Account fund allocation method and device, electronic equipment and storage medium

Abstract

The invention provides an account fund allocation method and device, electronic equipment and a storage medium. The method is applied to a financial application program side. A main account and a payment sub-account associated with the main account are registered on the financial application program side; the main account is also associated with a revenue sub-account, and the revenue sub-account is obtained by registration of a bank side; the method comprises the following steps: responding to a business transaction request received by a main account, and calling available funds stored in a payment sub-account; in response to the fact that the available funds are not enough to complete the business transaction, the income funds to be deducted are allocated from the income funds in the income sub-account, and the income funds are funds which are stored in the income sub-account and are used for generating the fund income; and completing the business transaction request based on the available funds and the to-be-deducted income funds. On the premise that capital income is created for the user, normal transaction of the payment sub-account can be ensured.

Description

Technical Field

[0001] The present invention relates to the technical field of fund allocation, and in particular to an account fund allocation method, device, electronic equipment and storage medium. Background Art

[0002] In the field of enterprise wallet value-added, for a user's main account, a payment sub-account can be set up under the main account to store a certain amount of funds for transaction transfer payments. However, other funds in the payment sub-account other than those used for transaction transfer payments cannot be effectively used and will not generate additional financial income. In the application process, an income sub-account is often set up to use additional funds to generate financial income for the user of the main account. However, when users conduct transaction transfers based on transaction sub-accounts, the funds in the transaction sub-account are often insufficient to complete normal business transactions, affecting the business.

[0003] Therefore, finding a method for allocating account funds that can ensure normal transactions in payment sub-accounts while ensuring that financial benefits are created for users has become a current research hotspot. Summary of the invention

[0004] The present invention provides an account funds transfer method, device, electronic equipment and storage medium, which can ensure that normal transactions of payment sub-accounts are carried out while ensuring the creation of financial returns for users.

[0005] The present invention provides an account funds allocation method, which is applied to a financial application side; the financial application side has registered a main account and a payment sub-account associated with the main account; the main account is also associated with an income sub-account, and the income sub-account is registered on a bank side; the method comprises: in response to the main account receiving a business transaction request, retrieving available funds stored in the payment sub-account; in response to the available funds being insufficient to complete the business transaction, allocating income funds to be deducted from the income funds in the income sub-account, wherein the income funds are funds stored in the income sub-account for generating financial income; based on the available funds and the income funds to be deducted, completing the business transaction request.

[0006] According to an account fund allocation method provided by the present invention, the payment sub-account and the income sub-account have a mapping association relationship; before allocating the income funds to be deducted from the income funds in the income sub-account, the method also includes: based on the payment sub-account and the mapping association relationship, mapping to obtain the income sub-account having a mapping association relationship with the payment sub-account.

[0007] According to an account funds allocation method provided by the present invention, the amount of the income funds to be deducted is determined in the following manner: based on the business transaction request, determining the transaction amount for completing the business transaction; determining the available amount of the available funds stored in the payment subaccount; based on the difference between the transaction amount and the available amount of funds, determining the amount of the income funds to be deducted.

[0008] According to a method for allocating account funds provided by the present invention, a mapping sub-account associated with the main account is also registered on the financial application side, wherein the mapping sub-account is used to synchronously display the amount of income funds in the income sub-account in real time; after the income funds to be deducted are allocated from the income funds in the income sub-account, the method further includes: obtaining a fund transfer message by means of an asynchronous message, wherein the fund transfer message is used to describe the message that the income funds in the income sub-account have been allocated to the income funds to be deducted; based on the fund transfer message, the amount of income funds in the income sub-account displayed in the mapping sub-account is synchronized in real time.

[0009] According to an account funds allocation method provided by the present invention, in response to the main account receiving a business transaction request, before retrieving the available funds stored in the payment sub-account, the method also includes: obtaining the transaction amounts of multiple historical business transactions of the payment sub-account within a preset time; determining a reference transaction amount based on the multiple transaction amounts; in response to the available funds amount of the available funds being more than the reference transaction amount, determining a target allocation amount of the available funds based on the available funds amount and the reference transaction amount; and allocating the available funds of the target allocation amount to the income funds in the income sub-account.

[0010] According to an account funds allocation method provided by the present invention, after determining the target allocation amount of the available funds, the method further includes: obtaining target available funds after deducting the target allocation amount from the available funds; and retrieving the available funds stored in the payment sub-account in response to the main account receiving a business transaction request, specifically including: retrieving the target available funds stored in the payment sub-account in response to the main account receiving a business transaction request.

[0011] According to a method for allocating account funds provided by the present invention, before allocating the available funds of the target allocation amount to the income funds in the income sub-account, the method also includes: forming an allocation prompt information, wherein the allocation prompt information is used to prompt the user that the financial application is about to transfer the available funds of the target allocation amount to the income funds in the income sub-account; the allocating the available funds of the target allocation amount to the income funds in the income sub-account specifically includes: in response to not receiving a rejection instruction initiated by the user, allocating the available funds of the target allocation amount to the income funds in the income sub-account, wherein the rejection instruction is a rejection operation instruction initiated by the user after viewing the transfer prompt information, and the rejection operation instruction is an instruction to reject the financial application from transferring the available funds of the target allocation amount to the income funds in the income sub-account.

[0012] The present invention also provides an account funds allocation device, which is applied to a financial application side; the financial application side has registered a main account and a payment sub-account associated with the main account; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the device includes: a retrieval module, which is used to retrieve the available funds stored in the payment sub-account in response to the main account receiving a business transaction request; a processing module, which is used to allocate the income funds to be deducted from the income funds in the income sub-account in response to the available funds being insufficient to complete the business transaction, wherein the income funds are funds stored in the income sub-account for generating financial income; a transaction module, which is used to complete the business transaction request based on the available funds and the income funds to be deducted.

[0013] The present invention also provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, any of the account funds transfer methods described above is implemented.

[0014] The present invention also provides a non-transitory computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the account funds transfer method described in any one of the above methods is implemented.

[0015] The present invention also provides a computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the account funds transfer method described above is implemented.

[0016] The account fund transfer method, device, electronic device and storage medium provided by the present invention are applied to the financial application side; the financial application side has a main account and a payment sub-account associated with the main account registered; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the method includes: in response to the main account receiving a business transaction request, calling the available funds stored in the payment sub-account; in response to the available funds being insufficient to complete the business transaction, transferring the income funds to be deducted from the income funds in the income sub-account; completing the business transaction request based on the available funds and the income funds to be deducted. It is achieved that on the premise of ensuring the creation of financial income for users, it is also possible to ensure that the payment sub-account can carry out normal transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the technical solutions in the present invention or the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0018] Figure 1 This is one of the flow charts of the account funds transfer method provided by the present invention.

[0019] Figure 2 It is a flow chart of determining the amount of income funds to be deducted provided by the present invention.

[0020] Figure 3 This is the second flow chart of the account funds transfer method provided by the present invention.

[0021] Figure 4 This is the third flow chart of the account funds transfer method provided by the present invention.

[0022] Figure 5 It is a structural schematic diagram of the account funds allocation device provided by the present invention.

[0023] Figure 6 It is a structural schematic diagram of the electronic device provided by the present invention. DETAILED DESCRIPTION

[0024] In order to make the purpose, technical solution and advantages of the present invention clearer, the technical solution of the present invention will be clearly and completely described below in conjunction with the drawings of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0025] Figure 1 This is one of the flow charts of the account funds transfer method provided by the present invention.

[0026] The following will be combined Figure 1 The process of the account funds allocation method provided by the present invention is described.

[0027] In an exemplary embodiment of the present invention, the account fund transfer method can be applied to the financial application APP side; the financial application side can register a main account (also called a parent account) and a payment sub-account associated with the main account; the main account is also associated with an income sub-account. In one example, the main account, the income sub-account and the payment sub-account can have the same account name; the income sub-account can be registered by the bank side. Figure 1 It can be seen that the account funds allocation method may include steps 110 to 130, and each step will be introduced below.

[0028] In step 110, in response to the main account receiving the business transaction request, available funds stored in the payment sub-account are retrieved.

[0029] In one embodiment, when the main account receives a business transaction request, since the main account is a virtual account and the available funds stored in the payment sub-account are used, the available funds stored in the payment sub-account can be retrieved during the application process.

[0030] In step 120, in response to insufficient available funds to complete the business transaction, the revenue funds to be deducted are transferred from the revenue funds in the revenue sub-account, wherein the revenue funds are funds stored in the revenue sub-account for generating capital revenue.

[0031] In step 130, the business transaction request is completed based on the available funds and the revenue funds to be deducted.

[0032] In another embodiment, if it is detected that the available funds are insufficient to complete the business transaction, in order to ensure the smooth progress of the transaction business, it is necessary to transfer a part of the funds from the income funds in the income sub-account to complete the transaction together, that is, to transfer the income funds to be deducted from the income funds in the income sub-account to complete the business transaction request together with the available funds. Among them, the income funds are funds stored in the income sub-account for generating financial income. In the application process, since income can be generated based on the income funds in the income sub-account, and in the case that the available funds are insufficient to complete the business transaction, the income funds to be deducted can also be transferred from the income funds in the income sub-account to complete the business transaction request together with the available funds, so that the normal transaction of the payment sub-account can be ensured while ensuring the creation of financial income for users.

[0033] The account fund transfer method, device, electronic device and storage medium provided by the present invention are applied to the financial application side; the financial application side has a main account and a payment sub-account associated with the main account registered; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the method includes: in response to the main account receiving a business transaction request, calling the available funds stored in the payment sub-account; in response to the available funds being insufficient to complete the business transaction, transferring the income funds to be deducted from the income funds in the income sub-account; completing the business transaction request based on the available funds and the income funds to be deducted. It is achieved that on the premise of ensuring the creation of financial income for users, it is also possible to ensure that the payment sub-account can carry out normal transactions.

[0034] In another exemplary embodiment of the present invention, the payment sub-account and the income sub-account have a mapping association relationship. Figure 1 Take the example for illustration, wherein, before allocating the income funds to be deducted from the income funds in the income sub-account (corresponding to step 120), the account fund allocation method may further include the following steps: Based on the payment sub-account and the mapping association relationship, an income sub-account having a mapping association relationship with the payment sub-account is mapped.

[0035] In one embodiment, an income sub-account having a mapping association relationship with a payment sub-account can be obtained through a mapping association relationship. Furthermore, the income funds to be deducted are allocated from the income funds to complete the business transaction request together with the available funds, thereby ensuring the normal execution of online transactions (transfers, split accounts, etc.).

[0036] Figure 2 It is a flow chart of determining the amount of income funds to be deducted provided by the present invention.

[0037] The following will be combined Figure 2 The process of determining the amount of income funds to be deducted provided by the present invention is explained.

[0038] In an exemplary embodiment of the present invention, Figure 2 It can be seen that determining the amount of funds to be deducted from the income funds may include steps 210 to 230, and each step will be introduced below.

[0039] In step 210, based on the business transaction request, a transaction amount for completing the business transaction is determined; In step 220, the available funds amount of the available funds stored in the payment subaccount is determined; In step 230, the amount of funds to be deducted from the earnings funds is determined based on the difference between the transaction amount and the amount of available funds.

[0040] In one embodiment, the transaction amount required to complete the business transaction can be determined based on the business transaction request. Further, the available funds amount of the available funds stored in the payment subaccount is determined. Since the available funds amount of the available funds is less than the transaction amount, the portion that is less can be supplemented by the income funds to be deducted. During the application process, the amount of income funds to be deducted can be determined based on the difference between the transaction amount and the available funds amount. In this embodiment, the determined amount of income funds to be deducted can just make up for the portion of the available funds amount of the available funds that is less than the transaction amount, thereby ensuring that the transaction proceeds smoothly and maximizing the income of the funds.

[0041] Figure 3 This is the second flow chart of the account funds transfer method provided by the present invention.

[0042] The following will be combined Figure 3 The process of another method of transferring account funds is explained.

[0043] In an exemplary embodiment of the present invention, the financial application also registers a mapping sub-account associated with the main account, wherein the mapping sub-account is used to synchronously display the amount of income funds in the income sub-account in real time. Figure 3 It can be seen that after the income funds to be deducted are allocated from the income funds in the income sub-account, the account fund allocation method further includes steps 310 to 330, and each step will be introduced below.

[0044] In step 310, a fund transfer message is obtained by asynchronous messaging, wherein the fund transfer message is used to describe that the income funds in the income sub-account have been transferred to the income funds to be deducted; In step 320, based on the fund transfer message, the amount of income funds in the income sub-account displayed in the mapped sub-account is synchronized in real time.

[0045] In one embodiment, a fund transfer message may be obtained, wherein the fund transfer message is used to describe that the income funds in the income sub-account have been transferred to the income funds to be deducted, wherein the fund transfer message may also be obtained in the form of an asynchronous message.

[0046] Furthermore, based on the fund transfer message, the amount of income funds in the income subaccount displayed in the mapped subaccount can be synchronized in real time to make the amount of income funds displayed in the mapped subaccount match the actual amount of income funds, thereby achieving consistency in fund flow and information flow.

[0047] Figure 4 This is the third flow chart of the account funds transfer method provided by the present invention.

[0048] The following will be combined Figure 4 The process of another account funds allocation method provided by the present invention is described.

[0049] In an exemplary embodiment of the present invention, Figure 4 It can be seen that in response to the main account receiving the business transaction request, before calling the available funds stored in the payment sub-account, the account funds transfer method can also include steps 410 to 440, each of which will be introduced below.

[0050] In step 410, the transaction amounts of multiple historical business transactions of the payment sub-account within a preset time are obtained.

[0051] In step 420 , a reference transaction amount is determined based on the multiple transaction amounts.

[0052] In one embodiment, the available funds stored in the initial payment sub-account can be implemented according to the manual settings of the user. It is understandable that the available funds are a kind of guaranteed funds for flexible payment. In actual application, users tend to set the available funds amount of the available funds higher to avoid transaction failures. However, in this case, it is impossible to maximize the benefits. Therefore, during the application process, the transaction amounts of multiple historical business transactions of the payment sub-account within a preset time can be obtained. Further, based on multiple transaction amounts, a reference transaction amount is determined. Among them, the reference transaction amount can be the median, average, etc. of multiple transaction amounts. In other words, the reference transaction amount can be determined based on the statistical processing of multiple transaction amounts. In this embodiment, the specific method of determining the reference transaction amount is not limited.

[0053] It is understandable that the determined reference transaction amount can be used as a reference for setting the available funds amount stored in the payment sub-account.

[0054] In step 430 , in response to the available fund amount of the available funds being greater than the reference transaction amount, a target allocated fund amount of the available funds is determined based on the available fund amount and the reference transaction amount.

[0055] In step 440, available funds of the target transfer amount are transferred to the income funds in the income sub-account.

[0056] In another embodiment, when it is determined that the available funds amount of the available funds is greater than the reference transaction amount, it means that the set available funds amount of the available funds is too high, and therefore, the target allocation amount of the available funds can be determined based on the available funds amount and the reference transaction amount. It can be understood that the target allocation amount of the available funds can be considered as the portion that exceeds the reference transaction amount.

[0057] In another example, the target allocation amount of available funds may be the difference between the available funds and the reference transaction amount. Further, the available funds of the target allocation amount may be allocated to the income funds in the income subaccount to generate fund income. Through this embodiment, while ensuring that the transaction proceeds normally, it is also possible to maximize the income.

[0058] In another exemplary embodiment of the present invention, the above-mentioned embodiment is continued to be used as an example for explanation. After determining the target transfer amount of available funds, the account funds transfer method may further include the following steps: After deducting the target transfer amount from the available funds, the target available funds are obtained; Furthermore, in response to the main account receiving the business transaction request, the available funds stored in the payment sub-account are retrieved, which can be implemented in the following ways: In response to the main account receiving the business transaction request, the target available funds stored in the payment sub-account are retrieved.

[0059] In one embodiment, the target available funds can be obtained by deducting the target allocated funds from the available funds. It is understandable that the target available funds amount is the difference between the available funds amount and the target allocated funds amount. Further, when the main account receives a business transaction request, the target available funds stored in the payment sub-account can be directly retrieved.

[0060] In another exemplary embodiment of the present invention, the above-mentioned embodiment is continued as an example for explanation. Before allocating the available funds of the target allocation amount to the income funds in the income sub-account, the account funds allocation method may further include the following steps: Forming transfer reminder information, wherein the transfer reminder information is used to remind the user that the financial application is about to transfer the available funds of the target transfer amount to the income funds in the income sub-account; Furthermore, the available funds of the target transfer amount are transferred to the income funds in the income sub-account, including: In response to not receiving a rejection instruction initiated by the user, the available funds of the target allocation amount are allocated to the income funds in the income sub-account, wherein the rejection instruction is a rejection operation instruction initiated by the user after viewing the allocation prompt information, and the rejection operation instruction is an instruction to reject the financial application to transfer the available funds of the target allocation amount to the income funds in the income sub-account.

[0061] In one embodiment, before allocating the available funds of the target allocated funds amount to the income funds in the income sub-account, an allocation prompt message may be generated, so as to prompt the user that the financial application is about to allocate the available funds of the target allocated funds amount to the income funds in the income sub-account. If the user does not want to allocate the available funds of the target allocated funds amount to the income sub-account, a rejection instruction may be initiated, and then the allocation of the available funds of the target allocated funds amount to the income funds in the income sub-account will be stopped.

[0062] In another embodiment, if no rejection instruction is received from the user, the available funds of the target allocation amount can be transferred to the income funds in the income sub-account to generate income and maximize income. The rejection instruction is a rejection operation instruction initiated by the user after viewing the allocation prompt information, and the rejection operation instruction is an instruction to reject the financial application to transfer the available funds of the target allocation amount to the income funds in the income sub-account.

[0063] According to the foregoing description, the account funds transfer method provided by the present invention is applied to the financial application side; the financial application side has registered a main account and a payment sub-account associated with the main account; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the method includes: when the main account receives a business transaction request, the available funds stored in the payment sub-account are retrieved; when the available funds are insufficient to complete the business transaction, the income funds to be deducted are transferred from the income funds in the income sub-account; based on the available funds and the income funds to be deducted, the business transaction request is completed. It is achieved that on the premise of ensuring the creation of financial income for users, the normal transaction of the payment sub-account can also be ensured.

[0064] The following is a description of the account funds transfer device provided by the present invention. The account funds transfer device described below and the account funds transfer method described above can be referenced to each other.

[0065] Figure 5 It is a structural schematic diagram of the account funds allocation device provided by the present invention.

[0066] The following will be combined Figure 5 The structure of the account funds transfer device is described.

[0067] In an exemplary embodiment of the present invention, the account funds transfer device can be applied to a financial application side; the financial application side has a main account and a payment sub-account associated with the main account registered; the main account is also associated with an income sub-account, and the income sub-account is registered by the bank side. Figure 5It can be seen that the account funds transfer device may include a transfer module 510, a processing module 520, and a transaction module 530. Each module will be introduced below.

[0068] The retrieval module 510 may be configured to retrieve the available funds stored in the payment sub-account in response to the main account receiving a business transaction request; The processing module 520 may be configured to allocate the revenue funds to be deducted from the revenue funds in the revenue sub-account in response to the available funds being insufficient to complete the business transaction, wherein the revenue funds are funds stored in the revenue sub-account for generating capital revenue; The transaction module 530 may be configured to complete the business transaction request based on the available funds and the revenue funds to be deducted.

[0069] In an exemplary embodiment of the present invention, the payment sub-account and the income sub-account have a mapping association relationship; The processing module 520 may also be configured to: Based on the payment sub-account and the mapping association relationship, the income sub-account having a mapping association relationship with the payment sub-account is mapped.

[0070] In an exemplary embodiment of the present invention, the processing module 520 may determine the amount of the revenue funds to be deducted in the following manner: Based on the business transaction request, determining a transaction amount for completing the business transaction; determining an available funds amount of available funds stored in the payment sub-account; Based on the difference between the transaction amount and the available funds, the amount of the earnings funds to be deducted is determined.

[0071] In an exemplary embodiment of the present invention, the financial application side also registers a mapping sub-account associated with the main account, wherein the mapping sub-account is used to synchronously display the amount of income funds in the income sub-account in real time; The processing module 520 may also be configured to: Obtaining a fund transfer message by means of an asynchronous message, wherein the fund transfer message is used to describe that the income funds in the income sub-account have been transferred to the income funds to be deducted; Based on the fund transfer message, the amount of income funds in the income sub-account displayed in the mapping sub-account is synchronized in real time.

[0072] In an exemplary embodiment of the present invention, the calling module 510 may also be configured to: Obtaining the transaction amounts of multiple historical business transactions of the payment sub-account within a preset time; Based on the plurality of transaction amounts, determining a reference transaction amount; In response to the available fund amount of the available funds being greater than the reference transaction amount, determining a target allocated fund amount of the available funds based on the available fund amount and the reference transaction amount; The available funds of the target allocated funds amount are allocated to the income funds in the income sub-account.

[0073] In an exemplary embodiment of the present invention, the calling module 510 may also be configured to: After deducting the target amount of allocated funds from the available funds, the target available funds are obtained; The retrieval module 510 may also adopt the following method to retrieve the available funds stored in the payment sub-account in response to the main account receiving the business transaction request: In response to the main account receiving the business transaction request, the target available funds stored in the payment sub-account are retrieved.

[0074] In an exemplary embodiment of the present invention, the processing module 520 may also be configured to: Forming transfer reminder information, wherein the transfer reminder information is used to remind the user that the financial application is about to transfer the available funds of the target transfer amount to the income funds in the income sub-account; The processing module 520 may also use the following method to transfer the available funds of the target transfer amount to the income funds in the income sub-account: In response to not receiving a rejection instruction initiated by the user, the available funds of the target allocation amount are allocated to the income funds in the income sub-account, wherein the rejection instruction is a rejection operation instruction initiated by the user after viewing the allocation prompt information, and the rejection operation instruction is an instruction to reject the financial application to allocate the available funds of the target allocation amount to the income funds in the income sub-account.

[0075] Figure 6 An example of a physical structure diagram of an electronic device is shown in FIG. Figure 6As shown, the electronic device may include: a processor 610, a communication interface 620, a memory 630 and a communication bus 640, wherein the processor 610, the communication interface 620 and the memory 630 complete mutual communication through the communication bus 640. The processor 610 may call the logic instructions in the memory 630 to execute the account fund transfer method, which is applied to the financial application side; the financial application side has a main account and a payment sub-account associated with the main account registered; the main account is also associated with an income sub-account, and the income sub-account is registered by the bank side; the method includes: in response to the main account receiving a business transaction request, calling the available funds stored in the payment sub-account; in response to the available funds being insufficient to complete the business transaction, transferring the income funds to be deducted from the income funds in the income sub-account, wherein the income funds are funds stored in the income sub-account for generating capital income; based on the available funds and the income funds to be deducted, completing the business transaction request.

[0076] In addition, the logic instructions in the above-mentioned memory 630 can be implemented in the form of a software functional unit and can be stored in a computer-readable storage medium when it is sold or used as an independent product. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art or the part of the technical solution, can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0077] On the other hand, the present invention also provides a computer program product, which includes a computer program, which can be stored on a non-transitory computer-readable storage medium. When the computer program is executed by a processor, the computer can execute the account funds allocation method provided by the above methods, and the method is applied to the financial application side; the financial application side has a main account and a payment sub-account associated with the main account registered; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the method includes: in response to the main account receiving a business transaction request, retrieving the available funds stored in the payment sub-account; in response to the available funds being insufficient to complete the business transaction, allocating the income funds to be deducted from the income funds in the income sub-account, wherein the income funds are funds stored in the income sub-account for generating financial income; based on the available funds and the income funds to be deducted, completing the business transaction request.

[0078] On the other hand, the present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, is implemented to execute the account funds transfer methods provided by the above-mentioned methods, wherein the methods are applied to a financial application side; a main account and a payment sub-account associated with the main account are registered on the financial application side; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the method comprises: in response to the main account receiving a business transaction request, retrieving the available funds stored in the payment sub-account; in response to the available funds being insufficient to complete the business transaction, allocating income funds to be deducted from the income funds in the income sub-account, wherein the income funds are funds stored in the income sub-account for generating financial income; based on the available funds and the income funds to be deducted, completing the business transaction request.

[0079] The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative labor.

[0080] Through the description of the above implementation methods, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be implemented by hardware. Based on this understanding, the above technical solution is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or some parts of the embodiments.

[0081] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A method for allocating account funds, characterized in that: The method is applied to a financial application side; the financial application side has a main account and a payment sub-account associated with the main account registered; the main account is also associated with an income sub-account, and the income sub-account is registered on the bank side; the method includes: In response to the main account receiving a business transaction request, retrieving available funds stored in the payment sub-account; In response to the available funds being insufficient to complete the business transaction, the revenue funds to be deducted are transferred from the revenue funds in the revenue sub-account, wherein the revenue funds are funds stored in the revenue sub-account for generating capital revenue; Based on the available funds and the revenue funds to be deducted, the business transaction request is completed.

2. The method for transferring account funds according to claim 1, characterized in that: The payment sub-account and the income sub-account have a mapping association relationship; Before allocating the income funds to be deducted from the income funds in the income sub-account, the method further includes: Based on the payment sub-account and the mapping association relationship, the income sub-account having a mapping association relationship with the payment sub-account is mapped.

3. The method for transferring account funds according to claim 2, characterized in that: The amount of the income funds to be deducted is determined in the following manner: Based on the business transaction request, determining a transaction amount for completing the business transaction; determining an available funds amount of available funds stored in the payment sub-account; Based on the difference between the transaction amount and the available funds, the amount of the earnings funds to be deducted is determined.

4. The method for transferring account funds according to any one of claims 1 to 3, characterized in that: The financial application also registers a mapping sub-account associated with the main account, wherein the mapping sub-account is used to synchronously display the amount of income funds in the income sub-account in real time; After allocating the income funds to be deducted from the income funds in the income sub-account, the method further includes: Obtaining a fund transfer message by means of an asynchronous message, wherein the fund transfer message is used to describe that the income funds in the income sub-account have been transferred to the income funds to be deducted; Based on the fund transfer message, the amount of income funds in the income sub-account displayed in the mapping sub-account is synchronized in real time.

5. The method for transferring account funds according to claim 1, characterized in that: In response to the main account receiving the business transaction request, before calling the available funds stored in the payment sub-account, the method further includes: Obtaining the transaction amounts of multiple historical business transactions of the payment sub-account within a preset time; Based on the plurality of transaction amounts, determining a reference transaction amount; In response to the available fund amount of the available funds being greater than the reference transaction amount, determining a target allocated fund amount of the available funds based on the available fund amount and the reference transaction amount; The available funds of the target allocated funds amount are allocated to the income funds in the income sub-account.

6. The method for transferring account funds according to claim 5, characterized in that: After determining the target amount of funds to be allocated for the available funds, the method further includes: After deducting the target amount of allocated funds from the available funds, the target available funds are obtained; The retrieving the available funds stored in the payment sub-account in response to the main account receiving the business transaction request specifically includes: In response to the main account receiving the business transaction request, the target available funds stored in the payment sub-account are retrieved.

7. The method for transferring account funds according to claim 5, characterized in that: Before allocating the available funds of the target allocated funds amount to the income funds in the income sub-account, the method further includes: Forming transfer reminder information, wherein the transfer reminder information is used to remind the user that the financial application is about to transfer the available funds of the target transfer amount to the income funds in the income sub-account; The allocating the available funds of the target allocated funds amount to the income funds in the income sub-account specifically includes: In response to not receiving a rejection instruction initiated by the user, the available funds of the target allocation amount are allocated to the income funds in the income sub-account, wherein the rejection instruction is a rejection operation instruction initiated by the user after viewing the allocation prompt information, and the rejection operation instruction is an instruction to reject the financial application to allocate the available funds of the target allocation amount to the income funds in the income sub-account.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the account funds allocation method as described in any one of claims 1 to 7 is implemented.

9. A non-transitory computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the account funds transfer method according to any one of claims 1 to 7 is implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the account funds transfer method according to any one of claims 1 to 7 is implemented.

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