CN115983852A

CN115983852A - Fund cashing out method, device, electronic equipment and computer storage medium

Info

Publication number: CN115983852A
Application number: CN202211594218.5A
Authority: CN
Inventors: 潘金龙; 张丹莹; 涂源源
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-12-13
Filing date: 2022-12-13
Publication date: 2023-04-18

Abstract

The application discloses a fund transfer method, a fund transfer device, electronic equipment and a computer storage medium. Therefore, direct contact between the fund pool account and the external account can be cut off through the fund intermediate account, the fund pool account is prevented from being exposed to the outside, and the safety of the fund pool account is improved. In addition, the payment data are classified according to the type corresponding to the payment data, and then the total amount of the required amount is uniformly paid out from the fund pool account, so that the operation times of the fund pool account are reduced, and the possibility of errors can be reduced.

Description

Fund cashing out method, device, electronic equipment and computer storage medium

Technical Field

The present application relates to the field of fund management technologies, and in particular, to a fund dispensing method and apparatus, an electronic device, and a computer storage medium.

Background

With the continuous improvement of the informatization construction level, higher requirements are made on the safety of fund redemption payment. In the traditional fund transfer payment processing method, the payment accounts need to be checked manually one by one, after the payment accounts are checked to be correct, the system processes the payment data in batch, and the fund transfer operation is directly initiated by a fund pool account number.

The conventional method causes the safety of the fund pool account to be reduced because the external accounts of the fund pool account are in direct contact with each other. In addition, processing each payment data requires one cash-out operation from the fund pool account, and the fund pool has many operations, which results in an increased error rate.

Disclosure of Invention

The embodiment of the application provides a fund transfer method, a fund transfer device, electronic equipment and a computer storage medium, which can improve the security of a fund pool account.

In a first aspect, embodiments of the present application provide a fund withdrawal method, which may include:

under the condition of acquiring the plurality of payment data, acquiring type information of each payment data in the plurality of payment data, wherein the payment data is used for indicating funds to be redeemed to an external account;

dividing each payment data into at least one preset payment data set according to the type information of the plurality of payment data, wherein each preset payment data set comprises at least one payment data with the same type information, the at least one preset payment data set corresponds to at least one fund intermediate account one by one, and each fund intermediate account is an account between a fund pool account and at least one external account;

the fund to be redeemed, indicated by the payment data in each preset payment data set, is redeemed from the fund pool account into the fund intermediate account corresponding to the preset payment data set;

and the funds to be redeemed in each fund intermediate account are redeemed into at least one external account corresponding to the fund intermediate account.

In one embodiment, the above-mentioned step of cashing out funds to be cashed out, indicated by the payment data in each preset payment data set, from the fund pool account into the fund intermediate account corresponding to the preset payment data set includes:

the fund to be redeemed, indicated by the payment data in each preset payment data set, is redeemed from the fund pool account;

determining a first total amount of funds to be redeemed as indicated by the payment data in each of the predetermined payment data sets, and determining a second total amount of funds to be redeemed from the fund pool account associated with each of the predetermined payment data sets;

and transferring the funds corresponding to the second total amount into the corresponding fund intermediate account under the condition that the first total amount is matched with the second total amount.

In one embodiment, the determining a first total amount of money to be redeemed as indicated by the payment data in each of the predetermined payment data sets comprises:

and respectively summarizing the amount corresponding to the fund to be redeemed indicated by at least one payment data in each preset payment data set, and determining a first total amount.

In one embodiment, before the obtaining of the type information of each payment data in the plurality of payment data, the method further includes:

acquiring a payment data source file and a data processing batch corresponding to the payment data source file;

and processing the payment data source file through the concurrency manager according to the payment data source file and the data processing batch to obtain a plurality of payment data.

In one embodiment, the processing of the payment data source file by the concurrency manager according to the payment data source file and the data processing batch mentioned above to obtain a plurality of payment data includes:

processing the payment data source file through the concurrency manager according to the payment data source file and the data processing batch to obtain a processing result, wherein the processing result is used for indicating whether the processing process of the payment data source file is abnormal or not;

and under the condition that the processing result indicates that the processing process of the payment data source file is not abnormal, obtaining a plurality of payment data.

In one embodiment, the processing of the payment data source file by the concurrency manager according to the payment data source file and the data processing batch to obtain the payment data set further includes:

and generating error prompt information under the condition that the processing result indicates that the processing process of the payment data source file is abnormal.

In a second aspect, embodiments of the present application provide a funds redemption apparatus, the apparatus comprising: the system comprises an acquisition module, a determination module and a display module, wherein the acquisition module is used for acquiring the type information of each payment data in the payment data under the condition of acquiring the payment data, and the payment data is used for indicating the fund to be redeemed to an external account;

the system comprises a dividing module, a storage module and a processing module, wherein the dividing module is used for dividing each payment data into at least one preset payment data set according to the type information of a plurality of payment data, each preset payment data set comprises at least one payment data with the same type information, the at least one preset payment data set corresponds to at least one fund intermediate account one by one, and each fund intermediate account is an account between a fund pool account and at least one external account;

the first cashing module is used for cashing out the fund to be cashed, which is indicated by the payment data in each preset payment data set, from the fund pool account into the fund intermediate account corresponding to the preset payment data set;

and the second cashing module is used for cashing out the funds to be cashed out in each fund intermediate account into at least one external account corresponding to the fund intermediate account.

In a third aspect, an embodiment of the present application provides an electronic device, where the device includes:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to execute the instructions to implement a fund withdrawal method as shown in any embodiment of the first aspect.

In a fourth aspect, embodiments of the present application provide a computer storage medium having a computer program stored thereon, the computer program, when executed by a processor, implementing a method of fund redemption as shown in any one of the embodiments of the first aspect.

In a fifth aspect, the present application further provides a computer program product, the computer program product comprising a computer program stored in a readable storage medium, from which the at least one processor of the apparatus reads and executes the computer program, so that the apparatus performs the fund withdrawal method shown in any one of the embodiments of the first aspect.

Compared with the prior art, the fund cashing method, the fund cashing device, the electronic equipment and the computer storage medium have the following beneficial effects:

according to the fund cashing method, the fund cashing device, the electronic equipment and the computer storage medium, under the condition that the plurality of payment data are obtained, the type information of each payment data in the plurality of payment data is obtained, each payment data is divided into at least one preset payment data set according to the type information of the plurality of payment data, funds to be cashed, indicated by the payment data in each preset payment data set, are cashed out from a fund pool account to a fund intermediate account corresponding to the preset payment data set, and finally the funds to be cashed out in each fund intermediate account are cashed out to at least one external account corresponding to the fund intermediate account.

Therefore, direct contact between the fund pool account and the external account can be cut off through the fund intermediate account, the fund pool account is prevented from being exposed to the outside, and the safety of the fund pool account is improved. In addition, the payment data are classified according to the type corresponding to the payment data, and then the total amount of the required amount is uniformly paid out from the fund pool account, so that the operation times of the fund pool account are reduced, and the possibility of errors can be reduced.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a schematic flow diagram of a method of fund redemption provided by an embodiment of the present application;

FIG. 2 is a schematic flow chart of another method of fund withdrawal provided in an embodiment of the present application;

FIG. 3 is a schematic flow chart of yet another method of fund withdrawal provided by an embodiment of the present application;

FIG. 4 is a schematic flow chart of yet another method of fund withdrawal provided by an embodiment of the present application;

FIG. 5 is a schematic diagram of a fund withdrawal apparatus according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

Features of various aspects and exemplary embodiments of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of, and not restrictive on, the present application. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.

It should be noted that, in the technical solution of the present application, the acquisition, storage, use, processing, etc. of data all conform to the relevant regulations of the national laws and regulations.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising ...comprises 8230; "does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.

Based on the background technology, in the prior related art, the bank fund pool account needs to be directly accessed according to the payment plan defined by the invoice payable system, and the system performs batch processing operation according to the payment data to directly transfer cash in the bank fund pool account in batches to pay to the bank accounts of suppliers and employees. The scheme needs to confirm that the payment data is accurate data flow in advance, namely the input data is safe and effective, so that the safety of cash withdrawal payment of the bank fund pool account can be fully ensured.

The scheme in the prior art is suitable for a scene with an accurate payment data processing flow, and payment data are processed in batches by directly initiating from a fund pool account after manual item-by-item check is carried out without errors. At present, with the development of enterprises, the expansion of services and the increase of members participating on a supply chain, invoice payment processes and logics are continuously adjusted, the amount of enterprise payment data is gradually increased, business personnel need more time, multiple angles and multiple dimensions to check the accuracy of payment data, the safety of a capital pool account is ensured, and the traditional data processing process of directly accessing the capital pool account to convert out payment modes cannot meet the business requirements of safe payment.

In order to solve the problems in the prior art, embodiments of the present application provide a method, an apparatus, an electronic device, and a computer storage medium for cashing out funds, where in a case where multiple payment data are obtained, the type information of each payment data in the multiple payment data is obtained, then each payment data is divided into at least one preset payment data set according to the type information of the multiple payment data, funds to be cashed, indicated by the payment data in each preset payment data set, are cashed out from a fund pool account into a fund intermediate account corresponding to the preset payment data set, and finally, the funds to be cashed out in each fund intermediate account are cashed out into at least one external account corresponding to the fund intermediate account.

The method of fund withdrawal provided in the examples of the present application will be described first. As shown in fig. 1, the fund withdrawal method provided by the embodiment of the application comprises the following steps:

s101: under the condition that a plurality of payment data are obtained, obtaining type information of each payment data in the plurality of payment data, wherein the payment data are used for indicating funds to be redeemed to an external account;

s102: dividing each payment data into at least one preset payment data set according to the type information of the plurality of payment data, wherein each preset payment data set comprises at least one payment data with the same type information, the at least one preset payment data set corresponds to at least one fund intermediate account one by one, and each fund intermediate account is an account between a fund pool account and at least one external account;

s103: the fund to be redeemed indicated by the payment data in each preset payment data set is redeemed from the fund pool account into a fund intermediate account corresponding to the preset payment data set;

s104: and the funds to be redeemed in each fund intermediate account are redeemed into at least one external account corresponding to the fund intermediate account.

The embodiment of the application provides a fund cashing method, under the condition that a plurality of payment data are obtained, the type information of each payment data in the plurality of payment data is obtained, then each payment data is divided into at least one preset payment data set according to the type information of the plurality of payment data, funds to be cashed, indicated by the payment data in each preset payment data set, are cashed out from a fund pool account into a fund intermediate account corresponding to the preset payment data set, and finally the funds to be cashed out in each fund intermediate account are cashed out into at least one external account corresponding to the fund intermediate account.

In S101, in an example, the type information of the plurality of payment data may be the payment subject responsibility institution corresponding to the payment data, for example, may be each level bank number. In addition, the type information may also be a corresponding type of the redemption object of the payment data, which is not limited herein.

In S102, in one example, according to the payment subject responsibility institution of the plurality of payment data, each primary line number is split into the plurality of payment data, so as to divide each payment data into at least one preset payment data set. The at least one preset payment data set corresponds to the at least one fund intermediate account one by one, wherein the fund intermediate account can be configured, validated and invalidated on the front-end interface according to actual requirements.

In one example, the same type of data in each payment data is classified through classification conversion, the data enters a fund cashing unit, the cashing data is divided, each cashing unit has a respective input port and an output port, the cashing unit sums the total transfer amount, and the total transfer amount is cashed out from the fund pool account at one time. The service personnel checks the amount of money to be paid, compares whether the amount of money is consistent or not, and submits the payment main control program after the payment main control program is confirmed to be correct.

In S103, the funds to be redeemed indicated by the payment data in each of the predetermined payment data sets may be funds to be redeemed from a fund pool account into each of the fund intermediate accounts, and the fund pool account transfers at least a portion of the corresponding funds into each of the fund capital accounts according to the amount of the funds to be redeemed indicated by the payment data in each of the predetermined payment data sets.

In S104, in one example, funds to be redeemed in each of the intermediary funds accounts are redeemed into at least one of the external accounts for the amount of funds to be redeemed and the corresponding external account indicated by the plurality of payment data. Wherein each payment data includes its corresponding specific external account and the amount of funds to be redeemed. In a specific embodiment, the fund intermediate accounts are processed concurrently, and the fund intermediate accounts are processed item by item according to the detail of the payment data corresponding to the fund intermediate accounts, so that the fund in the fund intermediate accounts is released to the bank account of the payment object, and the fund releasing operation is completed.

To improve the accuracy of the fund withdrawal process for the fund pool account, as shown in fig. 2, S103 may include:

s1031: the fund to be redeemed indicated by the payment data in each preset payment data set is redeemed from the fund pool account;

s1032: determining a first total amount of funds to be redeemed as indicated by the payment data in each of the predetermined payment data sets, and determining a second total amount of funds to be redeemed from the fund pool account associated with each of the predetermined payment data sets;

s1033: and transferring the funds corresponding to the second total amount into the corresponding fund intermediate account under the condition that the first total amount is matched with the second total amount.

By matching the first total amount of the funds to be redeemed, which is indicated by the payment data in each preset payment data set, and the second total amount of the funds redeemed from the fund pool account and associated with each preset payment data set, whether the funds corresponding to the second total amount are transferred to the corresponding fund intermediate account is determined, and the accuracy of the fund redemption process of the fund pool account can be improved.

In S1031, in one example, the fund withdrawal master control program draws an amount of money from the fund pool account based on the total amount of money to be withdrawn from each of the fund intermediate accounts.

In S1032, in an example, the first total amount is determined according to the to-be-redeemed funds indicated by the payment data in the preset payment data set corresponding to each fund intermediate account, and the second total amount is determined according to the amount of one money drawn from the fund pool account in S1031.

In one example, the amount corresponding to the fund to be redeemed and indicated by at least one payment data in each preset payment data set is respectively summarized, and the first total amount is determined. For example, the sum of the funds to be redeemed corresponding to all the payment data in the preset payment data set a is summarized to obtain a first total sum corresponding to the preset payment data set a.

In S1033, in one example, the first total amount and the second total amount are checked, and when the first total amount and the second total amount match, a fund withdrawal operation is performed to transfer funds corresponding to the second total amount into the corresponding fund intermediate account.

In order to improve the efficiency of the fund withdrawal operation from the fund pool account, as shown in fig. 3, before S101, the method may further include:

s301: acquiring a payment data source file and a data processing batch corresponding to the payment data source file;

s302: and processing the payment data source file through the concurrency manager according to the payment data source file and the data processing batch to obtain a plurality of payment data.

The payment data source file and the corresponding data processing batch are processed through the concurrency manager to obtain a plurality of payment data, and the efficiency of fund withdrawal operation from the fund pool account can be improved.

In S301, in one example, each data source file has its corresponding data processing batch. In a specific embodiment, the upstream data source file is received regularly, and the non-imported data source file is processed regularly by the financial system. And calling an EBS concurrent processor to configure optimal resource configuration processing, wherein each file unit provides data processing capacity and contains an effective combination of a plurality of request units, and each subdata file enters the same data set after being processed independently to form a payment data set.

In S302, in a specific embodiment, according to each data source file and its corresponding data processing batch, each file starts a sub-process through the concurrence manager of the EBS, and the task manager triggers to invoke the optimal resource configuration.

To improve the accuracy of the fund withdrawal operation on the fund pool account, as shown in fig. 4, S302 may include:

s3021: processing the payment data source file through the concurrency manager according to the payment data source file and the data processing batch to obtain a processing result, wherein the processing result is used for indicating whether the processing process of the payment data source file is abnormal or not;

s3022: and obtaining a plurality of payment data under the condition that the processing result indicates that the processing process of the payment data source file is not abnormal.

By detecting whether an abnormality occurs in the process of processing the payment data source file, the accuracy of fund transfer operation on the fund pool account can be improved.

In S3021, a processing result is obtained after the payment data source file is processed according to the payment data source file and the data processing lot corresponding thereto. The processing result may indicate that an abnormality occurs in the process of processing the payment data source file through an audible and visual prompt or through a prompt of the display plug-in the display interface, which is not limited herein.

In S3022, in one example, in a case where the processing result indicates that an abnormality has occurred in the processing of the payment data source file, an error notice information is generated. In another example, an error prompt message is generated in the event that the processing result indicates that an exception has occurred in the processing of the payment data source file. In addition, after the error prompt information is generated, corresponding information can be recorded in the control table, so that the user can track the process of circulation among the steps.

Based on the fund withdrawal method provided in the foregoing embodiments, accordingly, as shown in fig. 5, the present embodiment provides a fund withdrawal apparatus 500, which may include:

an obtaining module 501, configured to obtain type information of each payment data in the plurality of payment data when the plurality of payment data are obtained, where the payment data are used to indicate funds to be redeemed to an external account;

a dividing module 502, configured to divide each payment data into at least one preset payment data set according to type information of a plurality of payment data, where each preset payment data set includes at least one payment data with the same type information, and the at least one preset payment data set corresponds to at least one fund intermediate account one by one, and each fund intermediate account is an account between a fund pool account and at least one external account;

a first cashing module 503, configured to cash out the funds to be redeemed, indicated by the payment data in each preset payment data set, from the fund pool account into a fund intermediate account corresponding to the preset payment data set;

and a second redemption module 504 for redeeming funds to be redeemed in each of the intermediate funds accounts into at least one external account corresponding to the intermediate funds account.

In the fund cashing device 500 according to the embodiment of the application, when the obtaining module 501 obtains a plurality of payment data, the dividing module 502 divides each payment data into at least one preset payment data set according to the type information of the plurality of payment data by obtaining the type information of each payment data in the plurality of payment data, the first cashing module 503 cashs out the fund to be cashed indicated by the payment data in each preset payment data set into the fund intermediate account corresponding to the preset payment data set from the fund pool account, and finally the second cashing module 504 cashing out the fund to be cashed out from each fund intermediate account into at least one external account corresponding to the fund intermediate account.

To improve the accuracy of the fund withdrawal process for the fund pool account, in one embodiment, the first withdrawal module may comprise:

the cashing unit is used for cashing out the fund to be cashed, which is indicated by the payment data in each preset payment data set, from the fund pool account;

a determination unit, configured to determine a first total amount of funds to be redeemed, indicated by the payment data in each of the preset payment data sets, and determine a second total amount of funds to be redeemed from the fund pool account, associated with each of the preset payment data sets;

and the transfer unit is used for transferring the funds corresponding to the second total amount into the corresponding fund intermediate account under the condition that the first total amount is matched with the second total amount.

In order to improve the accuracy of the fund withdrawal process of the fund pool account, in one embodiment the determining unit may be specifically configured to:

and respectively summarizing the amount corresponding to the fund to be redeemed and indicated by at least one payment data in each preset payment data set, and determining a first total amount.

To increase the efficiency of the money transfer operation on the money pool account, in one embodiment, the money transfer apparatus may further include:

the data acquisition module is used for acquiring the payment data source file and a data processing batch corresponding to the payment data source file;

and the data processing module is used for processing the payment data source file through the concurrency manager according to the payment data source file and the data processing batch to obtain a plurality of payment data.

To improve the accuracy of the fund withdrawal process for the fund pool account, in one embodiment, the data processing module may comprise:

the payment data source file processing unit is used for processing the payment data source file through the concurrency manager according to the payment data source file and the data processing batch to obtain a processing result, and the processing result is used for indicating whether the processing process of the payment data source file is abnormal or not;

and the first exception processing unit is used for obtaining a plurality of payment data under the condition that the processing result indicates that the processing process of the payment data source file is not abnormal.

To improve the accuracy of the fund withdrawal process for the fund pool account, in one embodiment, the data processing module may further comprise:

and the second exception handling unit is used for generating error prompt information under the condition that the processing result indicates that the processing process of the payment data source file is abnormal.

Based on the fund cashing method and device provided by the above embodiments, the embodiment of the present application further provides an electronic device 600, as shown in fig. 6:

comprises a processor 601, a memory 602, and a computer program stored on the memory 602 and capable of running on the processor 601, wherein the computer program realizes each process of the fund withdrawal method embodiment when being executed by the processor 601, and can achieve the same technical effect.

Specifically, the processor 601 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.

Memory 602 may include mass storage for data or instructions. By way of example, and not limitation, memory 602 may include a Hard Disk Drive (HDD), a floppy Disk Drive, flash memory, an optical Disk, a magneto-optical Disk, a tape, or a Universal Serial Bus (USB) Drive or a combination of two or more of these. Memory 602 may include removable or non-removable (or fixed) media, where appropriate. The memory 602 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 602 is a non-volatile solid-state memory.

In particular embodiments, memory may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to the methods according to an aspect of the application.

The processor 601 may implement any of the above-described embodiments of the fund withdrawal method by reading and executing computer program instructions stored in the memory 602.

In one example, the electronic device may also include a communication interface 603 and a bus 610. As an example, as shown in fig. 6, the processor 601, the memory 602, and the communication interface 603 are connected via a bus 610 and perform communication with each other.

The communication interface 603 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present application.

Bus 610 includes hardware, software, or both to couple the components of the online data traffic billing device to each other. By way of example, and not limitation, a bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hypertransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus or a combination of two or more of these. Bus 610 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

The embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the above-mentioned fund cashing method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

It is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions or change the order between the steps after comprehending the spirit of the present application.

The functional blocks shown in the above structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include an electronic circuit, a semiconductor memory device, a ROM, a flash memory, an Erasable ROM (EROM), a floppy disk, a CD-ROM, an optical disk, a hard disk, an optical fiber medium, a Radio Frequency (RF) link, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed at the same time.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of 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, 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, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based computer instructions which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As will be apparent to those skilled in the art, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.

Claims

1. A method of fund redemption, comprising:

acquiring type information of each payment data in a plurality of payment data under the condition of acquiring the plurality of payment data, wherein the payment data is used for indicating funds to be redeemed to an external account;

dividing each piece of payment data into at least one preset payment data set according to the type information of the plurality of pieces of payment data, wherein each preset payment data set comprises at least one piece of payment data with the same type information, the at least one preset payment data set corresponds to at least one fund intermediate account in a one-to-one mode, and each fund intermediate account is an account between a fund pool account and at least one external account;

cashing out the funds to be cashed out, indicated by the payment data in each preset payment data set, from the fund pool account into a fund intermediate account corresponding to the preset payment data set;

2. The method of claim 1, wherein the redeeming funds indicated by the payment data in each of the preset payment data sets from the fund pool account into the fund intermediate account corresponding to the preset payment data set comprises:

cashing out funds to be cashed out, indicated by the payment data in each of the preset payment data sets, from the fund pool account;

determining a first total amount of funds to be redeemed as indicated by the payment data in each of the preset payment data sets, and determining a second total amount of funds to be redeemed from the fund pool account associated with each of the preset payment data sets;

and transferring funds corresponding to the second total amount into the corresponding fund intermediate account under the condition that the first total amount is matched with the second total amount.

3. The method of claim 2, wherein determining a first total amount of funds to be redeemed as indicated by the payment data in each of the predetermined sets of payment data comprises:

and respectively summarizing the amount corresponding to the fund to be redeemed indicated by the at least one payment data in each preset payment data set, and determining a first total amount.

4. The method of claim 1, wherein before obtaining the type information of each of the plurality of payment data, further comprising:

and processing the payment data source file through a concurrency manager according to the payment data source file and the data processing batch to obtain the plurality of payment data.

5. The method of claim 4, wherein processing the payment data source file by a concurrency manager from the payment data source file and the data processing batch to obtain the plurality of payment data comprises:

processing the payment data source file through a concurrency manager according to the payment data source file and the data processing batch to obtain a processing result, wherein the processing result is used for indicating whether the processing process of the payment data source file is abnormal or not;

and under the condition that the processing result indicates that the processing process of the payment data source file is not abnormal, obtaining the plurality of payment data.

6. The method of claim 5, wherein processing the payment data source file by a concurrency manager from the payment data source file and the data processing batch to obtain a payment data set further comprises:

7. A money redemption apparatus, the apparatus comprising:

the system comprises an acquisition module, a determination module and a processing module, wherein the acquisition module is used for acquiring the type information of each payment data in a plurality of payment data under the condition of acquiring the plurality of payment data, and the payment data is used for indicating funds to be redeemed to an external account;

the system comprises a dividing module, a storage module and a processing module, wherein the dividing module is used for dividing each payment data into at least one preset payment data set according to the type information of a plurality of payment data, each preset payment data set comprises at least one payment data with the same type information, the at least one preset payment data set corresponds to at least one fund intermediate account in a one-to-one mode, and each fund intermediate account is an account between a fund pool account and at least one external account;

a first cashing module, configured to cash out funds to be cashed out, indicated by the payment data in each of the preset payment data sets, from the fund pool account into a fund intermediate account corresponding to the preset payment data set;

8. An electronic device, characterized in that the device comprises: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the funds redemption method of any of claims 1-6.

9. A computer-readable storage medium having computer program instructions stored thereon that, when executed by a processor, implement the method of fund redemption according to any one of claims 1-6.

10. A computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the method of fund redemption according to any one of claims 1-6.