Fund transfer method and device based on account balance limitation

Abstract

The invention discloses a fund transfer method and device based on account balance limitation. Under the scene that the fund account of the user has the balance limitation, when account management equipment executes the fund transfer instruction, if the difference between the preset balance upper limit of an entry account user and the account balance is determined to be smaller than the account fund, the execution is not affirmed to be failed, but the monitoring processing process is created and operated in the memory. The monitoring processing process realizes the following functions during operation: monitoring the account of the account user, and transferring the account fund to the account of the account user according to the monitoring result under the condition that the account balance of the account user is maintained not to exceed the preset balance upper limit. And when the monitoring processing process is operated completely, the fund transfer is successful.

Description

technical field [0001] The embodiment of this specification relates to the field of information technology, and in particular to a fund transfer method and device based on account balance limitation. Background technique [0002] In some scenarios, the user's fund account has a balance limit. For example, for the digital currency payment tool (DC / EP, Digital Currency and Electronic Payment) issued by the People's Bank of China, which is a digital replacement for cash and banknotes, in order to prevent the DC / EP account from existing bank accounts In the case of a run, the user's DC / EP account needs to have a balance limit. [0003] In the scenario where the user's fund account has a balance limit, when the account management device executes the fund transfer instruction, if the transfer of the accounted funds will cause the user's account balance to exceed the preset balance upper limit, the execution of the fund transfer instruction will fail, giving The user brings great...

AI Technical Summary

Problems solved by technology

[0003] In the scenario where the user's fund account has a balance limit, when the account management device executes the fund transfer instruction, if the transfer of the accounted funds will cause the user's account balance to exceed the preset balance upper limit, the execution of the fund transfer instruction will fail, giving Great inconvenience to users

Images