CN112634011A - Multi-account linkage deposit method and device, electronic equipment and storage medium - Google Patents
Multi-account linkage deposit method and device, electronic equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a multi-account linked deposit method, a device, electronic equipment and a storage medium, wherein the method comprises the following steps: binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account; when the total balance in the first account is determined to exceed a first preset limit, transferring the amount exceeding the first preset limit in the first account into a second account; the method further includes obtaining a payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer the payout balance to the first account. The first account and the second account with different interest rates are bound through the user signing instruction, so that the user can obtain the live use experience and can enjoy regular income, and the deposit requirement of the user is met.
Description
Technical Field
The embodiment of the invention relates to the technical field of information processing, in particular to a multi-account linkage deposit method and device, electronic equipment and a storage medium.
Background
Deposit products are widely available and marketable products in banks, and the current deposit products generally comprise current account products and regular account products. Aiming at the current account, as long as the balance in the current account is not exceeded, the client can deposit, withdraw money and transfer accounts to the current account at any time, and can also associate the current account with personal loan, financial products, mobile banking or ETC and other businesses; regular accounts generally have the characteristic of high interest rate, so that customers can choose to store a large amount of money in the regular accounts to obtain high income.
But the current account is flexible to use but generally has a lower interest rate, so even if a large amount of money exists in the current account, the current account cannot bring high income to customers generally; although the client can obtain high income, the client can obtain the regular interest rate only when the term of the regular deposit is held, and the client is inconvenient because only the current interest rate can be obtained if the client draws in advance, so that the actual demand of the client cannot be met by the existing deposit mode.
Disclosure of Invention
The embodiment of the invention provides a multi-account linked deposit method, a multi-account linked deposit device, multi-account linked deposit equipment and a multi-account linked deposit storage medium, so that joint deposit of a regular account and a current account is realized, and the maximum benefit can be obtained while the convenience in use of a user is ensured.
In a first aspect, an embodiment of the present invention discloses a multi-account linked deposit method, including:
binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account;
when the total balance in the first account is determined to exceed a first preset limit, transferring the amount exceeding the first preset limit in the first account into a second account;
the method further includes obtaining a payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer the payout balance to the first account.
In a second aspect, an embodiment of the present invention provides a multi-account linked deposit apparatus, including:
the account binding module is used for binding a first account and a second account of the user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account;
the first account transfer module is used for transferring the amount of money exceeding the first preset amount in the first account to the second account when the total balance in the first account is determined to exceed the first preset amount;
and the second transfer module is used for obtaining the expenditure difference when the fact that the expenditure instruction containing the expenditure amount is received and the first account is not enough to pay the expenditure amount is determined, so as to instruct the second account to transfer the expenditure difference to the first account.
In a third aspect, an embodiment of the present invention further provides an electronic device, where the electronic device includes:
one or more processors;
storage means for storing one or more programs;
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the methods of any of the embodiments of the present invention.
In a fourth aspect, the embodiments of the present invention also provide a computer-readable storage medium, on which a computer program is stored, which when executed by a processor implements the method of any of the embodiments of the present invention.
In the embodiment of the invention, the first account and the second account with different interest rates are bound through the user signing instruction, so that the user can obtain the use experience at the current time and can enjoy regular income, thereby meeting the deposit demand of the user.
Drawings
FIG. 1 is a flow chart of a multi-account linked deposit method according to an embodiment of the present invention;
FIG. 2 is a flow chart of a multi-account linked deposit method according to a second embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a multi-account linked deposit apparatus according to a third embodiment of the present invention;
fig. 4 is a block diagram of an electronic device according to a fourth embodiment of the present invention.
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.
Example one
Fig. 1 is a flowchart of a multi-account linked deposit method according to an embodiment of the present invention, which is applicable to a combined deposit of a current account and a fixed account. The method can be executed by the multi-account linked deposit device in the embodiment of the invention, the device can be realized in a software and/or hardware mode, and the method in the embodiment of the invention specifically comprises the following steps:
step S101, binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account.
Optionally, the binding the first account and the second account of the user according to the subscription instruction of the user may include: determining whether the current balance of the first account meets the signing requirement or not according to a signing instruction of a user, wherein the signing requirement comprises the sum of the current balance of the first account not less than a first preset limit and the opening and deposit amount of the second account; and when the current balance of the first account is determined to meet the contract-signing requirement, the first account and the second account are bound.
Optionally, the subscription instruction includes: a subscription organization, a subscription client type, an offer date, and a subscription number.
Specifically, the first account and the second account of the user can be bound after the user signs a contract through the signing instruction, in this embodiment, the first account may be a current account opened by the user, the second account may be a regular account opened by the same user in the same bank, and the interest rate of the first account is smaller than that of the second account. The mutual transfer-in and transfer-out of the amount between the first account and the second account can be realized by binding the first account and the second account. When the user signs a contract, the subscription instruction includes basic information of the contract, for example, the subscription mechanism indicates a specific bank of an account of the user, different banks of the account correspond to different parameters, for example, a first preset limit corresponding to a bank a is configured to be 1000, and a first preset limit corresponding to a bank B is configured to be 3000, where the first preset limit specifically refers to a minimum reserved amount in the first account; in addition, the contract signing instruction can also comprise a release date, when the release date is reached, the first account and the second account are automatically unbound, and the mutual transfer of the money amount between the first account and the second account is not allowed after the unbinding.
When the first account and the second account are bound according to the signing instruction, the embodiment first determines whether the current amount of the first account meets the signing requirement, for example, the first preset amount of the first account, that is, the reserved amount, is 1000, the opening starting and saving amount of the second account is 50000, the signing requirement includes that the current balance of the first account, that is, the current balance of the current account is not less than the sum of the first preset amount and the opening starting and saving amount of the second account, that is, 51000, and only when the current balance of the first account, that is, the current account is not less than 51000, the first account and the second account are bound according to the signing instruction successfully, that is, the first account and the second account are bound.
And step S102, when the total balance in the first account is determined to exceed a first preset limit, transferring the amount exceeding the first preset limit in the first account into a second account.
Optionally, when it is determined that the total balance in the first account exceeds the first preset limit, transferring the amount of money exceeding the first preset limit in the first account to the second account, including: when the total balance in the first account is determined to exceed a first preset limit and the amount exceeding the first preset limit in the first account is determined to be larger than a second preset limit, transferring the amount exceeding the first preset limit in the first account into a second account; wherein the second predetermined value limit is smaller than the first predetermined value limit.
For example, the first preset amount in this embodiment may be 1000, that is, at least 1000 should be reserved in the current account, and when the total balance in the first account exceeds the first preset amount, the amount exceeding the first preset amount in the first account is transferred to the second account. For example, when the first account and the second account have not transferred money just after successful contract-making, 50000 will be transferred to the second account, i.e. the recurring account, first, since the current balance in the first account is 51000. And then monitoring income information in the first account in real time, and when determining that the total balance in the first account exceeds a first preset limit 1000 at a certain moment, further determining whether the amount of money exceeding the first preset limit in the first account is larger than a second preset limit, wherein the second preset limit is smaller than the first preset limit, and the second preset limit is the minimum renewal amount of the second account, for example 100, only when the part exceeding the first preset limit in the first account is larger than 100, the exceeding part in the first account is transferred into the second account, otherwise, even if the total balance in the first account exceeds the first preset limit, the exceeding part is continued to be kept in the second account due to the fact that the total balance is smaller than the second preset limit. In this embodiment, since the interest rate of the second account is greater than that of the first account, when it is determined that the total balance in the first account exceeds the first preset amount, the user can be ensured to obtain the maximum profit by transferring the excess amount to the second account. In addition, by setting a transfer threshold, when the excess part exceeds the second preset limit, the excess part in the first account is transferred to the second account, so that the problem that the calculation pressure of the processor is overlarge due to the fact that the first account is frequently transferred to the second account for a small amount of money is avoided.
In a specific implementation, the first preset amount is 1000, the second preset threshold is 100, and when the total balance of the first account is 1150, 150 in the first account is transferred into the second account because the amount exceeding the first preset amount in the first account is 150 greater than 100; and when the total balance of the second account is 1050, the amount of money exceeding the first preset amount in the first account is 50 to be less than 100, so that 50 in the first account is still kept in the first account and is not transferred out.
Optionally, the method further comprises: when the total balance in the first account is determined to be smaller than a first preset limit, calculating a difference value between the first preset limit and the total balance in the first account; and transferring the sum of the second account into the first account according to the sum difference value so as to ensure that the total balance in the first account is not less than the first preset sum after the sum of the sum is transferred.
The method comprises the steps that a first preset amount and a minimum reserved amount are set for a first account, so that when the total balance of the first account is smaller than the first preset amount due to expenditure, the amount difference value between the first preset amount and the total balance in the first account is calculated, and the amount of a second account is transferred into the first account according to the amount difference value. For example, if the first predetermined amount is 1000, that is, at least 1000 is required to be reserved in the first account, and the total balance in the first account is 800 due to the expense of the user, it is determined by calculation that the amount difference between the first predetermined amount and the total balance in the first account is 200, and the second account is notified to transfer 200 into the first account, so as to determine that the total balance in the first account after the amount transfer is not less than 1000.
And step S103, obtaining a expenditure balance when the fact that the expenditure instruction containing the expenditure amount is received and the first account is not enough to pay the expenditure amount is determined, and indicating the second account to transfer the expenditure balance to the first account.
Optionally, obtaining the payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer the payout balance to the first account, comprising: obtaining a payout balance upon determining that a payout instruction including a payout amount was received and that the first account is insufficient to pay the payout amount; and generating a sum complement request instruction according to the expenditure difference, and sending the sum complement request instruction to the second account so that the second account transfers the expenditure difference to the first account according to the sum complement request instruction.
Optionally, after generating a money replenishment request instruction according to the expenditure difference and sending the money replenishment request instruction to the second account, the method further includes: when determining that the payment of the amount of the first account fails within the preset time, sending an amount complementing request instruction to the second account again; when the sending times of the sum complement request instruction are determined to exceed the preset times and the payment of the sum of the first account is continuously failed, generating prompt information of insufficient balance of the second account; and sending the prompt information to the portable mobile terminal of the user.
Specifically, since the first account in the present embodiment corresponds to a current account and has the characteristics of flexible access and low interest rate, the user mainly pays the amount from the first account in daily consumption, and when the balance paid out from the first account is insufficient, the difference portion is automatically paid out from the second account and is replenished.
In a specific implementation, when it is determined that a payment instruction including a payment amount is received, the payment instruction may be generated by active consumption of a user, or may be generated by activation of a withholding service such as automatic payment by a credit card, automatic payment by a water fee, and the like. Because the expenditure instruction includes the expenditure amount, the expenditure difference is obtained when the first account is not enough to pay the expenditure amount, for example, the expenditure amount corresponding to the secondary consumption of the user is 2500, and the balance in the first account is only 1000, so that the expenditure difference can be determined to be 1500, at this time, the terminal device generates an amount replenishment request instruction according to the expenditure difference, and sends the amount replenishment request instruction to the second account, so that the second account transfers to the first account 1500 according to the amount replenishment request instruction, and the payment process is completed through the first account according to the expenditure instruction.
It should be noted that, in the above description, in the case that the balance of the second account is greater than the expenditure difference, that is, in the case that the expenditure balance of the first account is insufficient, the second account can make up the expenditure difference, thereby completing the payment process. However, there may be a case where the balance in the second account is less than the expenditure balance, for example, when the expenditure amount corresponding to the user consuming the current time is 2500, and the balance in the first account is only 1000, the expenditure difference may be determined to be 1500, and at this time, although the terminal device may generate the amount complement instruction according to the expenditure difference, since the balance in the second account is only 500, which is less than the expenditure difference, the first account may cause payment failure due to insufficient amount. When the payment of the first account amount is determined to fail within the preset time, in order to avoid the instruction transmission failure caused by the network failure, the amount-complementing request instruction is sent to the second account again, the sending frequency of the amount-complementing request instruction is determined to exceed the preset frequency, for example, the preset frequency is set to three times, the payment of the first account amount still fails after the sending of the amount-complementing request instruction is carried out three times, and then the balance in the second account is determined to be insufficient, and at this time, prompt information about the balance shortage of the second account is generated. And the generated prompt information is sent to the portable mobile terminal of the user, and the user is informed of the current user shortage condition. The user can deposit money or stop spending according to the prompt message. In addition, in this embodiment, a case that the balance of the second account is zero is supported, that is, when the balance of the second account is zero, the second account is not subject to a transaction processing.
Optionally, the method further comprises: and when the amount in the second account is transferred, determining whether the storage period of the transferred amount exceeds the preset time, if so, determining the profit of the transferred amount in the second account according to the first interest rate, otherwise, determining the profit of the transferred amount in the second account according to the second interest rate, wherein the first interest rate is greater than the second interest rate.
Specifically, when the balance in the first account is insufficient to be paid out and the amount needs to be transferred out from the second account, the recently deposited amount is preferentially transferred out. When the amount is transferred, determining whether the deposit period of the transferred amount exceeds a preset time, for example, the preset time may be seven days, and if the deposit period exceeds the preset time, determining the profit of the transferred amount in the second account according to the first interest rate; and if the period of existence does not exceed the preset time, determining the benefit of the transfer amount in the second account according to the second interest rate, wherein the first interest rate is greater than the second interest rate, for example, the first interest rate is 1.7%, and the second interest rate is 0.8%, although the embodiment is only for illustration, and the specific values of the first interest rate and the second interest rate are not limited.
Optionally, the method further comprises: when the total balance in the second account is determined to exceed a third preset limit, transferring the amount exceeding the third preset limit in the second account into the first account; wherein the third predetermined limit is greater than the first predetermined limit.
In this embodiment, in order to ensure the balance between the customer and the bank, a maximum amount may be set for the total balance of the second account, that is, the total balance in the second account does not exceed a third preset amount, for example, the third preset amount may be set to 5000000, and when it is determined that the total balance in the second account exceeds the third preset amount, the amount exceeding the third preset amount in the second account may be transferred to the first account.
Optionally, the method further comprises: counting and summarizing the balance of the second account of the signed user to obtain a summarized amount; and judging whether the summary amount exceeds a fourth preset amount, if so, not receiving the signing instruction of the new user, and otherwise, continuously receiving the signing instruction of the new user.
It should be noted that, in this embodiment, the second account balance of the history signed user is periodically counted and summarized to obtain the summarized amount, where the periodic interval may be one day, for example, counting at nine nights every day, when it is determined that the summarized amount of the history signed user exceeds a fourth preset amount, for example, the fourth preset amount is 50 hundred million, the signing instruction of the new user is no longer received, and when it is determined that the summarized amount of the history signed user does not exceed the fourth preset amount, the signing instruction of the new user may be continuously received. Thereby further ensuring the balance of the client and the bank income
In the embodiment of the invention, the first account and the second account with different interest rates are bound through the user signing instruction, so that the user can obtain the use experience at the current time and can enjoy regular income, thereby meeting the deposit demand of the user.
Example two
Fig. 2 is a flowchart of a multi-account linked deposit method according to a second embodiment of the present invention, where the second embodiment is based on the foregoing embodiment, and after the first account and the second account of the user are bound according to a subscription instruction of the user, the method further includes: and receiving a reduction instruction of the user, and unbinding the first account and the second account of the user according to the reduction instruction.
As shown in fig. 2, the method of the embodiment of the present disclosure specifically includes:
step S201, binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account.
Optionally, the binding the first account and the second account of the user according to the subscription instruction of the user may include: determining whether the current balance of the first account meets the signing requirement or not according to a signing instruction of a user, wherein the signing requirement comprises the sum of the current balance of the first account not less than a first preset limit and the opening and deposit amount of the second account; and when the current balance of the first account is determined to meet the contract-signing requirement, the first account and the second account are bound.
Optionally, the subscription instruction includes: a subscription organization, a subscription client type, an offer date, and a subscription number.
Step S202, when the total balance in the first account is determined to exceed the first preset limit, transferring the amount exceeding the first preset limit in the first account into the second account.
Optionally, when it is determined that the total balance in the first account exceeds the first preset limit, transferring the amount of money exceeding the first preset limit in the first account to the second account, including: when the total balance in the first account is determined to exceed a first preset limit and the amount exceeding the first preset limit in the first account is determined to be larger than a second preset limit, transferring the amount exceeding the first preset limit in the first account into a second account; wherein the second predetermined value limit is smaller than the first predetermined value limit.
Optionally, the method further comprises: when the total balance in the first account is determined to be smaller than a first preset limit, calculating a difference value between the first preset limit and the total balance in the first account; and transferring the sum of the second account into the first account according to the sum difference value so as to ensure that the total balance in the first account is not less than the first preset sum after the sum of the sum is transferred.
In step S203, when it is determined that the expenditure instruction including the expenditure amount is received and the first account is not enough to pay the expenditure amount, the expenditure balance is obtained to instruct the second account to transfer the expenditure balance to the first account.
Optionally, obtaining the payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer the payout balance to the first account, comprising: obtaining a payout balance upon determining that a payout instruction including a payout amount was received and that the first account is insufficient to pay the payout amount; and generating a sum complement request instruction according to the expenditure difference, and sending the sum complement request instruction to the second account so that the second account transfers the expenditure difference to the first account according to the sum complement request instruction.
Optionally, after generating a money replenishment request instruction according to the expenditure difference and sending the money replenishment request instruction to the second account, the method further includes: when determining that the payment of the amount of the first account fails within the preset time, sending an amount complementing request instruction to the second account again; when the sending times of the sum complement request instruction are determined to exceed the preset times and the payment of the sum of the first account is continuously failed, generating prompt information of insufficient balance of the second account; and sending the prompt information to the portable mobile terminal of the user.
And step S204, receiving a reduction instruction of the user, and unbinding the first account and the second account of the user according to the reduction instruction.
However, the specific position of step S204 is not limited in this embodiment, and it is within the scope of the present application as long as it is after step S201.
Specifically, in this embodiment, after the first account and the second account are bound according to the subscription instruction of the user, the first account and the second account may be unbound through unbinding. The unbinding mode in this embodiment includes two types: one is to automatically unbind the first account and the second account when the release date is reached, in accordance with the release date contained in the sign-up instruction. Since the restriction on the user's restriction on the unbinding is limited to this, the second method is also supported in this embodiment: the method comprises the steps of receiving an appointment instruction of a user, unbinding a first account and a second account of the user according to the appointment instruction, namely, the user can also initiatively initiate an appointment request after signing, identifying identity information of the user during appointment making, and after the identification is confirmed to pass, carrying out appointment making at any time to complete unbinding of the first account and the second account, so that actual requirements of the user are met.
In the embodiment of the invention, the first account and the second account with different interest rates are bound through the user signing instruction, so that the user can obtain the use experience at the current time and can enjoy regular income, thereby meeting the deposit demand of the user. And the user can also carry out the reservation at any time according to the reservation instruction of the user to complete the unbinding of the first account and the second account, thereby further meeting the deposit requirement of the user.
EXAMPLE III
Fig. 3 is a multi-account linked deposit apparatus provided in an embodiment of the present invention, which specifically includes: an account binding module 310, a first transfer module 320, and a second transfer module 330.
The account binding module 310 is configured to bind a first account and a second account of a user according to a subscription instruction of the user, where an interest rate of the first account is smaller than an interest rate of the second account;
the first transferring module 320 is used for transferring the amount of money exceeding the first preset amount in the first account to the second account when the total balance in the first account is determined to exceed the first preset amount;
the second transfer module 330 is configured to obtain a payout difference upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount, to instruct the second account to transfer the payout difference to the first account.
Optionally, the account binding module is configured to: determining whether the current balance of the first account meets the signing requirement or not according to a signing instruction of a user, wherein the signing requirement comprises the sum of the current balance of the first account not less than a first preset limit and the opening and deposit amount of the second account;
and when the current balance of the first account is determined to meet the contract-signing requirement, the first account and the second account are bound.
Optionally, the first transfer module is configured to: when the total balance in the first account is determined to exceed a first preset limit and the amount exceeding the first preset limit in the first account is determined to be larger than a second preset limit, transferring the amount exceeding the first preset limit in the first account into a second account;
wherein the second predetermined value limit is smaller than the first predetermined value limit.
Optionally, the apparatus further comprises a third apparatus module for: when the total balance in the first account is determined to be smaller than a first preset limit, calculating a difference value between the first preset limit and the total balance in the first account;
and transferring the sum of the second account into the first account according to the sum difference value so as to ensure that the total balance in the first account is not less than the first preset sum after the sum of the sum is transferred.
Optionally, the second transfer module includes:
a payout difference obtaining sub-module for obtaining a payout difference upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount;
and the amount complement request instruction sending submodule is used for generating an amount complement request instruction according to the expenditure difference and sending the amount complement request instruction to the second account so that the second account transfers the expenditure difference to the first account according to the amount complement request instruction.
Optionally, the apparatus further includes a prompt information sending module configured to: when determining that the payment of the amount of the first account fails within the preset time, sending an amount complementing request instruction to the second account again;
when the sending times of the sum complement request instruction are determined to exceed the preset times and the payment of the sum of the first account is continuously failed, generating prompt information of insufficient balance of the second account;
and sending the prompt information to the portable mobile terminal of the user.
Optionally, the apparatus further comprises a second account reservation module for: and reserving the second account.
Optionally, the apparatus further comprises a fourth transfer module for: when the total balance in the second account is determined to exceed a third preset limit, transferring the amount exceeding the third preset limit in the second account into the first account;
wherein the third predetermined limit is greater than the first predetermined limit.
Optionally, the apparatus further comprises a revenue determination module for: when the amount in the second account is transferred out, determining whether the deposit period of the transferred amount exceeds the preset time, if so, determining the income of the transferred amount in the second account according to the first interest rate,
otherwise, the benefit of the transfer amount in the second account is determined according to a second interest rate, wherein the first interest rate is larger than the second interest rate.
Optionally, the apparatus further includes a subscription instruction receiving indication module configured to: counting and summarizing the balance of the second account of the signed user to obtain a summarized amount;
and judging whether the summary amount exceeds a fourth preset amount, if so, not receiving the signing instruction of the new user, and otherwise, continuously receiving the signing instruction of the new user.
Optionally, the subscription instruction includes: a subscription organization, a subscription client type, an offer date, and a subscription number.
Optionally, the apparatus further comprises an account unbinding module configured to: receiving a user's reduction instruction;
and unbinding the first account and the second account of the user according to the unbinding instruction.
The device can execute the multi-account linkage deposit method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details not described in detail in this embodiment, reference may be made to the method provided in any embodiment of the present invention.
Example four
Fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present invention. FIG. 4 illustrates a block diagram of an exemplary electronic device 412 suitable for use in implementing embodiments of the present invention. The electronic device 412 shown in fig. 4 is only an example and should not bring any limitations to the functionality and scope of use of the embodiments of the present invention.
As shown in fig. 4, the electronic device 412 is in the form of a general purpose computing device. The components of the electronic device 412 may include, but are not limited to: one or more processors 412, a memory 428, and a bus 418 that couples the various system components (including the memory 428 and the processor 416).
The memory 428 is used to store instructions. Memory 428 can include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)430 and/or cache memory 432. The electronic device 412 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 434 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 4, commonly referred to as a "hard drive"). Although not shown in FIG. 4, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 418 by one or more data media interfaces. Memory 428 can include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 440 having a set (at least one) of program modules 442 may be stored, for instance, in memory 428, such program modules 442 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. The program modules 442 generally perform the functions and/or methodologies of the described embodiments of the invention.
The electronic device 412 may also communicate with one or more external devices 414 (e.g., keyboard, pointing device, display 424, etc.), with one or more devices that enable a user to interact with the electronic device 412, and/or with any devices (e.g., network card, modem, etc.) that enable the electronic device 412 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interfaces 422. Also, the electronic device 412 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet) through the network adapter 420. As shown, network adapter 420 communicates with the other modules of electronic device 412 over bus 418. It should be appreciated that although not shown in FIG. 4, other hardware and/or software modules may be used in conjunction with the electronic device 412, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processor 416 performs various functional applications and data processing by executing instructions stored in the memory 428, such as performing the following: binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account; when the total balance in the first account is determined to exceed a first preset limit, transferring the amount exceeding the first preset limit in the first account into a second account; the method further includes obtaining a payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer the payout balance to the first account.
EXAMPLE five
The fifth embodiment of the present invention further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a multi-account linked deposit method, including:
binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account; when the total balance in the first account is determined to exceed a first preset limit, transferring the amount exceeding the first preset limit in the first account into a second account; the method further includes obtaining a payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer the payout balance to the first account.
Of course, the storage medium provided by the embodiment of the present invention contains computer-executable instructions, and the computer-executable instructions are not limited to the above method operations, and may also perform related operations in the multi-account linked deposit method provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk, or an optical disk of a computer, and includes several instructions to enable an electronic device (which may be a personal computer, a server, or a network device) to execute the cross-platform job transformation method according to the embodiments of the present invention.
It should be noted that, the units and modules included in the above embodiments are merely divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
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 (15)
1. A multi-account linked deposit method is characterized by comprising the following steps:
binding a first account and a second account of a user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account;
when the total balance in the first account is determined to exceed a first preset limit, transferring the amount exceeding the first preset limit in the first account into the second account;
obtaining a payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer to the first account the payout balance.
2. The method of claim 1, wherein the binding the first account and the second account of the user according to the subscription instruction of the user comprises:
determining whether the current balance of the first account meets a signing requirement or not according to a signing instruction of the user, wherein the signing requirement comprises the sum of the current balance of the first account which is not less than a first preset limit and a second account opening deposit amount;
and when the current balance of the first account is determined to meet the contract-signing requirement, binding the first account and the second account.
3. The method of claim 2, wherein the transferring the amount of money in the first account exceeding the first preset amount to the second account upon determining that the total balance in the first account exceeds a first preset amount comprises:
when the total balance in the first account is determined to exceed a first preset limit and the amount exceeding the first preset limit in the first account is determined to be larger than a second preset limit, transferring the amount exceeding the first preset limit in the first account into the second account;
wherein the second preset limit is smaller than the first preset limit.
4. The method of claim 1, further comprising:
when the total balance in the first account is determined to be smaller than the first preset limit, calculating the sum difference value between the first preset limit and the total balance in the first account;
and transferring the amount of money from the second account to the first account according to the amount difference value so as to ensure that the total balance in the first account is not less than the first preset amount after the amount of money is transferred.
5. The method of claim 1, wherein obtaining a payout difference upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount to instruct the second account to transfer to the first account the payout difference comprises:
obtaining a payout balance upon determining that a payout instruction including a payout amount is received and that the first account is insufficient to pay the payout amount;
and generating a sum complement request instruction according to the expenditure difference, and sending the sum complement request instruction to the second account so that the second account transfers the expenditure difference to the first account according to the sum complement request instruction.
6. The method of claim 5, wherein, after generating a request to replenish an amount in accordance with the payout balance and sending the request to replenish the amount to the second account, further comprising:
when determining that the payment of the amount of the first account fails within the preset time, re-sending the amount complementing request instruction to the second account;
when the sending times of the amount complementing request instruction are determined to exceed the preset times and the payment of the amount of the first account is continuously failed, generating prompt information of insufficient balance of a second account;
and sending the prompt information to a portable mobile terminal of the user.
7. The method of claim 6, wherein after the step of generating a prompt message indicating that the balance of the second account is insufficient when it is determined that the sending number of the request for replenishment of the amount exceeds a preset number and the payment of the amount of the first account fails, the method further comprises:
and reserving the second account.
8. The method of claim 1, further comprising:
when the total balance in the second account is determined to exceed a third preset limit, transferring the amount of money exceeding the third preset limit in the second account into the first account;
wherein the third preset limit is larger than the first preset limit.
9. The method of claim 1, further comprising:
when the amount in the second account is transferred out, determining whether the deposit period of the transferred amount exceeds the preset time, if so, determining the income of the transferred amount in the second account according to a first interest rate,
otherwise, determining the profit of the transfer-out amount in the second account according to a second interest rate, wherein the first interest rate is larger than the second interest rate.
10. The method of claim 1, further comprising:
counting and summarizing the balance of the second account of the signed user to obtain a summarized amount;
and judging whether the summary amount exceeds a fourth preset amount, if so, not receiving the signing instruction of the new user, and otherwise, continuously receiving the signing instruction of the new user.
11. The method according to any one of claims 1 to 10, wherein the subscription instruction comprises: a subscription organization, a subscription client type, an offer date, and a subscription number.
12. The method of claim 11, wherein after the binding the first account and the second account of the user according to the subscription instruction of the user, further comprising:
receiving a user's reduction instruction;
unbinding the first account and the second account of the user according to the contract opening instruction.
13. A multi-account linked savings device, the device comprising:
the account binding module is used for binding a first account and a second account of the user according to a signing instruction of the user, wherein the interest rate of the first account is smaller than that of the second account;
the first account transfer module is used for transferring the amount of money exceeding a first preset amount in the first account to the second account when the total balance in the first account is determined to exceed the first preset amount;
and the second transfer module is used for obtaining a expenditure difference when the fact that the expenditure instruction containing the expenditure amount is received and the first account is not enough to pay the expenditure amount is determined, so as to instruct the second account to transfer the expenditure difference to the first account.
14. An electronic device, characterized in that the electronic device comprises:
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 any one of claims 1-12.
15. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-12.
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| CN202011474813.6A CN112634011A (en) | 2020-12-14 | 2020-12-14 | Multi-account linkage deposit method and device, electronic equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011474813.6A CN112634011A (en) | 2020-12-14 | 2020-12-14 | Multi-account linkage deposit method and device, electronic equipment and storage medium |
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| CN112634011A true CN112634011A (en) | 2021-04-09 |
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