CN111539807A - Transfer method and device - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention provides a transfer method and a device, wherein the method comprises the following steps: when a transfer configuration request is received, whether a user account meets configuration conditions or not is judged based on user information and transfer amount; if the user account meets the configuration condition, monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time; if the sum of the fund shares is less than the preset threshold, sending early warning information to a user corresponding to the user account to remind the user to supplement the fund shares; when each transfer time node of the transfer period is reached, judging whether the residual amount of the user account is less than the transfer amount; if the fund amount is less than the transfer amount, performing redemption operation on the fund pool to enable the residual amount of the user account to be equal to the transfer amount; and transfers the remaining amount of the user account to the target institution account. By applying the method provided by the invention, the transfer amount can be transferred to the account of the target mechanism at each transfer time node of the transfer period, and the user payment failure is avoided.
Description
Technical Field
The invention relates to the field of financial data processing, in particular to a transfer method and a transfer device.
Background
In recent years, with the rapid development of economy, economic activities of people are more and more frequent, credit card businesses and loan businesses of financial institutions are also increased vigorously, and people transact credit card businesses or loan businesses to financial institutions to obtain corresponding money to carry out activities such as consumption and investment, so that certain convenience is brought to the lives of people.
Currently, when a user uses a credit card or transacts a loan transaction, the user is required to pay to a financial institution at a specific payment time node, and therefore, the user deposits the paid money into an account of the financial institution so that the financial institution automatically deducts the money from the account.
However, in the case where the financial profit of the third-party financial institution is higher than that of the financial institution, people usually deposit the balance in the third-party financial institution to obtain a relatively high financial profit, and transfer money existing in the third-party financial institution to the financial institution when the repayment time node is reached. In this case, the payment process of the user is too complicated, and the user forgets the payment time and other factors, which may result in that the payment cannot be made in time.
Disclosure of Invention
The invention aims to solve the technical problem of providing a transfer method, which can transfer the transfer amount to a target mechanism account at each transfer time node of a transfer period and avoid the failure of payment repayment of a user.
The invention also provides a transfer device for ensuring the realization and the application of the method in practice.
A method of transferring money, comprising:
when a transfer configuration request is received, obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least comprise a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share;
judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount;
if the user account meets the configuration condition, monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time;
if the total share of the fund pool corresponding to the user account is smaller than the fund early warning share, sending early warning information to the user corresponding to the user account to remind the user to supplement the fund share;
when each transfer time node of the transfer period is reached, judging whether the residual amount of the user account is less than the transfer amount;
if the remaining amount of the user account is less than the transfer amount, performing redemption operation on the fund pool so that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount;
and transferring the target remaining amount of the user account to the target institution account.
Optionally, the determining, based on the user identifier and the transfer amount, whether the user account meets a preset configuration condition includes:
acquiring user information corresponding to the user identification;
determining whether the user account has authority to transfer to the target institution account based on the user information;
if the user account has the right to transfer to the target institution account, determining the transfer limit of the user account;
judging whether the transfer amount is less than or equal to the transfer limit;
if the transfer amount is less than or equal to the transfer limit, judging that the user account meets the configuration condition;
and if the transfer amount is larger than the transfer limit, judging that the user account does not meet the configuration condition.
Optionally, the determining the transfer quota of the user account includes:
acquiring user credit rating, occupation information and user transaction record information contained in the user information;
generating an input vector based on the user credit rating, the professional information, and the user transaction record information;
and inputting the input vector into the trained neural network model to obtain the transfer quota of the user account.
The method above, optionally, wherein redeeming the fund pool of the user account such that the remaining amount of the user account equals the transfer amount comprises:
obtaining a fund redemption sequence parameter contained in the transfer configuration parameter;
determining a redemption order for each fund in the fund pool based on the fund redemption order parameter;
redeeming in turn the fund shares of each fund in the fund pool in the redemption order until the sum of the redeemed fund shares and the remaining amount equals the transfer amount.
The method described above, optionally, after transferring a part of the target remaining amount of the user account to the target institution account, further includes:
and sending transfer prompt information to the user to prompt the user that the transfer is successful.
A transfer device comprising:
the transfer configuration method comprises the steps of receiving a transfer configuration request, and obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least contain a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share;
the first judgment unit is used for judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount;
the monitoring unit is used for monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time when the user account meets the configuration condition;
the sending unit is used for sending early warning information to the user corresponding to the user account to remind the user of supplementing the fund share when the total share of the fund pool corresponding to the user account is smaller than the fund early warning share;
the second judgment unit is used for judging whether the residual amount of the user account is less than the transfer amount or not when each transfer time node of the transfer period is reached;
an execution unit for performing a redemption operation on the fund pool when the remaining amount of the user account is less than the transfer amount such that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount;
and the transfer unit is used for transferring the target residual amount of the user account to the target institution account.
Optionally, the apparatus described above, wherein the first determining unit includes:
the first obtaining subunit is configured to obtain user information corresponding to the user identifier;
a first judgment subunit, configured to judge, based on the user information, whether the user account has an authority to transfer to the target institution account;
a first determining subunit, configured to determine a transfer limit of the user account when the user account has an authority to transfer to the destination institution account;
the second judgment subunit is used for judging whether the transfer amount is less than or equal to the transfer limit;
the first judgment unit is used for judging that the user account meets the configuration condition when the transfer amount is smaller than or equal to the transfer limit;
and the second judgment unit is used for judging that the user account does not meet the configuration condition when the transfer amount is larger than the transfer limit.
The above apparatus, optionally, the determining subunit is configured to:
acquiring user credit rating, occupation information and user transaction record information contained in the user information;
generating an input vector based on the user credit rating, the professional information, and the user transaction record information;
and inputting the input vector into the trained neural network model to obtain the transfer quota of the user account.
The above apparatus, optionally, the execution unit includes:
a second acquiring subunit for acquiring a fund redemption order parameter contained in the transfer configuration parameter;
a second determining subunit for determining a redemption order of the funds in the fund pool based on the fund redemption order parameter;
an execution subunit operable to redeem the fund shares of each fund in the fund pool in turn in the redemption order until the sum of the redeemed fund shares and the remaining amount equals the transfer amount.
The above apparatus, optionally, further comprises: a presentation unit;
and the prompting unit is used for sending transfer prompting information to the user so as to prompt the user that the transfer is successful.
Compared with the prior art, the invention has the following advantages:
the invention provides a transfer method and a device, wherein the method comprises the following steps: when a transfer configuration request is received, obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least comprise a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share; judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount; if the user account meets the configuration condition, monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time; if the total share of the fund pool corresponding to the user account is smaller than the fund early warning share, sending early warning information to the user corresponding to the user account to remind the user to supplement the fund share; when each transfer time node of the transfer period is reached, judging whether the residual amount of the user account is less than the transfer amount; if the remaining amount of the user account is less than the transfer amount, performing redemption operation on the fund pool so that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount; and transferring the target remaining amount of the user account to the target institution account. By applying the transfer method provided by the invention, when the total share of the fund pool of the user is smaller than the fund threshold value, early warning information can be sent to the user, the fund share of the fund pool can be ensured to be sufficient, the transfer amount can be transferred to the account of the target institution at each transfer time node of the transfer period, and the payment failure of the user is avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a method flow diagram of a method of transferring money according to the present invention;
FIG. 2 is a flowchart of a process for determining whether a user account satisfies a preset configuration condition according to the present invention;
FIG. 3 is a flow diagram of redemption operations provided by the present invention for a fund pool of a user account;
FIG. 4 is a flow chart of yet another method of transferring money according to the present invention;
FIG. 5 is a view showing a construction of a transfer apparatus according to the present invention;
fig. 6 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor apparatus, distributed computing environments that include any of the above devices or equipment, and the like.
The embodiment of the invention provides a transfer method, which can be applied to various system platforms, wherein an execution main body of the transfer method can be a processor of a server, and a flow chart of the method is shown in figure 1 and specifically comprises the following steps:
s101: and when receiving a transfer configuration request, obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least comprise a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share.
In the method provided by the embodiment of the invention, a user can send a transfer configuration request to the server through the intelligent terminal, wherein the intelligent terminal can be various intelligent devices such as a mobile phone, a tablet computer or a computer.
Specifically, when the intelligent terminal establishes a communication connection with the server, the user may be authenticated through the intelligent terminal, for example, the user may be authenticated through one or more of fingerprint recognition, password recognition, face recognition, or verification code recognition, and after the authentication passes, the user may send a transfer configuration request through the intelligent terminal.
Under the condition that a transfer configuration request is received, analyzing the transfer configuration request to obtain transfer configuration information; and extracting parameters of the specific field of the transfer configuration information to obtain transfer configuration parameters.
S102: and judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount.
In the method provided by the embodiment of the invention, the user information can be acquired through the user identification, and whether the user meets the preset configuration condition or not is judged based on the user information and the transfer amount.
S103: and if the user account meets the configuration condition, monitoring whether the total share of the fund pool corresponding to the user account is smaller than the fund early warning share or not in real time.
In the method provided by the embodiment of the invention, the user account can be pre-bound with the fund pool of the user, and the fund pool comprises all funds purchased in advance.
Wherein the total share of the fund pool corresponding to the user account is the sum of the shares of each fund in the fund pool.
Specifically, the size of the fund early warning share can be set by a user based on actual requirements, and the fund early warning share can be generally set to be larger than or equal to the amount of the transfer amount.
S104: and if the total share of the fund pool corresponding to the user account is smaller than the fund early warning share, sending early warning information to the user corresponding to the user account so that the user supplements the fund share.
In the method provided by the embodiment of the invention, the early warning information can be in the forms of mails, short messages or application program prompt information and the like.
And when the share of the fund pool corresponding to the user account is greater than or equal to the fund early warning share, no user early warning information needs to be sent to the user.
In the monitoring process, when a fund share inquiry command of a user is received, the share of each fund in the fund pool can be fed back to the user.
S105: and when each transfer time node of the transfer period is reached, judging whether the residual amount of the user account is less than the transfer amount.
In the method provided by the invention, the time interval between two adjacent transfer time nodes of the transfer period can be one month and the like.
Specifically, in the case where each transfer time node of the transfer cycle is reached, the remaining amount of the user account is compared with the transfer amount to determine whether the remaining amount is less than the transfer amount.
S106: and if the residual amount of the user account is less than the transfer amount, performing redemption operation on the fund pool to enable the target residual amount of the user account to be equal to the transfer amount.
The method provided by the embodiment of the invention is that the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount.
The redemption operation of the fund pool can mean that part of the fund in the fund pool is redeemed or all of the fund in the fund pool is redeemed, and the target remaining amount can be equal to the transfer amount by the redemption operation of the fund pool.
S107: and transferring the target residual amount of the user account to the target institution account.
In the method provided by the embodiment of the present invention, the financial institution to which the target institution account belongs may be the same financial institution or a different financial institution to which the user account belongs.
Specifically, when the financial institution to which the account of the target institution belongs is different from the financial institution to which the account of the user belongs, the server corresponding to the financial institution to which the account of the target institution belongs is determined, a transfer message is generated based on the target remaining amount, the account of the user and the account of the target institution, and the transfer message is sent to the server corresponding to the financial institution to which the account of the target institution belongs, so that the remaining amount of the account of the user is transferred to the account of the target institution.
By applying the transfer method provided by the embodiment of the invention, when the total share of the fund pool of the user is smaller than the fund threshold value, early warning information can be sent to the user, the fund share of the fund pool can be ensured to be sufficient, the transfer amount can be transferred to the account of the target mechanism at each transfer time node of the transfer period, and the user payment failure is avoided.
In the method provided in the embodiment of the present invention, based on the implementation process, specifically, the process of determining whether the user account satisfies the preset configuration condition based on the user identifier and the transfer amount mentioned in S102 specifically includes, as shown in fig. 2:
s201: and acquiring user information corresponding to the user identification.
In the method provided by the embodiment of the invention, the user information of the user corresponding to the user identifier can be acquired by traversing the pre-established user information base based on the user identifier.
S202: it is determined whether the user account has authority to transfer to the target institution account based on the user information.
In the method provided by the embodiment of the present invention, the user information may include one or more information items of user credit rating, the professional information, age, academic history, the user transaction record information, and the like.
In one implementation of S202, different permission level thresholds may be set for different financial institutions; and determining the authority level of the user account based on the user information, judging whether the authority level of the user account meets the authority level threshold of the financial institution to which the target institution account belongs, if so, determining that the user account has the authority to transfer to the target institution, and if not, determining that the user account does not have the authority to transfer to the target institution.
Specifically, in another implementation manner of S202, whether each information item in the user information satisfies a preset information item condition corresponding to the information item may be respectively determined; if the account number of the user account is equal to the authority number of the target institution account, determining that the user account has the authority for transferring to the target institution account, otherwise, determining that the user account does not have the authority for transferring to the target institution account.
S203: and if the user account has the right to transfer to the target institution account, determining the transfer limit of the user account.
In the method provided by the embodiment of the invention, the transfer allowance of the user account can be determined according to the user information.
It should be noted that, if the user account does not have the authority to transfer to the target institution account, it may be determined that the user account does not satisfy the configuration condition.
S204: and judging whether the transfer amount is less than or equal to the transfer limit.
In the method provided by the embodiment of the invention, the transfer amount can be compared with the transfer limit to judge whether the transfer amount is less than or equal to the transfer limit.
S205: and if the transfer amount is less than or equal to the transfer limit, judging that the user account meets the configuration condition.
S206: and if the transfer amount is larger than the transfer limit, judging that the user account does not meet the configuration condition.
In the method provided by the embodiment of the invention, when the user account is judged not to meet the configuration condition, prompt information of configuration failure can be sent to the user.
In the method provided in the embodiment of the present invention, based on the implementation process, specifically, an implementation manner for determining the transfer limit of the user account in S203 may be:
acquiring user credit rating, occupation information and user transaction record information contained in the user information;
generating an input vector based on the user credit rating, the professional information, and the user transaction record information;
and inputting the input vector into the trained neural network model to obtain the transfer quota of the user account.
In the method provided by the embodiment of the invention, the age information, the academic information and the like contained in the user information can be acquired to generate the input vector.
The neural network model can be a convolutional neural network model, the neural network model comprises an input layer, a hidden layer and an output layer, the number of layers of the hidden layer can be set by technical personnel, the neural network model has various outputs, and the neural network model calculates input vectors and preset scoring weights, so that the transfer quota of a user account can be obtained.
In the method provided by the embodiment of the present invention, another implementation manner of determining the transfer limit of the user account may be:
scoring each information item, namely scoring one or more information items of user credit rating, the professional information, age, academic record and the user transaction record information contained in the user information;
and determining a comprehensive score of the user information based on the score of each information item, and determining a transfer limit corresponding to the comprehensive score.
In the method provided by the embodiment of the present invention, based on the implementation process described above, specifically, the process of performing redemption operation on the fund pool of the user account so that the remaining amount of the user account is equal to the transfer amount in S106, as shown in fig. 3, may include:
s301: a fund redemption order parameter contained in the transfer configuration parameter is obtained.
In the method provided by the embodiment of the invention, the transfer configuration parameters can also comprise a fund redemption sequence parameter, the fund redemption sequence parameter is configured by the user in advance, and the fund redemption sequence parameter can also be determined by analyzing the income condition of each fund in each fund pool by the server.
S302: determining a redemption order for each fund in the fund pool based on the fund redemption order parameters.
In the method provided by the embodiment of the invention, the fund redemption sequence parameter comprises each fund redemption sequence of the fund pool corresponding to the user account.
Specifically, the fund redemption sequence parameter may include a fund name of each fund in the fund pool and a redemption serial number of the fund name, wherein the redemption serial number of each fund name may be determined as a redemption sequence of each fund in a descending order.
S303: redeeming in turn the fund shares of each fund in the fund pool in the redemption order until the sum of the redeemed fund shares and the remaining amount equals the transfer amount.
In the method provided by the embodiment of the invention, in the process of redeeming each fund, whether the share of the fund and the target remaining amount of the user account are more than or equal to the transfer amount is judged, if the share of the fund and the target remaining amount are not more than, the share of the fund is completely redeemed, and whether the sum of the share of the next fund and the current target remaining amount is more than or equal to the transfer amount is continuously judged, until the sum of the share of the fund to be redeemed and the target remaining amount is more than or equal to the transfer amount, part or all of the share of the fund to be redeemed is redeemed, so that the target remaining amount is equal to the transfer amount.
For example, the user account pre-binds the user's 5 funds, with the redemption order of funds being fund A, fund B, fund C, fund D, and fund E; wherein the share of the fund A is 30000 yuan, the share of the fund B is 40000 yuan, the share of the fund C is 20000 yuan, the share of the fund D is 10000 yuan, and the share of the fund E is 70000 yuan;
specifically, the transfer amount may be 100000 yuan, and the remaining amount of the user account is 40000 yuan; determining whether the share of fund a, the share of the redeemed fund, and the sum of the remaining amount is greater than the transfer amount, wherein the share of fund a, the share of the redeemed fund, and the sum of the remaining amount is 70000, such that the share of fund a and the target remaining amount are less than the transfer amount; the target remaining amount is the sum of the redeemed fund share and the remaining amount, at which time the redeemed fund share is 0 dollar.
In this case, the share of fund A may be redeemed in its entirety, at which point the target remaining amount for the user account is 70000, and so it continues to be determined whether the sum of the share of fund B and the target remaining amount is greater than the transfer amount, where the sum of the share of fund B and the target remaining amount is 11000, available, and the share of fund B and the target remaining amount are greater than the transfer amount; the fund B may be redeemed such that the sum of the shares of the target remaining amount equals the target remaining amount, i.e. the 30000-dollar share of the redemption fund B, at which time the share of the fund a owned by the user is 0 and the share of the fund B is 10000, whereby the remaining amount of the user account coincides with the amount of the transfer amount upon redemption of the fund pool.
In the method provided in the embodiment of the present invention, based on the implementation process, specifically, after transferring a part of the target remaining amount of the user account to the target institution account, the method further includes:
and sending transfer prompt information to the user to prompt the user that the transfer is successful.
The method provided by the embodiment of the invention can be applied to scenes in various fields, for example, the method can be applied to an automatic transfer scene of a bank, and as shown in fig. 4, the method specifically comprises the following steps: an intelligent terminal 401 and a server 402;
in implementation, the intelligent terminal 401 may be an electronic device such as a mobile phone, a tablet computer, and a personal computer of a user, and may also be a self-service device disposed in a bank. The server 402 may be a server, a server cluster composed of a plurality of servers, or a cloud computing service center. The intelligent terminal 401 and the server 402 establish communication connection through a network.
Embodiments of the present invention relate to networks that are media providing communication links and may include various types of connections, such as wired, wireless communication links, and so forth.
The user can initiate a request for setting automatic transfer through the intelligent terminal 401, the server checks the identity of the user, and if the identity check is passed, the configuration parameters sent by the user based on the intelligent terminal can be received;
after the server 402 passes the verification of the intelligent terminal 401, the user can set a target institution account, transfer time, transfer amount, whether fund share is automatically redeemed when balance is insufficient, the redemption sequence of the fund share and the early warning mode of the fund based on the intelligent terminal 401; after the user finishes setting based on the intelligent terminal 401, the intelligent terminal generates a configuration request and sends the configuration request to the server 402, so that the server 402 judges whether the user meets the configuration condition based on the configuration request, if yes, the residual fund share of the user account is monitored in real time, when the residual fund share of the user is smaller than a fund share threshold value, early warning information is generated according to an early warning mode set by the user, and the early warning information is sent to the user, so that the user supplements the account balance or supplements the fund share. And when the transfer time node is reached, transferring the account to the account of the target institution, wherein the account of the target institution can be the account opened in the target institution by the user, or the accounts opened in the target institution by other users, for example, the accounts opened in the target institution by friends, family and the like of the user, or the account for receiving payment by the target institution.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides a transfer apparatus, which is used for implementing the method in fig. 1 specifically, the transfer apparatus provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the transfer apparatus is shown in fig. 5, and specifically includes:
the system comprises a receiving unit 501, a fund transfer configuration unit and a fund transfer unit, wherein the receiving unit 501 is used for acquiring a fund transfer configuration parameter contained in a fund transfer request when the fund transfer configuration request is received, and the fund transfer configuration parameter at least comprises a user identifier, a user account, a target institution account, a fund transfer amount, a fund transfer period and a fund early warning share;
a first judging unit 502, configured to judge whether the user account meets a preset configuration condition based on the user identifier and the transfer amount;
a monitoring unit 503, configured to monitor, in real time, whether a total share of a fund pool corresponding to the user account is smaller than the fund early warning share when the user account meets the configuration condition;
a sending unit 504, configured to send warning information to a user corresponding to the user account to remind the user to supplement the fund share when the total share of the fund pool corresponding to the user account is smaller than the fund warning share;
a second judging unit 505, configured to judge whether a remaining amount of the user account is less than the transfer amount when each transfer time node of the transfer period is reached;
an execution unit 506 for performing a redemption operation on the fund pool when the remaining amount of the user account is less than the transfer amount such that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount;
and the transfer unit 507 is used for transferring the target residual amount of the user account to the target institution account.
By applying the transfer device provided by the embodiment of the invention, when the total share of the fund pool of the user is smaller than the fund threshold value, early warning information can be sent to the user, the fund share of the fund pool can be ensured to be sufficient, the transfer amount can be transferred to the account of the target mechanism at each transfer time node of the transfer period, and the payment failure of the user is avoided.
In an embodiment of the present invention, based on the above scheme, optionally, the first determining unit 502 includes:
the first obtaining subunit is configured to obtain user information corresponding to the user identifier;
a first judgment subunit, configured to judge, based on the user information, whether the user account has an authority to transfer to the target institution account;
a first determining subunit, configured to determine a transfer limit of the user account when the user account has an authority to transfer to the destination institution account;
the second judgment subunit is used for judging whether the transfer amount is less than or equal to the transfer limit;
the first judgment unit is used for judging that the user account meets the configuration condition when the transfer amount is smaller than or equal to the transfer limit;
and the second judgment unit is used for judging that the user account does not meet the configuration condition when the transfer amount is larger than the transfer limit.
In an embodiment provided by the present invention, based on the above scheme, optionally, the determining subunit is configured to:
acquiring user credit rating, occupation information and user transaction record information contained in the user information;
generating an input vector based on the user credit rating, the professional information, and the user transaction record information;
and inputting the input vector into the trained neural network model to obtain the transfer quota of the user account.
In an embodiment provided by the present invention, based on the above scheme, optionally, the executing unit 506 includes:
a second acquiring subunit for acquiring a fund redemption order parameter contained in the transfer configuration parameter;
a second determining subunit for determining a redemption order of the funds in the fund pool based on the fund redemption order parameter;
an execution subunit operable to redeem the fund shares of each fund in the fund pool in turn in the redemption order until the sum of the redeemed fund shares and the remaining amount equals the transfer amount.
In an embodiment provided by the present invention, based on the above scheme, specifically, the transfer device further includes: a presentation unit;
and the prompting unit is used for sending transfer prompting information to the user so as to prompt the user that the transfer is successful.
The specific principle and the execution process of each unit and each module in the transfer device disclosed in the embodiment of the invention are the same as those of the transfer method disclosed in the embodiment of the invention, and reference may be made to corresponding parts in the transfer method provided in the embodiment of the invention, and details are not described here.
The embodiment of the invention also provides a storage medium, which comprises a stored instruction, wherein when the instruction runs, the device where the storage medium is located is controlled to execute the transfer method.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 6, which specifically includes a memory 601 and one or more instructions 602, where the one or more instructions 602 are stored in the memory 601 and configured to be executed by one or more processors 603 to perform the following operations on the one or more instructions 602:
when a transfer configuration request is received, obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least comprise a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share;
judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount;
if the user account meets the configuration condition, monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time;
if the total share of the fund pool corresponding to the user account is smaller than the fund early warning share, sending early warning information to the user corresponding to the user account to remind the user to supplement the fund share;
when each transfer time node of the transfer period is reached, judging whether the residual amount of the user account is less than the transfer amount;
if the remaining amount of the user account is less than the transfer amount, performing redemption operation on the fund pool so that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount;
and transferring the target remaining amount of the user account to the target institution account.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The transfer method provided by the invention is described in detail, specific examples are applied in the description to explain the principle and the implementation mode of the invention, and the description of the examples is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A method of transferring funds, comprising:
when a transfer configuration request is received, obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least comprise a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share;
judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount;
if the user account meets the configuration condition, monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time;
if the total share of the fund pool corresponding to the user account is smaller than the fund early warning share, sending early warning information to the user corresponding to the user account to remind the user to supplement the fund share;
when each transfer time node of the transfer period is reached, judging whether the residual amount of the user account is less than the transfer amount;
if the remaining amount of the user account is less than the transfer amount, performing redemption operation on the fund pool so that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount;
and transferring the target remaining amount of the user account to the target institution account.
2. The method of claim 1, wherein determining whether the user account satisfies a preset configuration condition based on the user identification and the transfer amount comprises:
acquiring user information corresponding to the user identification;
determining whether the user account has authority to transfer to the target institution account based on the user information;
if the user account has the right to transfer to the target institution account, determining the transfer limit of the user account;
judging whether the transfer amount is less than or equal to the transfer limit;
if the transfer amount is less than or equal to the transfer limit, judging that the user account meets the configuration condition;
and if the transfer amount is larger than the transfer limit, judging that the user account does not meet the configuration condition.
3. The method of claim 2, wherein determining the transfer limit for the user account comprises:
acquiring user credit rating, occupation information and user transaction record information contained in the user information;
generating an input vector based on the user credit rating, the professional information, and the user transaction record information;
and inputting the input vector into the trained neural network model to obtain the transfer quota of the user account.
4. The method of claim 1, wherein the redeeming the fund pool of the user account such that the remaining amount of the user account is equal to the transfer amount comprises:
obtaining a fund redemption sequence parameter contained in the transfer configuration parameter;
determining a redemption order for each fund in the fund pool based on the fund redemption order parameter;
redeeming in turn the fund shares of each fund in the fund pool in the redemption order until the sum of the redeemed fund shares and the remaining amount equals the transfer amount.
5. The method of claim 1, wherein after transferring a portion of the target remaining amount of the user account to the target institution account, further comprising:
and sending transfer prompt information to the user to prompt the user that the transfer is successful.
6. A transfer device, comprising:
the transfer configuration method comprises the steps of receiving a transfer configuration request, and obtaining transfer configuration parameters contained in the transfer request, wherein the transfer configuration parameters at least contain a user identifier, a user account, a target institution account, a transfer amount, a transfer period and a fund early warning share;
the first judgment unit is used for judging whether the user account meets preset configuration conditions or not based on the user identification and the transfer amount;
the monitoring unit is used for monitoring whether the total share of a fund pool corresponding to the user account is smaller than the fund early warning share or not in real time when the user account meets the configuration condition;
the sending unit is used for sending early warning information to the user corresponding to the user account to remind the user of supplementing the fund share when the total share of the fund pool corresponding to the user account is smaller than the fund early warning share;
the second judgment unit is used for judging whether the residual amount of the user account is less than the transfer amount or not when each transfer time node of the transfer period is reached;
an execution unit for performing a redemption operation on the fund pool when the remaining amount of the user account is less than the transfer amount such that the target remaining amount of the user account is equal to the transfer amount; the target remaining amount is the sum of the redemption portion obtained by the redemption operation and the remaining amount;
and the transfer unit is used for transferring the target residual amount of the user account to the target institution account.
7. The apparatus according to claim 6, wherein the first determining unit comprises:
the first obtaining subunit is configured to obtain user information corresponding to the user identifier;
a first judgment subunit, configured to judge, based on the user information, whether the user account has an authority to transfer to the target institution account;
a first determining subunit, configured to determine a transfer limit of the user account when the user account has an authority to transfer to the destination institution account;
the second judgment subunit is used for judging whether the transfer amount is less than or equal to the transfer limit;
the first judgment unit is used for judging that the user account meets the configuration condition when the transfer amount is smaller than or equal to the transfer limit;
and the second judgment unit is used for judging that the user account does not meet the configuration condition when the transfer amount is larger than the transfer limit.
8. The apparatus of claim 7, wherein the determining subunit is configured to:
acquiring user credit rating, occupation information and user transaction record information contained in the user information;
generating an input vector based on the user credit rating, the professional information, and the user transaction record information;
and inputting the input vector into the trained neural network model to obtain the transfer quota of the user account.
9. The apparatus of claim 6, wherein the execution unit comprises:
a second acquiring subunit for acquiring a fund redemption order parameter contained in the transfer configuration parameter;
a second determining subunit for determining a redemption order of the funds in the fund pool based on the fund redemption order parameter;
an execution subunit operable to redeem the fund shares of each fund in the fund pool in turn in the redemption order until the sum of the redeemed fund shares and the remaining amount equals the transfer amount.
10. The apparatus of claim 6, further comprising: a presentation unit;
and the prompting unit is used for sending transfer prompting information to the user so as to prompt the user that the transfer is successful.
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| CN202010341804.3A CN111539807A (en) | 2020-04-27 | 2020-04-27 | Transfer method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114970918A (en) * | 2022-06-13 | 2022-08-30 | 中国银行股份有限公司 | Appointment transfer method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114970918A (en) * | 2022-06-13 | 2022-08-30 | 中国银行股份有限公司 | Appointment transfer method and device |
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