CN113393228A

CN113393228A - Electronic transfer method, system, electronic device, storage medium, and program product

Info

Publication number: CN113393228A
Application number: CN202110688963.5A
Authority: CN
Inventors: 杨雪梅; 高延太; 刘迪
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-06-21
Filing date: 2021-06-21
Publication date: 2021-09-14

Abstract

The present disclosure provides an electronic transfer method, which may be used in the financial field or other fields, and is used for one-to-many account transfer, including: the method comprises the steps that a plurality of collection accounts are subjected to association grouping according to a preset topological structure to obtain a plurality of associated collection account groups, wherein the preset topological structure represents the transfer relation and the transfer priority of a source account and the collection accounts; selecting at least one of the corresponding plurality of associated collection account groups according to the initiated transfer request; and carrying out electronic transfer according to the topological structure corresponding to the group. The present disclosure also provides an electronic transfer system, an electronic device, a computer-readable storage medium, and a computer program product.

Description

Electronic transfer method, system, electronic device, storage medium, and program product

Technical Field

The present disclosure relates to the field of network security technologies, and in particular, to a method, a system, an electronic device, a storage medium, and a program product for electronic money transfer.

Background

The collection management system is a computer system provided for the interaction between the bank type enterprise and the client, and is used for completing the business interaction management and analysis decision process between the bank and the client. The collection management system can be viewed as a whole that includes an internal database, computer software and hardware, and front and back end codes. The method carries out collection processing and management, information interaction and storage, and data statistics and analysis according to the pre-completed demand analysis and code logic, so as to make a proper expansion service for collection projects of enterprises.

The current collection management systems are all one-to-one systems. In the existing collection management system control, the operation of the production process and the service process of the whole system is generally controlled by the basic requirements of a single customer (i.e. a transfer person). Although a single customer can also continuously correct an existing plan by information feedback, for a modern collection management system which implements management control by means of multi-source information, because information of other related users except the customer is not well mastered, mobilized and coordinated, the information of the information can not be strictly controlled, and the risk of information leakage exists.

Disclosure of Invention

In order to solve the problems in the prior art, according to the electronic transfer method, the electronic transfer system, the electronic device, the storage medium and the program product provided by the embodiment of the disclosure, a plurality of collection accounts are associated and grouped according to a preset topological structure, so that the problem of user information disclosure is avoided, a client determines information transmission, and the privacy of the client is respected.

A first aspect of the present disclosure provides an electronic transfer method for one-to-many account transfer, including: the method comprises the steps that a plurality of collection accounts are subjected to association grouping according to a preset topological structure to obtain a plurality of associated collection account groups, wherein the preset topological structure represents the transfer relation and the transfer priority of a source account and the collection accounts; selecting at least one of the corresponding plurality of associated collection account groups according to the initiated transfer request; and carrying out electronic transfer according to the topological structure corresponding to the group.

Further, after performing electronic transfer according to the topology corresponding to the group, the method further includes: and sending corresponding transfer information to each collection account in the group according to the transfer request and the transfer priority.

Further, performing electronic transfer according to the topology corresponding to the group, including: performing electronic account transfer according to the account transfer priority in the topological structure corresponding to the group; and if at least one collection account transfer failure exists in the collection accounts corresponding to the current priority, terminating the electronic transfer and not transferring the collection accounts corresponding to the next level.

Further, the associating and grouping the plurality of collection accounts according to a preset topological structure to obtain a plurality of associated collection account groups, which comprises: acquiring a plurality of collection accounts to be associated; selecting one of preset topological structures, and performing association grouping on at least one of a plurality of collection accounts to be associated to obtain a corresponding associated collection account group; and repeating the association step until the association grouping of the remaining accounts in the plurality of collection accounts according to the preset topological structure is finished, and obtaining a plurality of associated collection account groups.

Further, after the plurality of collection accounts are associated and grouped according to a preset topological structure to obtain a plurality of associated collection account groups, the method further comprises: and adding an associated icon to each collection account in each associated collection account group according to the plurality of associated collection account groups so as to identify and distinguish the collection accounts.

Further, the preset topological structure includes a ring structure, a star structure, a bus structure, a tree structure and a mesh structure.

Further, the corresponding transfer priorities are different in different topologies.

Further, the transfer information includes: the source account name, the issuer name, the transfer amount, and the transfer type.

A second aspect of the present disclosure provides an electronic transfer system for one-to-many account transfers, comprising: the system comprises an association grouping module, a receiving account grouping module and a processing module, wherein the association grouping module is used for performing association grouping on a plurality of receiving accounts according to a preset topological structure to obtain a plurality of associated receiving account groups, and the preset topological structure represents the transfer relation and the transfer priority of a source account and the receiving accounts; the group selection module is used for selecting at least one group in the plurality of related collection account groups according to the initiated transfer request; and the electronic transfer module is used for carrying out electronic transfer according to the topological structure corresponding to the group.

Further, the system further comprises: and the notification module is used for sending the corresponding transfer information to each collection account in the group according to the transfer request and the transfer priority.

Further, the electronic transfer module is used for performing electronic transfer according to the topological structure corresponding to the group, and comprises: performing electronic account transfer according to the account transfer priority in the topological structure corresponding to the group; and if at least one collection account transfer failure exists in the collection accounts corresponding to the current priority, terminating the electronic transfer and not transferring the collection accounts corresponding to the next level.

Further, the association grouping module is configured to associate and group the plurality of receiving accounts according to a preset topology structure to obtain a plurality of associated receiving account groups, and includes: acquiring a plurality of collection accounts to be associated; selecting one of the preset topological structures, and performing association grouping on at least one of the plurality of collection accounts to be associated to obtain a corresponding associated collection account group; and repeating the association step until the association grouping of the remaining accounts in the plurality of collection accounts according to the preset topological structure is finished, and obtaining a plurality of associated collection account groups.

A third aspect of the present disclosure provides an electronic device, comprising: a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the computer program, implementing the method of electronic money transfer provided by the first aspect of the present disclosure.

A fourth aspect of the present disclosure provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the electronic transfer method provided by the first aspect of the present disclosure.

A fifth aspect of the present disclosure provides a computer program product comprising a computer program which, when executed by a processor, implements the method of electronic money transfer provided by the first aspect of the present disclosure.

According to the electronic transfer method, the electronic transfer system, the electronic equipment, the storage medium and the program product, different topological structures are designed to calibrate the priority of transmission information and electronic transfer, information access is strictly controlled, so that information nodes with a higher priority can selectively transmit information to a lower priority, and node object information with the same priority is kept consistent, the purpose of disclosing client information according to client requirements is achieved, the operation idea of taking a client as the basis is achieved, unnecessary information leakage is avoided, privacy information is revealed according to client requirements, and the purpose of protecting client privacy is achieved.

Drawings

For a more complete understanding of the present disclosure and the advantages thereof, reference is now made to the following descriptions taken in conjunction with the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario of a method of electronic transfer according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a method of electronic transfer according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a schematic diagram of a preset topology according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart for conducting an electronic transfer according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow diagram for obtaining a plurality of associated collection account groups according to an embodiment of the disclosure;

FIG. 6 schematically shows a flow chart of a method of electronic money transfer according to another embodiment of the present disclosure;

FIG. 7 schematically illustrates a block diagram of an electronic transfer system according to an embodiment of the present disclosure;

FIG. 8 schematically shows a block diagram of an electronic transfer system according to another embodiment of the present disclosure;

fig. 9 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

Some block diagrams and/or flow diagrams are shown in the figures. It will be understood that some blocks of the block diagrams and/or flowchart illustrations, or combinations thereof, 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, or other programmable data processing apparatus, such that the instructions, which execute via the processor, create means for implementing the functions/acts specified in the block diagrams and/or flowchart block or blocks. The techniques of this disclosure may be implemented in hardware and/or software (including firmware, microcode, etc.). In addition, the techniques of this disclosure may take the form of a computer program product on a computer-readable storage medium having instructions stored thereon for use by or in connection with an instruction execution system.

The embodiment of the disclosure provides an electronic transfer method, which can be used in the financial field or other fields, is used for one-to-many account transfer and comprises the following steps: the method comprises the steps that a plurality of collection accounts are subjected to association grouping according to a preset topological structure to obtain a plurality of associated collection account groups, wherein the preset topological structure represents the transfer relation and the transfer priority of a source account and the collection accounts; selecting at least one of the corresponding plurality of associated collection account groups according to the initiated transfer request; and carrying out electronic transfer according to the topological structure corresponding to the group.

According to the embodiment of the disclosure, the priorities of transmission information and electronic account transfer are calibrated by designing different topological structures, and information access is strictly controlled, so that information nodes at a higher priority can selectively transmit information to a lower priority, and node object information at the same priority is kept consistent, thereby achieving the purpose of disclosing customer information according to customer requirements, realizing an operation idea taking customers as the basis, avoiding unnecessary information leakage, and disclosing privacy information according to customer requirements, thereby achieving the purpose of protecting customer privacy.

FIG. 1 schematically shows an exemplary system architecture 100 that may be applied to the electronic transfer method according to an embodiment of the disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, the system architecture 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user (e.g. a transferor) may use

terminal devices

101, 102, 103 to interact with a server 105 over a network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as cell phone banking, enterprise banking, web browser applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for applications by which users utilize the

terminal devices

101, 102, 103. The background management server may analyze and process the received user request, and feed back a processing result (e.g., information or data) to the terminal device.

It should be noted that the electronic transfer method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the electronic transfer system provided by embodiments of the present disclosure may be generally deployed in the server 105. The electronic transfer method provided by the embodiments of the present disclosure may also be performed by a server or a cluster of servers different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the electronic transfer system provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

FIG. 2 schematically shows a flow chart of a method of electronic money transfer according to an embodiment of the disclosure. As shown in fig. 2, the method includes: steps S201 to S203.

In operation S201, the multiple collection accounts are associated and grouped according to a preset topology structure to obtain multiple associated collection account groups, where the preset topology structure represents a transfer relationship and a transfer priority between the source account and the collection account.

In the embodiment of the disclosure, the electronic transfer method may be applied to an electronic device, and the electronic device may include, but is not limited to, a server cluster, and the like. Various application systems, electronic transfer systems, and the like can be deployed in the electronic device, and an application with a transfer function is installed on the electronic device, for example: cell phone banking applications, enterprise banking applications, and the like.

In the embodiment of the present disclosure, the topology refers to a physical layout for connecting the computer terminal and the interactive object by using a transmission medium, and the connection structure can be represented as a geometric shape for reflecting the interactive connection relationship between the terminal server and the interactive object. The collection account refers to a collection object when electronic transfer is performed, the source account refers to a transfer account initiating the electronic transfer, and both the collection account and the transfer account can be a personal account, an enterprise account and the like, which are not limited by the disclosure.

According to the embodiment of the disclosure, the preset topology structures include, but are not limited to, a ring structure, a star structure, a bus structure, a tree structure, a mesh structure, and the like, and the multiple collection accounts can be associated with one collection account and multiple transfer accounts according to the ring structure, the star structure, the bus structure, the tree structure, the mesh structure, and the like, that is, "one-to-many" association manner is performed, and each topology structure represents the transfer relationship and transfer priority between the source account and the collection account.

Specifically, the transfer priority refers to the sequence of electronic transfer and the priority of transmission information, the priority of the transmission information refers to the priority of displaying account information of a source account when information of the source account is transmitted to collection accounts with different priorities in the transfer process, the account information of the source account includes but is not limited to account names, account numbers, transfer banks and other information, namely, when electronic transfer is performed, account information of source accounts with different degrees or the same degree can be sent to collection accounts with different priorities, and the account information of the source accounts with different degrees can be set according to user requirements when grouped according to associations.

In the embodiment of the disclosure, different transmission information priorities are calibrated by designing different topological structures, and the consistency of node object information at the same priority can be ensured, for example, the account information of a source account received by a highest-priority collection and transfer account can be information of an account name, an account number, a transfer bank and the like, the account information of a source account received by a second-highest-priority collection and transfer account can be information of a semi-hidden account name, a few digits after the account number and the like, and so on, the transmission information received by different levels of priorities can be the same or different.

Fig. 3 is a schematic diagram of several preset topologies according to an embodiment of the present disclosure.

Fig. 3a shows a ring structure, which indicates that all the collection accounts under the group have the same priority, for example, the ring structure can be applied to electronic account transfer when an enterprise pays employees monthly.

Fig. 3b shows a star structure, which indicates that a certain collection account (at the central node) under the group has a higher priority than other collection accounts, and other collection accounts except the collection account have the same priority, for example, the star structure can be applied to the case that a certain subcontract unit distributes the project money, the uniform repayment is firstly carried out to the contract unit, and then the situation that the balance distribution is decided by the contract unit. Because the reliability of the star topology is lower than that of the ring topology, it is necessary to ensure that the payee (such as the aforementioned contractor) of the central node can continue to transfer money after receiving money successfully.

Fig. 3c shows a bus-type structure, which means that all collection accounts under the group have different priorities, and the closer the node where the source account (i.e., the transfer account) is located, the higher the priority. For example, the bus type structure is suitable for the condition that the money needs to be transferred to different people and the money receiving sequence of each person is different, such as the condition that the payment of the debt is completed through the money transfer. According to the relevant provisions, the priority creditor will accept transfer compensation in a first order, the general creditor will accept transfer compensation in a second order, and the delivery loser will accept transfer compensation in a third order. The transfer of the topological structure takes long time (because the transfer of the next priority node can be carried out after the transfer of the current priority node is successful), but the transfer of the next priority node is not related to each other, so that the transfer of the next priority node is more flexible in adding or removing the association relation.

As shown in fig. 3d, it shows a tree structure, which indicates that some collection accounts under the group have different priorities, the closer to the node where the source account is located, the higher the priority, the same distance from the node where the source account is located, and the same priority. Compared with a bus type topological structure, the tree type topological structure has high reliability, but the structure is more complex because the number of nodes with the same priority is not unique. For example, the transfer remittance when the enterprise is bankruptcy, according to the relevant regulations, the salary and labor insurance expenses owed by the bankruptcy enterprise are in the highest priority; the debt money of the bankruptcy enterprise is at the next highest priority; the priority of the bankruptcy debt right is the next time, bankruptcy property is distributed one by one according to the clearing sequence, and before the previous sequence of debt right is completely cleared, the later sequence of debt right is not distributed. The property shortage of the bankruptcy is paid out for the bond right in the same sequence and is distributed according to the proportion.

Fig. 3e shows a mesh structure, which means that the priority of all the collection accounts under the group can be set or changed manually, and the priority can be determined according to the actual requirement. The mesh structure has higher reliability, can realize the information sharing among the nodes to the maximum extent, but has the characteristic of complex structure. The mesh-type topological structure marks the priorities of different information by designing different topological structures, can ensure the information sharing among nodes at the same priority, such as the transfer remittance among family members (couples, relatives and children, and the like), and supports the family members to select and create the transfer association by themselves.

Specifically, when the account association is performed in "one-to-many" manner, the associated collection account information is also associated to the group, wherein the collection account information includes, but is not limited to, an account name, an account number, a collection bank, a collection currency, a remark, and the like, and the remark information includes a company name to which the collection account belongs, a nickname, a transfer description, and the like.

In the embodiment of the disclosure, the same collection account is supported to be associated to different groups for multiple times, that is, the same collection account can be repeatedly associated to different groups for multiple times according to actual requirements; it may also be set that the same collection account can only be associated to one group, i.e. after the same collection account is associated to a new group, it is automatically disassociated in the last group and is not displayed in the last group.

It should be noted that, the topology structures in the foregoing embodiments are all exemplary descriptions, and do not represent that the topology structures only have the priority levels of one or two levels as shown, in other practical application scenarios, according to the transfer requirements and the application security requirements, the topology structures may be adjusted and optimized according to the practical requirements, which is not limited in the embodiments of the present disclosure.

In operation S202, at least one of the corresponding plurality of associated groups of collection accounts is selected according to the initiated transfer request.

In the embodiment of the present disclosure, at least one group of the plurality of associated collection account groups in step S201 is selected for electronic transfer according to the initiated transfer request, where the at least one group may be a group associated according to a topology structure such as a ring structure, a star structure, a bus structure, a tree structure, a mesh structure, and the like, and is selected according to an actual transfer requirement.

In operation S203, an electronic transfer is performed according to the topology corresponding to the group.

In the embodiment of the disclosure, after the corresponding transfer group is selected, the electronic transfer can be performed after the confirmation is correct, the transfer is specifically performed according to the priority set by the topological structure under the group, and the characteristic value of the collection transfer with the same priority and the priority of the transmission information are the same.

Specifically, the characteristic value of the collection transfer with the same priority may refer to characteristic value information fed back to the system after the electronic transfer is performed, for example: if the money transfer of the collection accounts corresponding to the current priority is successful, the feature values returned are all '1', if the money transfer of one transfer account fails, the feature values returned are all '0', namely, under the condition that the feature values returned by the collection accounts corresponding to the same priority are all '1', the next priority transfer operation can be performed, otherwise, if the money transfer of the current priority fails, the next priority cannot continue to transfer the money.

As shown in fig. 4, in operation S201, the associating and grouping a plurality of collection accounts according to a preset topology structure to obtain a plurality of associated collection account groups specifically includes: steps S401 to S403.

In operation S401, a plurality of collection accounts to be associated are acquired.

In operation S402, one of the preset topologies is selected, and at least one of the plurality of collection accounts to be associated is associated and grouped to obtain a corresponding associated collection account group.

In operation S403, the association procedure is repeated until the remaining accounts in the plurality of collection accounts are associated and grouped according to the preset topology, so as to obtain a plurality of associated collection account groups.

In the embodiment of the present disclosure, according to the transfer requirement of the source account, the corresponding information of the plurality of collection accounts to be associated is obtained, and then one of the preset topological structures is selected for association grouping, so as to obtain the corresponding associated collection account grouping. By repeating the operation, a plurality of collection accounts to be associated can be subjected to different association grouping for a plurality of times or the remaining accounts in the collection accounts are subjected to association grouping according to a preset topological structure until the association grouping is finished, so that a plurality of associated collection account groups are obtained.

It should be noted that, in order to avoid the duplication of grouping, when multiple same collection accounts are grouped again in the same topology, the information can be prompted to "duplicate" the source account, so that the duplication of grouping can be avoided.

As shown in fig. 5, in operation S203, performing an electronic transfer according to the topology corresponding to the group specifically includes: steps S501 to S502.

In operation S501, an electronic transfer is performed according to the transfer priority in the topology corresponding to the group.

In operation S502, if at least one collection account transfer failure exists in the collection accounts corresponding to the current priority, the electronic transfer is terminated, and the transfer of the collection account corresponding to the next priority is not performed.

In the embodiment of the disclosure, in order to guarantee the safety of each electronic transfer, when at least one receiving account fails to transfer money in the receiving accounts corresponding to the current priority, the electronic transfer is not continued to the next receiving account.

According to the embodiment of the disclosure, after the plurality of collection accounts are associated and grouped according to a preset topological structure and a plurality of associated collection account groups are obtained, the method further comprises: and adding an associated icon to each collection account in each associated collection account group according to the plurality of associated collection account groups so as to identify and distinguish the collection accounts.

In particular, the collection accounts under each group may be associated with a maximum number of 10 or other number of collection accounts at a time, which is not limited by this disclosure.

It should be noted that the above feature value or the maximum group association number returned after the transfer is performed on the collection accounts with different priorities is only an exemplary illustration, and does not constitute a limitation of the embodiment of the present disclosure.

FIG. 6 schematically shows a flow chart of a method of electronic money transfer according to another embodiment of the present disclosure.

As shown in fig. 6, the method includes: s201 to S204.

In operation S204, corresponding transfer information is sent to each collection account in the group according to the transfer request and the transfer priority.

According to the embodiment of the disclosure, when each electronic transfer is carried out, if the transfer is successful, the corresponding transfer information can be synchronously sent to each collection account in the group, namely, the transfer information is sent to each collection account in the group according to the priority of the transmission information set in the topological structure of the group. In the embodiment of the disclosure, the priority of the transmission information is set through the priority of the topological structure, so that the purpose of disclosing the client information according to the client requirement is achieved, the operation idea taking the client as the basis is realized, unnecessary information leakage can be avoided, the privacy information is disclosed according to the client requirement, and the purpose of protecting the privacy of the client is achieved.

FIG. 7 schematically shows a block diagram of an electronic transfer system according to an embodiment of the disclosure.

As shown in fig. 7, the electronic transfer system 700 includes: an association grouping module 710, a grouping selection module 720, and an electronic transfer module 730. The system 700 may be used to implement the electronic transfer method described with reference to FIG. 2.

And the association grouping module 710 is configured to perform association grouping on the multiple collection accounts according to a preset topology structure to obtain multiple associated collection account groups, where the preset topology structure represents a transfer relationship and a transfer priority between the source account and the collection account. According to an embodiment of the present disclosure, the association grouping module 710 may be configured to perform the step S201 described above with reference to fig. 2, for example, and is not described herein again.

A group selection module 720, configured to select at least one group of the plurality of associated collection account groups according to the initiated transfer request. According to an embodiment of the present disclosure, the grouping selection module 720 may be configured to perform the step S202 described above with reference to fig. 2, for example, and is not described herein again.

And an electronic transfer module 730, configured to perform electronic transfer according to the topology corresponding to the group. According to an embodiment of the present disclosure, the electronic transfer module 730 may be used to perform the step S203 described above with reference to fig. 2, for example, and will not be described herein again.

In an embodiment of the present disclosure, the electronic transfer module 730 is configured to perform electronic transfer according to a topology corresponding to the group, and includes: performing electronic account transfer according to the account transfer priority in the topological structure corresponding to the group; and if the transfer of the collection account corresponding to the current priority fails, the electronic transfer is terminated, and the transfer of the collection account corresponding to the next priority is not performed any more.

In the embodiment of the present disclosure, the association grouping module 710 is configured to associate and group a plurality of collection accounts according to a preset topology structure, to obtain a plurality of associated collection account groups, and includes: acquiring a plurality of collection accounts to be associated; selecting one of the preset topological structures, and performing association grouping on at least one of the plurality of collection accounts to be associated to obtain a corresponding associated collection account group; and repeating the association step until the association grouping of the remaining accounts in the plurality of collection accounts according to the preset topological structure is finished, and obtaining a plurality of associated collection account groups.

As shown in fig. 8, the system 700 further includes: and the notification module 740 is configured to send the corresponding transfer information to each collection account in the group according to the transfer request and the transfer priority. According to an embodiment of the disclosure, the notification module 740 may be configured to perform the step S204 described above with reference to fig. 6, for example, and is not described herein again.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any of association grouping module 710, grouping selection module 720, electronic transfer module 730, and notification module 740 may be combined in one module for implementation, or any of them may be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to embodiments of the present disclosure, at least one of association grouping module 710, grouping selection module 720, electronic transfer module 730, and notification module 740 may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or in any one of three implementations, or in any suitable combination of any of these. Alternatively, at least one of association grouping module 710, grouping selection module 720, electronic transfer module 730, and notification module 740 may be implemented, at least in part, as a computer program module that, when executed, may perform corresponding functions.

The electronic transfer method and the electronic transfer system provided by the disclosure can be used in the financial field or other fields, and it should be noted that the electronic transfer method and the electronic transfer system provided by the disclosure can be used in the financial field, for example, electronic transfer of a bank system in the financial field, and can also be used in other fields except the financial field.

Fig. 9 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure. The electronic device shown in fig. 9 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 9, the electronic device 900 described in this embodiment includes: a processor 901 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. Processor 901 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 901 may also include on-board memory for caching purposes. The processor 901 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the system 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the programs may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 900 may also include input/output (I/O) interface 905, input/output (I/O) interface 905 also connected to bus 904, according to an embodiment of the present disclosure. The system 900 may also include one or more of the following components connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output section 907 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

An embodiment of the present invention further provides a computer-readable storage medium, which may be included in the apparatus/device/system described in the foregoing embodiment; or may exist separately and not be assembled into the device/apparatus/system. The above-described computer-readable storage medium carries one or more programs which, when executed, implement an electronic money transfer method according to an embodiment of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In embodiments of the disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 902 and/or the RAM 903 described above and/or one or more memories other than the ROM 902 and the RAM 903.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the electronic transfer method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 901. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, and downloaded and installed through the communication section 909 and/or installed from the removable medium 911. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

It should be noted that each functional module in each embodiment of the present disclosure may be integrated into one processing module, or each module may exist alone physically, or two or more modules are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be substantially or partially embodied in the form of a software product, or all or part of the technical solution that contributes to the prior art.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

While the disclosure has been shown and described with reference to certain exemplary embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the disclosure as defined by the appended claims and their equivalents. Accordingly, the scope of the present disclosure should not be limited to the above-described embodiments, but should be defined not only by the appended claims, but also by equivalents thereof.

Claims

1. An electronic transfer method for one-to-many account transfers, comprising:

the method comprises the steps that a plurality of collection accounts are subjected to association grouping according to a preset topological structure to obtain a plurality of associated collection account groups, wherein the preset topological structure represents the transfer relation and the transfer priority of a source account and the collection accounts;

selecting at least one of the corresponding plurality of associated collection account groups according to the initiated transfer request;

and carrying out electronic transfer according to the topological structure corresponding to the group.

2. The method of claim 1, wherein after the electronic transfer according to the topology corresponding to the group, the method further comprises:

and sending corresponding transfer information to each collection account in the group according to the transfer request and the transfer priority.

3. The method of claim 1, wherein said electronically transferring according to the topology corresponding to the group comprises:

performing electronic account transfer according to the account transfer priority in the topological structure corresponding to the group;

and if at least one collection account transfer failure exists in the collection accounts corresponding to the current priority, terminating the electronic transfer and not transferring the collection accounts corresponding to the next level.

4. The method of claim 1, wherein the associating and grouping the plurality of collection accounts according to a preset topology structure to obtain a plurality of associated collection account groups comprises:

acquiring a plurality of collection accounts to be associated;

selecting one of the preset topological structures, and performing association grouping on at least one of the plurality of collection accounts to be associated to obtain a corresponding associated collection account group;

and repeating the association step until the association grouping of the remaining accounts in the plurality of collection accounts according to the preset topological structure is finished, and obtaining a plurality of associated collection account groups.

5. The method of claim 1, wherein after the plurality of receiving accounts are grouped in association according to a preset topology structure and a plurality of associated receiving account groups are obtained, the method further comprises:

and adding an associated icon to each collection account in each associated collection account group according to the plurality of associated collection account groups so as to identify and distinguish the collection accounts.

6. The method of claim 1, wherein the pre-established topology includes a ring structure, a star structure, a bus structure, a tree structure, and a mesh structure.

7. The method of claim 4, wherein corresponding transfer priorities differ in different topologies.

8. The method of claim 2, wherein the transfer information comprises: one or more of a name of the source account, an account opening name, a transfer amount, and a transfer type.

9. An electronic transfer system for one-to-many account transfers, comprising:

the system comprises an association grouping module, a receiving account grouping module and a processing module, wherein the association grouping module is used for performing association grouping on a plurality of receiving accounts according to a preset topological structure to obtain a plurality of associated receiving account groups, and the preset topological structure represents the transfer relation and the transfer priority of a source account and the receiving accounts;

the group selection module is used for selecting at least one group in the plurality of related collection account groups according to the initiated transfer request;

and the electronic transfer module is used for carrying out electronic transfer according to the topological structure corresponding to the group.

10. The system of claim 9, wherein the system further comprises:

and the notification module is used for sending the corresponding transfer information to each collection account in the group according to the transfer request and the transfer priority.

11. The system of claim 9, wherein the electronic transfer module is configured to transfer electronic transfers according to a topology corresponding to the group, comprising:

12. The system of claim 9, wherein the association grouping module is configured to associate and group the plurality of receiving accounts according to a preset topology structure to obtain a plurality of associated receiving account groups, and the association grouping module includes:

acquiring a plurality of collection accounts to be associated;

13. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the computer program, implements the method of electronic money transfer according to any of claims 1 to 8.

14. A computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of transferring electronic funds according to any of claims 1 to 8.

15. A computer program product comprising a computer program which, when executed by a processor, implements the method of electronic money transfer of any of claims 1 to 8.