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Fund transfer method and device based on account balance limitation

A technology of account balance and funds, applied in the information field, can solve problems such as failure to execute fund transfer instructions and user inconvenience

Active Publication Date: 2020-02-21
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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  • Fund transfer method and device based on account balance limitation
  • Fund transfer method and device based on account balance limitation
  • Fund transfer method and device based on account balance limitation

Examples

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Embodiment Construction

[0022] The technical solutions provided by each embodiment of this specification will be described in detail below in conjunction with the accompanying drawings.

[0023] figure 1 It is a schematic flowchart of a fund transfer method based on account balance limitation provided by the embodiment of this specification, including the following steps:

[0024] S100: Obtain a fund transfer instruction.

[0025] One or more embodiments of this specification are applied to the server or server cluster of the account management platform. The user registers an account on the account management platform, and the fund expenditure and income of the user's account are managed by the account management platform. For example, the account management platform can be the operating agency of DC / EP.

[0026] For the convenience of description, the server or server cluster of the account management platform will be referred to as the account management device in the following text. The account...

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PUM

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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...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/40
CPCG06Q20/102G06Q20/405
Inventor 杨昊林
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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