CN115496581A - Account amount transferring method and device - Google Patents
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- CN115496581A CN115496581A CN202211155530.4A CN202211155530A CN115496581A CN 115496581 A CN115496581 A CN 115496581A CN 202211155530 A CN202211155530 A CN 202211155530A CN 115496581 A CN115496581 A CN 115496581A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses an account amount transferring method and device, and relates to the technical field of financial services. One embodiment of the method comprises: monitoring a target account for an account entry event, and determining whether the target account has a transfer function attribute; responding to the fact that the target account has the transfer function attribute, obtaining account information of the target account, and determining whether the target account meets transfer conditions or not according to the account information; responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, an expenditure amount and an associated account corresponding to the target account according to the attribute information; and transferring the expenditure amount from the target account to the associated account according to the transferring mode. The method and the system can transfer the balance under the target account to the associated account in time, reduce the workload of related personnel and have high efficiency.
Description
Technical Field
The invention belongs to the technical field of financial services, and particularly relates to an account amount transferring method and device.
Background
With the increase of the informatization level of enterprises, many enterprises pay more and more attention to enterprise fund management, and hope to reduce fund cost by improving the use efficiency of enterprise account funds. For example, the balance of the account of the member company is collected to the account of the headquarter in time to reduce the occurrence of sitting, etc. The sitting payment refers to a phenomenon that a company with cash income directly pays cash from the cash of the company.
Currently, each enterprise can only manually inquire the details under each member company account every day, and manually initiate the transfer after manually judging so as to collect the balance under the member company account under the headquarter account in time. This approach is not only labor intensive but also very inefficient.
Disclosure of Invention
In view of this, embodiments of the present invention provide an account amount allocating method and apparatus, which can allocate a balance in a target account to a related account in a timely and flexible manner, reduce workload of related personnel, and have higher efficiency.
In a first aspect, an embodiment of the present invention provides an account amount allocating method, including:
monitoring a target account for an account posting event, and determining whether the target account has a transfer function attribute;
responding to the target account with the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information;
responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and a related account corresponding to the target account according to the attribute information;
and transferring the expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the target account is an account opened by a member company, and the attribute information includes: a company number of the member company;
determining an associated account corresponding to the target account according to the attribute information, wherein the determining comprises:
acquiring organization architecture information corresponding to the member company according to the company number;
determining a headquarter company corresponding to the member company according to the organization architecture information;
and determining the account opened by the headquarters company as the associated account.
Optionally, before transferring the expenditure amount from the target account to the associated account according to the transfer manner, the method further includes:
acquiring a fund transfer limit of the target account for the associated account;
determining whether the payout amount is greater than the funds transfer limit;
and under the condition that the expenditure amount is not larger than the fund transfer limit, executing the step of transferring the expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, after determining whether the payout amount is greater than the fund transfer limit, the method further includes:
updating the expenditure amount to the fund transfer limit if the expenditure amount is greater than the fund transfer limit;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, before transferring the expenditure amount from the target account to the associated account according to the transfer manner, the method further includes:
receiving a payout request for the target account, the payout request comprising: a requested amount of money;
calculating an amount difference between a fund balance in the target account and the requested amount;
determining whether the amount difference is less than the payout amount;
and executing expenditure processing corresponding to the expenditure request in response to the sum not less than the expenditure sum.
Optionally, after determining whether the amount difference is less than the payout amount, the method further comprises:
responding to the sum difference smaller than the expenditure sum, determining a target terminal corresponding to the target account, and sending prompt information aiming at the expenditure request to the target terminal;
receiving return information sent by the target terminal aiming at the prompt information;
and executing expenditure processing corresponding to the expenditure request under the condition that the return information represents and confirms the expenditure request.
Optionally, the transferring the expenditure amount from the target account to the associated account according to the transfer mode includes:
determining whether a balance of funds in the target account is less than the payout amount;
updating the expenditure amount according to the fund balance and a reserve rate if the fund balance is less than the expenditure amount;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the method further comprises:
receiving a transfer function application for the target account;
receiving audit information aiming at the transfer function application;
and responding to the verification information representing that the allocation function application passes verification, and generating attribute information of the allocation function attribute of the target account according to the application information in the allocation function application.
In a second aspect, an embodiment of the present invention provides an account amount allocating device, including:
the attribute determining module is used for monitoring a target account to generate a posting event and determining whether the target account has a transfer function attribute;
the condition determining module is used for responding to the target account with the transfer function attribute, acquiring the account information of the target account and determining whether the target account meets the transfer condition or not according to the account information;
the information determining module is used for responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and a related account corresponding to the target account according to the attribute information;
and the transfer module is used for transferring the expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the target account is an account opened by a member company, and the attribute information includes: a company number of the member company;
the information determination module is specifically configured to:
acquiring organization architecture information corresponding to the member company according to the company number;
determining a headquarter company corresponding to the member company according to the organization architecture information;
and determining the account opened by the headquarters company as the associated account.
Optionally, the method further comprises:
the limit determining module is used for acquiring the fund transfer limit of the target account aiming at the associated account;
determining whether the payout amount is greater than the fund transfer limit;
and under the condition that the expenditure amount is not larger than the fund transfer limit, executing the step of transferring the expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the quota determining module is further configured to:
updating the expenditure amount to the fund transfer limit if the expenditure amount is greater than the fund transfer limit;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
In a third aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.
In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program is executed by a processor to implement the method according to any one of the above embodiments.
In a fifth aspect, an embodiment of the present invention provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the method described in any of the above embodiments.
One embodiment of the above invention has the following advantages or benefits: and monitoring that an account entry event occurs in the target account, and determining a transfer mode, a payment amount and a related account corresponding to the target account according to the attribute information of the transfer function attribute of the target account under the condition that the target account has the transfer function attribute and meets the transfer condition so as to transfer the payment amount from the target account to the related account. The allocation conditions and the allocation mode can be set according to requirements. Therefore, the scheme of the embodiment of the invention can timely and flexibly transfer the balance under the target account to the associated account, reduces the workload of related personnel and has higher efficiency.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic flow chart of an account amount transferring method according to a first embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for transferring an account amount according to a second embodiment of the present invention;
FIG. 3 is a flowchart illustrating a method for transferring an account amount according to a third embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an account amount transferring device according to an embodiment of the present invention;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
Fig. 1 is a schematic flow chart of an account amount transfer method according to a first embodiment of the present invention, as shown in fig. 1, the method includes:
step 101: and monitoring the account entry event of the target account, and determining whether the target account has the transfer function attribute.
The account entry event is an event for transferring the amount of money of the target account, if the amount of money is transferred to the target account, the amount of financing due is transferred to the target account, and the like.
The target account has a transfer function attribute, that is, under the condition that the target account meets the transfer condition, the system automatically transfers all or part of balance in the target account to an associated account of the target account.
In one embodiment of the invention, the method further comprises: receiving a transfer function application aiming at a target account; receiving auditing information aiming at the dialing function application; and responding to the verification information representing that the allocation function application passes verification, and generating attribute information of the allocation function attribute of the target account according to the application information in the allocation function application.
The dial function attribute may be opened based on a user application. And after the user puts forward a transfer function application and the transfer function application passes the audit, determining that the target account has the transfer function attribute. The application information in the transfer function application may include: the transfer condition, the transfer mode, the reservation rate, the associated account and the like, and the application information is determined as the attribute information of the transfer function attribute of the target account, wherein the attribute information can comprise: dialing mode, reservation rate, associated users, etc.
The product of the credit rate and the account balance of the target account is the payout amount. The value of the retention rate is between 0 and 1. When the reservation rate is 0, all balances in the target account are dialed to the associated account.
Step 102: and responding to the target account having the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information.
The account information may include: account user, account balance, account type, etc. The dialing condition can be set according to specific requirements. The dialing condition may be: the account balance is larger than a balance threshold value, the account user is a member company, and the like.
Step 103: and responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and an associated account corresponding to the target account according to the attribute information.
There are many ways to determine the associated account corresponding to the target account. For example, the attribute information of the transfer function attribute of the target account includes the associated account, and the associated account is directly acquired from the attribute information.
In an embodiment of the present invention, the target account is an account opened by a member company, and the attribute information includes: the company number of the member company; determining an associated account corresponding to the target account according to the attribute information, wherein the determining comprises the following steps: acquiring organization architecture information corresponding to member companies according to company numbers; determining a headquarter company corresponding to the member company according to the organization architecture information; and determining the account opened by the headquarters company as the associated account.
When the target account is an account opened by a member company, the organization architecture information corresponding to the member company can be obtained according to the company number or the company name of the member company so as to determine that the member company corresponds to a superior company or a headquarters company, and the account opened by the superior company or the headquarters company is determined as the associated account of the target account.
Step 104: and transferring the expenditure amount from the target account to the associated account according to the transferring mode.
The allocation mode can be set according to specific requirements. The dialing pattern may be in real time, 1 hour later, 0 hour per day, 12 hours per day, the system is in an idle state, etc. And under the condition that the transfer mode is real-time, if the target account meets the transfer condition, immediately transferring the expenditure amount from the target account to the target account. And under the condition that the transfer mode is 1 hour later, if the target account meets the transfer condition, determining the occurrence time of the posting time, and transferring the expenditure amount from the target account to the target account after 1 hour of the occurrence time.
In the embodiment of the invention, the occurrence of an account posting event of a target account is monitored, and under the condition that the target account has a transfer function attribute and meets the transfer condition, a transfer mode, a payment amount and a related account corresponding to the target account are determined according to the attribute information of the transfer function attribute of the target account, so that the payment amount is transferred from the target account to the related account. The allocation conditions and the allocation mode can be set according to requirements. Therefore, the scheme of the embodiment of the invention can timely and flexibly transfer the balance under the target account to the associated account, reduces the workload of related personnel and has higher efficiency.
In one embodiment of the present invention, transferring the expenditure amount from the target account to the associated account in a transfer manner includes: determining whether a fund balance in the target account is less than the expenditure amount; updating the expenditure amount according to the fund balance and the reservation rate under the condition that the fund balance is less than the expenditure amount; and transferring the updated expenditure amount from the target account to the associated account according to the transferring mode.
Where the transfer is not in real time, there may be a time interval between a first time at which the posting event occurs and a second time at which the debit amount is transferred from the target account to the associated account. During this time interval, an amount payout may occur in the target account such that the balance of funds in the target account is less than the payout amount. In this case, the product of the capital balance and the reserve rate is used as a new expenditure amount, and the dial process is completed with the updated expenditure amount.
In the actual operation of the system, the account amount transfer method shown in fig. 1 is usually performed by cooperation of a plurality of systems. In one embodiment of the invention, the core accounting system receives the posting information for the target account. The core accounting pushes the posting information to the cash desk system. The cash center system judges whether the target account signs a signature for a transfer function. If the target account signs the transfer function, the cash center system pushes account-entering information to a real-time transfer task; and if the target account does not have the contract signing and transferring function, the cash center system does not push.
And the real-time transfer task receives the account entry information and inquires out attribute information of the transfer function attribute according to the customer account. And carrying out fund transfer processing according to the attribute information of the transfer function attribute.
Fig. 2 is a schematic flowchart of an account amount allocation method according to a second embodiment of the present invention, and as shown in fig. 2, the method includes:
step 201: and monitoring the account entry event of the target account, and determining whether the target account has a transfer function attribute.
Step 202: and responding to the target account having the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information.
Step 203: and responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and an associated account corresponding to the target account according to the attribute information.
Step 204: and acquiring the fund transfer limit of the target account aiming at the associated account.
To ensure fund security, a fund transfer limit for the target account for the associated account may be set. The fund transfer limit is the maximum amount that the target account can transfer to the associated account once.
Step 205: it is determined whether the amount of the payout is greater than the fund transfer limit.
If the amount of the payout is greater than the fund transfer limit, step 206 is performed. If the amount of the payout is not greater than the funds transfer limit, step 207 is performed.
Step 206: and updating the expenditure amount into the fund transfer limit.
Step 207: and transferring the expenditure amount from the target account to the associated account according to the transferring mode.
In the embodiment of the invention, the fund transfer limit of the target account aiming at the associated account is set, and the expenditure amount is controlled not to be larger than the fund transfer limit by comparing the expenditure amount with the fund transfer limit, so that the safety of funds in the transfer process is ensured.
Fig. 3 is a schematic flowchart of an account amount transferring method according to a third embodiment of the present invention, and as shown in fig. 3, the method includes:
step 301: and monitoring the account entry event of the target account, and determining whether the target account has the transfer function attribute.
Step 302: and responding to the target account having the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information.
Step 303: and responding to the target account meeting the transfer condition, acquiring attribute information of the transfer function attribute of the target account, and determining a transfer mode, a payment amount and an associated account corresponding to the target account according to the attribute information.
Step 304: receiving a expenditure request aiming at a target account, wherein the expenditure request comprises: the requested amount of money.
Where the transfer is not in real time, there may be a time interval between a first time at which the posting event occurs and a second time at which the debit amount is transferred from the target account to the associated account. During this time interval, a payout request for the target account can be received.
Step 305: an amount difference between the balance of the funds in the target account and the requested amount is calculated, and it is determined whether the amount difference is less than the payout amount.
In response to the amount being no less than the payout amount, step 308 is performed. In response to the amount difference being less than the payout amount, step 306 is performed.
Step 306: and determining a target terminal corresponding to the target account, and sending prompt information aiming at the expenditure request to the target terminal.
Step 307: receiving return information sent by the target terminal aiming at the prompt information; it is determined whether the return information is representative of a confirmed payout request.
If the return information characterizes a confirmation payout request, step 308 is performed. And if the return information represents that the expenditure request is not confirmed or the return information is not received within the preset time, the expenditure processing corresponding to the expenditure request is not executed.
Step 308: and executing the expenditure processing corresponding to the expenditure request.
Step 309: and transferring the expenditure amount from the target account to the associated account according to the transferring mode.
In the embodiment of the invention, after a expenditure request aiming at a target account is received, if the sum difference between the fund balance and the request sum is smaller than the expenditure sum, the prompt information aiming at the expenditure request is sent to the target terminal, and the expenditure processing corresponding to the expenditure request is executed under the condition that the return information corresponding to the prompt information represents and confirms the expenditure request, so that the safety of the fund transaction process is better controlled.
Fig. 4 is a schematic structural diagram of an account amount allocation apparatus according to an embodiment of the present invention, and as shown in fig. 4, the apparatus includes:
the attribute determining module 401 is configured to monitor that a target account has an account entry event, and determine whether the target account has a transfer function attribute;
a condition determining module 402, configured to, in response to that the target account has a transfer function attribute, obtain account information of the target account, and determine whether the target account meets a transfer condition according to the account information;
the information determining module 403 is configured to, in response to that the target account meets the allocation condition, obtain attribute information of an allocation function attribute of the target account, and determine, according to the attribute information, an allocation mode, a payment amount, and an associated account corresponding to the target account;
and an allocating module 404, configured to allocate the expenditure amount from the target account to the associated account according to the allocating manner.
Optionally, the target account is an account opened by a member company, and the attribute information includes: a company number of the member company;
the information determining module 403 is specifically configured to:
acquiring organization architecture information corresponding to the member company according to the company number;
determining a headquarter company corresponding to the member company according to the organization architecture information;
and determining the account opened by the headquarters company as the associated account.
Optionally, the method further comprises:
a limit determination module 405, configured to obtain a fund transfer limit of the target account for the associated account;
determining whether the payout amount is greater than the fund transfer limit;
and under the condition that the expenditure amount is not larger than the fund transfer limit, executing the step of transferring the expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the quota determining module 405 is further configured to:
updating the expenditure amount to the fund transfer limit if the expenditure amount is greater than the fund transfer limit;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the method further comprises:
a request processing module 406, configured to receive a payout request for the target account, where the payout request includes: a requested amount of money;
calculating an amount difference between the balance of funds in the target account and the requested amount;
determining whether the amount difference is less than the payout amount;
and executing expenditure processing corresponding to the expenditure request in response to the sum not less than the expenditure sum.
Optionally, the request processing module 406 is further configured to determine, in response to that the amount difference is smaller than the expenditure amount, a target terminal corresponding to the target account, and send prompt information for the expenditure request to the target terminal;
receiving return information sent by the target terminal aiming at the prompt information;
and executing expenditure processing corresponding to the expenditure request under the condition that the return information represents and confirms the expenditure request.
Optionally, the invoking module 404 is specifically configured to:
determining whether a fund balance in the target account is less than the payout amount;
updating the expenditure amount according to the fund balance and a reservation rate when the fund balance is less than the expenditure amount;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
Optionally, the method further comprises:
an application processing module 407, configured to receive a call function application for the target account;
receiving auditing information aiming at the transfer function application;
and responding to the verification information representing that the allocation function application passes verification, and generating attribute information of the allocation function attribute of the target account according to the application information in the allocation function application.
An embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.
Embodiments of the present invention provide a computer program product, including a computer program, which, when executed by a processor, implements an enterprise risk assessment method in embodiments of the present invention.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing embodiments of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU) 501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data necessary for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted on the storage section 508 as necessary.
In particular, according to embodiments of the present disclosure, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: the device comprises an attribute determining module, a condition determining module, an information determining module and a transferring module. The names of these modules do not form a limitation on the module itself in some cases, for example, the attribute determination module may also be described as a module for monitoring a target account for an account posting event and determining whether the target account has a transfer function attribute.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
monitoring a target account for an account posting event, and determining whether the target account has a transfer function attribute;
responding to the target account with the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information;
responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and a related account corresponding to the target account according to the attribute information;
and transferring the expenditure amount from the target account to the associated account according to the transfer mode.
According to the technical scheme of the embodiment of the invention, the occurrence of the posting event of the target account is monitored, and under the condition that the target account has the transfer function attribute and meets the transfer condition, the transfer mode, the expenditure amount and the associated account corresponding to the target account are determined according to the attribute information of the transfer function attribute of the target account, so that the expenditure amount is transferred from the target account to the associated account. The allocation conditions and the allocation mode can be set according to requirements. Therefore, the scheme of the embodiment of the invention can timely and flexibly transfer the balance under the target account to the associated account, reduces the workload of related personnel and has higher efficiency.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (15)
1. An account amount transfer method, comprising:
monitoring a target account for an account entry event, and determining whether the target account has a transfer function attribute;
responding to the target account with the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information;
responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and a related account corresponding to the target account according to the attribute information;
and transferring the expenditure amount from the target account to the associated account according to the transfer mode.
2. The method of claim 1, wherein the target account is an account opened by a member company, and wherein the attribute information comprises: a company number of the member company;
determining an associated account corresponding to the target account according to the attribute information, wherein the determining comprises:
acquiring organization architecture information corresponding to the member company according to the company number;
determining a headquarter company corresponding to the member company according to the organization architecture information;
and determining the account opened by the headquarters company as the associated account.
3. The method of claim 1, wherein prior to transferring the payout amount from the target account to the associated account in the transfer mode, further comprising:
acquiring a fund transfer limit of the target account for the associated account;
determining whether the payout amount is greater than the funds transfer limit;
and under the condition that the expenditure amount is not larger than the fund transfer limit, executing the step of transferring the expenditure amount from the target account to the associated account according to the transfer mode.
4. The method of claim 3, wherein after determining whether the payout amount is greater than the fund transfer limit, further comprising:
updating the expenditure amount to the fund transfer limit when the expenditure amount is greater than the fund transfer limit;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
5. The method of claim 1, wherein prior to transferring the payout amount from the target account to the associated account in the transfer mode, further comprising:
receiving a payout request for the target account, the payout request including: a requested amount of money;
calculating an amount difference between the balance of funds in the target account and the requested amount;
determining whether the amount difference is less than the payout amount;
and executing expenditure processing corresponding to the expenditure request in response to the sum not smaller than the expenditure sum.
6. The method of claim 5, wherein after determining whether the amount difference is less than the payout amount, further comprising:
responding to the sum difference smaller than the expenditure sum, determining a target terminal corresponding to the target account, and sending prompt information aiming at the expenditure request to the target terminal;
receiving return information sent by the target terminal aiming at the prompt information;
and executing the expenditure processing corresponding to the expenditure request under the condition that the return information represents and confirms the expenditure request.
7. The method of claim 1, wherein said transferring said payout amount from said target account to said associated account in said manner of transfer comprises:
determining whether a balance of funds in the target account is less than the payout amount;
updating the expenditure amount according to the fund balance and a reservation rate when the fund balance is less than the expenditure amount;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
8. The method of claim 1, further comprising:
receiving a transfer function application for the target account;
receiving audit information aiming at the transfer function application;
and responding to the verification information representing that the allocation function application passes verification, and generating attribute information of the allocation function attribute of the target account according to the application information in the allocation function application.
9. An account amount transfer device, comprising:
the attribute determining module is used for monitoring a target account for an account entry event and determining whether the target account has a transfer function attribute;
the condition determining module is used for responding to the target account with the transfer function attribute, acquiring account information of the target account, and determining whether the target account meets the transfer condition or not according to the account information;
the information determining module is used for responding to the target account meeting the allocation condition, acquiring attribute information of the allocation function attribute of the target account, and determining an allocation mode, a payment amount and a related account corresponding to the target account according to the attribute information;
and the transfer module is used for transferring the expenditure amount from the target account to the associated account according to the transfer mode.
10. The apparatus of claim 9, wherein the target account is an account opened by a member company, and wherein the attribute information comprises: a company number of the member company;
the information determination module is specifically configured to:
acquiring organization architecture information corresponding to the member company according to the company number;
determining a headquarter company corresponding to the member company according to the organization architecture information;
and determining the account opened by the headquarters company as the associated account.
11. The apparatus of claim 9, further comprising:
the limit determining module is used for acquiring the fund transfer limit of the target account aiming at the associated account;
determining whether the payout amount is greater than the funds transfer limit;
and under the condition that the expenditure amount is not larger than the fund transfer limit, executing the step of transferring the expenditure amount from the target account to the associated account according to the transfer mode.
12. The apparatus of claim 11, wherein the quota determining module is further configured to:
updating the expenditure amount to the fund transfer limit if the expenditure amount is greater than the fund transfer limit;
and transferring the updated expenditure amount from the target account to the associated account according to the transfer mode.
13. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.
14. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-8.
15. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-8 when executed by a processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211155530.4A CN115496581A (en) | 2022-09-22 | 2022-09-22 | Account amount transferring method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211155530.4A CN115496581A (en) | 2022-09-22 | 2022-09-22 | Account amount transferring method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115496581A true CN115496581A (en) | 2022-12-20 |
Family
ID=84471294
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211155530.4A Pending CN115496581A (en) | 2022-09-22 | 2022-09-22 | Account amount transferring method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115496581A (en) |
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2022
- 2022-09-22 CN CN202211155530.4A patent/CN115496581A/en active Pending
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