WO2020006904A1 - 财务调拨方法、装置、计算机设备和存储介质 - Google Patents

财务调拨方法、装置、计算机设备和存储介质 Download PDF

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Publication number
WO2020006904A1
WO2020006904A1 PCT/CN2018/108418 CN2018108418W WO2020006904A1 WO 2020006904 A1 WO2020006904 A1 WO 2020006904A1 CN 2018108418 W CN2018108418 W CN 2018108418W WO 2020006904 A1 WO2020006904 A1 WO 2020006904A1
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WIPO (PCT)
Prior art keywords
enterprise
transfer
task
bank
financial
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Ceased
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PCT/CN2018/108418
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English (en)
French (fr)
Inventor
刘建
宁之孟
魏尧东
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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Publication of WO2020006904A1 publication Critical patent/WO2020006904A1/zh
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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q40/125—Finance or payroll
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management

Definitions

  • the present application relates to the field of computers, and in particular, to a financial transfer method, device, computer equipment, and storage medium.
  • each enterprise-end front-end processor intelligently docks with a bank.
  • another enterprise-end front-end processor needs to be replaced after the operation for a bank account is completed.
  • Each financial transfer requires login.
  • the operations of multiple bank accounts require the replacement of different enterprise-end front-end machines, which is tedious to operate.
  • the main purpose of this application is to provide a financial transfer method, device, computer equipment and storage medium for quickly realizing financial transfer.
  • this application proposes a financial transfer method, which uses an enterprise-end front-end machine set on an enterprise side to perform financial data interaction with a bank-side.
  • the enterprise-end front-end machine is provided with multiple UKey interfaces, and the enterprise
  • the front-end processor corresponds to a plurality of the UKey interfaces and is configured to complete financial data interaction with multiple bank-end front-end processors of different types of banks; the method includes:
  • the designated second bank account is transferred to the first transfer bank account according to a preset transfer rule.
  • This application also provides a financial transfer device, which uses an enterprise-end front-end machine set on the enterprise side to exchange financial data with the bank.
  • the enterprise-end front-end machine is provided with multiple UKey interfaces, and the enterprise-side front-end machine corresponds to A plurality of the UKey interfaces are configured to complete financial data interaction with a plurality of bank-side front-end processors of different types of banks; the device includes:
  • An obtaining unit configured to obtain, through the enterprise-end front-end processor, the balances of a plurality of transfer bank accounts designated by the enterprise that require financial transfer management;
  • a judging unit judging whether the balance of each of the transfer bank accounts is less than a transfer threshold set for each of the transfer bank accounts
  • a transfer unit is configured to transfer a designated second bank account to the first transfer bank account according to a preset transfer rule if there is a first transfer bank account with a balance less than a transfer threshold.
  • the present application further provides a computer device including a memory and a processor, where the memory stores computer-readable instructions, and when the processor executes the computer-readable instructions, implements the steps of any of the foregoing methods.
  • the present application also provides a computer non-volatile readable storage medium on which computer readable instructions are stored, and when the computer readable instructions are executed by a processor, the steps of the method described above are implemented.
  • the financial transfer method, device, computer equipment, and storage medium of this application because the enterprise-end front-end machine can perform direct bank-enterprise functions with a number of different types of banks, so multiple UKey interfaces are set on the enterprise-end front-end machine.
  • the enterprise-end front-end machine can perform direct bank-enterprise functions with a number of different types of banks, so multiple UKey interfaces are set on the enterprise-end front-end machine.
  • FIG. 1 is a schematic flowchart of a financial transfer method according to an embodiment of the present invention
  • FIG. 2 is a schematic flowchart of step S1 in the financial transfer method according to an embodiment of the present invention
  • FIG. 3 is a schematic flowchart of step S3 in the financial transfer method according to an embodiment of the present invention.
  • FIG. 4 is a schematic block diagram of a structure of a financial transfer device according to an embodiment of the present invention.
  • FIG. 5 is a schematic block diagram of a structure of an obtaining unit according to an embodiment of the present invention.
  • FIG. 6 is a schematic block diagram of a configuration of an allocation unit according to an embodiment of the present invention.
  • FIG. 7 is a schematic block diagram of a computer device according to an embodiment of the present invention.
  • an embodiment of the present application provides a financial transfer method, which uses an enterprise-side front-end machine set on an enterprise side to perform financial data interaction with a bank side.
  • the enterprise-side front-end machine is provided with multiple UKey interfaces, and the enterprise The front end processor corresponds to a plurality of the UKey interfaces and is configured to complete financial data interaction with a plurality of different bank end front processors.
  • the above-mentioned enterprise-side front-end machine refers to the front-end machine set on the enterprise side, and is an intermediate device when the enterprise-side financial system is directly connected with the bank-bank-enterprise.
  • the foregoing enterprise-side front-end machine is configured to complete data interaction with a plurality of different types of bank-side front-end machines.
  • the configuration process is that when an enterprise-side front-end machine is installed, the enterprise-side front-end machine has an administrator interface. Enter the specified configuration information in the preset interface.
  • the configuration information includes the enterprise ID, the enterprise front-end processor number, the bank server IP, the bank port, the bank-enterprise direct connection number of the bank, and the bank-end front-end processor version number.
  • Banks and other corporate financial systems and banks complete the necessary parameters for direct bank-enterprise integration, and configure the number of threads to configure multi-threaded tasks; then send the configuration results to the application corresponding to the enterprise front-end processor server. That is, configure the bank-enterprise direct account number and related information that are applied for.
  • each bank-enterprise direct account When an enterprise needs to log in to each bank-enterprise direct account to obtain data (transaction data, query data, etc.) in its corresponding bank, it only needs to be in the enterprise.
  • the corresponding UKey (a small storage device directly connected to the computer via USB, with password verification function, and reliable and high speed) can be inserted into the front-end machine, which can realize an enterprise-side front-end machine and a number of different types of banks.
  • the front-end of the enterprise can easily obtain the account information, transaction flow information, and balance information of each bank-enterprise direct account of the enterprise, and can perform related operations such as payment, collection, and transfer.
  • the above major banks refer to different banks.
  • ICBC and China Construction Bank belong to two different major banks, that is, banks using different front-end processors are considered to be different major banks.
  • the above methods include:
  • step S1 the enterprise side will be provided with a financial system corresponding to the above-mentioned enterprise-side front-end processor, and the enterprise financial staff will initiate a financial transfer command on the financial system to the corresponding enterprise-side front-end processor.
  • the application server the application server then initiates a financial transfer command, or the application server automatically initiates a financial transfer command according to a preset time interval set by the financial system.
  • the front-end of the enterprise can realize the connection with the bank front-ends of multiple configured banks and perform data interaction, there is no need to manually log in when querying the balance of the bank account that needs financial transfer management.
  • the inquiry of different bank accounts can be completed through the financial system.
  • the prerequisite is that the UKey of the corresponding bank is plugged into the front end of the enterprise.
  • there are two transfer bank accounts that need financial transfer management namely transfer bank account A of bank A and transfer bank account B of bank B, where bank A and bank B are not similar banks (ie, bank A
  • bank A and bank B are not similar banks
  • the bank front-end of the bank is different from the bank front-end of Bank B
  • there is no need to insert the UKey corresponding to the transfer bank account A into the front-end of the enterprise side and then log in to the transfer bank account A to check its balance
  • unplug Transfer the UKey corresponding to bank account A insert the UKey corresponding to bank account B, and log in to bank account B to check its balance.
  • the front-end processor can complete the financial transfer directly through the above-mentioned financial system machine, which is convenient, fast and releases human resources.
  • the transfer thresholds of different transfer bank accounts may be the same or different.
  • the transfer threshold of the first account is 1 million RMB
  • the transfer threshold of the second account is 5 million RMB.
  • the obtained balances of the respective transfer bank accounts are compared with their corresponding transfer thresholds. In this way, some transfer bank accounts need to be transferred, while others do not need to be transferred.
  • the transfer bank account that needs to be transferred is sorted out, for example, it is put into a preset transfer data list to facilitate subsequent bank transfers.
  • the above preset rules include multiple types. For example, if the balance is less than the transfer threshold X, the bank transfers X directly from the second bank account to the corresponding first transfer bank account. For example, no matter how much the balance is less than the transfer threshold, Will transfer a fixed amount from the second bank account to the first transfer account bank and so on.
  • the above-mentioned second bank account is generally a fixed account, such as a transfer account set up by an enterprise, and regularly transfers money to this total account. Then, when the transfer bank account that requires financial transfer management becomes the above-mentioned first transfer bank account, that is, This general account will be transferred to the first transfer bank account to achieve financial transfers.
  • the above-mentioned step S1 of obtaining, through the enterprise-end front-end processor, the balance of a plurality of transfer bank accounts designated by the enterprise that requires financial transfer management includes:
  • the above-mentioned first task ID is only an identifier, which uniquely corresponds to the balance inquiry task, and the first task ID has no task content, so as to prevent the message of the balance inquiry task from being directly placed in front of the enterprise end.
  • the enterprise-end front-end unit of this application can be connected to multiple bank-side front-end units, there will be many different tasks, and the packets of various tasks will be directly stacked in the front-end unit's cache, which will greatly reduce The operation efficiency of the front end of the enterprise side even crashed.
  • the preset cache queue generally includes a transaction cache queue and a query cache queue. Different cache queues store task IDs of corresponding attributes, and correspondingly set a transaction thread pool and a query thread pool.
  • the front end of the enterprise obtains the first task ID, it first determines the attributes of the first task ID.
  • the attributes include transaction attributes and query attributes. Because the first task ID belongs to the query class, it is placed in the query cache queue. in.
  • the tasks in the two cache queues are sorted according to priority. Each task will be set with a type identifier. The type identifier is divided into 1-8 levels. If it is 1, the highest level, which represents emergency tasks.
  • Priority processing can be based on presets. Pre-set rules, according to the specific request attached to the corresponding priority level, for example, the level of payment is higher than the level of query bank flow.
  • the first task ID fed back by the front-end server of the enterprise refers to that, if there is idle in the thread pool corresponding to the cache queue, the task is obtained from the cache queue, and because only the task ID is in the cache queue at this time. Therefore, the enterprise-side pre-opportunity will return the task ID to the above application server, and the application server will generate or call the corresponding task according to the task ID. In this application, when the task ID is the first task ID, the obtained task is the corresponding balance query task.
  • the configuration information will include the number of the bank front-end machine corresponding to the transfer bank account, the corresponding bank server IP, etc. This information is information that is configured when the enterprise-end front-end processor is installed and sent to the application server corresponding to the enterprise-end front-end processor. The above application server will automatically write this information into the task according to the request, so that the front end of the enterprise side can connect to the corresponding front end of the bank.
  • the above-mentioned enterprise-side front-end machine After receiving the balance inquiry task, the above-mentioned enterprise-side front-end machine will first analyze the required information, such as the number of the bank-side front-end machine, the corresponding bank server IP, and transfer bank account, etc., and then send the balance inquiry task accurately to Corresponding bank front-end machine, the bank front-end machine forwards it to the bank server to obtain the final account balance.
  • the required information such as the number of the bank-side front-end machine, the corresponding bank server IP, and transfer bank account, etc.
  • step S104 a query result is obtained—the account balance of the transfer bank account that requires financial transfer management.
  • step S3 of transferring from the designated second bank account to the first transfer bank account according to a preset transfer rule include:
  • the second task ID is only an identifier, and the identifier uniquely corresponds to the financial transfer task.
  • the second task ID has no task content, so as to prevent the message of the financial transfer task from being directly placed on the enterprise side.
  • the front-end processor affects the running space of the enterprise-end front-end processor and reduces the running speed. Because the enterprise-end front-end unit of this application can be connected to multiple bank-side front-end units, there will be many different tasks, and the packets of various tasks will be directly stacked in the front-end unit's cache, which will greatly reduce The operation efficiency of the front end of the enterprise side even crashed.
  • the second task ID is an ID corresponding to a transaction task, so it will be stored in the above-mentioned transaction cache queue.
  • the second task ID fed back by the front-end server of the enterprise refers to that if there is idle in the thread pool corresponding to the cache queue, the task is obtained from the cache queue, because the task queue is only the task ID at this time. Therefore, the enterprise side returns a task ID to the application server in advance, and the application server generates or retrieves a corresponding task message according to the task ID. In this application, when the task ID is the second task ID, the humanities obtained are corresponding financial transfer task messages.
  • the configuration information will include the number of the bank-side front-end processor corresponding to the transfer bank account, The corresponding bank server IP, the bank front end number corresponding to the second bank account, the corresponding bank server IP, etc. These information are configured when the enterprise front end is installed and sent to the enterprise front end. In your application server. The above application server will automatically write this information into the task according to the request, so that the front end of the enterprise side can connect to the corresponding front end of the bank.
  • the above-mentioned enterprise-side front-end machine After receiving the financial transfer task, the above-mentioned enterprise-side front-end machine will first analyze the required information, such as the number of the bank-side front-end machine, the corresponding bank server IP, the transfer bank account, and the second bank account, etc., and then transfer the finance
  • the task message is accurately sent to the corresponding bank front-end, and the bank front-end is being forwarded to the bank server to complete the final transfer.
  • the bank server corresponding to the second bank account After the bank server corresponding to the second bank account has completed the transfer, it will return a result message to the enterprise front-end processor, and the enterprise front-end processor will feed it back to its corresponding application server.
  • the application server will be based on the enterprise's financial system. Configuration to choose whether to feed the results back into the financial system.
  • the method for financial transfer further includes:
  • the enterprise front-end machine and the application server should be online for a long time, but because it is an electronic product, it will inevitably fail or upgrade. At this time, the enterprise front-end machine and the application server may lose the connection.
  • This method detects the connection status between the enterprise front end and the application server. When the connection between the two fails, an alarm message needs to be issued.
  • the bank-side front-end machine is sent to the bank's relevant management system by the bank-side front-end machine to inform the bank-side staff.
  • the bank-side staff can manually notify the corresponding staff of the enterprise-side that a disconnection failure has occurred.
  • the receiving and sending of the heartbeat detection packet can ensure that the financial personnel at the enterprise side know whether the front-end processor of the enterprise side and the application server are disconnected, so as to timely process things that should be directly completed by the bank and enterprise.
  • step S1 of obtaining the balance of a plurality of transfer bank accounts that requires financial transfer management designated by the enterprise through the front end of the enterprise the method includes:
  • the identifiers corresponding to the types of banks of the UKey devices inserted into each UKey interface are collected, and then the identifiers are compared with the identifiers representing various types of banks configured when the front-end processor of the enterprise is configured.
  • the collected logos fully cover the logos representing various types of banks configured when the enterprise-end front-end is configured, it is determined that UKey devices corresponding to various types of banks are inserted into the enterprise-end front-end, and subsequent steps such as step S1 can be performed. If not, extract the type of bank corresponding to the uncovered logo and send it to the relevant personnel of the enterprise to report the alarm.
  • the relevant personnel of the enterprise can deal with it accordingly and forget the inserted UKey device or the insertion place will be loose and cause Re-insertion of UKey equipment with poor contact, etc., to ensure the interaction between the enterprise and the banks.
  • the above-mentioned financial transfer method further includes: performing task interaction with the enterprise-side front-end processor through a long connection.
  • the application server and the enterprise-end front end use the block input output (BIO) synchronous blocking mode for a long connection to complete task interaction.
  • BIO block input output
  • Different order return query tasks cannot be performed at the same time, so they need to be performed in accordance with the order of instructions.
  • One instruction can be executed before the next instruction can be executed. It cannot be executed asynchronously. Therefore, the BIO synchronous blocking mode is used in this application to enable the application server and the enterprise front-end processor. Make a long connection.
  • the packets sent by the enterprise-end front-end unit and the application server to each other are serialized using Protocol Buffers.
  • Protocol Buffers It is a lightweight and efficient structured data storage format, which can be used for serialization of structured data, or serialization. It is very suitable for data storage or RPC data exchange format. Language-independent, platform-independent, and extensible serialization structure data format that can be used in communication protocols, data storage, etc., simply The main advantages of Protobuf are: simple and fast. This application uses GOOGLE's Protocol Buffers for serialization, which can improve the efficiency of message packaging and sending.
  • the enterprise-end front-end machine can perform direct bank-enterprise functions with a plurality of different types of banks, multiple UKey interfaces are set on the enterprise-end front-end machine to ensure the integrity of each bank account.
  • Normal use when initiating a financial transfer task, there is no need to manually log in to a different transfer bank account to check its balance, nor to manually transfer to a transfer bank account that needs to be transferred, you can automatically query the balance of different transfer bank accounts, and then The balance of each transfer bank account determines which transfer bank accounts need to be transferred, and the transfer can be completed automatically, which greatly improves the efficiency of financial transfers and saves human resources. It only needs to be configured once. During the financial transfer process, No artificial errors such as output of account numbers will occur, making the process of financial transfer more accurate.
  • an embodiment of the present application provides a financial transfer device, which uses an enterprise-side front-end machine provided on an enterprise side to perform financial data interaction with a bank-side.
  • the enterprise-side front-end machine is provided with multiple UKey interfaces, and the enterprise The front end processor corresponds to a plurality of the UKey interfaces and is configured to complete financial data interaction with a plurality of different bank end front processors.
  • the above-mentioned enterprise-side front-end machine refers to the front-end machine set on the enterprise side, and is an intermediate device when the enterprise-side financial system is directly connected with the bank-bank-enterprise.
  • the foregoing enterprise-side front-end machine is configured to complete data interaction with a plurality of different types of bank-side front-end machines.
  • the configuration process is that when an enterprise-side front-end machine is installed, the enterprise-side front-end machine has an administrator interface. Enter the specified configuration information in the preset interface.
  • the configuration information includes the enterprise ID, the enterprise front-end processor number, the bank server IP, the bank port, the bank-enterprise direct connection number of the bank, and the bank-end front-end processor version number.
  • Banks and other corporate financial systems and banks complete the necessary parameters for direct bank-enterprise integration, and configure the number of threads to configure multi-threaded tasks; then send the configuration results to the application corresponding to the enterprise front-end processor server. That is, configure the bank-enterprise direct account number and related information that are applied for.
  • each bank-enterprise direct account When an enterprise needs to log in to each bank-enterprise direct account to obtain data (transaction data, query data, etc.) in its corresponding bank, it only needs to be in the enterprise.
  • the corresponding UKey (a small storage device directly connected to the computer via USB, with password verification function, and reliable and high speed) can be inserted into the front-end machine, which can realize an enterprise-side front-end machine and a number of different types of banks.
  • the front-end of the enterprise can easily obtain the account information, transaction flow information, and balance information of each bank-enterprise direct account of the enterprise, and can perform related operations such as payment, collection, and transfer.
  • the above major banks refer to different banks.
  • ICBC and China Construction Bank belong to two different major banks, that is, banks using different front-end processors are considered to be different major banks.
  • the above devices include:
  • the obtaining unit 10 is configured to obtain, through the enterprise-end front-end processor, the balances of a plurality of transfer bank accounts designated by the enterprise that require financial transfer management.
  • the enterprise end will be provided with a financial system corresponding to the above-mentioned front end of the enterprise, and the financial personnel of the enterprise will initiate a financial transfer command on the financial system to the application server corresponding to the front end of the enterprise.
  • the server then issues a financial transfer command, or the application server automatically initiates a financial transfer command according to a preset time interval set by the financial system.
  • the front-end of the enterprise can realize the connection with the bank front-ends of multiple configured banks and perform data interaction, there is no need to manually log in when querying the balance of the bank account that needs financial transfer management.
  • the inquiry of different bank accounts can be completed through the financial system.
  • the prerequisite is that the UKey of the corresponding bank is plugged into the front end of the enterprise.
  • there are two transfer bank accounts that need financial transfer management namely transfer bank account A of bank A and transfer bank account B of bank B, where bank A and bank B are not similar banks (ie, bank A
  • bank A and bank B are not similar banks
  • the bank front-end of the bank is different from the bank front-end of Bank B
  • there is no need to insert the UKey corresponding to the transfer bank account A into the front-end of the enterprise side and then log in to the transfer bank account A to check its balance
  • unplug Transfer the UKey corresponding to bank account A insert the UKey corresponding to bank account B, and log in to bank account B to check its balance.
  • the front-end processor can complete the financial transfer directly through the above-mentioned financial system machine, which is convenient, fast and releases human resources.
  • the determining unit 20 is configured to determine whether the balance of each of the transfer bank accounts is less than a transfer threshold set for each of the transfer bank accounts.
  • the transfer thresholds of different transfer bank accounts may be the same or different.
  • the transfer threshold of the first account is 1 million RMB
  • the transfer threshold of the second account is 5 million RMB.
  • the obtained balances of the respective transfer bank accounts are compared with their corresponding transfer thresholds. In this way, some transfer bank accounts need to be transferred, while others do not need to be transferred.
  • the transfer bank account that needs to be transferred is sorted out, for example, it is put into a preset transfer data list to facilitate subsequent bank transfers.
  • a transfer unit 30 is configured to transfer a designated second bank account to the first transfer bank account according to a preset transfer rule if there is a first transfer bank account with a balance less than a transfer threshold.
  • the above-mentioned preset rules include multiple types, for example, if the balance is less than the transfer threshold X, the bank transfers X directly from the second bank account to the corresponding first transfer bank account; , Will transfer a fixed amount from the second bank account to the first transfer account bank and so on.
  • the above-mentioned second bank account is generally a fixed account, such as a transfer account set up by an enterprise, and regularly transfers money to this total account. Then, when the transfer bank account that requires financial transfer management becomes the above-mentioned first transfer bank account, that is, This general account will be transferred to the first transfer bank account to achieve financial transfers.
  • the foregoing obtaining unit 10 includes:
  • a first sending module 101 is configured to send a first task ID corresponding to a balance inquiry task of each of the transferred bank accounts to the enterprise-end front-end machine, where the enterprise-side front-end machine sends the first task to the enterprise-side front-end machine.
  • the ID is stored in a preset cache queue.
  • the above-mentioned first task ID is only an identifier, which uniquely corresponds to the balance inquiry task, and the first task ID does not have a task content to prevent the message of the balance inquiry task from being directly placed in
  • the front-end of the enterprise side affects the running space of the front-end of the enterprise side and reduces its operating speed. Because the enterprise-end front-end unit of this application can be connected to multiple bank-side front-end units, there will be many different tasks, and the packets of various tasks will be directly stacked in the front-end unit's cache, which will greatly reduce The operation efficiency of the front end of the enterprise side even crashed.
  • the preset cache queue generally includes a transaction cache queue and a query cache queue. Different cache queues store task IDs of corresponding attributes, and correspondingly set a transaction thread pool and a query thread pool.
  • the front end of the enterprise obtains the first task ID, it first determines the attributes of the first task ID.
  • the attributes include transaction attributes and query attributes. Because the first task ID belongs to the query class, it is placed in the query cache queue. in.
  • the tasks in the two cache queues are sorted according to priority. Each task will be set with a type identifier. The type identifier is divided into 1-8 levels. If it is 1, the highest level, which represents emergency tasks.
  • Priority processing can be based on presets. Pre-set rules, according to the specific request attached to the corresponding priority level, for example, the level of payment is higher than the level of query bank flow.
  • the first receiving module 102 is configured to receive a first task ID fed back by the enterprise-end front-end processor, and obtain a corresponding balance query task according to the first task ID.
  • the first task ID fed back by the front-end server of the enterprise refers to that if there is idle in the thread pool corresponding to the cache queue, the task is obtained from the cache queue. It is only the task ID, so the enterprise side will return the task ID to the application server, and the application server will generate or retrieve the corresponding task according to the task ID. In this application, when the task ID is the first task ID, the obtained task is the corresponding balance query task.
  • the query module 103 is configured to send a balance query task obtained according to the first task ID to the enterprise front-end processor, and send the balance query task to the corresponding bank front-end processor through the enterprise-end front processor. To query the account balance corresponding to the transfer bank account.
  • the configuration information will include the number of the bank front-end machine corresponding to the transfer bank account and the corresponding bank server. IP and other information are all configured and sent to the application server corresponding to the enterprise-end front-end processor when the enterprise-end front-end processor is installed. The above application server will automatically write this information into the task according to the request, so that the front end of the enterprise side can connect to the corresponding front end of the bank.
  • the above-mentioned enterprise-side front-end machine After receiving the balance inquiry task, the above-mentioned enterprise-side front-end machine will first analyze the required information, such as the number of the bank-side front-end machine, the corresponding bank server IP, and transfer bank account, etc., and then send the balance inquiry task accurately to Corresponding bank front-end machine, the bank front-end machine forwards it to the bank server to obtain the final account balance.
  • the required information such as the number of the bank-side front-end machine, the corresponding bank server IP, and transfer bank account, etc.
  • the obtaining module 104 is configured to receive the account balance obtained by the bank front end by the enterprise front end.
  • an inquiry result is obtained--the account balance of the transfer bank account that requires financial transfer management.
  • the above-mentioned transfer unit 30 includes:
  • a second sending module 301 is configured to generate a financial transfer task according to the transfer rule, and send a second task ID corresponding to the financial transfer task to the enterprise-end front-end machine, where the enterprise-end front-end machine sends The second task ID is stored in a preset cache queue.
  • the above-mentioned second task ID is only an identifier that uniquely corresponds to the financial transfer task, and the second task ID does not have a task content, so as to prevent the message of the financial transfer task from being directly placed in
  • the front-end of the enterprise side affects the running space of the front-end of the enterprise side and reduces the running speed. Because the enterprise-end front-end unit of this application can be connected to multiple bank-side front-end units, there will be many different tasks, and the packets of various tasks will be directly stacked in the front-end unit's cache, which will greatly reduce The operation efficiency of the front end of the enterprise side even crashed.
  • the second task ID is an ID corresponding to a transaction task, so it will be stored in the above-mentioned transaction cache queue.
  • a second receiving module 302 is configured to receive a second task ID fed back by the enterprise-end front-end processor, and obtain a corresponding financial transfer task according to the second task ID.
  • the second task ID fed back by the enterprise-side front-end processor refers to that if there is idle in the thread pool corresponding to the cache queue, the task is obtained from the cache queue, and because the cache queue is at this time, It is only the task ID, so the enterprise side will send the task ID to the application server in advance, and the application server will generate or retrieve the corresponding task message according to the task ID.
  • the humanities obtained are corresponding financial transfer task messages.
  • a transfer module 303 configured to send a financial transfer task obtained according to the second task ID to the enterprise front-end processor, and send the financial transfer task to a corresponding bank front-end processor through the enterprise-end front processor, To complete the second bank account transfer to the first transfer bank account.
  • the configuration information will include the number of the bank-side front-end processor corresponding to the transfer bank account. , The corresponding bank server IP, the number of the bank-side front-end processor corresponding to the second bank account, the corresponding bank server IP, etc. These information are configured when the enterprise-end front-end is installed and sent to the enterprise-side front-end. Information in the corresponding application server. The above application server will automatically write this information into the task according to the request, so that the front end of the enterprise side can connect to the corresponding front end of the bank.
  • the above-mentioned enterprise-side front-end machine After receiving the financial transfer task, the above-mentioned enterprise-side front-end machine will first analyze the required information, such as the number of the bank-side front-end machine, the corresponding bank server IP, the transfer bank account, and the second bank account, etc., and then transfer the finance
  • the task message is accurately sent to the corresponding bank front-end, and the bank front-end is being forwarded to the bank server to complete the final transfer.
  • the bank server corresponding to the second bank account After the bank server corresponding to the second bank account has completed the transfer, it will return a result message to the enterprise front-end processor, and the enterprise front-end processor will feed it back to its corresponding application server.
  • the application server will be based on the enterprise's financial system. Configuration to choose whether to feed the results back into the financial system.
  • the above financial transfer method device further includes:
  • the heartbeat detection unit is configured to receive a heartbeat detection packet sent by the enterprise-end front-end unit, and detect a connection state with the enterprise-side front-end unit; if the connection state is disconnected, an alarm message is issued.
  • the enterprise front-end machine and the application server should be online for a long time, but because it is an electronic product, it will inevitably fail or upgrade. At this time, the enterprise front-end machine and the application server may lose the connection.
  • This method detects the connection status between the enterprise front end and the application server. When the connection between the two fails, an alarm message needs to be issued.
  • the bank-side front-end machine is sent to the bank's relevant management system by the bank-side front-end machine to inform the bank-side staff.
  • the bank-side staff can manually notify the corresponding staff of the enterprise-side that a disconnection failure has occurred.
  • the receiving and sending of the heartbeat detection packet can ensure that the financial personnel at the enterprise side know whether the front-end processor of the enterprise side and the application server are disconnected, so as to timely process things that should be directly completed by the bank and enterprise.
  • the above financial transfer device includes:
  • a judging unit configured to judge whether a UKey device corresponding to various types of banks is inserted into the front end of the enterprise
  • An alarm unit is configured to alarm if UKey equipment corresponding to various types of banks is not inserted into the front-end of the enterprise side.
  • the identifiers corresponding to the types of banks of the UKey devices inserted in each UKey interface are collected, and then the identifiers are compared with the identifiers representing various types of banks configured when the front-end processor of the enterprise is configured, If the collected logos completely cover the logos representing various types of banks configured when the enterprise-end front-end is configured, it is determined that UKey devices corresponding to various types of banks are inserted into the enterprise-end front-end, and subsequent steps such as step S1 can be performed. If not, extract the type of bank corresponding to the uncovered logo and send it to the relevant personnel of the enterprise to report the alarm.
  • the relevant personnel of the enterprise can perform corresponding processing and forget the inserted UKey device or the insertion place will be loose. Re-insertion of UKey equipment caused by poor contact to ensure the interaction between the enterprise and the banks.
  • the above-mentioned financial transfer device further includes: a long connection unit, configured to perform task interaction with the enterprise-end front-end processor through a long connection.
  • the application server and the enterprise-end front end use the block input output (BIO) synchronous blocking mode for a long connection to complete task interaction.
  • BIO block input output
  • Different order return query tasks cannot be performed at the same time, so they need to be performed in accordance with the order of instructions.
  • One instruction can be executed before the next instruction can be executed. It cannot be executed asynchronously. Therefore, the BIO synchronous blocking mode is used in this application to enable the application server and the enterprise front-end processor. Make a long connection.
  • the above-mentioned financial transfer device further includes: a serialization unit, configured to exchange messages sent between the enterprise-end front-end processor and the application server through Protocol Buffers are serialized.
  • Protocol Buffers It is a lightweight and efficient structured data storage format, which can be used for serialization of structured data, or serialization. It is very suitable for data storage or RPC data exchange format. Language-independent, platform-independent, and extensible serialization structure data format that can be used in communication protocols, data storage, etc., simply The main advantages of Protobuf are: simple and fast. This application uses GOOGLE's Protocol Buffers for serialization, which can improve the efficiency of message packaging and sending.
  • the enterprise-end front-end machine can perform direct bank-enterprise functions with a plurality of different types of banks, multiple UKey interfaces are set on the enterprise-side front-end machine to ensure the integrity of each bank account.
  • Normal use when initiating a financial transfer task, there is no need to manually log in to a different transfer bank account to check its balance, nor to manually transfer to a transfer bank account that needs to be transferred, you can automatically query the balance of different transfer bank accounts, and then The balance of each transfer bank account determines which transfer bank accounts need to be transferred, and the transfer can be completed automatically, which greatly improves the efficiency of financial transfers and saves human resources. It only needs to be configured once. During the financial transfer process, No artificial errors such as output of account numbers will occur, making the process of financial transfer more accurate.
  • an embodiment of the present application further provides a computer device.
  • the computer device may be a server, and its internal structure may be as shown in FIG.
  • the computer device includes a processor, a memory, a network interface, and a database connected through a system bus.
  • the computer design processor is used to provide computing and control capabilities.
  • the memory of the computer device includes a non-volatile storage medium and an internal memory.
  • the non-volatile storage medium stores an operating system, computer-readable instructions, and a database.
  • the memory provides an environment for operating systems and computer-readable instructions in a non-volatile storage medium.
  • the database of the computer equipment is used to store financial transfer method programs and the like.
  • the network interface of the computer device is used to communicate with an external terminal through a network connection.
  • the computer-readable instructions are executed by a processor to implement a financial transfer method.
  • the processor executes the above-mentioned financial transfer method, and uses the enterprise-side front-end machine set on the enterprise side to exchange financial data with the bank side.
  • the enterprise-side front-end machine is provided with multiple UKey interfaces, and the enterprise-side front-end machine corresponds to multiple Each of the UKey interfaces is configured to complete financial data interaction with a plurality of bank-end front-end processors of different types of banks; the method includes: obtaining, through the enterprise-end front-end processor, a company-specific financial transfer management request The balance of multiple transfer bank accounts; determining whether the balance of each of the transfer bank accounts is less than the transfer threshold set for each of the transfer bank accounts; if there is a first transfer bank account with a balance less than the transfer threshold, the preset Transfer rules from the designated second bank account to the first transfer bank account.
  • the step of obtaining the balance of a plurality of transfer bank accounts designated by the enterprise end that requires financial transfer management through the enterprise-end front-end machine includes: sending to the enterprise-end front-end machine a target for each of the The first task ID corresponding to the balance inquiry task of the transferred bank account, wherein the enterprise-end front-end machine stores the first task ID into a preset buffer queue; and receives the feedback from the enterprise-side front-end machine.
  • a first task ID and obtain a corresponding balance query task according to the first task ID; send the balance query task obtained according to the first task ID to the enterprise-end front-end processor, and The balance query task is sent to a corresponding bank front-end machine to query an account balance corresponding to the transferred bank account; and receive the account balance obtained by the bank-end front-end machine from the enterprise-side front-end machine.
  • the step of transferring from the designated second bank account to the first transfer bank account according to a preset transfer rule includes: The transfer rule generates a financial transfer task, and sends a second task ID corresponding to the financial transfer task to the enterprise-side front-end machine, wherein the enterprise-side front-end machine stores the second task ID in the In a set buffer queue; receiving a second task ID fed back by the enterprise-end front-end processor, obtaining a corresponding financial transfer task according to the second task ID; and sending a financial transfer task obtained according to the second task ID to the The enterprise-end front-end machine sends the financial transfer task to the corresponding bank front-end machine through the enterprise-end front-end machine to complete the transfer of the second bank account to the first transfer bank account.
  • the above-mentioned financial transfer method further comprises: receiving a heartbeat detection packet sent by the enterprise-end front-end unit, and detecting a connection state with the enterprise-side front-end unit; and issuing an alarm if the connection state is disconnected information.
  • the method before the step of obtaining the balance of a plurality of transfer bank accounts designated by the enterprise side that requires financial transfer management through the enterprise-side front-end machine, the method includes: determining whether the corresponding front-end machine is inserted into the corresponding terminal. Type of bank's UKey device; if not, alarm
  • the above-mentioned financial transfer method further includes: performing task interaction with the enterprise-side front-end processor through a long connection.
  • the above-mentioned step of performing task interaction with the enterprise-side front-end unit through a long connection method includes: performing a long-term connection with the enterprise-side front-end unit through a BIO synchronous blocking mode to complete task interaction.
  • the enterprise-end front-end can perform bank-enterprise direct connection functions with a plurality of different types of banks
  • multiple UKey interfaces are set on the enterprise-end front-end to ensure the normality of each bank account.
  • Use when initiating a financial transfer task, there is no need to manually log in to a different transfer bank account to check its balance, or manually transfer to the transfer bank account that needs to be transferred, you can automatically query the balance of different transfer bank accounts, and then according to each The balance of the transferred bank account determines which transfer bank accounts need to be transferred, and the transfer can be completed automatically, which greatly improves the efficiency of financial transfers and saves human resources. It only needs to be configured once. During the financial transfer process, There will be artificial errors such as output of account numbers, making the process of financial transfer more accurate.
  • An embodiment of the present application further provides a computer non-volatile readable storage medium, which stores computer-readable instructions.
  • a financial transfer method is implemented, and an enterprise set by an enterprise is used.
  • the front-end processor performs financial data interaction with the bank.
  • the enterprise-end front-end processor is provided with multiple UKey interfaces.
  • the enterprise-end front-end processor is configured to correspond to multiple UKey interfaces and can be configured with multiple different bank types.
  • the bank-side front-end machine completes financial data interaction; the method includes: obtaining, through the enterprise-side front-end machine, the balances of a plurality of transfer bank accounts designated by the enterprise side that require financial transfer management; determining each of the transfer bank accounts Whether the balance is less than the transfer threshold set for each of the transfer bank accounts; if there is a first transfer bank account with a balance less than the transfer threshold, the designated second bank account is transferred to the first according to a preset transfer rule Transfer to a bank account.
  • the above-mentioned financial transfer method because the enterprise-end front-end can perform direct bank-enterprise functions with multiple different types of banks, so multiple UKey interfaces are set on the enterprise-end front-end to ensure the normal use of each bank account;
  • For financial transfer tasks there is no need to manually log in to different transfer bank accounts to check their balances or manually transfer to the transfer bank accounts that need to be transferred, and you can automatically query the balance of different transfer bank accounts, and then based on each transfer bank account Balance to determine which transfer bank account to transfer to, and the transfer can be completed automatically, which greatly improves the efficiency of financial transfers and saves human resources. It only needs to be configured once. During the financial transfer process, no artificial Errors such as outputting account numbers make the financial transfer process more accurate.
  • the step of obtaining the balance of a plurality of transfer bank accounts designated by the enterprise end that requires financial transfer management through the enterprise-end front-end machine includes: sending to the enterprise-end front-end machine a target for each of the The first task ID corresponding to the balance inquiry task of the transferred bank account, wherein the enterprise-end front-end machine stores the first task ID into a preset buffer queue; and receives the feedback from the enterprise-side front-end machine.
  • a first task ID and obtain a corresponding balance query task according to the first task ID; send the balance query task obtained according to the first task ID to the enterprise-end front-end processor, and The balance query task is sent to a corresponding bank front-end machine to query an account balance corresponding to the transferred bank account; and receive the account balance obtained by the bank-end front-end machine from the enterprise-side front-end machine.
  • the step of transferring from the designated second bank account to the first transfer bank account according to a preset transfer rule includes: The transfer rule generates a financial transfer task, and sends a second task ID corresponding to the financial transfer task to the enterprise-side front-end machine, wherein the enterprise-side front-end machine stores the second task ID in the In a set buffer queue; receiving a second task ID fed back by the enterprise-end front-end processor, obtaining a corresponding financial transfer task according to the second task ID; and sending a financial transfer task obtained according to the second task ID to the The enterprise-end front-end machine sends the financial transfer task to the corresponding bank front-end machine through the enterprise-end front-end machine to complete the transfer of the second bank account to the first transfer bank account.
  • the above-mentioned financial transfer method further comprises: receiving a heartbeat detection packet sent by the enterprise-end front-end unit, and detecting a connection state with the enterprise-side front-end unit; and issuing an alarm if the connection state is disconnected information.
  • the method before the step of obtaining the balance of a plurality of transfer bank accounts designated by the enterprise side that requires financial transfer management through the enterprise-side front-end machine, the method includes: determining whether the corresponding front-end machine is inserted into the corresponding terminal. Type of bank's UKey device; if not, alarm
  • the above-mentioned financial transfer method further includes: performing task interaction with the enterprise-side front-end processor through a long connection.
  • the above-mentioned step of performing task interaction with the enterprise-side front-end unit through a long connection method includes: performing a long-term connection with the enterprise-side front-end unit through a BIO synchronous blocking mode to complete task interaction.
  • Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual-speed data rate SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

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Abstract

一种财务调拨方法、装置、计算机设备和存储介质，企业端前置机能够与多个不同种类的银行进行银企直联功能，在企业端前置机上设置多个UKey接口，保证各个银行账户的正常使用；发起财务调拨任务，无需手动地登录不同的调拨银行账户查询其余额，无需手动地向需要转账的调拨银行账户进行转账，提高了财务调拨的效率。

Description

财务调拨方法、装置、计算机设备和存储介质
本申请要求于2018年7月2日提交中国专利局、申请号为2018107086815，申请名称为“财务调拨方法、装置、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
本申请涉及到计算机领域，特别是涉及到一种财务调拨方法、装置、计算机设备和存储介质。
 背景技术
传统的企业端前置机，每一个企业端前置机智能与一个银行对接，当进行财务调拨时，针对一个银行账户操作完成之后需要另外换一个企业端前置机，每次财务调拨需要登录多个银行的账户进行操作，进而需要跟换不同的企业端前置机，操作繁琐。
 技术问题
本申请的主要目的为提供快速实现财务调拨的财务调拨方法、装置、计算机设备和存储介质。
 技术解决方案
为了实现上述发明目的，本申请提出一种财务调拨方法，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述方法，包括：
通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；
判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；
如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
本申请还提供一种财务调拨装置，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述装置，包括：
获取单元，用于通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；
判断单元，判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；
调拨单元，用于如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
本申请还提供一种计算机设备，包括存储器和处理器，所述存储器存储有计算机可读指令，所述处理器执行所述计算机可读指令时实现上述任一项所述方法的步骤。
本申请还提供一种计算机非易失性可读存储介质，其上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上述所述的方法的步骤。
 有益效果
本申请的财务调拨方法、装置、计算机设备和存储介质，因为企业端前置机能够与多个不同种类的银行进行银企直联功能，所以在企业端前置机上设置了多个UKey接口，以保证各个银行账户的正常使用；发起财务调拨任务时，无需手动地登录不同的调拨银行账户查询其余额，也无需手动地向需要转账的调拨银行账户进行转账，即可以自动查询不同的调拨银行账户的余额，然后根据各调拨银行账户的余额判断出需要向哪些调拨银行账户进行转账，并且可以自动完成转账，大大地提高了财务调拨的效率，节约人力资源，而且只需要配置一次即可，在财务调拨过程中，不会出现人为的如输出账号等错误，使财务调拨的过程更加准确。
 附图说明
图1 为本发明一实施例的财务调拨方法的流程示意图；
图2 为本发明一实施例的上述财务调拨方法中步骤S1的具体流程示意图；
图3 为本发明一实施例的上述财务调拨方法中步骤S3的具体流程示意图；
图4 为本发明一实施例的财务调拨装置的结构示意框图；
图5 为本发明一实施例的获取单元的结构示意框图；
图6 为本发明一实施例的调拨单元的结构示意框图；
图7 为本发明一实施例的计算机设备的结构示意框图。
 本发明的最佳实施方式
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。
参照图1，本申请实施例提供一种财务调拨方法，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互。
上述的企业端前置机是指设置在企业端的前置机，是企业端财务系统与银行端进行银企直联时的中间设备。上述企业端前置机被配置为可以与多个不同银行种类的银行端前置机完成数据交互，配置过程为，当企业安装企业端前置机时，企业端前置机有一个管理员界面，在预设的界面内输入指定的配置信息，该配置信息包括企业ID、企业端前置机编号、银行服务器IP、银行端口、银行的银企直联编号、银行端前置机的版本号，银行大类等企业财务系统与银行完成银企直联的必要参数，还会配置线程数大小配置等，以实现多线程任务的处理；然后将配置结果发送给企业端前置机对应的应用服务器。也就是，配置申请通过的银企直联的账号及其相关信息，当企业需要登录各银企直联的账户获取在其对应银行的数据时（交易数据、查询数据等），只需要在企业端前置机上插入对应的UKey（一种通过USB直接与计算机相连、具有密码验证功能、可靠高速的小型存储设备）即可，实现一个企业端前置机与多个不同类银行的银行端前置机连接，企业统一集中管理用户的银行UKey，无需做银行的切换操作。通过企业端前置机可以方便地获取企业的每个银企直联账户的账户信息、交易流水信息、余额信息，并且可以进行相关的支付、归集、调拨等相关操作。上述银行大类是指不同的银行，比如工商银行与建设银行属于两个不同的银行大类等，即使用不同前置机的银行被认为是不同的银行大类。
上述方法，包括：
S1、通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额。
在上述步骤S1中，在步骤S1中，企业端会设置有安装对应上述企业端前置机的财务系统，企业财务人员会在财务系统上发起财务调拨的命令给与企业端前置机对应的应用服务器，应用服务器再发起财务调拨的命令，或者是应用服务器根据财务系统设置的预设时间间隔自动发起财务调拨的命令。本申请中，由于企业端前置机可以实现与多个配置过的银行的银行前置机保持连接，并进行数据交互，所以在查询需要财务调拨管理的银行账户的余额时，无需手动地登录不同的银行账户查询，而是通过财务系统即可以完成，当然，前提条件是，企业端前置机上插接有对应银行的UKey。在一具体实施例中，需要财务调拨管理的调拨银行账户包括两个，分别是A银行的调拨银行账户A，以及B银行的调拨银行账户B，其中A银行和 B银行不是同类银行（即A银行的银行前置机和B银行的银行前置机标准不同），无需先将调拨银行账户A对应的UKey插入到企业端前置机中，然后登录调拨银行账户A查询其余额，然后拔掉调拨银行账户A对应的UKey,插入调拨银行账户B对应的UKey，然后登录调拨银行账户B查询其余额，而是同时将调拨银行账户A对应的UKey和调拨银行账户B对应的UKey插入到上述企业端前置机，通过上述财务系统机直接完成财务调拨，方便、快速，释放人力资源。
S2、判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值。
在上述步骤S2中，不同的调拨银行账户的调拨阈值可以相同，也可以不同，比如，第一账户的调拨阈值为100万人民币，第二账户的调拨阈值为500万人民币等。本实施例中，会将获取到的各调拨银行账户对应的余额，与其对应的调拨阈值进行比较，这样，会出现有的调拨银行账户需要调拨，有的则不需要进行调拨。此时，会将需要调拨的调拨银行账户整理出来，比如放入一个预设的转账数据列表中，以便于后续的银行转账等。
S3、如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
在上述步骤S3中，上述预设规则包括多种，比如，余额小于调拨阈值X，则直接从第二银行账户转账X到对应的第一调拨银行账户；又比如，无论余额小于调拨阈值多少，都会从第二银行账户转账一个固定金额到第一调拨账户银行等。上述第二银行账户一般为固定账户，如企业设置的一个调拨总账户，定期向这个总账户转入金钱，然后，当需要财务调拨管理的调拨银行账户成为上述的第一调拨银行账户时，即会从这个总账户向第一调拨银行账户转账，以实现财务调拨。
参照图2，在一个实施例中，上述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤S1，包括：
S101、向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中。
在上述步骤S101中，上述的第一任务ID只是一个标识，该标识唯一对应所述余额查询任务，第一任务ID并没有任务内容，以防止将余额查询任务的报文直接放到企业端前置机中，影响企业端前置机的运行空间，而降低其运行速度。因为本申请的企业端前置机可以连接多个银行端前置机，所以各种不同的任务会较多，直接将各种任务的报文堆积到前置机的缓存中，会大大地降低企业端前置机的运行效率，甚至崩溃。本申请中，只放入第一任务ID，则大大地降低了企业端前置机的缓存空间的要求，提高运行环境质量。本实施例中，预设的缓存队列一般包括交易缓存队列和查询缓存队列，不同的缓存队列存放对应属性的任务ID，对应的设置交易线程池和查询线程池。企业端前置机在获取到第一任务ID时，先判断所述第一任务ID的属性，其中属性包括交易属性、查询属性，因为第一任务ID属于查询类，则放入到查询缓存队列中。两个缓存队列中的任务按优先级进行排序，每个任务会设置有一个类型标识，类型标识分为1-8个级别，为1的话等级最高，代表紧急任务，优先处理，可以根据预设预设规则，根据具体请求附加对应的优先级别，比如，支付的级别高于查询银行流水的级别等。
S102、接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务。
在上述步骤S102中，上述企业端前置机反馈的第一任务ID是指，对应上述缓存队列的线程池中有空闲，则到缓存队列中获取任务，又因为此时缓存队列中只是任务ID，所以企业端前置机会将任务ID返回给上述应用服务器，应用服务器会根据任务ID生成或调取对应的任务。本申请中，当任务ID为第一任务ID时，得到的任务即为对应的余额查询任务。
S103、发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额。
在步骤S103中，因为上述余额查询任务是有针对需要财务调拨管理的调拨银行账户的，那么配置信息中会包含有该调拨银行账户对应的银行端前置机的编号、对应的银行服务器IP等，这些信息都是在安装企业端前置机时配置好并发给企业端前置机对应的应用服务器中的信息。上述应用服务器会根据请求自动将这些信息写入到任务中，以便于企业端前置机连接对应的银行端前置机。上述企业端前置机接收到余额查询任务后，会先解析出需要的信息，如银行端前置机的编号、对应的银行服务器IP、调拨银行账户等，然后将余额查询任务准确地发送给对应的银行前置机，银行前置机再进行转发给银行服务器，以获取到最后的账户余额。
S104、接收所述企业端前置机由所述银行前置机获取的所述账户余额。
在上述步骤S104中，获取到查询结果--需要财务调拨管理的调拨银行账户的账户余额。
参照图3，在一个实施例中，上述如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账的步骤S3，包括：
S301、根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中。
在上述步骤S301所述，上述的第二任务ID只是一个标识，该标识唯一对应所述财务调拨任务，第二任务ID并没有任务内容，以防止将财务调拨任务的报文直接放到企业端前置机中，影响企业端前置机的运行空间，而降低运行速度。因为本申请的企业端前置机可以连接多个银行端前置机，所以各种不同的任务会较多，直接将各种任务的报文堆积到前置机的缓存中，会大大地降低企业端前置机的运行效率，甚至崩溃。本申请中，只放入第二任务ID，则大大地降低了企业端前置机的缓存空间的要求，提高运行环境质量。本申请中，第二任务ID是一种交易类任务对应的ID，所以其会存储到上述的交易缓存队列中。
S302、接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务。
在上述步骤S302中，上述企业端前置机反馈的第二任务ID是指，对应上述缓存队列的线程池中有空闲，则到缓存队列中获取任务，又因为此时缓存队列中只是任务ID，所以企业端前置机会将任务ID返回给上述应用服务器，应用服务器会根据任务ID生成或调取对应的任务报文。本申请中，当任务ID为第二任务ID时，得到的人文即为对应的财务调拨任务报文。
S303、发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
在上述步骤S303中，因为上述财务调拨任务是有针对需要财务调拨管理的调拨银行账户和第二银行账户的，那么配置信息中会包含有该调拨银行账户对应的银行端前置机的编号、对应的银行服务器IP，以及第二银行账户对应的银行端前置机的编号、对应的银行服务器IP等，这些信息都是在安装企业端前置机时配置好并发给企业端前置机对应的应用服务器中的信息。上述应用服务器会根据请求自动将这些信息写入到任务中，以便于企业端前置机连接对应的银行端前置机。上述企业端前置机接收到财务调拨任务后，会先解析出需要的信息，如银行端前置机的编号、对应的银行服务器IP、调拨银行账户、第二银行账户等，然后将财务调拨任务报文准确地发送给对应的银行前置机，银行前置机在进行转发给银行服务器，以完成最后的转账。第二银行账户对应的银行服务器转账完毕后，会返回一个结果报文给企业端前置机，企业端前置机则会将其反馈给其对应的应用服务器，应用服务器会根据企业的财务系统的配置而选择是否将该结果反馈到财务系统中。
在一个实施例中，上述财务调拨方法方法还包括：
接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；若连接状态为断开，则发出警报信息。
理论上，企业端前置机和应用服务器应该长期在线，但是因为是电子产品，难免会出现故障或者升级等处理，此时企业端前置机与应用服务器可能断掉连接，那么通过心跳检测的方式检测企业端前置机和应用服务器的连接状态，当两者连接失败，则需要发出警报信息。发出警报信息包括两种，第一种，发送邮件等信息给企业的相关人员，和/或发送给提供企业端前置机的第三方的相关人员；第二种，发送指定的信息给与其连接的银行端前置机，并由银行端前置机发送给银行的相关管理系统，以告知银行端的工作人员，银行端的工作人员可以人工告知企业端相应人员发生了断连接的故障等。上述接收发送心跳检测包，可以保障企业端的财务人员了解企业端前置机和应用服务器是否断开连接，从而及时处理原本需要银企直联完成的事物。
在一个实施例中，上述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤S1之前，包括：
S11、判断所述企业端前置机上是否插入对应各种类银行的UKey设备；
S12、若否，则报警。
在上述步骤S11和S12中，采集各UKey接口插入的UKey设备的对应其银行种类的标识，然后将所述标识与配置企业端前置机时配置的代表各类银行的标识进行比对，如果采集到的各标识全面覆盖配置企业端前置机时配置的代表各类银行的标识时，则判定企业端前置机上插入对应各种类银行的UKey设备，可以执行后续如步骤S1等步骤，否者，将未被覆盖的标识对应的银行种类提取出来，并发送给企业的相关人员以报警，此时企业的相关人员可以进行相应的处理，将忘记插入的UKey设备或插入处松动而导致UKey设备接触不良的重新插入等，以保证企业与各银行之间的交互。在另一实施例中，还可以判断获取到的UKey设备的标识与配置企业端前置机时配置的代表各类银行的标识（不重复）的数量是否相同，因为一个银行只会发一个UKey给企业，所以当数量相同时候，基本可以判定企业端前置机上插入对应各种类银行的UKey设备，此种判断方法虽然存在缺陷，但是判断速度会更快。
在一个实施例中，上述财务调拨方法还包括：通过长连接的方式与所述企业端前置机进行任务交互。
因为向企业端前置机发送的任务或接收的任务可能是连续的，所以使用长连接的方式监听服务，使每个操作完后都不断开，下次处理时直接发送数据包就可以，不用建立TCP（Transmission Control Protocol 传输控制协议）连接，以保持处理任务的效率。本实施例中，应用服务器与企业端前置机采用BIO（block input output）同步阻塞模式进行长连接，以完成任务交互。不同的回单查询任务不能够同时进行，所以需要按照指令顺序进行，一个指令执行完才能执行下一个指令，不能异步执行，所以本申请中采用BIO同步阻塞模式使应用服务器与企业端前置机进行长连接。
在一个实施例中，上述企业端前置机与应用服务器相互发送的报文，采用Protocol Buffers进行序列化。
Protocol Buffers 是一种轻便高效的结构化数据存储格式，可以用于结构化数据串行化，或者说序列化。它很适合做数据存储或 RPC 数据交换格式。可用于通讯协议、数据存储等领域的语言无关、平台无关、可扩展的序列化结构数据格式，简单说来 Protobuf 的主要优点就是：简单，快。本申请采用GOOGLE（谷歌）的Protocol Buffers进行序列化，可以提高报文封装和发送的效率。
本申请实施例的财务调拨方法，因为企业端前置机能够与多个不同种类的银行进行银企直联功能，所以在企业端前置机上设置了多个UKey接口，以保证各个银行账户的正常使用；发起财务调拨任务时，无需手动地登录不同的调拨银行账户查询其余额，也无需手动地向需要转账的调拨银行账户进行转账，即可以自动查询不同的调拨银行账户的余额，然后根据各调拨银行账户的余额判断出需要向哪些调拨银行账户进行转账，并且可以自动完成转账，大大地提高了财务调拨的效率，节约人力资源，而且只需要配置一次即可，在财务调拨过程中，不会出现人为的如输出账号等错误，使财务调拨的过程更加准确。
参照图4，本申请实施例提供一种财务调拨装置，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互。
上述的企业端前置机是指设置在企业端的前置机，是企业端财务系统与银行端进行银企直联时的中间设备。上述企业端前置机被配置为可以与多个不同银行种类的银行端前置机完成数据交互，配置过程为，当企业安装企业端前置机时，企业端前置机有一个管理员界面，在预设的界面内输入指定的配置信息，该配置信息包括企业ID、企业端前置机编号、银行服务器IP、银行端口、银行的银企直联编号、银行端前置机的版本号，银行大类等企业财务系统与银行完成银企直联的必要参数，还会配置线程数大小配置等，以实现多线程任务的处理；然后将配置结果发送给企业端前置机对应的应用服务器。也就是，配置申请通过的银企直联的账号及其相关信息，当企业需要登录各银企直联的账户获取在其对应银行的数据时（交易数据、查询数据等），只需要在企业端前置机上插入对应的UKey（一种通过USB直接与计算机相连、具有密码验证功能、可靠高速的小型存储设备）即可，实现一个企业端前置机与多个不同类银行的银行端前置机连接，企业统一集中管理用户的银行UKey，无需做银行的切换操作。通过企业端前置机可以方便地获取企业的每个银企直联账户的账户信息、交易流水信息、余额信息，并且可以进行相关的支付、归集、调拨等相关操作。上述银行大类是指不同的银行，比如工商银行与建设银行属于两个不同的银行大类等，即使用不同前置机的银行被认为是不同的银行大类。
上述装置，包括：
获取单元10，用于通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额。
在上述获取单元10中，企业端会设置有安装对应上述企业端前置机的财务系统，企业财务人员会在财务系统上发起财务调拨的命令给与企业端前置机对应的应用服务器，应用服务器再发起财务调拨的命令，或者是应用服务器根据财务系统设置的预设时间间隔自动发起财务调拨的命令。本申请中，由于企业端前置机可以实现与多个配置过的银行的银行前置机保持连接，并进行数据交互，所以在查询需要财务调拨管理的银行账户的余额时，无需手动地登录不同的银行账户查询，而是通过财务系统即可以完成，当然，前提条件是，企业端前置机上插接有对应银行的UKey。在一具体实施例中，需要财务调拨管理的调拨银行账户包括两个，分别是A银行的调拨银行账户A，以及B银行的调拨银行账户B，其中A银行和 B银行不是同类银行（即A银行的银行前置机和B银行的银行前置机标准不同），无需先将调拨银行账户A对应的UKey插入到企业端前置机中，然后登录调拨银行账户A查询其余额，然后拔掉调拨银行账户A对应的UKey,插入调拨银行账户B对应的UKey，然后登录调拨银行账户B查询其余额，而是同时将调拨银行账户A对应的UKey和调拨银行账户B对应的UKey插入到上述企业端前置机，通过上述财务系统机直接完成财务调拨，方便、快速，释放人力资源。
判断单元20，用于判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值。
在上述判断单元20中，不同的调拨银行账户的调拨阈值可以相同，也可以不同，比如，第一账户的调拨阈值为100万人民币，第二账户的调拨阈值为500万人民币等。本实施例中，会将获取到的各调拨银行账户对应的余额，与其对应的调拨阈值进行比较，这样，会出现有的调拨银行账户需要调拨，有的则不需要进行调拨。此时，会将需要调拨的调拨银行账户整理出来，比如放入一个预设的转账数据列表中，以便于后续的银行转账等。
调拨单元30，用于如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
在上述调拨单元30中，上述预设规则包括多种，比如，余额小于调拨阈值X，则直接从第二银行账户转账X到对应的第一调拨银行账户；又比如，无论余额小于调拨阈值多少，都会从第二银行账户转账一个固定金额到第一调拨账户银行等。上述第二银行账户一般为固定账户，如企业设置的一个调拨总账户，定期向这个总账户转入金钱，然后，当需要财务调拨管理的调拨银行账户成为上述的第一调拨银行账户时，即会从这个总账户向第一调拨银行账户转账，以实现财务调拨。
参照图5，在一个实施例中，上述获取单元10，包括：
第一发送模块101，用于向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中。
在上述第一发送模块101中，上述的第一任务ID只是一个标识，该标识唯一对应所述余额查询任务，第一任务ID并没有任务内容，以防止将余额查询任务的报文直接放到企业端前置机中，影响企业端前置机的运行空间，而降低其运行速度。因为本申请的企业端前置机可以连接多个银行端前置机，所以各种不同的任务会较多，直接将各种任务的报文堆积到前置机的缓存中，会大大地降低企业端前置机的运行效率，甚至崩溃。本申请中，只放入第一任务ID，则大大地降低了企业端前置机的缓存空间的要求，提高运行环境质量。本实施例中，预设的缓存队列一般包括交易缓存队列和查询缓存队列，不同的缓存队列存放对应属性的任务ID，对应的设置交易线程池和查询线程池。企业端前置机在获取到第一任务ID时，先判断所述第一任务ID的属性，其中属性包括交易属性、查询属性，因为第一任务ID属于查询类，则放入到查询缓存队列中。两个缓存队列中的任务按优先级进行排序，每个任务会设置有一个类型标识，类型标识分为1-8个级别，为1的话等级最高，代表紧急任务，优先处理，可以根据预设预设规则，根据具体请求附加对应的优先级别，比如，支付的级别高于查询银行流水的级别等。
第一接收模块102，用于接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务。
在上述第一接收模块102中，上述企业端前置机反馈的第一任务ID是指，对应上述缓存队列的线程池中有空闲，则到缓存队列中获取任务，又因为此时缓存队列中只是任务ID，所以企业端前置机会将任务ID返回给上述应用服务器，应用服务器会根据任务ID生成或调取对应的任务。本申请中，当任务ID为第一任务ID时，得到的任务即为对应的余额查询任务。
查询模块103，用于发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额。
在上述查询模块103中，因为上述余额查询任务是有针对需要财务调拨管理的调拨银行账户的，那么配置信息中会包含有该调拨银行账户对应的银行端前置机的编号、对应的银行服务器IP等，这些信息都是在安装企业端前置机时配置好并发给企业端前置机对应的应用服务器中的信息。上述应用服务器会根据请求自动将这些信息写入到任务中，以便于企业端前置机连接对应的银行端前置机。上述企业端前置机接收到余额查询任务后，会先解析出需要的信息，如银行端前置机的编号、对应的银行服务器IP、调拨银行账户等，然后将余额查询任务准确地发送给对应的银行前置机，银行前置机再进行转发给银行服务器，以获取到最后的账户余额。
获取模块104，用于接收所述企业端前置机由所述银行前置机获取的所述账户余额。
在上述获取模块104中，获取到查询结果--需要财务调拨管理的调拨银行账户的账户余额。
参照图6，在一个实施例中，上述调拨单元30，包括：
第二发送模块301，用于根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中。
在上述第二发送模块301中，上述的第二任务ID只是一个标识，该标识唯一对应所述财务调拨任务，第二任务ID并没有任务内容，以防止将财务调拨任务的报文直接放到企业端前置机中，影响企业端前置机的运行空间，而降低运行速度。因为本申请的企业端前置机可以连接多个银行端前置机，所以各种不同的任务会较多，直接将各种任务的报文堆积到前置机的缓存中，会大大地降低企业端前置机的运行效率，甚至崩溃。本申请中，只放入第二任务ID，则大大地降低了企业端前置机的缓存空间的要求，提高运行环境质量。本申请中，第二任务ID是一种交易类任务对应的ID，所以其会存储到上述的交易缓存队列中。
第二接收模块302，用于接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务。
在上述第二接收模块302中，上述企业端前置机反馈的第二任务ID是指，对应上述缓存队列的线程池中有空闲，则到缓存队列中获取任务，又因为此时缓存队列中只是任务ID，所以企业端前置机会将任务ID返回给上述应用服务器，应用服务器会根据任务ID生成或调取对应的任务报文。本申请中，当任务ID为第二任务ID时，得到的人文即为对应的财务调拨任务报文。
调拨模块303，用于发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
在上述调拨模块303中，因为上述财务调拨任务是有针对需要财务调拨管理的调拨银行账户和第二银行账户的，那么配置信息中会包含有该调拨银行账户对应的银行端前置机的编号、对应的银行服务器IP，以及第二银行账户对应的银行端前置机的编号、对应的银行服务器IP等，这些信息都是在安装企业端前置机时配置好并发给企业端前置机对应的应用服务器中的信息。上述应用服务器会根据请求自动将这些信息写入到任务中，以便于企业端前置机连接对应的银行端前置机。上述企业端前置机接收到财务调拨任务后，会先解析出需要的信息，如银行端前置机的编号、对应的银行服务器IP、调拨银行账户、第二银行账户等，然后将财务调拨任务报文准确地发送给对应的银行前置机，银行前置机在进行转发给银行服务器，以完成最后的转账。第二银行账户对应的银行服务器转账完毕后，会返回一个结果报文给企业端前置机，企业端前置机则会将其反馈给其对应的应用服务器，应用服务器会根据企业的财务系统的配置而选择是否将该结果反馈到财务系统中。
在一个实施例中，上述财务调拨方法装置还包括：
心跳检测单元，用于接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；若连接状态为断开，则发出警报信息。
理论上，企业端前置机和应用服务器应该长期在线，但是因为是电子产品，难免会出现故障或者升级等处理，此时企业端前置机与应用服务器可能断掉连接，那么通过心跳检测的方式检测企业端前置机和应用服务器的连接状态，当两者连接失败，则需要发出警报信息。发出警报信息包括两种，第一种，发送邮件等信息给企业的相关人员，和/或发送给提供企业端前置机的第三方的相关人员；第二种，发送指定的信息给与其连接的银行端前置机，并由银行端前置机发送给银行的相关管理系统，以告知银行端的工作人员，银行端的工作人员可以人工告知企业端相应人员发生了断连接的故障等。上述接收发送心跳检测包，可以保障企业端的财务人员了解企业端前置机和应用服务器是否断开连接，从而及时处理原本需要银企直联完成的事物。
在一个实施例中，上述财务调拨装置，包括：
判断单元，用于判断所述企业端前置机上是否插入对应各种类银行的UKey设备；
报警单元，用于若所述企业端前置机上未插入对应各种类银行的UKey设备，则报警。
在上述判断单元和报警单元中，采集各UKey接口插入的UKey设备的对应其银行种类的标识，然后将所述标识与配置企业端前置机时配置的代表各类银行的标识进行比对，如果采集到的各标识全面覆盖配置企业端前置机时配置的代表各类银行的标识时，则判定企业端前置机上插入对应各种类银行的UKey设备，可以执行后续如步骤S1等步骤，否者，将未被覆盖的标识对应的银行种类提取出来，并发送给企业的相关人员以报警，此时企业的相关人员可以进行相应的处理，将忘记插入的UKey设备或插入处松动而导致UKey设备接触不良的重新插入等，以保证企业与各银行之间的交互。在另一实施例中，还可以判断获取到的UKey设备的标识与配置企业端前置机时配置的代表各类银行的标识（不重复）的数量是否相同，因为一个银行只会发一个UKey给企业，所以当数量相同时候，基本可以判定企业端前置机上插入对应各种类银行的UKey设备，此种判断方法虽然存在缺陷，但是判断速度会更快。
在一个实施例中，上述财务调拨装置还包括：长连接单元，用于通过长连接的方式与所述企业端前置机进行任务交互。
因为向企业端前置机发送的任务或接收的任务可能是连续的，所以使用长连接的方式监听服务，使每个操作完后都不断开，下次处理时直接发送数据包就可以，不用建立TCP（Transmission Control Protocol 传输控制协议）连接，以保持处理任务的效率。本实施例中，应用服务器与企业端前置机采用BIO（block input output）同步阻塞模式进行长连接，以完成任务交互。不同的回单查询任务不能够同时进行，所以需要按照指令顺序进行，一个指令执行完才能执行下一个指令，不能异步执行，所以本申请中采用BIO同步阻塞模式使应用服务器与企业端前置机进行长连接。
在一个实施例中，上述财务调拨装置还包括：序列化单元，用于将企业端前置机与应用服务器相互发送的报文，通过Protocol Buffers进行序列化。
Protocol Buffers 是一种轻便高效的结构化数据存储格式，可以用于结构化数据串行化，或者说序列化。它很适合做数据存储或 RPC 数据交换格式。可用于通讯协议、数据存储等领域的语言无关、平台无关、可扩展的序列化结构数据格式，简单说来 Protobuf 的主要优点就是：简单，快。本申请采用GOOGLE（谷歌）的Protocol Buffers进行序列化，可以提高报文封装和发送的效率。
本申请实施例的财务调拨装置，因为企业端前置机能够与多个不同种类的银行进行银企直联功能，所以在企业端前置机上设置了多个UKey接口，以保证各个银行账户的正常使用；发起财务调拨任务时，无需手动地登录不同的调拨银行账户查询其余额，也无需手动地向需要转账的调拨银行账户进行转账，即可以自动查询不同的调拨银行账户的余额，然后根据各调拨银行账户的余额判断出需要向哪些调拨银行账户进行转账，并且可以自动完成转账，大大地提高了财务调拨的效率，节约人力资源，而且只需要配置一次即可，在财务调拨过程中，不会出现人为的如输出账号等错误，使财务调拨的过程更加准确。
参照图7，本申请实施例中还提供一种计算机设备，该计算机设备可以是服务器，其内部结构可以如图7所示。该计算机设备包括通过系统总线连接的处理器、存储器、网络接口和数据库。其中，该计算机设计的处理器用于提供计算和控制能力。该计算机设备的存储器包括非易失性存储介质、内存储器。该非易失性存储介质存储有操作系统、计算机可读指令和数据库。该内存器为非易失性存储介质中的操作系统和计算机可读指令的运行提供环境。该计算机设备的数据库用于存储财务调拨方法程序等。该计算机设备的网络接口用于与外部的终端通过网络连接通信。该计算机可读指令被处理器执行时以实现一种财务调拨方法。
上述处理器执行上述财务调拨方法，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述方法，包括：通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
在一个实施例中，上述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤，包括：向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中；接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务；发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额；接收所述企业端前置机由所述银行前置机获取的所述账户余额。
在一个实施例中，上述如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账的步骤，包括：根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中；接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务；发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
在一个实施例中，上述财务调拨方法还包括：接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；若连接状态为断开，则发出警报信息。
在一个实施例中，上述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤之前，包括：判断所述企业端前置机上是否插入对应各种类银行的UKey设备；若否，则报警
在一个实施例中，上述财务调拨方法还包括：通过长连接的方式与所述企业端前置机进行任务交互。
在一个实施例中，上述通过长连接的方式与所述企业端前置机进行任务交互的步骤，包括：通过BIO同步阻塞模式与企业端前置机进行长连接，以完成任务交互。
本申请实施例的计算机设备，因为企业端前置机能够与多个不同种类的银行进行银企直联功能，所以在企业端前置机上设置了多个UKey接口，以保证各个银行账户的正常使用；发起财务调拨任务时，无需手动地登录不同的调拨银行账户查询其余额，也无需手动地向需要转账的调拨银行账户进行转账，即可以自动查询不同的调拨银行账户的余额，然后根据各调拨银行账户的余额判断出需要向哪些调拨银行账户进行转账，并且可以自动完成转账，大大地提高了财务调拨的效率，节约人力资源，而且只需要配置一次即可，在财务调拨过程中，不会出现人为的如输出账号等错误，使财务调拨的过程更加准确。
本申请一实施例还提供一种计算机非易失性可读存储介质，其上存储有计算机可读指令，计算机可读指令被处理器执行时实现一种财务调拨方法，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述方法，包括：通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
上述财务调拨方法，因为企业端前置机能够与多个不同种类的银行进行银企直联功能，所以在企业端前置机上设置了多个UKey接口，以保证各个银行账户的正常使用；发起财务调拨任务时，无需手动地登录不同的调拨银行账户查询其余额，也无需手动地向需要转账的调拨银行账户进行转账，即可以自动查询不同的调拨银行账户的余额，然后根据各调拨银行账户的余额判断出需要向哪些调拨银行账户进行转账，并且可以自动完成转账，大大地提高了财务调拨的效率，节约人力资源，而且只需要配置一次即可，在财务调拨过程中，不会出现人为的如输出账号等错误，使财务调拨的过程更加准确。
在一个实施例中，上述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤，包括：向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中；接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务；发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额；接收所述企业端前置机由所述银行前置机获取的所述账户余额。
在一个实施例中，上述如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账的步骤，包括：根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中；接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务；发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
在一个实施例中，上述财务调拨方法还包括：接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；若连接状态为断开，则发出警报信息。
在一个实施例中，上述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤之前，包括：判断所述企业端前置机上是否插入对应各种类银行的UKey设备；若否，则报警
在一个实施例中，上述财务调拨方法还包括：通过长连接的方式与所述企业端前置机进行任务交互。
在一个实施例中，上述通过长连接的方式与所述企业端前置机进行任务交互的步骤，包括：通过BIO同步阻塞模式与企业端前置机进行长连接，以完成任务交互。
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，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流程。其中，本申请所提供的和实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可以包括只读存储器（ROM）、可编程ROM（PROM）、电可编程ROM（EPROM）、电可擦除可编程ROM（EEPROM）或闪存。易失性存储器可包括随机存取存储器（RAM）或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM（SRAM）、动态RAM（DRAM）、同步DRAM（SDRAM）、双速据率SDRAM（SSRSDRAM）、增强型SDRAM（ESDRAM）、同步链路（Synchlink）DRAM（SLDRAM）、存储器总线（Rambus）直接RAM（RDRAM）、直接存储器总线动态RAM（DRDRAM）、以及存储器总线动态RAM（RDRAM）等。
以上所述仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种财务调拨方法，其特征在于，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述方法，包括：
    通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；
    判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；
    如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
  2. 根据权利要求1所述的财务调拨方法，其特征在于，所述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤，包括：
    向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中；
    接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务；
    发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额；
    接收所述企业端前置机由所述银行前置机获取的所述账户余额。
  3. 根据权利要求1所述的财务调拨方法，其特征在于，所述如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账的步骤，包括：
    根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中；
    接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务；
    发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
  4. 根据权利要求1所述的财务调拨方法，其特征在于，所述方法还包括：
    接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；
    若连接状态为断开，则发出警报信息。
  5. 根据权利要求1所述的财务调拨方法，其特征在于，所述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤之前，包括：
    判断所述企业端前置机上是否插入对应各种类银行的UKey设备；
    若否，则报警。
  6. 根据权利要求1所述的财务调拨方法，其特征在于，所述方法还包括：
    通过长连接的方式与所述企业端前置机进行任务交互。
  7. 根据权利要求6所述的财务调拨方法，其特征在于，所述通过长连接的方式与所述企业端前置机进行任务交互的步骤，包括：
    通过BIO同步阻塞模式与企业端前置机进行长连接，以完成任务交互。
  8. 一种财务调拨装置，其特征在于，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述装置，包括：
    获取单元，用于通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；
    判断单元，用于判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；
    调拨单元，用于如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
  9. 根据权利要求8所述的财务调拨方法，其特征在于，所述获取单元，包括：
    第一发送模块，用于向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中；
    第一接收模块，用于接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务；
    查询模块，用于发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额；
    获取模块，用于接收所述企业端前置机由所述银行前置机获取的所述账户余额。
  10. 根据权利要求8所述的财务调拨装置，其特征在于，所述调拨单元，包括：
    第二发送模块，用于根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中；
    第二接收模块，用于接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务；
    调拨模块，用于发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
  11. 根据权利要求8所述的财务调拨装置，其特征在于，所述财务调拨方法装置还包括：
    心跳检测单元，用于接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；若连接状态为断开，则发出警报信息。
  12. 根据权利要求8所述的财务调拨装置，其特征在于，所述财务调拨装置，包括：
    判断单元，用于判断所述企业端前置机上是否插入对应各种类银行的UKey设备；
    报警单元，用于若所述企业端前置机上未插入对应各种类银行的UKey设备，则报警。
  13. 根据权利要求8所述的财务调拨装置，其特征在于，所述财务调拨装置还包括：
    长连接单元，用于通过长连接的方式与所述企业端前置机进行任务交互。
  14. 根据权利要求13所述的财务调拨装置，其特征在于，所述财务调拨装置还包括：
    序列化单元，用于将企业端前置机与应用服务器相互发送的报文，通过Protocol Buffers进行序列化。
  15. 一种计算机设备，包括存储器和处理器，所述存储器存储有计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现财务调拨方法，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述方法，包括：
    通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；
    判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；
    如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
  16. 根据权利要求15所述的计算机设备，其特征在于，所述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤，包括：
    向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中；
    接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务；
    发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额；
    接收所述企业端前置机由所述银行前置机获取的所述账户余额。
  17. 根据权利要求15所述的计算机设备，其特征在于，所述如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账的步骤，包括：
    根据所述转账规则生成财务调拨任务，并向所述企业端前置机发送所述财务调拨任务对应的第二任务ID，其中，所述企业端前置机将所述第二任务ID存入到预设的缓存队列中；
    接收所述企业端前置机反馈的第二任务ID，根据所述第二任务ID获取对应的财务调拨任务；
    发送根据所述第二任务ID获取的财务调拨任务给所述企业端前置机，通过所述企业端前置机将所述财务调拨任务发送对应的银行前置机，以完成第二银行账户向所述第一调拨银行账户转账。
  18. 根据权利要求15所述的计算机设备，其特征在于，所述方法还包括：
    接收所述企业端前置机发送的心跳检测包，检测与所述企业端前置机的连接状态；
    若连接状态为断开，则发出警报信息。
  19. 一种计算机非易失性可读存储介质，其上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处理器执行时实现财务调拨方法，利用企业端设置的企业端前置机与银行端进行财务数据交互，所述企业端前置机上设置有多个UKey接口，所述企业端前置机对应多个所述UKey接口被配置为可以与多个不同银行种类的银行端前置机完成财务数据交互；所述方法，包括：
    通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额；
    判断各所述调拨银行账户的余额的是否小于针对各所述调拨银行账户设定的调拨阈值；
    如果存在余额小于调拨阈值的第一调拨银行账户，则按照预设的转账规则从指定的第二银行账户向所述第一调拨银行账户转账。
  20. 根据权利要求15所述的计算机非易失性可读存储介质，其特征在于，所述通过所述企业端前置机获取企业端指定的需要财务调拨管理的多个调拨银行账户的余额的步骤，包括：
    向所述企业端前置机发送针对各所述调拨银行账户的余额查询任务对应的第一任务ID，其中，所述企业端前置机将所述第一任务ID存入到预设的缓存队列中；
    接收所述企业端前置机反馈的第一任务ID，根据所述第一任务ID获取对应的余额查询任务；
    发送根据所述第一任务ID获取的余额查询任务给所述企业端前置机，通过所述企业端前置机将所述余额查询任务发送给对应的银行前置机，以查询对应所述调拨银行账户的账户余额；
    接收所述企业端前置机由所述银行前置机获取的所述账户余额。
PCT/CN2018/108418 2018-07-02 2018-09-28 财务调拨方法、装置、计算机设备和存储介质 Ceased WO2020006904A1 (zh)

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