CN115797088A - User account transfer method and device, electronic equipment and readable storage medium - Google Patents
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Abstract
The application provides a user account transfer method, a user account transfer device, electronic equipment and a readable storage medium, wherein the method comprises the following steps: constructing a target group tree structure according to the user level relation between the superior user and the subordinate user of each user in the target group; receiving a fund flow request sent by a source node in a target group tree structure, wherein the fund flow request comprises a flow type, a flow amount and a flow node; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path. The method and the device solve the technical problem of disordered account bookkeeping of the target group in the prior art, and achieve the technical effect of improving the definition of the target group accounts and each user account of the target group.
Description
Technical Field
The application relates to the technical field of finance, in particular to a user account transferring method and device, electronic equipment and a readable storage medium.
Background
In the prior art, financial accounts of different companies are managed singly. However, a group situation that one main company flag includes a plurality of sub-companies exists, financial requirements such as transfer or group internal consolidated interest and the like exist between any two companies in the group, and the transfer can be performed between any two companies in the group, so that the technical problem that the whole account of the group is disturbed in account is easily caused.
Disclosure of Invention
In view of the above, an object of the present application is to provide at least a method, an apparatus, an electronic device and a readable storage medium for transferring money for a user, in which a target group tree structure is constructed, so that when a fund flow is performed between any nodes of the target group tree structure, a corresponding account of a node is updated in the target group tree structure, thereby solving a technical problem of confusion of account keeping of a target group in the prior art, and achieving a technical effect of improving definition of the target group account and each user account of the target group.
The application mainly comprises the following aspects:
in a first aspect, an embodiment of the present application provides a user account transfer method, where the user account transfer method includes: constructing a target group tree structure according to the user level relation between the superior user and the subordinate user of each user in the target group, wherein each node of the target group tree structure corresponds to one user of the target group; receiving a fund flow request sent by a source node in a target group tree structure, wherein the fund flow request comprises a flow type, a flow amount and a flow node, and the source node is any one node in the target group tree structure; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path.
Optionally, constructing a target community tree structure according to a user level relationship between an upper level user and a lower level user of each user in the target community, including: determining the user level relation between the superior user and the subordinate user of each user in the target group; aiming at each user in a target group, taking a node corresponding to a superior user of the user as a father node of the node corresponding to the user, and taking a node corresponding to a subordinate user of the user as a child node of the node corresponding to the user; and combining the father node and the child node of the node corresponding to each user to obtain a target group tree structure.
Optionally, determining a circulation path according to positions of the source node and the circulation node in the target community tree structure, including: and in the target community tree structure, determining a circulation path according to the connection relation between the source node and the circulation node.
Optionally, the circulation type includes collection and dial-down; each node in the target community tree structure corresponding to an account includes an account balance; transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path, wherein the transferring method comprises the following steps: determining the type of circulation to be collection or dialing down; if the transfer type is the aggregation, extracting the transfer amount from the account balance of the account corresponding to the transfer node, and transferring the transfer amount to the account balance of the account corresponding to the source node step by step in the transfer path; if the transfer type is dialing down, extracting the transfer amount from the account balance of the account corresponding to the source node, and transferring the transfer amount to the account balance of the account corresponding to the transfer node step by step in the transfer path.
Optionally, the account corresponding to each node in the target community tree structure further includes: the account type and the virtual balance are summarized and the entity balance is summarized; the method further comprises the following steps: determining end points as target nodes and target paths of root nodes in the target group tree structure according to the positions of the target nodes in the target group tree structure; the target node is a node with a changed account balance in the target community tree structure; updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node; the account type is used for describing whether the corresponding account of the node is a virtual account.
Optionally, the account types include virtual accounts and physical accounts; according to the account type and the target path, updating the virtual balance summary or the entity balance summary of the accounts corresponding to other nodes except the target node in the target path, wherein the updating comprises the following steps: determining the account type of the target node as a virtual account or an entity account; if the account type of the target node is a virtual account, updating the virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance; and if the account type of the target node is an entity account, updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance.
Optionally, the method further comprises: determining whether the interest-bearing mode of the target group is merged; if the interest mode of the target group is combined, adding the account balance of each node in the target group tree structure to obtain the total balance of the target group; merging the total balance to obtain total interest; and (4) comparing the account balance of each node with the total balance, and multiplying the ratio by the total interest of the target group to correspondingly obtain the node interest of the node.
In a second aspect, an embodiment of the present application further provides a user transfer apparatus, where the user transfer apparatus includes: the system comprises a receiving module, a sending module and a sending module, wherein the receiving module is used for receiving a fund flow request sent by a source node in a target group tree structure, and the fund flow request comprises a flow type, a flow amount and a flow node; each node of the target community tree structure corresponds to a user of the target community; the source node is any one node in the target community tree structure; the first determining module is used for determining a circulation path according to the positions of the source node and the circulation node in the target community tree structure; and the transfer module is used for transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node according to the transfer type and the transfer path, or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node.
In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor, a memory and a bus, the memory storing processor-executable machine-readable instructions, the processor and the memory communicating via the bus when the electronic device is operated, the machine-readable instructions being executable by the processor to perform the steps of the method of transferring user funds as described above in the first aspect or any one of the possible embodiments of the first aspect.
In a fourth aspect, this application further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to perform the steps of transferring money for a user in the first aspect or any one of the possible implementation manners of the first aspect.
The embodiment of the application provides a user account transfer method, a user account transfer device, electronic equipment and a readable storage medium, wherein the method comprises the following steps: receiving a fund flow request sent by a source node in a target group tree structure, wherein the fund flow request comprises a flow type, a flow amount and a flow node; each node of the target community tree structure corresponds to a user of the target community; the source node is any one node in the target community tree structure; determining a circulation path according to the positions of the source node and the circulation node in the target group tree structure; and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path. According to the method and the device, the target group tree structure is built, so that when fund transfer is carried out between any nodes of the target group tree structure, accounts corresponding to the nodes are updated in the target group tree structure, the technical problem that accounts of a target group are booked disorderly in the prior art is solved, and the technical effect of improving the definition of the target group accounts and each user account of the target group is achieved.
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained from the drawings without inventive effort.
Fig. 1 shows a flowchart of a user transfer method provided in an embodiment of the present application.
Fig. 2 is a schematic diagram illustrating a target community tree structure provided in an embodiment of the present application.
Fig. 3 shows one of the schematic diagrams of the account corresponding to each node in the target community tree structure provided by the embodiment of the present application.
Fig. 4 shows a second schematic diagram of an account corresponding to each node in the target community tree structure provided by the embodiment of the present application.
Fig. 5 is a functional block diagram illustrating a user transfer apparatus according to an embodiment of the present application.
Fig. 6 shows a schematic structural diagram of an electronic device provided in an embodiment of the present application.
Detailed Description
To make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it should be understood that the drawings in the present application are for illustrative and descriptive purposes only and are not used to limit the scope of protection of the present application. Additionally, it should be understood that the schematic drawings are not necessarily drawn to scale. The flowcharts used in this application illustrate operations implemented according to some embodiments of the present application. It should be understood that the operations of the flow diagrams may be performed out of order, and that steps without logical context may be performed in reverse order or concurrently. One skilled in the art, under the guidance of this application, may add one or more other operations to, or remove one or more operations from, the flowchart.
In addition, the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be obtained by a person skilled in the art without making any inventive step based on the embodiments of the present application, fall within the scope of protection of the present application.
In the prior art, the accounts of all companies in a group are singly managed, and when fund transfer is carried out among the companies, only the account corresponding to the company carrying out the fund transfer is separately accounted, so that the technical problem of disordered account accounting of the group is caused.
Based on this, the embodiment of the application provides a user transfer method, and a target group tree structure is constructed, so that when fund transfer is performed between any nodes of the target group tree structure, corresponding accounts of the nodes are updated in the target group tree structure, the technical problem of disordered account keeping of a target group in the prior art is solved, and the technical effect of improving the definition of the target group accounts and each user account of the target group is achieved. The method comprises the following specific steps:
referring to fig. 1, fig. 1 is a flowchart illustrating a user transfer method according to an embodiment of the present disclosure. The user account transfer method provided by the embodiment of the application is applied to a bank server. As shown in fig. 1, the user transfer method provided in the embodiment of the present application includes the following steps:
s101: and constructing a target group tree structure according to the user level relation between the superior user and the subordinate user of each user in the target group.
According to the user level relation between the superior user and the subordinate user of each user in the target group, a target group tree structure is constructed, which comprises the following steps: determining the user level relation between the superior user and the subordinate user of each user in the target group; aiming at each user in a target group, taking a node corresponding to a superior user of the user as a father node of a node corresponding to the user, and taking a node corresponding to a subordinate user of the user as a child node of the node corresponding to the user; and combining the father node and the child node of the node corresponding to each user to obtain a target group tree structure.
The user level relation between the superior user and the subordinate user of each user in the target group is preset. The user level relationship is for each user of the target community, the user is subordinate to the user at a higher level, and the user at a lower level is subordinate to the user. Each node of the target community tree structure corresponds to a user of the target community.
That is, the bank server constructs a target group tree structure according to the preset user level relationship between the superior user and the subordinate user of each user in the target group.
For example, please refer to fig. 2, fig. 2 is a schematic diagram of a target community tree structure according to an embodiment of the present application. If the target group is a group A, the group A comprises a head office, the lower companies of the head office are a first-level subsidiary, a second-level subsidiary and a third-level subsidiary, the lower companies of the first-level subsidiary are a first second-level subsidiary, the lower companies of the second-level subsidiary comprise a second-level subsidiary and a third-level subsidiary, and the third-level subsidiary has no lower company. As shown in fig. 2, a root node 1 in a target community tree structure of a group a is constructed to correspond to a head office; the root node 1 comprises child nodes 2 to 4 which respectively correspond to a first-level subsidiary company, a second-level subsidiary company and a third-level subsidiary company; child node 2 contains grandchild node 5 corresponding to the first second-level subsidiary; the child node 3 includes a grandchild node 6 corresponding to the second-level subsidiary company and a grandchild node 7 corresponding to the third-level subsidiary company; child node 4 has no grandchild nodes.
S102: and receiving a fund flow request sent by a source node in the target community tree structure, wherein the fund flow request comprises a flow type, a flow amount and a flow node.
The source node is any one node in the target community tree structure.
That is, one user of the target community corresponds to one node of the target community tree structure, and the root node of the target community tree structure is the general account of the target community. The target group may be considered a clique and a user of the target group may be understood as a company within the clique.
The number of the circulation nodes may be one or more. That is, the source node may send a fund transfer request to one transfer node, or may send fund transfer requests to a plurality of transfer nodes, respectively.
Illustratively, if a head office needs to realize fund transfer with a second-level subsidiary company in a group a, the head office sends a fund transfer request containing a transfer type, a transfer amount and the second-level subsidiary company to a bank server through a bank client, a node corresponding to the head office is a source node, a node corresponding to the second-level subsidiary company is a transfer node, and the bank server receives the fund transfer request sent by the source node and determines the transfer type, the transfer amount and the transfer node in the fund transfer request.
S103: and determining a circulation path according to the positions of the source node and the circulation node in the target community tree structure.
Determining a circulation path according to the positions of the source node and the circulation node in the target community tree structure, wherein the method comprises the following steps: and in the target community tree structure, determining a circulation path according to the connection relation between the source node and the circulation node.
The flow path does not include a path direction, that is, the flow path does not consider from the source node to the flow node or from the flow node to the source node. Any node in the target group tree structure is only connected with the node at the next layer of the node and/or connected with the node at the previous layer of the node, so that two nodes are determined in the target group tree structure, and only one path can be constructed according to the connection relation between the two nodes.
For example, as shown in fig. 2, if the source node is the root node 1 corresponding to the head office, and the circulation node is the grandchild node 6 corresponding to the second-level child company, the bank server determines that the circulation path is the root node 1, the child node 3, and the grandchild node 6.
S104: and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path.
The circulation type comprises collection and dialing down; each node in the target community tree structure corresponds to an account including an account balance. The account balance refers to the self balance of the corresponding account of the node, regardless of the child nodes of the node.
The circulation type comprises collection and dialing-down, wherein the collection refers to the transfer of a subordinate user to a superior user of the user, the dialing-down refers to the transfer of a superior user to a subordinate user of the user, and therefore the user does not need to be connected with the user at the same level of the user in the process of constructing the target community tree structure, and the user only needs to be connected with the superior user of the user and the subordinate user of the user respectively.
Transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path, wherein the transferring method comprises the following steps: determining the type of circulation to be collection or dialing down; if the transfer type is the aggregation, extracting the transfer amount from the account balance of the account corresponding to the transfer node, and transferring the transfer amount to the account balance of the account corresponding to the source node step by step in the transfer path; if the transfer type is dialing down, extracting the transfer amount from the account balance of the account corresponding to the source node, and transferring the transfer amount to the account balance of the account corresponding to the transfer node step by step in the transfer path.
That is, if the transfer type is aggregation, the fund transfer request sent by the source node may be that the transfer node aggregates the transfer amount to the source node, at this time, the transfer node is a fund outgoing node, and the source node is a fund incoming node; if the transfer type is dial-down, the fund transfer request sent by the source node may be that the source node dials down the transfer amount to the transfer node, at this time, the source node is a fund outflow node, and the transfer node is a fund inflow node.
The determination mode of the circulation amount comprises the following steps: complementing according to the proportion, the fixed amount, the full amount and the reserved difference; the proportional method includes that the preset proportion of the fund outflow node is multiplied by the account balance of the fund outflow node to obtain a transfer amount; the fixed amount refers to taking the fixed amount as a circulation amount; the full amount refers to the account balance of the fund flow-out node as the transfer amount; the balance complement refers to that if the account balance of the fund inflow node is less than or equal to the preset retained amount of the fund inflow node, the difference value between the preset retained amount and the account balance of the fund inflow node is used as a transfer amount; if the account balance of the fund inflow node is greater than or equal to the preset reserved amount, the transfer amount may be set to 0 and the part of the account balance of the fund inflow node greater than the preset reserved amount is collected to the fund outflow node.
For example, as shown in fig. 2, if the head office needs the collection and transfer amount of the second-level subsidiary company in group a, the head office sends a fund transfer request including the collection, the transfer amount and the second-level subsidiary company to the bank server through the bank client, and the bank server receives the fund transfer request. The bank server is a root node 1 according to the source node, the transfer node is a grandchild node 6, and only the only transfer path can be determined to be the root node 1, the child node 3 and the grandchild node 6; because the circulation type is collection, the circulation amount is extracted from the account balance of the account corresponding to the grandchild node 6, the circulation amount is firstly transferred to the account balance of the account corresponding to the child node 3, and then the circulation amount is transferred to the account balance of the account corresponding to the root node 1 from the account balance of the account corresponding to the child node 3, namely the circulation direction in the circulation path is set to be the grandchild node 6 → the child node 3 → the root node 1, so that the second-level subsidiary company collects the circulation amount to the head company. If the head office needs to dial down the transfer amount to the second secondary subsidiary company in the group A, the head office sends a fund transfer request containing the dial-down amount, the transfer amount and the second secondary subsidiary company to the bank server through the bank client, and the bank server receives the fund transfer request. Because the transfer type is dial-down, the transfer amount is extracted from the account balance of the account corresponding to the root node 1, the transfer amount is transferred to the account balance of the account corresponding to the child node 3, and then the transfer amount is transferred from the account balance of the account corresponding to the child node 3 to the account balance of the account corresponding to the grandchild node 6, namely, the transfer direction in the transfer path is set to be the root node 1 → the child node 3 → the grandchild node 6, so that the transfer amount is dialed down from the general company to the second-level subsidiary company.
Each node-corresponding account in the target community tree structure further comprises: the account type, virtual balance are summarized and the entity balance is summarized. The account type is used for describing whether the corresponding account of the node is a virtual account, and the account type comprises a virtual account and an entity account. For each node, the virtual balance collection of the node is the sum of the virtual balance collection of the child node of the node and the account balance of the child node of which the account type is a virtual account in the child node of the node; the entity balance sum of the node is the sum of the entity balance sum of the sub-node of the node and the account balance of the sub-node of which the account type is the entity account.
That is, the virtual balance summary and the entity balance summary of the account corresponding to the leaf node in the target community tree structure are necessarily 0.
The method further comprises the following steps: determining the end points as target nodes and target paths of root nodes in the target group tree structure according to the positions of the target nodes in the target group tree structure; the target node is a node with a changed account balance in the target community tree structure; and updating the virtual balance summary or the entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node.
In practical applications, the account balance of the account corresponding to each node is changed not only by transferring funds to the node through other nodes in the target community tree structure, but also by transferring funds to the node through other users who do not belong to the target community tree structure, and at this time, the account balance of the account corresponding to the node is also changed. The target node is a node in which the account balance changes in the target group tree structure, and is not limited to the source node and the transfer node that execute the fund transfer request.
For example, as shown in fig. 2, if the target node is a grandchild node 5, the target paths with the end points being root node 1 and grandchild path 5 being grandchild node 5-child node 2-root node 1 are constructed, and the virtual balance summary or the entity balance summary of the accounts corresponding to child node 2 and root node 1 is updated according to the account type of grandchild node 5.
According to the account type and the target path, updating the virtual balance summary or the entity balance summary of the accounts corresponding to other nodes except the target node in the target path, wherein the updating comprises the following steps: determining the account type of the target node as a virtual account or an entity account; if the account type of the target node is a virtual account, updating the virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance; and if the account type of the target node is an entity account, updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance.
For example, referring to fig. 3, fig. 3 is one of schematic diagrams of an account corresponding to each node in a target community tree structure according to an embodiment of the present application. As shown in FIG. 3, if FIG. 3 is the target group tree structure of the group B, the node numbers are B00-N01, B00-N02, B00-N03, B00-N04, B00-N05, B00-N06, B00-N07, and B00-N08, respectively. The account types of B00-N01, B00-N02, B00-N04 and B00-N05 are virtual accounts, and the account types of B00-N03, B00-N06, B00-N07 and B00-N08 are entity accounts; the account balance of B00-N01 is 3000, the virtual balance is 200, the entity balance is 500, the account balance of B00-N02 is 100, the virtual balance is 100, the entity balance is 300, the account balance of B00-N03 is 100, the virtual balance is 0, the entity balance is 100, the account balance of B00-N04 is 100, the virtual balance is 0, the entity balance is 0, the account balance of B00-N05 is 100, the virtual balance is 0, the entity balance is 200, the account balance of B00-N06 is 100, the virtual balance is 0, the entity balance is 0, the account balance of B00-N07 is 100, the virtual balance is 0, the entity balance is 0, the account balance of B00-N08 is 100, the virtual balance is 0, and the entity balance is 0.
For example, referring to fig. 4, fig. 4 shows a second schematic diagram of an account corresponding to each node in the target community tree structure provided by the embodiment of the present application. If the account balance of B00-N07 is increased by 200, because the account type of B00-N07 is an entity account, constructing a target path with end points of B00-N07 and B00-N01 as B00-N07-B00-N05-B00-N02-B00-N01, and adding 200 to the summary of the entity balances of B00-N05, B00-N02 and B00-N01.
The method further comprises the following steps: determining whether the interest-bearing mode of the target group is merged; if the interest mode of the target group is combined, adding the account balance of each node in the target group tree structure to obtain the total balance of the target group; merging the total balance to obtain total interest; and comparing the account balance of each node with the total balance, and multiplying the ratio by the total interest of the target group to obtain the node interest of the node correspondingly.
After determining whether the interest mode of the target group is merged, the method further comprises: if the interest mode of the target group is combined, determining a preset node in the target group tree structure, carrying out combined interest on the target group through the preset node, namely receiving account balances of other nodes except the preset node in the target group tree structure, and issuing the node interest of the other nodes except the preset node according to the proportion. The preset node may be any node in the target community tree structure, or the preset node may be a node specifically set to be parallel to the root node, as shown in fig. 4, which is B00-N00. Generally, in the case that the account type of the account corresponding to the root node of the target community tree structure is an entity account, the root node is determined as a preset node in the target community tree structure.
The preset node can also be used as a collection node preset by the target group tree structure and used for collecting funds of unspecified funds inflow nodes, and then the funds are firstly downwards moved to the root node and then downwards moved to the specified funds inflow nodes through the root node in the target group tree structure to clear the funds. And the number of nodes of the target community tree structure is increased by 1 every time one user is added to the target community.
After determining whether the interest mode of the target group is merged interest, the method further comprises the following steps: if the interest mode of the target group is not the combined interest, each node in the target group tree structure independently takes the information.
The target community tree structure also corresponds to a target community subscription table, and the target community subscription table comprises: the system comprises parameters such as a target group tree structure number, a target group name, an account type of each node of a target group tree structure, a target group application scene, a circulation type, an account balance insufficiency processing mode, a preset node and the like, wherein each parameter comprises corresponding parameter content and parameter description. Referring to table 1, table 1 is a target group subscription table provided in the embodiment of the present application.
Table 1:
if the signing state of the target group is signing, the target group signing table further comprises parameters such as a signing mechanism, a signing teller, a signing authorizer, a signing date and a signing serial number; if the contract status of the target group is contract, the target group contract table further includes parameters such as contract-releasing organization, contract-releasing teller, contract-releasing authorizer, contract-releasing date, contract-releasing serial number, etc.
Each node in the target community tree structure further corresponds to a node description table, please refer to table 2, where table 2 is a node description table of B00-N02 provided in the embodiments of the present application.
Table 2:
if the signing state of the current node is signing, the node description table of the current node further comprises parameters such as a signing mechanism, a signing teller, a signing authorizer, a signing date and a signing serial number; if the contract signing state of the current node is the contract, the node description of the current node further comprises parameters such as a contract opening mechanism, a contract opening teller, a contract opening authorizer, a contract opening date, a contract opening serial number and the like.
The node specification table of the current node may further include: the client name of the current node, the client account of the current node and other parameters; if the current node is a preset node, the node description table of the current node may further include: interest rate number, proportion/interest of each node, etc.
For each fund flow request, the source node and the flow node corresponding to the fund flow request register the fund flow. For example, if the source node corresponding to the fund flow request is B00-N01 and the transfer node is B00-N02, the transfer type is dial-down, and the transfer amount is 100, the fund flow registration table of the source node B00-N01 of the fund flow request is shown in table 3.
Table 3:
the funds transfer registry may further include: the system comprises parameters such as a summary code, a summary, a transaction mechanism, a transaction teller, an authorized teller, a transaction date, a transaction time, a teller serial number and the like.
If the source node in the target group tree structure performs fund transfer to other target group tree structures, the source node may also record an out-of-group fund transfer registration form similar to the fund transfer registration form of table 3, where the out-of-group fund transfer registration form includes: the system comprises a target group tree structure number corresponding to a client, a node number corresponding to a node of the client, a bank where an account corresponding to the client is located (if the account corresponding to the client and an account corresponding to a source node belong to different banks, the bank is registered), a client product name (if the account corresponding to the client and the account corresponding to the source node are registered when the client product is purchased, an abstract code, an abstract, a transaction mechanism, a transaction teller, an authorized teller, a transaction date, transaction time, a teller serial number and other parameters.
Based on the same application concept, a user transfer device corresponding to the user transfer method provided by the embodiment is further provided in the embodiment of the application, and as the principle of solving the problem of the device in the embodiment of the application is similar to the user transfer method provided by the embodiment of the application, the implementation of the device can refer to the implementation of the method, and repeated parts are not described again.
As shown in fig. 5, fig. 5 is a functional block diagram of a user transfer apparatus according to an embodiment of the present application, and the user transfer apparatus 10 includes: a receiving module 101, a first determining module 102 and a transfer module 103. The system comprises a receiving module 101, a sending module and a sending module, wherein the receiving module 101 is used for receiving a fund flow request sent by a source node in a target group tree structure, and the fund flow request comprises a flow type, a flow amount and a flow node; each node of the target community tree structure corresponds to a user of the target community; the source node is any one node in the target community tree structure; a first determining module 102, configured to determine a circulation path according to positions of a source node and a circulation node in a target community tree structure; and the transfer module 103 is used for transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node according to the transfer type and the transfer path, or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node.
The user transfer apparatus further includes: the second determining module is used for determining the superior user and the inferior user of each user in the target group; and the third determining module is used for taking the node corresponding to the superior user of the user as a father node of the node corresponding to the user, and taking the node corresponding to the inferior user of the user as a child node of the node corresponding to the user to obtain the target community tree structure.
The first determining module is further configured to use, as the circulation path, a path whose end points are the source node and the circulation node in the target community tree structure.
The circulation type comprises collection and dialing down; each node in the target community tree structure corresponding to an account includes an account balance; the transfer module further comprises: the fourth determining module is used for determining the type of the circulation to be collection or dialing down; the first transfer sub-module is used for extracting the transfer amount from the account balance of the account corresponding to the transfer node if the transfer type is the aggregation, and transferring the transfer amount into the account balance of the account corresponding to the source node step by step in the transfer path; and the second transfer sub-module is used for extracting the transfer amount from the account balance of the account corresponding to the source node if the transfer type is downward transfer, and transferring the transfer amount to the account balance of the account corresponding to the transfer node step by step in the transfer path.
The account corresponding to each node in the target community tree structure further comprises: the account type and the virtual balance are collected and the entity balance is collected; the user transfer apparatus further includes: a fifth determining module, configured to determine, according to a position of the target node in the target community tree structure, a target path whose end point is the target node and a root node in the target community tree structure; the target node is a node with a changed account balance in the target community tree structure; the updating module is used for updating virtual balance summary or entity balance summary of accounts corresponding to other nodes except the target node in the target path according to the account type and the target path of the target node; the account type is used for describing whether the corresponding account of the node is a virtual account.
The account types comprise a virtual account and an entity account; according to the account type and the target path, the updating module further comprises: a sixth determining module, configured to determine that the account type of the target node is a virtual account or an entity account; the first updating submodule is used for updating the virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance if the account type of the target node is a virtual account; and the second updating submodule is used for updating the entity balance summary of other nodes except the target node in the target path according to the change value of the account balance if the account type of the target node is the entity account.
The user transfer apparatus further includes: a seventh determining module, configured to determine whether an interest mode of the target group is merged interest; the eighth determining module is used for adding the account balances of each node in the target group tree structure to obtain the total balance of the target group if the interest mode of the target group is combined interest; the interest accounting module is used for merging the total balance to obtain the total interest; and the node interest determination module is used for comparing the account balance of each node with the total balance and multiplying the ratio by the total interest of the target group to correspondingly obtain the node interest of the node.
Based on the same application concept, referring to fig. 6, a schematic structural diagram of an electronic device provided in an embodiment of the present application is shown, where the electronic device 20 includes: a processor 201, a memory 202 and a bus 203, the memory 202 storing machine readable instructions executable by the processor 201, the processor 201 and the memory 202 communicating via the bus 203 when the electronic device 20 is in operation, the machine readable instructions being executable by the processor 201 to perform the steps of the user transfer method as in any one of the above embodiments.
In particular, the machine readable instructions, when executed by the processor 201, may perform the following: receiving a fund flow request sent by a source node in a target community tree structure, wherein the fund flow request comprises a flow type, a flow amount and a flow node; each node of the target community tree structure corresponds to a user of a target community; the source node is any one node in the target community tree structure; determining a circulation path according to the positions of the source node and the circulation node in the target community tree structure; and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path.
Based on the same application concept, the embodiment of the application also provides a computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the steps of the user transfer method provided by the embodiment are executed.
Specifically, the storage medium can be a general storage medium, such as a mobile disk, a hard disk, or the like, when a computer program on the storage medium is run, the user transfer method can be executed, and the target group tree structure is constructed, so that when fund transfer is performed between any nodes of the target group tree structure, accounts corresponding to the nodes are updated in the target group tree structure, the technical problem of confusion of account keeping of a target group in the prior art is solved, and the technical effect of improving the definition of the target group account and each user account of the target group is achieved.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the system and the apparatus described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one position, or may be distributed on multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer-readable storage medium executable by a processor. Based on such understanding, the technical solutions of the present application, which are essential or part of the technical solutions contributing to the prior art, may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, an optical disk, or other various media capable of storing program codes.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily think of the changes or substitutions within the technical scope of the present application, and shall cover the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A user money transfer method, wherein the user money transfer method comprises:
constructing a target group tree structure according to the user level relation between the superior user and the subordinate user of each user in a target group, wherein each node of the target group tree structure corresponds to one user of the target group;
receiving a fund flow request sent by a source node in a target group tree structure, wherein the fund flow request comprises a flow type, a flow amount and a flow node, and the source node is any one node in the target group tree structure;
determining a circulation path according to the positions of the source node and the circulation node in the target community tree structure;
and transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node according to the transfer type and the transfer path, or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node.
2. A user transfer method as in claim 1, wherein said constructing a target community tree structure according to user level relationships of superior and inferior users of each user in the target community comprises:
determining the user level relation between the superior user and the subordinate user of each user in the target group;
aiming at each user in the target group, taking a node corresponding to a superior user of the user as a father node of the node corresponding to the user, and taking a node corresponding to a subordinate user of the user as a child node of the node corresponding to the user;
and combining the father node and the child node of the node corresponding to each user to obtain the target community tree structure.
3. A user transfer method as in claim 1, wherein determining a flow path based on the location of the source node and the flow node in the target community tree structure comprises:
and in the target community tree structure, determining a circulation path according to the connection relationship between the source node and the circulation node.
4. A method of transfer as claimed in claim 1, wherein each node in the target community tree structure corresponds to an account including an account balance;
the transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path includes:
determining the circulation type to be collection or dialing down;
if the transfer type is collection, extracting a transfer amount from the account balance of the account corresponding to the transfer node, and transferring the transfer amount to the account balance of the account corresponding to the source node step by step in the transfer path;
if the transfer type is downward dialing, extracting the transfer amount from the account balance of the account corresponding to the source node, and transferring the transfer amount into the account balance of the account corresponding to the transfer node step by step in the transfer path.
5. A method of transferring money to a user as in claim 4, the method further comprising:
determining end points as the target nodes and target paths of root nodes in the target group tree structure according to the positions of the target nodes in the target group tree structure, wherein the target nodes are nodes with changed account balances in the target group tree structure;
and updating the virtual balance summary or the entity balance summary of the accounts corresponding to the other nodes except the target node in the target path according to the account type of the target node and the target path, wherein the account type is used for describing whether the account corresponding to the node is a virtual account.
6. A user transfer method as claimed in claim 5, wherein the account types include virtual accounts and physical accounts; the updating of the virtual balance summary or the entity balance summary of the account corresponding to the other nodes except the target node in the target path according to the account type and the target path includes:
determining the account type of the target node as a virtual account or an entity account;
if the account type of the target node is a virtual account, updating the virtual balance summary of other nodes except the target node in the target path according to the change value of the account balance;
and if the account type of the target node is an entity account, updating the entity balance summary of the other nodes except the target node in the target path according to the change value of the account balance.
7. A method of transferring money to a user as in claim 4, the method further comprising:
determining whether the interest mode of the target group is merged interest;
if the interest mode of the target group is combined interest, adding the account balances of each node in the target group tree structure to obtain the total balance of the target group;
merging the total balance to obtain total interest;
and respectively comparing the account balance of each node with the total balance, and correspondingly multiplying the ratio with the total interest of the target group to obtain the node interest of the node.
8. A user money transfer apparatus, characterized in that the user money transfer apparatus comprises:
the system comprises a building module, a searching module and a judging module, wherein the building module is used for building a target group tree structure according to the user level relation between the superior user and the subordinate user of each user in a target group, and each node of the target group tree structure corresponds to one user of the target group;
the system comprises a receiving module, a sending module and a sending module, wherein the receiving module is used for receiving a fund flow request sent by a source node in a target group tree structure, the fund flow request comprises a flow type, a flow amount and a flow node, and the source node is any one node in the target group tree structure;
a first determining module, configured to determine a circulation path according to positions of the source node and the circulation node in the target community tree structure;
and the transfer module is used for transferring the transfer amount of the account corresponding to the transfer node to the account corresponding to the source node or transferring the transfer amount of the account corresponding to the source node to the account corresponding to the transfer node according to the transfer type and the transfer path.
9. An electronic device, comprising: a processor, a memory and a bus, the memory storing machine-readable instructions executable by the processor, the processor and the memory communicating over the bus when the electronic device is operating, the machine-readable instructions being executable by the processor to perform the steps of the user transfer method of any of claims 1 to 7.
10. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, performs the steps of a user transfer method as claimed in any of claims 1 to 7.
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