CN112330448A - Fund management method, terminal device and storage medium - Google Patents
Fund management method, terminal device and storage medium Download PDFInfo
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- CN112330448A CN112330448A CN202011167306.8A CN202011167306A CN112330448A CN 112330448 A CN112330448 A CN 112330448A CN 202011167306 A CN202011167306 A CN 202011167306A CN 112330448 A CN112330448 A CN 112330448A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
The application is applicable to the technical field of electronic commerce and provides a fund management method, terminal equipment and a storage medium, wherein the fund management method comprises the following steps: acquiring withdrawal application information; determining a corresponding account according to the withdrawal application information and acquiring corresponding account credit information; when the account credit information does not accord with the preset credit condition, acquiring fund flow information of the account within a preset time period; auditing the account according to the capital flow information; and when the account passes the audit, performing cash withdrawal operation on the account according to the cash withdrawal application information. The fund management method, the terminal device and the storage medium provided by the embodiment of the application evaluate the account credit information of each account aiming at cash withdrawal business with larger fund supervision risk, and when the account credit information does not meet preset conditions, the cash withdrawal application is checked by using the fund flow information, so that the fund management safety can be ensured, and meanwhile, the business circulation efficiency on a third-party platform is improved.
Description
Technical Field
The present application relates to the field of electronic commerce technologies, and in particular, to a method for fund management, a terminal device, and a storage medium.
Background
In the field of electronic commerce, a third-party platform for providing business support for buyers and sellers frequently exchanges funds with users. Such as entry fees, warranties and successful commissions, collection of charges on behalf of the user to the auction. Most of these capital transactions are large, tens of thousands, hundreds of thousands, and sometimes millions. Currently, for large-amount transactions, the third party platform often adopts off-line bank transfer and financial off-line manual accounting modes to ensure the safety of fund traffic. Although the offline online bank transfer and the financial offline manual accounting method have higher safety and reliability, the user cannot check the circulation condition of own funds on the third-party platform in real time, and the use is inconvenient. In addition, the financial affairs of the third-party platform are complicated to the fund statistics of the user, the financial affairs of the third-party platform can be manually confirmed after the user transfers offline, and the business transfer efficiency is seriously reduced.
Disclosure of Invention
In view of this, embodiments of the present application provide a fund management method, a terminal device, and a storage medium to solve the problem of inconvenient fund transfer for large-volume transactions in electronic commerce at present.
According to a first aspect, an embodiment of the present application provides a fund management method, including: acquiring withdrawal application information; determining a corresponding account according to the withdrawal application information and acquiring corresponding account credit information; when the account credit information does not accord with a preset credit condition, acquiring fund flow information of the account within a preset time period; auditing the account according to the fund flow information; and when the account passes the audit, performing cash withdrawal operation on the account according to the cash withdrawal application information.
With reference to the first aspect, in some embodiments of the present application, the fund management method further includes: and when the account credit information meets the preset credit condition, performing cash withdrawal operation on the account according to the cash withdrawal application information.
With reference to the first aspect, in some embodiments of the present application, the account credit information includes a credit guarantee of the account and/or a credit guarantee of an associated account corresponding to the account; and judging whether the account credit information meets a preset credit condition or not according to the account credit deposit and/or the account credit deposit of the associated account corresponding to the account.
In some embodiments of the present application, in combination with the first aspect, the credit guarantee includes a pre-stored fund and/or a pre-stored payment for the good.
With reference to the first aspect, in some embodiments of the present application, the account credit information includes fixed asset information corresponding to the account; and judging whether the account credit information meets a preset credit condition or not according to the fixed asset information corresponding to the account.
With reference to the first aspect, in some embodiments of the present application, before the step of determining a corresponding account according to the withdrawal application information and acquiring credit information of the corresponding account, the fund management method further includes: respectively evaluating the credit level of each account according to the historical transaction information, credit deposit and/or fixed asset information of each account; the credit rating pertains to the account credit information.
With reference to the first aspect, in some embodiments of the present application, the fund management method further includes: obtaining recharging application information; auditing the recharging application information according to preset pipelining information of a fund management account; and when the recharging application information passes the verification, executing recharging operation on the account corresponding to the recharging application information.
According to a second aspect, an embodiment of the present application provides a terminal device, including: the input unit is used for acquiring withdrawal application information, determining a corresponding account according to the withdrawal application information and acquiring corresponding account credit information; the auditing unit is used for acquiring fund flow information of the account within a preset time period when the credit information of the account does not accord with a preset credit condition, and auditing the account according to the fund flow information; and the execution unit is used for executing cash withdrawal operation on the account according to the cash withdrawal application information when the account passes the audit.
According to a third aspect, an embodiment of the present application provides another terminal device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the method according to the first aspect or any embodiment of the first aspect when executing the computer program.
According to a fourth aspect, embodiments of the present application provide a computer-readable storage medium, which stores a computer program, and the computer program, when executed by a processor, implements the steps of the method according to the first aspect or any embodiment of the first aspect.
According to the fund management method, the terminal device and the storage medium, the corresponding account is set for each user on a third-party platform for providing the trading double-party electronic transaction service, real-time electronic management of user funds is achieved, and the user can check the circulation condition of own funds on the third-party platform in real time. The method comprises the steps of evaluating account credit information of each account aiming at cash withdrawal business with larger fund supervision risk, automatically executing cash withdrawal operation by utilizing the account credit information, and further auditing cash withdrawal application by utilizing fund flow information when the account credit information does not meet preset conditions, so that the fund management safety can be ensured, and meanwhile, the business circulation efficiency on a third-party platform is improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a flow chart of a specific example of a method of fund management provided by an embodiment of the present application;
fig. 2 is a schematic structural diagram of a terminal device provided in an embodiment of the present application;
fig. 3 is a schematic structural diagram of another terminal device provided in the embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
An embodiment of the present application provides a fund management method, as shown in fig. 1, the method may include the following steps:
step S101: and acquiring withdrawal application information. The withdrawal application is generally an application issued by operating an account of a user after the user logs in the account of the third-party platform.
Step S102: and determining a corresponding account according to the withdrawal application information and acquiring corresponding account credit information.
In one embodiment, the account credit information may be a credit guarantee of the user's own account and/or a credit guarantee of an associated account corresponding to the user's account. On the third-party transaction platform, different users can be mutually set as associated accounts in a voluntary selection mode, so that the transaction risk and responsibility are jointly born, and meanwhile, the automated electronic financial service provided by the third-party platform for large-volume transaction is also jointly enjoyed.
When the associated accounts mutually trusted are set, the shared credit guarantee amount of each associated account can be set, so that the safety of the account per se is protected to a certain extent. Generally, two associated accounts that are paired mutually set a shared credit guarantee amount of equal amount. However, in some special cases, the paired two associated accounts may also respectively set the shared credit guarantees with different amounts for the other party. For example, on the third-party transaction platform, after the account of the parent company and the account of the subsidiary company are mutually set as the associated accounts, the parent company can configure more shared credit guarantee fund amount for the subsidiary company by virtue of the more aggressive credit guarantee fund of the parent company; the subsidiary company may choose not to configure a shared credit guarantee for its parent company, or to share a lesser amount of credit guarantee.
In practical application, a user can flexibly select a payment mode of the credit deposit according to the actual production and operation condition of the user. The credit guarantee deposit can comprise pre-stored funds and also can comprise pre-stored goods money corresponding to goods.
Besides the credit deposit paid by the user to the third-party platform in advance, the fixed asset information corresponding to each account can be independently or jointly used as the account credit information.
In addition, the credit rating of each account may be evaluated separately based on historical transaction information, credit guarantees, and/or fixed asset information for each account. The credit rating may be independent or collectively as its account credit information.
Step S103: and judging whether the account credit information meets the preset credit condition or not. When the account credit information meets the preset credit condition, carrying out cash withdrawal operation on the account according to the cash withdrawal application information; when the account credit information does not meet the preset credit condition, step S104 is executed.
When the credit guarantee is selected as the account credit information, the third-party platform can preset one or more credit conditions and set different credit conditions for the withdrawal amount in different amount ranges. For example, when the user requests that the withdrawal amount is less than or equal to fifty-thousand yuan and the credit deposit of the own account and/or the associated account is greater than or equal to 35% of the specific withdrawal amount, the credit deposit of the account and/or the credit deposit of the associated account corresponding to the account may be considered to be in accordance with the preset credit condition, that is, the account credit information is in accordance with the preset credit condition. When the amount of money for withdrawal of the user application is between five ten thousand yuan and twenty ten thousand yuan, and the credit deposit of the user account and/or the associated account is greater than or equal to 50% of the specific withdrawal amount, the credit deposit of the user account and/or the credit deposit of the associated account corresponding to the user account can be considered to be in accordance with the preset credit condition, that is, the credit information of the user account is in accordance with the preset credit condition. When the amount of money requested for withdrawal by the user is greater than twenty ten thousand yuan, and the credit deposit of the account and/or the associated account is greater than or equal to 65% of the specific withdrawal amount, the credit deposit of the account and/or the credit deposit of the associated account corresponding to the account can be considered to be in accordance with the preset credit condition, that is, the account credit information is in accordance with the preset credit condition.
By analogy with the above, when the fixed asset information is selected as the account credit information, the third-party platform may preset one or more credit conditions, and set different credit conditions for the withdrawal amount in different amount ranges.
When the credit rating is selected as the account credit information, the third-party platform can preset one or more credit conditions, and different credit conditions are set for users with different credit ratings and the line range of cash withdrawal of the users. For example, when the credit rating of the user is low, regardless of the specific cash withdrawal amount, it can be directly determined that the user does not meet the credit condition, and the process proceeds to step S104. When the credit rating of the user is higher, whether the specific withdrawal application meets the credit condition can be further judged by combining the credit guarantee fund. For example, in the case that the credit rating of the user is high, when the specific withdrawal amount is less than or equal to one hundred thousand, the user can directly determine that the user meets the credit condition without investigating the credit deposit; when the specific withdrawal amount is between one hundred thousand and twenty thousand, as long as the credit guarantee fund can reach 50 percent of the withdrawal amount, the credit guarantee fund can be determined to meet the credit condition.
Step S104: and acquiring fund flow information of the account within a preset time period.
Step S105: and auditing the account according to the fund flow information.
When the account credit information does not meet the preset credit condition, the third-party platform can review the withdrawal application information through the fund flow information of the account and check whether the current actual balance of the account meets the withdrawal application information.
Step S106: and judging whether the account passes the audit. When the account passes the audit, carrying out cash withdrawal operation on the account according to the cash withdrawal application information; and when the account passes the audit, feeding back information of cash withdrawal failure. And checking the current actual balance of the account according to the fund flow information of the account, and when the actual balance is larger than or equal to the withdrawal application amount, considering that the account passes the checking, and further executing withdrawal operation on the account according to the withdrawal application information.
In the method, steps S101 to S106 implement effective supervision according to credit information of each account for bringing up the service with a large capital supervision risk. In order to facilitate the user to enjoy other fast online financial services, the fund management method provided by the embodiment of the application also supports the user to recharge and query the account in real time. Specifically, a user needs to transfer money to a fund management account of a third-party platform and mark identification information such as an account name and the like of the user; secondly, the user logs in the account and sends recharging application information, and the recharging application information needs to contain information such as account identification information, recharging amount, transfer time and the like; after the third-party platform acquires the recharging application information, auditing the recharging application information according to the running water information of the fund management account in the transfer time range; if the transfer money of the user is confirmed to be transferred to the account in the running information within the transfer time range, and the transfer amount is consistent with the recharging application information, the recharging application information can be determined to pass the audit, and the recharging operation is executed on the account corresponding to the recharging application information.
According to the fund management method, the terminal device and the storage medium, the corresponding account is set for each user on a third-party platform for providing the trading double-party electronic transaction service, real-time electronic management of user funds is achieved, and the user can check the circulation condition of own funds on the third-party platform in real time. The method comprises the steps of evaluating account credit information of each account aiming at cash withdrawal business with larger fund supervision risk, automatically executing cash withdrawal operation by utilizing the account credit information, and further auditing cash withdrawal application by utilizing fund flow information when the account credit information does not meet preset conditions, so that the fund management safety can be ensured, and meanwhile, the business circulation efficiency on a third-party platform is improved.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.
An embodiment of the present application further provides a terminal device, as shown in fig. 2, the terminal device may include an input unit 201, an auditing unit 202, and an executing unit 203.
Specifically, the input unit 201 is configured to obtain withdrawal application information, determine a corresponding account according to the withdrawal application information, and obtain corresponding account credit information; the corresponding working process can be referred to the description of step S101 to step S102 in the above method embodiment.
When the account credit information does not meet the preset credit condition, the auditing unit 202 is used for acquiring fund flow information of the account within a preset time period and auditing the account according to the fund flow information; the corresponding working process can be referred to the description of step S103 to step S106 in the above method embodiment.
When the account passes the audit, the execution unit 203 is configured to execute a cash withdrawal operation on the account according to the cash withdrawal application information.
Fig. 3 is a schematic diagram of another terminal device provided in an embodiment of the present application. As shown in fig. 3, the terminal device 400 of this embodiment includes: a processor 401, a memory 402, and a computer program 403, such as a funds management program, stored in the memory 402 and operable on the processor 401. The processor 401, when executing the computer program 403, implements the steps in the various fund management method embodiments described above, such as the steps S101 to S106 shown in fig. 1. Alternatively, the processor 401, when executing the computer program 403, implements the functions of each module/unit in the above-described device embodiments, such as the functions of the input unit 201, the auditing unit 202, and the execution unit 203 shown in fig. 2.
The computer program 403 may be partitioned into one or more modules/units that are stored in the memory 402 and executed by the processor 401 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used for describing the execution process of the computer program 403 in the terminal device 400. For example, the computer program 403 may be partitioned into a synchronization module, a summarization module, an acquisition module, a return module (a module in a virtual device).
The terminal device 400 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 401, a memory 402. Those skilled in the art will appreciate that fig. 3 is merely an example of a terminal device 400 and is not intended to limit the terminal device 400 and may include more or fewer components than those shown, or some components may be combined, or different components, for example, the terminal device may also include input output devices, network access devices, buses, etc.
The Processor 401 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The storage 402 may be an internal storage unit of the terminal device 400, such as a hard disk or a memory of the terminal device 400. The memory 402 may also be an external storage device of the terminal device 400, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 400. Further, the memory 402 may also include both an internal storage unit and an external storage device of the terminal device 400. The memory 402 is used for storing the computer programs and other programs and data required by the terminal device. The memory 402 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned functional units and modules are illustrated as being divided, and in practical applications, the above-mentioned functions may be distributed as different functional units and modules according to needs, that is, the internal structure of the apparatus may be divided into different functional units or modules to complete all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit, and the integrated unit may be implemented in the form of a hardware or a software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. For the specific working processes of the units and modules in the system, reference may be made to the corresponding processes in the foregoing method embodiments, which are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described or recited in detail in a certain embodiment, reference may be made to the descriptions of other embodiments.
Those of ordinary skill in the art would appreciate that the elements and algorithm steps of the various embodiments described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when the actual implementation is performed, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes in the methods of the embodiments described above may be implemented by instructing related hardware through a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the embodiments of the methods described above may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, and software distribution medium, etc. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media may not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the present disclosure, and are intended to be included within the scope thereof.
Claims (10)
1. A method of fund management, comprising:
acquiring withdrawal application information;
determining a corresponding account according to the withdrawal application information and acquiring corresponding account credit information;
when the account credit information does not accord with a preset credit condition, acquiring fund flow information of the account within a preset time period;
auditing the account according to the fund flow information;
and when the account passes the audit, performing cash withdrawal operation on the account according to the cash withdrawal application information.
2. The funds management method of claim 1, further comprising:
and when the account credit information meets the preset credit condition, performing cash withdrawal operation on the account according to the cash withdrawal application information.
3. The funds management method of claim 2, wherein the account credit information includes a credit guarantee for the account and/or a credit guarantee for an associated account corresponding to the account;
and judging whether the account credit information meets a preset credit condition or not according to the credit deposit of the account and/or the credit deposit of the associated account corresponding to the account.
4. A method of funds management according to claim 3, wherein the credit guarantee includes pre-stored funds and/or a payment corresponding to pre-stored goods.
5. The funds management method of claim 2, wherein the account credit information includes fixed asset information corresponding to the account;
and judging whether the account credit information meets a preset credit condition or not according to the fixed asset information corresponding to the account.
6. The funds management method of claim 2, wherein prior to the steps of determining a corresponding account based on the cash-out application information and obtaining corresponding account credit information, the funds management method further comprises:
respectively evaluating the credit level of each account according to the historical transaction information, credit guarantee fund and/or fixed asset information of each account; the credit rating pertains to the account credit information.
7. The funds management method of claim 1, further comprising:
obtaining recharging application information;
auditing the recharging application information according to preset pipelining information of a fund management account;
and when the recharging application information passes the verification, executing recharging operation on the account corresponding to the recharging application information.
8. A terminal device, comprising:
the input unit is used for acquiring withdrawal application information, determining a corresponding account according to the withdrawal application information and acquiring corresponding account credit information;
the auditing unit is used for acquiring fund flow information of the account within a preset time period when the credit information of the account does not accord with a preset credit condition, and auditing the account according to the fund flow information;
and the execution unit is used for executing cash withdrawal operation on the account according to the cash withdrawal application information when the account passes the audit.
9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
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| CN202011167306.8A CN112330448A (en) | 2020-10-27 | 2020-10-27 | Fund management method, terminal device and storage medium |
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| CN202011167306.8A CN112330448A (en) | 2020-10-27 | 2020-10-27 | Fund management method, terminal device and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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