Deposit account management method and device, equipment, storage medium and computer program product

Abstract

The invention discloses a deposit account management method, device and equipment, a storage medium and a computer program product, and relates to the technical field of account data processing, and the method comprises the steps: detecting whether a current account balance is greater than a preset current account retention amount or not in real time; if yes, determining a to-be-transferred amount according to the current account balance and a preset current account retention amount; splitting the amount of money to be transferred to obtain a plurality of single transfer amounts; and determining a deposit deadline and a value-added account corresponding to each single transfer amount based on a preset transfer rule, and performing transfer processing on the single transfer amount based on the deposit deadline and the value-added account. By applying the technical scheme, the technical problems that in the prior art, when a customer plans the deposit fund distribution proportion, a huge number of accounts need to be planned and managed at the same time, operation is tedious, and efficiency is low are solved.

Description

Technical Field

[0001] The present application relates to the technical field of account data processing, and in particular to a deposit account management method, apparatus, device, storage medium and computer program product. Background Art

[0002] The general deposit products of banks are divided into demand deposits and time deposits. The interest rate of demand deposits is lower, but it can be deposited and withdrawn at any time, with low returns and high liquidity. The interest rate of time deposits is higher, but it cannot be deposited and withdrawn flexibly. Early withdrawal before maturity will result in loss of interest. The returns are high but the liquidity is low. In order to balance returns and liquidity, customers usually deposit funds into demand accounts and time accounts separately. At this time, it is necessary to reasonably plan the fund allocation ratio and the number and deposit period of time accounts. Generally speaking, only by allocating less funds to a single time account and distributing the number and deposit period of time accounts more widely can we better cope with unexpected fund use needs and maximize the time interest. This requires customers to plan and manage a huge number of accounts at the same time, which makes daily operations cumbersome.

[0003] The above contents are only used to assist in understanding the technical solution of the present invention and do not constitute an admission that the above contents are prior art. Summary of the invention

[0004] The main purpose of this application is to provide a deposit account management method, device, equipment, storage medium and computer program product, aiming to solve the technical problem in the prior art that customers need to simultaneously plan and manage a huge number of accounts when planning the allocation ratio of deposit funds, which is cumbersome and inefficient.

[0005] To achieve the above objectives, the present application proposes a deposit account management method, the method comprising:

[0006] Real-time detection of whether the current account balance is greater than the preset current account retention amount;

[0007] If yes, then determining the amount to be transferred based on the current account balance and the preset current account retention amount;

[0008] Splitting the amount to be transferred to obtain a number of single transfer amounts;

[0009] The deposit period and the value-added account corresponding to each single transfer amount are determined based on the preset transfer rule, and the single transfer amount is transferred based on the deposit period and the value-added account.

[0010] In one embodiment, before the step of splitting the amount to be transferred to obtain a plurality of single transfer amounts, the step further includes:

[0011] Determine whether to split the amount to be transferred according to user needs;

[0012] If yes, the step of splitting the amount to be transferred to obtain a plurality of single transfer amounts is performed;

[0013] Or, if not, the amount to be transferred is transferred to the target value-added account.

[0014] In one embodiment, the method further comprises:

[0015] Upon receiving an external payment request, determining an amount to be paid based on the external payment request;

[0016] Determining whether the current current account balance in the current account is greater than the amount to be paid;

[0017] If not, the funds to be withdrawn in the target time deposit account are transferred to the current account;

[0018] When the transfer is completed, the current current account balance is updated, and external payments are made through the updated current current account balance.

[0019] In one embodiment, if not, the step of transferring the funds to be withdrawn in the target time deposit account to the current account includes:

[0020] If not, the order of fund withdrawal is determined based on the preset fund withdrawal strategy;

[0021] Determine the target periodic account and the funds to be withdrawn in the target periodic account according to the fund withdrawal sequence and the amount to be paid;

[0022] The funds to be withdrawn are transferred from the target fixed deposit account to the current account.

[0023] In one embodiment, the preset fund withdrawal strategy includes: a first fund withdrawal strategy; the step of determining the fund withdrawal order based on the preset fund withdrawal strategy includes:

[0024] When the preset fund withdrawal strategy is the first fund withdrawal strategy, all the time-based accounts are sorted in ascending order according to the target deposit terms corresponding to all the time-based accounts to obtain a first sorting result;

[0025] The fund withdrawal order is determined based on the first sorting result and the fund transfer time corresponding to the regular account.

[0026] In one embodiment, the preset fund withdrawal strategy includes: a second fund withdrawal strategy; the step of determining the fund withdrawal order based on the preset fund withdrawal strategy includes:

[0027] When the preset fund withdrawal strategy is the second fund withdrawal strategy, all the time-based accounts are sorted in descending order according to the target deposit terms corresponding to all the time-based accounts to obtain a second sorting result;

[0028] The fund withdrawal order is determined based on the second sorting result and the fund transfer time corresponding to the regular account.

[0029] In addition, to achieve the above purpose, the present application also proposes a deposit account management device, the device comprising:

[0030] Amount detection module, used to detect in real time whether the current account balance is greater than the preset current account retention amount;

[0031] an amount determination module, for determining the amount to be transferred according to the current account balance and the preset current account retention amount if yes;

[0032] An amount splitting module is used to split the amount to be transferred to obtain several single transfer amounts;

[0033] Amount transfer processing is used to determine the deposit period and value-added account corresponding to each single transfer amount based on the preset transfer rules, and transfer the single transfer amount based on the deposit period and the value-added account.

[0034] In addition, to achieve the above-mentioned purpose, the present application also proposes a deposit account management device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the deposit account management method described above.

[0035] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the deposit account management method described above are implemented.

[0036] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the deposit account management method described above are implemented.

[0037] The present application provides a deposit account management method, which discloses real-time detection of whether the current account balance is greater than a preset current account retention amount; if so, determining the amount to be transferred according to the current account balance and the preset current account retention amount; splitting the amount to be transferred to obtain a plurality of single transfer amounts; determining the deposit term and value-added account corresponding to each single transfer amount based on the preset transfer rule, and performing transfer processing on the single transfer amount based on the deposit term and the value-added account; because the present invention splits the amount to be deposited into a plurality of single transfer amounts for transfer processing when the current account balance is greater than the preset current account retention amount, so that the regular fund ratio can be reasonably configured through flexible automatic transfer, thereby solving the technical problem in the prior art that the customer needs to plan and manage a huge number of accounts at the same time when planning the deposit fund allocation ratio, and the operation is cumbersome and inefficient. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0039] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0040] Figure 1 A flowchart of the first embodiment of the deposit account management method of the present application is provided;

[0041] Figure 2 This is a diagram showing the structure of the comprehensive account in the deposit account management method of this application;

[0042] Figure 3 This is a flow chart of automatic fund transfer in the deposit account management method;

[0043] Figure 4 A flowchart of the second embodiment of the deposit account management method of the present application is provided;

[0044] Figure 5 This is a flow chart of real-time linkage withdrawal of funds in the deposit account management method for this application;

[0045] Figure 6 This is a schematic diagram of the module structure of the deposit account management device according to an embodiment of the present application;

[0046] Figure 7 This is a schematic diagram of the device structure of the hardware operating environment involved in the deposit account management method in the embodiment of the present application.

[0047] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0048] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0049] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0050] The main solution of the embodiment of the present application is: to detect in real time whether the balance of the current account is greater than the preset current account retention amount; if so, determine the amount to be transferred based on the current account balance and the preset current account retention amount; split the amount to be transferred to obtain several single transfer amounts; determine the deposit term and value-added account corresponding to each single transfer amount based on the preset transfer rules, and transfer the single transfer amount based on the deposit term and the value-added account.

[0051] In the prior art, only by allocating less funds to a single fixed-term account and spreading the number and duration of fixed-term accounts wider can the unexpected fund use needs be better addressed and the fixed-term interest be maximized. This requires customers to plan and manage a huge number of accounts at the same time, which makes daily operations cumbersome.

[0052] The present application provides a solution that can split the pending deposit amount into several single transfer amounts for transfer processing when the current account balance is greater than the preset current account retention amount, so that the regular fund ratio can be reasonably allocated through flexible automatic transfer, thereby solving the technical problem in the prior art that customers need to plan and manage a huge number of accounts at the same time when planning the deposit fund allocation ratio, which is cumbersome and inefficient.

[0053] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a deposit account management device, etc. The following takes the deposit account management device as an example (hereinafter referred to as the device) to illustrate this embodiment and the following embodiments.

[0054] Based on this, the present application embodiment provides a deposit account management method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the deposit account management method of the present application.

[0055] In this embodiment, the deposit account management method includes steps S10 to S40:

[0056] Step S10: Real-time detection of whether the current account balance is greater than the preset current account retention amount.

[0057] It should be noted that in this solution, a comprehensive account structure that combines current accounts and fixed-term accounts (for storing fixed-term deposits) can be constructed to centrally manage account funds. Figure 2 , Figure 2 This is a diagram showing the structure of the comprehensive account in the deposit account management method of this application. Figure 2 As shown, the comprehensive account in this solution can distinguish transactions within the comprehensive account and external transactions. Internal transactions are not displayed to the outside, that is, only external collection and external payment are displayed from the customer's perspective. The internal transactions of the comprehensive account A are not displayed to the outside, wherein the externally displayed comprehensive account balance = current account balance + all regular account balances. In this embodiment, only direct transactions between the current account and the external account are displayed to the outside, which can maintain the balance between external transactions and the comprehensive balance. The actual account structure of the comprehensive account in this solution can be composed of a current settlement account A and a summary account B. Automatic / manual and fund transfer and withdrawal can be performed between the current settlement account A and the summary account B. The summary account B can be composed of several sub-accounts, such as: regular sub-account B-1, regular sub-account B-2, regular sub-account B-3, regular sub-account BN, ordinary regular account C1 and notice deposit account D1, etc. This embodiment does not limit this. For transaction flow packaging, this solution can determine the transaction type based on the transaction data to distinguish between external transactions and fixed-term and flexible internal transactions, so that fixed-term and flexible internal transactions can be shielded later, and the balance remains unchanged, and external transactions are displayed, and the balance is calculated normally, and finally the packaged transaction data is output.

[0058] It should be noted that the historical balance of the account in this solution also corresponds to the history of the combined comprehensive account balance; the customer's statement also only displays the external transactions and summary balance information of the comprehensive account; the credit certificate and confirmation letter only display the summary balance information of the comprehensive account; the interest when the fixed account is withdrawn is accumulated to the current interest receivable of the current account, and is summarized as the interest of the current account on the current interest payment date each quarter. In this solution, through the packaging of the comprehensive account, the customer is still shown one account, and the customer's daily reconciliation is only carried out around one account, which is the same as the experience of an ordinary current account, thus greatly facilitating the customer's daily account management.

[0059] It is understandable that the current account balance can be the current balance of the current account in the comprehensive account. Correspondingly, the preset current account retention amount can be the preset amount that needs to be retained in the current account. In this embodiment, the current account retention amount can be set according to actual conditions, and this embodiment does not limit this.

[0060] In actual applications, in order to increase the return on customer funds, it is necessary to transfer as much of the account funds as possible to the fixed-term account. Therefore, in the deposit account management method proposed in this solution, the system can transfer the current account funds to the fixed-term account at the end of each day according to the preset current account balance, the transfer amount of a single fixed-term account, the fixed-term account deposit period configuration and other parameters.

[0061] Step S20: If yes, the amount to be transferred is determined according to the current account balance and the preset current account retention amount.

[0062] It should be understood that the above amount to be transferred may be the current amount in the current account that can be transferred to the fixed deposit account. In the present embodiment, the amount to be transferred = the current account balance - the preset current account retention amount.

[0063] Step S30: split the amount to be transferred to obtain a number of single transfer amounts.

[0064] It should be noted that in order to avoid interest losses caused by large-amount early withdrawals, this solution does not transfer all funds to one fixed-term account, but transfers them to multiple fixed-term accounts with different deposit periods according to the specified amount. Therefore, before transferring funds, the device can split the amount to be transferred and obtain several single transfer amounts. For example, if the amount to be transferred is 3 million, it can be split into 6 single transfer amounts of 500,000.

[0065] Furthermore, before step S30, it also includes: judging whether to split the amount to be transferred according to user needs; if so, executing the step of splitting the amount to be transferred to obtain several single transfer amounts; or, if not, transferring the amount to be transferred to the target value-added account.

[0066] In this embodiment, in order to improve the flexibility of fund transfer, it can be determined first whether the amount to be transferred needs to be split. If necessary, the amount to be transferred can be split into multiple single transfer amounts and then deposited into corresponding time deposit accounts respectively; if not necessary, all amounts to be transferred can be directly deposited into one time deposit account, namely the above-mentioned target value-added account, wherein the target value-added account can be any value-added account in the comprehensive account, and this embodiment does not impose any restrictions on this.

[0067] Step S40: Determine the deposit term and value-added account corresponding to each single transfer amount based on the preset transfer rule, and perform transfer processing on the single transfer amount based on the deposit term and the value-added account.

[0068] It should be understood that the preset transfer rules may be the rules to be followed when transferring the funds to be transferred. In this embodiment, the preset transfer rules may include: transfer by amount, transfer by proportion and single transfer, among which, transfer by amount may be a rule for depositing a single transfer amount into a time deposit account of different deposit periods according to a set amount; transfer by proportion may be a rule for depositing a single transfer amount into a time deposit account of different deposit periods according to a set proportion; and single transfer may be a rule for transferring all single transfer amounts into a time deposit account of the same deposit period.

[0069] It can be understood that the above-mentioned deposit term can be the deposit term corresponding to the single transfer amount; accordingly, the above-mentioned value-added account is the fixed-term account to which the single transfer amount is transferred.

[0070] In the specific implementation, refer to Figure 3 , Figure 3 This is a flow chart of automatic fund transfer in the deposit account management method. Figure 3 As shown, in this embodiment, it can be determined whether the available balance of the current account in the comprehensive account is greater than the retained balance of the current account. If so, the amount to be transferred is determined by deducting the retained balance. If the amount to be transferred is 3 million, the traditional product transfer usually deposits the 3 million into the fixed-term account A, while this solution can transfer the 3 million by combining deposits. When transferring, the 3 million to be transferred can be first split into 6 transfers of 500,000, and then transferred according to the preset transfer rules. Specifically, for the transfer rule of transfer by amount, if there are 6 transfer amounts of 500,000, they can be deposited into three-month regular account A, three-month regular account B, six-month regular account C, six-month regular account D, one-year regular account E and one-year regular account F respectively; for the transfer rule of transfer by proportion, if there are 6 transfer amounts of 500,000, they can be deposited into three-month regular account and six-month regular account in the ratio of 50% each, such as transferred into three-month regular account A, three-month regular account B, three-month regular account C, six-month regular account D, six-month regular account E and six-month regular account F respectively; for the transfer rule of single transfer, if there are 6 transfer amounts of 500,000, the 6 transfer amounts of 500,000 can be deposited into three-month regular account A, three-month regular account B, three-month regular account C, three-month regular account D, three-month regular account E and three-month regular account F respectively. According to the above method, this embodiment can determine the deposit period and value-added account corresponding to all single transfer amounts, and then all single transfers can be transferred to the corresponding value-added account according to the corresponding deposit period.

[0071] The present embodiment provides a deposit account management method, which discloses real-time detection of whether the current account balance is greater than the preset current account retention amount; if so, determining the amount to be transferred according to the current account balance and the preset current account retention amount; splitting the amount to be transferred to obtain a number of single transfer amounts; determining the deposit term and value-added account corresponding to each single transfer amount based on the preset transfer rule, and transferring the single transfer amount based on the deposit term and the value-added account; because the present embodiment splits the amount to be deposited into a number of single transfer amounts for transfer when the current account balance is greater than the preset current account retention amount, so that the regular fund ratio can be reasonably configured through flexible automatic transfer, thereby solving the technical problem in the prior art that customers need to simultaneously plan and manage a huge number of accounts when planning the deposit fund allocation ratio, and the operation is cumbersome and inefficient.

[0072] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 4 , Figure 4 This is a flow chart of the second embodiment of the deposit account management method of this application.

[0073] In this embodiment, the deposit account management method further includes steps S50 to S80:

[0074] Step S50: When receiving an external payment request, determining the amount to be paid based on the external payment request.

[0075] It is understandable that the external payment request may be a request for instructing the integrated account to make an external payment; and the amount to be paid may be the amount that needs to be paid for this external payment. In this embodiment, when the user uses the integrated account to make an external payment, an external payment request is triggered, and after detecting the external payment request, the device may parse the external payment request to determine the amount that needs to be paid this time.

[0076] Step S60: Determine whether the current current account balance in the current account is greater than the amount to be paid.

[0077] It should be understood that the above-mentioned current current account balance may be the current balance of the current account.

[0078] Step S70: If not, the funds to be withdrawn in the target time deposit account are transferred to the current account.

[0079] It should be noted that the above-mentioned target fixed-term account can be the fixed-term account for this fund withdrawal. In actual applications, when the comprehensive account needs to make external payments, and the current account under the comprehensive account is insufficient, the system can link the fixed-term account in real time, first transfer the funds in the identified fixed-term account that needs to be withdrawn to the current account, and then make external payments from the current account. In this embodiment, the system can automatically complete the process of transferring regular accounts to current accounts. Since customers are not sensitive to the transfer of funds between accounts, actual customers only need to make payments according to the regular operation accounts.

[0080] Furthermore, the step S70 includes:

[0081] Step S701: If not, determine the fund withdrawal order based on the preset fund withdrawal strategy.

[0082] It should be noted that the above-mentioned preset fund withdrawal strategy can be a strategy for transferring funds from a fixed deposit account to a current account. In this embodiment, the preset fund withdrawal strategy can include: a first fund withdrawal order and a second fund withdrawal strategy, wherein the first fund withdrawal strategy can be a strategy of transferring funds from a short deposit period to a long deposit period, and a last-in-first-out strategy for the same deposit period according to the transfer time; the second fund withdrawal strategy can be a strategy of transferring funds from a long deposit period to a short deposit period, and a last-in-first-out strategy for the same deposit period according to the transfer time. Correspondingly, the above-mentioned fund withdrawal order can be the order of withdrawing funds from a fixed deposit account. Since the use of different fund withdrawal strategies will result in different orders of withdrawing funds from a fixed deposit account, the fund withdrawal order can be determined based on the fund withdrawal strategy in this embodiment.

[0083] Step S702: Determine the target regular account and the funds to be withdrawn in the target regular account according to the fund withdrawal sequence and the amount to be paid.

[0084] It should be understood that the above-mentioned target regular account is the regular account from which funds are withdrawn this time; accordingly, the above-mentioned funds to be withdrawn can be the funds that need to be withdrawn from the target regular account this time.

[0085] Step S703: Transfer the funds to be withdrawn from the target fixed deposit account to the current account.

[0086] In actual applications, the device can first determine the target time account from which funds need to be withdrawn, as well as the amount to be withdrawn from the target time account based on the order of fund withdrawal, the amount to be paid, and the amount in each time account. The device can then transfer the amount to be withdrawn from the target time account to the current account, and finally make external payments through the current account.

[0087] In this embodiment, the preset fund withdrawal strategy includes: a first fund withdrawal strategy; the step of determining the fund withdrawal order based on the preset fund withdrawal strategy includes:

[0088] When the preset fund withdrawal strategy is the first fund withdrawal strategy, each fixed-term account is sorted in ascending order according to the target deposit period corresponding to all fixed-term accounts to obtain a first sorting result; and the fund withdrawal order is determined based on the first sorting result and the fund transfer time corresponding to the fixed-term account.

[0089] In this embodiment, the preset fund withdrawal strategy further includes: a second fund withdrawal strategy; the step of determining the fund withdrawal order based on the preset fund withdrawal strategy includes:

[0090] When the preset fund withdrawal strategy is the second fund withdrawal strategy, each fixed-term account is sorted in descending order according to the target deposit period corresponding to all fixed-term accounts to obtain a second sorting result; and the fund withdrawal order is determined based on the second sorting result and the fund transfer time corresponding to the fixed-term account.

[0091] Step S80: When the transfer is completed, the current current account balance is updated, and external payments are made using the updated current current account balance.

[0092] In the specific implementation, refer to Figure 5 , Figure 5 This is a flow chart of real-time linkage withdrawal of funds in the deposit account management method of this application. Figure 5As shown, when a user uses a comprehensive account to make external payments, a payment request can be initiated. After detecting the external payment request, the device can determine whether the funds in the current account in the comprehensive account are sufficient. If sufficient, the funds in the current account can be directly used for payment; if insufficient, a fixed-term account that needs to be withdrawn can be selected, and the funds in the fixed-term account can be transferred to the current account and then paid through the current account. Specifically, this embodiment can select a fixed-term account according to the parameter selection withdrawal strategy, that is, determine the fund withdrawal order based on the preset fund withdrawal strategy to determine the target fixed-term account that needs to be withdrawn. If the preset fund withdrawal strategy is the first fund withdrawal strategy, the fixed-term accounts can be sorted in ascending order according to the deposit period corresponding to each fixed-term account, and the fixed-term accounts with short deposit periods are placed in front, and the fixed-term accounts with long deposit periods are placed in the back, to obtain the first sorting result. For the fixed-term accounts with the same deposit period in the first sorting result, they can be sorted again based on the fund transfer time corresponding to the fixed-term account. At this time, the accounts with a later transfer time can be placed in the front, and the accounts with a earlier transfer time can be placed in the back, and the fund withdrawal order is finally determined. For example, the order of fund withdrawal finally determined based on the first fund withdrawal strategy is three-month fixed account A (transfer time: 2024 / 07 / 02), three-month fixed account B (transfer time: 2024 / 07 / 01), six-month fixed account C (transfer time: 2024 / 07 / 02), six-month fixed account D (transfer time: 2024 / 07 / 01), and one-year fixed account E (transfer time: 2024 / 07 / 02). If the preset fund withdrawal strategy is the second fund withdrawal strategy, the fixed accounts can be sorted in descending order according to their corresponding deposit terms, with the long-term fixed account placed in front and the short-term fixed account placed in the back, to obtain the second sorting result. For the fixed accounts with the same deposit period in the second sorting result, they can be sorted again based on the fund transfer time corresponding to the fixed account. At this time, the accounts with a later transfer time can be placed in front, and the accounts with an earlier transfer time can be placed in the back, to finally determine the fund withdrawal order. For example, the final order of funds withdrawal based on the second funds withdrawal strategy is one-year regular account A (transfer time: 2024 / 07 / 02), one-year regular account B (transfer time: 2024 / 07 / 01), six-month regular account C (transfer time: 2024 / 07 / 02), six-month regular account D (transfer time: 2024 / 07 / 01), and three-month regular account E (transfer time: 2024 / 07 / 02).

[0093] In this embodiment, it is disclosed that when an external payment request is received, the amount to be paid is determined based on the external payment request; it is determined whether the current current account balance in the current account is greater than the amount to be paid; if not, the funds to be withdrawn in the target time deposit account are transferred to the current account; when the transfer is completed, the current current account balance is updated, and external payment is made through the updated current current account balance; since in this embodiment, when the current current account balance in the current account is greater than the amount to be paid, the funds to be withdrawn in the target time deposit account can be transferred to the current account for external payment, thereby avoiding the customer manually allocating funds from the time deposit account for payment when the current account funds are insufficient, thereby ensuring the timeliness and accuracy of the payment.

[0094] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the deposit account management method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0095] This application also provides a deposit account management device, please refer to Figure 6 , the deposit account management device comprises:

[0096] Amount detection module 10, used for real-time detection of whether the current account balance is greater than a preset current account retention amount;

[0097] An amount determination module 20, for determining the amount to be transferred based on the current account balance and the preset current account retention amount if yes;

[0098] An amount splitting module 30 is used to split the amount to be transferred to obtain a plurality of single transfer amounts;

[0099] The amount transfer processing 40 is used to determine the deposit period and value-added account corresponding to each single transfer amount based on the preset transfer rule, and perform transfer processing on the single transfer amount based on the deposit period and the value-added account.

[0100] The deposit account management device provided by the present application adopts the deposit account management method in the above embodiment, which can solve the technical problem in the prior art that customers need to plan and manage a huge number of accounts at the same time when planning the deposit fund allocation ratio, which is cumbersome and inefficient. Compared with the prior art, the beneficial effects of the deposit account management device provided by the present application are the same as the beneficial effects of the deposit account management method provided by the above embodiment, and the other technical features in the deposit account management device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0101] The present application provides a deposit account management device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the deposit account management method in the above-mentioned embodiment 1.

[0102] Reference below Figure 7 , which shows a schematic diagram of the structure of a deposit account management device suitable for implementing the embodiment of the present application. The deposit account management device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 7 The deposit account management device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0103] like Figure 7As shown, the deposit account management device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the deposit account management device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the deposit account management device to communicate with other devices wirelessly or by wire to exchange data. Although the deposit account management device with various systems is shown in the figure, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0104] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0105] The deposit account management device provided by the present application adopts the deposit account management method in the above embodiment to solve the technical problem of deposit account management. Compared with the prior art, the beneficial effects of the deposit account management device provided by the present application are the same as the beneficial effects of the deposit account management method provided by the above embodiment, and other technical features in the deposit account management device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0106] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0107] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0108] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the deposit account management method in the above-mentioned embodiment.

[0109] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0110] The computer-readable storage medium may be included in the deposit account management device; or may exist independently without being assembled into the deposit account management device.

[0111] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the deposit account management device, the deposit account management device: detects in real time whether the current account balance is greater than the preset current account retention amount; if so, determines the amount to be transferred based on the current account balance and the preset current account retention amount; splits the amount to be transferred to obtain several single transfer amounts; determines the deposit term and value-added account corresponding to each single transfer amount based on the preset transfer rules, and transfers the single transfer amount based on the deposit term and the value-added account.

[0112] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0113] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0114] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0115] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned deposit account management method, and can solve the technical problem in the prior art that customers need to simultaneously plan and manage a huge number of accounts when planning the allocation ratio of deposit funds, which is cumbersome and inefficient. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as those of the deposit account management method provided by the above-mentioned embodiment, and will not be repeated here.

[0116] The present application also provides a computer program product, comprising a computer program, which implements the steps of the deposit account management method as described above when executed by a processor.

[0117] The computer program product provided by the present application can solve the technical problem in the prior art that when customers plan the proportion of deposit fund allocation, they need to plan and manage a huge number of accounts at the same time, which is cumbersome and inefficient. Compared with the prior art, the beneficial effects of the computer program product provided by the present application are the same as those of the deposit account management method provided in the above embodiment, and will not be described in detail here.

[0118] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A deposit account management method, characterized in that: The method includes: Real-time detection of whether the current account balance is greater than the preset current account retention amount; If yes, then determining the amount to be transferred based on the current account balance and the preset current account retention amount; Splitting the amount to be transferred to obtain a number of single transfer amounts; The deposit period and the value-added account corresponding to each single transfer amount are determined based on the preset transfer rule, and the single transfer amount is transferred based on the deposit period and the value-added account.

2. The method according to claim 1, characterized in that Before the step of splitting the amount to be transferred to obtain a plurality of single transfer amounts, the method further includes: Determine whether to split the amount to be transferred according to user needs; If yes, the step of splitting the amount to be transferred to obtain a plurality of single transfer amounts is performed; Or, if not, the amount to be transferred is transferred to the target value-added account.

3. The method according to any one of claims 1 to 2, characterized in that The method further comprises: Upon receiving an external payment request, determining an amount to be paid based on the external payment request; Determining whether the current current account balance in the current account is greater than the amount to be paid; If not, the funds to be withdrawn in the target time deposit account are transferred to the current account; When the transfer is completed, the current current account balance is updated, and external payments are made through the updated current current account balance.

4. The method according to claim 3, characterized in that If not, the step of transferring the funds to be withdrawn in the target fixed deposit account to the current account comprises: If not, the order of fund withdrawal is determined based on the preset fund withdrawal strategy; Determine the target periodic account and the funds to be withdrawn in the target periodic account according to the fund withdrawal sequence and the amount to be paid; The funds to be withdrawn are transferred from the target fixed deposit account to the current account.

5. The method according to claim 4, characterized in that The preset fund withdrawal strategy includes: a first fund withdrawal strategy; the step of determining the fund withdrawal sequence based on the preset fund withdrawal strategy includes: When the preset fund withdrawal strategy is the first fund withdrawal strategy, all the time-based accounts are sorted in ascending order according to the target deposit terms corresponding to all the time-based accounts to obtain a first sorting result; The fund withdrawal order is determined based on the first sorting result and the fund transfer time corresponding to the regular account.

6. The method according to claim 4, characterized in that The preset fund withdrawal strategy includes: a second fund withdrawal strategy; the step of determining the fund withdrawal sequence based on the preset fund withdrawal strategy includes: When the preset fund withdrawal strategy is the second fund withdrawal strategy, all the time-based accounts are sorted in descending order according to the target deposit terms corresponding to all the time-based accounts to obtain a second sorting result; The fund withdrawal order is determined based on the second sorting result and the fund transfer time corresponding to the regular account.

7. A deposit account management device, characterized in that: The device comprises: Amount detection module, used to detect in real time whether the current account balance is greater than the preset current account retention amount; an amount determination module, for determining the amount to be transferred according to the current account balance and the preset current account retention amount if yes; An amount splitting module is used to split the amount to be transferred to obtain several single transfer amounts; Amount transfer processing is used to determine the deposit period and value-added account corresponding to each single transfer amount based on the preset transfer rules, and transfer the single transfer amount based on the deposit period and the value-added account.

8. A deposit account management device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the deposit account management method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the deposit account management method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the deposit account management method according to any one of claims 1 to 6 are implemented.

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