Flexible fund management method and device among multiple accounts

• Main Authors: ZHANG YAN, XIAO HONGHUA
• Format: Patent
• Language: Chinese; English
• Published: 12.01.2021
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention provides a flexible fund management method and device among multiple accounts. The method comprises the following steps: acquiring information of multiple user accounts from a database of a banking business system to establish a multi-account hooking relationship; when a debit transaction occurs in one user account, judging whether the credit balance of the transaction user account is smaller than the amount of the debit transaction or not; if yes, triggering multi-account hooking polling deduction, sending transaction user account information to a balance monitoring program, triggering an appointed account transfer function, obtaining account basic information and account financial attribute information of each user account in combination with a multi-account hooking relationship, and calculating an account deduction sequence; meanwhile, calculating an online real-time transfer-out amount and a transaction user account real-time transfer-in amount by utilizing the condition judgment statement t