CN107742213A - A kind of method of payment, system and terminal - Google Patents
A kind of method of payment, system and terminal Download PDFInfo
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- CN107742213A CN107742213A CN201710860385.2A CN201710860385A CN107742213A CN 107742213 A CN107742213 A CN 107742213A CN 201710860385 A CN201710860385 A CN 201710860385A CN 107742213 A CN107742213 A CN 107742213A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The present invention is applied to financial technology field, there is provided a kind of method of payment, system and terminal, by the way that the amount of money that should make loans of the trade company with identical beneficiary information is merged, generation is made loans after instruction；Again when it is determined that the account type of beneficiary in the command information of making loans is to private account, pay whether threshold decision by the command information of making loans is split as sub-instructions information of making loans according to default single；The sub-instructions information of making loans is sent to bank data processing center with the command information of making loans not split.Reduce is needing to split the error rate to remain high caused by payment by hand during processing is to the payment process of private account, alleviates the work load of people, and improve the accuracy rate and efficiency of fractionation.
Description
Technical field
The invention belongs to financial technology field, more particularly to a kind of method of payment, system and terminal.
Background technology
In existing payment system, according to different types of service, product, different payment account numbers, paying party are selected
Formula and payment channel are a kind of common means of payment, but it can not effectively support multiple contracts according to same gathering business
Family, account merge payment, further according to the nature of account (to public affairs to private) of collecting account after single payment, carry out splitting of values
(bank does not support to pay more than 5 ten thousand) private, single.Major part requires that identifying that system is single during user's list by hand splits and merge.
A large amount of manual works are caused to user, and accuracy is not high, easy maloperation.
The content of the invention
In view of this, the embodiments of the invention provide a kind of method of payment, system and terminal, to solve existing payment process
Need to split to the problem of workload is big, error rate is high caused by private payment by hand.
The first aspect of the embodiment of the present invention provides a kind of method of payment, including：
The amount of money that should make loans of trade company with identical beneficiary information is merged, generates command information of making loans；
It is determined that the account type of the beneficiary in the command information of making loans is for public account or to private account；
When the account type of the beneficiary in the command information of making loans is to private account, threshold is paid according to default single
Value judges whether the command information of making loans being split as sub-instructions information of making loans；
The sub-instructions information of making loans is sent to bank data processing center with the command information of making loans not split.
The second aspect of the embodiment of the present invention provides a kind of payment system, including：
Make loans command information generation unit, for the amount of money that should make loans of the trade company with identical beneficiary information to be closed
And generate command information of making loans；
Account type judging unit, the account type for the beneficiary in command information of being made loans described in determination are for public affairs
Account is still to private account；
Split judging unit, for when the beneficiary in the command information of making loans account type be to private account when,
Pay whether threshold decision by the command information of making loans is split as sub-instructions information of making loans according to default single；
Information transmitting unit, for the sub-instructions information of making loans to be sent to bank with the command information of making loans not split
Data processing centre.
The third aspect of the embodiment of the present invention provides a kind of terminal, including：
Memory, processor and it is stored in the computer journey that can be run in the memory and on the processor
Sequence, wherein, the payer that the first aspect of the embodiment of the present invention provides is realized described in the computing device during computer program
The step of method.
Wherein, the computer program includes：
Make loans command information generation unit, for the amount of money that should make loans of the trade company with identical beneficiary information to be closed
And generate command information of making loans；
Account type judging unit, the account type for the beneficiary in command information of being made loans described in determination are for public affairs
Account is still to private account；
Split judging unit, for when the beneficiary in the command information of making loans account type be to private account when,
Pay whether threshold decision by the command information of making loans is split as sub-instructions information of making loans according to default single；
Information transmitting unit, for the sub-instructions information of making loans to be sent to bank with the command information of making loans not split
Data processing centre.
The fourth aspect of the embodiment of the present invention provides a kind of computer-readable recording medium, the computer-readable storage
Media storage has computer program, wherein, the computer program realizes the first of the embodiment of the present invention when being executed by processor
The step of method of payment that aspect provides.
Wherein, the computer program includes：
Make loans command information generation unit, for the amount of money that should make loans of the trade company with identical beneficiary information to be closed
And generate command information of making loans；
Account type judging unit, the account type for the beneficiary in command information of being made loans described in determination are for public affairs
Account is still to private account；
Split judging unit, for when the beneficiary in the command information of making loans account type be to private account when,
Pay whether threshold decision by the command information of making loans is split as sub-instructions information of making loans according to default single；
Information transmitting unit, for the sub-instructions information of making loans to be sent to bank with the command information of making loans not split
Data processing centre.
Existing beneficial effect is the embodiment of the present invention compared with prior art：By by with identical beneficiary information
The amount of money that should make loans of trade company is merged, and generation is made loans after instruction；Again it is determined that beneficiary in the command information of making loans
When account type is to private account, pay whether threshold decision by the command information of making loans is split as making loans according to default single
Sub-instructions information；The sub-instructions information of making loans is sent to bank data processing center with the command information of making loans not split.
Reduce is needing to split the error rate to remain high caused by payment by hand during processing is to the payment process of private account,
The work load of people is alleviated, and improves the accuracy rate and efficiency of fractionation.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
In the required accompanying drawing used be briefly described, it should be apparent that, drawings in the following description be only the present invention some
Embodiment, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1 is a kind of implementation process figure of method of payment provided in an embodiment of the present invention；
Fig. 2 is a kind of method of sub-instructions information that is split as making loans by command information of making loans provided in an embodiment of the present invention
Implementation process figure；
Fig. 3 is the method for another sub-instructions information that is split as making loans by command information of making loans provided in an embodiment of the present invention
Specific implementation flow chart；
Fig. 4 is a kind of specific implementation flow for generating payment instruction information provided in an embodiment of the present invention；
Fig. 5 is a kind of schematic diagram of payment system provided in an embodiment of the present invention；
Fig. 6 is a kind of schematic diagram of terminal provided in an embodiment of the present invention.
Embodiment
In describing below, in order to illustrate rather than in order to limit, it is proposed that such as tool of particular system structure, technology etc
Body details, thoroughly to understand the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, omit to well-known system, system, electricity
Road and the detailed description of method, in case unnecessary details hinders description of the invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.It refer to Fig. 1,
Fig. 1 shows a kind of implementation process of method of payment provided in an embodiment of the present invention, and details are as follows：
In step S101, the amount of money that should make loans of the trade company with identical beneficiary information is merged, generation is made loans
Command information.
In embodiments of the present invention, it is above-mentioned that there is phase by the Bank Account Number that individual or company is possessed has uniqueness
Trade company with beneficiary information is specially the trade company with identical shroff account number.Herein, a trade company is corresponding with a gathering
Account, because different trade companies might have identical shroff account number, then the quantity of the command information of making loans of corresponding generation is extremely
It is one less, it is at most identical with trade company quantity.
Herein, command information of making loans includes but is not limited to beneficiary information, paying party information, should make loans the amount of money and remarks
Deng.Herein, the information such as corresponding name on account, account are included in beneficiary information and paying party information；The amount of money that should make loans has
Body is the amount of money summation that should make loans of all trade companies with identical beneficiary information after merging.
It is understood that the amount of money that should make loans of the trade company with identical beneficiary information can also be with identical gathering
The final amount of money of making loans of the trade company of account, for example carried out the amount of money netting final amount of money of making loans resulting afterwards.
In step s 102, it is determined that the account type of the beneficiary in the command information of making loans be for public account or
To private account.
In embodiments of the present invention, because to the single payment of private account to there is certain limitation in different banks,
No more than certain payment threshold value, such as, single is paid no more than 50,000 yuan in being paid to private, and so, we just need area
The account type for dividing each beneficiary is specifically still to private account, in order to carry out next step operation to public account.
It is understood that it is exactly the account corresponding to non-resident (individual) account to public account, such as company, administrative institution
The Bank Account Numbers such as unit, are exactly resident (individual) account to private account, and the bank account of such as Zhang San, Li Si personal user are corresponding
Account.
Specifically, the account type for how distinguishing each beneficiary is for public account or be to private account, Ke Yitong
Cross following step realization：
The accounts information for the beneficiary made loans described in acquisition in command information；The accounts information includes name on account；
Calculate the character length of the name on account；
By the character length compared with preset characters threshold value；
When the character length is more than preset characters threshold value, account corresponding to the name on account is set as to public account
Number；
When the character length is less than preset characters threshold value, account corresponding to the name on account is set as to private account
Number.
It is understood that because the account Name Length corresponding to private account and to public account has certain limitation will
Ask, for example can only be the personal account opened up to private account, its corresponding name on account is the name of user, then this is to private account
The character length of number corresponding name on account is also limited within 4 to 8 characters；And to the corresponding name on account of public account
Opened up with Business Name, typically all can more than 8 characters, can be with fast and easy according to the character length of name on account
Ground judges that the account type of its corresponding account is for public account or to private account.
In step s 103, when the account type of the beneficiary in the command information of making loans is to private account, according to
Default single pays whether threshold decision by the command information of making loans is split as sub-instructions information of making loans.
In embodiments of the present invention, understood in step S102 explanation, because different banks is to the list to private account
Payment has certain limitation, it is impossible to more than certain payment threshold value, therefore, the payment process in processing to private account
In, it is necessary to judge whether to need corresponding payment in current command information of making loans carrying out deconsolidation process, so as to generate bag
Sub-instructions information of making loans containing the payment after fractionation.
Specifically, it can be that the single limit that private is paid is set in advance according in each bank that default single, which pays threshold value,
The minimum single put pays threshold value；Can also be limited from the single paid to private acquired in each bank data processing center
Volume, i.e., the single that the single fed back according to bank data processing center pays limit and set pay threshold value.
In step S104, the sub-instructions information of making loans is sent to bank data with the command information of making loans not split
Processing center.
In embodiments of the present invention, the command information of making loans not split includes account type for the instruction of making loans to public account
Information, and single payment not less than default single pay threshold value and account type be to private account make loans instruction letter
Breath.
Herein, payment system will make loans sub-instructions information and the command information of making loans that does not split is sent to bank data
Behind reason center, payment and account that bank data processing center includes according to it respectively pay corresponding fund to corresponding
Account in.
In embodiments of the present invention, by the way that the amount of money that should make loans of the trade company with identical beneficiary information is merged,
Generation is made loans after instruction；Again when it is determined that the account type of the beneficiary in the command information of making loans is to private account, according to
Default single pays whether threshold decision by the command information of making loans is split as sub-instructions information of making loans；The son of making loans is referred to
The command information of making loans for making information and not splitting is sent to bank data processing center.Reduce in payment of the processing to private account
During need by hand split payment caused by remain high error rate, alleviate the work load of people, and carry
The high accuracy rate and efficiency that split.
Specifically, in step s 103, Fig. 2 is provided a kind of is split as sub-instructions information of making loans by command information of making loans
Implement flow：
In step s 201, made loans described in acquisition the amount of money that should make loans included in command information；
In step S202, compared with the amount of money that should make loans is paid into threshold value with the default single；
In step S203, when the amount of money that should make loans, which exceedes the default single, pays threshold value, it should be made loans described
Command information of being made loans corresponding to the amount of money is split as some sub-instructions information of making loans；
In step S204, when the amount of money that should make loans pays threshold value not less than the default single, do not perform any
Operation.
In embodiments of the present invention, the payment in private account, i.e., the amount of money that should make loans exceed default single and paid
During threshold value, due to the payment limitation of bank can not complete this pay, it is necessary to make loans splitting of values to be less than by current or
Equal to the amount of money that default single pays threshold value, enable to smoothly complete this payment.
Herein, the command information of being made loans corresponding to the amount of money of should making loans is split as some sons of making loans in step S203
Command information is specifically as follows：
Son of making loans corresponding to the command information of making loans is split as into the fractionation quantity according to default fractionation quantity refers to
Make information.
It is understood that it is split as sub-instructions information of being made loans corresponding to the fractionation quantity in the command information that will make loans
Afterwards, step S202 to 204 is performed again, to judge whether to need to split with so that it is wrapped the sub-instructions information of making loans
The amount of money that should make loans contained is no more than default single and pays threshold value.
Further, in order to improve the efficiency of deconsolidation process, in step S203, Fig. 3 provides another kind and will made loans finger
Information is made to be split as making loans the specific implementation flow of sub-instructions information：
In step S301, the amount of money that should make loans is paid after threshold value is divided by with the default single and taken upwards
It is whole, the split bar number for sub-instructions information that resulting value is made loans as described in.
In step s 302, the command information of being made loans corresponding to the amount of money of should making loans is split as according to the split bar number
The sub-instructions information of making loans of corresponding bar number.
In embodiments of the present invention, the value after ratio of the amount of money with default single payment threshold value that should make loans is rounded up is made
For split bar number, it is possible to reduce the step of deconsolidation process, improve the efficiency of deconsolidation process；And split bar number can be reduced, from
And sub-instructions information of making loans correspondingly is reduced, the operating efficiency of bank data processing center can be effectively improved.
It is understood that in step s 302, the amount of money that should can make loans is distributed equally according to split bar number, i.e.,
Business of the amount of money for former should the make loans amount of money and split bar number that should make loans included in every sub-instructions information of making loans；Can also be by described in
The amount of money that should make loans preferably pays threshold value according to default single and the remaining amount of money that should make loans is respectively allocated to corresponding son of making loans and referred to
Make in information, for example original should make loans the amount of money as 80,000, it is 50,000 to preset single and pay threshold value, then, the amount of money should be made loans as 8 comprising original
Ten thousand command information of making loans can be split as two and be 40,000 sub-instructions information of making loans comprising the amount of money of making loans, or be split as one
The sub-instructions information of making loans that make loans sub-instructions information and one for being 50,000 comprising the amount of money of making loans are 30,000 comprising the amount of money of making loans.
Preferably, in order to further improve the operating efficiency of later maintenance, before or after step S104, in addition to
Lower step：
The sub-instructions information of making loans is stored into command information detail list with the command information of making loans not split.
In embodiments of the present invention, by command information detail list, the letter of making loans of each trade company can accurately be inquired
Breath, should make loans amount of money etc., and correspond to specific flowing water account so that staff can rapidly inquire about corresponding fund stream
To with carry out accurate reconciliation, improve the operating efficiency of later maintenance.
In embodiments of the present invention, a kind of specific implementation flows for the method for generating command information of making loans of step S101 are as schemed
Shown in 4：In step S401, trade company's summary information corresponding to all contract information and contract is obtained.
In embodiments of the present invention, trade company's summary information is specially and is collected the title of all trade companies in contract, only
Retaining one has the trade company of same names, that is, the trade company for not having title to repeat in trade company's summary information, but all
Corresponding trade company can be found in contract information.
It is further comprising the steps of after step S401 in order to facilitate the relation between inquiry trade company and contract：
Trade company is associated with the contract comprising its title and matched, association identification corresponding to generation.
By by trade company with include the contract of its title be associated matching after the corresponding association identification of generation so that work
Make personnel can according to corresponding to being easily checked the association identification trade company or contract, correctly find pass between the two
System, realize precisely inquiry.In step S402, the contract of same trade company in trade company's summary information is carried out at amount of money netting
Reason, obtain the final amount of money of making loans of the trade company.
In embodiments of the present invention, the processing of amount of money netting is specially clearing netting.Clearing netting refers to normal termination of merchandising
When, the netting that Trading parties are carried out operates, and clearing netting first rolls net congener cross liabilities credits generally before clearing.
It is understood that in the contract that trade company is signed, it is possible to for some reason, although having been carried out receiving
Money or payment processing, but the contract is not carried out, that is, contract cancels, it is necessary to will when handling this collection of contract
Cancelling a contract for negative has been adjusted to it and has carried out netting operations with other the current all contracts to be settled accounts, so as to obtains final pay
The money amount of money.For the ease of calculating, the corresponding only account of trade company here, the account of different trade companies can be with identical, can also
It is entirely different, that is to say, that resulting final Payment Amount is the final amount of money of making loans of the trade company.
Certainly, can also be directly by the trade company under one's name all contract if not needing what is adjusted to cancel a contract
The account due amount of money is summed, to obtain the final amount of money of making loans of the trade company.
In step S403, based on contract the beneficiary information of each trade company of acquisition of information, will have identical beneficiary letter
The final amount of money of making loans of the trade company of breath merges, and obtains the amount of money that should make loans of same beneficiary.
In step s 404, based on contract capital's information of each trade company of acquisition of information, by the same beneficiary should
The amount of money of making loans carries out matching with capital's information and associated, and generates corresponding payment instruction information.
In embodiments of the present invention, capital's information is the information such as the payment account number, Payment Amount, payment remarks of capital, is had
Body refers to another trade company or company being traded with current trade company, and the information for the side that needs are paid the bill is shown as in contract,
I.e. capital's information is embodied in payment account number, Payment Amount, payment remarks of paying party etc..
Herein, matching association specifically refers to the trade company with transaction relationship and the relevant information of capital carrying out matching pass
Connection, to obtain specific payment instruction information, in order to which the corresponding amount of money that should make loans is delivered to matching by bank data processing center
Beneficiary, and the corresponding amount of money is deducted from the paying party of matching.
In order to the relation between quick Search and Orientation contract, trade company and command information this three of making loans, it is easy to improve
The reconciliation efficiency of staff and later maintenance, it is further comprising the steps of after step S404：By trade company, include its title
Contract and its corresponding to make loans command information carry out mapping association after store into mapping association table.
Based on contract capital's information of each trade company of acquisition of information, by the same beneficiary should make loans the amount of money with it is described
Capital's information carries out matching association, generates corresponding payment instruction information.
In embodiments of the present invention, by carrying out trade company, contract and command information of making loans storing after mapping association to reflecting
Penetrate in contingency table, so as to fast positioning, find the relation between three so as to be handled accordingly, improve work effect
Rate and accuracy.
It should be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodiment
Execution sequence should determine that the implementation process without tackling the embodiment of the present invention forms any limit with its function and internal logic
It is fixed.
Corresponding to a kind of method of payment described in foregoing embodiments, Fig. 5 shows a kind of branch provided in an embodiment of the present invention
The schematic diagram for the system of paying, for convenience of description, illustrate only the part related to the embodiment of the present invention.
Reference picture 5, the system include：
Make loans command information generation unit 51, for the amount of money that should make loans of the trade company with identical beneficiary information to be carried out
Merge, generate command information of making loans；
Account type judging unit 52, the account type for the beneficiary in command information of being made loans described in determination are to be right
Public account is still to private account；
Judging unit 53 is split, for being to private account when the account type of the beneficiary in the command information of making loans
When, pay whether threshold decision by the command information of making loans is split as sub-instructions information of making loans according to default single；
Information transmitting unit 54, for the sub-instructions information of making loans to be sent to silver with the command information of making loans not split
Row data processing centre.
Specifically, the account type judging unit 52 includes：
Accounts information obtains subelement, for obtaining the accounts information of the beneficiary in command information of making loans；The account
Information includes name on account；
Character length computation subunit, for calculating the character length of the name on account；
Character length comparing subunit, for by the character length compared with preset characters threshold value；
First account type sets subelement, for when the character length is more than preset characters threshold value, by the account
Name in an account book claims corresponding account to be set as to public account；
Second account type sets subelement, for when the character length is less than preset characters threshold value, by the account
Name in an account book claims corresponding account to be set as to private account.
Further, the fractionation judging unit 53 includes：
The amount of money that should make loans obtains subelement, for obtaining the amount of money that should make loans included in the command information of making loans；
Amount of money comparing unit, compared with the amount of money that should make loans is paid into threshold value with the default single；
First deconsolidation process subelement, for when the amount of money that should make loans exceedes the default single and pays threshold value, inciting somebody to action
The command information of being made loans corresponding to the amount of money of should making loans is split as some sub-instructions information of making loans；
Second deconsolidation process subelement, for when the amount of money that should make loans pays threshold value not less than the default single,
Any operation is not performed.
Specifically, the first deconsolidation process subelement is specifically used for：
The amount of money that should make loans is paid after threshold value is divided by with the default single and rounded up, by resulting value
Split bar number as the sub-instructions information of making loans；
The command information of being made loans corresponding to the amount of money of should making loans is split as by putting for corresponding bar number according to the split bar number
Fund command information.
Further, the fractionation judging unit 53 also includes：
Information memory cell, for the sub-instructions information of making loans to be stored to instruction with the command information of making loans not split
In information detail list.
Further, the command information generation unit 51 of making loans includes：
Summary information acquiring unit, for obtaining trade company's summary information corresponding to all contract information and contract；
Amount of money netting handles subelement, for carrying out amount of money netting to the contract of same trade company in trade company's summary information
Processing, obtain the final amount of money of making loans of the trade company；
Amount of money merging treatment subelement, for the beneficiary information of each trade company of based on contract acquisition of information, there will be phase
The final amount of money of making loans with the trade company of beneficiary information merges, and obtains the amount of money that should make loans of same beneficiary；
Payment instruction information generates subelement, for capital's information of each trade company of based on contract acquisition of information, by described in
The amount of money that should make loans of same beneficiary carries out matching with capital's information and associated, and generates corresponding payment instruction information.
Further, the instruction generation unit 51 of making loans also includes：
Mapping association handle subelement, for by trade company, include command information of being made loans corresponding to the contract of its title and its
Stored after carrying out mapping association into mapping association table.
In embodiments of the present invention, by the way that the amount of money that should make loans of the trade company with identical beneficiary information is merged,
Generation is made loans after instruction；Again when it is determined that the account type of the beneficiary in the command information of making loans is to private account, according to
Default single pays whether threshold decision by the command information of making loans is split as sub-instructions information of making loans；The son of making loans is referred to
The command information of making loans for making information and not splitting is sent to bank data processing center.Reduce in payment of the processing to private account
During need by hand split payment caused by remain high error rate, alleviate the work load of people, and carry
The high accuracy rate and efficiency that split.
Fig. 6 is a kind of schematic diagram for terminal that one embodiment of the invention provides.As shown in fig. 6, the terminal 6 of the embodiment is wrapped
Include：Processor 60, memory 61 and it is stored in the computer that can be run in the memory 61 and on the processor 60
Program 62.The processor 60 realizes the step in above-mentioned each method of payment embodiment when performing the computer program 62,
Such as the step 101 shown in Fig. 1 is to 104.Or the processor 60 realizes above-mentioned each system when performing the computer program 62
The function of each unit in embodiment of uniting, such as the function of module 51 to 54 shown in Fig. 5.
Exemplary, the computer program 62 can be divided into one or more units, one or more of
Unit is stored in the memory 61, and is performed by the processor 60, to complete the present invention.One or more of lists
Member can complete the series of computation machine programmed instruction section of specific function, and the instruction segment is used to describe the computer journey
Implementation procedure of the sequence 62 in the terminal 6.For example, the computer program 62 can be divided into command information generation of making loans
Unit 51, account type judging unit 52, judging unit 53, information transmitting unit 54 are split, each unit concrete function is as follows：
Make loans command information generation unit 51, for the amount of money that should make loans of the trade company with identical beneficiary information to be carried out
Merge, generate command information of making loans；
Account type judging unit 52, the account type for the beneficiary in command information of being made loans described in determination are to be right
Public account is still to private account；
Judging unit 53 is split, for being to private account when the account type of the beneficiary in the command information of making loans
When, pay whether threshold decision by the command information of making loans is split as sub-instructions information of making loans according to default single；
Information transmitting unit 54, for the sub-instructions information of making loans to be sent to silver with the command information of making loans not split
Row data processing centre.
The terminal 6 can be the terminal devices such as desktop PC, notebook, palm PC and smart mobile phone.It is described
Terminal 6 may include, but be not limited only to, processor 60, memory 61.It will be understood by those skilled in the art that Fig. 6 is only terminal
The restriction of 6 example, not structure paired terminal 6, it can include than illustrating more or less parts, or some portions of combination
Part, or different parts, such as the terminal can also include input-output equipment, network access equipment, bus etc..
Alleged processor 60 can be CPU (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other PLDs, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
The memory 61 can be the internal storage unit of the terminal 6, such as the hard disk or internal memory of terminal 6.It is described
Memory 61 can also be the External memory equipment of the terminal 6, such as the plug-in type hard disk being equipped with the terminal 6, intelligence
Storage card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card)
Deng.Further, the memory 61 can also both include the internal storage unit of the terminal 6 or be set including external storage
It is standby.The memory 61 is used to store the computer program and other programs and data needed for the terminal.It is described to deposit
Reservoir 61 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each work(
Can unit, module division progress for example, in practical application, can be as needed and by above-mentioned function distribution by different
Functional unit, module are completed, will the internal structure of the system be divided into different functional units or module, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
To be that unit is individually physically present, can also two or more units it is integrated in a unit, it is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.In addition, each function list
Member, the specific name of module are not limited to the protection domain of the application also only to facilitate mutually distinguish.Said system
The specific work process of middle unit, module, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, and is not described in detail or remembers in some embodiment
The part of load, it may refer to the associated description of other embodiments.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed system/terminal device and method, can be with
Realize by another way.For example, system described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of division of logic function, there can be other dividing mode when actually realizing, such as
Multiple units or component can combine or be desirably integrated into another system, or some features can be ignored, or not perform.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be by some interfaces, system
Or INDIRECT COUPLING or the communication connection of unit, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated module/unit realized in the form of SFU software functional unit and as independent production marketing or
In use, it can be stored in a computer read/write memory medium.Based on such understanding, the present invention realizes above-mentioned implementation
All or part of flow in example method, by computer program the hardware of correlation can also be instructed to complete, described meter
Calculation machine program can be stored in a computer-readable recording medium, and the computer program can be achieved when being executed by processor
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or some intermediate forms etc..The computer-readable medium
It can include：Any entity or system, recording medium, USB flash disk, mobile hard disk, magnetic of the computer program code can be carried
Dish, CD, computer storage, read-only storage (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It is it should be noted that described
The content that computer-readable medium includes can carry out appropriate increasing according to legislation in jurisdiction and the requirement of patent practice
Subtract, such as in some jurisdictions, electric carrier signal and electricity are not included according to legislation and patent practice, computer-readable medium
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to foregoing reality
Example is applied the present invention is described in detail, it will be understood by those within the art that：It still can be to foregoing each
Technical scheme described in embodiment is modified, or carries out equivalent substitution to which part technical characteristic；And these are changed
Or replace, the essence of appropriate technical solution is departed from the spirit and scope of various embodiments of the present invention technical scheme, all should
Within protection scope of the present invention.
Claims (10)
1. a kind of method of payment, it is characterised in that methods described includes：
The amount of money that should make loans of trade company with identical beneficiary information is merged, generates command information of making loans；
It is determined that the account type of the beneficiary in the command information of making loans is for public account or to private account；
When the account type of the beneficiary in the command information of making loans is to private account, threshold value is paid according to default single and sentenced
It is disconnected whether the command information of making loans to be split as sub-instructions information of making loans；
The sub-instructions information of making loans is sent to bank data processing center with the command information of making loans not split.
2. the method as described in claim 1, it is characterised in that the basis presets single and pays threshold decision whether by described in
Command information of making loans be split as making loans sub-instructions information the step of, including：
Made loans described in acquisition the amount of money that should make loans included in command information；
Compared with the amount of money that should make loans is paid into threshold value with the default single；
When the amount of money that should make loans, which exceedes the default single, pays threshold value, by the instruction of being made loans corresponding to the amount of money that should make loans
Information is split as some sub-instructions information of making loans；
When the amount of money of making loans pays threshold value not less than the default single, any operation is not performed.
3. method as claimed in claim 2, it is characterised in that described by the command information of being made loans corresponding to the amount of money that should make loans
Be split as some make loans sub-instructions information the step of, including：
The amount of money that should make loans is paid after threshold value is divided by with the default single and rounded up, using resulting value as
The split bar number of the sub-instructions information of making loans；
The command information of being made loans corresponding to the amount of money of should making loans is split as by the son of making loans of corresponding bar number according to the split bar number
Command information.
4. the method as described in claim 1, it is characterised in that put the sub-instructions information of making loans with what is do not split described
Money command information was sent the step of banking terminal before or after, in addition to：
The sub-instructions information of making loans is stored into command information detail list with the command information of making loans not split.
5. the method as described in claim 1, it is characterised in that should make loans the trade company with identical beneficiary information
The amount of money merges, and generates the step of making loans command information, including：
Obtain trade company's summary information corresponding to all contract information and contract；
Amount of money netting processing is carried out to the contract of same trade company in trade company's summary information, obtains the final gold of making loans of the trade company
Volume；
Based on contract the beneficiary information of each trade company of acquisition of information, final by the trade company with identical beneficiary information are made loans
The amount of money merges, and obtains the amount of money that should make loans of same beneficiary；
Based on contract capital's information of each trade company of acquisition of information, by should the make loans amount of money and the capital of the same beneficiary
Information carries out matching association, generates corresponding payment instruction information.
6. a kind of payment system, it is characterised in that the system includes：
Make loans command information generation unit, for the amount of money that should make loans of the trade company with identical beneficiary information to be merged,
Generate command information of making loans；
Account type judging unit, the account type for the beneficiary in command information of being made loans described in determination are for public account
Or to private account；
Split judging unit, for when the beneficiary in the command information of making loans account type be to private account when, according to
Default single pays whether threshold decision by the command information of making loans is split as sub-instructions information of making loans；
Information transmitting unit, for the sub-instructions information of making loans to be sent to bank data with the command information of making loans not split
Processing center.
7. system as claimed in claim 6, it is characterised in that the fractionation judging unit includes：
The amount of money of making loans obtains subelement, for obtaining the amount of money of making loans included in the command information of making loans；
Amount of money comparing unit, compared with the amount of money of making loans is paid into threshold value with the default single；
First deconsolidation process subelement, for when the amount of money of making loans exceedes the default single and pays threshold value, being put described
Command information of being made loans corresponding to the money amount of money is split as some sub-instructions information of making loans；
Second deconsolidation process subelement, for when the amount of money of making loans pays threshold value not less than the default single, not performing
Any operation.
8. system as claimed in claim 7, it is characterised in that the first deconsolidation process subelement is specifically used for：
The amount of money of making loans is paid after threshold value is divided by with the default single and rounded up, using resulting value as institute
State the split bar number for sub-instructions information of making loans；
The command information of being made loans corresponding to the amount of money of making loans is split as the son of making loans of corresponding bar number and referred to according to the split bar number
Make information.
9. a kind of terminal, including memory, processor and it is stored in the memory and can runs on the processor
Computer program, it is characterised in that described in the computing device during computer program realize as claim 1 to 5 it is any
The step of item method of payment.
10. a kind of computer-readable recording medium, the computer-readable recording medium storage has computer program, and its feature exists
In being realized when the computer program is executed by processor as described in any one of claim 1 to 5 the step of method of payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710860385.2A CN107742213A (en) | 2017-09-21 | 2017-09-21 | A kind of method of payment, system and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710860385.2A CN107742213A (en) | 2017-09-21 | 2017-09-21 | A kind of method of payment, system and terminal |
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| Publication Number | Publication Date |
|---|---|
| CN107742213A true CN107742213A (en) | 2018-02-27 |
Family
ID=61236108
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710860385.2A Pending CN107742213A (en) | 2017-09-21 | 2017-09-21 | A kind of method of payment, system and terminal |
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| Country | Link |
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| CN (1) | CN107742213A (en) |
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| CN109559106A (en) * | 2018-11-29 | 2019-04-02 | 银联商务股份有限公司 | Fund, which is drawn, pays method, apparatus and realization device |
| CN110717747A (en) * | 2018-07-13 | 2020-01-21 | 马上消费金融股份有限公司 | Settlement method, settlement device, settlement terminal and computer storage medium |
| CN113537964A (en) * | 2021-09-17 | 2021-10-22 | 北京奇虎科技有限公司 | Application form processing method, device, storage medium and device |
| CN113643016A (en) * | 2021-09-01 | 2021-11-12 | 中国银行股份有限公司 | Information merging method, device, electronic equipment, medium and product |
| CN114187079A (en) * | 2021-10-26 | 2022-03-15 | 远光软件股份有限公司 | Method and device for regulating and controlling fund payment plan, storage medium and electronic equipment |
| CN115936705A (en) * | 2023-02-28 | 2023-04-07 | 云账户技术(天津)有限公司 | Multi-account combined payment method and device, electronic equipment and storage medium |
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| CN115936705A (en) * | 2023-02-28 | 2023-04-07 | 云账户技术(天津)有限公司 | Multi-account combined payment method and device, electronic equipment and storage medium |
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Address after: Room 201, Building A, No. 1 Qianwan Road, Qianhai Shenzhen-Hong Kong Cooperation Zone, Shenzhen, Guangdong 518000:No. 1701, 1702B, A, New Hao one town, No. 7018 Cai Tian Road, Futian, Shenzhen 518000 Room 201, No. 1 A (Qianhai business secretary, Shenzhen, Shenzhen City, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen City, Guangdong) Applicant after: Shenzhen Rongyimai Information Technology Co., Ltd. Address before: Room 201, Building A, No. 1 Qianwan Road, Qianhai Shenzhen-Hong Kong Cooperation Zone, Shenzhen, Guangdong 518000:No. 1701, 1702B, A, New Hao one town, No. 7018 Cai Tian Road, Futian, Shenzhen 518000 Room 201, No. 1 A (Qianhai business secretary, Shenzhen, Shenzhen City, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen City, Guangdong) Applicant before: Maimaiti Mdt InfoTech Ltd, Shenzhen |
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Application publication date: 20180227 |