Unified advance-fund account limit management method and system based on registration book form

Abstract

The invention relates to a unified advance fund account quota management method and system based on a register book form, and the method specifically comprises the steps: recording and managing advance fund quota information through an advance fund quota register book system, and distributing a unique quota ID for each product manager or product; setting a unified advance fund account, and collecting advance fund of all product managers; when the online fast redeeming transaction is received, the corresponding advance fund quota is verified and adjusted, and the advance fund quota is recorded in the advance fund quota registration book system; and through background guarding operation, consumption quota records are carried out according to a time sequence, an advance fund quota registration book system is updated, and closed-loop management is realized. Therefore, through the mode of the advance fund quota register book system, a plurality of advance fund accounts can be combined into a unified advance fund account, so that the relationship between the advance fund quota and the advance fund account is transformed, the relationship is changed into many-to-one, high-concurrency multi-dimensional advance fund quota management can be supported, the number of the advance fund accounts is effectively reduced, and the management efficiency of the advance fund quota is improved. And meanwhile, the system processing efficiency and safety are improved.

Description

Technical Field

[0001] The present invention relates to the service field of the financial technology industry, and in particular to a unified advance payment account quota management method and system based on a registration book form, which is mainly used in scenarios such as verification, deduction or supplementation of the quick redemption advance payment quota of wealth combination products in the financial industry, so as to optimize the existing advance payment quota management method, improve the efficiency of fund use and reduce operating costs. Background Art

[0002] In the financial industry, especially in terms of implementing quick redemption quotas for combination products, the currently commonly used technical solution is to verify the funding quota by verifying the balance of the funding account. The core of this solution is that each funding account corresponds to a specific funding quota. When a customer makes a quick redemption transaction, the system will check the balance of the funding account to confirm whether there is sufficient funds for the funding. However, this implementation method has several significant defects:

[0003] 1. The maintenance cost of the advance funding account is high: Since each advance funding account can only correspond to one advance funding quota, the number of advance funding accounts will grow rapidly with the development of business and the increase of product types. This not only increases the complexity of account management, but also leads to a significant increase in maintenance costs.

[0004] 2. Low efficiency of fund utilization: Due to the one-to-one relationship between the advance funding account and the advance funding quota, funds cannot be flexibly allocated between different accounts. This results in idle funds in some accounts and tight funds in other accounts, resulting in low overall fund utilization efficiency.

[0005] 3. Increased difficulty in risk management: The existence of multiple funding accounts increases the difficulty of risk management. Each account needs to be monitored and managed separately. Once a risk event occurs, it needs to be quickly located and handled, which increases the complexity and uncertainty of risk management.

[0006] In summary, the existing technical solutions have many deficiencies in the management of advance payment quotas. Therefore, a more efficient, flexible and lower-cost solution is urgently needed. In view of these problems, the present invention proposes a unified advance payment account quota management method and system based on a register form, aiming to improve the advance payment quota management level of the financial industry through technological innovation. Summary of the invention

[0007] In order to solve the deficiencies of the prior art, the present invention proposes a unified advance payment account limit management method and system based on a register form.

[0008] To achieve the above objectives, the technical solutions adopted by the present invention include:

[0009] A unified advance payment account limit management method based on a register form, characterized by comprising the following steps:

[0010] S1. Record and manage the advance payment quota information based on the advance payment quota registration system, and assign a unique quota ID to each product manager or product;

[0011] S2. Establish a unified advance payment account to collect all advance payments of the product managers;

[0012] S3. Receive the online quick redemption transaction, adjust the corresponding advance payment amount based on verification, and record the advance payment amount adjustment in the advance payment amount register system;

[0013] S4. Through the background guard operation, the consumption limit record is recorded in chronological order, and the advance payment limit registration book system is updated to implement closed-loop management.

[0014] Furthermore, the step S1 further includes:

[0015] Set an advance payment amount for the product manager or product and generate a reserve amount, which is a preset proportion of the advance payment amount to prevent the amount from exceeding the limit.

[0016] Furthermore, the step S3 specifically includes:

[0017] The advance payment quota is verified according to the transaction amount and the corresponding quota ID in the online quick redemption transaction; if the verification passes, the quota occupation record is registered in the advance payment quota registration book system, and the corresponding used quota is adjusted; if the verification fails, the online quick redemption transaction is rejected.

[0018] Further, the step S4 specifically includes:

[0019] Regularly poll the advance payment quota registration system to obtain unprocessed quota records; add or subtract the used quota according to the quota ID and processing method in the quota record; update the used quota and available quota information in the advance payment quota registration system to dynamically manage the quota.

[0020] Furthermore, the method further comprises:

[0021] S5. When the balance of the unified advance funding account is lower than the preset threshold, the payment request process is triggered; according to the advance funding request amount of the product manager or product, funds are transferred from the external account to the unified advance funding account; the release record of the used quota is registered in the advance funding quota registration book system, and the corresponding available quota information is updated.

[0022] In addition, the present invention also relates to a unified advance payment account limit management system based on a register form, which is characterized by comprising:

[0023] A management module is used to record and manage the advance payment quota information based on the advance payment quota registration system, and assign a unique quota ID to each product manager or product;

[0024] A funding account establishment module is used to establish a unified funding account to collect all funding funds of the product manager;

[0025] A transaction module, for receiving online quick redemption transactions, adjusting the corresponding advance payment amount based on verification, and recording the advance payment amount adjustment in the advance payment amount registration book system;

[0026] The guardian module is used to update the advance payment quota registration book system according to the time series consumption quota record through the background guardian operation to perform closed-loop management.

[0027] Furthermore, it also includes:

[0028] The payment request module is used to trigger the payment request process when the balance of the unified advance funding account is lower than a preset threshold; transfer funds from an external account to the unified advance funding account according to the advance funding request amount of the product manager or product; register the release record of the used quota in the advance funding quota registration book system, and update the corresponding available quota information.

[0029] In addition, the present invention also relates to an electronic device, characterized in that it comprises a processor and a memory;

[0030] The memory is used to store operation instructions;

[0031] The processor is used to execute the above method by calling the operation instruction.

[0032] In addition, the present invention also relates to a computer-readable storage medium, characterized in that a computer program is stored on the storage medium, and the computer program implements the above method when executed by a processor.

[0033] Adopting the scheme provided by this application, firstly, the advance funding quota information is recorded and managed through the advance funding quota registration book system, and a unique quota ID is assigned to each product manager or product; secondly, a unified advance funding account is established to collect the advance funding amounts of all product managers; then, when receiving the online quick redemption transaction, the corresponding advance funding quota is verified and adjusted, and recorded in the advance funding quota registration book system; finally, the backend datum job records the consumption quota in chronological order, updates the advance funding quota registration book system, and realizes closed-loop management. Therefore, through the advance funding quota registration book system, multiple advance funding accounts can be merged into a unified advance funding account, thereby transforming the relationship between the advance funding quota and the advance funding account, making it many-to-one, and supporting high-concurrency multi-dimensional advance funding quota management, effectively reducing the number of advance funding accounts, thereby reducing operating costs and risks, while improving system processing efficiency and security. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1 A flowchart of a unified advance payment account limit management method based on a register form;

[0035] Figure 2 A schematic diagram of the control of the advance payment amount provided in the embodiment of the present application;

[0036] Figure 3 A flow chart of a joint quick redemption transaction provided in an embodiment of the present application;

[0037] Figure 4 A flow chart for supplementing the advance payment amount provided in the embodiment of the present application;

[0038] Figure 5 A structural diagram of a unified advance payment account quota management system based on a register form;

[0039] Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0040] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present invention.

[0041] Those skilled in the art can understand that, unless otherwise stated, the singular forms "one", "an", "said" and "the" used herein may also include plural forms, and the "first", "second", etc., are only used to distinguish and define objects for the purpose of introducing the scheme clearly, and do not limit the objects themselves. Of course, the objects defined by "first" and "second" may be the same terminal, device, user, etc., or the same type of terminal, device and user. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0042] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments.

[0043] In order to more clearly introduce the technical solution of the present application, some concepts, terms or devices that may be involved in the following embodiments are introduced below to help understand the implementation solution disclosed in the present application:

[0044] Quota ID: Different quota IDs are generated according to different product administrators (TA) or products to control the quota usage of different TAs or products.

[0045] Advance payment amount: It is maintained by business personnel according to different TAs or products, and the first payment amount is the maintenance amount.

[0046] Reserve amount: Since the current quota and internal account update balance are asynchronous, in order to prevent the quota from exceeding the limit, 10% of the advance payment amount is retained as a warning line.

[0047] Used amount: The default amount for the first maintenance is equal to the advance payment amount. After the first payment, the amount is reduced to zero and accumulated during real-time redemption.

[0048] Available credit limit: the remaining amount after deducting the reserve amount and the used credit limit from the advance payment amount.

[0049] Customer subscription: The funds subscribed by customers will be transferred to the subscription internal account. The subscription details on working days will be sent to the fund company for confirmation, and on non-working days, it will be postponed to the next working day. After confirmation on the next day, the funds in the subscription internal account will be transferred to the fund company account.

[0050] Request payment: After the first maintenance of the request payment amount, the request payment guard will make the first request payment based on the request payment amount, and transfer the funds from the public account opened by the fund company in our bank to our bank's internal account for real-time redemption funds. The request payment guard polls every 5 minutes to make up the request payment amount for the used funds (used for real-time redemption) and release the quota.

[0051] Real-time customer redemption: A trial calculation is performed based on the redemption amount, and the redemption internal account of one or more product managers (TAs) is transferred to the customer account based on the calculated ratio, and the quota registration book details of one or more TAs are recorded.

[0052] Refund: The real-time redemption summary amount of each TA in the previous working day cycle (from 15:00 on working days to 15:00 on the next day, and from non-working days to 15:00 on the first working day after non-working days) is netted against the requested amount. Refunds are made from the real-time redemption internal account to the public account opened by the fund company. After the refund, new requests are made according to the requested amount maintained by each TA, and the amount is released or accumulated based on the netted amount.

[0053] Ordinary redemption: Ordinary redemption is initiated on T day and confirmed on the next working day. The fund company transfers the funds to the internal account for ordinary redemption on the next working day. After receiving the confirmation, the funds are blended and transferred from the internal account for ordinary redemption to the customer.

[0054] The present application embodiment provides a unified advance payment account limit management method based on a register form, combined with Figure 1-4 The schematic diagram shown includes:

[0055] S1. Record and manage the advance payment quota information based on the advance payment quota registration system, and assign a unique quota ID to each product manager or product;

[0056] S2. Establish a unified advance payment account to collect all advance payments of the product managers;

[0057] S3. Receive the online quick redemption transaction, adjust the corresponding advance payment amount based on verification, and record the advance payment amount adjustment in the advance payment amount register system;

[0058] S4. Through the background guard operation, the consumption limit record is recorded in chronological order, and the advance payment limit registration book system is updated to implement closed-loop management.

[0059] Furthermore, the step S1 further includes:

[0060] Set an advance payment amount for the product manager or product and generate a reserve amount, which is a preset proportion of the advance payment amount to prevent the amount from exceeding the limit.

[0061] Furthermore, the step S3 specifically includes:

[0062] The advance payment quota is verified according to the transaction amount and the corresponding quota ID in the online quick redemption transaction; if the verification passes, the quota occupation record is registered in the advance payment quota registration book system, and the corresponding used quota is adjusted; if the verification fails, the online quick redemption transaction is rejected.

[0063] Further, the step S4 specifically includes:

[0064] Regularly poll the advance payment quota registration system to obtain unprocessed quota records; add or subtract the used quota according to the quota ID and processing method in the quota record; update the used quota and available quota information in the advance payment quota registration system to dynamically manage the quota.

[0065] Among them, the guard job is processed in blocks according to TA or product, and the details of different TAs or products are executed in sequence to prevent hot spot locks.

[0066] Furthermore, the method further comprises:

[0067] S5. When the balance of the unified advance funding account is lower than the preset threshold, the payment request process is triggered; according to the advance funding request amount of the product manager or product, funds are transferred from the external account to the unified advance funding account; the release record of the used quota is registered in the advance funding quota registration book system, and the corresponding available quota information is updated.

[0068] Adopting the scheme provided by this application, firstly, the advance funding quota information is recorded and managed through the advance funding quota registration book system, and a unique quota ID is assigned to each product manager or product; secondly, a unified advance funding account is established to collect the advance funding amounts of all product managers; then, when receiving the online quick redemption transaction, the corresponding advance funding quota is verified and adjusted, and recorded in the advance funding quota registration book system; finally, the backend datum job records the consumption quota in chronological order, updates the advance funding quota registration book system, and realizes closed-loop management. Therefore, through the advance funding quota registration book system, multiple advance funding accounts can be merged into a unified advance funding account, thereby transforming the relationship between the advance funding quota and the advance funding account, making it many-to-one, and supporting high-concurrency multi-dimensional advance funding quota management, effectively reducing the number of advance funding accounts, thereby reducing operating costs and risks, while improving system processing efficiency and security.

[0069] In addition, another aspect also relates to a unified advance payment account quota management system based on a register form, the structure of which is as follows: Figure 5 As shown, including:

[0070] Management module 501, used to record and manage advance payment quota information based on the advance payment quota registration book system, and assign a unique quota ID to each product manager or product;

[0071] The advance payment account establishment module 502 is used to establish a unified advance payment account to collect all advance payment funds of the product manager;

[0072] The transaction module 503 is used to receive the online quick redemption transaction, adjust the corresponding advance payment amount based on verification, and make a record of the advance payment amount adjustment in the advance payment amount registration book system;

[0073] The guard module 504 is used to update the advance payment quota registration book system according to the time series consumption quota record through the background guard operation to perform closed-loop management.

[0074] The payment request module 505 is used to trigger the payment request process when the balance of the unified advance payment account is lower than a preset threshold; transfer funds from an external account to the unified advance payment account according to the advance payment request amount of the product manager or product; register the release record of the used quota in the advance payment quota registration book system, and update the corresponding available quota information.

[0075] Furthermore, the management module 501 is also used for:

[0076] Set an advance payment amount for the product manager or product and generate a reserve amount, which is a preset proportion of the advance payment amount to prevent the amount from exceeding the limit.

[0077] Furthermore, the transaction module 503 is also used for:

[0078] The advance payment quota is verified according to the transaction amount and the corresponding quota ID in the online quick redemption transaction; if the verification passes, the quota occupation record is registered in the advance payment quota registration book system, and the corresponding used quota is adjusted; if the verification fails, the online quick redemption transaction is rejected.

[0079] Furthermore, the guard module 504 is also used for:

[0080] Regularly poll the advance payment quota registration system to obtain unprocessed quota records; add or subtract the used quota according to the quota ID and processing method in the quota record; update the used quota and available quota information in the advance payment quota registration system to dynamically manage the quota.

[0081] By using this system, the above method can be executed and the corresponding technical effects can be achieved.

[0082] An embodiment of the present invention further provides an electronic device for executing the above method, as an implementation device of the method, comprising a processor and a memory;

[0083] A memory, used for storing operation instructions;

[0084] The processor is used to execute the unified advance payment account limit management method based on the registration book provided in any embodiment of the present application by calling an operation instruction.

[0085] As an example, Figure 6 A schematic diagram of the structure of an electronic device applicable to an embodiment of the present application is shown, and the electronic device 600 includes: a processor 601 and a memory 603. The processor 601 and the memory 603 are connected, such as through a bus 602. Optionally, the electronic device 600 may also include a transceiver 604. It should be noted that in actual applications, the transceiver 604 is not limited to one. It is understandable that the structure illustrated in the embodiment of the present invention does not constitute a specific limitation on the specific structure of the electronic device 600. In other embodiments of the present application, the electronic device 600 may include more or fewer components than shown in the figure, or combine certain components, or split certain components, or arrange the components differently. The illustrated components may be implemented in hardware, software, or a combination of software and hardware. Optionally, the electronic device may also include a display screen 605 for displaying images, or receiving user operation instructions when necessary.

[0086] The processor 601 is applied in the embodiment of the present application to implement the method shown in the above method embodiment. The transceiver 604 may include a receiver and a transmitter. The transceiver 604 is applied in the embodiment of the present application to implement the function of the electronic device of the embodiment of the present application communicating with other devices when executed.

[0087] Processor 601 may be a CPU (Central Processing Unit), a general purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 601 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0088] The processor 601 may also include one or more processing units, for example: the processor 601 may include an application processor (application processor, AP), a modem processor, a graphics processor (graphics processing unit, GPU), an image signal processor (image signal processor, ISP), a controller, a memory, a video codec, a digital signal processor (digital signal processor, DSP), a baseband processor, and / or a neural network processor (Neural-network Processing Unit, NPU), etc. Different processing units can be independent devices or integrated into one or more processors. Among them, the controller can be the nerve center and command center of the electronic device 600. The controller can generate an operation control signal according to the instruction opcode and the timing signal to complete the control of fetching and executing instructions. A memory can also be set in the processor 601 for storing instructions and data. In some embodiments, the memory in the processor 601 is a cache memory. The memory can save instructions or data that the processor 601 has just used or circulated.

[0089] Processor 601 can run the unified advance payment account limit management method based on the registration book form provided in the embodiment of the present application. Processor 601 may include different devices. For example, when integrating CPU and GPU, the CPU and GPU can cooperate to execute the unified advance payment account limit management method based on the registration book form provided in the embodiment of the present application. Part of the algorithm is executed by the CPU, and the other part of the algorithm is executed by the GPU to obtain faster processing efficiency.

[0090] The bus 602 may include a path to transmit information between the above components. The bus 602 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus 602 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 6 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0091] The memory 603 may be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory), or may include a high-speed random access memory, or may include a non-volatile memory, such as at least one disk storage device, a flash memory device, a universal flash storage (UFS), or other optical disk storage, optical disk storage (including compressed optical disk, laser disk, optical disk, digital versatile disk, Blu-ray disk, etc.), a disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited to this.

[0092] Optionally, the memory 603 is used to store application code for executing the solution of the present application, and the execution is controlled by the processor 601. The processor 601 is used to execute the application code stored in the memory 603 to implement the unified advance payment account limit management method based on the register form provided in any embodiment of the present application.

[0093] The memory 603 can be used to store computer executable program codes, which include instructions. The processor 601 executes various functional applications and data processing of the electronic device 600 by running the instructions stored in the memory 603. The memory 603 may include a program storage area and a data storage area. Among them, the program storage area may store the code of the operating system, the application program, etc. The data storage area may store data created during the use of the electronic device 600 (such as images, videos, etc. collected by the camera application), etc.

[0094] The memory 603 may also store one or more computer programs corresponding to the unified advance payment account limit management method based on the register form provided in the embodiment of the present application. The one or more computer programs are stored in the above-mentioned memory 603 and are configured to be executed by the one or more processors 601, and the one or more computer programs include instructions, and the above-mentioned instructions can be used to execute each step in the above-mentioned corresponding embodiment.

[0095] Of course, the code of the unified advance payment account limit management method based on the registration book form provided in the embodiment of the present application can also be stored in an external memory.

[0096] The display screen 605 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode or an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), Miniled, MicroLed, Micro-oLed, a quantum dot light-emitting diode (QLED), etc. In some embodiments, the electronic device 600 may include 1 or N display screens 605, where N is a positive integer greater than 1. The display screen 605 can be used to display information input by a user or information provided to a user and various graphical user interfaces (GUIs). For example, the display screen 605 can display photos, videos, web pages, or files.

[0097] The electronic device provided in the embodiment of the present application is applicable to any embodiment of the above method. Therefore, the beneficial effects that can be achieved can refer to the beneficial effects in the corresponding method provided above, which will not be repeated here.

[0098] An embodiment of the present invention also provides a computer-readable storage medium capable of implementing all the steps in the method in the above embodiment, wherein a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all the steps in the method in the above embodiment are implemented.

[0099] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0100] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce 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 system that specifies the functions of a box or boxes.

[0101] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction system, which is implemented in the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0102] 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 1The steps of the functions specified in a box or multiple boxes. Although the preferred embodiments of the present invention have been described, those skilled in the art may make additional changes and modifications to these embodiments once they know the basic creative concept. Therefore, the attached claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0103] The above is only a preferred specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed by the present invention should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A unified advance payment account limit management method based on a register form, characterized in that: The following steps are involved: S1. Record and manage the advance payment quota information based on the advance payment quota registration system, and assign a unique quota ID to each product manager or product; S2. Establish a unified advance payment account to collect all advance payments of the product managers; S3. Receive the online quick redemption transaction, adjust the corresponding advance payment amount based on verification, and record the advance payment amount adjustment in the advance payment amount register system; S4. Through the background guard operation, the consumption limit record is recorded in chronological order, and the advance payment limit registration book system is updated to implement closed-loop management.

2. The method according to claim 1, characterized in that The step S1 further comprises: Set an advance payment amount for the product manager or product and generate a reserve amount, which is a preset proportion of the advance payment amount to prevent the amount from exceeding the limit.

3. The method according to claim 1 or 2, characterized in that: The step S3 further comprises: The advance payment quota is verified according to the transaction amount and the corresponding quota ID in the online quick redemption transaction; if the verification passes, the quota occupation record is registered in the advance payment quota registration book system, and the corresponding used quota is adjusted; if the verification fails, the online quick redemption transaction is rejected.

4. The method according to claim 3, characterized in that The step S4 further comprises: Regularly poll the advance payment quota registration system to obtain unprocessed quota records; add or subtract the used quota according to the quota ID and processing method in the quota record; update the used quota and available quota information in the advance payment quota registration system to dynamically manage the quota.

5. The method according to claim 1, characterized in that Also includes: S5. When the balance of the unified advance payment account is lower than the preset threshold, the payment request process is triggered; Based on the advance payment amount requested by the product manager or product, funds are transferred from the external account to the unified advance payment account; the release record of the used quota is registered in the advance payment quota registration book system, and the corresponding available quota information is updated.

6. A unified advance payment account limit management system based on a register form, characterized in that: include: A management module is used to record and manage the advance payment quota information based on the advance payment quota registration system, and assign a unique quota ID to each product manager or product; A funding account establishment module is used to establish a unified funding account to collect all funding funds of the product manager; A transaction module, for receiving online quick redemption transactions, adjusting the corresponding advance payment amount based on verification, and recording the advance payment amount adjustment in the advance payment amount registration book system; The guardian module is used to update the advance payment quota registration book system according to the time series consumption quota record through the background guardian operation to perform closed-loop management.

7. The system according to claim 6, characterized in that The system further comprises: The payment request module is used to trigger the payment request process when the balance of the unified advance funding account is lower than a preset threshold; transfer funds from an external account to the unified advance funding account according to the advance funding request amount of the product manager or product; register the release record of the used quota in the advance funding quota registration book system, and update the corresponding available quota information.

8. An electronic device, characterized in that: including a processor and a memory; The memory is used to store operation instructions; The processor is used to execute the method according to any one of claims 1 to 5 by calling the operation instruction.

9. A computer-readable storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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