CN114970918A - Appointment transfer method and device - Google Patents
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Abstract
The invention provides a reserved transfer method and a reserved transfer device, which can be used in the financial field or other fields. The method comprises the following steps: periodically acquiring account information of a reserved account; transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the reserved transfer rule is preset. The device is used for executing the method. According to the method and the device for transferring accounts by appointment, the complex account transfer service of the client is automatically completed through the account transfer rule by appointment, and the account transfer efficiency is improved.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a method and a device for transferring accounts in an appointment mode.
Background
At present, many customers open bank accounts at banks so as to facilitate the services of collection, transfer, payment and the like.
In the prior art, customers have the condition of regular collection, such as payroll income, house rent income and the like, and also have the condition of transfer on appointed date, such as house credit payment, rent payment and the like. The customer can finish the transfer service through channels such as internet bank, self-service terminal and the like, and for the condition of regular transfer, the transfer service can be finished through handling the appointment transfer service, so that the manual operation of the user is reduced, and the transfer efficiency is improved. However, the current reserved transfer mainly supports fixed-date transfer, and if other forms of transfer exist, manual operation of a user is still needed, so that the efficiency is low.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a reserved transfer method and a reserved transfer device, which can at least partially solve the problems in the prior art.
In a first aspect, the invention provides a reserved transfer method, which comprises the following steps:
periodically acquiring account information of a reserved account;
transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the subscription transfer rule is preset.
Further, the account information includes an account amount; accordingly, the reserve transfer rule includes:
if the account amount is larger than the first preset value, the transfer amount is equal to the product of the account amount and the first percentage;
and if the account amount is less than or equal to the first preset value, the transfer amount is equal to the product of the account amount and the second percentage.
Further, the account information further includes a bank flow of the previous month of the reservation account; accordingly, the reserve transfer rule includes:
counting the expenditure of the reserved account for the last month based on the bank flow of the reserved account for the last month to obtain monthly expenditure amount;
if the monthly expenditure amount is judged to be larger than the product result of the payroll income and the preset percentage, the transfer percentage is equal to the sum of the first percentage and the set value;
the product of the account amount and the transfer percentage is calculated as the transfer amount.
Further, the account information includes a current month and an account amount; accordingly, the reserve transfer rule includes:
if the current month is judged to belong to the preset month, the transfer amount is equal to the product of the account amount and the third percentage;
and if the current month is judged to be not the preset month, the transfer amount is equal to the product of the account amount and the fourth percentage.
Further, the reserved transfer method provided by the embodiment of the invention further comprises the following steps:
and if the transfer amount is judged to be not a multiple of the basic amount, rounding up the transfer amount according to the basic amount and updating the transfer amount.
In a second aspect, the invention provides a reserved transfer apparatus comprising:
the acquisition unit is used for periodically acquiring account information of the reserved account;
the transfer unit is used for transferring accounts to the target account according to the account information and the reserved transfer rule; wherein the subscription transfer rule is preset.
Further, the account information includes an account amount; accordingly, the reserve transfer rule includes:
if the account amount is larger than the first preset value, the transfer amount is equal to the product of the account amount and the first percentage;
and if the account amount is less than or equal to the first preset value, the transfer amount is equal to the product of the account amount and the second percentage.
Further, the account information further includes a bank flow of the previous month of the reservation account; accordingly, the reserve transfer rule includes:
counting the expenditure of the reserved account for the last month based on the bank flow of the reserved account for the last month to obtain monthly expenditure amount;
if the monthly expenditure amount is judged to be larger than the product result of the payroll income and the preset percentage, the transfer percentage is equal to the sum of the first percentage and the set value;
and calculating the product of the account amount and the transfer percentage as the transfer amount.
Further, the account information includes a current month and an account amount; accordingly, the reserved transfer rule includes:
if the current month is judged to belong to the preset month, the transfer amount is equal to the product of the account amount and the third percentage;
and if the current month is judged to be not the preset month, the transfer amount is equal to the product of the account amount and the fourth percentage.
Further, the reserved transfer device provided by the embodiment of the invention further comprises:
and the updating unit is used for rounding up the transfer amount according to the basic amount and updating the transfer amount after judging that the obtained transfer amount is not a multiple of the basic amount.
In a further aspect, the invention provides a computer apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the program implementing the method of reserve transfer according to any of the embodiments described above.
In a further aspect, the invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method of reserve transfer of any of the embodiments described above.
In a further aspect, the invention provides a computer program product comprising a computer program which, when executed by a processor, implements the reserve transfer method of any of the embodiments described above.
The method and the device for transferring the account by appointment can periodically acquire the account information of the account by appointment, transfer the account to the target account according to the account information and the account transferring rule by appointment, automatically complete the complicated account transferring service of the client through the account transferring rule by appointment, and improve the account transferring efficiency.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating a reserve transfer method according to a first embodiment of the present invention.
Fig. 2 is a flowchart illustrating a reserve transfer method according to a second embodiment of the present invention.
Fig. 3 is a schematic view of the construction of a reserve transfer apparatus according to a third embodiment of the present invention.
Fig. 4 is a schematic view of the construction of a reserve transfer apparatus according to a fourth embodiment of the present invention.
Fig. 5 is a schematic physical structure diagram of a computer device according to a fifth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The following describes a specific implementation process of the reserved transfer method provided by the embodiment of the present invention, taking a server as an execution subject. It can be understood that the execution subject of the reserved transfer method provided by the embodiment of the invention comprises but is not limited to a server.
Fig. 1 is a schematic flow chart of a reserved transfer method according to a first embodiment of the present invention, and as shown in fig. 1, the reserved transfer method according to the embodiment of the present invention includes:
s101, periodically acquiring account information of a reserved account;
specifically, the server may periodically obtain account information of a reserved account, where the reserved account is a bank account that a customer transacts a reserved transfer service, and includes but is not limited to a bank card, a bankbook, and the like, and the account information includes but is not limited to information of account amount, bank flow, and the like, and is set according to actual needs, which is not limited in the embodiment of the present invention. The periodicity may be once a month, once a quarter, and the like, and is set according to actual needs, which is not limited in the embodiments of the present invention.
S102, transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the target account is preset.
Specifically, after obtaining the account information, the server transfers the account information from the reserved account to the target account according to the account information and the reserved transfer rule. The target account is a bank account provided by the customer for receiving funds when the customer transacts the reserved transfer service, can be a customer bankbook account, a fixed-term deposit account and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The reserved transfer rule is preset and is set according to actual needs, and the embodiment of the invention is not limited.
The account information of the reserved account can be periodically acquired, the account is transferred to the target account according to the account information and the reserved transfer rule, the complicated transfer service of the customer is automatically completed through the reserved transfer rule, and the transfer efficiency is improved. In addition, manual operation of the client is reduced, service handling of the client is improved, and the client satisfaction is improved.
On the basis of the above embodiments, further, the account information includes an account amount; accordingly, the reserve transfer rule includes:
if the account amount is larger than the first preset value, the transfer amount is equal to the product of the account amount and the first percentage;
and if the account amount is less than or equal to the first preset value, the transfer amount is equal to the product of the account amount and the second percentage.
Specifically, the server may acquire an account amount of the reserved account, compare the account amount with a first preset value, calculate a product of the account amount and the first percentage if the account amount is greater than the first preset value, and use the result of the product as the transfer amount. And when the transfer is carried out to the target account, the transfer amount is transferred. And if the account amount is less than or equal to a first preset value, calculating the product of the account amount and a second percentage, and taking the product result as the transfer amount. And when the transfer is carried out to the target account, the transfer amount is transferred.
The first preset value is set according to actual needs, and the embodiment of the invention is not limited. The first percentage and the second percentage are set according to actual needs, and the embodiment of the invention is not limited. The first percentage may be set to be greater than the second percentage.
For example, customer A transacts a money transfer service for a payroll account and transfers a portion of funds from a work account to a fixed deposit account on a regular 28 th day per month basis. When handling the appointment transfer service, the setting of the appointment transfer rule comprises the following steps: if the account amount is larger than 1 ten-thousand yuan, the transfer amount is equal to the account amount multiplied by 10 percent; if the account amount is less than or equal to 1 ten-thousand yuan, the transfer amount is equal to the account amount multiplied by 6%.
On the basis of the above embodiments, further, the account information includes an account amount and a bank flow of a month previous to the reserved account; accordingly, the reserve transfer rule includes:
counting the expenditure of the previous month of the reservation account based on the bank running water of the previous month of the reservation account to obtain the monthly expenditure amount;
if the monthly expenditure amount is judged to be larger than the product result of the payroll income and the preset percentage, the transfer percentage is equal to the sum of the first percentage and the set value;
and calculating the product of the account amount and the transfer percentage as the transfer amount.
Specifically, the server obtains the account amount of the reservation account and the bank flow of the previous month of the reservation account. The server can count the expenditure of the last month of the reservation account according to the bank flow of the last month of the reservation account, and obtain the monthly expenditure amount, namely how much money is paid out of the last month of the reservation account. The server calculates the product of payroll income and preset percentage to obtain the product result, then compares the monthly payment amount with the product result, if the monthly payment amount is larger than the product result, the result shows that more payment exists in the previous month, the transfer proportion is increased in the current month, the sum of the first percentage and the set value is calculated as the transfer percentage, and then the product of account amount and transfer percentage is calculated as the transfer amount. The preset percentage and the set value are set according to actual needs, and the embodiment of the invention is not limited.
For example, the monthly payment amount of the last month in the commercial categories of clothes ornaments, catering cate and cultural leisure can be counted according to the bank running of the last month on the reservation account, then the monthly payment amount is compared with 50% of the payroll income, if the monthly payment amount is more than 50% of the payroll income, the transfer percentage is equal to the sum of the first percentage and 5%, namely, the transfer percentage is increased on the basis of the first percentage. The expenditure of the merchant categories can be counted through merchant category codes included in the bank flow.
On the basis of the above embodiments, further, the account information includes the current month and the account amount; accordingly, the reserve transfer rule includes:
if the current month is judged to belong to the preset month, the transfer amount is equal to the product of the account amount and the third percentage;
and if the current month is judged to be not the preset month, the transfer amount is equal to the product of the account amount and the fourth percentage.
Specifically, the server acquires the current month and the account amount, then judges whether the current month belongs to the preset month, and calculates the product of the account amount and the third percentage as the transfer amount if the current month belongs to the preset month. If the current month does not belong to the preset month, the product of the account amount and the fourth percentage is calculated as the transfer amount. The preset month is set according to actual needs, and the embodiment of the invention is not limited. The third percentage and the fourth percentage are set according to actual needs, and the embodiment of the invention is not limited.
For example, the third percentage may be set to be greater than the fourth percentage. For example, a third percentage of 15% may be set and a fourth percentage of 10% may be set.
For example, the customer may be rewarded in months 6 and 12, the preset months may be set to months 6 and 12, the third percentage may be set to 15%, the fourth percentage may be set to 10%, and the transfer amount may be increased in the rewarded month.
Fig. 2 is a schematic flow chart of a reserve transfer method according to a second embodiment of the present invention, and as shown in fig. 2, on the basis of the foregoing embodiments, the reserve transfer method according to the embodiment of the present invention further includes:
s103, if the transfer amount is judged to be not a multiple of the basic amount, rounding up the transfer amount according to the basic amount, and updating the transfer amount.
Specifically, after the transfer amount is calculated, the server calculates a remainder of the transfer amount divided by the basic amount, and if the remainder is not zero, the remainder is rounded up to the basic amount, if the transfer amount is not a multiple of the basic amount, the remainder is rounded up to the basic amount, then the result of subtracting the remainder from the transfer amount and adding the basic amount is used as the updated transfer amount after the transfer amount is rounded up according to the basic amount. The basic amount is set according to actual needs, and the embodiment of the invention is not limited.
For example, the base amount is 100, the server calculates the transfer amount 1035, divides the calculated amount 1035 by 100, and divides the remainder 35 by 100, rounds up 35 to 100, and calculates 1035-35+100 as 1100, and takes 1100 as the updated transfer amount.
According to the appointment transfer method provided by the embodiment of the invention, the automatic completion of the complex transfer service of the client is realized through the appointment transfer rule, and convenience is brought to the transaction of the client service. The customer can also realize the aim of automatic money saving through the reserved transfer method provided by the embodiment of the invention, and for a bank, the method is favorable for absorbing deposit.
Fig. 3 is a schematic structural diagram of a reserved transfer apparatus according to a third embodiment of the present invention, and as shown in fig. 3, the reserved transfer apparatus according to the embodiment of the present invention includes an acquisition unit 301 and a transfer unit 302, where:
the acquiring unit 301 is configured to periodically acquire account information of a reserved account; the transfer unit 302 is used for transferring accounts to a target account according to the account information and the appointment transfer rule; wherein the subscription transfer rule is preset.
Specifically, the obtaining unit 301 may periodically obtain account information of a reserved account, where the reserved account is a bank account of a customer transacting a reserved transfer service, and includes but is not limited to a bank card, a bankbook, and the like, and the account information includes but is not limited to information such as account amount, bank flow, and the like, and is set according to actual needs, which is not limited in the embodiment of the present invention. The periodicity may be once a month, once a quarter, and the like, and is set according to actual needs, which is not limited in the embodiments of the present invention.
After obtaining the account information, the transfer unit 302 transfers the account information from the reserved account to the target account according to the account information and the reserved transfer rule. The target account is a bank account provided by the customer for receiving funds when the customer transacts the reserved transfer service, can be a customer bankbook account, a fixed-term deposit account and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The reserved transfer rule is preset and is set according to actual needs, and the embodiment of the invention is not limited.
The reserved transfer device provided by the embodiment of the invention can periodically acquire the account information of the reserved account, transfer the account to the target account according to the account information and the reserved transfer rule, automatically complete the complicated transfer service of the client through the reserved transfer rule, and improve the transfer efficiency. In addition, manual operation of the client is reduced, service handling of the client is improved, and the client satisfaction is improved.
On the basis of the above embodiments, further, the account information includes an account amount; accordingly, the reserve transfer rule includes:
if the account amount is larger than the first preset value, the transfer amount is equal to the product of the account amount and the first percentage;
and if the account amount is less than or equal to the first preset value, the transfer amount is equal to the product of the account amount and the second percentage.
On the basis of the above embodiments, further, the account information further includes a bank flow of a month previous to the reserved account; accordingly, the reserve transfer rule includes:
counting the expenditure of the previous month of the reservation account based on the bank running water of the previous month of the reservation account to obtain the monthly expenditure amount;
if the monthly expenditure amount is judged to be larger than the product result of the payroll income and the preset percentage, the transfer percentage is equal to the sum of the first percentage and the set value;
and calculating the product of the account amount and the transfer percentage as the transfer amount.
On the basis of the above embodiments, further, the account information includes the current month and the account amount; accordingly, the reserve transfer rule includes:
if the current month is judged to belong to the preset month, the transfer amount is equal to the product of the account amount and the third percentage;
and if the current month is judged to be not the preset month, the transfer amount is equal to the product of the account amount and the fourth percentage.
Fig. 4 is a schematic structural diagram of a reserve transfer apparatus according to a fourth embodiment of the present invention, and as shown in fig. 4, on the basis of the above embodiments, the reserve transfer apparatus according to the embodiment of the present invention further includes:
and the updating unit 303 is used for updating the transfer amount after rounding up the transfer amount according to the basic amount after judging that the transfer amount is not a multiple of the basic amount.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above method embodiments.
It should be noted that the method and the device for transferring a subscription account provided by the embodiment of the invention can be used in the financial field and can also be used in any technical field except the financial field, and the application field of the method and the device for transferring a subscription account is not limited by the embodiment of the invention.
Fig. 5 is a schematic physical structure diagram of an electronic device according to a fifth embodiment of the present invention, and as shown in fig. 5, the electronic device may include: a processor (processor)501, a communication Interface (Communications Interface)502, a memory (memory)503, and a communication bus 504, wherein the processor 501, the communication Interface 502, and the memory 503 are configured to communicate with each other via the communication bus 504. The processor 501 may call logic instructions in the memory 503 to perform the following method: periodically acquiring account information of a reserved account; transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the subscription transfer rule is preset.
In addition, the logic instructions in the memory 503 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: periodically acquiring account information of a reserved account; transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the subscription transfer rule is preset.
The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: periodically acquiring account information of a reserved account; transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the reserved transfer rule is preset.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (13)
1. A method of reserve transfer, comprising:
periodically acquiring account information of a reserved account;
transferring accounts to a target account according to the account information and the reserved account transfer rule; wherein the reserved transfer rule is preset.
2. The method of claim 1, wherein the account information includes an account amount; accordingly, the reserved transfer rule includes:
if the account amount is larger than the first preset value, the transfer amount is equal to the product of the account amount and the first percentage;
and if the account amount is less than or equal to the first preset value, the transfer amount is equal to the product of the account amount and the second percentage.
3. The method of claim 2, wherein the account information further includes a bank currency of a month previous to the reserved account; accordingly, the reserve transfer rule includes:
counting the expenditure of the previous month of the reservation account based on the bank running water of the previous month of the reservation account to obtain the monthly expenditure amount;
if the monthly expenditure amount is judged to be larger than the product result of the payroll income and the preset percentage, the transfer percentage is equal to the sum of the first percentage and the set value;
and calculating the product of the account amount and the transfer percentage as the transfer amount.
4. The method of claim 1, wherein the account information includes a current month and an account amount; accordingly, the reserve transfer rule includes:
if the current month is judged to belong to the preset month, the transfer amount is equal to the product of the account amount and the third percentage;
and if the current month is judged to be not the preset month, the transfer amount is equal to the product of the account amount and the fourth percentage.
5. The method of any of claims 2 to 4, further comprising:
and if the transfer amount is judged to be not a multiple of the basic amount, rounding up the transfer amount according to the basic amount and updating the transfer amount.
6. A reserved transfer apparatus comprising:
the acquisition unit is used for periodically acquiring account information of the reserved account;
the transfer unit is used for transferring accounts to the target account according to the account information and the reserved transfer rule; wherein the subscription transfer rule is preset.
7. The apparatus of claim 6, wherein the account information comprises an account amount; accordingly, the reserve transfer rule includes:
if the account amount is larger than the first preset value, the transfer amount is equal to the product of the account amount and the first percentage;
and if the account amount is less than or equal to the first preset value, the transfer amount is equal to the product of the account amount and the second percentage.
8. The apparatus of claim 7, wherein the account information further includes a banking currency of a month previous to the reservation account; accordingly, the reserve transfer rule includes:
counting the expenditure of the previous month of the reservation account based on the bank running water of the previous month of the reservation account to obtain the monthly expenditure amount;
if the monthly expenditure amount is judged to be larger than the product result of the payroll income and the preset percentage, the transfer percentage is equal to the sum of the first percentage and the set value;
and calculating the product of the account amount and the transfer percentage as the transfer amount.
9. The apparatus of claim 6, wherein the account information includes a current month and an account amount; accordingly, the reserved transfer rule includes:
if the current month is judged to belong to the preset month, the transfer amount is equal to the product of the account amount and the third percentage;
and if the current month is judged to be not the preset month, the transfer amount is equal to the product of the account amount and the fourth percentage.
10. The apparatus of any one of claims 7 to 9, further comprising:
and the updating unit is used for rounding up the transfer amount according to the basic amount and updating the transfer amount after judging that the obtained transfer amount is not a multiple of the basic amount.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
13. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 5.
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