Fund redemption method and device, electronic equipment and computer storage medium

Abstract

The application discloses a fund redemption method and device, electronic equipment and computer storage medium. By obtaining type information of multiple payment data, each payment data is divided into at least one preset payment data set. The payment data indicated by the payment data in each preset payment data set is redeemed from a fund pool account to a fund intermediate account corresponding to the preset payment data set. Finally, the fund to be redeemed in each fund intermediate account is redeemed to at least one external account corresponding to the fund intermediate account. In this way, the direct contact between the fund pool account and the external account can be cut off through the fund intermediate account, the fund pool account is avoided to be exposed to the outside, and the security of the fund pool account is improved. In addition, by classifying the payment data according to the type corresponding to the payment data, the total amount of money required is redeemed from the fund pool account, the operation frequency of the fund pool account is reduced, and the possibility of error can be reduced.

Description

TECHNICAL FIELD

[0001] The application belongs to the technical field of fund management, and particularly relates to a fund redemption method and device, electronic equipment and computer storage medium. BACKGROUND

[0002] With the continuous improvement of information construction level, higher requirements have been put forward for the security of fund redemption payment. In the traditional fund redemption payment processing method, the payment account needs to be checked manually first, and after the check is correct, the system processes the payment data in batches, and the fund redemption operation is directly initiated by the fund pool account.

[0003] Since the fund pool account directly contacts the external account in the traditional method, the security of the fund pool account is reduced. In addition, processing each payment data needs to perform a redemption operation from the fund pool account, and the operation number of the fund pool is large, which increases the error rate. SUMMARY

[0004] The embodiments of the application provide a fund redemption method, device, electronic equipment and computer storage medium, which can improve the security of the fund pool account.

[0005] In a first aspect, the embodiments of the application provide a fund redemption method, which can include:

[0006] In the case of obtaining a plurality of payment data, type information of each payment data in the plurality of payment data is obtained, the payment data being used to indicate the to-be-redeemed fund to be redeemed to an external account;

[0007] According to the type information of the plurality of payment data, the payment data is divided into at least one preset payment data set, each preset payment data set including at least one payment data with the same type information, and at least one preset payment data set corresponding to at least one fund intermediate account, each fund intermediate account being an account between the fund pool account and at least one external account;

[0008] The to-be-redeemed fund indicated by the payment data in each preset payment data set is redeemed from the fund pool account to the fund intermediate account corresponding to the preset payment data set;

[0009] The to-be-redeemed fund in each fund intermediate account is redeemed to at least one external account corresponding to the fund intermediate account.

[0010] In one of the embodiments, the above-mentioned to-be-redeemed fund indicated by the payment data in each preset payment data set is redeemed from the fund pool account to the fund intermediate account corresponding to the preset payment data set, which includes:

[0011] redemption of the funds indicated by the payment data in each of the preset payment data sets from the fund pool account;

[0012] determining a first total amount of the funds indicated by the payment data in each of the preset payment data sets, and determining a second total amount of the funds associated with each of the preset payment data sets and redeemed from the fund pool account;

[0013] in a case where the first total amount matches the second total amount, transferring the funds corresponding to the second total amount into the corresponding fund intermediate account.

[0014] In one embodiment, the above-mentioned determination of the first total amount of the funds indicated by the payment data in each of the preset payment data sets includes:

[0015] respectively summing up the amounts of the funds indicated by at least one payment data in each of the preset payment data sets to determine the first total amount.

[0016] In one embodiment, the above-mentioned obtaining of the type information of each of the payment data further includes:

[0017] obtaining a payment data source file and a data processing batch corresponding to the payment data source file;

[0018] processing the payment data source file through a concurrent manager according to the payment data source file and the data processing batch to obtain the plurality of payment data.

[0019] In one embodiment, the above-mentioned processing of the payment data source file through the concurrent manager according to the payment data source file and the data processing batch to obtain the plurality of payment data includes:

[0020] processing the payment data source file through the concurrent manager according to the payment data source file and the data processing batch to obtain a processing result, the processing result being used to indicate whether an abnormality occurs in a processing process of the payment data source file;

[0021] in a case where the processing result indicates that no abnormality occurs in the processing process of the payment data source file, obtaining the plurality of payment data.

[0022] In one embodiment, the above-mentioned processing of the payment data source file through the concurrent manager according to the payment data source file and the data processing batch to obtain the plurality of payment data further includes:

[0023] in a case where the processing result indicates that an abnormality occurs in the processing process of the payment data source file, generating an error prompt information.

[0024] In a second aspect, an embodiment of the present application provides a fund redemption device, the device comprising: an obtaining module configured to, in a case where a plurality of payment data is obtained, obtain type information of each payment data in the plurality of payment data, the payment data being used to indicate to-be-redeemed funds to be redeemed to an external account;

[0025] a dividing module configured to divide each payment data to at least one preset payment data set according to the type information of the plurality of payment data, each preset payment data set comprising at least one payment data having the same type information, and each preset payment data set corresponding to at least one fund intermediate account one by one, each fund intermediate account being an account between a fund pool account and at least one external account;

[0026] a first redemption module configured to redeem the to-be-redeemed funds indicated by the payment data in each preset payment data set from the fund pool account to the fund intermediate account corresponding to the preset payment data set;

[0027] a second redemption module configured to redeem the to-be-redeemed funds in each fund intermediate account to at least one external account corresponding to the fund intermediate account.

[0028] In a third aspect, an embodiment of the present application provides an electronic device, the device comprising:

[0029] a processor;

[0030] a memory for storing processor-executable instructions;

[0031] The processor is configured to execute the instructions to implement the fund redemption method as shown in any one of the embodiments of the first aspect.

[0032] In a fourth aspect, an embodiment of the present application provides a computer storage medium, the computer readable storage medium storing a computer program, the computer program being executed by a processor to implement the fund redemption method as shown in any one of the embodiments of the first aspect.

[0033] In a fifth aspect, an embodiment of the present application further provides a computer program product, the computer program product comprising a computer program stored in a readable storage medium, at least one processor of a device reading and executing the computer program from the storage medium, so that the device executes the fund redemption method as shown in any one of the embodiments of the first aspect.

[0034] The embodiments of the present application provide a fund redemption method, device, electronic device and computer storage medium, compared with the prior art, the present application has the following beneficial effects:

[0035] The fund redemption method, device, electronic equipment and computer storage medium provided by the embodiments of the present application can, in the case of obtaining a plurality of payment data, obtain type information of each payment data in the plurality of payment data, divide each payment data into at least one preset payment data set according to the type information of the plurality of payment data, redeem the fund indicated by the payment data in each preset payment data set from the fund pool account to the fund intermediate account corresponding to the preset payment data set, and finally redeem the fund to be redeemed in each fund intermediate account to at least one external account corresponding to the fund intermediate account.

[0036] In this way, the fund pool account and the external account can be directly cut off by the fund intermediate account, the fund pool account is prevented from being exposed to the outside, and the security of the fund pool account is improved. In addition, the payment data is classified according to the type corresponding to the payment data, and the total amount of money required is redeemed from the fund pool account, the number of operations on the fund pool account is reduced, and the possibility of error is reduced. BRIEF DESCRIPTION OF DRAWINGS

[0037] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the embodiments of the present application will be briefly introduced. Those skilled in the art can obtain other drawings according to these drawings without creative labor.

[0038] Figure 1 is a flowchart of a fund redemption method provided by the embodiments of the present application;

[0039] Figure 2 is a flowchart of another fund redemption method provided by the embodiments of the present application;

[0040] Figure 3 is a flowchart of another fund redemption method provided by the embodiments of the present application;

[0041] Figure 4 is a flowchart of another fund redemption method provided by the embodiments of the present application;

[0042] Figure 5 is a structural diagram of a fund redemption device provided by the embodiments of the present application;

[0043] Figure 6 is a structural diagram of an electronic equipment provided by the embodiments of the present application. DETAILED DESCRIPTION

[0044] The features and exemplary embodiments of various aspects of the present application will be described below in detail, in order to make the purposes, technical solutions and advantages of the present application more clear and apparent, the present application will be further described in detail below in combination with the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, but not to limit the present application. For those skilled in the art, the present application can be implemented without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application.

[0045] It should be noted that the acquisition, storage, use, processing and the like of data in the technical solutions of the present application comply with the relevant provisions of national laws and regulations.

[0046] It should be noted that in this paper, relationship terms such as first and second are only used 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 the entities or operations. Moreover, the terms "include", "contain" or any other variant thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device including a series of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such process, method, article or device. Without more limitations, the elements defined by the statement "include" do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0047] Based on the background section, in the prior art, the payment plan defined by the invoice payment system needs to directly access the bank fund pool account, and the system performs batch processing operation according to the payment data to directly batch transfer the cash in the bank fund pool account to the supplier and employee bank account. This scheme needs to explicitly define that the payment data is accurate data flow, that is, the input data is safe and effective, so as to fully ensure the safety of the bank fund pool account.

[0048] The scheme of the prior art is suitable for the scene where the payment data processing flow is accurate, and the payment data is directly initiated from the fund pool account after being checked by artificial one by one. At present, with the development of enterprises and the expansion of business, the number of members participating in the supply chain is increasing, the invoice payment process and logic are constantly adjusted, and the amount of payment data of enterprises is gradually increasing. Business personnel need more time, multiple angles and multiple dimensions to check the accuracy of payment data to ensure the safety of the fund pool account. The data processing flow of the traditional direct access fund pool account payment method cannot meet the business needs of safe payment.

[0049] To solve the problems in the prior art, the embodiment of the present application provides a fund redemption method and device, electronic equipment and computer storage medium. In the case that a plurality of payment data are acquired, type information of each payment data in the plurality of payment data is acquired, each payment data is divided into at least one preset payment data set according to the type information of the plurality of payment data, the fund indicated by the payment data in each preset payment data set is redeemed from a fund pool account to a fund intermediate account corresponding to the preset payment data set, and finally the fund to be redeemed in each fund intermediate account is redeemed to at least one external account corresponding to the fund intermediate account.

[0050] In this way, the fund pool account and the external account can be directly cut off by the fund intermediate account, the fund pool account is prevented from being exposed to the outside, and the security of the fund pool account is improved. In addition, the payment data is classified according to the type corresponding to the payment data, and the total amount of the required amount is redeemed from the fund pool account, the operation frequency of the fund pool account is reduced, and the possibility of error is reduced.

[0051] First, the fund redemption method provided by the embodiment of the present application is introduced. As shown in Figure 1 The fund redemption method provided by the embodiment of the present application includes the following steps:

[0052] S101: In the case that a plurality of payment data are acquired, type information of each payment data in the plurality of payment data is acquired, the payment data being used to indicate fund to be redeemed to an external account;

[0053] S102: Each payment data is divided into at least one preset payment data set according to the type information of the plurality of payment data, each preset payment data set including at least one payment data with the same type information, and at least one preset payment data set corresponding to at least one fund intermediate account, each fund intermediate account being an account between a fund pool account and at least one external account;

[0054] S103: The fund indicated by the payment data in each preset payment data set is redeemed from the fund pool account to the fund intermediate account corresponding to the preset payment data set;

[0055] S104: The fund to be redeemed in each fund intermediate account is redeemed to at least one external account corresponding to the fund intermediate account.

[0056] The embodiment of the present application provides a fund redemption method, in the case that a plurality of payment data are acquired, type information of each payment data in the plurality of payment data is acquired, each payment data is divided into at least one preset payment data set according to the type information of the plurality of payment data, fund to be redeemed indicated by the payment data in each preset payment data set is redeemed from a fund pool account to a fund intermediate account corresponding to the preset payment data set, and finally, the fund to be redeemed in each fund intermediate account is redeemed to at least one external account corresponding to the fund intermediate account.

[0057] In this way, the fund pool account and the external account can be directly cut off by the fund intermediate account, fund pool account exposure to the outside world is avoided, and the security of the fund pool account is improved. In addition, the payment data is classified according to the type corresponding to the payment data, and the total amount of money required is redeemed from the fund pool account, the operation frequency of the fund pool account is reduced, and the possibility of error is reduced.

[0058] In S101, in an example, the type information of the plurality of payment data can be a payment subject responsible institution corresponding to the payment data, for example, each first bank number. In addition to this, the type information can also be a corresponding redemption object type of the payment data, which is not limited here.

[0059] In S102, in an example, according to the payment subject responsible institution of the plurality of payment data, the plurality of payment data are divided according to each first bank number, so as to divide each payment data into at least one preset payment data set. The at least one preset payment data set corresponds to at least one fund intermediate account one by one, wherein the fund intermediate account can be configured, enabled and disabled on the front-end interface according to actual needs.

[0060] In an example, the same type of data in each payment data is classified by classification conversion, enters a fund redemption unit, realizes data shunting, each redemption unit has a respective input and output, the redemption unit summarizes and allocates the total amount of money, and the total amount of money is redeemed from the fund pool account at a time. The business personnel check the redemption amount, compare whether the payment amount is consistent, confirm that there is no error, and then submit the payment control program.

[0061] In S103, the fund to be redeemed indicated by the payment data in each preset payment data set can be fund to be redeemed from the fund pool account to each fund intermediate account, and the fund pool account transfers at least part of the corresponding fund into each fund capital account according to the fund to be redeemed indicated by the payment data in each payment data set.

[0062] In S104, in one example, the funds to be redeemed in each fund intermediate account are redeemed into at least one external account according to the corresponding external account and the amount of funds to be redeemed indicated by the plurality of payment data. Each payment data includes its corresponding specific external account and the amount of funds to be redeemed. In one specific embodiment, each fund intermediate account is processed concurrently according to the details of each payment data corresponding to the fund intermediate account, and each fund intermediate account is processed one by one to redeem the funds in the fund intermediate account to the bank account of the payment object, thereby completing the fund redemption operation.

[0063] To improve the accuracy of the fund redemption process of the fund pool account, as Figure 2 As shown in S103, S103 can include:

[0064] S1031: Redemptions of the funds to be redeemed indicated by the payment data in each preset payment data set from the fund pool account;

[0065] S1032: Determine the first total amount of the funds to be redeemed indicated by the payment data in each preset payment data set, and determine the second total amount of the funds associated with each preset payment data set redeemed from the fund pool account;

[0066] S1033: In the case where the first total amount matches the second total amount, the funds corresponding to the second total amount are transferred into the corresponding fund intermediate account.

[0067] By matching the first total amount of the funds to be redeemed indicated by the payment data in each preset payment data set and the second total amount of the funds associated with each preset payment data set redeemed from the fund pool account, it is determined whether the funds corresponding to the second total amount are transferred into the corresponding fund intermediate account, thereby improving the accuracy of the fund redemption process of the fund pool account.

[0068] In S1031, in one example, the fund redemption master program draws a certain amount of money from the fund pool account according to the total amount of money needed to be redeemed by each fund intermediate account.

[0069] In S1032, in one example, the first total amount is determined according to the funds to be redeemed indicated by the payment data in the preset payment data set corresponding to each fund intermediate account, and the second total amount is determined according to the amount of money drawn from the fund pool account in S1031.

[0070] In one example, the amounts corresponding to the funds to be redeemed indicated by at least one payment data in each preset payment data set are summarized respectively to determine the first total amount. For example, the amounts of the funds to be redeemed corresponding to all payment data in preset payment data set A are summarized to obtain the first total amount corresponding to preset payment data set A.

[0071] In S1033, in one example, the first total amount and the second total amount are checked, and when the first total amount and the second total amount match, a fund redemption operation is performed, and the fund corresponding to the second total amount is transferred into the corresponding fund intermediate account.

[0072] In order to improve the efficiency of the fund redemption operation from the fund pool account, as shown in Figure 3 Before S101, it can also include:

[0073] S301: Obtain a payment data source file and a data processing batch corresponding to the payment data source file;

[0074] S302: Process the payment data source file through a concurrent manager according to the payment data source file and the data processing batch to obtain a plurality of payment data.

[0075] Through the payment data source file and its corresponding data processing batch, the payment data source file is processed through the concurrent manager to obtain a plurality of payment data, which can improve the efficiency of the fund redemption operation from the fund pool account.

[0076] In S301, in one example, each data source file has its corresponding data processing batch. In a specific embodiment, the upstream data source file is received at a fixed time, and the fund system processes the unimported data source file at a fixed time. The EBS concurrent processor is called to configure the optimal resource configuration processing, each file unit provides processing capability for data, and the internal contains an effective combination of multiple request units. Each sub-data file enters the same data set after being processed separately to form a payment data set.

[0077] In S302, in a specific embodiment, according to the data source file and its corresponding data processing batch, the concurrent manager of the EBS is used, each file starts a sub-process, the task manager triggers, and the optimal resource configuration is called.

[0078] In order to improve the accuracy of the fund redemption operation on the fund pool account, as shown in Figure 4 S302 can include:

[0079] S3021: Process the payment data source file through a concurrent manager according to the payment data source file and the data processing batch to obtain a processing result, the processing result being used to indicate whether an abnormality occurs in the processing process of the payment data source file;

[0080] S3022: Obtain a plurality of payment data in a case where the processing result indicates that no abnormality occurs in the processing process of the payment data source file.

[0081] By detecting whether an exception occurs in processing the payment data source file, the accuracy of the fund payout operation on the fund pool account can be improved.

[0082] In S3021, after processing the payment data source file according to the payment data source file and the corresponding data processing batch, a processing result is obtained. The processing result can indicate that an exception occurs in the process of processing the payment data source file through an audible and visual prompt or a display interface prompt. The specific implementation is not limited herein.

[0083] In S3022, in one example, when the processing result indicates that an exception occurs in the process of processing the payment data source file, an error prompt information is generated. In another example, when the processing result indicates that an exception occurs in the process of processing the payment data source file, an error prompt information is generated. In addition, after the error prompt information is generated, corresponding information can be recorded in the control table to enable the user to track the process between steps.

[0084] Based on the fund payout method provided in the above embodiments, correspondingly, as shown in Figure 5 The fund payout device 500 provided by the embodiments of the present application can include:

[0085] The acquisition module 501 is configured to acquire type information of each payment data in the plurality of payment data when the plurality of payment data is acquired, the payment data being used to indicate the to-be-payout fund to be paid out to an external account;

[0086] The division module 502 is configured to divide each payment data into at least one preset payment data set according to the type information of the plurality of payment data, each preset payment data set including at least one payment data with the same type information, and at least one preset payment data set corresponding to at least one fund intermediate account one by one, each fund intermediate account being an account between the fund pool account and at least one external account;

[0087] The first payout module 503 is configured to payout the to-be-payout fund indicated by the payment data in each preset payment data set from the fund pool account to the fund intermediate account corresponding to the preset payment data set;

[0088] The second payout module 504 is configured to payout the to-be-payout fund in each fund intermediate account to at least one external account corresponding to the fund intermediate account.

[0089] The fund redemption device 500 provided in the embodiment of the present application, in the case that the obtaining module 501 obtains a plurality of payment data, the type information of each payment data in the plurality of payment data is obtained, the dividing module 502 divides each payment data into at least one preset payment data set according to the type information of the plurality of payment data, the first redemption module 503 redemps the fund indicated by the payment data in each preset payment data set from the fund pool account to the fund intermediate account corresponding to the preset payment data set, and finally the second redemption module 504 redemps the fund in each fund intermediate account to at least one external account corresponding to the fund intermediate account.

[0090] In this way, the fund pool account and the external account can be directly cut off through the fund intermediate account, the fund pool account is prevented from being exposed to the outside, and the security of the fund pool account is improved. In addition, the payment data is classified according to the type corresponding to the payment data, and the total amount of the required amount is redeemed from the fund pool account, the operation frequency of the fund pool account is reduced, and the possibility of error is reduced.

[0091] In order to improve the accuracy of the fund redemption process of the fund pool account, in one embodiment, the first redemption module can include:

[0092] The redemption unit is configured to redeem the fund indicated by the payment data in each preset payment data set from the fund pool account;

[0093] The determination unit is configured to determine a first total amount of the fund indicated by the payment data in each preset payment data set, and determine a second total amount of the fund associated with each preset payment data set redeemed from the fund pool account;

[0094] The transfer-in unit is configured to transfer the fund corresponding to the second total amount into the corresponding fund intermediate account in the case that the first total amount matches the second total amount.

[0095] In order to improve the accuracy of the fund redemption process of the fund pool account, in one embodiment, the determination unit can be specifically configured to:

[0096] The first total amount is determined by respectively summing up the amount corresponding to the fund indicated by at least one payment data in each preset payment data set.

[0097] In order to improve the efficiency of the fund redemption operation of the fund pool account, in one embodiment, the fund redemption device can further include:

[0098] The data obtaining module is configured to obtain a payment data source file and a data processing batch corresponding to the payment data source file;

[0099] The data processing module is configured to process the payment data source file through the concurrent manager according to the payment data source file and the data processing batch to obtain a plurality of payment data.

[0100] To improve the accuracy of the fund redemption process of the fund pool account, in an embodiment, the data processing module can include:

[0101] The abnormality detection unit is configured to process the payment data source file through the concurrent manager according to the payment data source file and the data processing batch to obtain a processing result, the processing result being used to indicate whether an abnormality occurs in the processing process of the payment data source file.

[0102] The first abnormality processing unit is configured to obtain the plurality of payment data in a case where the processing result indicates that no abnormality occurs in the processing process of the payment data source file.

[0103] To improve the accuracy of the fund redemption process of the fund pool account, in an embodiment, the data processing module can further include:

[0104] The second abnormality processing unit is configured to generate an error prompt in a case where the processing result indicates that an abnormality occurs in the processing process of the payment data source file.

[0105] Based on the fund redemption method and device provided in the above embodiments, an electronic device 600 is further provided in an embodiment of the present application, as shown in the following figure: Figure 6

[0106] The electronic device 600 includes a processor 601, a memory 602, and a computer program stored in the memory 602 and executable on the processor 601, the computer program being executed by the processor 601 to implement each process of the fund redemption method embodiments and achieve the same technical effects.

[0107] Specifically, the processor 601 can include a central processing unit (CPU), or a specific integrated circuit (ASIC, Application Specific Integrated Circuit), or can be configured as one or more integrated circuits that implement one or more embodiments of the present application.

[0108] ​The memory 602 can include mass storage for data or instructions. As an example and not by way of limitation, the memory 602 can include a hard disk drive (HDD), a floppy disk drive, flash memory, an optical disc (e.g., a compact disc (CD) or a digital versatile disc (DVD)), a solid-state drive (SSD), a USB drive, or a combination of two or more of these. Where appropriate, the memory 602 can include removable or non-removable (or fixed) media. Where appropriate, the memory 602 can be internal or external to the integrated gateway disaster recovery appliance. In particular embodiments, the memory 602 is non-volatile, solid-state memory.

[0109] In particular embodiments, the memory can include read-only memory (ROM), random access memory (RAM), magnetic disk storage mediums, optical storage mediums, flash memory devices, electrical, optical, or other physical / tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software that, when executed (by one or more processors), is operable to

[0110] The processor 601 implements any of the above-mentioned fund redemption methods by reading and executing computer program instructions stored in the memory 602.

[0111] In one example, the electronic device can further include a communication interface 603 and a bus 610. As an example, as shown, the processor 601, the memory 602, and the communication interface 603 are connected through the bus 610 and complete communication among each other. Figure 6 As an example, as shown, the processor 601, the memory 602, and the communication interface 603 are connected through the bus 610 and complete communication among each other.

[0112] The communication interface 603 is mainly used to realize the communication among the modules, devices, units and / or equipment in the embodiments of the present application.

[0113] Bus 610 includes hardware, software, or both, to couple components of the online data traffic metering device to each other and to couple components to other parallel components for communication or transferral of data. While bus 610 is shown for the sake of clarity as a single bus, it can include one or more buses operating together. Bus 610 can be implemented using any suitable type, unidirectional and / or bidirectional, of connection including an electrical connection, optical connection, a combination of connections, or the like. While bus 610 is shown for the sake of clarity as a single bus, it can include one or more buses operating together. Bus 610 can be implemented using any suitable type, unidirectional and / or bidirectional, of connection including an electrical connection, optical connection, a combination of connections, or the like. Although this application describes and illustrates particular configurations and processes, the application is not limited to the specific configurations and processes described and illustrated herein. Well-known methods of making and using devices and methods have not been described in detail in order to not unnecessarily obscure the disclosure. In the above embodiments, several specific steps are described and illustrated in order to provide a thorough description of the application. However, the application can be practiced without performing or without one or more of the specific steps or the order of the steps described and / or illustrated.

[0114] The embodiment of the application further provides a computer readable storage medium, and the computer readable storage medium stores a computer program. The computer program is executed by a processor to implement the processes of the above-mentioned fund redemption method embodiments, and can achieve the same technical effects. To avoid repetition, details are not described here. The computer readable storage medium includes a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0115] It needs to be clear that the application is not limited to the specific configurations and processes described above and shown in the drawings. For the sake of simplicity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method processes of the application are not limited to the specific steps described and illustrated. Those skilled in the art can make various changes, modifications and additions, or change the order of the steps, after understanding the spirit of the application.

[0116] The functional blocks shown in the structural block diagrams above can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, and the like. When implemented in software, the elements of the present application are program or code segments that are used to perform the required tasks. The program or code segments can be stored in a machine-readable medium, or transmitted through a data signal carried in a carrier wave over a transmission medium or communication link. A "machine-readable medium" includes any medium that can store or transport information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memory, erasable ROMs (EROMs), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, and the like. The code segments can be downloaded via computer networks such as the Internet, intranets, and the like.

[0117] It is also important to note that the examples mentioned in the present application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the examples, or in an order different from the examples, or several steps can be performed simultaneously.

[0118] The above describes the aspects of the present application with reference to the flowcharts and / or block diagrams of the methods, devices and computer program products according to the embodiments of the present application. It should be understood that each block in the flowcharts and / or block diagrams, and the combination of blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus, to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing apparatus enable the implementation of the functions / acts specified in one or more blocks of the flowcharts and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field programmable logic circuit. It should also be understood that each block in the block diagrams and / or flowcharts, and the combination of blocks in the block diagrams and / or flowcharts, can also be implemented by special hardware that performs the specified functions or acts, or can be implemented by a combination of special hardware and computer instructions.

[0119] The above is only a specific embodiment of the present application, and those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described systems, modules and units can refer to the corresponding processes in the foregoing method embodiments, which will not be described here. It should be understood that the protection scope of the present application is not limited thereto, and any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be covered within the protection scope of the present application.

Claims

1. A method for withdrawing funds, characterized in that, include: When multiple payment data are obtained, the type information of each payment data is obtained, and the payment data is used to indicate the funds to be withdrawn to an external account; Based on the type information of multiple payment data, each payment data is divided into at least one preset payment dataset. Each preset payment dataset includes at least one payment data with the same type information, and at least one preset payment dataset corresponds one-to-one with at least one fund intermediary account. Each fund intermediary account is an account between a fund pool account and at least one external account. The type information of the payment data is the payment entity responsible institution corresponding to the payment data. The funds to be withdrawn, as indicated by the payment data in each of the preset payment datasets, are withdrawn from the fund pool account to the fund intermediary account corresponding to the preset payment dataset; The funds to be withdrawn from each of the aforementioned intermediate fund accounts shall be withdrawn to at least one of the aforementioned external accounts corresponding to the aforementioned intermediate fund accounts; The step of withdrawing the funds to be redeemed as indicated by the payment data in each of the preset payment datasets from the fund pool account to the fund intermediary account corresponding to the preset payment dataset includes: Withdraw the funds to be withdrawn as indicated by the payment data in each of the preset payment datasets from the fund pool account; Determine a first total amount of funds to be redeemed as indicated by the payment data in each of the preset payment datasets, and determine a second total amount of funds redeemed from the fund pool account associated with each of the preset payment datasets; If the first total amount matches the second total amount, the funds corresponding to the second total amount will be transferred to the corresponding intermediary fund account; Withdrawing the funds to be withdrawn as indicated by the payment data in each of the preset payment datasets from the fund pool account includes: The payment data in the preset payment dataset is input into the corresponding fund withdrawal unit. The withdrawal unit summarizes the total amount of funds to be withdrawn and withdraws the total amount from the fund pool account in one go.

2. The method according to claim 1, characterized in that, Determining the first total amount of funds to be redeemed as indicated by the payment data in each of the preset payment datasets includes: The amounts corresponding to the funds to be redeemed indicated by at least one payment data in each of the preset payment datasets are summarized to determine the first total amount.

3. The method according to claim 1, characterized in that, Before obtaining the type information of each of the multiple payment data, the method further includes: Obtain the payment data source file and the corresponding data processing batch; Based on the payment data source file and the data processing batch, the payment data source file is processed by the concurrency manager to obtain the multiple payment data.

4. The method according to claim 3, characterized in that, The process of processing the payment data source file and the data processing batch using a concurrency manager to obtain the multiple payment data includes: Based on the payment data source file and the data processing batch, the payment data source file is processed by the concurrency manager to obtain the processing result, which is used to indicate whether any abnormality has occurred in the processing of the payment data source file; If the processing result indicates that there were no abnormalities in the processing of the payment data source file, the multiple payment data are obtained.

5. The method according to claim 4, characterized in that, The step of processing the payment data source file through a concurrency manager to obtain a payment data set based on the payment data source file and the data processing batch further includes: If the processing result indicates that an error has occurred in the processing of the payment data source file, an error message is generated.

6. A fund withdrawal device, characterized in that, The device includes: The acquisition module is used to acquire the type information of each of the multiple payment data when multiple payment data are acquired, wherein the payment data is used to indicate the funds to be withdrawn to an external account; The segmentation module is used to segment each payment data into at least one preset payment dataset based on the type information of multiple payment data. Each preset payment dataset includes at least one payment data with the same type information, and at least one preset payment dataset corresponds one-to-one with at least one fund intermediary account. Each fund intermediary account is an account between a fund pool account and at least one external account. The type information of the payment data is the payment entity responsible institution corresponding to the payment data. The first withdrawal module is used to withdraw the funds to be withdrawn as indicated by the payment data in each of the preset payment datasets from the fund pool account to the fund intermediary account corresponding to the preset payment dataset; The second withdrawal module is used to withdraw the funds to be withdrawn from each of the intermediate fund accounts to at least one of the external accounts corresponding to the intermediate fund accounts; The step of withdrawing the funds to be redeemed as indicated by the payment data in each of the preset payment datasets from the fund pool account to the fund intermediary account corresponding to the preset payment dataset includes: Withdraw the funds to be withdrawn as indicated by the payment data in each of the preset payment datasets from the fund pool account; Determine a first total amount of funds to be redeemed as indicated by the payment data in each of the preset payment datasets, and determine a second total amount of funds redeemed from the fund pool account associated with each of the preset payment datasets; If the first total amount matches the second total amount, the funds corresponding to the second total amount will be transferred to the corresponding intermediary fund account; Withdrawing the funds to be withdrawn as indicated by the payment data in each of the preset payment datasets from the fund pool account includes: The payment data in the preset payment dataset is input into the corresponding fund withdrawal unit. The withdrawal unit summarizes the total amount of funds to be withdrawn and withdraws the total amount from the fund pool account in one go.

7. An electronic device, characterized in that, The device includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the fund withdrawal method as described in any one of claims 1-5.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the fund withdrawal method as described in any one of claims 1-5.

9. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device performs the fund withdrawal method as described in any one of claims 1-5.

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