CN114170024A

CN114170024A - Online fund management method, device, computer equipment and storage medium

Info

Publication number: CN114170024A
Application number: CN202111384588.1A
Authority: CN
Inventors: 刘华南
Original assignee: CMB Yunchuang Information Technology Co Ltd
Current assignee: CMB Yunchuang Information Technology Co Ltd
Priority date: 2021-11-19
Filing date: 2021-11-19
Publication date: 2022-03-11

Abstract

The present application relates to an online fund management method, apparatus, computer device and storage medium. The method comprises the following steps: receiving a transaction request corresponding to the sub-account, wherein the transaction request comprises a transaction amount; if the transaction amount exceeds the current balance of the sub-account, carrying out excess judgment based on the transaction limit of the mother account associated with the sub-account; the sub account and the primary account are fund accounts opened by the same user; and performing fund management on the primary account and the secondary account according to the judgment result. By adopting the method, the transaction behaviors between the sub-account and the main account can be linked, so that the fund management system can be more adaptive to the fund transaction requirements of customers, and the practicability of the fund management system is greatly improved.

Description

Online fund management method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of electronic commerce, and in particular, to an online fund management method, apparatus, computer device, and storage medium.

Background

With the development of computer technology, some financial companies have introduced fund management systems to meet the needs of customers for fund management. Specifically, the customer may introduce a funds management system on the company's internal computer equipment, upon which funds management is based. The fund management system can open a plurality of accounts for a plurality of customers, and the fund pool can build corresponding relations for the specified accounts.

In the actual operation of the fund management system, fund collection can be carried out between the primary account and the secondary account, but the transaction behaviors of the primary account and the secondary account are relatively independent, so that the transaction success rate of a customer is seriously influenced, and the practicability of the fund management system is greatly reduced.

Disclosure of Invention

In view of the above, it is desirable to provide an online fund management method, apparatus, computer device and storage medium capable of improving the practicability of a fund management system.

In a first aspect, there is provided an online fund management method, the method comprising:

receiving a transaction request corresponding to the sub-account, wherein the transaction request comprises a transaction amount;

if the transaction amount exceeds the current balance of the sub-account, carrying out excess judgment based on the transaction limit of the mother account associated with the sub-account; the sub account and the primary account are fund accounts opened by the same user;

and performing fund management on the primary account and the secondary account according to the judgment result.

In one embodiment, the method further comprises the following steps:

determining whether the transaction amount exceeds a transaction limit of the primary account; or, determining whether the excess amount of the sub-account exceeds the transaction limit of the parent account.

In one embodiment, the method further comprises the following steps:

if the transaction amount does not exceed the transaction limit of the primary account, the transaction amount is deducted from the primary account, and the deduction operation of the sub-account is forbidden;

and if the transaction amount exceeds the transaction limit of the primary account, forbidding to execute deduction operation on the primary account and the secondary account.

In one embodiment, the method further comprises the following steps:

if the excess amount does not exceed the transaction limit of the primary account, deducting the basic amount from the secondary account and deducting the excess amount from the primary account; the sum of the base amount and the excess amount equals the transaction amount;

and if the excess amount exceeds the transaction limit of the primary account, forbidding to execute deduction operation on the primary account and the secondary account.

In one embodiment, the method further comprises the following steps:

and after the transaction amount or the excess amount is deducted from the primary account, determining whether a debit-credit relationship exists between the secondary account and the primary account according to the original account of the transaction amount or the excess amount.

In one embodiment, the method further comprises the following steps:

if the original account of the transaction amount or the excess amount is the sub-account, the sub-account and the mother account do not have a debit-credit relationship;

if the primary account of the transaction amount or the excess amount is the primary account, a debit-credit relationship exists between the secondary account and the primary account.

In one embodiment, the method further comprises the following steps:

if the sub-account and the mother account have a debit and credit relationship, determining interest to be paid from the sub-account to the mother account according to a preset debit and credit interest rate and a debit and credit amount between the sub-account and the mother account; the debit amount is the transaction amount or the excess amount.

In one embodiment, the method further comprises the following steps:

creating an account group of the user according to all the primary accounts of the user and all the sub-accounts of each primary account in all the primary accounts; funds transfer is supported between the accounts within the account group.

In one embodiment, the method further comprises the following steps:

receiving an inquiry request of an account group, and responding to the inquiry request to output an inquiry result; the query result includes fund information matching the query request in the fund information of the account group.

In one embodiment, the method further comprises the following steps:

the collection amount between the sub-account and the parent account and the debit amount between the sub-account and the parent account are periodically determined.

In a second aspect, there is provided an online funds management apparatus, the apparatus comprising:

the receiving module is used for receiving a transaction request corresponding to the sub-account, and the transaction request comprises a transaction amount;

the judgment module is used for carrying out excess judgment based on the transaction limit of the primary account associated with the sub-account if the transaction amount exceeds the current balance of the sub-account; the sub account and the primary account are fund accounts opened by the same user;

and the management module is used for carrying out fund management on the primary account and the secondary account according to the judgment result.

In a third aspect, a computer device is provided, the device comprising:

a memory, on which a computer program is stored, and a processor, which, when executing the computer program, implements the steps of the method according to the first aspect and any one of the possible implementation manners of the first aspect.

In a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, which, when being processed by a processor, carries out the steps of the method of the first aspect described above and any one of the possible implementation manners of the first aspect.

The online fund management method, the online fund management device, the computer equipment and the storage medium receive a transaction request corresponding to the sub-account, wherein the transaction request comprises transaction amount; if the transaction amount exceeds the current balance of the sub-account, carrying out excess judgment based on the transaction limit of the mother account associated with the sub-account; the sub account and the primary account are fund accounts opened by the same user; and performing fund management on the primary account and the secondary account according to the judgment result. Therefore, by adopting the management method, if the payment amount of the sub-account exceeds the current balance of the sub-account, whether the payment amount of the sub-account exceeds the payment limit of the mother account is judged, and if not, the excess payment amount of the sub-account can be deducted from the mother account; and if so, not carrying out deduction operation on the primary account and the secondary account. Only fund collection between the child account and the parent account is avoided. Therefore, by adopting the fund management method, the transaction behaviors between the sub-account and the primary account can be linked, so that the fund management system can be more adaptive to the fund transaction requirements of customers, and the practicability of the fund management system is greatly improved.

Drawings

FIG. 1 is a diagram of an application environment of an online fund management method according to an embodiment of the present application;

FIG. 2 is a display interface of an online funds management system provided in an embodiment of the present application;

FIG. 3 is a schematic flow chart of an online fund management method according to an embodiment of the present application;

FIG. 4 is another schematic flow chart of an online fund management method according to an embodiment of the present application;

FIG. 5 is another schematic flow chart of an online fund management method according to an embodiment of the present application;

FIG. 6 is another schematic flow chart of an online fund management method according to an embodiment of the present application;

FIG. 7 is another schematic flow chart of an online fund management method according to an embodiment of the present application;

FIG. 8 is a schematic structural diagram of an online fund management device according to an embodiment of the present application;

fig. 9 is an internal structure diagram of a computer device according to an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The online fund management method provided by the application can be applied to the application environment shown in FIG. 1. Fig. 1 is a diagram of an application environment of an online fund management method according to an embodiment of the present application, where the application environment includes a fund management system display terminal 10 and a server 20. The funds management system display terminal 10 may communicate with the server 20. Specifically, the communication may be performed by wired or wireless means. Wherein the funds management system display terminal 10 may make an inquiry for the amount of money. Specifically, a collection query may be performed, that is, a specific amount value stored in the primary account by the sub-account is queried; the transaction situation between the primary account and the secondary account can be inquired; the specific quota value of the sub-account can be inquired. For example, the fund management system display terminal 10 may be a personal computer, a notebook computer, a mobile phone, or the like. The server 20 may process the amount inquiry request initiated by the fund management system display terminal 10, and obtain the processed transaction current and specific amount value. Illustratively, the server 20 may be, but is not limited to, various personal computers, notebook computers, and the like.

It should be noted that, in the online fund management method provided in the embodiment of the present application, the fund management system display terminal 10 may display an online fund management system display interface provided in the embodiment of the present application as shown in fig. 2 and fig. 2. Its execution subject may be the server 20 shown in fig. 1. In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. It is clear that the described embodiments are a part of the present application. Rather than all embodiments.

Fig. 3 is a flowchart illustrating an online fund management method according to an embodiment of the present application, which is suitable for the server 20 shown in fig. 1. As shown in fig. 3, the method comprises the steps of:

step 301, receiving a transaction request corresponding to the sub-account, where the transaction request includes a transaction amount.

The embodiment of the application provides an online fund management method, when a sub-account pays an amount, the current balance of the sub-account can be judged, and whether a deduction operation needs to be carried out from a primary account or not is determined by judging the numerical value of the paid amount and the current balance of the sub-account, so that the transaction behaviors between the sub-account and the primary account are connected.

In order to realize online fund management, the transaction condition between the sub-account and the main account may be displayed through the fund management system display terminal 10, and fund management is realized based on the transaction condition. The server 20 may thus receive a transaction request corresponding to the sub-account in step 201, where the transaction request includes a transaction amount.

In particular, the sub-account is used to characterize an account that is affiliated with the primary account. For example, the sub-account may be an account of a sub-company of the group company, or may be a sub-card account attached to a main card of a bank card. The transaction request is used to characterize the transfer of the amount in the sub-account. For example, the transaction request may be a payment request, a settlement request, or a clearing request. The transaction amount is used to characterize what amount is transferred during the transaction.

In one possible implementation, when the server 20 may receive a payment request from a corporate company or a subsidiary company, the payment request includes a payment amount.

Step 302, if the transaction amount exceeds the current balance of the sub-account, carrying out excess judgment based on the transaction limit of the mother account associated with the sub-account; the sub account and the primary account are fund accounts opened by the same user.

In particular, the transaction amount is used to characterize what the amount of money transferred during the transaction is. The current balance of the sub-account is used to characterize what the available balance in the sub-account is. The primary account associated with the secondary account is used to characterize that the secondary account can be bound with the primary account. For example, the primary account associated with the sub-account may be an account of a group company, or may be an account of a main card of a bank card. The transaction limit is used to characterize an upper limit value at which the parent account can conduct transactions. The same user can have a plurality of sub accounts and mother accounts, and the sub accounts and the mother accounts can carry out fund exchange. For example, the same user may be the same corporate company, the primary account may be an account of the corporate company, and the secondary account may be an account of the corporate company. But not limited to, a corporate company or a division company for the same user.

In one possible implementation, when the payment amount of the sub-account exceeds the available balance in the sub-account, the comparison with the upper limit value of the payment available for the mother account is required.

And step 303, performing fund management on the primary account and the secondary account according to the judgment result.

Specifically, the judgment result is used for representing whether the payment amount of the sub-account exceeds the upper limit value of the payment available to the parent account. For example, the above determination result may be that the sub-account payment request exceeds the upper limit of the parent account payment, or that the sub-account payment request does not exceed the upper limit of the parent account payment. And the fund management is used for representing the fund transfer relationship between the sub-account and the primary account. For example, the fund management may be a fund transfer between the primary account and the secondary account.

In one possible implementation manner, when the payment amount of the sub-account does not exceed the upper limit value of the payment amount of the mother account, the payment to be paid by the sub-account can be carried out through the mother account.

The receiving of the transaction request corresponding to the sub-account is carried out, wherein the transaction request comprises transaction amount; if the transaction amount exceeds the current balance of the sub-account, carrying out excess judgment based on the transaction limit of the mother account associated with the sub-account; the sub account and the primary account are fund accounts opened by the same user; and performing fund management on the primary account and the secondary account according to the judgment result. Therefore, by adopting the management method, if the payment amount of the sub-account exceeds the current balance of the sub-account, whether the payment amount of the sub-account exceeds the payment limit of the mother account is judged, and if not, the excess payment amount of the sub-account can be deducted from the mother account. Only fund collection between the child account and the parent account is avoided. Therefore, by adopting the fund management method, the transaction behaviors between the sub-account and the primary account can be linked, so that the fund management system can be more adaptive to the fund transaction requirements of customers, and the practicability of the fund management system is greatly improved.

In the foregoing embodiments, a technical solution is described, in which when the transaction amount of the sub-account exceeds the current available balance of the sub-account, and the transaction amount does not exceed the transaction limit of the parent account associated with the sub-account, the transaction amount of the sub-account is deducted from the parent account. In another embodiment of the present application, it may be determined whether the sub-account transaction amount or the overage amount exceeds the parent account transaction limit. For example, the foregoing related over-determination of the transaction limit based on the primary account associated with the secondary account includes:

In particular, the transaction amount is used to characterize what specific amount the sub-account needs to pay in the payment process. The transaction limit of the primary account is used to characterize the upper value of the payment made available to the primary account. The excess amount of the sub-account is used for indicating that the payment amount of the sub-account exceeds the specific amount of the current balance of the sub-account.

In one possible implementation, the payment amount of the sub-account exceeds the upper limit value of the payment available to the parent account.

In one possible implementation manner, the payment amount of the sub-account exceeds the specific amount of the balance of the current account, and the specific amount exceeds the upper limit value of the payment available to the parent account.

In the foregoing embodiments, a technical solution for determining whether the transaction amount of the sub-account or the excess amount exceeds the transaction limit of the main account is introduced. In another embodiment of the present application, the determination of whether to deduct the transaction amount may be based on whether the transaction amount exceeds the transaction limit of the primary account. For example, the specific implementation of "fund management for child and parent accounts according to the determination result" referred to in the foregoing step 303 includes the steps of fig. 4:

step 401, if the transaction amount does not exceed the transaction limit of the primary account, the transaction amount is deducted from the primary account, and the deduction operation of the sub-account is prohibited.

In particular, the transaction amount is used to characterize what specific amount the sub-account needs to pay in the payment process. Illustratively, the transaction amount may be 100 RMB, $ 100, and may be 100 pounds. The embodiments of the present application are not limited to the above transaction amounts. The transaction limit of the primary account is used to characterize an upper limit value that the primary account can make payments, which may include the available balance of the primary account and the overdraft amount of the primary account. For example, the transaction limit of the primary account may be 200 RMB.

In one possible implementation manner, when the transaction amount is 100 yuan and the transaction limit of the primary account is 200 yuan, and the transaction amount is 100 yuan and does not exceed the transaction limit of the primary account by 200 yuan, the transaction amount is deducted from the primary account without performing any deduction operation on the secondary account.

And step 402, if the transaction amount exceeds the transaction limit of the primary account, forbidding to execute deduction operation on the primary account and the secondary account.

In particular, the transaction amount is used to characterize what specific amount the sub-account needs to pay in the payment process. Illustratively, the transaction amount may be 300 RMB, $ 300, or 300 pounds. The embodiments of the present application are not limited to the above transaction amounts. The transaction limit of the primary account is used to characterize an upper limit value that the primary account can make payments, which may include the available balance of the primary account and the overdraft amount of the primary account. For example, the transaction limit of the primary account may be 200 RMB, and the 200 RMB includes 100 RMB of the available balance of the primary account and 100 RMB of the overdraft amount. The embodiments of the present application are not limited herein to the transaction limit of the above-mentioned primary account.

In one possible implementation manner, when the transaction amount is 300 yuan and the transaction limit of the primary account is 200 yuan, if the transaction amount is 300 yuan and exceeds the transaction limit of the primary account by 200 yuan, no deduction operation is performed on the primary account and the secondary account.

In the embodiments described above, a technical solution is introduced that can determine whether to deduct the transaction amount according to whether the transaction amount exceeds the transaction limit of the primary account. In another embodiment of the present application, the determination of whether to deduct the excess amount may be based on whether the excess amount exceeds the transaction limit of the primary account. For example, the specific implementation of "fund management for child and parent accounts according to the determination result" referred to in the foregoing step 303 includes the steps of fig. 5:

step 501, if the excess amount does not exceed the transaction limit of the primary account, deducting the basic amount from the secondary account and deducting the excess amount from the primary account; the sum of the base amount and the excess amount equals the transaction amount.

Specifically, the excess amount is used to characterize a specific amount by which the sub-account payment amount exceeds the parent-account transaction limit. For example, the excess amount may be 100 yuan, the corresponding payment amount of the sub-account may be 300 yuan, and the transaction limit of the primary account may be 200 yuan. The base amount is used to characterize the amount that can be used for payment in the current sub-account. Illustratively, the base amount may be 100 dollars. That is, the sum of the base amount of 200 dollars and the excess amount of 100 dollars is equal to the transaction amount of 300 dollars.

In one possible implementation manner, when the payment amount of the sub-account is 300 yuan, the basic amount which can be used for payment in the sub-account is 100 yuan, and the transaction limit of the mother account is 200 yuan, the excess amount can be determined to be 100 yuan, that is, the difference between the payment amount of the sub-account and the transaction amount of the mother account. The base amount of 100 dollars may be deducted from the sub-account and the remaining 200 dollars to be paid may be deducted from the parent account.

And step 502, if the excess amount exceeds the transaction limit of the primary account, forbidding to execute deduction operation on the primary account and the secondary account.

Specifically, the excess amount is used to characterize a specific amount by which the sub-account payment amount exceeds the parent-account transaction limit. For example, the excess amount may be 300 dollars, the corresponding sub-account payment amount may be 500 dollars, and the transaction limit of the primary account may be 200 dollars.

In one possible implementation manner, when the payment amount of the sub-account is 500 yuan and the transaction limit of the primary account is 200 yuan, the excess amount can be determined to be 300 yuan, that is, the difference between the payment amount of the sub-account and the transaction amount of the primary account, and then the deduction operation is not performed on the primary account and the sub-account.

In the above embodiments, a technical solution is introduced that can determine whether to deduct the excess amount according to whether the excess amount exceeds the transaction limit of the primary account. In another embodiment of the present application, whether a debit relationship exists between the sub-account and the parent account may be determined based on the transaction amount or the primary account for the excess amount. For example, the fund management of the child account and the parent account according to the determination result in the previous step 303 includes:

Specifically, the primary account of the transaction amount or the excess amount deducted from the primary account is used to characterize whether the primary source of the amount is from the primary account or the secondary account. For example, the transaction amount may be deducted from the parent account for 200 dollars, or the excess amount may be deducted from the parent account for 300 dollars.

In a possible implementation manner, when the transaction amount is deducted from the primary account to be 200 yuan, it needs to determine whether the initial source of the transaction amount of 200 yuan is a secondary account or a primary account, so as to determine whether a debit and credit relationship directly exists between the secondary account and the primary account.

In one possible implementation, when the excess amount is deducted from the primary account for 300 yuan, it is determined whether the primary source of the excess amount for 300 yuan is the secondary account or the primary account, so as to determine whether a debit/credit relationship exists between the secondary account and the primary account.

In the embodiments described above, a technical solution for determining whether a debit/credit relationship exists between a sub account and a parent account according to a transaction amount or an excess amount of a primary account is described. In another embodiment of the present application, whether a debit or credit relationship exists between the primary account and the secondary account may be determined based on whether the primary account for the transaction amount or the excess amount is a secondary account or a primary account. For example, the specific implementation of "determining whether a debit relationship exists between a child account and a parent account based on a transaction amount or an excess amount of a primary account" referred to in the preceding steps includes the steps of fig. 6:

step 601, if the primary account of the transaction amount or the excess amount is the sub-account, the sub-account and the primary account do not have a debit-credit relationship.

Specifically, the original account of the transaction amount is used for representing that the transaction amount is deducted from the primary account when the transaction amount exceeds the current balance of the secondary account, and the transaction amount deducted from the primary account may be that the secondary account is collected to the primary account or that the primary account originally exists, that is, that the secondary account is not collected. The original account of the excess amount is used for representing that when the transaction amount exceeds the current balance of the sub-account, the excess amount is deducted from the mother account, and the transaction amount deducted from the mother account may be that the sub-account is collected to the mother account or that the mother account originally exists, namely that the sub-account is not collected. The debit-credit relationship is used for representing that if the original account of the transaction amount deducted from the primary account or the excess amount is the sub-account, the debit-credit relationship does not exist between the sub-account and the primary account.

In one possible implementation, when the transaction amount exceeds the current balance of the sub-account, the transaction amount is deducted from the parent account, and if the transaction amount deducted from the parent account is aggregated from the sub-account to the parent account, a debit-credit relationship exists between the sub-account and the parent account.

Step 602, if the primary account of the transaction amount or the excess amount is the primary account, a debit and credit relationship exists between the secondary account and the primary account.

Specifically, the primary account of the transaction amount is used for representing that when the transaction amount exceeds the current balance of the sub-account, the transaction amount is deducted from the primary account, and the transaction amount deducted from the primary account may be originally stored in the primary account, namely, is not collected by the sub-account. The primary account of the excess amount is used for representing that when the transaction amount exceeds the current balance of the sub-account, the excess amount is deducted from the primary account, and the transaction amount deducted from the primary account may be originally stored in the primary account, namely, is not collected by the sub-account. The debit-credit relationship is used for representing that if the original account of the transaction amount deducted from the primary account or the excess amount is the primary account, the debit-credit relationship does not exist between the sub-account and the primary account.

In one possible implementation, when the transaction amount exceeds the current balance of the sub-account, the transaction amount is deducted from the parent account, and if the transaction amount deducted from the parent account is originally stored in the parent account, namely not collected from the sub-account, a debit/credit relationship exists between the sub-account and the parent account.

In the foregoing embodiments, a technical solution is described that can determine whether a debit/credit relationship exists between a sub account and a primary account according to whether the primary account of the transaction amount or the excess amount is the sub account or the primary account. In another embodiment of the present application, the interest to be paid by the sub-account may be determined based on the interest rate of the loan between the sub-account and the parent account and the amount of the loan. For example, if the primary account of the transaction amount or the excess amount is the primary account, the specific implementation of the debit relationship between the secondary account and the primary account includes:

In particular, the interest rate is used to characterize the ratio of interest to be paid to the amount of the loan over a period of time. Illustratively, the loan rate may be a daily rate, a monthly rate, and an annual rate. The debit amount is used to characterize the amount of money that the child account debits the parent account. For example, the debit amount may be a sub-account transaction amount or a sub-account excess amount. The interest to be paid is used to characterize the product of the loan interest rate and the loan amount over a period of time.

In a possible implementation manner, when the transaction amount of the sub-account exceeds the current balance of the sub-account, the transaction amount of the sub-account or the excess amount of the sub-account is deducted from the primary account, and if the original account of the deducted amount is the primary account, the debit-credit relationship between the sub-account and the primary account is determined. The sub-account pays interest to the primary account according to the preset loan interest rate and the loan amount in a certain period.

In the foregoing embodiments, a technical solution for determining interest to be paid by a sub-account according to a loan interest rate and a loan amount between the sub-account and a parent account is described. In another embodiment of the present application, the account group may be created from child accounts associated with each parent account. For example, the steps involved in fund management of the primary account and the secondary account according to the determination result include:

creating an account group of the user according to all the primary accounts of the user and all the sub-accounts associated with each primary account in all the primary accounts; funds transfer is supported between the accounts within the account group.

Specifically, the user characterizes the party who opens the primary account and the secondary account. Illustratively, the user may be a corporate company. The account group is used for characterizing the fund flow between the sub accounts which the primary account can be associated with. For example, the account group may be a fund pool consisting of a plurality of primary accounts and sub-accounts associated with the primary accounts. The fund flow is used to characterize the source and destination of the fund. For example, the fund flow may be a fund collection or a fund overdraft.

In one possible implementation, a fund pool may be created according to a parent account of a group company and a child account associated with the parent account, the parent account in the fund pool may have fund overdraft with the child account associated therewith, and the child account may have fund collection with the parent account associated therewith.

In the foregoing embodiments, a technical solution is introduced that can create an account group according to a child account associated with a parent account and each parent account. In another embodiment of the present application, the query result may be determined from the query request of the account group. For example, the fund management of the primary account and the secondary account according to the judgment result involved in the previous steps comprises:

In particular, the query request is used to characterize a situation for wanting to query funds within the account group. For example, the query request may query the available balance of the accounts in the account group, query the collected funds of the sub-account to the main account, and query the overdraft funds of the main account. For the above query request, the embodiments of the present application are not limited herein. The query result is used for representing a result corresponding to the query request. For example, the query result may be a result related to the option of collecting funds from the sub-account to the primary account, or may be a result related to the option of overdrawing funds from the primary account. The fund information is used for representing the circulation condition and specific numerical value of various funds. For example, the fund information may be the fund collection of the parent account by the child account and what the specific value of the collected fund is.

In one possible implementation manner, the server 20 may receive a query request initiated by a user to query the collected funds of the primary account from the secondary account, and output a result corresponding to the query request to query the collected funds of the primary account from the secondary account in response to the query request.

In the foregoing embodiments, a technical solution for determining a query result according to a query request of an account group is introduced. In another embodiment of the present application, the collected funds and the lended funds between the child account and the parent account may be determined periodically. For example, the previous steps involved in fund management of a child account and a parent account include:

Specifically, the periodicity is used for representing the end-of-day processing of the child account and the parent account at regular intervals. For example, the periodic time may be one day, one month, or three months. The embodiment of the present application is not limited herein with respect to the above-mentioned periodic time. The collection amount is used for representing the specific value of the funds collected by the sub-account to the primary account at regular intervals, and the loan amount is used for representing the specific value of the funds loaned by the sub-account to the primary account at regular intervals.

In one possible implementation, the specific amount of funds collected by the child account for the primary account may be determined and the specific amount of funds borrowed by the child account for the primary account may be determined at monthly intervals. It is convenient to determine the interest amount according to the loan interest rate.

In the embodiments described above, specific schemes for determining the collected funds and the loaned funds between the sub-account and the primary account according to the periodicity are described. Therefore, by adopting the online fund management method, the transaction behaviors between the sub-account and the primary account can be linked, so that the fund management system can be more adaptive to the fund transaction requirements of customers, and the practicability of the fund management system is greatly improved.

Fig. 7 is another schematic flow chart of the online fund management method according to the embodiment of the present application, specifically executing steps from T1 to T8.

Step T1, start at end of day.

Step T2, performing automatic collection and replenishment (i.e. collecting funds from the sub-account to the primary account as described in the previous embodiment), the specific process is as follows:

and executing the step T9 to judge whether the balance of the sub-user is less than 0, if the balance of the sub-user is less than 0, executing the step T10 to complement, and then executing the step T11 to judge whether the amount of the sub-user on deposit-the amount of the sub-user complement is less than or equal to 0. If yes, executing the step T12 to clear the deposit amount of the sub-account, and increasing the overdraft amount of the sub-account; if not, the sub-account proceeds to step T13 to decrement the credit amount.

If the balance of the sub-household is greater than 0, the step T14 is executed for collection, and then the step T15 is executed for judging whether the balance of the sub-household and the overdraft amount of the sub-household are less than 0. If yes, go to step T16 to reduce the overdraft amount. If not, executing the step T17 to clear the overdraft amount, collecting the rest amount, and increasing the deposit amount of the account.

At step T3, the accumulation of the total amount (i.e. the periodic determination of the aggregation amount and the loan amount as described in the previous embodiment) is performed, i.e. step T18 is performed to increase the total amount per day according to the overdraft amount of the sub-household and the amount saved by the sub-household.

Step T4, execute the step result (i.e. the interest to be paid by the sub-account in the debit/credit relationship between the sub-account and the primary account as described in the previous embodiment), i.e. execute step T19 to calculate the interest result according to the total amount on the day of the result.

And step T5, executing deposit, wherein the specific process is as follows:

and executing a step T20 to judge whether the balance of the user is less than 0, if so, executing a step T21 to automatically pay the money to the mother user according to a legal payment protocol to complement the balance of the mother user, and executing a step T22 to increase the legal payment amount of the mother user.

At step T6, a repayment is performed (i.e. the subaccount has a debit relationship with the subaccount, the subaccount shall pay the transaction amount or the excess amount deducted from the subaccount, and the interest to be paid) as described in the foregoing embodiment), which includes the following steps:

and step T23 is executed to judge whether the balance of the mother user is greater than 0 and whether the legal amount is greater than 0. If yes, step T24 is executed to determine the difference between the balance of the mother house and the legal amount. If yes, executing the step T25 to repay the legal sum, and clearing the legal sum of the mother house; if not, executing step T26 to repay the balance of the mother user. The amount of legal credit of the mother house is reduced.

And step T7, executing backup daily data T27.

And step T8, ending the day.

Fig. 8 is an online fund management device according to an embodiment of the present application, including:

the receiving module 801 is configured to receive a transaction request corresponding to the sub-account, where the transaction request includes a transaction amount.

The judging module 802 is configured to, if the transaction amount exceeds the current balance of the sub-account, perform excess judgment based on the transaction limit of the parent account associated with the sub-account; the sub account and the primary account are fund accounts opened under the same account.

And the management module 803 is used for performing fund management on the primary account and the secondary account according to the judgment result.

In one embodiment, the determining module 802 is configured to determine whether the transaction amount exceeds a transaction amount of the primary account; or, determining whether the excess amount of the sub-account exceeds the transaction limit of the parent account.

In one embodiment, the management module 803 is configured to deduct the transaction amount from the primary account and prohibit the deduction operation from the secondary account if the transaction amount does not exceed the transaction limit of the primary account; and if the transaction amount exceeds the transaction limit of the primary account, forbidding to execute deduction operation on the primary account and the secondary account.

In one embodiment, the management module 803 is configured to deduct the base amount from the sub-account and the excess amount from the parent account if the excess amount does not exceed the transaction limit of the parent account; the sum of the base amount and the excess amount equals the transaction amount; and if the excess amount exceeds the transaction limit of the primary account, forbidding to execute deduction operation on the primary account and the secondary account.

In one embodiment, after the transaction amount or the excess amount is deducted from the primary account, whether a debit/credit relationship exists between the secondary account and the primary account is determined according to the primary account of the transaction amount or the excess amount.

In one embodiment, if the primary account for the transaction amount or the excess amount is a sub-account, the sub-account and the primary account have no debit relationship; if the primary account of the transaction amount or the excess amount is the primary account, a debit-credit relationship exists between the secondary account and the primary account.

In one embodiment, the method is used for determining interest to be paid from the sub-account to the primary account according to a preset borrowing interest rate and a preset borrowing amount between the sub-account and the primary account if a borrowing relationship exists between the sub-account and the primary account; the debit amount is the transaction amount or the excess amount.

In one embodiment, the management module 803 is configured to create an account group of the user according to all the primary accounts of the user and all the sub-accounts associated with each of the primary accounts; funds transfer is supported between the accounts within the account group.

In one embodiment, the system is used for receiving a query request of an account group, and outputting a query result in response to the query request; the query result includes fund information matching the query request in the fund information of the account group.

In one embodiment, the management module 803 is configured to periodically determine the collection amount between the sub-account and the parent account and the debit amount between the sub-account and the parent account.

In one embodiment, a computer device is provided, where the computer device may be a server, and fig. 9 is an internal structure diagram of the computer device provided in the embodiment of the present application. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing the digital contribution data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements an online funds management method.

Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:

if the transaction amount exceeds the current balance of the sub-account, the excess amount of the transaction limit amount of the mother account related to the sub-account is judged; the sub account and the primary account are fund accounts opened by the same user;

In one embodiment, the processor, when executing the computer program, further performs the steps of:

determining whether the transaction amount exceeds a transaction amount of the primary account; or, determining whether the excess amount of the sub-account exceeds the transaction limit of the parent account.

if the excess amount does not exceed the transaction limit of the primary account, deducting the basic amount from the secondary account, and deducting the excess amount from the primary account; the sum of the base amount and the excess amount equals the transaction amount;

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. An online fund management method, the method comprising:

and carrying out fund management on the sub-account and the primary account according to the judgment result.

2. The method of claim 1, wherein the determining an excess based on the transaction limit of the primary account associated with the secondary account comprises:

determining whether the transaction amount exceeds a transaction limit of the primary account; or, determining whether the excess amount of the sub-account exceeds the transaction limit of the primary account.

3. The method according to claim 1, wherein the fund management of the sub-account and the primary account according to the determination result comprises:

if the transaction amount does not exceed the transaction limit of the primary account, deducting the transaction amount from the primary account, and forbidding to execute deduction operation on the secondary account;

4. The method according to claim 1, wherein the fund management of the sub-account and the primary account according to the determination result comprises:

if the excess amount does not exceed the transaction limit of the primary account, deducting a basic amount from the secondary account, and deducting the excess amount from the primary account; the sum of the base amount and the excess amount equals the transaction amount;

5. The method according to claim 3 or 4, characterized in that the method further comprises:

6. The method of claim 5, wherein said determining whether a lending relationship exists between the child account and the parent account based on the primary account for the transaction amount or the excess amount comprises:

if the original account of the transaction amount or the excess amount is the sub-account, the sub-account and the mother account do not have a debit and credit relationship;

and if the original account of the transaction amount or the excess amount is the primary account, the sub-account and the primary account have a debit and credit relationship.

7. The method of claim 6, further comprising:

if the sub-account and the mother account have a loan relationship, determining interest to be paid from the sub-account to the mother account according to a preset loan interest rate and a loan amount between the sub-account and the mother account; the loan amount is the transaction amount or the excess amount.

8. An online funds management apparatus, the apparatus comprising:

and the management module is used for carrying out fund management on the sub-account and the primary account according to the judgment result.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.