Repaid management method and device, fund management system and electronic equipment

Abstract

The invention discloses an excess payment management method, which is applied to an excess payment management server, and comprises the following steps: receiving a quota mapping application sent by a clearing server, the quota mapping application being sent to the clearing server by a payment server, the quota mapping application comprising a mapping quota value; generating a quota adjustment result according to the mapping quota value, the mapping quota of the payment server in each clearing server and the surplus balance of the payment server in the large-quota payment server; and sending the quota adjustment result to a clearing server. According to the invention, in a concurrent scene, the excess payment management server can ensure that the sum of the mapping quotas of the payment server in each clearing server is not greater than the excess payment balance in the large payment server all the time, so that fund abnormity of excess mapping is avoided. According to the method, the existing mapping time sequence limitation problem is solved, the liquidation server can accept the quota mapping application submitted by the payment server at any time, and the convenience of initiating quota mapping by the payment server is improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a reserve fund management method, device, fund management system and electronic equipment. Background Art

[0002] With the business development of payment institutions, the transaction scale has grown rapidly, and the transaction amount has soared rapidly. While users are enjoying increasingly convenient payment services, a large amount of user funds remain in payment institutions. In order to avoid payment institutions misappropriating funds and causing losses to users, the risks faced are also increasing. Misappropriation of funds by payment institutions may occur at any time, and banks are required to implement centralized custody of reserve funds.

[0003] After the bank implemented centralized custody of reserve funds, in order to control credit risks and safeguard the business handling of payment institutions, a reserve fund management scheme was established between clearing servers. In this scheme, reserve fund balance management and mapping quota management are carried out through the interaction of large-value payment servers, clearing servers and payment servers. Specifically, the reserve fund balance management is carried out by the large-value payment server, and the reserve fund mapping quota management is carried out by the clearing server. The payment server can submit a quota mapping application to any clearing server. To ensure the safety of funds, the total mapping quota of the payment server in each clearing server should always be no greater than the reserve fund balance in the large-value payment server.

[0004] However, in a concurrent scenario, if the payment server initiates a quota mapping application to a clearing server, and another clearing server immediately initiates a settlement application to the large-value payment server, the total mapping amount of the payment server in the two clearing servers will be greater than the reserve fund balance in the large-value payment server, i.e., an over-mapped funds anomaly will occur.

[0005] In addition, to ensure the safety of funds, in the existing reserve fund management solution, each clearing server needs to follow the quota mapping sequence, that is, each clearing server performs quota mapping in a pre-set time window. For example, from 0 to 5 minutes per hour, clearing server A can perform quota mapping; from 5 to 10 minutes per hour, clearing server B can perform quota mapping; from 10 to 15 minutes per hour, clearing server A can perform quota mapping, and so on. It can be seen that the clearing servers in the prior art are subject to mapping sequence restrictions when mapping quotas, which affects the convenience of the payment server in initiating quota mapping applications. Summary of the invention

[0006] In view of the above problems, the present application is proposed to provide a reserve fund management method, device, fund management system and electronic device that overcome the above problems or at least partially solve the above problems.

[0007] The present application embodiment adopts the following technical solutions:

[0008] In a first aspect, an embodiment of the present application provides a reserve fund management method, which is applied to a reserve fund management server, including:

[0009] Receiving a quota mapping application sent by a clearing server, wherein the quota mapping application is sent by a payment server to the clearing server, and the quota mapping application includes a mapped quota value;

[0010] Generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0011] The credit limit adjustment result is sent to the clearing server.

[0012] Optionally, generating a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server includes:

[0013] When the mapping limit value is not greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is a successful mapping;

[0014] When the mapping limit value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is mapping failure.

[0015] Optionally, the method further comprises:

[0016] Receiving a credit settlement instruction sent by the large-value payment server, wherein the credit settlement instruction is sent by the clearing server to the large-value payment server;

[0017] The mapping amount of the clearing server is adjusted according to the credit settlement instruction.

[0018] In a second aspect, the embodiment of the present application further provides a reserve fund management method, which is applied to a clearing server, comprising:

[0019] Receiving a credit limit mapping application sent by a payment server, wherein the credit limit mapping application includes a mapped credit limit value;

[0020] Sending the quota mapping application to the reserve fund management server, which generates a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0021] Receive the quota adjustment result returned by the reserve fund management server.

[0022] In a third aspect, the embodiment of the present application further provides a reserve fund management device, which is applied to a reserve fund management server, including:

[0023] A credit mapping application receiving unit, configured to receive a credit mapping application sent by a clearing server, wherein the credit mapping application is sent by a payment server to the clearing server, and the credit mapping application includes a mapped credit value;

[0024] A quota adjustment result generating unit, configured to generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0025] The credit limit adjustment result sending unit is used to send the credit limit adjustment result to the clearing server.

[0026] Optionally, the credit limit adjustment result generating unit is further used to:

[0027] When the mapping limit value is not greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is a successful mapping;

[0028] When the mapping limit value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is mapping failure.

[0029] Optionally, it also includes:

[0030] A credit settlement instruction receiving unit, used to receive a credit settlement instruction sent by the large-value payment server, wherein the credit settlement instruction is sent by the clearing server to the large-value payment server;

[0031] A mapping quota adjustment unit is used to adjust the mapping quota of the clearing server according to the credit settlement instruction.

[0032] In a fourth aspect, an embodiment of the present application further provides a reserve fund management device, which is applied to a clearing server, including:

[0033] A credit limit mapping application receiving unit, configured to receive a credit limit mapping application sent by a payment server, wherein the credit limit mapping application includes a mapped credit limit value;

[0034] A quota mapping application sending unit, used to send the quota mapping application to the reserve fund management server, and the reserve fund management server generates a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0035] The credit limit adjustment result receiving unit is used to receive the credit limit adjustment result returned by the reserve fund management server.

[0036] In a fifth aspect, an embodiment of the present application further provides a fund management system, including: a payment server, a clearing server and a reserve fund management server;

[0037] The payment server is used to send a quota mapping application to the clearing server, wherein the quota mapping application includes a mapped quota value;

[0038] The clearing server is used to send the quota mapping application to the reserve fund management server;

[0039] The reserve fund management server is used to generate a limit adjustment result according to the mapped limit value, the mapped limit of the payment server in each clearing server and the reserve fund balance of the payment server in the large-value payment server, and send the limit adjustment result to the clearing server.

[0040] In a sixth aspect, an embodiment of the present application further provides an electronic device, including:

[0041] Processor; and

[0042] A memory is arranged to store computer executable instructions, which, when executed, cause the processor to perform the above-mentioned reserve fund management method.

[0043] In the seventh aspect, an embodiment of the present application also provides a computer-readable storage medium, which stores one or more programs. When the one or more programs are executed by an electronic device including multiple applications, the electronic device executes the above-mentioned reserve fund management method.

[0044] At least one of the above technical solutions adopted in the embodiments of the present application can achieve the following beneficial effects:

[0045] In the embodiment of the present application, a reserve fund management server is added to the existing reserve fund management scheme. The clearing server no longer performs mapping quota management. The payment server does not need to initiate a balance query to the large-amount payment server. The reserve fund management server uniformly manages the mapping quota and reserve fund balance of the payment server. The payment server sends a quota mapping application to the reserve fund management server through the clearing server. The reserve fund management server stores the mapping quota of the payment server in each clearing server and the reserve fund balance of the payment server in the large-amount payment server. The reserve fund management server generates a quota adjustment result based on the mapping quota value in the quota mapping application, the mapping quota of each clearing server, and the reserve fund balance of the payment server in the large-amount payment server. It can be seen that the embodiment of the present application provides a centralized mapping quota management solution. In a concurrent scenario, if the payment server initiates a quota mapping application to a certain clearing server, another clearing server immediately initiates a settlement application to the large-amount payment server. The reserve fund management server will ensure that the total of the mapping quotas of the payment server in each clearing server should always be no greater than the reserve fund balance in the large-amount payment server to avoid the occurrence of excessive mapping of funds abnormalities.

[0046] In addition, the reserve fund management server uniformly manages the mapping quota and reserve fund balance of the payment server, which can break the existing clearing server mapping timing limitation problem. The clearing server can accept the quota mapping application submitted by the payment server at any time, thereby improving the convenience of the payment server initiating quota mapping. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0048] Figure 1 A schematic diagram of the adjustment of the reserve fund mapping amount in the prior art;

[0049] Figure 2 The schematic diagram of the reserve fund management method in the prior art;

[0050] Figure 3 This is a diagram illustrating the quota mapping sequence that each clearing server needs to follow in the prior art;

[0051] Figure 4 A flowchart of a reserve fund management method according to an embodiment of the present application is shown below;

[0052] Figure 5 A flowchart of a reserve fund management method according to another embodiment of the present application;

[0053] Figure 6This is a schematic diagram of the structure of a reserve fund management device according to an embodiment of the present application;

[0054] Figure 7 This is a schematic diagram of the structure of a reserve fund management device according to another embodiment of the present application;

[0055] Figure 8 This is a schematic diagram of the structure of a fund management system according to an embodiment of the present application;

[0056] Fig. 9 A schematic diagram of a fund management system according to an embodiment of the present application;

[0057] Fig.10 A schematic diagram of a fund management system according to another embodiment of the present application;

[0058] Fig.11 This is a schematic diagram of the structure of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0059] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in combination with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present application.

[0060] First, some technical terms involved in this application are explained as follows:

[0061] Reserve fund balance: refers to the reserve fund centralized deposit balance of the payment server in the large-value payment server.

[0062] Mapping amount: refers to the amount of funds allocated by the payment server to each clearing server based on the reserve fund balance.

[0063] Quota adjustment: includes quota mapping and quota unmapping. Quota mapping refers to the act of increasing the mapping quota allocated by the payment server to the corresponding clearing server after system review based on the payment server's entrustment. Quota unmapping refers to the act of decreasing the mapping quota allocated by the payment server to the corresponding clearing server after system review based on the payment server's entrustment.

[0064] Settlement: The clearing server submits instructions to the large-value payment server to change the payment server balance and mapping amount.

[0065] Figure 1 The schematic diagram of the reserve fund mapping quota adjustment in the prior art. Figure 1It includes large-value payment server, clearing server A, clearing server B and payment server. Figure 1 As shown, the adjustment of the reserve fund mapping amount includes the following steps:

[0066] 1. The payment server initiates a quota mapping application to the clearing server A, requesting to increase the mapping quota on the clearing server A. Assume that the mapping quota value in the quota mapping application is C yuan;

[0067] 2. Clearing Server A initiates a mapping quota query to Clearing Server B;

[0068] 3. Clearing Server B sends a receipt to Clearing Server A regarding the actual mapping amount of this payment server on Clearing Server B, assuming the value is B yuan;

[0069] 4. Clearing server A initiates a balance query corresponding to this payment server to the large-value payment server;

[0070] 5. The large-amount payment server returns the corresponding balance value, assuming the value is D yuan;

[0071] 6. Clearing Server A makes a judgment based on the mapping amount of the payment server on Clearing Server A (assuming the value is A yuan). If C <= DBA, the mapping can be completed and the amount adjustment is successful. If C > DBA, it violates the principle that the total mapping amount of the payment server on Clearing Server A and Clearing Server B is always no greater than the balance of the payment server on the large-amount payment server, and the amount adjustment fails.

[0072] Figure 2 The schematic diagram of the reserve fund management method of the prior art. Assume that the balance of the payment server in the large-value payment server is 90 yuan, and the mapping amount of the payment server in the clearing server A and clearing server B is 70 yuan and 20 yuan respectively. In a concurrent scenario, if clearing server B initiates a settlement with the large-value payment server, and the settlement amount is 10 yuan, at this time, the payment server immediately initiates a quota mapping to clearing server A (the mapping amount value is 10 yuan).

[0073] like Figure 2 As shown, the reserve fund management method includes the following steps:

[0074] 1. Clearing server B initiates settlement with the large-value payment server. The settlement is divided into two steps: the first step is to submit a credit settlement instruction, and the second step is to increase the mapping amount of the payment server in clearing server B. First, the first step is to submit a credit settlement instruction to increase the balance of the payment server in the large-value payment server to 100 yuan.

[0075] 2. The payment server initiates a quota mapping application to the clearing server A, requesting to increase the mapping quota by 10 yuan;

[0076] 3. Clearing Server A initiates a mapping quota query to Clearing Server B;

[0077] 4. Clearing Server B sends a receipt to Clearing Server A for the actual mapping amount of this payment server on Clearing Server B, which is 20 yuan;

[0078] 5. Clearing server A initiates a balance query corresponding to this payment server to the large-value payment server;

[0079] 6. The large-amount payment server returns the corresponding balance value, which is 100 yuan;

[0080] 7. Clearing Server A makes a judgment based on the mapping amount of the payment server on Clearing Server A (the value is 70). Since 10<=100-70-20, the mapping can be completed. Then the mapping amount of the payment server on Clearing Server A is increased to 80 yuan.

[0081] Continue to complete the second settlement step in step 1, and increase the mapping amount of the payment server on clearing server B to 30 yuan. At this time, over-mapping occurs, that is, the total of the payment server's mapping amount on clearing server A (mapping amount of 80 yuan) and clearing server B (mapping amount of 30 yuan) is greater than the actual balance of 100 yuan, and an over-mapping fund abnormality occurs.

[0082] It can be seen that in the existing reserve fund management scheme, there is a lack of a centralized mapping quota management scheme. The large-value payment server manages the reserve fund balance of the payment server, and the clearing server manages the mapping quota of the payment server. In the concurrent scenario, the reserve fund balance and mapping quota of the payment server cannot be changed at the same time during the settlement process, causing the quota mapping application initiated by the payment server to jump the queue, resulting in abnormal excess mapping funds.

[0083] Figure 3 This is a diagram illustrating the time sequence of quota mapping that each clearing server needs to follow in the prior art. Figure 3 As shown, it is assumed that the balance of the payment server in the large-value payment server is 100 yuan, and the mapping amounts of the payment server in clearing server A and clearing server B are 70 yuan and 20 yuan respectively.

[0084] After the payment server initiates a quota mapping application to clearing server A, it immediately initiates a quota mapping application to clearing server B. The mapped quota value is 10 yuan, and the two processes shown by the solid line and the dotted line need to be carried out respectively.

[0085] Clearing Server A can query the balance of the payment server on the large-value payment server through the 1.5 balance query receipt, and Clearing Server B can query the balance of the payment server on the large-value payment server through the 2.5 balance query receipt, which is 100 yuan, that is, 10 <= 100-70-20. Therefore, after judgment, Clearing Server A and Clearing Server B can complete the quota mapping and both perform quota mapping. At this time, the balance of the payment server on the large-value payment server is 100 yuan, and the mapping quotas of the payment server on Clearing Server A and Clearing Server B are 80 yuan and 30 yuan respectively. This violates the principle that the total mapping quota of the payment server on Clearing Server A and Clearing Server B is always no greater than the balance of the payment server on the large-value payment server.

[0086] Therefore, to ensure the safety of funds, in the prior art, different clearing servers cannot perform quota mapping at the same time, and each clearing server needs to follow the quota mapping sequence, that is, each clearing server performs quota mapping within a pre-set time window.

[0087] The following combination Figure 4-Figure 11 , describe in detail the technical solutions provided by each embodiment of the present application.

[0088] Figure 4 This is a flow chart of a reserve fund management method according to an embodiment of the present application. Figure 4 The reserve fund management method shown is applied to the reserve fund management server. In the embodiment of the present application, a reserve fund management server is added to the existing reserve fund management solution. The clearing server no longer performs mapping quota management, and the payment server does not need to initiate a balance query to the large-amount payment server. The method includes:

[0089] S410: receiving a credit limit mapping application sent by a clearing server, wherein the credit limit mapping application is sent by a payment server to the clearing server, and the credit limit mapping application includes a mapped credit limit value;

[0090] It is understandable that the payment server in the embodiment of the present application sends a credit limit mapping application to the clearing server, and the clearing server sends the credit limit mapping application to the reserve fund management server.

[0091] In actual applications, the payment server is managed by the payment institution, and the clearing server is managed by the clearing institution. The reserve fund management server runs a reserve fund management system.

[0092] S420: generating a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0093] In actual applications, the reserve fund management server obtains the reserve fund balance of the payment server from the large-value payment server. The reserve fund management server stores the mapping quota of the payment server in each clearing server and the reserve fund balance of the payment server in the large-value payment server, and generates a quota adjustment result according to the mapping quota value in the quota mapping application received from the clearing server, the mapping quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server.

[0094] In actual applications, a large-value payment system runs in a large-value payment server.

[0095] It is understandable that the process of generating the quota adjustment result by the reserve fund management server follows the principle that the sum of the mapped quotas of the payment server in each clearing server should never be greater than the reserve fund balance in the large-value payment server.

[0096] S430: Sending the credit limit adjustment result to the clearing server.

[0097] It is understandable that after processing the quota mapping application, the reserve fund management server will return the quota adjustment result to the clearing server, and the clearing server will return the quota adjustment result to the payment server.

[0098] It can be seen that the reserve fund management method of the embodiment of the present application provides a centralized mapping quota management solution. In a concurrent scenario, if the payment server initiates a quota mapping application to a clearing server, another clearing server immediately initiates a settlement application to the large-value payment server. The reserve fund management server will ensure that the total mapping quota of the payment server in each clearing server should always be no greater than the reserve fund balance in the large-value payment server, so as to avoid the occurrence of excessive mapping of funds anomalies.

[0099] In addition, the reserve fund management server uniformly manages the mapping quota and reserve fund balance of the payment server, which can break the existing clearing server mapping timing limitation problem. The clearing server can accept the quota mapping application submitted by the payment server at any time, thereby improving the convenience of the payment server initiating quota mapping.

[0100] In an optional implementation of the embodiment of the present application, step S420 includes:

[0101] When the mapping limit value is not greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is a successful mapping;

[0102] When the mapping limit value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is mapping failure.

[0103] It is understandable that, under the principle that the sum of the mapping quotas of the payment server in each clearing server should always be no greater than the reserve fund balance of the large-value payment server, when the mapping quota value is no greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping quota of the payment server in each clearing server, the mapping quota of the payment server in the corresponding clearing server is adjusted according to the mapping quota value, and a mapping success message is sent to the clearing server. On the contrary, when the mapping quota value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping quota of the payment server in each clearing server, the mapping quota of the payment institution in the corresponding clearing server is not adjusted, and a mapping failure message is sent to the clearing server.

[0104] Furthermore, the method further comprises:

[0105] Receiving a credit settlement instruction sent by the large-value payment server, wherein the credit settlement instruction is sent by the clearing server to the large-value payment server;

[0106] The mapping amount of the clearing server is adjusted according to the credit settlement instruction.

[0107] It should be noted that the clearing server sends a credit settlement instruction to the large-value payment server, and the large-value payment server sends the received credit settlement instruction to the reserve fund management server. The reserve fund management server adjusts the mapping amount of the clearing server according to the credit settlement instruction, and the large-value payment server adjusts the balance of the payment server in the large-value payment server. It can be seen that the embodiment of the present application ensures that the mapping amount and balance of the payment server change at the same time during the settlement process through the reserve fund management server, and the payment server will not jump the queue when initiating the quota mapping application during the settlement process, avoiding the abnormality of funds due to over-mapping.

[0108] Figure 5 This is a flow chart of a reserve fund management method according to another embodiment of the present application. Figure 5 The reserve fund management method shown is applied to a clearing server, and the method includes:

[0109] S510: receiving a credit limit mapping application sent by a payment server, wherein the credit limit mapping application includes a mapped credit limit value;

[0110] S520: Sending the quota mapping application to the reserve fund management server, which generates a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0111] It is understandable that the payment server in the embodiment of the present application sends a credit limit mapping application to the clearing server, and the clearing server sends the credit limit mapping application to the reserve fund management server.

[0112] In actual applications, the reserve fund management server obtains the reserve fund balance from the large-value payment server. The reserve fund management server stores the mapping quota of the payment server in each clearing server and the reserve fund balance of the payment server in the large-value payment server, and generates a quota adjustment result according to the mapping quota value in the quota mapping application received from the clearing server, the mapping quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server.

[0113] The process of generating the quota adjustment result by the reserve fund management server follows the principle that the sum of the mapped quotas of the payment server in each clearing server should always be no greater than the reserve fund balance in the large-value payment server.

[0114] S530: Receive the quota adjustment result returned by the reserve fund management server.

[0115] It is understandable that after processing the quota mapping application, the reserve fund management server will return the quota adjustment result to the clearing server, and the clearing server will return the quota adjustment result to the payment server.

[0116] In an optional implementation of the embodiment of the present application, the method further includes:

[0117] A credit settlement instruction is sent to the large-value payment server, and the large-value payment server sends the credit settlement instruction to the reserve fund management server.

[0118] Then, the reserve fund management server adjusts the mapping amount of the clearing server according to the credit settlement instruction.

[0119] It should be noted that the clearing server sends a credit settlement instruction to the large-value payment server, and the large-value payment server sends the received credit settlement instruction to the reserve fund management server. The reserve fund management server adjusts the mapping amount of the clearing server according to the credit settlement instruction, and the large-value payment server adjusts the balance of the payment server in the large-value payment server. It can be seen that the embodiment of the present application ensures that the mapping amount and balance of the payment server change at the same time during the settlement process through the reserve fund management server, and the payment server will not jump the queue when initiating the quota mapping application during the settlement process, avoiding the abnormality of funds due to over-mapping.

[0120] Figure 6 This is a schematic diagram of the structure of a reserve fund management device according to an embodiment of the present application. Figure 6 The reserve fund management device shown is applied to a reserve fund management server, and the device includes:

[0121] The credit mapping application receiving unit 610 is used to receive a credit mapping application sent by a clearing server, wherein the credit mapping application is sent by a payment server to the clearing server, and the credit mapping application includes a mapped credit value;

[0122] A quota adjustment result generating unit 620, configured to generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0123] The credit limit adjustment result sending unit 630 is used to send the credit limit adjustment result to the clearing server.

[0124] In an optional implementation of the embodiment of the present application, the credit limit adjustment result generating unit 620 is further configured to:

[0125] When the mapping limit value is not greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is a successful mapping;

[0126] When the mapping limit value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is mapping failure.

[0127] Furthermore, the reserve fund management device also includes:

[0128] A credit settlement instruction receiving unit, used to receive a credit settlement instruction sent by the large-value payment server, wherein the credit settlement instruction is sent by the clearing server to the large-value payment server;

[0129] A mapping quota adjustment unit is used to adjust the mapping quota of the clearing server according to the credit settlement instruction.

[0130] Figure 7 This is a schematic diagram of the structure of a reserve fund management device according to another embodiment of the present application. Figure 7 The reserve fund management device shown is applied to a clearing server, and the device includes:

[0131] The credit limit mapping application receiving unit 710 is used to receive a credit limit mapping application sent by a payment server, wherein the credit limit mapping application includes a mapped credit limit value;

[0132] A quota mapping application sending unit 720 is used to send the quota mapping application to the reserve fund management server, and the reserve fund management server generates a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0133] The credit limit adjustment result receiving unit 730 is used to receive the credit limit adjustment result returned by the reserve fund management server.

[0134] It is understandable that the above-mentioned reserve fund management device can implement each step of the reserve fund management method provided in the above-mentioned embodiment. The relevant explanations about the reserve fund management method are applicable to the reserve fund management device and will not be repeated here.

[0135] Figure 8 This is a schematic diagram of the structure of a fund management system according to an embodiment of the present application. Figure 8 As shown, the fund management system of the embodiment of the present application includes: a payment server 810, a clearing server 820 and a reserve fund management server 830;

[0136] The payment server 810 is used to send a quota mapping application to the clearing server 820, wherein the quota mapping application includes a mapped quota value;

[0137] The clearing server 820 is used to send the quota mapping application to the reserve fund management server 830;

[0138] The reserve fund management server 830 is used to generate a limit adjustment result according to the mapped limit value, the mapped limit of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server, and send the limit adjustment result to the clearing server 820.

[0139] Fig. 9 This is a schematic diagram of a fund management system according to an embodiment of the present application.

[0140] Assume that the balance of the payment server on the large-value payment server is 90 yuan, and the mapping amount of the payment server on clearing server A and clearing server B is 70 yuan and 20 yuan respectively. In a concurrent scenario, if clearing server B initiates a settlement with the large-value payment server, and the settlement amount is 10 yuan, then the payment server immediately initiates a quota mapping application to clearing server A (the mapping amount is 10 yuan).

[0141] like Fig. 9 As shown, the reserve fund management method includes the following steps:

[0142] 1. Clearing Server B submits a credit settlement instruction to the large-value payment server, which sends the credit settlement instruction to the reserve fund management server. The reserve fund management server adjusts the mapping amount of the payment server on Clearing Server B to 30 yuan, and the large-value payment server adjusts the balance of the payment server to 100 yuan.

[0143] 2. The payment server initiates a quota mapping application to the clearing server A, requesting to increase the mapping quota, and the mapping quota value is 10 yuan;

[0144] 3. Clearing Server A initiates a quota mapping application to the reserve fund management server;

[0145] 4. The reserve fund management server makes a judgment based on the balance of the payment server (the value is 100 yuan). Since 10>100-70-30, the mapping cannot be performed.

[0146] 5. The reserve fund management server feeds back the mapping failure result to the clearing server A.

[0147] The fund management system of the embodiment of the present application adds a reserve fund management server to the reserve fund management scheme of the existing payment server, and the clearing server no longer performs mapping quota management. The payment server does not need to initiate a balance query to the large-value payment server, and the mapping quota and reserve fund balance of the payment server are uniformly managed by the reserve fund management server. The payment server sends a quota mapping application to the reserve fund management server through the clearing server. The reserve fund management server stores the mapping quota of the payment server in each clearing server and the reserve fund balance of the payment server in the large-value payment server. The reserve fund management server generates a quota adjustment result based on the mapping quota value in the quota mapping application, the mapping quota of each clearing server, and the reserve fund balance of the payment server in the large-value payment server. It can be seen that the embodiment of the present application provides a centralized mapping quota management solution. In a concurrent scenario, if the payment server initiates a quota mapping application to a certain clearing server, another clearing server immediately initiates a settlement application to the large-value payment server. The reserve fund management server will ensure that the total mapping quota of the payment server in each clearing server should always be no greater than the reserve fund balance in the large-value payment server, so as to avoid the occurrence of excessive mapping of funds anomalies.

[0148] Fig.10 This is a schematic diagram of a fund management system of another embodiment of the present application. Assume that the balance of the payment server in the large-amount payment server is 100 yuan, and the mapping amount of the payment server in the clearing server A and the clearing server B is 70 yuan and 20 yuan respectively.

[0149] like Fig.10 As shown, after the payment server initiates a quota mapping application to clearing server A, it immediately initiates a quota mapping application to clearing server B. The mapped quota value is 10 yuan, and the two processes shown by the solid line and the dotted line need to be carried out respectively.

[0150] When the reserve fund management server receives the quota mapping application of 1.2, 10<=100-70-20, which meets the principle that the total amount of the mapping quota of the payment server in clearing server A and clearing server B is always not greater than the balance of the payment server in the large-value payment server. Therefore, the reserve fund management server determines that clearing server A can perform quota mapping. At this time, the balance of the payment server in the large-value payment server is 100 yuan, and the mapping quota of the payment server in clearing server A and clearing server B is 80 yuan and 20 yuan respectively. After the reserve fund management server receives the quota mapping application of 2.2, 10>100-80-20, which violates the principle that the total amount of the mapping quota of the payment server in clearing server A and clearing server B is always not greater than the balance of the payment server in the large-value payment server. Therefore, the reserve fund management server determines that clearing server B cannot perform quota mapping.

[0151] It can be seen that the reserve fund management server uniformly manages the mapping quota and reserve fund balance of the payment server, which can break the existing clearing server mapping timing limitation problem. The clearing server can accept the quota mapping application submitted by the payment server at any time, thereby improving the convenience of the payment server initiating quota mapping.

[0152] Fig.11 This is a schematic diagram of the structure of an electronic device according to an embodiment of the present application. Fig.11 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk storage. Of course, the electronic device may also include hardware required for other services.

[0153] The processor, network interface and memory can be interconnected through an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Fig.11 Only one bidirectional arrow is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0154] The memory is used to store the program. Specifically, the program may include a program code, and the program code includes a computer operation instruction. The memory may include a memory and a non-volatile memory, and provides instructions and data to the processor.

[0155] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a reserve fund management device at the logical level. The processor executes the program stored in the memory and is specifically used to perform the following operations:

[0156] Receiving a quota mapping application sent by a clearing server, wherein the quota mapping application is sent by a payment server to the clearing server, and the quota mapping application includes a mapped quota value;

[0157] Generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0158] The credit limit adjustment result is sent to the clearing server.

[0159] The above application Figure 1 The method performed by the reserve fund management server disclosed in the illustrated embodiment can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in the processor or an instruction in the form of software. The above processor may be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it may also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present application can be implemented or executed. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc. The steps of the method disclosed in the embodiments of the present application can be directly embodied as being executed by a hardware decoding processor, or executed by a combination of hardware and software modules in a decoding processor. The software module can be located in a storage medium mature in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.

[0160] The electronic device may also perform Figure 1 The reserve fund management method will not be described in detail in the embodiments of the present application.

[0161] The present application also provides a computer-readable storage medium, which stores one or more programs, wherein the one or more programs include instructions, which, when executed by an electronic device including multiple application programs, enable the electronic device to execute Figure 1 The reserve fund management method in the illustrated embodiment is specifically used to execute:

[0162] Receiving a quota mapping application sent by a clearing server, wherein the quota mapping application is sent by a payment server to the clearing server, and the quota mapping application includes a mapped quota value;

[0163] Generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server;

[0164] The credit limit adjustment result is sent to the clearing server.

[0165] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0166] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0167] 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.

[0168] 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.

[0169] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0170] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0171] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0172] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including 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, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0173] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0174] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A reserve fund management method, applied to a reserve fund management server, characterized in that: include: Receiving a quota mapping application sent by a clearing server, wherein the quota mapping application is sent by a payment server to the clearing server, and the quota mapping application includes a mapped quota value; Generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server; The credit limit adjustment result is sent to the clearing server.

2. The method according to claim 1, characterized in that: The generating of the quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-amount payment server includes: When the mapping limit value is not greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is a successful mapping; When the mapping limit value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is mapping failure.

3. The method according to claim 1, characterized in that: The method further comprises: Receiving a credit settlement instruction sent by the large-value payment server, wherein the credit settlement instruction is sent by the clearing server to the large-value payment server; The mapping amount of the clearing server is adjusted according to the credit settlement instruction.

4. A reserve fund management method, applied to a clearing server, characterized in that: include: Receiving a quota mapping application sent by a payment server, wherein the quota mapping application includes a mapped quota value; Sending the quota mapping application to the reserve fund management server, which generates a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server; Receive the quota adjustment result returned by the reserve fund management server.

5. A reserve fund management device, applied to a reserve fund management server, characterized in that: include: A credit mapping application receiving unit, configured to receive a credit mapping application sent by a clearing server, wherein the credit mapping application is sent by a payment server to the clearing server, and the credit mapping application includes a mapped credit value; A quota adjustment result generating unit, configured to generate a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server; The credit limit adjustment result sending unit is used to send the credit limit adjustment result to the clearing server.

6. The device according to claim 5, characterized in that The quota adjustment result generating unit is further used for: When the mapping limit value is not greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is a successful mapping; When the mapping limit value is greater than the difference between the reserve fund balance of the payment server in the large-value payment server and the mapping limit of the payment server in each clearing server, the limit adjustment result is mapping failure.

7. The device according to claim 5, characterized in that Also includes: A credit settlement instruction receiving unit, used to receive a credit settlement instruction sent by the large-value payment server, wherein the credit settlement instruction is sent by the clearing server to the large-value payment server; A mapping quota adjustment unit is used to adjust the mapping quota of the clearing server according to the credit settlement instruction.

8. A reserve fund management device, applied to a clearing server, characterized in that: include: A credit limit mapping application receiving unit, configured to receive a credit limit mapping application sent by a payment server, wherein the credit limit mapping application includes a mapped credit limit value; A quota mapping application sending unit, used to send the quota mapping application to the reserve fund management server, and the reserve fund management server generates a quota adjustment result according to the mapped quota value, the mapped quota of the payment server in each clearing server, and the reserve fund balance of the payment server in the large-value payment server; The credit limit adjustment result receiving unit is used to receive the credit limit adjustment result returned by the reserve fund management server.

9. A fund management system, characterized in that: include: Payment server, clearing server and reserve fund management server; The payment server is used to send a quota mapping application to the clearing server, wherein the quota mapping application includes a mapped quota value; The clearing server is used to send the quota mapping application to the reserve fund management server; The reserve fund management server is used to generate a limit adjustment result according to the mapped limit value, the mapped limit of the payment server in each clearing server and the reserve fund balance of the payment server in the large-value payment server, and send the limit adjustment result to the clearing server.

10. An electronic device, characterized in that: include: processor; as well as A memory arranged to store computer executable instructions, which when executed cause the processor to perform the method of any one of claims 1 to 4.

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