CN110796551A - Automatic control method, device and system for fund management - Google Patents
Automatic control method, device and system for fund management Download PDFInfo
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- CN110796551A CN110796551A CN201910914498.5A CN201910914498A CN110796551A CN 110796551 A CN110796551 A CN 110796551A CN 201910914498 A CN201910914498 A CN 201910914498A CN 110796551 A CN110796551 A CN 110796551A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses an automatic control method, a device, a system and a computer readable medium for fund management, wherein the method comprises the steps of reading fund routing rules, and adjusting fund account attributes of a user according to the fund routing rules; and receiving a fund use request sent by a user, and allocating funds for the user according to the fund use request and the fund account attribute of the user. The invention provides automatic control of fund management through fund routing rules, and solves the problems that the prior Internet financial platform has low fund manual allocation efficiency and the fund is at risk due to communication deviation. The technical scheme of the invention reduces the communication cost of business personnel and improves the working efficiency and the fund utilization rate.
Description
Technical Field
The invention relates to the field of computer information processing, in particular to an automatic control method, device and system for fund management.
Background
With the rapid development of mobile internet technology, online financing becomes the first point of interest in the internet finance field, more and more financing users start to move from an offline traditional counter to an online financing platform, and various financing platforms and financing products thereof are in endless. However, the fund collected by the financial platform needs to be effectively utilized, the available fund needs to be distributed to the corresponding asset party according to the business needs, and when the fund is sufficient in some time period, the fund needs to be temporarily reserved for allocation when the fund is insufficient.
Taking the fund use of the emerging internet financial platform as an example, after a business person plans the recent fund, the business person needs to notify each asset party offline, the asset party controls the fund use amount to the internet financial platform from an entrance, if the fund use amount is adjusted, the business person needs to notify the asset party again, and the asset party adjusts again from the entrance, so that the communication is very troublesome, the understanding deviation in the communication process is easy to occur, and the working efficiency is very low.
Disclosure of Invention
The invention aims to solve the technical problems that the manual fund distribution efficiency of the existing Internet financial platform is low, and the fund risk is caused by the deviation of communication.
In order to solve the above technical problem, a first aspect of the present invention provides an automatic control method for fund management, including:
reading a fund routing rule, and adjusting the fund account attribute of the user according to the fund routing rule;
and receiving a fund use request sent by a user, and allocating funds for the user according to the fund use request and the fund account attribute of the user.
According to a preferred embodiment of the invention, the funds routing rule includes at least one of the following information: the rule using date, the user daily highest fund amount corresponding to the rule using date and the user priority.
According to a preferred embodiment of the present invention, further comprising:
detecting whether a capital routing rule exists on the same day, and if not, alarming;
and detecting whether the fund routing rule exists in the next day or not, and if not, alarming.
According to a preferred embodiment of the present invention, the money routing profile further includes a type of alarm of the user, an alarm threshold of the user.
According to a preferred embodiment of the present invention, the reading the fund routing rule, and the adjusting the fund account attribute of the user according to the fund routing rule comprises:
and allocating fund amount to the fund account of the user according to the user priority and the daily highest fund amount of the user in the fund routing configuration file.
According to a preferred embodiment of the present invention, allocating a fund amount to the fund account of the user according to the user priority in the fund routing configuration file and the daily highest fund amount of the user comprises:
when the amount of funds is limited, limited funds are limitedly allocated to the user with the high priority.
According to a preferred embodiment of the present invention, allocating a fund amount to the fund account of the user according to the user priority in the fund routing configuration file and the daily highest fund amount of the user comprises:
when the fund amount is large enough, after the fund amount is distributed to each user according to the priority, when the fund amount is surplus, the surplus fund amount is distributed to the bottom-holding users.
According to a preferred embodiment of the present invention, receiving a request for use of funds sent by a user, allocating funds for the user based on the request for use of funds and the user's funding account attributes comprises:
receiving a fund use request sent by a user, wherein the fund use request comprises a use amount;
judging whether the fund limit meets the use limit requirement or not, and if not, returning alarm information to the user;
and if the fund limit meets the use limit requirement, allocating funds to the user.
According to a preferred embodiment of the present invention, the allocating funds to the user comprises:
pre-freezing the corresponding amount in the fund amount degree of the user according to the use amount contained in the fund use request;
acquiring information for paying money to a user;
judging whether the payment is successful, if so, deducting the pre-frozen amount from the fund amount, and sending a payment success notification to the user; and if the payment fails, unfreezing the prefrozen amount, recovering the fund amount of the user, and sending a payment failure notice to the user. A second aspect of the present invention provides an automatic control device for fund management, comprising:
the account management module is used for reading the fund routing rule and adjusting the fund account attribute of the user according to the fund routing rule;
and the fund distribution module is used for receiving a fund use request sent by the user and distributing funds for the user according to the fund use request and the fund account attribute of the user.
According to a preferred embodiment of the invention, the funds routing rule includes at least one of the following information: and the rule using date, the highest fund amount of the user corresponding to the rule using date and the priority of the user.
According to a preferred embodiment of the present invention, the method further comprises
Detecting whether a capital routing rule of the current day exists or not, and if not, sending an alarm;
and detecting whether the fund routing rule exists in the next day or not, and if not, alarming.
According to a preferred embodiment of the invention, the money routing rule further comprises an alarm type of the user, an alarm threshold of the user.
According to a preferred embodiment of the present invention, the reading the fund routing rule, and the adjusting the fund account attribute of the user according to the fund routing rule comprises:
and allocating fund amount to the fund account of the user according to the user priority and the daily highest fund amount of the user in the fund routing configuration file.
According to a preferred embodiment of the present invention, allocating a fund amount to the fund account of the user according to the user priority in the fund routing configuration file and the daily highest fund amount of the user comprises:
when the amount of funds is limited, limited funds are limitedly allocated to the user with the high priority.
According to a preferred embodiment of the present invention, allocating a fund amount to the fund account of the user according to the user priority in the fund routing configuration file and the daily highest fund amount of the user comprises:
when the fund amount is large enough, after the fund amount is distributed to each user according to the priority, when the fund amount is surplus, the surplus fund amount is distributed to the bottom-holding users.
According to a preferred embodiment of the present invention, receiving a request for use of funds sent by a user, allocating funds for the user based on the request for use of funds and the user's funding account attributes comprises:
receiving a fund use request sent by a user, wherein the fund use request comprises a use amount;
judging whether the fund limit meets the use limit requirement or not, and if not, returning alarm information to the user;
and if the fund limit meets the use limit requirement, allocating funds to the user.
According to a preferred embodiment of the present invention, the allocating funds to the user comprises:
pre-freezing the corresponding amount in the fund amount degree of the user according to the use amount contained in the fund use request;
acquiring information for paying money to a user;
judging whether the payment is successful, if so, deducting the pre-frozen amount from the fund amount, and sending a payment success notification to the user; and if the payment fails, unfreezing the prefrozen amount, recovering the fund amount of the user, and sending a payment failure notice to the user.
A third aspect of the invention provides an automated control system for funds management, comprising:
a storage unit for storing a computer executable program;
and the processing unit is used for reading the computer executable program in the storage unit so as to execute the automatic control method of fund management.
A fourth aspect of the present invention is directed to a computer-readable medium storing a computer-readable program, wherein the computer-readable program is configured to execute the automatic control method for money management.
The invention provides automatic control of fund management through fund routing rules, and solves the problems that the prior Internet financial platform has low fund manual allocation efficiency and the fund is at risk due to communication deviation. The technical scheme of the invention reduces the communication cost of business personnel and improves the working efficiency and the fund utilization rate.
Drawings
In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects obtained more clear, the following will describe in detail the embodiments of the present invention with reference to the accompanying drawings. It should be noted, however, that the drawings described below are only illustrations of exemplary embodiments of the invention, from which other embodiments can be derived by those skilled in the art without inventive step.
FIG. 1 is a schematic flow diagram of an automated control method for funds management in an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating the allocation of funds to a user in accordance with a request for use of funds from the user in an embodiment of the present invention;
FIG. 3 is a flowchart illustrating the detailed operation of allocating funds to a user in an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an automatic control device for fund management in the embodiment of the invention;
FIG. 5 is a block diagram of an architecture of an automated control system for funds management in an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a computer-readable storage medium in an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention will now be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the invention may be embodied in many specific forms, and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art.
The structures, properties, effects or other characteristics described in a certain embodiment may be combined in any suitable manner in one or more other embodiments, while still complying with the technical idea of the invention.
In describing particular embodiments, specific details of structures, properties, effects, or other features are set forth in order to provide a thorough understanding of the embodiments by one skilled in the art. However, it is not excluded that a person skilled in the art may implement the invention in a specific case without the above-described structures, performances, effects or other features.
The flow chart in the drawings is only an exemplary flow demonstration, and does not represent that all the contents, operations and steps in the flow chart are necessarily included in the scheme of the invention, nor does it represent that the execution is necessarily performed in the order shown in the drawings. For example, some operations/steps in the flowcharts may be divided, some operations/steps may be combined or partially combined, and the like, and the execution order shown in the flowcharts may be changed according to actual situations without departing from the gist of the present invention.
The block diagrams in the figures generally represent functional entities and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different network and/or processing unit devices and/or microcontroller devices.
The same reference numerals denote the same or similar elements, components, or parts throughout the drawings, and thus, a repetitive description thereof may be omitted hereinafter. It will be further understood that, although the terms first, second, third, etc. may be used herein to describe various elements, components, or sections, these elements, components, or sections should not be limited by these terms. That is, these phrases are used only to distinguish one from another. For example, a first device may also be referred to as a second device without departing from the spirit of the present invention. Furthermore, the term "and/or", "and/or" is intended to include all combinations of any one or more of the listed items.
FIG. 1 is a schematic flow diagram of an automated control method for funds management in accordance with the present invention. As shown in fig. 1, the method of the present invention has the following steps:
and S1, reading the fund routing rule, and adjusting the fund account attribute of the user according to the fund routing rule.
In the embodiment, the fund routing rule is logged in a management background system by service personnel, a fund routing rule parameter of a certain day is newly established or modified through a routing configuration interface, and the fund amount of a user is adjusted according to service requirements.
The fund routing rule configuration file can adopt a text format, the fund routing rule is stored in a relational database, and the two sets of environment routing are respectively controlled by separating a test environment from an online environment database.
On the basis of the above scheme, further, the fund routing rule includes at least one of the following information: the rule using date, the user daily highest fund amount corresponding to the rule using date and the user priority. The daily maximum fund amount of the user is the maximum fund amount of the total fund amount which can be used by the user on the current day of the rule use date; the higher the priority of the user, the easier it is to obtain the allocation of funds.
On the basis of the above scheme, further, the method further comprises the following steps:
detecting whether a capital routing rule exists on the same day, and if not, alarming;
and detecting whether the fund routing rule exists in the next day or not, and if not, alarming.
In the embodiment, at the zero point of each day, whether the fund routing rule of the day exists is detected, if not, an alarm mail and an alarm short message are sent to business personnel to urge the business personnel to configure the fund routing rule of the day in time. And if the fund routing rule exists, reading the fund routing rule of the current day, and adjusting the fund account attribute of the user.
Besides the detection of the current-day fund routing rule, the detection of the next-day fund routing rule is also performed, if the current-day fund routing rule does not exist, an alarm mail and an alarm short message are sent to business personnel, the next-day fund routing is detected again after a certain time interval, and the time interval can be set according to needs.
On the basis of the scheme, further, the fund routing configuration file further comprises the alarm type of the user and the alarm threshold value of the user.
In this embodiment, when the fund usage in the user account exceeds a certain amount, an alarm is triggered to notify the user. The alarm types include percentage of use, remaining amount, no alarm, etc. When the alarm type is the usage percentage, the alarm threshold value of the user is the percentage of the used fund amount of the user to the highest fund amount per day; when the alarm type is the surplus limit, the alarm threshold value of the user is a specific value; when the alarm type is no alarm, the alarm threshold of the user is null.
On the basis of the above scheme, further, the reading the fund routing rule, and adjusting the fund account attribute of the user according to the fund routing rule includes:
and allocating fund amount to the fund account of the user according to the user priority and the daily highest fund amount of the user in the fund routing configuration file.
On the basis of the above scheme, further, allocating fund amount to the fund account of the user according to the user priority and the user daily highest fund amount in the fund routing configuration file comprises:
when the amount of funds is limited, limited funds are limitedly allocated to the user with the high priority.
On the basis of the above scheme, further, allocating fund amount to the fund account of the user according to the user priority and the user daily highest fund amount in the fund routing configuration file comprises:
when the fund amount is large enough, after the fund amount is distributed to each user according to the priority, when the fund amount is surplus, the surplus fund amount is distributed to the bottom-holding users.
In the embodiment, the bottom-pocket user is further arranged, and when the fund limit is surplus, the surplus fund limit is distributed to the bottom-pocket user.
And S2, receiving a fund use request sent by the user, and allocating funds for the user according to the fund use request and the fund account attribute of the user.
As shown in fig. 2, on the basis of the above scheme, further, receiving a fund use request sent by a user, and allocating funds for the user according to the fund use request and the fund account attribute of the user includes:
s210, receiving a fund use request sent by a user, wherein the fund use request comprises a use amount;
s220, judging whether the fund limit meets the use limit requirement, if so, executing S230, otherwise, executing S240;
s230, allocating funds to the user;
and S240, returning alarm information to the user.
As shown in fig. 3, based on the above scheme, further, the allocating funds to the user includes:
s231, pre-freezing a corresponding amount in the fund amount degree of the user according to the use amount contained in the fund use request;
s232, obtaining information for paying money to the user, judging whether the paying money is successful, if so, executing S233, otherwise, executing S234;
s233, deducting the pre-frozen quota from the fund quota, and sending a payment successful notification to the user;
s234, unfreezing the prefrozen amount, recovering the fund amount of the user, and sending a payment failure notice to the user.
In this embodiment, the payment success notification may further include a current usage amount and an account remaining amount of the user, and the payment failure notification may further include a current usage amount and an account remaining amount of the user.
As shown in fig. 4, a second aspect of the present invention provides an automatic control apparatus for fund management, comprising:
the account management module 401 is configured to read a fund routing rule, and adjust a fund account attribute of a user according to the fund routing rule;
and the fund allocation module 402 is used for receiving a fund usage request sent by a user and allocating funds for the user according to the fund usage request and the fund account attribute of the user.
In the embodiment, the fund routing rule is logged in a management background system by service personnel, a fund routing rule parameter of a certain day is newly established or modified through a routing configuration interface, and the fund amount of a user is adjusted according to service requirements.
The fund routing rule configuration file can adopt a text format, the fund routing rule is stored in a relational database, and the two sets of environment routing are respectively controlled by separating a test environment from an online environment database.
On the basis of the above scheme, further, the fund routing rule includes at least one of the following information: the rule using date, the user daily highest fund amount corresponding to the rule using date and the user priority. The daily maximum fund amount of the user is the maximum fund amount of the total fund amount which can be used by the user on the current day of the rule use date; the higher the priority of the user, the easier it is to obtain the allocation of funds.
On the basis of the above scheme, further, the method further comprises the following steps:
detecting whether a capital routing rule exists on the same day, and if not, alarming;
and detecting whether the fund routing rule exists in the next day or not, and if not, alarming.
In the embodiment, at the zero point of each day, whether the fund routing rule of the day exists is detected, if not, an alarm mail and an alarm short message are sent to business personnel to urge the business personnel to configure the fund routing rule of the day in time. And if the fund routing rule exists, reading the fund routing rule of the current day, and adjusting the fund account attribute of the user.
Besides the detection of the current-day fund routing rule, the detection of the next-day fund routing rule is also performed, if the current-day fund routing rule does not exist, an alarm mail and an alarm short message are sent to business personnel, the next-day fund routing is detected again after a certain time interval, and the time interval can be set according to needs.
On the basis of the scheme, further, the fund routing configuration file further comprises the alarm type of the user and the alarm threshold value of the user.
In this embodiment, when the fund usage in the user account exceeds a certain amount, an alarm is triggered to notify the user. The alarm types include percentage of use, remaining amount, no alarm, etc. When the alarm type is the usage percentage, the alarm threshold value of the user is the percentage of the used fund amount of the user to the highest fund amount per day; when the alarm type is the surplus limit, the alarm threshold value of the user is a specific value; when the alarm type is no alarm, the alarm threshold of the user is null.
On the basis of the above scheme, further, the reading the fund routing rule, and adjusting the fund account attribute of the user according to the fund routing rule includes:
and allocating fund amount to the fund account of the user according to the user priority and the daily highest fund amount of the user in the fund routing configuration file.
On the basis of the above scheme, further, allocating fund amount to the fund account of the user according to the user priority and the user daily highest fund amount in the fund routing configuration file comprises:
when the amount of funds is limited, limited funds are limitedly allocated to the user with the high priority.
On the basis of the above scheme, further, allocating fund amount to the fund account of the user according to the user priority and the user daily highest fund amount in the fund routing configuration file comprises:
when the fund amount is large enough, after the fund amount is distributed to each user according to the priority, when the fund amount is surplus, the surplus fund amount is distributed to the bottom-holding users.
In the embodiment, the bottom-pocket user is further arranged, and when the fund limit is surplus, the surplus fund limit is distributed to the bottom-pocket user.
According to a preferred embodiment of the present invention, receiving a request for use of funds sent by a user, allocating funds for the user based on the request for use of funds and the user's funding account attributes comprises:
receiving a fund use request sent by a user, wherein the fund use request comprises a use amount;
judging whether the fund limit meets the use limit requirement or not, and if not, returning alarm information to the user;
and if the fund limit meets the use limit requirement, allocating funds to the user.
According to a preferred embodiment of the present invention, the allocating funds to the user comprises:
pre-freezing the corresponding amount in the fund amount degree of the user according to the use amount contained in the fund use request;
acquiring information for paying money to a user;
judging whether the payment is successful, if so, deducting the pre-frozen amount from the fund amount, and sending a payment success notification to the user; and if the payment fails, unfreezing the prefrozen amount, recovering the fund amount of the user, and sending a payment failure notice to the user.
In this embodiment, the payment success notification may further include a current usage amount and an account remaining amount of the user, and the payment failure notification may further include a current usage amount and an account remaining amount of the user.
As shown in fig. 5, an automatic control system for fund management is further disclosed in an embodiment of the present invention, and the automatic control system shown in fig. 5 is only an example and should not bring any limitation to the functions and the scope of the embodiment of the present invention.
An automated control system for funds management 500 comprising a storage unit 520 for storing a computer executable program; a processing unit 510 for reading the computer executable program in the storage unit to perform the steps of various embodiments of the present invention.
The automatic control system 500 for money management in this embodiment further includes a bus 530 connecting different system components (including the storage unit 520 and the processing unit 510), a display unit 540, and the like.
The storage unit 520 stores a computer readable program, which may be a code of a source program or a read-only program. The program may be executed by the processing unit 510 such that the processing unit 510 performs the steps of various embodiments of the present invention. For example, the processing unit 510 may perform the steps as shown in fig. 1.
The memory unit 520 may include a readable medium in the form of a volatile memory unit, such as a random access memory unit (RAM)5201 and/or a cache memory unit 5202, and may further include a read only memory unit (ROM) 5203. The memory unit 520 may also include a program/utility 5204 having a set (at least one) of program modules 5205, such program modules 5205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The automated funds management system 500 may also communicate with one or more external devices 570 (e.g., keyboard, display, network device, bluetooth device, etc.) such that a user may interact with the processing unit 510 via input/output (I/O) interfaces 550 via these external devices 570, and may also interact with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet, via network adapter 560. The network adapter 560 may communicate with other modules of the automated funds management control system 500 via the bus 530. It should be understood that, although not shown in the figures, other hardware and/or software modules may be used in the automated funds management control system 500, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
FIG. 6 is a schematic diagram of one computer-readable medium embodiment of the present invention. As shown in fig. 6, the computer program may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a random access memory unit (RAM), a read-only memory unit (ROM), an erasable programmable read-only memory unit (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory unit (CD-ROM), an optical storage unit, a magnetic storage unit, or any suitable combination of the foregoing. The computer program, when executed by one or more data processing devices, enables the computer-readable medium to implement the above-described method of the invention, namely:
s1, reading a fund routing rule, and adjusting the fund account attribute of the user according to the fund routing rule;
and S2, receiving a fund use request sent by the user, and allocating funds for the user according to the fund use request and the fund account attribute of the user.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments of the present invention described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a data processing device (which can be a personal computer, a server, or a network device, etc.) execute the above-mentioned method according to the present invention.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
While the foregoing embodiments have described the objects, aspects and advantages of the present invention in further detail, it should be understood that the present invention is not inherently related to any particular computer, virtual machine or electronic device, and various general-purpose machines may be used to implement the present invention. The invention is not to be considered as limited to the specific embodiments thereof, but is to be understood as being modified in all respects, all changes and equivalents that come within the spirit and scope of the invention.
Claims (10)
1. An automatic control method for fund management, characterized by comprising:
reading a fund routing rule, and adjusting the fund account attribute of the user according to the fund routing rule;
and receiving a fund use request sent by a user, and allocating funds for the user according to the fund use request and the fund account attribute of the user.
2. The automated control method of claim 1, wherein the funds routing rule includes at least one of the following information: the rule using date, the user daily highest fund amount corresponding to the rule using date and the user priority.
3. The automatic control method according to any one of claims 1 to 2, further comprising:
detecting whether a capital routing rule exists on the same day, and if not, alarming;
and detecting whether the fund routing rule exists in the next day or not, and if not, alarming.
4. The automated control method of any of claims 1 to 3, wherein the funds routing profile further comprises a type of alert for the user, an alert threshold for the user.
5. The automated control method of any of claims 1 to 4, wherein the reading the funds routing rule, the adjusting the user's funds account attributes according to the funds routing rule comprises:
and allocating fund amount to the fund account of the user according to the user priority and the daily highest fund amount of the user in the fund routing configuration file.
6. The automatic control method of any one of claims 1 to 5, wherein allocating a fund amount for a fund account of a user according to a user priority in the fund routing profile and a user daily maximum fund amount comprises:
when the amount of funds is limited, limited funds are limitedly allocated to the user with the high priority.
7. The automatic control method of any one of claims 1 to 6, wherein allocating a fund amount for a fund account of a user according to a user priority in the fund routing profile and a user daily maximum fund amount comprises:
when the fund amount is large enough, after the fund amount is distributed to each user according to the priority, when the fund amount is surplus, the surplus fund amount is distributed to the bottom-holding users.
8. An automatic control device for fund management, comprising:
the account management module is used for reading the fund routing rule and adjusting the fund account attribute of the user according to the fund routing rule;
and the fund distribution module is used for receiving a fund use request sent by the user and distributing funds for the user according to the fund use request and the fund account attribute of the user.
9. An automated control system for funds management, comprising:
a storage unit for storing a computer executable program;
a processing unit for reading a computer executable program in the memory unit to perform the method of automated control of funds management of any of claims 1 to 7.
10. A computer-readable medium storing a computer-readable program for executing the automatic control method of funds management according to any one of claims 1 to 7.
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| CN201910914498.5A CN110796551A (en) | 2019-09-26 | 2019-09-26 | Automatic control method, device and system for fund management |
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| CN201910914498.5A CN110796551A (en) | 2019-09-26 | 2019-09-26 | Automatic control method, device and system for fund management |
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| CN (1) | CN110796551A (en) |
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