CN114219629A - Fund collection method, device, equipment and medium - Google Patents
Fund collection method, device, equipment and medium Download PDFInfo
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- CN114219629A CN114219629A CN202111564791.7A CN202111564791A CN114219629A CN 114219629 A CN114219629 A CN 114219629A CN 202111564791 A CN202111564791 A CN 202111564791A CN 114219629 A CN114219629 A CN 114219629A
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Abstract
The embodiment of the invention discloses a fund collection method, a device, equipment and a medium, wherein the method comprises the following steps: acquiring a tree hierarchy corresponding to the group organization architecture, wherein tree nodes in the tree hierarchy correspond to accounts of all component companies in the group organization architecture; and controlling accounts of all the component companies in the tree hierarchy to be collected to a root account of the tree hierarchy according to the upward collection contract deployed in the tree hierarchy when the upward collection contract is triggered and according to the sequence from the bottom layer to the top layer, wherein the account funds are matched with the upward collection contract. According to the technical scheme, the automatic fund collection model corresponding to the group is built, so that the effective supervision of all accounts of the group can be realized, the automatic allocation and pricing of funds of each unit of the group can be realized, and the fund use efficiency of an enterprise is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of finance, in particular to a fund collection method, device, equipment and medium.
Background
With the improvement of the informatization and operation level of companies and enterprises, more and more large enterprise groups pay more attention to the enhancement of company fund management, and hope that the use efficiency of company account fund can be further improved, so that the fund cost is reduced, and the income is increased.
Currently, fund allocation within a group account can be achieved through fund aggregation; the existing fund collection method generally collects the fund account information of all accounts of a group through the daily final processing of a bank, so that the financial information of each account in the group such as the daily income amount, the daily remittance amount, the occurrence amount and the like is provided for the group in a form of a report, and the financial departments of the group can allocate and settle the fund of the group. However, in the prior art, the fund is not really moved, but only processed in the information flow, and the fund is still on each sub-account in the group, so that the effective control on the fund cannot be formed
Disclosure of Invention
The embodiment of the invention provides a fund collection method, a device, equipment and a medium, which can realize effective supervision on all accounts of a group, can realize automatic allocation and pricing of funds of each unit of the group and improve the fund use efficiency of an enterprise.
In a first aspect, an embodiment of the present invention provides a fund collection method, including:
acquiring a tree hierarchy corresponding to a group organization architecture, wherein tree nodes in the tree hierarchy correspond to accounts of all composition companies in the group organization architecture;
controlling accounts of all component companies in the tree hierarchy to be collected to a root account of the tree hierarchy according to an upward collection contract deployed in the tree hierarchy and according to the sequence from the bottom layer to the top layer when the upward collection contract is triggered.
In a second aspect, an embodiment of the present invention further provides a fund collecting apparatus, including:
a tree hierarchy acquisition module for acquiring a tree hierarchy corresponding to a group organization architecture, wherein tree nodes in the tree hierarchy correspond to accounts of each component company in the group organization architecture;
and the fund collection module is used for controlling accounts of all the component companies in the tree hierarchy to collect the account funds matched with the upward collection contract to the root account of the tree hierarchy according to the upward collection contract deployed in the tree hierarchy when the upward collection contract is triggered and in the sequence from the bottom layer to the top layer.
In a third aspect, an embodiment of the present invention further provides an electronic device, where the electronic device includes:
one or more processors;
a memory for storing one or more computer programs;
the method of fund collection provided by any embodiment of the present invention is implemented when the one or more computer programs are executed by the one or more processors such that the one or more processors execute the computer programs.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the storage medium, and when the computer program is executed by a processor, the computer program implements the fund collection method provided in any embodiment of the present invention.
According to the technical scheme provided by the embodiment of the invention, the tree hierarchical structure corresponding to the group organization architecture is obtained, and the tree nodes in the tree hierarchical structure correspond to accounts of all the component companies in the group organization architecture; and controlling accounts of all the constituent companies in the tree-shaped hierarchical structure to be collected to a root account of the tree-shaped hierarchical structure according to an upward collection contract deployed in the tree-shaped hierarchical structure and the sequence from the bottom layer to the top layer when the upward collection contract is triggered, and realizing effective supervision of all the accounts of a group by building an automatic fund collection model corresponding to the group, automatic allocation and pricing of each unit fund of the group and improvement of fund use efficiency of enterprises.
Drawings
FIG. 1A is a flow chart of a method for fund collection in accordance with one embodiment of the present invention;
fig. 1B is a schematic structural diagram of a group organization architecture according to a first embodiment of the present invention;
FIG. 2A is a flow chart of a fund collection method according to a second embodiment of the present invention;
FIG. 2B is a schematic flow chart of a fund collection method according to a second embodiment of the present invention;
FIG. 2C is a diagram of a fund collection service architecture according to a second embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a fund collection apparatus according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of an electronic device in a fourth embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present invention are shown in the drawings, it should be understood that the present invention may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided for a more thorough and complete understanding of the present invention. It should be understood that the drawings and the embodiments of the present invention are illustrative only and are not intended to limit the scope of the present invention.
It should be understood that the various steps recited in the method embodiments of the present invention may be performed in a different order and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the invention is not limited in this respect.
The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.
It should be noted that the terms "first", "second", and the like in the present invention are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in the present invention are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that reference to "one or more" unless the context clearly dictates otherwise.
The names of messages or information exchanged between devices in the embodiments of the present invention are for illustrative purposes only, and are not intended to limit the scope of the messages or information.
Example one
Fig. 1A is a flowchart of a fund collection method according to an embodiment of the present invention, where the embodiment of the present invention is applicable to a case where funds in accounts of a group are automatically collected by using a tree-shaped hierarchical structure corresponding to a group organization architecture; the method may be performed by a fund collection apparatus in an embodiment of the present invention, and the apparatus may be composed of hardware and/or software, and may be generally integrated in an electronic device, and may typically be integrated in a computer device or a server. As shown in fig. 1A, the method specifically includes the following steps:
and S110, acquiring a tree hierarchical structure corresponding to the group organization architecture.
Wherein, the tree nodes in the tree hierarchy correspond to the accounts of all the component companies in the group organization structure; each component company in the group organization architecture may include a group head company and sub-companies at different levels, and each component company has a corresponding bank account. Alternatively, the group may include enterprises in the fields of energy, finance, or telecommunications. The tree hierarchy may be any tree hierarchy designed according to actual requirements, and for example, the tree hierarchy may be a binary tree or a multi-branch tree.
Taking the group organization structure shown in fig. 1B as an example, a group includes a third-level structure of a head office, a provincial company and a branch company, and there are a plurality of provincial companies; at this time, the tree hierarchy designed according to the group organization architecture is a multi-branch tree with a hierarchy of three. The non-leaf nodes of the multi-branch tree correspond to accounts of all branch companies, the nodes of the middle-level tree correspond to accounts of all provincial companies, and the root nodes correspond to accounts of the main company.
In the embodiment, the tree hierarchy structure can be designed according to the group organization architecture; specifically, each tree node in the tree hierarchy can be associated with a bank account of each component company in the group; for example, the root node of the tree hierarchy corresponds to a bank account of a group head office, and the leaf nodes correspond to bank accounts of respective subsidiary companies under the head office.
And S120, controlling accounts of all the component companies in the tree-shaped hierarchical structure to be collected to a root account of the tree-shaped hierarchical structure according to the upward collection contract deployed in the tree-shaped hierarchical structure and according to the sequence from the bottom layer to the top layer when the upward collection contract is triggered.
The contract of collecting capital from bottom to top signed for the group and the bank shows that the bank provides the service of collecting capital for the group. It should be noted that once the group signs the upward collection contract, the fund collection operation between all accounts of the subsequent group is performed through the contracted bank of the upward collection contract. Alternatively, the upcollector contract may be entered into with a bank by the top-level account of the corporate head office, with all accounts under the corporate default fulfilling the upcollector contract.
In this embodiment, when the contracts are collected upwards for deployment, corresponding contract engines and various parameters (for example, triggering execution conditions of the contracts, maximum or minimum reserved funds of the accounts, and the like) can be established. When the trigger execution condition of the upward collection contract is detected to be met, the contract engine can be called to perform the operation matched with the upward collection contract. The trigger condition of the upward-aggregation contract may be preset according to actual conditions, for example, when the system time reaches a scheduled trigger time (for example, the first monday of each month), or when a trigger instruction sent by the root account is detected, and the like.
It should be noted that, the same upward collection contract is deployed for each account in the tree-shaped hierarchical structure, so that when the upward collection contract is triggered, each account in the tree-shaped hierarchical structure realizes linkage, and further, the effect of upwards collecting account funds layer by layer from the bottom account of each subsidiary company to the top account of the main company in the tree-shaped hierarchical structure is realized.
It will be appreciated that accounts at different locations in the tree hierarchy may need to perform different funds aggregation operations. For example, if an account is the bottommost account of the tree-shaped hierarchical structure (corresponding to one leaf node of the tree-shaped hierarchical structure), when the account triggers execution of the upward collection contract, only funds meeting the upward collection contract in the account need to be collected into the corresponding parent account through a contract signing bank; and if one account is a middle-layer account with a tree-shaped hierarchical structure, the account funds of the account comprise funds imported from each lower-level account and funds stored in the account, and the funds meeting the requirement of the upward-collecting contract in the current account funds need to be imported into the corresponding parent account through the contract signing bank.
Therefore, when it is determined that the upward-aggregation contract of each account is triggered, the node attribute of the tree node corresponding to each account in the tree hierarchy needs to be determined first. The node attributes may include non-leaf nodes or leaf nodes (the lowest nodes of the tree hierarchy), root nodes (the topmost nodes of the tree hierarchy) or non-root nodes, and the like. Then, each account adopts different upward fund collection strategies according to different node attributes corresponding to the tree node where the account is located, so as to finally realize the step-by-step fund collection from the bottommost account to the topmost account (root account).
In the embodiment, by constructing the tree-shaped hierarchical structure corresponding to the group organization architecture and deploying the collection contract in each group account, the fund use efficiency of group customers can be improved, the fund occupation cost is reduced, and the fund income is increased, so that the competitiveness of bank cash management products in the same industry market can be improved.
In an optional implementation manner of this embodiment, controlling accounts of each component company in the tree hierarchy to aggregate account funds matching with the upward aggregation contract to a root account of the tree hierarchy in order from bottom to top when the upward aggregation contract is triggered may include:
controlling each leaf account in the tree-shaped hierarchical structure, and respectively remitting account funds matched with the upward collection contract into a parent account of each leaf account through a signing bank of the upward collection contract; controlling each middle-layer account in the tree-shaped hierarchical structure, and respectively importing all the account funds of the lower-level accounts and the account funds matched with the upward collection contract from the own saved funds into the parent account of each middle-layer account through the contracted bank of the upward collection contract; and controlling the root account in the tree hierarchy structure, and uniformly managing the remitted funds of each subordinate account.
When the upward collection contract of each account is triggered, for each leaf account (the bottommost account) in the tree hierarchy, only the account fund conforming to the upward collection contract needs to be imported into the corresponding parent account; for each middle-layer account in the tree-shaped hierarchical structure, the account funds imported from each lower-level account are collected at first, and the current account total funds are obtained by combining the funds stored in the account funds; further remitting the account funds which accord with the upwards-collecting contract in the account total funds into a corresponding parent account; for the root account, the fund collected by each subordinate account is only needed to be collected, and the upward collection is not needed.
In another optional implementation manner of this embodiment, each leaf account in the tree hierarchy is controlled, and account funds matched with the upward collection contract are respectively remitted into a parent account of each leaf account through a contracted bank of the upward collection contract; controlling each middle-layer account in the tree-shaped hierarchical structure, and importing the account funds matched with the upward collection contract from the remitted funds of all lower-layer accounts and the self-stored funds into the parent account of each middle-layer account through the contracted bank of the upward collection contract, which may include:
controlling each leaf account in the tree-shaped hierarchical structure, and respectively remitting account funds exceeding a preset highest retention balance into a parent account of each leaf account through a signing bank of the upward collection contract; and controlling each middle-layer account in the tree-shaped hierarchical structure, and respectively importing the account funds which exceed the preset highest retention balance from the imported funds of all lower-layer accounts and the self-stored funds into the parent account of each middle-layer account through the signing bank of the upward collection contract.
The predetermined highest retention balance may be set in the upward collection contract, so that each subordinate account collects account funds exceeding the predetermined highest retention amount to a superior account. The autonomy of using funds of the lower-level collection account can be improved by setting certain funds as the reserved funds of each account.
Optionally, when the upmerge contract of each account is triggered, the superior account with the fund of the inferior account remitted into may record and display the information of the transaction opponent. For example, the superior account may directly regard the inferior account as a transaction opponent and register the inferior account information; or, the true source party or the destination party of the fund can be used as a counterparty, and the counterparty information is registered; specifically, when the fund is received, the fund is collected from the account initiator to the lower-level account, and then collected from the lower-level account to the upper-level account, and at this time, the upper-level account can directly regard the account initiator as a transaction opponent.
The advantages of the above arrangement are: by providing the two accounting modes, the transaction opponent can be flexibly registered as an external real fund party and also can be registered as a collection opponent party, so that the higher-level collection account can conveniently check accounts through account details or receipt, and the higher-level account can more visually know the coming and going routes of the fund.
Optionally, while the upward-aggregation contracts are deployed on each account in the tree hierarchy, the downward-aggregation contracts can also be deployed on each account; when the downward collection contract of each account is triggered to be executed, the funds are collected to each subordinate account step by step according to the sequence from the lower layer to the top layer. For example, when there is an account needing external payment, and the current account funds are lower than the external payment amount, the account first requests funds from the corresponding parent account, and if the parent account funds are sufficient, the payment difference funds of the account can be collected downwards to the account; and if the parent account has insufficient funds, triggering the parent account to execute a downward collection contract, continuously requesting funds from an upper-level account thereof, and repeating the process until the payment differential funds required by the account needing external payment are collected downward to the account.
According to the technical scheme provided by the embodiment of the invention, the tree hierarchical structure corresponding to the group organization architecture is obtained, and the tree nodes in the tree hierarchical structure correspond to accounts of all the component companies in the group organization architecture; and controlling accounts of all the constituent companies in the tree-shaped hierarchical structure to be collected to a root account of the tree-shaped hierarchical structure according to an upward collection contract deployed in the tree-shaped hierarchical structure and the sequence from the bottom layer to the top layer when the upward collection contract is triggered, and realizing effective supervision of all the accounts of a group by building an automatic fund collection model corresponding to the group, automatic allocation and pricing of each unit fund of the group and improvement of fund use efficiency of enterprises.
Example two
Fig. 2A is a flowchart of a fund collection method provided in the second embodiment of the present invention, which is a further refinement of the foregoing technical solution, and the technical solution in this embodiment may be combined with one or more of the foregoing implementations. Specifically, referring to fig. 2A, the method specifically includes the following steps:
s210, obtaining a tree hierarchy structure corresponding to the group organization architecture.
Wherein the tree nodes in the tree hierarchy correspond to accounts of each component company within the group organizational structure. In the present embodiment, the highest number of layers, for example, 10 layers, of the tree hierarchy may be set in advance to ensure standardization of the constructed tree hierarchy.
In addition, some common elements may be configured for the company accounts corresponding to each tree node in the tree hierarchy; for example, internal billing periods (including both monthly and quarterly), whether to generate self-billed statements, reconciliation periods (including daily and monthly) and the effective and effective dates of the collection, etc. may be included; the effective date of the fund collection relation is defaulted to the current accounting date, if an appointment effective requirement exists, the effective date can be manually input, and the effective date is larger than or equal to the current accounting date; the appointment effective date can be selected within seven days from the current date of the collection relation setting, and the appointment effective date cannot be modified after being set, and if the appointment effective date needs to be modified, the collection relation needs to be deleted and reset.
The flow of the fund collection method of the embodiment is shown in fig. 2B; firstly, establishing a fund collection service by the highest account of the fund collection, and performing subtree dismantling, modification, deletion and the like according to a group organization architecture; furthermore, the fund collection relationship can be established, and operations such as adding, modifying and deleting the subtrees can be carried out.
Optionally, after the tree-shaped hierarchical structure corresponding to the group organization architecture is obtained, if the group organization architecture sends a change, for example, a branch company is closed or newly added, the corresponding sub-tree may be deleted or added to the tree-shaped hierarchical structure, so that the tree-shaped hierarchical structure corresponds to the group organization architecture in real time, and the expandability of the fund collection model is improved.
And S220, controlling accounts of all the component companies in the tree-shaped hierarchical structure to be collected to a root account of the tree-shaped hierarchical structure according to the upward collection contract deployed in the tree-shaped hierarchical structure and according to the sequence from the bottom layer to the top layer when the upward collection contract is triggered.
And S230, controlling other accounts in the tree hierarchy according to the downward collection contract deployed in the tree hierarchy, and collecting the account funds matched with the downward collection contract to the target sub-account according to the sequence from the bottom layer to the top layer when the target sub-account triggers the downward collection contract.
In this embodiment, still taking the corporate organization architecture shown in fig. 1B as an example, while deploying the upward collection contracts in the corresponding tree hierarchy, the downward collection contracts may be deployed to achieve a bidirectional collection effect of funds, that is, funds in the corporate may be collected upward and downward at the same time. The contract signing and parameter setting of the downward collection contract can be the same as the upward collection contract.
When a target sub-account triggers a downward collection contract, firstly controlling a parent account of the target sub-account, and remitting funds matched with the downward collection contract into the target sub-account; if the account fund of the parent account is less than the fund matched with the downward collection contract, the fund is applied to the upper-level accounts step by step so as to trigger the downward collection contract of each upper-level account; finally, the funds matched with the downward aggregation contract are aggregated to the target sub-account in the order from the bottom layer to the top layer.
It should be noted that the functions of the fund collection model of this embodiment may include, but are not limited to, payment settlement, interest allocation, overdraft management, relationship freezing, balance freezing, reconciliation, branch control management, collection direction management, and reserve amount management.
In an optional implementation manner of this embodiment, when a target sub-account triggers the downward collection contract, controlling each other account in the tree hierarchy to collect account funds matching with the downward collection contract into the target sub-account in order from the bottom layer to the top layer may include:
when the account fund of the target sub-account is smaller than the preset minimum reserved amount and/or smaller than the outward payment fund, controlling the parent account of the target sub-account, and remitting the difference fund of the target sub-account into the target sub-account; if the account fund of the parent account of the target child account is smaller than the preset minimum reserve amount and/or smaller than the differential fund of the target child account, continuing to control the superior account of the parent account, and importing the differential fund of the parent account into the parent account until the account fund of each account in the tree hierarchy structure is not smaller than the preset minimum reserve amount.
And the preset minimum retention amount is used for automatically collecting the difference fund which is less than the preset minimum retention amount from the superior account to the inferior account.
In this embodiment, when the account fund of the target sub-account is smaller than the preset minimum reserved amount or smaller than the external payment fund, at this time, the parent account of the target sub-account is required to collect the differential fund into the target sub-account; if the parent account collects the difference funds into the target child account, the residual funds of the account are lower than the preset minimum reserved amount; or, the parent account funds are directly less than the differential funds; at this time, the parent account triggers the downward collection contract, and the upper-level account is required to be downward collected. Therefore, the process is repeated until the account fund of each account in the tree hierarchy structure is not less than the preset minimum reserved amount.
Optionally, a preset maximum remaining amount and a preset minimum remaining amount may be set in each account at the same time, and when the account fund is between the preset maximum remaining amount and the preset minimum remaining amount, the aggregating operation does not need to be executed; when the account fund is larger than the preset highest reserved amount, performing upward collection; and when the account fund is less than the preset minimum reserved amount, performing downward collection.
The advantages of the above arrangement are: the method can collect the funds of all lower-level accounts into the upper-level account in real time, and can transfer the funds from the upper-level account to the lower-level account step by step in real time when the lower-level accounts have insufficient external payment capacity, so that the unified management of the funds is realized.
It can be understood that the fund collection service deployed in the tree hierarchy does not affect the original deposit and payment functions of each account in the tree hierarchy. In this embodiment, the control manner of each account in the tree hierarchy may include at least one of a general balance, an excess balance, a self balance, a control rating, and a zero balance.
In the system collection and payment mode, the collection account and the superior account pay outwards in a unified mode, each inferior user can apply for the external payment amount to the superior account step by step without considering the income of the inferior user, and if any superior account has balance, the payment can be successful. If the lower account is allowed to pay for money, the lower account can only use the self upper reserved amount as the highest upper limit, and cannot apply for downward collection of funds after the upper reserved amount exceeds the highest upper limit. The over-rated payment means that a certain extra amount is given to the lower-level collection account on the basis of the receiving payment. Self-payment means that the income amount of the account is the highest upper limit and the part of funds on the lower-level account is not included. The control of the rated payment and the excess payment is opposite, and the control is the limit amount which can be paid out by a lower account after a certain amount is recovered on the basis of the collection and the payment. The zero rated payment means that the account is only used for taking the credit balance of the account as the highest payment upper limit, and if the credit balance of the account is insufficient, the payment is stopped.
According to the technical scheme provided by the embodiment of the invention, the upward collection contract and the downward collection contract are deployed in the tree-shaped hierarchical structure simultaneously, so that the upward collection and the downward collection of the fund are realized simultaneously, and the unified management of the group fund can be realized; meanwhile, the preset highest reserved amount and the preset lowest reserved amount are set in each account, so that the fund use autonomy of each branch company is improved and the fund use efficiency is improved while the fund automatic collection is realized.
In an optional implementation manner of this embodiment, the technical solution of this embodiment may further include: when a lower-level account remits account funds into an upper-level account, the upper-level account determines upper deposit interest corresponding to the remitted funds of the lower-level account according to a preset upper deposit interest rate, and remits the upper deposit interest into the lower-level account; when a superior account remits account funds to a subordinate account, the subordinate account determines the lower deposit interest corresponding to the remitted funds of the superior account according to a preset lower deposit interest rate, and remits the lower deposit interest to the superior account.
Wherein, the upper interest rate is the fund interest rate used when the superior account occupies the fund of the inferior account; correspondingly, the lower interest rate is the fund interest rate used when the lower account receives the fund of the upper account. The two interest rates can be completely different, and each account can be set in a self-adaptive mode according to actual conditions.
In this embodiment, for different group situations, a manner of setting different interest rates for the superior and inferior accounts respectively to settle the interest due is provided. Specifically, after the lower-level account collects the account funds upwards into the upper-level account, the upper-level account can calculate the upper deposit interest corresponding to the remitted funds according to the preset upper deposit interest rate, and remit the upper deposit interest into the lower-level account. Correspondingly, when the account funds are collected downwards to the lower-level account by the upper-level account, the lower-level account can calculate the lower deposit interest corresponding to the remitted funds according to the lower deposit interest rate, and remit the lower deposit interest to the corresponding upper-level account.
The advantages of the above arrangement are: by setting the upper interest rate and the lower interest rate, the efficient capital and income distribution between upper and lower levels of the group customers can be realized, and the method has the characteristics of flexibility and convenience.
Alternatively, the collecting behavior of the upper and lower funds and the loan committing behavior between the upper and lower funds can be combined with each other. In general, the fund transfer action between the upper and lower accounts in the group is not considered as a consignment loan, but is only a common group fund transfer action; however, according to specific requirements, a client can define the collecting behavior between upper and lower accounts as the loan delegating behavior between different legal persons by setting the loan delegating behavior or not, so that the purpose similar to a loan method is achieved, and the mutual combination of the collecting and delegating businesses is perfectly realized.
In a specific implementation of this embodiment, the fund collection service architecture is shown in fig. 2C. The method comprises the steps that a collection relation exists between accounts of all levels with a fund collection service contract, and a collection relation does not exist between accounts of the same level. It should be noted that, the account associated with the fund collection service contract is signed with the current deposit contract with the bank at the same time, and can obtain the corresponding current interest.
In the fund collection and collection stage, an external account collects funds to a certain sub-account in a collection tree (tree-shaped hierarchical structure), and the balance of a lower-level account credit is increased. Since the fund is regarded as the fund of the source of the sub-account, the balance of the sub-account is increased, and the fund is gradually collected upwards. Specifically, whether the lower-level account needs to be collected is judged according to the highest remaining balance and the lowest remaining balance of the lower-level account, if so, the credit balance of the lower-level account is reduced (fund is transferred out), and the corresponding upper remaining balance is increased. For higher accounts, their credit balance is increased (funds are remitted) and lower summary balances are increased, in turn, up to the highest account.
And in the fund payment collection stage, a lower-level account exists for external payment. At this time, firstly, judging whether the balance of the lender is enough, if so, paying externally, if not, checking a supporting and controlling mode of a lower-level account, calculating the difference between the payment amount and the balance under the control of the supporting and controlling mode, and if the condition of downward collection is met, triggering downward collection. In the current situation, the credit balance of the superior account is reduced (fund transfer), and the corresponding subordinate summary balance is reduced; for the lower-level collection account, the credit balance is increased (fund is imported), and the upper balance is decreased; for the lower account paid out externally, the credit balance is decreased (fund paid out externally), and the balance of the account is decreased.
Wherein, the credit balance represents the account balance of the collection account and can be used for external payment; the self balance represents the balance generated by a certain collection account for receiving and paying the foreign account independently, and does not include the balance collected from a lower-level account; the upper reserve balance represents the balance generated by the upward collection of a certain collection account; the lower level totals the upper balance, which indicates the balance of a certain collection account from the collection of the lower level account, i.e., the balance from the collection of the lower level account.
In this embodiment, the logical relationship of the balances may be represented as: the balance of the account is the balance of the account credit and the balance of the self-saving; the balance of the current-level account is the self-balance of the upper-level account and the balance of the lower-level account is collected; the balance of the lender and the balance of the current-level account are the balance of the account and the balance of the next-level account; and the lower-level accounts sum the balance of the upper storage as the balance of the upper storage of each lower-level account.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a fund collection apparatus according to a third embodiment of the present invention. As shown in fig. 3, the apparatus includes: a tree hierarchy acquisition module 310 and a funds aggregation module 320. Wherein the content of the first and second substances,
a tree hierarchy obtaining module 310, configured to obtain a tree hierarchy corresponding to the group organization architecture; tree nodes in the tree hierarchy correspond to accounts of each component company in the group organization architecture;
and the fund collecting module 320 is used for controlling accounts of all the component companies in the tree hierarchy to collect the account funds matched with the upward collection contracts to the root account of the tree hierarchy in the sequence from the bottom layer to the top layer when the upward collection contracts are triggered according to the upward collection contracts deployed in the tree hierarchy.
According to the technical scheme provided by the embodiment of the invention, the tree hierarchical structure corresponding to the group organization architecture is obtained, and the tree nodes in the tree hierarchical structure correspond to accounts of all the component companies in the group organization architecture; and controlling accounts of all the constituent companies in the tree-shaped hierarchical structure to be collected to a root account of the tree-shaped hierarchical structure according to an upward collection contract deployed in the tree-shaped hierarchical structure and the sequence from the bottom layer to the top layer when the upward collection contract is triggered, and realizing effective supervision of all the accounts of a group by building an automatic fund collection model corresponding to the group, automatic allocation and pricing of each unit fund of the group and improvement of fund use efficiency of enterprises.
Optionally, on the basis of the foregoing technical solution, the fund aggregation module 320 includes:
a leaf account control unit, configured to control each leaf account in the tree hierarchy, and separately remit account funds matched with the upward collection contract into a parent account of each leaf account through a contracted bank of the upward collection contract;
the middle-layer account control unit is used for controlling each middle-layer account in the tree-shaped hierarchical structure, and remitting all lower-level accounts and account funds matched with the upward collection contract in the self-stored funds, and remitting the account funds into a parent account of each middle-layer account through a signing bank of the upward collection contract;
and the root account control unit is used for controlling the root accounts in the tree hierarchy structure and uniformly managing the remitted funds of all the subordinate accounts.
Optionally, on the basis of the above technical solution, the leaf account control unit is specifically configured to control each leaf account in the tree-shaped hierarchical structure, and remit an account fund exceeding a preset highest retention balance into a parent account of each leaf account through the contracted bank of the upward collection contract;
and the middle-layer account control unit is specifically used for controlling each middle-layer account in the tree-shaped hierarchical structure, and remitting funds of all lower-level accounts and account funds exceeding a preset highest retention balance in the self-stored funds, and remitting the account funds into a parent account of each middle-layer account through a signing bank of the upward-collecting contract.
Optionally, on the basis of the above technical solution, the fund collecting device further includes:
and the fund downward collection module is used for controlling other accounts in the tree hierarchy structure according to the downward collection contract deployed in the tree hierarchy structure when the target sub-account triggers the downward collection contract, and collecting the account fund matched with the downward collection contract to the target sub-account according to the sequence from the bottom layer to the top layer.
Optionally, on the basis of the above technical solution, the fund downward collection module includes:
the first difference fund remittance unit is used for controlling the parent account of the target sub-account and remitting the difference fund of the target sub-account into the target sub-account when the account fund of the target sub-account is smaller than the preset minimum reserved amount and/or smaller than the outward payment fund;
and the second difference fund remitting unit is used for continuously controlling a superior account of the parent account and remitting the difference fund of the parent account into the parent account if the account fund of the parent account of the target child account is smaller than the preset minimum reserved amount and/or smaller than the difference fund of the target child account until the account fund of each account in the tree hierarchy structure is not smaller than the preset minimum reserved amount.
Optionally, on the basis of the above technical solution, the fund collecting device further includes:
the upper deposit interest determining unit is used for determining the upper deposit interest corresponding to the remitted fund of the lower account according to a preset upper deposit interest rate by the upper account when the lower account remits the account fund into the upper account, and remitting the upper deposit interest into the lower account;
and the lower deposit interest determining unit is used for determining the lower deposit interest corresponding to the remitted fund of the superior account according to a preset lower deposit interest rate by the subordinate account when the superior account remits the account fund into the subordinate account, and remitting the lower deposit interest into the superior account.
Optionally, on the basis of the above technical solution, the supporting and controlling manner of each account in the tree hierarchy includes at least one of collecting and collecting, collecting and rating, excess rating, self-rating, controlling and rating, and zero rating.
The device can execute the fund collection method provided by the embodiment of the invention, and has corresponding functional modules and beneficial effects for executing the method. For technical details that are not described in detail in the embodiments of the present invention, reference may be made to the fund collection method provided in the foregoing embodiments of the present invention.
Example four
Fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention, as shown in fig. 4, the electronic device includes a processor 410, a memory 420, an input device 430, and an output device 440; the number of the processors 410 in the electronic device may be one or more, and one processor 410 is taken as an example in fig. 4; the processor 410, the memory 420, the input device 430 and the output device 440 in the electronic apparatus may be connected by a bus or other means, and the bus connection is exemplified in fig. 4. The memory 420 serves as a computer-readable storage medium for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to a fund collection method according to any embodiment of the present invention (e.g., the tree hierarchy acquisition module 310 and the fund collection module 320 in a fund collection device). The processor 410 executes various functional applications and data processing of the electronic device by executing software programs, instructions and modules stored in the memory 420, namely, implementing one of the fund collection methods described above. That is, the program when executed by the processor implements:
acquiring a tree hierarchical structure corresponding to a group organization architecture; tree nodes in the tree hierarchy correspond to accounts of each component company in the group organization architecture;
controlling accounts of all component companies in the tree hierarchy to be collected to a root account of the tree hierarchy according to an upward collection contract deployed in the tree hierarchy and according to the sequence from the bottom layer to the top layer when the upward collection contract is triggered.
The memory 420 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 420 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, memory 420 may further include memory located remotely from processor 410, which may be connected to an electronic device over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 430 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic apparatus, and may include a keyboard, a mouse, and the like. The output device 440 may include a display device such as a display screen.
Optionally, the electronic device may be a server, and the server may be an independent server, or may be a cloud server that provides basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a Network service, cloud communication, middleware service, a domain name service, a security service, a Content Delivery Network (CDN), a big data and artificial intelligence platform, and the like.
EXAMPLE five
Fifth, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method according to any embodiment of the present invention. Of course, the embodiment of the present invention provides a computer-readable storage medium, which can perform related operations in a fund collection method provided in any embodiment of the present invention. That is, the program when executed by the processor implements:
acquiring a tree hierarchical structure corresponding to a group organization architecture; tree nodes in the tree hierarchy correspond to accounts of each component company in the group organization architecture;
controlling accounts of all component companies in the tree hierarchy to be collected to a root account of the tree hierarchy according to an upward collection contract deployed in the tree hierarchy and according to the sequence from the bottom layer to the top layer when the upward collection contract is triggered.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes instructions for enabling an electronic device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the embodiment of the fund collection device, the included units and modules are only divided according to the functional logic, but are not limited to the above division as long as the corresponding functions can be realized; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method of fund collection, comprising:
acquiring a tree hierarchy corresponding to a group organization architecture, wherein tree nodes in the tree hierarchy correspond to accounts of all composition companies in the group organization architecture;
controlling accounts of all component companies in the tree hierarchy to be collected to a root account of the tree hierarchy according to an upward collection contract deployed in the tree hierarchy and according to the sequence from the bottom layer to the top layer when the upward collection contract is triggered.
2. The method of claim 1, wherein controlling accounts of constituent companies in the tree hierarchy to aggregate account funds matching the upcollection contract to a root account of the tree hierarchy in order from bottom to top when the upcollection contract is triggered comprises:
controlling each leaf account in the tree-shaped hierarchical structure, and respectively remitting account funds matched with the upward collection contract into a parent account of each leaf account through a signing bank of the upward collection contract;
controlling each middle-layer account in the tree-shaped hierarchical structure, and respectively importing all the account funds of the lower-level accounts and the account funds matched with the upward collection contract from the own saved funds into the parent account of each middle-layer account through the contracted bank of the upward collection contract;
and controlling the root account in the tree hierarchy structure, and uniformly managing the remitted funds of each subordinate account.
3. The method of claim 2, wherein each leaf account in the tree hierarchy is controlled to remit account funds matching the upmerge contract into a parent account of each leaf account through a contracted bank of the upmerge contract; controlling each middle-layer account in the tree-shaped hierarchical structure, and respectively importing all the account funds of the lower-level accounts and the account funds matched with the upward collection contract from the own saved funds into the parent account of each middle-layer account through the contracted bank of the upward collection contract, wherein the steps of:
controlling each leaf account in the tree-shaped hierarchical structure, and respectively remitting account funds exceeding a preset highest retention balance into a parent account of each leaf account through a signing bank of the upward collection contract;
and controlling each middle-layer account in the tree-shaped hierarchical structure, and respectively importing the account funds which exceed the preset highest retention balance from the imported funds of all lower-layer accounts and the self-stored funds into the parent account of each middle-layer account through the signing bank of the upward collection contract.
4. The method of claim 1, further comprising:
and controlling other accounts in the tree hierarchy according to a downward collection contract deployed in the tree hierarchy, and collecting account funds matched with the downward collection contract to the target sub-account according to the sequence from the bottom layer to the top layer when the target sub-account triggers the downward collection contract.
5. The method of claim 4, wherein controlling each other account in the tree hierarchy to aggregate account funds matching the downed collection contract to the target sub-account in order from bottom to top when the target sub-account triggers the downed collection contract comprises:
when the account fund of the target sub-account is smaller than the preset minimum reserved amount and/or smaller than the outward payment fund, controlling the parent account of the target sub-account, and remitting the difference fund of the target sub-account into the target sub-account;
if the account fund of the parent account of the target child account is smaller than the preset minimum reserve amount and/or smaller than the differential fund of the target child account, continuing to control the superior account of the parent account, and importing the differential fund of the parent account into the parent account until the account fund of each account in the tree hierarchy structure is not smaller than the preset minimum reserve amount.
6. The method of claim 1 or 4, further comprising:
when a lower-level account remits account funds into an upper-level account, the upper-level account determines upper deposit interest corresponding to the remitted funds of the lower-level account according to a preset upper deposit interest rate, and remits the upper deposit interest into the lower-level account;
when a superior account remits account funds to a subordinate account, the subordinate account determines the lower deposit interest corresponding to the remitted funds of the superior account according to a preset lower deposit interest rate, and remits the lower deposit interest to the superior account.
7. The method according to any of claims 1-6, wherein the governing of each account in the tree hierarchy comprises at least one of collecting balance, overbooking, self-balancing, governing balance, and zero-balancing.
8. A funds aggregation device, comprising:
a tree hierarchy acquisition module for acquiring a tree hierarchy corresponding to a group organization architecture, wherein tree nodes in the tree hierarchy correspond to accounts of each component company in the group organization architecture;
and the fund collection module is used for controlling accounts of all the component companies in the tree hierarchy to collect the account funds matched with the upward collection contract to the root account of the tree hierarchy according to the upward collection contract deployed in the tree hierarchy when the upward collection contract is triggered and in the sequence from the bottom layer to the top layer.
9. An electronic device, comprising:
one or more processors;
a memory for storing one or more computer programs;
the method of any one of claims 1-7 when executed by the one or more computer programs to cause the one or more processors to execute the computer programs.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method for funds aggregation according to any one of claims 1-7.
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| CN202111564791.7A CN114219629A (en) | 2021-12-20 | 2021-12-20 | Fund collection method, device, equipment and medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115797088A (en) * | 2022-11-04 | 2023-03-14 | 中电金信软件有限公司 | User account transfer method and device, electronic equipment and readable storage medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115797088A (en) * | 2022-11-04 | 2023-03-14 | 中电金信软件有限公司 | User account transfer method and device, electronic equipment and readable storage medium |
| CN115797088B (en) * | 2022-11-04 | 2024-01-19 | 中电金信软件有限公司 | User transfer method and device, electronic equipment and readable storage medium |
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