CN116862665A - Funds replacing method, device, equipment and storage medium - Google Patents
Funds replacing method, device, equipment and storage medium Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 70
- 238000012546 transfer Methods 0.000 claims description 16
- 238000012545 processing Methods 0.000 claims description 10
- 238000010257 thawing Methods 0.000 claims description 5
- 230000008014 freezing Effects 0.000 claims description 2
- 238000007710 freezing Methods 0.000 claims description 2
- 230000007306 turnover Effects 0.000 abstract description 12
- 238000006467 substitution reaction Methods 0.000 description 10
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Abstract
The invention relates to the field of computers and discloses a fund issuing method, a device, equipment and a storage medium, wherein when receiving a fund credit application of a user, the method adds transaction funds into a user account of the user based on the fund credit application; when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request; the owned funds and the transaction funds in the user account are issued to the collection account based on the issuing fund table. The novel loan type of sending instead of financing is realized because the transaction funds can be applied when the funds are sent instead of sending, so that the sending instead of sending needs of more enterprise users can be met, the funds turnover pressure of a slight small enterprise is slowed down, and the funds turnover flexibility of the users is improved.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method, an apparatus, a device, and a storage medium for funds replacement.
Background
With the development of economy, more and more companies or units have funds replacement demands, and the diversification of funds replacement functions is also required to be higher and higher.
The existing generation service type only supports transaction under the condition of sufficient owned funds, and when the owned funds of a user are insufficient, the condition of delay of generation of funds possibly occurs, so that the user experience is affected.
The foregoing is provided merely for the purpose of facilitating understanding of the technical solutions of the present invention and is not intended to represent an admission that the foregoing is prior art.
Disclosure of Invention
The invention mainly aims to provide a fund replacing method, device, equipment and storage medium, and aims to solve the problem that in the prior art, the existing replacing service type only supports transaction under the condition of sufficient owned funds, and when the owned funds of a user are insufficient, the situation of delayed fund replacing can occur, so that user experience is affected. Technical problem.
To achieve the above object, the present invention provides a funds replacement method, the method comprising the steps of:
adding transaction funds in a user account of a user based on a fund credit application when the fund credit application of the user is received;
when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request;
and substituting the owned funds in the user account and the transaction funds into the collection account based on the substitute fund sheet.
Optionally, after the step of adding transaction funds in the user account of the user based on the funds credit application, the method includes:
freezing the transaction funds as the transaction funds are added to the user account;
correspondingly, when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request, including:
and when receiving a fund issuing request of a user, thawing the transaction fund, and determining a fund issuing mode, an issuing fund list and a collection account according to the fund issuing request.
Optionally, the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table includes:
when the fund replacing mode is self fund replacing, determining the replacing amount to be replaced to each collection account based on the fund replacing table;
and substituting the owned funds into each collection account according to the to-be-substituted amount of each collection account.
Optionally, the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table further comprises:
when the fund replacing mode is transaction fund replacing, determining the to-be-replaced amount which is replaced to each collection account based on the fund replacing table;
and substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account.
Optionally, after the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table, the method further comprises:
and when the funds are failed to be replaced, returning the to-be-replaced amount to a fund source, wherein the fund source is owned funds or transaction funds.
Optionally, the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table further comprises:
when the fund replacing mode is joint replacing, determining the replacing amount to be replaced to each collecting account based on the fund replacing table;
acquiring a joint dispensing proportion selected by a user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the amount to be dispensed of each collection account.
Optionally, after the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table, the method further comprises:
when the funds replace and send out the failure, confirm the funds of the amount of money of waiting to send out and construct according to the proportion of said joint to send out instead;
and returning the to-be-sent amount to the owned funds and the transaction funds of the user according to the funds composition.
In addition, in order to achieve the above object, the present invention also provides a funds replacing device, which includes:
the transaction fund management module is used for adding transaction fund into a user account of a user based on the fund credit application when receiving the fund credit application of the user so as to enable the user to send a request instead of the transaction fund based on the fund feedback in the user account, wherein the fund in the user account comprises owned fund and transaction fund;
the system comprises a request processing module, a fund issuing module and a payment receiving module, wherein the request processing module is used for determining a fund issuing list and a payment receiving account according to the fund issuing request when receiving the fund issuing request of a user;
and the fund replacing module is used for replacing the owned funds in the user account and the transaction funds to the collection account based on the replacing fund list.
In addition, to achieve the above object, the present invention also proposes a funds replacement apparatus, the apparatus comprising: a memory, a processor, and a funds transfer program stored on the memory and executable on the processor, the funds transfer program configured to implement the steps of the funds transfer method as described above.
In addition, to achieve the above object, the present invention also proposes a storage medium having stored thereon a fund replacement program which, when executed by a processor, implements the steps of the fund replacement method as described above.
When receiving a fund credit application of a user, adding transaction funds into a user account of the user based on the fund credit application; when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request; the owned funds and the transaction funds in the user account are issued to the collection account based on the issuing fund table. The novel loan type of sending instead of financing is realized because the transaction funds can be applied when the funds are sent instead of sending, so that the sending instead of sending needs of more enterprise users can be met, the funds turnover pressure of a slight small enterprise is slowed down, and the funds turnover flexibility of the users is improved.
Drawings
FIG. 1 is a schematic diagram of a hardware operating environment fund replacement device according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of the funds transfer method of the present invention;
FIG. 3 is a schematic workflow diagram of a first embodiment of the funds transfer method of the invention;
fig. 4 is a block diagram of a first embodiment of the funds transfer apparatus of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Referring to fig. 1, fig. 1 is a schematic diagram of a fund replacement device in a hardware operation environment according to an embodiment of the present invention.
As shown in fig. 1, the funds-dispensing device may include: a processor 1001, such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, a memory 1005. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a Wireless interface (e.g., a Wireless-Fidelity (Wi-Fi) interface). The Memory 1005 may be a high-speed random access Memory (Random Access Memory, RAM) or a stable nonvolatile Memory (NVM), such as a disk Memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the structure shown in fig. 1 is not limiting of the funds dispensing apparatus and may include more or fewer components than shown, or certain components in combination, or a different arrangement of components.
As shown in fig. 1, an operating system, a network communication module, a user interface module, and a funding agent may be included in the memory 1005 as one type of storage medium.
In the funds transfer apparatus shown in fig. 1, the network interface 1004 is mainly used for data communication with a network server; the user interface 1003 is mainly used for data interaction with a user; the processor 1001 and the memory 1005 in the funds substituting device of the invention may be disposed in the funds substituting device, and the funds substituting device calls the funds substituting program stored in the memory 1005 through the processor 1001 and executes the funds substituting method provided by the embodiment of the invention.
An embodiment of the present invention provides a funds replacing method, referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the funds replacing method of the present invention.
In this embodiment, the fund replacing method includes the following steps:
step S10: upon receiving a user's funds credit application, transaction funds are added to the user's user account based on the funds credit application.
It should be noted that, the execution body of the method of this embodiment may be a terminal device having functions of data processing, request identification and program running, such as a computer, a server, etc., or may be an electronic device having the same or similar functions, such as the above-mentioned funds dispensing device. Hereinafter, this embodiment and the following embodiments will be described with reference to a funds transfer device (hereinafter referred to as a transfer device).
It will be appreciated that the above funds transfer is an application initiated by the user to the funds transfer device via the terminal device. Upon receipt of the funds credit application by the dispensing device, the funds dispensing needs of the user may be determined.
It should be noted that, the fund loan application is a loan application initiated to the issuing device when the user's own fund amount is insufficient. When the own funds of the user are insufficient, a funds credit application can be initiated to the issuing equipment, and when the funds credit application of the user is received, transaction funds can be added to the user account of the user by the issuing equipment.
It should be noted that, the owned funds are the available funds actually owned in the user account, and the transaction funds are transaction funds added to the user account according to the user's funds credit application.
It should be appreciated that the above-described transaction funds can only be used for funds replacement, and in order to prevent the user from using the transaction funds for other purposes, the transaction funds may be frozen or a corresponding loan identifier may be added to the loan account of the transaction funds, thereby preventing the user from using the transaction funds themselves.
It should be noted that, in order to distinguish owned funds in the user account, the user account is divided by the owned funds account and the loan funds account in the following embodiments of the present invention, the owned funds actually owned in the user account may be stored in the owned funds account, and the transaction funds useful for the loan in the user account may be stored in the loan funds account.
It should be appreciated that the above-described naming of the functional distinction between owned and loan funds accounts is for convenience of explanation, and not the actual distinction among the user accounts. In practical use, the user account may or may not be divided, which is not limited in this embodiment.
In a specific implementation, the issuing device adds transaction funds to a user account of the user based on the funds credit application when the funds credit application of the user is received.
Step S20: and when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request.
It should be understood that the above-mentioned request for funds replacement is a request initiated by the user when funds replacement is required, and the replacing device may perform providing funds replacement service for the user when receiving the request for funds replacement.
It should be noted that, the above-mentioned request for replacing funds and request for replacing funds may be sent manually by the user, or may be sent automatically based on a rule defined by the user.
It is understood that substitution is a common economic transaction activity. Its advent has brought much convenience and opportunity for business development and personal convenience improvement. The fund generation can be generally used for enterprise generation, financial generation, personal generation and the like, such as paying payroll, paying social security, paying water and electricity fees, paying tax fee, collecting accounts and the like. In a scenario where funds are required to be replaced, it may be a timed funds transaction, so the user may be preset with replacement rules to effect periodic sending of funds replacement requests or funds replacement requests. When the balance in the user account is insufficient to complete the issuing, a funds credit application may be automatically initiated to the issuing device to obtain the transaction funds.
It should be noted that, the foregoing fund replacement table is a table generated according to the fund replacement request of the user, and according to the fund replacement table and the collection account, the fund replacement mode in the user account can be determined, and the corresponding fund is replaced to the collection account.
In a specific implementation, when receiving a fund issuing request of a user, the issuing equipment determines an issuing fund list and a collection account according to the fund issuing request.
Step S30: and substituting the owned funds in the user account and the transaction funds into the collection account based on the substitute fund sheet.
It should be appreciated that the above-described fund sheet may be used to describe the amount of funds to be sent instead to each collection account, as well as the source of the amount.
Note that the above-mentioned amount source may be an own fund account or a loan fund account, which is not limited in this embodiment.
It can be understood that the fund replacement is performed through the fund replacement table, so that the accuracy and the effectiveness of the fund replacement are ensured.
In a specific implementation, the issuing device issues free funds and transaction funds in the user account to the collection account based on an issuing fund table.
When receiving a fund credit application of a user, the method adds transaction funds in a user account of the user based on the fund credit application; when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request; free funds in the user account and transactional funds are issued to the collection account based on the issuing fund table. The novel loan type of sending instead of financing is realized because the transaction funds can be applied when the funds are sent instead of sending, so that the sending instead of sending needs of more enterprise users can be met, the funds turnover pressure of a slight small enterprise is slowed down, and the funds turnover flexibility of the users is improved.
In one implementation, to prevent the user from transferring the transaction funds to a public account or an off-line personal card, the loan funds may be temporarily frozen after the user has successfully applied for the loan. That is, after the step of adding transaction funds in the user account of the user based on the funds credit application, the steps of:
the transaction funds are frozen when the transaction funds are added to the user account.
It will be appreciated that after the transaction funds are frozen, the user cannot call the transaction funds, and the issuing device can identify the user's issuing request to defrost the transaction funds, so that the transaction funds can only be used for funds issuing.
It will be appreciated that in conducting such a dispensing service, the loan transaction funds need to be tightly regulated to limit their directional flow so that they can only be used for dispensing services, and the banned payee is an off-line personal card to the public/banned payee, enhancing the level of funds administration.
Specifically, when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request, including:
and when receiving a fund issuing request of a user, thawing the transaction fund, and determining a fund issuing mode, an issuing fund list and a collection account according to the fund issuing request.
When receiving a request for funds replacement from a user, the replacing device may defrost transaction funds through a preset replacing service to replace funds.
It should be understood that the foregoing preset issuing service is a service that may be provided to the user through the issuing service interface in the issuing device so as to implement the user funds issuing function, through which frozen transaction funds may be thawed, and funds in the user account may be issued to each collection account based on the issuing fund table and the funds issuing manner. Specifically, the issuing device may provide a visual issuing interface for the user, so that the user performs an issuing operation, and the issuing device may generate a fund issuing request according to the issuing operation of the user, and trigger a fund thawing process and perform fund issuing when the current time reaches the issuing time in the fund issuing request.
Further, according to the standard requirements of internal and external regulations such as back money laundering and anti-fraud on the loan business of automatic air control, the financing loan is restricted to a preset fund account, so that money laundering and fraud possibly caused by using other fund accounts are avoided.
The preset fund account may be an account set according to a user demand, and the collection account and the user account belong to the preset fund account.
According to different generation demands, the following three processing modes are adopted in the embodiment:
and (5) performing super-network substitution: when a user selects an internet-super channel to perform a substituting operation, firstly, carrying out account identification number identification on a collecting account of the user, checking whether the collecting party is a standard Unionpay account, and if the collecting party is the non-standard Unionpay account after the account identification number identification, limiting the fund substituting operation; and when the identification result is the standard Unionpay account, continuously identifying whether the identification result is the preset fund account, if so, performing the replacing operation, otherwise, limiting the replacing operation.
Size generation: when the user selects the large and small channels to perform the issuing operation, the user can judge through the bank to which the collection account belongs, and if the user does not belong to the preset bank, the issuing operation is limited.
Intelligent routing generation: when a user selects an intelligent routing channel to perform a shipping operation, the channel supports hybrid shipping of super-network channels and large and small channels, so that when the intelligent routing is used for shipping, the two-point verification mode is combined to verify whether shipping of financing credit is allowed.
It should be noted that, the standard Unionpay account is also referred to as a standard Unionpay card, and the account identification number is also referred to as an identification number for uniquely identifying the standard Unionpay card.
It should be noted that the above-mentioned fund replacement method may include: native funds generation, transaction funds generation and joint generation.
It should be understood that the foregoing self-fund replacing method is to replace fund by self-fund in the user account, so as to implement the fund replacing service. The transaction funds replacing and transmitting is to replace the transaction funds in the user account, so that the funds replacing and transmitting service is realized. The joint funds generation is to perform combined funds generation through transaction funds and owned funds in a user account, so that funds generation service is realized.
It should be noted that, the funds replacing method may be determined according to the funds replacing request of the user, and if the user does not select the funds replacing method, funds replacing is performed in a default funds replacing method. In this embodiment, the default funds replacement method is transaction funds replacement. Of course, the default funds replacing mode in the embodiment does not form a limitation of the default funds replacing mode in the practical application of the scheme, and the default funds replacing mode in the scheme can be self funds replacing, transaction funds replacing or joint replacing, and the embodiment is not limited in this way.
In this embodiment, when the transaction funds are added to the user account, the transaction funds are frozen, and when the user's funds substitution request is received, the transaction funds are thawed for funds substitution. The trade funds are prevented from being used as other paths by clients, strict management and control of the trade funds are realized, the directional flow of the trade funds is ensured, and the supervision of the funds is enhanced.
Referring to fig. 3, fig. 3 is a schematic workflow diagram of a first embodiment of the funds transfer method of the invention.
It will be appreciated that at the beginning of the funds transfer, the user may initiate a funds credit application to the transfer device, and if the application fails, the funds transfer is terminated and the cause of the failure is sent to the user.
It should be noted that, the issuing equipment can automatically detect the credit of the user, the amount to be paid, etc., if the amount to be paid or the credit of the user is too low, the received fund credit application can be discarded, and a corresponding message notification is sent to the user.
It will be appreciated that upon successful funds credit application, the dispensing device may add transaction funds to the user's user account and freeze the added transaction funds to direct circulation of the transaction funds.
It should be appreciated that when the issuing device receives a funds issuing request initiated by a user based on the issuing service interface, the transaction funds are thawed and funds issuing operations are performed. If the funds are failed to be sent instead, returning the funds which are failed to be sent instead to the user account, and refreezing the returned transaction funds to wait for the next funds to be sent instead to request for thawing.
It will be appreciated that this task may be terminated when the funds transfer operation is successful.
Based on the first embodiment of the funds dispensing method of the invention as described above, a second embodiment of the funds dispensing method of the invention is presented in order to achieve the handling of different funds dispensing modes.
The step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table comprises:
when the fund replacing mode is self fund replacing, determining the replacing amount to be replaced to each collection account based on the fund replacing table;
and substituting the owned funds into each collection account according to the to-be-substituted amount of each collection account.
It should be appreciated that where the funds are distributed by self-funds, the funds distribution table may be used to characterize the amount of self-funds distributed to each collection account. And according to the fund substitution list, substituting the to-be-substituted amount corresponding to the own fund amount to each collection account.
In the specific implementation, when the fund replacing mode is self fund replacing, determining the replacing amount to be replaced to each collection account based on the fund replacing table; and according to the to-be-sent amount of each collection account, self-contained funds are sent to each collection account instead.
Further, the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table further comprises:
when the fund replacing mode is transaction fund replacing, determining the to-be-replaced amount which is replaced to each collection account based on the fund replacing table;
and substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account.
It should be appreciated that where the funds are instead distributed as transactional funds, the funds instead list may be used to characterize the amount of transactional funds distributed to each collection account. And according to the fund substitution list, substituting the to-be-substituted amount corresponding to the transaction fund amount to each collection account.
In the specific implementation, when the fund replacing mode is transaction fund replacing, determining the to-be-replaced amount which is replaced to each collection account based on the fund replacing table; and substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account.
Further, the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table further comprises:
when the fund replacing mode is joint replacing, determining the replacing amount to be replaced to each collecting account based on the fund replacing table;
acquiring a joint dispensing proportion selected by a user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the amount to be dispensed of each collection account.
When the joint dispensing is used, the joint dispensing proportion selected by the user is firstly obtained, and the own funds and the transaction funds of the corresponding accounts are determined according to the joint dispensing proportion, so that the amount to be dispensed of the corresponding funds is dispensed from the own funds accounts and the transaction funds accounts to each collection account.
It should be explained that the calculation mode of the own funds limit and the transaction funds limit can be selected according to the actual situation, which is not limited in this embodiment. This embodiment is described by taking the way of rounding and reserving the four bits after the decimal point as an example.
It should be noted that, in the embodiment of the present invention, when calculating, the own funds amount is calculated first, and then the corresponding transaction funds amount is calculated according to the amount to be sent and the own funds amount.
It should be appreciated that in this embodiment, to facilitate flexible funds distribution, each collection account may correspond to a different joint dispensing rate, which is not limiting in this embodiment.
In the specific implementation, when the fund replacing method is joint replacing, determining the replacing amount to be replaced to each collecting account based on the fund replacing table; acquiring the joint dispensing proportion selected by the user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the to-be-dispensed amount of each collection account.
When the fund replacing method is self fund replacing, the method determines the amount to be replaced, which is replaced to each collection account, based on the fund replacing table; according to the to-be-sent amount of each collection account, self funds are sent to each collection account in a substituted way; when the fund replacing mode is transaction fund replacing, determining the waiting replacing amount which is replaced to each collection account based on the fund replacing table; substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account; when the fund replacing mode is combined replacing, determining the replacing amount to be replaced to each collecting account based on the fund replacing table; acquiring the joint dispensing proportion selected by the user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the to-be-dispensed amount of each collection account. The fund replacing service is provided for the user through different fund replacing modes, so that flexible replacing is realized, the flexible replacing requirement of more enterprise users is met, the fund turnover pressure of a slight small enterprise is slowed down, and the fund turnover flexibility of the user is improved.
Based on the above embodiments, there are three dispensing situations when funds are being dispensed. The first case is that this generation is entirely successful. The second case is that this time the tape-out failed entirely and the third case failed partly. For the case of total failure or partial failure, where there is a case of returning funds, a third embodiment of the method of the present invention is presented in order to return funds that failed to be sent instead.
In this embodiment, after the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the substitute fund table, the method further includes:
and when the funds are failed to be replaced, returning the to-be-replaced amount to a fund source, wherein the fund source is owned funds or transaction funds.
It should be noted that, when the self-owned funds or the transaction funds are used alone for funds replacement, the amount to be replaced can be returned to the funds source directly according to the replacement item with the replacement failure.
It should be explained that, the above-mentioned issuing items are subtasks for funds issuing, for example, if the number of collection accounts for funds issuing is 10, ten funds issuing subtasks exist, that is, issuing items. And when the funds issuing subtask with issuing failure exists, acquiring a funds issuing method of the funds issuing subtask, and if the funds issuing method is the owned funds issuing method or the transaction funds issuing method, returning the to-be-issued amount to the corresponding owned funds account or the transaction funds account.
It should be understood that when the joint generation ratio is: the occurrence of the next generation as an occurrence of the owned funds may be described when the owned funds are 100% and the transacted funds are 0%. When the joint substitution ratio is: the generation may be described as transaction fund generation when the owned fund is 0% and the transaction fund is 100%.
After the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table, the method further comprises:
when the funds replace and send out the failure, confirm the funds of the amount of money of waiting to send out and construct according to the proportion of said joint to send out instead;
and returning the to-be-sent amount to the owned funds and the transaction funds of the user according to the funds composition.
When the funds are failed to be distributed, the distributing device can acquire the distributing failure amount corresponding to the failed distributing item of the distributing failure. And determining the fund composition of the to-be-issued amount according to the joint issue proportion, and returning the issue amount to the own fund account and the transaction fund account of the user.
It will be appreciated that the funds described above are configured as an owned funds amount and a transacted funds amount in the amount to be distributed.
In one application scenario, there are 100 self-funds, 200 self-funds, 0.3333 (33.33%) of self-funds, and 0.6667 (66.67%) of loan funds.
When the specific withdrawal amount is calculated, the withdrawal amount of own funds is calculated on the whole, then the withdrawal amount of loan funds is calculated, and finally the total verification is combined.
When the returned amount is calculated, if batch failure occurs, the decimal point four-bit batch calculation is firstly performed according to the unit of element, after batch calculation is completed, rounding is performed, the amount of the four houses is moved to the loan fund to be returned, and the amount of the five houses is pulled back from the loan fund to be returned at the own fund.
For example: 100 self-owned funds, 200 loan funds, 0.3333 (33.33%) self-owned funds, 0.6667 (66.67%) loan funds. The total success of the substitution is 120 yuan, 180 yuan is unsuccessful, 180 yuan is the sum of two substitution failure amounts in one substitution task, one 150 yuan, and one 30 yuan, then:
own funds withdrawal amount (first stroke) =150×0.3333= 49.9950 yuan;
own funds withdrawal amount (second) =30×0.3333= 9.9990 yuan;
the accumulated withdrawal amount of own funds (first stroke+second stroke) =49.9950+9.9990= 59.9940 yuan, and finally withdrawing 59.99 yuan of own funds (tail difference 0.0040 yuan, moved to withdraw loan funds);
loan funds withdrawal amount (first stroke) =150×0.6667= 100.0050 yuan;
loan funds withdrawal amount (first stroke) =30×0.6667= 20.0010 yuan;
the loan funds accumulated return amount (first + second) =100.0050+20.0010= 120.0060 yuan, the tail of the return of the received owned funds is 0.0040 yuan, and finally the return is 120.01 yuan.
However, if the single batch generation fails, the single batch generation returns according to the ratio supported by the customer at the beginning.
I.e., 300 money is returned to the own fund 100 yuan and loan fund 200 yuan, respectively.
According to the embodiment, by returning funds under different funds replacing failure scenes, returning logic of funds replacing failure is defined, application logic of a funds replacing method is further perfected, and user experience is optimized.
In addition, the embodiment of the invention also provides a storage medium, wherein a fund replacing program is stored on the storage medium, and the fund replacing program realizes the steps of the fund replacing method when being executed by a processor.
Based on the first embodiment of the funds replacing method of the invention, the first embodiment of the funds replacing device of the invention is provided, and referring to fig. 4, fig. 4 is a block diagram of the first embodiment of the funds replacing device of the invention.
As shown in fig. 4, the funds replacement apparatus according to the embodiment of the present invention includes:
a transaction funds management module 401, configured to, when receiving a funds credit application from a user, add transaction funds to a user account of the user based on the funds credit application, so that the user sends a request for replacing funds based on funds feedback in the user account, where the funds in the user account include owned funds and transaction funds;
a request processing module 402, configured to determine, when a request for funds replacement of a user is received, a fund replacement table and a collection account according to the request for funds replacement;
and a funds replacing module 403, configured to replace the owned funds in the user account and the transaction funds to the collection account based on the replacing fund list.
When receiving a fund credit application of a user, the method adds transaction funds in a user account of the user based on the fund credit application; when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request; the owned funds and the transaction funds in the user account are issued to the collection account based on the issuing fund table. The novel loan type of sending instead of financing is realized because the transaction funds can be applied when the funds are sent instead of sending, so that the sending instead of sending needs of more enterprise users can be met, the funds turnover pressure of a slight small enterprise is slowed down, and the funds turnover flexibility of the users is improved.
Further, the transaction funds management module 401 is further configured to freeze the transaction funds when the transaction funds are added to the user account;
the request processing module 402 is further configured to defrost the transaction funds when receiving a request for funds replacement from the user, and determine a funds replacement mode, a replacement fund list and a collection account according to the request for funds replacement.
Based on the first embodiment of the funds dispensing device of the invention, a second embodiment of the funds dispensing device of the invention is presented.
In this embodiment, the funds replacing module 403 is further configured to determine, when the funds replacing method is self funds replacing, a waiting amount to be replaced into each of the collection accounts based on the funds replacing table; and substituting the owned funds into each collection account according to the to-be-substituted amount of each collection account.
Further, the funds replacing module 403 is further configured to determine, when the funds replacing method is transaction funds replacing, a to-be-replaced amount to be replaced into each of the collection accounts based on the funds replacing table; and substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account.
Further, the funds replacing module 403 is further configured to determine, when the funds replacing method is joint replacing, a to-be-replaced amount to be replaced into each of the collection accounts based on the funds replacing table; acquiring a joint dispensing proportion selected by a user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the amount to be dispensed of each collection account.
When the fund replacing method is self fund replacing, the method determines the amount to be replaced, which is replaced to each collection account, based on the fund replacing table; according to the to-be-sent amount of each collection account, self funds are sent to each collection account in a substituted way; when the fund replacing mode is transaction fund replacing, determining the waiting replacing amount which is replaced to each collection account based on the fund replacing table; substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account; when the fund replacing mode is combined replacing, determining the replacing amount to be replaced to each collecting account based on the fund replacing table; acquiring the joint dispensing proportion selected by the user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the to-be-dispensed amount of each collection account. The fund replacing service is provided for the user through different fund replacing modes, so that flexible replacing is realized, the flexible replacing requirement of more enterprise users is met, the fund turnover pressure of a slight small enterprise is slowed down, and the fund turnover flexibility of the user is improved.
Based on the above embodiments of the funds dispensing device of the invention, a third embodiment of the funds dispensing device of the invention is presented.
In this embodiment, the funds replacing module 403 is further configured to return the amount to be replaced to a fund source according to the result of the funds replacing failure, where the fund source is owned funds or transaction funds.
Further, the fund replacing module 403 is further configured to determine a fund composition of the to-be-replaced amount according to the joint replacing proportion when the fund replacing fails;
and returning the to-be-sent amount to the owned funds and the transaction funds of the user according to the funds composition.
According to the embodiment, by returning funds under different funds replacing failure scenes, returning logic of funds replacing failure is defined, application logic of a funds replacing method is further perfected, and user experience is optimized.
Other embodiments or specific implementations of the funds substituting device of the present invention may refer to the above-mentioned method embodiments, and will not be described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. read-only memory/random-access memory, magnetic disk, optical disk), comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (10)
1. A method of funding, the method comprising:
adding transaction funds in a user account of a user based on a fund credit application when the fund credit application of the user is received;
when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request;
and substituting the owned funds in the user account and the transaction funds into the collection account based on the substitute fund sheet.
2. The funds replacement method of claim 1, wherein after the step of adding transaction funds to the user account of the user based on the funds credit application, comprising:
freezing the transaction funds as the transaction funds are added to the user account;
correspondingly, when receiving a fund issuing request of a user, determining an issuing fund list and a collection account according to the fund issuing request, including:
and when receiving a fund issuing request of a user, thawing the transaction fund, and determining a fund issuing mode, an issuing fund list and a collection account according to the fund issuing request.
3. The funds replacement method of claim 2, wherein the step of replacing owned funds in the user account and the transaction funds to the collection account based on the replacement fund table comprises:
when the fund replacing mode is self fund replacing, determining the replacing amount to be replaced to each collection account based on the fund replacing table;
and substituting the owned funds into each collection account according to the to-be-substituted amount of each collection account.
4. The funds replacement method of claim 2, wherein the step of replacing owned funds in the user account and the transaction funds to the collection account based on the replacement fund table further comprises:
when the fund replacing mode is transaction fund replacing, determining the to-be-replaced amount which is replaced to each collection account based on the fund replacing table;
and substituting the transaction funds to each collection account according to the to-be-substituted amount of each collection account.
5. The funds replacement method of claim 3 or 4, wherein after the step of replacing the owned funds in the user account and the transaction funds to the collection account based on the replacement fund table, further comprises:
and when the funds are failed to be replaced, returning the to-be-replaced amount to a fund source, wherein the fund source is owned funds or transaction funds.
6. The funds replacement method of claim 2, wherein the step of replacing owned funds in the user account and the transaction funds to the collection account based on the replacement fund table further comprises:
when the fund replacing mode is joint replacing, determining the replacing amount to be replaced to each collecting account based on the fund replacing table;
acquiring a joint dispensing proportion selected by a user, and dispensing funds in the user account to each collection account according to the joint dispensing proportion and the amount to be dispensed of each collection account.
7. The funds replacement method of claim 6, wherein after the step of replacing owned funds in the user account and the transaction funds to the collection account based on the replacement funding table, further comprises:
when the funds replace and send out the failure, confirm the funds of the amount of money of waiting to send out and construct according to the proportion of said joint to send out instead;
and returning the to-be-sent amount to the owned funds and the transaction funds of the user according to the funds composition.
8. A funds dispensing device, the funds dispensing device comprising:
the transaction fund management module is used for adding transaction fund into a user account of a user based on the fund credit application when receiving the fund credit application of the user so as to enable the user to send a request instead of the transaction fund based on the fund feedback in the user account, wherein the fund in the user account comprises owned fund and transaction fund;
the system comprises a request processing module, a fund issuing module and a payment receiving module, wherein the request processing module is used for determining a fund issuing list and a payment receiving account according to the fund issuing request when receiving the fund issuing request of a user;
and the fund replacing module is used for replacing the owned funds in the user account and the transaction funds to the collection account based on the replacing fund list.
9. A funds replacement apparatus, the apparatus comprising: a memory, a processor, and a funds transfer program stored on the memory and executable on the processor, the funds transfer program configured to implement the steps of the funds transfer method of any of claims 1 to 7.
10. A storage medium having stored thereon a funds transfer program which when executed by a processor performs the steps of the funds transfer method of any of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310953999.0A CN116862665A (en) | 2023-07-31 | 2023-07-31 | Funds replacing method, device, equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310953999.0A CN116862665A (en) | 2023-07-31 | 2023-07-31 | Funds replacing method, device, equipment and storage medium |
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| Publication Number | Publication Date |
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| CN116862665A true CN116862665A (en) | 2023-10-10 |
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| CN202310953999.0A Pending CN116862665A (en) | 2023-07-31 | 2023-07-31 | Funds replacing method, device, equipment and storage medium |
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| Country | Link |
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| CN (1) | CN116862665A (en) |
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- 2023-07-31 CN CN202310953999.0A patent/CN116862665A/en active Pending
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