CN107403376A - Liquidation method, equipment and computer-readable recording medium on line - Google Patents
Liquidation method, equipment and computer-readable recording medium on line Download PDFInfo
- Publication number
- CN107403376A CN107403376A CN201710550492.5A CN201710550492A CN107403376A CN 107403376 A CN107403376 A CN 107403376A CN 201710550492 A CN201710550492 A CN 201710550492A CN 107403376 A CN107403376 A CN 107403376A
- Authority
- CN
- China
- Prior art keywords
- account
- line
- bank
- deposit
- clearing
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses liquidation method on a kind of line, this method includes：Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；When clearance function opens request on receiving the line based on the clearing account, judge whether the clearing account meets that clearance function opens condition on default line according to the row information of opening an account；If so, then opening function is cleared on the line of the clearing account；When receiving the payment instruction based on the clearing account triggering, the payment instruction is sent to bank of deposit's system corresponding to row information of opening an account according to function is cleared on the line of the clearing account, so that bank of deposit's system performs operation of remitting money accordingly according to the payment instruction.The invention also discloses clearing facilities on a kind of line and a kind of computer-readable recording medium.The present invention, which can simplify, clears operating process on line, improve and clear efficiency on line.
Description
Technical field
The present invention relates to liquidation method, equipment and computer-readable storage medium in Internet technical field, more particularly to line
Matter.
Background technology
With the continuous development of internet finance, increasing financial product starts to clear on Support Line.At present, it is financial
For product when carrying out online trading, transaction platform is generally that remit money clearance, such as user are carried out in the form of jumping to bank net
Certain financial product is have purchased on transaction platform and selects e-Bank payment mode, now transaction page will jump to corresponding online
The bank paying page, user need to input Web bank's account and password login Web bank, then input corresponding payment again
Password or payment cipher are completed to pay.This mode is disadvantageous in that：Also need to jump to bank when carrying out and paying clearance
The Net silver page, and associated account information is inputted, operating process is relatively complicated, and clearance is less efficient.
The content of the invention
It is a primary object of the present invention to propose liquidation method, equipment and computer-readable recording medium, purport on a kind of line
Operating process is cleared on line is simplified, improves and clears efficiency on line.
To achieve the above object, the present invention provides liquidation method on a kind of line, and liquidation method includes following step on the line
Suddenly：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, sentenced according to the row information of opening an account
Whether the disconnected clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.
Alternatively, row information of being opened an account described in the basis judges whether the clearing account meets to clear work(on default line
The step of condition can be opened, includes：
Judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
If the clearing account needs, which are handled, faces cabinet checking, facing for the clearing account is obtained from bank of deposit's system
Cabinet checking information, and the cabinet checking information of facing is verified；It is described face the verification of cabinet checking information and pass through when, described in judgement
Clearing account meets that clearance function opens condition on default line；
If the clearing account, which need not be handled, faces cabinet checking, bank of deposit's system interface is called to the bank of deposit
Information is verified；Bank of deposit's information checking by when, judge it is described clearing account meet to clear work(on default line
Condition can be opened.
Alternatively, bank of deposit's information includes bank of deposit's title, and row information of being opened an account described in the basis judges described clear
Do accounts family whether need to handle face cabinet checking the step of include：
Judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging the clearance
Account, which needs to handle, faces cabinet checking.
Alternatively, liquidation method also includes on the line：
The result of remitting money that bank of deposit's system returns is received, by the result of remitting money in the trading platform system front end
It is shown.
Alternatively, the result of remitting money for receiving bank of deposit's system and returning, and by the result of remitting money in the friendship
After the step of easy plateform system front end is shown, in addition to：
The clearance form of the clearing account is generated according to the result of remitting money, the clearance form is preserved to the friendship
In the historical trading data storehouse of easy plateform system.
In addition, to achieve the above object, the present invention also provides clearing facilities on a kind of line, clearing facilities bag on the line
Include：Memory, processor and it is stored on the memory and liquidation procedure on the line that can be run on the processor, it is described
On line liquidation procedure by the computing device when realize following steps：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, sentenced according to the row information of opening an account
Whether the disconnected clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.
Alternatively, on the line liquidation procedure by the computing device when also realize following steps：
Judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
If the clearing account needs, which are handled, faces cabinet checking, facing for the clearing account is obtained from bank of deposit's system
Cabinet checking information, and the cabinet checking information of facing is verified；It is described face the verification of cabinet checking information and pass through when, described in judgement
Clearing account meets that clearance function opens condition on default line；
If the clearing account, which need not be handled, faces cabinet checking, bank of deposit's system interface is called to the bank of deposit
Information is verified；Bank of deposit's information checking by when, judge it is described clearing account meet to clear work(on default line
Condition can be opened.
Alternatively, on the line liquidation procedure by the computing device when also realize following steps：
Judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging the clearance
Account, which needs to handle, faces cabinet checking.
Alternatively, on the line liquidation procedure by the computing device when also realize following steps：
The result of remitting money that bank of deposit's system returns is received, by the result of remitting money in the trading platform system front end
It is shown.
In addition, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, described computer-readable
Wired supernatant is stored in storage medium and calculates program, following steps are realized when liquidation procedure is executed by processor on the line：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, sentenced according to the row information of opening an account
Whether the disconnected clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.
The present invention creates clearing account in trading platform system, and the accounts information of the clearing account is believed including bank of deposit
Breath；When clearance function opens request on receiving the line based on the clearing account, institute is judged according to the row information of opening an account
State whether clearing account meets that clearance function opens condition on default line；If so, then open the line supernatant of the clearing account
Calculate function；When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.By the above-mentioned means, user of the present invention creates clearance in trading platform system
Account is simultaneously opened and clears function on the line of clearing account, and in subsequent transaction, trading platform system can pass through the clearance account of establishment
Family directly sends payment instruction to bank of deposit's system, so that bank of deposit's system performs corresponding operation of remitting money, the process need not
Jump to bank net and carry out secondary accounts information typing, operating process is cleared on line so as to simplify, improves and is cleared on line
Efficiency.
Brief description of the drawings
Fig. 1 is the device structure schematic diagram for the hardware running environment that scheme of the embodiment of the present invention is related to；
Fig. 2 is the schematic flow sheet of liquidation method first embodiment on line of the present invention；
Fig. 3 judges whether the clearing account meets to clear work(on default line for row information of being opened an account in Fig. 2 according to
The refinement schematic flow sheet of condition step can be opened；
Fig. 4 is the schematic flow sheet of liquidation method second embodiment on line of the present invention；
Fig. 5 is the schematic flow sheet of liquidation method 3rd embodiment on line of the present invention.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
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 primary solutions of the embodiment of the present invention are：Clearing account, the clearance account are created in trading platform system
The accounts information at family includes row information of opening an account；When clearance function opens request on receiving the line based on the clearing account,
Judge whether the clearing account meets that clearance function opens condition on default line according to the row information of opening an account；If so, then
Open and clear function on the line of the clearing account；When receiving the payment instruction based on the clearing account triggering, according to
Function is cleared on the line of the clearing account payment instruction is sent to bank of deposit's system corresponding to row information of opening an account,
So that bank of deposit's system performs corresponding operation of remitting money according to the payment instruction.
In the prior art, for financial product when carrying out online trading, transaction platform is generally to jump to bank net
Form carries out clearance of remitting money, and this mode is disadvantageous in that：Also need to jump to bank net page when carrying out and paying clearance
Face, and associated account information is inputted, operating process is relatively complicated, and clearance is less efficient.
User of the present invention creates in trading platform system and clears function on the line for clearing account and opening clearing account,
During subsequent transaction, trading platform system directly can send payment instruction by the clearing account of establishment to bank of deposit's system, so as to
Bank of deposit's system is set to perform corresponding operation of remitting money, the process need not jump to bank net and carry out secondary accounts information typing,
Operating process is cleared on line so as to simplify, improves and efficiency is cleared on line.
The present invention provides liquidation method on a kind of line.
As shown in figure 1, Fig. 1 is the device structure schematic diagram for the hardware running environment that scheme of the embodiment of the present invention is related to.
Clearing facilities can be PC or smart mobile phone, tablet personal computer, pocket computer on line of the embodiment of the present invention
Deng the packaged type terminal device with display function.
As shown in figure 1, clearing facilities can include on the line：Processor 1001, such as CPU, network interface 1004, user
Interface 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is used to realize the connection between these components
Communication.User interface 1003 can include display screen (Display), input block such as keyboard (Keyboard), optional user
Interface 1003 can also include wireline interface, the wave point of standard.Network interface 1004 can optionally include having for standard
Line interface, wave point (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory or stable storage
Device (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processing
The storage device of device 1001.
Alternatively, clearing facilities can also include camera, RF (Radio Frequency, radio frequency) circuit, sensing on line
Device, voicefrequency circuit, WiFi module etc..Wherein, sensor ratio such as optical sensor, motion sensor and other sensors.Tool
Body, optical sensor may include ambient light sensor and proximity transducer, wherein, ambient light sensor can be according to ambient light
Light and shade adjusts the brightness of display screen, and proximity transducer can close display screen and/or the back of the body when mobile terminal is moved in one's ear
Light.As one kind of motion sensor, gravity accelerometer can detect in all directions (generally three axles) acceleration
Size, size and the direction of gravity are can detect that when static, (for example horizontal/vertical screen is cut available for the application of identification mobile terminal posture
Change, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.；Certainly, mobile terminal
The other sensors such as gyroscope, barometer, hygrometer, thermometer, infrared ray sensor are can also configure, will not be repeated here.
It will be understood by those skilled in the art that the limit of device structure not structure paired terminal is cleared on the line shown in Fig. 1
It is fixed, it can include than illustrating more or less parts, either combine some parts or different parts arrangement.
As shown in figure 1, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network
Liquidation procedure on letter module, Subscriber Interface Module SIM and line.
In the terminal shown in Fig. 1, network interface 1004 is mainly used in connecting background server, is carried out with background server
Data communicate；User interface 1003 is mainly used in connecting client (user terminal), enters row data communication with client；And processor
1001 can be used for calling liquidation procedure on the line stored in memory 1005, and perform following operate：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, sentenced according to the row information of opening an account
Whether the disconnected clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.
Further, processor 1001 can call liquidation procedure on the line stored in memory 1005, also perform following
Operation：
Judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
If the clearing account needs, which are handled, faces cabinet checking, facing for the clearing account is obtained from bank of deposit's system
Cabinet checking information, and the cabinet checking information of facing is verified；It is described face the verification of cabinet checking information and pass through when, described in judgement
Clearing account meets that clearance function opens condition on default line；
If the clearing account, which need not be handled, faces cabinet checking, bank of deposit's system interface is called to the bank of deposit
Information is verified；Bank of deposit's information checking by when, judge it is described clearing account meet to clear work(on default line
Condition can be opened.
Further, processor 1001 can call liquidation procedure on the line stored in memory 1005, also perform following
Operation：
Judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging the clearance
Account, which needs to handle, faces cabinet checking.
Further, processor 1001 can call liquidation procedure on the line stored in memory 1005, also perform following
Operation：
The result of remitting money that bank of deposit's system returns is received, by the result of remitting money in the trading platform system front end
It is shown.
Further, processor 1001 can call liquidation procedure on the line stored in memory 1005, also perform following
Operation：
The clearance form of the clearing account is generated according to the result of remitting money, the clearance form is preserved to the friendship
In the historical trading data storehouse of easy plateform system.
Based on above-mentioned hardware configuration, each embodiment of liquidation method on line of the present invention is proposed.
Reference picture 2, Fig. 2 are the schematic flow sheet of liquidation method first embodiment on line of the present invention, and methods described includes：
Step S10, creates clearing account in trading platform system, and the accounts information of the clearing account includes bank of deposit
Information；
Transaction platform in the present embodiment is mainly used in the online transaction between financial institution, wherein, online transaction product
Including all kinds of financial products such as currency, foreign exchange, marketable securities.Seller is bought in purchaser (user) by transaction platform to sell
Financial product when, purchaser firstly the need of in trading platform system create clear account, the accounts information of the clearing account
Row information of opening an account should be included, purchaser is realized by the bank account of the bank of deposit and the financial product of purchase is paid the bill.
Specifically, trading platform system can receive the establishment instruction of user, and display clearing account is instructed according to the establishment
Accounts information input interface, user inputs trading account title, account and row information of opening an account by the display interface, wherein,
Bank of deposit's information includes bank of deposit's title, bank of deposit site, name on account of opening an account, the letter such as Account Type and Bank Account Number of opening an account
Breath.Alternatively, trading platform system can also automatically identify the wholesale paying bank of the bank of deposit site by bank of deposit site
Number (unique identification number of bank of deposit site), and the accounts information of clearing account is stored in as row information of opening an account in the lump
In.
After the accounts information of user's typing clearing account, trading platform system can carry out school to account information
Test, as judge trading account title whether and the clearing account repetition that has created, user whether chosen and agreed to that clearance takes on line
Agreement of being engaged in etc., if verification passes through, transaction platform creates corresponding clearing account in systems.
It should be noted that user can create multiple clearing account according to being actually needed in trading platform system, often
The individual corresponding different row information of opening an account of clearing account, in this way, subsequent user when pay clearance, can select it is different clear
Family of doing accounts is cleared as payment account with realizing on line, adds and approach is cleared on the line of user.
Step S20, when clearance function opens request on receiving the line based on the clearing account, opened an account according to described
Row information judges whether the clearing account meets that clearance function opens condition on default line.
After clearing account is created, user, which also needs to open, clears function on the line of the clearing account.Specifically, user
Function is cleared in clearing account firing line based on establishment and opens request, trading platform system clears function on the line is received
After opening request, judge whether the clearing account meets that clearance function is opened on default line according to the row information of opening an account of clearing account
Gating condition.
Wherein, function is cleared on line to open condition and can flexibly be set, such as, trading platform system can obtain out
Bank of deposit's title in the row information of family, judge whether the bank of deposit endorsed with plateform system according to the title of opening an account and cleared on line
Service agreement, if so, then judging whether clearing account meets that clearance function opens condition on default line；And for example, transaction platform
System can call the system interface of the bank of deposit according to row information of opening an account and obtain the return value of bank of deposit's system, be opened with checking
Name on account of opening an account in the row information of family, Account Type is opened an account and whether effectively Bank Account Number whether there is or, if so, then judging
Whether clearing account meets that clearance function opens condition on default line；Certainly, trading platform system can also in bank of deposit and
When plateform system endorsed clearance service agreement, effective two conditions of row information of opening an account on line while meet, clearing account is judged
Whether meet that clearance function opens condition, etc. on default line.
Step S30, if the clearing account meets that clearance function opens condition on default line, open the clearance account
Function is cleared on the line at family；
If clearing account meets that clearance function opens condition on default line, opens and work(is cleared on the line of clearing account
Can, otherwise do not open and clear function on the line of clearing account.
After clearance function on line is opened in clearing account, the clearing account can be used as user and be carried out in transaction platform
The payment account of line transaction.
Step S40, when receiving the payment instruction based on the clearing account triggering, according to the line of the clearing account
The payment instruction is sent to bank of deposit's system corresponding to row information of opening an account by upper clearance function, so that the bank of deposit is
System performs corresponding operation of remitting money according to the payment instruction.
User selects a clearing account to be used as payment account, transaction platform when buying financial product on transaction platform
System, should according to function is cleared on the line of the clearing account when receiving the payment instruction based on some clearing account triggering
Payment instruction is sent to bank of deposit's system corresponding to the clearing account, wherein, payment instruction includes payment account information, gathering account
Family information and payment amount, bank of deposit's system performs corresponding operation of remitting money according to payment instruction, i.e., by user in bank of deposit
Account of opening an account remitted money to collecting account.When remitting money successfully, bank of deposit's system, which returns, pays successful information, transaction platform
System shows user front end by successful information is paid, and thus, completes and is cleared on the line of financial product.
It should be noted that the trading platform system of the present embodiment with bank of deposit system is connected in a manner of direct-connected, this is straight
Even mode is dependent on the cooperative relationship between transaction platform and bank of deposit, and trading platform system to bank of deposit's system directly by sending out
Instruction progress fund of remitting money is acted to transfer, it is easy to operate.
In the present embodiment, clearing account is created in trading platform system, the accounts information of the clearing account includes
Open an account row information；When clearance function opens request on receiving the line based on the clearing account, believed according to the bank of deposit
Breath judges whether the clearing account meets that clearance function opens condition on default line；If so, then open the clearing account
Line on clear function；When receiving the payment instruction based on the clearing account triggering, according to the line of the clearing account
The payment instruction is sent to bank of deposit's system corresponding to row information of opening an account by upper clearance function, so that the bank of deposit is
System performs corresponding operation of remitting money according to the payment instruction.By the above-mentioned means, user of the present invention is in trading platform system
Create and clear function on the line for clearing account and opening clearing account, in subsequent transaction, trading platform system can pass through establishment
Clearing account directly send payment instruction to bank of deposit system so that bank of deposit's system performs corresponding operation of remitting money, this
Process need not jump to bank net and carry out secondary accounts information typing, and operating process is cleared on line so as to simplify, is improved
Efficiency is cleared on line.
Further, reference picture 3, Fig. 3 judge whether the clearing account meets for row information of being opened an account in Fig. 2 according to
The refinement schematic flow sheet that function opens condition step is cleared on default line.Based on the embodiment shown in above-mentioned Fig. 2, according to institute
State row information of opening an account and judge whether the clearing account meets that the step of clearance function opens condition on default line can include：
Step S21, judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
For some banks of deposit or Account Type of opening an account, to ensure account safety, it, which may require client, handles and faces cabinet and test
Card, face the i.e. client of cabinet checking and go to bank of deposit scene to be verified, it is contemplated that such case, trading platform system are receiving base
When clearance function opens request on the line of clearing account, the clearance can be judged according to the row information of opening an account of clearing account first
Whether account, which needs to handle, is faced cabinet checking.
If the clearing account needs, which are handled, faces cabinet checking, perform：
Step S22, face cabinet checking information from bank of deposit's system acquisition clearing account, and the cabinet that faces is tested
Card information is verified；
Step S23, it is described face cabinet checking information verification pass through when, judge it is described clearing account meet default line supernatant
Calculate function and open condition；
If the clearing account, which needs to handle, faces cabinet checking, trading platform system exports prompt message to prompt user that this is clear
Family needs of doing accounts, which are handled, faces cabinet checking, and now user needs carrying associated materials (the platform power of attorney, identity card etc.) to go to and open an account
OK, and agreement (tripartite agreement between platform, bank and client) contract application book of bank of deposit's offer is filled in, bank cashier will
After agreement contract application Data Enter row method, system, sent from row method, system to trading platform system comprising agreement contract application
Face cabinet checking information, trading platform system faces cabinet checking information to this and verified, including checking client's signing information and clearance
Whether the accounts information of account matches, face cabinet checking information verification pass through when, trading platform system judges the clearing account
Meet that clearance function opens condition on default line, and open and clear function on the line of the clearing account.
If the clearing account, which need not be handled, faces cabinet checking, perform：
Step S24, bank of deposit's system interface is called to verify the row information of opening an account；
Step S25, bank of deposit's information checking by when, judge it is described clearing account meet to clear on default line
Function opens condition.
If the clearing account, which need not be handled, faces cabinet checking, trading platform system calls open an account corresponding with clearing account
Capable system interface simultaneously obtains the return value of bank of deposit's system, so as to be verified to the row information of opening an account of user's typing, such as
Checking open an account name on account of opening an account in row information, open an account Account Type and Bank Account Number whether there is or whether effective etc.,
Bank of deposit's information checking by when, trading platform system judges that the clearing account meets that clearance function opens bar on default line
Part.
Further, above-mentioned steps S21 can include：
Step S211, judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging
The clearing account needs, which are handled, faces cabinet checking.
Specifically, trading platform system, which can be preset, needs user to handle the bank of deposit's title for facing cabinet checking, subsequently
Judge whether the bank of deposit in clearing account is that when presetting bank of deposit, can obtain bank of deposit's title in row information of opening an account, if
The bank of deposit's title and default bank of deposit's name-matches got, then judge that the clearing account needs to handle and face cabinet checking.In addition,
Trading platform system can also by preset need user handle face cabinet verify bank of deposit site or bank of deposit's wholesale branch
To pay the mode such as line number and judge that the clearing account needs to handle and face cabinet checking, specific judgment mode is similar to bank of deposit's title, this
Place repeats no more.
The present embodiment is verified by the cabinet that faces under line, further ensure that user account safety and the true of accounts information can
By property, premise is provided for clearance on follow-up line.
Further, reference picture 4, Fig. 4 are the schematic flow sheet of liquidation method second embodiment on line of the present invention.Based on this
Liquidation method first embodiment on invention line, after the step s 40, it can also include：
Step S50, the result of remitting money that bank of deposit's system returns is received, by the result of remitting money in the transaction platform
System front end is shown.
In the present embodiment, to make user know result of remitting money, bank of deposit's system will remit money after operation is remitted money in execution
As a result trading platform system is back to, after trading platform system receives the result of remitting money that bank of deposit's system returns, will remit money knot
Fruit is shown in user front end.Specifically, the success if bank of deposit's system is remitted money, the successful information that will remit money are back to transaction
Plateform system front end is to prompt user that this is merchandised successfully；If bank of deposit's system is remitted money unsuccessfully, by failure cause (more than such as account
Volume deficiency, account has been canceled) trading platform system front end is back to, to prompt this Fail Transaction of user, now user
Corresponding remedial measure, such as account charging, replacing clearing account etc. can be implemented according to failure cause.
Further, reference picture 5, Fig. 5 are the schematic flow sheet of liquidation method 3rd embodiment on line of the present invention.Based on this
Liquidation method second embodiment on invention line, after step S50, it can also include：
Step S60, the clearance form of the clearing account is generated according to the result of remitting money, the clearance form is preserved
Into the historical trading data storehouse of the trading platform system.
In this embodiment, the clearance form that trading platform system can clear account according to result generation of remitting money, and will be clear
Form is calculated to preserve into historical trading data storehouse, wherein, clearance form can include clearance flowing water general ledger, clearance reconciliation overview,
Clear the forms such as detailed reconciliation, clearance log query, clearance abnormal inquiry.When occurring to clear abnormal, user can be by looking into
The progress reconciliation of clearance form and abnormal investigation are seen, in addition, user can also be realized to financial product purchase feelings by clearing form
The monitoring of condition and statistics.
The present invention also provides clearing facilities on a kind of line.
Clearing facilities include on line of the present invention：Memory, processor and it is stored on the memory and can be at the place
Liquidation procedure on the line that runs on reason device, on the line liquidation procedure by the computing device when realize following steps：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, sentenced according to the row information of opening an account
Whether the disconnected clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.
Further, the accreditation program by the computing device when also realize following steps：
Judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
If the clearing account needs, which are handled, faces cabinet checking, facing for the clearing account is obtained from bank of deposit's system
Cabinet checking information, and the cabinet checking information of facing is verified；It is described face the verification of cabinet checking information and pass through when, described in judgement
Clearing account meets that clearance function opens condition on default line；
If the clearing account, which need not be handled, faces cabinet checking, bank of deposit's system interface is called to the bank of deposit
Information is verified；Bank of deposit's information checking by when, judge it is described clearing account meet to clear work(on default line
Condition can be opened.
Further, the accreditation program by the computing device when also realize following steps：
Judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging the clearance
Account, which needs to handle, faces cabinet checking.
Further, the accreditation program by the computing device when also realize following steps：
The result of remitting money that bank of deposit's system returns is received, by the result of remitting money in the trading platform system front end
It is shown.
Wherein, the method realized when liquidation procedure is performed on the line run on the processor can refer to the present invention
Embodiment of the method is cleared on line, here is omitted.
The present invention also provides a kind of computer-readable recording medium.
Wired supernatant is stored on computer-readable recording medium of the present invention and calculates program, liquidation procedure is by processor on the line
Following steps are realized during execution：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, sentenced according to the row information of opening an account
Whether the disconnected clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
When receiving the payment instruction based on the clearing account triggering, work(is cleared according on the line of the clearing account
The payment instruction can be sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to institute
State payment instruction and perform corresponding operation of remitting money.
Wherein, the method realized when liquidation procedure is performed on the line run on the processor can refer to the present invention
Embodiment of the method is cleared on line, here is omitted.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements not only include those key elements, and
And also include the other element being not expressly set out, or also include for this process, method, article or system institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Other identical element also be present in the process of key element, method, article or system.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
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 such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone,
Computer, server, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. liquidation method on a kind of line, it is characterised in that liquidation method comprises the following steps on the line：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, institute is judged according to the row information of opening an account
State whether clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
, will according to function is cleared on the line of the clearing account when receiving the payment instruction based on the clearing account triggering
The payment instruction is sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to the branch
Pay instruction and perform corresponding operation of remitting money.
2. liquidation method on line as claimed in claim 1, it is characterised in that described in row information of being opened an account described in the basis judges
Whether clearing account meets that the step of clearance function opens condition on default line includes：
Judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
If the clearing account needs, which are handled, faces cabinet checking, the cabinet that faces that the clearing account is obtained from bank of deposit's system is tested
Information is demonstrate,proved, and the cabinet checking information of facing is verified；It is described face cabinet checking information verification pass through when, judge the clearance
Account meets that clearance function opens condition on default line；
If the clearing account, which need not be handled, faces cabinet checking, bank of deposit's system interface is called to the row information of opening an account
Verified；Bank of deposit's information checking by when, judge it is described clearing account meet that clearance function is opened on default line
Gating condition.
3. liquidation method on line as claimed in claim 2, it is characterised in that bank of deposit's information includes bank of deposit's title,
Row information of being opened an account described in the basis, which judges whether the clearing account needs to handle, to be included the step of facing cabinet checking：
Judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging the clearing account
Need to handle and face cabinet checking.
4. liquidation method on line as claimed any one in claims 1 to 3, it is characterised in that liquidation method is also on the line
Including：
The result of remitting money that bank of deposit's system returns is received, the result of remitting money is carried out in the trading platform system front end
Displaying.
5. liquidation method on line as claimed in claim 4, it is characterised in that stroke for receiving bank of deposit's system and returning
Money result, and by the result of remitting money after the step of trading platform system front end is shown, in addition to：
The clearance form of the clearing account is generated according to the result of remitting money, the clearance form is preserved flat to the transaction
In the historical trading data storehouse of platform system.
6. clearing facilities on a kind of line, it is characterised in that clearing facilities include on the line：Memory, processor and it is stored in
Liquidation procedure on the memory and on the line that can run on the processor, liquidation procedure is by the processor on the line
Following steps are realized during execution：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, institute is judged according to the row information of opening an account
State whether clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
, will according to function is cleared on the line of the clearing account when receiving the payment instruction based on the clearing account triggering
The payment instruction is sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to the branch
Pay instruction and perform corresponding operation of remitting money.
7. clearing facilities on line as claimed in claim 6, it is characterised in that liquidation procedure is held by the processor on the line
Following steps are also realized during row：
Judge whether the clearing account needs to handle according to the row information of opening an account and face cabinet checking；
If the clearing account needs, which are handled, faces cabinet checking, the cabinet that faces that the clearing account is obtained from bank of deposit's system is tested
Information is demonstrate,proved, and the cabinet checking information of facing is verified；It is described face cabinet checking information verification pass through when, judge the clearance
Account meets that clearance function opens condition on default line；
If the clearing account, which need not be handled, faces cabinet checking, bank of deposit's system interface is called to the row information of opening an account
Verified；Bank of deposit's information checking by when, judge it is described clearing account meet that clearance function is opened on default line
Gating condition.
8. clearing facilities on line as claimed in claim 7, it is characterised in that liquidation procedure is held by the processor on the line
Following steps are also realized during row：
Judge whether the bank of deposit is default bank of deposit according to bank of deposit's title, if so, then judging the clearing account
Need to handle and face cabinet checking.
9. clearing facilities on the line as any one of claim 6 to 8, it is characterised in that liquidation procedure quilt on the line
Following steps are also realized during the computing device：
The result of remitting money that bank of deposit's system returns is received, the result of remitting money is carried out in the trading platform system front end
Displaying.
10. a kind of computer-readable recording medium, it is characterised in that wired supernatant is stored on the computer-readable recording medium
Program is calculated, following steps are realized when liquidation procedure is executed by processor on the line：
Clearing account is created in trading platform system, the accounts information of the clearing account includes row information of opening an account；
When clearance function opens request on receiving the line based on the clearing account, institute is judged according to the row information of opening an account
State whether clearing account meets that clearance function opens condition on default line；
If so, then opening function is cleared on the line of the clearing account；
, will according to function is cleared on the line of the clearing account when receiving the payment instruction based on the clearing account triggering
The payment instruction is sent to bank of deposit's system corresponding to row information of opening an account, so that bank of deposit's system is according to the branch
Pay instruction and perform corresponding operation of remitting money.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710550492.5A CN107403376A (en) | 2017-07-07 | 2017-07-07 | Liquidation method, equipment and computer-readable recording medium on line |
| PCT/CN2017/104619 WO2019006900A1 (en) | 2017-07-07 | 2017-09-29 | On-line clearing method, apparatus and device, and computer-readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710550492.5A CN107403376A (en) | 2017-07-07 | 2017-07-07 | Liquidation method, equipment and computer-readable recording medium on line |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107403376A true CN107403376A (en) | 2017-11-28 |
Family
ID=60405381
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710550492.5A Pending CN107403376A (en) | 2017-07-07 | 2017-07-07 | Liquidation method, equipment and computer-readable recording medium on line |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN107403376A (en) |
| WO (1) | WO2019006900A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108122099A (en) * | 2017-12-08 | 2018-06-05 | 平安科技（深圳）有限公司 | Method, apparatus, storage medium and the terminal of produce clearing |
| CN112037051A (en) * | 2020-09-11 | 2020-12-04 | 中国银行股份有限公司 | Clearing account opening method and device |
| CN112651824A (en) * | 2020-12-24 | 2021-04-13 | 平安信托有限责任公司 | Non-silver account opening processing method and device, computer equipment and storage medium |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1454364A (en) * | 2000-06-22 | 2003-11-05 | Jp莫根大通银行 | Method and system for processing Internet payments |
| CN101064029A (en) * | 2006-04-24 | 2007-10-31 | 腾讯科技（深圳）有限公司 | On-line paying method and system |
| CN103854173A (en) * | 2014-03-28 | 2014-06-11 | 紫光股份有限公司 | Mobile payment method for field shopping |
| US20160358136A1 (en) * | 2015-06-02 | 2016-12-08 | Paypal, Inc. | Portal interface for establishment and management of confirmed payment account |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2003085658A (en) * | 2001-09-07 | 2003-03-20 | Pro-Tect Co Ltd | Pos transaction managing method and pos transaction managing system utilizing portable telephone |
| CN101025806B (en) * | 2006-02-20 | 2012-09-05 | 普天信息技术研究院 | Method of fee payment via mobile communication terminal |
| CN101599151A (en) * | 2009-07-03 | 2009-12-09 | 阿里巴巴集团控股有限公司 | A kind of system and method for self-adaptively selecting bank card for payment |
| CN102968715B (en) * | 2012-11-02 | 2017-06-13 | 汇付天下有限公司 | A kind of payment control method and system based on credit data |
| CN104616141A (en) * | 2014-11-27 | 2015-05-13 | 深圳市腾讯计算机系统有限公司 | Information processing method and payment platform |
-
2017
- 2017-07-07 CN CN201710550492.5A patent/CN107403376A/en active Pending
- 2017-09-29 WO PCT/CN2017/104619 patent/WO2019006900A1/en active Application Filing
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1454364A (en) * | 2000-06-22 | 2003-11-05 | Jp莫根大通银行 | Method and system for processing Internet payments |
| CN101064029A (en) * | 2006-04-24 | 2007-10-31 | 腾讯科技（深圳）有限公司 | On-line paying method and system |
| CN103854173A (en) * | 2014-03-28 | 2014-06-11 | 紫光股份有限公司 | Mobile payment method for field shopping |
| US20160358136A1 (en) * | 2015-06-02 | 2016-12-08 | Paypal, Inc. | Portal interface for establishment and management of confirmed payment account |
Non-Patent Citations (1)
| Title |
|---|
| 孙桂芳，主编: "《商业银行经营与管理 2011年9月第一版》", 30 September 2011, 立信会计出版社 * |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108122099A (en) * | 2017-12-08 | 2018-06-05 | 平安科技（深圳）有限公司 | Method, apparatus, storage medium and the terminal of produce clearing |
| WO2019109558A1 (en) * | 2017-12-08 | 2019-06-13 | 平安科技（深圳）有限公司 | Product clearing method and device, storage medium, and terminal |
| CN112037051A (en) * | 2020-09-11 | 2020-12-04 | 中国银行股份有限公司 | Clearing account opening method and device |
| CN112037051B (en) * | 2020-09-11 | 2023-09-22 | 中国银行股份有限公司 | Account clearing account opening method and device |
| CN112651824A (en) * | 2020-12-24 | 2021-04-13 | 平安信托有限责任公司 | Non-silver account opening processing method and device, computer equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019006900A1 (en) | 2019-01-10 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10867304B2 (en) | Account type detection for fraud risk | |
| US11587088B2 (en) | Method and system for hosted order page/silent order post | |
| US9348896B2 (en) | Dynamic network analytics system | |
| US8949150B2 (en) | Fraud detection system automatic rule manipulator | |
| US10262308B2 (en) | Cardless challenge systems and methods | |
| US20220044230A1 (en) | System and method for secure acceptance of customer credit card numbers | |
| US20170140366A1 (en) | One-scan and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device, currency token interface, point of sale device, and electronic payment card | |
| US20200126085A1 (en) | Decision making for on-line transactions | |
| CN102214334B (en) | A kind of online payment method, Apparatus and system | |
| US20140297435A1 (en) | Bank card secured payment system and method using real-time communication technology | |
| US20130179341A1 (en) | Virtual wallet | |
| US20140129422A1 (en) | Systems and methods for issuing mobile payment cards via a mobile communication network and internet-connected devices | |
| CN107408253A (en) | The safe handling of e-payment | |
| CN104599112B (en) | A kind of information transferring method, device and system | |
| CN104732388A (en) | Electronic payment method and system | |
| CN204731832U (en) | Electronic fare payment system | |
| JP6356074B2 (en) | Authentication platform for PIN debit issuers | |
| CN107403376A (en) | Liquidation method, equipment and computer-readable recording medium on line | |
| CN108647972A (en) | Transaction authentication mode determines method, push server and system | |
| CA3049360A1 (en) | Electronic funds transfers based on automatic cryptocurrency transactions | |
| CN108876208A (en) | A kind of payable by installment air control checking method and system | |
| JP2014534842A (en) | Abnormal account detection apparatus and method | |
| CN108109294A (en) | Payment administrative system, implementation method and equipment, readable storage medium storing program for executing | |
| WO2018171272A1 (en) | Payment method and device, system and electronic apparatus thereof | |
| US10740749B2 (en) | System and method for managing a protection mechanism using a digital wallet platform |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20180528 Address after: 518000 Room 201, building A, No. 1, Qian Wan Road, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen, Guangdong (Shenzhen Qianhai business secretary Co., Ltd.) Applicant after: Shenzhen one ledger Intelligent Technology Co., Ltd. Address before: 200000 Xuhui District, Shanghai Kai Bin Road 166, 9, 10 level. Applicant before: Shanghai Financial Technologies Ltd |
|
| TA01 | Transfer of patent application right | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1244097 Country of ref document: HK |
|
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20171128 |
|
| RJ01 | Rejection of invention patent application after publication |