CN109978521B - Online transaction account system and online transaction method based on B2B platform - Google Patents
Online transaction account system and online transaction method based on B2B platform Download PDFInfo
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- CN109978521B CN109978521B CN201910205052.5A CN201910205052A CN109978521B CN 109978521 B CN109978521 B CN 109978521B CN 201910205052 A CN201910205052 A CN 201910205052A CN 109978521 B CN109978521 B CN 109978521B
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management
Abstract
The invention discloses an online transaction account system and an online transaction method based on a B2B platform, relates to the technical field of electronic payment business, and aims to solve the problem that the transaction efficiency is influenced by the transaction payment mode of the existing textile electronic commerce platform. The technical scheme is characterized in that the system comprises: the creation module is used for creating a member account by a user, binding and activating the member account, and automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created; the recharging module is used for recharging the corresponding bank account by the user, and updating the balance of the transaction platform account at regular time until the balance is consistent with the balance of the corresponding bank account; the payment module is used for the user to pay the money through the transaction platform sub-account; and the presenting module is used for presenting the user from the transaction platform sub-account. The online deposit and deposit is realized, and the method has the advantage of improving the transaction efficiency.
Description
Technical Field
The invention relates to the technical field of electronic payment business, in particular to an online transaction account system and an online transaction method based on a B2B platform.
Background
B2B (abbreviation of Business-to-Business) refers to Business modes of exchanging and transmitting data information between enterprises through private networks or Internet and carrying out transaction activities. The method combines the enterprise intranet and products and services of the enterprise with the clients through the B2B website or the mobile client, provides better services for the clients through quick response of the network, and therefore promotes business development of the enterprise.
With the expansion of the modern textile industry and the development of enterprises, electronic commerce platforms for textile services have also been developed, for example:
the system is developed aiming at the establishment of the network electronic commerce platform of a textile enterprise, the advertisement propaganda problem of the textile is analyzed, and the system is developed by adopting various Internet technologies in combination with the functional requirements of the system, and the main design of the system can be divided into two parts of the functional module design of the system and the key technology of the system. The textile display, inquiry and browsing and transaction are realized through the instant messaging of the network, and payment is carried out in a bank transfer mode during the transaction (generally, a large amount of bulk transaction of tens of thousands, hundreds of thousands or more).
However, the prior art solutions described above have the following drawbacks: when bulk transaction is carried out in a bank transfer mode, the operation is troublesome, the payment period (namely, the account arrival period) is long, and the transaction efficiency is influenced.
Disclosure of Invention
The invention aims to provide an online transaction account system and an online transaction method based on a B2B platform.
The first object of the invention is: the online transaction account system based on the B2B platform realizes online cash in and cash out and has the effect of improving transaction efficiency;
the second object of the invention is: the online transaction method based on the B2B platform solves the problem of online payment of bulk transactions and improves transaction efficiency.
The first object of the present invention is achieved by the following technical solutions:
an online transaction account system based on a B2B platform, comprising:
the creation module is used for creating a member account by a user and binding and activating the member account, and is also used for automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created;
the recharging module is used for recharging the corresponding bank account and updating the balance of the transaction platform account at regular time to be consistent with the balance of the corresponding bank account;
the payment module is used for enabling the user to pay the money through the transaction platform sub-account, and is also used for synchronously increasing or synchronously decreasing the paid amount of the corresponding transaction platform sub-account and the bank sub-account after the money is paid successfully;
the cash-out module is used for the user to cash out the transaction platform account, and is also used for synchronously reducing the cash-out amount of the transaction platform account and the bank account of the user after the user cash-out is successful;
the bank sub-account and the transaction platform sub-account comprise a recharging account and a loan profit account, and after the user is successfully presented, the presenting module synchronously subtracts the presented amount from the recharging account of the user's bank sub-account and the recharging account of the transaction platform sub-account.
By adopting the technical scheme, the transaction platform sub-account and the bank sub-account are synchronous, and the account amount is synchronously updated by the transaction platform sub-account after the user charges the bank sub-account through the bank account. The user can pay, recharge and pay back through the online account, online cash in and cash out are realized, the instantaneity is high, and the transaction efficiency can be improved.
The invention is further provided with: the creation module comprises:
the account opening unit is used for enabling a user to initiate an account opening application to a customer account opening interface of a bank; the client account opening interface is used for analyzing and processing an account opening application initiated by a user and generating trigger information I after the user accounts opening is successful;
the binding unit is used for receiving and responding to the first trigger information generated by the client account opening interface, and is also used for inputting binding account information by a user and sending the input binding account information to a binding client relationship interface of a bank after receiving the first trigger information generated by the client account opening interface; the binding client relation interface is used for analyzing and storing the received binding account information and generating triggering information II after the user is successfully bound;
the activation unit is used for receiving and responding to the second trigger information generated by the binding client relation interface, and is also used for initiating an activation transaction application to the activation interface of the bank after receiving the second trigger information generated by the binding client relation interface; the activation interface is used for generating a small amount random transfer operation prompt and sending the prompt to a client after receiving an activation transaction application; the activation interface is also used for acquiring the collection amount input by the user according to the small amount random transfer operation prompt and carrying out transfer operation after acquiring the collection amount;
after the transfer operation of the activation interface is successful, the activation unit sends prompt information of successful activation to the user and generates a piece of subscription information.
By adopting the technical scheme, the problem of remote account opening of enterprises or individuals is solved, and users can apply for and activate accounts through the Internet, so that time and labor cost are saved.
The invention is further provided with: the recharging module comprises:
the inquiry unit is used for accessing the bank balance inquiry interface at regular time to inquire whether the balance of the bank account of the user is consistent with the balance of the transaction platform account;
the calling unit is used for calling a bank access Jin Mingxi query interface to query the bank access statement information of the user when the query unit queries that the balance of the bank sub account of the user is inconsistent with the balance of the transaction platform sub account;
and the updating unit is used for increasing or decreasing the amount of money in the transaction platform recharging account of the user according to the bank access statement information inquired by the calling unit when the inquiring unit inquires that the balance of the bank sub account of the user is inconsistent with the balance in the transaction platform sub account.
By adopting the technical scheme, when the user bank account charges the bank sub-account, no delay exists, and the account can be quickly checked out. And the system can query the amount of the bank sub-account of the user at regular time, so that the amount in the transaction platform sub-account can be quickly consistent with the bank sub-account, and recharging is quick and efficient.
The invention is further provided with: the payment module includes:
the payment application unit is used for responding to the operation of a user and initiating an account payment application;
the payment interface unit is used for receiving the account payment application initiated by the payment application unit and calling a bank fund payment interface to pay after receiving the account payment application, and simultaneously creating a transaction record;
and the amount synchronization unit is used for synchronously reducing the paid amount of the transaction platform sub-account and the bank sub-account of the user and synchronously increasing the paid amount of the transaction platform sub-account and the bank sub-account of the seller after the bank funds payment interface is successful in payment.
By adopting the technical scheme, the quick cash discharge of bulk transactions is realized, the transaction efficiency is improved, and the user experience is good.
The invention is further provided with: the presenting module comprises:
the presenting application unit is used for responding to the operation of a user and initiating a presenting application;
the verification unit is used for enabling an administrator to verify the verification application initiated by the verification application unit and generating a piece of judgment information after verification is passed;
the cash-out interface unit is used for calling a bank fund cash-out interface to carry out cash-out operation after the cash-out auditing unit generates judgment information;
and the amount matching unit is used for synchronously reducing the amount to be presented by the platform recharging account and the bank recharging account of the user after the bank funds are successfully presented by the Jin Jiekou.
By adopting the technical scheme, the user can present the amount in the account (namely, the account is transferred from the bank sub-account to the bank account), and after the presentation is successful, the platform recharging account and the bank recharging account synchronously reduce the corresponding amount, so that the safety and the convenience are high.
The second object of the present invention is achieved by the following technical solutions:
an online transaction method based on a B2B platform, comprising:
creating a member account, binding and activating the member account, and automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created;
entrusting clients to recharge the bank account, and the transaction platform updates the balance of the transaction platform account at regular time to be consistent with the balance of the corresponding bank account;
carrying out payment of the goods through the transaction platform sub-account, and synchronously increasing or decreasing the paid amount of the transaction platform sub-account and the corresponding bank sub-account after the payment of the goods is successful;
the method comprises the steps of presenting from a transaction platform sub-account, and synchronously reducing the presented amount of money by the transaction platform sub-account and a corresponding bank sub-account after the presentation is successful;
the bank sub-account and the transaction platform sub-account comprise a recharging account and a loan profit account, and after the cash is successfully presented, the presented amount is synchronously subtracted from the recharging accounts of the corresponding bank sub-account and the transaction platform sub-account.
By adopting the technical scheme, the user can pay and pay back through the transaction account. The amount of the bank sub-account is kept consistent with the amount of the transaction platform sub-account, so that the B2B transaction based on the Internet forms a closed loop, the problem of online payment of mass transactions of the existing textile electronic commerce platform is solved, and the transaction efficiency is improved.
The invention is further provided with: creating a member account, binding and activating the member account, and automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created, wherein the method specifically comprises the following steps of:
stage one, the application stage of opening an account:
a1, initiating an account opening application to a client account opening interface, wherein the account opening application comprises authentication information of individuals or enterprises;
a2, analyzing and processing the received account opening application by the client account opening interface;
a3, judging whether the account opening is successful, entering a stage II if the account opening is successful, and returning to the step A1 if the account opening is unsuccessful;
stage two, binding customer relationship stage:
b1, inputting binding account information and sending the input binding account information to a binding client relationship interface;
b2, the binding client relationship interface analyzes and stores the received binding account information;
b3, judging whether the binding is successful, if so, entering a stage III, and if not, returning to the step B1;
stage three, account activation stage:
c1, initiating an activation transaction application to an activation interface;
c2, after receiving the transaction activating application, the activating interface generates a small amount random transfer operation prompt and returns the prompt to the client;
c3, prompting to input the collection amount according to the received small amount random transfer operation, and sending the input collection amount to the activation interface;
c4, the activation interface carries out transfer operation according to the received collection amount;
c5, judging whether the transfer is successful, if so, returning a prompt message of successful activation to the client, and if not, returning to the step C1;
in step C5, if the transfer is judged to be successful, a piece of subscription information is generated, and the generated subscription information is recorded in the transaction platform.
By adopting the technical scheme, the user can remotely open an account online under the condition of no attendance, so that the time cost of the user is saved, and the user experience is improved.
The invention is further provided with: the transaction platform updates the balance of the transaction platform account until the balance is consistent with the balance of the corresponding bank account, and specifically comprises the following steps:
d1, a transaction platform is accessed to a bank balance inquiry interface at fixed time to inquire whether a bank account of a consignment client is consistent with the balance in the transaction platform account;
d2, returning to the step D1 if the balance of the bank sub-account is consistent with that of the transaction platform sub-account; if the balance in the bank sub-account is inconsistent with the balance in the transaction platform sub-account, entering a step D3;
and D3, calling a bank access Jin Mingxi query interface to query the bank access statement information of the consignment client, increasing or reducing the amount of money in the transaction platform recharging account of the consignment client according to the queried bank access statement information, and updating the transaction record of the consignment client in the transaction platform.
By adopting the technical scheme, the transaction platform is accessed into the bank balance inquiry interface at fixed time, so that the balance in the transaction platform sub-account is ensured to be consistent with the balance in the bank sub-account, and the safety is high.
The invention is further provided with: carrying out payment of the goods through the transaction platform sub-account, and after the payment of the goods is successful, synchronously increasing or decreasing the paid amount of the transaction platform sub-account and the corresponding bank sub-account, wherein the method specifically comprises the following steps of:
e1, entrusting a client to initiate an account payment application to a transaction platform;
e2, after receiving the account payment application, the transaction platform calls a bank fund payment interface to pay, and simultaneously creates a transaction record;
e3, judging whether the bank funds payment interface is successful in payment, if so, entering a step E4, and if not, returning to the step E1;
e4, synchronously reducing the payment amount by entrusting the transaction platform sub-account and the bank sub-account of the client, and synchronously increasing the payment amount by entrusting the transaction platform sub-account and the bank sub-account of the seller;
after the step E3 is finished, the transaction record created in the step E2 is updated according to the determination result in the step E3.
By adopting the technical scheme, quick payment can be realized through the transaction account, and both parties of the buyer and the seller can obtain quick response, so that the transaction efficiency is improved, and the user experience is better.
The invention is further provided with: the method comprises the steps of presenting from a transaction platform sub-account, after the presentation is successful, synchronously reducing the presented amount by the transaction platform sub-account and the corresponding bank sub-account, and specifically comprises the following steps:
f1, entrusting a client to initiate a withdrawal application to a transaction platform;
f2, the transaction platform examines the present application after receiving the present application, and creates a cash-out transaction record; f3, if the verification is passed, the step F3 is carried out, and if the verification is not passed, the step F1 is returned;
f3, calling a bank fund cash-out interface to carry out cash-out operation;
f4, judging whether the presentation is successful, if so, entering a step F5, and if not, returning to the step F1;
f5, synchronously reducing the amount of money to be presented by a platform recharging account and a bank recharging account of the entrusted client;
after the step F4 is finished, the cash transaction record created in the step F2 is updated according to the determination result of the step F4.
By adopting the technical scheme, the amounts of the platform recharging account and the bank recharging account can be kept consistent rapidly no matter whether the transaction account is charged or discharged, and the method has the advantage of high efficiency.
In summary, the beneficial technical effects of the invention are as follows:
1. the bank sub-account and the transaction platform sub-account are arranged, so that the problem of online payment of bulk transaction is solved, and the transaction efficiency is improved;
2. through the arrangement of the account opening unit, the binding unit and the activating unit, the function of online remote account opening of the user is realized, and the time and labor cost of the user are saved;
3. through the arrangement of the bank balance inquiry interface, the bank fund payment interface and the bank fund cash-out interface, the consistency of the amount of the bank sub-account and the transaction platform sub-account can be rapidly maintained, and the experience of the user is improved.
Drawings
FIG. 1 is a schematic diagram of an overall architecture of an online transaction account system based on a B2B platform according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of another B2B platform-based online transaction account system according to an embodiment of the invention;
FIG. 3 is a flow chart of an online transaction method based on a B2B platform according to a second embodiment of the present invention;
FIG. 4 is a flowchart of step S1 in an online transaction method based on a B2B platform according to a second embodiment of the present invention;
FIG. 5 is a flowchart of step S2 in an online transaction method based on a B2B platform according to a second embodiment of the present invention;
FIG. 6 is a flowchart of step S3 in the online transaction method based on the B2B platform according to the second embodiment of the present invention;
fig. 7 is a flowchart of step S4 in the online transaction method based on the B2B platform according to the second embodiment of the present invention.
In the figure, 10, a module is created; 11. an account opening unit; 12. a binding unit; 13. an activating unit; 20. a recharging module; 21. a query unit; 22. a calling unit; 23. an updating unit; 30. a payment module; 31. a payment application unit; 32. a payment interface unit; 33. an amount synchronization unit; 40. a cash-out module; 41. a filing and presenting application unit; 42. a cash-out auditing unit; 43. a gold outlet interface unit; 44. and an amount matching unit.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
Example 1
Referring to fig. 1, an online transaction account system based on a B2B platform according to the present invention includes a creation module 10, a recharging module 20, a payment module 30, and a presentation module 40.
The creation module 10 is configured to allow a user to create a member account and bind and activate the member account, and after the member account is created, the creation module 10 automatically generates a corresponding bank sub-account and transaction platform sub-account.
The recharging module 20 is used for recharging the corresponding bank account, and is also used for updating the balance of the transaction platform account at regular time to be consistent with the balance of the corresponding bank account.
The payment module 30 is used for the user to pay the payment through the transaction platform sub-account, and after the corresponding payment is successful, the payment module 30 increases the payment amount by the transaction platform sub-account and the bank sub-account of the seller user, and simultaneously decreases the payment amount by the transaction platform sub-account and the bank sub-account of the buyer user.
The presenting module 40 is used for presenting the user from the transaction platform sub-account, and after the user presents successfully, the transaction platform sub-account and the bank sub-account of the user are synchronously reduced to the presented amount. Specifically, the bank sub-account and the transaction platform sub-account each include a recharging account and a loan profit account, and after the user is successfully presented, the presenting module 40 synchronously subtracts the presented amount from the recharging account of the bank sub-account and the recharging account of the transaction platform sub-account of the user.
Referring to fig. 2, the creation module 10 includes an account opening unit 11, a binding unit 12, and an activation unit 13.
The account opening unit 11 is used for a user to initiate an account opening application to a customer account opening interface of a bank. The client account opening interface is used for analyzing and processing an account opening application initiated by a user and generating trigger information I after the user accounts opening is successful. Specifically, the user initiated account opening application includes information such as a client type, a client name, a certificate type, a certificate number, and the like.
The binding unit 12 is configured to receive and respond to the first trigger information generated by the client opening interface, and after receiving the first trigger information generated by the client opening interface, the user can input the binding account information. After the user inputs the binding account information, the binding unit 12 transmits the input binding account information to the binding client relationship interface of the bank. The binding client relation interface is used for analyzing and storing the received binding account information and generating triggering information II after the user is successfully bound. Specifically, the binding account information includes a binding account number, an account name, an account opening line number, an account opening line name, and the like.
The activation unit 13 is configured to receive and respond to the second trigger information generated by the binding client relationship interface, and after receiving the second trigger information generated by the binding client relationship interface, initiate an activation transaction application to an activation interface of the bank. The activation interface, upon receiving the activation transaction application, generates a small amount random transfer operation prompt and sends the prompt to the customer. After the user inputs the collection amount according to the small amount random transfer operation prompt, the activation interface can acquire the collection amount, and transfer operation is performed after the collection amount is acquired. Specifically, after the transfer operation of the activation interface is successful, the activation unit 13 sends a prompt message of successful activation (that is, indicates that activation is successful) to the user, and generates a piece of subscription information, where the subscription information includes a transaction platform number, a subscription client name, a bound account opening line number, a bound account opening line name, a date, a status, and the like.
Referring to fig. 2, the recharge module 20 includes a query unit 21, a call unit 22, and an update unit 23. The query unit 21 is used for accessing the bank balance query interface at regular time to query whether the balance of the bank account of the user is consistent with the balance of the transaction platform account. The calling unit 22 is configured to, when the inquiring unit 21 inquires that the balance in the bank account of the user is inconsistent with the balance in the transaction platform account, call the bank access Jin Mingxi inquiry interface to inquire the bank access statement information of the user. The updating unit 23 is configured to increase or decrease the amount of money in the transaction platform recharging account of the customer according to the bank access statement information queried by the invoking unit 22 when the querying unit 21 queries that the balance in the bank account of the customer is inconsistent with the balance in the transaction platform account. When there is a change in the bank entry/exit statement information that is searched by the calling unit 22, the updating unit 23 updates and stores the customer transaction record.
Referring to fig. 2, the payment module 30 includes a payment application unit 31, a payment interface unit 32, and an amount synchronization unit 33. The payment application unit 31 is configured to respond to an operation of a user and initiate an account payment application. The payment interface unit 32 is configured to receive an account payment application initiated by the payment application unit 31, and to invoke a bank funds payment interface to make a payment after receiving the account payment application, while creating a transaction record. The amount synchronization unit 33 is configured to, after the bank funds payment interface is successful, synchronize the transaction platform sub-account and the bank sub-account of the entrusted customer (i.e., the buyer user) to decrease the amount of the payment, and synchronize the transaction platform sub-account and the bank sub-account of the seller user to increase the amount of the payment. At the same time, the amount synchronization unit 33 updates the transaction record created by the payment interface unit 32.
Referring to fig. 2, the cash out module 40 includes a cash out application unit 41, a cash out audit unit 42, a cash out Jin Jiekou unit 43, and an amount matching unit 44. The presenting application unit 41 is configured to respond to an operation of a user and initiate a presenting application. The present auditing unit 42 is used for an administrator (which may be a financial auditor of the transaction platform) to audit the present application initiated by the present application unit 41, and generate a piece of judgment information after the audit is passed. The cash out interface unit 43 is used for calling the bank fund cash out interface to carry out cash out operation after the cash out auditing unit 42 generates the judging information. The amount matching unit 44 is configured to synchronize the platform recharging account and the bank recharging account of the entrusted user to reduce the amount of money to be presented after the bank funds are successfully presented by the bank funds outlet Jin Jiekou.
Example two
Referring to fig. 3, the invention discloses an online transaction method based on a B2B platform, which comprises the following steps:
s1, creating a member account, binding and activating the member account, and automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created.
S2, entrusting the client to recharge the bank account, and updating the balance of the transaction platform account by the transaction platform at regular time until the balance is consistent with the balance of the corresponding bank account.
S3, carrying out payment of the goods through the transaction platform sub-account, after the payment of the goods is successful, increasing the paid amount of the transaction platform sub-account and the bank sub-account of the seller user, and simultaneously reducing the paid amount of the transaction platform sub-account and the bank sub-account of the buyer user.
S4, the cash is presented from the transaction platform sub-account, and after the cash is presented successfully, the cash is presented by synchronously reducing the cash amount of the transaction platform sub-account and the corresponding bank sub-account. Specifically, the bank sub-account and the transaction platform sub-account both comprise a recharging account and a loan profit account, and after the user is successfully presented, the presenting module synchronously subtracts the presented amount from the recharging account of the bank sub-account and the recharging account of the transaction platform sub-account of the user.
Referring to fig. 4, step S1 specifically includes the steps of:
stage one, the application stage of opening an account:
a1, initiating an account opening application to a client account opening interface, wherein the account opening application comprises authentication information of individuals or enterprises; specifically, the authentication information includes information such as a client type, a client name, a certificate type, a certificate number, and the like;
a2, analyzing and processing the received account opening application by the client account opening interface;
a3, judging whether the account opening is successful, entering a stage II if the account opening is successful, and returning to the step A1 if the account opening is unsuccessful;
stage two, binding customer relationship stage:
b1, inputting binding account information and sending the input binding account information to a binding client relationship interface; specifically, the binding account information comprises a binding account number, an account name, an account opening line number, an account opening line name and the like;
b2, the binding client relationship interface analyzes and stores the received binding account information;
b3, judging whether the binding is successful, if so, entering a stage III, and if not, returning to the step B1;
stage three, account activation stage:
c1, initiating an activation transaction application to an activation interface;
c2, after receiving the transaction activating application, the activating interface generates a small amount random transfer operation prompt and returns the prompt to the client;
c3, after the single customer inputs the collection amount according to the received small amount random transfer operation prompt, the collection amount input by the customer is sent to the activation interface;
c4, the activation interface carries out transfer operation according to the received collection amount;
c5, judging whether the transfer is successful, if so, returning a prompt message of successful activation to the client, and if not, returning to the step C1; specifically, if the transfer is judged to be successful, generating a piece of subscription information, and recording the generated subscription information in a transaction platform; the subscription information comprises a transaction platform number, a subscription client name, a binding account opening line number, a binding account opening line name, a date, a state and the like.
Referring to fig. 5, step S2 specifically includes the steps of:
d1, a transaction platform is accessed to a bank balance inquiry interface at fixed time to inquire whether a bank account of a consignment client is consistent with the balance in the transaction platform account;
d2, returning to the step D1 if the balance of the bank sub-account is consistent with that of the transaction platform sub-account; if the balance in the bank sub-account is inconsistent with the balance in the transaction platform sub-account, entering a step D3;
and D3, calling a bank access Jin Mingxi query interface to query the bank access statement information of the consignment client, increasing or reducing the amount of money in the transaction platform recharging account of the consignment client according to the queried bank access statement information, and updating the transaction record of the consignment client in the transaction platform.
Referring to fig. 6, step S3 specifically includes the steps of:
e1, entrusting a client to initiate an account balance payment application to a transaction platform;
e2, after receiving the account payment application, the transaction platform calls a bank fund payment interface to pay, and simultaneously creates a transaction record;
e3, judging whether the bank funds payment interface is successful in payment, if so, entering a step E4, and if not, returning to the step E1; meanwhile, after the step E3 is finished, updating the transaction record created in the step E2 according to the judgment result of the step E3;
and E4, synchronously reducing the paid amount by the transaction platform sub-account and the bank sub-account of the entrusted client (namely, the buyer user), and synchronously increasing the paid amount by the transaction platform sub-account and the bank sub-account of the seller.
Referring to fig. 7, step S4 specifically includes the steps of:
f1, entrusting a client to initiate a withdrawal application to a transaction platform;
f2, the transaction platform examines the present application after receiving the present application, and creates a cash-out transaction record; f3, if the verification is passed, the step F3 is carried out, and if the verification is not passed, the step F1 is returned;
f3, calling a bank fund cash-out interface to carry out cash-out operation;
f4, judging whether the presentation is successful, if so, entering a step F5, and if not, returning to the step F1; meanwhile, after the step F4 is finished, updating the cash-out transaction record created in the step F2 according to the judgment result of the step F4;
and F5, synchronously reducing the amount of the money submitted by the platform recharging account and the bank recharging account of the entrusted client.
The embodiments of the present invention are all preferred embodiments of the present invention, and are not intended to limit the scope of the present invention in this way, therefore: all equivalent changes in structure, shape and principle of the invention should be covered in the scope of protection of the invention.
Claims (6)
1. An online transaction account system based on a B2B platform, comprising:
the creation module (10) is used for creating a member account by a user and binding and activating the member account, and is also used for automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created;
the recharging module (20) is used for recharging the corresponding bank sub-account by a user, and is also used for updating the balance of the transaction platform sub-account to be consistent with the balance of the corresponding bank sub-account at regular time;
the payment module (30) is used for enabling the user to pay the money through the transaction platform sub-account, and is also used for synchronously increasing or synchronously decreasing the paid amount of the corresponding transaction platform sub-account and the bank sub-account after the money is paid successfully;
the cash-out module (40) is used for providing cash out from the transaction platform sub-account for the user, and is also used for synchronously reducing the cash-out amount of the transaction platform sub-account and the bank sub-account of the user after the cash-out of the user is successful;
the bank sub-account and the transaction platform sub-account both comprise a recharging account and a loan profit account, and after the user is successfully presented, the presenting module (40) synchronously subtracts the presented amount from the recharging account of the user's bank sub-account and the recharging account of the transaction platform sub-account;
the creation module (10) comprises:
an account opening unit (11) for a user to initiate an account opening application to a customer account opening interface of a bank; the client account opening interface is used for analyzing and processing an account opening application initiated by a user and generating trigger information I after the user accounts opening is successful;
the binding unit (12) is used for receiving and responding to the first trigger information generated by the client account opening interface, and is also used for inputting binding account information by a user and sending the input binding account information to a binding client relation interface of a bank after receiving the first trigger information generated by the client account opening interface; the binding client relation interface is used for analyzing and storing the received binding account information and generating triggering information II after the user is successfully bound;
the activating unit (13) is used for receiving and responding to the second triggering information generated by the binding client relation interface and initiating an activating transaction application to an activating interface of the bank after receiving the second triggering information generated by the binding client relation interface; the activation interface is used for generating a small amount random transfer operation prompt and sending the prompt to a client after receiving an activation transaction application; the activation interface is also used for acquiring the collection amount input by the user according to the small amount random transfer operation prompt and carrying out transfer operation after acquiring the collection amount;
after the transfer operation of the activation interface is successful, the activation unit (13) sends prompt information of successful activation to the user and generates a piece of subscription information;
the recharging module (20) comprises:
the inquiring unit (21) is used for periodically accessing the bank balance inquiring interface to inquire whether the balance in the bank account of the user is consistent with the balance in the transaction platform account;
the calling unit (22) is used for calling a bank access Jin Mingxi query interface to query the bank access statement information of the user when the query unit (21) queries that the balance of the bank sub account of the user is inconsistent with the balance of the transaction platform sub account;
the updating unit (23) is used for increasing or decreasing the amount of money in the transaction platform recharging account of the user according to the bank access statement information inquired by the calling unit (22) when the inquiring unit (21) inquires that the balance in the bank sub account of the user is inconsistent with the balance in the transaction platform sub account;
when the bank access statement information inquired by the calling unit (22) has information change, the updating unit (23) updates and stores the client transaction record.
2. The B2B platform based online transaction account system of claim 1, wherein the payment module (30) comprises:
a payment application unit (31) for responding to an operation of a user and initiating an account payment application;
the payment interface unit (32) is used for receiving an account payment application initiated by the payment application unit (31) and calling a bank fund payment interface to pay after receiving the account payment application, and simultaneously creating a transaction record;
and the amount synchronization unit (33) is used for synchronously reducing the paid amount of the transaction platform sub-account and the bank sub-account of the user and synchronously increasing the paid amount of the transaction platform sub-account and the bank sub-account of the seller after the successful payment of the bank funds payment interface.
3. The B2B platform based online transaction account system of claim 1, wherein the presentation module (40) comprises:
a presenting application unit (41) for responding to an operation of a user and initiating a presenting application;
the presenting and checking unit (42) is used for an administrator to check the presenting application initiated by the presenting application unit (41) and generate a piece of judgment information after the checking is passed;
the cash-out interface unit (43) is used for calling a bank fund cash-out interface to carry out cash-out operation after the cash-out auditing unit (42) generates judgment information;
and the amount matching unit (44) is used for synchronously reducing the amount to be presented by the platform recharging account and the bank recharging account of the user after the bank fund out Jin Jiekou is successfully presented.
4. An online transaction method based on a B2B platform, comprising:
creating a member account, binding and activating the member account, and automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created;
entrusting clients to recharge the bank account, and the transaction platform updates the balance of the transaction platform account at regular time to be consistent with the balance of the corresponding bank account;
carrying out payment of the goods through the transaction platform sub-account, and synchronously increasing or decreasing the paid amount of the transaction platform sub-account and the corresponding bank sub-account after the payment of the goods is successful;
the method comprises the steps of presenting from a transaction platform sub-account, and synchronously reducing the presented amount of money by the transaction platform sub-account and a corresponding bank sub-account after the presentation is successful;
the bank sub-account and the transaction platform sub-account comprise a recharging account and a loan profit account, and after the cash is successfully presented, the presented amount is synchronously subtracted from the recharging accounts of the corresponding bank sub-account and the transaction platform sub-account;
creating a member account, binding and activating the member account, and automatically generating a corresponding bank sub-account and a corresponding transaction platform sub-account after the member account is created, wherein the method specifically comprises the following steps of:
stage one, the application stage of opening an account:
a1, initiating an account opening application to a client account opening interface, wherein the account opening application comprises authentication information of individuals or enterprises;
a2, analyzing and processing the received account opening application by the client account opening interface;
a3, judging whether the account opening is successful, entering a stage II if the account opening is successful, and returning to the step A1 if the account opening is unsuccessful;
stage two, binding customer relationship stage:
b1, inputting binding account information and sending the input binding account information to a binding client relationship interface;
b2, the binding client relationship interface analyzes and stores the received binding account information;
b3, judging whether the binding is successful, if so, entering a stage III, and if not, returning to the step B1;
stage three, account activation stage:
c1, initiating an activation transaction application to an activation interface;
c2, after receiving the transaction activating application, the activating interface generates a small amount random transfer operation prompt and returns the prompt to the client;
c3, prompting to input the collection amount according to the received small amount random transfer operation, and sending the input collection amount to the activation interface;
c4, the activation interface carries out transfer operation according to the received collection amount;
c5, judging whether the transfer is successful, if so, returning a prompt message of successful activation to the client, and if not, returning to the step C1;
in step C5, if the transfer is judged to be successful, a piece of subscription information is generated, and the generated subscription information is recorded in the transaction platform;
the transaction platform updates the balance of the transaction platform account until the balance is consistent with the balance of the corresponding bank account, and specifically comprises the following steps:
d1, a transaction platform is accessed to a bank balance inquiry interface at fixed time to inquire whether a bank account of a consignment client is consistent with the balance in the transaction platform account;
d2, returning to the step D1 if the balance of the bank sub-account is consistent with that of the transaction platform sub-account; if the balance in the bank sub-account is inconsistent with the balance in the transaction platform sub-account, entering a step D3;
and D3, calling a bank access Jin Mingxi query interface to query the bank access statement information of the consignment client, increasing or reducing the amount of money in the transaction platform recharging account of the consignment client according to the queried bank access statement information, and updating the transaction record of the consignment client in the transaction platform.
5. The B2B platform based online transaction method according to claim 4, wherein the payment of the money is made through the transaction platform sub-account, and after the payment of the money is successful, the transaction platform sub-account and the corresponding bank sub-account are synchronously increased or decreased for the amount of money paid, comprising the steps of:
e1, entrusting a client to initiate an account payment application to a transaction platform;
e2, after receiving the account payment application, the transaction platform calls a bank fund payment interface to pay, and simultaneously creates a transaction record;
e3, judging whether the bank funds payment interface is successful in payment, if so, entering a step E4, and if not, returning to the step E1;
e4, synchronously reducing the payment amount by entrusting the transaction platform sub-account and the bank sub-account of the client, and synchronously increasing the payment amount by entrusting the transaction platform sub-account and the bank sub-account of the seller;
after the step E3 is finished, the transaction record created in the step E2 is updated according to the determination result in the step E3.
6. The B2B platform based online transaction method of claim 4, wherein the transaction platform sub-account is presented from the transaction platform, and after the presentation is successful, the transaction platform sub-account and the corresponding bank sub-account are synchronously reduced by the presented amount, and the method specifically comprises the following steps:
f1, entrusting a client to initiate a withdrawal application to a transaction platform;
f2, the transaction platform examines the present application after receiving the present application, and creates a cash-out transaction record; f3, if the verification is passed, the step F3 is carried out, and if the verification is not passed, the step F1 is returned;
f3, calling a bank fund cash-out interface to carry out cash-out operation;
f4, judging whether the presentation is successful, if so, entering a step F5, and if not, returning to the step F1;
f5, synchronously reducing the amount of money to be presented by a platform recharging account and a bank recharging account of the entrusted client;
after the step F4 is finished, the cash transaction record created in the step F2 is updated according to the determination result of the step F4.
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| CN110599185A (en) * | 2019-07-30 | 2019-12-20 | 上海数据交易中心有限公司 | Account synchronization method and device, data transaction system, storage medium and terminal |
| CN110580620A (en) * | 2019-08-12 | 2019-12-17 | 上海摩库数据技术有限公司 | Chemical field B2B-based online payment account layering method |
| CN113056761A (en) * | 2019-10-28 | 2021-06-29 | 海付移通科技香港有限公司 | Payment platform management method, device, payment platform and computer storage medium |
| CN111309745B (en) * | 2020-02-10 | 2022-04-22 | 腾讯科技（深圳）有限公司 | Virtual resource processing method and device, electronic equipment and storage medium |
| CN111738708B (en) * | 2020-06-19 | 2024-04-26 | 中国建设银行股份有限公司 | Data processing method, device, server and storage medium |
| CN111915470A (en) * | 2020-07-31 | 2020-11-10 | 昆山软富智能科技有限公司 | Wisdom endowment cash management business system |
| CN111784336B (en) * | 2020-07-31 | 2021-10-01 | 北京斗米优聘科技发展有限公司 | Platform capital account management method, system and storage medium |
| CN111917779B (en) * | 2020-08-04 | 2022-10-21 | 北京金山云网络技术有限公司 | Data processing method, device and system based on target account and server equipment |
| CN112070602B (en) * | 2020-09-10 | 2021-05-07 | 云加数据科技(深圳)有限公司 | Method and system for tracking and accounting virtual account of bank |
| CN113469672B (en) * | 2021-07-08 | 2023-12-12 | 杭州米络星科技(集团)有限公司 | Online payment account separating method and device, server and storage medium |
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