WO2019218545A1 - Procédé et système de traitement de ressources d'argent, dispositif informatique et support d'informations - Google Patents

Procédé et système de traitement de ressources d'argent, dispositif informatique et support d'informations 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
Application number
PCT/CN2018/104717
Other languages
English (en)
Chinese (zh)
Inventor
陈培镇
黄鸿顺
陈泽晖
Original Assignee
平安科技（深圳）有限公司
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 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2019218545A1 publication Critical patent/WO2019218545A1/fr

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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

La présente invention concerne un procédé et un système de traitement de ressources de fonds, un dispositif informatique et un support d'informations. Le procédé comprend : la création d'un groupe de fonds retenus et d'un livre d'enregistrement de fonds retenus, et la création simultanée d'un groupe de fonds anticipés et d'un livre d'enregistrement de fonds anticipés dans un système de négoce de fonds ; le placement de fonds de souscription dans le groupe de fonds retenus et l'appel du livre d'enregistrement de fonds retenus pour enregistrer les informations des ressources de fonds souscrits, et le placement simultané de fonds remboursés dans le groupe de fonds anticipés et l'appel du livre d'enregistrement de fonds anticipés pour enregistrer les informations des ressources de fonds remboursés ; et l'appel des fonds dans le groupe de fonds retenus pour remplir le groupe de fonds anticipés de sorte à satisfaire les exigences liées à des fonds d'un utilisateur durant une transaction de remboursement de fonds. Le procédé de traitement de ressources de fonds raccourcit le cycle des fonds remboursés portés au compte lorsqu'un utilisateur exécute une transaction de remboursement de fonds, améliore l'efficacité pour rembourser des fonds et augmente le degré de convivialité d'utilisation.
PCT/CN2018/104717 2018-05-17 2018-09-08 Procédé et système de traitement de ressources d'argent, dispositif informatique et support d'informations WO2019218545A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201810472089.X 2018-05-17
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

Publications (1)

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

Family

ID=63756463

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/104717 WO2019218545A1 (fr) 2018-05-17 2018-09-08 Procédé et système de traitement de ressources d'argent, dispositif informatique et support d'informations

Country Status (2)

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

Families Citing this family (4)

* 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

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 (fr) Procédé et système de traitement de ressources d'argent, dispositif informatique et support d'informations
US8152061B2 (en) System and method for processing closed loop cards and codes
US20190147486A1 (en) Crypto-currency rewards network
US20110125616A1 (en) Buffered Bookkeeping
RU2008101106A (ru) Безналичная операция, относящаяся к предапрительным заказам со скидкой, с оплатой через сеть обработки платежей
CN107239928B (zh) 一种资源分配的流程生成方法及装置
TW202008251A (zh) 支付工具推薦方法、裝置、設備及電腦可讀儲存媒體
US20080114676A1 (en) Method for providing a prepaid debit card for debt recovery
WO2020043086A1 (fr) Procédé et système de traitement de certificats électroniques, système de commerce électronique et support de stockage
WO2019232968A1 (fr) Système et procédé de traitement de données de transaction nette, appareil informatique, et support d'informations
CN106530423A (zh) 一种实现停车费支付的方法和服务器
US20060074804A1 (en) Systems, methods, and computer readable media for managing interest-bearing financial accounts
CN110930245A (zh) 数据处理方法、装置、电子设备和存储介质
CN112907346A (zh) 一种对账数据处理方法及装置
CN101221680A (zh) 实现个人贷款最低最高额还款的系统及方法
JP7045259B2 (ja) 決済管理システムおよび決済管理方法
JP2007102329A (ja) ポイント管理方法及びポイント管理プログラム
CN108960803A (zh) 专利年费预约支付系统的控制方法、存储介质和设备
JP2003178242A (ja) 取引処理方法および取引処理システム
JP2021117643A (ja) 情報処理装置、プログラム、及び情報処理方法
CN108564354B (zh) 结算方法、服务平台及服务器
CN111178865A (zh) 一种支付方法及装置
CN111242766A (zh) 贷款方法、装置、服务器及存储介质
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
JP4563763B2 (ja) 口座管理方法及び口座管理プログラム

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