CN115601134A - Balance calculation method and device - Google Patents

Abstract

The invention discloses a balance calculation method and a balance calculation device, which relate to big data, wherein the method comprises the following steps: determining a payment scene of balance after payment transaction needing to be calculated; selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, wherein the scene model sets available funds on an account according to the payment transaction requirement and according to the type of the available funds, the payment mode under the type and the payment sequence of each payment mode, and performs payment calculation according to the setting after scene parameters are input, and the scene parameters are parameters for identifying the available funds, the type of the available funds and the payment mode; after the scene parameters are input, the balance after the payment transaction is calculated according to the setting of the scene model. The invention can provide consistent balance calculation with high parameterization and adaptability to various special scenes, can improve the delivery speed and reduce the development difficulty and risk.

Description

Balance calculation method and device

Technical Field

The invention relates to the technical field of big data, in particular to a balance calculation method and device.

Background

Payment settlement has broad and narrow meaning. The payment and settlement in the narrow sense refers to the actions of units and individuals in social and economic activities of paying money and clearing funds by using the settlement modes of bills (including checks, home tickets and money orders), bank cards, remittance, collection and consignment and the like, and the main function of the payment and settlement is to complete the transfer of funds from one party to the other party.

Payment settlement in a broad sense includes cash settlement and bank transfer settlement. Payment settlement is a critical action with certain legal characteristics.

For accounts in a bank system, the payment settlement function of the account is basic service provided by a bank to a customer, each characteristic function developed by the bank on the account is required to provide different funds and limits for controlling the account to be available under different payment settlement scenes, and meanwhile, account supervision and account management have certain constraint limits on the fund use of the account, so that different scenes are required to provide different services for various limits, funds and services of a specified account.

The account balance calculation function is very commonly used, a bank provides various financial services for customers, the customers settle various scene requirements and constantly change supervision, and the requirement on the change of the account balance calculation rule is more and more frequent.

Available balance calculation is a calculation method for writing available funds of the user in each scene, a unified calculation mode is not provided, or the unified calculation mode is provided, common calculation is provided, funds which can be controlled by compensation funds and financing tools cannot be provided, partially limited exemption scenes use codes to be directly written, and the possibility of introducing risks due to better readability and maintainability cannot be provided.

Therefore, the prior art is not enough in that no technical scheme can provide the client with the balance inquiry under a specific scene.

Disclosure of Invention

The embodiment of the invention provides a balance calculation method, which is used for solving the problem that no technical scheme can provide balance inquiry under a specific scene for a client, and comprises the following steps:

determining a payment scene of balance after payment transaction needs to be calculated;

selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, wherein the scene model sets available funds on an account according to the payment transaction requirement and according to the type of the available funds, the payment mode under the type and the payment sequence of each payment mode, and performs payment calculation according to the setting after scene parameters are input, and the scene parameters are parameters for identifying the available funds, the type of the available funds and the payment mode;

after the scene parameters are input, the balance after the payment transaction is calculated according to the setting of the scene model.

The embodiment of the present invention further provides a balance calculating device, which is used to solve the problem that no technical scheme can provide balance inquiry for a customer in a specific scene, and the device includes:

the payment module is used for determining a payment scene of balance after payment transaction needs to be calculated;

the system comprises a scene module, a payment module and a payment module, wherein the scene module is used for selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, setting available funds on an account according to the type of the available funds, the payment mode under the type and the payment sequence of each payment mode according to the payment transaction requirement, and performing payment calculation according to the setting after scene parameters are input, wherein the scene parameters are parameters for identifying the available funds, the type of the available funds and the payment mode;

and the balance module is used for setting and calculating the balance after the payment transaction according to the scene model after the scene parameters are input.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the balance calculation method.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the balance calculation method.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for calculating a balance is implemented.

In the embodiment of the invention, compared with the technical scheme that no technical scheme in the prior art can provide balance inquiry under a specific scene for a client, the payment mode under the type is determined and the limit corresponding to the type is graded through classifying the fund of the account, the fund and the limit of all types are correlated in the scene, the visible or not and the priority of use are shown, and the correlation relation in calculation is expressed in a layering way.

Furthermore, based on a highly parameterized scene model, most scenes are set without development, and configuration parameters can be realized, so that the cost is saved and the delivery speed is increased; even if part of elements are changed, because the relevant factors are fully considered and reasonable levels are divided, the relevant influence is inevitably considered when elements of a certain dimension are newly added or adjusted, and software design can be carried out by referring to the similar factors, so that the delivery speed can be improved, and the development difficulty and risk can be reduced.

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 schematic diagram of a flow chart of a balance calculating method in an embodiment of the present invention;

FIG. 2 is a diagram illustrating a balance calculating architecture according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of an implementation flow of balance calculation in the embodiment of the present invention;

FIG. 4 is a schematic structural diagram of a balance calculating device according to an embodiment of the present invention;

FIG. 5 is a diagram of a computer device according to an 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.

The inventor notices in the process of invention that:

for accounts in a bank system, the payment settlement function of the account is basic service provided by a bank to a customer, each characteristic function developed by the bank on the account is required to provide different funds and limits for controlling the account to be available under different payment settlement scenes, and meanwhile, account supervision and account management have certain constraint limits on the fund use of the account, so that different scenes are required to provide different services for various limits, funds and services of a specified account. How to accurately provide the client with the fund scale query which can be allocated under a specific scene becomes a problem which needs to be solved urgently.

By way of example, the funds available to an account may be grouped into the following categories:

1. account owned funds (universal funds): the client can freely control without any fund of business background;

2. account specific use funds (specific funds): the account has funds with a specific business context, and special restrictions are provided for the purpose. For example, the consumption loan fund issued by a bank, the supervision department requires that the consumption is only used for investment financing and real estate buying and selling; for example, in order to facilitate investment of certain customers, the invested special capital can only be used for purchasing financing products after being remitted, and then remitted after closed-loop management;

3. other account funds account-transferrable (transfer-adjustable funds): the customer and the bank are regulated by an agreement, and funds of other accounts can be allocated under certain conditions. For example: when the balance of the account A is insufficient, funds with required amount can be automatically transferred from the account B, and the protocol accumulation upper limit is 50 ten thousand yuan; if the balance of the account A is insufficient, a plurality of related regular accounts can be automatically settled to support the external payment; if the balance of the account A is insufficient, the financial products can be triggered to be redeemed in real time to support the external payment;

4. funds that an account can allocate through a financing agreement or instrument (financing funds): the customer and the bank are regulated through an agreement, and a financing agreement or a tool can be used for providing an additional payment amount for the account under certain conditions. For example: when the balance of the account A is insufficient, the function of loan issuing can be automatically triggered, the amount of issued money is determined according to the requirements of places, the sum is not more than 20 ten thousand, and if a customer uses the account A, the customer needs to pay loan interest;

the use of account funds is limited by the following categories:

1. account limiting: the freezing of the account, the regulated blacklists, the regulated grey lists and the like can influence the fund use and the services on the account, wherein the effectiveness of the account freezing is different according to different sources, for example, the effectiveness of the freezing of an authorized organ is stronger than the effectiveness of the loss-reporting freezing, the account can be used in the situations of credit card repayment, loan repayment and the like under the condition of the loss-reporting freezing, and the financing services can not be controlled under the condition of the freezing.

2. Partial capital limit: the limit on the designated funds may, for example, be limited with respect to the designated funds, with the remainder not affecting customer use. For example, 100 ten thousand of client deposits exist in the account A, and 80 ten thousand of the deposits can be controlled to remain after the client opens 20 ten thousand yuan deposit proofs;

3. and (3) limiting a scene: due to regulatory requirements or agreement constraints, some scenarios can use specific funds, such as real-time financing services provided by a consumption loan agreement, which can only be provided in the account consumption scenario and cannot be used in the financing scenario.

4. Controlling the accumulative quota: account maximum or minimum, single or various periodic cumulative limit controls due to regulatory requirements or agreement limits. For example, for a common account, if the bank and the client agree for a certain period that the withdrawal amount is 40 ten thousand, and the client has taken 30 ten thousand, only 10 ten thousand can be taken again when the withdrawal is performed.

5. Account adversary limits: due to account business context requirements, an account can only transact with a particular adversary. For example, in the QDII (Qualified Institutional investor) service, the collection account of the present account a of the customer is required to be account B.

However, the account balance calculation function is very commonly used, and banks provide various financial services for customers, and the customers settle various scene requirements and constantly change supervision, so that the requirements for the change of the account balance calculation rule are more and more frequent.

However, currently, available balance calculation is a calculation method for writing available funds of the user in each scene, a unified calculation mode is not provided, only common calculation is provided, funds which can be controlled by compensation funds and financing tools cannot be provided, and partially limited exempt scenes use codes to be written directly, so that better readability cannot be provided, and the possibility of introducing risks due to maintainability is high.

In addition, the calculation formulas with various forms make it difficult for developers to master the current situation of the system, and the development and test cost is high and the period is long on the basis of frequent change; on the other hand, the implementation risk is very high, and once a problem occurs, complaints and public opinion risks can be caused to the customer experience, and the image impact of the customer experience on modern commercial banks is immeasurable.

Based on this, the technical scheme provided by the embodiment of the invention considers the factors which may affect the use of money, classifies and converts the factors into parameters, and provides a new balance calculation mechanism, the mechanism classifies and parameterizes the factors which affect the balance calculation in the parameterized balance calculation, the expansion of each factor prompts the influence to be considered, the relationship definition among various factors becomes simple, convenient and orderly, so that the effect of fast, uniform and accurate response can be provided when changing, the implementation period is short, the implementation cost is low, the implementation risk is small, and for most of the changes of the association relationship, only parameters are adjusted without adjusting programs; therefore, balance algorithms providing various scenes for the outside are achieved, and account fund classification and account limit factors are added or adjusted clearly, conveniently and quickly.

The following description is given with reference to specific examples.

Fig. 1 is a schematic diagram of an implementation flow of a balance calculation method, as shown in fig. 1, which may include:

step 101, determining a payment scene of balance after payment transaction needs to be calculated;

102, selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, wherein the scene model sets available funds on an account according to the types of the available funds, the payment modes under the types and the payment sequence of each payment mode according to the payment transaction requirements, and performs payment calculation according to the setting after scene parameters are input, wherein the scene parameters are parameters for identifying the available funds, the types of the available funds and the payment modes;

and 103, after the scene parameters are input, setting and calculating the balance after the payment transaction according to the scene model.

Specifically, the balance can be reasonably classified and set up an appropriate parameter model according to various factors influencing the balance calculation, so as to express the current and potential associated influences. For example, there are many constraints affecting balance calculation, there are various requirements for scenes by special funds such as loan funds and investment funds, there are limits for funds by freezing or loading, such as judicial freezing and loss-reporting freezing, and there are also penetrations for freezing or loading in special scenes, such as loan repayment penetrative loss-reporting freezing, mandatory deduction penetrative judicial freezing, etc.; the balance calculation is then performed according to these relationships.

Fig. 2 is a schematic diagram of a balance calculation architecture, and as shown in fig. 2, at least one functional architecture capable of implementing balance calculation may divide the parameterized reduction calculation apparatus into five modules, which are a scene parameter management module, an account fund classification management module, an amount limit checking module, an account limit checking module, and a channel limit checking module, respectively.

In practice, the types of funds available include one or a combination of the following:

specialized funds, general funds, adjustable funds, financing funds.

In the implementation, the setting is carried out according to the type of the available funds, the payment modes under the type and the payment sequence of each payment mode, and comprises the following steps:

after the type of the available fund is determined, the amount limit check, the account limit check and the channel limit check of the available fund in the type are sequentially set when the payment in the type is carried out.

In particular, the funds of the account can be mainly divided into four categories, and the parameters acquired through the scene parameters determine the funds to be used and the sequence of using the funds. For example, when the customer quickly consumes, the fund use sequence is as follows: special funds 1 (e.g., consuming loan funds) -special funds 2 (e.g., cross-border remittance consuming special funds) -general funds-adjustable allocation funds 1 (e.g., real-time allocation of funds) -adjustable allocation funds 2 (real-time allocation of funds) -financing funds 1 (e.g., self-loan funds), which may then be sequentially obtained and subsequently computationally processed.

In practice, one point is the type of available funds, and the other point is the order of checking, that is, the amount limit check, account limit check, channel limit check, of the available funds in that type when making a payment in that type, is sequential, which is the classification of funds and their potential associated impact, which is mainly surrounded by the following two points: the fund type and the checking sequence are explained.

Fig. 3 is a schematic diagram of an implementation flow of balance calculation, as shown in fig. 3, under the functional architecture shown in fig. 2, a module is taken as an explanation main body, and the implementation may be as follows:

1. and a scene parameter management module.

The scenario parameters are preset, and a set of parameters defined by the scenario dimensions is used to determine which part of funds are used in the account, and which limitations can be broken through, and the parameters specifically include:

1. the special scene number is a fund sequence which can be used under the default condition, and has no special breakthrough and limitation of money amount, account and channel dimension. For example, special scenario number 00000, the prescribed sequence of available funds is "universal funds" → "adjustable funds 1" (e.g., real time transfer of funds) → "adjustable funds 2" (real time transfer of funds);

2. specifying a scene number, and specifying various fund use sequences in the scene, such as quick customer consumption, wherein the fund use sequence is 'special fund 1' (such as loan fund consumption) → 'special fund 2' (such as cross-border remittance special fund) → 'general fund' → 'adjustable fund 1' (such as real-time fund transfer) → 'adjustable fund 2' (real-time fund transfer) → 'financing fund 1' (such as self-help loan fund);

3. and (4) specifying a scene number and specifying the breakthrough of various fund limits in the scene. Each fund may have its own limit, for example, the client purchases a financial product by using the investment financing dedicated fund, so that the part of the dedicated fund is frozen or deposited, although the fund is not transferred at present, the client cannot use the investment financing dedicated fund again, and for this limit, some scenes may be broken, for example, the scene of compulsory deduction in the court, and in the case of permission of law and business regulations, the limit may be broken for deduction.

4. And (4) specifying a scene number and specifying breakthrough of various account limitations in the scene. Each account may have its own restrictions, such as account freezing, account freezing may be classified into different categories, judicial freezing by law authorities, loss reporting freezing due to loss of certificates or passwords, limits specified by account usage, and the like, some scenarios may require breaking through such restrictions, such as court compulsory deduction, and many restrictions that need to be broken through, which may penetrate through various freezing and limit controls, such as loan repayment, loss reporting freezing, and ATM (Automated Teller Machine) 24-hour cross-line remittance, and loss reporting freezing may be broken through.

5. Appointing scene numbers and breaking through the channel limitation. The channel limit of the account comprises channel transaction limit or quota caused by account property or special identification, and some scenes can break through the limit, such as a compulsory deduction scene of an authorized authority.

2. And an account fund classification management module.

Account funds may be divided into four broad categories, with parameters derived from the context parameters determining which funds to use, and the order in which funds are used. For example, when the customer consumes fast, the funds are used in the sequence of "special funds 1" (e.g., consumption loan funds) → "special funds 2" (e.g., cross-border remittance consumption special funds) → "general funds" → "adjustable funds 1" (e.g., real-time transfer of funds) → "adjustable funds 2" (real-time transfer of funds) → "financing funds 1" (e.g., self-loan funds), and these funds are sequentially acquired and subsequently processed for calculation.

3. And an amount limit checking module.

There may be limits for each type of amount in the account funds, and the module determines the portion of each fund that is usable in conjunction with the limits for those amounts and the configuration of the scenario parameters.

4. An account limit checking module.

For each type of limit that may exist for an account, this module calculates the total funds available for the account in conjunction with the configuration of these limits and the scenario parameters.

5. A channel limit checking module.

For a given channel, there will be corresponding limits, and this module, in conjunction with these limits and the configuration of the yield parameters, calculates the final funds available to the account.

The following is an example.

In the implementation, when the money amount limit check, the account limit check and the channel limit check are carried out, the method comprises the following steps:

checking the amount limit, and entering account limit check after the checking is passed according to the limit condition;

checking account limitation, and entering channel limitation check after the account limitation passes the check according to the limitation condition;

checking the channel limit, and entering balance calculation after the checking is passed according to the limit condition.

Specifically, aiming at each account fund which can be used, the requirements of the limitation continuation and the breakthrough of the amount corresponding to the scene are gradually met, if the account fund is continued, the available amount is calculated according to the existing limitation, if the limitation condition is breached, whether the breakthrough condition and the limitation of the corresponding amount can be breached or not and the proportion of the breakthrough are determined according to the limitation condition and the limitation of the corresponding amount, the balance of a single fund is finally determined, the processing of the balance and the limitation of each fund is completed according to the specified fund type and sequence, the available information is stored one by one, if the error information is reported, the balance is stored, and finally, the balance is summed up.

In a specific implementation, when the check fails according to the restriction condition, the method further comprises the following steps:

and reserving the information which does not pass through and displaying the information.

Specifically, the balance of the account is displayed externally, whether the current balance is enough to support the transaction amount is calculated according to the transaction amount, if not, error information is recorded, channel limit is displayed, account limit is displayed, each fund and corresponding balance and limit are displayed, and all encountered error information is displayed.

Then at the time of balance calculation, the following may be:

1. the scene parameter management module needs to set scene parameters in advance to determine the types and the use sequence of the account usable funds, whether each item of money is used or not is displayed, the account limit is used or not is broken, the channel limit is used or not is broken, at least one default scene is included for use under the condition without special requirements, no exemption condition is set, all limits are used, in addition, all special scenes need to be included, when balance calculation is carried out outside, a scene needs to be specified, and the specified scene needs to be maintained in the scene parameter management module in advance.

The parameter maintenance of the scene parameter management module is performed when needed, the maintenance is not needed each time, and the scene parameters are not needed to be adjusted if the scene is not increased or adjusted.

2. The elements of the balance calculation that require external input may include: 1. scene, 2 transaction amount, 3 transaction opponents, 4 transaction channels and the like.

3. The scene parameter management module finds the parameters of the scene maintained in advance according to the input scene, wherein the parameters comprise the types and the using sequence of the fund available for the account, the display of whether each amount is used and broken through, the use and the breaking through of the account limit and the use and the breaking through of the channel limit.

4. And acquiring account funds item by item according to the available fund types and the use sequence specified by the scene.

5. Aiming at each usable account fund, limiting the continuation and the breakthrough requirements of the amount corresponding to the scene one by one, if the continuation is carried out, calculating the usable amount according to the existing limit, if the breakthrough condition is existed, determining whether the breakthrough can be carried out or not according to the breakthrough condition and the limit of the corresponding amount, determining the proportion of the breakthrough, finally determining the balance of a single fund, finishing the processing of the balance and the limit of each fund according to the fund type and the sequence specified in 4, storing the usable information one by one, if the error information is reported, storing the usable information, and finally adding the balances.

6. Checking the total balance of the account obtained by the 5-step calculation according to the account limit and the account limit continuation and breakthrough conditions specified by the scene, if yes, calculating the available total amount according to the existing account limit, if yes, determining whether the breakthrough can be performed according to the breakthrough conditions and the corresponding account limit, finally determining the balance after the account limit, and if yes, storing the balance.

7. Checking the total balance of the current account according to the channel limit and the condition of the continuation and the breakthrough of the channel limit specified by the scene, if yes, checking the balance calculated in the step 6 according to the limit parameter corresponding to the channel specified in the step 2, if yes, determining whether the balance can be broken through according to the breakthrough condition and the corresponding channel limit, finally determining the balance after the channel limit, and if yes, storing the balance.

8. And (3) externally displaying the balance of the account, calculating whether the current balance is enough to support the transaction amount according to the transaction amount in the step (2), if not, recording error information, displaying channel limit, displaying account limit, displaying each fund in the step (5) and corresponding balance and limit, and displaying all encountered error information.

The embodiment of the invention also provides a balance calculating device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the balance calculation method, the implementation of the device can refer to the implementation of the balance calculation method, and repeated details are not repeated.

Fig. 4 is a schematic structural diagram of a balance calculating device, as shown in fig. 4, which may include:

the payment module 401 is configured to determine a payment scenario in which a balance after a payment transaction needs to be calculated;

a scenario module 402, configured to select a corresponding scenario model from a plurality of scenario modes set in advance according to a payment scenario, where the scenario model sets available funds on an account according to a payment transaction requirement, according to a type of the available funds, a payment method in the type, and a payment order of each payment method, and performs payment calculation according to the setting after inputting scenario parameters, where the scenario parameters are parameters that identify the available funds, the type of the available funds, and the payment method;

the balance module 403 is configured to calculate a balance after the payment transaction according to the setting of the scene model after the scene parameter is input.

In an implementation, the scenario module is further configured to set a type of the available funds including one or a combination of the following types:

special funds, general funds, adjustable funds, financing funds.

In implementation, the scenario module is further configured to, when setting is performed according to the type of the available funds, the payment method under the type, and the payment order of each payment method, include:

after the type of the available fund is determined, the amount limit check, the account limit check and the channel limit check of the available fund in the type during payment in the type are set in sequence.

In implementation, the scenario module is further configured to, when performing the amount limitation check, the account limitation check, and the channel limitation check, include:

checking the amount limit, and entering account limit check after the checking is passed according to the limit condition;

checking account limitation, and entering channel limitation check after the account limitation passes the check according to the limitation condition;

checking the channel limit, and entering balance calculation after the checking is passed according to the limit condition.

In an implementation, the balance module is further configured to, when the check by the restriction condition fails, further include:

and reserving the information which does not pass through and displaying the information.

When the technical scheme provided by the embodiment of the invention is implemented, the implementation can be carried out as follows.

Fig. 5 is a schematic diagram of a computer device, as shown in fig. 5, the computer device includes:

the processor 500, which is used to read the program in the memory 520, executes the following processes:

determining a payment scene of balance after payment transaction needs to be calculated;

selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, wherein the scene model sets available funds on an account according to the payment transaction requirement and according to the type of the available funds, the payment mode under the type and the payment sequence of each payment mode, and performs payment calculation according to the setting after scene parameters are input, and the scene parameters are parameters for identifying the available funds, the type of the available funds and the payment mode;

after the scene parameters are input, setting and calculating the balance after the payment transaction according to a scene model;

a transceiver 510 for receiving and transmitting data under the control of the processor 500.

In practice, the types of funds available include one or a combination of the following:

specialized funds, general funds, adjustable funds, financing funds.

In the implementation, the setting is carried out according to the type of the available funds, the payment modes under the type and the payment sequence of each payment mode, and comprises the following steps:

after the type of the available fund is determined, the amount limit check, the account limit check and the channel limit check of the available fund in the type are sequentially set when the payment in the type is carried out.

In the implementation, when the money limit check, the account limit check and the channel limit check are performed, the method comprises the following steps:

checking the amount limit, and entering account limit check after the checking is passed according to the limit condition;

checking account limitation, and entering channel limitation check after the account limitation passes the check according to the limitation condition;

checking channel limitation, and entering balance calculation after the channel limitation passes the check according to the limitation condition.

In the implementation, when the check fails according to the restriction condition, the method further comprises the following steps:

and reserving the information which does not pass through and displaying the information.

Wherein in fig. 5, the bus architecture may include any number of interconnected buses and bridges, with one or more processors, represented by processor 500, and various circuits, represented by memory 520, being linked together. The bus architecture may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface. The transceiver 510 may be a plurality of elements including a transmitter and a receiver that provide a means for communicating with various other apparatus over a transmission medium. The processor 500 is responsible for managing the bus architecture and general processing, and the memory 520 may store data used by the processor 500 in performing operations.

The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the balance calculation method is realized.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for calculating a balance is implemented.

In the embodiment of the invention, compared with the technical scheme that no technical scheme in the prior art can provide balance inquiry under a specific scene for a client, the payment mode under the type is determined and the limit corresponding to the type is graded through classifying the fund of the account, the fund and the limit of all types are correlated in the scene, the visible or not and the priority of use are shown, and the correlation relation in calculation is expressed in a layering way.

Furthermore, based on a highly parameterized scene model, most scenes are set without development, and configuration parameters can be realized, so that the cost is saved and the delivery speed is increased; even if part of elements are changed, because the relevant factors are fully considered and reasonable layers are divided, when the elements of a certain dimension are newly added or adjusted, the relevant influence is also considered inevitably, and the software design can be carried out by referring to the similar factors, so that the delivery speed can be improved, and the development difficulty and risk can be reduced.

Specifically, balance factors of an account are divided into four basic categories, including all possible fund forms of the account, and limits corresponding to the structure are also graded, the balance factors are correspondingly divided into four levels, all types of funds and limits are associated in scene parameters, whether the balance factors are visible or not and the priority order of use is shown, the association relationship in calculation is properly expressed in the whole layering manner, as the association factors are fully considered and reasonable layers are divided, when elements of a certain dimension are newly added, a designer is inevitably reminded of considering the association influence, software design can be carried out by referring to the similar factors, the improvement in the device can improve the delivery speed, and the development difficulty and risk are reduced;

through parameter setting, the method can quickly adjust the sequence and the limitation of the existing fund, and improve the delivery speed of most of requirements; thus providing consistent, highly parameterized balance calculations that can accommodate a variety of special scenarios.

Based on a highly parameterized scene model, most scenes are set without development, and configuration parameters can be realized, so that the cost is saved and the delivery speed is increased; when part of elements change, because the association factors are fully considered and reasonable layers are divided, when the elements of a certain dimensionality are newly added or adjusted, a designer is reminded of considering the association influence of the elements, software design can be performed by referring to the similar factors, the delivery speed can be improved through modification, and the development difficulty and risk are reduced.

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 has been 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, 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 balance calculation method, comprising:

determining a payment scene of balance after payment transaction needing to be calculated;

selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, wherein the scene model sets available funds on an account according to the type of the available funds, the payment mode under the type and the payment sequence of each payment mode according to the payment transaction requirement, and performs payment calculation according to the setting after scene parameters are input, and the scene parameters are parameters for identifying the available funds, the type of the available funds and the payment mode;

after the scene parameters are input, the balance after the payment transaction is calculated according to the setting of the scene model.

2. The method of claim 1, wherein the types of funds available include one or a combination of the following types:

special funds, general funds, adjustable funds, financing funds.

3. The method according to claim 1 or 2, wherein the setting according to the type of the available funds, the payment methods under the type and the payment sequence of the payment methods comprises:

after the type of the available fund is determined, the amount limit check, the account limit check and the channel limit check of the available fund in the type during payment in the type are set in sequence.

4. The method of claim 3, when performing the amount limit check, the account limit check, and the channel limit check, comprising:

checking the amount limit, and entering account limit check after the checking is passed according to the limit condition;

checking account limitation, and entering channel limitation check after the account limitation passes the check according to the limitation condition;

checking channel limitation, and entering balance calculation after the channel limitation passes the check according to the limitation condition.

5. The method of claim 4, wherein upon a failure to check by a restriction condition, further comprising:

and reserving the information which does not pass through and displaying the information.

6. A balance calculation apparatus, comprising:

the payment module is used for determining a payment scene of balance after payment transaction needs to be calculated;

the system comprises a scene module, a payment module and a payment module, wherein the scene module is used for selecting a corresponding scene model from a plurality of preset scene modes according to a payment scene, setting available funds on an account according to the types of the available funds, the payment modes under the types and the payment sequence of each payment mode according to the payment transaction requirements, and performing payment calculation according to the setting after scene parameters are input, wherein the scene parameters are parameters for identifying the available funds, the types of the available funds and the payment modes;

and the balance module is used for setting and calculating the balance after the payment transaction according to the scene model after the scene parameters are input.

7. The apparatus of claim 6, wherein the context module is further for setting a type of funds available comprising one or a combination of the following types:

special funds, general funds, adjustable funds, financing funds.

8. The apparatus of claim 6 or 7, wherein the scenario module is further configured to, when setting according to the type of the available funds, and the payment method under the type, and the payment order of the payment methods, include:

after the type of the available fund is determined, the amount limit check, the account limit check and the channel limit check of the available fund in the type during payment in the type are set in sequence.

9. The apparatus of claim 8, wherein the scenario module, when performing the amount limit check, the account limit check, and the channel limit check, further comprises:

checking the amount limit, and entering account limit check after the checking is passed according to the limit condition;

checking account limits, and entering channel limit checking after checking according to limit conditions;

checking channel limitation, and entering balance calculation after the channel limitation passes the check according to the limitation condition.

10. The apparatus of claim 9, wherein the balance module is further configured to, when the check by the restriction fails, further comprising:

and reserving the information which does not pass through and displaying the information.

11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein 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 it stores a computer program which, when executed by a processor, implements the method of any one 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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