CN112150274A - Customer fund management method and device based on multi-level accounts - Google Patents
Customer fund management method and device based on multi-level accounts Download PDFInfo
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Abstract
The invention discloses a customer fund management method and a device based on multi-level accounts, wherein the method comprises the following steps: acquiring a payment issuing instruction of a loan contract of a customer, wherein the loan contract is signed by a main account in a multi-level account of the customer; creating a credit fund sub-account corresponding to the loan contract in the multi-level account according to the payment instruction, wherein the credit fund sub-account is used for receiving the payment of the loan contract; and generating a fund supervision contract corresponding to the loan contract, and signing the credit fund sub-account with the fund supervision contract. The customer fund management method based on the multi-level accounts improves the efficiency of credit fund supervision and the use experience of customers.
Description
Technical Field
The invention belongs to the field of bank account management, and particularly relates to a customer fund management method and device based on a multi-level account.
Background
The conventional bank core system is a single-level account opened according to the application of a client, the account structure is single, different settlement accounts need to be opened for different purposes, for example, if a client has multiple loan services at the same time, multiple single-level accounts need to be opened.
Along with the continuous enhancement of internal and external supervision, the bank needs household management for the credit funds of the client, and simultaneously needs strict supervision and management for the use of the loan funds, monitors the fund flow direction of the credit funds, and ensures the compliance of the loan fund flow direction through the supervision of the borrower account and the actual borrower account. In order to meet the requirement of credit fund management of a customer in the current system, the bank registers the circulation conditions of different types of funds in an account-book mode, the working efficiency is low, and the customer experience is poor.
Thus, the prior art lacks a more efficient method of managing the customer's credit funds.
Disclosure of Invention
The invention provides a method and a device for managing customer funds based on a multi-level account, which aim to solve at least one technical problem in the background art.
In order to achieve the above object, according to one aspect of the present invention, there is provided a customer funds management method based on multi-level accounts, the method comprising:
acquiring a payment issuing instruction of a loan contract of a customer, wherein the loan contract is signed by a main account in a multi-level account of the customer;
creating a credit fund sub-account corresponding to the loan contract in the multi-level account according to the payment instruction, wherein the credit fund sub-account is used for receiving the payment of the loan contract;
and generating a fund supervision contract corresponding to the loan contract, and signing the credit fund sub-account with the fund supervision contract.
Optionally, the funds management contract comprises a payment list record;
the customer fund management method based on the multi-level account further comprises the following steps:
when the credit fund sub-account initiates an out-of-line payment service, judging whether a record corresponding to the out-of-line payment service exists in the payment list record or not;
if not, rejecting the out-of-line support service.
Optionally, the method for managing funds of a customer based on a multi-level account further includes:
receiving credit fund transfer service initiated by the credit fund subaccount to the inline target account;
if the inline target account is a multi-level account, creating a credit fund sub-account in the inline target account, wherein the credit fund sub-account is used for receiving the money of the credit fund transfer service and signing the credit fund sub-account created in the inline target account with the fund supervision contract;
and if the inline target account is a single-level account, signing the inline target account with the fund supervision contract.
Optionally, the multi-level account includes: a main account, a main calculation sub-account and at least one sub-account; the sub-account includes: an own funds sub-account, an own funds secondary sub-account, a credit funds sub-account, and a credit secondary funds sub-account.
Optionally, the credit fund secondary fund sub-account is configured to manage a corresponding credit fund sub-account, an available balance of the credit fund secondary fund sub-account is a sum of available balances of the corresponding credit fund sub-accounts, and the credit fund secondary fund sub-account summarizes a bank flow of the corresponding credit fund sub-account; the second-level fund sub-account is used for managing the corresponding second-level fund sub-account, the available balance of the second-level fund sub-account is the sum of the available balances of the corresponding second-level fund sub-accounts, and the second-level fund sub-account summarizes the bank flow of the corresponding second-level fund sub-accounts.
Optionally, the accounting and interest-counting manner of the multi-tier account is one of the following manners: the main account performs summary accounting and summary interest-counting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account do not separately account and count; the main account carries out the summary accounting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account are independently charged; the main account performs summary interest counting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account perform separate accounting; the primary account does not account and account, and the primary settlement sub-account, the own-fund sub-account and the credit-fund sub-account and account separately.
In order to achieve the above object, according to another aspect of the present invention, there is provided a customer money management apparatus based on multi-tiered accounts, the apparatus including:
the payment issuing instruction acquisition unit is used for acquiring payment issuing instructions of a loan contract of a customer, wherein the loan contract is signed by a main account in a multi-level account of the customer;
a credit fund sub-account creating unit, configured to create a credit fund sub-account corresponding to the loan contract in the multi-level account according to the fund issuance instruction, where the credit fund sub-account is used to receive the fund of the loan contract;
and the supervision contract signing unit is used for generating a fund supervision contract corresponding to the loan contract and signing the credit fund sub-account with the fund supervision contract.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer device, including a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps in the multi-tier account-based customer funds management method when executing the computer program.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps in the above multi-tier account-based customer funds management method.
The invention has the beneficial effects that: when the payment of the client's loan contract is issued, the credit fund sub-account corresponding to the loan contract is created in the multi-level account of the client, the loan contract is signed for the main account in the multi-level account, the fund supervision contract corresponding to the loan contract is generated, and the credit fund sub-account is signed with the fund supervision contract, so that the credit fund supervision is realized.
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 introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of a method for customer funds management based on multi-tier accounts according to an embodiment of the present invention;
FIG. 2 is a flow diagram of a routine off-payment service implemented by the present invention;
FIG. 3 is a flow diagram of an implementation of an intra-routine credit funds transfer service of the present invention;
FIG. 4 is a schematic diagram of a multi-level account structure according to an embodiment of the present invention;
FIG. 5 is a schematic flow diagram of loan delivery according to an embodiment of the invention;
FIG. 6 is a schematic illustration of an intra-routine credit funds transfer in accordance with an embodiment of the present invention;
FIG. 7 is a block diagram of a multi-level account based customer funds management apparatus according to an embodiment of the present invention;
FIG. 8 is a schematic diagram of a computer apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, 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.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
Some terms in the present invention are explained first:
single-tier accounts: account numbers are settled according to the current period which is issued by clients, and the account numbers need to be used after being reported by a supervision department;
and (4) multi-level accounts: and signing and generating a two-layer or multi-layer main sub-account structure on the basis of the current settlement account number.
Fig. 4 is a schematic structural diagram of a multi-level account according to an embodiment of the present invention, and as shown in fig. 4, the multi-level account according to the present invention includes: a main account, a main calculation sub-account and at least one sub-account. In the embodiment of the invention, after the customer account number signs a multi-level account function, the original customer account number is called as a primary account. After the customer account number signs a multi-level account function, the sub-account number automatically generated by the system is called a main settlement sub-account. And the sub-account is generated after the customer signs a contract according to different classification management requirements.
As shown in fig. 4, the sub-accounts of the present invention may include: an own funds sub-account, an own funds secondary sub-account, a credit funds sub-account, and a credit secondary funds sub-account. The self-owned fund secondary sub-account and the credit secondary fund sub-account are intermediate-layer sub-accounts which are arranged for facilitating hierarchical management, and the intermediate-layer sub-accounts are virtual accounts.
In an embodiment of the present invention, the credit fund secondary fund sub-account is configured to manage a corresponding credit fund sub-account, an available balance of the credit fund secondary fund sub-account is a sum of available balances of the corresponding credit fund sub-accounts, and the credit fund secondary fund sub-account summarizes a bank flow of the corresponding credit fund sub-account.
In an embodiment of the present invention, the second-level fund sub-account is used for managing a corresponding second-level fund sub-account, an available balance of the second-level fund sub-account is a sum of available balances of the corresponding second-level fund sub-accounts, and the second-level fund sub-account summarizes bank flows of the corresponding second-level fund sub-accounts.
In an embodiment of the present invention, the available balance of the primary account is the sum of the available balances of the primary settlement branch, all of the own funds sub-accounts, and all of the credit funds sub-accounts.
The accounting and interest-counting modes of the multi-level account comprise the following four modes.
1. Main account summary billing and main account summary information
In this way, the main account performs summary accounting (accounting) and summary information accounting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account do not perform individual accounting and information accounting, that is, the sub-accounts are all in a register mode and are only used for fund classification management.
2. Main account summary billing and sub-account dispersed interest calculation
In this way, the main account performs summary accounting (accounting), the main settlement sub-account, the own fund sub-account and the credit fund sub-account perform individual interest calculation, and each sub-account does not perform individual accounting and is used for fund classification management. The sub-accounts pay alone, can carry out differentiation pricing according to customer's demand, and the main account is not paid.
3. Individual accounting of sub-accounts and total information of main account
In the mode, the main account is a virtual account and does not participate in accounting, each sub-account is independently accounted, and different accounting types are set for different sub-accounts. The main account carries out summary charging, the sub-accounts do not charge, and differential pricing of different sub-accounts is not supported.
4. Sub-account individual accounting, sub-account dispersed charging
In this mode, the primary account is not billed nor billed; and the sub-accounts on the bottom layer perform independent accounting, different accounting types are set for different sub-accounts, the sub-accounts perform independent interest calculation, and differential pricing of the sub-accounts is supported.
The invention can realize the accounting and the rest mode of the above 4 kinds of inspiration through the parameter configuration of the accounting mode (summary accounting, independent accounting) and the rest mode (summary rest and dispersed rest), and can be flexibly set and used according to the specific use scene.
Fig. 1 is a flowchart of a method for managing funds of a customer based on a multi-level account according to an embodiment of the present invention, and as shown in fig. 1, the method for managing funds of a customer based on a multi-level account according to the present embodiment includes steps S101 to S103.
Step S101, obtaining a payment issuing instruction of a loan contract of a customer, wherein the loan contract is signed by a main account in a multi-level account of the customer.
Step S102, creating a credit fund sub-account corresponding to the loan contract in the multi-level account according to the payment instruction, wherein the credit fund sub-account is used for receiving the payment of the loan contract.
Step S103, generating a fund supervision contract corresponding to the loan contract, and signing the credit fund sub-account with the fund supervision contract.
According to the requirements of internal and external supervision, the bank needs to manage own funds and credit funds of a customer in a household mode, the current single-level account structure cannot meet the customer requirements that only one settlement account can be established, in order to meet the fine management of the customer, the bank often adopts a manual account-standing mode to record funds with different properties and credit funds under different contracts, the working efficiency is low, and the customer experience is poor. The multi-level account structure designed by the invention can be used for opening a plurality of sub-accounts for a customer according to customer application and management requirements, on one hand, the own funds of the customer and credit funds are separately managed, on the other hand, the sub-accounts are respectively opened according to the fine management requirements for carrying out multi-dimensional management of different loan services (for example, management is carried out according to the dimensions of loan contracts, contracts and the like, different credit fund sub-accounts are opened according to different loan contracts during contract management, and different credit fund sub-accounts are opened according to different contracts during contract management); therefore, the method not only meets the requirements of banks on the client loan fund supervision, but also can simplify the client account opening procedure and avoid repeated account opening.
At present, strict supervision and management are needed for the use of loan funds, the fund flow direction of the loan funds is monitored, and the compliance of the loan fund flow direction is ensured through supervision of borrower accounts and actual borrower accounts. Therefore, after the credit fund sub-account corresponding to the loan contract is generated, the invention generates the fund supervision contract corresponding to the loan contract and signs a contract between the credit fund sub-account and the fund supervision contract. In embodiments of the present invention, the funds administration contract includes information such as the loan contract number, the contract dimension, and the project dimension.
Fig. 5 is a schematic flow chart of loan issuance according to an embodiment of the present invention, as shown in fig. 5, when a loan of a loan contract is issued, a credit fund sub-account corresponding to the loan contract is automatically generated in a multi-tier account of a customer, the credit fund sub-account is contracted with a fund supervision contract corresponding to the loan contract, after the contract is contracted, a loan is issued into the credit fund sub-account, and a subsequent fund supervision contract supervises the loan fund of the loan contract.
Fig. 2 is a flowchart of a routine external payment service implemented by the present invention, and in the embodiment of the present invention, as shown in fig. 2, the process of initiating a payment service to an external bank by a credit fund sub-account includes step S201 and step S202.
Step S201, when the credit fund sub-account initiates an out-of-line payment service, determining whether a record corresponding to the out-of-line payment service exists in the payment list record.
Step S202, if not, rejecting the out-of-line support service.
According to the internal and external supervision requirements, the bank needs strict supervision and management aiming at the use of the loan fund of the customer, monitors the fund flow direction of the credit fund, and ensures the compliance of the loan fund flow direction through the supervision of the account of the borrower and the account of the actual borrower.
The customer credit funds borne by the multi-level sub-account need to contract a fund supervision contract while opening the multi-level sub-account, and the fund supervision contract has the function of a payment list so as to realize strict supervision of loan funds.
In the embodiment of the invention, before loan payment and actual payment, a client manager carries out approval of payment in advance, a corresponding payment list record (comprising information of a payee, amount and the like) is formed after approval is finished, the client can initiate at an online bank, a bank enterprise or a counter when the payment is actually carried out, no matter the payment is initiated from any channel, the system needs to check the payment list record (whether the approval record exists, and check payment date, payee account number and amount information at the same time), and the payment is allowed only through a payment service which is arranged in the payment list record in advance, otherwise, the payment is refused.
Fig. 3 is a flow chart illustrating an exemplary in-line credit funds transfer service implemented by the present invention, and in an embodiment of the present invention, the flow of the in-line credit funds transfer service from the credit fund subaccount includes steps S301 to S303, as shown in fig. 3.
Step S301, receiving credit fund transfer service initiated by the credit fund subaccount to the inline target account.
Step S302, if the inline target account is a multi-level account, a credit fund sub-account is created in the inline target account, and is used for receiving the payment of the credit fund transfer service, and the credit fund sub-account created in the inline target account is signed with the fund supervision contract.
Step S303, if the inline target account is a single-level account, signing the inline target account with the fund supervision contract.
In one embodiment of the invention, the payment list record also contains the information whether the inline transfer set by the customer manager continues to be monitored. When the credit fund sub-account initiates a credit fund transfer service to an inline target account, whether the inline transfer continues to be monitored or not needs to be acquired from the payment list record, if the information does not need to be monitored continuously, money is directly printed into the own fund sub-account of the inline target account (multi-level account), and if the inline target account is a single-level account, the money is directly printed into the single-level account; if the information is that the loan fund is required to be continuously monitored, processing is carried out according to the steps S301 to S303, and the loan fund is continuously monitored.
Aiming at the business scene of continuous monitoring of in-line fund transfer, the payee also needs to open a credit fund sub-account corresponding to a fund monitoring contract to ensure the monitoring of the fund internal transfer and the actual user account, the use and in-line transfer path of each credit fund can be truly reflected through the flow inquiry of the credit fund sub-account, and convenience is provided for management and analysis.
Fig. 6 is a schematic diagram of an exemplary intra-routine credit fund transfer according to the present invention, wherein if the multi-level account a has its credit fund sub-account a1 in inline credit fund transfer to the multi-level account B, as shown in fig. 6, a credit fund sub-account B1 is created in the multi-level account B, and the credit fund sub-account B1 is contracted with the fund supervision contract of the credit fund sub-account a1, and the transferred money is transferred to the credit fund sub-account B1 after the contract is contracted. The invention continues to supervise the credit fund sub-account B1 according to the fund supervision contract subsequently, when the credit fund sub-account B1 conducts inline credit fund transfer to the single-level account C, the single-level account C also needs to sign with the fund supervision contract of the credit fund sub-account A1, and the money transferred is transferred to the single-level account C after signing.
As shown in fig. 4, the sub-account of the present invention includes: and the self-owned fund sub-account and the self-owned fund secondary sub-account are used for performing customized management on the self-owned fund of the customer. The invention provides a flexible and customizable multi-level fund classified management mode for clients with more branch institutions or internal management levels and fund hierarchical management requirements (such as universities, chain supermarkets, charitable donation organizations, house maintenance funds and the like) and clients with fund special account management requirements (financial, social security, public deposit, non-tax income, special account management for selling and collecting funds on the market and the like).
The self-fund sub-account number can directly pay for the external receipts in a mode of inputting the serial numbers of the main account number and the sub-account number, the middle-layer sub-account (self-fund secondary sub-account) reflects the sum of the balances of all the self-fund sub-accounts, each receiving and paying flow of the self-fund sub-account is also reflected on the self-fund secondary sub-account and the main account, and the requirement of hierarchical management of customers is met.
In addition, by combining the existing comprehensive supervision service which is provided by multiple channels, full flow and online and offline, a customer can supervise the related funds of the own fund sub-account by multiple supervision means such as black and white list control, receipt/payment list control, account coming freezing/prepayment, payment customization control, balance reminding and the like provided by a bank according to the self-management requirement, so that customized fund classified management is realized.
From the above embodiments, it can be seen that the multi-level account management mode of the present invention, on one hand, satisfies the increasingly tightened industry supervision requirements from account management by technical means; on the other hand, the method combines the existing fund supervision tool to provide multi-dimensional and full-channel fund classification management requirements for own funds of customers.
By adopting the multi-level account management mode, the self-owned funds and the credit funds of the customers can be separately managed, and the individual household management requirements of supervision are met. The multi-level account is combined with the capital supervision contract function, management of different dimensions of the client credit funds through the sub-accounts is achieved, meanwhile, each payment of the credit funds is paid according to the on-line approval result of the client manager through the control function of the payment list, internal and external supervision requirements of the client credit funds are met, meanwhile, the existing business process of trusted payment is simplified, the operation risk is reduced, payment initiated by the client in the whole channel is supported, and the client experience is improved.
In addition, the signing sign of the multi-level account management mode is printed on the currency layer, so that the method can support multi-currency account numbers, is not only suitable for fund management of domestic single currency account numbers, but also suitable for fund management of local foreign currency integrated account numbers of current self-trade area services. Technically, the method supports independent signing of the same account number and different currencies to form a corresponding multi-level account structure, and also supports the situation that the lower currencies of the same account are of a multi-level structure and the lower currencies of the same account are of a single-level structure, so that the management requirements of different currencies are met.
As can be seen from the above embodiments, the present invention has at least the following advantages:
1. the fund management mode of flexibly customizing customers through the management information such as the fund property (own fund sub-account, credit fund sub-account), the supervision dimension (contract dimension, contract dimension and project dimension) and the like selected when the multi-level account mode signs contract is adopted, so that the method meets the requirements of the classification and special management of the own fund of the customers on one hand, and meets the management requirement of the credit fund of the customers in banks on the other hand.
2. The design of the accounting mode and the parameterized information mode reserved by the system increases the expandability of the existing multi-level account structure, and the multi-level account structure with different modes can be realized through parameter setting.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
Based on the same inventive concept, the embodiment of the present invention further provides a customer fund management device based on a multi-level account, which can be used to implement the customer fund management method based on the multi-level account described in the foregoing embodiment, as described in the following embodiment. Because the principle of solving the problem of the customer fund management device based on the multi-level accounts is similar to that of the customer fund management method based on the multi-level accounts, reference may be made to the embodiment of the customer fund management device based on the multi-level accounts, and repeated details are omitted. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 7 is a block diagram of a customer fund management device based on multi-level accounts according to an embodiment of the present invention, and as shown in fig. 7, the customer fund management device based on multi-level accounts according to an embodiment of the present invention includes:
a money issuance instruction acquisition unit 1 configured to acquire a money issuance instruction of a loan contract of a customer, where the loan contract is signed by a main account in a multi-level account of the customer;
a credit fund sub-account creating unit 2, configured to create a credit fund sub-account corresponding to the loan contract in the multi-level account according to the payment instruction, where the credit fund sub-account is used to receive the payment of the loan contract;
and the supervision contract signing unit 3 is used for generating a fund supervision contract corresponding to the loan contract and signing the credit fund sub-account with the fund supervision contract.
In one embodiment of the invention, the funds administration contract comprises a payment list record. The invention relates to a customer fund management device based on multi-level accounts, which further comprises:
the judging unit is used for judging whether a record corresponding to the out-of-line payment service exists in the payment list record or not when the credit fund sub-account initiates the out-of-line payment service;
a processing unit, configured to reject the out-of-line payment service when a record corresponding to the out-of-line payment service does not exist in the payment list record.
In an embodiment of the present invention, the multi-level account based customer fund management apparatus further includes:
the inline transfer processing unit is used for receiving credit fund transfer service initiated by the credit fund subaccount to an inline target account;
the multi-level account transfer processing unit is used for creating a credit fund sub-account in the inline target account if the inline target account is a multi-level account, receiving the money of the credit fund transfer service, and signing the credit fund sub-account created in the inline target account with the fund supervision contract;
and the single-layer account transfer processing unit is used for signing the inline target account and the fund supervision contract if the inline target account is a single-layer account.
To achieve the above object, according to another aspect of the present application, there is also provided a computer apparatus. As shown in fig. 8, the computer device comprises a memory, a processor, a communication interface and a communication bus, wherein a computer program that can be run on the processor is stored in the memory, and the steps of the method of the above embodiment are realized when the processor executes the computer program.
The processor may be a Central Processing Unit (CPU). The Processor may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, or a combination thereof.
The memory, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and units, such as the corresponding program units in the above-described method embodiments of the present invention. The processor executes various functional applications of the processor and the processing of the work data by executing the non-transitory software programs, instructions and modules stored in the memory, that is, the method in the above method embodiment is realized.
The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor, and the like. Further, the memory may include high speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory optionally includes memory located remotely from the processor, and such remote memory may be coupled to the processor via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The one or more units are stored in the memory and when executed by the processor perform the method of the above embodiments.
The specific details of the computer device may be understood by referring to the corresponding related descriptions and effects in the above embodiments, and are not described herein again.
In order to achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps in the above multi-tier account-based customer funds management method. It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a Hard Disk (Hard Disk Drive, abbreviated as HDD) or a Solid State Drive (SSD), etc.; the storage medium may also comprise a combination of memories of the kind described above.
It will be apparent to those skilled in the art that the modules or steps of the present invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (11)
1. A method for customer funds management based on multi-tier accounts, comprising:
acquiring a payment issuing instruction of a loan contract of a customer, wherein the loan contract is signed by a main account in a multi-level account of the customer;
creating a credit fund sub-account corresponding to the loan contract in the multi-level account according to the payment instruction, wherein the credit fund sub-account is used for receiving the payment of the loan contract;
and generating a fund supervision contract corresponding to the loan contract, and signing the credit fund sub-account with the fund supervision contract.
2. The method of multi-tier account based customer funds management according to claim 1, wherein the funds administration contract comprises a payment list record;
the customer fund management method based on the multi-level account further comprises the following steps:
when the credit fund sub-account initiates an out-of-line payment service, judging whether a record corresponding to the out-of-line payment service exists in the payment list record or not;
if not, rejecting the out-of-line support service.
3. The method for customer funds management based on a multi-tier account as claimed in claim 1, further comprising:
receiving credit fund transfer service initiated by the credit fund subaccount to the inline target account;
if the inline target account is a multi-level account, creating a credit fund sub-account in the inline target account, wherein the credit fund sub-account is used for receiving the money of the credit fund transfer service and signing the credit fund sub-account created in the inline target account with the fund supervision contract;
and if the inline target account is a single-level account, signing the inline target account with the fund supervision contract.
4. The method of customer funds management based on a multi-tier account of claim 1, wherein the multi-tier account comprises: a main account, a main calculation sub-account and at least one sub-account; the sub-account includes: an own funds sub-account, an own funds secondary sub-account, a credit funds sub-account, and a credit secondary funds sub-account.
5. The multi-tier account based customer funds management method of claim 4, wherein the credit fund secondary sub-account is used to manage a corresponding credit fund sub-account, an available balance of the credit fund secondary sub-account being a sum of available balances of the corresponding credit fund sub-accounts, the credit fund secondary sub-account summarizing a banking run of the corresponding credit fund sub-account;
the second-level fund sub-account is used for managing the corresponding second-level fund sub-account, the available balance of the second-level fund sub-account is the sum of the available balances of the corresponding second-level fund sub-accounts, and the second-level fund sub-account summarizes the bank flow of the corresponding second-level fund sub-accounts.
6. The method for customer fund management based on multi-level accounts according to claim 4, wherein the accounting and interest-bearing manner of the multi-level accounts is one of the following manners: the main account performs summary accounting and summary interest-counting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account do not separately account and count; the main account carries out the summary accounting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account are independently charged; the main account performs summary interest counting, and the main settlement sub-account, the own fund sub-account and the credit fund sub-account perform separate accounting; the primary account does not account and account, and the primary settlement sub-account, the own-fund sub-account and the credit-fund sub-account and account separately.
7. A customer funds management apparatus based on multi-level accounts, comprising:
the payment issuing instruction acquisition unit is used for acquiring payment issuing instructions of a loan contract of a customer, wherein the loan contract is signed by a main account in a multi-level account of the customer;
a credit fund sub-account creating unit, configured to create a credit fund sub-account corresponding to the loan contract in the multi-level account according to the fund issuance instruction, where the credit fund sub-account is used to receive the fund of the loan contract;
and the supervision contract signing unit is used for generating a fund supervision contract corresponding to the loan contract and signing the credit fund sub-account with the fund supervision contract.
8. The multi-tier account based customer funds management apparatus of claim 7, wherein the funds administration contract comprises a payment list record;
the multi-level account-based customer fund management device further comprises:
the judging unit is used for judging whether a record corresponding to the out-of-line payment service exists in the payment list record or not when the credit fund sub-account initiates the out-of-line payment service;
a processing unit, configured to reject the out-of-line payment service when a record corresponding to the out-of-line payment service does not exist in the payment list record.
9. The multi-tier account based customer funds management apparatus of claim 7, further comprising:
the inline transfer processing unit is used for receiving credit fund transfer service initiated by the credit fund subaccount to an inline target account;
the multi-level account transfer processing unit is used for creating a credit fund sub-account in the inline target account if the inline target account is a multi-level account, receiving the money of the credit fund transfer service, and signing the credit fund sub-account created in the inline target account with the fund supervision contract;
and the single-layer account transfer processing unit is used for signing the inline target account and the fund supervision contract if the inline target account is a single-layer account.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
11. A computer-readable storage medium, in which a computer program is stored which, when executed in a computer processor, implements the method of any one of claims 1 to 6.
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