CN113807944A - Spare payment allocation method and device, electronic equipment and storage medium - Google Patents
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Abstract
The application discloses a spare payment allocation method and device, electronic equipment and a storage medium. The method comprises the following steps: configuring a distributed make-up account system for storing make-up for the target payment authority; if the reserve payment of the reserve payment account of the target database management center level is smaller than the withdrawal amount to be transferred, transferring the withdrawal amount from the reserve payment of the reserve payment account of the centralized management platform level to the reserve payment account of the target database management center level; if the reserve payment of the reserve payment account of the centralized management platform level is smaller than the withdrawal amount to be called, the reserve payment accounts of the central level are managed according to the reserve payment of the reserve payment accounts of the central level of each database, the reserve payment accounts of the central level of the centralized management platform are collected, the withdrawal amount is called from the reserve payment accounts collected by the reserve payment accounts of the central level of the centralized management platform to the reserve payment account of the central level of the target database management, and the problem of how to call the reserve payment is solved effectively under the condition of insufficient account balance.
Description
The patent application of the invention is a divisional application of Chinese invention patent application with the application date of 2018, 9 and 27 months and the application number of 201811043143.5 and the name of 'method, device and storage medium for allocating funds for future payment'.
Technical Field
The present application relates to the field of clearing technologies, and in particular, to a method and an apparatus for allocating a prepaid fee, an electronic device, and a storage medium.
Background
In the actual application process of the settlement platform, the reserve payments of the payment mechanisms are distributed in the accounts at all levels, and the payment service is continuously generated for a period of time, so that the reserve payments between the accounts at all levels are unbalanced, and the payment service fails, so that the reserve payments are necessarily allocated under the distributed account system architecture to continuously adjust and balance the reserve payments in the accounts.
Disclosure of Invention
The embodiment of the application provides a spare payment allocation method, a spare payment allocation device, electronic equipment and a storage medium, so as to solve the problem of unbalance of spare payment in each account.
The embodiment of the application adopts the following technical scheme:
in a first aspect, an embodiment of the present application provides a spare payment allotment method, which is executed by a clearing platform, and includes: configuring a distributed payment reserve account system for storing a payment reserve for a target payment mechanism, wherein the distributed payment reserve account system corresponds to a distributed structure of a clearing platform and specifically comprises the following steps: the system comprises a payment account of a centralized management platform level and a payment account of a database management center level, wherein the centralized management platform level is higher than the database management center level; if the reserve payment of the reserve payment account of the target database management center level is smaller than the withdrawal amount to be transferred, transferring the withdrawal amount from the reserve payment of the reserve payment account of the centralized management platform level to the reserve payment account of the target database management center level; if the reserve payment of the reserve payment account of the centralized management platform level is smaller than the withdrawal amount to be called, firstly, the reserve payment accounts of the central level are managed according to the reserve payment of the reserve payment accounts of the central level of each database, the reserve payment accounts of the centralized management platform level are collected, and then the withdrawal amount is called from the reserve payment accounts collected by the reserve payment accounts of the central level of the centralized management platform level to the reserve payment accounts of the central level of the target database management.
In a second aspect, an embodiment of the present application further provides a spare payment amount allocating device, which is used for implementing any one of the spare payment amount allocating methods described above.
In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to perform a pay-for-payment dialing method as described in any one of the above.
In a fourth aspect, embodiments of the present application further provide a computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to perform a prepaid fund transfer method as described in any of the above.
According to the method and the device, the reserve payment can be allocated under the distributed account system architecture, and the reserve payment in the accounts at all levels can be effectively adjusted and balanced.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a schematic flow chart of a method for allocating funds for payment according to an embodiment of the present application;
fig. 2 is a schematic flow chart of a method for allocating funds for reimbursement according to another embodiment of the present application;
fig. 3 is a schematic structural diagram of a spare fund transfer device according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a prepaid fund transfer device according to another embodiment of the present application;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application. On the contrary, the embodiments of the application include all changes, modifications and equivalents coming within the spirit and terms of the claims appended hereto.
Fig. 1 is a schematic flow chart of a prepaid fund transfer method according to an embodiment of the present application.
The present embodiment is exemplified in that the prepaid fee transfer method is configured as a prepaid fee transfer apparatus.
The method for allocating the prepaid fee in this embodiment may be configured in a prepaid fee allocating device, and the prepaid fee allocating device may be disposed in a server, or may also be disposed in an electronic device, which is not limited in this embodiment of the present application.
The present embodiment takes the example that the prepaid fee calling method is configured in the server.
The electronic device is, for example, a Personal Computer (PC), a cloud device or a mobile device, and the mobile device is, for example, a smart phone or a tablet Computer.
It should be noted that the execution main body in the embodiment of the present application may be, for example, a Central Processing Unit (CPU) in a server or an electronic device in terms of hardware, and may be, for example, a related background service in the server or the electronic device in terms of software, which is not limited to this.
The method for allocating the reserve payment is applied to a clearing platform, wherein a plurality of reserve payment accounts with different management levels are configured for a target payment mechanism in the clearing platform, and the reserve payment accounts store the reserve payment of the target payment mechanism.
The target payment mechanism may be, for example, a payment instrument, a WeChat payment, etc., without limitation.
The clearing platform in the embodiment of the application has a three-level account architecture.
In the actual application process of the settlement platform, the reserve payments of the payment mechanisms are distributed in the accounts at all levels, and the payment service is continuously generated for a period of time, so that the reserve payments between the accounts at all levels are unbalanced, and the payment service fails, so that the reserve payments are necessarily allocated under the distributed account system architecture to continuously adjust and balance the reserve payments in the accounts.
In order to solve the above technical problem, an embodiment of the present application provides a method for allocating a prepaid fee, which can allocate the prepaid fee under a distributed account system architecture by determining a management level of each prepaid fee account and allocating the prepaid fee of a target payment mechanism according to the management level and by combining a preset policy, so as to effectively adjust and balance the prepaid fee in each level of the accounts.
Referring to fig. 1, the method includes:
s101: the management level of each of the back-up payment accounts is determined.
The clearing platform in the embodiment of the application is a distributed structure.
The architecture of the reserve payment account corresponds to a distributed structure of a clearing platform, and specifically, the clearing platform includes: the system comprises a centralized management platform, a database management center and a database, wherein the number of the database management centers can be multiple, each database management center is distributed in different geographical areas, the centralized management platform is used for performing centralized management on data in each database management center, and correspondingly, the database is used for supporting the money outlet service and the money inlet service of each payment mechanism.
In the embodiment of the application, each database management center respectively processes network payment transactions initiated by different payment mechanisms, and transaction data of each database management center needs to be collected and collected to the centralized management platform, so in the embodiment of the application, a reserve payment account of a centralized management platform hierarchy can be set for different payment mechanisms, a reserve payment account of a database management center hierarchy can be set for each database management center, and a reserve payment account of a database hierarchy can be set for the database hierarchy.
The management hierarchy may be embodied as a centralized management platform hierarchy, a database management center hierarchy, and a database hierarchy.
In the specific implementation process of the embodiment of the application, after the prepaid account of different management levels is established, the allocation of the prepaid of the target payment mechanism according to the management levels and the preset strategy can be triggered in real time or at preset time intervals.
S102: and according to the management level, allocating the spare payment of the target payment mechanism by combining a preset strategy.
In the specific implementation process of the embodiment of the application, after the standing-by payment accounts of different management levels are established, the call proportion value corresponding to each management level can be determined; and distributing and storing the reserve payment of the target payment mechanism in the reserve payment account of each management level according to each corresponding transfer proportion value.
As an example, the prepaid account of the centralized management platform hierarchy, the prepaid account of the database management center hierarchy, and the prepaid account of the database hierarchy, the prepaid transfer proportion value between the prepaid accounts of each management hierarchy may be transferred in the relationship of X: Y: Z, during the initial transfer, the prepaid of the target payment mechanism may be stored, wherein a part with a proportion of X/(X + Y + Z) is stored in the prepaid account of the centralized management platform hierarchy, a part with a proportion of Y/(X + Y + Z) is stored in the prepaid account of the database management center hierarchy, and a part with a proportion of Z/(X + Y + Z) is stored in the prepaid account of the database hierarchy.
The dialing proportion value can be preset by dialing empirical value, which is not limited.
By the above, the reserve payment accounts of each management level can be fully utilized, and the initialization balance of the reserve payment accounts of each management level can be realized.
In the specific implementation process of the embodiment of the application, the database management center level is higher than the database level, and the reserve payment of the target payment mechanism is stored in the reserve payment account of each management level in a distributed manner according to each corresponding transfer proportion value, including: determining a first maximum limit of the reserve payment account of the database tier based on the transfer proportion value; and transferring the reserve payment in the reserve payment account of the database management center level into the reserve payment account of the database level so as to enable the reserve payment in the reserve payment account of the database level after transfer to reach a first maximum limit.
Or, the centralized management platform hierarchy is higher than the database management center hierarchy, the reserve payment of the target payment mechanism is distributed and stored in the reserve payment account of each management hierarchy according to each corresponding transfer proportion value, and the method further comprises the following steps: determining a second maximum limit of the reserve payment account of the database management center level based on the transfer proportion value; and collecting the reserve payment accounts exceeding the second highest limit in the reserve payment accounts of the database management center hierarchy into the reserve payment accounts of the centralized management platform hierarchy.
In the specific execution process of the embodiment of the application, the reserve payment in the reserve payment account of the database management center level is allocated from the reserve payment account of the centralized management platform level when the reserve payment in the reserve payment account of the database management center level does not reach the second maximum limit.
As an example, the timed task triggers a transfer of the funds on behalf of the database management center hierarchy into the funds on behalf of the database hierarchy, increases the balance of each of the database hierarchy funds on behalf of the database hierarchy to a first maximum limit, decrements the corresponding funds on behalf of the database management center hierarchy, and collects the funds on behalf of the database management center hierarchy that exceed a second maximum limit up to the centralized management platform hierarchy.
Optionally, in some embodiments, referring to fig. 2, the method further comprises:
s201: and receiving a cash-out service request.
S202: and when the balance of the reserve payment in the reserve payment account of the target management level requested by the payment service request is insufficient, requesting to transfer the reserve payment to the reserve payment account of the last management level of the target management level.
As an example, in a prepaid payout operation, such as a payment service (merchant settlement), a merchant may draw a large amount of funds from a prepaid account of a target payment mechanism, in such an application scenario, a large payout shortage may occur, and when the large payout is insufficient, the following steps are performed to perform the payout operation:
1. the balance of the reserve payment account at the database level is insufficient: when the balance of the reserve payment account at the database level is insufficient, the balance of the reserve payment account at the database management center level can be requested to transfer the payment amount to the reserve payment account at the database level, and the payment operation is executed after the transfer is finished.
2. The balance of the reserve payment account at the database management center level is insufficient: when the reserve payment account of the database hierarchy requests the reserve payment account of the database management center hierarchy to allocate the withdrawal balance, and the reserve payment account of the database management center hierarchy is insufficient in balance, the amount of the withdrawal of the reserve payment account of the centralized management platform hierarchy can be requested to be allocated to the reserve payment account of the database management center hierarchy.
3. The balance of the reserve payment account of the centralized management platform level is insufficient: when the reserve payment account of the database management center level requests the reserve payment account of the centralized management platform level to transfer the withdrawal amount, if the balance of the reserve payment account of the centralized management platform level is insufficient, the fund collection of the reserve payment account of each lower management level is triggered, the deduction is triggered, and if the balance is failed, information of insufficient balance and withdrawal service failure is returned.
By receiving the payment service request, when the balance of the reserve payment in the reserve payment account of the target management level requested by the payment service request is insufficient, the reserve payment account of the last management level of the target management level is requested to be allocated, so that allocation can be performed according to the occurrence of the service during the actual service execution circulation, the reserve payment among the reserve payment account numbers can be balanced in an all-round manner, and the demand of the payment service can be met accurately.
In this embodiment, the management level of each spare payment account is determined, and the spare payment of the target payment mechanism is allocated according to the management level and the preset strategy, so that the spare payment can be allocated under the distributed account system architecture, and the spare payment in each level of account can be effectively adjusted and balanced.
Fig. 3 is a schematic structural diagram of a prepaid fund transfer device according to an embodiment of the present application.
The method is applied to a clearing platform, wherein a plurality of reserve payment accounts with different management levels are configured for a target payment mechanism in the clearing platform, and reserve payment of the target payment mechanism is stored in the reserve payment accounts.
Referring to fig. 3, the apparatus 300 includes:
a determining module 301, configured to determine a management level of each prepaid account.
And the allocating module 302 is configured to allocate the reserve payment of the target payment mechanism according to the management level and in combination with a preset policy.
Optionally, in some embodiments, referring to fig. 4, the invoking module 302 includes:
the determining submodule 3021 is configured to determine a dial proportion value corresponding to each management level.
And the allocating submodule 3022 is configured to store the funds on the basis of the allocated proportion value of each target payment mechanism in the funds on the basis of each management level.
Optionally, in some embodiments, the management hierarchy comprises: a database management center level and a database level, the database management center level being higher than the database level, the invoking sub-module 3022 being specifically configured to:
determining a first maximum limit of the reserve payment account of the database tier based on the transfer proportion value;
and transferring the reserve payment in the reserve payment account of the database management center level into the reserve payment account of the database level so as to enable the reserve payment in the reserve payment account of the database level after transfer to reach a first maximum limit.
Optionally, in some embodiments, the management hierarchy further comprises: centralized management platform hierarchy, centralized management platform hierarchy is higher than database management center hierarchy, and calling submodule 3022 is specifically used for:
determining a second maximum limit of the reserve payment account of the database management center level based on the transfer proportion value;
and collecting the reserve payment accounts exceeding the second highest limit in the reserve payment accounts of the database management center hierarchy into the reserve payment accounts of the centralized management platform hierarchy.
Optionally, in some embodiments, the dialing sub-module 3022 is specifically configured to:
and when the reserve payment in the reserve payment account of the database management center level does not reach the second highest limit, the reserve payment is allocated from the reserve payment account of the centralized management platform level.
Optionally, in some embodiments, referring to fig. 4, further comprising:
a receiving module 303, configured to receive a request for a cash-out service;
the allocating module 302 is configured to, when the balance of the reserve payment in the reserve payment account of the target management level requested by the payment service request is insufficient, request allocation of the reserve payment to a reserve payment account of a previous management level of the target management level.
It should be noted that the explanation of the embodiment of the prepaid fee dialing method in the foregoing embodiments of fig. 1 to fig. 2 is also applicable to the prepaid fee dialing apparatus 300 of the embodiment, and the implementation principle is similar, and is not described herein again.
In this embodiment, the management level of each spare payment account is determined, and the spare payment of the target payment mechanism is allocated according to the management level and the preset strategy, so that the spare payment can be allocated under the distributed account system architecture, and the spare payment in each level of account can be effectively adjusted and balanced.
Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present application.
The computer device may be a mobile phone, a tablet computer, etc.
Referring to fig. 5, the computer apparatus 50 of the present embodiment includes: the electronic device comprises a shell 501, a processor 502, a memory 503, a circuit board 504 and a power supply circuit 505, wherein the circuit board 504 is arranged inside a space enclosed by the shell 501, and the processor 502 and the memory 503 are arranged on the circuit board 504; a power supply circuit 505 for supplying power to each circuit or device of the computer apparatus 50; the memory 503 is used to store executable program code; the processor 502 runs a program corresponding to the executable program code by reading the executable program code stored in the memory 503, so as to execute:
determining the management level of each spare payment account;
and according to the management level, allocating the spare payment of the target payment mechanism by combining a preset strategy.
It should be noted that the explanation of the embodiment of the reserve payment allotment method in the foregoing fig. 1-2 is also applicable to the computer device 50 of this embodiment, and the implementation principle is similar, and is not described herein again.
The computer device in this embodiment can implement the allocation and transfer of the reserve payment under the distributed account system architecture by determining the management level of each reserve payment account and allocating the reserve payment of the target payment mechanism according to the management level and by combining a preset policy, thereby effectively adjusting and balancing the reserve payment in each level of accounts.
In order to implement the foregoing embodiments, the present application also proposes a non-transitory computer-readable storage medium, wherein instructions of the storage medium, when executed by a processor of a terminal, enable the terminal to execute a prepaid funds transfer method applied in a clearing platform, in which a plurality of prepaid funds accounts of different management levels are configured for a target payment mechanism, the plurality of prepaid funds accounts storing the prepaid funds of the target payment mechanism, the method comprising:
determining the management level of each spare payment account;
and according to the management level, allocating the spare payment of the target payment mechanism by combining a preset strategy.
The non-transitory computer readable storage medium in this embodiment determines the management level of each spare payment account, and allocates the spare payment of the target payment mechanism according to the management level and in combination with the preset policy, so that the spare payment allocation under the distributed account system architecture can be implemented, and the spare payment in each level of account can be effectively adjusted and balanced.
In order to implement the foregoing embodiment, the present application further provides a computer program product, wherein when instructions in the computer program product are executed by a processor, a payment reserve allocation method is performed, and the method is applied to a clearing platform, in which a plurality of payment reserve accounts of different management levels are configured for a target payment mechanism, and the plurality of payment reserve accounts store the payment reserve of the target payment mechanism, and the method includes:
determining the management level of each spare payment account;
and according to the management level, allocating the spare payment of the target payment mechanism by combining a preset strategy.
The computer program product in this embodiment can implement the allocation of the reserve payment under the distributed account system architecture by determining the management level of each reserve payment account and allocating the reserve payment of the target payment mechanism according to the management level and by combining a preset policy, thereby effectively adjusting and balancing the reserve payment in each level of accounts.
It should be noted that, in the description of the present application, the terms "first", "second", etc. are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In addition, in the description of the present application, "a plurality" means two or more unless otherwise specified.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and the scope of the preferred embodiments of the present application includes other implementations in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.
It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units 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 also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.
Claims (12)
1. A method of preparing funds transfer, the method being performed by a clearing platform, the method comprising:
configuring a distributed payment reserve account system for storing a payment reserve for a target payment mechanism, wherein the distributed payment reserve account system corresponds to a distributed structure of the clearing platform and specifically comprises: the system comprises a prepaid account at the level of a centralized management platform and a prepaid account at the level of a database management center, wherein the level of the centralized management platform is higher than that of the database management center;
if the reserve payment of the reserve payment account of the target database management center level is smaller than the withdrawal amount to be transferred, transferring the withdrawal amount from the reserve payment of the reserve payment account of the centralized management platform level to the reserve payment account of the target database management center level;
if the reserve payment of the reserve payment account of the centralized management platform level is smaller than the withdrawal amount to be called, firstly, the reserve payment accounts of the central level are managed according to the reserve payment of the reserve payment accounts of the central level of each database, the reserve payment accounts of the centralized management platform level are collected, and then the withdrawal amount is called from the reserve payment accounts collected by the reserve payment accounts of the central level of the target database to manage the reserve payment accounts of the central level.
2. The method of claim 1, wherein the distributed pay-as-you-go account hierarchy further comprises: the payment preparation account of the database level is a plurality of discrete virtual sub-accounts; the database management center tier is higher than the database tier;
the method further comprises the following steps:
receiving a payment service request through each virtual sub-account;
if the reserve payment of the target virtual sub-account is smaller than the payment amount indicated by the payment service request, transferring the payment amount from the reserve payment of the reserve payment account of the target database management center level to the target virtual sub-account, and executing the payment operation according to the reserve payment after transferring of the target virtual sub-account.
3. The method of claim 1, wherein the method further comprises:
determining a management level for each of said funds-in-progress accounts;
and according to the management level, allocating the spare payment of the target payment mechanism by combining a preset strategy.
4. The method of claim 3, wherein said allocating the target payment institution's reserve payment in conjunction with a preset policy according to the management hierarchy comprises:
under the condition that the configuration of a distributed spare payment account system of a target payment mechanism is completed, allocating the spare payment of the target payment mechanism;
and/or the presence of a gas in the gas,
and allocating the spare payment of the target payment mechanism according to a preset time period.
5. The method of claim 3, wherein the distributed funds fund system further comprises a database hierarchy of funds fund accounts, and wherein the allocating funds fund for the target payment institution in combination with a predetermined policy according to the management hierarchy comprises:
determining a call proportion value corresponding to each management level; allocating the reserve payment between the reserve payment account of the centralized management platform level, the reserve payment account of the database management center level and the reserve payment account of the database level according to the relation of X, Y, Z;
and storing the reserve payment of the target payment mechanism in the reserve payment accounts of the management levels in a distributed manner according to the corresponding transfer proportion value, so that the reserve payment of the reserve payment accounts of the management levels after transfer reaches the corresponding transfer proportion value, and balancing the reserve payment among the management levels.
6. The method for allocating the reserve payment of claim 5, wherein the step of storing the reserve payment of the target payment institution in the reserve payment accounts of the management levels in a distributed manner according to the corresponding allocation proportion value, so that the reserve payment of the reserve payment accounts of the management levels after allocation reaches the corresponding allocation proportion value comprises the steps of:
and storing the part with the ratio of X/(X + Y + Z) in the reserve payment account of the centralized management platform level, storing the part with the ratio of Y/(X + Y + Z) in the reserve payment account of the database management center level, and storing the part with the ratio of Z/(X + Y + Z) in the reserve payment account of the database level.
7. The method of preparing funds transfer of claim 5, wherein said storing the funds of the target payment institution in the funds transfer accounts of each of the management levels in a distributed manner according to each of the corresponding transfer proportion values comprises:
determining a first maximum limit of the reserve payment account of the database tier based on the dial-up ratio value;
and allocating the reserve payment in the reserve payment account of the database management center level to the reserve payment account of the database level so that the allocated reserve payment in the reserve payment account of the database level reaches the first maximum limit.
8. The method of preparing funds transfer of claim 7, wherein said distributing and storing funds of said target payment institution in funds transfer accounts of each said management level according to each said corresponding transfer proportion value, further comprises:
determining a second maximum limit for the prepaid account at the database management center level based on the dial-up ratio value;
and collecting the reserve payment accounts exceeding the second maximum limit in the reserve payment accounts of the database management center hierarchy into the reserve payment accounts of the centralized management platform hierarchy.
9. The pay-as-you-go allocation method of claim 8, further comprising:
and when the reserve payment in the reserve payment account of the database management center hierarchy does not reach the second maximum limit, allocating the reserve payment from the reserve payment account of the centralized management platform hierarchy.
10. A spare payment fund allocating device, which is applied to a clearing platform and is used for realizing the spare payment fund allocating method of any one of claims 1 to 9.
11. An electronic device, comprising: a processor; and a memory arranged to store computer executable instructions, wherein said executable instructions, when executed, cause said processor to perform the method of preparing funds transfer of any of claims 1 to 9.
12. A computer readable storage medium storing one or more programs which, when executed by an electronic device including a plurality of application programs, cause the electronic device to perform the prepaid fund transfer method of any of claims 1 to 9.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| CN202110983640.9A CN113807944A (en) | 2018-09-07 | 2018-09-07 | Spare payment allocation method and device, electronic equipment and storage medium |
| CN201811043143.5A CN109727117A (en) | 2018-09-07 | 2018-09-07 | Excess reserve allots method, apparatus and storage medium |
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| CN110288478A (en) * | 2019-06-27 | 2019-09-27 | 网联清算有限公司 | For the transaction data processing method and its equipment of payment mechanism |
| CN110458537B (en) * | 2019-07-01 | 2022-08-30 | 网联清算有限公司 | Method and device for processing cash-out transaction |
| CN110428323A (en) * | 2019-07-23 | 2019-11-08 | 网联清算有限公司 | Excess reserve allots method, apparatus and computer equipment |
| CN111105146A (en) * | 2019-12-02 | 2020-05-05 | 网联清算有限公司 | Method, device and equipment for allocating resources to multiple accounts |
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