WO2019218545A1 - 资金资源处理方法、系统、计算机设备和存储介质 - Google Patents

资金资源处理方法、系统、计算机设备和存储介质 Download PDF

Info

Publication number
WO2019218545A1
WO2019218545A1 PCT/CN2018/104717 CN2018104717W WO2019218545A1 WO 2019218545 A1 WO2019218545 A1 WO 2019218545A1 CN 2018104717 W CN2018104717 W CN 2018104717W WO 2019218545 A1 WO2019218545 A1 WO 2019218545A1
Authority
WO
WIPO (PCT)
Prior art keywords
fund
funds
pool
retained
redemption
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/104717
Other languages
English (en)
French (fr)
Inventor
陈培镇
黄鸿顺
陈泽晖
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
Original Assignee
Ping An Technology Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2019218545A1 publication Critical patent/WO2019218545A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Images

Classifications

    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present application relates to the field of financial technology, in particular, a method, system, computer device and storage medium for processing a financial resource.
  • the fund transaction is a circulation transfer activity in which the fund is the object of purchase and sale and bears the risk and benefits.
  • Fund purchase refers to an investment and financial management method that can be used by people who have idle funds. They use their temporarily unused funds to purchase funds to invest in order to obtain value and earn income. Fund purchases include subscription, redemption, Fixed investment and other processes.
  • Fund redemption also known as fund buyback, refers to an open-end fund in which an investor, in his own name, requests the fund management company to withdraw part or all of the fund’s investment directly or through an agency, and remits the purchase money to the investment. In the account of the person; the redemption of the fund includes redemption, liquidation and other processes.
  • Fund trading has become a popular investment and financial management method for the public, and its operation is simple and the return on income is high. After the user obtains the income through the fund, he usually chooses the fund redemption and remits the purchase funds to his account. In the process of investors requesting withdrawal from the fund management company in their own name or indirectly through the agency, the user funds can safely return money to the user account.
  • the process of redeeming the funds to the account is complicated, and due to the inconsistency between the fund trading cycle and the fund settlement cycle, the fund redemption transaction has a long period of funds, and it is still on weekends or holidays. Will extend the user's funds to the account time.
  • a method of processing capital resources including:
  • the retention fund pool is used to store the subscription fund resources of the fund purchase transaction, and the retention fund register is used to maintain the retained funds pool, and at the same time, in the fund
  • a padding fund pool and a padding fund register are created in the transaction system, and the padding fund pool is used for storing the redemption fund resource of the fund redemption transaction, and the padding fund register is used to maintain the funded fund pool.
  • the present application also provides a capital resource processing system, including:
  • Creating a fund pool unit configured to create a retention fund pool and a retention fund register in the fund transaction system, wherein the retention fund pool is used to store the subscription fund resource of the fund purchase transaction, and the retention fund register is used to maintain the retention a pool of funds, at the same time, a fund pool and a funded capital register are created in the fund trading system, and the fund pool is used to store the redemption fund resource of the fund redemption transaction, and the fund capital register is used for Maintaining the pool of funds;
  • a fund entry unit configured to put the subscription fund resource for the fund purchase transaction into the retained fund pool, and call the record function record of the retained fund register to store the subscription fund resource in the retained fund pool.
  • Information at the same time, putting redemption funds resources for the fund redemption transaction into the pool of funds, and calling the record function record of the funded funds register to store the redemption in the pool of funds Information on financial resources;
  • the padding unit is configured to count the amount of the funds in the pool of retained funds and the pool of funds in the fund, and the funds are collected from the pool of retained funds and placed in the pool of funds to cover the pool of funds.
  • the present application also provides a computer device including a memory and a processor, wherein the memory stores computer readable instructions, when the computer readable instructions are executed by the processor, causing the processing Perform the following steps:
  • the retention fund pool is used to store the subscription fund resources of the fund purchase transaction, and the retention fund register is used to maintain the retained funds pool, and at the same time, in the fund
  • a padding fund pool and a padding fund register are created in the transaction system, and the padding fund pool is used for storing the redemption fund resource of the fund redemption transaction, and the padding fund register is used to maintain the funded fund pool.
  • the present application also provides a storage medium storing computer readable instructions that, when executed by one or more processors, cause one or more processors to perform the following steps:
  • the retention fund pool is used to store the subscription fund resources of the fund purchase transaction, and the retention fund register is used to maintain the retained funds pool, and at the same time, in the fund
  • a padding fund pool and a padding fund register are created in the transaction system, and the padding fund pool is used for storing the redemption fund resource of the fund redemption transaction, and the padding fund register is used to maintain the funded fund pool.
  • the above-mentioned capital resource processing method, system, computer equipment and storage medium by creating a retention fund pool and a retention fund register in the fund transaction system, the retained funds pool is used for storing the subscription fund resources of the fund purchase transaction, and the retained funds
  • the register is used to maintain the pool of retained funds, and at the same time, a fund pool and a funded fund register are created in the fund trading system, and the fund pool is used to store the redemption fund resources of the fund redemption transaction.
  • the padding fund register is used for maintaining the fund pool; the subscription fund resource for the fund purchase transaction is put into the retained fund pool, and the record function record storage hall of the retained fund register is called.
  • the pool in order to meet the user's fund demand for fund redemption transactions, the method of processing capital resources, shortening the period of redemption of funds to the account when the user redeems the fund, improves the redemption efficiency of funds, and improves the user experience. .
  • FIG. 1 is a flowchart of a method for processing a capital resource according to an embodiment of the present application
  • FIG. 2 is a schematic diagram of a capital resource processing system according to an embodiment of the present application.
  • FIG. 1 is a flowchart of a method for processing a fund resource according to an embodiment of the present application. As shown in FIG. 1 , the method for processing a fund resource may include the following steps:
  • Step S1 creating a retention fund pool and a retention fund register in the fund transaction system, wherein the retention fund pool is used to store the subscription fund resource of the fund purchase transaction, and the retention fund register is used to maintain the retained fund pool.
  • a fund pool and a padding fund register are created in the fund transaction system, and the fund pool is used to store the redemption fund resource of the fund redemption transaction, and the funded fund register is used to maintain the Pool of funds;
  • the process of creating a retention fund pool includes:
  • the deposit fund pool and the retained fund register are created in the fund transaction system in the name of the user, and the retained fund pool is used to store the subscription fund resource of the fund purchase transaction, and the deposit reserve register is invoked through a preset Maintaining the retained funds pool by the maintenance mode, the preset maintenance mode includes placing the retained funds pool, and calling the record function of the retention register to record the subscription funds placed in the retained funds pool. Source of retained funds, retention amount, retention start time, and retention deadline.
  • the fund purchase refers to an act of an investor going to a fund management company or a selected fund sales agency to open a fund account and applying for a fund share according to a fixed procedure.
  • the amount of the subscription fund share is calculated on the basis of the net asset value of the fund share on the purchase date.
  • the specific calculation method must meet the requirements of the relevant regulations of the fund supervision department and be stated in the fund sales documents.
  • the fund sales agency will create a fund account for the fund purchase transaction in the fund trading system on behalf of the user who wants to conduct the fund purchase transaction, and at the same time create a pool of retained funds in the fund transaction system, and the user uses the The fund account of the fund purchase transaction applies for the fund purchase transaction, wherein the subscription fund will be transferred to the retained fund pool through the fund transaction system.
  • a retention fund register is created in the pool of retained funds, and the retained funds register can maintain the pool of retained funds through a preset maintenance manner, and the preset maintenance manner includes: setting subscription funds into the pool of retained funds
  • the channel realizes the security of the purchase funds and safely enters the pool of retained funds, records the source of retained funds resources, the retained amount, and the retained funds of the subscription fund resources entering the retained funds pool through the record function of the retained funds register.
  • Start time and retention deadline is the source of the retained funds refers to the order number of the fund purchase transaction, and the retained amount is the purchase amount of the subscription fund transaction;
  • the retention start time is the completion time of the subscription fund transaction;
  • the retention deadline is the time submitted to the fund company after the completion of the fund purchase transaction.
  • the process of creating a pool of funds includes:
  • the padding fund pool and the padding fund register are created in the fund trading system, and the padding fund pool is used for storing the redemption fund resource of the fund redemption transaction, and the padding fund register is invoked through a preset Maintaining the pool of funds, the preset maintenance method includes safely placing the redemption funds into the pool of funds, and calling the record function record of the funded funds register to be placed into The amount of funds for the redemption of funds in the pool of funds, the amount of funds, the start time of the funds, and the deadline for the advancement of funds.
  • the redemption of the fund means that the investor, in his own name, directly or indirectly through the fund purchasing institution, returns to the fund company to withdraw part or all of the fund investment, and remits the remittance to the investor's account.
  • the fund agency will create a fund account for the fund redemption transaction in the fund trading system, and at the same time create a pool of funds in the fund trading system, and the user applies for the fund redemption through the fund account of the user fund redemption transaction.
  • the transaction is reversed, and the redemption funds will be transferred to the pool of funds through the fund trading system.
  • a padding fund register is created in the pool of funds, and the padding fund register can maintain the fund pool by a preset maintenance mode, and the preset maintenance manner includes: setting redemption funds to enter The channel of the funds pool is used to securely redeem the funds and resources into the pool of funds; and the redemption funds entering the fund pool are recorded through the record function of the funded capital register.
  • the capital of the funds, the amount of funds, the starting time of the funds and the deadline for the funding are the order number of the redemption fund transaction
  • the amount of the padding is the redemption amount of the redemption fund transaction
  • the initial time of the padding is the redemption fund transaction.
  • the creation time of the fund is the expected completion time of the fund order.
  • Step S2 Putting the subscription fund resource for the fund purchase transaction into the retained fund pool, and calling the record function of the retained fund register to record the information of the subscription fund resource in the retained fund pool, and Putting redemption funds for the fund redemption transaction into the pool of funds, and calling the record function record of the funded account to record the information of the redemption fund in the pool of funds ;
  • the process of placing the subscription funds into the pool of retained funds includes:
  • the fund trading day refers to the period of time when the open-end fund accepts purchase, conversion, redemption or other transactions, generally refers to the morning time of each working day from 9:30 to 15:00, of which 11:30 to 13 noon. :00 is the rest time.
  • the fund trading day in this embodiment is selected as the day of April 21, 2018, on which the user conducts fund purchase transactions and fund redemption transactions.
  • the user When the user conducts a fund purchase transaction on April 21, 2018, the user applies for a fund purchase transaction through a fund account for conducting a fund purchase transaction, and the deposit fund register transmits the subscription fund through a set channel.
  • the purchase fund resources are safely placed in the retained funds pool, and the record function of the retained funds register is recorded to record the source of the retained funds resources, the retained amount, the retention start time and the retention deadline of the subscription fund transaction.
  • the source of the retained funds refers to the order number of the fund purchase transaction, and the retained amount is the purchase amount of the subscription fund transaction;
  • the retention start time is the completion time of the subscription fund transaction;
  • the retention deadline is the time submitted to the fund company after the completion of the fund purchase transaction.
  • the order number is JIJINSHENGOU92150015.
  • the time for submitting the purchase transaction to the fund company is April 22, 2018. .
  • the source of the retained funds is JIJINSHENGOU92150015, the retention amount is 100,000, the retention start time is April 21, 2018, and the retention deadline is April 22, 2018.
  • the process of putting the redemption funds into the pool of funds includes:
  • the fund redemption transaction is carried out, and the redemption fund resource of the fund redemption transaction is put into the funded funds pool, and the record function record of the funded capital register is called to be placed in the fund
  • the source of the redemption fund for the redemption of funds in the pool of funds the whereabouts of the funds, the amount of funds, the start time of the advancement and the deadline for the advancement of funds.
  • the fund trading day refers to the period of time when the open-end fund accepts purchase, conversion, redemption or other transactions, generally refers to the morning time of each working day from 9:30 to 15:00, of which 11:30 to 13 noon. :00 is the rest time.
  • the fund trading day in this embodiment is selected as the day of April 21, 2018, on which the user conducts fund purchase transactions and fund redemption transactions.
  • the user applies for a redemption fund transaction through the fund account for the fund redemption transaction, and the fund pool pools the redemption through the set channel.
  • the redemption funds of the return fund transaction are safely placed in the pool of funds, and the record function of the funded capital register is recorded to record the whereabouts of the funds of the redemption fund transaction, the amount of funds, The starting time and the maturity deadline.
  • the funds are transferred to the order number of the redemption fund transaction, the amount of the padding is the redemption amount of the redemption fund transaction, and the initial time of the padding is the creation of the redemption fund transaction. Time, the maturity deadline is the expected completion time of the fund order.
  • the user applied for a fund redemption transaction on April 21, 2018, applying for redemption of 180,000 funds the order number is JIJINSHUHUI922104404, the application redemption time is April 21, 2018, and the redemption transaction deadline is 2018.
  • the funds are going to be JIJINSHUHUI922104404, the amount of the pad is 180,000, and the starting time of the padding is April 21, 2018, and the maturity deadline is April 22, 2018.
  • the fund trading day in which the fund purchase transaction is performed and the fund trading date in which the fund redemption transaction is conducted are not limited to the same fund trading day.
  • Step S3 counting the amount of the funds in the pool of retained funds and the pool of funds, and collecting funds from the pool of retained funds to be placed in the pool of funds, and subsidizing the pool of funds to meet the needs of users. Funds for fund redemption transactions, methods for processing capital resources.
  • the process of padding the funds pool includes:
  • the amount of funds and resources in the funded pool can meet the amount of redemption funds of the user's fund redemption transaction, and the amount of funds in the fund pool can meet the current amount. If the amount of funds for redemption is required, the amount of the redemption funds shall be deducted from the pool of funds to complete the redemption of funds. If the amount of funds in the fund pool cannot meet the amount of funds for redemption Requiring, the funds are transferred from the pool of retained funds to be placed in the pool of funds to complete the redemption of funds, and if funds are transferred from the pool of retained funds, the funds are placed in the pool of funds. If the funds still cannot meet the requirements for the amount of redemption funds, it means that the user needs to go through other procedures to complete the redemption of funds, and the user is reminded of the inability to redeem the funds.
  • the fund trading system will be counted from April 21, 2018 to 2018.
  • the amount of the subscription fund resources stored in the pool of retained funds and the amount of redemption funds stored in the pool of funds are calculated, and the amount of funds in the pool of retained funds is 250,000, the amount in the pool of funds is 300,000.
  • the amount of funds in the fund pool is 300,000, which can meet the needs of the user.
  • the fund pool will transfer the 280,000 redemption funds required by the user and return it to the user's fund account.
  • the funds in the fund pool will be The amount of funds of 300,000 yuan cannot meet the needs of the user.
  • the fund pool will send a request to the reserved fund pool to request the transfer of 50,000 funds. After receiving the request, the pool of funds will be transferred. Take the required 50,000 funds to the pool of funds, thereby satisfying the user's need to apply for redemption of 350,000 redemption funds, and returning them to the user's fund account; when the user applies for a redemption amount of 600,000, After the request for the transfer of 300,000 funds to the retained funds pool, the amount of funds in the retained funds pool is 250,000, which cannot meet the demand for funds. The user will be informed that if the user cannot redeem the amount of funds for redemption, the user will be prompted to redeem the funds.
  • the reserve fund pool is used to store the subscription fund resource of the fund purchase transaction by creating the retained fund pool and the retained fund register, and the retained fund register is used to maintain the retained fund pool.
  • a fund pool and a padding fund register are created in the fund transaction system, and the fund pool is used to store the redemption fund resource of the fund redemption transaction, and the funded fund register is used to maintain the Putting funds into the pool of funds; placing the purchase funds into the pool of retained funds, and calling the record of the retained funds to record information on the resources of the subscription, and at the same time, placing the funds for redemption into the pool of funds.
  • the processing method shortens the period in which the user redeems the funds to the account when performing the fund redemption transaction, improves the redemption efficiency of the funds, and improves the user experience.
  • the present application further provides a capital resource processing system.
  • the system includes a fund pool unit, a fund pooling unit, and a padding unit.
  • Creating a fund pool unit configured to create a retention fund pool and a retention fund register in the fund transaction system, wherein the retention fund pool is used to store the subscription fund resource of the fund purchase transaction, and the retention fund register is used to maintain the retention a pool of funds, at the same time, a fund pool and a funded capital register are created in the fund trading system, and the fund pool is used to store the redemption fund resource of the fund redemption transaction, and the fund capital register is used for Maintaining the pool of funds;
  • a fund entry unit configured to put the subscription fund resource for the fund purchase transaction into the retained fund pool, and call the record function record of the retained fund register to store the subscription fund resource in the retained fund pool.
  • Information at the same time, putting redemption funds resources for the fund redemption transaction into the pool of funds, and calling the record function record of the funded funds register to store the redemption in the pool of funds Information on financial resources;
  • the padding unit is configured to count the amount of the funds in the pool of retained funds and the pool of funds in the fund, and the funds are collected from the pool of retained funds and placed in the pool of funds to cover the pool of funds.
  • the creating a fund pool unit creates the reserved fund pool and the retained fund register, and the retained fund pool is used to store the subscription fund resource of the fund purchase transaction, and the retained fund register is used for maintenance.
  • the pool of retained funds at the same time, a fund pool and a funded capital register are created in the fund trading system, and the fund pool is used to store the redemption fund resource of the fund redemption transaction, and the fund capital registration
  • the book is used to maintain the pool of funds for deposit;
  • the fund pooling unit inputs the subscription funds into the pool of retained funds, and calls the record of the retained funds to record the information of the funds for the subscription, and at the same time, Redempting funds into the pool of funds, and calling the funded funds register to record information of the redemption funds;
  • the padding unit pads the pad by calling the funds in the retained funds pool Capital pool to meet the capital needs of users for fund redemption transactions, and the method of processing capital resources, shortening the user’s redemption of funds when making fund redemption transactions Cycle, improve capital redemption efficiency and improve the user experience.
  • the creating a fund pool unit includes: creating a retention fund pool module, configured to create a pool of retained funds in the fund transaction system, wherein the pool of retained funds is used to store the subscription fund resources of the fund subscription transaction, Creating a retention fund register in the retained funds pool, calling the retained capital register, and maintaining the retained funds pool through a preset maintenance manner, the preset maintenance method including safely placing the purchased funds resources to the retained funds
  • the fund pool calls the record function of the retention register to record the source of retained funds resources, the retained amount, the retention start time, and the retention deadline for the subscription funds placed in the retained funds pool.
  • the creating a fund pool unit includes: creating a fund pool module, configured to create a pool of funds within the fund transaction system, the pool of funds used to store redemption of fund redemption transactions Providing a funded resource register in the funded funds pool, calling the funded fund register, and maintaining the funded funds pool by a preset maintenance mode, wherein the preset maintenance mode includes The redemption funds are safely placed in the pool of funds, and the record function of the funded capital register is used to record the amount of funds to be withdrawn and the amount of funds to be redeemed into the pool of funds. , the starting time of the fund and the deadline for the funding.
  • the fund pooling unit includes: a subscription fund pooling module, configured to perform a fund purchase transaction within a fund trading day, and put the subscription fund resource into the retained fund pool, and invoke the retained fund registration.
  • the record function of the book records the source of retained funds resources, the retained amount, the retention start time, and the retention deadline for the subscription fund resources placed in the retained funds pool.
  • the fund pooling unit includes: a redemption fund pooling module, configured to perform a fund redemption transaction within a fund trading day, and put the redemption fund resource into the pooled funds pool, Calling the record function record of the padding fund register to record the amount of the funded funds, the amount of padding, the starting time of the padding, and the deadline for the padding to be placed in the funded funds pool.
  • a redemption fund pooling module configured to perform a fund redemption transaction within a fund trading day, and put the redemption fund resource into the pooled funds pool
  • Calling the record function record of the padding fund register to record the amount of the funded funds, the amount of padding, the starting time of the padding, and the deadline for the padding to be placed in the funded funds pool.
  • the fund trading day in which the fund subscription transaction is conducted and the fund trading date in which the fund redemption transaction is conducted are not limited to the same fund trading day.
  • the padding unit includes: a statistic module, configured to call the statistical grouping method to calculate the starting time of the padding and the deadline for the padding, and whether the amount of the fund resource in the fund pool can satisfy the user for the fund redemption.
  • the amount of redemption funds back to the transaction; the funding module is set to deduct the redemption from the pool of funds if the amount of funds in the pool of funds is sufficient to meet the amount of funds required for the redemption
  • the amount of funds and resources is used to complete the redemption of funds. If the amount of funds in the funded pool cannot meet the requirements of the amount of redemption funds, the funds are transferred from the pool of retained funds to the mat. In the fund pool, to complete the redemption of funds to the account, if the funds are transferred from the pool of retained funds to the pool of funds, and the funds are still unable to meet the requirements of the amount of redemption funds, the feedback cannot be redeemed. Tips for funding.
  • the present application also proposes a computer device comprising a memory, a processor and computer readable instructions stored on the memory and operable on the processor, the processing The steps in the method of processing the capital resources in the above embodiments are implemented when the computer readable instructions are executed.
  • the present application also provides a storage medium storing computer readable instructions, which when executed by one or more processors, cause one or more processors to perform the above implementations The steps in the method of processing capital resources.
  • the storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种资金资源处理方法、系统、计算机设备和存储介质，所述方法包括：创建留存资金池和留存资金登记簿，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿；将申购资金放入至所述留存资金池内，并调用所述留存资金登记簿记录此次申购资金资源的信息，同时，将赎回资金放入至所述垫资资金池，并调用所述垫资资金登记簿记录此次赎回资金资源的信息；通过调用所述留存资金池内的资金来垫补垫资资金池，以满足用户进行基金赎回交易的资金需求，资金资源处理方法，缩短了用户在进行基金赎回交易时赎回资金到账的周期，提高了资金赎回效率，提升了用户的体验度。

Description

资金资源处理方法、系统、计算机设备和存储介质
本申请要求于2018年05月17日提交中国专利局、申请号为201810472089.X、发明名称为″资金资源处理方法、系统、计算机设备和存储介质″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
本申请涉及金融技术领域，特别是资金资源处理方法、系统、计算机设备和存储介质。
背景技术
基金交易是以基金为买卖对象，自我承担风险收益而进行的流通转让活动。基金买入是指有闲置资金的人可选用的一种投资、理财方式，将自己暂时不用的钱用来购买基金进行投资，以获取保值并赢取收益；基金买入包括认购、赎回、定投等流程。基金赎回又称基金买回，是指针对开放式基金，投资者以自己的名义直接或透过代理机构向基金管理公司要求部分或者全部退出基金的投资，并将买回款汇至该投资者的账户内；基金赎回包括赎回、清算等流程。基金交易已经成为日前大众很受欢迎的一种投资理财方式，其操作简单，收益回报率高。在用户通过基金获取收益后，通常选择基金赎回，将购买资金款项汇款至自己的账户内。投资者在直接以自己的名义或间接透过代理机构向基金管理公司要求退出基金投资的过程中，用户资金能够安全回款至用户账号。
在实际进行基金赎回的过程中，赎回资金到账的流程复杂，且因基金交易周期和资金结算周期存在不一致，致使基金赎回交易的资金到账周期长，且碰上周末或节假日还会延长用户资金到账时间。
发明内容
基于此，有必要针对在进行资金到账时，基金到账流程复杂，资金到账周 期长的问题，提出资金资源处理方法、系统、计算机设备和存储介质。
一种资金资源处理方法，包括：
在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金放置于所述垫资资金池内，垫补垫资资金池，以满足用户进行基金赎回交易的资金需求，资金资源处理方法。
基于相同的技术构思，本申请还提供了一种资金资源处理系统，包括：
创建资金池单元，设置为在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
资金入池单元，设置为将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
垫补单元，设置为统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金放置于所述垫资资金池内，垫补垫资资金池。
基于相同的技术构思，本申请还提供一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器执行以下步骤：
在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金资源放置于所述垫资资金池内，垫补垫资资金池。
基于相同的技术构思，本申请还提供一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金资源放置于所述垫资资金池内，垫补垫资资金池。
上述资金资源处理方法、系统、计算机设备和存储介质，通过在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；统计在垫资起始时间和垫资截止时间内所述垫资资金池内的资金资源数额能否满足用户进行基金赎回交易的资金资源数额要求，当无法满足时，则从所述留存资金池调取资金放置于所述垫资资金池内，垫补垫资资金池，以满足用户进行基金赎回交易的资金需求，资金资源处理方法，缩短了用户在进行基金赎回交易时赎回资金到账的周期，提高了资金赎回效率，提升了用户的体验度。
附图说明
图1为本申请一个实施例中一种资金资源处理方法的流程图；
图2为本申请一个实施例中一种资金资源处理系统的示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本技术领域技术人员可以理解，除非特意声明，这里使用的单数形式″一″、″一个″、″所述″和″该″也可包括复数形式。应该进一步理解的是，本申 请的说明书中使用的措辞″包括″是指存在所述特征、程序、步骤、操作、元件和/或组件，但是并不排除存在或添加一个或多个其他特征、程序、步骤、操作、元件、组件和/或它们的组。
图1为本申请一个实施例中一种资金资源处理方法的流程图，如图1所示，所述资金资源处理方法，可以包括如下步骤：
步骤S 1：在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
本实施例中，所述创建留存资金池的过程包括：
在基金交易系统内以用户的名义创建所述留存资金池和所述留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，调用所述留存资金登记簿通过预设的维护方式来维护所述留存资金池，所述预设的维护方式包括将放至所述留存资金池，调用所述留存登记簿具有的记录功能记录放入至所述留存资金池内的申购资金的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
所述基金申购是指投资者到基金管理公司或者选定的基金代销机构开设基金账户，按照固定的程序申请购买基金份额的行为。申购基金份额的数量是以申购日的基金份额资产净值为基础计算的，其具体计算方法须符合基金监管部门有关规定的要求，并在基金销售文件中予以载明。
基金代销机构会在基金交易系统内以要进行基金申购交易的用户的名义创建用于进行基金申购交易的资金账户，同时在所述基金交易系统内创建留存资金池，用户通过所述用于进行基金申购交易的资金账户来申请基金申购交易，其中申购资金将经过基金交易系统调至所述留存资金池内。在所述留存资金池内创建留存资金登记簿，所述留存资金登记簿可通过预设的维护方式来维护所述留存资金池，其预设的维护方式包括：设置申购资金进入所述留存资金池的渠道，实现申购资金资源安全进入所述留存资金池，通过所述留存资金登记簿 所具有的记录功能记录进入所述留存资金池内的此次申购资金资源的留存资金资源来源、留存金额、留存起始时间和留存截止时间。其中，所述留存资金资源来源是指此次基金申购交易的订单号，所述留存金额为此次申购基金交易的申购金额；所述留存起始时间为此次申购基金交易的完成时间；所述留存截止时间为此次基金申购交易完成后提交给基金公司的时间。
本实施例中，所述创建垫资资金池的过程包括：
在基金交易系统内创建所述垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，调用所述垫资资金登记簿通过预设的维护方式来维护所述垫资资金池，所述预设的维护方式包括将赎回资金资源安全放至所述垫资资金池，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内的赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
所述基金赎回是指投资者以自己的名义直接或间接透过基金代购机构向基金公司要回部分或全部退出基金投资，并将买汇款汇至该投资者的账户内。
基金代销机构会在基金交易系统内创建用于基金赎回交易的资金账户，同时在所述基金交易系统内创建垫资资金池，用户通过所述用户基金赎回交易的资金账户来申请基金赎回交易，其中赎回资金将经过基金交易系统调至所述垫资资金池内。在所述垫资资金池内创建垫资资金登记簿，所述垫资资金登记簿可通过预设的维护方式来维护所述垫资资金池，其预设的维护方式包括：设置赎回资金进入所述垫资资金池的渠道，实现赎回资金资源安全进入所述垫资资金池；通过所述垫资资金登记簿所具有的记录功能记录进入所述垫资资金池的此次赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。其中，所述垫资资金去向为此次赎回基金交易的订单号，所述垫资金额为此次赎回基金交易的赎回金额，所述垫资起始时间为此次赎回基金交易的创建时间，所述垫资截止时间为此次基金订单预期完成时间。
步骤S2：将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资 资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
本实施例中，所述申购资金放入至所述留存资金池的过程包括：
在一基金交易日内进行基金申购交易，将此次基金申购交易的申购资金资源放入至所述留存资金池内，调用所述留存资金登记簿具有的记录功能记录放入至所述留存资金池内的此次申购资金资源的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
所述基金交易日是指开放式基金接受申购、转换、赎回或其他交易的时间段，一般是指每个工作日的上午时间9：30到15：00，其中中午的11：30到13：00为休市时间。本实施例中的该基金交易日选定为2018年4月21日这天，在该日用户进行基金申购交易和基金赎回交易。
当用户在2018年4月21日进行基金申购交易时，用户通过用于进行基金申购交易的资金账户申请进行申购基金交易，所述留存资金登记簿通过设定的渠道将此次申购基金交易的申购资金资源安全的放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录此次申购基金交易的留存资金资源来源、留存金额、留存起始时间和留存截止时间。其中，所述留存资金资源来源是指此次基金申购交易的订单号，所述留存金额为此次申购基金交易的申购金额；所述留存起始时间为此次申购基金交易的完成时间；所述留存截止时间为此次基金申购交易完成后提交给基金公司的时间。举例来说，当用户在2018年4月21日进行基金申购交易，申请购买10万的基金，其订单编号为JIJINSHENGOU92150015，此次申购交易完成后提交至基金公司的时间为2018年4月22日。由此可知，所述留存资金资源来源为JIJINSHENGOU92150015，所述留存金额为10万，所述留存起始时间为2018年4月21日，留存截止时间为2018年4月22日。
本实施例中，所述赎回资金放入至所述垫资资金池内的过程包括：
在一基金交易日内进行基金赎回交易，将此次基金赎回交易的赎回资金资源放入至所述垫资资金池内，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内此次赎回资金资源的赎回基金来源、垫资资金去向、垫 资金额、垫资起始时间和垫资截止时间。
所述基金交易日是指开放式基金接受申购、转换、赎回或其他交易的时间段，一般是指每个工作日的上午时间9：30到15：00，其中中午的11：30到13：00为休市时间。本实施例中的该基金交易日选定为2018年4月21日这天，在该日用户进行基金申购交易和基金赎回交易。
当另一用户在2018年4月21日进行基金赎回交易时，用户通过用于进行基金赎回交易的资金账户申请进行赎回基金交易，垫资资金池通过设定的渠道将此次赎回基金交易的赎回资金资源安全的放入至所述垫资资金池内，并调用所述垫资资金登记簿具有的记录功能记录此次赎回基金交易的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。其中，垫资资金去向为此次赎回基金交易的订单号，所述垫资金额为此次赎回基金交易的赎回金额，所述垫资起始时间为此次赎回基金交易的创建时间，所述垫资截止时间为此次基金订单预期完成时间。举例来说，用户在2018年4月21日申请基金赎回交易，申请赎回18万基金，其订单编号为JIJINSHUHUI922104404，申请赎回时间为2018年4月21日，赎回交易截止时间为2018年4月22日，由此可知，所述垫资资金去向为JIJINSHUHUI922104404，所述垫资金额为18万，所述垫资起始时间为2018年4月21日，所述垫资截止时间为2018年4月22日。
本实施例中，所述进行基金申购交易的基金交易日与进行基金赎回交易的基金交易日不限定为同一基金交易日。
举例来说，一用户在2018年4月21日申请基金申购交易，另一用户申请在同日进行基金赎回交易，也可以在2018年4月21日之外的其他时间内申请基金赎回交易。
步骤S3：统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金放置于所述垫资资金池内，垫补垫资资金池，以满足用户进行基金赎回交易的资金需求，资金资源处理方法。
本实施例中，所述垫补垫资资金池的过程包括：
统计垫资起始时间与垫资截止时间内，垫资资金池内的资金资源数额能否满足用户进行基金赎回交易的赎回资金资源数额，若垫资资金池内的资金资源 数额能够满足此次赎回资金资源数额要求，则从垫资资金池内扣除此次赎回资金资源数额，以完成赎回资金到账，若所述垫资资金池内的资金资源数额不能满足此次赎回资金资源数额要求，则从所述留存资金池内调取资金资源放置于所述垫资资金池内，以完成赎回资金到账，若从所述留存资金池内调取资金资源放置于所述垫资资金池内，其资金仍不能满足赎回资金资源数额要求，则表示用户需走其他程序以完成资金赎回，向用户则反馈无法赎回资金的提示。
举例来说，当用户在2018年4月21日内申请基金赎回交易，其交易截止时间为2018年4月22日，所述基金交易系统将会统计在2018年4月21日到2018年4月22日这个时间段内，存储至所述留存资金池内的申购资金资源数额和存储至所述垫资资金池内的赎回资金资源数额，统计得出，所述留存资金池内的资金资源数额为25万，所述垫资资金池内的数额为30万，当用户申请赎回28万的申购资金时，所述垫资资金池内的资金资源数额30万能够满足该用户的需求，故而，所述垫资资金池将会调取用户所需的28万赎回资金，将其返款至用户的资金账户内；当用户申请的赎回资金资源数额为35万时，所述垫资资金池内的资金资源数额30万不能满足该用户的需求，所述垫资资金池将会向所述留存资金池发出请求，请求调取5万资金的要求，所述留存资金池在接收该请求后，调取所需的5万资金至所述垫资资金池内，由此满足用户需申请赎回35万赎回资金，将其返款至用户的资金账户内；当用户申请的赎回数额为60万时，所述垫资资金池在向所述留存资金池发送调取30万资金的请求后，因所述留存资金池内的资金资源数额为25万，无法满足其调取的资金需求，所述垫资资金池将会告知用户，无法满足用户赎回资金资源数额要求，则反馈无法赎回资金的提示。
上述实施例，通过创建所述留存资金池和所述留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；将申购资金放入至所述留存资金池内，并调用所述留存资金登记簿记录此次申购资金资源的信息，同时，将赎回资金放入至所述 垫资资金池，并调用所述垫资资金登记簿记录此次赎回资金资源的信息；通过调用所述留存资金池内的资金来垫补垫资资金池，以满足用户进行基金赎回交易的资金需求，资金资源处理方法，缩短了用户在进行基金赎回交易时赎回资金到账的周期，提高了资金赎回效率，提升了用户的体验度。
基于相同的技术构思，本申请还提供一种资金资源处理系统，如图2所示，所述系统包括创建资金池单元、资金入池单元和垫补单元；
创建资金池单元，设置为在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
资金入池单元，设置为将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
垫补单元，设置为统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金放置于所述垫资资金池内，垫补垫资资金池。
上述实施例，所述创建资金池单元通过创建所述留存资金池和所述留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；所述资金入池单元通过将申购资金放入至所述留存资金池内，并调用所述留存资金登记簿记录此次申购资金资源的信息，同时，将赎回资金放入至所述垫资资金池，并调用所述垫资资金登记簿记录此次赎回资金资源的信息；所述垫补单元通过调用所述留存资金池内的资金来垫补垫资资金池，以满足用户进行基金赎回交易的资金需求，资金资源处理方法，缩短了用户在进行基金赎回交易时赎回资金到账的周期，提高 了资金赎回效率，提升了用户的体验度。
在一个实施例中，所述创建资金池单元包括：创建留存资金池模块，设置为在基金交易系统内创建留存资金池，所述留存资金池用于存储基金申购交易的申购资金资源，在所述留存资金池内创建留存资金登记簿，调用所述留存资金登记簿，通过预设的维护方式来维护所述留存资金池，所述预设的维护方式包括将申购资金资源安全放至所述留存资金池，调用所述留存登记簿具有的记录功能记录放入至所述留存资金池内的申购资金的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
在一个实施例中，所述创建资金池单元包括：创建垫资资金池模块，设置为在基金交易系统内创建垫资资金池，所述垫资资金池用于存储基金赎回交易的赎回资金资源，在所述垫资资金池内创建垫资资金登记簿，调用所述垫资资金登记簿，通过预设的维护方式来维护所述垫资资金池，所述预设的维护方式包括将赎回资金资源安全放至所述垫资资金池，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内的赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
在一个实施例中，资金入池单元包括：申购资金入池模块，设置为在一基金交易日内进行基金申购交易，并将申购资金资源放入至所述留存资金池内，调用所述留存资金登记簿具有的记录功能记录放入至所述留存资金池内的此次申购资金资源的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
在一个实施例中，所述资金入池单元包括：赎回资金入池模块，设置为在一基金交易日内进行基金赎回交易，并将赎回资金资源放入至所述垫资资金池内，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内此次赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
在一个实施例中，所述进行基金申购交易的基金交易日与进行基金赎回交易的基金交易日不限定为同一基金交易日。
在一个实施例中，所述垫补单元包括：统计模块，设置为调用统计分组法统计垫资起始时间与垫资截止时间内，垫资资金池内的资金资源数额能否满足用户进行基金赎回交易的赎回资金资源数额；垫资模块，设置为若所述垫资资 金池内的资金资源数额能够满足此次赎回资金资源数额要求，则从所述垫资资金池内扣除此次赎回资金资源数额，以完成赎回资金到账，若所述垫资资金池内的资金资源数额不能满足此次赎回资金资源数额要求，则从所述留存资金池内调取资金资源放置于所述垫资资金池内，以完成赎回资金到账，若从所述留存资金池内调取资金资源放置于所述垫资资金池内，其资金资源仍不能满足赎回资金资源数额要求，则反馈无法赎回资金的提示。
基于相同的技术构思，本申请还提出了一种计算机设备，所述计算机设备包括存储器、处理器及存储在所述存储器上并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上述各实施例里资金资源处理方法中的步骤。
基于相同的技术构思，本申请还提供了一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行上述各实施例里资金资源处理方法中的步骤。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，该计算机程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，前述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random Access Memory，RAM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对本申请专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种资金资源处理方法，包括：
    在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
    将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
    统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金资源放置于所述垫资资金池内，垫补垫资资金池。
  2. 根据权利要求1所述的一种资金资源处理方法，其中，所述创建留存资金池包括：
    在基金交易系统内创建留存资金池，所述留存资金池用于存储基金申购交易的申购资金资源，在所述留存资金池内创建留存资金登记簿，调用所述留存资金登记簿，通过预设的维护方式来维护所述留存资金池，所述预设的维护方式包括将申购资金资源安全放至所述留存资金池，调用所述留存登记簿具有的记录功能记录放入至所述留存资金池内的申购资金的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
  3. 根据权利要求1所述的一种资金资源处理方法，其中，所述创建垫资资金池包括：
    在基金交易系统内创建垫资资金池，所述垫资资金池用于存储基金赎回交易的赎回资金资源，在所述垫资资金池内创建垫资资金登记簿，调用所述垫资资金登记簿，通过预设的维护方式来维护所述垫资资金池，所述预设的维护方式包括将赎回资金资源安全放至所述垫资资金池，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内的赎回资金资源的垫资资金去向、 垫资金额、垫资起始时间和垫资截止时间。
  4. 根据权利要求1所述的一种资金资源处理方法，其中，所述申购资金放入至所述留存资金池的过程包括：
    在一基金交易日内进行基金申购交易，并将申购资金资源放入至所述留存资金池内，调用所述留存资金登记簿具有的记录功能记录放入至所述留存资金池内的此次申购资金资源的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
  5. 根据权利要求1所述的一种资金资源处理方法，其中，所述赎回资金放入至所述垫资资金池的过程包括：
    在一基金交易日内进行基金赎回交易，并将赎回资金资源放入至所述垫资资金池内，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内此次赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
  6. 根据权利要求4所述的一种资金资源处理方法，其中，所述进行基金申购交易的基金交易日与进行基金赎回交易的基金交易日不限定为同一基金交易日。
  7. 根据权利要求1所述的一种资金资源处理方法，其中，所述垫补垫资资金池的过程包括：
    调用统计分组法统计垫资起始时间与垫资截止时间内，垫资资金池内的资金资源数额能否满足用户进行基金赎回交易的赎回资金资源数额，若所述垫资资金池内的资金资源数额能够满足此次赎回资金资源数额要求，则从所述垫资资金池内扣除此次赎回资金资源数额，以完成赎回资金到账，若所述垫资资金池内的资金资源数额不能满足此次赎回资金资源数额要求，则从所述留存资金池内调取资金资源放置于所述垫资资金池内，以完成赎回资金到账，若从所述留存资金池内调取资金资源放置于所述垫资资金池内，其资金资源仍不能满足赎回资金资源数额要求，则反馈无法赎回资金的提示。
  8. 一种资金资源处理系统，包括：
    创建资金池单元，设置为在基金交易系统内创建留存资金池和留存资金登 记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
    资金入池单元，设置为将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
    垫补单元，设置为统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金放置于所述垫资资金池内，垫补垫资资金池。
  9. 根据权利要求8所述的资金资源处理系统，其中，所述创建资金池单元包括：创建留存资金池模块，设置为在基金交易系统内创建留存资金池，所述留存资金池用于存储基金申购交易的申购资金资源，在所述留存资金池内创建留存资金登记簿，调用所述留存资金登记簿，通过预设的维护方式来维护所述留存资金池，所述预设的维护方式包括将申购资金资源安全放至所述留存资金池，调用所述留存登记簿具有的记录功能记录放入至所述留存资金池内的申购资金的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
  10. 根据权利要求8所述的资金资源处理系统，其中，所述创建资金池单元包括：创建垫资资金池模块，设置为在基金交易系统内创建垫资资金池，所述垫资资金池用于存储基金赎回交易的赎回资金资源，在所述垫资资金池内创建垫资资金登记簿，调用所述垫资资金登记簿，通过预设的维护方式来维护所述垫资资金池，所述预设的维护方式包括将赎回资金资源安全放至所述垫资资金池，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内的赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
  11. 根据权利要求8所述的资金资源处理系统，其中，所述资金入池单元包括：申购资金入池模块，设置为在一基金交易日内进行基金申购交易，并将申购资金资源放入至所述留存资金池内，调用所述留存资金登记簿具有的记录 功能记录放入至所述留存资金池内的此次申购资金资源的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
  12. 根据权利要求8所述的资金资源处理系统，其中，所述资金入池单元包括：赎回资金入池模块，设置为在一基金交易日内进行基金赎回交易，并将赎回资金资源放入至所述垫资资金池内，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内此次赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
  13. 根据权利要求11所述的资金资源处理系统，其中，所述进行基金申购交易的基金交易日与进行基金赎回交易的基金交易日不限定为同一基金交易日。
  14. 根据权利要求8所述的资金资源处理系统，其中，所述垫补单元包括：
    统计模块，设置为调用统计分组法统计垫资起始时间与垫资截止时间内，垫资资金池内的资金资源数额能否满足用户进行基金赎回交易的赎回资金资源数额；
    垫资模块，设置为若所述垫资资金池内的资金资源数额能够满足此次赎回资金资源数额要求，则从所述垫资资金池内扣除此次赎回资金资源数额，以完成赎回资金到账，若所述垫资资金池内的资金资源数额不能满足此次赎回资金资源数额要求，则从所述留存资金池内调取资金资源放置于所述垫资资金池内，以完成赎回资金到账，若从所述留存资金池内调取资金资源放置于所述垫资资金池内，其资金资源仍不能满足赎回资金资源数额要求，则反馈无法赎回资金的提示。
  15. 一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器执行以下步骤：
    在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维 护所述垫资资金池；
    将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
    统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金资源放置于所述垫资资金池内，垫补垫资资金池。
  16. 根据权利要求15所述的计算机设备，其中，所述创建留存资金池时，使得所述处理器执行以下步骤：
    在基金交易系统内创建留存资金池，所述留存资金池用于存储基金申购交易的申购资金资源，在所述留存资金池内创建留存资金登记簿，调用所述留存资金登记簿，通过预设的维护方式来维护所述留存资金池，所述预设的维护方式包括将申购资金资源安全放至所述留存资金池，调用所述留存登记簿具有的记录功能记录放入至所述留存资金池内的申购资金的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
  17. 根据权利要求15所述的计算机设备，其中，所述创建垫资资金池时，使得所述处理器执行以下步骤：
    在基金交易系统内创建垫资资金池，所述垫资资金池用于存储基金赎回交易的赎回资金资源，在所述垫资资金池内创建垫资资金登记簿，调用所述垫资资金登记簿，通过预设的维护方式来维护所述垫资资金池，所述预设的维护方式包括将赎回资金资源安全放至所述垫资资金池，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内的赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
  18. 一个存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
    在基金交易系统内创建留存资金池和留存资金登记簿，所述留存资金池用于存储基金申购交易的申购资金资源，所述留存资金登记簿用于维护所述留存 资金池，同时，在基金交易系统内创建垫资资金池和垫资资金登记簿，所述垫资资金池用于存储基金赎回交易的赎回资金资源，所述垫资资金登记簿用于维护所述垫资资金池；
    将用于基金申购交易的申购资金资源放入至所述留存资金池内，并调用所述留存资金登记簿具有的记录功能记录存储所述留存资金池内的申购资金资源的信息，同时，将用于基金赎回交易的赎回资金资源放入至所述垫资资金池，并调用所述垫资资金登记簿具有的记录功能记录存储所述垫资资金池内的赎回资金资源的信息；
    统计所述留存资金池和所述垫资资金池内的资金资源数额，从所述留存资金池调取资金资源放置于所述垫资资金池内，垫补垫资资金池。
  19. 根据权利要求18所述的存储介质，其中，所述创建留存资金池时，使得一个或多个处理器执行以下步骤：
    在基金交易系统内创建留存资金池，所述留存资金池用于存储基金申购交易的申购资金资源，在所述留存资金池内创建留存资金登记簿，调用所述留存资金登记簿，通过预设的维护方式来维护所述留存资金池，所述预设的维护方式包括将申购资金资源安全放至所述留存资金池，调用所述留存登记簿具有的记录功能记录放入至所述留存资金池内的申购资金的留存资金资源来源、留存金额、留存起始时间、留存截止时间。
  20. 根据权利要求18所述的存储介质，其中，所述创建垫资资金池时，使得一个或多个处理器执行以下步骤：
    在基金交易系统内创建垫资资金池，所述垫资资金池用于存储基金赎回交易的赎回资金资源，在所述垫资资金池内创建垫资资金登记簿，调用所述垫资资金登记簿，通过预设的维护方式来维护所述垫资资金池，所述预设的维护方式包括将赎回资金资源安全放至所述垫资资金池，调用所述垫资资金登记簿具有的记录功能记录放入至所述垫资资金池内的赎回资金资源的垫资资金去向、垫资金额、垫资起始时间和垫资截止时间。
PCT/CN2018/104717 2018-05-17 2018-09-08 资金资源处理方法、系统、计算机设备和存储介质 Ceased WO2019218545A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201810472089.XA CN108648083A (zh) 2018-05-17 2018-05-17 资金资源处理方法、系统、计算机设备和存储介质
CN201810472089.X 2018-05-17

Publications (1)

Publication Number Publication Date
WO2019218545A1 true WO2019218545A1 (zh) 2019-11-21

Family

ID=63756463

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/104717 Ceased WO2019218545A1 (zh) 2018-05-17 2018-09-08 资金资源处理方法、系统、计算机设备和存储介质

Country Status (2)

Country Link
CN (1) CN108648083A (zh)
WO (1) WO2019218545A1 (zh)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110097468A (zh) * 2019-05-09 2019-08-06 阿里巴巴集团控股有限公司 基金赎回方法、装置、设备及系统
CN112132688A (zh) * 2019-06-25 2020-12-25 财付通支付科技有限公司 一种资金处理方法、装置和设备
CN112150173B (zh) * 2019-06-26 2024-04-12 财付通支付科技有限公司 资源回报处理方法及装置、计算机可读介质和电子设备
CN111127210B (zh) * 2019-12-31 2023-04-14 深圳前海微众银行股份有限公司 一种业务处理方法及装置
CN114153589B (zh) * 2020-09-08 2025-09-09 财付通支付科技有限公司 资源处理方法、资源处理装置、计算机设备及存储介质

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1477572A (zh) * 2002-08-21 2004-02-25 建华商业银行股份有限公司 投资管理帐户
CN101216922A (zh) * 2007-12-28 2008-07-09 中国工商银行股份有限公司 一种实时超短期理财系统和方法
CN101271564A (zh) * 2008-04-30 2008-09-24 中国工商银行股份有限公司 基于网络对客户协议资金池数据进行处理的系统及方法
CN102479375A (zh) * 2010-11-26 2012-05-30 深圳证券交易所 一种开放式基金申购赎回交易的方法及系统
CN107220895A (zh) * 2017-05-31 2017-09-29 腾讯科技（深圳）有限公司 虚拟资源的转移数值统计方法及装置

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1477572A (zh) * 2002-08-21 2004-02-25 建华商业银行股份有限公司 投资管理帐户
CN101216922A (zh) * 2007-12-28 2008-07-09 中国工商银行股份有限公司 一种实时超短期理财系统和方法
CN101271564A (zh) * 2008-04-30 2008-09-24 中国工商银行股份有限公司 基于网络对客户协议资金池数据进行处理的系统及方法
CN102479375A (zh) * 2010-11-26 2012-05-30 深圳证券交易所 一种开放式基金申购赎回交易的方法及系统
CN107220895A (zh) * 2017-05-31 2017-09-29 腾讯科技（深圳）有限公司 虚拟资源的转移数值统计方法及装置

Also Published As

Publication number Publication date
CN108648083A (zh) 2018-10-12

Similar Documents

Publication Publication Date Title
WO2019218545A1 (zh) 资金资源处理方法、系统、计算机设备和存储介质
EP2297708A1 (en) Buffered bookkeeping
TW202008251A (zh) 支付工具推薦方法、裝置、設備及電腦可讀儲存媒體
WO2019232968A1 (zh) 交易数据轧差处理方法、系统、计算机设备和存储介质
US20080114676A1 (en) Method for providing a prepaid debit card for debt recovery
WO2020043086A1 (zh) 电子凭证处理方法、系统以及电商系统、存储介质
WO2019157984A1 (zh) 基于身份识别的支付方法以及装置
CN107239928B (zh) 一种资源分配的流程生成方法及装置
CN102254379A (zh) 收单平台、收单端系统和银行卡消费交易系统及其用途
CN112907346A (zh) 一种对账数据处理方法及装置
US20060074804A1 (en) Systems, methods, and computer readable media for managing interest-bearing financial accounts
CN110458661A (zh) 一种根据企业现金流进行企业理财方案推荐的方法及装置
CN107818460A (zh) 一种支付方法及装置
CN101221680A (zh) 实现个人贷款最低最高额还款的系统及方法
JP2018055398A (ja) ポイント使用斡旋システムおよびポイント使用斡旋方法
JP2003178242A (ja) 取引処理方法および取引処理システム
CN121146868A (zh) 一种分账方法、装置及设备
CN108960803A (zh) 专利年费预约支付系统的控制方法、存储介质和设备
CN109034770A (zh) 一种专利年费预约支付系统、存储介质和设备
JP2023060874A5 (zh)
CN111178865A (zh) 一种支付方法及装置
JP2024075718A5 (ja) プログラム、情報処理方法、情報処理装置、システム
CN112132688A (zh) 一种资金处理方法、装置和设备
CN111242766A (zh) 贷款方法、装置、服务器及存储介质
CN115375366A (zh) 一种基于余额成分组合标定与转移的数据处理方法及系统

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18919283

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 22.01.2021

122 Ep: pct application non-entry in european phase

Ref document number: 18919283

Country of ref document: EP

Kind code of ref document: A1