CN110458680A

CN110458680A - Fund pool management control method, system and core banking system

Info

Publication number: CN110458680A
Application number: CN201910752235.9A
Authority: CN
Inventors: 盛新庆; 何骏; 王志广
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2019-08-15
Filing date: 2019-08-15
Publication date: 2019-11-15

Abstract

The invention discloses a kind of fund pool management control method, system and core banking systems, this method comprises: receiving the account balance text that core banking system is sent, initialize fund pool amount according to the account balance text received；Transaction Information of the core banking system by the online transmission of message queue mode is received, according to the Transaction Information real-time update fund pool amount received.The present invention initializes fund pool amount according to the account balance text received, and then after the Transaction Information for receiving core banking system transmission, according to the Transaction Information real-time update fund pool amount received, so as to effectively realize the management control to fund pool；In addition, the management control of fund pool is placed on except core banking system by the embodiment of the present invention by way of information exchange (transmission, reception etc.) or synchronizing information, the influence to core banking system is reduced to the full extent, ensures the operational efficiency and runnability of core banking system.

Description

Fund pool management control method, system and core banking system

Technical field

The present invention relates to technical field of data processing more particularly to fund pool management control methods, system and core bank System.

Background technique

This part intends to provides background or context for the embodiment of the present invention stated in claims.Description herein Recognize it is the prior art not because not being included in this section.

In recent years, cash management has become business bank's competition to one of the core weapon of public client, becomes each bank The hotly contested spot.Why cash management becomes the mainstream in market in a short time, has great relationship with its business characteristic.Cash Management as an innovative business, with it is traditional to public bank service compared with have many good qualities.Fund pool management control is existing The mostly important one aspect of golden management domain.

On the one hand, core banking system can only carry out the payment, management and control of single account at present, be not possible to realize at present Payment management control to the fund pool comprising multiple accounts.On the other hand, core banking system is in all banking systems In core status, it is mainly responsible for the control functions such as most crucial account transfer, payment, the efficiency and performance of core banking system It needs primarily to ensure.Management control for the fund pool comprising multiple accounts is very difficult, if by core silver Row system goes control fund pool account relationship, then can increase many added burdens to core banking system, seriously affect core silver The data-handling efficiency of row system.In addition, fund pool type is evolving, if the functions such as fund pool management control are placed on Core banking system, every increase or extends a kind of new fund pool model, all by core banking system operational efficiency and Performance generates strong influence.

Therefore, how while effective realize to fund pool management control, the operation of core banking system is ensured Efficiency and runnability, are a problem to be solved.

Summary of the invention

The embodiment of the present invention provides a kind of fund pool management control method, can control in effective realize fund pool management While, ensure the operational efficiency and runnability of core banking system, this method comprises:

The account balance text that core banking system is sent is received, fund is initialized according to the account balance text received Pond amount；

Transaction Information of the core banking system by the online transmission of message queue mode is received, is believed according to the transaction received Cease real-time update fund pool amount.

The embodiment of the present invention also provides a kind of fund pool management control method, can realize effective to fund pool management control While processed, the operational efficiency and runnability of core banking system are ensured, this method comprises:

Send account balance text；

Pass through the online transmission Transaction Information of message queue mode.

The embodiment of the present invention also provides a kind of fund pool management and control device, can realize effective to fund pool management control While processed, the operational efficiency and runnability of core banking system are ensured, which includes:

Initialization module, for receiving the account balance text of core banking system transmission, more than the account received Volume text initializes fund pool amount；

Update module, for receiving core banking system by the Transaction Information of the online transmission of message queue mode, according to The Transaction Information real-time update fund pool amount received.

Account balance text sending module, for sending account balance text；

Transaction Information sending module, for passing through the online transmission Transaction Information of message queue mode.

The embodiment of the present invention also provides a kind of computer equipment, including memory, processor and storage are on a memory simultaneously The computer program that can be run on a processor, the processor realize above-mentioned fund pool management when executing the computer program Control method.

The embodiment of the present invention also provides a kind of computer readable storage medium, and the computer-readable recording medium storage has Execute the computer program of above-mentioned fund pool management control method.

In the embodiment of the present invention, fund pool is initialized according to the account balance text that the core banking system received is sent Amount, and then after receiving Transaction Information of the core banking system by the online transmission of message queue mode, according to receiving Transaction Information real-time update fund pool amount, so as to effectively realize to fund pool management control；In addition, the present invention is real It applies example and the management control of fund pool is placed on core department of banking by way of information exchange (transmission, reception etc.) or synchronizing information Except system, the influence to core banking system is reduced to the full extent, ensures the operational efficiency and operation of core banking system Performance.

Detailed description of the invention

In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with It obtains other drawings based on these drawings.In the accompanying drawings:

Fig. 1 is the implementation flow chart of fund pool management control method provided in an embodiment of the present invention；

Fig. 2 is another implementation flow chart of fund pool management control method provided in an embodiment of the present invention；

Fig. 3 is the another implementation flow chart of fund pool management control method provided in an embodiment of the present invention；

Fig. 4 is the realization stream of the fund pool management control method provided in an embodiment of the present invention applied to core banking system Cheng Tu；

Fig. 5 is another reality of the fund pool management control method provided in an embodiment of the present invention applied to core banking system Existing flow chart；

Fig. 6 is the another reality of the fund pool management control method provided in an embodiment of the present invention applied to core banking system Existing flow chart；

Fig. 7 is the functional block diagram of fund pool management control system provided in an embodiment of the present invention；

Fig. 8 is another functional block diagram of fund pool management control system provided in an embodiment of the present invention；

Fig. 9 is the another functional block diagram of fund pool management control system provided in an embodiment of the present invention；

Figure 10 is the functional block diagram of core banking system provided in an embodiment of the present invention；

Figure 11 is another functional block diagram of core banking system provided in an embodiment of the present invention；

Figure 12 is the another functional block diagram of core banking system provided in an embodiment of the present invention；

Figure 13 is another implementation flow chart of fund pool management control method provided in an embodiment of the present invention；

Figure 14 is another functional block diagram of fund pool management control system provided in an embodiment of the present invention.

Specific embodiment

Understand in order to make the object, technical scheme and advantages of the embodiment of the invention clearer, with reference to the accompanying drawing to this hair Bright embodiment is described in further details.Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but simultaneously It is not as a limitation of the invention.

Fig. 1 shows the implementation process of fund pool management control method provided in an embodiment of the present invention, for ease of description, only Part related to the embodiment of the present invention is shown, details are as follows:

Wherein, fund pool management control method provided in an embodiment of the present invention is applied to fund pool management control system (this Place's fund pool management control system can be peripheral system, i.e., independently of core business except, exist and core banking system Connected interface provides the operation system of respective service, implements about fund pool management control system referring specifically to hereafter related Example)

As shown in Figure 1, fund pool management control method comprising:

Step 101, the account balance text that core banking system is sent is received, according at the beginning of the account balance text received Beginningization fund pool amount；

Step 102, Transaction Information of the core banking system by the online transmission of message queue mode is received, according to receiving Transaction Information real-time update fund pool amount.

Core banking system (full name in English: Core Banking System) refers to the kernel business of bank of financial industry System, current core banking system be all it is customer-centric, carry out accounting processing, meet integral counter-employee system and provide 24 The core banking system of hour service, realizes customer relation management, product and service, operation flow, financial accounting and pipe The most crucial function of the bankings such as reason, risk management and control, Added Management and decision is basis and the core of banking information system.

When multiple accounts of core banking system are when being included in fund pool, need to count multiple account account information, Account can use amount information, and account balance text reflects the available amount information of account information and account.Realizing fund pool When management control, the account balance text of multiple account is sent to fund pool management control system first by core banking system System, fund pool management control system receive the account balance text that core banking system is sent, and then fund pool management control system The fund pool that system is needed according to the building of the account balance text of multiple account, builds fund pool account relationship, i.e., according to multiple (fund pool is available remaining for account information and fund pool amount of the account information and account available balance of account to the fund pool built Volume amount) it is initialized, it is built and initialization procedure with completing fund pool.

Wherein, during initializing fund pool amount, by synchronization mechanism realize fund pool management control system with It is synchronous with core banking system account information.Synchronization mechanism mainly includes that account can be synchronous with amount, and credit transaction is synchronous, borrows Note transaction synchronizes.

After fund pool management control system completion fund pool is built and initialized, core banking system passes through message queue Mode is sent to fund pool management control system for Transaction Information is online.

Wherein, message queue (full name in English: Message Queue, abbreviation MQ), is that message is saved in message transmitting procedure Container or information storage area domain, the message in message queue transmit and receive in sequence, once message is handled by consumption, this disappears Breath will be deleted from queue.Message queue is component important in distributed system, mainly solve application decoupling, asynchronous message and Flow is cut the problems such as cutting edge of a knife or a sword, realizes high-performance, High Availabitity, scalable and final consistency framework.In embodiments of the present invention, refer to Transaction Information is sent to fund pool management control system by core banking system in a manner of message queue.

It is online, refer to through automatic electronic means, such as information processing is carried out by interface or electric terminal.At this In inventive embodiments, refers to and send Transaction Information to fund pool management control system by automatic electronic means.

For core banking system after sending Transaction Information, fund pool management control system receives core banking system by disappearing The Transaction Information that queue is sent is ceased, and real-time update is carried out to fund pool amount according to the Transaction Information received, with effectively real Now the management of fund pool is controlled.Wherein, fund pool management control system, can be with when carrying out real-time update to fund pool amount According to fund pool type and quota control mode, synchronization mechanism real-time update fund pool amount is relied on.Currently, fund pool is mainly divided Fund pool quota control mechanism for entity class fund pool and virtual class fund pool, different fund pool types is not also identical.

In addition, in embodiments of the present invention, fund pool management control system is as independent except core banking system The management control of fund pool is placed on core department of banking by way of carrying out information exchange with core banking system by peripheral system Except system, the influence to core banking system is reduced to the full extent, ensures the operational efficiency and operation of core banking system Performance.

In embodiments of the present invention, fund is initialized according to the account balance text that the core banking system received is sent Pond amount, and then after receiving Transaction Information of the core banking system by the online transmission of message queue mode, according to reception The Transaction Information real-time update fund pool amount arrived, so as to effectively realize the management control to fund pool.The present invention is implemented The management control of fund pool is placed on core banking system by way of information exchange (transmission, reception etc.) or synchronizing information by example Except, the influence to core banking system is reduced to the full extent, ensures the operational efficiency and maneuverability of core banking system Energy.

Fig. 2 shows another implementation process of fund pool management control method provided in an embodiment of the present invention, for convenient for retouching It states, only parts related to embodiments of the present invention are shown, and details are as follows:

Wherein, fund pool management control method provided in an embodiment of the present invention applies equally to fund pool management control system System.

In one embodiment of this invention, as shown in Fig. 2, on the basis of the method and step shown in above-mentioned Fig. 1, fund pool pipe Manage control method, further includes:

Step 201, the batch transaction text that core banking system is sent is received, according to the batch transaction text pair received The Transaction Information of loss carries out amended record.

Applicant is by practice discovery, when sending Transaction Information by message queue mode, it is understood that there may be individual transaction letters The case where breath is lost, in order to guarantee the integrality of Transaction Information and comprehensive, the embodiment of the present invention is lost in message queue Transaction Information carry out amended record.

Specifically, batch transaction text is sent to by core banking system when the Transaction Information to loss carries out amended record Fund pool management control system, fund pool management control system based on the received batch Transaction Information to the Transaction Information carried out It is checked, the Transaction Information lost is determined, and then amended record is carried out based on Transaction Information of the batch Transaction Information to loss, to protect Hinder the integrality of Transaction Information and comprehensive.

In embodiments of the present invention, the batch transaction text that core banking system is sent is received, according to the batch received Text of trading carries out amended record to the Transaction Information of loss, can ensure the integrality of Transaction Information and comprehensive.

In one embodiment of this invention, as shown in Fig. 2, on the basis of above method step, fund pool management control Method, further includes:

Step 202, core banking system is received to ask by the account trading that Customer Information Control System connection type is sent It asks, transaction response results is sent to core banking system according to the account trading request received；

Step 203, receive what the transaction response results that core banking system is requested and received according to account trading were sent The trading processing result of corresponding account.

Other than realizing to fund pool quota control control, the embodiment of the present invention can also be realized to fund pool account Control function is paid, account overdraw fund pool amount is avoided.

Specifically, for be included in fund pool account when carrying out pay-off control, fund pool management control system passes through visitor The reliable connection type of family management information system connects core banking system, and such connection type needs fund pool management to control System waits core banking system to return to account trading and requests corresponding trading processing result.

Wherein, Customer Information Control System (full name in English: Customer Information Control System, letter Claim CICS), it is a series of for using the product of Transaction Processing and transaction management is provided, function is provided for business application One transaction processing environment, helps client to establish the Transaction Processing application of three layer structure, and CICS efficiently differentiates application Statement logical layer, Business Logic and mathematical logic layer in system, so that application system is clear in structure, maintenance is simple easy Row.

When carrying out payment control to fund pool account, core banking system passes through Customer Information Control System connection type Account trading request is sent to fund pool management control system, fund pool management control system is receiving core banking system Transmission account trading request after, according in fund pool corresponding account information and fund pool amount information determine whether to prop up Out, and then fund pool management control system requests to carry out payment management control to fund pool according to account trading.Using core silver The first to file of row system (sends account trading request), and fund pool management control system is asked according to the account trading of core banking system It asks and payment management control is carried out to fund pool, update fund pool amount, can be avoided account overdraw fund pool amount, realize to money The effective payment management control of Jin Chi.

For example, if fund pool management control system, which is judged as, allows to pay (i.e. transaction response results are to allow to pay), It is requested to update (such as reducing) corresponding fund pool amount according to account trading.Further, fund pool management control system will The transaction response results paid are allowed to be sent to core banking system, so as to core banking system pair and account transaction request pair The account answered carries out trading processing.

If fund pool management control system is judged as refusal expenditure (i.e. transaction response results are refusal expenditure), fund pool Management control system requests the transaction response results for sending refusal expenditure to core banking system according to account trading, so as to core The transaction response results that banking system is paid according to the refusal carry out refusal expenditure to account corresponding with account transaction request Trading processing.

Transaction of the core banking system to proper account is accurately understood and grasped for the ease of fund pool management control system Processing result, core banking system, will be right after carrying out trading processing to proper account according to the transaction response results received The trading processing result of account is answered to be sent to fund pool management control system, so as to the reception of fund pool management control system, accurately Core banking system is understood and grasped to the trading processing result of proper account.

In embodiments of the present invention, the account that core banking system is sent by Customer Information Control System connection type is received Family transaction request sends transaction response results to core banking system according to the account trading request received, receives core silver The trading processing for the corresponding account that the transaction response results that row system is requested and received according to account trading are sent is as a result, this hair Bright embodiment is using core banking system first to file (sending account trading request), and fund pool management control system is according to core silver The account trading request of row system carries out payment management control to fund pool, updates fund pool amount, can be avoided account overdraw Fund pool amount is realized and is controlled the effective payment management of fund pool.

Fig. 3 shows the another implementation process of fund pool management control method provided in an embodiment of the present invention, for convenient for retouching It states, only parts related to embodiments of the present invention are shown, and details are as follows:

In one embodiment of this invention, as shown in figure 3, on the basis of above method step, fund pool management control Method, further includes:

Step 301, if not receiving the transaction response results that core banking system is requested and received according to account trading The trading processing of the corresponding account of transmission is as a result, send transaction results inquiry request to core banking system；

Step 302, if the transaction results that the core banking system received is sent are Fail Transaction, according to Fail Transaction Transaction results retract fund pool amount to preceding state of trading；

Step 303, successful according to transaction if the transaction results that the core banking system received is sent are to trade successfully Stateful transaction is set to and trades successfully by transaction results.

Applicant is under study for action it has furthermore been found that fund pool management control system deposits and do not receive core on rare occasion The trading processing of the corresponding account that banking system is sent is as a result, at this time in order to ensure the accuracy and integrality of Transaction Information, money Golden pond management control system sends transaction results inquiry request to core banking system, to look into corresponding transaction results It askes.

Specifically, fund pool management control system is at the transaction of corresponding account for not receiving core banking system transmission When managing result, transaction results inquiry request is sent to core banking system, to inquire corresponding transaction results.Its In, transaction results, which exist, trades successfully and two kinds of situations of Fail Transaction.

Core banking system is after the transaction results inquiry request for receiving the transmission of fund pool management control system, to the friendship Easy result queries request is responded, i.e., trades successfully and Fail Transaction to fund pool management control system feedback (such as transmission) Transaction results.

If the transaction results that the core banking system that fund pool management control system receives is sent are Fail Transaction, explanation Fail to the trading processing of proper account, the accuracy for guarantee Transaction Information retracts at this time.That is fund pool pipe Reason control system needs that fund pool amount is retracted to account transaction request according to the transaction results of the Fail Transaction received State before corresponding transaction.

If the transaction results that the core banking system that fund pool management control system receives is sent are to trade successfully, explanation The trading processing of proper account is successfully processed, only it is anti-not yet to receive core banking system for fund pool management control system The successful information of the transaction of feedback, fund pool management control system is according to the successful transaction results of the transaction received at this time, directly Transaction corresponding with account transaction request is set to the successful state of transaction.

In embodiments of the present invention, fund pool management control system is at the transaction for not receiving core banking system transmission When managing result, transaction results inquiry request is sent to core banking system, and then when transaction results are Fail Transaction, by fund Pond amount retracts to preceding state of trading；When transaction results are to trade successfully, stateful transaction is set to and is traded successfully, it can be into one Step ensures the accuracy of Transaction Information.

Fig. 4 shows the reality of the fund pool management control method provided in an embodiment of the present invention applied to core banking system Existing process, for ease of description, only parts related to embodiments of the present invention are shown, details are as follows:

Wherein, fund pool management control method provided in an embodiment of the present invention is applied to core banking system.In view of fund Pond management control system and core banking system carry out information exchange, provided in an embodiment of the present invention to be applied to core banking system Fund pool management control method, with corresponding, the embodiment of the present invention shown in FIG. 1 applied to fund pool management control system Referring specifically to the description of related embodiment part shown in Fig. 1, only it is briefly described herein.

As shown in figure 4, being applied to the fund pool management control method of core banking system comprising:

Step 401, core banking system sends account balance text；

Step 402, core banking system passes through the online transmission Transaction Information of message queue mode.

In embodiments of the present invention, core banking system sends account balance text to fund pool management control system, with Just fund pool management control system initializes fund pool amount according to the account balance text received.It is controlled in fund pool management After system completes initialization fund pool amount, core banking system by the online transmission Transaction Information of message queue mode, so as to Fund pool management control system real-time update fund pool amount.

In embodiments of the present invention, core banking system sends account balance text, so as to fund pool management control system Fund pool amount is initialized, core banking system is by the online transmission Transaction Information of message queue mode, so as to fund pool management Control system real-time update fund pool amount can not only effectively realize the management control to fund pool, additionally it is possible to pass through information The management control of fund pool is placed on except core banking system by the mode of interaction (transmission, reception etc.) or synchronizing information, maximum The influence to core banking system is reduced in degree, ensures the operational efficiency and runnability of core banking system.

Fig. 5 shows the another of the fund pool management control method provided in an embodiment of the present invention applied to core banking system One implementation process, for ease of description, only parts related to embodiments of the present invention are shown, details are as follows:

Wherein, fund pool management control method provided in an embodiment of the present invention applies equally to core banking system.In view of Fund pool management control system and core banking system carry out information exchange, provided in an embodiment of the present invention to be applied to core bank The fund pool management control method of system, with shown in Fig. 2 applied to the corresponding of fund pool management control system, the present invention is real Example is applied referring specifically to the description of related embodiment part shown in Fig. 2, is only briefly described herein.

In one embodiment of this invention, as shown in figure 5, on the basis of the method and step shown in above-mentioned Fig. 4, it is applied to core The fund pool management control method of heart banking system, further includes:

Step 501, core banking system sends batch transaction text.

In embodiments of the present invention, core banking system sends batch transaction text to fund pool management control system, with Just fund pool management control system carries out amended record to the Transaction Information of loss, can ensure the integrality and comprehensively of Transaction Information Property.

In one embodiment of this invention, as shown in figure 5, on the basis of above method step, it is applied to core bank The fund pool management control method of system, further includes:

Step 502, core banking system sends account trading request by Customer Information Control System connection type；

Step 503, the correspondence that the transaction response results that core banking system is requested and received according to account trading are sent The trading processing result of account.

In embodiments of the present invention, core banking system sends account trading by Customer Information Control System connection type Request so that fund pool management control system carries out payment management control to fund pool amount, and receives fund pool management control The transaction response results of system feedback (such as transmission).And then the friendship that core banking system is requested and received according to account trading The trading processing result of corresponding account is sent to fund pool management control system, so as to fund pool management control by easy response results System processed, which is realized, controls the effective payment management of fund pool.

In embodiments of the present invention, core banking system sends account trading by Customer Information Control System connection type Request, so that fund pool management control system requests to carry out payment management to fund pool according to the account trading of core banking system Control updates fund pool amount, can be avoided account overdraw fund pool amount, realizes to the effective payment management control of fund pool System.

In addition, in embodiments of the present invention, the transaction that core banking system is requested and received also according to account trading is rung Should result send corresponding account trading processing as a result, so as to fund pool management control system accurately understand and grasp core silver Trading processing result of the row system to proper account.

Fig. 6 shows the fund pool management control method provided in an embodiment of the present invention applied to core banking system again One implementation process, for ease of description, only parts related to embodiments of the present invention are shown, details are as follows:

Wherein, fund pool management control method provided in an embodiment of the present invention applies equally to core banking system.In view of Fund pool management control system and core banking system carry out information exchange, provided in an embodiment of the present invention to be applied to core bank The fund pool management control method of system, with shown in Fig. 3 applied to the corresponding of fund pool management control system, the present invention is real Example is applied referring specifically to the description of related embodiment part shown in Fig. 3, is only briefly described herein.

In one embodiment of this invention, as shown in fig. 6, the fund pool for being applied to core banking system manages controlling party Method, further includes:

Step 601, core banking system sends transaction results according to the transaction results inquiry request received.

In embodiments of the present invention, core banking system responds the transaction results inquiry request received, sends Transaction results are to fund pool management control system, so that fund pool management control system is in the transaction results for receiving Fail Transaction When, it retracts to fund pool amount, when receiving the successful transaction results of transaction, updating stateful transaction is to trade successfully.

In embodiments of the present invention, core banking system sends transaction knot according to the transaction results inquiry request received Fruit updates when trading successfully and hands over so that fund pool management control system retracts to fund pool amount in Fail Transaction Easy state is to trade successfully, has ensured the accuracy and integrality of Transaction Information.

A kind of fund pool management control system and core banking system, such as following reality are additionally provided in the embodiment of the present invention It applies described in example.The principle and fund pool solved the problems, such as due to fund pool management control system and core banking system manages controlling party Method is similar, therefore the implementation of fund pool management control system and core banking system may refer to fund pool management control method Implement, overlaps will not be repeated.

Fig. 7 shows the functional module of fund pool management control system provided in an embodiment of the present invention, for purposes of illustration only, only Part related to the embodiment of the present invention is shown, details are as follows:

With reference to Fig. 7, the modules that the fund pool management control system is included are for executing in Fig. 1 corresponding embodiment Each step, referring specifically to the associated description in Fig. 1 and Fig. 1 corresponding embodiment, details are not described herein again.The present invention is implemented In example, the fund pool management control system includes initialization module 701 and update module 702.

Initialization module 701, for receiving the account balance text of core banking system transmission, according to the account received Remaining sum text initializes fund pool amount；

Update module 702 passes through the Transaction Information of the online transmission of message queue mode, root for receiving core banking system According to the Transaction Information real-time update fund pool amount received.

In embodiments of the present invention, the account balance that initialization module 701 is sent according to the core banking system received Text initializes fund pool amount, and then update module 702 is to receive core banking system online by message queue mode After the Transaction Information of transmission, according to the Transaction Information real-time update fund pool amount received, so as to effectively realize to money The management of Jin Chi controls.The embodiment of the present invention is by way of information exchange (transmission, reception etc.) or synchronizing information by fund pool Management control be placed on except core banking system, reduce the influence to core banking system to the full extent, ensure core The operational efficiency and runnability of banking system.

Fig. 8 shows another functional module of fund pool management control system provided in an embodiment of the present invention, for convenient for saying Bright, only parts related to embodiments of the present invention are shown, and details are as follows:

In one embodiment of this invention, with reference to Fig. 8, the modules that the fund pool management control system is included are used In executing each step in Fig. 2 corresponding embodiment, referring specifically to the associated description in Fig. 2 and Fig. 2 corresponding embodiment, this Place repeats no more.In the embodiment of the present invention, as shown in figure 8, on the basis of the modular structure shown in above-mentioned Fig. 7, the fund pool Management control system further includes amended record module 801.

Amended record module 801 is handed over for receiving the batch transaction text of core banking system transmission according to the batch received Easy text carries out amended record to the Transaction Information of loss.

In embodiments of the present invention, the batch that amended record module 801 receives that core banking system is sent is traded text, according to connecing The batch transaction text received carries out amended record to the Transaction Information of loss, can ensure the integrality of Transaction Information and comprehensive.

In one embodiment of this invention, as shown in figure 8, on the basis of above-mentioned modular structure, the fund pool management Control system further includes transaction response results sending module 802 and trading processing result receiving module 803.

Transaction response results sending module 802 passes through Customer Information Control System connection for receiving core banking system The account trading request that mode is sent sends transaction response results to core department of banking according to the account trading request received System.

Trading processing result receiving module 803 is requested and is received according to account trading for receiving core banking system Transaction response results send corresponding account trading processing result.

In embodiments of the present invention, transaction response results sending module 802 reception core banking system passes through customer information The account trading request that control system connection type is sent sends transaction response results extremely according to the account trading request received Core banking system, trading processing result receiving module 803, which receives core banking system, requests and receives according to account trading Transaction response results send corresponding account trading processing as a result, the embodiment of the present invention use core banking system first to file (send account trading request), fund pool management control system according to the account trading of core banking system request to fund pool into The control of row payment management, updates fund pool amount, can be avoided account overdraw fund pool amount, and fund pool is effectively propped up in realization Pay management control.

Fig. 9 shows the another functional module of fund pool management control system provided in an embodiment of the present invention, for convenient for saying Bright, only parts related to embodiments of the present invention are shown, and details are as follows:

In one embodiment of this invention, with reference to Fig. 9, each unit that the fund pool management control system is included is used In executing each step in Fig. 3 corresponding embodiment, referring specifically to the associated description in Fig. 3 and Fig. 3 corresponding embodiment, this Place repeats no more.In the embodiment of the present invention, as shown in figure 9, on the basis of above-mentioned modular structure, the fund pool management control System further includes inquiry request sending module 901, rollback module 902 and state update module 903.

Inquiry request sending module 901, if requesting and receiving according to account trading for not receiving core banking system The trading processing for the corresponding account that the transaction response results arrived are sent is as a result, send transaction results inquiry request to core department of banking System.

Rollback module 902, if the transaction results that the core banking system for receiving is sent are Fail Transaction, according to friendship The transaction results easily to fail retract fund pool amount to preceding state of trading.

State update module 903, if the transaction results that the core banking system for receiving is sent are to trade successfully, root Stateful transaction is set to according to successful transaction results of trading and is traded successfully.

In embodiments of the present invention, inquiry request sending module 901 is in the transaction for not receiving core banking system transmission When processing result, transaction results inquiry request is sent to core banking system, and then rollback module 902 is transaction in transaction results When failure, fund pool amount is retracted to preceding state of trading；State update module 903, will when transaction results are to trade successfully Stateful transaction, which is set to, trades successfully, can further ensure the accuracy of Transaction Information.

Figure 10 shows the functional module of core banking system provided in an embodiment of the present invention, for purposes of illustration only, only showing Part related to the embodiment of the present invention, details are as follows:

With reference to Figure 10, the modules that the core banking system is included are each in Fig. 4 corresponding embodiment for executing A step, referring specifically to the associated description in Fig. 4 and Fig. 4 corresponding embodiment, details are not described herein again.The embodiment of the present invention In, the core banking system includes account balance text sending module 1001 and Transaction Information sending module 1002.

Account balance text sending module 1001, for sending account balance text.

Transaction Information sending module 1002, for passing through the online transmission Transaction Information of message queue mode.

In embodiments of the present invention, account balance text sending module 1001 sends account balance text, so as to fund pool Management control system initializes fund pool amount, and Transaction Information sending module 1002 is traded by the online transmission of message queue mode Information can not only effectively realize the management to fund pool so as to fund pool management control system real-time update fund pool amount Control, additionally it is possible to the management control of fund pool is placed on core by way of information exchange (transmission, reception etc.) or synchronizing information Except heart banking system, the influence to core banking system is reduced to the full extent, ensures the operation effect of core banking system Rate and runnability.

Figure 11 shows another functional module of core banking system provided in an embodiment of the present invention, for purposes of illustration only, only Part related to the embodiment of the present invention is shown, details are as follows:

In one embodiment of this invention, with reference to Figure 11, the modules that the core banking system is included are for holding Each step in row Fig. 5 corresponding embodiment, referring specifically to the associated description in Fig. 5 and Fig. 5 corresponding embodiment, herein not It repeats again.In the embodiment of the present invention, as shown in figure 11, on the basis of above-mentioned modular structure, the core banking system is also wrapped Include batch transaction text sending module 1101.

Batch transaction text sending module 1101, for sending batch transaction text.

In embodiments of the present invention, batch transaction text sending module 1101 sends batch transaction text, so as to fund pool Management control system carries out amended record to the Transaction Information of loss, can ensure the integrality of Transaction Information and comprehensive.

In one embodiment of this invention, as shown in figure 11, on the basis of above-mentioned modular structure, the core department of banking System, further includes account trading request sending module 1102 and trading processing result sending module 1103.

Account trading request sending module 1102, for sending account trading by Customer Information Control System connection type Request.

Trading processing result sending module 1103, the transaction response results for requesting and receiving according to account trading are sent out The trading processing result of the corresponding account sent.

In embodiments of the present invention, account trading request sending module 1102 passes through Customer Information Control System connection type Account trading request is sent, so that fund pool management control system is requested according to the account trading of core banking system to fund pool Payment management control is carried out, fund pool amount is updated, account overdraw fund pool amount is can be avoided, realizes effective to fund pool Payment management control.

In addition, in embodiments of the present invention, trading processing result sending module 1103 is requested and is connect also according to account trading The trading processing for the corresponding account that the transaction response results received are sent is as a result, so that fund pool management control system accurately understands With grasp core banking system to the trading processing result of proper account.

Figure 12 shows the another functional module of core banking system provided in an embodiment of the present invention, for purposes of illustration only, only Part related to the embodiment of the present invention is shown, details are as follows:

In one embodiment of this invention, with reference to Figure 12, the modules that the core banking system is included are for holding Each step in row Fig. 6 corresponding embodiment, referring specifically to the associated description in Fig. 6 and Fig. 6 corresponding embodiment, herein not It repeats again.In the embodiment of the present invention, as shown in figure 12, on the basis of above-mentioned modular structure, the core banking system is also wrapped Include transaction results sending module 1201.

Transaction results sending module 1201, for sending transaction results according to the transaction results inquiry request received.

In embodiments of the present invention, transaction results sending module 1201 is sent according to the transaction results inquiry request received Transaction results, so that fund pool management control system retracts to fund pool amount in Fail Transaction, when trading successfully Updating stateful transaction is to trade successfully, has ensured the accuracy and integrality of Transaction Information.

Figure 13 shows another implementation process of fund pool management control method provided in an embodiment of the present invention, for the ease of Illustrate, only parts related to embodiments of the present invention are shown, and details are as follows:

As shown in figure 13, fund pool management control method comprising:

Step 401, core banking system sends account balance text；

It is interacted in view of fund pool management control system with core banking system, and fund provided in an embodiment of the present invention In the management control method of pond, the part applied to fund pool management control system is applied to fund pool management control with shown in FIG. 1 The fund pool management control method of system processed is corresponding, and the part applied to core banking system is applied to core with shown in Fig. 4 The fund pool management control method of heart banking system is corresponding, and the embodiment of the present invention is specifically referring to Figure 1 and fund shown in Fig. 4 This is no longer described in detail in pond management control method, the embodiment of the present invention.

In embodiments of the present invention, core banking system sends account balance text to fund pool management control system, money Golden pond management control system receives the account balance text that core banking system is sent, according at the beginning of the account balance text received Beginningization fund pool amount, core banking system is controlled by the online transmission Transaction Information of message queue mode to fund pool management is System, fund pool management control system receive Transaction Information of the core banking system by the online transmission of message queue mode, according to The Transaction Information real-time update fund pool amount received, so as to effectively realize the management control to fund pool.Meanwhile this The management control of fund pool is placed on core by way of information exchange (transmission, reception etc.) or synchronizing information by inventive embodiments Except banking system, the influence to core banking system is reduced to the full extent, ensures the operational efficiency of core banking system And runnability.

In one embodiment of this invention, on the basis of the method and step shown in above-mentioned Figure 13, fund pool manages controlling party Method, further includes:

Step 501, core banking system sends batch transaction text；

It is interacted in view of fund pool management control system with core banking system, and fund provided in an embodiment of the present invention In the management control method of pond, the part applied to fund pool management control system is applied to fund pool management control with shown in Fig. 2 The fund pool management control method of system processed is corresponding, and the part applied to core banking system is applied to core with shown in fig. 5 The fund pool management control method of heart banking system is corresponding, and the embodiment of the present invention specifically refers to Fig. 2 and fund shown in fig. 5 This is no longer described in detail in pond management control method, the embodiment of the present invention.

In embodiments of the present invention, core banking system sends batch transaction text to fund pool management control system, money Golden pond management control system receives the batch transaction text that core banking system is sent, according to the batch transaction text pair received The Transaction Information of loss carries out amended record, can ensure the integrality of Transaction Information and comprehensive.

Step 503, the correspondence that the transaction response results that core banking system is requested and received according to account trading are sent The trading processing result of account；

In embodiments of the present invention, using core banking system first to file (sending account trading request), fund pool management Control system requests to carry out payment management control to fund pool according to the account trading of core banking system, updates fund pool volume Degree can be avoided account overdraw fund pool amount, realize and control the effective payment management of fund pool.

In one embodiment of this invention, on the basis of above method step, fund pool management control method is also wrapped It includes:

Step 601, core banking system sends transaction results according to the transaction results inquiry request received；

It is interacted in view of fund pool management control system with core banking system, and fund provided in an embodiment of the present invention In the management control method of pond, the part applied to fund pool management control system is applied to fund pool management control with shown in Fig. 3 The fund pool management control method of system processed is corresponding, and the part applied to core banking system is applied to core with shown in fig. 6 The fund pool management control method of heart banking system is corresponding, and the embodiment of the present invention specifically refers to Fig. 3 and fund shown in fig. 6 This is no longer described in detail in pond management control method, the embodiment of the present invention.

Figure 14 shows another functional module of fund pool management control system provided in an embodiment of the present invention, for convenient for saying Bright, only parts related to embodiments of the present invention are shown, and details are as follows:

It is interacted in view of fund pool management control system with core banking system, and fund provided in an embodiment of the present invention Pond management control system, it is partially corresponding with fund pool management control system shown in Fig. 7, it is partially silver-colored with core shown in Fig. 10 Row system is corresponding, the specific fund pool management control system shown in Figure 7 of the embodiment of the present invention and core shown in Fig. 10 This is no longer described in detail in heart banking system, the embodiment of the present invention.

In one embodiment of this invention, the modules for being included with reference to Figure 14, the fund pool management control system For executing each step in Figure 13 corresponding embodiment, retouched referring specifically to the correlation in Figure 13 and Figure 13 corresponding embodiment It states, details are not described herein again.In the embodiment of the present invention, as shown in figure 14, the fund pool management control system, including

Account balance text sending module 1001, for sending account balance text.

Initialization module 701, for receiving the account balance text of core banking system transmission, according to the account received Remaining sum text initializes fund pool amount.

In embodiments of the present invention, account balance text sending module 1001 sends account balance text, initialization module The 701 account balance text initialization fund pool amounts sent according to the core banking system received, Transaction Information send mould Block 1002 is by the online transmission Transaction Information of message queue mode, and then update module 702 is to receive core banking system logical After crossing the Transaction Information of the online transmission of message queue mode, according to the Transaction Information real-time update fund pool amount received, from And it can effectively realize the management control to fund pool.The embodiment of the present invention passes through information exchange (transmission, reception etc.) or information The management control of fund pool is placed on except core banking system by synchronous mode, is reduced to the full extent to core department of banking The influence of system ensures the operational efficiency and runnability of core banking system.

In one embodiment of this invention, on the basis of the modular structure shown in above-mentioned Figure 14, fund pool management control system System further includes batch transaction text sending module 1101 and amended record module 801.

Batch transaction text sending module 1101, for sending batch transaction text.

It is interacted in view of fund pool management control system with core banking system, and fund provided in an embodiment of the present invention Pond management control system, it is partially corresponding with fund pool management control system shown in Fig. 8, it is partially silver-colored with core shown in Figure 11 Row system is corresponding, core shown in specific fund pool management control system and Figure 11 shown in Figure 8 of the embodiment of the present invention This is no longer described in detail in heart banking system, the embodiment of the present invention.

In embodiments of the present invention, batch transaction text sending module 1101 sends batch transaction text, amended record module 801 The batch that core banking system is sent is received to trade text, according to the batch transaction text received to the Transaction Information of loss into Row amended record can ensure the integrality of Transaction Information and comprehensive.

In one embodiment of this invention, on the basis of above-mentioned modular structure, fund pool management control system further includes Account trading request sending module 1102, transaction response results sending module 802, trading processing result sending module 1103 and friendship Easy to handle result receiving module 803.

In embodiments of the present invention, account trading request sending module 1102 passes through Customer Information Control System connection type Account trading request is sent, transaction response results sending module 802 receives core banking system and passes through Customer Information Control System The account trading request that connection type is sent sends transaction response results to core bank according to the account trading request received System, the correspondence that the transaction response results that trading processing result sending module 1103 is requested and received according to account trading are sent The trading processing of account as a result, trading processing result receiving module 803 receive core banking system requested according to account trading and The trading processing result for the corresponding account that the transaction response results received are sent.The embodiment of the present invention uses core banking system First to file (sends account trading request), and fund pool management control system is requested according to the account trading of core banking system to money Jin Chi carries out payment management control, updates fund pool amount, can be avoided account overdraw fund pool amount, and realization has fund pool The payment management of effect controls.

In one embodiment of this invention, on the basis of above-mentioned modular structure, fund pool management control system further includes Transaction results sending module 1201, inquiry request sending module 901, rollback module 902 and state update module 903.

It is interacted in view of fund pool management control system with core banking system, and fund provided in an embodiment of the present invention Pond management control system, it is partially corresponding with fund pool management control system shown in Fig. 9, it is partially silver-colored with core shown in Figure 12 Row system is corresponding, core shown in specific fund pool management control system and Figure 12 shown in Figure 9 of the embodiment of the present invention This is no longer described in detail in heart banking system, the embodiment of the present invention.

In embodiments of the present invention, transaction results sending module 1201 is sent according to the transaction results inquiry request received Transaction results, if inquiry request sending module 901 does not receive what core banking system was requested and received according to account trading The trading processing of the corresponding account that response results of trading are sent as a result, send transaction results inquiry request to core banking system, If the transaction results that the core banking system that rollback module 902 receives is sent are Fail Transaction, according to the transaction of Fail Transaction As a result fund pool amount is retracted to preceding state of trading, if what the core banking system that state update module 903 receives was sent Transaction results are to trade successfully, are set to stateful transaction according to successful transaction results of trading and trade successfully, can further protect Hinder the accuracy of Transaction Information.

In conclusion the embodiment of the present invention is initialized according to the account balance text that the core banking system received is sent Fund pool amount, and then after receiving Transaction Information of the core banking system by the online transmission of message queue mode, according to The Transaction Information real-time update fund pool amount received, so as to effectively realize the management control to fund pool；In addition, this The management control of fund pool is placed on core by way of information exchange (transmission, reception etc.) or synchronizing information by inventive embodiments Except banking system, the influence to core banking system is reduced to the full extent, ensures the operational efficiency of core banking system And runnability.

Fund pool management control method, system and core banking system provided in an embodiment of the present invention have beneficial below Effect:

(1) fund pool amount is initialized according to account balance text, according to Transaction Information real-time update fund pool amount, energy It is enough to reduce the influence to core banking system to the full extent while effectively realizing that the management to fund pool controls, it ensures The operational efficiency and runnability of core banking system.It is able to solve core banking system and handles complicated structure of accounts Financial Problem Difficulty, have stronger practicability；

(2) amended record is carried out to the Transaction Information of loss according to batch transaction text, ensures the integrality of Transaction Information and complete Face property；

(3) using the side of core banking system first to file (sending account trading to request to fund pool management control system) Formula, fund pool management control system request to carry out fund pool payment management control update fund pool amount according to account trading, It can be avoided account overdraw fund pool amount, realize and control the effective payment management of fund pool that there is stronger safety；

(4) core banking system can accurately be understood and grasped to the trading processing result of proper account；

(5) fund pool management control system retracts fund pool amount to transaction when transaction results are Fail Transaction State；When transaction results are to trade successfully, stateful transaction is set to and is traded successfully, can further ensure the standard of Transaction Information True property；

(6) synchronization mechanism has ensured the efficient and accuracy of account information, Transaction Information and fund pool amount；

(7) scalability: by independently of the peripheral system except core banking system, i.e. fund pool management control system is special Door responsible managed fund pond amount facilitates control and the various types of fund pools of extension, every in fund pool management control system Increase a kind of new fund pool type or fund pool management control method (mode), it will not be to the operation of core banking system Efficiency and runnability generate big influence, have greatly ensured the operational efficiency and runnability of core banking system.

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.

Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects Describe in detail it is bright, it should be understood that the above is only a specific embodiment of the present invention, the guarantor being not intended to limit the present invention Range is protected, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in this Within the protection scope of invention.

Claims

1. a kind of fund pool management control method characterized by comprising

The account balance text that core banking system is sent is received, fund pool volume is initialized according to the account balance text received Degree；

Transaction Information of the core banking system by the online transmission of message queue mode is received, it is real according to the Transaction Information received Shi Gengxin fund pool amount.

2. the method as described in claim 1, which is characterized in that further include:

The batch transaction text that core banking system is sent is received, the transaction of loss is believed according to the batch transaction text received Breath carries out amended record.

3. the method as described in claim 1, which is characterized in that further include:

The account trading request that core banking system is sent by Customer Information Control System connection type is received, according to receiving Account trading request send transaction response results to core banking system；

Receive the friendship for the corresponding account that the transaction response results that core banking system is requested and received according to account trading are sent Easy to handle result.

4. method as claimed in claim 3, which is characterized in that further include:

If not receiving the correspondence account that the transaction response results that core banking system is requested and received according to account trading are sent The trading processing at family is as a result, send transaction results inquiry request to core banking system；

If the transaction results that the core banking system received is sent are Fail Transaction, will be provided according to the transaction results of Fail Transaction Golden pond amount retracts to preceding state of trading；

If the transaction results that the core banking system received is sent are to trade successfully, according to trading, successful transaction results will be handed over Easy state, which is set to, trades successfully.

5. a kind of fund pool management control method, which is characterized in that be applied to core banking system, comprising:

Core banking system sends account balance text；

Core banking system passes through the online transmission Transaction Information of message queue mode.

6. method as claimed in claim 5, which is characterized in that further include:

Core banking system sends batch transaction text；And/or

Further include:

Core banking system sends account trading request by Customer Information Control System connection type；

At the transaction for the corresponding account that core banking system is sent according to the transaction response results that account trading is requested and received Manage result；And/or

Further include:

Core banking system sends transaction results according to the transaction results inquiry request received.

7. a kind of fund pool management control system characterized by comprising

Initialization module, for receiving the account balance text of core banking system transmission, according to the account balance text received This initialization fund pool amount；

Update module, for receiving core banking system by the Transaction Information of the online transmission of message queue mode, according to reception The Transaction Information real-time update fund pool amount arrived.

8. a kind of core banking system characterized by comprising

Account balance text sending module, for sending account balance text；

9. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor Calculation machine program, which is characterized in that the processor realizes any side of claim 1 to 6 when executing the computer program Method.

10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has perform claim It is required that the computer program of 1 to 6 any the method.