CN115797088B - User transfer method and device, electronic equipment and readable storage medium - Google Patents
User transfer method and device, electronic equipment and readable storage medium Download PDFInfo
- Publication number
- CN115797088B CN115797088B CN202211379439.0A CN202211379439A CN115797088B CN 115797088 B CN115797088 B CN 115797088B CN 202211379439 A CN202211379439 A CN 202211379439A CN 115797088 B CN115797088 B CN 115797088B
- Authority
- CN
- China
- Prior art keywords
- node
- account
- circulation
- user
- target
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 238000000034 method Methods 0.000 title claims abstract description 49
- 230000008859 change Effects 0.000 claims description 8
- 238000004891 communication Methods 0.000 claims description 6
- 238000004590 computer program Methods 0.000 claims description 4
- 230000001502 supplementing effect Effects 0.000 claims 2
- 230000000694 effects Effects 0.000 abstract description 5
- 238000010586 diagram Methods 0.000 description 13
- 230000008878 coupling Effects 0.000 description 3
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 2
- 230000007246 mechanism Effects 0.000 description 2
- 230000008520 organization Effects 0.000 description 2
- 238000006467 substitution reaction Methods 0.000 description 2
- 230000000295 complement effect Effects 0.000 description 1
- 230000007812 deficiency Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a user transfer method, a device, electronic equipment and a readable storage medium, wherein the method comprises the following steps: constructing a target community tree structure according to the user level relation between the superior user and the subordinate user of each user in the target community; receiving a fund circulation request sent by a source node in a target group tree structure, wherein the fund circulation request comprises a circulation type, a circulation amount and a circulation node; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; according to the circulation type and the circulation path, the circulation amount of the account corresponding to the circulation node is transferred to the account corresponding to the source node, or the circulation amount of the account corresponding to the source node is transferred to the account corresponding to the circulation node. The method and the device solve the technical problem of account billing confusion of the target group in the prior art, and achieve the technical effect of improving the definition of the target group accounts and each user account of the target group.
Description
Technical Field
The present disclosure relates to the field of financial technologies, and in particular, to a user transfer method, apparatus, electronic device, and readable storage medium.
Background
In the prior art, financial accounts of different companies are singly managed. However, there is a group situation that a main company flags a plurality of sub-companies, financial requirements such as transfer or mergers in the group exist between any two companies in the group, and because transfer can be carried out between any two companies in the group, the technical problem of billing confusion of the whole account of the group is easily caused.
Disclosure of Invention
In view of this, an object of the present application is to provide at least a user transfer method, apparatus, electronic device, and readable storage medium, by constructing a target group tree structure, so that when funds flow is performed between any nodes of the target group tree structure, corresponding accounts of the nodes are updated in the target group tree structure, which solves the technical problem of account billing confusion of the target group in the prior art, and achieves the technical effect of improving the definition of the target group account and each user account of the target group.
The application mainly comprises the following aspects:
in a first aspect, an embodiment of the present application provides a user transfer method, including: constructing a target community tree structure according to the user level relation between the superior user and the subordinate user of each user in the target community, wherein each node of the target community tree structure corresponds to one user of the target community; receiving a fund circulation request sent by a source node in a target group tree structure, wherein the fund circulation request comprises a circulation type, a circulation amount and circulation nodes, and the source node is any node in the target group tree structure; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; according to the circulation type and the circulation path, the circulation amount of the account corresponding to the circulation node is transferred to the account corresponding to the source node, or the circulation amount of the account corresponding to the source node is transferred to the account corresponding to the circulation node.
Optionally, constructing the target community tree structure according to the user level relationship between the superior user and the subordinate user of each user in the target community, including: determining a user level relationship between a superior user and a subordinate user of each user in the target group; aiming at each user in the target group, taking a node corresponding to the upper user of the user as a father node of the node corresponding to the user, and taking a node corresponding to the lower user of the user as a child node of the node corresponding to the user; and combining the father node and the child node of the node corresponding to each user to obtain the target group tree structure.
Optionally, determining the circulation path according to the positions of the source node and the circulation node in the target community tree structure includes: in the target community tree structure, a circulation path is determined according to the connection relation between the source node and the circulation node.
Optionally, the circulation type includes collection and dial-down; each account corresponding to each node in the target community tree structure comprises an account balance; according to the circulation type and circulation path, transferring the circulation amount of the account corresponding to the circulation node to the account corresponding to the source node, or transferring the circulation amount of the account corresponding to the source node to the account corresponding to the circulation node, including: determining the circulation type as collection or down-dialing; if the circulation type is the collection, extracting the circulation amount from the account balance of the account corresponding to the circulation node, and gradually transferring the circulation amount into the account balance of the account corresponding to the source node in the circulation path; if the circulation type is a down-dial, the circulation amount is extracted from the account balance of the account corresponding to the source node, and the circulation amount is transferred into the account balance of the account corresponding to the circulation node step by step in the circulation path.
Optionally, each node corresponding account in the target community tree structure further comprises: account type and virtual balance summary entity balance summary; the method further comprises the steps of: determining the target path of which the end point is the target node and the root node in the target group tree structure according to the position of the target node in the target group tree structure; the target node is a node with account balance changed in the target group tree structure; updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node; the account type is used for describing whether the account corresponding to the node is a virtual account or not.
Optionally, the account types include virtual accounts and physical accounts; according to the account type and the target path, updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path, including: determining the account type of the target node as a virtual account or an entity account; if the account type of the target node is a virtual account, updating virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance; if the account type of the target node is an entity account, updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance.
Optionally, the method further comprises: determining whether the interest-bearing mode of the target group is a combined interest-bearing mode; if the accounting mode of the target group is merging accounting, adding account balances of each node in the target group tree structure to obtain the total balance of the target group; combining the total balance and counting the total balance to obtain total interest; and (3) respectively comparing the account balance of each node with the total balance, and multiplying the ratio by the total interest of the target group to obtain the node interest of the node.
In a second aspect, embodiments of the present application further provide a user transfer apparatus, including: the receiving module is used for receiving a fund circulation request sent by a source node in the target group tree structure, wherein the fund circulation request comprises a circulation type, a circulation amount and a circulation node; each node of the target community tree structure corresponds to a user of the target community; the source node is any node in the target group tree structure; the first determining module is used for determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; the transfer module is used for transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path.
In a third aspect, embodiments of the present application further provide an electronic device, including: a processor, a memory and a bus, the memory storing machine readable instructions executable by the processor, the processor and the memory in communication via the bus when the electronic device is running, the machine readable instructions when executed by the processor performing the steps of the user transfer method of the first aspect or any of the possible implementation manners of the first aspect.
In a fourth aspect, the embodiments of the present application further provide a computer readable storage medium having a computer program stored thereon, which when executed by a processor performs the step of transferring a user in the first aspect or any of the possible embodiments of the first aspect.
The embodiment of the application provides a user transfer method, a device, electronic equipment and a readable storage medium, wherein the method comprises the following steps: receiving a fund circulation request sent by a source node in a target group tree structure, wherein the fund circulation request comprises a circulation type, a circulation amount and a circulation node; each node of the target community tree structure corresponds to a user of the target community; the source node is any node in the target group tree structure; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; according to the circulation type and the circulation path, the circulation amount of the account corresponding to the circulation node is transferred to the account corresponding to the source node, or the circulation amount of the account corresponding to the source node is transferred to the account corresponding to the circulation node. According to the method and the system, the target group tree structure is constructed, so that when funds circulation is carried out between any nodes of the target group tree structure, corresponding accounts of the nodes are updated in the target group tree structure, the technical problem of account billing confusion of the target group in the prior art is solved, and the technical effect of improving the definition of the target group accounts and each user account of the target group is achieved.
In order to make the above objects, features and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered limiting the scope, and that other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 shows a flowchart of a user transfer method according to an embodiment of the present application.
FIG. 2 shows a schematic diagram of a target community tree structure provided by an embodiment of the present application.
Fig. 3 shows one of schematic diagrams of the account corresponding to each node in the target community tree structure provided in the embodiment of the present application.
Fig. 4 shows a second schematic diagram of the account corresponding to each node in the target community tree structure according to the embodiment of the present application.
Fig. 5 shows a functional block diagram of a user transfer apparatus according to an embodiment of the present application.
Fig. 6 shows a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more clear, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it should be understood that the accompanying drawings in the present application are only for the purpose of illustration and description, and are not intended to limit the protection scope of the present application. In addition, it should be understood that the schematic drawings are not drawn to scale. A flowchart, as used in this application, illustrates operations implemented according to some embodiments of the present application. It should be appreciated that the operations of the flow diagrams may be implemented out of order and that steps without logical context may be performed in reverse order or concurrently. Moreover, one or more other operations may be added to the flow diagrams and one or more operations may be removed from the flow diagrams as directed by those skilled in the art.
In addition, the described embodiments are only some, but not all, of the embodiments of the present application. The components of the embodiments of the present application, which are generally described and illustrated in the figures herein, may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, as provided in the accompanying drawings, is not intended to limit the scope of the application, as claimed, but is merely representative of selected embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, are intended to be within the scope of the present application.
In the prior art, the accounts of all companies in the group are singly managed, and when funds are circulated among the companies, only accounts corresponding to the accounts of the companies which perform funds circulation are independently checked, so that the technical problem of disordered account billing of the group is caused.
Based on the above, the embodiment of the application provides a user transfer, by constructing the target group tree structure, when funds circulation is carried out between any node of the target group tree structure, the corresponding account of the node is updated in the target group tree structure, so that the technical problem of disordered account billing of the target group in the prior art is solved, and the technical effect of improving the definition of the target group account and each user account of the target group is achieved. The method comprises the following steps:
referring to fig. 1, fig. 1 is a flowchart of a user transfer method according to an embodiment of the present application. The user transfer method provided by the embodiment of the application is applied to a bank server. As shown in fig. 1, the user transfer method provided in the embodiment of the present application includes the following steps:
s101: and constructing a target community tree structure according to the user level relation between the superior user and the subordinate user of each user in the target community.
Constructing a target community tree structure according to the user level relation between the superior user and the subordinate user of each user in the target community, wherein the method comprises the following steps: determining a user level relationship between a superior user and a subordinate user of each user in the target group; aiming at each user in the target group, taking a node corresponding to the upper user of the user as a father node of the node corresponding to the user, and taking a node corresponding to the lower user of the user as a child node of the node corresponding to the user; and combining the father node and the child node of the node corresponding to each user to obtain the target group tree structure.
The user level relation between the superior user and the subordinate user of each user in the target group is preset. The user-level relationship is for each user of the target community, the user being affiliated with a superior user of the user, a subordinate user of the user being affiliated with the user. Each node of the target community tree structure corresponds to a user of the target community.
That is, the banking server constructs the target community tree structure according to the preset user level relationship between the superior user and the subordinate user of each user in the target community.
For example, referring to fig. 2, fig. 2 is a schematic diagram of a target group tree structure according to an embodiment of the present application. If the target group is group A, the group A comprises a main company, the lower level company of the main company is a first-level subsidiary, a second-level subsidiary and a third-level subsidiary, the lower level company of the first-level subsidiary is a first-level subsidiary, the lower level company of the second-level subsidiary comprises a second-level subsidiary and a third-level subsidiary, and the third-level subsidiary is free of the lower level subsidiary. As shown in fig. 2, a root node 1 in a target group tree structure of a group a is constructed to correspond to a head office; the root node 1 comprises sub-nodes 2 to 4 which respectively correspond to a first-level sub-company, a second-level sub-company and a third-level sub-company; the child node 2 includes a grandchild node 5 corresponding to the first secondary child; the child node 3 includes a grandchild node 6 corresponding to the second level child company and a grandchild node 7 corresponding to the third level child company; child node 4 has no grandchild nodes.
S102: and receiving a fund circulation request sent by a source node in the target group tree structure, wherein the fund circulation request comprises a circulation type, a circulation amount and a circulation node.
The source node is any node in the target community tree structure.
That is, one user of the target community corresponds to one node of the target community tree structure, and the root node of the target community tree structure is the general ledger of the target community. The target community may be considered a group and a user of the target community may be understood as a company within the group.
Wherein the number of the circulation nodes can be one or a plurality. That is, the source node may send a request for funds transfer to one transfer node, or may send requests for funds transfer to a plurality of transfer nodes, respectively.
For example, if the main company in the group a needs to implement the funds circulation with the second-level subsidiary, the main company sends a funds circulation request including circulation type, circulation amount and the second-level subsidiary to the bank server through the bank client, the node corresponding to the main company is the source node, the node corresponding to the second-level subsidiary is the circulation node, and the bank server receives the funds circulation request sent by the source node and determines the circulation type, circulation amount and circulation node in the funds circulation request.
S103: and determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure.
Determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure, including: in the target community tree structure, a circulation path is determined according to the connection relation between the source node and the circulation node.
The path direction is not included in the circulation path, that is, the circulation node is not considered from the source node to the circulation node or from the circulation node to the source node. Because any node in the target group tree structure is only connected with the node of the next layer of the node and/or the node of the previous layer of the node, two nodes are further determined in the target group tree structure, and only one path can be constructed according to the connection relation between the two nodes.
For example, as shown in fig. 2, if the source node is the root node 1 corresponding to the head office, the circulation node is the grandchild node 6 corresponding to the second level child office, and the bank server determines that the circulation path is the root node 1-child node 3-grandchild node 6.
S104: according to the circulation type and the circulation path, the circulation amount of the account corresponding to the circulation node is transferred to the account corresponding to the source node, or the circulation amount of the account corresponding to the source node is transferred to the account corresponding to the circulation node.
The circulation type comprises collection and downward dialing; each node in the target community tree structure includes an account balance corresponding to the account. Account balance refers to the balance of the account corresponding to the node, and the child node of the node is not considered.
The circulation type comprises collection and down shifting, wherein collection refers to that a lower user transfers money to an upper user of the circulation type, and down shifting refers to that the upper user transfers money to the lower user of the circulation type, so that the user does not need to be connected with the user of the same level of the user in the process of constructing a target group tree structure, and only the user is required to be connected with the upper user of the user and the lower user of the user respectively.
According to the circulation type and circulation path, transferring the circulation amount of the account corresponding to the circulation node to the account corresponding to the source node, or transferring the circulation amount of the account corresponding to the source node to the account corresponding to the circulation node, including: determining the circulation type as collection or down-dialing; if the circulation type is the collection, extracting the circulation amount from the account balance of the account corresponding to the circulation node, and gradually transferring the circulation amount into the account balance of the account corresponding to the source node in the circulation path; if the circulation type is a down-dial, the circulation amount is extracted from the account balance of the account corresponding to the source node, and the circulation amount is transferred into the account balance of the account corresponding to the circulation node step by step in the circulation path.
That is, if the circulation type is the collection, the request for transferring funds sent by the source node may be that the circulation node collects the amount of the transfer to the source node, and at this time, the circulation node is a funds outflow node, and the source node is a funds inflow node; if the transfer type is down-dial, the request for transferring funds sent by the source node may be that the source node dials down the transfer amount to the transfer node, where the source node is a funds outflow node and the transfer node is a funds inflow node.
The determination mode of the circulation amount comprises the following steps: complement the proportion, fixed amount, full amount and reserve difference; the step of proportionally multiplying the preset proportion of the funds outflow node by the account balance of the funds outflow node to obtain the circulation amount; the fixed amount refers to taking the fixed amount as the circulation amount; full refers to taking the account balance of the funds outflow node as the circulation amount; the balance compensation means that if the account balance of the funds inflow node is less than or equal to the preset balance of the funds inflow node, the difference between the preset balance and the account balance of the funds inflow node is taken as the circulation amount; if the account balance of the funds inflow node is greater than or equal to the preset deposit amount, the transfer amount may be set to 0 and the portion of the account balance of the funds inflow node greater than the preset deposit amount is collected to the funds outflow node.
For example, as shown in fig. 2, if the head office in the group a needs the second-level subsidiary to collect the amount of the flow, the head office sends a request for circulation of funds including collection, amount of circulation and the second-level subsidiary to the bank server through the bank client, and the bank server receives the request for circulation of funds. The bank server can only determine that the unique circulation path is the root node 1, the child node 3 and the grandchild node 6 according to the fact that the source node is the root node 1 and the circulation node is the grandchild node 6; because the circulation type is the collection, the circulation amount is extracted from the account balance of the account corresponding to the grandchild node 6, the circulation amount is firstly transferred to the account balance of the account corresponding to the child node 3, and then the circulation amount is transferred to the account balance of the account corresponding to the root node 1 from the account balance of the account corresponding to the child node 3, namely the circulation direction in the circulation path is set as grandchild node 6- & gt child node 3- & gt root node 1, so that the second-level child company collects the circulation amount of the revolution to the main company. If the head office in the group A needs to dial the transfer amount to the second-level subsidiary, the head office sends a fund transfer request containing the dial-down transfer amount and the second-level subsidiary to a bank server through a bank client, and the bank server receives the fund transfer request. Because the circulation type is the dialing down, the circulation amount is extracted from the account balance of the account corresponding to the root node 1, the circulation amount is firstly transferred to the account balance of the account corresponding to the child node 3, and then the circulation amount is transferred to the account balance of the account corresponding to the grandchild node 6 from the account balance of the account corresponding to the child node 3, namely the circulation direction in the circulation path is set as the root node 1, the child node 3 and the grandchild node 6, so that the general company dials down the circulation amount to the second-level child company.
Each node corresponding account in the target community tree structure further comprises: account type, virtual balance summary and entity balance summary. The account type is used for describing whether the account corresponding to the node is a virtual account or not, and the account type comprises the virtual account and an entity account. For each node, the virtual balance of the node is always the sum of the virtual balance summary of the child node of the node and the account balance of the child node with the account type of the virtual account in the child node of the node; the entity balance summary of the node is always the sum of the entity balance summary of the child node of the node and the account balance of the child node with the account type of the entity account in the child node of the node.
That is, the virtual balance summary and the physical balance summary of the accounts corresponding to leaf nodes in the target group tree structure are necessarily 0.
The method further comprises the steps of: determining the target path of which the end point is the target node and the root node in the target group tree structure according to the position of the target node in the target group tree structure; the target node is a node with account balance changed in the target group tree structure; and updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node.
In practical application, the account balance of the account corresponding to each node is changed not only by performing funds circulation to the node through other nodes in the target group tree structure, but also by performing funds circulation to the node by other users which do not belong to the target group tree structure, and at this time, the account balance of the account corresponding to the node is also changed. The target node is a node with account balance changed in the target group tree structure, and is not limited to a source node and a circulation node for executing the fund circulation request.
For example, as shown in fig. 2, if the target node is a grandchild node 5, a virtual balance summary or an entity balance summary of accounts corresponding to the grandchild node 2 and the root node 1 is updated according to the account type of the grandchild node 5 by constructing a grandchild node 5-child node 2-root node 1 as the target path of the root node 1 and the grandchild path 5.
According to the account type and the target path, updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path, including: determining the account type of the target node as a virtual account or an entity account; if the account type of the target node is a virtual account, updating virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance; if the account type of the target node is an entity account, updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance.
For example, referring to fig. 3, fig. 3 is one of schematic diagrams of accounts corresponding to each node in the target community tree structure according to the embodiment of the present application. As shown in fig. 3, if fig. 3 is a target group tree structure of the group B, the numbers of the nodes are B00-N01, B00-N02, B00-N03, B00-N04, B00-N05, B00-N06, B00-N07, and B00-N08, respectively. Wherein, the account types of B00-N01, B00-N02, B00-N04 and B00-N05 are virtual accounts, and the account types of B00-N03, B00-N06, B00-N07 and B00-N08 are physical accounts; the account balance of B00-N01 is 3000, the virtual balance is 200, the entity balance is 500, the account balance of B00-N02 is 100, the virtual balance is 100, the entity balance is 300, the account balance of B00-N03 is 100, the virtual balance is 0, the entity balance is 100, the account balance of B00-N04 is 100, the virtual balance is 0, the entity balance is 0, the account balance of B00-N05 is 100, the virtual balance is 0, the entity balance is 200, the account balance of B00-N06 is 100, the virtual balance is 0, the entity balance is 0, the account balance of B00-N07 is 100, the virtual balance is 0, the entity balance is 0, the account balance of B00-N08 is 100, the virtual balance is 0, and the entity balance is 0.
For example, referring to fig. 4, fig. 4 shows a second schematic diagram of an account corresponding to each node in the target community tree structure according to the embodiment of the present application. If the account balance of B00-N07 is increased by 200, because the account type of B00-N07 is an entity account, constructing target paths with the endpoints of B00-N07 and B00-N01 as B00-N07-B00-N05-B00-N02-B00-N01, and adding the entity balances of B00-N05, B00-N02 and B00-N01 by 200.
The method further comprises the steps of: determining whether the interest-bearing mode of the target group is a combined interest-bearing mode; if the accounting mode of the target group is merging accounting, adding account balances of each node in the target group tree structure to obtain the total balance of the target group; combining the total balance and counting the total balance to obtain total interest; and (3) respectively comparing the account balance of each node with the total balance, and multiplying the ratio by the total interest of the target group to obtain the node interest of the node.
After determining whether the interest-bearing manner of the target group is the merging interest, the method further comprises: if the interest counting mode of the target group is the combined interest counting mode, determining preset nodes in the target group tree structure, and carrying out combined interest counting on the target group through the preset nodes, namely, receiving account balances of other nodes except the preset nodes in the target group tree structure, and issuing node interest of the other nodes except the preset nodes according to the proportion. The preset node may be any node in the target community tree structure, or the preset node may be a node which is specially set to be parallel to the root node, such as B00-N00 shown in fig. 4. Generally, in the case that the account type of the account corresponding to the root node of the target community tree structure is an entity account, the root node is determined as a preset node in the target community tree structure.
The preset node can also be used as a collection node preset by the target group tree structure and used for receiving funds of the undefined funds inflow node, and then the funds are cleared in the target group tree structure by downwards dialing the root node and downwards dialing the defined funds inflow node through the root node. Each time the target community increases by one user, the number of nodes of the target community tree structure increases by 1.
After determining whether the interest-bearing manner of the target group is the merging interest, the method further comprises: if the interest-bearing mode of the target group is not the combined interest-bearing mode, each node in the target group tree structure independently carries out interest-bearing.
The target group tree structure also corresponds to a target group subscription table, wherein the target group subscription table comprises: the method comprises the steps of target group tree structure number, target group name, account type of each node of the target group tree structure, target group application scene, circulation type, account balance deficiency processing mode, preset node and other parameters, wherein each parameter comprises corresponding parameter content and parameter description. Referring to table 1, table 1 is a target group subscription table provided in an embodiment of the present application.
Table 1:
if the signing status of the target group is signing, the signing table of the target group further comprises parameters such as signing organization, signing teller, signing authorizer, signing date, signing serial number and the like; the subscription state of the target group is a contract release, and the target group subscription table further comprises parameters such as a contract release mechanism, a contract release teller, a contract release authorizer, a contract release date, a contract release serial number and the like.
Each node in the target group tree structure also corresponds to a node description table, please refer to table 2, table 2 is a node description table of B00-N02 provided in the embodiments of the present application.
Table 2:
if the signing status of the current node is signing, the node description table of the current node further comprises parameters such as signing organization, signing teller, signing authorizer, signing date, signing serial number and the like; if the subscription state of the current node is a offer, the node description of the current node further includes parameters such as an offer mechanism, an offer teller, an offer authorizer, an offer date, an offer serial number, and the like.
The node specification table of the current node may further include: parameters such as the customer name of the current node, the customer account number of the current node and the like; if the current node is a preset node, the node description table of the current node may further include: the interest rate number, the proportion of each node/interest, etc.
For each fund circulation request, the source node and the circulation node corresponding to the fund circulation request register the fund circulation. Illustratively, if the source node corresponding to the current request for funds transfer is B00-N01 and the transfer node is B00-N02, the transfer type is down-dial, and the transfer amount is 100, the funds transfer registry of the source node B00-N01 of the current request for funds transfer is shown in table 3.
Table 3:
the funds transfer registry may further include: the parameters of abstract code, abstract, transaction institution, transaction teller, authorized teller, transaction date, transaction time, teller serial number, etc.
If the source node in the target group tree structure performs the funds transfer to other target group tree structures, the source node may record an external funds transfer registry similar to the funds transfer registry of table 3, where the external funds transfer registry includes: the target group tree structure number corresponding to the customer, the node number of the node corresponding to the customer, the bank in which the account corresponding to the customer is located (registered if the account corresponding to the customer and the account corresponding to the source node belong to different banks), the customer product name (registered if the amount of the transfer is dialed to the customer for purchasing the customer product), the abstract code, the abstract, the transaction facility, the transaction teller, the authorized teller, the transaction date, the transaction time, the teller serial number, and the like.
Based on the same application conception, the embodiment of the application also provides a user transfer device corresponding to the user transfer method provided by the embodiment, and because the principle of solving the problem of the device in the embodiment of the application is similar to that of the user transfer method of the embodiment of the application, the implementation of the device can be referred to the implementation of the method, and the repetition is omitted.
As shown in fig. 5, fig. 5 is a functional block diagram of a user transfer apparatus according to an embodiment of the present application, and the user transfer apparatus 10 includes: a receiving module 101, a first determining module 102 and a transfer module 103. A receiving module 101, configured to receive a funds transfer request sent by a source node in a target group tree structure, where the funds transfer request includes a transfer type, a transfer amount, and a transfer node; each node of the target community tree structure corresponds to a user of the target community; the source node is any node in the target group tree structure; a first determining module 102, configured to determine a circulation path according to positions of the source node and the circulation node in the target community tree structure; the transfer module 103 is configured to transfer the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node, or transfer the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node, according to the transfer type and the transfer path.
The user transfer apparatus further includes: the second determining module is used for determining the superior user and the subordinate user of each user in the target group; and the third determining module is used for taking the node corresponding to the upper user of the user as a father node of the node corresponding to the user, and taking the node corresponding to the lower user of the user as a child node of the node corresponding to the user to obtain the target group tree structure.
The first determining module is further configured to take paths with end points being source nodes and circulation nodes as circulation paths in the target community tree structure.
The circulation type comprises collection and downward dialing; each account corresponding to each node in the target community tree structure comprises an account balance; the transfer module further includes: a fourth determining module, configured to determine that the circulation type is a collection or a dial-down; the first account transfer sub-module is used for extracting the transfer amount from the account balance of the account corresponding to the transfer node if the transfer type is the collection, and transferring the transfer amount into the account balance of the account corresponding to the source node step by step in the transfer path; and the second transfer sub-module is used for extracting the transfer amount from the account balance of the account corresponding to the source node if the transfer type is down-dial, and transferring the transfer amount into the account balance of the account corresponding to the transfer node step by step in the transfer path.
Each node corresponding account in the target community tree structure further comprises: account type and virtual balance summary entity balance summary; the user transfer apparatus further includes: a fifth determining module, configured to determine, according to a position of the target node in the target community tree structure, a target path in which the endpoint is a target node and a root node in the target community tree structure; the target node is a node with account balance changed in the target group tree structure; the updating module is used for updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node; the account type is used for describing whether the account corresponding to the node is a virtual account or not.
The account types include virtual accounts and physical accounts; depending on the account type and the target path, the update module further comprises: a sixth determining module, configured to determine that the account type of the target node is a virtual account or an entity account; the first updating sub-module is used for updating virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance if the account type of the target node is a virtual account; and the second updating sub-module is used for updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance if the account type of the target node is the entity account.
The user transfer apparatus further includes: a seventh determining module, configured to determine whether the interest-bearing manner of the target group is a combined interest-bearing manner; the eighth determining module is configured to add account balances of each node in the target group tree structure to obtain a total balance of the target group if the interest-bearing manner of the target group is a combined interest-bearing manner; the interest counting module is used for merging the total balance and counting the total balance to obtain total interest; and the node interest determining module is used for respectively comparing the account balance of each node with the total balance, and multiplying the ratio by the total interest of the target group to obtain the node interest of the node.
Based on the same application concept, referring to fig. 6, which is a schematic structural diagram of an electronic device provided in an embodiment of the present application, the electronic device 20 includes: processor 201, memory 202, and bus 203, memory 202 storing machine-readable instructions executable by processor 201, which when executed by processor 201 perform the steps of the user transfer method as in any of the embodiments described above, when executed by processor 201, by communication between processor 201 and memory 202 via bus 203.
Specifically, machine readable instructions, when executed by processor 201, may perform the following: receiving a fund circulation request sent by a source node in a target group tree structure, wherein the fund circulation request comprises a circulation type, circulation amount and circulation nodes; each node of the target community tree structure corresponds to a user of a target community; the source node is any node in the target group tree structure; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path.
Based on the same application concept, the embodiment of the present application further provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, performs the steps of the user transfer method provided in the above embodiment.
Specifically, the storage medium can be a general storage medium, such as a mobile disk, a hard disk, and the like, and when a computer program on the storage medium is run, the user transfer method can be executed, and when funds are circulated between any node of the target group tree structure, the corresponding account of the node is updated in the target group tree structure, so that the technical problem of disordered account accounting of the target group in the prior art is solved, and the technical effect of improving the definition of each user account of the target group account and the target group is achieved.
It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described system and apparatus may refer to corresponding procedures in the foregoing method embodiments, which are not described herein again. In the several embodiments provided in this application, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. The above-described apparatus embodiments are merely illustrative, for example, the division of the units is merely a logical function division, and there may be other manners of division in actual implementation, and for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some communication interface, device or unit indirect coupling or communication connection, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer readable storage medium executable by a processor. Based on such understanding, the technical solutions of the present application may be embodied in essence or a part contributing to the prior art or a part of the technical solutions, or in the form of a software product, which is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The foregoing is merely a specific embodiment of the present application, but the protection scope of the present application is not limited thereto, and any person skilled in the art can easily think about changes or substitutions within the technical scope of the present application, and the changes or substitutions are covered in the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (9)
1. A user transfer method, the user transfer method comprising:
constructing a target community tree structure according to the user level relation between the superior user and the subordinate user of each user in the target community, wherein each node of the target community tree structure corresponds to one user of the target community;
receiving a fund circulation request sent by a source node in a target group tree structure, wherein the fund circulation request comprises a circulation type, a circulation amount and a circulation node, the source node is any node in the target group tree structure, the circulation type comprises collection and down-dialing, the collection refers to the transfer of a lower user to an upper user of the user, the down-dialing refers to the transfer of the upper user to the lower user of the user, and the determination mode of the circulation amount comprises the following steps: the method comprises the steps of supplementing a ratio, a fixed amount, a full amount and a reserve difference, wherein the ratio is that the preset ratio of a funds outflow node is multiplied by the account balance of the funds outflow node to obtain a circulation amount, and the fixed amount is that the fixed amount is used as the circulation amount; the full value refers to taking the account balance of the funds outflow node as the circulation amount, and the reserve compensation refers to taking the difference between the preset reserve amount and the account balance of the funds inflow node as the circulation amount if the account balance of the funds inflow node is smaller than or equal to the preset reserve amount of the funds inflow node; if the account balance of the funds inflow node is greater than or equal to the preset deposit amount, the circulation amount may be set to 0 and the portion of the account balance of the funds inflow node greater than the preset deposit amount is collected to the funds outflow node;
Determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure;
according to the circulation type and the circulation path, the circulation amount of the account corresponding to the circulation node is transferred to the account corresponding to the source node, or the circulation amount of the account corresponding to the source node is transferred to the account corresponding to the circulation node;
each node corresponding account in the target community tree structure further comprises: account type and virtual balance summary entity balance summary; the account type is used for describing whether the account corresponding to the node is a virtual account or not, and comprises the virtual account and an entity account; for each node, the virtual balance of the node is always the sum of the virtual balance summary of the child node of the node and the account balance of the child node with the account type of the virtual account in the child node of the node; the entity balance summary of the node is always the sum of the entity balance summary of the child node of the node and the account balance of the child node with the account type of the entity account in the child node of the node;
the method further comprises the steps of: determining the target path of which the end point is the target node and the root node in the target group tree structure according to the position of the target node in the target group tree structure; the target node is a node with account balance changed in the target group tree structure; and updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node.
2. The user transfer method of claim 1, wherein the constructing the target community tree structure according to the user level relationship of the superior user and the inferior user of each user in the target community comprises:
determining a user level relationship between a superior user and a subordinate user of each user in the target group;
aiming at each user in the target group, taking a node corresponding to the upper user of the user as a father node of the node corresponding to the user, and taking a node corresponding to the lower user of the user as a child node of the node corresponding to the user;
and combining the father node and the child node of the node corresponding to each user to obtain the target group tree structure.
3. The user transfer method of claim 1, wherein the determining a circulation path according to the locations of the source node and the circulation node in the target community tree structure comprises:
and in the target group tree structure, determining a circulation path according to the connection relation between the source node and the circulation node.
4. The user transfer method of claim 1, wherein each node corresponding account in the target community tree structure comprises an account balance;
The transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path includes:
determining that the circulation type is collection or downward dialing;
if the circulation type is the collection, extracting circulation amount from account balances of accounts corresponding to the circulation nodes, and gradually transferring the circulation amount into the account balances of the accounts corresponding to the source nodes in the circulation path;
and if the circulation type is a downward dialing, extracting a circulation amount from the account balance of the account corresponding to the source node, and gradually transferring the circulation amount to the account balance of the account corresponding to the circulation node in the circulation path.
5. The user transfer method of claim 1, wherein the account types include virtual accounts and physical accounts; and updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path, wherein the updating comprises the following steps:
Determining the account type of the target node as a virtual account or an entity account;
if the account type of the target node is a virtual account, updating virtual balance summary of other nodes except the target node in the target path according to the change value of account balance;
and if the account type of the target node is an entity account, updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance.
6. The user transfer method of claim 4, further comprising:
determining whether the interest-bearing mode of the target group is a combined interest-bearing mode;
if the accounting mode of the target group is merging accounting, adding the account balance of each node in the target group tree structure to obtain the total balance of the target group;
combining the total balance and counting the total balance to obtain total interest;
and comparing the account balance of each node with the total balance, and multiplying the ratio by the total interest of the target group to obtain the node interest of the node.
7. A user transfer apparatus, the user transfer apparatus comprising:
The building module is used for building a target community tree structure according to the user level relation of the superior user and the subordinate user of each user in the target community, and each node of the target community tree structure corresponds to one user of the target community;
the receiving module is used for receiving a fund circulation request sent by a source node in a target group tree structure, the fund circulation request comprises a circulation type, a circulation amount and a circulation node, the source node is any node in the target group tree structure, the circulation type comprises a collection and a down-dialing, the collection refers to the transfer of a lower user to an upper user of the user, the down-dialing refers to the transfer of the upper user to the lower user of the user, and the determination mode of the circulation amount comprises the following steps: the method comprises the steps of supplementing a ratio, a fixed amount, a full amount and a reserve difference, wherein the ratio is that the preset ratio of a funds outflow node is multiplied by the account balance of the funds outflow node to obtain a circulation amount, and the fixed amount is that the fixed amount is used as the circulation amount; the full value refers to taking the account balance of the funds outflow node as the circulation amount, and the reserve compensation refers to taking the difference between the preset reserve amount and the account balance of the funds inflow node as the circulation amount if the account balance of the funds inflow node is smaller than or equal to the preset reserve amount of the funds inflow node; if the account balance of the funds inflow node is greater than or equal to the preset deposit amount, the circulation amount may be set to 0 and the portion of the account balance of the funds inflow node greater than the preset deposit amount is collected to the funds outflow node;
The first determining module is used for determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure;
the transfer module is used for transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path;
each node corresponding account in the target community tree structure further comprises: account type and virtual balance summary entity balance summary; the account type is used for describing whether the account corresponding to the node is a virtual account or not, and comprises the virtual account and an entity account; for each node, the virtual balance of the node is always the sum of the virtual balance summary of the child node of the node and the account balance of the child node with the account type of the virtual account in the child node of the node; the entity balance summary of the node is always the sum of the entity balance summary of the child node of the node and the account balance of the child node with the account type of the entity account in the child node of the node;
a fifth determining module, configured to determine, according to a position of the target node in the target community tree structure, a target path in which the endpoint is a target node and a root node in the target community tree structure; the target node is a node with account balance changed in the target group tree structure;
And the updating module is used for updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node.
8. An electronic device, comprising: a processor, a memory and a bus, the memory storing machine readable instructions executable by the processor, the processor and the memory in communication via the bus when the electronic device is running, the machine readable instructions when executed by the processor performing the steps of the user transfer method of any one of claims 1 to 6.
9. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a computer program which, when executed by a processor, performs the steps of the user transfer method according to any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211379439.0A CN115797088B (en) | 2022-11-04 | 2022-11-04 | User transfer method and device, electronic equipment and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211379439.0A CN115797088B (en) | 2022-11-04 | 2022-11-04 | User transfer method and device, electronic equipment and readable storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN115797088A CN115797088A (en) | 2023-03-14 |
| CN115797088B true CN115797088B (en) | 2024-01-19 |
Family
ID=85435693
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211379439.0A Active CN115797088B (en) | 2022-11-04 | 2022-11-04 | User transfer method and device, electronic equipment and readable storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115797088B (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117273721A (en) * | 2023-09-04 | 2023-12-22 | 中电金信软件有限公司 | Task execution method and device and electronic equipment |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2004295277A (en) * | 2003-03-26 | 2004-10-21 | Japan Research Institute Ltd | Group fund collection method, group fund collection system, and program for group fund collection system |
| CN101908179A (en) * | 2010-08-17 | 2010-12-08 | 中国建设银行股份有限公司 | Inter-bank capital account collection management method |
| CN104318473A (en) * | 2014-10-30 | 2015-01-28 | 中国建设银行股份有限公司 | Multi-stage funds management method and system |
| CN113052594A (en) * | 2021-04-30 | 2021-06-29 | 中国银行股份有限公司 | Multi-card cooperative payment method and device based on block chain |
| CN114219629A (en) * | 2021-12-20 | 2022-03-22 | 中国农业银行股份有限公司 | Fund collection method, device, equipment and medium |
-
2022
- 2022-11-04 CN CN202211379439.0A patent/CN115797088B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2004295277A (en) * | 2003-03-26 | 2004-10-21 | Japan Research Institute Ltd | Group fund collection method, group fund collection system, and program for group fund collection system |
| CN101908179A (en) * | 2010-08-17 | 2010-12-08 | 中国建设银行股份有限公司 | Inter-bank capital account collection management method |
| CN104318473A (en) * | 2014-10-30 | 2015-01-28 | 中国建设银行股份有限公司 | Multi-stage funds management method and system |
| CN113052594A (en) * | 2021-04-30 | 2021-06-29 | 中国银行股份有限公司 | Multi-card cooperative payment method and device based on block chain |
| CN114219629A (en) * | 2021-12-20 | 2022-03-22 | 中国农业银行股份有限公司 | Fund collection method, device, equipment and medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN115797088A (en) | 2023-03-14 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11961067B2 (en) | Splittable security token | |
| US20190207767A1 (en) | Block chain supporting multiple one-way functions used for verification of blocks | |
| WO2019073469A1 (en) | Systems and methods for storage of cryptocurrencies and transactions thereof | |
| EP3200138A1 (en) | Digital asset conversion | |
| CN110162527B (en) | Service tracing method and device based on block chain and electronic equipment | |
| CN112651724A (en) | Cross-chain interaction method, device and system | |
| CN107358524B (en) | Method for leveling funds among multiple account management lines in same currency | |
| CN115797088B (en) | User transfer method and device, electronic equipment and readable storage medium | |
| CN111488396B (en) | Data synchronization method and device for service data block chain | |
| US11823177B2 (en) | Smart contract of a blockchain for management of cryptocurrencies | |
| CN111488608A (en) | Data verification method and device for service data block chain | |
| CN111340341A (en) | Processing method and device for shared fund | |
| Lovejoy et al. | Hamilton: A {High-Performance} Transaction Processor for Central Bank Digital Currencies | |
| CN107223274B (en) | Processing method, device and the financial terminal of financial terminal business | |
| CN109146444A (en) | Virtual account creation method and device, account information update method and device | |
| CN111695136A (en) | Method and system for realizing service data block chain | |
| CN111488610A (en) | State data query method and device based on service data block chain | |
| CN112669160B (en) | Data processing method and device, electronic equipment and storage medium | |
| CN116362889A (en) | Product limit verification method and device based on cache index and computer equipment | |
| CN111488611B (en) | Relation data storage method and device of business data block chain | |
| JP2009217780A (en) | System, method, and program for processing money flow | |
| US11140094B2 (en) | Resource stabilization in a distributed network | |
| US20210374843A1 (en) | Debt Resource Management in a Distributed Ledger System | |
| US10991045B2 (en) | Blockchain-based settlement method, apparatus, and electronic device | |
| CN111161074A (en) | Block chain account balance model construction method supporting sum locking |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |