Account position fund allocation method and device and storage medium

Abstract

The invention discloses an account position fund allocation method and device and a storage medium, and relates to the technical field of data processing, and the method comprises the steps: determining a first total gap position fund amount according to the gap position fund amount of each branch account in a preset time period; dividing a first position fund corresponding to the first total gap position fund amount from a whole bank account to a first transfer transition account; and according to the gap position fund amount corresponding to each branch account, splitting the first position fund and then dividing the first position fund to each branch account. According to the method, the transfer transition account is set, so that the hotspot competition problem of all-bank-level and sub-library-level account tails is reduced, and the flow efficiency of the position fund data is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device and storage medium for allocating account position funds. Background Art

[0002] When transferring position funds from a central account to a branch account during the account position fund transfer process, the central account is first locked and the amount to be transferred is deducted. The branch account is then locked and the corresponding amount is added. To ensure accounting consistency, an exclusive lock is typically used on the account, meaning that only one account can request an operation at a time.

[0003] Because master accounts are typically designed as unique global accounts, when multiple branches initiate transfer requests simultaneously, all branch transfer requests must first access the master account, creating a single point of competition. For example, branches A, B, and C simultaneously apply to transfer positions from the bank's entire account. They can only queue up in turn and wait for the master account to be locked. After branch A's transfer request locks the bank's entire account, branch B's request must wait for branch A to unlock it before proceeding to the next step. If branch A's operation takes a long time (due to network delays or manual review), the requests from branches B and C will be blocked for a long time, resulting in a decrease in the flow efficiency of position funds data.

[0004] The above content is only used to assist in understanding the technical solution of this application and does not constitute an admission that the above content is prior art. Summary of the Invention

[0005] The main purpose of this application is to provide an account position funds allocation method, equipment and storage medium, aiming to solve the technical problem of how to reduce the hot competition problem of bank-level and branch-level accounts and improve the flow efficiency of position funds.

[0006] In order to solve the above problems, the present application provides an account position funds allocation method, which includes:

[0007] Determine the first total gap position amount based on the gap position amount of each branch account within a preset time period;

[0008] Allocate the first position funds corresponding to the first total shortfall position funds from the bank-wide account to the first transit account;

[0009] According to the amount of the gap position funds corresponding to each branch account, the first position funds are split and allocated to each branch account respectively.

[0010] In one embodiment, the step of determining the first total gap position amount based on the gap position amount of each branch account within a preset time period includes:

[0011] Based on the time period, obtaining the current position balance of each branch account;

[0012] Determining the amount of funds for the gap position based on the difference between a preset lower balance threshold and the current position balance;

[0013] The first total gap position funding amount is determined according to the sum of the funding amounts of each gap position.

[0014] In one embodiment, the account position funds allocation method further includes:

[0015] Based on the time period, obtaining the current position balance of each branch account;

[0016] determining the amount of excess position funds in each of the branch accounts based on the difference between the current position balance and a preset upper balance threshold;

[0017] Allocate the position amount corresponding to the excess position funds from each of the branch accounts to the second transfer transition account;

[0018] The position amount in the second transit account is allocated to the bank-wide account.

[0019] In one embodiment, the account position funds allocation method further includes:

[0020] Determine a target withdrawal storage account in a to-be-allocated state based on the time period, and obtain a second total shortfall position fund amount of the target withdrawal storage account;

[0021] Allocate the second position amount corresponding to the second total gap position funds from the branch account to the third transfer transition account;

[0022] According to the amount of funds in the shortfall position of each target payment storage account, the second total shortfall position is allocated from the third transfer transition account to each target payment storage account.

[0023] In one embodiment, the account position funds allocation method further includes:

[0024] Based on the time period, obtaining the amount of position funds in each business clearing storage account;

[0025] When the sum of the position funds in the business clearing storage accounts is greater than a preset position fund amount, the position funds corresponding to the position funds are allocated from each of the business clearing storage accounts to a fourth transfer transition account;

[0026] Consolidating the position funds in the fourth transit account according to the time period;

[0027] When the amount of the third position funds obtained after the merger is greater than the preset amount of the liquidation position funds, the third position funds are allocated from the fourth transfer transition account to the branch account.

[0028] In one embodiment, before the step of determining the first total gap position amount based on the gap position amount of each branch account within a preset time period, the method further includes:

[0029] Upon receiving a transaction request from a customer, obtaining the transaction amount corresponding to the transaction request;

[0030] If the transaction amount is less than or equal to the preset transaction amount threshold, data allocation is performed according to the time period;

[0031] If the transaction amount is greater than a preset amount threshold, the fourth position funds corresponding to the transaction amount are allocated in real time.

[0032] In one embodiment, the step of allocating data of the fourth position funds corresponding to the transaction amount in real time includes:

[0033] Allocate the fourth position funds from the bank-wide account to the fifth transit account;

[0034] When the transaction processing process is triggered, the fourth position funds are allocated from the fifth transfer account to the customer account corresponding to the transaction.

[0035] In one embodiment, after the step of allocating the fourth position funds from the fifth transfer account to the client account corresponding to the transaction, the method further includes:

[0036] When the storage time of the fourth position funds in the fifth transit transition account exceeds a preset stay time period, the fourth position funds are allocated from the fifth transit transition account to the bank-wide account.

[0037] In addition, to achieve the above-mentioned purpose, the present application also proposes a rights issuance 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 account position funds allocation method as described above.

[0038] 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 the processor, the steps of the account position funds allocation method described above are implemented.

[0039] This application provides a method for allocating account position funds. It regularly summarizes the total gap position funds of each branch account and transfers the total gap position funds to the first transfer transition account at one time. The head office account only needs to be locked once, rather than being locked once upon receiving a transfer request from each branch account. This reduces the number of locks and the probability of blocking. The transfer transition account asynchronously and concurrently transfers the split total position funds to the tail box of the corresponding branch based on the gap position funds of each branch. The transfer operations between branches are independent of each other and are processed in parallel by the transfer transition account, avoiding competition for resources in the main library and improving the efficiency of data flow. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] 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.

[0041] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0042] Figure 1 The first flow chart provided for the method of allocating funds to account positions in this application;

[0043] Figure 2 A schematic diagram of the overall transfer process for the account position funds transfer method provided for this application;

[0044] Figure 3 The second flow chart provided for the method of allocating funds to account positions in this application;

[0045] Figure 4 This is a structural diagram of the hardware operating environment involved in the account position funds allocation method in the embodiment of this application.

[0046] The purpose, features and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0047] It should be understood that the specific embodiments described herein are merely used to explain the technical solutions of the present application and are not intended to limit the present application.

[0048] 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.

[0049] To achieve the above-mentioned objectives, the present application proposes a method for allocating account position funds, which comprises determining a first total gap position amount based on the gap position amount of each branch account within a preset time period; allocating first position funds corresponding to the first total gap position amount from the bank-wide account to a first transit account; and splitting the first position funds according to the gap position amount corresponding to each branch account and allocating them respectively to each branch account.

[0050] When transferring position funds from a central account to a branch account during the account position funds transfer process, the central account is first locked and the amount to be transferred is deducted. The branch account is then locked and the corresponding amount is added. To ensure accounting consistency, an exclusive lock is typically used on the account, meaning only one account can request an operation at a time.

[0051] Because master accounts are typically designed as unique global accounts, when multiple branches initiate transfer requests simultaneously, all branch transfer requests must first access the master account, creating a single point of competition. For example, branches A, B, and C simultaneously apply to transfer positions from the bank's entire account. They can only queue up in turn and wait for the master account to be locked. After branch A's transfer request locks the bank's entire account, branch B's request must wait for branch A to unlock it before proceeding to the next step. If branch A's operation takes a long time (due to network delays or manual review), the requests from branches B and C will be blocked for a long time, resulting in a decrease in the flow efficiency of position funds data.

[0052] This application provides a method for allocating account position funds. This method periodically summarizes the total shortfall position funds of each branch account and transfers the total shortfall position funds to the first intermediate transition account at one time. The bank-wide cash reserve position tail box only needs to be locked once, rather than locking it once upon receiving a transfer request from each branch account. This reduces the number of locks and the probability of blocking. The intermediate transition account asynchronously and concurrently transfers the split total position funds to the tail boxes of the corresponding branch based on the shortfall position funds of each branch. Inter-branch transfer operations are independent of each other and are processed in parallel by the intermediate transition account, avoiding competition for master library resources and improving the efficiency of data flow.

[0053] It should be noted that the execution entity of this embodiment may be a computing service device with network communication and program execution capabilities, such as a tablet computer, personal computer, or mobile phone, or an electronic device or apparatus capable of performing the aforementioned functions. This embodiment and the following embodiments will be described below using an account position funds transfer device as an example.

[0054] Based on this, the embodiment of the present application provides an account position fund allocation method, referring to Figure 1 , Figure 1 This is a flowchart of the first embodiment of the method for allocating funds from application account positions.

[0055] In this embodiment, the account position funds transfer method is applied to an account position funds transfer device, and the method includes steps S10 to S30:

[0056] Step S10: determining a first total gap position amount based on the gap position amount of each branch account within a preset time period.

[0057] It should be noted that this application takes position transfers in financial institutions such as banks and securities companies as an example to illustrate the account position fund transfer method provided in this application. Position is a financial term that refers to the quantity or amount of a certain asset (such as currency, securities, commodities, etc.) currently held by an investor or financial institution. In financial institutions such as banks and securities companies, position transfer refers to the transfer and deployment of positions such as funds or securities between different accounts, different regions or different business lines to optimize resource allocation, meet liquidity needs, control risks or achieve specific business goals.

[0058] This embodiment provides a method for transferring account position funds between the bank and branch banks. This embodiment uses database technology to store and manage position fund data. The bank-wide account is structured as "Bank-Wide - Cash Reserves - Position Tail Box," similar to a bank-wide cash vault. It supports transfers of positions at all levels, is unique to the bank, and is locked when a position is transferred in or out. A branch account is structured as "Branch Bank - Cash Reserves - Position Tail Box," similar to a branch cash vault. It supports transfers of positions at all levels within a branch bank, is unique to a branch bank, and is locked when a position is transferred in or out.

[0059] In this embodiment, the gap position funding data of each sub-library is obtained according to a preset time period, and the total gap position funding amount of each sub-library is summarized. A timed task scheduling tool is used to trigger the data collection operation to determine the gap position funding data of each sub-library. The timed task scheduling tool can be a Linux cron scheduled task, or a task scheduling framework such as Quartz. The time period can be determined according to specific business needs, based on the specific business requirements for data real-time performance and the frequency of data changes. For example, a financial trading system requires millisecond-level data updates, and the time period is 10 seconds; if business data changes frequently, a shorter time period is required to collect data; if business data changes slowly, the time period can be appropriately extended.

[0060] In one feasible implementation, gap position funding data is determined based on a sliding window. The sliding window size and step size are defined; the window size determines the time range for analysis. The window step size determines the frequency of the window sliding. A real-time stream of position change data is acquired. Whenever new data arrives, the window slides forward, removing old data and adding new data. As the window slides, the balance changes of the positions within the window are calculated in real time. A position transfer trigger threshold is set; when the position balance within the window falls below this threshold, the position transfer process is triggered. Optionally, a machine learning algorithm, such as linear regression, is used to detect balance trends. Position balance data is acquired over a period of time, recording the balance at each point in time. Time is converted into a numerical form, such as a time step, for use in a linear regression model. The time step is used as the independent variable and the position balance as the dependent variable. A linear regression model is selected. Linear regression models assume a linear relationship between the independent and dependent variables. The linear regression model is fit using the training set data. The model will learn the relationship between the independent variable (time step) and the dependent variable (position balance). Use the fitted linear regression model to predict the position balance at a certain point in the future. When the position balance is less than the position transfer trigger threshold, the position transfer process is triggered.

[0061] In one feasible implementation, a position transfer cycle model based on a profit function is constructed. Fund utilization and transfer costs are quantified as calculable indicators, and mathematical modeling is used to determine the optimal cycle that maximizes returns. By considering fund utilization and transfer costs, the optimal position transfer cycle is selected to reduce idle and transfer costs, thereby improving the efficiency of position capital utilization.

[0062] The capital utilization ratio (U) is the actual effective utilization ratio of the head office or branch bank's positions, reflecting the cost of idle funds. U = 1 - (Daily Average Idle Position / Daily Average Available Position), where the Daily Average Idle Position is the average of the branch bank's daily position balances that exceed the minimum balance limit. The Daily Average Available Position is the average position available for payment by the branch bank during the period. Transfer costs (C) can include system operating costs, labor costs, and other factors, calculated as a fixed cost per transfer. System operating costs can be technical costs incurred when the system automatically processes fund transfers (e.g., bank interface call fees and clearing system service fees). Transfer cost C = single transfer cost * (cycle days / T), where cycle days is the preset transfer cycle and T is the statistical period (e.g., T = 365 when using years as the unit). The benefit function = fund utilization rate × a - transfer cost × b, where a and b are weight coefficients. An integer programming algorithm (e.g., branch and bound) is used to solve for the maximum benefit in discrete cycles (daily, every two days, weekly, etc.) to obtain the optimal transfer cycle.

[0063] Alternatively, for the weight coefficient, you can obtain U and C under different periods, group them by historical period (such as transfer records within the past month), and calculate the average U and C of each group. Use the least squares fitting method to minimize the sum of squared prediction errors to obtain the weight coefficient.

[0064] Specifically, step S10 includes steps S11 to S13:

[0065] Step S11: Based on the time period, obtain the current position balance of each branch account.

[0066] In this embodiment, the storage location for the lower balance threshold and current balance data used to calculate the gap position in each branch account is determined. For example, the lower balance threshold is a fixed configuration value stored in a configuration table; the current balance data is updated in real time in the business data table. For each branch account, the corresponding data acquisition script or program extracts the values ​​of the lower balance threshold and current balance fields from the corresponding data table.

[0067] After acquiring the data, it undergoes preprocessing, such as cleaning, to remove any outliers or errors. For example, if the current balance of a sub-database is negative, or if the lower limit of the balance does not comply with business rules, the data is marked as invalid. If the lower limit and current balance data are stored in different tables, they are linked using association fields (such as sub-database ID and account ID) to form a complete data record for subsequent gap position calculations.

[0068] Step S12: Determine the amount of the gap position funds based on the difference between the preset lower limit threshold of the balance and the current position balance.

[0069] Step S13: determining the total gap position funding amount based on the sum of the funding amounts of each gap position.

[0070] In this embodiment, for each branch account, the gap position amount is calculated according to the formula: Gap Position = Lower Balance Limit - Current Balance. For example, if the lower balance limit of Branch A is 1000 and the current balance is 800, then the gap position of Branch A is 1000 - 800 = 200. The gap position amount calculated for each branch is recorded and the results can be stored in a temporary table or in-memory data structure. The gap position amounts calculated for each branch account are aggregated to obtain a first total gap position amount.

[0071] Step S20: Allocate the first position funds corresponding to the first total gap position funds from the bank-wide account to the first transit account.

[0072] Step S30: split the first position funds according to the gap position funds corresponding to each branch account and allocate them to each branch account respectively.

[0073] In this embodiment, the bank-wide account stores complete data on all cash reserve positions. The first transit account serves as a temporary storage area, storing position fund data in the bank-wide position sub-box and used for transfer between the "bank-wide cash reserve position box" and the "branch bank cash reserve position box." Branch accounts store position fund data for each branch.

[0074] Please refer to Figure 2 In the cross-bank position transfer-down process, after the "Bank-Wide-Cash Reserve-Position Tail Box" and "Branch-Warehouse-Cash Reserve-Position Tail Box" are locked, the position is transferred from the "Bank-Wide-Cash Reserve-Position Tail Box" to each "Branch-Warehouse-Cash Reserve-Position Tail Box" via the "Bank-Wide-Position Downward Transfer-Allocation Tail Box". That is, when it is necessary to replenish the position in the branch, the first position funds corresponding to the total shortfall position funds are withdrawn from the bank-wide account, and the corresponding position balance in the bank-wide account is reduced; the withdrawn first position funds are written into the first transit account, and then the total position funds data in the first transit account are split according to the ratio of the shortfall position funds of each branch, and the split data are allocated to each branch account according to the branch ID. After receiving the data, each branch updates its own position balance record and unlocks the "Bank-Wide-Cash Reserve-Position Tail Box" and "Branch-Warehouse-Cash Reserve-Position Tail Box".

[0075] Optionally, the atomicity of database transactions is used to ensure the integrity of locking and unlocking operations. A tail box can only be exclusively occupied by one operation (or thread, process) at a time, and other operations must wait for the operation to complete and release the lock before proceeding.

[0076] Alternatively, access to the tail box can be controlled through a mutual exclusion lock. Data downscaling operations must acquire a lock before accessing the tail box and release the lock after access is complete. For example, leveraging the database's row-level locking mechanism, add a FOR UPDATE clause to the query statement to lock the rows being queried, preventing other sessions from modifying them until the lock is released. Alternatively, use the LOCKTABLES statement to lock the entire tail box table. After downscaling the position fund data, release the lock by committing or rolling back the transaction. This ensures that only one operation can access and modify the relevant data in the tail box at a time, avoiding data confusion and inconsistencies caused by concurrent access.

[0077] Optionally, a status flag is set for the tail box to indicate whether the tail box is currently locked. When an operation requires access to the tail box, the flag is first checked. If the flag is locked, access is waited or denied. If the flag is unlocked, the flag is set to locked and the operation begins.

[0078] In this embodiment, the total shortfall position funds of each branch account are regularly aggregated and transferred all at once to the first intermediary transition account. This locks the bank-wide cash reserve position tail box only once, rather than requiring each branch account to be locked upon receiving a transfer request. This reduces the number of locks and the probability of blockage. The intermediary transition account asynchronously and concurrently transfers the split total position funds to the tail boxes of the corresponding branch based on the shortfall position funds of each branch. Inter-branch transfer operations are independent and processed in parallel by the intermediary transition account, avoiding competition for master bank resources and improving data flow efficiency.

[0079] 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 embodiment 1 can be referred to the above introduction and will not be described in detail later. Figure 3 The account position funds allocation method may further include steps S40 to S70:

[0080] Step S40: Based on the time period, obtain the current position balance of each branch account.

[0081] This embodiment provides a position flow process between the bank's main library and branch libraries, which transfers position fund data from the branch library-cash reserve-position tail box to the bank-wide-cash reserve-position tail box, and recovers the position fund data in each branch account to the bank's overall account.

[0082] In this embodiment, a scheduling tool or a custom scheduled task is used to trigger a query task based on a preset time period. The position balance of each branch database is stored in a specific table in the local database (e.g., cash_reserve_table). By querying the database table storing the position balances of each branch account, the current position balance of each branch database is obtained. The resulting current position balance is then stored according to the branch database ID.

[0083] Optionally, assign a thread to each branch account to process query requests for multiple branch accounts in parallel. Initialize a fixed-size thread pool based on the number of branch accounts and pre-create a database connection for each branch. Encapsulate the query logic of each branch as an independent task, create a query task for each branch, and submit it to the thread pool to process current position balance queries for multiple branch accounts in parallel. When the number of failed queries for a branch exceeds a preset threshold, such as five consecutive timeouts, the branch is skipped and an alarm is recorded to avoid affecting the overall query process. Processing multiple branch queries in parallel through the thread pool improves query efficiency.

[0084] Step S50: determining the excess position funds of each branch account according to the difference between the current position balance and a preset upper limit threshold of the balance.

[0085] In this embodiment, the upper balance threshold is configured based on business needs. For each branch account, the corresponding data acquisition script or program extracts the upper balance threshold and the current balance field values ​​from the corresponding data table. The current position balances of all branch accounts are traversed, and the upper balance threshold is subtracted from the current position balance to obtain the excess position funds of each branch account.

[0086] Step S60: allocating the position amount corresponding to the excess position funds from each of the branch accounts to the second transfer transition account.

[0087] Step S70: Allocate the position amount in the second transit account to the bank-wide account.

[0088] It should be noted that the second transit account is used to store the bank-wide position transfer-transfer tail box's head inventory data, and to aggregate all positions transferred asynchronously from the "branch warehouse-cash reserve-position tail box". It is unique in the entire bank.

[0089] In this embodiment, for branch accounts with excess positions, the branch account identifier (e.g., branch account ID) and the excess position amount are recorded. A connection is established between each branch account and the second transit account, and the position fund data corresponding to the excess position funds in the branch account is extracted and inserted into the corresponding table of the second transit account. The position balance in each branch account is also updated. All position fund data in the second transit account is transferred and stored in the bank-wide account.

[0090] In this embodiment, when transferring positions across branches, if a branch's positions need to be replenished, the positions are transferred from the "Bank-wide - Cash Reserves - Positions" box via the "Bank-wide - Positions Downward Transfer - Transfer Box" to each branch's "Cash Reserves - Positions" box. If a branch's excess positions need to be recovered, the positions are transferred from the "Branch-wide - Cash Reserves - Positions" box via the "Bank-wide - Positions Upward Transfer - Transfer Box" to the "Bank-wide - Cash Reserves - Positions" box. Because the downward and upward transfer processes use different intermediary accounts, the upward and downward transfer processes can be processed in parallel without blocking each other, allowing for more requests to be processed simultaneously, improving the overall system throughput and reducing wait time.

[0091] Based on the first embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above introduction and will not be repeated hereafter. On this basis, the account position fund allocation method can also include steps A10 to A40:

[0092] Step A10: determining a target payment storage account in a to-be-allocated state based on the time period, and obtaining a second total shortfall position fund amount of the target payment storage account.

[0093] It's important to note that the withdrawal storage unit stores the corresponding position amount data in the "Thread-Cash Disbursement-Position Box." This box, similar to a teller's cash box, is used for bank account withdrawals. It's distributed by thread number and is typically bound to a thread in an online transaction application. It supports scenarios such as customer top-ups, customer transfers (credits), customer refunds, and merchant collections (current accounts).

[0094] This embodiment provides a process for delimiting positions within a sub-library. When the balance of a target withdrawal storage account in a transaction is less than a lower limit, it is marked as pending allocation. All target withdrawal storage accounts in the pending allocation state are identified based on a preset time period, and the position gap (i.e., the second total gap position amount) of the target withdrawal storage account is obtained.

[0095] In the present embodiment, the position balance of each "thread-cash disbursement-position tail box" is detected. If the current position balance is less than the preset lower limit of the withdrawal storage unit balance, it is determined to be a target withdrawal storage account and marked as a pending allocation state. According to a preset time period, all target withdrawal storage accounts in the pending allocation state are regularly identified. For each target withdrawal storage account, the current position balance of the target withdrawal storage account is deducted from the lower limit of the withdrawal storage unit balance to obtain the position gap of the target withdrawal storage account. The total gap position amount is summarized to obtain the second total gap position fund amount.

[0096] Step A20: Allocate the second position amount corresponding to the second total gap position funds from the branch account to a third transit account.

[0097] Step A30: Allocate the second total shortfall position from the third transfer account to each of the target withdrawal storage accounts according to the shortfall position funds of each of the target withdrawal storage accounts.

[0098] It should be noted that the third transit transition account refers to the "branch library-position sub-transfer-allocation tail box", which is used for the transit from the "branch library-cash reserve-position tail box" to the "thread-cash expenditure-position tail box" and is unique to each branch library.

[0099] In this embodiment, before the total shortfall position is transferred from the "branch library - cash reserve - position tail box" to the "branch library - position transfer tail box", the transfer tail box is locked. The total shortfall position amount is transferred from the "branch library - cash reserve - position tail box" to the locked "branch library - position transfer tail box" at one time. The total shortfall position in the "branch library - position transfer tail box" is then split based on the position shortfall amount of each "thread - cash expenditure - position tail box". The split position amounts are allocated to the corresponding "thread - cash expenditure - position tail box" in an asynchronous and parallel manner. After the transfer operation is completed, the position balance of each "thread - cash expenditure - position tail box" is updated. After all the splitting and transfer operations are completed, the lock on the "branch library - position transfer tail box" is released. Through the above process, the number of contention locks in the "branch library - cash reserve - position tail box" is significantly reduced during the transfer process.

[0100] Based on the first embodiment of the present application, in the fourth embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above introduction and will not be repeated hereafter. On this basis, the account position fund allocation method can also include steps B10 to B40:

[0101] Step B10: Based on the time period, obtain the position funds in each business settlement storage account.

[0102] Step B20: When the sum of the position funds in the business clearing storage accounts is greater than the preset position funds, the position funds corresponding to the position funds are allocated from each of the business clearing storage accounts to a fourth transfer account.

[0103] It's important to note that the business clearing storage account refers to the "branch database - clearing tail box," which, similar to a clearing account, is divided into four clearing tail boxes based on different business scenarios: cash receipts, unilateral transfers / spending, cross-database transfers / spending, and merchant contracts. The fourth intermediate transition account, the "branch database - transaction processing - clearing tail box," serves as the withdrawal tail box for transaction scenarios. Positions are transferred into it in real time from the "thread - cash disbursements - position tail box" during transactions.

[0104] This embodiment provides a process for transferring positions within a sub-database. This process sets a scheduled task to obtain position balances from various business clearing boxes at preset intervals and consolidate the scattered positions within each business clearing box. The process checks whether the combined large position balance exceeds a preset position fund data volume. If the combined position fund data balance exceeds this set value, the position is transferred to the "Sub-database - Position Transfer - Clearing Box" process.

[0105] Step B30: Consolidate the position funds in the fourth transit account according to the time period.

[0106] Step B40: When the amount of the third position funds obtained after the merger is greater than the preset amount of the liquidation position funds, the third position funds are allocated from the fourth transfer account to the branch account.

[0107] In this embodiment, a timed task is started at a preset time interval, and the position fund data in the fourth transit transition account is merged to obtain the merged third position fund data. It is detected whether the data volume of the third position fund data is greater than the preset liquidation position fund data volume. If it is, the third position fund data is triggered to be transferred to the "branch library-cash reserves-position tail box" process. After locking the "branch library-cash reserves-position tail box", the third position fund data in the fourth transit unit is transferred to the "branch library-cash reserves-position tail box" and the position fund data balance is updated. After completing the position transfer operation, the lock on the "branch library-cash reserves-position tail box" is released, thereby achieving the purpose of quickly recovering the bank position and reducing the number of locks of the "branch library-cash reserves-position tail box".

[0108] Based on the first embodiment of the present application, in the fifth embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above introduction and will not be described in detail. On this basis, steps C10 to C30 may be further included before step S10:

[0109] Step C10: upon receiving a transaction request from a customer, obtaining a transaction amount corresponding to the transaction request.

[0110] Step C20: If the transaction amount is less than or equal to the preset transaction amount threshold, data allocation is performed according to the time period.

[0111] In this embodiment, large-value transactions are automatically allocated according to the ultra-large payment allocation process. When a transaction request is received from a customer, the transaction amount is extracted from the request. The transaction amount is compared with a preset ultra-large payment threshold. If the transaction amount exceeds the preset threshold, the ultra-large payment allocation process is triggered. If the transaction amount is less than or equal to the preset threshold, the position funds data is allocated on a scheduled basis according to a preset time period.

[0112] Scheduled transfers include the aforementioned steps of transferring positions from the "Bank-Whole - Cash Reserve - Position Tail Box" via the "Bank-Whole - Position Downward Transfer - Allocation Tail Box" to each "Branch Bank - Cash Reserve - Position Tail Box", recovering positions from the "Branch Bank - Cash Reserve - Position Tail Box" via the "Bank-Whole - Position Upward Transfer - Allocation Tail Box" to the "Bank-Whole - Cash Reserve - Position Tail Box", transferring positions from the "Branch Bank - Cash Reserve - Position Tail Box" via the "Branch Bank - Position Downward Transfer - Allocation Tail Box" to each "Thread - Cash Expenditure - Position Tail Box", and merging positions from various business clearing tail boxes and transferring them upwards to the "Branch Bank - Cash Reserve - Position Tail Box" via the "Branch Bank - Position Upward Transfer - Clearing Tail Box". These steps will not be elaborated here.

[0113] In step C30, if the transaction amount is greater than a preset amount threshold, the fourth position funds corresponding to the transaction amount are allocated in real time.

[0114] In this embodiment, the transaction amount is compared with a preset over-large payment threshold. If the transaction amount is greater than the threshold, the over-large payment allocation process is triggered.

[0115] Specifically, step C30 may include steps C31 to C33:

[0116] Step C31: Allocate the fourth position funds from the bank-wide account to the fifth transfer account;

[0117] It should be noted that the fifth transit transition account refers to the "branch bank - real-time transfer - allocation tail box", which is used for ultra-large cash transactions. During the transaction, the "whole bank - cash reserves - position tail box" will be transferred to this tail box in real time for withdrawal, and it is unique to each branch bank.

[0118] In this embodiment, when the transaction amount exceeds the set amount threshold, the position is transferred from the "Bank-wide - Cash Reserves - Position Tail Box" to the "Branch Library - Real-time Transfer - Transfer Tail Box" in real time. Before starting the transfer process, the "Bank-wide - Cash Reserves - Position Tail Box" is locked to prevent other operations from occurring during the transfer process that may cause data inconsistency. Based on the transaction amount, the fourth position funds that need to be transferred from the Bank-wide Position Tail Box to the Branch Library Position Tail Box are determined. The corresponding position amount is reduced from the "Bank-wide - Cash Reserves - Position Tail Box". The corresponding position amount is added to the "Branch Library - Real-time Transfer - Position Tail Box". Finally, the balance records of the two position tail boxes are updated in the database to ensure data consistency and accuracy. After the transfer operation is completed, the lock on the Bank-wide Position Tail Box is released.

[0119] Step C32: When the transaction processing process is triggered, the fourth position funds are allocated from the fifth transfer account to the customer account corresponding to the transaction.

[0120] In this embodiment, during transaction processing, positions are directly debited from the "Branch Library - Real-time Sub-transaction - Position Tail Box" to the customer account. Before processing a customer transaction, the "Branch Library - Real-time Sub-transaction - Position Tail Box" is locked to prevent other operations from occurring during the transaction. The corresponding position amount is deducted from the "Branch Library - Real-time Sub-transaction - Position Tail Box" by an amount equal to the customer's transaction amount. The deducted position amount is transferred to the customer account. The balance record of the branch library position tail box and the balance record of the customer account are updated in the database. After the transaction is completed, the branch library position tail box is unlocked.

[0121] In this embodiment, the automatic allocation of large-value transactions is achieved through the ultra-large-value payment allocation process, which can prevent ultra-large-value fund transactions from impacting branch-level positions and affecting daily high-frequency small-value transactions.

[0122] Step C33: When the storage time of the fourth position funds in the fifth transit account exceeds a preset retention period, the fourth position funds are allocated from the fifth transit account to the bank-wide account.

[0123] In this embodiment, unused fourth header data is recycled. Unused oversized payment positions are regularly identified. If the unused oversized payment position remains in the "Branch Library - Real-time Transfer - Position Tail Box" for a period exceeding a preset retention period, the transaction is considered failed and the used position is recycled to the "Branch Library - Cash Reserve - Position Tail Box."

[0124] In this embodiment, the execution frequency of the ultra-large payment position task is set. According to the set frequency, the monitoring task is started regularly to check the position status in the "branch library - real-time underline - position tail box". All position records in the "branch library - real-time underline - position tail box" are queried from the database. By checking the status or mark of the position, ultra-large payment positions that have not been used for any transaction are identified. For each unused position, its residence time in the "branch library - real-time underline - position tail box" is calculated. The residence time is compared with a preset time threshold to determine whether it exceeds the threshold. If the threshold is exceeded, the recovery process is triggered. The "branch library - cash reserve - position tail box" is locked, the unused position amount is reduced from the "branch library - real-time underline - position tail box", the corresponding position amount is added to the "branch library - cash reserve - position tail box", and the balance records of the two tail boxes are updated in the database. After the recovery operation is completed, the tail box is unlocked.

[0125] In this embodiment, by regularly identifying and recovering unused positions that have expired, funds are prevented from being idle for a long time, which can improve the turnover speed and utilization efficiency of positions and reduce resource occupation.

[0126] The present application provides an account position funds allocation device, comprising: 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 to enable the at least one processor to execute the account position funds allocation method in the above-mentioned embodiment 1.

[0127] Reference below Figure 4 , which shows a schematic diagram of the structure of an account position funds transfer device suitable for implementing embodiments of the present application. The account position funds transfer device in the embodiments of the present application may include, but is not limited to, mobile terminals such as mobile phones, laptop computers, personal digital assistants (PDAs), tablet computers (portable Android devices), in-vehicle terminals (e.g., in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 4 The account position funds allocation 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.

[0128] like Figure 4As shown, the account position funds transfer device may include a processing device 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes based on programs stored in a read-only memory (ROM) 1002 or programs loaded from a storage device 1003 into a random access memory (RAM) 1004. RAM 1004 also stores various programs and data required for the operation of the account position funds transfer device. Processing device 1001, ROM 1002, and RAM 1004 are interconnected via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems may be connected to I / O interface 1006: input device 1007 including, for example, a touch screen, touchpad, keyboard, mouse, image sensor, microphone, accelerometer, gyroscope, etc.; output device 1008 including, for example, a liquid crystal display (LCD), speaker, vibrator, etc.; storage device 1003 including, for example, a magnetic tape, hard disk, etc.; and communication device 1009. Communication device 1009 may allow the account position funds transfer device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows an account position funds transfer device with various systems, it should be understood that implementation or presence of all the illustrated systems is not required. More or fewer systems may alternatively be implemented or present.

[0129] In particular, according to the embodiments disclosed in the present application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising 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 via a communication device, or installed from a storage device 1003, or installed from a read-only memory 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 performed.

[0130] The account position funds transfer device provided in this application, utilizing the account position funds transfer method described in the aforementioned embodiment, can address the technical problem of reducing competition between bank-wide and branch-level accounts and improving the efficiency of position funds flow. Compared to the prior art, the beneficial effects of the account position funds transfer device provided in this application are the same as those of the account position funds transfer method described in the aforementioned embodiment. Other technical features of this account position funds transfer device are the same as those disclosed in the aforementioned embodiment and are not further elaborated here.

[0131] It should be understood that the various parts disclosed in this application can be implemented using 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.

[0132] The above description is merely a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this application should be included in the scope of protection of this application. Therefore, the scope of protection of this application should be based on the scope of protection of the claims.

[0133] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer program) stored thereon, and the computer-readable program instructions are used to execute the account position fund allocation method in the above-mentioned embodiment.

[0134] The computer-readable storage medium provided in the present application can be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems or devices, or any combination thereof. More specific examples of computer-readable storage media can 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, Erasable Programmable Read Only Memory or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM, CD-Read Only Memory), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present embodiment, the computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in combination with an instruction execution system or device. The program code contained on the computer-readable storage medium can be transmitted using any appropriate medium, including but not limited to: an electric wire, an optical cable, a radio frequency (RF, Radio Frequency), etc., or any suitable combination thereof.

[0135] The computer-readable storage medium may be included in the account position funds transfer device, or may exist independently and not be incorporated into the account position funds transfer device. The computer-readable storage medium carries one or more programs. When executed by the account position funds transfer device, the computer-readable storage medium causes the account position funds transfer device to: determine a first total gap position amount based on the gap position amounts of each branch account within a preset time period; allocate first position funds corresponding to the first total gap position amount from bank-wide accounts to a first transit account; and split the first position funds according to the gap position amounts corresponding to each branch account and allocate them to each branch account.

[0136] Computer program code for performing the operations of the present application can 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 can 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 cases involving a remote computer, the remote computer can 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 can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0137] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, program segment or a part of code, and the module, program segment or a part of 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 box can also occur in a different order than that marked in the accompanying drawings. For example, two 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 box in the block diagram and / or flow chart, and the combination of the boxes in the block diagram and / or flow chart can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a combination of dedicated hardware and computer instructions.

[0138] The modules described in the embodiments of the present application may be implemented in software or hardware, wherein the name of a module does not necessarily limit the unit itself.

[0139] The computer-readable storage medium provided in this application stores computer-readable program instructions (i.e., a computer program) for executing the aforementioned account position funds transfer method. This computer-readable storage medium can address the technical problem of reducing competition between bank-level and branch-level accounts and improving the efficiency of position funds flow. Compared to the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as those of the account position funds transfer method provided in the aforementioned embodiments, and are not further elaborated here.

[0140] The above description is only part of the embodiments of the present application and does not limit the patent scope of the present application. All equivalent structural transformations made by using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect application in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for allocating account position funds, characterized in that: The account position funds allocation methods include: Determine the first total gap position amount based on the gap position amount of each branch account within a preset time period; Allocate the first position funds corresponding to the first total shortfall position funds from the bank-wide account to the first transit account; According to the amount of the gap position funds corresponding to each branch account, the first position funds are split and allocated to each branch account respectively.

2. The method for allocating account position funds according to claim 1, wherein: The step of determining the first total gap position amount based on the gap position amount of each branch account within a preset time period includes: Based on the time period, obtaining the current position balance of each branch account; Determining the amount of funds for the gap position based on the difference between a preset lower balance threshold and the current position balance; The first total gap position funding amount is determined according to the sum of the funding amounts of each gap position.

3. The method for allocating account position funds according to claim 1, characterized in that: The account position funds allocation method also includes: Based on the time period, obtaining the current position balance of each branch account; determining the amount of excess position funds in each of the branch accounts based on the difference between the current position balance and a preset upper balance threshold; Allocate the position amount corresponding to the excess position funds from each of the branch accounts to the second transfer transition account; The position amount in the second transit account is allocated to the bank-wide account.

4. The method for allocating account position funds according to claim 1, wherein: The account position funds allocation method also includes: Determine a target withdrawal storage account in a to-be-allocated state based on the time period, and obtain a second total shortfall position fund amount of the target withdrawal storage account; Allocate the second position amount corresponding to the second total gap position funds from the branch account to the third transfer transition account; The second total gap position is allocated from the third transfer transition account to each of the target withdrawal storage accounts according to the gap position fund amount of each of the target withdrawal storage accounts.

5. The method for allocating account position funds according to claim 4, characterized in that: The account position funds allocation method also includes: Based on the time period, obtaining the amount of position funds in each business clearing storage account; When the sum of the position funds in the business clearing storage accounts is greater than a preset position fund amount, the position funds corresponding to the position funds are allocated from each of the business clearing storage accounts to a fourth transfer transition account; Consolidating the position funds in the fourth transit account according to the time period; When the amount of the third position funds obtained after the merger is greater than the preset amount of the liquidation position funds, the third position funds are allocated from the fourth transfer transition account to the branch account.

6. The method for allocating account position funds according to claim 1, wherein: Before the step of determining the first total gap position amount based on the gap position amount of each branch account within a preset time period, the method further includes: Upon receiving a transaction request from a customer, obtaining the transaction amount corresponding to the transaction request; If the transaction amount is less than or equal to the preset transaction amount threshold, data allocation is performed according to the time period; If the transaction amount is greater than a preset amount threshold, the fourth position funds corresponding to the transaction amount are allocated in real time.

7. The method for allocating account position funds according to claim 6, characterized in that: The step of allocating data of the fourth position funds corresponding to the transaction amount in real time includes: Allocate the fourth position funds from the bank-wide account to the fifth transit account; When the transaction processing process is triggered, the fourth position funds are allocated from the fifth transfer account to the customer account corresponding to the transaction.

8. The method for allocating account position funds according to claim 7, characterized in that: After the step of allocating the fourth position funds from the fifth transfer account to the client account corresponding to the transaction, the method further includes: When the storage time of the fourth position funds in the fifth transit transition account exceeds a preset stay time period, the fourth position funds are allocated from the fifth transit transition account to the bank-wide account.

9. An account position funds transfer device, characterized in that: The device 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 account position fund transfer method according to any one of claims 1 to 8.

10. A storage medium, characterized in that: The storage medium is a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the steps of the account position funds transfer method according to any one of claims 1 to 8 are implemented.

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