter account jackets, the account of the transfer position of the asset end is correspondingly increased by 100 elements along with the increase of the account to be settled, meanwhile, the server increases the merchant-settleable sub-account of the liability end by 90 elements through the received merchant sub-account information, and increases the platform-settleable sub-account by 10 elements (namely, the platform is raised to 10% in the transaction), so that the lending balance is also achieved in the off-meter account jackets.
In another enrolled scenario, for example, customer B of the first merchant pays 100 elements to the first merchant by swiping a card. In this case, the server may similarly update the in-table account cover after B-customer swipes the card and funds are accounted for by channel clearing, e.g., with the sub-account of the first merchant set in the card swiping device provided to the first merchant by the bank, except that the order-receiving settlement account in the table is incremented by 100 elements. Correspondingly, the off-list account for the acquiring position is increased by 100 yuan, and the amount of the sub-account which can be settled by the merchant is correspondingly updated according to the sub-account of the first merchant which is acquired from the card swiping equipment. Thereby likewise achieving the balance of loans from the inside to the outside of the table.
In a cash out scenario, for example, a first merchant may wish to transfer 180 elements within his sub-account to his real funds account, the first merchant may log into his bank client and request a transfer. In this case, the server determines whether or not the amount of the settlement virtual account in the off-table account cover shown in fig. 2 is 180 or more, the amount of the settlement virtual account being the resolvable amount in the sum of the amounts of the account position account and the account position account in the off-table account cover, in the foregoing posting scene, the present line of the deposit account has been increased by 100, the platform account position account has been increased by 100, and thus the amount of the settlement virtual account is at least 200, 180 or more, and thus 180 or more is transferred from the account to be settled by the transfer and/or the account position account to be settled to the first merchant real account. After the 180-element transfer, the server updates the account holder shown in fig. 2, specifically, in the in-table account holder, reduces one or both of the account to be settled and the account to be settled (liabilities) by the corresponding amount such that it is reduced by the sum of 180-elements, for example, as shown in table 1, reduces the account to be settled by 90-elements, reduces the amount of the loan deposit account (property) by 180-elements, thereby achieving the lending balance of the in-table account holder. In the off-meter account cover, the merchant can transfer out 180 yuan of accounts (liabilities), and the account of the transfer position and the account of the order receiving position (assets) correspondingly decrease along with the decrease of the amounts of the account to be settled and the account to be settled, so that the lending balance of the off-meter account cover is achieved.
Fig. 4 illustrates an apparatus 400 for transferring out resources based on a virtual account set deployed in a resource manager server, the virtual account set including a first portion including at least one first virtual account corresponding to a first platform and a settled virtual account, the shares of the at least one first virtual account corresponding to respective shares of at least one resource account of the resource manager, the at least one resource account for recording at least one resource hosted by the first platform at the resource manager, respectively, and a second portion including a second virtual account corresponding to a first user in the first platform, the shares of the second virtual account corresponding to a share of the at least one resource that should be settled to the first user, the apparatus comprising:
a receiving unit 41 configured to receive, from a client of the first user, a request to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account;
a determining unit 42 configured to determine whether a share in the settlement virtual account is equal to or greater than the specified share; and
and a transfer-out unit 43 configured to transfer out the specified share of the resource from the at least one resource account to the specified resource account in a case where the share in the settlement virtual account is equal to or greater than the specified share.
In an embodiment, the apparatus further comprises a share reducing unit 44 configured to, after transferring the specified share of the resource from the at least one resource account to the specified resource account, correspondingly reduce the share of one or more of the at least one first virtual account such that the share of the settlement virtual account is reduced by the specified share and the share of the second virtual account is reduced by the specified share.
Another aspect of the present description provides a computer-readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform any of the methods described above.
Another aspect of the present specification provides a computing device comprising a memory and a processor, wherein the memory has executable code stored therein, and wherein the processor, when executing the executable code, performs any of the methods described above.
In the scheme according to the embodiment of the specification, an account cover is opened at the out-of-table account, two types of accounts including assets and liabilities are included, and under the condition of a plurality of parent accounts, a settlement virtual account is additionally arranged at the out-of-table account cover asset end, so that the risk of overdrawing bank deposit by the parent account is avoided through linkage account counting of the account cover.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
Those of ordinary skill would further appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Those of ordinary skill in the art may implement the described functionality using different approaches for each particular application, but such implementation is not to be considered as beyond the scope of the present application.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (22)
1. A method of transferring out resources based on a virtual account set, the method being performed in a resource manager server, the virtual account set comprising a first part and a second part, the first part comprising at least one first virtual account corresponding to a first platform and a settled virtual account, the shares of the at least one first virtual account corresponding to respective shares of at least one resource account of the resource manager, the at least one resource account being for recording at least one resource hosted by the resource manager by the first platform, respectively, the shares of the settled virtual account being a sum of the shares of the at least one first virtual account, the second part comprising a second virtual account corresponding to a first user of the first platform, the shares of the second virtual account corresponding to a share of a resource of the at least one resource that should be settled to the first user, the method comprising:
receiving a request from a client of the first user to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account;
determining whether the share in the settled virtual account is greater than or equal to the specified share; and
and transferring the specified share of the resource from the at least one resource account to the specified resource account in the case that the share in the settlement virtual account is greater than or equal to the specified share.
2. The method of claim 1, further comprising, after transferring the specified share of resources from the at least one resource account to the specified resource account, correspondingly reducing the share of one or more of the at least one first virtual account such that the share of the settlement virtual account is reduced by the specified share and the share of the second virtual account is reduced by the specified share.
3. The method of claim 1, the first user being a first B-terminal user of the first platform.
4. The method of claim 1, the first user being the first platform itself.
5. The method of claim 1, wherein the at least one resource corresponds to at least one resource transfer-in manner, respectively.
6. The method of claim 5, wherein the resource transfer-in manner is one of: the current day account-arriving mode and the non-current day account-arriving mode.
7. The method of claim 3, wherein the share of the second virtual account is determined based on two of: the sum of the resource shares that all clients of the first B-end user have transferred to the at least one resource account, and the resource share that the first B-end user has transferred from the second virtual account.
8. The method of claim 1, wherein the first portion further comprises a checkout virtual account having a share of the sum of the shares of the at least one first virtual account that is a non-settleable share.
9. The method of claim 1, wherein the resource manager is a funds manager or a paymate.
10. The method of claim 9, wherein the virtual ledger is an off-table ledger of the first platform.
11. An apparatus for transferring out resources based on a virtual account set, the apparatus deployed in a resource manager server, the virtual account set comprising a first portion and a second portion, the first portion comprising at least one first virtual account corresponding to a first platform and a settled virtual account, the shares of the at least one first virtual account corresponding to respective shares of at least one resource account of the resource manager, the at least one resource account being for recording at least one resource hosted by the resource manager by the first platform, respectively, the shares of the settled virtual account being a sum of the shares of the at least one first virtual account, the second portion comprising a second virtual account corresponding to a first user of the first platform, the shares of the second virtual account corresponding to a share of a resource of the at least one resource that should be settled to the first user, the apparatus comprising:
a receiving unit configured to receive, from a client of the first user, a request to transfer a specified share of a resource from the second virtual account to a specified resource account, wherein the specified share is less than or equal to a current share of the second virtual account;
a determination unit configured to determine whether a share in the settlement virtual account is equal to or greater than the specified share; and
and a transfer-out unit configured to transfer out the specified share of the resource from the at least one resource account to the specified resource account in a case where the share in the settlement virtual account is equal to or greater than the specified share.
12. The apparatus of claim 11, further comprising a share reducing unit configured to, after transferring the specified share of resources from the at least one resource account to the specified resource account, correspondingly reduce the share of one or more of the at least one first virtual account such that the share of the settlement virtual account is reduced by the specified share and the share of the second virtual account is reduced by the specified share.
13. The apparatus of claim 11, the first user being a first B-terminal user of the first platform.
14. The apparatus of claim 11, the first user being the first platform itself.
15. The apparatus of claim 11, wherein the at least one resource corresponds to at least one resource transfer-in manner, respectively.
16. The apparatus of claim 15, wherein the resource transfer-in manner is one of: the current day account-arriving mode and the non-current day account-arriving mode.
17. The apparatus of claim 13, wherein the share of the second virtual account is determined based on two of: the sum of the resource shares that all clients of the first B-end user have transferred to the at least one resource account, and the resource share that the first B-end user has transferred from the second virtual account.
18. The apparatus of claim 11, wherein the first portion further comprises a checkout virtual account having a share of the sum of the shares of the at least one first virtual account that is a non-settleable share.
19. The apparatus of claim 11, wherein the resource manager is a funds manager or a paymate.
20. The apparatus of claim 19, wherein the virtual ledger is an off-table ledger of the first platform.
21. A computer readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform the method of any of claims 1-10.
22. A computing device comprising a memory and a processor, wherein the memory has executable code stored therein, which when executed by the processor, implements the method of any of claims 1-10.
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