1. A fund flow management method for bringing up cash of a car driver under a network appointment is characterized by comprising the following steps:

building a fund model, predicting and calculating the fund magnitude in a period;

transferring accounts for the bank card based on the fund magnitude in the period, and transferring the accounts into a cash withdrawal fund pool and distributing the accounts to a generation account;

detecting a secondary account in the cash withdrawal pool in real time, and giving an early warning mode according to the account residual amount;

and establishing a multi-platform account mode based on the withdrawal fund pool, sending the fund change request to a transfer channel, and transferring money to the specified collection account.

2. The method for fund flow management for network car booking driver cash-up according to claim 1, wherein the building of fund model, predicting and calculating fund magnitude in cycle comprises:

and (4) carrying out big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude in the period.

3. The method for fund flow management for network car booking driver cash-up according to claim 1, wherein the building of the fund model comprises:

and forming a data model with a plurality of dimensions by performing statistical analysis on the historical cash-out records.

4. The fund flow management method for the online car booking driver to bring up according to the claim 1, wherein the real-time detection of the secondary account in the fund pool gives different early warning modes according to the account residual amount comprises the following steps:

and creating an account detection program, performing rotation training on the generation service account, and performing different alarm modes according to the preset early warning level.

5. The fund flow management method for the withdrawal of the car contracted drivers on the internet according to claim 1, wherein in the money transfer to the designated money receiving account, when the money is transferred, the abnormality of the money transfer for the generation is detected in real time, an intelligent form supplementing task is generated, a fault-tolerant mechanism is established, and then the money is read and transferred again through a supplementing procedure; and in the normal operation process of transferring money, the fund conditions and the change trend of different accounts are observed in real time.

6. A system for managing fund flow for bringing up a vehicle driver on a network, comprising:

the calculation unit is used for building a fund model, predicting and calculating the fund magnitude in the period;

the allocation unit is used for transferring accounts for the bank card based on the fund magnitude in the period, transferring the accounts into a cash withdrawal fund pool and allocating the accounts to the issuing account;

the giving unit is used for detecting the generation account in the cash withdrawal fund pool in real time and giving an early warning mode according to the account residual amount;

and the transfer unit is used for establishing a multi-platform account mode based on the cash withdrawal fund pool, sending the fund change request to a transfer channel and transferring money to the specified collection account.

7. A fund flow management system for network car booking driver cash-up according to claim 6, wherein the establishing of fund model, predicting and calculating fund magnitude in cycle comprises:

and (4) carrying out big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude in the period.

8. A fund flow management system for network car booking driver cash-out according to claim 6, wherein the established fund model comprises:

and forming a data model with a plurality of dimensions by performing statistical analysis on the historical cash-out records.

9. The system as claimed in claim 6, wherein the real-time detection of the secondary account in the fund pool gives different warning modes according to the remaining amount of the account, including:

and creating an account detection program, performing rotation training on the generation service account, and performing different alarm modes according to the preset early warning level.

10. The system of claim 1, wherein in the transfer of funds to the designated collection account, the transfer abnormality of the vehicle is detected in real time when the funds are transferred, an intelligent form-supplementing task is generated, a fault-tolerant mechanism is established, and the intelligent form-supplementing task is read and transferred again through a supplement process; and in the normal operation process of transferring money, the fund conditions and the change trend of different accounts are observed in real time.

Background

The network car appointment company cash withdrawal business needs to cooperate with three-party payment companies, fund recharging manually estimates the cash withdrawal magnitude according to the income of a driver, and meanwhile, accounts need to be supervised dynamically and timely recharged, so that the following problems mainly exist:

1. the fund flow transfer needs manual intervention, the flow is complicated, and the efficiency is low;

2. the capital can not be fully utilized and can not be distributed according to the requirement;

3. the success rate of capital generation cannot be guaranteed;

4. the risk of funds cannot be perceived in advance;

5. the three-way channel cannot switch the handle control budget in time.

Disclosure of Invention

In view of the above technical problems in the related art, the present invention provides a fund flow management method and system for bringing up the current situation of a car driver under a network appointment, which can overcome the above disadvantages in the prior art.

In order to achieve the technical purpose, the technical scheme of the invention is realized as follows:

a method for managing fund flow for bringing up vehicle drivers in a network appointment, the method comprising:

building a fund model, predicting and calculating the fund magnitude in a period;

transferring accounts for the bank card based on the fund magnitude in the period, and transferring the accounts into a cash withdrawal fund pool and distributing the accounts to a generation account;

detecting a secondary account in the cash withdrawal pool in real time, and giving an early warning mode according to the account residual amount;

and establishing a multi-platform account mode based on the withdrawal fund pool, sending the fund change request to a transfer channel, and transferring money to the specified collection account.

Further, the building of a fund model, predicting and calculating the fund magnitude in the period includes:

and (4) carrying out big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude in the period.

Further, the fund model building method includes:

and forming a data model with a plurality of dimensions by performing statistical analysis on the historical cash-out records.

Further, the real-time detection of the secondary account in the fund pool gives different early warning modes according to the account residual amount, and the method comprises the following steps:

and creating an account detection program, performing rotation training on the generation service account, and performing different alarm modes according to the preset early warning level.

Furthermore, in the money transfer of the designated collection account, when the fund is transferred, the abnormal transfer of the money generation is detected in real time, an intelligent form supplementing task is generated, a fault-tolerant mechanism is established, and then the money is read and transferred again through a supplementing procedure; and in the normal operation process of transferring money, the fund conditions and the change trend of different accounts are observed in real time.

In another aspect, the present invention provides a system for managing fund flow for bringing up a vehicle driver in a network appointment, the system comprising:

the calculation unit is used for building a fund model, predicting and calculating the fund magnitude in the period;

the allocation unit is used for transferring accounts for the bank card based on the fund magnitude in the period, transferring the accounts into a cash withdrawal fund pool and allocating the accounts to the issuing account;

the giving unit is used for detecting the generation account in the cash withdrawal fund pool in real time and giving an early warning mode according to the account residual amount;

and the transfer unit is used for establishing a multi-platform account mode based on the cash withdrawal fund pool, sending the fund change request to a transfer channel and transferring money to the specified collection account.

Further, the building of a fund model, predicting and calculating the fund magnitude in the period includes:

and (4) carrying out big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude in the period.

Further, the fund model building method includes:

and forming a data model with a plurality of dimensions by performing statistical analysis on the historical cash-out records.

Further, the real-time detection of the secondary account in the fund pool gives different early warning modes according to the account residual amount, and the method comprises the following steps:

and creating an account detection program, performing rotation training on the generation service account, and performing different alarm modes according to the preset early warning level.

Furthermore, in the money transfer of the designated collection account, when the fund is transferred, the abnormal transfer of the money generation is detected in real time, an intelligent form supplementing task is generated, a fault-tolerant mechanism is established, and then the money is read and transferred again through a supplementing procedure; and in the normal operation process of transferring money, the fund conditions and the change trend of different accounts are observed in real time.

The invention has the beneficial effects that: by the method and the system, the cash flow of a company is fully and effectively utilized; effectively controlling the risk of capital issuance; the timeliness and the safety of the fund issuing service are ensured; improve personnel work efficiency, save the cost.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.

FIG. 1 shows a block flow diagram of a method for fund flow management for network car booking driver cash-up, according to an embodiment of the invention;

fig. 2 shows a schematic structural diagram of a fund flow management system for bringing up a car appointment driver according to an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

As shown in fig. 1, a method for managing fund flow for bringing up a car driver in a network appointment, the method comprises:

step S1: building a fund model, predicting and calculating the fund magnitude in a period;

step S2: transferring accounts for the bank card based on the fund magnitude in the period, and transferring the accounts into a cash withdrawal fund pool and distributing the accounts to a generation account;

step S3: detecting a secondary account in the cash withdrawal pool in real time, and giving an early warning mode according to the account residual amount;

step S4: and establishing a multi-platform account mode based on the withdrawal fund pool, sending the fund change request to a transfer channel, and transferring money to the specified collection account.

In some embodiments of the present invention, the building a fund model, predicting and calculating a fund magnitude in a cycle includes:

and (4) carrying out big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude in the period.

In some embodiments of the invention, the building a fund model includes:

and forming a data model with a plurality of dimensions by performing statistical analysis on the historical cash-out records.

In some embodiments of the present invention, the detecting the secondary account in the fund pool in real time, and giving different pre-warning modes according to the account remaining amount includes:

and creating an account detection program, performing rotation training on the generation service account, and performing different alarm modes according to the preset early warning level.

In some embodiments of the present invention, in the transferring of funds to the designated collection account, when funds are being transferred, the transfer abnormality of the transmission is detected in real time, an intelligent form-complementing task is generated, a fault-tolerant mechanism is established, and then the intelligent form-complementing task is read and transferred again through a complementing procedure; and in the normal operation process of transferring money, the fund conditions and the change trend of different accounts are observed in real time.

As shown in fig. 2, in another aspect, the present invention provides a system for managing fund flow for bringing about vehicle driver cash, the system comprising:

the calculation unit is used for building a fund model, predicting and calculating the fund magnitude in the period;

the allocation unit is used for transferring accounts for the bank card based on the fund magnitude in the period, transferring the accounts into a cash withdrawal fund pool and allocating the accounts to the issuing account;

the giving unit is used for detecting the generation account in the cash withdrawal fund pool in real time and giving an early warning mode according to the account residual amount;

and the transfer unit is used for establishing a multi-platform account mode based on the cash withdrawal fund pool, sending the fund change request to a transfer channel and transferring money to the specified collection account.

In some embodiments of the present invention, the building a fund model, predicting and calculating a fund magnitude in a cycle includes:

and (4) carrying out big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude in the period.

In some embodiments of the invention, the building a fund model includes:

and forming a data model with a plurality of dimensions by performing statistical analysis on the historical cash-out records.

In some embodiments of the present invention, the detecting the secondary account in the fund pool in real time, and giving different pre-warning modes according to the account remaining amount includes:

and creating an account detection program, performing rotation training on the generation service account, and performing different alarm modes according to the preset early warning level.

In some embodiments of the present invention, in the transferring of funds to the designated collection account, when funds are being transferred, the transfer abnormality of the transmission is detected in real time, an intelligent form-complementing task is generated, a fault-tolerant mechanism is established, and then the intelligent form-complementing task is read and transferred again through a complementing procedure; and in the normal operation process of transferring money, the fund conditions and the change trend of different accounts are observed in real time.

In the invention, 1, intelligent estimation withdrawal magnitude is as follows: performing big data analysis based on the history withdrawal behavior records, building a fund model, and predicting and calculating the fund magnitude (fund total M) in the period;

and performing statistical analysis on the historical cash-out records to form a data model with multiple dimensions, and performing statistical calculation on the model data to calculate the fund amount M in the period. 2. Automatic multi-account allocation of pool transfers: based on the fund M calculated in the last step, the timing program automatically transfers the public bank card from the binding company through a three-party platform product to draw a cash pool and distribute the cash pool to different issuing accounts (issuing accounts An), and the part of the fund is used for different service issuing; and establishing a background timing program based on An Elastic-joba framework, and transferring the fund M into the generation accounts An of different services in a divided manner according to a set proportion by An API (application program interface) provided by the butt payment treasures. 3. Real-time supervision and risk early warning of a capital pool: detecting a secondary account (a secondary account An) in the fund pool in real time, giving different early warning modes according to the remaining amount of the account, and performing early warning by mail, communication software, short messages and incoming calls; an account detection program is created based on An Elastic-joba framework, alternate training is carried out on a generation business account An, different alarm modes are carried out according to preset early warning levels, for example, the primary and secondary modes are mainly used for triggering finance in a nail mode. 4. Multi-channel routing fund generation: establishing a multi-platform account mode based on the fund pool, supporting a plurality of cash withdrawal modes, and respectively routing the fund change request to a corresponding channel to transfer the fund to a specified collection account (collection account Rn) according to a set weight; the existing ways supported by the platform are three: the system comprises a payment bank balance, a payment bank card and an Yibao bank card, wherein a background can be configured with a distribution weight, and when a request is initiated for generation, the system can distribute to different cash withdrawal modes according to the set weight. 5. And (4) carrying out withdrawal exception and supplement: abnormal cases may occur in the fund generation process, the scheme can detect the generation abnormal conditions in real time, generate an intelligent form supplementing task (abnormal generation record Cn), establish a retry fault tolerance mechanism and other mechanisms, and guarantee the safety and accuracy of the fund generation; and creating a fund replenishment program based on the Elastic-joba framework, generating an abnormal issuance record Cn for the abnormal condition generated in the issuance process, reading and re-issuing the abnormal issuance record Cn through the replenishment program until the issuance is successfully returned. 6. Visualization of capital dynamics: in the normal operation process of the generation service (generation record Un), the background of the fund flow management system supports a multi-platform account mode, and the fund conditions and the change trends of different accounts (generation accounts An) can be observed in real time; the background supports financial and operation classmates to check the fund status of the generation account An in real time, and is beneficial to performing thought intervention under special conditions.

By the method and the system, the cash flow of a company is fully and effectively utilized; effectively controlling the risk of capital issuance; the timeliness and the safety of the fund issuing service are ensured; improve personnel work efficiency, save the cost.

Although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.