CN110428323A - Excess reserve allots method, apparatus and computer equipment - Google Patents
Excess reserve allots method, apparatus and computer equipment Download PDFInfo
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- CN110428323A CN110428323A CN201910666780.6A CN201910666780A CN110428323A CN 110428323 A CN110428323 A CN 110428323A CN 201910666780 A CN201910666780 A CN 201910666780A CN 110428323 A CN110428323 A CN 110428323A
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Abstract
The present invention proposes that a kind of excess reserve allots method, apparatus and computer equipment, this method includes the runout information of determining target excess reserve account, runout information, the difference status that amount can be used between each target excess reserve account is described, institute's target excess reserve account, for the excess reserve account in objective management level；According to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy, it can be effectively reduced the complexity that excess reserve is alloted between excess reserve account, so that highly efficient and convenient to the management of multiple excess reserve accounts, the efficiency that excess reserve between multiple excess reserve accounts is alloted is promoted.
Description
Technical field
The present invention relates to clearance technical fields more particularly to a kind of excess reserve to allot method, apparatus and computer equipment.
Background technique
In the actual application of clearance platform, it is generally adopted by the system of account of discrete type, that is, in multiple clearances
Center constructs the account of multi-layer respectively, for example, being directed to some payment mechanism, the account provided with multi-layer, so that the branch
The excess reserve for paying mechanism can be stored in a distributed manner in accounts at different levels.
In the related technology, it is connected with each other between different excess reserve accounts, directly reads that between each excess reserve account
This account excess reserve information (account excess reserve information be, for example, available amount etc.), then, each excess reserve account is according to being read
The account excess reserve information taken carries out alloting for excess reserve in corresponding excess reserve account.
Under this mode, with the increase of excess reserve account quantity, the mutual connection quantity of each excess reserve account is in
The increase of existing geometry grade will lead to the complexity that excess reserve is alloted between each excess reserve account and increase at geometry grade, for multiple
Alloting for excess reserve account excess reserve is complex, allots inefficient.
Summary of the invention
The present invention is directed to solve at least some of the technical problems in related technologies.
For this purpose, an object of the present invention is to provide a kind of excess reserves to allot method, apparatus and computer equipment, it can
The complexity that excess reserve is alloted between excess reserve account is effectively reduced so that it is highly efficient to the management of multiple excess reserve accounts and
It is convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
In order to achieve the above objectives, the excess reserve that first aspect present invention embodiment proposes allots method, and it is flat to be applied to clearance
In platform, in the clearance platform, for target payment mechanism, multiple excess reserve accounts configured with different management levels, respectively
The excess reserve account is stored with the excess reserve of the target payment mechanism, this method comprises: determining target excess reserve account
Runout information, the runout information describe the difference status that amount can be used between each target excess reserve account, the target
Excess reserve account, for the excess reserve account in objective management level；According to the runout information, in conjunction with preset strategy to each institute
The excess reserve stated between target excess reserve account is alloted.
The excess reserve that first aspect present invention embodiment proposes allots method, by the deviation for determining target excess reserve account
Information, wherein runout information is used to describe between each target excess reserve account that the difference status of amount, target excess reserve account can be used
Family, for the excess reserve account in objective management level, and according to runout information, in conjunction with preset strategy to each target excess reserve account
Excess reserve between family is alloted, due to being in conjunction with the difference status that can use amount between each target excess reserve account, to each
What the excess reserve between target excess reserve account was unified allots, and is not limited by between multiple target excess reserve accounts and connects
Quantity therefore can be effectively reduced the complexity that excess reserve is alloted between excess reserve account so as to multiple excess reserve accounts
Management it is highly efficient and convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
In order to achieve the above objectives, the excess reserve that second aspect of the present invention embodiment proposes allots device, and it is flat to be applied to clearance
In platform, in the clearance platform, for target payment mechanism, multiple excess reserve accounts configured with different management levels, respectively
The excess reserve account is stored with the excess reserve of the target payment mechanism, which comprises determining that module, for determining target
The runout information of excess reserve account, the runout information describe the difference that amount can be used between each target excess reserve account
State, the target excess reserve account, for the excess reserve account in objective management level；Module is alloted, for according to
Runout information allots the excess reserve between each target excess reserve account in conjunction with preset strategy.
The excess reserve that second aspect of the present invention embodiment proposes allots device, by the deviation for determining target excess reserve account
Information, wherein runout information is used to describe between each target excess reserve account that the difference status of amount, target excess reserve account can be used
Family, for the excess reserve account in objective management level, and according to runout information, in conjunction with preset strategy to each target excess reserve account
Excess reserve between family is alloted, due to being in conjunction with the difference status that can use amount between each target excess reserve account, to each
What the excess reserve between target excess reserve account was unified allots, and is not limited by between multiple target excess reserve accounts and connects
Quantity therefore can be effectively reduced the complexity that excess reserve is alloted between excess reserve account so as to multiple excess reserve accounts
Management it is highly efficient and convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
In order to achieve the above objectives, the non-transitorycomputer readable storage medium that third aspect present invention embodiment proposes,
When the instruction in the storage medium is performed by the processor of terminal, enable the terminal to execute a kind of excess reserve side of alloting
Method, which comprises determine that the runout information of target excess reserve account, the runout information describe each target provision
The difference status of amount, the target excess reserve account, for the excess reserve account in objective management level can be used between golden account
Family；According to the runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
The non-transitorycomputer readable storage medium that third aspect present invention embodiment proposes, by determining target provision
The runout information of golden account, wherein runout information is used to describe between each target excess reserve account that the difference status of amount can be used,
Target excess reserve account, for the excess reserve account in objective management level, and according to runout information, in conjunction with preset strategy to each
Excess reserve between target excess reserve account is alloted, due to being in conjunction with the difference that can use amount between each target excess reserve account
Metachromatic state is alloted to what the excess reserve between each target excess reserve account was unified, is not limited by multiple target excess reserves
Therefore the quantity connected between account can be effectively reduced the complexity that excess reserve is alloted between excess reserve account, so as to more
The management of a excess reserve account is highly efficient and convenient, promotes the efficiency that excess reserve between multiple excess reserve accounts is alloted.
In order to achieve the above objectives, the computer program product that fourth aspect present invention embodiment proposes, when the computer
It when instruction in program product is executed by processor, executes a kind of excess reserve and allots method, be applied in clearance platform, described
It clears in platform, for target payment mechanism, multiple excess reserve accounts configured with different management levels, each excess reserve account
Family is stored with the excess reserve of the target payment mechanism, which comprises determines the runout information of target excess reserve account, institute
Runout information is stated, describes that the difference status of amount can be used between each target excess reserve account, the target excess reserve account,
For the excess reserve account in objective management level；According to the runout information, in conjunction with preset strategy to each target provision
Excess reserve between golden account is alloted.
The computer program product that fourth aspect present invention embodiment proposes, by the deviation for determining target excess reserve account
Information, wherein runout information is used to describe between each target excess reserve account that the difference status of amount, target excess reserve account can be used
Family, for the excess reserve account in objective management level, and according to runout information, in conjunction with preset strategy to each target excess reserve account
Excess reserve between family is alloted, due to being in conjunction with the difference status that can use amount between each target excess reserve account, to each
What the excess reserve between target excess reserve account was unified allots, and is not limited by between multiple target excess reserve accounts and connects
Quantity therefore can be effectively reduced the complexity that excess reserve is alloted between excess reserve account so as to multiple excess reserve accounts
Management it is highly efficient and convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
In order to achieve the above objectives, fifth aspect present invention embodiment also proposes a kind of computer equipment, the computer equipment
Including shell, processor, memory, circuit board and power circuit, wherein the circuit board is placed in the sky that the shell surrounds
Between it is internal, the processor and the memory are arranged on the circuit board；The power circuit, for being the computer
The each circuit or device of equipment are powered；The memory is for storing executable program code；The processor passes through reading
The executable program code stored in the memory runs program corresponding with the executable program code, for holding
Row: determine that the runout information of target excess reserve account, the runout information describe to use between each target excess reserve account
The difference status of amount, the target excess reserve account, for the excess reserve account in objective management level；According to the deviation
Information allots the excess reserve between each target excess reserve account in conjunction with preset strategy.
Fifth aspect present invention embodiment also proposes a kind of computer equipment, by the deviation for determining target excess reserve account
Information, wherein runout information is used to describe between each target excess reserve account that the difference status of amount, target excess reserve account can be used
Family, for the excess reserve account in objective management level, and according to runout information, in conjunction with preset strategy to each target excess reserve account
Excess reserve between family is alloted, due to being in conjunction with the difference status that can use amount between each target excess reserve account, to each
What the excess reserve between target excess reserve account was unified allots, and is not limited by between multiple target excess reserve accounts and connects
Quantity therefore can be effectively reduced the complexity that excess reserve is alloted between excess reserve account so as to multiple excess reserve accounts
Management it is highly efficient and convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partially become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is the flow diagram for the method that one embodiment of the invention proposes；
Fig. 2 is system of account configuration diagram in the embodiment of the present invention；
Fig. 3 is the flow diagram that the excess reserve that another embodiment of the present invention proposes allots method；
Fig. 4 is the structural schematic diagram that the excess reserve that one embodiment of the invention proposes allots device；
Fig. 5 is the structural schematic diagram that the excess reserve that another embodiment of the present invention proposes allots device；
Fig. 6 is the structural schematic diagram for the computer equipment that one embodiment of the invention proposes.
Specific embodiment
The embodiment of the present invention is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end
Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached
The embodiment of figure description is exemplary, and for explaining only the invention, and is not considered as limiting the invention.On the contrary, this
The embodiment of invention includes all changes fallen within the scope of the spiritual and intension of attached claims, modification and is equal
Object.
Fig. 1 is the flow diagram that the excess reserve that one embodiment of the invention proposes allots method.
The present embodiment, which in the excess reserve method of alloting is configured in excess reserve, to be alloted in device and illustrates.
The excess reserve method of alloting in the present embodiment can be configured in excess reserve and allot in device, and excess reserve allots device
It can be set in the server, or also can be set in the electronic device, it is without limitation.
The present embodiment is by taking the excess reserve method of alloting is configured in the electronic device as an example.
Wherein, electronic equipment is, for example, PC, cloud device or mobile device, and mobile device can be intelligent hand
Machine or tablet computer etc..
It should be noted that the executing subject of the embodiment of the present invention, can be server or electronic equipment on hardware
In central processing unit, can be the relevant background service in server or electronic equipment on software, this is not limited
System.
The excess reserve of the embodiment of the present invention allots method, is applied in clearance platform, in clearance platform, for target branch
Mechanism, multiple excess reserve accounts configured with different management levels are paid, each excess reserve account is stored with the standby of target payment mechanism
Fu Jin.
Wherein, target payment mechanism can initiate for non-banking payment mechanism, but be related to the network payment of bank account
Mechanism, target payment mechanism can be, for example, Alipay, alternatively, wechat payment etc., with no restriction to this.
Referring to Fig. 1, this method comprises:
S101: the runout information of target excess reserve account is determined, runout information, describing can between each target excess reserve account
With the difference status of amount, target excess reserve account, for the excess reserve account in objective management level.
Wherein, objective management level is one management level in multiple management levels.
In some embodiments, for target payment mechanism, multiple excess reserve accounts of multiple management levels can be configured with,
Each excess reserve account is stored with the excess reserve of target payment mechanism, multiple management levels can be, for example, three or three with
On, to realize that the excess reserve to target payment mechanism carries out distributed storage management.
And in the embodiment of the present invention, it can preferably multiple management levels be two, specifically, two management levels can be with
It include: centralized management platform level and data depositary management reason center level, centralized management platform level is higher than data base administration center
Level, objective management level are data base administration center level, wherein centralized management platform level is higher than in data base administration
Central layer grade can refer to the administration authority of centralized management platform level, right higher than the administration authority of data base administration center level
This is with no restriction.
When preferred multiple management levels are two, two management levels may include: centralized management platform level and
When the level of data base administration center, can be realized geographically should by the excess reserve account management of data base administration center level
All sub- accounts in region, and pass through the standby of the excess reserve account management data base administration center level of centralized management platform level
Golden account is paid, realization collecting and managing to what the information of multiple excess reserve accounts was unified, and will not promote answering for management
Miscellaneous degree, so that more clear to the management of multiple excess reserve accounts, efficient and convenient.
When preferred multiple management levels are two, two management levels may include: centralized management platform level and
When the level of data base administration center, referring to fig. 2, Fig. 2 is system of account configuration diagram in the embodiment of the present invention, account system
Framework is specially three-level system of account framework, wherein the account in three-level system of account framework is divided to different management level
In grade, for example, multiple excess reserve accounts are divided to data base administration center level, it is divided to data base administration center level
Excess reserve account can be referred to as (Internet Data Center, IDC) Internet data center's account 21, in IDC account
The excess reserve account of one centralized management platform level is set on 21, which can be referred to as platform class main account
22。
Target excess reserve account in the embodiment of the present invention is the provision of data base administration center shown in Fig. 2 level
Golden account, it is to be understood that the quantity of target excess reserve account be it is multiple, relative in the related technology in multiple target provisions
Between golden account establish access connection is alloted with carrying out excess reserve, be in the embodiment of the present invention multiple target excess reserve accounts it
On establish a platform class main account, unified by excess reserve of the platform class main account to multiple target excess reserve accounts
It allots, it is thus achieved that unified allots management.
In the embodiment of the present invention, unification is being carried out to the excess reserve of multiple target excess reserve accounts using platform class main account
When alloting, be the runout information of determining each target excess reserve account, which describes between each target excess reserve account
The difference status of amount can be used, the difference status that can use amount between each target excess reserve account is thus combined, it is standby to each target
That pays that the excess reserve between golden account unified allots.
Runout information therein can be, for example, irrelevance and deviation value, and the irrelevance and deviation value can be used for describing
The difference status that amount can be used between each target excess reserve account, alternatively, runout information can be, for example, that other can be used in retouching
The index in the mathematics of the difference status of amount can be used between each target excess reserve account by stating, with no restriction to this.
S102: according to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
Preset strategy therein can be the preset strategy alloted to excess reserve, specifically can be according to clear
The actual service application demand of platform is calculated to be set, alternatively, be also possible to be set by the factory program of clearance platform, it is right
This is with no restriction.
Preset strategy can be, for example, according to runout information, in multiple target excess reserve accounts, and the provision of part account
Gold carries out collection of putting together accordingly, and excess reserve is issued in other accounts, or, or some other can be realized
The management strategy efficiently alloted, with no restriction to this.
In some embodiments, runout information is being used, in conjunction with preset strategy to the provision between each target excess reserve account
When gold is alloted, can be will deviate from one mathematical model of input of difference status described in information, which can
With it is preparatory study to the current matched preset strategy of difference status, then, analyze mathematical model output obtain it is matched
Preset strategy allots the excess reserve between each target excess reserve account via the matched preset strategy.
And in the embodiment of the present invention, can determine whether irrelevance and deviation value meet preset condition, if meeting default item
Part then combines preset strategy to allot the excess reserve between each target excess reserve account.
Wherein, preset condition can be preset, specifically can be according to the clearance actual service application need of platform
It asks and is set, alternatively, being also possible to be set by the factory program of clearance platform, with no restriction to this.
By determining whether irrelevance and deviation value meet preset condition, if meeting preset condition, in conjunction with preset strategy
Excess reserve between each target excess reserve account is alloted, realization simplicity is alloted, and, since preset condition is according to clearance
The actual service application demand of platform is set, alternatively, being also possible to be set by the factory program of clearance platform, is arranged
Mode is more flexible, and determines the opportunity of alloting according to whether irrelevance and deviation value meet preset condition, can determine compared with
Suitably to allot opportunity, management effect is alloted in promotion.
In the present embodiment, by the runout information for determining target excess reserve account, wherein runout information is for describing each mesh
Mark the difference status that amount can be used between excess reserve account, target excess reserve account, for the excess reserve in objective management level
Account, and according to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy, due to being
In conjunction with the difference status that can use amount between each target excess reserve account, the excess reserve between each target excess reserve account is carried out
Unified allots, therefore being not limited by the quantity connected between multiple target excess reserve accounts can be effectively reduced excess reserve
The complexity that excess reserve is alloted between account, so that it is highly efficient and convenient to the management of multiple excess reserve accounts, it is promoted multiple
The efficiency that excess reserve is alloted between excess reserve account.
Fig. 3 is the flow diagram that the excess reserve that one embodiment of the invention proposes allots method.
Referring to Fig. 3, this method comprises:
S301: the runout information of target excess reserve account is determined, runout information, describing can between each target excess reserve account
With the difference status of amount, target excess reserve account, for the excess reserve account in objective management level.
Objective management level is data base administration center level in the present embodiment, and target excess reserve account is data base administration
Excess reserve account in the level of center can be, for example, IDC account, and the difference shape of amount can be used between each target excess reserve account
State is indicated by runout information.
Wherein, runout information can be irrelevance and deviation value.
It as an example, can be to the current of multiple IDC accounts when determining the runout information of target excess reserve account
It can be read out with amount, obtain the peak M_max and minimum M_min that can use amount in multiple IDC accounts, then, root
According to the peak M_max and minimum M_min read, irrelevance and deviation value is calculated.
Specifically, irrelevance N, N=(M_max-M_min)/M_max, deviation value be | M_max-M_min |, not to this
It is restricted.
S302: determine whether irrelevance and deviation value meet preset condition.
During specific execute, can presetting threshold value corresponding with irrelevance, (threshold value is true using irrelevance
Set the tone dial opportunity limit value), then, degree of will deviate from determines whether irrelevance meets preset condition compared with threshold value, and,
Degree of will deviate from and deviation value are to determine whether irrelevance and deviation value meet preset condition, with no restriction to this.
Wherein, threshold value specifically can be and be set according to the clearance actual service application demand of platform, alternatively, can also
Being set by the factory program of clearance platform, with no restriction to this.
In the embodiment of the present invention, threshold value can be less than or equal to determining irrelevance, alternatively, irrelevance is less than or waits
When deviation value, determine that irrelevance and deviation value are unsatisfactory for preset condition, determine irrelevance be greater than threshold value, and, irrelevance
When greater than deviation value, determine that irrelevance and deviation value meet preset condition.
As an example, when the corresponding irrelevance N of multiple IDC accounts is less than or equal to threshold value, or, irrelevance
When less than or equal to deviation value, the condition for being unsatisfactory for alloting target excess reserve account is determined, at this point, not triggering to mesh
Excess reserve between mark excess reserve account is alloted, and when the irrelevance N in more IDC accounts is big greater than threshold value and irrelevance N
In deviation value, it is determined that meet and carry out the condition alloted of excess reserve for target excess reserve account, then start between excess reserve account
Excess reserve is alloted.
S303: if meeting preset condition, the excess reserve target value of multiple target excess reserve accounts is determined.
S304: judge whether the available amount of each target excess reserve account is greater than excess reserve target value.
During specific execute, when the irrelevance of the target excess reserve account in clearance platform in objective management level
Meet preset condition with deviation value, then the excess reserve in target excess reserve account is alloted.
Wherein, when being alloted to the excess reserve in target excess reserve account, it is first determined multiple target excess reserve accounts
The excess reserve target value at family, wherein excess reserve target value is the average value of excess reserve in multiple target excess reserve accounts, more specifically
Ground is the average value of the excess reserve of the excess reserve account in multiple target excess reserve accounts in available mode.
As an example, according to the excess reserve situation of each IDC account, to standby in the IDC account in available mode
It pays gold to be added up, then, the excess reserve summation that aggregation is obtained is divided by with the quantity of the IDC account in available mode, is obtained
To the average value M_avg of excess reserve, and using the average value M_avg of excess reserve as excess reserve target value.
Then, the available amount of each target excess reserve account is compared with the excess reserve target value of above-mentioned determination, and
Judge whether the available amount of each target excess reserve account is greater than excess reserve target value.
S305: according to judgement as a result, being alloted to the excess reserve between each target excess reserve account.
Optionally, it can be according to judgement as a result, alloted to the excess reserve between each target excess reserve account
When the available amount of the first excess reserve account in multiple target excess reserve accounts is greater than excess reserve target value, by the first excess reserve
Excess reserve in account is alloted to the excess reserve account of centralized management platform level；Second in multiple target excess reserve accounts
When the available amount of excess reserve account is less than excess reserve target value, by the provision in the excess reserve account for managing platform level concentratedly
Gold is alloted to the second excess reserve account.
It is greater than excess reserve target value by the available amount of the first excess reserve account in multiple target excess reserve accounts
When, the excess reserve in the first excess reserve account is alloted to the excess reserve account of centralized management platform level；It is standby in multiple targets
When paying the available amount of the second excess reserve account in golden account less than excess reserve target value, the standby of platform level will be managed concentratedly
The excess reserve in golden account is paid, is alloted to the second excess reserve account, realizes and combines the flat of excess reserve in available excess reserve account
Mean value carries out turning over or setting aside for excess reserve, so that the working order that can combine practical excess reserve account is turned over or sets aside,
So that turning over or setting aside more reasonable, there is preferable applicability, and meet actual application scenarios demand.
Optionally, it by the excess reserve in the excess reserve account for managing platform level concentratedly, allots to the second excess reserve account,
It can be when the number of the second excess reserve account is multiple, by the provision in the excess reserve account for managing platform level concentratedly
Gold is fifty-fifty alloted to each second excess reserve account.
By the number in the second excess reserve account be it is multiple when, will manage concentratedly platform level excess reserve account in
Excess reserve, fifty-fifty alloting reduces the algorithm computational complexity alloted to each second excess reserve account, and to allot logic
More reasonable, effect is alloted in promotion.
As an example, the account of excess reserve target value is greater than to excess reserve in excess reserve account, carries out excess reserve
It turns over, turns over the part that amount can be more than excess reserve target value for excess reserve in the excess reserve account, and to excess reserve account
Middle excess reserve is less than the account of excess reserve target value, carries out setting aside for excess reserve, and setting aside amount is provision in the excess reserve account
Gold is less than the part of excess reserve target value, and the excess reserve of the account of excess reserve target value is equal to excess reserve in excess reserve account,
Turning over or setting aside without excess reserve.
In the present embodiment, by determining the runout information of target excess reserve account, wherein runout information is each target provision
The difference status of amount, target excess reserve account, for the excess reserve account in objective management level, In can be used between golden account
It determines whether irrelevance and deviation value meet preset condition, if meeting preset condition, determines the standby of multiple target excess reserve accounts
Golden target value is paid, judges whether the available amount of each target excess reserve account is greater than excess reserve target value, and according to judgement
As a result, alloting to the excess reserve between each target excess reserve account, amount information can be used clear in excess reserve account
Clearly, reasonable to present, it is promoted effect is presented, and turn over and set aside reasonable rule to excess reserve between excess reserve account
It draws, improves between the accuracy that excess reserve is alloted multiple excess reserve accounts, also, realize and combine in available excess reserve account
The average value of excess reserve carries out turning over or setting aside for excess reserve, so that practical excess reserve account can be combined by turning over or setting aside
Working order has preferable applicability, and meets actual application scenarios demand so that turning over or setting aside more reasonable.Drop
Effect is alloted in the algorithm computational complexity that low-key is dialled, promotion.
Fig. 4 is the structural schematic diagram that the excess reserve that one embodiment of the invention proposes allots device.
Applied to clearing in platform, in clearance platform, for target payment mechanism, configured with the more of different management levels
A excess reserve account, each excess reserve account are stored with the excess reserve of target payment mechanism.
Referring to fig. 4, device 400, comprising:
First determining module 401, for determining that the runout information of target excess reserve account, runout information describe each target
The difference status of amount, target excess reserve account, for the excess reserve account in objective management level can be used between excess reserve account
Family；
Module 402 is alloted, is used for according to runout information, in conjunction with preset strategy to the provision between each target excess reserve account
Gold is alloted.
Optionally, in some embodiments, runout information includes: irrelevance and deviation value, allots module 402, is specifically used for:
Determine whether irrelevance and deviation value meet preset condition, if meeting preset condition, in conjunction with preset strategy to each
Excess reserve between target excess reserve account is alloted.
Optionally, in some embodiments, management level further include: central core is managed in centralized management platform level and data depositary management
Grade, centralized management platform level are higher than data base administration center level, and objective management level is data base administration center level,
Module 402 is alloted, is also used to:
In conjunction with preset strategy, to the excess reserve between each target excess reserve account in data base administration center level into
Row is alloted.
Optionally, in some embodiments, referring to Fig. 5, device 400, further includes:
Second determining module 403, for determining the excess reserve target value of multiple target excess reserve accounts；
Judgment module 404, for judging whether the available amount of each target excess reserve account is greater than excess reserve target value；
Module 402 is alloted, is also used to according to judgement as a result, being adjusted to the excess reserve between each target excess reserve account
It dials.
Optionally, in some embodiments, module 402 is alloted, is also used to:
It, will when the available amount of the first excess reserve account in multiple target excess reserve accounts is greater than excess reserve target value
Excess reserve in first excess reserve account is alloted to the excess reserve account of centralized management platform level；
It, will when the available amount of the second excess reserve account in multiple target excess reserve accounts is less than excess reserve target value
It manages the excess reserve in the excess reserve account of platform level concentratedly, allots to the second excess reserve account.
Optionally, in some embodiments, module 402 is alloted, is also used to:
When the number of the second excess reserve account is multiple, by the provision in the excess reserve account for managing platform level concentratedly
Gold is fifty-fifty alloted to each second excess reserve account.
It should be noted that be also applied for this standby for the explanation that earlier figures 1- Fig. 3 allots embodiment of the method to excess reserve
It pays gold and allots device, realization principle is similar, is not repeating herein.
In the present embodiment, by the runout information for determining target excess reserve account, wherein runout information is for describing each mesh
Mark the difference status that amount can be used between excess reserve account, target excess reserve account, for the excess reserve in objective management level
Account, and according to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy, due to being
In conjunction with the difference status that can use amount between each target excess reserve account, the excess reserve between each target excess reserve account is carried out
Unified allots, therefore being not limited by the quantity connected between multiple target excess reserve accounts can be effectively reduced excess reserve
The complexity that excess reserve is alloted between account, so that it is highly efficient and convenient to the management of multiple excess reserve accounts, it is promoted multiple
The efficiency that excess reserve is alloted between excess reserve account.
Fig. 6 is the structural schematic diagram for the computer equipment that one embodiment of the invention proposes.
The computer equipment can be mobile phone, tablet computer etc..
Referring to Fig. 6, the computer equipment 60 of the present embodiment includes: shell 601, processor 602, memory 603, circuit board
604, power circuit 605, circuit board 604 are placed in the space interior that shell 601 surrounds, and processor 602, memory 603 are arranged
On circuit board 604；Power circuit 605, for powering for each circuit of computer equipment 60 or device；Memory 603 is used for
Store executable program code；Wherein, processor 602 is run by reading the executable code stored in memory 03 and can
The corresponding program of program code is executed, for executing:
Determine that the runout information of target excess reserve account, runout information describe that volume can be used between each target excess reserve account
The difference status of degree, target excess reserve account, for the excess reserve account in objective management level；
According to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
It should be noted that the explanation for alloting embodiment of the method to excess reserve in earlier figures 1- Fig. 3 embodiment is also fitted
For the computer equipment 60 of the embodiment, realization principle is similar, is not repeating herein.
Computer equipment in the present embodiment, by the runout information for determining target excess reserve account, wherein runout information
Difference status for describing that amount can be used between each target excess reserve account, target excess reserve account, in objective management
The excess reserve account of level, and according to runout information, in conjunction with preset strategy to the excess reserve between each target excess reserve account into
Row is alloted, due to be in conjunction with the difference status that can use amount between each target excess reserve account, to each target excess reserve account it
Between alloting of being unified of excess reserve, being not limited by the quantity connected between multiple target excess reserve accounts therefore can
The complexity that excess reserve is alloted between excess reserve account is effectively reduced so that it is highly efficient to the management of multiple excess reserve accounts and
It is convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
In order to realize above-described embodiment, the present invention also proposes a kind of non-transitorycomputer readable storage medium, works as storage
When instruction in medium is executed by the processor of terminal, enables the terminal to execute a kind of excess reserve and allot method, be applied to clear
It calculates in platform, in clearance platform, for target payment mechanism, configures multiple excess reserve accounts by different management levels, it is more
A excess reserve account is stored with the excess reserve of target payment mechanism, and method includes:
Determine that the runout information of target excess reserve account, runout information describe that volume can be used between each target excess reserve account
The difference status of degree, target excess reserve account, for the excess reserve account in objective management level；
According to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
Non-transitorycomputer readable storage medium in the present embodiment, by determining that the deviation of target excess reserve account is believed
Breath, wherein runout information is used to describe between each target excess reserve account that the difference status of amount, target excess reserve account can be used
Family, for the excess reserve account in objective management level, and according to runout information, in conjunction with preset strategy to each target excess reserve account
Excess reserve between family is alloted, due to being in conjunction with the difference status that can use amount between each target excess reserve account, to each
What the excess reserve between target excess reserve account was unified allots, and is not limited by between multiple target excess reserve accounts and connects
Quantity therefore can be effectively reduced the complexity that excess reserve is alloted between excess reserve account so as to multiple excess reserve accounts
Management it is highly efficient and convenient, promote the efficiency that excess reserve between multiple excess reserve accounts is alloted.
To realize above-described embodiment, the present invention also proposes a kind of computer program product, when in computer program product
Instruction is when being executed by processor, and executes a kind of excess reserve and allots method, is applied in clearance platform, in clearance platform, for
Target payment mechanism, multiple excess reserve accounts configured with different management levels, multiple excess reserve accounts are stored with target payment
The excess reserve of mechanism, method include:
Determine that the runout information of target excess reserve account, runout information describe that volume can be used between each target excess reserve account
The difference status of degree, target excess reserve account, for the excess reserve account in objective management level；
According to runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
Computer program product in the present embodiment, by the runout information for determining target excess reserve account, wherein deviate
Information is used to describe between each target excess reserve account that the difference status of amount, target excess reserve account, in target can be used
The excess reserve account of management level, and according to runout information, in conjunction with preset strategy to the provision between each target excess reserve account
Gold is alloted, due to being in conjunction with the difference status that can use amount between each target excess reserve account, to each target excess reserve account
What the excess reserve between family was unified allots, and is not limited by the quantity connected between multiple target excess reserve accounts, therefore,
It can be effectively reduced the complexity that excess reserve is alloted between excess reserve account, so that more high to the management of multiple excess reserve accounts
Effect and convenient, promotes the efficiency that excess reserve between multiple excess reserve accounts is alloted.
It should be noted that in the description of the present invention, term " first ", " second " etc. are used for description purposes only, without
It can be interpreted as indication or suggestion relative importance.In addition, in the description of the present invention, unless otherwise indicated, the meaning of " multiple "
It is two or more.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discussed suitable
Sequence, including according to related function by it is basic simultaneously in the way of or in the opposite order, Lai Zhihang function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each section of the invention can be realized with hardware, software, firmware or their combination.Above-mentioned
In embodiment, software that multiple steps or method can be executed in memory and by suitable instruction execution system with storage
Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware
Any one of column technology or their combination are realized: having a logic gates for realizing logic function to data-signal
Discrete logic, with suitable combinational logic gate circuit specific integrated circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are understood that realize all or part of step that above-described embodiment method carries
Suddenly be that relevant hardware can be instructed to complete by program, program can store in a kind of computer readable storage medium
In, which when being executed, includes the steps that one or a combination set of embodiment of the method.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in a processing module
It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.If integrated module with
The form of software function module is realized and when sold or used as an independent product, also can store computer-readable at one
It takes in storage medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not
Centainly refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any
One or more embodiment or examples in can be combined in any suitable manner.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example
Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, modifies, replacement and variant.
Claims (15)
1. a kind of excess reserve allots method, it is applied in clearance platform, in the clearance platform, for target payment mechanism,
Multiple excess reserve accounts configured with different management levels, each excess reserve account are stored with the standby of the target payment mechanism
Fu Jin, which is characterized in that the described method comprises the following steps:
Determine the runout information of target excess reserve account, the runout information, describing can between each target excess reserve account
With the difference status of amount, the target excess reserve account, for the excess reserve account in objective management level；
According to the runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
2. excess reserve as described in claim 1 allots method, which is characterized in that the runout information include: irrelevance and partially
It is described to be alloted according to the runout information in conjunction with excess reserve of the preset strategy to the target payment mechanism from value, packet
It includes:
Determine whether the irrelevance and deviation value meet preset condition；
If meeting the preset condition, the excess reserve between each target excess reserve account is adjusted in conjunction with preset strategy
It dials.
3. excess reserve as claimed in claim 2 allots method, which is characterized in that the management level further include: centralized management
Center level is managed in platform level and data depositary management, and the centralized management platform level is higher than data base administration center level,
The objective management level is data base administration center level, and the combination preset strategy is to each target excess reserve
Excess reserve between account is alloted, comprising:
In conjunction with preset strategy, to the provision between each target excess reserve account in data base administration center level
Gold is alloted.
4. excess reserve as claimed in claim 3 allots method, which is characterized in that the combination preset strategy, in described
Excess reserve between each target excess reserve account of data base administration center level is alloted, comprising:
Determine the excess reserve target value of multiple target excess reserve accounts；
Judge whether the available amount of each target excess reserve account is greater than the excess reserve target value；
According to judgement as a result, being alloted to the excess reserve between each target excess reserve account.
5. excess reserve as claimed in claim 4 allots method, which is characterized in that it is described according to judgement as a result, to each described
Excess reserve between target excess reserve account is alloted, comprising:
The available amount of the first excess reserve account in the multiple target excess reserve account is greater than the excess reserve target value
When, the excess reserve in the first excess reserve account is alloted to the excess reserve account of the centralized management platform level；
The available amount of the second excess reserve account in the multiple target excess reserve account is less than the excess reserve target value
When, the excess reserve in the excess reserve account of the centralized management platform level is alloted to the second excess reserve account.
6. excess reserve as claimed in claim 5 allots method, which is characterized in that described by the centralized management platform level
Excess reserve in excess reserve account is alloted to the second excess reserve account, comprising:
It, will be in the excess reserve account of the centralized management platform level when the number of the second excess reserve account is multiple
Excess reserve is fifty-fifty alloted to each second excess reserve account.
7. a kind of excess reserve allots device, it is applied in clearance platform, in the clearance platform, for target payment mechanism,
Multiple excess reserve accounts configured with different management levels, each excess reserve account are stored with the standby of the target payment mechanism
Fu Jin, which is characterized in that described device includes:
First determining module, for determining that the runout information of target excess reserve account, the runout information describe each target
The difference status of amount, the target excess reserve account, for the provision in objective management level can be used between excess reserve account
Golden account；
Module is alloted, is used for according to the runout information, in conjunction with preset strategy to standby between each target excess reserve account
Gold is paid to be alloted.
8. excess reserve as claimed in claim 7 allots device, which is characterized in that the runout information include: irrelevance and partially
It is described to allot module from value, it is specifically used for:
Determine whether the irrelevance and deviation value meet preset condition, if meeting the preset condition, in conjunction with preset strategy
Excess reserve between each target excess reserve account is alloted.
9. excess reserve as claimed in claim 8 allots device, which is characterized in that the management level further include: centralized management
Center level is managed in platform level and data depositary management, and the centralized management platform level is higher than data base administration center level,
The objective management level is data base administration center level, described to allot module, is also used to:
In conjunction with preset strategy, to the provision between each target excess reserve account in data base administration center level
Gold is alloted.
10. excess reserve as claimed in claim 9 allots device, which is characterized in that described device further include:
Second determining module, for determining the excess reserve target value of multiple target excess reserve accounts；
Judgment module, for judging whether the available amount of each target excess reserve account is greater than the excess reserve target value；
It is described to allot module, it is also used to according to judgement as a result, being carried out to the excess reserve between each target excess reserve account
It allots.
11. excess reserve as claimed in claim 10 allots device, which is characterized in that it is described to allot module, it is also used to:
The available amount of the first excess reserve account in the multiple target excess reserve account is greater than the excess reserve target value
When, the excess reserve in the first excess reserve account is alloted to the excess reserve account of the centralized management platform level；
The available amount of the second excess reserve account in the multiple target excess reserve account is less than the excess reserve target value
When, the excess reserve in the excess reserve account of the centralized management platform level is alloted to the second excess reserve account.
12. excess reserve as claimed in claim 11 allots device, which is characterized in that it is described to allot module, it is also used to:
It, will be in the excess reserve account of the centralized management platform level when the number of the second excess reserve account is multiple
Excess reserve is fifty-fifty alloted to each second excess reserve account.
13. a kind of non-transitorycomputer readable storage medium, is stored thereon with computer program, which is characterized in that the program
It is realized when being executed by processor as excess reserve of any of claims 1-6 allots method.
14. a kind of computer program product executes one kind when the instruction in the computer program product is executed by processor
Excess reserve allots method, is applied in clearance platform, in the clearance platform, for target payment mechanism, configured with difference
Multiple excess reserve accounts of management level, each excess reserve account is stored with the excess reserve of the target payment mechanism, described
Method includes:
Determine the runout information of target excess reserve account, the runout information, describing can between each target excess reserve account
With the difference status of amount, the target excess reserve account, for the excess reserve account in objective management level；
According to the runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
15. a kind of computer equipment, including shell, processor, memory, circuit board and power circuit, wherein the circuit board
It is placed in the space interior that the shell surrounds, the processor and the memory are arranged on the circuit board；The electricity
Source circuit, for each circuit or the device power supply for the computer equipment；The memory is for storing executable program
Code；The processor is run and the executable program by reading the executable program code stored in the memory
The corresponding program of code, for executing:
Determine the runout information of target excess reserve account, the runout information, describing can between each target excess reserve account
With the difference status of amount, the target excess reserve account, for the excess reserve account in objective management level；
According to the runout information, the excess reserve between each target excess reserve account is alloted in conjunction with preset strategy.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910666780.6A CN110428323A (en) | 2019-07-23 | 2019-07-23 | Excess reserve allots method, apparatus and computer equipment |
| PCT/CN2020/103525 WO2021013179A1 (en) | 2019-07-23 | 2020-07-22 | Reserve allocation method and apparatus, and computer device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910666780.6A CN110428323A (en) | 2019-07-23 | 2019-07-23 | Excess reserve allots method, apparatus and computer equipment |
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| CN110428323A true CN110428323A (en) | 2019-11-08 |
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| CN201910666780.6A Pending CN110428323A (en) | 2019-07-23 | 2019-07-23 | Excess reserve allots method, apparatus and computer equipment |
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| WO (1) | WO2021013179A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111105146A (en) * | 2019-12-02 | 2020-05-05 | 网联清算有限公司 | Method, device and equipment for allocating resources to multiple accounts |
| WO2021013179A1 (en) * | 2019-07-23 | 2021-01-28 | 网联清算有限公司 | Reserve allocation method and apparatus, and computer device |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109345369B (en) * | 2018-08-22 | 2023-03-31 | 平安普惠企业管理有限公司 | Spare payment configuration method and terminal equipment |
| CN113807944A (en) * | 2018-09-07 | 2021-12-17 | 网联清算有限公司 | Spare payment allocation method and device, electronic equipment and storage medium |
| CN109598618B (en) * | 2018-09-12 | 2022-12-16 | 创新先进技术有限公司 | Data processing method, and method and device for determining fluidity deadline gap |
| CN109858915B (en) * | 2019-01-24 | 2022-05-17 | 网联清算有限公司 | Transaction system and service processing method |
| CN110428323A (en) * | 2019-07-23 | 2019-11-08 | 网联清算有限公司 | Excess reserve allots method, apparatus and computer equipment |
-
2019
- 2019-07-23 CN CN201910666780.6A patent/CN110428323A/en active Pending
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- 2020-07-22 WO PCT/CN2020/103525 patent/WO2021013179A1/en active Application Filing
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2021013179A1 (en) * | 2019-07-23 | 2021-01-28 | 网联清算有限公司 | Reserve allocation method and apparatus, and computer device |
| CN111105146A (en) * | 2019-12-02 | 2020-05-05 | 网联清算有限公司 | Method, device and equipment for allocating resources to multiple accounts |
| WO2021109921A1 (en) * | 2019-12-02 | 2021-06-10 | 网联清算有限公司 | Method, device and apparatus for allocating resources to multiple accounts |
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| WO2021013179A1 (en) | 2021-01-28 |
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Application publication date: 20191108 |