Funds data processing method and device

Abstract

The present application provides a method and device for processing fund data, which can be used in the financial field or other fields, and the method includes: obtaining the available balance of each node in the structure tree of the target enterprise organization; if there are positive balance nodes and negative balance nodes in the same level, the node quota of the positive balance node and the available balance of the negative balance node of the level are applied to perform horizontal fund settlement processing, so that the available balance of the nodes of the level are all greater than or equal to 0 or the node quota of the positive balance node is all 0; the positive balance node is a node with a node quota greater than or equal to 0 and an available balance greater than or equal to 0, the negative balance node is a node with an available balance less than 0, and the node quota is the sum of the available balance of the node and the available balances of each descendant node of the node. The present application can improve the efficiency of fund settlement processing, and thus can ensure the normal transaction process of the enterprise.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method and device for processing fund data. Background Art

[0002] With the development of economy and technology, many large enterprises will set up multiple branches to improve the convenience of business handling. Different branches may have different economic benefits and account balances. When the branch account balance is not enough to pay external parties, it may lead to problems such as bank advances or direct bank loans, which may easily affect the credit of the enterprise and cause high loan interest. Summary of the invention

[0003] In response to the problems in the prior art, the present application proposes a fund data processing method and device, which can improve the efficiency of fund clearing and processing, thereby ensuring the normal transaction process of the enterprise.

[0004] In order to solve the above technical problems, this application provides the following technical solutions:

[0005] In a first aspect, the present application provides a method for processing funds data, comprising:

[0006] Get the available balance of each node in the target enterprise organization structure tree;

[0007] If there are positive balance nodes and negative balance nodes in the same level, the node quota of the positive balance nodes and the available balance of the negative balance nodes of the level shall be used for horizontal fund settlement processing, so that the available balance of the nodes of the level are all greater than or equal to 0 or the node quota of the positive balance nodes are all 0;

[0008] The positive balance node is a node whose node quota is greater than or equal to 0 and whose available balance is greater than or equal to 0, and the negative balance node is a node whose available balance is less than 0. The node quota is the sum of the available balance of the node and the available balances of each descendant node of the node.

[0009] Furthermore, after the node quota of the positive balance node and the available balance of the negative balance node of the application level are used to perform horizontal fund settlement processing, the method further includes:

[0010] According to the target enterprise organization structure tree, a plurality of node groups are obtained, each node group includes: a root node of the target enterprise organization structure tree, a child node of the root node, and a descendant node of the child node, the child node of the root node in each node group is unique, and the child nodes of the root node in each node group are different;

[0011] If there is a target node group containing negative balance nodes and positive balance nodes, the node quotas of the positive balance nodes and the available balances of the negative balance nodes in the target node group are applied to perform vertical fund settlement processing, so that the available balances of the nodes in the target node group are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

[0012] Further, the node quotas of the positive balance nodes and the available balances of the negative balance nodes of the application level are used for horizontal fund settlement processing, so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0, including:

[0013] Sort the negative balance nodes of the level from low to high according to the absolute value of the available balance, and sort the positive balance nodes from high to low according to the node amount;

[0014] The first negative balance node is used as the target negative balance node, and the first positive balance node is used as the target positive balance node;

[0015] Execute a fund settlement processing step, which includes: if the target negative balance is less than the node quota of the target positive balance node, then update the node quota of the target positive balance node to the difference between the node quota of the target positive balance node and the target negative balance, and update the available balance of the target negative balance node to 0; the target negative balance is the absolute value of the available balance of the target negative balance node; if there is a next negative balance node, then use the next negative balance node as the target negative balance node, use the updated target positive balance node as the target positive balance node, and return to execute the fund settlement processing step.

[0016] Furthermore, the fund data processing method further includes:

[0017] If the target negative balance is equal to the node credit of the target positive balance node, the node credit of the target positive balance node and the available balance of the target negative balance node are updated to 0;

[0018] If there is a next negative balance node and a positive balance node, the next negative balance node is used as the target negative balance node, and the next positive balance node is used as the target positive balance node, and the process returns to execute the fund settlement processing step.

[0019] Furthermore, the fund data processing method further includes:

[0020] If the target negative balance is greater than the node credit of the target positive balance node, the target negative balance is updated to the difference between the target negative balance and the node credit of the target positive balance node, and the node credit of the target positive balance node is updated to 0;

[0021] If there is a next positive balance node, the next positive balance node is used as the target positive balance node, the updated target negative balance node is used as the target negative balance node, and the process returns to execute the fund settlement processing step.

[0022] Further, after the available balance of the target negative balance node is updated to 0, the method further includes:

[0023] If the current target negative balance node is the last negative balance node, the current operation is terminated.

[0024] In a second aspect, the present application provides a fund data processing device, comprising:

[0025] An acquisition module, used to acquire the available balance of each node in the target enterprise organization structure tree;

[0026] The same-layer clearing module is used to apply the node quota of the positive balance node and the available balance of the negative balance node of the layer to perform horizontal fund clearing processing if there are positive balance nodes and negative balance nodes in the same layer, so that the available balance of the nodes of the layer is greater than or equal to 0 or the node quota of the positive balance node is 0;

[0027] The positive balance node is a node whose node quota is greater than or equal to 0 and whose available balance is greater than or equal to 0, and the negative balance node is a node whose available balance is less than 0. The node quota is the sum of the available balance of the node and the available balances of each descendant node of the node.

[0028] Furthermore, the fund data processing device further includes:

[0029] A partitioning module, used to obtain multiple groups of node groups according to the target enterprise organization structure tree, each group of node groups includes: a root node of the target enterprise organization structure tree, a child node of the root node, and a descendant node of the child node, the child node of the root node in each group of node groups is unique, and the child nodes of the root node in each group of node groups are different;

[0030] A vertical clearing module is used to perform vertical fund clearing processing on the target node group if there is a target node group containing negative balance nodes and positive balance nodes, using the node quotas of the positive balance nodes and the available balances of the negative balance nodes in the target node group, so that the available balances of the nodes in the target node group are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

[0031] In a third aspect, the present application provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the fund data processing method when executing the program.

[0032] In a fourth aspect, the present application provides a computer-readable storage medium having computer instructions stored thereon, which implement the fund data processing method when the instructions are executed.

[0033] It can be seen from the above technical solution that the present application provides a method and device for processing funds data. The method comprises: obtaining the available balance of each node in the structure tree of the target enterprise organization; if there are positive balance nodes and negative balance nodes in the same level, applying the node quota of the positive balance node and the available balance of the negative balance node of the level to perform horizontal fund settlement processing, so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0; the positive balance node is a node with a node quota greater than or equal to 0 and an available balance greater than or equal to 0, the negative balance node is a node with an available balance less than 0, the node quota is the sum of the available balance of the node and the available balances of each descendant node of the node, which can improve the efficiency of fund settlement processing and thus ensure the normal transaction process of the enterprise; can effectively solve the problem of negative balance replenishment of enterprise branches, improve the flexibility of allocation, and at the same time improve the utilization rate of enterprise funds, and has the following specific advantages: (i) simplifying the settlement process processing, improving processing efficiency, and effectively releasing more computer resources; (ii) greatly improving the liquidity of funds in the fund pool, greatly improving the success rate of settlement replenishment, and reducing the risk of bank advances; (iii) supporting complex and changeable enterprise organization structure trees. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] 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, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0035] Figure 1 It is a first flow chart of the method for processing funds data in an embodiment of the present application;

[0036] Figure 2 is a second flow chart of the method for processing funds data in an embodiment of the present application;

[0037] Figure 3 is a third flow chart of the method for processing funds data in the embodiment of the present application;

[0038] Figure 4 This is a schematic diagram of a corporate organization structure tree in an example of this application;

[0039] Figure 5 It is a flowchart of the method for processing funds data in the application example of this application;

[0040] Figure 6 It is a schematic diagram of the structure of the fund data processing device in the embodiment of the present application;

[0041] Figure 7 This is a schematic block diagram of the system structure of the electronic device 9600 according to an embodiment of the present application. DETAILED DESCRIPTION

[0042] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0043] In order to reduce risks such as bank advances, the head office and branches within the enterprise can use shared funds in the fund pool to make external payments. When the balance of a member account within the enterprise is insufficient for external payments, a sum of funds can be transferred from other member accounts within the enterprise to the payment account in real time. The payment account uses funds with shared quotas, but as a direct payer, the money on the books is paid directly from members, and the shared quota in the fund pool is used by default. Therefore, after a successful payment, the real-time balance of the payment account is displayed as a negative number, that is, other members within the company's internal funds are used to make up for the negative balance account. However, although clearing and balancing can be achieved by clearing between adjacent levels, the processing steps are cumbersome and consume a lot of computer resources. The probability of payment failure is also relatively high, affecting the bank's service level.

[0044] Based on this, in order to improve the efficiency of fund clearing and processing, and thus ensure the normal transaction process of the enterprise, the embodiment of the present application provides a fund data processing device, which can be a server or a client device, and the client device can include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, and a smart wearable device, etc. Among them, the smart wearable device can include smart glasses, smart watches, and smart bracelets, etc.

[0045] In practical applications, the part of processing the fund data can be executed on the server side as described above, or all operations can be completed in the client device. The selection can be made based on the processing capability of the client device and the limitations of the user's usage scenario. This application does not limit this. If all operations are completed in the client device, the client device may also include a processor.

[0046] The client device may have a communication module (i.e., a communication unit) that can communicate with a remote server to achieve data transmission with the server. The server may include a server on the task scheduling center side, and other implementation scenarios may also include a server on an intermediate platform, such as a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, or a server cluster consisting of multiple servers, or a server structure of a distributed device.

[0047] The server and the client device may communicate using any suitable network protocol, including network protocols that have not yet been developed on the date of filing this application. The network protocol may include, for example, TCP / IP protocol, UDP / IP protocol, HTTP protocol, HTTPS protocol, etc. Of course, the network protocol may also include, for example, RPC protocol (Remote Procedure Call Protocol) and REST protocol (Representational State Transfer) used on top of the above protocols.

[0048] It should be noted that the funds data processing method and device disclosed in the present application can be used in the field of financial technology, and can also be used in any field other than the field of financial technology. The application field of the funds data processing method and device disclosed in the present application is not limited.

[0049] The details are described through the following embodiments.

[0050] In order to improve the efficiency of fund settlement processing and thus ensure the normal transaction process of the enterprise, this embodiment provides a fund data processing method in which the execution subject is a fund data processing device, and the fund data processing device includes but is not limited to a server, such as Figure 1 As shown, the method specifically includes the following contents:

[0051] Step 101: Obtain the available balance of each node in the target enterprise organization structure tree.

[0052] Specifically, the target enterprise organization structure tree may include multiple layers of nodes, and the same layer may have one or more nodes. The nodes in the target enterprise organization structure tree may represent organizations of the target enterprise, such as a head office and branches; the connection relationship between nodes may represent the relationship between enterprise organizations, and the available balance of a node is the available balance of the node's account.

[0053] Step 102: If there are positive balance nodes and negative balance nodes in the same level, the node quotas of the positive balance nodes and the available balances of the negative balance nodes of the level are applied to perform horizontal fund settlement processing, so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0; the positive balance node is a node with a node quota greater than or equal to 0 and an available balance greater than or equal to 0, the negative balance node is a node with an available balance less than 0, and the node quota is the sum of the available balance of the node and the available balances of each descendant node of the node.

[0054] Specifically, the node amount = the available balance of the current node + the sum of the available balances of the descendant nodes of the current node. The available balance of the current node can represent the settlement amount of the current node. If there are positive balance nodes and negative balance nodes in nodes of different levels, horizontal fund settlement processing can be performed from top to bottom.

[0055] For example, if Figure 4 As shown, the descendant nodes of node C include: H node, I node, M node and N node; the node credit of node C = the available balance of node C + the available balance of node H + the available balance of node I + the available balance of node M + the available balance of node N; node M has no descendant nodes, therefore, the node credit of node M = the available balance of node M.

[0056] It can be understood that if the available balances of nodes at the same level are all greater than or equal to 0, it means that the nodes at this level have achieved liquidation and balancing; if the node amounts of the positive balance nodes at the same level are all 0, it means that there are no positive balance nodes available for liquidation and balancing at this level, and the nodes at this level may have achieved liquidation and balancing, or there may be negative balance nodes that have not yet achieved liquidation and balancing.

[0057] In order to further improve the comprehensiveness of enterprise fund data processing and enhance the reliability of enterprise transactions, such as Figure 2 As shown, in one embodiment of the present application, after step 102, the following is further included:

[0058] Step 201: According to the target enterprise organization structure tree, multiple groups of node groups are obtained, each group of node groups includes: the root node of the target enterprise organization structure tree, the child nodes of the root node and the descendant nodes of the child nodes, the child nodes of the root node in each group of node groups are unique, and the child nodes of the root node in each group of node groups are different.

[0059] Step 202: If there is a target node group containing negative balance nodes and positive balance nodes, the node quotas of the positive balance nodes and the available balances of the negative balance nodes in the target node group are applied to perform vertical fund settlement processing, so that the available balances of the nodes in the target node group are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

[0060] Specifically, if the horizontal fund clearing process cannot fill all nodes at the current level, vertical clearing is used from top to bottom. For example, Figure 4 As shown, Figure 4 The A, C, E, F, G, I, K, L, and M nodes are positive balance nodes, and B, D, H, J, and N are negative balance nodes:

[0061] Vertical 1: Starting from vertex A, traverse all nodes on the left branch, where B is a negative balance node, A, F, and G are positive balance nodes, and sort the positive balance nodes in descending order according to the node quota to obtain sequence 1, such as the order is F->G->A; and sort the negative balance nodes in ascending order according to the absolute value of the available balance to obtain sequence 2, such as the order is B. Then the liquidation calculation result in vertical 1 should be: debit F and credit B; if the node quota of F is not enough to make up, continue to use debit G and credit B, debit A and credit B, until the node quotas of all positive balance nodes in sequence 1 are used up, and update to the liquidation quota table. Furthermore, the intra-enterprise shared funds used for payment are the maximum contribution funds in the pool. If it exceeds the intra-enterprise shared funds, the payment fails.

[0062] Vertical 2: Starting from vertex A, traverse all nodes of the second branch on the left, where H and N are negative balance nodes, A, C, I, and M are positive balance nodes, and sort the positive balance nodes in descending order according to the node quota to obtain sequence 3, such as the order of A->C->I->M; sort the negative balance nodes in ascending order according to the absolute value of the available balance to obtain sequence 4, such as the order of N->M. The liquidation calculation result in vertical 2 should be: debit A and credit N, debit C and credit M. If the node quota of nodes A and C is not enough to make up, continue to use debit I and credit N, debit I and credit M until the positive balance of all nodes in sequence 3 (that is, the node quota is positive) is used up, and the liquidation quota table is updated.

[0063] By analogy, the principles of longitudinal 3 and longitudinal 4 are similar to those of longitudinal 1 and 2, and longitudinal 1 to longitudinal 4 can be equivalent to different node groups.

[0064] In order to simplify the liquidation process, improve processing efficiency, and effectively release more computer resources, see Figure 3 In one embodiment of the present application, the node quotas of the positive balance nodes and the available balances of the negative balance nodes of the application level described in step 102 are used for horizontal fund clearing processing, so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0, including:

[0065] Step 301: sort the negative balance nodes of the level from low to high according to the absolute value of the available balance, and sort the positive balance nodes from high to low according to the node amount.

[0066] In one example, if the available balances of nodes from node A to node N are successively: 10, -60, 500, -50, 80, 80, 90, -60, 70, -70, 60, 50, 100, -550; the node limit of node A is -40; the available balances of nodes B to E at the same level are successively: -60, 500, -50, 80, and the node limits are: 110, 60, -50, 120. Nodes B and D are sorted from the lowest to the highest absolute value of the available balance as D -> B, nodes C and E are sorted from the highest to the lowest node limit as E -> C, and the absolute value of the available balance of node D, 50 < the node limit of node E, 120. Therefore, borrow from E and lend to D, change the available balance of node D to 50 - 50 = 0, change the node limit of node D to 0, change the node limit of node E to 120 - 50 = 70, and the available balance of node E remains unchanged, and so on.

[0067] Further, for nodes in the same node group, such as nodes A, B, F, and G, the available balances are successively 10, -60, 80, 90, and the node limits are successively: 120, 110, 80, 90. The positive balance nodes are sorted as G -> F -> A. The absolute value of the available balance of node B, 60 < the node limit of node G, 90. Then change the available balance of node B to 0, change the node limit of node B to 80 + 90 + 0 = 170, change the node limit of node G to 90 - 60 = 30, and the available balance of node G remains unchanged, and so on.

[0068] Step 302: Take the first negative balance node as the target negative balance node, and take the first positive balance node as the target positive balance node;

[0069] Step 303: Execute the fund clearing process step, which includes: if the target negative balance is less than the node limit of the target positive balance node, then update the node limit of the target positive balance node to the difference between the node limit of the target positive balance node and the target negative balance, and update the available balance of the target negative balance node to 0; the target negative balance is the absolute value of the available balance of the target negative balance node.

[0070] Step 304: If there is a next negative balance node, then take this next negative balance node as the target negative balance node, take the updated target positive balance node as the target positive balance node, and return to execute the fund clearing process step.

[0071] For example, as Figure 4 shown, nodes B, D, H, J, and N all have negative balances (i.e., the available balances are negative). Process the clearing limit table according to the rules of top-down, first horizontal then vertical:

[0072] Horizontal 1: In level 2, nodes B and D are negative balance nodes, and nodes C and E are positive balance nodes. Then, according to the preset clearing priority, the positive balance nodes are sorted in descending order to obtain sequence 5, such as E->C; the negative balance nodes are sorted in ascending order to obtain sequence 6, such as D->B. The clearing calculation result in horizontal 1 should be: debit E and credit D, debit E and credit B. If the positive balance of E (that is, the node quota is positive) is not enough to make up, continue to use debit C and credit D, debit C and credit B. Until all positive amounts in sequence 5 are used up, and the clearing quota table is updated.

[0073] Horizontal 2: Similar to horizontal 1, the positive balance nodes are sorted in descending order to obtain sequence 7, such as G->F->I->K->L; the negative balance nodes are sorted in ascending order to obtain sequence 8, such as H->J. Then the liquidation calculation result in horizontal 2 should be: debit G and credit H, debit F and credit J. This continues until all positive balances in sequence 7 are used up, and the latest amount is updated to the liquidation amount table.

[0074] By analogy, the principle of horizontal 3 is similar to that of horizontal 1 and 2.

[0075] In order to further improve the reliability of fund data processing, in one embodiment of the present application, the fund data processing method further includes:

[0076] Step 401: If the target negative balance is equal to the node credit of the target positive balance node, the node credit of the target positive balance node and the available balance of the target negative balance node are updated to 0.

[0077] Step 402: If there is a next negative balance node and a positive balance node, the next negative balance node is used as the target negative balance node, and the next positive balance node is used as the target positive balance node, and the fund clearing processing step is returned to be executed.

[0078] It is understandable that if there is no next negative balance node, the current operation is terminated.

[0079] In order to further improve the reliability of fund data processing, in one embodiment of the present application, the fund data processing method further includes:

[0080] Step 501: If the target negative balance is greater than the node credit of the target positive balance node, the target negative balance is updated to the difference between the target negative balance and the node credit of the target positive balance node, and the node credit of the target positive balance node is updated to 0.

[0081] It can be understood that the available balance of the updated target positive balance node is still less than 0.

[0082] Step 502: If there is a next positive balance node, the next positive balance node is used as the target positive balance node, the updated target negative balance node is used as the target negative balance node, and the fund settlement processing step is returned to be executed.

[0083] In order to further improve the efficiency of fund data processing, in one embodiment of the present application, after step 303, it also includes: if the current target negative balance node is the last negative balance node, then the current operation is terminated.

[0084] In order to further illustrate this solution, this application provides an application example of a method for processing funds data, see Figure 5 In this application example, the method includes:

[0085] Step S001: traverse the fund pool protocol from bottom to top; that is, open a cursor on the fund pool protocol, obtain the maximum level of the pool, start from the node of the maximum level, and traverse all nodes from bottom to top in order from left to right.

[0086] Specifically, for an enterprise's capital pool, if an overdraft is used, a clearing transaction can be triggered, and members with surplus balances in the pool can make up for members with negative balances in the pool. Batch job scheduling can be set up through pre-set clearing sessions and clearing time points, and clearing processing can be triggered in real time. It also supports real-time triggering of clearing processing through transactions, realizing quasi-real-time clearing and balancing.

[0087] Step S002: Obtain the available balance of the node; that is, obtain the available balance of the account corresponding to the node, which is recorded as the clearing limit of the node.

[0088] Step S003: Obtain the node quota of the current node, node quota = liquidation quota + the sum of liquidation quotas of the subordinate branch nodes, the subordinate branch nodes may be equivalent to the descendant nodes of the current node.

[0089] Step S004: Register the node quota and available balance to the clearing quota table; each node can be registered in the clearing quota table.

[0090] Specifically, funds can be transferred and recorded to the nodes according to the clearing calculation details.

[0091] Step S005: Determine whether there is a node with an available balance less than 0; if so, execute step S006, otherwise, terminate the current operation; that is, open a cursor on the clearing quota table. If there is a node with an available balance less than 0 in the pool, it means that the pool has a negative balance and needs to be cleared and balanced.

[0092] Step S006: traverse the liquidation quota table from top to bottom; the liquidation quota table may include nodes in the enterprise organization structure tree and relationship information between nodes. Traversing the liquidation quota table from top to bottom may mean starting from the root node of the enterprise organization structure tree, using pre-order traversal and hierarchical traversal, that is, first traversing the current node, then traversing its left child node, and then traversing its right child node.

[0093] Step S007: horizontal leveling. Step S007 includes:

[0094] Specifically, the node quotas of nodes at the same level are used to make up the difference. For the clearing priorities pre-set in accordance with the agreement at the same level, the nodes with clearing quotas greater than or equal to 0 and node quotas greater than or equal to 0 are arranged in descending order to obtain the horizontal positive balance sequence X1; the nodes with clearing quotas less than 0 are arranged in ascending order to obtain the horizontal negative balance sequence Y1. Then, according to the accounting calculation of debiting X1 and crediting Y1, the clearing calculation results are registered in the clearing details, where the clearing amount is the absolute value of the negative balance in the negative balance sequence Y1. At the same time, the clearing quota table is updated according to the amount.

[0095] Step S008: Vertical leveling.

[0096] Specifically, a cursor is opened for the clearing quota table after clearing at the same level, and pre-order traversal is used to sort the nodes whose clearing quota is greater than or equal to 0 and whose node quota is greater than or equal to 0 in descending order to obtain the vertical positive balance sequence X2; the nodes whose clearing quota is less than 0 are sorted in ascending order to obtain the vertical negative balance sequence Y2. Then, according to the accounting calculation of debiting X2 and crediting Y2, the clearing calculation result is registered in the clearing details, where the clearing amount is the absolute value of the negative balance in the negative balance sequence Y2. At the same time, the clearing quota table is updated according to the amount.

[0097] Steps S007 and S008 are processed until the negative balances of all nodes are balanced, that is, the clearing amounts of all nodes are greater than or equal to 0, and the clearing test results are recorded in the clearing details.

[0098] Step S009: traverse the settlement details; that is, open a cursor on the settlement details registered in the settlement measurement processing unit result, and traverse in the order of registration (horizontally first and then vertically).

[0099] Step S010: perform accounting processing according to the principle of horizontal first and vertical second and the debit and credit relationship in the clearing details; that is, process the account of the clearing schedule according to the debit and credit relationship and the debit and credit amount in the clearing details, and update the latest balance of the node.

[0100] Specifically, after the settlement is completed on the same day, no negative balance will be generated, and the settlement process is terminated.

[0101] From the software level, in order to improve the efficiency of fund clearing and processing, and thus ensure the normal transaction process of the enterprise, the present application provides an embodiment of a fund data processing device for implementing all or part of the contents of the fund data processing method, see Figure 6 , the fund data processing device specifically includes the following contents:

[0102] The acquisition module 10 is used to acquire the available balance of each node in the target enterprise organization structure tree.

[0103] The same-layer clearing module 20 is used to perform horizontal fund clearing processing by applying the node quota of the positive balance node and the available balance of the negative balance node of the layer if there are positive balance nodes and negative balance nodes in the same layer, so that the available balance of the nodes at the layer is greater than or equal to 0 or the node quota of the positive balance node is 0.

[0104] The positive balance node is a node whose node quota is greater than or equal to 0 and whose available balance is greater than or equal to 0, and the negative balance node is a node whose available balance is less than 0. The node quota is the sum of the available balance of the node and the available balances of each descendant node of the node.

[0105] In one embodiment of the present application, the fund data processing device further includes:

[0106] The partitioning module is used to obtain multiple groups of node groups according to the target enterprise organization structure tree, each group of node groups includes: the root node of the target enterprise organization structure tree, the child nodes of the root node and the descendant nodes of the child nodes, the child nodes of the root node in each group of node groups are unique, and the child nodes of the root node in each group of node groups are different.

[0107] A vertical clearing module is used to perform vertical fund clearing processing on the target node group if there is a target node group containing negative balance nodes and positive balance nodes, using the node quotas of the positive balance nodes and the available balances of the negative balance nodes in the target node group, so that the available balances of the nodes in the target node group are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

[0108] The embodiment of the fund data processing device provided in this specification can be specifically used to execute the processing flow of the embodiment of the above-mentioned fund data processing method. Its functions are not described in detail here, and reference can be made to the detailed description of the embodiment of the above-mentioned fund data processing method.

[0109] From the above description, it can be seen that the fund data processing method and device provided by the present application can improve the efficiency of fund clearing and processing, thereby ensuring the normal transaction process of the enterprise; it can effectively solve the problem of negative balance replenishment of enterprise branches, and has the following specific advantages: (1) simplifying the clearing process processing, improving processing efficiency, and effectively releasing more computer resources; (2) greatly improving the liquidity of funds in the fund pool, greatly improving the success rate of clearing and replenishment, and reducing the risk of bank advances; (3) supporting complex and changeable enterprise organization structure trees.

[0110] From the hardware level, in order to improve the efficiency of fund clearing and processing, and thus ensure the normal transaction process of the enterprise, the present application provides an embodiment of an electronic device for implementing all or part of the contents of the fund data processing method. The electronic device specifically includes the following contents:

[0111] A processor, a memory, a communications interface and a bus; wherein the processor, the memory and the communications interface communicate with each other through the bus; the communications interface is used to realize information transmission between the fund data processing device and related devices such as user terminals; the electronic device can be a desktop computer, a tablet computer and a mobile terminal, etc., but the present embodiment is not limited thereto. In the present embodiment, the electronic device can be implemented with reference to the embodiments for realizing the fund data processing method and the embodiments for realizing the fund data processing device, and the contents thereof are incorporated herein, and the repeated parts are not repeated.

[0112] Figure 7 FIG. 9 is a schematic block diagram of the system structure of the electronic device 9600 according to an embodiment of the present application. Figure 7 As shown, the electronic device 9600 may include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. It is worth noting that Figure 7 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0113] In one or more embodiments of the present application, the fund data processing function may be integrated into the central processor 9100. The central processor 9100 may be configured to perform the following control:

[0114] Step 101: Obtain the available balance of each node in the target enterprise organization structure tree.

[0115] Step 102: If there are positive balance nodes and negative balance nodes in the same level, the node quotas of the positive balance nodes and the available balances of the negative balance nodes of the level are applied to perform horizontal fund settlement processing, so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

[0116] It can be seen from the above description that the electronic device provided by the embodiment of the present application can improve the efficiency of fund settlement processing, thereby ensuring the normal transaction process of the enterprise.

[0117] In another embodiment, the fund data processing device may be configured separately from the central processor 9100. For example, the fund data processing device may be configured as a chip connected to the central processor 9100, and the fund data processing function is implemented under the control of the central processor.

[0118] like Figure 7 As shown, the electronic device 9600 may also include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is worth noting that the electronic device 9600 does not necessarily have to include Figure 7 In addition, the electronic device 9600 may also include Figure 7 For components not shown, reference may be made to the prior art.

[0119] like Figure 7 As shown, the central processing unit 9100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor device and / or logic device. The central processing unit 9100 receives input and controls the operation of various components of the electronic device 9600.

[0120] The memory 9140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 9100 may execute the program stored in the memory 9140 to implement information storage or processing, etc.

[0121] The input unit 9120 provides input to the central processing unit 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used to display display objects such as images and texts. The display may be, for example, an LCD display, but is not limited thereto.

[0122] The memory 9140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 9600 through the central processor 9100.

[0123] The memory 9140 may also include a data storage unit 9143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0124] The communication module 9110 is a transmitter / receiver 9110 that sends and receives signals via an antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0125] Based on different communication technologies, multiple communication modules 9110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module, etc. The communication module (transmitter / receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide an audio output via the speaker 9131 and receive an audio input from the microphone 9132, thereby realizing a common telecommunication function. The audio processor 9130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 9130 is also coupled to the central processor 9100, so that recording can be performed on the local machine through the microphone 9132, and the sound stored on the local machine can be played through the speaker 9131.

[0126] It can be seen from the above description that the electronic device provided by the embodiments of the present application can improve the efficiency of fund settlement processing, thereby ensuring the normal transaction process of the enterprise.

[0127] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps in the fund data processing method in the above embodiments. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps in the fund data processing method in the above embodiments are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0128] Step 101: Obtain the available balance of each node in the target enterprise organization structure tree.

[0129] Step 102: If there are positive balance nodes and negative balance nodes in the same level, the node quotas of the positive balance nodes and the available balances of the negative balance nodes of the level are applied to perform horizontal fund settlement processing, so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

[0130] It can be seen from the above description that the computer-readable storage medium provided in the embodiment of the present application can improve the efficiency of fund settlement processing, thereby ensuring the normal transaction process of the enterprise.

[0131] In this application, each embodiment of the above method is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For relevant parts, refer to the partial description of the method embodiment.

[0132] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0133] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0134] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0135] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0136] Specific embodiments are used in this application to illustrate the principles and implementation methods of this application. The description of the above embodiments is only used to help understand the method and core idea of ​​this application. At the same time, for those skilled in the art, according to the idea of ​​this application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on this application.

Claims

1. A method for processing funds data, characterized in that: include: Get the available balance of each node in the target enterprise organization structure tree; If there are positive balance nodes and negative balance nodes in the same level, the node quota of the positive balance nodes and the available balance of the negative balance nodes of the level shall be used for horizontal fund settlement processing, so that the available balance of the nodes of the level are all greater than or equal to 0 or the node quota of the positive balance nodes are all 0; The fund data processing method further includes: if the available balances of nodes at the same level are all greater than or equal to 0, determining that the nodes at the same level have achieved liquidation and balancing; if the node amounts of the positive balance nodes in the nodes at the same level are all 0, determining that there are no positive balance nodes at the level for liquidation and balancing; The positive balance node is a node whose node quota is greater than or equal to 0 and whose available balance is greater than or equal to 0, and the negative balance node is a node whose available balance is less than 0. The node quota is the sum of the available balance of the node and the available balances of all descendant nodes of the node; The horizontal fund clearing process is performed by applying the node quotas of the positive balance nodes and the available balances of the negative balance nodes of the level so that the available balances of the nodes of the level are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0, including: Sort the negative balance nodes of the level from low to high according to the absolute value of the available balance, and sort the positive balance nodes from high to low according to the node amount; The first negative balance node is used as the target negative balance node, and the first positive balance node is used as the target positive balance node; Executing a fund settlement processing step, the fund settlement processing step comprising: if the target negative balance is less than the node quota of the target positive balance node, updating the node quota of the target positive balance node to the difference between the node quota of the target positive balance node and the target negative balance, and updating the available balance of the target negative balance node to 0; the target negative balance is the absolute value of the available balance of the target negative balance node; If there is a next negative balance node, the next negative balance node is used as the target negative balance node, the updated target positive balance node is used as the target positive balance node, and the funds clearing processing step is returned to be executed; After the available balance of the target negative balance node is updated to 0, the method further includes: If the current target negative balance node is the last negative balance node, the current operation is terminated.

2. The method for processing funds data according to claim 1, characterized in that: After the node quota of the positive balance node and the available balance of the negative balance node of the application level are used for horizontal fund settlement processing, the following further includes: According to the target enterprise organization structure tree, a plurality of node groups are obtained, each node group includes: a root node of the target enterprise organization structure tree, a child node of the root node, and a descendant node of the child node, the child node of the root node in each node group is unique, and the child nodes of the root node in each node group are different; If there is a target node group containing negative balance nodes and positive balance nodes, the node quotas of the positive balance nodes and the available balances of the negative balance nodes in the target node group are applied to perform vertical fund settlement processing, so that the available balances of the nodes in the target node group are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

3. The method for processing funds data according to claim 1, characterized in that: Also includes: If the target negative balance is equal to the node credit of the target positive balance node, the node credit of the target positive balance node and the available balance of the target negative balance node are updated to 0; If there is a next negative balance node and a positive balance node, the next negative balance node is used as the target negative balance node, and the next positive balance node is used as the target positive balance node, and the process returns to execute the fund settlement processing step.

4. The method for processing funds data according to claim 1, characterized in that: Also includes: If the target negative balance is greater than the node credit of the target positive balance node, the target negative balance is updated to the difference between the target negative balance and the node credit of the target positive balance node, and the node credit of the target positive balance node is updated to 0; If there is a next positive balance node, the next positive balance node is used as the target positive balance node, the updated target negative balance node is used as the target negative balance node, and the process returns to execute the fund settlement processing step.

5. A fund data processing device, characterized in that: include: An acquisition module, used to acquire the available balance of each node in the target enterprise organization structure tree; The same-layer clearing module is used to apply the node quota of the positive balance node and the available balance of the negative balance node of the layer to perform horizontal fund clearing processing if there are positive balance nodes and negative balance nodes in the same layer, so that the available balance of the nodes of the layer is greater than or equal to 0 or the node quota of the positive balance node is 0; The positive balance node is a node whose node quota is greater than or equal to 0 and whose available balance is greater than or equal to 0, and the negative balance node is a node whose available balance is less than 0. The node quota is the sum of the available balance of the node and the available balances of all descendant nodes of the node; The fund data processing device is further used to: if the available balances of nodes at the same level are all greater than or equal to 0, determine that the nodes at the same level have achieved liquidation and balancing; if the node amounts of the positive balance nodes in the nodes at the same level are all 0, determine that there are no positive balance nodes at the level for liquidation and balancing; The same-layer clearing module is specifically used for: Sort the negative balance nodes of the level from low to high according to the absolute value of the available balance, and sort the positive balance nodes from high to low according to the node amount; The first negative balance node is used as the target negative balance node, and the first positive balance node is used as the target positive balance node; Executing a fund settlement processing step, the fund settlement processing step comprising: if the target negative balance is less than the node quota of the target positive balance node, updating the node quota of the target positive balance node to the difference between the node quota of the target positive balance node and the target negative balance, and updating the available balance of the target negative balance node to 0; the target negative balance is the absolute value of the available balance of the target negative balance node; If there is a next negative balance node, the next negative balance node is used as the target negative balance node, the updated target positive balance node is used as the target positive balance node, and the funds clearing processing step is returned to be executed; The same-layer clearing module is further used to terminate the current operation if the current target negative balance node is the last negative balance node.

6. The fund data processing device according to claim 5, characterized in that: Also includes: A partitioning module, used to obtain multiple groups of node groups according to the target enterprise organization structure tree, each group of node groups includes: a root node of the target enterprise organization structure tree, a child node of the root node, and a descendant node of the child node, the child node of the root node in each group of node groups is unique, and the child nodes of the root node in each group of node groups are different; A vertical clearing module is used to perform vertical fund clearing processing on the target node group if there is a target node group containing negative balance nodes and positive balance nodes, using the node quotas of the positive balance nodes and the available balances of the negative balance nodes in the target node group, so that the available balances of the nodes in the target node group are all greater than or equal to 0 or the node quotas of the positive balance nodes are all 0.

7. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the fund data processing method described in any one of claims 1 to 4 is implemented.

8. A computer-readable storage medium having computer instructions stored thereon, characterized in that: When the instruction is executed, the fund data processing method described in any one of claims 1 to 4 is implemented.

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