CN108428174A - Transaction funds method for early warning, server and storage medium - Google Patents
Transaction funds method for early warning, server and storage medium Download PDFInfo
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Abstract
The present invention proposes a kind of transaction funds method for early warning, including：The amount of money will be entered and transfers to the second account from the first account to transfer instruction according to the golden business that enters of assets cross-border transaction by receiving；Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, the amount of money and the corresponding assets amount of money of the assets are entered according to this, this is calculated and enters the corresponding single of golden business and enter golden early warning value；When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate the warning information of preset format, which is sent to default audit terminal.The present invention also proposes a kind of server and computer readable storage medium.Using the present invention, may be implemented, to effective management and control of the entry and exit fund amount during assets cross-border transaction, to promote the trading experiencing of user.
Description
Technical field
The present invention relates to a kind of field of computer technology more particularly to transaction funds method for early warning, server and computers
Readable storage medium storing program for executing.
Background technology
Currently, the cross-border business of domestic assets is mostly off-line transaction, overseas institution lacks channel and platform obtains domestic money
The information of production and service provider etc. lack transaction platform and realize that the fund on line is completed a business transaction, amount control, risk management and control etc., usual nothing
Method is effectively directed to the entry and exit amount of money and carries out anomaly analysis, and abnormal conditions can not effectively evade.Moreover, the cross-border transaction of domestic assets
It is related to cross-border Capital Flow and special system of account, therefore needs to complete a business transaction carry out management and control to the fund of cross-border transaction.Therefore, Ji Xuti
For a kind of transaction funds method for early warning that can be applied in assets cross-border transaction.
Invention content
A kind of transaction funds method for early warning of present invention offer, server and computer readable storage medium, main purpose
It is to realize effective management and control to the entry and exit fund amount during assets cross-border transaction, promotes the trading experiencing of user.
To achieve the above object, the present invention provides a kind of server, which includes memory, processor, described to deposit
The transaction funds early warning program that can be run on the processor is stored on reservoir, it is real when which is executed by the processor
Existing following steps：
It receives and drawing to the second account is transferred from the first account by the amount of money is entered according to the golden business that enters of assets cross-border transaction
Turn instruction；
Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, the amount of money is entered according to this
And the corresponding assets amount of money of the assets, it calculates this and enters the corresponding single of golden business and enter golden early warning value；And
When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate preset format
The warning information is sent to default audit terminal by warning information.
In addition, to achieve the above object, the present invention also provides a kind of transaction funds method for early warning, this method includes：
It receives and drawing to the second account is transferred from the first account by the amount of money is entered according to the golden business that enters of assets cross-border transaction
Turn instruction；
Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, the amount of money is entered according to this
And the corresponding assets amount of money of the assets, it calculates this and enters the corresponding single of golden business and enter golden early warning value；And
When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate preset format
The warning information is sent to default audit terminal by warning information.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Transaction funds early warning program is stored on storage medium, which realizes that transaction funds as described above are pre- when being executed by processor
The arbitrary steps of alarm method.
Compared to the prior art, transaction funds method for early warning, server and computer-readable storage medium proposed by the present invention
Matter by being examined to the fund amount entered and left the border during domestic assets cross-border transaction, and carries out in advance according to approval results
It is alert, realize effective management and control to fund amount of entering and leaving the border；When determining different funds transfers by the way that different delisted sides are arranged
Limit avoids transaction risk to a certain extent, and promotion fund completes a business transaction process, improves transaction success rate, promotes customer transaction body
It tests.
Description of the drawings
Fig. 1 is the schematic diagram of server preferred embodiment of the present invention；
Fig. 2 is the program module schematic diagram of transaction funds early warning program in Fig. 1；
Fig. 3 is the flow chart of transaction funds method for early warning preferred embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of transaction funds method for early warning, and this method is applied to a kind of server 1.Shown in referring to Fig.1, it is
The schematic diagram of 1 preferred embodiment of server of the present invention.
In the present embodiment, server 1 can be rack-mount server, blade server, tower server or cabinet
Formula server.
The server 1 includes memory 11, processor 12, communication bus 13 and network interface 14.
Wherein, memory 11 include at least a type of readable storage medium storing program for executing, the readable storage medium storing program for executing include flash memory,
Hard disk, multimedia card, card-type memory (for example, SD or DX memories etc.), magnetic storage, disk, CD etc..Memory 11
Can be the internal storage unit of the server 1, such as the hard disk of the server 1 in some embodiments.Memory 11 exists
Can also be that the plug-in type that is equipped on the External memory equipment of the server 1, such as the server 1 is hard in other embodiments
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Further, memory 11 can also both include the internal storage unit of the server 1 or including external
Storage device.Memory 11 can be not only used for storage and be installed on the application software and Various types of data of the server 1, such as merchandise
Fund early warning program 10 etc. can be also used for temporarily storing the data that has exported or will export.
Processor 12 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips, the program for being stored in run memory 11
Code or processing data, such as transaction funds early warning program 10 etc..
Communication bus 13 is for realizing the connection communication between these components.
Network interface 14 may include optionally standard wireline interface and wireless interface (such as WI-FI interface), be commonly used in
Communication connection is established between the server 1 and other electronic equipments.
Fig. 1 illustrates only the server 1 with component 11-14, it should be understood that being not required for implementing all show
Component, the implementation that can be substituted is more or less component.
Optionally, which can also include user interface, and user interface may include display (Display), defeated
Enter unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface and wireless interface.
Optionally, in some embodiments, display can be that light-emitting diode display, liquid crystal display, touch control type LCD are shown
Device and Organic Light Emitting Diode (Organic Light-Emitting Diode, OLED) touch device etc..Wherein, display
It is properly termed as display screen or display unit, for showing the information handled in the server 1 and for showing visual use
Family interface.
In server example shown in Fig. 1, transaction funds early warning program 10 is stored in memory 11.Processor 12
Following steps are realized when executing the transaction funds early warning program 10 stored in memory 11：
It receives and drawing to the second account is transferred from the first account by the amount of money is entered according to the golden business that enters of assets cross-border transaction
Turn instruction；
Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, the amount of money is entered according to this
And the corresponding assets amount of money of the assets, it calculates this and enters the corresponding single of golden business and enter golden early warning value；And
When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate preset format
The warning information is sent to default audit terminal by warning information.
Assets cross-border transaction process includes three parts：Fund after assets are listed, assets are delisted and delisted is completed a business transaction.We
The fund that case only relates to after delisted success completes a business transaction part.For example, domestic financial institution Q is by certain cross-border operation system, to domestic
The listed information of assets P carries out publicity, and overseas investment mechanism A is sent out by the cross-border operation system for domestic assets P delisted
Request, after the delisted successes of overseas investment mechanism A, both sides need to carry out fund and complete a business transaction, that is to say, that delisted side need to be by transaction amount
It is transferred from the first account (account of overseas investment mechanism A) into third account (account of domestic financial institution Q).In order to ensure
Transaction funds are first transferred from the first account to the second account, are waited for as intermediate account by fund security, one the second account of setting
After the completion of assets change, then transaction funds are transferred from the second account into third account.It is cross-border due to being carried out to domestic assets P
When transaction, there are fund entry and exit need to examine entry and exit fund in order to avoid risk that may be present.
In the present embodiment, fund is domestic from overseas flowing into, and therefore, need to enter golden business for the pen, to domestic assets P's
The transaction amount of cross-border transaction is examined.
Specifically, enter golden business single to this first and enter amount of money degree to examine：Receive entering according to assets cross-border transaction
Golden business, which will enter the amount of money and be transferred from the first account to the second account, transfers instruction, wherein transferring instruction includes：To be transferred
Transfer the amount of money (that is, the pen enter golden business it is corresponding enter the amount of money), mark account (that is, first account), cut-in account (that is, the
Two accounts) and transfer the time；Obtain respectively this enter golden business it is corresponding enter amount of money a1 (that is, for domestic assets P delisted gold
Volume) and the corresponding assets amount of money b1 of assets P (for example, it may be amount of the loan of the domestic assets P mortgage)；According to entering Jin Jin
The volume a1 and corresponding assets amount of money b1 of domestic assets P, calculates the pen and enters the corresponding single of golden business and enter golden early warning value K1, for example,
K1=(b1-a1), wherein K1 refers to the income that listed side (domestic financial institution Q) is obtained by the domestic assets P that merchandises；When this
When single enters golden early warning value K1 more than the first predetermined threshold value, illustrate that listed side is excessively high by the income that domestic assets P is obtained of merchandising,
There may be certain risks, therefore, refuse this and transfer instruction, suspend this and enter handling for golden business, and generate preset format
The warning information is sent to default audit terminal and carries out respective handling by warning information.For example, the warning information can be：It compiles
It number has triggered single for the amount of money that enters of the domestic assets P of * * * * * * and enters amount of money early warning, asked timely processing.
Further, it when the single enters golden early warning value K1 less than or equal to the first predetermined threshold value, also needs to enter the pen
Golden business is corresponding always to be entered amount of money degree and is examined：Obtain respectively this enter golden business it is corresponding enter amount of money a1 and first it is default when
Between (for example, the time cycle in 1 year away from current point in time) in entered golden total amount in second account, this is entered into Jin Jin
Enter golden total amount addition calculation in volume a1 and the second account to obtain to be analyzed always entering amount of money A1；To be analyzed always enter gold according to this
Amount of money A1 always enters golden limit M1 with preset, calculates this and enters that golden business is corresponding always to enter golden early warning value K2, for example, K2=(A1-
M1)；When this always enters golden early warning value K2 more than the second predetermined threshold value, illustrate the cross-border transaction completed by the cross-border transaction system
Corresponding always to enter the amount of money excessive, it is understood that there may be therefore certain risk refuses this and transfers instruction, suspend this and enter golden business
It handles, and generates the warning information of preset format, which, which is sent to default audit terminal, carries out respective handling.Example
Such as, which can be：The amount of money that enters that number is the domestic assets P of * * * * * * has triggered and always enters amount of money early warning, asks
Timely processing.
It is understood that the cross-border transaction success of assets P, not only will consider whether its transaction amount conforms to
It asks, while also needing to consider whether its funds transfer time meets the requirements.It should be noted that if the historical trading success of user
Rate is higher, can illustrate that the strength of user is preferable compared with strong or prestige to a certain extent, therefore, can be according to the historical trading of user
Record determines that it transfers transaction amount to the second account and transfers the time limit.
Specifically, obtain historical transaction record of the second user in the second preset time, calculate second user this
Transaction success rate in two preset times is classified to second user according to transaction success rate, is determined belonging to second user
Class of subscriber transfers transaction funds to the time limit of second account after determining its delisted success.
For example, when transaction success rate of the second user in the second preset time >=60%, judge that the second user is
The first kind in every family, first kind user it is corresponding by transaction funds transfer to the second account when be limited to second user away from it is delisted at
20 days after the time point of work(；When 40%≤transaction success rate ＜ 60% when, judge the second user for the second class user, second
Class user it is corresponding by transaction funds transfer to the second account when be limited to second user away from 15 after delisted successful time point
It；When merchandise success rate ＜ 40% when, judge the second user for third class user, third class user is corresponding by transaction funds
Transfer to the second account when be limited to second user away from 10 days after delisted successful time point.By different to transaction success rate
The different timeliness of user setting, provide longer timeliness for high-quality user, improve the usage experience of user, set for user inferior
Shorter timeliness is set, user inferior is promoted as early as possible to transfer transaction amount to second user, can be evaded to a certain extent bad
The delisted situation of matter user's malice, improves transaction success rate.
Further, from transfer instruction in obtain transfer the time, judge this transfer instruction in whether transfer the time at this
It in the second user owning user classification corresponding default time limit, prescribes a time limit when beyond default, then refuses this and transfer instruction, pause should
Enter handling for golden business, and generate the warning information of preset format, for example, the warning information can be：Number is * * * * * *
The amount of money that enters of domestic assets P transfers the time and has exceeded default realization, asks timely processing.
In other embodiments, exceed the default time limit when this transfers the time that transfers in instruction, calculate and be directed to this time-out
Transfer the delayed repayment interest of the amount of money, and judge this transfer instruct it is corresponding enter the amount of money whether comprising the delayed repayment interest dealt with, if it is not,
Then refuse this and transfer instruction, specific implementation mode does not repeat.When this enters when entering the amount of money and meeting above-mentioned condition of golden business,
In order to ensure fund security and transaction be smoothed out, transaction funds are transferred from the first account to the second account, after transferring successfully,
Enter the corresponding delisted information of golden business for this and steps on center transmission change of registration request to silver, for example, creditor's change of registration, by
Listed side switchs to delisted side, that is, switchs to second user by the first user；Reception silver is stepped on the change of registration that center is sent out and is successfully believed
Breath, enters the corresponding transaction funds of golden business by this and is transferred from the second account to third account, i.e., listed square account.Pass through above-mentioned step
Suddenly, it ensure that fund security in process of exchange, while reasonable management and control carried out to immigration fund.
In other embodiments, overseas investment mechanism A need to carry out its domestic assets P under one's name clear after delisted success
It receives, that is to say, that when the first user is by the delisted overseas investment mechanism A for obtaining domestic assets P, for the overseas investment
Domestic assets P listed mechanism A, another overseas investment mechanism B carry out delisted operation by cross-border transaction system.When it is delisted at
After work(, both sides need to carry out fund and complete a business transaction, and delisted side (overseas investment mechanism B) needs first to transfer transaction funds to the from the first account
Two accounts, then transferred from the second account to third account, i.e., in listed side's (overseas investment mechanism A) account.Due to the process meeting
It is related to fund immigration and fund departure therefore, other than needing to entering the entering amount of money degree and examine of golden business, it is also necessary to right
The amount of money degree that goes out for going out golden business is examined.Specifically, enter the audit step such as change of registration after the examination ＆ approval of amount of money degree and examination ＆ approval with
Above-described embodiment is consistent, is only illustrated herein to going out the examination ＆ approval of amount of money degree.
Go out golden business for the pen, needs to going out amount of money degree (that is, overseas investment mechanism B is directed to the delisted gold of domestic assets P
Volume) it is examined.
Specifically, go out golden business single to this first and go out amount of money degree to examine：Receive going out according to assets cross-border transaction
Golden business, which will go out the amount of money and be transferred from the second account to third account, transfers instruction, wherein transferring instruction includes：To be transferred
Transfer the amount of money (that is, the pen go out golden business it is corresponding go out the amount of money), mark account (that is, second account), cut-in account (that is, the
Three accounts)；Obtain respectively this go out golden business it is corresponding go out amount of money c1 (that is, overseas investment mechanism B being plucked for domestic assets P
The board amount of money) and the domestic assets P it is corresponding enter amount of money d1 (delisted obtain domestic assets P's that is, overseas speculating mechanism A and passing through
The delisted amount of money)；According to this go out the amount of money c1 and domestic assets P it is corresponding enter amount of money d1 calculate this and go out the corresponding list of golden business
Pen goes out golden early warning value K3, for example, K3=(c1-d1), wherein it is that overseas investment mechanism A handles border that the single, which goes out golden early warning value K3,
The income obtained when interior assets P；When single goes out golden early warning value K3 more than third predetermined threshold value, illustrate that listed side passes through border of merchandising
The income that interior assets P is obtained is excessively high, it is understood that there may be therefore certain risk refuses this and transfers instruction, suspend this and go out golden business
It handles, and generates the warning information of preset format, which, which is sent to default audit terminal, carries out respective handling.Example
Such as, which can be：The amount of money that goes out that number is the domestic assets P of * * * * * * has triggered single and goes out amount of money early warning,
It please timely processing.
Further, it when the single goes out golden early warning value K3 less than or equal to third predetermined threshold value, also needs the pen
Golden business is corresponding always to be gone out amount of money degree and is examined：Obtain respectively this go out golden business it is corresponding go out amount of money c1 and second it is default when
Between (for example, the time cycle in 1 year away from current point in time) in gone out golden total amount in second account, by it is described go out gold
The going out of business has gone out golden total amount in amount of money c1 and the second account in the second preset period of time and has been added, and obtains to be analyzed always going out
Amount of money B1；Always go out amount of money A1 according to be analyzed and always go out golden limit M2 with preset, it is corresponding total that golden business is gone out described in calculating
Go out golden early warning value K4, for example, K4=(B1-M2)；When always go out golden early warning value K4 more than four predetermined threshold values when, illustrate by this across
Cross-border transaction that border transaction system is completed is corresponding, and always to go out the amount of money excessive, it is understood that there may be therefore certain risk refuses this stroke
Turn instruction, suspend this and go out handling for golden business, and generate the warning information of preset format, which is sent to default examine
Core terminal carries out respective handling.For example, the warning information can be：Number is that the domestic assets P of * * * * * * has gone out the amount of money
Triggering always goes out amount of money early warning, asks timely processing.
When this goes out when going out the amount of money and meeting above-mentioned condition of golden business, this is gone out into the transaction amount of golden business from the second account
It transfers to third account, i.e., listed square account (account of overseas investment mechanism A).So far, overseas investment mechanism A is for domestic money
The transaction for producing P is completed.
The server 1 that above-described embodiment proposes passes through the fund amount to entering and leaving the border during domestic assets cross-border transaction
It is examined, and early warning is carried out according to approval results, realize effective management and control to fund amount of entering and leaving the border；By being plucked to difference
The setting of board side determines the different funds transfer time limits, avoids transaction risk to a certain extent, promotion fund is completed a business transaction process, carried
Height transaction success rate, promotes customer transaction experience.
Optionally, in other examples, transaction funds early warning program 10 can also be divided into one or more
Module, one or more module are stored in memory 11, and (the present embodiment is processor by one or more processors
12) performed, to complete the present invention, the so-called module of the present invention is the series of computation machine program for referring to complete specific function
Instruction segment.It is the module diagram of transaction funds early warning program 10 in Fig. 1 shown in Fig. 2, in the embodiment, transaction
Fund early warning program 10 can be divided into receiving module 110, computing module 120 and warning module 130, the module 110-
The 130 functions or operations steps realized are similar as above, and and will not be described here in detail, illustratively, such as wherein：
Receiving module 110, for receive according to assets cross-border transaction enter golden business will enter the amount of money from the first account draw
Go to the second account transfers instruction；
Computing module 120, for obtain respectively this enter golden business it is corresponding enter the amount of money and the assets corresponding assets gold
Volume enters the amount of money and the corresponding assets amount of money of the assets according to this, calculates this and enters the corresponding single of golden business and enters golden early warning value；And
Warning module 130, for when the single enters golden early warning value more than the first predetermined threshold value, refusing this and transferring instruction,
And the warning information of preset format is generated, which is sent to default audit terminal.
In addition, the present invention also provides a kind of transaction funds method for early warning.It is that transaction funds of the present invention are pre- with reference to shown in Fig. 3
The flow chart of alarm method preferred embodiment.This method can be executed by server, which can be by software and/or hard
Part is realized.
In the present embodiment, transaction funds method for early warning includes step S1-S3：
Step S1 receives entering golden business and will enter the amount of money and be transferred from the first account to the second account according to assets cross-border transaction
Family transfers instruction；
Step S2, obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, according to this
Enter the amount of money and the corresponding assets amount of money of the assets, calculates this and enter the corresponding single of golden business and enter golden early warning value；And
Step S3 refuses this and transfers instruction, and generate default when the single enters golden early warning value more than the first predetermined threshold value
The warning information is sent to default audit terminal by the warning information of format.
Assets cross-border transaction process includes three parts：Fund after assets are listed, assets are delisted and delisted is completed a business transaction.We
The fund that case only relates to after delisted success completes a business transaction part.For example, domestic financial institution Q is by certain cross-border operation system, to domestic
The listed information of assets P carries out publicity, and overseas investment mechanism A is sent out by the cross-border operation system for domestic assets P delisted
Request, after the delisted successes of overseas investment mechanism A, both sides need to carry out fund and complete a business transaction, that is to say, that delisted side need to be by transaction amount
It is transferred from the first account (account of overseas investment mechanism A) into third account (account of domestic financial institution Q).In order to ensure
Transaction funds are first transferred from the first account to the second account, are waited for as intermediate account by fund security, one the second account of setting
After the completion of assets change, then transaction funds are transferred from the second account into third account.It is cross-border due to being carried out to domestic assets P
When transaction, there are fund entry and exit need to examine entry and exit fund in order to avoid risk that may be present.
In the present embodiment, fund is domestic from overseas flowing into, and therefore, need to enter golden business for the pen, to domestic assets P's
The transaction amount of cross-border transaction is examined.
Specifically, enter golden business single to this first and enter amount of money degree to examine：Receive entering according to assets cross-border transaction
Golden business, which will enter the amount of money and be transferred from the first account to the second account, transfers instruction, wherein transferring instruction includes：To be transferred
Transfer the amount of money (that is, the pen enter golden business it is corresponding enter the amount of money), mark account (that is, first account), cut-in account (that is, the
Two accounts) and transfer the time；Obtain respectively this enter golden business it is corresponding enter amount of money a1 (that is, for domestic assets P delisted gold
Volume) and the corresponding assets amount of money b1 of assets P (for example, it may be amount of the loan of the domestic assets P mortgage)；According to entering Jin Jin
The volume a1 and corresponding assets amount of money b1 of domestic assets P, calculates the pen and enters the corresponding single of golden business and enter golden early warning value K1, for example,
K1=(b1-a1), wherein K1 refers to the income that listed side (domestic financial institution Q) is obtained by the domestic assets P that merchandises；When this
When single enters golden early warning value K1 more than the first predetermined threshold value, illustrate that listed side is excessively high by the income that domestic assets P is obtained of merchandising,
There may be certain risks, therefore, refuse this and transfer instruction, suspend this and enter handling for golden business, and generate preset format
The warning information is sent to default audit terminal and carries out respective handling by warning information.For example, the warning information can be：It compiles
It number has triggered single for the amount of money that enters of the domestic assets P of * * * * * * and enters amount of money early warning, asked timely processing.
Further, it when the single enters golden early warning value K1 less than or equal to the first predetermined threshold value, also needs to enter the pen
Golden business is corresponding always to be entered amount of money degree and is examined：Obtain respectively this enter golden business it is corresponding enter amount of money a1 and first it is default when
Between (for example, the time cycle in 1 year away from current point in time) in entered golden total amount in second account, this is entered into Jin Jin
Enter golden total amount addition calculation in volume a1 and the second account to obtain to be analyzed always entering amount of money A1；To be analyzed always enter gold according to this
Amount of money A1 always enters golden limit M1 with preset, calculates this and enters that golden business is corresponding always to enter golden early warning value K2, for example, K2=(A1-
M1)；When this always enters golden early warning value K2 more than the second predetermined threshold value, illustrate the cross-border transaction completed by the cross-border transaction system
Corresponding always to enter the amount of money excessive, it is understood that there may be therefore certain risk refuses this and transfers instruction, suspend this and enter golden business
It handles, and generates the warning information of preset format, which, which is sent to default audit terminal, carries out respective handling.Example
Such as, which can be：The amount of money that enters that number is the domestic assets P of * * * * * * has triggered and always enters amount of money early warning, asks
Timely processing.
It is understood that the cross-border transaction success of assets P, not only will consider whether its transaction amount conforms to
It asks, while also needing to consider whether its funds transfer time meets the requirements.It should be noted that if the historical trading success of user
Rate is higher, can illustrate that the strength of user is preferable compared with strong or prestige to a certain extent, therefore, can be according to the historical trading of user
Record determines that it transfers transaction amount to the second account and transfers the time limit.
Specifically, obtain historical transaction record of the second user in the second preset time, calculate second user this
Transaction success rate in two preset times is classified to second user according to transaction success rate, is determined belonging to second user
Class of subscriber transfers transaction funds to the time limit of second account after determining its delisted success.
For example, when transaction success rate of the second user in the second preset time >=60%, judge that the second user is
The first kind in every family, first kind user it is corresponding by transaction funds transfer to the second account when be limited to second user away from it is delisted at
20 days after the time point of work(；When 40%≤transaction success rate ＜ 60% when, judge the second user for the second class user, second
Class user it is corresponding by transaction funds transfer to the second account when be limited to second user away from 15 after delisted successful time point
It；When merchandise success rate ＜ 40% when, judge the second user for third class user, third class user is corresponding by transaction funds
Transfer to the second account when be limited to second user away from 10 days after delisted successful time point.By different to transaction success rate
The different timeliness of user setting, provide longer timeliness for high-quality user, improve the usage experience of user, set for user inferior
Shorter timeliness is set, user inferior is promoted as early as possible to transfer transaction amount to second user, can be evaded to a certain extent bad
The delisted situation of matter user's malice, improves transaction success rate.
Further, from transfer instruction in obtain transfer the time, judge this transfer instruction in whether transfer the time at this
It in the second user owning user classification corresponding default time limit, prescribes a time limit when beyond default, then refuses this and transfer instruction, pause should
Enter handling for golden business, and generate the warning information of preset format, for example, the warning information can be：Number is * * * * * *
The amount of money that enters of domestic assets P transfers the time and has exceeded default realization, asks timely processing.
In other embodiments, exceed the default time limit when this transfers the time that transfers in instruction, calculate and be directed to this time-out
Transfer the delayed repayment interest of the amount of money, and judge this transfer instruct it is corresponding enter the amount of money whether comprising the delayed repayment interest dealt with, if it is not,
Then refuse this and transfer instruction, specific implementation mode does not repeat.When this enters when entering the amount of money and meeting above-mentioned condition of golden business,
In order to ensure fund security and transaction be smoothed out, transaction funds are transferred from the first account to the second account, after transferring successfully,
Enter the corresponding delisted information of golden business for this and steps on center transmission change of registration request to silver, for example, creditor's change of registration, by
Listed side switchs to delisted side, that is, switchs to second user by the first user；Reception silver is stepped on the change of registration that center is sent out and is successfully believed
Breath, enters the corresponding transaction funds of golden business by this and is transferred from the second account to third account, i.e., listed square account.Pass through above-mentioned step
Suddenly, it ensure that fund security in process of exchange, while reasonable management and control carried out to immigration fund.
In other embodiments, overseas investment mechanism A need to carry out its domestic assets P under one's name clear after delisted success
It receives, that is to say, that when the first user is by the delisted overseas investment mechanism A for obtaining domestic assets P, for the overseas investment
Domestic assets P listed mechanism A, another overseas investment mechanism B carry out delisted operation by cross-border transaction system.When it is delisted at
After work(, both sides need to carry out fund and complete a business transaction, and delisted side (overseas investment mechanism B) needs first to transfer transaction funds to the from the first account
Two accounts, then transferred from the second account to third account, i.e., in listed side's (overseas investment mechanism A) account.Due to the process meeting
It is related to fund immigration and fund departure therefore, other than needing to entering the entering amount of money degree and examine of golden business, it is also necessary to right
The amount of money degree that goes out for going out golden business is examined.Specifically, enter the audit step such as change of registration after the examination ＆ approval of amount of money degree and examination ＆ approval with
Above-described embodiment is consistent, is only illustrated herein to going out the examination ＆ approval of amount of money degree.
Go out golden business for the pen, needs to going out amount of money degree (that is, overseas investment mechanism B is directed to the delisted gold of domestic assets P
Volume) it is examined.
Specifically, go out golden business single to this first and go out amount of money degree to examine：Receive going out according to assets cross-border transaction
Golden business, which will go out the amount of money and be transferred from the second account to third account, transfers instruction, wherein transferring instruction includes：To be transferred
Transfer the amount of money (that is, the pen go out golden business it is corresponding go out the amount of money), mark account (that is, second account), cut-in account (that is, the
Three accounts)；Obtain respectively this go out golden business it is corresponding go out amount of money c1 (that is, overseas investment mechanism B being plucked for domestic assets P
The board amount of money) and the domestic assets P it is corresponding enter amount of money d1 (delisted obtain domestic assets P's that is, overseas speculating mechanism A and passing through
The delisted amount of money)；According to this go out the amount of money c1 and domestic assets P it is corresponding enter amount of money d1 calculate this and go out the corresponding list of golden business
Pen goes out golden early warning value K3, for example, K3=(c1-d1), wherein it is that overseas investment mechanism A handles border that the single, which goes out golden early warning value K3,
The income obtained when interior assets P；When single goes out golden early warning value K3 more than third predetermined threshold value, illustrate that listed side passes through border of merchandising
The income that interior assets P is obtained is excessively high, it is understood that there may be therefore certain risk refuses this and transfers instruction, suspend this and go out golden business
It handles, and generates the warning information of preset format, which, which is sent to default audit terminal, carries out respective handling.Example
Such as, which can be：Number is that the amount of money that goes out of the non-performing asset of * * * * * * has triggered single and goes out amount of money early warning, is asked
Timely processing.
Further, it when the single goes out golden early warning value K3 less than or equal to third predetermined threshold value, also needs the pen
Golden business is corresponding always to be gone out amount of money degree and is examined：Obtain respectively this go out golden business it is corresponding go out amount of money c1 and second it is default when
Between (for example, the time cycle in 1 year away from current point in time) in gone out golden total amount in second account, by it is described go out gold
The going out of business has gone out golden total amount in amount of money c1 and the second account in the second preset period of time and has been added, and obtains to be analyzed always going out
Amount of money B1；Always go out amount of money A1 according to be analyzed and always go out golden limit M2 with preset, it is corresponding total that golden business is gone out described in calculating
Go out golden early warning value K4, for example, K4=(B1-M2)；When always go out golden early warning value K4 more than four predetermined threshold values when, illustrate by this across
Cross-border transaction that border transaction system is completed is corresponding, and always to go out the amount of money excessive, it is understood that there may be therefore certain risk refuses this stroke
Turn instruction, suspend this and go out handling for golden business, and generate the warning information of preset format, which is sent to default examine
Core terminal carries out respective handling.For example, the warning information can be：Number is that the domestic assets P of * * * * * * has gone out the amount of money
Triggering always goes out amount of money early warning, asks timely processing.
When this goes out when going out the amount of money and meeting above-mentioned condition of golden business, this is gone out into the transaction amount of golden business from the second account
It transfers to third account, i.e., listed square account (account of overseas investment mechanism A).So far, overseas investment mechanism A is for domestic money
The transaction for producing P is completed.
The transaction funds method for early warning that above-described embodiment proposes, by entry and exit during domestic assets cross-border transaction
Fund amount is examined, and carries out early warning according to approval results, realizes effective management and control to fund amount of entering and leaving the border；Pass through
Different delisted sides are arranged and determine the different funds transfer time limits, avoid transaction risk to a certain extent, fund is promoted to hand over
Undercutting journey improves transaction success rate, promotes customer transaction experience.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with transaction funds early warning program 10, following operation is realized when which is executed by processor：
It receives and drawing to the second account is transferred from the first account by the amount of money is entered according to the golden business that enters of assets cross-border transaction
Turn instruction；
Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, the amount of money is entered according to this
And the corresponding assets amount of money of the assets, it calculates this and enters the corresponding single of golden business and enter golden early warning value；And
When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate preset format
The warning information is sent to default audit terminal by warning information.
Computer readable storage medium specific implementation mode of the present invention and each embodiment in above-mentioned transaction funds method for early warning
It is essentially identical, do not make tired state herein.
It should be noted that the embodiments of the present invention are for illustration only, can not represent the quality of embodiment.And
The terms "include", "comprise" herein or any other variant thereof is intended to cover non-exclusive inclusion, so that packet
Process, server, article or the method for including a series of elements include not only those elements, but also include being not explicitly listed
Other element, or further include for this process, server, article or the intrinsic element of method.Not more
In the case of limitation, the element that is limited by sentence "including a ...", it is not excluded that in the process including the element, service
There is also other identical elements in device, article or method.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of transaction funds method for early warning, it is applied to server, which is characterized in that this method includes：
The amount of money will be entered and transfers to the second account from the first account to transfer finger according to the golden business that enters of assets cross-border transaction by receiving
It enables；
Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, according to this enter the amount of money and should
The corresponding assets amount of money of assets, calculates this and enters the corresponding single of golden business and enter golden early warning value；And
When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate the early warning of preset format
The warning information is sent to default audit terminal by information.
2. transaction funds method for early warning as described in claim 1, which is characterized in that this method further includes：
When the single enter golden early warning value less than or equal to the first predetermined threshold value when, obtain respectively this enter golden business it is corresponding enter Jin Jin
Golden total amount is entered in second account in volume and the first preset time, has been calculated and to be analyzed always enters the amount of money；
According to this it is to be analyzed always enter the amount of money and always enter golden limit with preset, calculate this and enter that golden business is corresponding always to enter golden early warning
Value；And
When this always enters golden early warning value more than the second predetermined threshold value, refuse this and transfer instruction, and generates the early warning letter of preset format
Breath, default audit terminal is sent to by the warning information.
3. transaction funds method for early warning as claimed in claim 2, which is characterized in that this method further includes：
It obtains this and transfers in instruction and transfer the time, judge that this is transferred in instruction and whether transfer the time beyond the default time limit；And
When transfer the time preset beyond this when prescribe a time limit, refuse this and transfer instruction, and generate the warning information of preset format, this is pre-
Alert information is sent to default audit terminal.
4. transaction funds method for early warning as claimed in claim 3, which is characterized in that the determination step packet in the default time limit
It includes：
Obtain historical transaction record of the corresponding user of first account in the second preset time, calculate the user this second
Transaction success rate in preset time；
According to transaction success rate and the other correspondence of customer class, client's classification belonging to the user is determined；And
Client's classification belonging to the user determines that this is entered the amount of money and is transferred from first account to second account by the user
The time limit at family.
5. the transaction funds method for early warning as described in claim 1-4, which is characterized in that this method further includes：
It receives and transferring to third account is transferred from the second account by the amount of money is gone out according to the golden business that goes out of the assets cross-border transaction
Instruction；
Obtain respectively this go out golden business it is corresponding go out the amount of money and the assets it is corresponding enter the amount of money, according to this go out the amount of money and should
Assets it is corresponding enter the amount of money, calculate this and go out the corresponding single of golden business and go out golden early warning value；And
When the single goes out golden early warning value more than third predetermined threshold value, refuses this and transfer instruction, and generate the early warning of preset format
The warning information is sent to default audit terminal by information.
6. transaction funds method for early warning as claimed in claim 5, which is characterized in that this method further includes：
When the single go out golden early warning value less than or equal to third predetermined threshold value when, obtain respectively this go out golden business it is corresponding go out Jin Jin
Golden total amount is gone out in second account in volume and the second preset time, has been calculated and to be analyzed always goes out the amount of money；
According to this it is to be analyzed always go out the amount of money and always go out golden limit with preset, calculate this and go out that golden business is corresponding always to go out golden early warning
Value；And
When this always goes out golden early warning value more than four predetermined threshold values, refuse this and transfer instruction, and generates the early warning letter of preset format
Breath, default audit terminal is sent to by the warning information.
7. a kind of server, which is characterized in that the server includes：Memory, processor, being stored on the memory can be
The transaction funds early warning program run on the processor, the program realize following steps when being executed by the processor：
The amount of money will be entered and transfers to the second account from the first account to transfer finger according to the golden business that enters of assets cross-border transaction by receiving
It enables；
Obtain respectively this enter golden business it is corresponding enter the amount of money and the corresponding assets amount of money of the assets, according to this enter the amount of money and should
The corresponding assets amount of money of assets, calculates this and enters the corresponding single of golden business and enter golden early warning value；And
When the single enters golden early warning value more than the first predetermined threshold value, refuses this and transfer instruction, and generate the early warning of preset format
The warning information is sent to default audit terminal by information.
8. server as claimed in claim 7, which is characterized in that also realize following step when the program is executed by the processor
Suddenly：
When the single enter golden early warning value less than or equal to the first predetermined threshold value when, obtain respectively this enter golden business it is corresponding enter Jin Jin
Golden total amount is entered in second account in volume and the first preset time, has been calculated and to be analyzed always enters the amount of money；
According to this it is to be analyzed always enter the amount of money and always enter golden limit with preset, calculate this and enter that golden business is corresponding always to enter golden early warning
Value；And
When this always enters golden early warning value more than the second predetermined threshold value, refuse this and transfer instruction, and generates the early warning letter of preset format
Breath, default audit terminal is sent to by the warning information.
9. server as claimed in claim 8, which is characterized in that also realize following step when the program is executed by the processor
Suddenly：
It obtains this and transfers in instruction and transfer the time, judge that this is transferred in instruction and whether transfer the time beyond the default time limit；And
When transfer the time preset beyond this when prescribe a time limit, refuse this and transfer instruction, and generate the warning information of preset format, this is pre-
Alert information is sent to default audit terminal.
10. a kind of computer readable storage medium, which is characterized in that be stored with transaction money on the computer readable storage medium
Golden early warning program realizes such as the transaction funds according to any one of claims 1 to 6 pre- police when program is executed by processor
The step of method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810123584.XA CN108428174A (en) | 2018-02-07 | 2018-02-07 | Transaction funds method for early warning, server and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810123584.XA CN108428174A (en) | 2018-02-07 | 2018-02-07 | Transaction funds method for early warning, server and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108428174A true CN108428174A (en) | 2018-08-21 |
Family
ID=63156766
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810123584.XA Pending CN108428174A (en) | 2018-02-07 | 2018-02-07 | Transaction funds method for early warning, server and storage medium |
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| Country | Link |
|---|---|
| CN (1) | CN108428174A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111127023A (en) * | 2018-10-30 | 2020-05-08 | 腾讯科技（深圳）有限公司 | Asset information processing method, device and equipment |
| CN112581284A (en) * | 2020-12-28 | 2021-03-30 | 深圳海付移通科技有限公司 | Method, system, computer device and storage medium for processing resource transfer data |
-
2018
- 2018-02-07 CN CN201810123584.XA patent/CN108428174A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111127023A (en) * | 2018-10-30 | 2020-05-08 | 腾讯科技（深圳）有限公司 | Asset information processing method, device and equipment |
| CN112581284A (en) * | 2020-12-28 | 2021-03-30 | 深圳海付移通科技有限公司 | Method, system, computer device and storage medium for processing resource transfer data |
| CN112581284B (en) * | 2020-12-28 | 2024-05-03 | 深圳海付移通科技有限公司 | Method, system, computer equipment and storage medium for processing resource transfer data |
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Application publication date: 20180821 |