一种款项管理的方法和装置

By generating prepayment recharge orders and linking them to accounts, the target recharge order and its deduction amount are determined, and funds are settled and frozen. This solves the problem of unclear use of prepayments and realizes detailed management of prepayment accounts and flexibility in fund use.

CN115829563BActive Publication Date: 2026-07-17BEIJING JINGDONG ZHENSHI INFORMATION TECH CO LTD

Patent Information

Authority / Receiving Office
CN · China
Patent Type
Patents(China)
Current Assignee / Owner
BEIJING JINGDONG ZHENSHI INFORMATION TECH CO LTD
Filing Date
2022-11-28
Publication Date
2026-07-17

AI Technical Summary

Technical Problem

The use of prepayments in existing technologies is unclear, resulting in insufficient detail in the management of funds in the account and risks to financial analysis and fund control.

Method used

By generating a prepayment recharge order and associating it with the corresponding prepayment account, the target prepayment recharge order and its deduction amount are determined, a prepayment settlement order is generated, funds are settled, funds equal to the deduction amount are frozen, the available amount is updated, and a data analysis dashboard is generated.

Benefits of technology

It improves the level of detail in the management of funds in the prepayment account, ensures that the use of funds does not exceed the limit, and presents the use of funds in real time, which facilitates the deduction and write-off of prepayments and financial control.

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Abstract

本发明公开了一种款项管理的方法和装置,涉及计算机技术领域。款项管理的方法的一具体实施方式包括:响应于接收到预付款充值请求,生成预付款充值单,将所述预付款充值单与对应的预付款账户关联;响应于针对所述预付款账户的预付款抵扣请求,根据从所述预付款抵扣请求中解析出的结算金额,确定所述预付款账户关联的部分或全部预付款充值单作为目标预付款充值单,确定每个所述目标预付款充值单的抵扣金额,生成预付款结算单;根据所述预付款结算单进行资金结算,根据结算结果更新各个所述目标预付款充值单的可用金额。该实施方式使得预付款账户内的资金情况更明晰,提高账户内资金存取的灵活性,有利于细化预付款账户的资金管理。
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