CN113298512A

CN113298512A - Capital data information processing method and device and electronic equipment

Info

Publication number: CN113298512A
Application number: CN202011602344.1A
Authority: CN
Inventors: 杨炳滨; 王颖; 段霂钰; 金欣煜; 陈曦; 張創城; 朱江琨; 林烁挺; 郭燕; 郭正敏; 邢力; 罗威; 王伊莹
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Singapore Holdings Pte Ltd
Priority date: 2020-12-29
Filing date: 2020-12-29
Publication date: 2021-08-24

Abstract

The embodiment of the application discloses a fund data information processing method, a fund data information processing device and electronic equipment, wherein the fund data information processing method comprises the following steps: receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system; performing risk assessment on the in-transit fund data; determining a target amount if the risk assessment result meets the target condition; and sending a transfer request to an associated financial institution system, wherein the transfer request is used for transferring the fund data corresponding to the target amount from a third account to the first account. By the embodiment of the application, the influence on the payee user due to the fact that the fund is too long in transit time can be reduced.

Description

Capital data information processing method and device and electronic equipment

Technical Field

The present application relates to the field of capital data processing technologies, and in particular, to a capital data information processing method, apparatus, and electronic device.

Background

In the commodity object information service system, there are several modes such as B2C (merchant to consumer), C2C (consumer to consumer), B2B (merchant to merchant), and the like. In the mode of B2C or C2C, after the buyer user completes the order on line, the buyer user can pay on line directly. In the transaction scenario of B2B, the amount of the order involved is often large, so after the buyer and seller complete placing the order online, the buyer and seller usually need to pay by sending the order offline. In particular, the seller user may typically provide a collection account to the buyer user, who then proceeds to bank to send money to the collection account. However, in the remittance process, there are problems that information is not transparent and the time for payment is long due to the processing time between banks. Particularly in cross-border commerce, often cross-border remittance times are 3-7 days or even longer.

The presence of the above situation causes the following problems: since the amount of money involved in the transaction order in the B2B scenario is often large, when the remittance account time is long, the seller user may have difficulty in fund transfer, and the like, and further may affect the replenishment process, and affect generation of more transaction orders, and the like.

Disclosure of Invention

The application provides a fund data information processing method, a fund data information processing device and electronic equipment, which can reduce the influence on a payee user due to too long fund in-transit time.

The application provides the following scheme:

a method of fund data information processing, comprising:

receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

performing risk assessment on the in-transit fund data;

determining a target amount if the risk assessment result meets the target condition;

and sending a transfer request to an associated financial institution system, wherein the transfer request is used for transferring the fund data corresponding to the target amount from a third account to the first account.

A method of fund data information processing, comprising:

providing a fund information display page for a first user;

displaying the fund data posted by the associated first account in the fund information display page, and providing an operation option for associating transaction order information with the posted fund data; the entered fund data is fund data transferred from a third account to the first account by a commodity object information system through an associated financial institution system after the in-transit fund data is generated by the first account;

and receiving input transaction order information through the operation options and submitting the transaction order information to the server.

A transaction order information display method comprises the following steps:

receiving a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

acquiring information of the target trading order, wherein the information of the target trading order comprises: information of posted funds data associated with the target trade order; the posted funds data is funds data transferred from a third account to the first account by the merchandise object information system through the associated financial institution system after the associated first account generates in-transit funds data;

and displaying the information of the credited fund data in a detail information page of the target transaction order.

A fund data information processing apparatus comprising:

a notification message receiving unit for receiving a notification message regarding the generation of in-transit fund data by the first account; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

a risk assessment unit for performing risk assessment on the in-transit fund data;

a target amount determination unit for determining a target amount if the risk assessment result meets the target condition;

and the transfer request unit is used for sending a transfer request to the associated financial institution system, and the transfer request is used for transferring the fund data corresponding to the target amount from the third account to the first account.

A fund data information processing apparatus comprising:

the fund information page providing unit is used for providing a fund information display page for the first user;

the related option providing unit is used for displaying the fund data posted in the related first account in the fund information display page and providing an operation option for associating the posted fund data with transaction order information; the entered fund data is fund data transferred from a third account to the first account by a commodity object information system through an associated financial institution system after the in-transit fund data is generated by the first account; (ii) a

And the transaction order information submitting unit is used for receiving the input transaction order information through the operation options and then submitting the transaction order information to the server.

A transaction order information display apparatus comprising:

the checking request receiving unit is used for receiving a checking request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

an order information obtaining unit, configured to obtain information of the target trade order, where the information of the target trade order includes: information of posted funds data associated with the target trade order; the posted funds data is funds data transferred from a third account to the first account by the merchandise object information system through the associated financial institution system after the associated first account generates in-transit funds data;

and the display unit is used for displaying the information of the entered fund data in a detail information page of the target transaction order.

According to the specific embodiments provided herein, the present application discloses the following technical effects:

through the embodiment of the application, the event generating the in-transit fund data in the first account can be sensed, the risk evaluation is carried out on the in-transit fund data, and if the evaluation is passed, the fund data of the target amount can be transferred from the third account to the first account. In this way, the associated first user may receive the specific funds for posting in advance before the specific funds-in-transit data actually completes posting in the first account, reducing the impact on the payee user due to the funds being too long in-transit. For example, the payment fund of the account can be withdrawn for replenishment, so as to ensure that the stock of the commodity object is sufficient, keep the saleable state and further avoid influencing the achievement of subsequent transactions.

The ownership rights of the third account and the first account can be commodity object information systems, and even can be related to the same financial institution, so that the situations such as cross-border transfer do not exist usually, and the limitation of the amount is not caused usually, and therefore, the online 'quick account-finding' and even 'instant account-finding' can be realized.

Of course, it is not necessary for any product to achieve all of the above-described advantages at the same time for the practice of the present application.

Drawings

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

FIG. 1 is a schematic diagram of a system architecture provided by an embodiment of the present application;

FIG. 2 is a flow chart of a first method provided by an embodiment of the present application;

FIG. 3 is a schematic view of a first interface provided by an embodiment of the present application;

FIG. 4 is a schematic view of a second interface provided by an embodiment of the present application;

FIG. 5 is a schematic diagram of an interaction timing relationship provided in an embodiment of the present application;

FIG. 6 is a flow chart of a second method provided by embodiments of the present application;

FIG. 7 is a flow chart of a third method provided by embodiments of the present application;

FIG. 8 is a schematic diagram of a first apparatus provided by an embodiment of the present application;

FIG. 9 is a schematic diagram of a second apparatus provided by an embodiment of the present application;

FIG. 10 is a schematic diagram of a third apparatus provided by an embodiment of the present application;

fig. 11 is a schematic diagram of an electronic device provided in an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments that can be derived from the embodiments given herein by a person of ordinary skill in the art are intended to be within the scope of the present disclosure.

It should be noted that, in the prior art, after a trade order is generated, the commodity object information system usually only provides two states of payment waiting and payment completion for the trade order. In a cross-border transaction, or in a B2B scenario where the amount of the order involved is relatively large, since the buyer user may pay for the order by sending a money transfer offline, the time required to transfer money from the buyer user to the buyer user's account may be relatively long since the money transfer is required across countries and financial institutions until the buyer user's account is checked out. In addition, because the transaction order is generated online and the payment operation is completed online, a relatively long time is often required to complete the posting from the seller user's account to the association to the particular transaction order and to drive the order to a payment complete status. Before the transaction order is driven to the payment completion state, it is difficult for the seller user to confirm whether the buyer user has paid, whether the specific payment can be successfully completed for posting, and so on.

In the embodiment of the present application, in order to shorten the fulfillment time of the trade order, a specific commodity object information system may cooperate with an in-transit fund network system, which may be provided by an international organization, may collect data generated by a plurality of banks participating in the network worldwide, and may notify the commodity object information system if it is found that a certain first account generates in-transit fund data. And then, the commodity object information system can also carry out risk evaluation on the in-transit fund data, and can carry out ' payment backing ' on the first account under the condition that the risk evaluation result meets the condition, and the funds of the payment backing ' can be rapidly checked in the first account, so that the waiting check-in time of the seller user is shortened. The seller user can directly carry out cash withdrawal processing on the part of payment fund for replenishment and the like so as to ensure that the inventory is sufficient and support the generation of more transaction orders. In addition, the fund data of the specific payment can be associated with the specific transaction order, and the seller user can enter the fulfillment process in advance after receiving the payment of the specific transaction order, so that the fulfillment waiting time is shortened, and the user experience of the buyer and the seller is favorably improved.

In terms of system architecture, referring to fig. 1, in the embodiment of the present application, a corresponding fund payment related service function may be provided for a user mainly through a commodity object information system (specifically, a commodity object information system providing cross-border B2B service may be provided, and of course, other commodity object information systems may also be provided). The commodity object information system may be divided into a server and a client, and from the perspective of user identity, the client may be divided into a client corresponding to a seller user (which may be referred to as a first user in the embodiment of the present application) and a client corresponding to a buyer user (which may be referred to as a second user in the embodiment of the present application). The service end mainly interacts with the in-transit fund network system and provides account information needing to be monitored to the in-transit fund network system. The in-transit funds network system collects funds movement data generated by a plurality of financial institutions around the world, and when the first account in the set (which may be an account corresponding to a first user for collecting funds) generates in-transit funds data, the in-transit funds network system may notify the service end. After receiving the notification, the server side can perform risk assessment and specific fund payment processing. In addition, the server can also obtain transaction orders associated with the in-transit fund data. Wherein, when obtaining the specific associated transaction order information, if the second user provides the associated transaction order information in the appendix of the money transfer document during money transfer, the information can be extracted from the notification message provided by the in-transit fund network system. Alternatively, the first user may be provided with information about the in-transit fund data through the client, where the information may include payer user information (i.e., a second user who is a buyer user) and the like, and the first user does not provide an operation option for associating with the order information, so that the first user obtains the order information through communication with the second user and the like, and provides the order information to the server through the operation option. And the server can acquire the information of the transaction order associated with the in-transit fund data through the first user client. Alternatively, information from a trade order associated with the funds data may also be submitted by the second user via the client, and so on.

The following describes in detail specific implementations provided in embodiments of the present application.

Example one

First, in the first embodiment, a method for processing fund data information is provided from the perspective of a server of a commodity object information system, and referring to fig. 2, the method may specifically include:

s201: receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

in the embodiment of the present application, the specific in-transit fund data is the fund data which is transferred from the second account associated with the payer and transferred to the account with the first account associated with the payee as a target, but has not finished being credited to the first account. Such in-transit fund data may be particularly useful for paying for a trade order generated in a merchandise object information system. For example, after a certain buyer user completes a transaction with a seller user on line and generates a transaction order on line, payment is made for the transaction order in an offline remittance mode according to first account information provided by the seller user; however, due to the situations of cross border, cross bank and the like, the specific remitted fund data cannot be posted in the first account quickly, and the posting needs to be completed after several days. Therefore, the money data is classified as in-transit money data between the time when the buyer user completes remittance of the money data on line and the time when the first account of the seller user actually receives the money data.

The first account may be an account that is previously requested by the merchandise target information system from the associated financial institution and allocated to the seller user in the system. That is, the first account may be a plurality of accounts, and may specifically exist in the form of sub-accounts under a certain main account, and the ownership of the first account belongs to the merchandise object information system, but the usage right may belong to the seller user in the system. Typically, one or more first accounts may be assigned to a seller user, and the correspondence between the identity of the first account and the identity of the seller user may be maintained by the merchandise object information system. After the buyer user and the seller user generate a transaction order in an online transaction manner, if the situation that the amount of the order is large or cross-border payment is involved, the seller user can provide the first account allocated to the seller user by the system, and the buyer user can pay for the transaction order in a manner of remitting money through lines and the like.

That is, the first account for the seller user to collect money is actually a commodity object information system which applies for the financial institution in a unified way, and the ownership belongs to the commodity object information system and only gives the use right to the seller user; thus, the merchandise object information system may be aware of which primary accounts respective seller users may be particularly charged against. Further, the commodity object information system may provide the set of accounts associated with the seller user information to the in-transit funds network system in cooperation with the in-transit funds network system. After the in-transit fund network system collects specific in-transit fund data, if a specific target transfer-in account is found to belong to the account set, the in-transit fund network system can collect the data and initiate a notification message to the commodity object information system. The in-transit fund network may notify the collected information about the in-transit fund data to the commodity object information system in real time, or may notify the commodity object information system of the information about the in-transit fund data collected in the time interval at regular intervals through a timing notification mechanism, or the like.

Wherein the in-transit funds network system may be provided by an internationalized organization, as described above. For example, the international organization may specifically include SWIFT (global banking financial telecommunications association or international banking telecommunications association), which is a non-profit international cooperation organization between international financial institutions (such as banks), and provides fast, accurate and excellent services for international financial services. The organization initiated GPI (Global Payment Innovate) project can be an in-transit fund network. The GPI project is participated in by a global large bank, and the project with transparent fund charge, traceable remittance state and complete remittance information transmission is realized by establishing a SWIFT-GPI service circle between banks and following the commonly designed rules, thereby greatly improving the international payment experience of customers. For the bank joining the GPI project, when an event such as a customer initiating a money transfer from the bank occurs, the bank system can upload specific information to the in-transit fund network, and accordingly, the in-transit fund network can collect the information uploaded by the bank joining the GPI project.

In the embodiment of the application, the account set information which needs to be monitored specifically can be provided to the in-transit fund network system in cooperation with the in-transit fund network system such as the GPI project, so that after in-transit fund data related to the accounts in the account set is generated, the in-transit fund system can inform the commodity object information system of the related information.

Of course, in specific implementations, the merchandise target information system may also obtain the notification message about the in-transit fund data generated by the first account in other manners, for example, the merchandise target information system may also directly cooperate with a specific financial institution system, and so on, and will not be described in detail herein.

S202: performing risk assessment on the in-transit fund data;

in order to avoid fraud and the like, after the first account generates specific in-transit fund data and before executing specific payment-backing processing, risk assessment can be carried out on the in-transit fund data; and under the condition that the risk evaluation result meets the target condition, performing subsequent paying treatment.

Wherein, in particular implementations, the in-transit fund data may be risk assessed according to one or more of: the amount of the in-transit fund data, historical collection record information associated with the first account, historical payment record information associated with the second account, historical transaction record information between a first user associated with the first account and a second user associated with the second account, and country, region and financial institution information associated with the second account.

For example, if the amount of funds data in transit is moderate (which may be determined from the average amount of historical trading orders, etc., e.g., on the order of 100 ten thousand), then the risk is low, otherwise, if the amount of funds data in transit is too high, the risk may be relatively high. Or if the first account successfully collects the money for a plurality of times or the second account successfully pays for a plurality of times, the risk is relatively low; alternatively, if the first user and the second user have had a history of successful transactions, the risk may be low. Additionally, the country, region, financial institution, etc. in which the second user performed the money transfer operation may also be used for risk assessment of the in-transit funds data. For example, if the financial institution originating the money transfer belongs to a relatively large institution, the risk is relatively low, and so on. During specific implementation, a risk control model can be established in advance, and the risk evaluation is carried out on specific in-transit fund data through the specific model.

S203: and if the risk assessment result meets the target condition, determining the target amount.

After determining that the risk assessment results of the current in-transit fund data are eligible, a target amount may be determined for performing a specific payment processing. Specifically, when the target amount is determined, the amount of all the in-transit fund data may be paid, or only a part of the in-transit fund data may be paid. For the latter, the specific payment-backing proportion may be a fixed value (for example, payment-backing is uniformly performed according to a proportion of 90%, etc.), or the target amount may be dynamically determined according to the amount of the in-transit fund data and the risk score corresponding to the risk assessment result. For example, the risk assessment results for each in-transit fund data may have different risk scores, different risk scores may correspond to different underlying proportions, the higher the risk, the lower the underlying proportion, and so forth.

S204: and sending a transfer request to an associated financial institution system, wherein the transfer request is used for transferring the fund data corresponding to the target amount from a third account to the first account.

Specifically, when the payment backing processing is performed, the fund data corresponding to the target amount can be transferred from the third account to the first account through the associated financial institution system. After the fund transfer is completed, the server side can also provide a notification message about fund transfer to a first user client side associated with the first account, so that the first user can know a fund posting event. In one implementation, the third account may be an account associated with the commodity object information system for providing a specific payment service, that is, the right of ownership of the third account is also the commodity object information system. Since the ownership of the first account is also a commodity object information system, the transfer from the third account to the first account is usually not related to the cross-border transfer. In an alternative embodiment, the same financial institution may be associated with the specific first account and the specific third account, so that a line crossing situation may be avoided, and therefore, an "extremely fast account" or even an "instant account" of the specific payment may be realized when the payment is specifically made. That is, after the first account generates a fund-in-transit data, the first account can receive a payment due in a short time as long as the risk assessment of the commodity object information system is passed. The corresponding first user may perform cash withdrawal, etc. on such funds for replenishment, etc.

In addition, during specific implementation, in order to ensure convenience, the payment condition of the specific commodity object information system does not need to be sensed by the first user, and therefore, the identification of the transaction order related to the specific in-transit fund data can be determined; the first user associated with the first account may then be notified of the posting funds corresponding to the target amount on behalf of the accounts receivable for the transaction order. That is, after finding that the first account generates a fund-in-transit data, the commodity object information system performs a payment for the first account after risk assessment, so that the first account receives a fund to be paid in advance. However, it is only necessary for the first user to know that a fund is being placed on his first account and that this fund is the amount that the second user pays for the particular transaction order. Thus, the increase of the difficulty of data management of the first user can be avoided.

There may be a variety of ways, particularly in determining the identity of the trade order associated with the in-transit funds data. For example, in one approach, the identifier information of the specifically associated transaction order may be filled in the header of the money transfer slip by the payer user, i.e., the second user, at the time the money transfer is initiated. In this way, the merchandise object information system may extract the postscript information associated with the particular in-transit fund data from the received notification message and obtain the identification of the trade order from the postscript information.

It should be noted that there are various ways to specify the information that the second user fills in the postscript. For example, in one mode, the specific introduction information may include: all or part of characters of the ID of the trade order may be used, and at this time, the identifier of the trade order may be determined according to all or part of characters of the ID of the trade order included in the additional information. That is, the number information such as the ID of the transaction order may be directly filled, or only a part of the characters in the ID, for example, the last 6 digits, may be filled because the number information such as the ID of the transaction order is generally long. Since the probability that the characters on the above-mentioned part of digits are all the same between different trade orders is not high in the case where the information of the first user, the second user, and the like is known, the trade order information can be filled in the introduction in such a simplified manner. After extracting the specific epitopic content from the notification message, the commodity object information system can determine the specific corresponding trade order by comparing the characters in the epitopic with the characters of the serial numbers, such as the ID of the specific trade order, on the corresponding digit.

Or, in another mode, the additional information may include: identification information of a first user and/or a second user associated with the trade order; at this time, an incomplete transaction order associated with the first user and/or the second user may be determined according to the identification information of the first user and/or the second user included in the additional information, and an identification of the incomplete transaction order may be obtained. At this time, if there are a plurality of unfinished trade orders associated with the first user and/or the second user, the confirmation may be further performed according to the amount information associated with the trade orders, or by the first user or the second user, and so on.

In such an implementation where the second user provides relevant information in the statement of money transfer slip, prior to the first account generating in-transit funds data, if a second user's transaction order query request associated with the second account is received, information regarding the payment method and the first account may also be provided in the transaction order details information page. For example, the second user may be prompted to make payment by sending a money transfer over a line, while first account information for a particular recipient user may be provided, and so on. In addition, prompt information may be provided in the transaction order detail information page for prompting the second user to provide the additional information in a specified manner. For example, the user is prompted to fill in the epilogue with the ID of the trade order, and so on. In this way, it is possible to avoid a situation where the second user does not provide the relevant information in the additional sentence due to unknowing or forgetting or the like.

Of course, in a specific implementation, even if the second user is prompted, there may be a case where the second user does not fill the related information in the postscript. This may be the case, and there may be objective reasons in addition to the subjective reasons of the second user, such as being unknowingly or forgotten. For example, a second user may have made multiple transactions with a first user, corresponding to multiple transaction orders, and at this time, the second user may have paid for the multiple transaction orders at one time by sending money offline. At this point, the second user may have difficulty in commenting on information for multiple trade orders in the postscript, and so on.

In this case, to enable the association of the payment funds transferred into the first account with the trade order, a manual order association process may also be performed by the first user for the specific in-transit funds data. At this time, firstly, the identifier of the first user associated with the first account may be determined, and then, a notification message about fund transfer may be provided to the first user client associated with the first account, so as to provide the information that the amount corresponding to the specific subsidy fund is posted in the first account to the client associated with the first user, and provide an operation option for associating the posted fund data with transaction order information. In this way, the identity of the trade order associated with the in-transit funds data may be determined from the information of the trade order received via the operating option. In a specific implementation, for example, as shown in fig. 3, a fund information interface may be provided in a client of a first user, when a first account associated with the first user has a specific underlying fund to be paid, the amount of the underlying fund and the like, corresponding second user information and the like may be displayed through the fund information interface, and an operation option specifically for order association may be provided in the interface, through which the first user may submit specific transaction account order information, thereby completing the association between the entered fund data and the transaction order.

For example, as shown in fig. 3, after completing the payment to a particular first account, the information of the outstanding funds may be presented in a funds information page of the first user client. Including the amount of the ledger, etc. In addition, second user information related to the fund-in-transit data can be displayed in the fund information page of the first user client. Such as the name of the second user, information of the second account, etc. Such information may assist the first user in determining a particular associated trade order. After the user views the fund information, the user can complete the association operation of the fund and the specific transaction order according to the operation options of 'continuously associating the order' and the like in the interface.

It should be noted that, during specific implementation, the first user may determine the transaction order corresponding to the specific in-transit fund data through a communication mode with the second user through an offline mode, and then associate the in-transit fund data with the transaction order through a fund information interface of the client, and so on.

In addition, the association of the trade order may be performed by the second user in addition to the first user. In particular implementations, the information for the second account associated with the in-transit fund data may also be obtained from a notification message provided by a particular in-transit fund network. An identification of the associated second user may then be determined from the information of the second account and the information of the in-transit funds data may be provided to a client associated with the second user and operational options for associating transaction order information with the in-transit funds data. Thereafter, an identification of the trade order associated with the in-transit funds data may be determined based on the information of the trade order received via the operational options.

In a specific implementation, as mentioned above, the amount of the specific payment may be smaller than the amount of the in-transit fund data, and in this case, the first user associated with the first account may be notified of the posting fund corresponding to the target amount on behalf of the first stage receivable of the transaction order, and the first stage receivable may be displayed in a posted state. For example, a particular first stage accounts receivable may also be referred to as "initial payment," that is, if only a portion of the in-transit funds data is underpinned, the first user may be notified of the portion of funds underpinned by the system on behalf of the initial payment for the particular transaction order. For example, as shown in fig. 4, the fund information posted by the first account may be displayed in a specific fund information interface, and in addition, a list of transaction orders that have not been associated yet may be provided in the fund information page, and an operation option for performing an association operation is provided for each transaction order. If the amount of the underlying fund is less than the amount of the in-transit fund data, whether the transaction order is associated for the first time can be judged, so that when an operation option is provided, action information of the operation option can be provided according to the judgment result, and the action information comprises first-stage receivable or second-stage receivable related to the corresponding transaction order. For example, in a specific implementation, for an order associated for the first time, a specific operation option may be shown as "associated prepayment", and for an order not associated for the first time, a specific operation option may be shown as "associated payment". In this way, after the first user specifically determines the transaction order corresponding to the currently received fund information, the first user can select the operation option corresponding to the transaction order from the specific transaction order list, and completes the association between the specifically posted fund and the transaction order by clicking the operation option and the like.

Additionally, for a transaction order associated with a first stage accounts receivable, information regarding a second stage accounts receivable for the transaction order may also be provided and presented as an outstanding status. Subsequently, after the in-transit fund data completes posting in the first account and the tie-out processing is completed to the third account, the accounts receivable at the second stage of the transaction order can be displayed as a posted state.

In addition, after associating the funds data of the specific payment with the trade order, the associated trade order may be further modified to a payment-in-progress state, such that the first user may perform fulfillment processing on the trade order based on the payment-in-progress state. That is, the fulfillment process can be performed in advance without waiting for the specific in-transit fund data to be sent to the account, so that the fulfillment time of the transaction order is shortened.

After receiving the notification message that the in-transit fund data is posted in the first account, transferring the fund data corresponding to the target amount from the first account to the third account through the associated financial institution system to perform tie-out processing. That is, after the first account is credited with the specific in-transit fund data, the amount of fund paid by the system for the first account may be transferred from the first account to the third account, so as to complete the tie-out process for the third account. The amount of funds remaining may then be communicated to the first user, specifically in association with posting of the end of the trade order, and so on.

It should be noted that, as described above, since the ownership of the first account and the ownership of the third account are both commodity object information systems, a specific tie-out process may be initiated by the commodity object information system, and the associated financial institution system may help complete a specific transfer process.

In order to better understand the specific schemes provided in the embodiments of the present application, a complete flow is described below with reference to the timing chart shown in fig. 5.

First, the buyer and seller users close a transaction online, a transaction order is generated, and the seller user (payee) provides specific primary account information to the buyer user (payer). Then, the payer can go to a remittance bank to pay the specific transaction order by means of sending money under line.

After receiving the specific money, the remittance bank can upload the specific information to the in-transit fund network system, and the in-transit fund network system can inform the commodity object information system of the related information of the in-transit fund data if finding that the target transfer account of the specific in-transit fund data belongs to the account set provided by the commodity object information system.

After the commodity object information system receives the notification message, risk evaluation can be carried out on the specific in-transit fund data through a specific wind control model, if the risk evaluation passes, payment can be paid for the first account, and a payee can receive money in time through the first account. If the risk assessment does not pass, then processing may proceed according to a general foreign exchange flow.

After the specific in-transit fund data reaches a specific target collection bank and the account entry of the first account is completed, the commodity object information system can firstly carry out account leveling processing to transfer the amount of the fund paid previously from the first account into the third account. If the payment is partial payment, the specific payment can be kept in the first account and notified to the first user as the payee, so that the payment of the payment can be realized.

It should be noted that, in a specific implementation, after a specific second user initiates a money transfer, a specific money transfer bank may generate a specific money transfer document identifier (for example, an ID or a number), and the money transfer document identifier may also be transmitted to a specific processing node along with the circulation of specific in-transit fund data, so that, in the process of circulating in-transit fund data between the specific processing nodes, the tracking of the same in-transit fund data may be implemented through the associated money transfer document identifier.

In summary, through the embodiment of the application, the event of generating the fund-in-transit data in the first account can be sensed, the risk evaluation is carried out on the fund-in-transit data, and if the evaluation is passed, the fund data of the target amount can be transferred from the third account to the first account. In this way, the associated first user may receive the specific funds for posting in advance before the specific funds-in-transit data actually completes posting in the first account, reducing the impact on the payee user due to the funds being too long in-transit. For example, the payment fund of the account can be withdrawn for replenishment, so as to ensure that the stock of the commodity object is sufficient, keep the saleable state and further avoid influencing the achievement of subsequent transactions.

In one mode, the ownership of the third account and the ownership of the first account providing the payment-by-payment service may both be commodity object information systems, and even may be associated with the same financial institution, so that the situations such as cross-border transfer do not exist, and the limit of the amount is not always met, and therefore, online 'quick payment' or even 'instant payment' can be realized.

Example two

The second embodiment corresponds to the first embodiment, and provides a fund data information processing method from the perspective of the first user client, and referring to fig. 6, the method may include:

s601: providing a fund information display page for a first user;

s602: displaying the fund data posted by the associated first account in the fund information display page, and providing an operation option for associating transaction order information with the posted fund data; the entered fund data is fund data transferred from a third account to the first account by a commodity object information system through an associated financial institution system after the in-transit fund data is generated by the first account;

s603: and receiving input transaction order information through the operation options and submitting the transaction order information to the server.

Specifically, when an operation option for associating transaction order information with the entered fund is provided in the fund information page, a list of transaction orders which have not been associated yet may be provided in the fund information page, and an operation option for performing an association operation may be provided for each transaction order, so that after an operation request is received through an operation option corresponding to one of the transaction orders, information of the transaction order may be submitted to the server.

If the amount of funds transferred through the third account is smaller than the amount of the in-transit fund data, whether the transaction order is associated for the first time can be judged; and when an operation option is provided, providing action information of the operation option according to the judgment result, wherein the action information comprises first-stage accounts receivable or second-stage accounts receivable related to the corresponding transaction order.

EXAMPLE III

In a third embodiment, from the perspective of the first user client, a method for displaying transaction order information is provided, and specifically, referring to fig. 7, the method may specifically include:

s701: receiving a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

s702: acquiring information of the target trading order, wherein the information of the target trading order comprises: information of posted funds data associated with the target trade order; the posted funds data is funds data transferred from a third account to the first account by the merchandise object information system through the associated financial institution system after the associated first account generates in-transit funds data;

s703: and displaying the information of the credited fund data in a detail information page of the target transaction order.

In particular implementations, the target trade order may also be presented as a pay-in-progress status.

For the parts of the second and third embodiments that are not described in detail, reference may be made to the description of the first embodiment, which is not repeated herein.

It should be noted that, in the embodiments of the present application, the user data may be used, and in practical applications, the user-specific personal data may be used in the scheme described herein within the scope permitted by the applicable law, under the condition of meeting the requirements of the applicable law and regulations in the country (for example, the user explicitly agrees, the user is informed, etc.).

Corresponding to the first embodiment, an embodiment of the present application further provides a fund data information processing apparatus, and referring to fig. 8, the apparatus may include:

a notification message receiving unit 801 for receiving a notification message regarding the generation of in-transit fund data by the first account; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

a risk assessment unit 802 for performing risk assessment on the in-transit fund data;

a target amount determination unit 803 for determining a target amount if the risk assessment result meets the target condition;

and the transfer request unit 804 is used for sending a transfer request to the associated financial institution system, wherein the transfer request is used for transferring the fund data corresponding to the target amount from the third account to the first account.

Wherein the notification message is issued by an in-transit funds network system configured to collect the in-transit funds data from a plurality of financial institution systems and provide the notification message if the first account associated with the number of in-transit funds belongs to a set of target accounts.

In particular, the risk assessment unit may be specifically configured to:

performing a risk assessment on the in-transit fund data according to one or more of:

the amount of the in-transit fund data, historical collection record information of a first user associated with the first account, historical payment record information of a second user associated with the second account, historical transaction record information between the first user associated with the first account and the second user associated with the second account, and country, region and financial institution information associated with the second account.

More specifically, the risk assessment unit may be specifically configured to:

and if the first user associated with the first account successfully receives the payment for multiple times in the corresponding payment mode, or the second user associated with the second account successfully pays for multiple times in the corresponding payment mode, or a successful transaction record exists between the first user associated with the first account and the second user associated with the second account, or the credit level associated with the country, region or financial institution associated with the second account meets the target condition, the evaluation is passed.

The target amount determination unit may be specifically configured to:

and determining the target amount according to the amount of the in-transit fund data and the risk score corresponding to the risk evaluation result.

In a specific implementation, the apparatus may further include:

a notification unit configured to provide a notification message regarding the fund transfer to a first user client associated with the first account.

In addition, the apparatus may further include:

an associated order determination unit for determining an identity of a trade order associated with the in-transit funds data;

and the association notification unit is used for notifying the first user associated with the first account of the account-entering funds corresponding to the target amount on the basis of the receivable of the transaction order.

The associated order determination unit may be specifically configured to:

and extracting the postscript information associated with the in-transit fund data from the notification message, and acquiring the identifier of the transaction order according to the postscript information.

Wherein, the postscript information includes: all or part of the characters of the ID of the trade order;

at this time, the associated order determination unit may be specifically configured to:

and determining the identification of the trade order according to all or part of characters of the ID of the trade order included in the additional information.

Or, the additional information includes: identification information of a first user and/or a second user associated with the trade order;

determining an unfinished transaction order associated with the first user and/or the second user according to the identification information of the first user and/or the second user included in the additional information, and acquiring an identification of the unfinished transaction order.

In addition, the apparatus may further include:

and the payment information providing unit is used for providing information about a payment mode and the first account in the transaction order detail information page after receiving a transaction order inquiry request of a second user associated with the second account before the in-transit fund data is generated by the first account.

Furthermore, the apparatus may further include:

and the prompting unit is used for providing prompting information in the transaction order detail information page so as to prompt the second user to provide the additional language information in a specified mode.

In addition, the associated order determination unit may be specifically configured to:

providing a notification message about fund transfer to a first user client associated with the first account so as to display information that the first account has fund transfer through a fund information page of the first user client, and providing operation options for trading order information associated with the transferred fund in the fund information page;

and determining the identification of the trading order associated with the in-transit fund data according to the information of the trading order received through the operation options.

Specifically, the fund information page of the first user client may also be used to display second user information associated with the in-transit fund data.

Wherein the content of the first and second substances,

if the target amount is less than the amount of the in-transit fund data, the associated notification unit may be specifically configured to:

and notifying the first user associated with the first account of the posting funds corresponding to the target amount on the behalf of the first-stage accounts receivable of the transaction order, and displaying the first-stage accounts receivable as a posted state.

In addition, the association notification unit may be further specifically configured to:

providing information of accounts receivable at the second stage of the transaction order, and displaying the information as a non-posting state;

and after the in-transit fund data completes account posting in the first account and completes account leveling processing to the third account, displaying the accounts receivable in the second stage of the transaction order as a posted state.

Furthermore, the apparatus may further include:

and the order state modifying unit is used for modifying the associated transaction order into a payment-in-progress state so as to perform fulfillment processing on the transaction order based on the payment-in-progress state.

In addition, the apparatus may further include:

and the tie-out processing unit is used for transferring the fund data corresponding to the target amount from the first account to the third account through the associated financial institution system to perform tie-out processing after receiving the notification message that the in-transit fund data completes account posting in the first account.

And the ownership of the first account and the ownership of the third account are both the commodity object information system.

The first account and the third account are associated with the same financial institution.

Corresponding to the second embodiment, the embodiment of the present application further provides a fund data information processing apparatus, and referring to fig. 9, the apparatus may include:

a fund information page providing unit 901, configured to provide a fund information display page to the first user;

an association option providing unit 902, configured to display, in the fund information display page, fund data posted in an associated first account, and provide an operation option for associating transaction order information with the posted fund data; the entered fund data is fund data transferred from a third account to the first account by a commodity object information system through an associated financial institution system after the in-transit fund data is generated by the first account; (ii) a

And a trade order information submitting unit 903, configured to receive the input trade order information through the operation option and submit the received trade order information to the server.

Wherein, the association option providing unit may specifically be configured to:

providing a list of transaction orders which are not associated in the fund information page, and respectively providing operation options for performing associated operation for each transaction order;

and after an operation request is received through an operation option corresponding to one of the transaction orders, submitting the information of the transaction order to the server.

If the amount of funds transferred through the third account is less than the amount of the in-transit fund data, the associated option providing unit may be specifically configured to:

judging whether the trade order is associated for the first time;

and when an operation option is provided, providing action information of the operation option according to the judgment result, wherein the action information comprises first-stage accounts receivable or second-stage accounts receivable related to the corresponding transaction order.

Corresponding to the embodiment, the embodiment of the present application further provides a trade order information display device, referring to fig. 10, the device may include:

a viewing request receiving unit 1001 configured to receive a viewing request of a target trading order from a first user; the first user is a payee user associated with the target transaction order;

an order information obtaining unit 1002, configured to obtain information of the target trade order, where the information of the target trade order includes: information of posted funds data associated with the target trade order; the posted funds data is funds data transferred from a third account to the first account by the merchandise object information system through the associated financial institution system after the associated first account generates in-transit funds data;

a display unit 1003, configured to display information of the posted funds data in a detail information page of the target transaction order.

In a specific implementation, the display unit may further be configured to: displaying the target transaction order as a state of in-payment.

In addition, the present application also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of the method described in any of the preceding method embodiments.

And an electronic device comprising:

one or more processors; and

a memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform the steps of the method of any of the preceding method embodiments.

FIG. 11 illustrates an architecture of an electronic device, which may include, in particular, a processor 1110, a video display adapter 1111, a disk drive 1112, an input/output interface 1113, a network interface 1114, and a memory 1120. The processor 1110, the video display adapter 1111, the disk drive 1112, the input/output interface 1113, the network interface 1114, and the memory 1120 may be communicatively connected by a communication bus 1130.

The processor 1110 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solution provided by the present Application.

The Memory 1120 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 1120 may store an operating system 1121 for controlling the operation of the electronic device 1100, a Basic Input Output System (BIOS) for controlling low-level operations of the electronic device 1100. In addition, a web browser 1123, a data store management system 1124, and a funds data processing system 1125, among others, may also be stored. The fund data processing system 1125 may be an application program that implements the operations of the foregoing steps in this embodiment of the application. In summary, when the technical solution provided by the present application is implemented by software or firmware, the relevant program codes are stored in the memory 1120 and called for execution by the processor 1110.

The input/output interface 1113 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.

Network interface 1114 is used to connect to a communications module (not shown) to enable the device to interact with other devices for communication. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).

Bus 1130 includes a path that transfers information between the various components of the device, such as processor 1110, video display adapter 1111, disk drive 1112, input/output interface 1113, network interface 1114, and memory 1120.

It should be noted that although the above devices only show the processor 1110, the video display adapter 1111, the disk drive 1112, the input/output interface 1113, the network interface 1114, the memory 1120, the bus 1130 and so on, in a specific implementation, the devices may also include other components necessary for normal operation. Furthermore, it will be understood by those skilled in the art that the apparatus described above may also include only the components necessary to implement the solution of the present application, and not necessarily all of the components shown in the figures.

From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

The fund data information processing method, device and electronic device provided by the present application are introduced in detail, and a specific example is applied in the text to explain the principle and the implementation of the present application, and the description of the above embodiment is only used to help understand the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, the specific embodiments and the application range may be changed. In view of the above, the description should not be taken as limiting the application.

Claims

1. A method of fund data information processing, comprising:

performing risk assessment on the in-transit fund data;

2. The method of claim 1,

the notification message is issued by an in-transit funds network system that is configured to collect the in-transit funds data from a plurality of financial institution systems and provide the notification message if the first account associated with the number of in-transit funds belongs to a set of target accounts.

3. The method of claim 1,

the risk assessment of the in-transit fund data comprises:

4. The method of claim 1,

the risk assessment of the in-transit fund data comprises:

5. The method of claim 1,

the determining the target amount includes:

6. The method of claim 1, further comprising:

providing a notification message regarding the transfer of funds to a first user client associated with the first account.

7. The method of claim 6, further comprising:

determining an identification of a trade order associated with the in-transit funds data;

and notifying the first user associated with the first account of the posting funds corresponding to the target amount on the behalf of the accounts receivable of the transaction order.

8. The method of claim 7,

the determining an identification of a trade order associated with the in-transit funds data comprises:

9. The method of claim 8,

the additional information comprises: all or part of the characters of the ID of the trade order;

the obtaining of the identifier of the trade order according to the additional information includes:

10. The method of claim 8,

the additional information comprises: identification information of a first user and/or a second user associated with the trade order;

11. The method of claim 8, further comprising:

and before the first account generates in-transit fund data, after receiving a transaction order inquiry request of a second user associated with the second account, providing information about a payment mode and the first account in the transaction order detail information page.

12. The method of claim 11, further comprising:

providing prompt information in the transaction order detail information page for prompting the second user to provide the additional information in a specified mode.

13. The method of claim 7,

14. The method of claim 13,

and the fund information page of the first user client is also used for displaying second user information associated with the fund-in-transit data.

15. The method of claim 13,

if the target amount is less than the amount of the in-transit fund data, notifying a first user associated with the first account of the posting funds corresponding to the target amount on behalf of the accounts receivable of the transaction order, including:

16. The method of claim 15, further comprising:

17. The method of claim 7, further comprising:

modifying the associated trade order to a state of payment for fulfillment processing of the trade order based on the state of payment.

18. The method of claim 1, further comprising:

and after receiving a notification message that the in-transit fund data is posted in the first account, transferring the fund data corresponding to the target amount from the first account to the third account through the associated financial institution system so as to perform tie-out processing.

19. The method according to any one of claims 1 to 18,

and the ownership of the first account and the third account is the commodity object information system.

20. The method according to any one of claims 1 to 18,

21. A method of fund data information processing, comprising:

providing a fund information display page for a first user;

22. The method of claim 21,

the providing, in the funds information page, operational options for associating transaction order information for the posted funds includes:

23. The method of claim 22,

if the amount of funds transferred through the third account is less than the amount of the in-transit fund data, the respectively providing operation options for performing the associated operation for each transaction order comprises:

judging whether the trade order is associated for the first time;

24. A transaction order information display method is characterized by comprising the following steps:

25. The method of claim 24, further comprising:

displaying the target transaction order as a state of in-payment.

26. A money data information processing apparatus characterized by comprising:

27. A money data information processing apparatus characterized by comprising:

28. A trade order information display apparatus, comprising:

29. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 25.

30. An electronic device, comprising:

one or more processors; and

a memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform the steps of the method of any of claims 1 to 25.