Method, device, medium and electronic equipment for transferring credit funds

Abstract

The present application relates to the field of data processing technology, and discloses a method, device, medium, and electronic device for transferring credit funds. The method comprises: receiving a transfer request; traversing the status values ​​of multiple positions in a fund status table, and when the status value is a predetermined value, calculating the credit fund number corresponding to the position based on the position information of the position where the status value is located, and obtaining the credit fund information corresponding to the credit fund number; determining at least one position in the fund status table that needs to update the status based on the transfer request and the credit fund information; updating at least one of the status values ​​at at least one position to obtain an updated fund status table; and transferring at least one credit fund at the same time based on the updated fund status table. The present invention can realize the simultaneous update of the fund status table, avoid the risk of data inconsistency during fund transfer, and at the same time reduce the number of database updates, improve program execution efficiency, and reduce the risk of transaction timeouts.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device medium and electronic equipment for transferring credit funds. Background Art

[0002] Regulatory requirements dictate that each credit transfer requires monitoring of fund flows for compliance and updating the fund usage status after the transfer. Currently, after a credit transfer, an asynchronous process is created to update the fund status of each credit item. This asynchronous update can cause transaction timeouts due to excessive database updates, limiting timeliness and increasing the risk of data inconsistency. Summary of the Invention

[0003] The embodiments of the present application provide a method, device medium and electronic device for transferring credit funds.

[0004] In the first aspect, an embodiment of the present application provides a method for transferring credit funds, including a receiving step of receiving a transfer request; an acquiring step of traversing the status values ​​of multiple positions in a fund status table, and when the status value is a predetermined value, calculating the credit fund number corresponding to the position based on the position information of the position where the status value is located, and acquiring the credit fund information corresponding to the credit fund number; a determining step of determining, based on the transfer request and the credit fund information, at least one position in the fund status table whose status needs to be updated; an updating step of updating at least one status value at at least one position to obtain an updated fund status table; and a transferring step of simultaneously transferring at least one credit fund based on the updated fund status table.

[0005] In a possible implementation of the first aspect above, the acquisition step includes: reading the status value of the current position of the funds status table; judging whether the status value of the current position is a predetermined value; when the status value of the current position of the funds status table is the predetermined value, calculating the credit fund number corresponding to the position based on the position information of the position where the status value is located, and acquiring the credit fund information corresponding to the credit fund number.

[0006] In a possible implementation of the first aspect above, the determination step includes: judging whether the credit funds are available based on the information of the credit funds; when it is judged that the credit funds are available, recording the location information; judging whether at least one of the available credit funds meets the transfer amount requirement based on the information of the credit funds; when at least one of the available credit funds meets the transfer amount requirement, determining the position corresponding to the recorded at least one position information as at least one of the positions in the funds status table whose status needs to be updated.

[0007] In a possible implementation of the first aspect above, when new credit funds are to be recorded, information of the new credit funds is stored, and the credit fund number is added to the new credit funds, wherein, based on the credit fund number, the position information of the funds status table corresponding to the new credit funds is determined, and the status value at the position corresponding to the position information is set to the first status value.

[0008] In a possible implementation of the first aspect, the location information includes a sequence number L and a position K of the fund status table, wherein the sequence number L and the position K are calculated according to the following formulas 1 and 2, respectively:

[0009] L=S / n, take an integer, formula 1

[0010] K=S / n take the remainder, Formula 2

[0011] Wherein, S represents the credit fund number, and n represents the total number of positions in each fund status table.

[0012] In a possible implementation of the first aspect above, the transfer request includes the payee and the transfer amount, and the information of the credit funds includes the issuer, the immediate predecessor and the amount, wherein, when the payee is not the issuer or the immediate predecessor, it is determined that the credit funds are available.

[0013] In a possible implementation of the first aspect above, at least one of the available credit funds meets the requirement of the transfer amount, which means that the sum of at least one of the amounts in the information of at least one of the available credit funds is greater than or equal to the transfer amount.

[0014] In a possible implementation of the first aspect above, when the status value is not the predetermined value, or when the payee is the issuer or the direct predecessor, or when the sum of at least one amount of at least one available credit fund is less than the transfer amount, traverse to the next position of the funds status table and use the next position as the current position.

[0015] In a possible implementation of the first aspect above, the status value is the first status value, the second status value or the third status value, wherein the first status value indicates that the credit funds are not used, the second status value indicates that the credit funds are partially used, and the third status value indicates that the credit funds are fully used.

[0016] In a possible implementation of the first aspect, the state value being the predetermined value means that the state value is the first state value or the second state value.

[0017] In a possible implementation of the first aspect above, in the updating step, at least one of the status values ​​is simultaneously updated to the third status value or the second status value, thereby obtaining the updated funds status table.

[0018] In a possible implementation of the first aspect above, in the transfer step, at least one credit fund corresponding to at least one of the locations is simultaneously transferred to the payee according to the transfer request.

[0019] In a second aspect, an embodiment of the present application provides a device for transferring credit funds, the device comprising: a receiving unit for receiving a transfer request; an acquiring unit for traversing the status value of each position in a fund status table, and when the status value is a predetermined value, calculating the credit fund number corresponding to the position based on the position information of the position where the status value is located, and acquiring the credit fund information corresponding to the credit fund number; a determining unit for determining, based on the transfer request and the credit fund information, at least one position in the fund status table whose status needs to be updated; an updating unit for updating at least one status value at at least one position to obtain an updated fund status table; and a transferring unit for simultaneously transferring at least one credit fund based on the updated fund status table. The above-mentioned receiving unit, acquiring unit, determining unit, updating unit, and transferring unit can be implemented by a processor having the functions of these modules or units in an electronic device.

[0020] In a third aspect, an embodiment of the present application provides a computer-readable storage medium having instructions stored thereon, which, when executed on a computer, causes the computer to execute the method for transferring credit funds in the first aspect described above.

[0021] In a fourth aspect, an embodiment of the present application provides an electronic device comprising: one or more processors; one or more memories; the one or more memories storing one or more programs, which, when executed by the one or more processors, enables the electronic device to execute the method for transferring credit funds in the first aspect mentioned above.

[0022] The embodiments of the present invention can simultaneously (at one time) update the status value of the funds status table and simultaneously (at one time) transfer at least one discounted fund to the payee, thereby achieving simultaneous updates of the funds status table, avoiding the risk of data inconsistency during fund transfers, and reducing the number of times the database is updated, thereby improving program execution efficiency and reducing the risk of transaction timeouts. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 According to some embodiments of the present application, a flow chart of a method for transferring credit funds is shown;

[0024] Figure 2 According to some embodiments of the present application, a schematic diagram of a fund status table is shown;

[0025] Figure 3 According to some embodiments of the present application, a schematic diagram of two fund status tables is shown;

[0026] Figure 4 According to some embodiments of the present application, a schematic diagram of the specific process of steps 20 and 30 in the method of transferring credit funds is shown;

[0027] Figure 5 According to some embodiments of the present application, a structural diagram of an apparatus for transferring credit funds is shown;

[0028] Figure 6 According to some embodiments of the present application, a block diagram of an electronic device is shown. DETAILED DESCRIPTION

[0029] Illustrative embodiments of the present application include, but are not limited to, methods, devices, media, and electronic devices for transferring credit funds.

[0030] The embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

[0031] like Figure 1 , which is a flow chart of a method for transferring credit funds provided in an embodiment of the present application. In the embodiment of the present application, credit funds include various types of funds. In this embodiment, the credit funds are, for example, discounted funds.

[0032] It is understandable that multiple discounted funds that have been recorded are stored in the database for transferring discounted funds according to the method described below. The following describes in detail the process of recording a new discounted fund in the embodiment of the present application.

[0033] Specifically, when a new discount fund is entered into the account, the new discount fund information is stored and a discount fund number S is added to the new discount fund. The discount fund information includes the issuer, the immediate predecessor, and the amount. It can be understood that the discount fund number S is the amount of existing credit funds plus 1.

[0034] According to the discount fund number S, the position information of the fund status table corresponding to the new discount fund is determined, and the status value at the position corresponding to the position information is set to the first status value.

[0035] Figure 2 Schematic diagram of a fund status table in an embodiment of the present application. Figure 2As shown, the total number of positions in the fund status table is n, and the discount fund number S is, for example, n. Each position corresponds to a discount fund number, and each position has a corresponding discount fund status value. The status value can be a first status value "1", a second status value "2", or a third status value "3". The first status value "1" indicates that the discount fund is unused, the second status value "2" indicates that the discount fund is partially used, and the third status value "3" indicates that the discount fund is fully used.

[0036] It is understandable that when the discount fund number S is greater than n, a new fund status table is added. Figure 3 It is a schematic diagram of two fund status tables in the embodiment of this application. It can be understood that, Figure 3 Two fund status tables are shown in FIG, but the number of fund status tables is not limited thereto and may be increased according to the discount fund number S.

[0037] like Figure 3 As shown, the discount fund number S is, for example, 2n, and therefore, there are two corresponding fund status tables, namely, sequence number 0 and sequence number 1.

[0038] It is understood that the position information of the fund status table includes the sequence number L and the position K of the fund status table. The sequence number L and the position K can be calculated according to the following formula 1 and formula 2 respectively:

[0039] L=S / n, take an integer, formula 1

[0040] K=S / n take the remainder, Formula 2

[0041] It's understandable that when number S is an integer multiple of n, K = 0, but the actual position is the last digit in the corresponding fund status table. Therefore, when K = 0, a conversion is performed: let K = n, and L minus 1. For example, if n = 1000, this means that the total number of positions in a fund status table is 1000. When number S = 1000, the position information corresponding to this number should be position 1000 in the fund status table of sequence number 0. However, according to the formula, it is position 0 in the fund status table of sequence number 1. Therefore, a down-conversion is performed, resulting in K = 1000 and L = 1-1 = 0.

[0042] For the discount funds numbered S=1000, the position information is determined to be L=0, K=1000, and the state value at the position L0K1000 corresponding to the position information is set to the first state value "1" by default.

[0043] It is understandable that, for each newly added discount fund, its status value can be stored in the corresponding position of the fund status table.

[0044] The following combination Figure 1 Provide detailed description of the process of transferring discounted funds.

[0045] In the receiving step 10, a transfer request is received. The transfer request is made by the payer and includes a payee and a transfer amount.

[0046] It is understandable that if the payee includes a prohibited flow keyword, the operation of the transfer request will be stopped, otherwise the subsequent operation will continue.

[0047] In the acquisition step 20, the status value of each position in the fund status table is traversed. When the status value is a predetermined value, the discount fund number corresponding to the position is calculated based on the position information of the position where the status value is located, and the information of the discount fund corresponding to the discount fund number is obtained.

[0048] In the determination step 30, at least one location in the fund status table that needs to be updated is determined based on the transfer request and the discounted funds information.

[0049] Figure 4 yes Figure 1 The specific flow chart of step 20 and step 30 is as follows: Figure 4 Provide explanation.

[0050] like Figure 4 As shown, the acquisition step 20 includes steps 201-203, and the determination step includes steps 301-304.

[0051] In step 201, the status value of the current position of the fund status table is read. It can be understood that the status value is read starting from position L0K1, such as Figure 3 As shown, the status value of the position L0K1 is, for example, "1".

[0052] In step 202, it is determined whether the state value "1" of the current position L0K1 is a predetermined value. In this embodiment, the predetermined value is, for example, the first state value "1" or the second state value "2". If the state value "1" of the current position L0K1 is the first state value "1", then the process proceeds to step 203.

[0053] It is understandable that in step 202 , if the state value of position L0K1 is the third state value “3” instead of the first state value “1” or the second state value “2”, then the next position L0K2 is used as the current position and the process returns to step 201 .

[0054] In step 203, the discount fund number S corresponding to the position L0K1 is calculated based on the position information (L=0, K=1) of the position L0K1 where the state value "1" is located.

[0055] Specifically, the discount fund number S can be calculated according to Formula 3.

[0056] S=L×n+K Formula 3.

[0057] Thus, S=0×n+1=1.

[0058] Then, the information of the discounted funds corresponding to S=1 can be obtained, including the issuer, the immediate predecessor and the amount.

[0059] In step 301, the availability of the discounted funds is determined based on the discounted funds information. Here, the availability of the discounted funds is determined based on whether the payee is the drawer or the immediate predecessor. If the payee is not the drawer or the immediate predecessor, the discounted funds are determined to be available.

[0060] For example, if the payee in the transfer request is not the drawee or the immediate predecessor in the information of the discount fund numbered S=1, it is determined that the discount fund numbered S=1 is available, and step 302 is entered.

[0061] It can be understood that in step 301, if the payee in the transfer request is the drawee or direct predecessor in the information of the discount funds numbered S=1, it is determined that the discount funds numbered S=1 are unavailable, then the next position L0K2 is used as the current position, and returns to step 201.

[0062] In step 302, the position information (L=0, K=1) is recorded.

[0063] In step 303, it is determined whether the at least one available discount fund meets the transfer amount requirement based on the discount fund information. Here, the at least one available discount fund meeting the transfer amount requirement means that the sum of at least one amount in the at least one available discount fund information is greater than or equal to the transfer amount.

[0064] For example, the currently available discount funds are the discount funds of S=1. The amount contained in the information of the discount funds of S=1 is 100,000 yuan, while the transfer amount is 200,000 yuan. Therefore, the transfer amount requirement is not met. At this time, the next position L0K2 is used as the current position, and return to step 201.

[0065] According to the above method, when traversing to positions L0K2 and L0K3, for example, it is determined that the discount funds at S=2 and S=3 are unavailable. When traversing to position L0K4, for example, it is determined that the discount funds at S=4 are available. The location information (L=0, K=4) is recorded, and the amount contained in the discount fund information for S=4 is, for example, 150,000 yuan. In step 303, it is determined that the sum of the amounts in the available discount fund information for S=1 and S=4 is 100,000 yuan + 150,000 yuan = 250,000 yuan, which is greater than the transfer amount of 200,000 yuan, and then the process proceeds to step 304.

[0066] In step 304, the location corresponding to the at least one recorded location information is determined as at least one location in the fund status table whose status needs to be updated.

[0067] For example, as described above, the position information (L=0, K=1) and (L=0, K=4) are recorded, and then the positions L0K1 and L0K4 are determined as the two positions in the fund status table whose status needs to be updated.

[0068] Return Reference Figure 1 , entering update step 40. In step 40, the two status values ​​at positions L0K1 and L0K4 are simultaneously updated to obtain an updated funds status table. In this embodiment, based on a transfer amount of 200,000, a total of 200,000 yuan is transferred from the two discount funds numbered S=1 and S=4. Of these, 100,000 yuan is transferred from the discount fund numbered S=1, and 100,000 yuan is transferred from the discount fund numbered S=4. In this way, the discount fund numbered S=1 is fully utilized, while the discount fund numbered S=4 is partially utilized. Therefore, the two status values ​​"1" and "1" at the corresponding positions L0K1 and L0K4 are updated to the third status value "3" and the second status value "2", respectively, to obtain an updated funds status table.

[0069] It is understandable that if the amount included in the information of the discount funds numbered S=4 is, for example, RMB 100,000, then the state value “1” at L0K4 is also updated to the third state value “3”.

[0070] In the transfer step 50, at least one discount fund is transferred simultaneously according to the updated fund status table. Specifically, according to the transfer amount, the discount funds numbered S=1 and S=4 corresponding to positions L0K1 and L0K4 are transferred to the payee simultaneously.

[0071] From the above description, it can be seen that the embodiment of the present invention can simultaneously (at one time) update the status value of the funds status table and simultaneously (at one time) transfer at least one discounted fund to the payee. Therefore, the funds status table can be updated at the same time, avoiding the risk of data inconsistency during funds transfer. At the same time, the number of times the database is updated can be reduced, the program execution efficiency can be improved, and the risk of transaction timeout can be reduced.

[0072] The present invention also provides a device 500 for transferring credit funds, such as Figure 5As shown, the device 500 includes: a receiving unit 501, an acquisition unit 502, a determination unit 503, an update unit 504, and a transfer unit 505. The receiving unit 501 is used to receive a transfer request. The acquisition unit 502 is used to traverse the status value of each position in the fund status table. When the status value is a predetermined value, the credit fund number corresponding to the position is calculated based on the position information of the position where the status value is located, and the credit fund information corresponding to the credit fund number is obtained. The determination unit 503 determines at least one position in the fund status table that needs to update the status based on the transfer request and the credit fund information. The update unit 504 updates at least one status value at at least one position to obtain an updated fund status table. The transfer unit 505 simultaneously transfers at least one credit fund based on the updated fund status table.

[0073] It is understandable that the receiving unit 501, the obtaining unit 502, the determining unit 503, the updating unit 504 and the transferring unit 505 respectively perform the above-mentioned Figure 1 In addition, it can be understood that the acquisition unit 502 performs the above-mentioned steps 10-50. Figure 4 The content of steps 201-203 in the above step is determined by the determination unit 503. Figure 4 The above-mentioned receiving unit 501, obtaining unit 502, determining unit 503, updating unit 504 and transferring unit 505 can be implemented by a processor having the functions of these modules or units in the electronic device.

[0074] The present invention also provides a computer-readable storage medium, which stores instructions that, when executed on a computer, cause the computer to execute Figure 1 The method of transferring credit funds is shown in .

[0075] Now refer to Figure 6 , Figure 6 An example computer 1400 is schematically shown in accordance with an embodiment of the present invention. In one embodiment, the system 1400 may include one or more processors 1404, system control logic 1408 coupled to at least one of the processors 1404, system memory 1412 coupled to the system control logic 1408, non-volatile memory (NVM) 1416 coupled to the system control logic 1408, and a network interface 1420 coupled to the system control logic 1408.

[0076] In some embodiments, the processor 1404 may include one or more single-core or multi-core processors. In some embodiments, the processor 1404 may include any combination of general-purpose processors and specialized processors (e.g., graphics processors, application processors, baseband processors, etc.). In embodiments where the system 1400 employs an eNB (Evolved Node B) 101 or a RAN (Radio Access Network) controller 102, the processor 1404 may be configured to execute various embodiments, such as Figure 1 The embodiment shown.

[0077] In some embodiments, system control logic 1408 may include any suitable interface controller to provide any suitable interface to at least one of processors 1404 and / or any suitable device or component in communication with system control logic 1408 .

[0078] In some embodiments, the system control logic 1408 may include one or more memory controllers to provide an interface to the system memory 1412. The system memory 1412 may be used to load and store data and / or instructions. In some embodiments, the memory 1412 of the system 1400 may include any suitable volatile memory, such as a suitable dynamic random access memory (DRAM).

[0079] NVM / memory 1416 may include one or more tangible, non-transitory computer-readable media for storing data and / or instructions. In some embodiments, NVM / memory 1416 may include any suitable non-volatile memory such as flash memory and / or any suitable non-volatile storage device, such as at least one of an HDD (Hard Disk Drive), a CD (Compact Disc) drive, and a DVD (Digital Versatile Disc) drive.

[0080] NVM / storage 1416 may comprise a portion of the storage resources on the device on which system 1400 is installed, or it may be accessible to the device but not necessarily be part of the device. For example, NVM / storage 1416 may be accessed over a network via network interface 1420 .

[0081] In particular, system memory 1412 and NVM / storage 1416 may include, respectively, a temporary copy and a permanent copy of instructions 1424. Instructions 1424 may include instructions that, when executed by at least one of processors 1404, cause computer 1400 to perform the following operations: Figure 2In some embodiments, instructions 1424 , hardware, firmware, and / or software components thereof may additionally or alternatively reside in system control logic 1408 , network interface 1420 , and / or processor 1404 .

[0082] The network interface 1420 may include a transceiver for providing a radio interface for the system 1400 to communicate with any other suitable devices (such as front-end modules, antennas, etc.) via one or more networks. In some embodiments, the network interface 1420 may be integrated with other components of the system 1400. For example, the network interface 1420 may be integrated with at least one of the processor 1404, the system memory 1412, the NVM / storage 1416, and a firmware device (not shown) having instructions. When at least one of the processors 1404 executes the instructions, the computer 1400 implements the following. Figure 1 The method shown.

[0083] The network interface 1420 may further include any suitable hardware and / or firmware to provide a multiple-input multiple-output radio interface. For example, the network interface 1420 may be a network adapter, a wireless network adapter, a telephone modem, and / or a wireless modem.

[0084] In one embodiment, at least one of the processors 1404 may be packaged together with logic for one or more controllers of the system control logic 1408 to form a system-in-package (SiP). In one embodiment, at least one of the processors 1404 may be integrated on the same die with logic for one or more controllers of the system control logic 1408 to form a system-on-chip (SoC).

[0085] Computer 1400 may further include input / output (I / O) devices 1432. I / O devices 1432 may include a user interface that enables a user to interact with computer 1400, and peripheral component interfaces that enable peripheral components to interact with computer 1400. In some embodiments, computer 1400 may further include sensors for determining at least one of environmental conditions and location information related to computer 1400.

[0086] In some embodiments, the user interface may include, but is not limited to, a display (e.g., a liquid crystal display, a touch screen display, etc.), a speaker, a microphone, one or more cameras (e.g., a still camera and / or a video camera), a flashlight (e.g., an LED flash), and a keyboard. For example, the user interface may be used to display information about discounted funds, etc.

[0087] The various embodiments of the mechanisms disclosed in this application can be implemented in hardware, software, firmware, or a combination of these implementation methods. The embodiments of the present application can be implemented as a computer program or program code executed on a programmable system, which includes at least one processor, a storage system (including volatile and non-volatile memory and / or storage elements), at least one input device, and at least one output device.

[0088] Program code can be applied to input instructions to perform the functions described herein and generate output information. The output information can be applied to one or more output devices in a known manner. For purposes of this application, a processing system includes any system having a processor such as, for example, a digital signal processor (DSP), a microcontroller, an application specific integrated circuit (ASIC), or a microprocessor.

[0089] Program code can be implemented with a high-level programming language or an object-oriented programming language to communicate with the processing system. Where necessary, program code can also be implemented in assembly language or machine language. In fact, the mechanism described in this application is not limited to the scope of any particular programming language. In either case, the language can be a compiled language or an interpreted language.

[0090] In some cases, the disclosed embodiments can be implemented in hardware, firmware, software or any combination thereof. The disclosed embodiments can also be implemented as instructions carried or stored on one or more temporary or non-temporary machine-readable (e.g., computer-readable) storage media, which can be read and executed by one or more processors. For example, instructions can be distributed over a network or through other computer-readable media. Therefore, machine-readable media may include any mechanism for storing or transmitting information in a form readable by a machine (e.g., a computer), including but not limited to, floppy disks, optical disks, optical discs, read-only memories (CD-ROMs), magneto-optical disks, read-only memories (ROMs), random access memories (RAMs), erasable programmable read-only memories (EPROMs), electrically erasable programmable read-only memories (EEPROMs), magnetic or optical cards, flash memories, or tangible machine-readable memories for transmitting information (e.g., carrier waves, infrared signals, digital signals, etc.) using the Internet in electrical, optical, acoustic or other forms of propagation signals. Therefore, machine-readable media include any type of machine-readable media suitable for storing or transmitting electronic instructions or information in a form readable by a machine (e.g., a computer).

[0091] In the accompanying drawings, some structural or method features may be shown in a particular arrangement and / or order. However, it should be understood that such a particular arrangement and / or order may not be required. Rather, in some embodiments, these features may be arranged in a manner and / or order different from that shown in the illustrative drawings. In addition, the inclusion of a structural or method feature in a particular figure does not imply that such feature is required in all embodiments, and in some embodiments, such features may not be included or may be combined with other features.

[0092] It should be noted that the units / modules mentioned in the various device embodiments of the present application are all logical units / modules. Physically, a logical unit / module can be a physical unit / module, or a part of a physical unit / module, or can be implemented as a combination of multiple physical units / modules. The physical implementation of these logical units / modules themselves is not the most important. The combination of functions implemented by these logical units / modules is the key to solving the technical problems raised by this application. In addition, in order to highlight the innovative part of this application, the above-mentioned device embodiments of this application do not introduce units / modules that are not closely related to solving the technical problems raised by this application. This does not mean that other units / modules do not exist in the above-mentioned device embodiments.

[0093] It should be noted that in the examples and description of this patent, relational terms such as first and second, etc. are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device that includes a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, an element defined by the sentence "including a" does not exclude the presence of other identical elements in the process, method, article or device that includes the element.

[0094] Although the present application has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the application.

Claims

1. A method for transferring credit funds, characterized in that: The method comprises: A receiving step, receiving a transfer request; An acquisition step of traversing the status values ​​of multiple positions in a fund status table, and when the status value is a predetermined value, calculating a credit fund number corresponding to the position based on position information of the position where the status value is located, and acquiring credit fund information corresponding to the credit fund number, wherein the position information includes a sequence number L and a position K of the fund status table, and calculating the corresponding credit fund number S based on the following formula: S=L×n+K, where n is the total number of positions in the fund status table; a determining step of determining, based on the transfer request and the credit fund information, at least one position in the fund status table whose status needs to be updated; an updating step of updating at least one of the status values ​​at at least one of the positions to obtain an updated funds status table; a transfer step, transferring at least one of the credit funds simultaneously according to the updated fund status table, The determining step includes: Determining whether the credit funds are available based on the information about the credit funds; When it is determined that the credit funds are available, recording the location information; determining, based on the information of the credit funds, whether at least one of the available credit funds meets the transfer amount requirement in the transfer request; When the available at least one credit fund meets the transfer amount requirement, the location corresponding to the at least one recorded location information is determined as the at least one location in the fund status table whose status needs to be updated, In the transfer step, at least one credit fund corresponding to at least one of the locations is simultaneously transferred to the payee in the transfer request according to the transfer amount.

2. The method according to claim 1, characterized in that The obtaining step comprises: Reading the status value of the current position of the fund status table; Determining whether the state value of the current position is a predetermined value; When the status value of the current position of the fund status table is the predetermined value, the credit fund number corresponding to the position is calculated based on the position information of the position where the status value is located, and the credit fund information corresponding to the credit fund number is obtained.

3. The method according to claim 2, characterized in that When new credit funds are to be credited, the information of the new credit funds is stored and the credit fund number is added to the new credit funds. Wherein, according to the credit fund number, the position information of the fund status table corresponding to the new credit fund is determined, and the status value at the position corresponding to the position information is set to the first status value.

4. The method according to claim 3, characterized in that The sequence number L and the position K are calculated according to the following formula 1 and formula 2 respectively: L=S / n, take integer, formula 1 K=S / n take the remainder, formula 2 Wherein, S represents the credit fund number, and n represents the total number of positions in each fund status table.

5. The method according to claim 4, characterized in that The transfer request includes the beneficiary and the transfer amount, and the credit fund information includes the issuer, the immediate predecessor and the amount. Among them, when the payee is not the drawer or the direct predecessor, it is determined that the credit funds are available.

6. The method according to claim 5, characterized in that The at least one available credit fund meeting the requirement of the transfer amount means that the sum of at least one amount in the information of the at least one available credit fund is greater than or equal to the transfer amount.

7. The method according to claim 6, characterized in that When the status value is not the predetermined value, or when the payee is the issuer or the immediate predecessor, or when the sum of at least one amount of at least one available credit fund is less than the transfer amount, traverse to the next position of the fund status table and use the next position as the current position.

8. The method according to any one of claims 1 to 7, characterized in that The state value is the first state value, the second state value or the third state value, The first status value indicates that the credit funds are not used, the second status value indicates that the credit funds are partially used, and the third status value indicates that the credit funds are fully used.

9. The method according to claim 8, characterized in that The state value being the predetermined value means that the state value is the first state value or the second state value.

10. The method according to claim 9, characterized in that In the updating step, at least one of the status values ​​is updated to the third status value or the second status value, respectively, thereby obtaining the updated fund status table.

11. A device for transferring credit funds, characterized in that: The device comprises: A receiving unit, receiving a transfer request; an acquiring unit, traversing the status value of each position in the fund status table, and when the status value is a predetermined value, calculating a credit fund number corresponding to the position based on position information of the position where the status value is located, and acquiring credit fund information corresponding to the credit fund number, wherein the position information includes a sequence number L and a position K of the fund status table, and calculating the corresponding credit fund number S based on the following formula: S=L×n+K, where n is the total number of positions in the fund status table; a determining unit, configured to determine, based on the transfer request and the information about the credit funds, at least one position in the fund status table whose status needs to be updated; an updating unit, configured to update at least one of the status values ​​at at least one of the positions to obtain an updated funds status table; a transfer unit, which simultaneously transfers at least one of the credit funds according to the updated fund status table, Wherein, the determining unit includes: Determining whether the credit funds are available based on the information about the credit funds; When it is determined that the credit funds are available, recording the location information; determining, based on the information of the credit funds, whether at least one of the available credit funds meets the transfer amount requirement in the transfer request; When the available at least one credit fund meets the transfer amount requirement, the location corresponding to the at least one recorded location information is determined as the at least one location in the fund status table whose status needs to be updated, In the transfer unit, at least one credit fund corresponding to at least one of the locations is simultaneously transferred to the payee in the transfer request according to the transfer amount.

12. A computer-readable storage medium, characterized in that The storage medium stores instructions, which, when executed on a computer, enable the computer to execute the method for transferring credit funds according to any one of claims 1 to 10.

13. An electronic device, characterized in that: include: one or more processors; One or more memories; the one or more memories store one or more programs, and when the one or more programs are executed by the one or more processors, the electronic device executes the method for transferring credit funds as described in any one of claims 1 to 10.

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