CN112215701B - 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 a plurality of user account information from a database of a banking system to establish a multi-account hooking relation; when one of the user accounts performs debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction; when the account deduction is smaller than the account deduction, triggering multi-account hooking polling deduction, sending the account information of the transaction user to a balance monitoring program, triggering a contract transfer function, combining the multi-account hooking relation, acquiring the account basic information and the account financial attribute information of each user account, and calculating the account deduction sequence; meanwhile, calculating online real-time transfer-out amount and real-time transfer-in amount of the transaction user account by using the condition judgment statement to form online real-time transfer data, and carrying out multi-account online transfer transaction on the transaction user account by combining 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 only can support the fund of two accounts and can not provide a multi-account balance sharing function; only the function of signing account can be monitored, but the balance of the target account cannot be monitored, for example, three accounts, namely A, B, C, signing account A has insufficient balance, only one-way money dialing from account B can be realized, and the insufficient balance of account B cannot be realized, and money is directly dialed from account C to account A; and the function of priority without deduction, if the subscription account has overdraft amount, the deduction from the target account cannot be performed, so that the account management fee and overdraft are possibly charged if the balance of the user is too low.
Therefore, how to provide a new solution to the above technical problem is a technical problem to be solved in the art.
Disclosure of Invention
The embodiment of the invention provides a flexible management method for funds among multiple accounts, which provides a service for mutual real-time transfer of multiple accounts in a bank for a user by establishing an account checking relation, and satisfies the efficient management of the user on the account, and comprises the following steps:
Acquiring a plurality of user account information from a database of a banking system;
establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts;
when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program;
receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence; deducting the balance in the line of the user account according to the account deduction sequence; the balance in the subscriber's line includes credit balance and debit balance; firstly deducting the credit balance and then deducting the debit balance;
calculating the online real-time transfer-out amount of each user account except the transaction user account and the online real-time transfer-in amount of the transaction user account by utilizing 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;
According to the account deduction sequence and online real-time transfer data, carrying out multi-account online transfer transaction on the transaction user account;
after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction;
the method further comprises the steps of: batch scanning transaction records with failed charge, and deducting the charge again; if the number of times of deduction failure exceeds the preset number of days, the state of the banking system updating contract is abnormal, and the multi-account hooking relation of the user is marked as pause.
The embodiment of the invention also provides a device for flexibly managing funds among multiple accounts, which comprises the following steps:
the information acquisition module is used for acquiring a plurality of user account information from a database of the banking system;
the multi-account hooking relation establishing module is used for establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts;
the transaction user account credit balance judging module is used for judging whether the credit balance of one of the transaction user accounts is smaller than the amount of the debit transaction when the debit transaction occurs in the one of the user accounts; when the credit balance of the transaction user account is smaller than the amount of the debit transaction, triggering multi-account hooking and 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 user by utilizing the balance monitoring program, triggering the contract transfer function, combining the multi-account hooking relation, acquiring the account basic information and the account financial attribute information of each user account, and calculating the account deduction sequence; deducting the balance in the line of the user account according to the account deduction sequence; the balance in the subscriber's line includes credit balance and debit balance; firstly deducting the credit balance and then deducting the debit balance;
the online real-time transfer data forming module is used for calculating online real-time transfer accounts of all user accounts except the transaction user accounts and real-time transfer accounts of the transaction user accounts by utilizing condition judgment sentences according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data;
the multi-account online transfer transaction module is used for carrying out multi-account online transfer transaction on the transaction user account according to the account deduction sequence and online real-time transfer data;
the debit transaction execution module is used for executing debit transaction by the transaction user account after the multi-account online transfer transaction is completed;
the device further comprises: batch scanning transaction records with failed charge, and deducting the charge again; if the number of times of deduction failure exceeds the preset number of days, the state of the banking system updating contract is abnormal, and the multi-account hooking relation of the user is marked as pause.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the multi-account fund flexible management method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method for flexibly managing funds among multiple accounts.
The embodiment of the invention provides a method and a device for flexibly managing funds among multiple accounts, which are characterized in that firstly, multiple user account information is obtained from a database of a banking system; then establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts; then when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program; continuously receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence; calculating online real-time transfer accounts of all user accounts except the transaction user accounts and the online real-time transfer accounts of the transaction user accounts by utilizing condition judgment sentences according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; then, carrying out multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data; finally, after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction. According to the embodiment of the invention, the account checking relation is established, so that the service of mutual real-time transfer of a plurality of accounts in the bank is provided for the user, and the efficient management of the user on the account is met. Meanwhile, the multi-account collude can realize that any account has insufficient balance, can dial money to any account and is flexible to use.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a schematic diagram of a method for flexibly managing funds among multiple accounts according to an embodiment of the invention.
Fig. 2 is a schematic diagram of a process of deducting total service fees according to a multi-account fund flexible management method according to an embodiment of the invention.
Fig. 3 is a schematic diagram of an account deduction sequence of a multi-account fund flexible management method according to an embodiment of the invention.
FIG. 4 is a schematic diagram of a computer device for performing a multi-account funds flexible management method embodying 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 invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
Fig. 1 is a schematic diagram of a flexible management method for funds between multiple accounts according to an embodiment of the present invention, as shown in fig. 1, where the flexible management method for funds between multiple accounts according to the embodiment of the present invention provides a service for transferring multiple accounts in a bank to each other in real time for a user by establishing an account hooking relationship, so as to satisfy efficient management of the user on the account, and the method includes:
step 101: acquiring a plurality of user account information from a database of a banking system;
step 102: establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts;
step 103: when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program;
step 104: receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence;
Step 105: calculating the online real-time transfer-out amount of each user account except the transaction user account and the online real-time transfer-in amount of the transaction user account by utilizing 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;
step 106: according to the account deduction sequence and online real-time transfer data, carrying out multi-account online transfer transaction on the transaction user account;
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 multi-account fund flexible management method, which comprises the steps of firstly, acquiring a plurality of user account information from a database of a banking system; then establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts; then when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program; continuously receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence; calculating online real-time transfer accounts of all user accounts except the transaction user accounts and the online real-time transfer accounts of the transaction user accounts by utilizing condition judgment sentences according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; then, carrying out multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data; finally, after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction. According to the embodiment of the invention, the account checking relation is established, so that the service of mutual real-time transfer of a plurality of accounts in the bank is provided for the user, and the efficient management of the user on the account is met. Meanwhile, the multi-account collude can realize that any account has insufficient balance, can dial money to any account and is flexible to use.
In the embodiment of the present invention, the terms involved mainly include:
sweet: the account balance is automatically transferred when the account balance reaches the contracted amount, so that the account balance is kept on the contracted result balance.
Online PULL (real-time transfer): when the account agreed by the user is under certain online financial transaction operation, the operation of the agreed transfer is automatically triggered when the account accords with specific conditions, and the system transfers a certain amount of money to the agreed account from the target account in an online mode each time according to the agreed conditions.
Subscription account: account requiring balance monitoring for appointment
Target account: indicating that the monitoring account agreed in advance reaches an agreed condition to be transferred out or transferred into a designated account;
result balance: refer to the reserved balance of the subscription account agreed in advance;
when the method for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented, 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 hooking relation for a plurality of user accounts according to the information of the plurality of user accounts; when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program; receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence; calculating the online real-time transfer-out amount of each user account except the transaction user account and the online real-time transfer-in amount of the transaction user account by utilizing 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; according to the account deduction sequence and online real-time transfer data, carrying out multi-account online transfer transaction on the transaction user account; after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction.
In the embodiment of the invention, a multi-account hooking relation is established for a plurality of user accounts according to the information of the plurality of user accounts, and the method mainly comprises the following steps: establishing a multi-account hooking relation among a plurality of user accounts according to the information of the plurality of user accounts through a newly added signing function; the newly added signing function can support signing of a plurality of accounts and support adding, deleting and modifying of the contract.
After any account of the contracted accounts performs debit transaction, checking whether the contracted contract exists or not, if the contracted state is normal and the credit balance is smaller than the minimum reserved balance, triggering the polling deduction of the multi-account hooked connection, and polling and taking the multi-account hooked connection from the other accounts.
When the method for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented, in one embodiment, the method for receiving the account information of the transaction user through the balance monitoring program, triggering the contract transfer function, combining the multi-account hooking relation to obtain the basic account information and the financial attribute information of each user account, and calculating the account deduction sequence comprises the following steps:
receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by utilizing the received transaction user account information and combining a multi-account hooking relation;
Performing account searching operation by using the account basic information and the account financial attribute information of each user account; the account searching process comprises the following steps:
searching the credit balances of all checking accounts with the same currency;
searching the credit balances of all savings accounts with the same currency;
searching the credit balances of checking accounts of all harbor coins;
searching the credit balances of savings accounts of all harbor coins;
searching the credit balances of cheque accounts of all Australian element accounts;
searching the credit balances of savings accounts of all Australian element accounts;
searching the credit balances of all the residual accounts according to the signing sequence;
and calculating and generating an account deduction sequence according to the account searching process.
In an embodiment, the calculation and generation of the account deduction sequence may specifically include the following account searching process: firstly, finding the credit balances of checking accounts with the same currency (the same currency is in a subscription order); finding the credit balances of all savings accounts with the same currency (the same currency is in subscription order); searching the credit balances of checking accounts of all harbors (the checking accounts and the currencies are signed in order); searching the credit balances of deposit accounts of all harbor coins (the deposit accounts and the currencies are signed in order); searching the credit balances of cheque accounts (in subscription order with currency) of all Australian element accounts; searching the credit balances of all the savings accounts of Australian element accounts (the savings accounts and the money are in subscription order); searching the credit balances of all the residual 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 line of the user account according to the account deduction sequence; wherein the balance in the subscriber's line includes a credit balance and a debit balance; through the above steps of firstly deducting the credit balance and then deducting the debit balance, the user uses the overdraft balance as little as possible, and the condition that the user pays overdraft interest is reduced. Meanwhile, the balance of the account with the currency is deducted preferentially, and the balance of the currencies of other accounts is deducted, so that the loss caused by exchange generated by the user is reduced, and the benefit of the user is guaranteed to the greatest extent. The account financial attribute information mainly includes: the credit balance of the checking account with currency, the credit balance of the savings account with currency, the credit balance of the checking account of the harbor currency, the credit balance of the savings account of the harbor currency, the credit balance of the checking account of the Australian element account, the credit balance of the savings account of the Australian element account, the credit balance of the residual account and the full currency debit balance.
For example, a user includes A, B, C three user accounts, and according to the account deduction sequence obtained by the calculation, the online real-time transfer data is combined to perform online multi-account transfer transaction to the transaction user account, which mainly includes:
and carrying out SWEEP transaction according to the deduction sequence, and assuming the transaction account is A, and the deduction sequence is B and C. Triggering online PULL, pulling the credit balance of the B account to A, if insufficient payment is not made, pulling the credit balance of the C account to A, and if insufficient debit balance of the A account is made, pulling the debit balance of the B account to A, and pulling the debit balance of the C account to A. If the balance of all accounts is insufficient to deduct money, the transaction fails. And when the balance of the account B and the account C is transferred to the account A, the account A executes debit transaction again, and deduction is carried out.
The foregoing account basic information of each user account at least includes: credit balance, debit balance, reserve balance, frozen amount, load amount, overdraft amount. The foregoing account financial attribute information of each user account at least includes: currency, account status, freeze status, primary and secondary account information, account type.
When the method for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented, in one embodiment, the method further comprises the following steps:
And when judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction by the transaction user account and deducting the credit balance of the transaction user account when the credit balance of the transaction user account is not smaller than the amount of the debit transaction.
Fig. 2 is a schematic diagram of a process of deducting total service fees in a multi-account funds flexible management method according to an embodiment of the present invention, and as shown in fig. 2, when the multi-account funds flexible management method according to the embodiment of the present invention is implemented, in one embodiment, the method further includes:
step 201: when establishing a multi-account hooking relation, selecting one user account from a plurality of user accounts as a charging account;
step 202: calculating total service fees of a plurality of user accounts for establishing a multi-account hooking 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, deducting the total service fee mainly includes: firstly, when a multi-account hooking 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 hooking relation; and finally, deducting the total service charge from the charging account according to the set charging period. In one example, the charging period is 1 month, and at the evening of each month, the users and the user accounts which are related to all signed effective contracts and establish the multi-account hooking relation are scanned, and the total service fees of the plurality of user accounts which establish the multi-account hooking relation are calculated according to the service parameters of the corresponding users of the first signed account, so that the customers are priced to charge. And (5) scanning records of charging failure in batches at night every day, and re-deducting the charges. If the number of times of deduction failure exceeds 30 days, the state of the system updating contract is abnormal, and the multi-account hooking relation of the user is marked as pause. When the online transaction is newly added, a teller can manually modify the charging account number, trigger charging or set to be free, 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 invention is implemented, in one embodiment, the method further comprises the following steps:
suspending the multi-account hooking relationship when deducting the total service fee fails;
when one of the user accounts performs debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
executing a debit transaction when the credit balance of the transaction user account is not less than the debit transaction, and deducting the credit balance of the transaction user account;
and when the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction, firstly deducting the whole credit balance, determining the residual debit transaction amount, and then deducting the residual debit transaction amount 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 of failure to deduct the total service fee occurs,
suspending the multi-account hooking relationship when deducting the total service fee fails; returning all accounts under the user name to mutually independent states, and judging whether the credit balance of one user account of the transaction is smaller than the amount of the debit transaction when the debit transaction occurs to one user account; when the credit balance of the transaction user account is not less than the debit transaction, the credit balance of the transaction user account is sufficient, and the execution condition of the debit transaction is met, so that the debit transaction can be executed, and the credit balance of the transaction user account is deducted; the debit balance of the transaction user account does not change.
When the credit balance of the transaction user account is smaller than the amount of the debit transaction, the credit balance of the transaction user does not meet the execution condition of the debit transaction, and a part of the amount needs to be borrowed from the debit balance to generate corresponding borrowing interest, so that the debit transaction is executed, all the credit balances are deducted first, the rest of the debit transaction amount is determined, and then the rest of the debit transaction amount is deducted from the debit balance of the transaction user account. The remaining debit transaction amount deducted from the debit balance of the transaction user account is calculated from the time of deduction.
In an embodiment, a specific method for triggering multi-account hooking mainly includes:
1. triggering the SWEEP and sequence description:
fig. 3 is a schematic diagram of an account deduction sequence of a multi-account fund flexible management method according to an embodiment of the present invention, where, as shown in fig. 3, deduction is performed according to a priority sequence when the amount of money triggered before signing accounts is lower than the balance of the result. A. B, C three accounts sign up for the multi-account hook connection, if the counter withdrawal balance of the A account is insufficient, and when the three accounts have overdraft, the SWEEP needs to be triggered four times successively, the specific deduction sequence is shown in the following chart, meanwhile, the balance of results needs to be reserved for the B account and the C account, and the situation of exchange generation before transfer of the AB account and the AC account is considered. And then conducting the withdrawal transaction of the account A.
2. The formula for calculating the amount of each PULL mainly includes:
1) The transaction account requires a triggered PULL amount (which includes an amount that may be debited to the transaction account):
(1) if there is no overdraft credit or (there is partial freezing of the debit (amount frozen)):
expected PULL total = absolute value of the incurred amount-current balance of account before financial transaction + result balance + frozen amount;
(2) otherwise
(i.e., overdraft and (no debit part frozen));
IF result balance < = overdraft;
expected PULL total = absolute value of the occurrence-current balance of account before financial transaction + frozen amount;
IF result balance > overdraft;
expected PULL total = absolute value of the occurrence-current balance of account before financial transaction + frozen amount + result balance-overdraft;
if the expected total amount of PULL is greater than 0, multi-account checking needs to be triggered, but if the credit balance of the target account is 0 and the debit balance of the transaction account is sufficient, multi-account checking may not be triggered;
2) The target account may be a credit balance for PULL:
(1) if there is no overdraft credit or (there is partial freezing of the debit (amount frozen)):
the amount that can be pulled = account current balance-result balance-frozen amount;
(2) Otherwise
(i.e., overdraft and (no debit part frozen));
IF result balance < = overdraft;
the amount that can be pulled = account current amount-frozen amount;
IF result balance > overdraft;
the amount that can be pulled = account current balance-frozen amount-result balance + overdraft;
(3) if the amount that can be pulled is <0, the amount that can be pulled=0;
3) Debit balance that transaction account can withdraw:
(1) if the transaction account has no overdraft, or (there is a partial freeze of the debit (amount frozen)), is 0,
(2) otherwise
(i.e., the transaction account has overdraft and (there is no debit part frozen));
IF result balance < = overdraft;
the PULL amount = overdraft amount-result balance;
IF result balance > overdraft;
the PULL amount=0;
(3) if the amount that can be pulled is <0, the amount that can be pulled=0;
4) The target account may PULL the debit balance:
(1) if the target account has no overdraft, or (there is a partial freeze of the debit (amount frozen), otherwise:
the amount that can be pulled = the available balance after the credit deduction (the available balance before the transaction-the amount of the credit deduction) -the resulting balance;
(2) if the amount that can be pulled is <0, the amount that can be pulled=0;
3. Calculating the SWEEP amount mainly comprises the following steps:
1) Calculating the PULL AMOUNT TOT-AMOUNT needed to be triggered by the transaction account A, wherein TOT-AMOUNT < =0, and not reporting the exit program by mistake;
2) Lender of B: calculating the credit balance of the transaction account B which can be pulled; if TOT-AMOUNT < = B can be the credit balance of PULL, triggering the PULL AMOUNT SWEEP-AMOUNT1=TOT-AMOUNT, and ending the calculation;
otherwise sweet-amount1=b may be the credit balance of PULL;
TOT-AMOUNT=TOT-AMOUNT-B can be the credit balance of PULL (accounting for redemption);
3) Lender of C: calculating the credit balance of the transaction account C which can be pulled;
if TOT-AMOUNT < = C can be the credit balance of PULL, then the PULL AMOUNT SWEEP-AMOUNT2=TOT-AMOUNT is solved, and the calculation is ended;
otherwise
Sweet-amount2=c can be the credit balance of PULL;
TOT-AMOUNT = TOT-AMOUNT-C can be the credit balance of PULL (accounting for redemption);
4) Borrowing of A: calculating the debit balance which can be withdrawn by the transaction account, and if TOT-AMOUNT < = A, ending the calculation;
otherwise, TOT-AMOUNT=TOT-AMOUNT-A transaction account may be withdrawn;
5) Borrowing formula B: calculating a debit balance that transaction account B may PULL; if TOT-AMOUNT < = B can be the borrowing balance of PULL, triggering the PULL AMOUNT SWEEP-AMOUNT3=TOT-AMOUNT, and ending calculation;
Otherwise
Sweet-amount3=b can be the debit balance of PULL;
TOT-AMOUNT = TOT-AMOUNT-B can be the debit balance of PULL (accounting for redemption);
6) Borrowing of C: calculating the debit balance of the transaction account C which can be pulled;
if TOT-AMOUNT < = C can be the borrowing balance of PULL, triggering the PULL AMOUNT SWEEP-AMOUNT4=TOT-AMOUNT, and ending calculation;
otherwise
The transaction reports errors, and the balances of A, B and C are insufficient for withdrawing money.
7) If the balances of SWEEP-AMOUNT1-4 are all 0, the process is exited.
Fig. 4 is a schematic diagram of a computer device for running a multi-account fund flexible management method implemented by the present invention, and as shown in fig. 4, an embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and capable of running on the processor, where the processor implements the multi-account fund flexible management method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for implementing the method for flexibly managing funds among multiple accounts.
The embodiment of the invention also provides a multi-account fund flexible management device, which is described in the following embodiment. Because the principle of the device for solving the problem is similar to that of a multi-account fund flexible management method, the implementation of the device can refer to the implementation of the multi-account fund flexible management method, and the repetition is omitted.
Fig. 5 is a schematic diagram of a multi-account fund flexible management device according to an embodiment of the present invention, and as shown in fig. 5, the embodiment of the present invention further provides a multi-account fund flexible management device, including:
an information obtaining module 501, configured to obtain a plurality of user account information from a database of a banking system;
the multi-account hooking relation establishing module 502 is configured to establish a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts;
a credit balance determination module 503 of the transaction user account, configured to determine, when one of the user accounts performs a debit transaction, whether the credit balance of the transaction user account is less than the amount of the debit transaction; when the credit balance of the transaction user account is smaller than the amount of the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program;
the account deduction sequence calculating module 504 is configured to receive account information of a transaction user by using a balance monitoring program, trigger a contract transfer function, acquire account basic information and account financial attribute information of each user account by combining a multi-account hooking relationship, and calculate an account deduction sequence;
the online real-time transfer data forming module 505 is configured to calculate online real-time transfer amounts of each user account except the transaction user account and real-time transfer amounts 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, so as to form online real-time transfer data;
The multi-account online transfer transaction module 506 is configured to perform multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data;
the debit transaction execution module 507 is configured to execute a debit transaction for the transaction user account 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 invention is implemented, in one embodiment, the account deduction sequence calculating module is specifically used for:
receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by utilizing the received transaction user account information and combining a multi-account hooking relation;
performing account searching operation by using the account basic information and the account financial attribute information of each user account; the account searching process comprises the following steps:
searching the credit balances of all checking accounts with the same currency;
searching the credit balances of all savings accounts with the same currency;
searching the credit balances of checking accounts of all harbor coins;
searching the credit balances of savings accounts of all harbor coins;
Searching the credit balances of cheque accounts of all Australian element accounts;
searching the credit balances of savings accounts of all Australian element accounts;
searching the credit balances of all the residual accounts according to the signing sequence;
and calculating and generating an account deduction sequence according to the account searching process.
When the device for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented, in one embodiment, the transaction user account credit balance judging module is further used for:
and when judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction by the transaction user account and deducting the credit balance of the transaction user account when the credit balance of the transaction user account is not smaller than the amount of the debit transaction.
When the device for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented, in one embodiment, the device further comprises a service fee deduction module, which is specifically used for:
when establishing a multi-account hooking relation, selecting one user account from a plurality of user accounts as a charging account;
calculating total service fees of a plurality of user accounts for establishing a multi-account hooking relation according to the service parameters;
And deducting the total service fee from the charging account according to the set charging period.
When the device for flexibly managing funds among multiple accounts provided by the embodiment of the invention is implemented, in one embodiment, the service fee deduction module is further used for:
suspending the multi-account hooking relationship when deducting the total service fee fails;
when one of the user accounts performs debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
executing a debit transaction when the credit balance of the transaction user account is not less than the debit transaction, and deducting the credit balance of the transaction user account;
and when the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction, firstly deducting the whole credit balance, determining the residual debit transaction amount, and then deducting the residual debit transaction amount from the debit balance of the transaction user account.
The invention also provides another embodiment of a multi-account fund flexible management device, which mainly comprises:
and a signing module: and providing subscription service for a plurality of accounts, providing processing basis for the service provided by the system, and establishing a multi-account hooking relation.
And the deduction sequence calculation module is used for: and calculating a reasonable account deduction sequence of the touch push according to the basic account information such as contract information, currency information, credit balance, account type and the like and the financial attribute information of the account.
The SWEEP online real-time transfer data calculation module: and calculating the online real-time transfer-out amount of each user account except the transaction user account and the real-time transfer-in amount of the transaction user account by using the condition judgment statement to form online real-time transfer data.
Triggering the SWEEP module: and according to the calculated deduction sequence and the SWEEP online real-time transfer data, initiating SWEEP's PULL transfer transaction one by one, and carrying out multi-account online transfer transaction to the transaction user account.
Batch modules: and charging a service fee for the subscribed service at the end of each month, and calculating the fee according to the parameters priced by the customers. And (3) at each night, carrying out the additional payment and re-deduction on the record of the charge failure, and if the number of times of the additional payment failure exceeds 30 times (parameterization), updating contract to be abnormal and suspending the hooking service.
An online charging module: and providing a manual charge-up or charge-free function for the record of the charge failure, and if the additional payment or the manual charge-up is successful, updating the contract state to be normal, so that the hooking service can be continuously used.
The flexible management of funds among multiple accounts of the module is realized through the module, and the method mainly comprises the following steps:
step 1: and calling a subscription module, wherein the module needs to record contract information of the user, including a plurality of subscription accounts, contract effective dates, expiration dates, result balances and the like. And provides the function of adding, deleting 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 signed SWEEP contract according to a signing module, if so, the system calls a payment order calculation module, a SWEEP online real-time transfer data calculation module and a SWEEP triggering module, triggers the multi-time PULL transfer of SWEEP to the transaction account, immediately and practically updates the balance of the transaction account, and then initiates the debit transaction. And persist the data to a database.
Step 3: and (3) turning up a batch module, calculating the charging amount according to the contract information acquired by the signing module and the charging information acquired by the charging parameters at the end of each month, and carrying out charging treatment. If the charging fails, the information of the charging failure is persisted to the database.
Step 4: and (3) calling up the batch module, and carrying out the process of recharging every day according to the charging failure information acquired by the batch module and the recourse days acquired by reading the charging parameters. If the contract is larger than the number of the additional payment days, calling a contract signing module, and updating the contract state to be abnormal.
Step 5: and calling an online charging module, re-carrying out charging processing according to the charging failure information acquired by the batch module and the newly input new charging account number or charging amount, and calling a signing module if the charging processing is successful, wherein the state of the updated contract is normal.
In summary, the method and the device for flexibly managing funds among multiple accounts provided by the embodiment of the invention firstly acquire the information of multiple user accounts from a database of a banking system; then establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts; then when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program; continuously receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence; calculating online real-time transfer accounts of all user accounts except the transaction user accounts and the online real-time transfer accounts of the transaction user accounts by utilizing condition judgment sentences according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data; then, carrying out multi-account online transfer transaction to the transaction user account according to the account deduction sequence and online real-time transfer data; finally, after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction. According to the embodiment of the invention, the account checking relation is established, so that the service of mutual real-time transfer of a plurality of accounts in the bank is provided for the user, and the efficient management of the user on the account is met. Meanwhile, the multi-account collude can realize that any account has insufficient balance, can dial money to any account and is flexible to use.
The embodiment of the invention also realizes the following technical effects:
1. balance monitoring is carried out on a plurality of accounts, the balances among the accounts are mutually and automatically allocated in real time, and the balances are shared;
2. the credit balance before the account is guaranteed to be used up, the balance of the borrower is used, and the user is prevented from taking unnecessary debit interest.
3. The priority deduction service of the account is provided, the priority deduction of the same currency is performed, meanwhile, the preferential fixed exchange rate is provided, and the optimal service is provided for the user to the greatest extent.
4. The invention also provides contract service fee for the colluded service, realizes the automatic additional payment function of the charging failure system, and can automatically start and pause the service according to the success and failure conditions of additional payment.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (12)
1. A method for flexibly managing funds among multiple accounts, comprising:
acquiring a plurality of user account information from a database of a banking system;
establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts;
when one of the user accounts performs 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 the debit transaction, triggering multi-account hooking and polling deduction, and sending the transaction user account information to a balance monitoring program;
Receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, acquiring account basic information and account financial attribute information of each user account by combining a multi-account hooking relation, and calculating an account deduction sequence; deducting the balance in the line of the user account according to the account deduction sequence; the balance in the subscriber's line includes credit balance and debit balance; firstly deducting the credit balance and then deducting the debit balance; the contracted transfer refers to the fact that a user and a bank contract in advance, and when the account balance reaches the contracted amount, the bank automatically completes the transfer, so that the account balance is kept on the contracted result balance;
calculating the online real-time transfer-out amount of each user account except the transaction user account and the online real-time transfer-in amount of the transaction user account by utilizing 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;
according to the account deduction sequence and online real-time transfer data, carrying out multi-account online transfer transaction on the transaction user account;
after the multi-account online transfer transaction is completed, the transaction user account performs a debit transaction;
the method further comprises the steps of: batch scanning transaction records with failed charge, and deducting the charge again; if the number of times of deduction failure exceeds the preset number of days, the state of the banking system updating contract is abnormal, and the multi-account hooking relation of the user is marked as pause.
2. The method of claim 1, wherein receiving transaction user account information via the balance monitor, triggering a promissory transfer function, acquiring account base information and account financial attribute information for each user account in combination with a multi-account hooking relationship, and calculating an account deduction order, comprising:
receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by utilizing the received transaction user account information and combining a multi-account hooking relation;
performing account searching operation by using the account basic information and the account financial attribute information of each user account; the account searching process comprises the following steps:
searching the credit balances of all checking accounts with the same currency;
searching the credit balances of all savings accounts with the same currency;
searching the credit balances of checking accounts of all harbor coins;
searching the credit balances of savings accounts of all harbor coins;
searching the credit balances of cheque accounts of all Australian element accounts;
searching the credit balances of savings accounts of all Australian element accounts;
searching the credit balances of all the residual accounts according to the signing sequence;
And calculating and generating an account deduction sequence according to the account searching process.
3. The method as recited in claim 1, further comprising:
and when judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction by the transaction user account and deducting the credit balance of the transaction user account when the credit balance of the transaction user account is not smaller than the amount of the debit transaction.
4. A method as recited in claim 3, further comprising:
when establishing a multi-account hooking relation, selecting one user account from a plurality of user accounts as a charging account;
calculating total service fees of a plurality of user accounts for establishing a multi-account hooking 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 as recited in claim 4, further comprising:
suspending the multi-account hooking relationship when deducting the total service fee fails;
when one of the user accounts performs debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
executing a debit transaction when the credit balance of the transaction user account is not less than the debit transaction, and deducting the credit balance of the transaction user account;
And when the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction, firstly deducting the whole credit balance, determining the residual debit transaction amount, and then deducting the residual debit transaction amount from the debit balance of the transaction user account.
6. A multi-account funds flexible management apparatus, 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 hooking relation establishing module is used for establishing a multi-account hooking relation for a plurality of user accounts according to the information of the plurality of user accounts;
the transaction user account credit balance judging module is used for judging whether the credit balance of one of the transaction user accounts is smaller than the amount of the debit transaction when the debit transaction occurs in the one of the user accounts; when the credit balance of the transaction user account is smaller than the amount of the debit transaction, triggering multi-account hooking and 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 user by utilizing the balance monitoring program, triggering the contract transfer function, combining the multi-account hooking relation, acquiring the account basic information and the account financial attribute information of each user account, and calculating the account deduction sequence; deducting the balance in the line of the user account according to the account deduction sequence; the balance in the subscriber's line includes credit balance and debit balance; firstly deducting the credit balance and then deducting the debit balance; the contracted transfer refers to the fact that a user and a bank contract in advance, and when the account balance reaches the contracted amount, the bank automatically completes the transfer, so that the account balance is kept on the contracted result balance;
The online real-time transfer data forming module is used for calculating online real-time transfer accounts of all user accounts except the transaction user accounts and real-time transfer accounts of the transaction user accounts by utilizing condition judgment sentences according to the account basic information and the account financial attribute information of each user account to form online real-time transfer data;
the multi-account online transfer transaction module is used for carrying out multi-account online transfer transaction on the transaction user account according to the account deduction sequence and online real-time transfer data;
the debit transaction execution module is used for executing debit transaction by the transaction user account after the multi-account online transfer transaction is completed;
the device further comprises: batch scanning transaction records with failed charge, and deducting the charge again; if the number of times of deduction failure exceeds the preset number of days, the state of the banking system updating contract is abnormal, and the multi-account hooking relation of the user is marked as pause.
7. The apparatus of claim 6, wherein the account deduction order calculation module is specifically configured to:
receiving transaction user account information through a balance monitoring program, triggering a contract transfer function, and acquiring account basic information and account financial attribute information of each user account through calculation by utilizing the received transaction user account information and combining a multi-account hooking relation;
Performing account searching operation by using the account basic information and the account financial attribute information of each user account; the account searching process comprises the following steps:
searching the credit balances of all checking accounts with the same currency;
searching the credit balances of all savings accounts with the same currency;
searching the credit balances of checking accounts of all harbor coins;
searching the credit balances of savings accounts of all harbor coins;
searching the credit balances of cheque accounts of all Australian element accounts;
searching the credit balances of savings accounts of all Australian element accounts;
searching the credit balances of all the residual 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:
and when judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction by the transaction user account and deducting the credit balance of the transaction user account when the credit balance of the transaction user account is not smaller than the amount of the debit transaction.
9. The apparatus of claim 8, further comprising a service fee deduction module, in particular for:
When establishing a multi-account hooking relation, selecting one user account from a plurality of user accounts as a charging account;
calculating total service fees of a plurality of user accounts for establishing a multi-account hooking 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:
suspending the multi-account hooking relationship when deducting the total service fee fails;
when one of the user accounts performs debit transaction, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction;
executing a debit transaction when the credit balance of the transaction user account is not less than the debit transaction, and deducting the credit balance of the transaction user account;
and when the credit balance of the transaction user account is smaller than the amount of the debit transaction, executing the debit transaction, firstly deducting the whole credit balance, determining the residual debit transaction amount, and then deducting the residual debit transaction amount 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 which, when executed by a processor, implements the method of any of claims 1 to 5.
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