Fund allocation method and device, equipment, storage medium and product

Abstract

The invention discloses a fund allocation method and device, equipment, a storage medium and a product, and relates to the technical field of data processing, and the fund allocation method comprises the steps: responding to a fund allocation request of a transaction account, and determining a fund allocation path of the transaction account in a cash pool concurrent transaction model, the fund allocation path passes through the fund account and the position account; calculating to obtain target funds needing to be transferred by the fund account and the position account in the fund transfer path, and transferring the target funds to transfer transaction sub-households randomly selected from the fund account and the position account; and transferring the target fund stored in the transfer transaction child account to the transaction account based on the fund transfer path. According to the method and the device, the problems that transverse expansion cannot be realized due to adoption of serial fund transfer processing, mother company accounts of all levels in a cash pool become performance bottlenecks of high-concurrency transactions, and transaction processing efficiency of a bank accounting system is seriously influenced in a transaction peak period can be solved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a fund transfer method, device, equipment, storage medium and product. Background Art

[0002] Banks can provide large-scale group companies with multi-level fund management services for parent companies and member companies. They can manage the group's fund accounts through cash pools and provide real-time fund transfers and precise position management. The number of member companies under the top parent company of a large group can reach thousands. The frequency of fund transfers within the group is very high. A single transaction can link multiple levels of parent company accounts to generate multiple fund transfers.

[0003] In the related technology, serial fund transfer processing is adopted, and horizontal expansion is impossible. The parent company accounts at all levels in the cash pool (especially the top parent company) become the performance bottleneck of high-concurrency transactions, and the transaction peak period seriously affects the efficiency of transaction processing of the bank account system. Summary of the invention

[0004] The main purpose of this application is to provide a funds transfer method, device, equipment, storage medium and product, aiming to solve the technical problem that serial funds transfer processing seriously affects the efficiency of transaction processing of the bank account system during peak transaction periods.

[0005] To achieve the above purpose, the present application proposes a fund transfer method, which includes:

[0006] In response to a fund transfer request of a trading account, determining a fund transfer path of the trading account in a cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account;

[0007] Calculate the target funds to be transferred from the fund account and the position account in the fund transfer path, and transfer the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account;

[0008] Based on the fund transfer path, the target funds stored in the transfer transaction sub-account are transferred to the transaction account.

[0009] In one embodiment, the target funds include first transfer funds and second transfer funds, and the steps of calculating the target funds to be transferred from the fund account and the position account in the fund transfer path, and transferring the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account include:

[0010] The fund account is locked, and based on the locked fund account, the first transfer fund corresponding to each fund account in the fund transfer path is calculated;

[0011] The position account is locked, and based on the locked position account, the second transfer funds corresponding to each position account in the fund transfer path are calculated;

[0012] The target funds are transferred to a randomly selected transfer transaction sub-account in the fund account and the position account.

[0013] In one embodiment, the transfer transaction sub-account includes a first transfer transaction sub-account and a second transfer transaction sub-account, and the step of transferring the target funds to a transfer transaction sub-account randomly selected from the fund account and the position account includes:

[0014] Randomly selecting a transfer transaction sub-account from the transfer transaction sub-account corresponding to each of the fund accounts to obtain a first transfer transaction sub-account;

[0015] Randomly selecting a transfer transaction sub-account from the transfer transaction sub-account corresponding to each of the position accounts to obtain a second transfer transaction sub-account;

[0016] Locking the first transfer transaction sub-account, and transferring the first transfer funds to the corresponding first transfer transaction sub-account;

[0017] The second transfer transaction sub-account is locked, and the second transfer funds are transferred to the corresponding second transfer transaction sub-account.

[0018] In one embodiment, the step of calculating the target funds to be transferred from the fund account and the position account in the fund transfer path, and transferring the target funds to the randomly selected transfer transaction sub-accounts of the fund account and the position account includes:

[0019] Until the target funds are transferred, the funds account, the position account and the randomly selected transfer transaction sub-account are released.

[0020] In one embodiment, the step of transferring the target funds stored in the transfer transaction sub-account to the transaction account based on the funds transfer path includes:

[0021] Funds corresponding to the first transfer transaction sub-account and the second transfer transaction sub-account are transferred based on the fund transfer path until the target funds are transferred to the first transfer transaction sub-account corresponding to the transaction account, and then the target funds stored in the transfer transaction sub-account are transferred to the transaction account.

[0022] In one embodiment, after the step of determining the fund transfer path of the transaction account in the cash pool concurrent transaction model in response to the fund transfer request of the transaction account, the step further includes:

[0023] Determining the funds to be transferred based on the funds transfer request;

[0024] Based on the deposited funds, the fund account and the position account are locked, and the target funds to be collected from the fund account and the position account are calculated;

[0025] Based on the fund transfer path and the target funds, the incoming funds are transferred layer by layer until the transfer is completed, and the fund account and the position account are released.

[0026] In addition, to achieve the above-mentioned purpose, the present application also proposes a fund transfer device, which includes:

[0027] A response module, configured to respond to a fund transfer request of a trading account and determine a fund transfer path of the trading account in a cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account;

[0028] a calculation module, configured to calculate the target funds to be transferred from the fund account and the position account in the fund transfer path, and transfer the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account;

[0029] A transfer module is used to transfer the target funds stored in the transfer transaction sub-account to the transaction account based on the funds transfer path.

[0030] In addition, to achieve the above objectives, the present application also proposes a fund transfer device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the fund transfer method described above.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the fund transfer method described above are implemented.

[0032] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the fund transfer method described above are implemented.

[0033] One or more technical solutions proposed in this application have at least the following technical effects:

[0034] Compared with the related art, which adopts serial fund transfer processing and cannot achieve horizontal expansion, and the parent company accounts at all levels in the cash pool (especially the apex parent company) become the performance bottleneck of high-concurrency transactions, and the transaction peak period seriously affects the efficiency of transaction processing of the bank account system, the present application determines the fund transfer path of the transaction account in the cash pool concurrent transaction model by responding to the fund transfer request of the transaction account, wherein the fund transfer path passes through the fund account and the position account; calculates the target funds that need to be transferred from the fund account and the position account in the fund transfer path, and transfers the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account; based on the fund transfer path, the funds stored in the The target funds of the transfer transaction sub-account are transferred to the transaction account. It can be understood that after obtaining the funds transfer path including the funds account and the position account based on the funds transfer request, the application calculates the target funds to be transferred from the funds account and the position account and saves them in the corresponding randomly selected transfer transaction sub-account. It is not a serial single funds transfer processing. Then, according to the funds transfer path, the target funds stored in the transfer transaction sub-account are transferred to the transaction account. It can be avoided that a serial funds transfer processing is adopted and horizontal expansion cannot be achieved. The parent company accounts at all levels in the cash pool (especially the apex parent company) become the performance bottleneck of high-concurrency transactions, and the transaction peak period seriously affects the efficiency of transaction processing of the bank account system. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0036] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0037] Figure 1 A flowchart of the first embodiment of the method for allocating funds for this application is provided;

[0038] Figure 2 A flow chart of the second embodiment of the method for allocating funds for this application;

[0039] Figure 3 A schematic diagram of a simplified flow chart of a fund transfer method provided in Example 2 of the present application;

[0040] Figure 4This is a schematic diagram of the module structure of the fund transfer device according to an embodiment of the present application;

[0041] Figure 5 Schematic diagram of the device structure of the hardware operating environment involved in the fund transfer method in the embodiment of the present application.

[0042] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0043] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0044] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0045] The main solution of the embodiment of the present application is: in response to a fund transfer request of a trading account, determine the fund transfer path of the trading account in the cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account; calculate the target funds that need to be transferred from the fund account and the position account in the fund transfer path, and transfer the target funds to a randomly selected transfer transaction sub-account from the fund account and the position account; based on the fund transfer path, transfer the target funds stored in the transfer transaction sub-account to the trading account.

[0046] In the related technology, serial fund transfer processing is adopted, and horizontal expansion is impossible. The parent company accounts at all levels in the cash pool (especially the top parent company) become the performance bottleneck of high-concurrency transactions, and the transaction peak period seriously affects the efficiency of transaction processing of the bank account system.

[0047] This application obtains the funds transfer path including the funds account and the position account based on the funds transfer request, then calculates the target funds to be transferred from the funds account and the position account and saves them in the corresponding randomly selected transfer transaction sub-account. It is not a serial single funds transfer process. Then, according to the funds transfer path, the target funds stored in the transfer transaction sub-account are transferred to the transaction account. This can avoid the problem that serial funds transfer processing is adopted and horizontal expansion cannot be achieved. The parent company accounts at all levels in the cash pool (especially the apex parent company) become the performance bottleneck of high-concurrency transactions, which seriously affects the efficiency of transaction processing of the bank account system during peak trading periods.

[0048] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, etc. The following takes a fund transfer device as an example to illustrate this embodiment and the following embodiments.

[0049] Based on this, the present application embodiment provides a fund transfer method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the fund transfer method of the present application.

[0050] In this embodiment, the fund transfer method includes steps S100 to S300:

[0051] Step S100, in response to a fund transfer request of a trading account, determining a fund transfer path of the trading account in a cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account;

[0052] It should be noted that the execution subject of this embodiment is a fund transfer device. The fund transfer device is provided with a cash pool concurrent transaction model, which is a cash pool fund account-N+transfer transaction sub-account model. It is precisely because of the serial fund transfer processing that horizontal expansion cannot be achieved, and the parent company accounts at all levels in the cash pool (especially the apex parent company) become the performance bottleneck of high concurrent transactions, and the transaction peak period seriously affects the efficiency of transaction processing of the bank account system. Therefore, the fund transfer device adopts the cash pool fund account-N+transfer transaction sub-account model, so that each node of the cash pool supports N concurrent transfer processing, which is N times higher than the traditional model. The concurrent processing capacity is improved, the performance bottleneck of the parent company accounts at all levels in the cash pool is solved, and the overall processing capacity and throughput of the bank account system are greatly improved. In addition, the cash pool fund account-N+transfer transaction sub-account model supports flexible adjustment of the concurrent number of cash pool fund transfers, and the cash pool processing performance supports horizontal expansion, and the concurrent transfer processing capacity of the cash pool can be adjusted according to actual business needs.

[0053] It is understandable that the fund transfer path refers to the specific path for funds to flow between accounts when funds are transferred within or between enterprises. In cash pool management, the fund transfer path is particularly important, involving the efficient allocation and management of funds, and it is necessary to ensure that funds can reach the target account in a timely and accurate manner. The fund account is the customer's real fund account, and its balance represents the funds owned by the customer. In the cash pool fund account-N+transfer transaction sub-account model, it acts as a fund warehouse to store and manage the customer's funds. The position account represents the available funds deposited by the subordinate company account in the superior company account. In the cash pool fund account-N+transfer transaction sub-account model, it acts as a position warehouse to store and manage positions. The transaction account is a low-level fund account in the cash pool fund account-N+transfer transaction sub-account model. This fund account participates in a certain transaction scenario. In this scenario, the cash pool account needs to execute external payment funds, that is, execute the transfer processing of each level of fund accounts in the cash pool, and transfer funds to this low-level company account so that the low-level company account can make external payments.

[0054] Therefore, after receiving the fund transfer request from the low-level company account, the fund transfer device will calculate and determine the fund transfer path for the funds to flow between the fund account and the position account when the low-level company account transfers funds in the cash pool fund account-N+transfer transaction sub-account model according to the transfer rules of the company accounts at each level of the cash pool.

[0055] Specifically, refer to Figure 2 , Figure 2 A schematic diagram of the concurrent transaction model of the cash pool is provided. If a low-level fund account in the cash pool (fund account D in the model) participates in a certain transaction scenario, and the cash pool account needs to perform external payment in the scenario, the fund transfer device will calculate the fund transfer path based on the fund transfer request triggered by the company corresponding to fund account D. The transfer path is: fund account A is transferred to fund account B, and fund account B is transferred to fund account D, where: Figure 2 The line with direction in the middle represents the direction of fund transfer. If the subordinate company account points to the superior company account, it means that the subordinate company account transfers funds to the superior company account, and the position will increase; if the superior company account points to the subordinate company account, it means that the superior company account transfers funds to the subordinate company account, and the position will decrease.

[0056] In particular, the cash pool fund account-N+transfer transaction sub-account model of the fund transfer device needs to be initialized before use, that is, according to the number of concurrent transfers N that needs to be supported, N transfer transaction sub-accounts are generated for each fund account and position account in the cash pool.

[0057] Step S200, calculating the target funds to be transferred from the fund account and the position account in the fund transfer path, and transferring the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account;

[0058] It should be noted that the target funds are the funds required for external payments. After the funds transfer device determines the funds required for external payments that need to be transferred from the fund account and position account in the fund transfer path, it will transfer the funds corresponding to the fund account and position account to any transfer transaction sub-account randomly selected from the N transfer transaction sub-accounts under the account.

[0059] Step S300: Based on the fund transfer path, the target funds stored in the transfer transaction sub-account are transferred to the transaction account.

[0060] It is understandable that the funds transfer device will eventually transfer the target funds stored in the transfer transaction sub-account to the transaction account.

[0061] In a feasible implementation manner, step S200 includes the following steps:

[0062] The fund account is locked, and based on the locked fund account, the first transfer fund corresponding to each fund account in the fund transfer path is calculated;

[0063] It should be noted that the first allocated funds are the funds that need to be transferred from each fund account to the transaction account. The fund transfer device uses the database physical transaction lock to lock the fund accounts on the fund transfer path to prevent interference with the transaction data due to the addition of other transactions during the transaction processing, and after locking, calculates the funds that need to be transferred from each fund account to the transaction account.

[0064] Specifically, the fund transfer device uses a database physical transaction lock to lock the fund accounts A, B, and D on the fund transfer path.

[0065] The position account is locked, and based on the locked position account, the second transfer funds corresponding to each position account in the fund transfer path are calculated;

[0066] It is understandable that the second allocated funds are the positions that each position account needs to occupy when it is allocated to the trading account. The fund transfer device uses the database physical transaction lock to lock the position accounts on the fund transfer path to prevent interference with the current transaction data due to the addition of other transactions during the transaction processing, and after locking, calculates the funds that each position account needs to transfer to the trading account.

[0067] Specifically, the fund transfer device uses a database physical transaction lock to lock the position accounts on the fund transfer path: AB and BD.

[0068] The target funds are transferred to a randomly selected transfer transaction sub-account in the fund account and the position account.

[0069] It should be noted that the funds transfer device transfers the target funds that need to be transferred from the position account and the capital account to the trading account to any transfer transaction sub-account randomly selected from the N transfer transaction sub-accounts under the account.

[0070] In a feasible implementation manner, the step of transferring the target funds to the randomly selected transfer transaction sub-accounts in the fund account and the position account comprises the following steps:

[0071] Randomly selecting a transfer transaction sub-account from the transfer transaction sub-account corresponding to each of the fund accounts to obtain a first transfer transaction sub-account;

[0072] It is understandable that the first transfer transaction sub-account is an idle transfer transaction sub-account in the capital account, wherein the transfer transaction sub-account of the capital account is used to temporarily store the funds of the capital account in the current transaction during the transaction. After the transaction is completed, the funds will return to the capital account, and the balance of the transfer transaction sub-account will return to 0. The funds transfer device randomly selects one idle transfer transaction sub-account from the N transfer transaction sub-accounts of each capital account for the capital account that needs to participate in the current transfer, and obtains the first transfer transaction sub-account.

[0073] Randomly selecting a transfer transaction sub-account from the transfer transaction sub-account corresponding to each of the position accounts to obtain a second transfer transaction sub-account;

[0074] It should be noted that the second transfer transaction sub-account is an idle transfer transaction sub-account in the capital account, wherein the transfer transaction sub-account of the position account is used to temporarily store the position funds in the current transaction during the transaction. After the transaction is completed, the position funds will return to the position account, and the balance of the transfer transaction sub-account will return to 0. The fund transfer device randomly selects one idle transfer transaction sub-account from the N transfer transaction sub-accounts of each position account for the position account that needs to participate in this transfer, and obtains the second transfer transaction sub-account.

[0075] Locking the first transfer transaction sub-account, and transferring the first transfer funds to the corresponding first transfer transaction sub-account;

[0076] It is understandable that after determining the first transfer transaction sub-account, the funds transfer device will lock the first transfer transaction sub-account and transfer the funds account on the funds transfer path of the cash pool concurrent transaction model, and the funds required to be provided in this transfer, to the first transfer transaction sub-account participating in this transfer processing.

[0077] The second transfer transaction sub-account is locked, and the second transfer funds are transferred to the corresponding second transfer transaction sub-account.

[0078] It should be noted that after determining the second transfer transaction sub-account, the funds transfer device will lock the second transfer transaction sub-account and transfer the funds required to be provided in this transfer from the position account on the funds transfer path of the cash pool concurrent transaction model to the second transfer transaction sub-account participating in this transfer processing.

[0079] In a feasible implementation manner, the following steps are included after step S200:

[0080] Until the target funds are transferred, the funds account, the position account and the randomly selected transfer transaction sub-account are released.

[0081] It is understandable that after the funds transfer device transfers all the funds to be transferred from the funds account and the position account to their respective corresponding transfer transaction sub-accounts, the funds transfer device will submit the database physical transaction on the funds account and the first transfer transaction sub-account, and release the database physical transaction lock. At the same time, it will also submit the database physical transaction on the position account and the second transfer transaction sub-account, release the database physical transaction lock, and release the position account.

[0082] At this point, the funds required to be provided by the capital accounts on the fund transfer path of the cash pool concurrent transaction model and the positions required to be occupied by the position accounts at each level have been transferred to the transfer transaction sub-account serving the current transaction. The funds and positions in the transfer transaction sub-account will only be used in the current transaction scenario. Other transaction scenarios occurring on the capital accounts and position accounts will not affect the funds and positions in the transfer transaction sub-account of this transaction.

[0083] These fund accounts and position accounts in the cash pool, as well as the funds and positions of the accounts, will not be affected by the subsequent business process steps of the current transaction scenario and can start to participate in other concurrent transaction scenarios.

[0084] In a feasible implementation manner, step S300 includes the following steps:

[0085] Funds corresponding to the first transfer transaction sub-account and the second transfer transaction sub-account are transferred based on the fund transfer path until the target funds are transferred to the first transfer transaction sub-account corresponding to the transaction account, and then the target funds stored in the transfer transaction sub-account are transferred to the transaction account.

[0086] It should be noted that the funds transfer device will start from the first transfer transaction sub-account corresponding to the top-level funds account, and transfer funds in sequence according to the funds transfer path until the funds that need to be transferred from all funds accounts and position accounts are transferred to the transfer transaction sub-account under the trading account.

[0087] Furthermore, the funds transfer device will make external payments based on the transfer transaction sub-account under the transaction account, that is, all funds and positions on the transfer transaction sub-account will be cleared, and the funds will eventually be transferred to the counterparty. The funds are transferred through layers of funds transfer routes, realizing precise control of the cash pool account's funds receipts and payments.

[0088] In this embodiment, the funds transfer device uses a cash pool concurrent transaction model so that each node of the model supports N concurrent transfer processing, and the model supports flexible adjustment of the concurrent number of cash pool funds transfers. The cash pool processing performance supports horizontal expansion, and the concurrent transfer processing capacity of the cash pool can be adjusted according to actual business needs. In the case of high concurrent funds transfers from the cash pool, accurate control of the cash pool account funds receipts and payments is achieved.

[0089] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be described in detail later. Figure 3 After step S100, the fund transfer method further includes steps A100 to A300:

[0090] Step A100, determining the incoming funds based on the fund transfer request;

[0091] It is understandable that the cash pool concurrent transaction model of the funds transfer device can not only perform external payment operations, but also perform account entry operations. After a transaction scenario is completed, a fund account in the cash pool concurrent transaction model will enter the account entry scenario, and the fund account participating in the transaction will trigger a funds transfer request. The funds transfer device determines the specific funds that need to be entered based on the funds transfer request, and stores the entered funds in any idle transfer transaction sub-account of the fund account conducting the transaction.

[0092] Step A200, based on the deposited funds, locking the fund account and the position account, and calculating the target funds that need to be collected from the fund account and the position account;

[0093] It should be noted that after obtaining the specific funds that need to be credited, the funds transfer device will lock the funds account and position account on the funds transfer path, and calculate the specific funds that need to be transferred to the funds account and position account.

[0094] In particular, after the funds transfer device determines the funds transfer path of the funds account, subsequent funds transfer operations of the funds account are still performed based on the funds transfer path, and there is no need to re-determine the funds transfer route, thereby improving the efficiency of funds transfer.

[0095] Step A300, based on the fund transfer path and the target funds, the accounted funds are transferred layer by layer until the transfer is completed, and the fund account and the position account are released until the transfer is completed, and the fund account and the position account are released.

[0096] It is understandable that the funds transfer device starts from the funds account that triggers the funds transfer request, and transfers funds to the upper levels until it goes through the entire funds transfer path and realizes the entire funds entry process. After the funds are transferred, the funds account and position account will be released, which will not affect the funds account and position account in the cash pool to participate in other concurrent transaction scenarios, thereby improving the concurrent processing capability of the funds concurrent transaction model.

[0097] In this embodiment, for a fund account, the fund transfer path corresponding to the fund transfer device remains unchanged, and there is no need to re-determine the fund transfer route, thereby improving the efficiency of fund transfer.

[0098] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the fund transfer method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0099] This application also provides a fund transfer device, please refer to Figure 4 , the fund transfer device comprises:

[0100] A response module 10 is used to respond to a fund transfer request of a trading account and determine a fund transfer path of the trading account in a cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account;

[0101] A calculation module 20, configured to calculate the target funds to be transferred from the fund account and the position account in the fund transfer path, and transfer the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account;

[0102] The transfer module 30 is used to transfer the target funds stored in the transfer transaction sub-account to the transaction account based on the funds transfer path.

[0103] Optionally, the calculation module includes:

[0104] The locking submodule is used to lock the capital account, and based on the locked capital account, calculate the first transfer funds corresponding to each of the capital accounts in the capital transfer path; lock the position account, and based on the locked position account, calculate the second transfer funds corresponding to each of the position accounts in the capital transfer path; and transfer the target funds to the transfer transaction sub-account randomly selected from the capital account and the position account.

[0105] The release submodule is used to release the capital account, the position account and the randomly selected transfer transaction sub-account until the target fund transfer is completed.

[0106] Optionally, the locking submodule includes:

[0107] The random selection unit is used to randomly select an allocation transaction sub-account for each allocation transaction sub-account corresponding to the capital account to obtain a first allocation transaction sub-account; randomly select an allocation transaction sub-account for each allocation transaction sub-account corresponding to the position account to obtain a second allocation transaction sub-account; lock the first allocation transaction sub-account and transfer the first allocation funds to the corresponding first allocation transaction sub-account; lock the second allocation transaction sub-account and transfer the second allocation funds to the corresponding second transfer transaction sub-account.

[0108] Optionally, the transfer module includes:

[0109] The fund transfer submodule is used to transfer the funds corresponding to the first transfer transaction sub-account and the second transfer transaction sub-account based on the fund transfer path until the target funds are transferred to the first transfer transaction sub-account corresponding to the transaction account, and then transfer the target funds stored in the transfer transaction sub-account to the transaction account.

[0110] Optionally, the response module includes:

[0111] Determining the funds to be transferred based on the funds transfer request;

[0112] Based on the deposited funds, the fund account and the position account are locked, and the target funds to be collected from the fund account and the position account are calculated;

[0113] Based on the fund transfer path and the target funds, the accounted funds are transferred layer by layer until the transfer is completed, and the fund account and the position account are released until the transfer is completed, and the fund account and the position account are released.

[0114] The fund transfer device provided by the present application adopts the fund transfer method in the above embodiment to solve the technical problem of fund transfer. Compared with the prior art, the beneficial effects of the fund transfer device provided by the present application are the same as the beneficial effects of the fund transfer method provided by the above embodiment, and other technical features in the fund transfer device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0115] The present application provides a fund transfer device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the fund transfer method in the above-mentioned embodiment 1.

[0116] Reference below Figure 5 , which shows a schematic diagram of the structure of a fund transfer device suitable for implementing the embodiment of the present application. The fund transfer device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, tablet computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PMPs (Portable Media Players), vehicle terminals (such as vehicle navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The fund transfer device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0117] like Figure 5As shown, the fund transfer device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM) 1004. In the RAM 1004, various programs and data required for the operation of the fund transfer device are also stored. The processing device 1001, the ROM 1002, and the RAM 1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the funds transfer device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a funds transfer device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0118] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0119] The fund transfer device provided by the present application adopts the fund transfer method in the above embodiment to solve the technical problem of fund transfer. Compared with the prior art, the beneficial effects of the fund transfer device provided by the present application are the same as the beneficial effects of the fund transfer method provided by the above embodiment, and other technical features in the fund transfer device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0120] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0121] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0122] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the fund transfer method in the above-mentioned embodiment.

[0123] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0124] The computer-readable storage medium may be included in the funds transfer device; or may exist independently without being assembled into the funds transfer device.

[0125] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the funds transfer device, the funds transfer device: responds to a funds transfer request of a trading account, determines a funds transfer path of the trading account in the cash pool concurrent transaction model, wherein the funds transfer path passes through a funds account and a position account; calculates the target funds that need to be transferred from the funds account and the position account in the funds transfer path, and transfers the target funds to a randomly selected transfer transaction sub-account from the funds account and the position account; and based on the funds transfer path, transfers the target funds stored in the transfer transaction sub-account to the trading account.

[0126] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0127] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0128] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0129] The readable storage medium provided in the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned fund transfer method, and can solve the technical problem of fund transfer. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in the present application are the same as the beneficial effects of the fund transfer method provided in the above-mentioned embodiment, and will not be described in detail here.

[0130] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned fund transfer method when executed by a processor.

[0131] The computer program product provided by this application can solve the technical problem of fund transfer. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the fund transfer method provided by the above embodiment, which will not be repeated here.

[0132] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A fund transfer method, characterized in that: The fund transfer method includes: In response to a fund transfer request of a trading account, determining a fund transfer path of the trading account in a cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account; Calculate the target funds to be transferred from the fund account and the position account in the fund transfer path, and transfer the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account; Based on the fund transfer path, the target funds stored in the transfer transaction sub-account are transferred to the transaction account.

2. The method for transferring funds according to claim 1, wherein: The target funds include first allocated funds and second allocated funds, and the steps of calculating the target funds to be allocated from the fund account and the position account in the fund allocation path, and allocating the target funds to the randomly selected allocation transaction sub-accounts in the fund account and the position account include: The fund account is locked, and based on the locked fund account, the first transfer fund corresponding to each fund account in the fund transfer path is calculated; The position account is locked, and based on the locked position account, the second transfer funds corresponding to each position account in the fund transfer path are calculated; The target funds are transferred to a randomly selected transfer transaction sub-account in the fund account and the position account.

3. The method for transferring funds according to claim 2, characterized in that: The transfer transaction sub-account includes a first transfer transaction sub-account and a second transfer transaction sub-account, and the step of transferring the target funds to a transfer transaction sub-account randomly selected from the fund account and the position account includes: Randomly selecting a transfer transaction sub-account from the transfer transaction sub-account corresponding to each of the fund accounts to obtain a first transfer transaction sub-account; Randomly selecting a transfer transaction sub-account from the transfer transaction sub-account corresponding to each of the position accounts to obtain a second transfer transaction sub-account; Locking the first transfer transaction sub-account, and transferring the first transfer funds to the corresponding first transfer transaction sub-account; The second transfer transaction sub-account is locked, and the second transfer funds are transferred to the corresponding second transfer transaction sub-account.

4. The method for transferring funds according to claim 1, wherein: After the step of calculating the target funds to be transferred from the fund account and the position account in the fund transfer path, and transferring the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account, the following steps are included: Until the target funds are transferred, the funds account, the position account and the randomly selected transfer transaction sub-account are released.

5. The method for transferring funds according to claim 3, characterized in that: The step of transferring the target funds stored in the transfer transaction sub-account to the transaction account based on the funds transfer path includes: Funds corresponding to the first transfer transaction sub-account and the second transfer transaction sub-account are transferred based on the fund transfer path until the target funds are transferred to the first transfer transaction sub-account corresponding to the transaction account, and then the target funds stored in the transfer transaction sub-account are transferred to the transaction account.

6. The method for transferring funds according to claim 1, wherein: After the step of determining the fund transfer path of the transaction account in the cash pool concurrent transaction model in response to the fund transfer request of the transaction account, the following steps are further included: Determining the funds to be transferred based on the funds transfer request; Based on the deposited funds, the fund account and the position account are locked, and the target funds to be collected from the fund account and the position account are calculated; Based on the fund transfer path and the target funds, the incoming funds are transferred layer by layer until the transfer is completed, and the fund account and the position account are released.

7. A fund transfer device, characterized in that: The device comprises: A response module, configured to respond to a fund transfer request of a trading account and determine a fund transfer path of the trading account in a cash pool concurrent transaction model, wherein the fund transfer path passes through a fund account and a position account; a calculation module, configured to calculate the target funds to be transferred from the fund account and the position account in the fund transfer path, and transfer the target funds to the transfer transaction sub-account randomly selected from the fund account and the position account; A transfer module is used to transfer the target funds stored in the transfer transaction sub-account to the transaction account based on the funds transfer path.

8. A fund transfer device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the fund transfer method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the fund transfer method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the fund transfer method according to any one of claims 1 to 6 are implemented.

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