CN112634010A - Fund preallocation processing method, device, electronic equipment and medium - Google Patents

Fund preallocation processing method, device, electronic equipment and medium Download PDF

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CN112634010A
CN112634010A CN202011474764.6A CN202011474764A CN112634010A CN 112634010 A CN112634010 A CN 112634010A CN 202011474764 A CN202011474764 A CN 202011474764A CN 112634010 A CN112634010 A CN 112634010A
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allocated
amount
merchant
current
batch
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尹智
揭育柱
吴兴威
蒙龙达
梁艳姬
邱文超
李观钊
付小丽
郑梓悫
罗恕人
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China Construction Bank Corp
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China Construction Bank Corp
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Abstract

The embodiment of the invention discloses a fund preallocation processing method, a fund preallocation processing device, electronic equipment and a fund preallocation processing medium. The method comprises the following steps: determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date; executing the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant; and carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear. By executing the technical scheme, single-day multi-batch fund pre-transfer and fund pre-transfer parameter configuration of large-amount merchants can be realized.

Description

Fund preallocation processing method, device, electronic equipment and medium
Technical Field
The embodiment of the invention relates to the technical field of computers and finance, in particular to a fund pre-allocation processing method, a fund pre-allocation processing device, electronic equipment and a fund pre-allocation processing medium.
Background
With the vigorous development of the market, the number of merchants is from millions level, and the merchants are rapidly developed to tens of millions level. The large group merchants covering various industries have high real-time requirements on funds and huge money. Aiming at the personalized merchant fund clearing requirement, the traditional fund transfer and clearing method cannot automatically judge, automatically pre-transfer and automatically clear the surplus sum, gather and roll the poor clearing, particularly, the traditional fund transfer and clearing method cannot clear the large merchant with large fund flow for many times every day, cannot ensure sufficient operating funds of the merchant, and cannot ensure the success rate and the accuracy rate of each fund transfer, so that a bank system urgently needs a fund transfer method which can automatically transfer at regular time, is accurate and timely, and can adapt to different scene configurations for the transfer amount parameters.
Disclosure of Invention
The embodiment of the invention provides a fund preallocation processing method, a fund preallocation processing device, electronic equipment and a fund preallocation processing medium, so as to achieve the technical effects of single-day multi-batch fund preallocation of large-amount merchants and fund preallocation parameter configuration.
In a first aspect, an embodiment of the present invention provides a fund preallocation processing method, including:
determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
executing the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant;
and carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
In a second aspect, an embodiment of the present invention further provides a fund preallocation processing apparatus, including:
the amount determining module is used for determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
the pre-transfer execution module executes the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant;
and the clearing execution module is used for executing the fund summarizing and rolling clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
In a third aspect, an embodiment of the present invention further provides an electronic device, including:
one or more processors;
storage means for storing one or more programs;
the one or more programs are executable by the one or more processors to cause the one or more processors to implement a method of money pre-transfer processing as provided in any embodiment of the invention.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the money pre-allocation processing method as provided in any of the embodiments of the present invention.
The embodiment of the invention provides a fund pre-transfer processing method, which determines the pre-transfer amount of a merchant of a large-amount merchant in a current pre-transfer batch according to a pre-configured current pre-transfer configuration table, wherein the current pre-transfer configuration table indicates at least two batches of fund pre-transfer parameters in the current date, then executes the fund pre-transfer operation of the current batch in the current date according to the pre-transfer amount of the merchant, and finally executes the fund summary rolling difference clearing of the current pre-transfer batch according to the pre-transfer amount of the merchant of the large-amount merchant in the current pre-transfer batch and the amount of money to be cleared by the merchant.
By adopting the technical scheme, at least two batches of fund pre-allocation parameters under the current date are configured in the pre-allocation configuration table, the pre-allocation amount of a merchant is determined according to the at least two batches of fund pre-allocation parameters under the current date, the pre-allocation operation of the current batch of funds under the current date is executed according to the pre-allocation amount of the merchant, the sum rolling difference clearing of the funds of the current pre-allocation batch is executed through the pre-allocation amount of the merchant and the amount which the merchant should clear in the fund pre-allocation parameters, and the technical effects of single-day multi-batch fund pre-allocation and fund pre-allocation parameter configuration of large-amount merchants can be achieved.
The above summary of the present invention is merely an overview of the technical solutions of the present invention, and the present invention can be implemented in accordance with the content of the description in order to make the technical means of the present invention more clearly understood, and the above and other objects, features, and advantages of the present invention will be more clearly understood.
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Other features, objects and advantages of the invention will become more apparent upon reading of the following detailed description of non-limiting embodiments thereof, made with reference to the accompanying drawings. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow chart of a money pre-transfer processing method according to an embodiment of the present disclosure;
FIG. 2 is a flow chart of another method of money pre-transfer processing provided in example two of the present application;
FIG. 3 is a flow chart of another fund pre-transfer processing method provided in the third embodiment of the present application;
FIG. 4 is a schematic diagram of a money pre-transfer summary clearing provided in the third embodiment of the present application;
FIG. 5 is a schematic diagram of another money transfer summary clearing provided in the third embodiment of the present application;
FIG. 6 is a schematic structural diagram of a money pre-allocation processing device provided in the fourth embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device according to a fifth embodiment of the present application.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the operations (or steps) as a sequential process, many of the operations can be performed in parallel, concurrently or simultaneously. In addition, the order of the operations may be re-arranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like.
Example one
Fig. 1 is a flowchart of a money pre-allocation processing method provided in an embodiment of the present invention, where the method is applicable to a situation where a bank performs a multi-batch money pre-allocation for a customer with a large fund flow, and the method may be executed by a money pre-allocation processing apparatus, which may be implemented by software and/or hardware, and may be integrated in an electronic device. As shown in fig. 1, the fund preallocation processing method in this embodiment includes the following steps:
s110, determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-transfer configuration table is used for indicating the fund pre-transfer parameters of at least two batches at the current date.
Under the condition that the bill receiving business of a bank is continuously developed, the number of merchants is rapidly developed to the million level, more and more large merchants needing large amount of funds are needed every day, the large merchants all need to provide fund preallocation by the bank to ensure the real-time performance of the funds, the traditional batch liquidation mode depending on a host account system cannot meet the fund demand of large merchants of a group due to the defects of long time consumption, delayed liquidation after changing days, influence on the fund operation efficiency of the large merchants and the like, and therefore a real-time, accurate, automatic and multi-batch fund preallocation method capable of ensuring the real-time performance of the bank is needed to improve the business level of the bank.
The bank pre-allocation system determines the pre-allocation amount of a large-amount merchant needing to pre-allocate funds under the current pre-allocation batch according to a pre-configured current pre-allocation configuration table, the large-amount merchant can be an operating institution with credit guarantee of millions of daily transaction amount and billions or even billions of money, at least two batches of fund pre-allocation parameters under the current date are arranged in the current pre-allocation configuration table, illustratively, three batches of funds can be pre-allocated in one day, and the funds can be pre-allocated respectively in the morning, at noon and in the afternoon.
In an alternative of the present embodiment, it may be combined with one or more of the alternatives of the present embodiment. Wherein the fund pre-transfer parameters comprise: pre-allocated amount, pre-allocated fixed amount and random number range.
Specifically, the pre-allocated quota is obtained by the ratio of the total quota pre-allocated in a single day in the current quarter to the total fund clearing quota of each batch of the merchants with large previous quarter, and single-batch quota management and control are provided. In the bank pre-allocation system, a single-day pre-allocation total amount of a large merchant in the current quarter is fixed, and the pre-allocation total amount of each batch of the current quarter is obtained according to the single-day pre-allocation total amount of the current quarter and the ratio of the total amount of each batch of capital liquidation of the large merchant in the previous quarter.
Specifically, the pre-allocated fixed amount is determined by the average value of the merchant clearing amounts of each batch of merchants in the previous month of the current month to which the current date belongs.
Specifically, the random number range is determined by a first limit value and a second limit value; the first limit value is determined by the difference between the minimum value of the merchant clearing amount in the month previous to the current month to which the current date belongs and the average value of the merchant clearing amounts, and the second limit value is determined by the difference between the maximum value of the merchant clearing amount in the month previous to the current month to which the current date belongs and the average value of the merchant clearing amounts.
In an alternative of the present embodiment, it may be combined with one or more of the alternatives of the present embodiment. Before determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to the pre-allocated current pre-allocated configuration table, the method further comprises the following steps: and performing periodic maintenance through a page, and synchronously registering the fund pre-transfer parameters of at least two batches on the current date into a pre-transfer configuration table on the current date.
By adopting the technical scheme, the page is used for periodic maintenance, and the fund preallocation parameters of at least two batches of the current date are synchronously registered in the preallocation configuration table of the current date, so that the real-time performance of the bank fund preallocation system is ensured, and the effect of configuring the fund preallocation parameters in the preallocation configuration table according to a specific scene is realized.
In an alternative of the present embodiment, it may be combined with one or more of the alternatives of the present embodiment. Before determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to the pre-allocated current pre-allocated configuration table, the method further comprises the following steps: checking whether the database synchronously records fund pre-allocation parameters of at least two batches in a daily pre-allocation configuration table; checking whether the sum of the pre-allocated quota of all batches in the daily pre-allocated configuration table is equal to the total quota of the internal account.
By adopting the technical scheme, whether the sum of the pre-allocation amounts of all batches in the pre-allocation configuration table every day is equal to the total amount of the internal account is checked by checking whether the configured pre-allocation configuration table synchronously records the pre-allocation parameters of at least two batches, so that the technical effects of improving the pre-allocation efficiency of the fund and reducing the loss risk of the bank are achieved.
And S120, executing the fund pre-transfer operation of the current batch at the current date according to the merchant pre-transfer amount.
The method comprises the steps of automatically triggering the current fund pre-allocation operation of mass merchants in a current pre-allocated batch through a preset fund pre-allocation timing execution script, wherein the timing execution script can be a crontab script under a Linux system kernel.
S130, carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
The bank pre-allocation system performs the fund summarizing and rolling difference clearing of the current pre-allocation batch according to the merchant pre-allocation amount of a large-amount merchant in the current pre-allocation batch and the amount to be cleared by the merchant, and continues the fund summarizing and rolling difference clearing of the next batch after the clearing of the current batch is completed.
According to the technical scheme of the embodiment, whether parameters in the fund preallocation configuration table are normal is checked through the preallocation configuration table, the corresponding preallocation amount of a merchant in a current preallocation batch is determined through the preallocation configuration table at least comprising two preallocation batch preallocation parameters in a single day, the fund preallocation operation of at least two batches in the current date is executed according to the preallocation amount of the merchant, and finally, the fund summary rolling difference clearing is executed according to the preallocation amount of the merchant and the amount of the merchant to be cleared, so that the technical effects of improving the fund preallocation efficiency, reducing the bank fund preallocation risk and realizing single-day multiple-batch fund preallocation and configurable fund preallocation parameters are achieved.
Example two
Fig. 2 is a flowchart of another fund pre-allocation processing method provided in embodiment two of the present application. Embodiments of the present invention are further optimized on the basis of the above-mentioned embodiments, and the embodiments of the present invention may be combined with various alternatives in one or more of the above-mentioned embodiments. As shown in fig. 2, the fund pre-allocation processing method provided in the embodiment of the present invention may include the following steps:
s210, determining the merchant pre-allocated amount of the large-amount merchant in the current pre-allocated batch according to the pre-allocated fixed amount included in the fund pre-allocated parameter in the current pre-allocated batch and the accumulated value of a random integer in the random number range.
The bank fund preallocation business system determines the merchant preallocation amount of a large-amount merchant in the current preallocation batch according to the preallocation fixed amount included in the fund preallocation parameter of the large-amount merchant in the current preallocation batch and the accumulated value of a random integer in the random number range.
And S220, if the accumulated value of the pre-allocated fixed amount and the random number range is larger than the pre-allocated amount included in the fund pre-allocation parameter in the current pre-allocated batch, taking the pre-allocated amount included in the fund pre-allocation parameter in the current pre-allocated batch as the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch.
When the accumulated value of the pre-allocated fixed amount and the random number range is larger than the pre-allocated amount included in the fund pre-allocation parameters of the current pre-allocated batch, the bank can not pre-allocate the pre-allocated fund higher than the pre-allocated amount of the merchant, and the amount of the pre-allocated amount is used as the pre-allocated amount of the merchant of the large-amount merchant. Illustratively, if the pre-allocated fixed amount of a certain batch of a certain day of a large-amount merchant is 23 hundred million, the pre-allocated amount is 25 hundred million, an integer of 3 hundred million is taken within a random number range, the random integer plus the pre-allocated fixed amount is 26 hundred million, which is greater than 25 hundred million of the pre-allocated amount of the merchant, then 25 hundred million of the pre-allocated amount of the merchant is taken as the pre-allocated amount of the merchant.
And S230, if the accumulated value of the pre-transfer fixed amount and the random number range is smaller than the pre-transfer amount included in the fund pre-transfer parameter in the current pre-transfer batch, taking the accumulated value of the pre-transfer fixed amount and the random number range as the pre-transfer amount of the merchant of the large-amount merchant in the current pre-transfer batch.
When the accumulated value of the pre-allocated fixed amount and the random number range is smaller than the pre-allocated amount included in the fund pre-allocation parameters of the current pre-allocated batch, the pre-allocation system of the bank takes the accumulated result as the pre-allocated amount of the merchant, and exemplarily, if the pre-allocated fixed amount of a certain batch of a large merchant in one day is 27 billion, the pre-allocated amount is 30 billion, an integer of 1 billion is taken in the random number range, the random integer plus the pre-allocated fixed amount is 28 billion, and the pre-allocated fixed amount of the merchant is smaller than 30 billion, the pre-allocated amount of the merchant is the random integer plus the pre-allocated fixed amount of the merchant is 28 billion.
By adopting the technical scheme, whether the sum of the random integer and the pre-allocated fixed amount is greater than the pre-allocated amount of the merchant is judged in the random range to obtain the pre-allocated amount of the merchant, so that sufficient pre-allocated funds can be provided for the merchant client on the premise of reducing the risk of pre-allocating the bank funds as much as possible.
And S240, executing the fund pre-transfer operation of the current batch at the current date according to the merchant pre-transfer amount.
And S250, carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
According to the technical scheme of the embodiment, the pre-allocated amount of the large-amount merchant is determined according to the pre-allocated fixed amount of the merchant and the accumulated value of a random integer in the random number range, and the maximum pre-allocated amount of the large-amount merchant is ensured to be the pre-allocated amount of the large-amount merchant, so that the technical effect of providing sufficient pre-allocated funds for the merchant client on the premise of reducing the risk of pre-allocating bank funds as much as possible is achieved.
EXAMPLE III
Fig. 3 is a flowchart of another fund pre-allocation processing method provided in the third embodiment of the present application. Embodiments of the present invention are further optimized on the basis of the above-mentioned embodiments, and the embodiments of the present invention may be combined with various alternatives in one or more of the above-mentioned embodiments. As shown in fig. 3, the fund pre-allocation processing method provided in the embodiment of the present invention may include the following steps:
s310, determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-transfer configuration table is used for indicating the fund pre-transfer parameters of at least two batches at the current date.
And S320, automatically triggering the current fund pre-allocation operation of the large-amount commercial tenants in the current pre-allocated batch through the preset fund pre-allocation timing execution script.
The bank pre-allocation system automatically triggers the current fund pre-allocation operation of large-amount commercial tenants in batches in the current pre-allocated batch after the timed execution script starts executing, so that the timed multi-batch fund pre-allocation is realized, the multi-batch fund pre-allocation can be divided into three batches in one day and can be divided into morning batches, and the timed execution script performs the timed pre-allocation of 6:30 minutes, noon batches, 11:30 minutes, afternoon batches and 16:30 minutes.
By adopting the technical scheme, the fund preallocation timed execution script is preset in the system, and the current fund preallocation operation in the current preallocation batch is automatically triggered and executed in batches after the specified time is reached, so that the automatic preallocation of the system is realized, the fund can be accurately and timely checked, and the bank fund preallocation efficiency is improved.
S330, based on the current fund preallocation operation triggered in the current preallocation batch, carrying out the fund summarizing, rolling and clearing of the current preallocation batch according to the merchant preallocation amount of the large-amount merchant in the current preallocation batch and the amount which the merchant should clear.
The bank pre-allocation system executes the fund summary rolling difference clearing of the current pre-allocated batch according to the merchant pre-allocated amount of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear based on the current fund pre-allocation operation triggered in the current pre-allocated batch.
In an alternative of the present embodiment, it may be combined with one or more of the alternatives of the present embodiment. The method comprises the following steps of performing the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear, and further comprises the following steps: if the merchant pre-allocated amount is larger than the amount to be cleared by the merchant, rolling and accumulating the difference between the merchant pre-allocated amount and the amount to be cleared by the merchant in the current pre-allocated batch into the merchant pre-allocated amount in the next pre-allocated batch or adding the merchant pre-allocated amount in the first pre-allocated batch on the next date, and performing batch fund summary rolling difference clearing on the next pre-allocated batch or the first pre-allocated batch on the next date, as shown in fig. 4, rolling the summary rolling difference of the earlier batches into the pre-allocated amount of the noon batch to be cleared, and rolling the summary rolling difference of the afternoon batch, that is, rolling the summary rolling difference of the last pre-allocated batch on the current day into the pre-allocated amount of the earlier batches on the next day to be cleared.
In an alternative of the present embodiment, it may be combined with one or more of the alternatives of the present embodiment. The method comprises the following steps of performing the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear, and further comprises the following steps: and if the pre-allocated amount of the merchant is less than the amount which should be cleared by the merchant, performing automatic allocation on the surplus amount which should be cleared by the current pre-allocated batch after performing the fund summarizing and rolling difference on the current pre-allocated batch. As shown in fig. 5, after a period of time, each time a batch of money is pre-transferred, automatic transfer is performed on the amount of money to be cleared in batch, and for example, the amount of money to be cleared is 6:30 in the morning, the amount of money to be cleared is automatically transferred on 9 o ' clock in batch, the amount of money to be cleared is automatically transferred on 14 o ' clock in batch, the amount of money to be cleared is 16:30 in batch, and the amount of money to be cleared is automatically transferred on 19 o ' clock in batch.
The technical scheme of this embodiment is that, in cooperation with a timing execution script set in the system, funds are automatically transferred in batches, when the pre-transfer amount of the merchant of a large merchant is larger than the amount to be transferred by the merchant, the difference between the pre-transfer amount of the merchant of the large merchant and the amount to be transferred by the merchant is added to the pre-transfer amount of the merchant of the next pre-transfer batch or the pre-transfer amount of the merchant of the first pre-transfer batch on the next date in a rolling manner, so as to perform batch funds collection rolling difference transfer in the next pre-transfer batch or the first pre-transfer batch on the next date, and if the pre-transfer amount of the merchant is smaller than the amount to be transferred by the merchant, after the current pre-transfer batch performs the funds collection rolling difference, the surplus amount to be transferred in the current pre-transfer batch is automatically transferred, thereby achieving the automatic transfer of the system, completing the funds pre-transfer and collection rolling difference transfer, and the fund clearing efficiency is improved.
Example four
Fig. 6 is a schematic structural diagram of a money pre-allocation processing apparatus according to a fourth embodiment of the present invention. The device is suitable for the condition that a bank carries out multi-batch fund pre-allocation on a customer with large fund flow, can be realized by software and/or hardware, and is integrated in electronic equipment. The device is used for realizing the fund pre-transfer processing method provided by the embodiment. As shown in fig. 6, the money preallocation processing apparatus provided in the present embodiment includes:
the amount determining module 410 is configured to determine a merchant pre-allocated amount of a large-amount merchant in a current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
a pre-allocation execution module 420, configured to execute a pre-allocation operation of funds of a current batch at a current date according to the pre-allocated amount of the merchant;
and a clearing executing module 430, configured to execute the fund summary rolling difference clearing of the current pre-allocated batch according to the merchant pre-allocated amount of the large-amount merchant in the current pre-allocated batch and the amount that the merchant should clear.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is configured to:
the fund pre-transfer parameters comprise: pre-allocated amount, pre-allocated fixed amount and random number range.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
the pre-allocated amount is obtained by the ratio of the total amount pre-allocated in a single day in the current quarter to the total amount of money clearing of each batch of merchants with large previous quarter, and the amount control of a single batch is provided.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
the pre-transfer fixed amount is determined by the average value of the merchant clearing amount of each batch of merchants every day by the large merchant in the previous month of the current month to which the current date belongs.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
the random number range is determined by a first limit value and a second limit value; the first limit value is determined by the difference between the minimum value of the merchant clearing amount in the month previous to the current month to which the current date belongs and the average value of the merchant clearing amounts, and the second limit value is determined by the difference between the maximum value of the merchant clearing amount in the month previous to the current month to which the current date belongs and the average value of the merchant clearing amounts.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table, wherein the pre-allocated amount of the commercial tenant comprises the following steps:
and determining the merchant pre-allocated amount of the large-amount merchant in the current pre-allocated batch according to the pre-allocated fixed amount included in the fund pre-allocated parameters in the current pre-allocated batch and the accumulated value of a random integer in the random number range.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant in the current pre-allocated batch according to the pre-allocated fixed amount included in the fund pre-allocated parameter in the current pre-allocated batch and the accumulated value of a random integer in the random number range, wherein the method comprises the following steps:
if the accumulated value of the pre-allocated fixed amount and the random number range is larger than the pre-allocated amount included in the pre-allocated fund parameter in the current pre-allocated batch, taking the pre-allocated amount included in the pre-allocated fund parameter in the current pre-allocated batch as the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch;
and if the accumulated value of the pre-transfer fixed amount and the random number range is smaller than the pre-transfer amount included in the fund pre-transfer parameter in the current pre-transfer batch, taking the accumulated value of the pre-transfer fixed amount and the random number range as the pre-transfer amount of the merchant of the large-amount merchant in the current pre-transfer batch.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
before determining the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch according to the pre-allocated current pre-allocated configuration table, the method further comprises the following steps:
and performing periodic maintenance through a page, and synchronously registering the fund pre-transfer parameters of at least two batches on the current date into a pre-transfer configuration table on the current date.
On the basis of the foregoing embodiment, optionally, the amount determining module 410 is further configured to:
before determining the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch according to the pre-allocated current pre-allocated configuration table, the method further comprises the following steps:
checking whether the database synchronously records fund pre-allocation parameters of at least two batches in a daily pre-allocation configuration table;
checking whether the sum of the pre-allocated quota of all batches in the daily pre-allocated configuration table is equal to the total quota of the internal account.
On the basis of the foregoing embodiment, optionally, the pre-allocation execution module 420 is configured to:
and automatically triggering the current fund pre-allocation operation of the large-amount commercial tenants in the current pre-allocated batch through a preset fund pre-allocation timing execution script.
On the basis of the foregoing embodiment, optionally, the clearing execution module 430 is configured to:
and based on the current fund pre-transfer operation triggered in the current pre-transfer batch, carrying out the fund summarizing, rolling and clearing of the current pre-transfer batch according to the merchant pre-transfer amount of the large-amount merchant in the current pre-transfer batch and the amount which the merchant should clear.
On the basis of the foregoing embodiment, optionally, the clearing execution module 430 is further configured to:
and executing the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear, and further comprising the following steps:
and if the merchant pre-transfer amount is larger than the merchant clearing amount, rolling and accumulating the difference between the merchant pre-transfer amount and the merchant clearing amount in the current pre-transfer batch into the merchant pre-transfer amount in the next pre-transfer batch or adding the difference into the merchant pre-transfer amount in the first pre-transfer batch on the next date, and carrying out batch fund summary rolling difference clearing on the next pre-transfer batch or the first pre-transfer batch on the next date.
On the basis of the foregoing embodiment, optionally, the clearing execution module 430 is further configured to:
and executing the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear, and further comprising the following steps:
and if the pre-allocated amount of the merchant is less than the amount which should be cleared by the merchant, performing automatic allocation on the surplus amount which should be cleared by the current pre-allocated batch after performing the fund summarizing and rolling difference on the current pre-allocated batch.
EXAMPLE five
Fig. 7 is a schematic structural diagram of an electronic device according to a fifth embodiment of the present application. The embodiment of the application provides electronic equipment, and the fund preallocation processing device provided by the embodiment of the application can be integrated in the electronic equipment. As shown in fig. 7, the present embodiment provides an electronic device 500, which includes: one or more processors 520; a storage device 510, configured to store one or more programs, when the one or more programs are executed by the one or more processors 520, so that the one or more processors 520 implement the fund pre-transfer processing method provided in this application, the method includes:
determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
executing the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant;
and carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
Of course, those skilled in the art will appreciate that the processor 520 may also implement the technical solutions of the fund pre-allocation processing methods provided in any of the embodiments of the present application.
The electronic device 500 shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
As shown in fig. 5, the electronic device 500 includes a processor 520, a storage 510, an input 530, and an output 540; the number of the processors 520 in the electronic device may be one or more, and one processor 520 is taken as an example in fig. 5; the processor 520, the storage 510, the input device 530, and the output device 540 in the electronic apparatus may be connected by a bus or other means, and are exemplified by a bus 550 in fig. 5.
The storage device 510 is a computer-readable storage medium, and can be used to store software programs, computer-executable programs, and module units, such as program instructions corresponding to the money allocation method in the embodiment of the present application.
The storage device 510 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the storage 510 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, storage 510 may further include memory located remotely from processor 520, which may be connected via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 530 may be used to receive input numbers, character information, or voice information, and to generate key signal inputs related to user settings and function control of the electronic apparatus. The output device 540 may include a display screen, speakers, etc. of electronic equipment.
The electronic equipment provided by the embodiment of the application can achieve the technical effects of single-day multi-batch fund pre-allocation and fund pre-allocation parameter configuration of a large-amount merchant.
EXAMPLE six
A sixth embodiment of the present invention provides a computer-readable medium having stored thereon a computer program for executing a method for fund transfers, the method comprising:
determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
executing the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant;
and carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
Optionally, the program when executed by the processor may be further operable to perform a method of money pre-transfer processing as provided in any embodiment of the invention.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read Only Memory (ROM), an Erasable Programmable Read Only Memory (EPROM), a flash Memory, an optical fiber, a portable CD-ROM, an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. A computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take a variety of forms, including, but not limited to: an electromagnetic signal, an optical signal, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, Radio Frequency (RF), etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims (16)

1. A method of money pre-transfer processing, comprising:
determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
executing the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant;
and carrying out the fund summarizing, rolling and clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
2. The method of claim 1, wherein the money pre-transfer parameters comprise: pre-allocated amount, pre-allocated fixed amount and random number range.
3. The method of claim 2, wherein the pre-allocated quota is obtained by a total quota pre-allocated for a single day in the current quarter and a clearing and summarizing proportion of funds of each batch of merchants with large previous quarters, and quota control of a single batch is provided.
4. The method of claim 2, wherein the pre-transferred fixed amount is determined by an average of merchant clearing amounts for each batch per day for a large merchant in a month immediately preceding a current month in which a current date belongs.
5. The method of claim 2, wherein the range of random numbers is determined by a first limit and a second limit; the first limit value is determined by the difference between the minimum value of the merchant clearing amount in the month previous to the current month to which the current date belongs and the average value of the merchant clearing amounts, and the second limit value is determined by the difference between the maximum value of the merchant clearing amount in the month previous to the current month to which the current date belongs and the average value of the merchant clearing amounts.
6. The method of claim 2, wherein determining the merchant pre-allocated amount of the large merchant in the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table comprises:
and determining the merchant pre-allocated amount of the large-amount merchant in the current pre-allocated batch according to the pre-allocated fixed amount included in the fund pre-allocated parameters in the current pre-allocated batch and the accumulated value of a random integer in the random number range.
7. The method of claim 6, wherein determining the merchant pre-allocation amount of the large-amount merchant in the current pre-allocation batch according to the pre-allocation fixed amount included in the pre-allocation parameters of the current pre-allocation batch and an accumulated value of a random integer in a random number range comprises:
if the accumulated value of the pre-allocated fixed amount and the random number range is larger than the pre-allocated amount included in the pre-allocated fund parameter in the current pre-allocated batch, taking the pre-allocated amount included in the pre-allocated fund parameter in the current pre-allocated batch as the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch;
and if the accumulated value of the pre-transfer fixed amount and the random number range is smaller than the pre-transfer amount included in the fund pre-transfer parameter in the current pre-transfer batch, taking the accumulated value of the pre-transfer fixed amount and the random number range as the pre-transfer amount of the merchant of the large-amount merchant in the current pre-transfer batch.
8. The method of claim 1, further comprising, before determining the merchant pre-allocated amount of the large merchant in the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table:
and performing periodic maintenance through a page, and synchronously registering the fund pre-transfer parameters of at least two batches on the current date into a pre-transfer configuration table on the current date.
9. The method of claim 2, further comprising, before determining the merchant pre-allocated amount of the large merchant in the current pre-allocated batch according to the pre-allocated current pre-allocated configuration table:
checking whether the database synchronously records fund pre-allocation parameters of at least two batches in a daily pre-allocation configuration table;
checking whether the sum of the pre-allocated quota of all batches in the daily pre-allocated configuration table is equal to the total quota of the internal account.
10. The method of claim 2, wherein performing a pre-transfer operation of funds for the current batch on the current date in accordance with the merchant pre-transfer amount comprises:
and automatically triggering the current fund pre-allocation operation of the large-amount commercial tenants in the current pre-allocated batch through a preset fund pre-allocation timing execution script.
11. The method of claim 2, wherein performing the aggregated netting clearing of the current pre-allocated batch of funds based on the merchant pre-allocated amount and the merchant due clearing amount of the large merchant in the current pre-allocated batch comprises:
and based on the current fund pre-transfer operation triggered in the current pre-transfer batch, carrying out the fund summarizing, rolling and clearing of the current pre-transfer batch according to the merchant pre-transfer amount of the large-amount merchant in the current pre-transfer batch and the amount which the merchant should clear.
12. The method of claim 1 or 11, wherein the step of performing the aggregate rolling differential clearing of the funds of the current pre-allocated batch based on the pre-allocated amount of the merchant of the large merchant and the amount that the merchant should clear under the current pre-allocated batch further comprises:
and if the merchant pre-transfer amount is larger than the merchant clearing amount, rolling and accumulating the difference between the merchant pre-transfer amount and the merchant clearing amount in the current pre-transfer batch into the merchant pre-transfer amount in the next pre-transfer batch or adding the difference into the merchant pre-transfer amount in the first pre-transfer batch on the next date, and carrying out batch fund summary rolling difference clearing on the next pre-transfer batch or the first pre-transfer batch on the next date.
13. The method of claim 1 or 11, wherein the step of performing the aggregate rolling differential clearing of the funds of the current pre-allocated batch based on the pre-allocated amount of the merchant of the large merchant and the amount that the merchant should clear under the current pre-allocated batch further comprises:
and if the pre-allocated amount of the merchant is less than the amount which should be cleared by the merchant, performing automatic allocation on the surplus amount which should be cleared by the current pre-allocated batch after performing the fund summarizing and rolling difference on the current pre-allocated batch.
14. A money pre-transfer processing apparatus, comprising:
the amount determining module is used for determining the pre-allocated amount of the commercial tenant of the large-amount commercial tenant under the current pre-allocated batch according to a pre-allocated current pre-allocated configuration table; wherein the current pre-allocation configuration table is used for indicating the fund pre-allocation parameters of at least two batches at the current date;
the pre-transfer execution module executes the fund pre-transfer operation of the current batch at the current date according to the pre-transfer amount of the merchant;
and the clearing execution module is used for executing the fund summarizing and rolling clearing of the current pre-allocated batch according to the pre-allocated amount of the merchant of the large-amount merchant in the current pre-allocated batch and the amount which the merchant should clear.
15. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the method of money pre-transfer processing of any of claims 1-13.
16. A computer-readable storage medium, on which a computer program is stored, which program, when executed by a processor, carries out the money preallocation processing method of any one of claims 1 to 13.
CN202011474764.6A 2020-12-14 2020-12-14 Fund preallocation processing method, device, electronic equipment and medium Pending CN112634010A (en)

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