CN113177847A - Standing book balance management method and device - Google Patents
Standing book balance management method and device Download PDFInfo
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Abstract
The invention discloses a method and a device for managing balance of a standing book, which relate to the technical field of virtual account management, wherein the method comprises the following steps: when a user initiates a transaction with a merchant through a third-party platform, receiving a transaction request sent by the user; determining the transaction type according to the transaction code carried in the transaction request; determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book; and processing the balance of the corresponding operable balance type according to the transaction request. The invention can ensure the fund security of merchants and simultaneously improve the user experience.
Description
Technical Field
The invention relates to the technical field of virtual account management, in particular to a method and a device for managing balance of a standing book.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, some merchants open accounts as collection accounts in banks, and set virtual accounts belonging to each user in the banks for each user in transaction, when the user charges in the merchant, the balance in the collection accounts of the merchants and the virtual accounts of the user is increased, the user can use the balance to consume in the merchant, and after consumption, the balance is correspondingly reduced.
Due to the popularization of mobile payment, the use of third party payment platforms is also becoming more and more widespread. However, a certain time is often needed for the third-party platform to process the transaction, after the user charges the merchant by using the third-party platform, the third-party platform notifies the bank to perform the account keeping, the balance of the user virtual account in the bank is increased, but the account keeping and the amount of money arriving are asynchronous, and the third-party platform often cannot transfer the charged amount of money to the collection account of the merchant in time. Thus, a contradiction between the user and the merchant occurs, the user pays the money and wants to consume the money, but the merchant payment account does not receive the money and cannot determine whether the user has paid successfully, in this case, if the user is allowed to use the increased balance, the fund loss generated by the merchant may be caused; if the user is not allowed to use the balance, the user experience may be degraded.
Disclosure of Invention
The embodiment of the invention provides a standing book balance management method, which is used for improving user experience while ensuring fund safety of merchants, and comprises the following steps:
when a user initiates a transaction with a merchant through a third-party platform, receiving a transaction request sent by the user;
determining the transaction type according to the transaction code carried in the transaction request;
determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book;
and processing the balance of the corresponding operable balance type according to the transaction request.
In one implementation of an embodiment of the invention, the balance types include an available cash-out balance, an unavailable cash-out balance, and an unavailable cash-out balance.
In an implementation manner of the embodiment of the invention, the corresponding operable balance type of the recharging is an available cashable balance; the operable balance types corresponding to cash withdrawal are available cash withdrawal balances and unavailable cash withdrawal balances; the payment corresponding operable balance types are available non-cashable balance and available cashable balance.
In an implementation manner of the embodiment of the present invention, when the transaction type is a recharge type, processing the balance of the corresponding operable balance type according to the transaction request includes:
and overlapping the transaction amount carried in the transaction request with the available cash-out balance of the standing book to serve as the new available cash-out balance of the standing book.
In an implementation manner of the embodiment of the present invention, when the transaction type is cash withdrawal, processing the balance of the corresponding operable balance type according to the transaction request includes:
judging whether the amount of the unavailable cash withdrawal balance of the standing book is larger than or equal to the transaction amount carried in the transaction type;
if yes, extracting the corresponding transaction amount from the unavailable cash-out balance;
if not, judging whether the sum of the unavailable cash-out balance and the available cash-out balance is more than or equal to the transaction amount;
if yes, extracting all balance from the unavailable cashable balance, and extracting cashing difference from the available cashable balance, wherein the cashing difference is the difference between the transaction amount and the unavailable cashable balance;
if not, a transaction failure notification is sent to the user.
In one implementation manner of the embodiment of the invention, the cash withdrawal transaction type is provided with a single cash withdrawal limit and a single-day accumulated cash withdrawal limit; before determining whether the amount of the unavailable cash withdrawal balance of the standing book is greater than or equal to the transaction amount carried in the transaction type, the method further comprises:
obtaining the sum of money withdrawn before the current moment as the single-day historical accumulated sum;
judging whether the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-withdrawal limit;
judging whether the amount of the unavailable cash withdrawal balance of the standing book is more than or equal to the transaction amount carried in the transaction type, and the method comprises the following steps:
and when the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-out limit, judging whether the amount of the unavailable cash-out balance of the account book is more than or equal to the transaction amount carried in the transaction type.
In an implementation manner of the embodiment of the present invention, when the transaction type is payment, processing a balance of a corresponding operable balance type according to the transaction request includes:
judging whether the available cash-out-unavailable balance of the standing book is more than or equal to the transaction amount carried in the transaction request;
if so, deducting the transaction amount from the available non-cashable balance;
if not, judging whether the sum of the available non-cashable balance and the available cashable balance is more than or equal to the transaction amount;
if yes, deducting all amount from the available cash-out balance, and deducting a payment difference from the available cash-out balance, wherein the payment difference is the difference between the transaction amount and the available cash-out balance;
if not, a transaction failure notification is sent to the user.
The embodiment of the invention also provides a standing book balance management device, which is used for improving the user experience while ensuring the fund security of merchants, and the device comprises:
the communication module is used for receiving a transaction request sent by a user when the user initiates a transaction with a merchant through a third-party platform;
the determining module is used for determining the transaction type according to the transaction code carried in the transaction request;
the determining module is further used for determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book;
and the processing module is used for processing the balance of the corresponding operable balance type according to the transaction request.
In one implementation of an embodiment of the invention, the balance types include an available cash-out balance, an unavailable cash-out balance, and an unavailable cash-out balance.
In an implementation manner of the embodiment of the invention, the corresponding operable balance type of the recharging is an available cashable balance; the operable balance types corresponding to cash withdrawal are available cash withdrawal balances and unavailable cash withdrawal balances; the payment corresponding operable balance types are available non-cashable balance and available cashable balance.
In an implementation manner of the embodiment of the present invention, when the transaction type is a recharge type, the processing module is configured to:
and overlapping the transaction amount carried in the transaction request with the available cash-out balance of the standing book to serve as the new available cash-out balance of the standing book.
In an implementation manner of the embodiment of the present invention, when the transaction type is cash withdrawal, the processing module is configured to:
judging whether the amount of the unavailable cash withdrawal balance of the standing book is larger than or equal to the transaction amount carried in the transaction type;
if yes, extracting the corresponding transaction amount from the unavailable cash-out balance;
if not, judging whether the sum of the unavailable cash-out balance and the available cash-out balance is more than or equal to the transaction amount;
if yes, extracting all balance from the unavailable cashable balance, and extracting cashing difference from the available cashable balance, wherein the cashing difference is the difference between the transaction amount and the unavailable cashable balance;
if not, a transaction failure notification is sent to the user.
In one implementation manner of the embodiment of the invention, the cash withdrawal transaction type is provided with a single cash withdrawal limit and a single-day accumulated cash withdrawal limit; the device further comprises:
the acquisition module is used for acquiring the sum of money withdrawn before the current moment as the single-day historical accumulated sum;
the judging module is used for judging whether the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-withdrawal limit or not;
the judgment module is further used for:
and when the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-out limit, judging whether the amount of the unavailable cash-out balance of the account book is more than or equal to the transaction amount carried in the transaction type.
In an implementation manner of the embodiment of the present invention, when the transaction type is payment, the processing module is configured to:
judging whether the available cash-out-unavailable balance of the standing book is more than or equal to the transaction amount carried in the transaction request;
if so, deducting the transaction amount from the available non-cashable balance;
if not, judging whether the sum of the available non-cashable balance and the available cashable balance is more than or equal to the transaction amount;
if yes, deducting all amount from the available cash-out balance, and deducting a payment difference from the available cash-out balance, wherein the payment difference is the difference between the transaction amount and the available cash-out balance;
if not, a transaction failure notification is sent to the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the standing book balance management method is realized when the processor executes the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned ledger balance management method is stored in the computer-readable storage medium.
In the embodiment of the invention, the corresponding relation between the transaction type and the operable balance type of the standing book is set, so that balances of different balance types are processed according to different transaction types, and a certain control is generated on the balance type which can be used by a user. Compared with the prior art that the user is not allowed to use the balance directly or is allowed to use all the balances, the embodiment of the invention not only ensures the fund safety of the merchant to a certain extent, but also meets the requirement of using the balance by the user to a certain extent, and improves the user experience.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a method for managing balance of a standing book according to an embodiment of the present invention;
FIG. 2 is a flow chart of another method for standing book balance management according to an embodiment of the present invention;
FIG. 3 is a flow chart of another method for standing book balance management according to an embodiment of the present invention;
FIG. 4 is a flow chart of another method for standing book balance management according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an account balance management apparatus according to an embodiment of the present invention;
FIG. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention;
fig. 7 is a system architecture diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a standing book balance management method, as shown in fig. 1, the method comprises steps 101 to 104:
And step 102, determining the transaction type according to the transaction code carried in the transaction request.
And 103, determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book.
In an embodiment of the present invention, the balance types include an available cash-out balance, an unavailable cash-out balance, and an unavailable cash-out balance.
The available cash withdrawal balance is the balance of the standing book in a normal state, and the balance can be withdrawn and used for order payment and the like.
And recording the amount of money from the account on the T +1 day by using the unavailable cash-withdrawal balance, for example, in an acquiring and paying scene, informing the counter account of the amount of money to be recorded in the balance by a payment result in the daytime, transferring the amount of money into a supervision account by the acquiring mechanism on the T +1 day, and transferring the part of available unavailable cash-withdrawal balance into the available cash-withdrawal balance after the account checking is successful.
The unavailable cash-out balance means that after the merchant logs out or runs, the online customers still have stock, and the funds of the customers belong to the unavailable cash-out balance, namely the unavailable cash-out balance can not be used for payment and only can be used for cash-out.
Unavailable cashable balance: that is, when the status of the standing book is frozen, the funds of the customer belong to the unavailable cash withdrawal balance, and when the customer performs operations such as payment and cash withdrawal, the funds of the customer cannot succeed.
It should be noted that the balance of the same user can be divided into a plurality of balance types, and the balance of one balance type can be converted into another balance type. For example, the balance of a user account record is 500 yuan, where 200 yuan is an available cashable balance, 300 yuan is an amount of money which is recharged by the user on the current day but is not received by the merchant bank account, and is an available cashable balance, and when the merchant bank account receives the money, the 300 yuan available cashable balance is converted into an available cashable balance, and the available cashable balance is increased to 500 yuan.
In the embodiment of the invention, the transaction types comprise recharge, payment and withdrawal, and different transaction types correspond to different operable balance types in consideration of different influences of recharge, payment and withdrawal on respective funds of a user and a merchant. Wherein, the operational balance type corresponding to the recharging is the available cash-out balance; the operable balance types corresponding to cash withdrawal are available cash withdrawal balances and unavailable cash withdrawal balances; the payment corresponding operable balance types are available non-cashable balance and available cashable balance.
In the embodiment of the present invention, a standing book fund limit table is set, and is used for storing the balance values of various balance types of balances required by each standing book, and the standing book fund limit table may be as shown in the following table one:
watch 1
In the table above, the number of the cooperation platform and the number of the third party platform in the bank are numbered; the contract account number is the account number of the virtual account of the user, the limit amount is the balance amount in each balance type, the limit period type code is used for limiting the time for converting a certain type of balance into an available balance type which can be brought up, and other limit periods can be set according to the actual situation except for permanence and single day.
Meanwhile, in order to clarify the change situation of the standing book each time, the detail situation of each time the balance of each balance type changes can be recorded, and the detail situation can be recorded in a standing book balance change detail table, as shown in the following table two:
watch two
In the above table, the direction of loan is used to describe the nature of the loan for the transaction.
And 104, processing the balance of the corresponding operable balance type according to the transaction request.
In an implementation manner of the embodiment of the present invention, when the transaction type is a recharge type, as shown in fig. 2, step 104 processes the balance of the corresponding operable balance type according to the transaction request, and may be executed as the following step 201:
and step 201, overlapping the transaction amount carried in the transaction request with the available cash-out balance of the standing book to serve as a new available cash-out balance of the standing book.
That is, considering that the user's recharge will not affect the merchant's funds, the available cash-out balance can be directly processed.
In one implementation manner of the embodiment of the present invention, when the transaction type is cash withdrawal, as shown in fig. 3, step 104 processes the balance of the corresponding operable balance type according to the transaction request, and may be performed as following steps 301 to 305:
step 301, judging whether the amount of the unavailable cash withdrawal balance of the standing book is more than or equal to the transaction amount carried in the transaction type;
and 305, if not, sending a transaction failure notice to the user.
In view of wider application scenes of the available cash-out balance, the operation priority of the unavailable cash-out balance is higher than that of the available cash-out balance in the cash-out scene, and when the user draws the cash, money is deducted from the unavailable cash-out balance preferentially.
In another implementation mode, the cash withdrawal transaction type also sets a single cash withdrawal limit and a single-day accumulated cash withdrawal limit; before judging whether the sum of the unavailable cash-out balance of the standing book is larger than or equal to the transaction sum carried in the transaction type, obtaining the sum of cash-out before the current moment as the single-day historical accumulated sum; and judging whether the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-withdrawal limit.
And when the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-up limit, judging whether the amount of the unavailable cash-up balance of the account book is greater than or equal to the transaction amount carried in the transaction type, and executing the operations in the steps 302 to 305 according to the judgment result.
In an implementation manner of the embodiment of the present invention, when the transaction type is payment, as shown in fig. 4, step 104 processes the balance of the corresponding operable balance type according to the transaction request, and may be executed as following steps 401 to 405:
In the same way, the application scenes of the available cash-out balance are more extensive, so that in the payment scene, the available cash-out balance is preferentially used for deduction.
Meanwhile, no matter which transaction type transaction occurs, the transaction flow is recorded so as to facilitate account checking of the user or the merchant. In addition, when a transaction fails, the reason of the transaction failure is also recorded, for example, when the withdrawal fails, the withdrawal exceeds the single-day accumulated withdrawal limit, so that the user or the merchant can conveniently consult the withdrawal.
In another implementation manner, considering that there are some complicated situations, for example, the third-party platform prestores money in the bank, and after the user recharges, the third-party platform notifies the bank account to book, and the bank can deduct the user recharging amount from the money prestored in the third-party platform, so that the user recharging amount can be considered to be paid in time, and the user cannot be limited to use the partial recharging amount.
In the embodiment of the invention, the corresponding relation between the transaction type and the operable balance type of the standing book is set, so that balances of different balance types are processed according to different transaction types, and a certain control is generated on the balance type which can be used by a user. Compared with the prior art that the user is not allowed to use the balance directly or is allowed to use all the balances, the embodiment of the invention not only ensures the fund safety of the merchant to a certain extent, but also meets the requirement of using the balance by the user to a certain extent, and improves the user experience.
The embodiment of the invention also provides a standing book balance management device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the standing book balance management method, the implementation of the device can refer to the implementation of the standing book balance management method, and repeated parts are not described again.
As shown in fig. 5, the apparatus 500 includes a communication module 501, a determination module 502, and a processing module 503.
The communication module 501 is configured to receive a transaction request sent by a user when the user initiates a transaction with a merchant through a third party platform;
a determining module 502, configured to determine the transaction type according to the transaction code carried in the transaction request;
the determining module 502 is further configured to determine, according to the transaction type and the corresponding relationship between the transaction type and the operable balance type of the standing book, an operable balance type of the transaction;
the processing module 503 is configured to process the balance of the corresponding operable balance type according to the transaction request.
In one implementation of an embodiment of the invention, the balance types include an available cash-out balance, an unavailable cash-out balance, and an unavailable cash-out balance.
In an implementation manner of the embodiment of the invention, the corresponding operable balance type of the recharging is an available cashable balance; the operable balance types corresponding to cash withdrawal are available cash withdrawal balances and unavailable cash withdrawal balances; the payment corresponding operable balance types are available non-cashable balance and available cashable balance.
In an implementation manner of the embodiment of the present invention, when the transaction type is a top-up, the processing module 503 is configured to:
and overlapping the transaction amount carried in the transaction request with the available cash-out balance of the standing book to serve as the new available cash-out balance of the standing book.
In one implementation manner of the embodiment of the present invention, when the transaction type is cash withdrawal, the processing module 503 is configured to:
judging whether the amount of the unavailable cash withdrawal balance of the standing book is larger than or equal to the transaction amount carried in the transaction type;
if yes, extracting the corresponding transaction amount from the unavailable cash-out balance;
if not, judging whether the sum of the unavailable cash-out balance and the available cash-out balance is more than or equal to the transaction amount;
if so, extracting all balance from the unavailable cash-out balance, and extracting a cash-out difference from the available cash-out balance, wherein the cash-out difference is the difference between the transaction amount and the unavailable cash-out balance;
if not, a transaction failure notification is sent to the user.
In one implementation manner of the embodiment of the invention, the cash withdrawal transaction type is provided with a single cash withdrawal limit and a single-day accumulated cash withdrawal limit; the apparatus 500 further comprises:
an obtaining module 504, configured to obtain an amount of money to be withdrawn before a current time as a single-day historical accumulated amount;
a judging module 505, configured to judge whether a sum of the transaction amount and the single-day historical accumulated amount is less than or equal to a single-day accumulated cash-withdrawal limit;
the determining module 505 is further configured to:
and when the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-out limit, judging whether the amount of the unavailable cash-out balance of the account book is more than or equal to the transaction amount carried in the transaction type.
In one implementation manner of the embodiment of the present invention, when the transaction type is payment, the processing module 503 is configured to:
judging whether the available cash-out-unavailable balance of the standing book is more than or equal to the transaction amount carried in the transaction request;
if so, deducting the transaction amount from the available non-cashable balance;
if not, judging whether the sum of the available non-cashable balance and the available cashable balance is more than or equal to the transaction amount;
if so, deducting all amount from the available cash-out balance, and deducting a payment difference from the available cash-out balance, wherein the payment difference is the difference between the transaction amount and the available cash-out balance;
if not, a transaction failure notification is sent to the user.
In the embodiment of the invention, the corresponding relation between the transaction type and the operable balance type of the standing book is set, so that balances of different balance types are processed according to different transaction types, and a certain control is generated on the balance type which can be used by a user. Compared with the prior art that the user is not allowed to use the balance directly or is allowed to use all the balances, the embodiment of the invention ensures the fund safety of the merchant to a certain degree, meets the requirement of using the balance by the user to a certain degree, and improves the user experience
An embodiment of the present invention further provides a computer device, and fig. 6 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the ledger balance management method in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)601, a memory (memory)602, a communication Interface (Communications Interface)603, and a communication bus 604;
the processor 601, the memory 602 and the communication interface 603 complete mutual communication through the communication bus 604; the communication interface 603 is used for implementing information transmission between related devices;
the processor 601 is configured to call a computer program in the memory 602, and when the processor executes the computer program, the machine account balance management method in the above embodiment is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned ledger balance management method is stored in the computer-readable storage medium.
Fig. 7 is a schematic diagram of a system configuration of a computer device according to an embodiment of the present invention. As shown in fig. 7, the computer device 700 may include a processor 701 and a memory 702; a memory 702 is coupled to the processor 701. Notably, this fig. 7 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the functionality implemented by the ledger balance management method may be integrated into the processor 701. Wherein, the processor 701 may be configured to control as follows: when a user initiates a transaction with a merchant through a third-party platform, receiving a transaction request sent by the user; determining the transaction type according to the transaction code carried in the transaction request; determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book; and processing the balance of the corresponding operable balance type according to the transaction request.
As can be seen from the above, the computer device provided in the embodiment of the present invention receives a transaction request sent by a user when the user initiates a transaction with a merchant through a third party platform; determining the transaction type according to the transaction code carried in the transaction request; determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book; and processing the balance of the corresponding operable balance type according to the transaction request.
By the aid of the computer equipment provided by the embodiment of the invention, user experience can be improved while fund security of merchants is guaranteed.
In another embodiment, the standing balance management apparatus may be configured separately from the processor 701, for example, the standing balance management apparatus may be configured as a chip connected to the processor 701, and the processor may control the standing balance management apparatus to implement the function of the standing balance management method.
As shown in fig. 7, the computer device 700 may further include: a communication module 703, an input unit 704, an audio processing unit 705, a display 707, and a power supply 703. It is noted that the computer device 700 does not necessarily include all of the components shown in FIG. 7; furthermore, the computer device 700 may also comprise components not shown in fig. 7, as can be seen in the prior art.
As shown in FIG. 7, the processor 701, which is sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, and the processor 701 receives input and controls the operation of the various components of the computer device 700.
The memory 702 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the processor 701 may execute the program stored in the memory 702 to realize information storage or processing, or the like.
The input unit 704 provides input to the processor 701. The input unit 704 is, for example, a key or a touch input device. The power supply 703 is used to provide power to the computer device 700. The display 707 is used to display an object to be displayed, such as an image and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 702 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 702 may also be some other type of device. Memory 702 includes a buffer memory 7021 (sometimes referred to as a buffer). The memory 702 may include an application/function storage 7022, the application/function storage 7022 being used to store application programs and function programs or procedures for performing operations of the computer device 700 by the processor 701.
The memory 702 may also include a data store 7023, the data store 7023 being for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the computer device. The driver storage portion 7024 of the memory 702 may include various drivers for the computer device for communication functions and/or for performing other functions of the computer device (e.g., messaging applications, directory applications, etc.).
The communication module 703 is a transmitter/receiver that transmits and receives signals via the antenna 708. A communication module (transmitter/receiver) 703 is coupled to the processor 701 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 703, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same computer device. The communication module (transmitter/receiver) 703 is also coupled to a speaker 709 and a microphone 710 via an audio processing unit 705 to provide audio output via the speaker 709 and receive audio input from the microphone 710 to implement general telecommunication functions. The audio processing unit 705 may include any suitable buffers, decoders, amplifiers and so forth. Additionally, an audio processing unit 705 is also coupled to the processor 701 to enable recording of sound locally through a microphone 710 and to enable playing of locally stored sound through a speaker 709.
An embodiment of the present invention further provides a computer-readable storage medium for implementing all steps in the standing book balance management method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, implements all steps of the standing book balance management method in the foregoing embodiment, for example, when the processor executes the computer program, the processor implements the following steps: when a user initiates a transaction with a merchant through a third-party platform, receiving a transaction request sent by the user; determining the transaction type according to the transaction code carried in the transaction request; determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book; and processing the balance of the corresponding operable balance type according to the transaction request.
As can be seen from the above, the computer-readable storage medium provided in the embodiment of the present invention receives a transaction request sent by a user when the user initiates a transaction with a merchant through a third party platform; determining the transaction type according to the transaction code carried in the transaction request; determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book; and processing the balance of the corresponding operable balance type according to the transaction request.
By the computer-readable storage medium provided by the embodiment of the invention, the fund security of merchants can be guaranteed, and the user experience can be improved.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Each aspect and/or embodiment of the invention can be used alone or in combination with one or more other aspects and/or embodiments.
The above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (16)
1. A standing book balance management method, characterized in that the method comprises:
when a user initiates a transaction with a merchant through a third-party platform, receiving a transaction request sent by the user;
determining the transaction type according to the transaction code carried in the transaction request;
determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book;
and processing the balance of the corresponding operable balance type according to the transaction request.
2. The method of claim 1, wherein the balance types include an available cash-out balance, an unavailable cash-out balance, and an unavailable cash-out balance.
3. The method of claim 2, wherein the top-up corresponding operable balance type is an available cash-out balance; the operable balance types corresponding to cash withdrawal are available cash withdrawal balances and unavailable cash withdrawal balances; the payment corresponding operable balance types are available non-cashable balance and available cashable balance.
4. The method of claim 3, wherein when the transaction type is recharge, processing the balance of the corresponding operable balance type according to the transaction request comprises:
and overlapping the transaction amount carried in the transaction request with the available cash-out balance of the standing book to serve as the new available cash-out balance of the standing book.
5. The method of claim 3, wherein processing balances of respective operable balance types in response to a transaction request when the transaction type is cash-out comprises:
judging whether the amount of the unavailable cash withdrawal balance of the standing book is larger than or equal to the transaction amount carried in the transaction type;
if yes, extracting the corresponding transaction amount from the unavailable cash-out balance;
if not, judging whether the sum of the unavailable cash-out balance and the available cash-out balance is more than or equal to the transaction amount;
if yes, extracting all balance from the unavailable cashable balance, and extracting cashing difference from the available cashable balance, wherein the cashing difference is the difference between the transaction amount and the unavailable cashable balance;
if not, a transaction failure notification is sent to the user.
6. The method of claim 5, wherein the cash-out transaction type sets a single cash-out limit and a single-day cumulative cash-out limit; before determining whether the amount of the unavailable cash withdrawal balance of the standing book is greater than or equal to the transaction amount carried in the transaction type, the method further comprises:
obtaining the sum of money withdrawn before the current moment as the single-day historical accumulated sum;
judging whether the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-withdrawal limit;
judging whether the amount of the unavailable cash withdrawal balance of the standing book is more than or equal to the transaction amount carried in the transaction type, and the method comprises the following steps:
and when the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-out limit, judging whether the amount of the unavailable cash-out balance of the account book is more than or equal to the transaction amount carried in the transaction type.
7. The method of claim 3, wherein processing balances of respective operable balance types in response to a transaction request when the transaction type is payment comprises:
judging whether the available cash-out-unavailable balance of the standing book is more than or equal to the transaction amount carried in the transaction request;
if so, deducting the transaction amount from the available non-cashable balance;
if not, judging whether the sum of the available non-cashable balance and the available cashable balance is more than or equal to the transaction amount;
if yes, deducting all amount from the available cash-out balance, and deducting a payment difference from the available cash-out balance, wherein the payment difference is the difference between the transaction amount and the available cash-out balance;
if not, a transaction failure notification is sent to the user.
8. An apparatus for managing a balance of a standing book, the apparatus comprising:
the communication module is used for receiving a transaction request sent by a user when the user initiates a transaction with a merchant through a third-party platform;
the determining module is used for determining the transaction type according to the transaction code carried in the transaction request;
the determining module is further used for determining the operable balance type of the transaction according to the transaction type and the corresponding relation between the transaction type and the operable balance type of the standing book;
and the processing module is used for processing the balance of the corresponding operable balance type according to the transaction request.
9. The apparatus of claim 8, wherein the balance types include an available cash-out balance, an unavailable cash-out balance, and an unavailable cash-out balance.
10. The apparatus of claim 9, wherein the top-up corresponding operable balance type is an available cash-out balance; the operable balance types corresponding to cash withdrawal are available cash withdrawal balances and unavailable cash withdrawal balances; the payment corresponding operable balance types are available non-cashable balance and available cashable balance.
11. The apparatus of claim 10, wherein when the transaction type is top-up, the processing module is configured to:
and overlapping the transaction amount carried in the transaction request with the available cash-out balance of the standing book to serve as the new available cash-out balance of the standing book.
12. The apparatus of claim 10, wherein when the transaction type is cash-out, the processing module is configured to:
judging whether the amount of the unavailable cash withdrawal balance of the standing book is larger than or equal to the transaction amount carried in the transaction type;
if yes, extracting the corresponding transaction amount from the unavailable cash-out balance;
if not, judging whether the sum of the unavailable cash-out balance and the available cash-out balance is more than or equal to the transaction amount;
if yes, extracting all balance from the unavailable cashable balance, and extracting cashing difference from the available cashable balance, wherein the cashing difference is the difference between the transaction amount and the unavailable cashable balance;
if not, a transaction failure notification is sent to the user.
13. The apparatus of claim 12, wherein the cash-out transaction type sets a single cash-out limit and a single-day cumulative cash-out limit; the device further comprises:
the acquisition module is used for acquiring the sum of money withdrawn before the current moment as the single-day historical accumulated sum;
the judging module is used for judging whether the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-withdrawal limit or not;
the judgment module is further used for:
and when the sum of the transaction amount and the single-day historical accumulated amount is less than or equal to the single-day accumulated cash-out limit, judging whether the amount of the unavailable cash-out balance of the account book is more than or equal to the transaction amount carried in the transaction type.
14. The apparatus of claim 10, wherein when the transaction type is payment, the processing module is configured to:
judging whether the available cash-out-unavailable balance of the standing book is more than or equal to the transaction amount carried in the transaction request;
if so, deducting the transaction amount from the available non-cashable balance;
if not, judging whether the sum of the available non-cashable balance and the available cashable balance is more than or equal to the transaction amount;
if yes, deducting all amount from the available cash-out balance, and deducting a payment difference from the available cash-out balance, wherein the payment difference is the difference between the transaction amount and the available cash-out balance;
if not, a transaction failure notification is sent to the user.
15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 7 when executing the computer program.
16. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110544318.6A CN113177847A (en) | 2021-05-19 | 2021-05-19 | Standing book balance management method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110544318.6A CN113177847A (en) | 2021-05-19 | 2021-05-19 | Standing book balance management method and device |
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| CN113177847A true CN113177847A (en) | 2021-07-27 |
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