CN117010876A - Multi-currency fund pool management method, device, equipment and storage medium - Google Patents

Multi-currency fund pool management method, device, equipment and storage medium Download PDF

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CN117010876A
CN117010876A CN202311015318.2A CN202311015318A CN117010876A CN 117010876 A CN117010876 A CN 117010876A CN 202311015318 A CN202311015318 A CN 202311015318A CN 117010876 A CN117010876 A CN 117010876A
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query
balance
account
currency
real
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刘雅君
辛佳佳
王美莲
杨恩峰
黄培
邢利菲
于东东
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Bank of China Ltd
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Bank of China Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23Updating
    • G06F16/2379Updates performed during online database operations; commit processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24Querying
    • G06F16/242Query formulation
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24Querying
    • G06F16/248Presentation of query results
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/29Geographical information databases
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403Solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The application provides a multi-currency fund pool management method, a device, equipment and a storage medium, which can be used in the technical field of artificial intelligence, wherein the multi-currency fund pool is an account group formed by a plurality of accounts with different currencies. Receiving a query request carrying query conditions, wherein the query conditions comprise a query exchange rate, a query account and a query category, and acquiring a query result comprising real-time conversion balance and/or historical balance of the query account according to the query conditions and subscription information of a bank core system, and sending the query result to the online banking terminal for display to a user. And realizing inquiry on real-time conversion balances and/or historical balances in one or more currency accounts in the multi-currency fund pool based on inquiry conditions, and avoiding manual summarization of corresponding currency accounts and avoiding errors. The method and the system can respond to the query request to display the query result at the online banking end, improve query timeliness, expand display means, provide more flexible and efficient account service for group clients, and improve group client experience.

Description

Multi-currency fund pool management method, device, equipment and storage medium
Technical Field
The application relates to the technical field of artificial intelligence, in particular to a multi-currency fund pool management method, device, equipment and storage medium.
Background
With the development of global business of banks, many large banks have many global group customers, and the customers often have cross-border accounts, so that in order to serve such group customers, multiple currency funds pools are generated, which are account groups formed by accounts of different currencies in different regions of the world of customers.
At present, the balance condition of a multi-currency fund pool of a group client is often inquired in a mode of manually collecting corresponding accounts of different currencies. Obviously, the inquiring mode is very easy to cause errors in exchange rate and balance acquisition, is poor in display mode and timeliness, is unfavorable for the management of multiple currency fund pools of group clients, and further influences the experience of the group clients.
Disclosure of Invention
The application provides a multi-currency fund pool management method, a device, equipment and a storage medium, which are used for solving the technical problems that the method for inquiring the balance of the multi-currency fund pool in the prior art is extremely easy to cause errors in exchange rate and balance acquisition and is also poor in display means and timeliness.
In a first aspect, the present application provides a method for managing a multi-currency fund pool, the multi-currency fund pool being an account group formed by a plurality of different currency accounts, the method comprising:
Receiving a query request sent by an online banking end, wherein the query request carries query conditions, the query conditions comprise a query exchange rate, a query account and a query category, and the query account comprises one or more currency accounts in the multi-currency fund pool;
acquiring a query result according to the query condition and subscription information of a bank core system, wherein the query result comprises real-time conversion balance and/or historical balance of the query account;
and sending the query result to the online banking end, so that the online banking end displays the query result to a user.
In one possible design, before the receiving the query request sent by the internet banking end, the method further includes:
according to the daily final balance of each different currency account and the preset conversion exchange rate, acquiring the daily final conversion balance of each different currency account, and locally storing the daily final conversion balance of each different currency account according to the current date.
In one possible design, after the obtaining of the daily final balance for each of the different currency accounts, the method further comprises:
and obtaining the daily final conversion total balance of the multi-currency fund pool according to the daily final conversion balance of each different-currency account, and locally storing the daily final conversion total balance of the multi-currency fund pool according to the current date.
In one possible design, before the obtaining the daily end balance of each account of different currencies according to the daily end balance of each account of different currencies and the preset conversion exchange rate, the method further includes:
subscribing core texts of each different currency account to the bank core system according to the account information of the multi-currency fund pool;
receiving core texts of each account with different currencies sent by the bank core system every day, and locally storing the core texts of each account with different currencies according to the receiving date;
the subscription information comprises the core text, the core text comprises the daily terminal balance and the daily terminal exchange rate of each account with different currencies, and the preset conversion exchange rate comprises any one of the daily terminal exchange rates of each account with different currencies.
In one possible design, after the subscribing the core text of each of the different currency accounts to the banking core system according to the account information of the multi-currency fund pool, further includes:
sending exchange rate acquisition requests to the bank core system at intervals of preset duration, so that the bank core system responds to the exchange rate acquisition requests to send real-time exchange rates of accounts of different currencies;
Receiving the real-time exchange rate of each account with different currencies sent by the bank core system, and updating the locally stored real-time exchange rate data into the real-time exchange rate;
wherein the subscription information further includes the real-time exchange rate.
In one possible design, if the query class is a real-time balance query, the obtaining the query result according to the query condition and the subscription information of the bank core system includes:
sending a real-time balance inquiry command to the bank core system, so that the bank core system responds to the real-time balance inquiry command to acquire the real-time balance of the inquiry account;
receiving the real-time balance of the query account sent by the bank core system;
acquiring the real-time conversion balance of the query account according to the real-time balance of the query account and the query exchange rate, wherein the query exchange rate comprises any one of the real-time exchange rates;
wherein the subscription information further includes a real-time balance of the query account.
In one possible design, if the query class is a daily terminal balance query, the obtaining a query result according to the query condition and subscription information of a banking core system includes:
According to the daily terminal balance of each account with different currencies, acquiring daily terminal balance of the inquiring account in a date interval to obtain a first daily terminal balance;
according to the daily final balance of each account with different currencies, acquiring the daily final balance of the inquiring account in the date interval so as to obtain a second daily final balance;
converting the first day final balance and/or the second day final balance according to the inquiry exchange rate to obtain a third day final balance and/or a fourth day final balance;
wherein the historical balance comprises any one or more of the first day final balance, the second day final balance, the third day final balance, and the fourth day final balance.
In one possible design, before subscribing the core text of each of the different currency accounts to the bank core system according to the account information of the multi-currency fund pool, the method further includes:
and generating the multi-currency fund pool according to the user demand, and providing a demand update service for the multi-currency fund pool, wherein the demand update service is used for adding or deleting any currency account in the multi-currency fund pool.
In a second aspect, the present application provides a multi-currency funds pool management apparatus, the multi-currency funds pool being an account group of a plurality of different currency accounts, the apparatus comprising:
The receiving module is used for receiving a query request sent by an online banking end, wherein the query request carries query conditions, the query conditions comprise a query exchange rate, a query account and a query category, and the query account comprises one or more currency accounts in the multi-currency fund pool;
the first acquisition module is used for acquiring a query result according to the query condition and subscription information of a bank core system, wherein the query result comprises real-time conversion balance and/or historical balance of the query account;
and the sending module is used for sending the query result to the online banking end so that the online banking end displays the query result to a user.
In one possible design, the apparatus further comprises: a second acquisition module; the second obtaining module is configured to:
according to the daily final balance of each different currency account and the preset conversion exchange rate, acquiring the daily final conversion balance of each different currency account, and locally storing the daily final conversion balance of each different currency account according to the current date.
In one possible design, the second acquisition module is further configured to:
and obtaining the daily final conversion total balance of the multi-currency fund pool according to the daily final conversion balance of each different-currency account, and locally storing the daily final conversion total balance of the multi-currency fund pool according to the current date.
In one possible design, the apparatus further comprises: a subscription module; the subscription module is used for:
subscribing core texts of each different currency account to the bank core system according to the account information of the multi-currency fund pool;
receiving core texts of each account with different currencies sent by the bank core system every day, and locally storing the core texts of each account with different currencies according to the receiving date;
the subscription information comprises the core text, the core text comprises the daily terminal balance and the daily terminal exchange rate of each account with different currencies, and the preset conversion exchange rate comprises any one of the daily terminal exchange rates of each account with different currencies.
In one possible design, the transmitting module is further configured to: sending exchange rate acquisition requests to the bank core system at intervals of preset duration, so that the bank core system responds to the exchange rate acquisition requests to send real-time exchange rates of accounts of different currencies;
the receiving module is further used for receiving the real-time exchange rate of each account with different currencies sent by the bank core system, and updating the locally stored real-time exchange rate data into the real-time exchange rate;
Wherein the subscription information further includes the real-time exchange rate.
In one possible design, if the query class is a real-time balance query, the first obtaining module is further specifically configured to:
sending a real-time balance inquiry command to the bank core system, so that the bank core system responds to the real-time balance inquiry command to acquire the real-time balance of the inquiry account;
receiving the real-time balance of the query account sent by the bank core system;
acquiring the real-time conversion balance of the query account according to the real-time balance of the query account and the query exchange rate, wherein the query exchange rate comprises any one of the real-time exchange rates;
wherein the subscription information further includes a real-time balance of the query account.
In one possible design, if the query class is a daily terminal balance query, the first obtaining module is further specifically configured to:
according to the daily terminal balance of each account with different currencies, acquiring daily terminal balance of the inquiring account in a date interval to obtain a first daily terminal balance;
according to the daily final balance of each account with different currencies, acquiring the daily final balance of the inquiring account in the date interval so as to obtain a second daily final balance;
Converting the first day final balance and/or the second day final balance according to the inquiry exchange rate to obtain a third day final balance and/or a fourth day final balance;
wherein the historical balance comprises any one or more of the first day final balance, the second day final balance, the third day final balance, and the fourth day final balance.
In one possible design, the apparatus further comprises: a generating module; the generating module is used for:
and generating the multi-currency fund pool according to the user demand, and providing a demand update service for the multi-currency fund pool, wherein the demand update service is used for adding or deleting any currency account in the multi-currency fund pool.
In a third aspect, the present application provides an electronic device comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored in the memory to implement any one of the possible multi-currency fund pool management methods provided in the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions which, when executed by a processor, are adapted to carry out any one of the possible multi-currency fund pool management methods provided in the first aspect.
In a fifth aspect, the application provides a computer program product comprising computer-executable instructions for implementing any one of the possible multi-currency fund pool management methods provided in the first aspect when executed by a processor.
The application provides a multi-currency fund pool management method, a device, equipment and a storage medium. Firstly, receiving a query request sent by an online banking terminal, wherein the query request carries query conditions, the query conditions comprise a query exchange rate, a query account and a query category, and the query account comprises one or more currency accounts in a multi-currency fund pool. And then according to the inquiry conditions and the subscription information of the bank core system, acquiring inquiry results, wherein the inquiry results can comprise real-time converted balance and/or historical balance of the inquiry account, and then sending the inquiry results to the online banking end, so that the online banking end displays the inquiry results to the user. Based on the query conditions, the real-time conversion balance and/or historical balance in one or more currency accounts in the multi-currency fund pool is queried without manually summarizing the corresponding currency accounts, and errors in the manual summarizing process are avoided. And the inquiry request of the online banking terminal can be responded, so that the inquiry result is displayed on the online banking terminal, the inquiry timeliness is improved, the display means is expanded, more flexible and efficient account service is provided for group clients with multiple currency fund pools, and the group client experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions of the prior art, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it will be obvious that the drawings in the following description are some embodiments of the present application, and that other drawings can be obtained according to these drawings without inventive effort to a person skilled in the art.
Fig. 1 is a schematic view of an application scenario provided in an embodiment of the present application;
FIG. 2 is a schematic flow chart of a method for managing multiple currency funds pools according to an embodiment of the present application;
FIG. 3 is a flowchart of obtaining a query result according to an embodiment of the present application;
FIG. 4 is a flowchart of another method for obtaining a query result according to an embodiment of the present application;
FIG. 5 is a schematic diagram of a multi-currency fund pool management device according to an embodiment of the present application;
FIG. 6 is a schematic diagram of another multi-currency fund pool management device according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of methods and apparatus consistent with aspects of the application as detailed in the accompanying claims.
The terms "first," "second," "third," "fourth" and the like in the description and in the claims and in the above drawings, if any, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the application described herein may be implemented, for example, in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the multi-currency fund pool management method, device, equipment and storage medium provided by the application can be used in the technical field of artificial intelligence, and can also be used in any field except the technical field of artificial intelligence.
Global group customers often have cross-border accounts, and in order to service such group customers, multiple currency funds pools have developed, which are groups of accounts made up of different currencies of accounts in different regions of the customer's world. At present, the balance condition of a multi-currency fund pool of a group client is often inquired in a mode of manually collecting corresponding accounts of different currencies. Obviously, the inquiring mode is very easy to cause errors in exchange rate and balance acquisition, is poor in display mode and timeliness, is unfavorable for the management of multiple currency fund pools of group clients, and further influences the experience of the group clients.
The application provides a multi-currency fund pool management method, a multi-currency fund pool management device, multi-currency fund pool management equipment and a storage medium aiming at the problems existing in the prior art. The application provides a multi-currency fund pool management method, which comprises the following steps: and subscribing core text of each currency account in the multi-currency fund pool to the bank core system, wherein the core text comprises daily terminal balances and daily terminal exchange rates of each different currency account, and periodically acquiring real-time exchange rates of each different currency account to the bank core system so as to update the real-time exchange rate data stored locally. After receiving the query request sent by the internet banking end, acquiring a corresponding query result according to the query condition carried by the query request and subscription information of the bank core system, and pushing the query result to the internet banking end so as to display the query result to a user at the internet banking end. The subscription information comprises core text, real-time exchange rate and real-time balance of the query account of each different currency account, so that the query of real-time conversion balance and/or historical balance in one or more currency accounts in the multi-currency fund pool can be realized based on the query conditions and the subscription information, the corresponding currency accounts do not need to be manually summarized, and errors in the manual summarization process are avoided. And the inquiry request of the online banking terminal can be responded, so that the inquiry result is displayed on the online banking terminal, the inquiry timeliness is improved, the display means is expanded, more flexible and efficient account service is provided for group clients with multiple currency fund pools, and the group client experience is improved.
In the following, an exemplary application scenario of an embodiment of the present application is described.
Fig. 1 is a schematic diagram of an application scenario provided in an embodiment of the present application. As shown in fig. 1, the electronic device 10 is configured to perform the multi-currency fund pool management method provided by the embodiment of the present application, which maintains a multi-currency fund pool with group customers according to user needs. The electronic device 10 is in communication connection with the internet banking terminal 20, the group client can send a query request to the electronic device 10 through the internet banking terminal 20, the electronic device 10 can acquire a query result corresponding to the query condition carried by the query request according to the query condition and subscription information sent by the bank core system 30, and then push the query result to the internet banking terminal 20, and the internet banking terminal 20 displays the query result to the group client, so that the group client can acquire the real-time conversion balance and/or the history balance of one or more currency accounts in the multi-currency fund pool through the internet banking terminal 20.
It will be appreciated that the internet banking terminal 20 may be a device running an application program such as an internet banking with a group client, for example, a computer, a smart phone, a tablet computer, a smart wearable device, etc., and the internet banking terminal 20 in fig. 1 is illustrated by a smart phone. The banking core system 30 is an information system for providing basic accounting functions such as accounting and settlement in a banking system, the banking core system 30 may be operated in a computer, a server cluster, and the like, and the banking core system 30 is illustrated as being operated in the computer in fig. 1. The electronic device 10 may be a computer, a smart phone, a tablet computer, an intelligent wearable device, a server cluster, or other devices, and the embodiment of the present application is not limited to the device type of the electronic device 10, and the electronic device 10 in fig. 1 is illustrated by taking the computer as an example.
It should be noted that the above application scenario is merely illustrative, and the multi-currency fund pool management method, apparatus, device and storage medium provided in the embodiments of the present application include, but are not limited to, application to the above application scenario.
FIG. 2 is a schematic flow chart of a multi-currency fund pool management method according to an embodiment of the present application.
As shown in fig. 2, the multi-currency fund pool management method provided by the embodiment of the application includes:
s101: and generating a multi-currency fund pool according to the user demand, and providing a demand update service for the multi-currency fund pool.
Signing contract with group customer to obtain user demand of group customer, and then constructing accounts of different currencies according to user demand of group customer to generate multi-currency fund pool. Wherein the multi-currency fund pool is an account group formed by a plurality of accounts with different currencies. And providing a demand update service for the multi-currency fund pool, wherein the demand update service is used for adding or deleting any currency account in the multi-currency fund pool, i.e. any currency account can be added or deleted according to the demand for changing.
S102: and receiving a query request sent by the internet banking terminal.
The multi-currency fund pool is an account group formed by a plurality of different-currency accounts, and when the group client wants to acquire the balance condition of one or more currency accounts in the multi-currency fund pool owned by the group client, the group client can send a query request to the electronic equipment through the online banking terminal.
The query request carries query conditions, wherein the query conditions comprise a query exchange rate, a query account and a query category. The inquiry exchange rate refers to a conversion exchange rate designated by the group clients, and can be a real-time exchange rate of currencies of a country or region where any one account of the multi-currency fund pool is located, for example, the account belongs to China, the corresponding currency is RMB, and the inquiry exchange rate is the real-time exchange rate of RMB. The query account includes one or more of the multi-currency funds pools.
The query categories may include real-time balance queries and/or daily terminal balance queries. The real-time balance inquiry refers to inquiring the real-time converted balance of the inquiring account, and the real-time converted balance is the amount obtained by converting the real-time balance of the inquiring account according to the inquiring exchange rate. The daily terminal balance inquiry refers to inquiring the historical balance of an account, wherein the historical balance can be daily terminal balance, daily terminal conversion balance in a date interval included in inquiry conditions, and daily terminal balance converted according to inquiry exchange rate and/or daily terminal conversion balance converted according to inquiry exchange rate, the daily terminal conversion balance is daily terminal balance converted according to preset conversion exchange rate, the preset conversion exchange rate is preset by the electronic equipment, the inquiry exchange rate is specified by group clients, and the preset conversion exchange rate can be the same as or different from the inquiry exchange rate.
S103: and acquiring a query result according to the query condition and subscription information of the bank core system.
And receiving a query request sent by the online banking terminal, wherein the query request carries a query condition, and further acquiring a query result corresponding to the query condition according to the query condition and subscription information of a bank core system. The query result comprises real-time conversion balance and/or historical balance of the query account, and if the query class is real-time balance query, the query result is real-time conversion balance; if the query category is daily terminal balance query, the query result is historical balance.
In addition, before receiving the inquiry request sent by the online banking end, the electronic equipment can subscribe the core text of each account with different currencies to the bank core system, so that subscription information of the bank core system can be obtained. The subscription information of the bank core system can correspond to different contents according to different query conditions, for example, the subscription information can comprise core texts of accounts of different currencies, and the core texts comprise daily terminal balances and daily terminal exchange rates of the accounts of different currencies; the subscription information may also include real-time exchange rates for each different currency account, i.e., real-time exchange rates corresponding to different currencies; subscription information may also include real-time balances of the querying account, etc.
In one possible design, if the query class is a real-time balance query, a possible implementation of step S103 is shown in fig. 3. Fig. 3 is a schematic flow chart of obtaining a query result according to an embodiment of the present application. As shown in fig. 3, an embodiment of the present application includes:
s201: and sending a real-time balance inquiry command to the bank core system, so that the bank core system responds to the real-time balance inquiry command to acquire the real-time balance of the inquired account.
The electronic equipment sends a real-time balance inquiry command to the bank core system, and the bank core system responds to the real-time balance inquiry command to acquire the real-time balance of the inquiring account, so that the real-time balance of the inquiring account is sent to the electronic equipment. Wherein the real-time balance query instruction may include a query account.
S202: and receiving the real-time balance of the query account sent by the bank core system.
The bank core system sends the real-time balance of the inquiring account to the electronic equipment, and correspondingly, the electronic equipment receives the real-time balance of the inquiring account sent by the bank core system.
S203: and acquiring the real-time conversion balance of the query account according to the real-time balance of the query account and the query exchange rate.
The query rate may be any of the real-time rates, the query rate being specified by the group client itself. After receiving the real-time balance of the query account sent by the bank core system, the electronic equipment converts the real-time balance of the query account according to the query exchange rate to obtain the real-time converted balance of the query account. The subscription information sent by the banking system includes a real-time balance of the query account.
It will be appreciated that if the query rate is the same as the real-time rate of the query account, the real-time converted balance of the query account is the same as the real-time balance of the query account.
Thus, the embodiment shown in fig. 3 can obtain the corresponding query result when the query type is real-time balance query, namely, the real-time conversion balance of the query account. The query account may be one account or multiple accounts in a multi-currency fund pool. Therefore, the acquisition of the real-time conversion balance of the query account does not need to manually summarize the query account, and errors in the manual summarizing process can be effectively avoided. In addition, the inquiry exchange rate can be specified by itself, and exchange rate conversion service of any currency in the multi-currency fund pool can be provided for group clients, so that the requirements of the group clients on real-time balance conversion of different exchange rates are met.
Optionally, in some embodiments, after subscribing the core text of each of the accounts of different currencies to the bank core system according to the account information of the multi-currency fund pool, the electronic device may further send an exchange rate acquisition request to the bank core system at intervals of a preset duration, so that the bank core system sends a real-time exchange rate of each of the accounts of different currencies in response to the exchange rate acquisition request, and the electronic device receives the real-time exchange rate of each of the accounts of different currencies sent by the bank core system, and updates the locally stored real-time exchange rate data to the real-time exchange rate, so that the electronic device can store the latest real-time exchange rate of each of the accounts of different currencies locally. Thus, the subscription information of the banking core system may include the real-time rate of each of the different currency accounts, it being understood that the real-time rate of each of the different currency accounts is the real-time rate of the currency corresponding to the country or region in which the account is located.
In one possible design, if the query class is a daily end balance query, a possible implementation of step S103 is shown in fig. 4. Fig. 4 is a schematic flow chart of another method for obtaining a query result according to an embodiment of the present application. As shown in fig. 4, an embodiment of the present application includes:
s301: and acquiring the daily terminal balance of the inquiring account in the date interval according to the daily terminal balance of each account with different currencies so as to obtain the first daily terminal balance.
The electronic device may subscribe to the bank core system for core text for each different currency account, where the core text includes a daily terminal balance and a daily terminal exchange rate for each different currency account, where the daily terminal exchange rate for each different currency account refers to a daily terminal exchange rate for the currency of the country or region in which the account is located. Thus, the bank core system will send the core text of each account with different currencies to the electronic device daily, and the electronic device will save the core text of each account with different currencies locally according to the received date after receiving the core text of each account with different currencies sent by the bank core system daily. In other words, after the electronic device subscribes to the core text of each account with different currencies from the banking core system, the electronic device locally saves the daily terminal balance and the daily terminal exchange rate of each account with different currencies sent by the banking core system every day according to the receiving date.
Therefore, when inquiring the daily terminal balance of the type, the electronic device can inquire the daily terminal balance of the inquired account in the date interval in the daily terminal balance of each account with different currencies stored locally, and define the daily terminal balance of the inquired account in the date interval as the first daily terminal balance, namely acquire the first daily terminal balance. The query condition may carry a date interval, where the date interval refers to a time period of a day-end balance that the group client wants to query, for example, 2023, 6, 10, and 2023, 6, 20, etc., and the date interval is selected by the group client, which is not limited in this embodiment of the present application.
S302: and acquiring the daily final balance of the inquiring account in the date interval according to the daily final balance of each account with different currencies, so as to obtain the second daily final balance.
After the electronic device receives the core text of each of the accounts with different currencies sent by the bank core system every day, that is, after the electronic device locally saves the daily terminal balance of each of the accounts with different currencies sent by the bank core system every day according to the receiving date, the electronic device can also convert the daily terminal balance of each of the accounts with different currencies according to the preset conversion exchange rate so as to obtain the daily terminal conversion balance of each of the accounts with different currencies, and locally saves the daily terminal conversion balance of each of the accounts with different currencies according to the current date. That is, the electronic device may obtain the daily end balance of each of the different currency accounts according to the daily end balance of each of the different currency accounts and the preset conversion exchange rate, and locally store the daily end balance of each of the different currency accounts according to the current date.
The electronic equipment can convert the daily end balance of each account with different currencies sent by the bank core system received by the electronic equipment every day according to one self-preset exchange rate, so as to obtain the daily end conversion balance of each account with different currencies, and the daily end conversion balance is stored locally according to the current date. It will be appreciated that the preset conversion rate may be any one of the daily end rates for each of the different currency accounts.
Therefore, when inquiring the daily terminal balance of the inquiring type, the electronic equipment can inquire the daily terminal balance of the inquiring account in the date interval in the daily terminal balance of each account with different currencies stored locally, and define the daily terminal balance of the inquired inquiring account in the date interval as a second daily terminal balance, namely acquire the second daily terminal balance.
S303: and converting the first day final balance and/or the second day final balance according to the inquiry exchange rate to obtain a third day final balance and/or a fourth day final balance.
Based on the first day final balance and/or the second day final balance, the first day final balance and/or the second day final balance can be converted by adopting the inquiry exchange rate, and the third day final balance and/or the fourth day final balance can be correspondingly obtained. For example, the first day final balance is converted to obtain a third day final balance by using the inquiry exchange rate, and the second day final balance is converted to obtain a fourth day final balance by using the inquiry exchange rate.
Thus, through the embodiment shown in fig. 4, a query result corresponding to the query category of the daily terminal balance query may be obtained, where the query result, i.e., the historical balance may include any one or more of the first daily terminal balance, the second daily terminal balance, the third daily terminal balance, and the fourth daily terminal balance. Specifically, in some embodiments, if the query class is a daily terminal balance query, the daily terminal balance query may further carry a class label, for example, if the class label is a first daily terminal label, the historical balance includes the first daily terminal balance, if the class label is a second daily terminal label, the historical balance includes the second daily terminal balance, if the class label is a third daily terminal label, the historical balance includes the third daily terminal balance, and if the class label is a fourth daily terminal label, the historical balance includes the four daily terminal balances. The class labels carried by the day-end balance inquiry are designated by the group clients, the embodiment of the application is not limited to the class labels, and the class labels can be one or more of a first day-end label, a second day-end label, a third day-end label and a fourth day-end label, so that the autonomous selectivity of the group clients is widened, the user interaction is enhanced, and the random switching of the day-end balance between different currency exchange rates can be realized, so that more flexible and efficient service is provided for the group clients.
Optionally, after the electronic device obtains the daily end conversion balance of each account with different currencies, the daily end conversion total balance of the multi-currency fund pool can be obtained according to the daily end conversion balance of each account with different currencies, and the daily end conversion balance is the total amount of the daily end balance of the multi-currency fund pool expressed according to the preset conversion exchange rate. For example, when the query account is all of the monetary accounts in the multi-monetary fund pool, the second final daily balance is the final daily balance total balance for the date interval.
S104: and sending the query result to the online banking end, so that the online banking end displays the query result to the user.
After the electronic equipment acquires the query result corresponding to the query condition, pushing the query result to the online banking end so as to display the query result to the user at the online banking end. It can be understood that the online banking end runs an application program such as an online bank, and the query result can be displayed on a corresponding display interface in the application program so as to be convenient for a user to view.
The multi-currency fund pool management method provided by the embodiment of the application has the advantages that the multi-currency fund pool is an account group formed by a plurality of accounts with different currencies. Firstly, receiving a query request sent by an online banking terminal, wherein the query request carries query conditions, the query conditions comprise a query exchange rate, a query account and a query category, and the query account comprises one or more currency accounts in a multi-currency fund pool. And then according to the inquiry conditions and the subscription information of the bank core system, acquiring inquiry results, wherein the inquiry results can comprise real-time converted balance and/or historical balance of the inquiry account, and then sending the inquiry results to the online banking end, so that the online banking end displays the inquiry results to the user. Based on the query conditions, the real-time conversion balance and/or historical balance in one or more currency accounts in the multi-currency fund pool is queried without manually summarizing the corresponding currency accounts, and errors in the manual summarizing process are avoided. And moreover, the inquiry request of the online banking terminal can be responded, so that the inquiry result is displayed on the online banking terminal, the inquiry timeliness is improved, the display means is expanded, more flexible and efficient account service is provided for group clients with multi-currency fund pools, and the group client experience is improved.
Fig. 5 is a schematic structural diagram of a multi-currency fund pool management device according to an embodiment of the present application, where the multi-currency fund pool is an account group formed by a plurality of different-currency accounts. As shown in fig. 5, the multi-currency fund pool management apparatus 400 provided in the embodiment of the present application includes:
the receiving module 401 is configured to receive a query request sent by an online banking end, where the query request carries a query condition, and the query condition includes a query exchange rate, a query account, and a query category, and the query account includes one or more currency accounts in a multi-currency fund pool;
a first obtaining module 402, configured to obtain a query result according to a query condition and subscription information of a bank core system, where the query result includes a real-time conversion balance and/or a historical balance of a query account;
and the sending module 403 is configured to send the query result to the online banking end, so that the online banking end displays the query result to the user.
Fig. 6 is a schematic structural diagram of another multi-currency fund pool management device according to an embodiment of the present application, and as shown in fig. 6, a multi-currency fund pool management device 400 according to an embodiment of the present application further includes: a second acquisition module 404; a second obtaining module 404, configured to:
According to the daily final balance of each account with different currencies and the preset conversion exchange rate, acquiring the daily final conversion balance of each account with different currencies, and locally storing the daily final conversion balance of each account with different currencies according to the current date.
In one possible design, the second acquisition module 404 is further configured to:
and obtaining the daily final conversion total balance of the multi-currency fund pool according to the daily final conversion balance of each account with different currencies, and locally storing the daily final conversion total balance of the multi-currency fund pool according to the current date.
In one possible design, the multi-currency funds-pool management apparatus 400 further includes: a subscription module; a subscription module for:
subscribing core texts of each account with different currencies to a bank core system according to account information of the multi-currency fund pools;
receiving core texts of accounts of different currencies sent by a bank core system every day, and locally storing the core texts of different currencies according to the receiving date;
the subscription information comprises a core text, the core text comprises the daily terminal balance and the daily terminal exchange rate of each account with different currencies, and the preset conversion exchange rate comprises any one of the daily terminal exchange rates of each account with different currencies.
In one possible design, the sending module 403 is further configured to: sending exchange rate acquisition requests to a bank core system according to preset time intervals, so that the bank core system responds to the exchange rate acquisition requests to send real-time exchange rates of accounts of different currencies;
the receiving module 401 is further configured to receive real-time exchange rates of accounts of different currencies sent by the bank core system, and update the locally stored real-time exchange rate data to be a real-time exchange rate;
wherein the subscription information further includes a real-time exchange rate.
In one possible design, if the query class is a real-time balance query, the first obtaining module 402 is further specifically configured to:
sending a real-time balance inquiry command to a bank core system, so that the bank core system responds to the real-time balance inquiry command to acquire the real-time balance of an inquired account;
receiving real-time balance of a query account sent by a bank core system;
acquiring the real-time conversion balance of the query account according to the real-time balance of the query account and the query exchange rate, wherein the query exchange rate comprises any one of the real-time exchange rates;
wherein the subscription information further includes a real-time balance of the query account.
In one possible design, if the query class is a daily terminal balance query, the first obtaining module 402 is further specifically configured to:
According to the daily terminal balance of each account with different currencies, acquiring the daily terminal balance of the inquiring account in the date interval so as to obtain a first daily terminal balance;
according to the daily final balance of each account with different currencies, acquiring the daily final balance of the inquiring account in the date interval so as to obtain the second daily final balance;
according to the inquiry exchange rate, converting the first day final balance and/or the second day final balance to obtain a third day final balance and/or a fourth day final balance;
wherein the historical balance comprises any one or more of a first day final balance, a second day final balance, a third day final balance, and a fourth day final balance.
In one possible design, the multi-currency funds-pool management apparatus 400 further includes: a generating module; a generation module for:
and generating a multi-currency fund pool according to the user demand, and providing a demand update service for the multi-currency fund pool, wherein the demand update service is used for adding or deleting any currency account in the multi-currency fund pool.
The multi-currency fund pool management device provided by the embodiment of the application can execute the corresponding steps of the multi-currency fund pool management method in the method embodiment, and the implementation principle and the technical effect are similar, and are not repeated here.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in fig. 7, the electronic device 500 may include: a processor 501, and a memory 502 communicatively coupled to the processor 501.
A memory 502 for storing a program. In particular, the program may include program code including computer-executable instructions.
The memory 502 may comprise high-speed RAM memory or may further comprise non-volatile memory (NoN-volatile memory), such as at least one disk memory.
The processor 501 is configured to execute computer-executable instructions stored in the memory 502 to implement the multi-currency fund pool management method described above.
The processor 501 may be a central processing unit (Central Processing Unit, abbreviated as CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, abbreviated as ASIC), or one or more integrated circuits configured to implement embodiments of the present application.
Alternatively, the memory 502 may be separate or integrated with the processor 501. When the memory 502 is a device separate from the processor 501, the electronic device 500 may further include:
a bus 503 for connecting the processor 501 and the memory 502. The bus may be an industry standard architecture (industry standard architecture, abbreviated ISA) bus, an external device interconnect (peripheral component, PCI) bus, or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. Buses may be divided into address buses, data buses, control buses, etc., but do not represent only one bus or one type of bus.
Alternatively, in a specific implementation, if the memory 502 and the processor 501 are integrated on a chip, the memory 502 and the processor 501 may complete communication through an internal interface.
The present application also provides a computer-readable storage medium, which may include: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random AccessMemory), a magnetic disk, or an optical disk, etc., in which program codes may be stored, and specifically, a computer-readable storage medium having stored therein computer-executable instructions for use in the methods in the above-described embodiments.
The application also provides a computer program product comprising computer-executable instructions which, when executed by a processor, implement the method of the above embodiments.
Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims (11)

1. A method for managing a multi-currency fund pool, wherein the multi-currency fund pool is an account group comprising a plurality of different currency accounts, the method comprising:
receiving a query request sent by an online banking end, wherein the query request carries query conditions, the query conditions comprise a query exchange rate, a query account and a query category, and the query account comprises one or more currency accounts in the multi-currency fund pool;
acquiring a query result according to the query condition and subscription information of a bank core system, wherein the query result comprises real-time conversion balance and/or historical balance of the query account;
and sending the query result to the online banking end, so that the online banking end displays the query result to a user.
2. The multi-currency fund pool management method of claim 1, further comprising, prior to said receiving a query request sent by an online banking side:
According to the daily final balance of each different currency account and the preset conversion exchange rate, acquiring the daily final conversion balance of each different currency account, and locally storing the daily final conversion balance of each different currency account according to the current date.
3. The multi-currency funds pool management method of claim 2, further comprising, after said obtaining the daily final balance for each of said different currency accounts:
and obtaining the daily final conversion total balance of the multi-currency fund pool according to the daily final conversion balance of each different-currency account, and locally storing the daily final conversion total balance of the multi-currency fund pool according to the current date.
4. The multi-currency funds pool management method of claim 3, further comprising, prior to said obtaining the daily end balance for each of the different currency accounts based on the daily end balance for each of the different currency accounts and the preset conversion exchange rate:
subscribing core texts of each different currency account to the bank core system according to the account information of the multi-currency fund pool;
receiving core texts of each account with different currencies sent by the bank core system every day, and locally storing the core texts of each account with different currencies according to the receiving date;
The subscription information comprises the core text, the core text comprises the daily terminal balance and the daily terminal exchange rate of each account with different currencies, and the preset conversion exchange rate comprises any one of the daily terminal exchange rates of each account with different currencies.
5. The multi-currency fund pool management method of claim 4, further comprising, after said subscribing to core text for each of said different currency accounts from said banking core system based on account information for said multi-currency fund pool:
sending exchange rate acquisition requests to the bank core system at intervals of preset duration, so that the bank core system responds to the exchange rate acquisition requests to send real-time exchange rates of accounts of different currencies;
receiving the real-time exchange rate of each account with different currencies sent by the bank core system, and updating the locally stored real-time exchange rate data into the real-time exchange rate;
wherein the subscription information further includes the real-time exchange rate.
6. The multi-currency fund pool management method of claim 5, wherein if the query class is a real-time balance query, the obtaining the query result according to the query condition and subscription information of the banking core system comprises:
Sending a real-time balance inquiry command to the bank core system, so that the bank core system responds to the real-time balance inquiry command to acquire the real-time balance of the inquiry account;
receiving the real-time balance of the query account sent by the bank core system;
acquiring the real-time conversion balance of the query account according to the real-time balance of the query account and the query exchange rate, wherein the query exchange rate comprises any one of the real-time exchange rates;
wherein the subscription information further includes a real-time balance of the query account.
7. The multi-currency fund pool management method of claim 5, wherein if the query class is a daily terminal balance query, the obtaining the query result according to the query condition and subscription information of the bank core system comprises:
according to the daily terminal balance of each account with different currencies, acquiring daily terminal balance of the inquiring account in a date interval to obtain a first daily terminal balance;
according to the daily final balance of each account with different currencies, acquiring the daily final balance of the inquiring account in the date interval so as to obtain a second daily final balance;
Converting the first day final balance and/or the second day final balance according to the inquiry exchange rate to obtain a third day final balance and/or a fourth day final balance;
wherein the historical balance comprises any one or more of the first day final balance, the second day final balance, the third day final balance, and the fourth day final balance.
8. The multi-currency fund pool management method of any one of claims 4-7, further comprising, prior to said subscribing to core text for each of said different currency accounts from account information for said multi-currency fund pool to said banking core system:
and generating the multi-currency fund pool according to the user demand, and providing a demand update service for the multi-currency fund pool, wherein the demand update service is used for adding or deleting any currency account in the multi-currency fund pool.
9. A multi-currency funds pool management device, wherein the multi-currency funds pool is an account group of a plurality of different currency accounts, the device comprising:
the receiving module is used for receiving a query request sent by an online banking end, wherein the query request carries query conditions, the query conditions comprise a query exchange rate, a query account and a query category, and the query account comprises one or more currency accounts in the multi-currency fund pool;
The first acquisition module is used for acquiring a query result according to the query condition and subscription information of a bank core system, wherein the query result comprises real-time conversion balance and/or historical balance of the query account;
and the sending module is used for sending the query result to the online banking end so that the online banking end displays the query result to a user.
10. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored in the memory to implement the multi-currency fund pool management method of any one of claims 1 to 8.
11. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are for implementing the multi-currency fund pool management method of any one of claims 1 to 8.
CN202311015318.2A 2023-08-11 2023-08-11 Multi-currency fund pool management method, device, equipment and storage medium Pending CN117010876A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311015318.2A CN117010876A (en) 2023-08-11 2023-08-11 Multi-currency fund pool management method, device, equipment and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311015318.2A CN117010876A (en) 2023-08-11 2023-08-11 Multi-currency fund pool management method, device, equipment and storage medium

Publications (1)

Publication Number Publication Date
CN117010876A true CN117010876A (en) 2023-11-07

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Country Link
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