CN108961041A - A kind of proprietary management method used of amount and device - Google Patents
A kind of proprietary management method used of amount and device Download PDFInfo
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- CN108961041A CN108961041A CN201810731190.2A CN201810731190A CN108961041A CN 108961041 A CN108961041 A CN 108961041A CN 201810731190 A CN201810731190 A CN 201810731190A CN 108961041 A CN108961041 A CN 108961041A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a kind of proprietary management method used of amount and device, this method includes obtaining the credit information for participating in row；Debit application message is received, and the message is parsed, obtains debit information；According to the credit information for participating in row and the debit information, the business processing flow of the debit application message is determined；The amount use for participating in row is managed based on the business processing flow.The purpose for improving safety and reducing business risk is realized through the invention.
Description
Technical field
The present invention relates to credit services technical fields, more particularly to a kind of proprietary management method used of amount and dress
It sets.
Background technique
It include that RMB clearing bank and participation are gone in RMB clearing operation system, it is insufficient referring to row settlement fund,
It needs to provide the overdraw amount of money by clearing bank to carry out business transaction.
Clearing bank's amount of money at the beginning of the day that can be used for RMB clearance the participation trade day that local Central Bank is submitted in sunrise at present
When will include two parts, first is to participate in the balance of funding that may be used as doing RMB clearance in row account, and second is clearing bank
Authorize the clearance accrediting amount overdrawed for participating in row.But the non-clearance of RMB account that row is participated in part is moved residential registration to another place there are many in
On the way, clearing bank can only authorize single account certain facility extent, but can not limit this amount and whom returns use, so when clearance
When row gives this account certain facility extent, if account is that, although deposit amount is inadequate, having can doing other transaction
Facility extent, trade fair normally complete, this when, amount will become other transaction occupancy, and these occupied amounts just have
May result in normal RMB clearing transactions can not normally complete or Fail Transaction.Therefore, if account amount application
The problems such as business risk just will appear by other systems occupancy afterwards.
Summary of the invention
It is directed to the above problem, the present invention provides a kind of proprietary management method used of amount and device, realizes raising
Safety and the purpose for reducing business risk.
To achieve the goals above, the present invention provides the following technical scheme that
A kind of proprietary management method used of amount, comprising:
Obtain the credit information for participating in row；
Debit application message is received, and the message is parsed, obtains debit information；
According to the credit information for participating in row and the debit information, the business processing of the debit application message is determined
Process；
The amount use for participating in row is managed based on the business processing flow.
It is optionally, described to obtain before participating in capable credit information, further includes:
According to the credit amount of money and credit amount for participating in row, being adjusted with the credit amount of money for row is participated in described.
Optionally, described according to the credit amount of money and credit amount of participating in row, the credit amount of money has been used to the participation row
It is adjusted, comprising:
Judge whether the participation row has and used the credit amount of money, if it is not, then load credit amount；
If so, whether judgement is described is greater than the credit amount with the credit amount of money, if so, having used credit for described
The amount of money is adjusted to the first amount of money value, wherein first amount of money value is the difference for having used the credit amount of money Yu the credit amount
Value；
If it is not, being then adjusted to zero with the credit amount of money for described.
Optionally, the credit information for participating in row includes the load amount of money for participating in row, the highest credit amount of money and
With the credit amount of money.
Optionally, described according to the credit information for participating in row and the debit information, determine the debit application report
The business processing flow of text, comprising:
The load amount of money for participating in row, the highest credit amount of money are determined according to the participation row credit information and have used credit
The amount of money；
Debit amount is determined according to the debit information；
Between the load amount of money and the highest credit amount of money and value is calculated, described and value is denoted as the first calculating
Value；
First calculated value and the difference used between the credit amount of money are calculated, the second calculated value is denoted as；
Judge whether second calculated value is less than the debit amount, if it is, error information is generated, if not,
Then judge whether the load amount of money is not less than the debit amount；
If so, solution encloses the debit amount and records the debit amount；
If it is not, then adjusting the accrediting amount to the second amount value, and solves the circle debit amount and record the debit gold
Volume.
A kind of proprietary managing device used of amount, comprising:
Acquiring unit, for obtaining the credit information for participating in row；
Resolution unit is parsed for receiving debit application message, and to the message, obtains debit information；
Determination unit, for determining the debit application according to the credit information for participating in row and the debit information
The business processing flow of message；
Administrative unit, for being managed based on the business processing flow to the amount use for participating in row.
Optionally, further includes:
Adjustment unit, for having used credit golden the participation row according to the credit amount of money and credit amount for participating in row
Volume is adjusted.
Optionally, the adjustment unit includes:
First judgment sub-unit has used the credit amount of money for judging whether the participation row has, if it is not, then load credit
The amount of money；
Second judgment sub-unit, if thering is when having used the credit amount of money, judgement is described to use the credit amount of money for participation row
Whether the credit amount is greater than, if so, having been adjusted described with the credit amount of money to the first amount of money value, wherein described first
Amount of money value is the difference for having used the credit amount of money Yu the credit amount；
If it is not, being then adjusted to zero with the credit amount of money for described.
Optionally, the credit information for participating in row includes the load amount of money for participating in row, the highest credit amount of money and
With the credit amount of money.
Optionally, the determination unit includes:
First determines subelement, for determining the load amount of money, most for participating in row according to the participation row credit information
The high credit amount of money and the credit amount of money is used；
Second determines subelement, for determining debit amount according to the debit information；
First computation subunit, for calculating between the load amount of money and the highest credit amount of money and value, by institute
It states and value is denoted as the first calculated value；
Second computation subunit is remembered for calculating first calculated value and the difference used between the credit amount of money
For the second calculated value；
Third judgment sub-unit, for judging whether second calculated value is less than the debit amount, if it is, raw
At error information, if it is not, then judging whether the load amount of money is not less than the debit amount；If so, being borrowed described in solution circle
The note amount of money simultaneously records the debit amount；If it is not, then adjusting the accrediting amount to the second amount value, and solve the circle debit amount
And record the debit amount.
Compared to the prior art, the present invention provides a kind of proprietary management method used of amount and devices, obtain and participate in
Capable credit information；Debit application message is received, and the message is parsed, obtains debit information；According to the participation
Capable credit information and the debit information determine the business processing flow of the debit application message.It in this way can be according to borrowing
Note application message carries out corresponding business processing flow, then carries out the proprietary pipe used according to the amount of business processing flow
Reason, it is ensured that by first to file to facility extent give back, and then ensure that each participations goes and have usable facility extent, can also
To guarantee that the overdraw amount of money is not occupied by other systems, the safety for improving system reduces business risk.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow diagram of the proprietary management method used of amount provided in an embodiment of the present invention；
Fig. 2 is a kind of structural schematic diagram of the proprietary managing device used of amount provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Term " first " and " second " in description and claims of this specification and above-mentioned attached drawing etc. are for area
Not different objects, rather than for describing specific sequence.Furthermore term " includes " and " having " and their any deformations,
It is intended to cover and non-exclusive includes.Such as it contains the process, method of a series of steps or units, system, product or sets
It is standby not to be set in listed step or unit, but may include the step of not listing or unit.
The embodiment of the invention provides a kind of proprietary management methods used of amount, and referring to Fig. 1, this method includes following step
It is rapid:
S11, the credit information for participating in row is obtained.
Participation row, which refers to, signs effective clearing agreement with Chinese Renminbi liquidation center, and opens RMB clearing account
Person.The credit information for participating in row may include the load amount of money, the accrediting amount, with information such as the accrediting amounts.
Before obtaining the credit information for participating in row, need to be carried out with the accrediting amount in the credit business for participating in row
Judgement and adjustment.Therefore, in another embodiment of the invention further include:
According to the credit amount of money and credit amount for participating in row, being adjusted with the credit amount of money for row is participated in described.
Specifically, it is described according to the credit amount of money and credit amount of participating in row, the credit amount of money has been used to the participation row
It is adjusted, comprising:
Judge whether the participation row has and used the credit amount of money, if it is not, then load credit amount；
If so, whether judgement is described is greater than the credit amount with the credit amount of money, if so, having used credit for described
The amount of money is adjusted to the first amount of money value, wherein first amount of money value is the difference for having used the credit amount of money Yu the credit amount
Value；
If it is not, being then adjusted to zero with the credit amount of money for described.
For example:
When participation row account endlessly uses credit, direct load credit amount.For example, participating in the row load amount of money 1,000,000, most
High credit 1,000,000, has used credit 0.If participating in row have no alternative but to credit, just directly when participation row receives remittance fund 200,000
200,000 loads that will be received, are exactly the load amount of money 1,200,000 after transaction, and credit 0. has been used in highest credit 1,000,000
When participation row, which has, has used credit, when being greater than credit amount with credit, first amount of money will be adjusted to credit
Value, wherein the first amount of money value=used credit-credit amount.For example, the row load amount of money 00,000 is participated in, highest credit 1,000,000,
With credit 600,000.It should be noted that the load amount of money and will not and be deposited with credit under normal circumstances.If received when participating in row
It when remittance fund 200,000, participates in go to have and has used credit, judgement has used credit 600,000 to be greater than remittance fund 200,000, will be with credit tune
Whole is exactly the load amount of money 00,000 after transaction to 400,000, and credit 400,000 has been used in highest credit 1,000,000.
Credit has been used when participating in go to have, when being less than credit amount with credit, will have been adjusted with credit to 0, then enclosed
Deposit the amount of money, wherein the load amount of money=credit amount-credit.For example, the row load amount of money 00,000 is participated in, highest credit 1,000,000,
Credit 600,000 is used.If participating in go to have and having used credit, credit 600,000 has been used in judgement when participation row receives remittance fund 900,000
Greater than fund 900,000 is imported, it is adjusted to 0 with credit, then load is left 90-60=30 ten thousand again, is exactly load gold after transaction
Credit 0 has been used in volume 300,000, highest credit 1,000,000.
Credit has been used when participating in go to have, when being equal to credit amount with credit, 0 will be adjusted to credit.For example, participating in
Credit 600,000 has been used in the row load amount of money 00,000, highest credit 1,000,000.
It the load amount of money and will not and be deposited with credit under normal circumstances.
If participating in go to have and having used credit, judgement is equal to credit 600,000 when participation row receives remittance fund 600,000
Remittance fund 600,000 has been adjusted to 0 with credit, has been exactly the load amount of money 0 after transaction, and credit 0 has been used in highest credit 1,000,000.
It should be noted that the highest accrediting amount, which is one, can be used for RMB in core according to each participation row by teller
Facility extent is cleared to safeguard into system, will not generally change, system will not actively change this value.
S12, debit application message is received, and the message is parsed, obtain debit information；
Due to that would generally include much information in debit application message, need to extract debit information, debit letter
The main information such as including debit amount of breath obtain each business factor and are deposited respectively therefore, it is necessary to parse to message
Storage.
S13, capable credit information and the debit information are participated according to described, determines the business of the debit application message
Process flow；
Determine that business processing flow namely determines use which kind of mode carries out the debit of debit amount and how Xie Quan is borrowed
Remember the amount of money.
Optionally, in embodiments of the present invention further include the determination method of business processing flow, may comprise steps of:
The load amount of money for participating in row, the highest credit amount of money are determined according to the participation row credit information and have used credit
The amount of money；
Debit amount is determined according to the debit information；
Between the load amount of money and the highest credit amount of money and value is calculated, described and value is denoted as the first calculating
Value；
First calculated value and the difference used between the credit amount of money are calculated, the second calculated value is denoted as；
Judge whether second calculated value is less than the debit amount, if it is, error information is generated, if not,
Then judge whether the load amount of money is not less than the debit amount；
If so, solution encloses the debit amount and records the debit amount；
If it is not, then adjusting the accrediting amount to the second amount value, and solves the circle debit amount and record the debit gold
Volume.
System first judges whether the load amount of money+highest credit-is less than debit amount with credit, if it is less than then directly report
Mistake, greater than then judging:
Whether the load amount of money is more than or equal to debit amount, if it is, solution circle debit amount, recording and storage debit gold
Volume；
If the load amount of money is less than debit amount, amount is adjusted to have used the calculating of amount+debit amount-load amount of money
Value, after adjusting successfully, solution circle load is connect, the recording and storage debit amount.
It should be noted that under normal circumstances, the load amount of money will not and be deposited with the accrediting amount, only in unknown situation of trading
Under, load, which connects, to be possible to and is deposited with the accrediting amount.
S14, the amount use for participating in row is managed based on the business processing flow.
Distance explanation, clearing bank to account the accrediting amount participate in row account fund clear enough when, the account
It will not go to apply for the accrediting amount, as long as how much needing how many applications when participation row needs, then going and receive when participation
When money, first the facility extent applied is planned, ensures that facility extent application with regard to classifying the people certainly in this way
Coin uses.
The present invention provides a kind of proprietary management methods used of amount, and the credit information of row is participated in by obtaining；It receives
Debit application message, and the message is parsed, obtain debit information；According to the credit information and described for participating in row
Debit information determines the business processing flow of the debit application message.It can be carried out in this way according to debit application message corresponding
Business processing flow, the proprietary management used is then carried out according to the amount of business processing flow, it is ensured that by first to file
To facility extent give back, and then ensure that each participation row has usable facility extent, it is also ensured that the overdraw amount of money is not
It is occupied by other systems, the safety for improving system reduces business risk.
A kind of proprietary managing device used of amount is additionally provided in embodiments of the present invention, referring to fig. 2, comprising:
Acquiring unit 10, for obtaining the credit information for participating in row；
Resolution unit 20 is parsed for receiving debit application message, and to the message, obtains debit information；
Determination unit 30, for determining the debit Shen according to the credit information for participating in row and the debit information
Please message business processing flow；
Administrative unit 40, for being managed based on the business processing flow to the amount use for participating in row.
The present invention provides a kind of proprietary managing device used of amount, the credit letter for participating in row is obtained by acquiring unit
Breath；Debit application message is received in resolution unit, and the message is parsed, and obtains debit information；In determination unit
It is middle to participate in capable credit information and the debit information according to described, determine the business processing flow of the debit application message.
Corresponding business processing flow can be carried out according to debit application message in this way, then be carried out according to the amount of business processing flow
The proprietary management used, it is ensured that by first to file to facility extent give back, and then it is usable to ensure that each participation row has
Facility extent, it is also ensured that the overdraw amount of money is not occupied by other systems, and the safety for improving system reduces business wind
Danger.
Optionally, further includes:
Adjustment unit, for having used credit golden the participation row according to the credit amount of money and credit amount for participating in row
Volume is adjusted.
Optionally, the adjustment unit includes:
First judgment sub-unit has used the credit amount of money for judging whether the participation row has, if it is not, then load credit
The amount of money；
Second judgment sub-unit, if thering is when having used the credit amount of money, judgement is described to use the credit amount of money for participation row
Whether the credit amount is greater than, if so, having been adjusted described with the credit amount of money to the first amount of money value, wherein described first
Amount of money value is the difference for having used the credit amount of money Yu the credit amount；
If it is not, being then adjusted to zero with the credit amount of money for described.
Optionally, the credit information for participating in row includes the load amount of money for participating in row, the highest credit amount of money and
With the credit amount of money.
Optionally, the determination unit includes:
First determines subelement, for determining the load amount of money, most for participating in row according to the participation row credit information
The high credit amount of money and the credit amount of money is used；
Second determines subelement, for determining debit amount according to the debit information；
First computation subunit, for calculating between the load amount of money and the highest credit amount of money and value, by institute
It states and value is denoted as the first calculated value；
Second computation subunit is remembered for calculating first calculated value and the difference used between the credit amount of money
For the second calculated value；
Third judgment sub-unit, for judging whether second calculated value is less than the debit amount, if it is, raw
At error information, if it is not, then judging whether the load amount of money is not less than the debit amount；If so, being borrowed described in solution circle
The note amount of money simultaneously records the debit amount；If it is not, then adjusting the accrediting amount to the second amount value, and solve the circle debit amount
And record the debit amount.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other
The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part
It is bright.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (10)
1. a kind of proprietary management method used of amount characterized by comprising
Obtain the credit information for participating in row；
Debit application message is received, and the message is parsed, obtains debit information；
According to the credit information for participating in row and the debit information, the business processing stream of the debit application message is determined
Journey；
The amount use for participating in row is managed based on the business processing flow.
2. the method according to claim 1, wherein described obtain before participating in capable credit information, further includes:
According to the credit amount of money and credit amount for participating in row, being adjusted with the credit amount of money for row is participated in described.
3. according to the method described in claim 2, it is characterized in that, it is described according to participate in row the credit amount of money and credit amount,
Being adjusted with the credit amount of money for row is participated in described, comprising:
Judge whether the participation row has and used the credit amount of money, if it is not, then load credit amount；
If so, whether judgement is described is greater than the credit amount with the credit amount of money, if so, described the credit amount of money will have been used
It adjusts to the first amount of money value, wherein first amount of money value is the difference for having used the credit amount of money Yu the credit amount；
If it is not, being then adjusted to zero with the credit amount of money for described.
4. according to the method described in claim 3, it is characterized in that, the credit information for participating in row includes the participation row
The load amount of money, the highest credit amount of money and the credit amount of money is used.
5. according to the method described in claim 4, it is characterized in that, described according to the credit information for participating in row and described borrow
Remember information, determine the business processing flow of the debit application message, comprising:
The load amount of money for participating in row, the highest credit amount of money are determined according to the participation row credit information and have used credit golden
Volume；
Debit amount is determined according to the debit information；
Between the load amount of money and the highest credit amount of money and value is calculated, described and value is denoted as the first calculated value；
First calculated value and the difference used between the credit amount of money are calculated, the second calculated value is denoted as；
Judge whether second calculated value is less than the debit amount, if it is, error information is generated, if it is not, then sentencing
Whether the load amount of money that breaks is not less than the debit amount；
If so, solution encloses the debit amount and records the debit amount；
If it is not, then adjusting the accrediting amount to the second amount value, and solves the circle debit amount and record the debit amount.
6. a kind of proprietary managing device used of amount characterized by comprising
Acquiring unit, for obtaining the credit information for participating in row；
Resolution unit is parsed for receiving debit application message, and to the message, obtains debit information；
Determination unit, for determining the debit application message according to the credit information for participating in row and the debit information
Business processing flow；
Administrative unit, for being managed based on the business processing flow to the amount use for participating in row.
7. device according to claim 6, which is characterized in that further include:
Adjustment unit, for according to participate in row the credit amount of money and credit amount, to it is described participate in row used the credit amount of money into
Row adjustment.
8. device according to claim 7, which is characterized in that the adjustment unit includes:
First judgment sub-unit has used the credit amount of money for judging whether the participation row has, if it is not, then load credit gold
Volume；
Second judgment sub-unit, if thering is when having used the credit amount of money, judgement is described whether to use the credit amount of money for participation row
Greater than the credit amount, if so, having been adjusted described with the credit amount of money to the first amount of money value, wherein first amount of money
Value is the difference for having used the credit amount of money Yu the credit amount；
If it is not, being then adjusted to zero with the credit amount of money for described.
9. device according to claim 8, which is characterized in that the credit information for participating in row includes the participation row
The load amount of money, the highest credit amount of money and the credit amount of money is used.
10. device according to claim 9, which is characterized in that the determination unit includes:
First determines subelement, for determining that the load amount of money for participating in row, highest are awarded according to the participation row credit information
Believe the amount of money and uses the credit amount of money；
Second determines subelement, for determining debit amount according to the debit information；
First computation subunit, for calculating between the load amount of money and the highest credit amount of money and value, will it is described and
Value is denoted as the first calculated value；
Second computation subunit is denoted as calculating first calculated value and the difference used between the credit amount of money
Two calculated values；
Third judgment sub-unit, for judging whether second calculated value is less than the debit amount, if it is, generating report
Wrong information, if it is not, then judging whether the load amount of money is not less than the debit amount；If so, solution encloses the debit gold
Volume simultaneously records the debit amount；If it is not, then adjusting the accrediting amount to the second amount value, and solves the circle debit amount and remember
Record the debit amount.
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Application publication date: 20181207 |