CN117273893A - Legal overdraft method and device for fund pool and storage medium - Google Patents
Legal overdraft method and device for fund pool and storage medium Download PDFInfo
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Abstract
The application provides a legal overdraft method and device for a fund pool and a storage medium, which can be used in the financial field or other fields. The method comprises the following steps: the fund pool management system receives a payment request for any target account in the fund pool, which is sent by the core system; judging whether available funds exist in the fund pool according to the total balance of all accounts in the fund pool and preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid; if the fund pool has available funds and is not less than the amount to be paid, sending first payment permission information to the core system, so that the core system pays the amount to be paid by adopting the target account; and sending overdraft requests to the core system at the end of the day, so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft accounts in the fund pool. According to the method and the device, the legal overdraft limit is shared by all accounts in the fund pool, so that the legal overdraft can be used by all accounts in the fund pool, and the payment capacity of the accounts in the fund pool is increased.
Description
Technical Field
The present application relates to the financial field or other fields, and in particular, to a legal overdraft method, apparatus and storage medium for a fund pool.
Background
Cash management, as an innovative business, has many advantages over traditional public banking. Fund pools are essential in the cash management field; fund pools are a means of cash management liquidity management.
In existing fund pools, legal overdraft typically opens up on an account with the core system, and if the account is added to the fund pool, the fund pool is difficult to use.
Disclosure of Invention
The application provides a legal overdraft method and device for a fund pool and a storage medium, so as to solve the problem that the fund pool is difficult to use the legal overdraft.
In a first aspect, the present application provides a legal overdraft method of a fund pool, applied to a fund pool management system, the method comprising:
receiving a payment request sent by a core system for any target account in all accounts of the fund pool, wherein the payment request comprises an amount to be paid;
judging whether the fund pool has available funds or not according to the total balance of all accounts of the fund pool and the preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid;
if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account;
And sending overdraft requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft accounts in the fund pool.
In a second aspect, the present application provides a legal overdraft device for a fund pool, comprising:
the receiving module is used for receiving a payment request which is sent by the core system and is aimed at any target account in all accounts of the fund pool, wherein the payment request comprises an amount to be paid;
the transaction control module is used for judging whether available funds exist in the fund pool or not according to the total balance of all accounts in the fund pool and preset forensic overdraft information of the forensic overdraft accounts, and the available funds are not less than the amount to be paid; if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account;
and the overdraft transferring module is used for sending overdraft transferring requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft in the fund pool to the legal overdraft accounts.
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 the method as described in the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for performing the method according to the first aspect when executed by a processor.
In a fifth aspect, the present application provides a computer program product comprising computer-executable instructions which, when executed by a processor, implement the method as described in the first aspect.
The legal overdraft method, the legal overdraft device and the storage medium of the fund pool provided by the application are characterized in that a payment request which is sent by a core system and is aimed at any target account in all accounts of the fund pool is received through a fund pool management system, and the payment request comprises an amount to be paid; judging whether the fund pool has available funds or not according to the total balance of all accounts of the fund pool and the preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid; if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account; and sending overdraft requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft accounts in the fund pool. All accounts in the fund pool can share the legal overdraft limit, so that the legal overdraft can be used by all accounts in the fund pool, and the payment capability of the accounts in the fund pool is improved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
FIG. 1a is a schematic diagram of a system architecture of an account type conversion method for a fund pool according to an embodiment of the present application;
FIG. 1b is a schematic diagram of a fund pool provided in an embodiment of the present application;
FIG. 2 is a flow chart of a method for account type conversion of a fund pool provided in an embodiment of the present application;
FIG. 3 is a block diagram of an account type conversion device for a fund pool according to an embodiment of the present application;
fig. 4 is a block diagram of an electronic device according to an embodiment of the present application.
Specific embodiments thereof have been shown by way of example in the drawings and will herein be described in more detail. These drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments.
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 are not representative of all implementations consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as detailed in the accompanying claims.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.
It should be noted that, the legal overdraft method and device for the fund pool of the present application may be used in the financial field or other fields, and may also be used in any field other than the financial field or other fields, and the application field of the legal overdraft method and device for the fund pool of the present application is not limited.
Technical terms in the present application will be explained first:
legal overdraft: the method is characterized in that after the enterprise obtains the credit limit of the bank, the bank provides short-term financing and settlement convenience business in the form of overdraft for the enterprise within the agreed limit of the account. When the enterprises have temporary fund demands and the deposit account balance is insufficient for external payment, the legal overdraft provides active financing convenience for the enterprises. The account can be used for some funds except the account, overdraft is caused after the account is used, and the bank can not collect overdraft due to the existence of credit.
Core system: the core system of the bank can carry out transactions, transfer accounts, legal overdraft subscription and other businesses;
fund pool management system: and a peripheral system of the core system for managing a fund pool, wherein the fund pool comprises a plurality of accounts of one customer.
In existing fund pools, legal overdraft typically opens up on an account with the core system, and if the account is added to the fund pool, the fund pool is difficult to use. The reason for this is that the fund pool includes multiple accounts of the same customer, and one customer can usually only open the legal overdraft service in one account, and other accounts cannot use the legal overdraft; in addition, the legal overdraft needs to sign up in the core system, and the signed legal overdraft information can be modified in the core system at any time, so that the fund pool management system cannot update the legal overdraft information in time.
In order to solve at least one technical problem, an embodiment of the present application provides a legal overdraft method for a fund pool, where a payment request for any target account in all accounts of the fund pool, which is sent by a core system, is received by a fund pool management system, and the payment request includes an amount to be paid; judging whether the fund pool has available funds or not according to the total balance of all accounts of the fund pool and the preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid; if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account; and sending overdraft requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft accounts in the fund pool. All accounts in the fund pool can share the legal overdraft limit, so that the legal overdraft can be used by all accounts in the fund pool, and the payment capability of the accounts in the fund pool is improved.
In addition, the preset legal overdraft information can be modified in the core system, including but not limited to modifying the preset legal overdraft amount, effective time, end time and the like, in order to ensure that the fund pool management system updates the preset legal overdraft information in time, the fund pool management system can automatically inquire the latest preset legal overdraft information to the core system at intervals, and the inquiry frequency can be dynamically changed along with the signing time of the preset legal overdraft information, the remaining legal overdraft amount, the used legal overdraft amount, the transaction frequency of all accounts of the fund pool and the like; in addition, the core system sends the latest default legal overdraft information to the fund pool management system at the end of the day, so that omission is avoided, and the fund pool management system is ensured to update the default legal overdraft information in time.
The system architecture of the legal overdraft method of the fund pool is shown in fig. 1a, and comprises a fund pool management system and a core system, wherein the fund pool management system is used for managing the fund pool, and can execute the legal overdraft method of the fund pool, wherein the fund pool comprises a plurality of accounts of the same customer, one account is a legal overdraft account, and the other accounts are ordinary accounts, as shown in fig. 1 b; the core system is a system for banks to take charge of transactions, transfer accounts, legal overdraft subscription and other services. The interaction between the fund pool management system and the core system adopts a CICS (Customer Information Control System, client information control system) direct connection mode to ensure the real-time performance of the interaction, wherein the interaction comprises the steps that the core system sends a payment request to the fund pool management system, the fund pool management system sends a payment response (payment permission information) to the core system, the daily terminal balance of a current account is transferred to a periodic account, the daily terminal balance of the periodic account is transferred to the current account, the core system sends a overdraft request to the fund pool management system, and the core system inquires preset legal overdraft information to the fund pool management system; and the core system at the end of the day can send preset legal overdraft information to the fund pool management system in a text mode.
The following describes the technical solutions of the present application and how the technical solutions of the present application solve the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
FIG. 2 is a flow chart of a legal overdraft method for a fund pool provided in an embodiment of the present application. As shown in fig. 2, the execution body of the method is a fund pool management system, wherein the fund pool includes a plurality of accounts of the same customer, one account can be designated as a legal overdraft account, and the other accounts are ordinary accounts, that is, the fund pool includes a legal overdraft account and an ordinary account, the legal overdraft account has the legal overdraft capability additionally based on the ordinary account, and the legal overdraft method of the fund pool specifically includes the following steps:
s201, receiving a payment request which is sent by a core system and is aimed at any target account in all accounts of the fund pool, wherein the payment request comprises an amount to be paid.
In this embodiment, when any target account in the fund pool is required to make a payment, the core system may send a payment request for the target account to the fund pool management system, where the payment request includes an amount to be paid. The target account in this embodiment may be any common account in the fund pool, or may be a legal overdraft account.
S202, judging whether available funds exist in the fund pool or not according to the total balance of all accounts of the fund pool and preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid.
In this embodiment, in order to make all accounts in the fund pool pay by using the overdraft of the legal person, so that the overdraft of the legal person can be shared for all accounts in the fund pool, and the total balance of all accounts in the fund pool is shared as well, therefore, when a certain target account needs to pay, whether the fund pool has available funds and the available funds are not less than the amount to be paid according to the total balance of all accounts in the fund pool and the preset overdraft information of the overdraft account of the legal person, that is, whether the fund pool can pay the amount to be paid is actually judged, if the fund pool has available funds and the available funds are not less than the amount to be paid, the fund pool is indicated to pay the amount to be paid, and therefore payment is allowed; if there is no available funds in the fund pool or the available funds are less than the amount to be paid, it is indicated that the fund pool is not capable of paying the amount to be paid and therefore payment is not allowed.
And S203, if the available funds exist in the fund pool and the available funds are not less than the amount to be paid, sending first payment permission information to the core system so that the core system uses the target account to pay the amount to be paid.
In this embodiment, if the available funds exist in the fund pool and the available funds are not less than the amount to be paid, the fund pool management system may send first payment permission information to the core system to instruct the core system to pay the amount to be paid through the target account, and of course, after the payment is completed, the account of the target account may be positive, 0 or negative.
S204, sending overdraft requests to the core system at the end of the day, so that the core system transfers overdraft amounts of all accounts with overdraft in the fund pool to the legal overdraft accounts.
In this embodiment, the daily end balance of all accounts in the fund pool may be checked during the daily end check, where the daily end balance of the account with overdraft is negative, and since overdraft occurs in the legal overdraft account and overdraft occurs in the legal overdraft limit, overdraft occurs in the normal account and overdraft occurs in the normal account, in order to avoid overdraft occurs in each account in the fund pool, the overdraft amount of the account with overdraft occurs may be transferred to the legal overdraft account, and specifically, the fund pool management system may send an overdraft request to the core system to instruct the core system to transfer the overdraft amount between the legal overdraft account and the account with overdraft occurs, so that the overdraft amount of all the accounts with overdraft occurs is transferred to the legal overdraft account, and the daily end balance of the account with overdraft occurs is 0.
It should be noted that if the account with overdraft at the end of the day is only a legal overdraft account, the overdraft transfer described above is not required.
In the legal overdraft method for the fund pool provided by the embodiment, a payment request sent by a core system for any target account in all accounts of the fund pool is received through a fund pool management system, wherein the payment request comprises an amount to be paid; judging whether the fund pool has available funds or not according to the total balance of all accounts of the fund pool and the preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid; if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account; and sending overdraft requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft accounts in the fund pool. All accounts in the fund pool can share the legal overdraft limit, so that the legal overdraft can be used by all accounts in the fund pool, and the payment capability of the accounts in the fund pool is improved.
On the basis of any of the foregoing embodiments, S202 includes that the preset forensic overdraft information includes a preset forensic overdraft amount, and the determining, according to the total balance of all accounts in the fund pool and the preset forensic overdraft information of the forensic overdraft account, whether the fund pool has available funds, where the available funds are not less than the amount to be paid, may specifically include:
and determining the sum of the total balance of all accounts of the fund pool and the overdraft limit of the preset legal person as available funds, and comparing the available funds with the amount to be paid to judge whether the available funds are not less than the amount to be paid.
In this embodiment, since all accounts in the fund pool can share the legal overdraft, and the same holds true, the sum of the total balances of all accounts in the fund pool and the preset legal overdraft is determined as available funds, if the sum of the total balances of all accounts in the fund pool and the preset legal overdraft is greater than 0, the available funds in the fund pool are indicated, the available funds are compared with the amount to be paid, if the available funds are not less than the amount to be paid, the target account is allowed to pay the amount to be paid, and if the available funds are less than the amount to be paid, the target account is not allowed to pay the amount to be paid.
In another alternative embodiment, the determining whether the fund pool has available funds, and the available funds are not less than the amount to be paid, may also be performed according to different conditions, and specifically may include:
case 1: if the current balance of the target account is not less than the amount to be paid, determining that available funds exist in the fund pool, and the available funds are not less than the amount to be paid; that is, the current balance of the target account is sufficient to pay the amount to be paid, and the current balance of the target account can be directly adopted to pay the amount to be paid;
case 2: if the current balance of the target account is less than the amount to be paid, judging whether the total balance of all accounts in the fund pool is not less than the amount to be paid, and if the total balance of all accounts in the fund pool is not less than the amount to be paid, determining that available funds exist in the fund pool and the available funds are not less than the amount to be paid; that is, if the current balance of the target account is insufficient to pay the amount to be paid, the target account is allowed to pay the amount to be paid if the total balance of all accounts in the fund pool is sufficient to pay the amount to be paid;
Case 3: if the balance of the target account is less than the amount to be paid and the total balance of all accounts in the fund pool is less than the amount to be paid, judging whether the sum of the total balance of all accounts in the fund pool and the preset legal overdraft limit is not less than the amount to be paid, if the sum of the total balance of all accounts in the fund pool and the preset legal overdraft limit is not less than the amount to be paid, determining that available funds in the fund pool are available and the available funds are not less than the amount to be paid; that is, when the current balance of the target account is insufficient to pay the amount to be paid and the total balance of all accounts of the fund pool is also insufficient to pay the amount to be paid, a preset legal overdraft limit is required to be used, at this time, the sum of the total balance of all accounts of the fund pool and the preset legal overdraft limit is taken as available funds, and if the sum of the total balance of all accounts of the fund pool and the preset legal overdraft limit is sufficient to pay the amount to be paid, the target account is also allowed to pay the amount to be paid; if the sum of the total balance of all accounts in the fund pool and the overdraft limit of the preset legal person is insufficient at this time to pay the to-be-paid amount, the target account is not allowed to pay the to-be-paid amount, and the payment fails;
Case 4: if the total balance of all accounts in the fund pool is smaller than 0, obtaining the overdraft limit of the remaining legal person, judging whether the overdraft limit of the remaining legal person is not smaller than the to-be-paid amount, if the overdraft limit of the remaining legal person is not smaller than the to-be-paid amount, determining that the fund pool has available funds and the available funds are not smaller than the to-be-paid amount; that is, a part of the default legal overdraft limit is used in the fund pool at this time, the remaining legal overdraft limit can be obtained, the remaining legal overdraft limit is used as available funds, and if the remaining legal overdraft limit is enough to pay the amount to be paid, the target account is allowed to pay the amount to be paid; if the remaining legal overdraft amount is insufficient to pay the to-be-paid amount, the target account is not allowed to pay the to-be-paid amount, and the payment fails.
In the following explanation, a specific example is taken to illustrate a payment scenario shown in table 1, where account A, B, C is the same fund pool account, a legal overdraft account is designated as account a, a preset legal overdraft account of account a is 1000, and assuming that the balance of account A, B, C is 0 at the beginning, then account A, B, C pays out 200, 300 and 100 respectively, and corresponding amounts of legal overdraft account are used respectively. When the account A pays 500 again, the account A is not allowed to pay and the payment fails because the remaining legal overdraft amount 400 is smaller than the amount to be paid 500.
TABLE 1 Payment scenario
On the basis of any one of the foregoing embodiments, S203 is configured to send a overdraft request to the core system at the end of the day, so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft account in the fund pool, including:
determining that an overdrawn ordinary account exists in the fund pool at the end of the day;
and sending a first transfer request to the core system so that the core system transfers money from the legal overdraft account to the ordinary account with overdraft to balance the overdraft amount of the ordinary account with overdraft.
In this embodiment, the daily end balance of all the accounts in the fund pool is checked at the time of the day end, and the common account with overdraft in the fund pool is determined, and the overdraft amount of the account with overdraft is transferred to the legal overdraft account, so that whether overdraft exists in the legal overdraft account at the time can be ignored.
Further, the overdraft amount of the ordinary account with the overdraft can be transferred to the legal overdraft account, namely, the overdraft amount transferred by the legal overdraft account is balanced to 0, wherein if the balance of the legal overdraft account is not less than the overdraft amount of the ordinary account with the overdraft, the balance of the legal overdraft account is transferred to the ordinary account with the overdraft, and if the balance of the legal overdraft account is greater than the overdraft amount of the ordinary account with the overdraft and is less than the overdraft amount of the ordinary account with the overdraft, the overdraft account is transferred to the ordinary account with the overdraft in a overdraft mode. Specifically, the fund pool management system may send a first transfer request to the core system, where the first transfer request is used to instruct the core system to transfer money from the forensic overdraft account to the ordinary account with overdraft, and the first transfer request further includes a transfer amount, where the transfer amount is equal to the overdraft amount of the ordinary account with overdraft.
In the following explanation, a specific example is used to explain the overdraft scenario, as shown in table 2, the account A, B, C is the same fund pool account, the forensic overdraft account is designated as account a, the preset forensic overdraft limit of account a is 1000, before overdraft, the ordinary accounts B and C have overdraft of 200 and 100 respectively, the partial overdraft needs to be transferred to the forensic overdraft account a, two automatic transfer transactions are initiated, the account a transfers 200 to the ordinary account B, and the account a transfers 100 to the ordinary account C. After transfer, only the legal overdraft account A has overdraft, the balance of the ordinary accounts B and C is 0, and the rest legal overdraft amount is unchanged.
TABLE 2 overdraft scenes
On the basis of the above embodiment, considering that there may be a case where after overdraft, the overdraft account of the legal person has overdraft, but there is a normal account with a balance greater than 0 in the fund pool, in order to avoid overdraft account amount of the legal person overdraft account exceeding a preset overdraft amount and generating overdraft interest, in this embodiment, the normal account with a balance greater than 0 may be used to transfer money to the overdraft account of the legal person, so as to fill the overdraft amount of the legal person overdraft account. If the balance of the common account with the balance larger than 0 is larger than the overdraft amount of the overdraft account of the legal person, the transfer amount is equal to the overdraft amount of the overdraft account of the legal person when the account is transferred to the overdraft account of the legal person, and the overdraft account of the legal person is supplemented; if the balance of the common account with the balance being greater than 0 is not greater than the overdraft amount of the overdraft account of the legal person, the balance of the common account with the balance being greater than 0 can be completely transferred to the overdraft account of the legal person.
In the following explanation, a specific example is used to explain the overdraft scenario, as shown in table 3, the account A, B, C is the same fund pool account, the forensic overdraft account is designated as the account a, the preset forensic overdraft limit of the account a is 1000, before overdraft, the forensic overdraft account a has 700 overdraft, the ordinary account B has 500 overdraft, the ordinary account C balance 600, the overdraft of the ordinary account B needs to be transferred to the forensic overdraft account a, an automatic transfer transaction is initiated, and 500 transfers from the forensic overdraft account a to the ordinary account B. After transfer, only the overdraft account A of the legal person has overdraft account balance-1200, the account balance of the ordinary account B is 0, the account balance of the ordinary account C is 600, and the overdraft account A of the legal person exceeds the preset overdraft limit, so that the balance 600 of the ordinary account C can be transferred to the overdraft account A of the legal person in order to avoid overdraft interest, and therefore, the overdraft account A of the legal person only has overdraft account 600 and does not exceed the preset overdraft limit, and overdraft interest cannot be generated.
TABLE 3 overdraft scenes
On the basis of any of the above embodiments, the preset legal overdraft information may be modified in the core system, including but not limited to modifying the preset legal overdraft amount, the effective time, the end time, etc., so as to ensure that the fund pool management system updates the preset legal overdraft information in time, and ensure the accuracy of the judgment in step S202, in this embodiment, the updating may be performed by the following procedure:
Determining the query frequency of overdraft information of a preset legal person according to at least one of the following information: presetting signing time of legal overdraft information, remaining legal overdraft amount, used legal overdraft amount or transaction frequency of all accounts of the fund pool; sending a query request for overdraft information of a preset legal person to the core system according to the query frequency, receiving latest overdraft information of the preset legal person returned by the core system, and updating current overdraft information of the preset legal person according to the latest overdraft information of the preset legal person; and/or
And receiving the latest preset legal overdraft information sent by the core system at the end of the day, and updating the current preset legal overdraft information according to the latest preset legal overdraft information.
In this embodiment, the updating process includes active query and passive update, where the active query needs to automatically query the core system at intervals, and the query frequency may be a fixed query frequency, but considering that the fixed query frequency may not be able to query or consume more resources in time, a dynamic query frequency may be used in this embodiment, and the dynamic query frequency may dynamically change along with the subscription time of the preset legal overdraft information, the remaining legal overdraft amount, the used legal overdraft amount, or the transaction frequency of all accounts in the fund pool.
The passive updating is to avoid omission, and the core system can send the latest preset legal overdraft information to the fund pool management system at the end of the day, wherein the core system can send the latest preset legal overdraft information to the fund pool management system in a text mode, and in addition, because of different fund pools, the core system can send the latest preset legal overdraft information to different fund pool management systems in batches.
In an alternative embodiment, when determining the query frequency of the preset legal overdraft information, the method may include:
if the time interval from the signing time to the current time does not exceed the preset time interval, determining the query frequency according to a regular Ethernet distribution rule; or if the time interval from the subscription time to the current time exceeds the preset time interval, setting the query frequency as a preset query frequency.
In this embodiment, by analyzing the overdraft condition of the existing subscription and the user, the probability of the client changing the overdraft information of the preset method after the new subscription is maximum, the changing probability gradually decreases with the time, and the changing probability basically accords with the N-N (u, delta) distribution of u=0, delta=3.5 when the time interval from the subscription time to the current time does not exceed the preset time interval (e.g. 7 days) 2 ) According to the rounding calculation query frequency, the query frequency can be the number of times of query per hour; when the time interval from the subscription time to the current time exceeds the preset time interval, the change probability is smaller, and the query frequency can be set to be the preset query frequency, for example, 1 query per hour. The query frequency (number of queries per hour) is given by:
wherein N is 1 For the query frequency (number of queries per hour), n is the time interval (in days) from the subscription time to the current time. Examples are shown in table 4:
table 4 query frequency
In another alternative embodiment, when determining the query frequency of the preset legal overdraft information, the method may include:
and if the proportion of the remaining legal overdraft limit in the preset legal overdraft limit is smaller than a first preset proportion threshold value or the proportion of the used legal overdraft limit in the preset legal overdraft limit is larger than a second preset proportion threshold value, doubling the query frequency by a first preset multiple.
In this embodiment, through analysis of the usage situation of legal overdraft, when the remaining legal overdraft is smaller or the usage legal overdraft is greater, the client modifies the preset legal overdraft information with the maximum probability, so the query frequency can be adjusted according to the remaining legal overdraft or the usage legal overdraft, and when the remaining legal overdraft is smaller or the usage legal overdraft is greater, the query frequency is increased, for example, the query frequency is doubled by a first preset multiple. For example, according to the existing data analysis, the query frequency is doubled when the remaining legal overdraft limit Δf is less than or equal to 1/4F, where F represents the preset legal overdraft limit, specifically, for example, when a query frequency N has been determined 1 In the case of (a), the query frequency N 2 The formula is as follows:
in another alternative embodiment, when determining the query frequency of the preset legal overdraft information, the method may include:
and if the transaction frequency is greater than a preset transaction frequency threshold, doubling the query frequency by a second preset multiple.
In this embodiment, the modification of the preset legal overdraft information is also related to the activity of the account, and when the activity of the account is higher, the probability of modification of the preset legal overdraft information is also higher, so that the activity of the account can be reflected according to the transaction frequency (or the transaction amount), and the greater the transaction frequency, the greater the activity of the account, and the greater the query frequency can be increased. According to the existing business analysis, when the number of transactions of the account on the day exceeds 10, the account is active, and the query frequency is doubled. In particular, e.g. when a query frequency N has been determined 2 In the case of (a), the query frequency N 3 The formula is as follows:
where t represents the number of transactions on the same day.
In addition, considering that the query frequency does not need to be infinitely large, the aging requirement of the overdraft information of the preset legal person can be basically met by reaching a certain preset query frequency upper limit, therefore, on the basis of the embodiment, if the query frequency exceeds the preset query frequency upper limit, the query frequency is set to be the preset query frequency upper limit. For example, if the upper limit of the preset query frequency is 10 queries per hour, the query frequency may be the minimum value of 10, that is, the maximum of 10 queries per hour, and the formula is as follows:
N＝min(10，N 3 )
It should be noted that, the above several alternative embodiments for determining the query frequency of the preset legal overdraft information may be arbitrarily combined without conflict, which is not illustrated herein. By dynamically determining the query frequency of the overdraft information of the preset legal person, the fund pool management system can be ensured to update the overdraft information of the preset legal person in time, and the system consumption can be reduced.
Fig. 3 is a block diagram of a legal overdraft device of a fund pool according to an embodiment of the disclosure, which corresponds to the legal overdraft method of a fund pool according to the above embodiment, and may be used to implement the technical solution of the method embodiment of the terminal side. For ease of illustration, only portions relevant to embodiments of the present disclosure are shown. Referring to fig. 3, the legal transparent party device 300 of the fund pool includes: a receiving module 301, a transaction control module 302, and a overdraft transfer module 303.
The receiving module 301 is configured to receive a payment request sent by a core system for any target account in all accounts of the fund pool, where the payment request includes an amount to be paid;
the transaction control module 302 is configured to determine whether the fund pool has available funds according to the total balances of all accounts in the fund pool and preset forensic overdraft information of the forensic overdraft accounts, where the available funds are not less than the amount to be paid; if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account;
And the overdraft module 303 is configured to send an overdraft request to the core system at the end of the day, so that the core system transfers overdraft amounts of all accounts with overdraft in the fund pool to the legal overdraft account.
In one or more embodiments of the present application, the overdraft module 303 sends a overdraft request to the core system at the end of the day, so that when the core system transfers overdraft amounts of all accounts in the fund pool in which overdraft occurs to the legal overdraft account, the overdraft module is configured to:
determining that an overdrawn ordinary account exists in the fund pool at the end of the day;
and sending a first transfer request to the core system so that the core system transfers money from the legal overdraft account to the ordinary account with overdraft to balance the overdraft amount of the ordinary account with overdraft.
In one or more embodiments of the present application, the overdraft module 303 is further configured to:
if overdraft exists in the legal overdraft account and a common account with the balance being greater than 0 exists in the fund pool after overdraft transfer, a second transfer request is sent to the core system, so that the core system transfers money from the common account with the balance being greater than 0 to the legal overdraft account, and overdraft amount existing in the legal overdraft account is filled.
In one or more embodiments of the present application, the preset legal overdraft information includes a preset legal overdraft amount, and the transaction control module 302 is configured to, when determining, according to the total balances of all accounts in the fund pool and the preset legal overdraft information of the legal overdraft account, whether the fund pool has available funds, and the available funds are not less than the amount to be paid, determine that the available funds are not less than the amount to be paid:
and determining the sum of the total balance of all accounts of the fund pool and the overdraft limit of the preset legal person as available funds, and comparing the available funds with the amount to be paid to judge whether the available funds are not less than the amount to be paid.
In one or more embodiments of the present application, the preset legal overdraft information includes a preset legal overdraft amount, and the transaction control module 302 is configured to, when determining, according to the total balances of all accounts in the fund pool and the preset legal overdraft information of the legal overdraft account, whether the fund pool has available funds, and the available funds are not less than the amount to be paid, determine that the available funds are not less than the amount to be paid:
if the current balance of the target account is not less than the amount to be paid, determining that available funds exist in the fund pool, and the available funds are not less than the amount to be paid; or alternatively
If the current balance of the target account is less than the amount to be paid, judging whether the total balance of all accounts in the fund pool is not less than the amount to be paid, and if the total balance of all accounts in the fund pool is not less than the amount to be paid, determining that available funds exist in the fund pool and the available funds are not less than the amount to be paid; or alternatively
If the balance of the target account is less than the amount to be paid and the total balance of all accounts in the fund pool is less than the amount to be paid, judging whether the sum of the total balance of all accounts in the fund pool and the preset legal overdraft limit is not less than the amount to be paid, if the sum of the total balance of all accounts in the fund pool and the preset legal overdraft limit is not less than the amount to be paid, determining that available funds in the fund pool are available and the available funds are not less than the amount to be paid; or alternatively
If the total balance of all accounts in the fund pool is smaller than 0, obtaining the overdraft limit of the remaining legal person, judging whether the overdraft limit of the remaining legal person is not smaller than the to-be-paid amount, and if the overdraft limit of the remaining legal person is not smaller than the to-be-paid amount, determining that the fund pool has available funds and the available funds are not smaller than the to-be-paid amount.
In one or more embodiments of the present application, the apparatus further includes a legal overdraft information update module configured to:
determining the query frequency of overdraft information of a preset legal person according to at least one of the following information: presetting signing time of legal overdraft information, remaining legal overdraft amount, used legal overdraft amount or transaction frequency of all accounts of the fund pool; sending a query request for overdraft information of a preset legal person to the core system according to the query frequency, receiving latest overdraft information of the preset legal person returned by the core system, and updating current overdraft information of the preset legal person according to the latest overdraft information of the preset legal person; and/or
And receiving the latest preset legal overdraft information sent by the core system at the end of the day, and updating the current preset legal overdraft information according to the latest preset legal overdraft information.
In one or more embodiments of the present application, the legal overdraft information updating module is configured to, when determining a query frequency for preset legal overdraft information, at least one of:
if the time interval from the signing time to the current time does not exceed the preset time interval, determining the query frequency according to a regular Ethernet distribution rule; or alternatively
If the time interval from the signing time to the current time exceeds a preset time interval, setting the query frequency as a preset query frequency; or alternatively
If the proportion of the remaining legal overdraft limit in the preset legal overdraft limit is smaller than a first preset proportion threshold value or the proportion of the used legal overdraft limit in the preset legal overdraft limit is larger than a second preset proportion threshold value, doubling the query frequency by a first preset multiple; or alternatively
If the transaction frequency is greater than a preset transaction frequency threshold, doubling the query frequency by a second preset multiple; or alternatively
And if the query frequency exceeds the preset query frequency upper limit, setting the query frequency as the preset query frequency upper limit.
The legal overdraft device for the fund pool provided by the embodiment can be used for executing the technical scheme of the method embodiment, and the implementation principle and the technical effect are similar, and the embodiment is not repeated here.
Fig. 4 is a block diagram of an electronic device, which may be a computer, server, etc., in accordance with an example embodiment.
Electronic device 400 may include one or more of the following components: a processing component 402, a memory 404, a power component 406, a multimedia component 408, an audio component 410, an input/output (I/O) interface 412, a sensor component 414, and a communication component 416.
The processing component 402 generally controls overall operation of the electronic device 400, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing component 402 may include one or more processors 420 to execute instructions to perform all or part of the steps of the methods described above. Further, the processing component 402 can include one or more modules that facilitate interaction between the processing component 402 and other components. For example, the processing component 402 may include a multimedia module to facilitate interaction between the multimedia component 408 and the processing component 402.
The memory 404 is configured to store various types of data to support operations at the electronic device 400. Examples of such data include instructions for any application or method operating on electronic device 400, contact data, phonebook data, messages, pictures, videos, and the like. The memory 404 may be implemented by any type or combination of volatile or nonvolatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk.
The power supply component 406 provides power to the various components of the electronic device 400. The power components 406 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for the electronic device 400.
The multimedia component 408 includes a screen between the electronic device 400 and the user that provides an output interface. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from a user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensor may sense not only the boundary of a touch or slide action, but also the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 408 includes a front camera and/or a rear camera. When the electronic device 400 is in an operational mode, such as a shooting mode or a video mode, the front-facing camera and/or the rear-facing camera may receive external multimedia data. Each front camera and rear camera may be a fixed optical lens system or have focal length and optical zoom capabilities.
The audio component 410 is configured to output and/or input audio signals. For example, the audio component 410 includes a Microphone (MIC) configured to receive external audio signals when the electronic device 400 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signals may be further stored in the memory 404 or transmitted via the communication component 416. In some embodiments, audio component 410 further includes a speaker for outputting audio signals.
The I/O interface 412 provides an interface between the processing component 402 and peripheral interface modules, which may be a keyboard, click wheel, buttons, etc. These buttons may include, but are not limited to: homepage button, volume button, start button, and lock button.
The sensor assembly 414 includes one or more sensors for providing status assessment of various aspects of the electronic device 400. For example, the sensor assembly 414 may detect an on/off state of the electronic device 400, a relative positioning of the components, such as a display and keypad of the electronic device 400, the sensor assembly 414 may also detect a change in position of the electronic device 400 or a component of the electronic device 400, the presence or absence of a user's contact with the electronic device 400, an orientation or acceleration/deceleration of the electronic device 400, and a change in temperature of the electronic device 400. The sensor assembly 414 may include a proximity sensor configured to detect the presence of nearby objects in the absence of any physical contact. The sensor assembly 414 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 414 may also include an acceleration sensor, a gyroscopic sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
The communication component 416 is configured to facilitate communication between the electronic device 400 and other devices, either wired or wireless. The electronic device 400 may access a wireless network based on a communication standard, such as WiFi,2G, or 3G, or a combination thereof. In one exemplary embodiment, the communication component 416 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 416 further includes a Near Field Communication (NFC) module to facilitate short range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, ultra Wideband (UWB) technology, bluetooth (BT) technology, and other technologies.
In an exemplary embodiment, the electronic device 400 may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic elements for executing the methods described above.
In an exemplary embodiment, the present application also provides a non-transitory computer-readable storage medium, such as memory 404, comprising instructions executable by processor 420 of electronic device 400 to perform the above-described method. For example, the non-transitory computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.
The present application also provides a non-transitory computer readable storage medium, which when executed by a processor of a terminal device, enables the terminal device to perform the above method.
The present application also provides a computer program product comprising computer-executable instructions which, when executed by a processor, implement the above-described method.
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention 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 present 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 (10)
1. A method of forensic overdraft of a fund pool, applied to a fund pool management system, the method comprising:
receiving a payment request sent by a core system for any target account in all accounts of the fund pool, wherein the payment request comprises an amount to be paid;
judging whether the fund pool has available funds or not according to the total balance of all accounts of the fund pool and the preset forensic overdraft information of the forensic overdraft accounts, wherein the available funds are not less than the amount to be paid;
if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account;
and sending overdraft requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft to the legal overdraft accounts in the fund pool.
2. The method of claim 1, wherein the sending a overdraft request to the core system at the end of day to cause the core system to transfer the overdraft amounts of all accounts in the fund pool for which overdraft occurs to the legal overdraft account comprises:
Determining that an overdrawn ordinary account exists in the fund pool at the end of the day;
and sending a first transfer request to the core system so that the core system transfers money from the legal overdraft account to the ordinary account with overdraft to balance the overdraft amount of the ordinary account with overdraft.
3. The method according to claim 2, wherein the method further comprises:
if overdraft exists in the legal overdraft account and a common account with the balance being greater than 0 exists in the fund pool after overdraft transfer, a second transfer request is sent to the core system, so that the core system transfers money from the common account with the balance being greater than 0 to the legal overdraft account, and overdraft amount existing in the legal overdraft account is filled.
4. The method of claim 1, wherein the predetermined legal overdraft information includes a predetermined legal overdraft amount, and wherein the determining whether the fund pool has available funds and the available funds are not less than the amount to be paid based on the total balance of all accounts of the fund pool and the predetermined legal overdraft information of the legal overdraft account includes:
and determining the sum of the total balance of all accounts of the fund pool and the overdraft limit of the preset legal person as available funds, and comparing the available funds with the amount to be paid to judge whether the available funds are not less than the amount to be paid.
5. The method of claim 1, wherein the predetermined legal overdraft information includes a predetermined legal overdraft amount, and wherein the determining whether the fund pool has available funds and the available funds are not less than the amount to be paid based on the total balance of all accounts of the fund pool and the predetermined legal overdraft information of the legal overdraft account includes:
if the current balance of the target account is not less than the amount to be paid, determining that available funds exist in the fund pool, and the available funds are not less than the amount to be paid; or alternatively
If the current balance of the target account is less than the amount to be paid, judging whether the total balance of all accounts in the fund pool is not less than the amount to be paid, and if the total balance of all accounts in the fund pool is not less than the amount to be paid, determining that available funds exist in the fund pool and the available funds are not less than the amount to be paid; or alternatively
If the balance of the target account is less than the amount to be paid and the total balance of all accounts in the fund pool is less than the amount to be paid, judging whether the sum of the total balance of all accounts in the fund pool and the preset legal overdraft limit is not less than the amount to be paid, if the sum of the total balance of all accounts in the fund pool and the preset legal overdraft limit is not less than the amount to be paid, determining that available funds in the fund pool are available and the available funds are not less than the amount to be paid; or alternatively
If the total balance of all accounts in the fund pool is smaller than 0, obtaining the overdraft limit of the remaining legal person, judging whether the overdraft limit of the remaining legal person is not smaller than the to-be-paid amount, and if the overdraft limit of the remaining legal person is not smaller than the to-be-paid amount, determining that the fund pool has available funds and the available funds are not smaller than the to-be-paid amount.
6. The method according to claim 1, wherein the method further comprises:
determining the query frequency of overdraft information of a preset legal person according to at least one of the following information: presetting signing time of legal overdraft information, remaining legal overdraft amount, used legal overdraft amount or transaction frequency of all accounts of the fund pool; sending a query request for overdraft information of a preset legal person to the core system according to the query frequency, receiving latest overdraft information of the preset legal person returned by the core system, and updating current overdraft information of the preset legal person according to the latest overdraft information of the preset legal person; and/or
And receiving the latest preset legal overdraft information sent by the core system at the end of the day, and updating the current preset legal overdraft information according to the latest preset legal overdraft information.
7. The method of claim 6, wherein the determining the query frequency for preset legal overdraft information comprises at least one of:
if the time interval from the signing time to the current time does not exceed the preset time interval, determining the query frequency according to a regular Ethernet distribution rule; or alternatively
If the time interval from the signing time to the current time exceeds a preset time interval, setting the query frequency as a preset query frequency; or alternatively
If the proportion of the remaining legal overdraft limit in the preset legal overdraft limit is smaller than a first preset proportion threshold value or the proportion of the used legal overdraft limit in the preset legal overdraft limit is larger than a second preset proportion threshold value, doubling the query frequency by a first preset multiple; or alternatively
If the transaction frequency is greater than a preset transaction frequency threshold, doubling the query frequency by a second preset multiple; or if the query frequency exceeds the preset query frequency upper limit, setting the query frequency as the preset query frequency upper limit.
8. A legal overdraft device for a fund pool, comprising:
the receiving module is used for receiving a payment request which is sent by the core system and is aimed at any target account in all accounts of the fund pool, wherein the payment request comprises an amount to be paid;
The transaction control module is used for judging whether available funds exist in the fund pool or not according to the total balance of all accounts in the fund pool and preset forensic overdraft information of the forensic overdraft accounts, and the available funds are not less than the amount to be paid; if the available funds exist in the fund pool and the available funds are not less than the to-be-paid amount, sending first payment permission information to the core system so that the core system pays the to-be-paid amount by adopting the target account;
and the overdraft transferring module is used for sending overdraft transferring requests to the core system at the end of the day so that the core system transfers overdraft amounts of all accounts with overdraft in the fund pool to the legal overdraft accounts.
9. 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 method of any one of claims 1-7.
10. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1-7.
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| CN202311251261.6A CN117273893A (en) | 2023-09-26 | 2023-09-26 | Legal overdraft method and device for fund pool and storage medium |
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