Account funds management method and device

Abstract

The present invention discloses an account fund management method and device, which can be used in the financial field, wherein the method comprises: receiving a fund remittance transaction request, the fund remittance transaction request includes a transaction code; according to the transaction code, determining the fund source type information; matching the fund source type information with a pre-established list of fund sources to be circled; if the list is matched, circulate as special funds and set a circle mark in the debit card information; according to the circle mark, perform account fund management. The present invention can perform account fund management, realize sub-warehouse management of funds, and improve user experience.

Description

Technical Field

[0001] The present invention relates to the financial field, and in particular to an account fund management method and device. It should be noted that the account fund management method and device of the present invention can be used in the financial field, and can also be used in any field other than the financial field, and the application field of the account fund management method and device of the present invention is not limited. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] The regulatory authorities have special regulatory requirements for the scope of use of customer funds from special sources. In the existing account system, each card has only one current RMB account for POS card consumption, ATM withdrawals, etc., and the remaining accounts under the card are mostly used for financial management and fixed deposits. Therefore, it is necessary to distinguish the source of funds under the only RMB account for free transactions at ATM or POS.

[0004] The existing technology usually opens a new special fund usage account for the customer. The customer needs to select an account and distinguish between different accounts when withdrawing money, spending or paying, and the fund balances are also separated and divided, which is inconvenient to use and the customer experience is poor.

[0005] Therefore, there is an urgent need for an account funds management solution that can overcome the above problems. Summary of the invention

[0006] The embodiment of the present invention provides an account fund management method for performing account fund management, realizing sub-warehouse management of funds, and improving user experience. The method includes:

[0007] receiving a funds inflow transaction request, wherein the funds inflow transaction request includes a transaction code;

[0008] Determine the source of funds type information according to the transaction code;

[0009] Matching the fund source type information with a pre-established list of fund sources to be collected;

[0010] If the list is hit, it will be transferred as special funds and a transfer mark will be set in the debit card information;

[0011] The account funds are managed according to the transfer mark.

[0012] The embodiment of the present invention provides an account fund management device for performing account fund management, realizing sub-warehouse management of funds, and improving user experience. The device includes:

[0013] An inward remittance request receiving module, used to receive a fund inward remittance transaction request, wherein the fund inward remittance transaction request includes a transaction code;

[0014] A source type determination module, used to determine the source type information of funds according to the transaction code;

[0015] A list matching module, used to match the fund source type information with a pre-established list of fund sources to be collected;

[0016] The fund transfer module is used to transfer the funds to special funds if the list is hit and set a transfer mark in the debit card information;

[0017] The account fund management module is used to manage the account funds according to the transfer mark.

[0018] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned account funds management method when executing the computer program.

[0019] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned account fund management method is implemented.

[0020] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the above-mentioned account funds management method is implemented.

[0021] The embodiment of the present invention receives a transaction request for fund remittance, wherein the transaction request for fund remittance includes a transaction code; determines the source of funds type information according to the transaction code; matches the source of funds type information with a pre-established list of sources of funds to be circled; if the list is matched, the funds are circled as special funds and a circle mark is set in the debit card information; and manages the account funds according to the circle mark. The embodiment of the present invention classifies the sources of funds and pre-establishes a list of sources of funds to be circled. When receiving the transaction request for fund remittance, the source of funds type information is matched with a pre-established list of sources of funds to be circled; if the list is matched, the funds are circled as special funds and a circle mark is set in the debit card information, and then manages the account funds according to the circle mark, thereby realizing the separation of fund circle and storage, preventing misuse, effectively avoiding financial risks, and improving user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0023] Figure 1 This is a schematic diagram of an account funds management method in an embodiment of the present invention;

[0024] Figure 2 A schematic diagram of another account funds management method in an embodiment of the present invention;

[0025] Figure 3 This is a flow chart of account funds management in another specific embodiment of the present invention;

[0026] Figure 4 This is a flow chart of account funds management in another specific embodiment of the present invention;

[0027] Figure 5 This is a structural diagram of an account funds management device in an embodiment of the present invention;

[0028] Figure 6 This is a structural diagram of another account fund management device in an embodiment of the present invention;

[0029] Figure 7 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0030] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0031] First, the technical terms in the embodiments of the present invention are introduced:

[0032] Deposit: Within the same account of the same customer, a certain amount of funds is locked and named as a deposit code.

[0033] Own funds: Different from the above-mentioned circled funds, it is the ordinary and freely disposable funds in the personal deposit account. The funds come from cash deposits, ordinary transfers and remittances, etc.

[0034] Transaction code: a 6-digit bank transaction code, such as the ATM withdrawal code is 035060, the POS consumption code is 035061, etc.

[0035] As mentioned above, the problem with the existing method is that it is necessary to open a new special fund account for the customer. This is noticeable in the process of using the customer's money. Because the customer needs to select an account and distinguish different accounts during withdrawal, consumption or payment. And the fund balance is also separated and inconvenient to use. For example, if the customer has 500 yuan of own funds and 300 yuan of special funds, the balance query will be displayed separately. And if you want to pay a 600 yuan consumption, you need to piece together the funds from two accounts. This situation is difficult to sustain in many systems. The main problem is that one consumption will generate two transactions. It is easy to misunderstand from the customer's perspective.

[0036] In order to manage account funds, realize sub-warehouse management of funds, and improve user experience, the embodiment of the present invention provides an account fund management method, such as Figure 1 As shown, the method may include:

[0037] Step 101: receiving a fund inward remittance transaction request, wherein the fund inward remittance transaction request includes a transaction code;

[0038] Step 102: Determine the fund source type information according to the transaction code;

[0039] Step 103: Match the fund source type information with a pre-established list of fund sources to be collected;

[0040] Step 104: If the list is hit, the funds are transferred to special funds and a transfer mark is set in the debit card information;

[0041] Step 105: manage the account funds according to the transfer mark.

[0042] Depend on Figure 1 As shown, it can be known that the embodiment of the present invention receives a transaction request for fund remittance, and the transaction request for fund remittance includes a transaction code; determines the source of funds type information according to the transaction code; matches the source of funds type information with a pre-established list of sources of funds to be circled; if the list is matched, the funds are circled as special funds and a circle mark is set in the debit card information; and manages the account funds according to the circle mark. The embodiment of the present invention classifies the sources of funds and pre-establishes a list of sources of funds to be circled. When receiving a transaction request for fund remittance, the source of funds type information is matched with a pre-established list of sources of funds to be circled. If the list is matched, the funds are circled as special funds and a circle mark is set in the debit card information, and then the account funds are managed according to the circle mark, thereby realizing the sub-warehouse of fund circled, preventing misuse, effectively avoiding financial risks, and improving user experience.

[0043] In an embodiment, a funds remittance transaction request is received, the funds remittance transaction request including a transaction code; based on the transaction code, funds source type information is determined; the funds source type information is matched with a pre-established list of funds sources to be rounded up; if the list is matched, the funds are rounded up as special funds and a rounding up mark is set in the debit card information; and account funds management is performed based on the rounding up mark.

[0044] In this embodiment, if the list is hit, the special funds are transferred and a transfer mark is set in the debit card information, including: if the list is hit, the special funds are locked and a corresponding transfer code is allocated and a transfer mark is set in the debit card information.

[0045] In this embodiment, Figure 2 As shown, the account funds management method also includes:

[0046] Step 201: receiving a fund consumption transaction request, wherein the fund consumption transaction request includes debit card information and merchant type information;

[0047] Step 202: If the debit card information contains a deposit mark, the merchant type information is matched with a pre-established merchant type blacklist;

[0048] Step 203: If the blacklist is not hit, the special funds are released according to the deposit code;

[0049] Step 204: Conduct transactions based on the unlocked funds.

[0050] In this embodiment, the account funds management method further includes:

[0051] If you are on the blacklist, you will trade based on your own funds.

[0052] When implementing it, Figure 3 As shown in the figure, taking POS consumption as an example, a customer uses a card to consume at a merchant. The system receives a consumption request. Check the debit card information and find that there is a deposit mark. The deposit funds need to be processed. The merchant type management determines that the POS consumption transaction information will contain the merchant type information of the initiator. After the system obtains the transaction merchant type, it matches it in the merchant type code blacklist list. If it hits the blacklist, it is prohibited to use the deposit funds, but the own funds can be used. If it does not hit, the deposit funds can be used first. The system initiates the release operation based on the transaction amount and the deposit code HJK. If the transaction amount is smaller than the deposit amount, then part of the funds will be released according to the transaction amount for consumption. If the transaction amount is greater than the deposit amount, then all the deposited funds will be released, and the own funds will continue to be used together to make up the transaction amount and complete the consumption. For ATM withdrawal transactions, because the supervision allows withdrawals, the ATM withdrawal balance is displayed as own funds + deposited funds. There is no need to determine the merchant type during the withdrawal process, and the release and deduction can be directly realized.

[0053] The present invention divides funds into different types under the same current account by means of fund circle deposit, and names different circle deposit codes for different circles, so as to facilitate system identification when using funds. This scheme also constructs a flexibly configurable merchant type list parameter. It is used to record merchant types that cannot be traded. When a customer uses money for a transaction, it is predicted in advance whether the merchant type falls into the preset list range. If the preset merchant type is hit, the circled funds cannot be used, and only the own funds can be used. The main technical pain point solved by the present invention is to meet regulatory requirements while being as imperceptible to customers as possible. The funds are all in one deposit account, and the balance query shows the whole. The funds are used within the same account. Recording a transaction is convenient for customers to view. And strict control of blacklist merchant types is achieved.

[0054] A specific embodiment is given below to illustrate the specific application of account fund management in the embodiment of the present invention. Figure 4 As shown, account funds management is performed according to the following steps:

[0055] Use of Funds:

[0056] 1. Customers pay by credit card (POS machine);

[0057] 2. The POS system obtains information and forwards it to the core system;

[0058] 3. The core system obtains transaction data and checks the merchant type blacklist;

[0059] 4. If the item is on the blacklist, the user will use their own funds. If the item is not on the blacklist, the user will use special funds. If the special funds are insufficient to pay, the user will use the special funds and their own funds together to complete the consumption.

[0060] 5. Write transaction flow;

[0061] 6. Complete the consumption transaction.

[0062] The present invention circles funds, divides areas in the same current account to realize circle funds, and marks and distinguishes them with circle codes. In addition, a blacklist mechanism for merchant types of transactions is established to realize controllable use of special funds and meet regulatory requirements. In order to solve the problem of realizing fund sub-warehouse in the same account, the circle step cannot be bypassed. In order to accurately control different merchant types, the list of merchant types cannot be bypassed. The present invention increases the discrimination of the source of funds, thereby distinguishing the source of funds and preparing for fund sub-warehouse. Add a circle mark for the associated debit card, because most customer transaction behaviors such as swiping cards for consumption and inserting cards for withdrawals are all based on cards. Then, with the circle mark on the debit card, it is possible to quickly determine whether to perform the operation of uncircling special funds. Special calculation steps are added in terms of balance display, the purpose is to facilitate customer understanding and display experience. For customers, he does not need to clearly understand the details of the technical implementation. Special funds are also part of the customer's disposable funds. It should be summarized and displayed.

[0063] The present invention mainly has the following beneficial effects:

[0064] (1) Through simple logical judgment, special sources of funds are identified and stored in different warehouses to prevent misuse. This effectively avoids financial risks.

[0065] (2) Funds can be managed in separate warehouses within the same account, making it easier to count balances. Funds can also be easily deducted from the same account when used, and transaction flows are also displayed under the same account, making it easier for customers to understand. It can be said that this balance between strict control and customer insensitivity is achieved to the greatest extent possible.

[0066] (3) Through parameterized and flexibly configurable merchant type blacklists, differentiated merchant type transaction control can be effectively achieved, and high-risk merchant types can be limited to avoid financial risks as much as possible.

[0067] (4) Optimized query and balance display, which are more intuitive and convenient, and more in line with users' previous usage habits.

[0068] Based on the same inventive concept, the embodiment of the present invention also provides an account fund management device, as described in the following embodiments. Since the principles of solving these problems are similar to the account fund management method, the implementation of the account fund management device can refer to the implementation of the method, and the repeated parts will not be repeated.

[0069] Figure 5 FIG. 1 is a structural diagram of an account fund management device in an embodiment of the present invention. Figure 5 As shown, the account funds management device includes:

[0070] The inward remittance request receiving module 501 is used to receive a fund inward remittance transaction request, wherein the fund inward remittance transaction request includes a transaction code;

[0071] A source type determination module 502, used to determine the source type information of funds according to the transaction code;

[0072] List matching module 503, used for matching the fund source type information with a pre-established list of fund sources to be transferred;

[0073] A fund transfer module 504 is used to transfer the funds to special funds if the list is matched and set a transfer mark in the debit card information;

[0074] The account fund management module 505 is used to manage the account funds according to the transfer mark.

[0075] In one embodiment, the fund transfer module 504 is further used to: if the list is matched, lock the special funds, allocate the corresponding transfer code, and set a transfer mark in the debit card information.

[0076] In one embodiment, if Figure 6 The account fund management device shown also includes:

[0077] The consumption request receiving module 601 is used to receive a capital consumption transaction request, wherein the capital consumption transaction request includes debit card information and merchant type information;

[0078] A blacklist matching module 602 is used to match the merchant type information with a pre-established merchant type blacklist if a recharge mark is set in the debit card information;

[0079] The fund release module 603 is used to release the special funds according to the deposit code if the funds are not on the blacklist;

[0080] The fund transaction module 604 is used to conduct transactions based on the released funds.

[0081] In one embodiment, the fund transaction module 604 is further used to:

[0082] If you are on the blacklist, you will trade based on your own funds.

[0083] Based on the above invention concept, Figure 7 As shown, an embodiment of the present invention further provides a computer device 700, including a memory 710, a processor 720, and a computer program 730 stored in the memory 710 and executable on the processor 720, wherein the processor 720 implements the above-mentioned account fund management method when executing the computer program 730.

[0084] Based on the aforementioned inventive concept, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned account funds management method is implemented.

[0085] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the above-mentioned account funds management method is implemented.

[0086] The embodiment of the present invention receives a transaction request for fund remittance, wherein the transaction request for fund remittance includes a transaction code; determines the source of funds type information according to the transaction code; matches the source of funds type information with a pre-established list of sources of funds to be circled; if the list is matched, the funds are circled as special funds and a circle mark is set in the debit card information; and manages the account funds according to the circle mark. The embodiment of the present invention classifies the sources of funds and pre-establishes a list of sources of funds to be circled. When receiving the transaction request for fund remittance, the source of funds type information is matched with a pre-established list of sources of funds to be circled; if the list is matched, the funds are circled as special funds and a circle mark is set in the debit card information, and then manages the account funds according to the circle mark, thereby realizing the separation of fund circle and storage, preventing misuse, effectively avoiding financial risks, and improving user experience.

[0087] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0088] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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.

[0089] 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.

[0090] 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.

[0091] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for managing account funds, characterized in that: include: receiving a funds inflow transaction request, wherein the funds inflow transaction request includes a transaction code; Determine the source of funds type information according to the transaction code; Matching the fund source type information with a pre-established list of fund sources to be collected; If the list is hit, it will be transferred as special funds and a transfer mark will be set in the debit card information; Perform account fund management according to the transfer mark; If the list is hit, the special funds are transferred and a transfer mark is set in the debit card information, including: if the list is hit, the special funds are locked and a corresponding transfer code is allocated and a transfer mark is set in the debit card information; receiving a funds consumption transaction request, wherein the funds consumption transaction request includes debit card information and merchant type information; If the deposit mark is set in the debit card information, the merchant type information is matched with the pre-established merchant type blacklist; If it is not on the blacklist, the special funds will be released according to the deposit code; Trade based on the unlocked funds; If you are on the blacklist, you will trade based on your own funds.

2. An account fund management device, characterized in that: include: An inward remittance request receiving module, used to receive a fund inward remittance transaction request, wherein the fund inward remittance transaction request includes a transaction code; A source type determination module, used to determine the source type information of funds according to the transaction code; A list matching module, used to match the fund source type information with a pre-established list of fund sources to be collected; The fund transfer module is used to transfer the funds to special funds if the list is hit and set a transfer mark in the debit card information; An account fund management module, used to manage account funds according to the transfer mark; The fund transfer module is further used to: if the list is hit, lock the special funds, assign the corresponding transfer code and set the transfer mark in the debit card information; A consumption request receiving module, used to receive a capital consumption transaction request, wherein the capital consumption transaction request includes debit card information and merchant type information; A blacklist matching module is used to match the merchant type information with a pre-established merchant type blacklist if a recharge mark is set in the debit card information; The fund release module is used to release the special funds according to the deposit code if the funds are not on the blacklist; The fund transaction module is used to conduct transactions based on the funds after the circle is released; The capital transaction module is also used to: if the blacklist is hit, the transaction will be carried out based on the own funds.

3. A computer 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 computer program, the method of claim 1 is implemented.

4. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method of claim 1 is implemented.

5. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to claim 1 is implemented.

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