CN112215701A - Method and device for flexibly managing funds among multiple accounts - Google Patents
Method and device for flexibly managing funds among multiple accounts Download PDFInfo
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Abstract
The invention provides a method and a device for flexibly managing funds among multiple accounts, wherein the method comprises the following steps: acquiring information of a plurality of user accounts from a database of a banking system to establish a multi-account collusion relationship; when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; if the balance is less than the preset value, triggering multi-account check-up polling deduction, sending the account information of the transaction user to a balance monitoring program, triggering an agreed transfer function, acquiring the account basic information and the account financial attribute information of each user account by combining a multi-account check-up relation, and calculating an account deduction sequence; meanwhile, calculating the online real-time transfer-out amount and the transaction user account real-time transfer-in amount by using the condition judgment statement to form online real-time transfer data, and performing multi-account online transfer transaction on the transaction user account by combining the account deduction sequence; after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction.
Description
Technical Field
The invention relates to the technical field of computer data processing, in particular to a method and a device for flexibly managing funds among multiple accounts.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In the existing bank user account management, the adopted SWEEP (balance monitoring) function can only support fund transfer of two accounts, and cannot provide a multi-account balance sharing function; the function of only monitoring the signed account can be realized, the balance of the target account cannot be monitored, for example, A, B, C accounts exist, the balance of the account A of the signed account is insufficient, the account A can only be unidirectionally allocated from the account B, the balance of the account B cannot be insufficient, and the account C can be directly allocated to the account A; and the function of the priority of the deduction-free payment can not deduct money from the target account if the signed account has overdraft limit, so that account management fee and overdraft information can be charged if the balance of the user is too low.
Therefore, how to provide a new solution, which can solve the above technical problems, is a technical problem to be solved in the art.
Disclosure of Invention
The embodiment of the invention provides a method for flexibly managing funds among multiple accounts, which provides a service for mutual real-time allocation of multiple accounts in a bank for a user by establishing an account linking relation and meets the requirement of the user on efficient management of the accounts, and comprises the following steps:
acquiring a plurality of user account information from a database of a banking system;
establishing a multi-account linking relation for a plurality of user accounts according to the information of the plurality of user accounts;
when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program;
receiving account information of transaction users through a balance monitoring program, triggering an agreed transfer function, acquiring account basic information and account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence;
calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using the condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data;
performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction.
The embodiment of the invention also provides a device for flexibly managing funds among multiple accounts, which comprises:
the information acquisition module is used for acquiring a plurality of user account information from a database of the banking system;
the multi-account linking relationship establishing module is used for establishing a multi-account linking relationship for a plurality of user accounts according to the information of the plurality of user accounts;
the system comprises a transaction user account credit balance judging module, a transaction processing module and a processing module, wherein the transaction user account credit balance judging module is used for judging whether the credit balance of a transaction user account is less than the amount of a debit transaction when one user account is subjected to the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program;
the account deduction sequence calculation module is used for receiving the account information of the transaction users by using the balance monitoring program, triggering the appointed transfer function, acquiring the account basic information and the account financial attribute information of each user account by combining the multi-account connection relation, and calculating the account deduction sequence;
the online real-time transfer data forming module is used for calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account according to the account basic information and the account financial attribute information of each user account by using the condition judgment statement to form online real-time transfer data;
the multi-account online transfer transaction module is used for performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
and the debit transaction execution module is used for executing the debit transaction on the account of the transaction user after the multi-account online transfer transaction is completed.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the method for flexibly managing funds among the multiple accounts is realized.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the method for flexibly managing funds among multiple accounts is stored in the computer-readable storage medium.
The embodiment of the invention provides a method and a device for flexibly managing funds among multiple accounts, which comprises the steps of firstly obtaining information of multiple user accounts from a database of a banking system; then establishing a multi-account linking relation for the plurality of user accounts according to the information of the plurality of user accounts; then when one user account generates debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program; continuously receiving the account information of the transaction user through a balance monitoring program, triggering an appointed transfer function, acquiring the account basic information and the account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence; secondly, calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using a condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; then, according to the account deduction sequence and the online real-time transfer data, performing multi-account online transfer transaction on the transaction user account; and finally, after the multi-account online transfer transaction is completed, the transaction user account executes a debit transaction. The embodiment of the invention provides a service of mutual real-time transfer of a plurality of accounts in a bank for a user by establishing the account linking relation, and meets the requirement of the user on efficient management of the accounts. Meanwhile, multiple accounts are linked in a hooking mode, balance of any account is insufficient, money can be dialed to any account, and the system is flexible to use.
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 some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram illustrating a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention.
Fig. 2 is a schematic diagram illustrating a process of deducting a total service fee according to a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention.
Fig. 3 is a schematic view of an account deduction sequence of a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention.
FIG. 4 is a schematic diagram of a computer device for executing a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention.
Fig. 5 is a schematic diagram of a device for flexibly managing funds among multiple accounts according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a schematic diagram of a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention, and as shown in fig. 1, an embodiment of the present invention provides a method for flexibly managing funds among multiple accounts, which provides a service for a user to allocate multiple accounts in a bank in real time by establishing an account linking relationship, so as to satisfy efficient management of the user on the account, and includes:
step 101: acquiring a plurality of user account information from a database of a banking system;
step 102: establishing a multi-account linking relation for a plurality of user accounts according to the information of the plurality of user accounts;
step 103: when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program;
step 104: receiving account information of transaction users through a balance monitoring program, triggering an agreed transfer function, acquiring account basic information and account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence;
step 105: calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using the condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data;
step 106: performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
step 107: after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction.
The embodiment of the invention provides a method for flexibly managing funds among multiple accounts, which comprises the steps of firstly obtaining information of multiple user accounts from a database of a banking system; then establishing a multi-account linking relation for the plurality of user accounts according to the information of the plurality of user accounts; then when one user account generates debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program; continuously receiving the account information of the transaction user through a balance monitoring program, triggering an appointed transfer function, acquiring the account basic information and the account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence; secondly, calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using a condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; then, according to the account deduction sequence and the online real-time transfer data, performing multi-account online transfer transaction on the transaction user account; and finally, after the multi-account online transfer transaction is completed, the transaction user account executes a debit transaction. The embodiment of the invention provides a service of mutual real-time transfer of a plurality of accounts in a bank for a user by establishing the account linking relation, and meets the requirement of the user on efficient management of the accounts. Meanwhile, multiple accounts are linked in a hooking mode, balance of any account is insufficient, money can be dialed to any account, and the system is flexible to use.
In the embodiment of the present invention, the terms mainly include:
sweet: the transfer is appointed, also called balance monitoring, which means that a user and a bank appoint in advance, when the account balance reaches the appointed amount, the bank automatically completes the transfer, and the account balance is kept on the appointed result balance.
Online PULL (live load): when the account appointed by the user meets a specific condition under certain online financial transaction operation, the appointed transfer operation is automatically triggered, and the system transfers a certain amount of money from the target account to the appointed account in an online mode in real time each time according to the appointed condition.
Signing an account: refers to an agreed account requiring balance monitoring
The target account is as follows: the monitoring account agreed in advance is transferred out or transferred into the appointed account when meeting the agreed conditions;
balance of results: the reserved balance of a contracted account appointed in advance is referred to;
when the method for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented specifically, the method can comprise the following steps:
acquiring a plurality of user account information from a database of a banking system; establishing a multi-account linking relation for a plurality of user accounts according to the information of the plurality of user accounts; when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program; receiving account information of transaction users through a balance monitoring program, triggering an agreed transfer function, acquiring account basic information and account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence; calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using the condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data; after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction.
In the embodiment of the present invention, according to information of a plurality of user accounts, a multi-account collusion relationship is established for the plurality of user accounts, which mainly includes: establishing a multi-account collusion relationship among a plurality of user accounts according to the information of the plurality of user accounts by adding a signing function; the newly added signing function can support signing of a plurality of accounts and increase, deletion, modification and check of contracts.
When any account of the signed accounts has debit transaction, checking whether a signed contract exists, if yes, the contract state is normal, and the credit balance is less than the lowest reserved balance, triggering the polling deduction of multi-account colluding, and polling and drawing from other accounts on line.
When the method for flexibly managing funds among multiple accounts provided by the embodiment of the present invention is specifically implemented, in an embodiment, the receiving of the account information of the transaction user through the balance monitoring program triggers an agreed transfer function, acquires the account basic information and the account financial attribute information of each user account in combination with the multi-account collusion relationship, and calculates the account deduction sequence, including:
receiving account information of a transaction user through a balance monitoring program, triggering an appointed transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by using the received account information of the transaction user in combination with a multi-account collusion relation;
carrying out account searching operation by using the account basic information and the account financial attribute information of each user account; wherein, the account searching process comprises the following steps:
searching the credit balances of all checking accounts in the same currency;
searching the credit balances of all savings accounts of the same currency;
searching the balance of check account credit of all port coins;
searching the balance of the savings account credit of all port coins;
searching the balance of check user credit of all Macao Yuan accounts;
searching the balance of the deposit user credit of all Macao Yuan accounts;
searching credit balance of all the remaining accounts according to the signing sequence;
and calculating and generating an account deduction sequence according to the account searching process.
In an embodiment, calculating the generated account deduction sequence may specifically include the following account lookup process: firstly, the credit balance of all checking accounts with the same currency is found (the same currency is in a signing order); finding the credit balances of all savings accounts of the same currency (in the order of sign contract with the currency); searching the balance of check account lenders of all port coins (the same currency is in a signing order); searching the balance of the savings account lender of all port coins (the same currency is in a signing sequence); searching the balance of check user credit of all Macau Yuan accounts (the balance is in the order of contract signing with the currency); searching the balance of the depositors and lenders of all Macao Yuan accounts (the same currency is in the order of signing contract); searching credit balance of all the remaining accounts according to the signing sequence; calculating and generating an account deduction sequence according to the account searching process, and deducting the balance in the amount of the user account according to the account deduction sequence; wherein, the balance in the user quota comprises credit balance and debit balance; by deducting the balance of the lender and then deducting the balance of the lender, the user can use the overdraft balance as less as possible, and the condition that the user pays the overdraft interest is reduced. Meanwhile, the balance of the account with the currency is deducted preferentially, and the balance of the currency of other accounts is deducted, so that the loss caused by exchange of the user is reduced, and the benefit of the user is guaranteed to the greatest extent. The aforementioned account financial attribute information mainly includes: the balance of the check account in the same currency, the balance of the savings account in the same currency, the balance of the check account in the hong Kong currency, the balance of the savings account in the hong Kong currency, the balance of the check account in the Macau Yuan account, the balance of the savings account in the Macau Yuan account, the balance of the credit account in the Macau Yuan account, and the balance of the debit account in the whole currency.
For example, a user includes A, B, C three user accounts, and performs a multi-account online transfer transaction to the transaction user account according to the calculated account deduction sequence and in combination with online real-time transfer data, which mainly includes:
and carrying out SWEEP transaction according to the found deduction sequence, wherein the transaction account is assumed to be A, and the found deduction sequence is B and C. Triggering the online PULL, changing the credit balance PULL of the account B to A, if the balance PULL of the account C is still insufficient for deduction, changing the credit balance PULL of the account C to A, changing the debit balance of the account A to A, changing the debit balance PULL of the account B to A, and changing the debit balance PULL of the account C to A. If the balance of all accounts is not sufficient to deduct money, the transaction fails. And when the balance of the B account and the C account is transferred to the A account, the A performs debit transaction to deduct money.
The aforementioned account basic information of each user account at least includes: credit balance, debit balance, reserve balance, frozen amount, earmark amount, overdraft amount. The aforementioned account financial attribute information of each user account at least includes: currency, account status, frozen status, primary and secondary account information, account type.
When the method for flexibly managing funds among multiple accounts provided by the embodiment of the present invention is implemented specifically, in an embodiment, the method further includes:
when the credit balance of the transaction user account is not less than the amount of the debit transaction, the transaction user account performs the debit transaction and deducts the credit balance of the transaction user account.
Fig. 2 is a schematic diagram of a process of deducting a total service fee according to a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention, as shown in fig. 2, when the method for flexibly managing funds among multiple accounts according to the embodiment of the present invention is implemented, in an embodiment, the method further includes:
step 201: when a multi-account collusion relation is established, selecting one user account from a plurality of user accounts as a charging account;
step 202: calculating the total service charge of a plurality of user accounts for establishing a multi-account linking relation according to the service parameters;
step 203: and deducting the total service fee from the charging account according to the set charging period.
In an embodiment, the deducting of the total service fee mainly comprises: firstly, when a multi-account collusion relation is established, selecting one user account from a plurality of user accounts as a charging account; then, according to the service parameters, calculating the total service charge of a plurality of user accounts for establishing a multi-account linking relation; and finally, deducting the total service fee from the charging account according to the set charging period. In one example, the charging period is 1 month, when batch is carried out at night at the end of each month, all users and user accounts related to signed effective contracts and establishing the multi-account collusion relationship are scanned, the total service charge of the multiple user accounts establishing the multi-account collusion relationship is calculated according to the service parameters of the users corresponding to the first signed account, and the charge is carried out due to customer pricing. And scanning the records of charging failure in batches every night, and deducting the fees again. And if the number of the lost reimbursement times exceeds 30 days, the state of the system updating the contract is abnormal, and the multi-account collusion relation of the user is marked as suspension. When the online transaction is newly added, the teller can modify the charging account number manually to trigger charging or set the charging-free state, and after the system is successfully processed, if the contract state is checked to be abnormal, the contract state is updated to be normal.
When the method for flexibly managing funds among multiple accounts provided by the embodiment of the present invention is implemented specifically, in an embodiment, the method further includes:
when the total service fee deduction fails, suspending the multi-account connection relation;
when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
when the credit balance of the transaction user account is not less than the debit transaction, executing the debit transaction and deducting the credit balance of the transaction user account;
when the credit balance of the transaction user account is less than the amount of the debit transaction, executing the debit transaction, deducting all credit balances, determining the amount of the remaining debit transaction, and then deducting the amount of the remaining debit transaction from the debit balance of the transaction user account.
In the embodiment, when the balance of the charging account of the user is insufficient or other account number is abnormal, the situation that the total service fee is deducted is generated,
when the total service fee deduction fails, suspending the multi-account connection relation; all accounts under the user name return to mutually independent states, and when one user account undergoes debit transaction, whether the credit balance of the transaction user account is less than the amount of the debit transaction is judged; when the credit balance of the transaction user account is not less than the debit transaction, the balance of the transaction user account is sufficient to meet the execution condition of the debit transaction, so that the debit transaction can be executed to deduct the credit balance of the transaction user account; the debit balance of the transaction user account does not change.
When the credit balance of the transaction user account is less than the amount of the debit transaction, the credit balance of the transaction user does not satisfy the execution condition of the debit transaction, and a part of amount needs to be borrowed from the debit balance, and corresponding debit interest is generated. The remaining debit transaction amount is deducted from the debit balance of the transaction user account, and the debit interest is calculated from the deduction.
In an embodiment, a specific calculation method for triggering multi-account collusion mainly includes:
1. trigger sweet and sequence description:
fig. 3 is a schematic view of an account deduction sequence of a method for flexibly managing funds among multiple accounts according to an embodiment of the present invention, and as shown in fig. 3, when the amount of funds before signing up an account is lower than a trigger amount and a result balance, deduction is performed according to a priority sequence. A. B, C, signing and connecting three accounts with multiple accounts, if the counter withdrawal balance of the account A is insufficient and the three accounts have overdraft limit, triggering SWEEP four times successively, and the specific deduction sequence is shown in the following figure, meanwhile, considering that the two accounts B and C retain result balance, and considering the exchange generation condition before the account transfer of every two of the accounts AB and AC. Then the withdrawal transaction of the account A is carried out.
2. The formula for calculating the sum of PULL each time mainly comprises the following steps:
1) the amount of PULL that the transaction account needs to trigger (this PULL contains the amount of the transaction account debit that may be deducted):
-if there is no overdraft credit or (there is a debit partial freeze (value freeze)):
the expected total amount of PULL is the absolute value of the generated amount, the current balance of the account before financial transaction, the result balance and the frozen amount;
② otherwise
(i.e., there is overdraft and (there is no debit partial freeze));
IF result balance < ═ overdraft limit;
the expected total amount of PULL is the absolute value of the generated amount, the current balance of the account before financial transaction and the frozen amount;
IF result balance > overdraft limit;
the expected total amount of PULL is the absolute value of the generated amount, the current balance of the account before financial transaction, the frozen amount, the result balance and the overdraft amount;
if the expected total amount of the PULL is larger than 0, multi-account linking needs to be triggered, but if the credit balance of the target account is 0 and the debit balance of the transaction account is enough, multi-account linking may not be triggered;
2) the target account may be credited with a credit balance of PULL:
-if there is no overdraft credit or (there is a debit partial freeze (value freeze)):
the amount of PULL can be equal to the current balance of the account, the result balance and the freezing amount;
② otherwise
(i.e., there is overdraft and (there is no debit partial freeze));
IF result balance < ═ overdraft limit;
the amount of PULL can be equal to the current amount of the account-the frozen amount;
IF result balance > overdraft limit;
the sum of PULL is equal to the current balance of the account, the frozen sum, the result balance and the overdraft limit;
if the amount of purl can be less than 0, the amount of purl can be equal to 0;
3) debit balance where transaction account may withdraw:
that is, if the transaction account has no overdraft credit, or (there is a debit partial freeze (the amount of money is frozen)) then 0,
② otherwise
(i.e., transaction account has overdraft and (no debit partial freeze));
IF result balance < ═ overdraft limit;
the PULL amount can be equal to overdraft amount-result balance;
IF result balance > overdraft limit;
the amount of PULL may be 0;
if the amount of purl can be less than 0, the amount of purl can be equal to 0;
4) the target account may be debited by PULL:
if the target account has no overdraft credit, or (there is a debit partial freeze (credit freeze), otherwise:
the amount of PULL may be equal to the available balance after deduction by the lender (available balance before transaction-deducted amount by the lender) -result balance;
if the sum of PULL can be less than 0, the sum of PULL can be equal to 0;
3. calculating the SWEEP amount mainly comprises the following steps:
1) calculating a PULL AMOUNT TOT-AMOUNT which needs to be triggered by the transaction account A, wherein TOT-AMOUNT is 0, and the program is not logged out by mistake;
2) lender of B: calculating the credit balance of the transaction account B capable of being PULL; if TOT-AMOUNT < (B) can be the credit balance of PULL, triggering PULL AMOUNT SWEEP-AMOUNT1 to be TOT-AMOUNT, and ending the calculation;
otherwise sweet-AMOUNT 1 ═ B may be the credit balance of PULL;
TOT-AMOUNT-B may credit the credit balance of PULL (considering redemption);
3) c, lender: calculating the credit balance of the transaction account C capable of being PULL;
if TOT-AMOUNT < ═ C can be the credit balance of PULL, the PULL AMOUNT SWEEP-AMOUNT2 is released to TOT-AMOUNT, and the calculation is finished;
otherwise
Sweet-estimate 2 ═ C credit balance that can PULL;
TOT-AMOUNT-C may credit the credit balance of PULL (considering redemption);
4) and B, lending: calculating the debit balance which can be withdrawn by the transaction account, and if the TOT-AMOUNT < (A) transaction account can be withdrawn by the debit balance, finishing the calculation;
otherwise TOT-AMOUNT-a transaction account is a debit balance from which money may be withdrawn;
5) and B, lending: calculating the debit balance which can be PULL for the transaction account B; if TOT-AMOUNT < (B) can be the debit balance of PULL, triggering the PULL AMOUNT SWEEP-AMOUNT3 to be TOT-AMOUNT, and ending the calculation;
otherwise
sweet-AMOUNT 3 ═ B debit balance that can PULL;
TOT-AMOUNT-B may debit balance of PULL (considering redemption);
6) c, lending: calculating the debit balance of the PULL available to the transaction account C;
if TOT-AMOUNT < (C) can be the debit balance of PULL, triggering PULL AMOUNT SWEEP-AMOUNT4 to TOT-AMOUNT, and ending the calculation;
otherwise
The balance of A, B and C is not enough to draw money.
7) If the balance of SWEEP-AMOUNT1-4 is all 0, the routine is exited.
Fig. 4 is a schematic diagram of a computer device for executing a method for flexibly managing funds among multiple accounts according to the embodiment of the present invention, as shown in fig. 4, an embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method for flexibly managing funds among multiple accounts is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for implementing the method for flexibly managing funds among multiple accounts is stored in the computer-readable storage medium.
The embodiment of the invention also provides a device for flexibly managing funds among multiple accounts, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the method for flexibly managing the funds among the multiple accounts, the implementation of the device can refer to the implementation of the method for flexibly managing the funds among the multiple accounts, and repeated parts are not repeated.
Fig. 5 is a schematic view of a device for flexibly managing funds among multiple accounts according to an embodiment of the present invention, and as shown in fig. 5, an embodiment of the present invention further provides a device for flexibly managing funds among multiple accounts, including:
an information obtaining module 501, configured to obtain information of a plurality of user accounts from a database of a banking system;
a multiple-account collusion relationship establishing module 502, configured to establish a multiple-account collusion relationship between multiple user accounts according to information of the multiple user accounts;
a credit balance determination module 503 for the transaction user account, configured to determine whether the credit balance of the transaction user account is less than the amount of the debit transaction when a debit transaction occurs to one of the user accounts; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program;
the account deduction sequence calculation module 504 is configured to receive transaction user account information by using a balance monitoring program, trigger an agreed transfer function, acquire account basic information and account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculate an account deduction sequence;
an online real-time transfer data forming module 505, configured to calculate, according to the account basic information and the account financial attribute information of each user account, an online real-time transfer amount and a real-time transfer amount of each user account other than the transaction user account by using the condition determining statement, so as to form online real-time transfer data;
the multi-account online transfer transaction module 506 is used for performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
and a debit transaction execution module 507 for executing a debit transaction on the account of the transaction user after the multi-account online transfer transaction is completed.
When the device for flexibly managing funds among multiple accounts provided by the embodiment of the present invention is implemented specifically, in an embodiment, the account deduction sequence calculating module is specifically configured to:
receiving account information of a transaction user through a balance monitoring program, triggering an appointed transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by using the received account information of the transaction user in combination with a multi-account collusion relation;
carrying out account searching operation by using the account basic information and the account financial attribute information of each user account; wherein, the account searching process comprises the following steps:
searching the credit balances of all checking accounts in the same currency;
searching the credit balances of all savings accounts of the same currency;
searching the balance of check account credit of all port coins;
searching the balance of the savings account credit of all port coins;
searching the balance of check user credit of all Macao Yuan accounts;
searching the balance of the deposit user credit of all Macao Yuan accounts;
searching credit balance of all the remaining accounts according to the signing sequence;
and calculating and generating an account deduction sequence according to the account searching process.
In an embodiment of the invention, when the apparatus for flexibly managing funds among multiple accounts is implemented specifically, the transaction user account credit balance determination module is further configured to:
when the credit balance of the transaction user account is not less than the amount of the debit transaction, the transaction user account performs the debit transaction and deducts the credit balance of the transaction user account.
When the device for flexibly managing funds among multiple accounts provided by the embodiment of the present invention is implemented specifically, in an embodiment, the device further includes a service fee deduction module, which is specifically configured to:
when a multi-account collusion relation is established, selecting one user account from a plurality of user accounts as a charging account;
calculating the total service charge of a plurality of user accounts for establishing a multi-account linking relation according to the service parameters;
and deducting the total service fee from the charging account according to the set charging period.
In an embodiment of the invention, when the apparatus for flexibly managing funds among multiple accounts is implemented specifically, the service fee deduction module is further configured to:
when the total service fee deduction fails, suspending the multi-account connection relation;
when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
when the credit balance of the transaction user account is not less than the debit transaction, executing the debit transaction and deducting the credit balance of the transaction user account;
when the credit balance of the transaction user account is less than the amount of the debit transaction, executing the debit transaction, deducting all credit balances, determining the amount of the remaining debit transaction, and then deducting the amount of the remaining debit transaction from the debit balance of the transaction user account.
The invention also provides another embodiment of a device for flexibly managing funds among multiple accounts, which mainly comprises the following steps:
a signing module: and providing a signing service for a plurality of accounts, providing a processing basis for the system to provide the service, and establishing a multi-account collusion relationship.
Deduction sequence calculating module: and calculating a reasonable account deduction sequence triggering PULL according to the contract information, the currency information, the debit and credit balance, the account type and other account basic information and the account financial attribute information.
A SWEEP online real-time transfer data calculation module: and calculating the online real-time transfer amount of each user account except the transaction user account and the online real-time transfer amount of the transaction user account by using the condition judgment statement to form online real-time transfer data.
Triggering a SWEEP module: and initiating the PULL transfer transaction of SWEEP one by one according to the calculated deduction sequence and the SWEEP online real-time transfer data, and performing multi-account online transfer transaction to the transaction user account.
Module in batches: and (4) charging a service fee for the signed service at the end of each month, and calculating the fee according to the parameters priced by the customers. And at every night, the record of the charging failure is subjected to additional payment and the fee is deducted again, if the number of the charging failure exceeds 30 (parameterization), the contract is updated to be abnormal, and the colluding service is suspended.
The online charging module: and providing a manual charging or non-charging function for the record of charging failure, and updating the contract state to be normal if the additional payment is successful or the manual charging is successful, so that the colluding service can be continuously used.
The module realizes flexible fund management among a plurality of module accounts, and mainly comprises the following steps:
step 1: and calling a signing module which needs to record contract information of the user, wherein the contract information comprises a plurality of signing account numbers, contract effective dates, expiration dates, result balances and the like. And provides the functions of adding, deleting, modifying and checking the information of the contract.
Step 2: when any debit transaction occurs to the account during online transaction, the system checks whether the account has a signed SWEEP contract or not according to the signing module, if so, the system calls the deduction sequence calculation module, the SWEEP online real-time transfer data calculation module and the SWEEP triggering module, triggers multiple PULL transfers of SWEEP to the transaction account, immediately updates the balance of the transaction account in real time and then initiates the debit transaction. And persisting the data to the database.
And step 3: and calling the batch module, calculating the charge amount at the end of each month according to the contract information acquired by the contract module and the charge information acquired by the charge parameters, and performing charge processing. And if the charging fails, the information of the charging failure is persisted to a database.
And 4, step 4: and calling the batch module, and performing recharging treatment according to the charging failure information acquired by the batch module and the number of the follow-up payment days acquired by reading the charging parameters every day. If the number of days is larger than the number of the additional payment days, the signing module is called, and the state of the updated contract is abnormal.
And 5: calling the 'online charging module', performing charging processing again according to the information of failed charging acquired by the 'batch module' and the newly input new charging account number or charging amount, and calling the 'signing module' if the charging processing is successful, so as to update the contract state to be normal.
To sum up, the method and the device for flexibly managing funds among multiple accounts provided by the embodiment of the invention firstly acquire information of multiple user accounts from a database of a banking system; then establishing a multi-account linking relation for the plurality of user accounts according to the information of the plurality of user accounts; then when one user account generates debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program; continuously receiving the account information of the transaction user through a balance monitoring program, triggering an appointed transfer function, acquiring the account basic information and the account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence; secondly, calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using a condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; then, according to the account deduction sequence and the online real-time transfer data, performing multi-account online transfer transaction on the transaction user account; and finally, after the multi-account online transfer transaction is completed, the transaction user account executes a debit transaction. The embodiment of the invention provides a service of mutual real-time transfer of a plurality of accounts in a bank for a user by establishing the account linking relation, and meets the requirement of the user on efficient management of the accounts. Meanwhile, multiple accounts are linked in a hooking mode, balance of any account is insufficient, money can be dialed to any account, and the system is flexible to use.
The embodiment of the invention also realizes the following technical effects:
1. monitoring the balance of a plurality of accounts, automatically transferring the balance among the accounts in real time, and sharing the balance;
2. the balance of the debit party is used only when the balance of the credit party before the account is used up, so that the user is prevented from paying unnecessary debit interest.
3. The method provides the account priority deduction service, preferentially deducts money with the same currency, provides preferential fixed exchange rate and provides the optimal service for the user to the maximum extent.
4. The invention also provides contract service fee for the colluding service, realizes the automatic recollection function of the charge failure system, and can automatically start and suspend the service according to the conditions of the success and failure of the recollection.
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.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A method for flexibly managing funds among multiple accounts is characterized by comprising the following steps:
acquiring a plurality of user account information from a database of a banking system;
establishing a multi-account linking relation for a plurality of user accounts according to the information of the plurality of user accounts;
when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program;
receiving account information of transaction users through a balance monitoring program, triggering an agreed transfer function, acquiring account basic information and account financial attribute information of each user account in combination with a multi-account collusion relationship, and calculating an account deduction sequence;
calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account by using the condition judgment statement according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data;
performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction.
2. The method as claimed in claim 1, wherein the step of receiving the account information of the transaction user through the balance monitoring program, triggering the transfer function by appointment, acquiring the account basic information and the account financial attribute information of each user account in combination with the multi-account collusion relationship, and calculating the account deduction sequence comprises the steps of:
receiving account information of a transaction user through a balance monitoring program, triggering an appointed transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by using the received account information of the transaction user in combination with a multi-account collusion relation;
carrying out account searching operation by using the account basic information and the account financial attribute information of each user account; wherein, the account searching process comprises the following steps:
searching the credit balances of all checking accounts in the same currency;
searching the credit balances of all savings accounts of the same currency;
searching the balance of check account credit of all port coins;
searching the balance of the savings account credit of all port coins;
searching the balance of check user credit of all Macao Yuan accounts;
searching the balance of the deposit user credit of all Macao Yuan accounts;
searching credit balance of all the remaining accounts according to the signing sequence;
and calculating and generating an account deduction sequence according to the account searching process.
3. The method of claim 1, further comprising:
when the credit balance of the transaction user account is not less than the amount of the debit transaction, the transaction user account performs the debit transaction and deducts the credit balance of the transaction user account.
4. The method of claim 3, further comprising:
when a multi-account collusion relation is established, selecting one user account from a plurality of user accounts as a charging account;
calculating the total service charge of a plurality of user accounts for establishing a multi-account linking relation according to the service parameters;
and deducting the total service fee from the charging account according to the set charging period.
5. The method of claim 4, further comprising:
when the total service fee deduction fails, suspending the multi-account connection relation;
when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
when the credit balance of the transaction user account is not less than the debit transaction, executing the debit transaction and deducting the credit balance of the transaction user account;
when the credit balance of the transaction user account is less than the amount of the debit transaction, executing the debit transaction, deducting all credit balances, determining the amount of the remaining debit transaction, and then deducting the amount of the remaining debit transaction from the debit balance of the transaction user account.
6. A device for flexibly managing funds among multiple accounts is characterized by comprising:
the information acquisition module is used for acquiring a plurality of user account information from a database of the banking system;
the multi-account linking relationship establishing module is used for establishing a multi-account linking relationship for a plurality of user accounts according to the information of the plurality of user accounts;
the system comprises a transaction user account credit balance judging module, a transaction processing module and a processing module, wherein the transaction user account credit balance judging module is used for judging whether the credit balance of a transaction user account is less than the amount of a debit transaction when one user account is subjected to the debit transaction; when the credit balance of the transaction user account is smaller than the amount of debit transaction, triggering multi-account check-up polling deduction, and sending the transaction user account information to a balance monitoring program;
the account deduction sequence calculation module is used for receiving the account information of the transaction users by using the balance monitoring program, triggering the appointed transfer function, acquiring the account basic information and the account financial attribute information of each user account by combining the multi-account connection relation, and calculating the account deduction sequence;
the online real-time transfer data forming module is used for calculating online real-time transfer-out amount of each user account except the transaction user account and online real-time transfer-in amount of the transaction user account according to the account basic information and the account financial attribute information of each user account by using the condition judgment statement to form online real-time transfer data;
the multi-account online transfer transaction module is used for performing multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
and the debit transaction execution module is used for executing the debit transaction on the account of the transaction user after the multi-account online transfer transaction is completed.
7. The apparatus of claim 6, wherein the account deduction sequence calculating module is specifically configured to:
receiving account information of a transaction user through a balance monitoring program, triggering an appointed transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by using the received account information of the transaction user in combination with a multi-account collusion relation;
carrying out account searching operation by using the account basic information and the account financial attribute information of each user account; wherein, the account searching process comprises the following steps:
searching the credit balances of all checking accounts in the same currency;
searching the credit balances of all savings accounts of the same currency;
searching the balance of check account credit of all port coins;
searching the balance of the savings account credit of all port coins;
searching the balance of check user credit of all Macao Yuan accounts;
searching the balance of the deposit user credit of all Macao Yuan accounts;
searching credit balance of all the remaining accounts according to the signing sequence;
and calculating and generating an account deduction sequence according to the account searching process.
8. The apparatus of claim 6, wherein the transaction user account credit balance determination module is further configured to:
when the credit balance of the transaction user account is not less than the amount of the debit transaction, the transaction user account performs the debit transaction and deducts the credit balance of the transaction user account.
9. The apparatus of claim 8, further comprising a service fee deduction module, specifically configured to:
when a multi-account collusion relation is established, selecting one user account from a plurality of user accounts as a charging account;
calculating the total service charge of a plurality of user accounts for establishing a multi-account linking relation according to the service parameters;
and deducting the total service fee from the charging account according to the set charging period.
10. The apparatus of claim 9, wherein the service fee deduction module is further configured to:
when the total service fee deduction fails, suspending the multi-account connection relation;
when one user account is subjected to debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
when the credit balance of the transaction user account is not less than the debit transaction, executing the debit transaction and deducting the credit balance of the transaction user account;
when the credit balance of the transaction user account is less than the amount of the debit transaction, executing the debit transaction, deducting all credit balances, determining the amount of the remaining debit transaction, and then deducting the amount of the remaining debit transaction from the debit balance of the transaction user account.
11. 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 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing a method according to any one of claims 1 to 5.
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