CN111027967A - Fund management method and device - Google Patents
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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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
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Abstract
The application provides a fund management method and a fund management device, wherein the fund management method comprises the following steps: in the process of managing funds distributed to a cash-out sub-account corresponding to a mechanism to be processed, combining the reserve payment of the payment mechanism to be processed, acquiring historical average cash-out amount corresponding to cash-out service of the cash-out sub-account, and acquiring an account amount distribution model corresponding to the mechanism to be processed; determining the allocation amount of the money-drawing account according to the account amount allocation model and the historical average money-drawing degree; and according to the allocated amount, taking out corresponding funds from the reserve payment and storing the corresponding funds in the money outlet sub-account. Therefore, fund distribution is accurately realized for the cash-out sub-account by combining the account amount distribution model corresponding to the payment mechanism and the historical average cash-out degree corresponding to the cash-out sub-account, so that invalid allocation of internal liquidity in the later-stage management platform can be reduced, the accuracy and the service success rate supported by the cash-out service of the subsequent management platform are improved, and the continuous operation of the cash-out service of the management platform is ensured.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for fund management.
Background
In the process of managing the funds of the cash-out sub-account of the payment institution through the reserve payment management platform, in the related art, the common practice is to: according to the prepared payment of the payment mechanism, allocation quota is manually allocated to the cash-out sub-account of the payment mechanism, however, in the manual allocation quota allocation process, unreasonable quota allocation easily causes the shortage of liquidity of the payment mechanism, the success rate of cash-out service transaction is low, and a large amount of manpower is required to be invested for monitoring and maintenance, so that the operation and maintenance cost is high.
Disclosure of Invention
The present application is directed to solving, at least to some extent, one of the technical problems in the related art.
To this end, a first object of the present application is to propose a method of fund management.
A second object of the present application is to propose a money management device.
A third object of the present application is to propose a money management device.
A fourth object of the present application is to propose a computer readable storage medium.
In order to achieve the above object, an embodiment of a first aspect of the present application provides a fund management method, which is applied in a reimbursement management platform, and the method includes: acquiring a spare payment of a payment mechanism to be processed; acquiring a cash-out sub-account corresponding to the mechanism to be processed, and acquiring historical average cash-out amount of cash-out service of the cash-out sub-account; acquiring an account quota allocation model corresponding to the mechanism to be processed; determining the allocation limit of the cash-out sub-account according to the account limit allocation model and the historical average cash-out limit; and taking out corresponding funds from the reserve payment according to the allocated amount and storing the corresponding funds in the money outlet sub-account.
In the fund management method provided by the embodiment of the application, in the process of managing the fund distributed to the fund outlet sub-account corresponding to the mechanism to be processed, the reserve payment of the payment mechanism to be processed is combined, the historical average fund outlet limit corresponding to the fund outlet service of the fund outlet sub-account is obtained, and an account limit distribution model corresponding to the mechanism to be processed is obtained; determining the allocation amount of the money-drawing account according to the account amount allocation model and the historical average money-drawing degree; and according to the allocated amount, taking out corresponding funds from the reserve payment and storing the corresponding funds in the money outlet sub-account. Therefore, fund distribution is accurately realized for the cash-out sub-account by combining the account amount distribution model corresponding to the payment mechanism and the historical average cash-out degree corresponding to the cash-out sub-account, so that invalid allocation of internal liquidity in the later-stage management platform can be reduced, the accuracy and the service success rate supported by the cash-out service of the subsequent management platform are improved, and the continuous operation of the cash-out service of the management platform is ensured. In addition, fund distribution is accurately realized for the cash-out sub-account based on the historical average cash-out degree of the corresponding cash-out sub-account, dependence of the cash-out sub-account on the primary and secondary accounts can be reduced, the pressure of availability and reliability of a management platform is relieved, and effective support is provided for continuous development of services.
Further, before the obtaining the historical average withdrawal amount of the withdrawal service of the withdrawal sub-account, the method includes: acquiring historical cash-out transaction data of the cash-out sub-account within preset time before the current time; determining the historical payment amount of the money-making sub-account per minute according to the historical payment transaction data; and averaging all the determined historical cash-out degrees to obtain the historical average cash-out amount of the cash-out sub-account cash-out service.
Further, the determining the allocation limit of the cash-out sub-account according to the account limit allocation model and the historical average cash-out limit includes: and calculating the allocation limit of the money outlet sub-account by adopting the account limit allocation model according to the historical average money outlet limit.
Further, the account quota allocation model calculates the allocation quota of the cash-out account by the following formula:
wherein, W represents the distribution amount of the money-out account, α represents the available amount index of the mechanism to be processed, β represents the transaction characteristic index of the mechanism to be processed, and the W represents the distribution amount of the money-out account, the index represents the available amount index of the mechanism to be processed, and the index represents the transaction characteristic index of the mechanism to be processed
And the historical average out-payment amount is represented, wherein the available amount index is used for representing the available amount scale of the mechanism to be processed, and the transaction characteristic index is used for representing the transaction and liquidity management capability of the mechanism to be processed.
Further, the obtaining of the account quota allocation model corresponding to the to-be-processed mechanism includes: acquiring the mechanism type of the mechanism to be processed; and acquiring an account quota allocation model corresponding to the mechanism to be processed according to the mechanism type.
In order to achieve the above object, a fund management device applied in a pay-as-you-go management platform is provided in an embodiment of the second aspect of the present application, the device includes: the first acquisition module is used for acquiring the reserve payment of the payment mechanism to be processed; the second acquisition module is used for acquiring the cash-out sub-account corresponding to the mechanism to be processed and acquiring the historical average cash-out amount of the cash-out service of the cash-out sub-account; the third acquisition module is used for acquiring an account quota allocation model corresponding to the mechanism to be processed; the first determining module is used for determining the allocation limit of the cash-out sub-account according to the account limit allocation model and the historical average cash-out limit; and the distribution module is used for taking out corresponding funds from the reserve payment and storing the corresponding funds in the cash-out sub-account according to the distribution amount.
Further, the apparatus further comprises: the fourth acquisition module is used for acquiring historical cash-out transaction data of the cash-out sub-account within preset time before the current time; the second determination module is used for determining the historical cash-out amount per minute of the cash-out sub-account according to the historical cash-out transaction data; and the processing module is used for carrying out averaging processing on all the determined historical cash-out degrees so as to obtain the historical average cash-out limit of the cash-out service of the cash-out sub-account.
Further, the first determining module is specifically configured to: and calculating the allocation limit of the money outlet sub-account by adopting the account limit allocation model according to the historical average money outlet limit.
Further, the account quota allocation model calculates the allocation quota of the cash-out account by the following formula:
wherein, W represents the allocation quota of the cash-out sub-account, α represents the available quota index of the mechanism to be processed, β represents the pending mechanism to be processedAn index of transaction characteristics of an organization, said
And the historical average out-payment amount is represented, wherein the available amount index is used for representing the available amount scale of the mechanism to be processed, and the transaction characteristic index is used for representing the transaction and liquidity management capability of the mechanism to be processed.
Further, the third obtaining module is specifically configured to: acquiring the mechanism type of the mechanism to be processed; and acquiring an account quota allocation model corresponding to the mechanism to be processed according to the mechanism type.
The fund management device provided by the embodiment of the application combines the reserve payment of the payment mechanism to be processed in the process of managing the fund distributed to the fund outlet sub-account corresponding to the mechanism to be processed, acquires the historical average fund outlet amount corresponding to the fund outlet service of the fund outlet sub-account, and acquires the account amount distribution model corresponding to the mechanism to be processed; determining the allocation amount of the money-drawing account according to the account amount allocation model and the historical average money-drawing degree; and according to the allocated amount, taking out corresponding funds from the reserve payment and storing the corresponding funds in the money outlet sub-account. Therefore, fund distribution is accurately realized for the cash-out sub-account by combining the account amount distribution model corresponding to the payment mechanism and the historical average cash-out degree corresponding to the cash-out sub-account, so that invalid allocation of internal liquidity in the later-stage management platform can be reduced, the accuracy and the service success rate supported by the cash-out service of the subsequent management platform are improved, and the continuous operation of the cash-out service of the management platform is ensured. In addition, fund distribution is accurately realized for the cash-out sub-account based on the historical average cash-out degree of the corresponding cash-out sub-account, dependence of the cash-out sub-account on the primary and secondary accounts can be reduced, the pressure of availability and reliability of a management platform is relieved, and effective support is provided for continuous development of services.
To achieve the above object, a fund management device according to a third aspect of the present application includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the fund management method as described above when executing the computer program.
In order to achieve the above object, a fourth aspect of the present application provides a computer-readable storage medium, where instructions of the storage medium, when executed by a processor, implement the fund management method as described above.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a schematic flow chart of a fund management method according to an embodiment of the present application;
FIG. 2 is a schematic diagram of the architecture of a tertiary account in a pay-as-you-go management platform;
FIG. 3 is a schematic flow chart of another fund management method provided in an embodiment of the present application;
FIG. 4 is a schematic structural diagram of a fund management device according to an embodiment of the present application;
FIG. 5 is a schematic structural diagram of another fund management device according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of another fund management device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.
The fund management method and apparatus according to the embodiments of the present application are described below with reference to the drawings.
Fig. 1 is a schematic flow chart of a fund management method according to an embodiment of the present application. It should be noted that the main execution body of the fund management method of the embodiment is a fund management device, and the fund management device is configured in the reserve payment management platform.
The spare payment management platform is used for carrying out centralized management on payment mechanisms. The problem of hot account caused by centralized deposit and management of the reserve payment can be solved through the reserve payment management platform, and impact on a central bank system caused by small-amount high-frequency network payment transaction of a payment mechanism is prevented.
As shown in fig. 1, the fund management method may include:
The fund outlet sub-account in this embodiment is a third-level account in the reserve payment management platform, the reserve payment management platform is divided into three levels of accounts, the first-level account is a platform-level main account, the second-level account is an IDC account (Internet DateCenter account), and the third-level account includes a fund outlet sub-account and a fund inlet sub-account.
The architecture of the tertiary account in the reimbursement management platform is shown in fig. 2.
In this embodiment, in order to obtain the historical average payout amount corresponding to the payout service of the payout sub-account, before obtaining the historical average payout amount of the payout service of the payout sub-account, as shown in fig. 3, the method may further include:
The preset time is preset time in the prepaid fee management platform, and for example, the preset time may be seven days.
The preset time is seven days, which is only an example, and in practical application, the preset time may be set to other times according to actual requirements, which is not limited in this embodiment.
For example, the preset time is 7 days, the fund withdrawal transaction data of the fund withdrawal sub-account in the corresponding payment mechanism within 7 days can be obtained, the fund withdrawal transaction total in every 1 minute in the 7 days is determined according to the fund withdrawal transaction data, the average processing is carried out on all the fund withdrawal transaction total, so as to obtain the historical average fund withdrawal amount of the corresponding fund withdrawal sub-account, wherein the historical average fund withdrawal amount
I.e. the sum of the amount of the out transaction (trxAmt) in 1 minute.
In the embodiment, in order to solve the concurrent requirements of different payment mechanisms, different account amount distribution models are configured for the different payment mechanisms, so that the relative concentration of the amount of a small-sized mechanism is realized, the utilization efficiency is improved, the amount of large-sized and medium-sized mechanisms is relatively discrete, the high concurrent processing pressure of a system is shared, and the success rate of cash outlet is ensured.
In different application scenarios, the manner of obtaining the account quota allocation model corresponding to the mechanism to be processed is different, for example, as follows:
as a possible implementation manner, the account amount allocation model corresponding to the payment mechanism to be processed may be obtained according to a correspondence relationship between the pre-stored payment mechanism and the account amount allocation model.
As another possible implementation manner, the institution type of the payment institution to be processed may be obtained, and then, according to the institution type, the account amount allocation model corresponding to the institution to be processed may be obtained.
The payment institutions are classified according to the available credit index α and the transaction characteristic index β of the payment institutions, wherein the available credit index α is used for representing the available credit scale of the corresponding payment institutions, and the transaction characteristic index β is used for representing the transaction and liquidity management capability of the to-be-processed institutions.
In this embodiment, the transaction characteristic indicator β may classify payment institutions into eight institution types, B +, C +, D-, based on the available credit indicator α of the payment institution.
The payment institution's institution type is related to the available credit index α and the transaction characteristic index β, as shown in table 1.
TABLE 1
That is, in this embodiment, before obtaining the institution type of the payment institution to be processed, it is also possible to combine the available credit scale information, transaction and liquidity management capability of the payment institution to be processed, and determine the transaction characteristic index β of the payment institution to be processed according to the transaction and liquidity management capability, and determine the available credit index α of the payment institution to be processed according to the available credit scale information, and then determine the institution type of the payment institution to be processed based on the transaction characteristic index β and the available credit index α.
It can be understood that, in the embodiment, by combining the transaction characteristics of the payment mechanism and the real-time monitoring and optimizing capability, and establishing the account quota allocation model according to the transaction characteristics and the real-time monitoring and optimizing capability, the management platform participating mechanism can be managed in a full life cycle according to the account quota allocation model, and changes are responded on the basis of rules, so that the continuous operation of the management platform service is ensured.
And step 104, determining the allocation limit of the money-drawing account according to the account limit allocation model and the historical average money-drawing degree.
In this embodiment, the specific implementation manner of determining the allocation amount of the money-drawing sub-account according to the account amount allocation model and the historical average money-drawing degree is as follows: and calculating the allocation limit of the money-making sub-account by adopting an account limit allocation model according to the historical average money-making limit.
The account quota allocation model calculates the allocation quota of the gold account through the following formula:
wherein W represents the allocated amount of the money account, α represents the available amount index of the mechanism to be processed, β represents the transaction characteristic index of the mechanism to be processed,
and representing historical average out-of-credit, wherein the available credit index is used for representing the available credit scale of the mechanism to be processed, and the transaction characteristic index is used for representing the transaction and liquidity management capability of the mechanism to be processed.
Wherein, the different assignments of α and β represent the available credit scale of different organizations and the transaction and liquidity management ability of the organizations.
Assuming, for example, that the payment institution to be processed is of type B, it can be seen from table 1 that the payment institution has α -0.5, β -1.6,
wherein, it can be understood that the account quota allocation model to be processed in the embodiment is pre-established, wherein, the quota allocation model of the embodiment is established based on the following assumption,
1) the mechanism transaction scale is large;
2) the mobility management capability is strong;
3) the payment transaction peak value is higher, and P third-level payment sub-accounts are arranged;
4) the mechanism uses the available IDCs it accesses comprehensively and uniformly.
And 105, taking corresponding funds from the reserve payment according to the allocated amount and storing the corresponding funds in the money outlet sub-account.
In the fund management method, in the process of managing the fund distributed to the fund outlet sub-account corresponding to the mechanism to be processed, the reserve payment of the payment mechanism to be processed is combined, the historical average fund outlet amount corresponding to the fund outlet service of the fund outlet sub-account is obtained, and an account amount distribution model corresponding to the mechanism to be processed is obtained; determining the allocation amount of the money-drawing account according to the account amount allocation model and the historical average money-drawing degree; and according to the allocated amount, taking out corresponding funds from the reserve payment and storing the corresponding funds in the money outlet sub-account. Therefore, fund distribution is accurately realized for the cash-out sub-account by combining the account amount distribution model corresponding to the payment mechanism and the historical average cash-out degree corresponding to the cash-out sub-account, so that invalid allocation of internal liquidity in the later-stage management platform can be reduced, the accuracy and the service success rate supported by the cash-out service of the subsequent management platform are improved, and the continuous operation of the cash-out service of the management platform is ensured. In addition, fund distribution is accurately realized for the cash-out sub-account based on the historical average cash-out degree of the corresponding cash-out sub-account, dependence of the cash-out sub-account on the primary and secondary accounts can be reduced, the pressure of availability and reliability of a management platform is relieved, and effective support is provided for continuous development of services.
In addition, there is an E-type institution, and due to the particularity of the institution transaction behavior, it is necessary to perform a hierarchical account processing on part of the institution transaction amount, for example, the transaction with the institution transaction amount of less than 1000 yuan needs to be processed through a third-level account, the transaction with the amount of 1000 yuan or more needs to be processed through a second-level account, when the institution type of the payment institution to be processed is determined to be the E-type institution, the money-drawing sub-account corresponding to the institution to be processed can be obtained, the maximum historical money-drawing degree of the money-drawing service of the money-drawing sub-account is obtained, the maximum historical money-drawing degree is taken as the allocation value of the corresponding money-drawing sub-account, and corresponding funds are taken out from the reserve payment according to the allocation value and.
The maximum value of the historical money-out degree can be the maximum value of the total money-out amount of the corresponding money-out sub-account within 1 minute in the preset time before the current time.
In this embodiment, the preset time is taken as 7 days
Maximum value of historical cash-out degree
Wherein D1-D7 are expressed within 7 days.
Based on the embodiment, in order to ensure the mechanism to be safely used in a flowing manner, the implementation establishes an internet-mechanism flowing monitoring and flowing scheduling communication mechanism around an account quota distribution model, and the internet timely feeds back the mechanism flowing use condition, timely finds the phenomenon of insufficient flowing manner and establishes a mechanism flowing deficiency warning mechanism; the monitoring of key time points is pertinently strengthened, the preparation work such as liquidity scheduling is made in advance, and the safe use of the liquidity of the RCMP of the hot spot account prepending system of the payment mechanism and the continuous operation and recovery capability of the liquidity are strengthened.
It should be noted that the prepaid hot spot account front-end system RCMP in this embodiment is configured in a clearing platform (e.g., an internet platform).
Fig. 4 is a schematic structural diagram of a fund management device according to an embodiment of the present application. It should be noted that the fund management apparatus of this embodiment is applied to a spare payment management platform, and as shown in fig. 4, the fund management apparatus includes a first obtaining module 110, a second obtaining module 120, a third obtaining module 130, a first determining module 140, and a distributing module 150, where:
the first obtaining module 110 is configured to obtain a reserve payment of the pending payment mechanism.
The second obtaining module 120 is configured to obtain a cash-out sub-account corresponding to the mechanism to be processed, and obtain a historical average cash-out amount of the cash-out service of the cash-out sub-account.
And a third obtaining module 130, configured to obtain an account quota allocation model corresponding to the to-be-processed entity.
The first determining module 140 is configured to determine the allocation amount of the money-drawing account according to the account amount allocation model and the historical average money-drawing degree.
And the distribution module 150 is used for taking corresponding funds from the reserve payment to store in the money outlet sub-account according to the distribution amount.
In an embodiment of the present application, based on the embodiment shown in fig. 4, as shown in fig. 5, the apparatus may further include:
the fourth obtaining module 160 is configured to obtain historical deposit transaction data of the deposit sub-account within a preset time before the current time.
And the second determining module 170 is configured to determine the historical payout amount per minute of the payout sub-account according to the historical payout transaction data.
And the processing module 180 is configured to perform averaging processing on all the determined historical payout amount degrees to obtain a historical average payout amount of the payout service of the payout sub-account.
In an embodiment of the present application, the first determining module 140 is specifically configured to: and calculating the allocation limit of the money-making sub-account by adopting an account limit allocation model according to the historical average money-making limit.
In one embodiment of the present application, the account quota allocation model calculates the allocation quota of the gold account by the following formula:
wherein W represents the allocated amount of the money account, α represents the available amount index of the mechanism to be processed, β represents the transaction characteristic index of the mechanism to be processed,
and representing historical average out-of-credit, wherein the available credit index is used for representing the available credit scale of the mechanism to be processed, and the transaction characteristic index is used for representing the transaction and liquidity management capability of the mechanism to be processed.
In an embodiment of the present application, the third obtaining module 140 is specifically configured to: acquiring the mechanism type of a mechanism to be processed; and acquiring an account quota allocation model corresponding to the mechanism to be processed according to the type of the mechanism.
It should be noted that the explanation of the embodiment of the fund management method is also applicable to the fund management device of this embodiment, and is not repeated here.
The fund management device provided by the embodiment of the application combines the reserve payment of the payment mechanism to be processed in the process of managing the fund distributed to the fund outlet sub-account corresponding to the mechanism to be processed, acquires the historical average fund outlet amount corresponding to the fund outlet service of the fund outlet sub-account, and acquires the account amount distribution model corresponding to the mechanism to be processed; determining the allocation amount of the money-drawing account according to the account amount allocation model and the historical average money-drawing degree; and according to the allocated amount, taking out corresponding funds from the reserve payment and storing the corresponding funds in the money outlet sub-account. Therefore, fund distribution is accurately realized for the cash-out sub-account by combining the account amount distribution model corresponding to the payment mechanism and the historical average cash-out degree corresponding to the cash-out sub-account, so that invalid allocation of internal liquidity in the later-stage management platform can be reduced, the accuracy and the service success rate supported by the cash-out service of the subsequent management platform are improved, and the continuous operation of the cash-out service of the management platform is ensured. In addition, fund distribution is accurately realized for the cash-out sub-account based on the historical average cash-out degree of the corresponding cash-out sub-account, dependence of the cash-out sub-account on the primary and secondary accounts can be reduced, the pressure of availability and reliability of a management platform is relieved, and effective support is provided for continuous development of services.
Fig. 6 is a schematic structural diagram of another fund management device according to an embodiment of the present application. The fund management device comprises:
The processor 1002, when executing the program, implements the fund management method provided in the above-described embodiments.
Further, the fund management device further comprises:
a communication interface 1003 for communicating between the memory 1001 and the processor 1002.
A memory 1001 for storing computer programs that may be run on the processor 1002.
The processor 1002 is configured to implement the fund management method according to the above embodiments when executing the program.
If the memory 1001, the processor 1002, and the communication interface 1003 are implemented independently, the communication interface 1003, the memory 1001, and the processor 1002 may be connected to each other through a bus and perform communication with each other. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (enhanced Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 6, but this is not intended to represent only one bus or type of bus.
Optionally, in a specific implementation, if the memory 1001, the processor 1002, and the communication interface 1003 are integrated on one chip, the memory 1001, the processor 1002, and the communication interface 1003 may complete communication with each other through an internal interface.
The processor 1002 may be a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present Application.
The present embodiment also provides a computer-readable storage medium having stored thereon a computer program, characterized in that the program, when executed by a processor, implements the method of fund management as above.
In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.
The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.
It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.
Claims (12)
1. A fund management method is applied to a spare payment management platform and comprises the following steps:
acquiring a spare payment of a payment mechanism to be processed;
acquiring a cash-out sub-account corresponding to the mechanism to be processed, and acquiring historical average cash-out amount of cash-out service of the cash-out sub-account;
acquiring an account quota allocation model corresponding to the mechanism to be processed;
determining the allocation limit of the cash-out sub-account according to the account limit allocation model and the historical average cash-out limit;
and taking out corresponding funds from the reserve payment according to the allocated amount and storing the corresponding funds in the money outlet sub-account.
2. The method of claim 1, prior to said obtaining historical average payout degrees for the payout sub-account payout transaction, comprising:
acquiring historical cash-out transaction data of the cash-out sub-account within preset time before the current time;
determining the historical payment amount of the money-making sub-account per minute according to the historical payment transaction data;
and averaging all the determined historical cash-out degrees to obtain the historical average cash-out amount of the cash-out sub-account cash-out service.
3. The method of claim 1, wherein the determining the allocated credit for the cash-out sub-account according to the account credit allocation model and the historical average cash-out credit comprises:
and calculating the allocation limit of the money outlet sub-account by adopting the account limit allocation model according to the historical average money outlet limit.
4. The method of claim 3, wherein the account credit allocation model calculates the allocated credit for the cash-out sub-account by the following formula:
wherein, W represents the distribution amount of the money-out account, α represents the available amount index of the mechanism to be processed, β represents the transaction characteristic index of the mechanism to be processed, and the W represents the distribution amount of the money-out account, the index represents the available amount index of the mechanism to be processed, and the index represents the transaction characteristic index of the mechanism to be processed
And the historical average out-payment amount is represented, wherein the available amount index is used for representing the available amount scale of the mechanism to be processed, and the transaction characteristic index is used for representing the transaction and liquidity management capability of the mechanism to be processed.
5. The method of any one of claims 1-4, wherein obtaining an account credit allocation model corresponding to the pending institution comprises:
acquiring the mechanism type of the mechanism to be processed;
and acquiring an account quota allocation model corresponding to the mechanism to be processed according to the mechanism type.
6. A fund management device, which is applied to a pay-as-you-go management platform, the device comprising:
the first acquisition module is used for acquiring the reserve payment of the payment mechanism to be processed;
the second acquisition module is used for acquiring the cash-out sub-account corresponding to the mechanism to be processed and acquiring the historical average cash-out amount of the cash-out service of the cash-out sub-account;
the third acquisition module is used for acquiring an account quota allocation model corresponding to the mechanism to be processed;
the first determining module is used for determining the allocation limit of the cash-out sub-account according to the account limit allocation model and the historical average cash-out limit;
and the distribution module is used for taking out corresponding funds from the reserve payment and storing the corresponding funds in the cash-out sub-account according to the distribution amount.
7. The apparatus of claim 6, wherein the apparatus further comprises:
the fourth acquisition module is used for acquiring historical cash-out transaction data of the cash-out sub-account within preset time before the current time;
the second determination module is used for determining the historical cash-out amount per minute of the cash-out sub-account according to the historical cash-out transaction data;
and the processing module is used for carrying out averaging processing on all the determined historical cash-out degrees so as to obtain the historical average cash-out limit of the cash-out service of the cash-out sub-account.
8. The apparatus of claim 6, wherein the first determining module is specifically configured to:
and calculating the allocation limit of the money outlet sub-account by adopting the account limit allocation model according to the historical average money outlet limit.
9. The apparatus of claim 8, wherein the account credit allocation model calculates the allocated credit for the cash-out sub-account by the following formula:
wherein W representsThe allocated credit of the money-making account is α represents the available credit index of the mechanism to be processed, β represents the transaction characteristic index of the mechanism to be processed, and the credit is allocated to the money-making account
And the historical average out-payment amount is represented, wherein the available amount index is used for representing the available amount scale of the mechanism to be processed, and the transaction characteristic index is used for representing the transaction and liquidity management capability of the mechanism to be processed.
10. The apparatus according to any one of claims 6 to 9, wherein the third obtaining module is specifically configured to:
acquiring the mechanism type of the mechanism to be processed;
and acquiring an account quota allocation model corresponding to the mechanism to be processed according to the mechanism type.
11. A funds management apparatus, comprising:
memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the program, implements a method of fund management according to any one of claims 1-5.
12. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out the funds management method according to any one of claims 1-5.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911070629.2A CN111027967A (en) | 2019-11-05 | 2019-11-05 | Fund management method and device |
| PCT/CN2020/126260 WO2021088829A1 (en) | 2019-11-05 | 2020-11-03 | Capital management method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911070629.2A CN111027967A (en) | 2019-11-05 | 2019-11-05 | Fund management method and device |
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| WO2021088829A1 (en) * | 2019-11-05 | 2021-05-14 | 网联清算有限公司 | Capital management method and apparatus |
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| CN105335850A (en) * | 2014-07-31 | 2016-02-17 | 阿里巴巴集团控股有限公司 | Network payment control method and apparatus |
| CN109389484A (en) * | 2018-09-26 | 2019-02-26 | 中国平安人寿保险股份有限公司 | Account is entered an item of expenditure in the accounts method, apparatus, computer equipment and storage medium |
| CN109697667B (en) * | 2018-12-19 | 2023-08-18 | 中国银联股份有限公司 | Quota management and control method and device based on trust mode |
| CN110363416A (en) * | 2019-06-29 | 2019-10-22 | 上海淇馥信息技术有限公司 | Financial resources distribution method, device and electronic equipment |
| CN111027967A (en) * | 2019-11-05 | 2020-04-17 | 网联清算有限公司 | Fund management method and device |
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| WO2021088829A1 (en) * | 2019-11-05 | 2021-05-14 | 网联清算有限公司 | Capital management method and apparatus |
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