CN114066615A

CN114066615A - Trusted payment method, device, electronic equipment and storage medium

Info

Publication number: CN114066615A
Application number: CN202111375570.5A
Authority: CN
Inventors: 陈佳宏
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-11-19
Filing date: 2021-11-19
Publication date: 2022-02-18

Abstract

The invention discloses a trusted payment method, a trusted payment device, electronic equipment and a storage medium, relates to the technical field of big data, and is particularly used in the technical field of big data analysis. One embodiment of the method comprises: receiving a payment request sent by a lender, wherein the payment request comprises payment amount, a service provider identifier and a lender identifier; inquiring the balance of the deposit corresponding to the service provider based on the service provider identification, and inquiring the current loan total of the lender based on the lender identification; calling a preset auditing model according to the balance of the deposit and the current total loan amount to judge whether to execute a payment process; if not, sending a payment failure message to the lender; if yes, sending a payment confirmation message to the lender, and paying the payment amount to the service provider. The implementation mode can solve the problem that the loan is guaranteed not to be stolen through a manual supervision mode, but the mode is not only high in cost, but also low in efficiency.

Description

Trusted payment method, device, electronic equipment and storage medium

Technical Field

The invention relates to the technical field of big data, in particular to the technical field of big data analysis, and particularly relates to a trusted payment method, a trusted payment device, electronic equipment and a storage medium.

Background

When a bank delivers a loan, the loan contract usually engages in the use of funds, such as for the production operation of the enterprise. In practical situations, some enterprises cannot fully use the loan for appointed purposes, i.e. partial loans are stolen, so that the loan purpose cannot be realized. In the prior art, the loan is generally guaranteed not to be stolen through a manual supervision mode, but the mode is not only high in cost, but also low in efficiency.

Disclosure of Invention

In view of this, embodiments of the present invention provide a trusted payment method, apparatus, electronic device, and storage medium, which can ensure that a loan is not stolen by manual supervision, but this method is not only costly but also inefficient.

To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a trusted payment method.

The trusted payment method of the embodiment of the invention comprises the following steps: receiving a payment request sent by a lender, wherein the payment request comprises payment amount, a service provider identifier and a lender identifier; inquiring the balance of the deposit corresponding to the service provider based on the service provider identification, and inquiring the current loan total amount of the lender based on the lender identification; calling a preset auditing model according to the balance of the deposit and the current total loan amount to judge whether to execute a payment process; if not, sending a payment failure message to the lender; and if so, sending a payment confirmation message to the lender, and paying the payment amount to the service provider.

In one embodiment, before said receiving the payment request sent by the lender, the method further comprises:

receiving a loan request, wherein the loan request comprises a lender identifier and a service provider identifier;

acquiring service information of the service provider based on the service provider identification, and determining a guarantee fund amount of the service provider based on the service information;

acquiring the service information of the lender based on the lender identification to calculate the credit line of the lender;

and generating a loan trusted contract based on the lender identifier, the service provider identifier, the guarantee amount and the credit line.

In yet another embodiment, determining the guarantee amount of the service provider based on the business information comprises:

calling a preset calculation model based on the service information, and calculating the operation type of the service provider;

obtaining the type of the service which can be provided by the service provider in the loan request so as to judge whether the operation type is consistent with the type of the service which can be provided;

if not, sending a rejection prompt message; if yes, determining the guarantee fund amount of the service provider based on the service information, and storing the type of the provided service and the guarantee fund amount.

In yet another embodiment, calculating the credit line of the lender includes:

and determining the enterprise category of the lender based on the service information of the lender, inquiring a corresponding credit line calculation model, calling the credit line calculation model, and calculating the credit line of the lender by combining the service information of the lender.

In another embodiment, before calculating the credit line of the lender, the method further comprises:

obtaining the type of the service which can be provided by the service provider in the loan request so as to judge whether the enterprise category is matched with the type of the service which can be provided;

if not, sending a rejection prompt message; if yes, calculating the credit line of the lender.

In another embodiment, invoking a preset auditing model according to the balance of the deposit and the current total loan amount to determine whether to execute a payment process includes:

judging whether the sum of the total loan amount and the payment amount is larger than the product of the balance of the deposit and a preset coefficient;

if yes, determining not to execute the payment process; and if not, determining to execute the payment process.

In yet another embodiment, before the determining whether to execute the payment process, the method further includes:

obtaining the credit line of the lender to judge whether the sum of the total loan amount and the payment amount is greater than the credit line;

if so, sending a payment failure message to the lender; if not, whether the payment process is executed or not is judged.

In yet another embodiment, querying a corresponding deposit balance for a service provider based on the service provider identification comprises:

acquiring a payment identifier in the payment request to inquire whether a history log comprises the payment identifier;

if yes, sending a processed prompt message to the lender; and if not, inquiring the balance of the guarantee fund corresponding to the service provider based on the service provider identification.

To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided a trusted payment device.

A trusted payment device of an embodiment of the present invention includes: the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a payment request sent by a lender, and the payment request comprises payment amount, service provider identification and lender identification; the query unit is used for querying the balance of the deposit corresponding to the service provider based on the service provider identification and querying the current loan total of the lender based on the lender identification; the payment unit is used for calling a preset auditing model according to the balance of the deposit and the total amount of the current loan so as to judge whether to execute a payment process; if not, sending a payment failure message to the lender; and if so, sending a payment confirmation message to the lender, and paying the payment amount to the service provider.

In one embodiment, the receiving unit is further configured to receive a loan request, the loan request including a lender identifier and a service provider identifier;

the device further comprises:

the determining unit is used for acquiring the service information of the service provider based on the service provider identification and determining the guarantee fund amount of the service provider based on the service information;

the calculating unit is used for acquiring the service information of the lender based on the lender identifier so as to calculate the credit line of the lender;

and the generating unit is used for generating a loan trusted contract based on the lender identifier, the service provider identifier, the guarantee fund limit and the credit line.

In another embodiment, the determining unit is specifically configured to:

In another embodiment, the computing unit is specifically configured to:

In another embodiment, the determining unit is specifically configured to:

In another embodiment, the determining unit is further configured to:

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided an electronic apparatus.

An electronic device of an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the trusted payment method provided by embodiments of the present invention.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer-readable medium.

A computer-readable medium of an embodiment of the present invention has stored thereon a computer program that, when executed by a processor, implements a trusted payment method provided by an embodiment of the present invention.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer program product.

A computer program product according to an embodiment of the invention comprises a computer program which, when executed by a processor, implements the trusted payment method provided by an embodiment of the invention.

One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, the trustee can be used as a loan trustee, after a lender purchases services or articles from a service provider each time, a payment request is sent to the trustee platform, the trustee platform pays the payment amount of the lender to the service provider when determining that the payment can be made, so that the trustee platform is used for controlling and supervising the direction of the loan, the loan is used for appointed purposes, and the loan can be ensured not to be stolen.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

fig. 1 is a schematic diagram of one main flow of a trusted payment method according to a first embodiment of the present invention;

fig. 2 is a schematic view of a main flow of a method of generating a loan trusted contract according to a second embodiment of the present invention;

fig. 3 is a schematic diagram of the main units of a trusted payment device according to a third embodiment of the present invention;

FIG. 4 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

FIG. 5 is a schematic block diagram of a computer system suitable for use in implementing embodiments of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.

An embodiment of the present invention provides a trusted payment method, which may be executed by a trusted platform, as shown in fig. 1, and the method includes:

s101: a payment request sent by a lender is received.

Wherein the payment request includes a payment amount, a service provider identification, and a lender identification.

The lender, after purchasing a service or item or the like from the service provider, may send a payment request to the trusted platform to request the trusted platform to pay the service provider the amount of the purchased service or item, so the payment request includes the payment amount, the service provider identification, and the lender identification.

The payment request may further include a payment identifier to indicate the payment request, and after the trusted platform receives the payment request, it may query whether the payment identifier is included in the history log. If the payment request is received and processed by the trusted platform, the trusted platform can directly send a processed prompt message to the lender; if not, the subsequent flow may be performed.

It should be noted that the payment request may further include confidence related to the payment, such as transaction information.

S102: and inquiring the balance of the deposit corresponding to the service provider based on the service provider identification, and inquiring the current loan total of the lender based on the lender identification.

Before the trustee receives the payment request of the lender, the trustee already serves as the trustee to sign a loan trustee contract with the lender and the service provider, namely, the balance of the deposit corresponding to the service provider and the current total loan amount of the lender are stored, so that the balance of the deposit corresponding to the service provider can be inquired based on the service provider identification in the step, and the current total loan amount of the lender can be inquired based on the lender identification.

The guarantee fund is that when the lender cannot normally repay, the trustee can use the guarantee fund to pay the repayment of the lender, so that the receivable amount of the lender is related to the guarantee amount degree provided by the service provider, and therefore, in the embodiment of the invention, whether the payment request of the lender at this time is met can be judged based on the guarantee fund balance corresponding to the service provider, namely, the guarantee fund balance corresponding to the service provider can be inquired in the step.

S103: and calling a preset auditing model according to the balance of the deposit and the current total loan amount to judge whether to execute a payment process.

The auditing model is preset, specifically can be obtained through training of algorithm models such as machine learning, and can also be generated based on a calculation algorithm.

The specific steps may be performed as: judging whether the sum of the total loan amount and the payment amount is larger than the product of the balance of the deposit and a preset coefficient; if yes, determining not to execute the payment process; and if not, determining to execute the payment process. The preset coefficient may be preset based on the requirement, and may be set to 10, for example.

It should be noted that, in the embodiment of the present invention, the lender usually determines the credit line thereof, and the total amount of borrowed money of the lender cannot exceed the credit line, so before the step is executed, the credit line of the lender may be further obtained to determine whether the sum of the current total amount of loan and the payment amount is greater than the credit line; if yes, sending a payment failure message to the lender; if not, whether the payment process is executed or not is judged.

S104: if not, a payment failure message is sent to the lender.

S105: if yes, sending a payment confirmation message to the lender, and paying the payment amount to the service provider.

If not, the trustee (the trustee) refuses the payment request and does not pay, so that a payment failure message can be sent to the lender; if yes, the trustee agrees to the payment request, namely the self-payment process is carried out, so that a payment confirmation message is sent to the lender, and the payment amount is paid to the service provider. The specific process of paying the payment amount to the service provider can be to inquire an account corresponding to the service provider identifier, pay the loan of the payment amount to the account corresponding to the service provider identifier, or can also be to inquire an account corresponding to the lender identifier and an account corresponding to the service provider identifier, pay the loan of the payment amount to the account corresponding to the lender identifier first, and pay the account corresponding to the service provider identifier from the account corresponding to the lender identifier.

It should be noted that the trusted platform can also perform the payment process of the lender, such as payment and settlement, for example, if the loan is overdue and the loan is within 20 days of overdue, the trusted platform automatically deducts the deposit to return the overdue loan and/or interest.

In the embodiment of the invention, the trustee can be used as a loan trustee, after a lender purchases services or articles from a service provider each time, a payment request is sent to the trustee platform, the trustee platform pays the payment amount of the lender to the service provider when determining that the payment can be made, so that the trustee platform is used for controlling and supervising the direction of the loan, the loan is used for appointed purposes, and the loan can be ensured not to be stolen. .

The method for generating a loan trusted contract according to an embodiment of the present invention is described in detail below with reference to the embodiment shown in fig. 1, and as shown in fig. 2, the method includes:

s201: a loan request is received, the loan request including a lender identification and a service provider identification.

Wherein the loan request is sent by the lender and includes an identifier of the lender and an identifier of the service provider indicating that the loan is to be used to pay the lender for the purchase of a service or item from the service provider.

S202: and acquiring the service information of the service provider based on the service provider identification, and determining the guarantee fund limit of the service provider based on the service information.

Wherein the trusted party can manage the service provider. The business information may include a full data packet of the service provider, for example, the service provider can provide the energy link group, and the business information may include a unified social credit code, a business name, a business type, business owner information (a business owner name, an identity card number), a guarantee amount available, platform transaction information (e.g., the amount of money to be transacted on the energy link platform in about 12 months per month), self account information, and the like.

The guarantee fund limit of the service provider can be determined based on the acquired business information, and the following steps can be specifically executed: calling a preset calculation model based on the service information, and calculating the operation type of the service provider; obtaining the type of the service which can be provided by the service provider in the loan request to judge whether the operation type is consistent with the type of the service which can be provided; if not, sending a rejection prompt message; if yes, determining the guarantee fund amount of the service provider based on the service information, and storing the type of the available service and the guarantee fund amount.

The calculation model is preset, transaction data of the service provider can be extracted through the service information, and then the operation type of the service provider is calculated. The type of service that may be provided by the service provider in the loan request, i.e., the type of service or item that may be provided to the lender. It is required that the operation type of the service provider is consistent with the type of the service provider's available service, and the side can guarantee the loan use.

S203: and acquiring the service information of the lender based on the lender identification so as to calculate the credit line of the lender.

The business information of the lender can be acquired based on big data and other related technologies, and then the reliability of the business information is ensured through the assistance of an OCR technology. The service information of the lender can be set according to the requirement, and then whether the lender allows the loan can be judged based on the preset standard. For example, the preset criteria may include enterprises and individual industrial businesses approved for registration by an industrial and commercial administration; the method conforms to the national industrial policy and the bank credit policy; the credit balance of an enterprise (lender) at a bank does not exceed 500 million, and the debt items which are not settled are normal and concerned; the method is characterized in that a business owner does not have overdue loan currently, the number of times of overdue or debt within 30 days (inclusive) in nearly 2 years does not exceed 6, credit records of overdue or debt over 30 days do not exist in nearly 2 years, and the loan risk is classified into secondary and following records in banks does not exist in nearly 2 years; the enterprises and business owners do not list people losing credit executives lists and serious illegal losing credit enterprise lists; the credit account is not listed in the internal control list of the bank credit customer, the bad credit and the verification and cancellation customer list; the bank anti-money laundering anti-fraud client list is not listed, and the online business risk investigation system (RSD) bottom line rule is not touched; non-money laundering high-risk customers, and the like.

In the embodiment of the invention, the types of loan enterprises can be divided, and the corresponding credit line calculation model is set so as to ensure the accuracy of credit line calculation. For example, taking enterprise categories including oil stations, electric piles and logistics as examples, the method for calculating the credit line may be: if the enterprise is an oil station enterprise, calculating according to the following mode: the credit line granted by a lender is min (200 ten thousand, a1, a2), a1 is the highest credit line of the lender in the business data, and a2 is 50% of the transaction amount of the platform of approximately 12 months; if the enterprise is an electric pile enterprise, calculating according to the following mode: the credit line granted by a lender is min (200 ten thousand, B1, B2), B1 is the highest credit line in the lender business data, and B2 is 40% of the transaction amount of the near 12-month platform; if the lender is a logistics enterprise, calculating according to the following mode: the loan amount of a lender is min (200 ten thousand, C1, C2), C1 is the highest loan amount in the lender's business data, and C2 is 40% of the near 12-month platform transaction amount.

This step can be specifically performed as: and determining the enterprise category of the lender based on the business information of the lender, inquiring the corresponding credit line calculation model, calling the credit line calculation model, and calculating the credit line of the lender by combining the business information of the lender.

It should be noted that, the credit line of the lender can also be calculated to obtain the type of the service that can be provided by the service provider in the loan request, so as to determine whether the enterprise category and the type of the service that can be provided are matched; the purpose of the loan can be guaranteed only if the enterprise category is matched with the type of the service which can be provided, and if not, a refusal prompt message is sent; if yes, the credit line of the lender is calculated and stored.

S204: and generating the loan trusted contract based on the lender identifier, the service provider identifier, the guarantee money amount and the credit line.

The loan entrusted contract may be pre-defined with a contract template, which is generated based on the contract template in this step. After the loan and acceptance contract is generated, the acceptance platform can also execute the processes of signing and the like, and can simultaneously display information such as a loan account number, an account name, a loan issuing account number, a use acceptance description, a payment due period, acceptance payment and the like on line so as to be convenient for a lender to check.

In the embodiment of the invention, the trustee can be used as a loan trustee, after a lender purchases services or articles from a service provider each time, a payment request is sent to the trustee, and the trustee pays the payment amount of the lender to the service provider when determining that the payment can be made, so that the loan purpose of the lender is realized, the loan is prevented from being used, the loan is not required to be manually monitored and prevented from being used, the cost is reduced, and the efficiency is improved.

In order to solve the problems in the prior art, an embodiment of the present invention provides a trusted payment device 300, as shown in fig. 3, where the device 300 includes:

a receiving unit 301, configured to receive a payment request sent by a lender, where the payment request includes a payment amount, a service provider identifier, and a lender identifier;

a query unit 302, configured to query a balance of a deposit corresponding to a service provider based on the service provider identifier, and query a current loan total of the lender based on the lender identifier;

a payment unit 303, configured to call a preset auditing model according to the balance of the deposit and the total amount of the current loan, so as to determine whether to execute a payment process; if not, sending a payment failure message to the lender; and if so, sending a payment confirmation message to the lender, and paying the payment amount to the service provider.

It should be understood that the manner of implementing the embodiment of the present invention is the same as the manner of implementing the embodiment shown in fig. 1, and the description thereof is omitted.

In an implementation manner of the embodiment of the present invention, the receiving unit 301 is further configured to receive a loan request, where the loan request includes a lender identifier and a service provider identifier;

the apparatus 300 further comprises:

In another implementation manner of the embodiment of the present invention, the determining unit is specifically configured to:

In another implementation manner of the embodiment of the present invention, the computing unit is specifically configured to:

In another implementation manner of the embodiment of the present invention, the determining unit is further configured to:

It should be understood that the embodiment of the present invention is implemented in the same manner as the embodiment shown in fig. 1 or fig. 2, and is not repeated herein.

In the embodiment of the invention, the trustee can be used as a loan trustee, after a lender purchases services or articles from a service provider each time, a payment request is sent to the trustee platform, the trustee platform pays the payment amount of the lender to the service provider when determining that the payment can be made, so that the trustee platform is used for controlling and supervising the direction of the loan, the loan is used for appointed purposes, and the loan can be ensured not to be stolen.

According to an embodiment of the present invention, an electronic device and a readable storage medium are also provided.

The electronic device of the embodiment of the invention comprises: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the one processor to cause the at least one processor to perform a trusted payment method as provided by embodiments of the present invention.

Fig. 4 illustrates an exemplary system architecture 400 of a trusted payment method or a trusted payment device to which embodiments of the present invention may be applied.

As shown in fig. 4, the system architecture 400 may include

terminal devices

401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the

terminal devices

401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.

A user may use

terminal devices

401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. Various client applications may be installed on the

terminal devices

401, 402, 403.

The

terminal devices

401, 402, 403 may be, but are not limited to, smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 405 may be a server that provides various services, and the server may analyze and process data such as a received product information query request, and feed back a processing result (for example, product information — just an example) to the terminal device.

It should be noted that the trusted payment method provided by the embodiment of the present invention is generally executed by the server 405, and accordingly, the trusted payment device is generally disposed in the server 405.

It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 5, a block diagram of a computer system 500 suitable for use in implementing embodiments of the present invention is shown. The computer system illustrated in FIG. 5 is only an example and should not impose any limitations on the scope of use or functionality of embodiments of the invention.

As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data necessary for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.

The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a unit, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a receiving unit, a querying unit, and a payment unit. Where the names of these units do not in some cases constitute a limitation of the unit itself, the receiving unit may also be described as a "unit of payment request receiving unit function", for example.

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to perform the trusted payment method provided by the present invention.

As another aspect, the present invention also provides a computer program product including a computer program, which when executed by a processor implements the trusted payment method provided by the embodiments of the present invention.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A trusted payment method, comprising:

receiving a payment request sent by a lender, wherein the payment request comprises payment amount, a service provider identifier and a lender identifier;

inquiring the balance of the deposit corresponding to the service provider based on the service provider identification, and inquiring the current loan total amount of the lender based on the lender identification;

calling a preset auditing model according to the balance of the deposit and the current total loan amount to judge whether to execute a payment process;

if not, sending a payment failure message to the lender; and if so, sending a payment confirmation message to the lender, and paying the payment amount to the service provider.

2. The method of claim 1, prior to said receiving a payment request from a lender, further comprising:

3. The method of claim 2, wherein determining the amount of the guarantee fund for the service provider based on the business information comprises:

4. The method of claim 2 wherein calculating the credit line of the lender comprises:

5. The method as recited in claim 4, further comprising, prior to calculating the credit line of the lender:

6. The method of claim 1, wherein invoking a predetermined audit model to determine whether to execute a payment process based on the margin balance and the current loan total comprises:

7. The method of claim 1, wherein prior to said determining whether to perform a payment process, further comprising:

8. The method of claim 1, wherein querying a corresponding deposit balance for a service provider based on the service provider identification comprises:

9. A trusted payment device, comprising:

the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a payment request sent by a lender, and the payment request comprises payment amount, service provider identification and lender identification;

the query unit is used for querying the balance of the deposit corresponding to the service provider based on the service provider identification and querying the current loan total of the lender based on the lender identification;

the payment unit is used for calling a preset auditing model according to the balance of the deposit and the total amount of the current loan so as to judge whether to execute a payment process; if not, sending a payment failure message to the lender; and if so, sending a payment confirmation message to the lender, and paying the payment amount to the service provider.

10. The apparatus of claim 9, wherein the receiving unit is further configured to receive a loan request, the loan request including a lender identifier and a service provider identifier;

the device further comprises:

11. The apparatus according to claim 10, wherein the determining unit is specifically configured to:

12. The apparatus according to claim 10, wherein the computing unit is specifically configured to:

13. The apparatus according to claim 9, wherein the determining unit is specifically configured to:

14. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.

15. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-8.

16. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-8 when executed by a processor.