WO2019037449A1 - 基于资金归集的余额计算方法、装置、终端设备及介质 - Google Patents

基于资金归集的余额计算方法、装置、终端设备及介质 Download PDF

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WO2019037449A1
WO2019037449A1 PCT/CN2018/083300 CN2018083300W WO2019037449A1 WO 2019037449 A1 WO2019037449 A1 WO 2019037449A1 CN 2018083300 W CN2018083300 W CN 2018083300W WO 2019037449 A1 WO2019037449 A1 WO 2019037449A1
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account
date
sub
balance
amount
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French (fr)
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金明
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Definitions

  • the present application belongs to the field of Internet technologies, and in particular, to a balance calculation method, device, terminal device and medium based on fund collection.
  • the funds collected in the group account still need to be accounted for under the corresponding subsidiary name.
  • the retained funds of the subsidiary account are 1 million, and the subsidiary account is returned to the group account every day for 10 consecutive days.
  • the actual amount of funds of the subsidiary is at least 6 million when accounting, but the subsidiary can only display 1 million funds. Therefore, the problem of fund collection brings that the current actual fund balance of the subsidiary cannot be clearly displayed, which makes it impossible for the group to intuitively and clearly grasp the current actual revenue of each subsidiary.
  • the embodiment of the present application provides a method, a device, a terminal device, and a medium for calculating a balance based on a fund collection, so as to solve the problem that the actual fund balance of the subsidiary cannot be clearly displayed due to the fund collection in the prior art.
  • a first aspect of the embodiments of the present application provides a method for calculating a balance based on a fund collection, comprising:
  • a second aspect of the embodiments of the present application provides a balance calculation device based on a fund collection, the balance calculation device based on a fund collection includes a fund balance based balance calculation method according to the first aspect described above. unit.
  • a third aspect of the embodiments of the present application provides a terminal device, including a memory and a processor, where the computer stores computer readable instructions executable on the processor, the processor executing the computer
  • the steps of the fund-based balance calculation method as described in the first aspect are implemented when the instruction is read.
  • a fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions, the computer readable instructions being executed by a processor to implement the first aspect as described in the first aspect The steps of the method for calculating the balance based on the fund collection.
  • the amount of the sub-account to the primary account and the primary account are calculated by reading the bank flow between the sub-account and the main account.
  • the amount of the account is issued, and then the actual fund balance of the sub-account is updated according to the collected amount and the amount of the issuance, so that the actual amount of funds of the sub-account can be clearly reflected, which greatly facilitates the intuitive understanding and mastery of the actual revenue status of the subsidiary.
  • FIG. 1 is a flowchart of an implementation of a method for calculating a balance based on a fund collection provided by an embodiment of the present application
  • FIG. 2 is a specific implementation flowchart of a fund-based balance calculation method S105 according to an embodiment of the present application
  • FIG. 3 is a flowchart of an implementation of a method for calculating a balance based on a fund collection provided by an embodiment of the present application
  • FIG. 4 is a flowchart of an implementation of a method for calculating a balance based on a fund collection provided by an embodiment of the present application
  • FIG. 5 is a flowchart of implementing fund collection in a fund-based balance calculation method according to an embodiment of the present application
  • FIG. 6 is a schematic diagram of a fund-based balance calculation device provided by an embodiment of the present application.
  • FIG. 7 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • the actual fund balance refers to the actual amount of funds in the case where the sub-account does not collect funds from the main account.
  • the book balance is the amount of funds shown on the sub-account.
  • the retained amount is the maximum book balance of the pre-scheduled sub-account between the primary account and the sub-account.
  • FIG. 1 is a flowchart showing an implementation process of a fund-based balance calculation method provided by an embodiment of the present application, which is described in detail as follows:
  • S101 Acquire an actual fund balance of the sub-account on the first date and main account information corresponding to the sub-account.
  • the actual fund balance of the sub-account on the first date may be calculated by the same method as the embodiment of the present application, or may be calculated by other methods. That is, the method of the embodiment of the present application is performed in the case where the actual fund balance of the first date is known.
  • the first date is corresponding to the second date, and the second date is later than the first date, that is, based on the actual fund balance of the known first date, the second date can be obtained by the method of the embodiment of the present application.
  • the actual fund balance For example, assuming that the first date is July 1, 2017 and the second date is July 2, 2017, the actual fund balance of the account is known to be July 1, 2017 by the method of the embodiment of the present application. Next, you can get the actual fund balance of this sub-account on July 2, 2017. If the first date is July 1, 2017 and the second date is July 10, 2017, then by the method of the embodiment of the present application, in the case of knowing the actual fund balance of the account on July 1, 2017, The actual fund balance of the sub-account on July 10, 2017 can be obtained. That is, the first date and the second date can be flexibly configured according to the needs of the application.
  • the primary account is a fund collection account of the sub-account
  • the primary account and the sub-account may be a one-to-one relationship, or may be a one-to-many relationship.
  • the account of the group company is the primary account
  • the account of each subsidiary company is the sub-account corresponding to the main account.
  • the master account information is used to uniquely identify the master account, for example, bank account information specific to the master account.
  • the information of the sub-account is used to uniquely identify the sub-account, for example, it may specifically be the bank account information of the sub-account.
  • the main account information is saved corresponding to the sub-account information.
  • the primary account information of the primary account corresponding to the sub-account can be obtained through the information of the sub-account.
  • S102 Acquire a pipeline type supported by the sub-account. If the pipeline type supported by the sub-account does not include the fund collection flow, send a flow query request to the primary account according to the primary account information, where the flow query request is used to request the primary account from the first account. Within the time range from the next day to the second date of a date, the transaction object is the first flow record of the sub-account.
  • the fund collection flow refers to the flow generated when the sub-account performs fund collection and transfer to the corresponding main account.
  • the sub-account does not save the flow, and its income and expenditure are in the main account flow.
  • the corresponding amount is dialed from the main account to the sub-account.
  • the sub-account receives the external payment, the corresponding payment will be received into the main account in real time or at regular intervals.
  • Different banks support different types of flow information. Some banks support fund collection types in sub-accounts, such as CITIC Bank, and some banks do not support fund collection types in sub-accounts, such as Industrial and Commercial Bank of China. When the sub-account supports funds to collect the flow type, the flow record of the fund collection is saved in the sub-account. When the sub-account does not support the fund-collecting flow type, the flow record of the fund collection is not saved in the sub-account.
  • the flow account inquiry request is sent to the main account corresponding to the main account information according to the main account information acquired in step S101.
  • the primary account can be queried from the last day to the second date of the first date, and the transaction object is the first flow record of the sub-account. For example, if the first date is July 9 and the second date is July 10, the flow query request is used to query the transaction flow between the primary account and the sub-account on the day of July 10.
  • the first flow record includes the flow of funds that the primary account transfers to the sub-account, and the flow of funds from the sub-account to the main account.
  • S103 If receiving the first flow record returned by the primary account, calculating, according to the first flow record, the amount of the sub-account to the primary account and the amount of the primary account to the sub-account.
  • the primary account if the primary account queries the first flow record, the primary account returns a response message to the flow query request, where the response message includes the first flow record that is queried.
  • the amount of the sub-account to the main account and the amount of the main account to the sub-account are calculated, and the collected amount is specifically the total amount received from the sub-account to the main account in the first flow record.
  • the issuance amount is specifically the total amount of the primary account transferred to the sub-account in the first flow record.
  • the waiting time for receiving the first running water record may be preset, and if the first running water record returned by the main account is received within a preset waiting time, calculating the sub-account to the primary account according to the first running water record The amount of the set and the amount of the main account issued to the sub-account. It should be noted that the preset waiting time can be set according to the needs of the actual application, and no limitation is imposed here.
  • S104 Calculate the actual fund balance of the sub-account on the second date according to the amount of the sub-account to the primary account, the amount of the main account to the sub-account, and the actual fund balance of the sub-account on the first date.
  • the actual fund balance of the sub-account on the second date is calculated according to the collected amount and the issued amount calculated in step S103 and the actual fund balance of the first date acquired in step S101.
  • the first date is July 9th
  • the second date is July 10th.
  • the transaction flow record between the main account and the sub-account on the day of July 10 is queried, and the calculation is July 10th.
  • the collection amount of this day is 300,000
  • the amount of payment is 200,000
  • the actual fund balance of the sub-account on July 9 is 500,000.
  • the amount of the sub-account to the main account is calculated by reading the bank flow between the sub-account and the main account.
  • the amount of the account issued to the sub-account, and then the actual fund balance of the sub-account is updated according to the collected amount and the amount of the issuance, so that the actual amount of the sub-account can be clearly reflected, which greatly facilitates the intuitive understanding of the actual revenue status of the subsidiary. And mastery.
  • FIG. 2 shows a specific implementation process of the S104 provided by the embodiment of the present application, which is described in detail as follows:
  • the actual fund balance of the first date is required before calculating the actual fund balance of the sub-account on the second date according to the collected amount, the payment amount, and the actual fund balance of the sub-account on the first date.
  • the legality is judged, and the actual fund balance calculated on the second date is valid only on the premise that the actual fund balance on the first date is legal.
  • the actual fund balance on the first date is empty, it is confirmed that the actual fund balance on the first date is illegal. At this time, the actual fund balance on the first date needs to be recalculated to obtain the actual funds of the sub-account on the first date. The legal value of the balance.
  • the actual fund balance of the first date needs to be calculated based on the transaction flow between the sub-account and the main account.
  • the initial maintenance date of the sub-account may be the account opening date of the sub-account, and obtain the transaction flow between the sub-account and the main account in the time range from the account opening date of the sub-account to the first date, and the method for obtaining the transaction flow may be adopted and step S102
  • the flow query request is sent to the primary account, and the primary account is requested to be from the account opening date of the sub-account to the time range of the first date
  • the transaction object is a flow record of the sub-account, and is calculated according to the queryed flow record.
  • the specific calculation process may be the same as the steps S103 to S104, that is, calculating the total amount of the sub-account to the main account and the total amount of the main account to the sub-account in the flow record, And based on the total amount of the collection, the total amount of the issuance, and the starting amount of the sub-account at the account opening date, the actual fund balance of the sub-account on the first date is calculated.
  • S1042 If the actual fund balance of the sub-account on the first date is not empty, calculate the sum of the collected amount and the actual fund balance of the first date, and then subtract the disbursed amount to obtain the actual fund balance of the sub-account on the second date.
  • the actual fund balance of the sub-account calculated according to step S1041 on the first date is not empty, that is, the actual fund balance of the first date is confirmed to be legal
  • the actual fund according to the first date is The balance, and the collected amount and the issued amount calculated in step S103, first calculate the sum of the collected amount and the actual fund balance of the first date, and then subtract the issued amount to obtain the actual fund balance of the second date.
  • the actual fund balance of the first date is first determined by judging the legality of the actual fund balance of the sub-account on the first date and the actual fund balance on the first date is illegal.
  • a recalculation is performed to obtain a legal first balance of the actual fund balance for recalculation to ensure the accuracy and validity of the calculated actual fund balance on the second date.
  • the balance calculation method is further include:
  • the preset time is a preset waiting time for receiving the first flow record, and after the flow query request is sent to the primary account through S102, if the primary account is not received within the preset waiting time, The response message of the pipeline query request continues to send the pipeline query request to the primary account every preset query time.
  • the preset query time and the preset waiting time may be the same or different, and no limitation is imposed here.
  • the query fails to be confirmed, the process ends, and the calculation is no longer continued.
  • the actual balance of the second date while outputting an error message prompting the user, for example, "The actual fund balance is abnormal, please check if the front-end machine is normal.”
  • the maximum number of queries can be set to 10 times, but it is not limited to this. It can be set according to the needs of the actual application, and is not limited here.
  • the balance calculation method also includes:
  • the transaction object is the second flow record of the main account in the time range from the day after the first date to the second date in the sub-account.
  • the flow type supported by the sub-account includes the fund collection flow, that is, the sub-account is reporting the funds to the main account or the main account is disbursing the funds to the sub-account, the corresponding flow record is saved in the sub-account.
  • the transaction object is the second flow record of the main account from the day after the first date to the second date.
  • step S107 Calculate the amount of the sub-account to the primary account and the amount of the primary account to the sub-account according to the second flow record.
  • the amount of the sub-account to the primary account and the primary account to the sub-account are calculated from the time range from the day after the first date to the second date. The amount of the payment.
  • the transaction flow of the sub-account is not required to be requested from the main account, and the collection amount and the payment amount can be obtained directly by querying the flow record of the sub-account. , thereby saving the query process, shortening the calculation time, and improving the calculation efficiency.
  • the balance calculation method further includes fund collection.
  • the book balance of the sub-account is obtained in a timed manner.
  • the timing mode can be a fixed time every day, for example, at 0 am, and the timing mode can also be at a fixed time interval, for example every 12 hours or every 24 hours.
  • the book balance of the sub-account is the total balance displayed on the current account of the sub-account, and the unit of the total balance is RMB. That is to say, if the sub-account's book contains multiple currency types, the exchange rate of the day is obtained, and the amount of the plurality of currency types is converted into the RMB amount according to the exchange rate of the day, and the accumulation is performed.
  • step S108 if the book balance of the sub-account obtained in step S108 is greater than the preset retention amount, the funds in the sub-account exceeding the retained amount are collected into the main account. If the book balance of the sub-account obtained in step S108 is less than or equal to the retained amount, no fund collection is performed.
  • the sub-account has a book balance of 800,000 RMB and the default retention amount is 500,000 RMB, you need to receive RMB 300,000 from the sub-account. If the sub-account has a book balance of RMB 300,000 and the default retention amount is RMB 500,000, no fund collection will be performed.
  • the retention amount of the sub-account can be set in advance, and different sub-accounts can set different retention amounts.
  • the value of the specific retention amount can be set according to the needs of the actual application. There is no restriction here.
  • the book balance of the sub-account is obtained, and the portion of the book balance exceeding the retained amount is collected into the main account, so that the main account can centrally and effectively manage the funds of the sub-account.
  • the corresponding embodiment of FIG. 5 is the execution basis of the embodiment of the present application, that is, in the case that the sub-account generates funds to the main account, it is more necessary to calculate the actual fund balance of the sub-account by the method of the embodiment of the present application, thereby being able to calculate Clearly reflect the actual amount of funds in the sub-account, which is convenient for intuitive understanding and mastery of the actual revenue status of the subsidiary.
  • FIG. 6 is a structural block diagram of the fund-based credit-based balance calculation device provided by the embodiment of the present application. For the convenience of description, only The relevant parts of the embodiments of the present application.
  • the balance calculation device includes:
  • the obtaining unit 61 is configured to obtain an actual fund balance of the sub-account on the first date and main account information corresponding to the sub-account;
  • the first query unit 62 is configured to obtain a pipeline type supported by the sub-account. If the pipeline type supported by the sub-account does not include the fund collection flow, the pipeline query request is sent to the primary account according to the primary account information, and the pipeline query request is used. In the time range from the last day to the second date of the first date, the transaction object is the first flow record of the sub-account;
  • the first calculating unit 63 is configured to: if receiving the first flow record returned by the primary account, calculate, according to the first flow record, the amount of the sub-account to the primary account and the amount of the primary account to the sub-account;
  • the second calculating unit 64 is configured to calculate an actual fund balance of the second date according to the collected amount, the issued amount, and the actual fund balance of the first date.
  • the second calculating unit 64 includes:
  • a balance calculation subunit configured to calculate a sum of the collected amount and the actual fund balance of the first date if the actual fund balance of the first date is not empty, and then subtract the issued amount to obtain the actual fund of the second date Balance.
  • the balance calculation device further includes:
  • the third calculating unit is configured to: if the first flow record returned by the primary account is not received within the preset time, send a flow query request to the primary account every preset waiting time until the number of times the flow query request is sent reaches the preset The maximum number of queries set, or until the first flow record returned by the primary account is received;
  • the error output unit is configured to confirm that the query fails and output an error prompt message if the number of times the flow query request is sent reaches the maximum number of queries.
  • the balance calculation device further includes:
  • a second query unit configured to: if the flow type supported by the sub-account includes the fund collection flow, obtain the time range from the day after the first date to the second date in the sub-account, and the transaction object is the main account Second flow record;
  • the fourth calculating unit is configured to calculate the collected amount and the issued amount according to the second flowing water record.
  • the balance calculation device further includes:
  • a third obtaining unit configured to obtain a book balance of the sub-account
  • the fund collection unit is configured to collect the funds in the sub-account that exceed the retained amount into the main account if the sub-account balance is greater than the preset retention amount.
  • FIG. 7 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • the terminal device 7 of this embodiment includes a processor 70 and a memory 71 in which computer readable instructions 72 executable on the processor 70 are stored, for example, based on funds. Balance calculation program.
  • the processor 70 executes the computer readable instructions 72, the steps in the embodiments of the various fund-based balance calculation methods described above are implemented, such as steps S101 to S104 shown in FIG.
  • the processor 70 when executing the computer readable instructions 72, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the units 61-64 shown in FIG.
  • the computer readable instructions 72 may be partitioned into one or more modules/units that are stored in the memory 71 and executed by the processor 70, To complete this application.
  • the one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function for describing the execution of the computer readable instructions 72 in the terminal device 7.
  • the terminal device 7 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server.
  • the terminal device may include, but is not limited to, the processor 70 and the memory 71. It will be understood by those skilled in the art that FIG. 7 is only an example of the terminal device 7, and does not constitute a limitation of the terminal device 7, and may include more or less components than those illustrated, or combine some components or different components.
  • the terminal device may further include an input/output device, a network access device, a bus, and the like.
  • the so-called processor 70 can be a central processing unit (Central Processing Unit, CPU), can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the memory 71 may be an internal storage unit of the terminal device 7, such as a hard disk or a memory of the terminal device 7.
  • the memory 71 may also be an external storage device of the terminal device 7, for example, a plug-in hard disk provided on the terminal device 7, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 71 may also include both an internal storage unit of the terminal device 7 and an external storage device.
  • the memory 71 is configured to store the computer readable instructions and other programs and data required by the terminal device.
  • the memory 71 can also be used to temporarily store data that has been output or is about to be output.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • the integrated unit if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium.
  • a computer readable storage medium A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present application.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

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Abstract

本方案提供了一种基于资金归集的余额计算方法、装置、终端设备及介质，适用于计算机技术领域，该方法包括：获取子账户在第一日期的实际资金余额和与子账户对应的主账户信息；获取子账户支持的流水类型，若子账户支持的流水类型不包含资金归集流水，则根据主账户信息向主账户发送流水查询请求；若接收到主账户返回的所述第一流水记录，则根据第一流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额；根据归集金额、发放金额和第一日期的实际资金余额，计算第二日期的实际资金余额。本方案能够清晰的体现子账户实际的资金数额，极大地方便了对子公司实际营收状况的直观了解和掌握。

Description

基于资金归集的余额计算方法、装置、终端设备及介质
本申请要求于2017年08月24日提交中国专利局、申请号为 201710736920.3 、发明名称为“一种基于资金归集的余额计算方法及计算设备”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请属于互联网技术领域，尤其涉及一种基于资金归集的余额计算方法、装置、终端设备及介质。
 背景技术
目前，包含多家子公司的大型集团，一般都有资金归集的需求，即将子公司账户中的资金定期归集到集团账户中，子账户中每天的留存资金为0或者为集团设置的其他数值，例如100万，这种资金归集方式可以实现对整个集团的资金进行有效管理。
但是，在进行账务核算时，归集到集团账户的资金仍需要核算到对应的子公司名下，例如，子公司账户的留存资金为100万，子公司账户连续10天每天向集团账户归集50万资金，那么在账务核算时子公司的实际资金至少有600万，但是子公司的账面上只能显示100万资金。因此，资金归集带来一个问题是，不能清晰的展示子公司当前的实际资金余额，导致集团无法直观清晰的掌握每个子公司当前的实际营收情况。
 技术问题
有鉴于此，本申请实施例提供了一种基于资金归集的余额计算方法、装置、终端设备及介质，以解决现有技术中资金归集导致无法清晰展示子公司的实际资金余额的问题。
 技术解决方案
本申请实施例的第一方面提供了一种基于资金归集的余额计算方法，包括：
获取子账户在第一日期的实际资金余额和与所述子账户对应的主账户信息；
获取所述子账户支持的流水类型，若所述流水类型不包含资金归集流水，则根据所述主账户信息向所述主账户发送流水查询请求，所述流水查询请求用于向所述主账户请求从所述第一日期的后一日至第二日期的时间范围内，交易对象为所述子账户的第一流水记录；
若接收到所述主账户返回的所述第一流水记录，则根据所述第一流水记录，计算所述子账户向所述主账户的归集金额和所述主账户向所述子账户的发放金额；
根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额。
本申请实施例的第二方面提供了一种基于资金归集的余额计算装置，该基于资金归集的余额计算装置包括用于执行上述第一方面所述的基于资金归集的余额计算方法的单元。
本申请实施例的第三方面提供了一种终端设备，包括存储器以及处理器，所述存储器中存储有可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如第一方面所述的基于资金归集的余额计算方法的步骤。
本申请实施例的第四方面提供了一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如第一方面所述的基于资金归集的余额计算方法的步骤。
 有益效果
本申请实施例中，对不支持资金归集流水类型的子账户，通过读取该子账户与主账户之间的银行流水的方式，计算子账户向主账户的归集金额和主账户向子账户的发放金额，进而根据归集金额、发放金额更新子账户的实际资金余额，从而能够清晰的体现子账户实际的资金数额，极大地方便了对子公司实际营收状况的直观了解和掌握。
 附图说明
图1是本申请实施例提供的基于资金归集的余额计算方法的实现流程图；
图2是本申请实施例提供的基于资金归集的余额计算方法S105的具体实现流程图；
图3是本申请实施例提供的基于资金归集的余额计算方法的实现流程图；
图4是本申请实施例提供的基于资金归集的余额计算方法的实现流程图；
图5是本申请实施例提供的基于资金归集的余额计算方法中资金归集的实现流程图；
图6是本申请实施例提供的基于资金归集的余额计算装置的示意图；
图7是本申请实施例提供的终端设备的示意图。
 本发明的实施方式
为了说明本申请所述的技术方案，下面将通过具体实施例进行说明。在对具体实施例进行说明之前，先对本申请实施例中使用到的不同类型余额的概念进行解释性说明如下：
实际资金余额是指子账户在不向主账户进行资金归集的情况下实际所有的资金数额。
账面余额是指在子账户账目上显示的资金数额。
留存金额是主账户和子账户之间预先预定的子账户的最大账面余额。
图1示出了本申请实施例提供的基于资金归集的余额计算方法的实现流程，详述如下：
S101：获取子账户在第一日期的实际资金余额和与该子账户对应的主账户信息。
在本申请实施例中，子账户在第一日期的实际资金余额可以采用与本申请实施例相同的方法计算得到，也可以通过其他方法计算得到。也就是说，本申请实施例的方法是在第一日期的实际资金余额已知的情况下进行的。
第一日期是与下文中的第二日期相对应，第二日期晚于第一日期，即在已知第一日期的实际资金余额的基础上，通过本申请实施例的方法可以得到第二日期的实际资金余额。例如，假设第一日期为2017年7月1日，第二日期为2017年7月2日，则通过本申请实施例的方法，在已知2017年7月1日子账户的实际资金余额的情况下，可以得到该子账户在2017年7月2日的实际资金余额。若第一日期为2017年7月1日，第二日期为2017年7月10日，则通过本申请实施例的方法，在已知2017年7月1日子账户的实际资金余额的情况下，可以得到该子账户在2017年7月10日的实际资金余额。即第一日期和第二日期可以根据应用的需要进行灵活配置。
在本申请实施例中，主账户为子账户的资金归集账户，主账户和子账户可以是一对一的关系，也可以是一对多的关系。例如，若集团公司包含多个子公司，则集团公司的账户为主账户，每个子公司的账户为主账户对应的子账户。
主账户信息用于唯一标识该主账户，例如其具体可以为主账户的银行账号信息。子账户的信息用于唯一标识该子账户，例如，其具体可以为子账户的银行账号信息。主账户信息与子账户的信息对应保存。通过子账户的信息可以获取到与该子账户对应的主账户的主账户信息。
S102：获取子账户支持的流水类型，若该子账户支持的流水类型不包含资金归集流水，则根据主账户信息向主账户发送流水查询请求，该流水查询请求用于向主账户请求从第一日期的后一日至第二日期的时间范围内，交易对象为子账户的第一流水记录。
在本申请实施例中，资金归集流水是指子账户向对应的主账户进行资金归集转账时产生的流水。通常，对不支持资金归集流水类型的子账户，在子账户中不保存流水，其收支都在主账户流水中，当子账户需要付款时，从主账户下拨相应的金额至子账户，当子账户收到外部款项时，实时或者定时将相应的款项上收至主账户。
不同银行支持不同的流水信息类型，有的银行在子账户中支持资金归集流水类型，例如中信银行，有的银行在子账户中不支持资金归集流水类型，例如中国工商银行。当子账户支持资金归集流水类型时，在子账户中会保存资金归集的流水记录，当子账户不支持资金归集流水类型时，在子账户中不保存资金汇集的流水记录。
若子账户支持的流水类型不包含资金归集流水，则根据步骤S101获取到的主账户信息，向该主账户信息对应的主账户发送流水查询请求。通过流水查询请求，可以向主账户查询从第一日期的后一日至第二日期的时间范围内，交易对象为子账户的第一流水记录。例如，第一日期为7月9日，第二日期为7月10日，则该流水查询请求用于查询7月10日这一天主账户与子账户之间的交易流水。
可以理解的是，第一流水记录包括主账户向子账户下拨的资金流水，以及从子账户上收至主账户的资金流水。
S103：若接收到主账户返回的第一流水记录，则根据该第一流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额。
在本申请实施例中，如果主账户查询到第一流水记录，则主账户返回对流水查询请求的响应报文，该响应报文中包含查询到的第一流水记录。
根据查询到的第一流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额，归集金额具体为第一流水记录中从子账户上收至主账户的总金额，发放金额具体为第一流水记录中主账户向子账户下拨的总金额。
进一步地，可以预先设置接收第一流水记录的等待时间，若在预设的等待时间内接收到主账户返回的第一流水记录，则根据该第一流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额。需要说明的是，预设的等待时间可以根据实际应用的需要进行设置，此处不做限制。
S104：根据子账户向主账户的归集金额、主账户向子账户的发放金额和子账户在第一日期的实际资金余额，计算子账户在第二日期的实际资金余额。
在本申请实施例中，根据步骤S103计算得到的归集金额和发放金额，以及步骤S101获取到的第一日期的实际资金余额，计算子账户在第二日期的实际资金余额。
例如，第一日期为7月9日，第二日期为7月10日，根据流水查询请求查询到7月10日这一天主账户与子账户之间的交易流水记录，计算得到7月10日这一天的归集金额为30万，发放金额为20万，子账户在7月9日的实际资金余额为50万，则该子账户在7月10日的实际资金余额为50+30-20=60万。
在图1对应的实施例中，对不支持资金归集流水类型的子账户，通过读取该子账户与主账户之间的银行流水的方式，计算子账户向主账户的归集金额和主账户向子账户的发放金额，进而根据归集金额、发放金额更新子账户的实际资金余额，从而能够清晰的体现子账户实际的资金数额，极大地方便了对子公司实际营收状况的直观了解和掌握。
接下来，在图1对应的实施例的基础之上，通过一个具体的实施例来对S104中所提及的子账户在第二日期的实际资金余额的具体计算方法进行详细说明。图2示出了本申请实施例提供的S104的具体实现流程，详述如下：
S1041：若子账户在第一日期的实际资金余额为空，则根据子账户在初始维护日期至第一日期的时间范围内与主账户之间的交易流水，重新计算子账户在第一日期的实际资金余额。
在本申请实施例中，在根据归集金额、发放金额以及子账户在第一日期的实际资金余额，计算子账户在第二日期的实际资金余额之前，需要先对第一日期的实际资金余额的合法性进行判断，只有在第一日期的实际资金余额合法的前提下计算得到的第二日期的实际资金余额才有效。
若第一日期的实际资金余额为空，则确认该第一日期的实际资金余额不合法，此时，需对第一日期的实际资金余额进行重新计算，得到子账户在第一日期的实际资金余额的合法值。
由于子账户支持的流水类型不包含资金归集流水，因此需要根据子账户和主账户之间的交易流水计算第一日期的实际资金余额。
子账户的初始维护日期可以是子账户的开户日期，获取从子账户的开户日期至第一日期的时间范围内子账户与主账户之间的交易流水，该交易流水的获取方法可以采用与步骤S102相同的方式，即向主账户发送流水查询请求，向主账户请求从子账户的开户日期至第一日期的时间范围内，交易对象为子账户的流水记录，并根据查询到的该流水记录计算第一日期的实际资金余额，具体计算过程可以采用与步骤S103至步骤S104相同的方式，即计算该流水记录中子账户向主账户的归集总金额和主账户向子账户的发放总金额，并根据该归集总金额、该发放总金额，以及子账户在开户日期的起始金额，计算子账户在第一日期的实际资金余额。
S1042：若子账户在第一日期的实际资金余额不为空，则计算归集金额与第一日期的实际资金余额之和，再减去发放金额，得到子账户在第二日期的实际资金余额。
在本申请实施例中，根据步骤S1041重新计算得到的子账户在第一日期的实际资金余额如果不为空，即确认该第一日期的实际资金余额合法，则根据该第一日期的实际资金余额，以及步骤S103计算得到的归集金额和发放金额，先计算归集金额与第一日期的实际资金余额之和，再减去发放金额，得到第二日期的实际资金余额。
在图2对应的实施例中，通过对子账户在第一日期的实际资金余额的合法性的判断，并在第一日期的实际资金余额不合法的情况下先对第一日期的实际资金余额进行重新计算，得到合法的第一日期的实际资金余额进行重新计算，从而确保计算出的第二日期的实际资金余额的准确性和有效性。
在图1对应的实施例的基础之上，在通过S102向主账户发送流水查询请求之后，若在预设时间内未接收到主账户的响应，则如图3所示，该余额计算方法还包括：
S1051：若在预设时间内未接收到主账户返回的第一流水记录，则每隔预设的查询时间向主账户发送流水查询请求，直到该流水查询请求的发送次数达到预设的最大查询次数，或者直到接收到主账户返回的第一流水记录。
在本申请实施例中，预设时间为预设的接收第一流水记录的等待时间，在通过S102向主账户发送流水查询请求之后，若在预设的等待时间内未接收到主账户对该流水查询请求的响应报文，则每隔预设的查询时间继续向主账户发送该流水查询请求。
需要说明的是，预设的查询时间和预设的等待时间可以相同，也可以不相同，此处不做限制。
S1052：若流水查询请求的发送次数达到预设的最大查询次数，则确认查询失败，输出错误提示信息。
在本申请实施例中，若向主账户发送的流水查询请求的发送次数达到最大查询次数，此时仍未收到主账户的响应报文，则确认查询失败，流程结束，不再继续计算第二日期的实际资金余额，同时输出错误信息提示用户，例如“实际资金余额异常，请检查前置机是否正常”。
若向主账户发送流水查询请求的次数未达到最大查询次数，并且接收到主账户返回的第一流水记录，则继续执行后续的步骤，完成对第二日期的实际资金余额的计算。
最大查询次数可以设置为10次，但并不限于此，其具体可以根据实际应用的需要进行设置，此处不做限制。
在图3对应的实施例中，通过每隔预设的等待时间向主账户发送流水查询请求的方式，避免了由于网络异常等偶尔出现的异常情况，导致没有接收到主账户返回的第一流水记录，进而无法计算实际资金余额的情况，从而提高对第二日期的实际资金余额计算的可靠性。
在图1对应的实施例的基础之上，除了通过步骤S102至步骤S103对不支持资金归集流水类型的子账户计算归集金额和发放金额，如图4所示，对于支持资金归集流水类型的子账户，该余额计算方法还包括：
S106：若子账户支持的流水类型包含资金归集流水，则在子账户中获取从第一日期的后一日至第二日期的时间范围内，交易对象为主账户的第二流水记录。
在本申请实施例中，如果子账户支持的流水类型包括资金归集流水，即子账户在向主账户上报资金或者主账户在向子账户下发资金时，子账户中将保存相应的流水记录。
通过查询子账户的流水记录，获取从第一日期的后一日至第二日期的时间范围内，交易对象为主账户的第二流水记录。
S107：根据第二流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额。在本申请实施例中，根据步骤S106获取的第二流水记录，计算从第一日期的后一日至第二日期的时间范围内，子账户向主账户的归集金额和主账户向子账户的发放金额。
在图4对应的实施例中，当子账户支持资金归集流水类型时，不需要向主账户请求与子账户的交易流水，直接通过查询子账户的流水记录即可得到归集金额和发放金额，从而节省了查询过程，缩短计算时间，提高计算效率。
在以上实施例的基础之上，在步骤S101获取子账户在第一日期的实际资金余额和与该子账户对应的主账户信息之前，如图5所示，该余额计算方法还包括资金归集的处理过程：
S108：获取子账户的账面余额。
在本申请实施例中，采用定时方式获取子账户的账面余额。定时方式可以是每天的固定时间，例如凌晨0点，定时方式还可以按照固定的时间间隔，例如每隔12小时或者每隔24小时。
子账户的账面余额是子账户当前账面上显示的总余额，该总余额的单位为人民币。也就是说，若子账户的账面包含多种货币类型，则获取当天的汇率，并按照当天的汇率将多种货币类型的金额转换为人民币金额，并进行累加汇总。
S109：若子账户的账面余额大于预设的留存金额，则将子账户中超过该留存金额的资金归集到主账户中。
在本申请实施例中，如果步骤S108获取到的子账户的账面余额大于预设的留存金额，则将子账户中超过该留存金额的资金归集到主账户中。如果步骤S108获取到的子账户的账面余额小于或者等于留存金额，则不进行资金归集。
例如，若子账户的账面余额为80万人民币，预设的留存金额为50万人民币，则需要将30万人民币从子账户上收到主账户。若子账户的账面余额为30万人民币，预设的留存金额为50万人民币，则不进行资金归集的操作。
需要说明的是，子账户的留存金额可以预先设置，不同子账户可以设置不同的留存金额。具体留存金额的值可以根据实际应用的需要进行设置，此处不做限制。
在图5对应的实施例中，通过获取子账户的账面余额，并将账面余额超出留存金额的部分归集到主账户中，以便主账户能够对子账户的资金进行集中有效的管理。同时，图5对应的实施例是本申请实施例的执行基础，即在子账户向主账户发生资金归集的情况下更需要通过本申请实施例的方法计算子账户的实际资金余额，从而能够清晰的体现子账户实际的资金数额，方便对子公司实际营收状况的直观了解和掌握。
应理解，上述实施例中各步骤的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请实施例的实施过程构成任何限定。
对应于上文实施例所述的基于资金归集的余额计算方法，图6示出了本申请实施例提供的基于资金归集的余额计算装置的结构框图，为了便于说明，仅示出了与本申请实施例相关的部分。
参照图6，该余额计算装置包括：
获取单元61，用于获取子账户在第一日期的实际资金余额和与该子账户对应的主账户信息；
第一查询单元62，用于获取子账户支持的流水类型，若该子账户支持的流水类型不包含资金归集流水，则根据主账户信息向该主账户发送流水查询请求，该流水查询请求用于向主账户请求从第一日期的后一日至第二日期的时间范围内，交易对象为子账户的第一流水记录；
第一计算单元63，用于若接收到主账户返回的第一流水记录，则根据该第一流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额；
第二计算单元64，用于根据归集金额、发放金额和第一日期的实际资金余额，计算第二日期的实际资金余额。
可选地，第二计算单元64包括：
重新计算子单元，用于若第一日期的实际资金余额为空，则根据子账户在初始维护日期至第一日期的时间范围内与主账户之间的交易流水，重新计算第一日期的实际资金余额；
余额计算子单元，用于若所述第一日期的实际资金余额不为空，则计算归集金额与第一日期的实际资金余额之和，再减去发放金额，得到第二日期的实际资金余额。
可选地，该余额计算装置还包括：
第三计算单元，用于若在预设时间内未接收到主账户返回的第一流水记录，则每隔预设的等待时间向主账户发送流水查询请求，直到流水查询请求的发送次数达到预设的最大查询次数，或者直到接收到主账户返回的第一流水记录；
错误输出单元，用于若流水查询请求的发送次数达到最大查询次数，则确认查询失败，输出错误提示信息。
可选地，该余额计算装置还包括：
第二查询单元，用于若子账户支持的流水类型包含资金归集流水，则在子账户中获取从第一日期的后一日至所述第二日期的时间范围内，交易对象为主账户的第二流水记录；
第四计算单元，用于根据第二流水记录，计算归集金额和发放金额。
可选地，该余额计算装置还包括：
第三获取单元，用于获取子账户的账面余额；
资金归集单元，用于若子账户的账面余额大于预设的留存金额，则将子账户中超过留存金额的资金归集到主账户中。
图7是本申请一实施例提供的终端设备的示意图。如图7所示，该实施例的终端设备7包括：处理器70以及存储器71，所述存储器71中存储有可在所述处理器70上运行的计算机可读指令72，例如基于资金归集的余额计算程序。所述处理器70执行所述计算机可读指令72时实现上述各个基于资金归集的余额计算方法实施例中的步骤，例如图1所示的步骤S101至S104。或者，所述处理器70执行所述计算机可读指令72时实现上述各装置实施例中各模块/单元的功能，例如图6所示单元61至64的功能。
示例性的，所述计算机可读指令72可以被分割成一个或多个模块/单元，所述一个或者多个模块/单元被存储在所述存储器71中，并由所述处理器70执行，以完成本申请。所述一个或多个模块/单元可以是能够完成特定功能的一系列计算机可读指令段，该指令段用于描述所述计算机可读指令72在所述终端设备7中的执行过程。
所述终端设备7可以是桌上型计算机、笔记本、掌上电脑及云端服务器等计算设备。所述终端设备可包括，但不仅限于处理器70和存储器71。本领域技术人员可以理解，图7仅仅是终端设备7的示例，并不构成对终端设备7的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如所述终端设备还可以包括输入输出设备、网络接入设备、总线等。
所称处理器70可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器 (Digital Signal Processor，DSP)、专用集成电路 (Application Specific Integrated Circuit，ASIC)、现成可编程门阵列 (Field-Programmable Gate Array，FPGA) 或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。
所述存储器71可以是所述终端设备7的内部存储单元，例如终端设备7的硬盘或内存。所述存储器71也可以是所述终端设备7的外部存储设备，例如所述终端设备7上配备的插接式硬盘，智能存储卡（Smart Media Card，SMC），安全数字（Secure Digital，SD）卡，闪存卡（Flash Card）等。进一步地，所述存储器71还可以既包括所述终端设备7的内部存储单元也包括外部存储设备。所述存储器71用于存储所述计算机可读指令以及所述终端设备所需的其他程序和数据。所述存储器71还可以用于暂时地存储已经输出或者将要输出的数据。
另外，在本申请各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
所述集成的单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备（可以是个人计算机，服务器，或者网络设备等）执行本申请各个实施例所述方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器（Read-Only Memory，ROM）、随机存取存储器（Random Access Memory，RAM）、磁碟或者光盘等各种可以存储程序代码的介质。
以上所述，以上实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围。

Claims (20)

  1. 一种基于资金归集的余额计算方法，其特征在于，包括：
    获取子账户在第一日期的实际资金余额和与所述子账户对应的主账户信息；
    获取所述子账户支持的流水类型，若所述流水类型不包含资金归集流水，则根据所述主账户信息向所述主账户发送流水查询请求，所述流水查询请求用于向所述主账户请求从所述第一日期的后一日至第二日期的时间范围内，交易对象为所述子账户的第一流水记录；
    若接收到所述主账户返回的所述第一流水记录，则根据所述第一流水记录，计算所述子账户向所述主账户的归集金额和所述主账户向所述子账户的发放金额；
    根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额。
  2. 如权利要求1所述的基于资金归集的余额计算方法，其特征在于，所述根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额包括：
    若所述第一日期的实际资金余额为空，则根据所述子账户在初始维护日期至所述第一日期的时间范围内与所述主账户之间的交易流水，重新计算所述第一日期的实际资金余额；
    若所述第一日期的实际资金余额不为空，则计算所述归集金额与所述第一日期的实际资金余额之和，再减去所述发放金额，得到所述第二日期的实际资金余额。
  3. 如权利要求1所述的基于资金归集的余额计算方法，其特征在于，所述获取所述子账户支持的流水类型，若所述流水类型不包含资金归集流水，则根据所述主账户信息向所述主账户发送流水查询请求之后，所述余额计算方法还包括：
    若在预设时间内未接收到所述主账户返回的所述第一流水记录，则每隔预设的查询时间向所述主账户发送所述流水查询请求，直到所述流水查询请求的发送次数达到预设的最大查询次数，或者直到接收到所述主账户返回的所述第一流水记录；
    若所述流水查询请求的发送次数达到所述最大查询次数，则确认查询失败，输出错误提示信息。
  4. 如权利要求1所述的基于资金归集的余额计算方法，其特征在于，所述获取子账户在第一日期的实际资金余额和与所述子账户对应的主账户信息之后，以及所述根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额之前，所述余额计算方法还包括：
    若所述子账户支持的流水类型包含资金归集流水，则在所述子账户中获取从所述第一日期的后一日至所述第二日期的时间范围内，交易对象为所述主账户的第二流水记录；
    根据所述第二流水记录，计算所述归集金额和所述发放金额。
  5. 如权利要求1至4任一项所述的基于资金归集的余额计算方法，其特征在于，所述获取子账户在第一日期的实际资金余额和与所述子账户对应的主账户信息之前，所述余额计算方法还包括：
    获取所述子账户的账面余额；
    若所述子账户的账面余额大于预设的留存金额，则将所述子账户中超过所述留存金额的资金归集到所述主账户中。
  6. 一种基于资金归集的余额计算装置，其特征在于，包括：
    获取单元，用于获取子账户在第一日期的实际资金余额和与该子账户对应的主账户信息；
    第一查询单元，用于获取子账户支持的流水类型，若该子账户支持的流水类型不包含资金归集流水，则根据主账户信息向该主账户发送流水查询请求，该流水查询请求用于向主账户请求从第一日期的后一日至第二日期的时间范围内，交易对象为子账户的第一流水记录；
    第一计算单元，用于若接收到主账户返回的第一流水记录，则根据该第一流水记录，计算子账户向主账户的归集金额和主账户向子账户的发放金额；
    第二计算单元，用于根据归集金额、发放金额和第一日期的实际资金余额，计算第二日期的实际资金余额。
  7. 根据权利要求6所述的基于资金归集的余额计算装置，其特征在于，所述第二计算单元包括：
    重新计算子单元，用于若第一日期的实际资金余额为空，则根据子账户在初始维护日期至第一日期的时间范围内与主账户之间的交易流水，重新计算第一日期的实际资金余额；
    余额计算子单元，用于若所述第一日期的实际资金余额不为空，则计算归集金额与第一日期的实际资金余额之和，再减去发放金额，得到第二日期的实际资金余额。
  8. 根据权利要求6所述的基于资金归集的余额计算装置，其特征在于，还包括：
    第三计算单元，用于若在预设时间内未接收到主账户返回的第一流水记录，则每隔预设的等待时间向主账户发送流水查询请求，直到流水查询请求的发送次数达到预设的最大查询次数，或者直到接收到主账户返回的第一流水记录；
    错误输出单元，用于若流水查询请求的发送次数达到最大查询次数，则确认查询失败，输出错误提示信息。
  9. 根据权利要求6所述的基于资金归集的余额计算装置，其特征在于，还包括：
    第二查询单元，用于若子账户支持的流水类型包含资金归集流水，则在子账户中获取从第一日期的后一日至所述第二日期的时间范围内，交易对象为主账户的第二流水记录；
    第四计算单元，用于根据第二流水记录，计算归集金额和发放金额。
  10. 根据权利要求6至9任一项所述的基于资金归集的余额计算装置，其特征在于，还包括：
    第三获取单元，用于获取子账户的账面余额；
    资金归集单元，用于若子账户的账面余额大于预设的留存金额，则将子账户中超过留存金额的资金归集到主账户中。
  11. 一种终端设备，其特征在于，包括存储器以及处理器，所述存储器中存储有可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
    获取子账户在第一日期的实际资金余额和与所述子账户对应的主账户信息；
    获取所述子账户支持的流水类型，若所述流水类型不包含资金归集流水，则根据所述主账户信息向所述主账户发送流水查询请求，所述流水查询请求用于向所述主账户请求从所述第一日期的后一日至第二日期的时间范围内，交易对象为所述子账户的第一流水记录；
    若接收到所述主账户返回的所述第一流水记录，则根据所述第一流水记录，计算所述子账户向所述主账户的归集金额和所述主账户向所述子账户的发放金额；
    根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额。
  12. 根据权利要求11所述的终端设备，其特征在于，所述根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额包括：
    若所述第一日期的实际资金余额为空，则根据所述子账户在初始维护日期至所述第一日期的时间范围内与所述主账户之间的交易流水，重新计算所述第一日期的实际资金余额；
    若所述第一日期的实际资金余额不为空，则计算所述归集金额与所述第一日期的实际资金余额之和，再减去所述发放金额，得到所述第二日期的实际资金余额。
  13. 根据权利要求11所述的终端设备，其特征在于，所述获取所述子账户支持的流水类型，若所述流水类型不包含资金归集流水，则所述处理器执行所述计算机可读指令时，还实现如下步骤：
    若在预设时间内未接收到所述主账户返回的所述第一流水记录，则每隔预设的查询时间向所述主账户发送所述流水查询请求，直到所述流水查询请求的发送次数达到预设的最大查询次数，或者直到接收到所述主账户返回的所述第一流水记录；
    若所述流水查询请求的发送次数达到所述最大查询次数，则确认查询失败，输出错误提示信息。
  14. 根据权利要求11所述的终端设备，其特征在于，所述处理器执行所述计算机可读指令时，还实现如下步骤：
    若所述子账户支持的流水类型包含资金归集流水，则在所述子账户中获取从所述第一日期的后一日至所述第二日期的时间范围内，交易对象为所述主账户的第二流水记录；
    根据所述第二流水记录，计算所述归集金额和所述发放金额。
  15. 根据权利要求11至14任一项所述的终端设备，其特征在于，所述处理器执行所述计算机可读指令时，还实现如下步骤：
    获取所述子账户的账面余额；
    若所述子账户的账面余额大于预设的留存金额，则将所述子账户中超过所述留存金额的资金归集到所述主账户中。
  16. 一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其特征在于，所述计算机可读指令被至少一个处理器执行时实现如下步骤：
    获取子账户在第一日期的实际资金余额和与所述子账户对应的主账户信息；
    获取所述子账户支持的流水类型，若所述流水类型不包含资金归集流水，则根据所述主账户信息向所述主账户发送流水查询请求，所述流水查询请求用于向所述主账户请求从所述第一日期的后一日至第二日期的时间范围内，交易对象为所述子账户的第一流水记录；
    若接收到所述主账户返回的所述第一流水记录，则根据所述第一流水记录，计算所述子账户向所述主账户的归集金额和所述主账户向所述子账户的发放金额；
    根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额。
  17. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述根据所述归集金额、所述发放金额和所述第一日期的实际资金余额，计算所述第二日期的实际资金余额包括：
    若所述第一日期的实际资金余额为空，则根据所述子账户在初始维护日期至所述第一日期的时间范围内与所述主账户之间的交易流水，重新计算所述第一日期的实际资金余额；
    若所述第一日期的实际资金余额不为空，则计算所述归集金额与所述第一日期的实际资金余额之和，再减去所述发放金额，得到所述第二日期的实际资金余额。
  18. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述计算机可读指令被至少一个处理器执行时，还实现如下步骤：
    若在预设时间内未接收到所述主账户返回的所述第一流水记录，则每隔预设的查询时间向所述主账户发送所述流水查询请求，直到所述流水查询请求的发送次数达到预设的最大查询次数，或者直到接收到所述主账户返回的所述第一流水记录；
    若所述流水查询请求的发送次数达到所述最大查询次数，则确认查询失败，输出错误提示信息。
  19. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述计算机可读指令被至少一个处理器执行时，还实现如下步骤：
    若所述子账户支持的流水类型包含资金归集流水，则在所述子账户中获取从所述第一日期的后一日至所述第二日期的时间范围内，交易对象为所述主账户的第二流水记录；
    根据所述第二流水记录，计算所述归集金额和所述发放金额。
  20. 根据权利要求16至19任一项所述的计算机可读存储介质，其特征在于，所述计算机可读指令被至少一个处理器执行时，还实现如下步骤：
    获取所述子账户的账面余额；
    若所述子账户的账面余额大于预设的留存金额，则将所述子账户中超过所述留存金额的资金归集到所述主账户中。
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