CN110175832A - A kind of intermediate account Fund Supervision method, system and equipment - Google Patents
A kind of intermediate account Fund Supervision method, system and equipment Download PDFInfo
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Abstract
This application discloses a kind of intermediate account Fund Supervision method, system and equipment.The method flow of one embodiment of this specification includes: that remaining sum calculates step, the corresponding intermediate account information of acquisition fund forwarding operation and pending financial management details incremental data, the business remaining sum of the fund forwarding operation is calculated according to the intermediate account information and the pending financial management details incremental data, the business remaining sum is the remaining sum of the fund forwarding operation under corresponding intermediate account after the current fund variation operation of the fund forwarding operation is performed；Checking step audits the business remaining sum, and when the business remaining sum is less than 0, audit failure is audited successfully when the business remaining sum is more than or equal to 0.
Description
Technical field
This specification is related to field of computer technology more particularly to a kind of intermediate account Fund Supervision method, system and sets
It is standby.
Background technique
In financial field, fund transfer is a kind of very common operation.Under certain application scenarios, fund transfer operation
It is not by the fund side of producing directly to fund recipient, but passes through intermediate account as intermediary, is transferred to civilian work in execution fund
Business.
With the development of economy, especially along with the application of e-commerce, fund forwarding operation is more and more common, executes
Frequency is also higher and higher.Consequent, intermediate account quantity, fund transfer operation total amount and single intermediate account fund turn
Shift frequency rate is also constantly soaring.
At the same time, scale executed along with fund forwarding operation, execute the continuous soaring of frequency, during fund transfer
Execution error rate be also continuously improved.Especially, with the continuous complication of financial system, the process of fund forwarding operation is complicated
Degree is also continuously improved, for example, single fund forwarding operation may be transferred to comprising more funds and/or more funds produce.This
The execution error rate during fund transfer is allowed for also to further increase.
In existing transaction system, the execution mistake during fund transfer is mainly transfer error, for example, when transferring accounts
Intermediate node mistake, number of transferring accounts mistake, sequencing mistake etc. of transferring accounts.For each fund forwarding operation of intermediate account
For, if the accumulating sum of outflow intermediate account is greater than the accumulating sum for flowing into intermediate account, money damage will be generated, causes to provide
It is golden open.In practical application scene, if money cannot be prevented to damage in time, the continuous expansion of fund opening will result in, thus
Thoroughly destroy lump-sum fund forwarding operation.Especially, in the prior art, an intermediate account is usually synchronous executes more funds
Forwarding operation.The money damage of single fund forwarding operation often expands to all fund forwarding operations under the intermediate account, from
And cause huge fund open.
Summary of the invention
In view of this, this specification embodiment provides a kind of intermediate account Fund Supervision method, system and equipment, it is used for
It monitors and flows into the fund situation not corresponding with outflow fund in fund forwarding operation implementation procedure in the prior art.
This specification embodiment adopts the following technical solutions:
This specification embodiment provides a kind of intermediate account Fund Supervision method, comprising:
Remaining sum calculates step, obtains the corresponding intermediate account information of fund forwarding operation and pending financial management details change
Data calculate the fund forwarding operation according to the intermediate account information and the pending financial management details incremental data
Business remaining sum, the business remaining sum are corresponding centre after the current fund variation operation of the fund forwarding operation is performed
The remaining sum of the fund forwarding operation under account；
Checking step audits the business remaining sum, when the business remaining sum is less than 0, audit failure, more than the business
When volume is more than or equal to 0, audit successfully.
In one embodiment of this specification, the functional module phase that the remaining sum calculates step and the checking step is executed
It is mutually independent.
In one embodiment of this specification, in the checking step:
When fund forwarding operation initiates to change operation for the fund of intermediate account, it is corresponding to confirm that the fund changes
Fund forwarding operation audits the fund and changes the business remaining sum for operating corresponding fund forwarding operation.
In one embodiment of this specification, the method also includes data to export step, in which:
In data output step, when fund forwarding operation initiates to change operation for the fund of intermediate account,
Actively export the corresponding intermediate account information of the fund forwarding operation and pending financial management details incremental data；
It is calculated in step in the remaining sum, receives the intermediate account information and the pending financial management details changing number
According to.
In one embodiment of this specification:
In data output step, the corresponding service identification of the fund forwarding operation is generated, when being transferred to civilian work in fund
When business is initiated to change operation for the fund of intermediate account, it is bright actively to export the intermediate account information, the pending account
Thin incremental data and the corresponding service identification.
In one embodiment of this specification, the functional module independence and the execution remaining sum of the data output step are executed
Calculate the functional module of step and the checking step.
In one embodiment of this specification, the method also includes business to execute step, and the business executes step and includes:
When fund forwarding operation initiates to change operation for the fund of intermediate account, the corresponding verification is being confirmed
The submission when auditing result of step without the fund forwarding operation；
When auditing failure in the checking step, without the submission of corresponding fund forwarding operation, rollback is corresponding
Fund forwarding operation；
When auditing successfully in the checking step, corresponding fund forwarding operation is submitted.
In one embodiment of this specification, executes the business and execute the functional module of step independently of the execution remaining sum
Calculate the functional module of step and the checking step.
This specification embodiment additionally provides a kind of intermediate account Fund Supervision system, comprising:
Remaining sum computing module, is used to obtain the corresponding intermediate account information of fund forwarding operation and pending account is bright
Thin incremental data calculates the fund transfer according to the intermediate account information and the pending financial management details incremental data
The business remaining sum of business, the business remaining sum are after the current fund variation operation of the fund forwarding operation is performed, to correspond to
Intermediate account under the fund forwarding operation remaining sum；
Module is checked, is used to audit the business remaining sum, when the business remaining sum is less than 0, audit failure, when described
When business remaining sum is more than or equal to 0, audit successfully.
In one embodiment of this specification, the system also includes:
Data outputting module is used for when fund forwarding operation initiates to change operation for the fund of intermediate account, main
Remaining sum computing module described in trend exports the corresponding intermediate account information of fund forwarding operation and pending financial management details
Incremental data.
In one embodiment of this specification, the data outputting module includes service identification generation unit, in which:
The service identification generation unit is for generating the corresponding service identification of the fund forwarding operation；
The data outputting module is used for when fund forwarding operation initiates to change operation for the fund of intermediate account, main
Remaining sum computing module described in trend exports the intermediate account information, the pending financial management details incremental data and corresponding
The service identification.
In one embodiment of this specification, the system also includes business execution module, the business execution module includes:
Business pause unit is used for when fund forwarding operation initiates to change operation for the fund of intermediate account,
It is confirmed to prevent the submission of the fund forwarding operation when auditing result of the verification module；
Business fusing unit, is used for when the verification module audits failure, without corresponding fund forwarding operation
Submission, the corresponding fund forwarding operation of rollback；
Business submits unit, is used to submit corresponding fund forwarding operation when the verification module is audited successfully.
This specification embodiment additionally provides a kind of equipment for handling in user equipment client information, which includes using
Memory in storage computer program instructions and processor for executing program instructions, wherein when the computer program refers to
When enabling by processor execution, triggers the equipment and execute method described in system described in this specification embodiment.
At least one above-mentioned technical solution that this specification embodiment uses can reach following the utility model has the advantages that according to this theory
The method of bright book embodiment can monitor the generation that mistake is executed in fund forwarding operation implementation procedure, thus to correct mistake
And/or rectifying error result is provided and is effectively supported；Compared to the prior art, method according to the invention it is possible to substantially reduce by
Money damage brought by the execution mistake occurred in fund forwarding operation implementation procedure.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen
Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:
Fig. 1 is the flow chart of the operation method of application program in one embodiment of this specification；
Fig. 2 and Fig. 4 is the flow chart of the part operation method of application program in this specification embodiment；
Fig. 3 and Fig. 5 is system operational process schematic diagram in this specification embodiment；
Fig. 6~9 are the structural block diagram of system in this specification embodiment.
Specific embodiment
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with the application specific embodiment and
Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application one
Section Example, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall in the protection scope of this application.
In existing transaction system, the execution mistake during fund transfer is mainly transfer error, for example, when transferring accounts
Intermediate node mistake, number of transferring accounts mistake, sequencing mistake etc. of transferring accounts.For each fund forwarding operation of intermediate account
For, if the accumulating sum of outflow intermediate account is greater than the accumulating sum for flowing into intermediate account, money damage will be generated, causes to provide
It is golden open.In practical application scene, if money cannot be prevented to damage in time, the continuous expansion of fund opening will result in, thus
Thoroughly destroy lump-sum fund forwarding operation.Especially, in the prior art, an intermediate account is usually synchronous executes more funds
Forwarding operation.The money damage of single fund forwarding operation often expands to all fund forwarding operations under the intermediate account, from
And cause huge fund open.
In view of the above-mentioned problems, this specification embodiment proposes a kind of intermediate account Fund Supervision method.In order to propose this theory
The method of bright book embodiment, inventor analyze the application scenarios of the prior art first.
In practical application scene, there are many occurrence cause of the execution mistake during fund transfer, if to avoid holding
The generation of row mistake, it is necessary to traverse each error reason and make targetedly solution, this, which certainly will be increased, avoids holding
The difficulty that row mistake occurs, improves the difficulty of implementation of solution.However, execution mistake during fund transfer occurs
When, one of the reason of causing significant damage, is that executing mistake cannot be always immediately noticed, this allows for that the execution can not be directed to
Mistake is timely and effectively corrected, to generate money damage or cause money to damage due to not remedying in time after money damage generates
Constantly expand.Therefore, it in one embodiment of this specification, in order to reduce money damage as far as possible, needs during fund transfer
Execution mistake occur when find the execution mistake in time, timely and effectively to be corrected or to be remedied.
Since there are many occurrence cause of the execution mistake during fund transfer, if monitoring all types of execution mistakes
Generation, it is necessary to traverse each error reason and make targetedly multiple monitoring schemes, this certainly will increase monitoring scheme
Building difficulty and difficulty of implementation.Therefore, the generation that mistake is executed for the ease of monitoring, in one embodiment of this specification,
Start with from consequence brought by mistake is executed.Since the execution mistake during fund transfer is mainly transfer error, and for
For intermediate account, the final bring consequence of transfer error is often that fund flows into the mismatch flowed out with fund.Therefore, as long as
A set of supervision scheme is constructed, intermediate account is supervised, monitors whether its inflow fund matches with outflow fund, if
Mismatch then illustrates execution mistake occurred.
Further, in practical application scene, an intermediate account often carries out in multiple and different funds simultaneously
It is transferred to civilian work business, when multiple fund forwarding operations transfer error occur, due to may between different fund forwarding operations
Formation fund is complementary, then, generally for intermediate account, inflow fund and outflow fund may can't be embodied not
The case where matching.For this case, in this specification embodiment, when supervising the fund state of intermediate account, it is not
Inflow fund and outflow fund for intermediate account entirety are supervised, but respectively for each fund under the account
The fund of forwarding operation flows into and fund outflow is supervised.
Further, in practical application scene, a fund forwarding operation can include the outflow of more funds and fund
Operation is flowed into, along with an intermediate account often carries out multiple and different fund forwarding operations simultaneously, this allows for centre
The fund inflow/outflow of account is very frequent, if targetedly supervised to every fund inflow/outflow, that is bound to
Consume the data processing resources of flood tide.However, being that determining fund flows into for the final purpose that fund inflow/outflow is supervised
Whether matched with fund outflow, specifically, mainly whether the outflow of confirmation fund is greater than fund and flows into actual scene, and
It is that not will cause money damage that fund, which was flowed into greater than the case where fund outflow,.Therefore, in this specification embodiment, for intermediate account
The supervised entities of the Fund Supervision at family are the final result that fund flows into fund outflow under every fund forwarding operation, i.e. business
Remaining sum (fund inflow-fund outflow).If business remaining sum less than 0, illustrates occur executing mistake.
According to the method for this specification embodiment, the hair that mistake is executed in fund forwarding operation implementation procedure can be monitored
It is raw, thus to correct mistake and/or rectifying error result provides effective support；Compared to the prior art, side according to the present invention
Method can substantially reduce and provide damage as brought by the execution mistake occurred in fund forwarding operation implementation procedure.
Below in conjunction with attached drawing, the technical solution that each embodiment of this specification provides is described in detail.
In one embodiment of this specification, as shown in Figure 1, method includes:
Remaining sum calculates step (S110), obtains the corresponding intermediate account information of fund forwarding operation and pending account is bright
Thin incremental data (S111) calculates fund forwarding operation according to intermediate account information and pending financial management details incremental data
Business remaining sum (S112), business remaining sum are corresponding intermediate account after the current fund variation operation of fund forwarding operation is performed
The remaining sum of the fund forwarding operation under family；
Checking step (S120), (S121 determines business remaining sum whether less than 0), when business remaining sum is small to audit business remaining sum
When 0, audit failure (S122) audits successfully (S123) when business remaining sum is more than or equal to 0.
In this manner it is possible to carry out subsequent operation according to auditing result.For example, working as audit in one embodiment of this specification
When success, determination is not carried out mistake, continues to execute subsequent operation；When auditing failure, determines and occur executing mistake, lookup is held
Row mistake simultaneously makes and accordingly corrects and/or remedy.
Specifically, in one embodiment of this specification, when fund forwarding operation initiates to shift for the fund of intermediate account
It when operation, is immediately performed remaining sum and calculates step, it is ensured that final calculated result (business remaining sum) and current fund forwarding operation
Implementation progress exact matching.
Further, it in one embodiment of this specification, calculates in step, is calculated using the following equation more than business in remaining sum
Volume.
Yn=Yn-1+ I-O, (1)
Y=Yn-1+I1+I2+…+In-O1-O2-…-On。(2)
In formula 1, YnFor fund forwarding operation n-th day remaining sum baseline, the whole day stream that I is fund forwarding operation n-th day
Enter the amount of money, O is that n-th day whole day of fund forwarding operation flows out the amount of money.
In formula 2, Yn-1For fund forwarding operation (n-1)th day remaining sum baseline, IaIt is fund forwarding operation n-th day a
Inflow fund, ObFor n-th day b outflow fund of fund forwarding operation, Y is that n-th day a fund of fund forwarding operation flows into
Or the business remaining sum after the outflow of b fund.
Further, in one embodiment of this specification, in order to reduce system resources consumption, in checking step, not
It is that unremitting audit is carried out to business remaining sum.Specifically, in one embodiment, when fund forwarding operation initiates to be directed to intermediate account
When the fund at family changes operation, confirmation fund changes corresponding fund forwarding operation, and audit fund, which changes, operates corresponding fund
The business remaining sum of forwarding operation.
As shown in Fig. 2, in one embodiment of this specification, in checking step:
S210 judges whether there is fund forwarding operation and initiates to change operation for the fund of intermediate account；
If it does not, return step S210, continues to monitor；
If it does, S220, determines the fund forwarding operation for initiating to change operation for the fund of intermediate account；
S230 audits the business remaining sum of fund forwarding operation determined by step S220, whether audits it less than 0.
Further, it in one embodiment of this specification, in order to improve safety, executes remaining sum and calculates step and verification
The functional module of step is mutually indepedent.That is, the functional module for executing remaining sum calculating step is only responsible for calculating business remaining sum, not to industry
The specific value of business remaining sum further determines verification.The not responsible remaining sum of functional module for executing checking step calculates, and is only responsible for
It obtains final remaining sum calculated result and remaining sum calculated result is checked.In this way, executing the function mould that remaining sum calculates step
Block is isolated with external world's holding, and the functional module for executing checking step will not relate to intermediate account information and pending financial management details
The acquisition of incremental data and remaining sum calculate.Even if there is mistake in the functional module for executing checking step, it is also not possible to interfere with
Execute the operation that remaining sum calculates the functional module of step.Third party can only obtain audit through the functional module for executing checking step
As a result, or it is further obtain business remaining sum, and the calculated result of business remaining sum can not be influenced, unlikely obtain intermediate account
Family information and pending financial management details incremental data.
Specifically, using two can construct respectively with independently operated hardware system in one embodiment of this specification and holding
Row remaining sum calculates the functional module of step and checking step.
What needs to be explained here is that executing remaining sum in the description of this specification embodiment and calculating step and verification step
The independence for independently referring to that two module operation processes are mutual of rapid functional module.It includes but be not limited to be respectively adopted
Two independently operated hardware systems construct the technical solution of two functional modules respectively.It, can be in this specification embodiment
According to actual needs, remaining sum being executed respectively using two independent hardware systems and calculating step and checking step, the two are hard
Part system does not execute other operations；Alternatively, in two independent hardware systems respectively construction execute remaining sum calculate step and
The functional module of checking step, the two hardware systems also execute other operations simultaneously；Alternatively, using an independent hardware system
System executes remaining sum calculating step or checking step, the hardware system do not execute other operations, in another independent hardware system
Middle construction executes checking step or remaining sum calculates the functional module of step, which is performed simultaneously other operations；Alternatively,
Two functional modules are constructed in one independent hardware system, are executed remaining sum respectively and are calculated step and checking step, two function
Energy module is mutually indepedent, and operation will not interfere with each other.
Further, in one embodiment of this specification, step is calculated in order to guarantee data security and execute remaining sum
The relative independentability of functional module calculates in step in remaining sum, is not that actively acquisition obtains intermediate account information and pending
Core financial management details incremental data.Specifically, method further includes data output step in one embodiment of this specification, in which:
In data output step, when fund forwarding operation initiates to change operation for the fund of intermediate account, actively
The corresponding intermediate account information of finance of export forwarding operation and pending financial management details incremental data；
It is calculated in step in remaining sum, receives intermediate account information and pending financial management details incremental data.
In this way, execute remaining sum calculate step functional module there is no need to have actively access intermediate account information and to
Audit the interface of financial management details incremental data, it is only necessary to have data receiver interface.Both it can guarantee that executing remaining sum calculates step
The independence of rapid functional module, it is ensured that data safety, and can guarantee when fund forwarding operation initiates the money for being directed to intermediate account
When gold changes operation, corresponding intermediate account information and pending financial management details incremental data can enter remaining sum meter at the first time
Link is calculated, data is avoided to omit.
Further, in this specification embodiment, it is single fund forwarding operation that remaining sum, which calculates corresponding, this is just needed really
Recognize each fund inflow and fund flows out corresponding fund forwarding operation.However, since fund forwarding operation is numerous, information
Stream and cash flow are intricate, and the incidence relation of business dimension can be often lost in upstream and downstream data, that is, can not confirm current
Fund inflow/corresponding fund the forwarding operation of fund outflow.
For above situation, in one embodiment of this specification, calculated in step and/or checking step in remaining sum, it can be with
Spliced according to the relevant field of intermediate account information, financial management details incremental data, convert acquisition traffic ID, but many feelings
This relationship can be lost under condition.Therefore, further, in one embodiment of this specification, using being transferred to civilian work in leading addition fund
The method of the service identification of business.
Specifically, in data output step, generating the corresponding industry of fund forwarding operation in one embodiment of this specification
Business mark, when fund forwarding operation initiate for intermediate account fund change operation when, actively export intermediate account information, to
Audit financial management details incremental data and corresponding service identification.
Further, in one embodiment of this specification, in order to improve safety, the function mould of data output step is executed
The independent functional module that step and checking step are calculated with execution remaining sum of block.That is, executing the functional module of data output step
Both not responsible calculating business remaining sum, does not also further determine verification to the specific value of business remaining sum.In this way, it is ensured that industry
The calculating for remaining sum of being engaged in and the relative independentability appraised and decided.
What needs to be explained here is that executing the functional module of data output step in the description of this specification embodiment
The independent functional module that step and checking step are calculated with execution remaining sum.It includes but be not limited to using an independent operating
Hardware system execute data and export step, which does not execute remaining sum and calculates step and checking step.In this explanation
In book embodiment, can data be executed using an independently operated hardware system and export step, the hardware according to actual needs
System does not execute remaining sum and calculates step and checking step but can be realized simultaneously other function operation；Alternatively, more than the execution
Volume calculates construction in the hardware system of step or checking step and executes the functional module of data output step, as long as ensuring to execute number
According to the independent functional module for calculating step and checking step with execution remaining sum of the functional module of output step.
Specifically, using three can construct respectively with independently operated hardware system in one embodiment of this specification and holding
Row data export step, remaining sum calculates the functional module of step and checking step.
Specifically, as shown in figure 3, in one embodiment of this specification, operation system 301, financial system 302 and verification
System 303 is 3 mutually independent hardware systems, in which:
When fund forwarding operation initiates to change operation for the fund of intermediate account, operation system 301 executes step
S310 actively exports intermediate account information, pending financial management details incremental data and corresponding service identification；Financial system
302 receive intermediate account information, pending financial management details incremental data and corresponding service identification (S321), more than calculating business
Volume (S322)；Whether check system 303 audits business remaining sum less than 0 (S330).
Further, in certain practical application scenes, the execution of fund forwarding operation takes business submission-fund to transfer accounts
Mode first have to shift execution module to fund and submit corresponding fund forwarding operation, so that is, before carrying out fund transfer
Corresponding fund transfer operation is carried out by fund transfer execution module afterwards.That is, if being sent out during fund forwarding operation
Execution mistake is given birth to, caused result is likely to be to be submitted to the fund forwarding operation of fund transfer execution module to ask
Topic.If the fund forwarding operation that can prevent problem is submitted to fund transfer execution module, the fund of mistake turns
Moving operation would not execute, and money damage would not also generate.
Therefore, in one embodiment of this specification, mistake is executed in the process in order to reduce fund forwarding operation as far as possible
Bring money damage when generation, method further include that business executes step, and business executes step and includes:
When fund forwarding operation initiates to change operation for the fund of intermediate account, the corresponding verification is being confirmed
The submission when auditing result of step without the fund forwarding operation；
When auditing failure in checking step, without the submission of corresponding fund forwarding operation, the corresponding fund of rollback
Forwarding operation；
When auditing successfully in checking step, corresponding fund forwarding operation is submitted.
Specifically, the corresponding fund forwarding operation of rollback refers to be transferred to civilian work in fund in one embodiment of this specification
The carry out state of business, which is return back to, to be initiated to change the state before operation for the fund of intermediate account, redefines what needs were initiated
Fund changes the fund variation operation for operating and re-initiating for intermediate account.
Specifically, as shown in figure 4, in one embodiment of this specification:
S410, judges whether fund forwarding operation initiates to change operation for the fund of intermediate account；
If not, return step S410 continues to monitor；
If so, S420, judges whether the auditing result for receiving checking step；
If not, return step S420, waits the feedback of pending step；
If so, S430, parses the auditing result of checking step；
If auditing result is to audit successfully, S440 submits corresponding fund forwarding operation；
If auditing result is audit failure, S450, without the submission of corresponding fund forwarding operation, rollback is corresponding
Fund forwarding operation.
Further, in one embodiment of this specification, in order to improve safety, the function mould that business executes step is executed
The independent functional module that step and checking step are calculated with execution remaining sum of block.That is, the business of execution executes the functional module of step
Both not responsible calculating business remaining sum, does not also further determine verification to the specific value of business remaining sum.In this way, it is ensured that industry
The calculating for remaining sum of being engaged in and the relative independentability appraised and decided.
What needs to be explained here is that executing the functional module that business executes step in the description of this specification embodiment
The independent functional module that step and checking step are calculated with execution remaining sum.It includes but be not limited to using an independent operating
Hardware system execute business and execute step, which does not execute remaining sum and calculates step and checking step.In this explanation
In book embodiment, can business be executed using an independently operated hardware system and execute step, the hardware according to actual needs
System does not execute remaining sum and calculates step and checking step but can be realized simultaneously other function operation；Alternatively, more than the execution
Volume calculates construction execution business in the hardware system of step or checking step and executes the functional module of step, as long as ensuring to execute industry
Business executes the independent functional module that step and checking step are calculated with execution remaining sum of functional module of step.
Specifically, using three can construct respectively with independently operated hardware system in one embodiment of this specification and holding
Industry business executes step, remaining sum calculates the functional module of step and checking step.
Further, in one embodiment of this specification, in same hardware system construction execute data output step with
And business executes step.
Specifically, as shown in figure 5, in one embodiment of this specification, operation system 501, financial system 502 and verification
System 503 is 3 mutually independent hardware systems, in which:
When fund forwarding operation initiates to change operation for the fund of intermediate account, operation system 501 executes step
S510 actively exports intermediate account information, pending financial management details incremental data and corresponding service identification；Financial system
502 receive intermediate account information, pending financial management details incremental data and corresponding service identification (S521), more than calculating business
Volume (S522)；Check system 503 audits whether business remaining sum less than 0 and by auditing result feeds back to operation system 501 (S530)；
Submission of the operation system 501 before the auditing result for receiving check system 503 without fund forwarding operation；If verification
The auditing result that system 503 is fed back is to audit successfully, and operation system 500 carries out the submission (S541) of fund forwarding operation；If
The auditing result that check system 503 is fed back is audit failure, 500 rollback fund forwarding operation (S542) of operation system.
Further, the method based on this specification embodiment, this specification embodiment also proposed a kind of intermediate account
Fund Supervision system.Specifically, as shown in fig. 6, system includes: in one embodiment of this specification
Remaining sum computing module 610 is used to obtain the corresponding intermediate account information of fund forwarding operation and pending account
Business detail incremental data calculates the industry of fund forwarding operation according to intermediate account information and pending financial management details incremental data
Business remaining sum, business remaining sum are fund under corresponding intermediate account after the current fund variation operation of fund forwarding operation is performed
The remaining sum of forwarding operation；
Module 620 is checked, is used to audit business remaining sum, when business remaining sum is less than 0, audit failure, when business remaining sum
When more than or equal to 0, audit successfully.
Further, as shown in fig. 7, in one embodiment of this specification, system further include:
Data outputting module 730 is used for when fund forwarding operation initiates to change operation for the fund of intermediate account,
Actively changed to the corresponding intermediate account information of 710 finance of export forwarding operation of remaining sum computing module and pending financial management details
Data.
Further, as shown in figure 8, in one embodiment of this specification, data outputting module 830 is raw including service identification
At unit 831, in which:
Service identification generation unit 831 is for generating the corresponding service identification of fund forwarding operation；
Data outputting module 830 is used for when fund forwarding operation initiates to change operation for the fund of intermediate account, main
Trend remaining sum computing module 810 exports intermediate account information, pending financial management details incremental data and corresponding service identification.
Further, as shown in figure 9, in one embodiment of this specification, system further includes business execution module 940, industry
Business execution module 940 is used for:
When fund forwarding operation initiates to change operation for the fund of intermediate account, in the audit of verification module unconfirmed
The submission of fund forwarding operation is prevented when as a result；
When checking module audit failure, without the submission of corresponding fund forwarding operation, in the corresponding fund of rollback
It is transferred to civilian work business；
When verification module is audited successfully, corresponding fund forwarding operation is submitted.
Further, in one embodiment of this specification, operation system, financial system and check system are three mutual
Independent hardware system constructs data outputting module and business execution module in operation system, constructs in financial system
Remaining sum computing module, the construction verification module in check system.
Further, based on method of the invention, the invention also provides one kind in the processing of user equipment client information
Equipment, which includes the memory for storing computer program instructions and the processor for executing program instructions,
In, when the computer program instructions are executed by the processor, triggers the equipment and execute method of the present invention.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker
Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
The hardware circuit for realizing the logical method process can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can
Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller
Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited
Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to
Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic
Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc.
Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it
The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions
For either the software module of implementation method can be the structure in hardware component again.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each unit can be realized in the same or multiple software and or hardware when application.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program
Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group
Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by
Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with
In the local and remote computer storage media including storage equipment.
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.
The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art
For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal
Replacement, improvement etc., should be included within the scope of the claims of this application.
Claims (13)
1. a kind of intermediate account Fund Supervision method, comprising:
Remaining sum calculates step, obtains the corresponding intermediate account information of fund forwarding operation and pending financial management details changing number
According to calculating the industry of the fund forwarding operation according to the intermediate account information and the pending financial management details incremental data
Business remaining sum, the business remaining sum are corresponding intermediate account after the current fund variation operation of the fund forwarding operation is performed
The remaining sum of the fund forwarding operation under family；
Checking step audits the business remaining sum, when the business remaining sum is less than 0, audit failure, when the business remaining sum is big
When being equal to 0, audit successfully.
2. according to the method described in claim 1, executing the functional module that the remaining sum calculates step and the checking step
Independently of each other.
3. method according to claim 1 or 2, in the checking step:
When fund forwarding operation initiates to change operation for the fund of intermediate account, confirm that the fund changes corresponding fund
Forwarding operation audits the fund and changes the business remaining sum for operating corresponding fund forwarding operation.
4. method described in any one of claim 1 to 3, the method also includes data to export step, in which:
In data output step, when fund forwarding operation initiates to change operation for the fund of intermediate account, actively
Export the corresponding intermediate account information of the fund forwarding operation and pending financial management details incremental data；
It is calculated in step in the remaining sum, receives the intermediate account information and the pending financial management details incremental data.
5. according to the method described in claim 4, in data output step:
The corresponding service identification of the fund forwarding operation is generated, when fund forwarding operation initiates to become for the fund of intermediate account
When dynamic operation, the intermediate account information, the pending financial management details incremental data and the corresponding industry are actively exported
Business mark.
6. method according to claim 4 or 5 executes the functional module of the data output step independently and described in execution
Remaining sum calculates the functional module of step and the checking step.
7. method described according to claim 1~any one of 6, the method also includes business to execute step, the business
Executing step includes:
When fund forwarding operation initiates to change operation for the fund of intermediate account, the corresponding checking step is being confirmed
Auditing result when submission without the fund forwarding operation；
When auditing failure in the checking step, without the submission of corresponding fund forwarding operation, the corresponding fund of rollback
Forwarding operation；
When auditing successfully in the checking step, corresponding fund forwarding operation is submitted.
8. according to the method described in claim 7, the functional module for executing the business execution step is described remaining independently of executing
Volume calculates the functional module of step and the checking step.
9. a kind of intermediate account Fund Supervision system, comprising:
Remaining sum computing module, is used to obtain the corresponding intermediate account information of fund forwarding operation and pending financial management details become
Dynamic data calculate the fund forwarding operation according to the intermediate account information and the pending financial management details incremental data
Business remaining sum, the business remaining sum is that the current fund of the fund forwarding operation changes after operation is performed, it is corresponding in
Between under account the fund forwarding operation remaining sum；
Module is checked, is used to audit the business remaining sum, when the business remaining sum is less than 0, audit failure, when the business
When remaining sum is more than or equal to 0, audit successfully.
10. system according to claim 9, the system also includes:
Data outputting module, be used for when fund forwarding operation initiate for intermediate account fund change operation when, actively to
The remaining sum computing module exports the corresponding intermediate account information of fund forwarding operation and pending financial management details change
Data.
11. system according to claim 10, the data outputting module includes service identification generation unit, in which:
The service identification generation unit is for generating the corresponding service identification of the fund forwarding operation；
The data outputting module be used for when fund forwarding operation initiate for intermediate account fund change operation when, actively to
The remaining sum computing module exports the intermediate account information, the pending financial management details incremental data and corresponding described
Service identification.
12. according to the described in any item systems of claim 9~12, the system also includes business execution module, the business
Execution module includes:
Business pause unit is used for when fund forwarding operation initiates to change operation for the fund of intermediate account, not true
The submission of the fund forwarding operation is prevented when recognizing the auditing result of the verification module；
Business fusing unit, is used for when the verification module audits failure, without mentioning for corresponding fund forwarding operation
It hands over, the corresponding fund forwarding operation of rollback；
Business submits unit, is used to submit corresponding fund forwarding operation when the verification module is audited successfully.
13. a kind of equipment for handling in user equipment client information, the equipment include for storing computer program instructions
Memory and processor for executing program instructions, wherein when the computer program instructions are executed by the processor, triggering
Method described in any one of equipment perform claim requirement 1 to 8.
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|---|---|---|---|
| CN202311467931.8A CN117575583A (en) | 2019-04-26 | 2019-04-26 | Intermediate account fund supervision method, system and equipment |
| CN201910343810.XA CN110175832B (en) | 2019-04-26 | 2019-04-26 | Intermediate account fund supervision method, system and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910343810.XA CN110175832B (en) | 2019-04-26 | 2019-04-26 | Intermediate account fund supervision method, system and equipment |
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| CN201910343810.XA Active CN110175832B (en) | 2019-04-26 | 2019-04-26 | Intermediate account fund supervision method, system and equipment |
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| CN117575583A (en) | 2024-02-20 |
| CN110175832B (en) | 2023-11-14 |
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