CN108038683A - Method of payment, payment system and readable storage medium storing program for executing based on two class accounts - Google Patents
Method of payment, payment system and readable storage medium storing program for executing based on two class accounts Download PDFInfo
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- CN108038683A CN108038683A CN201711294037.XA CN201711294037A CN108038683A CN 108038683 A CN108038683 A CN 108038683A CN 201711294037 A CN201711294037 A CN 201711294037A CN 108038683 A CN108038683 A CN 108038683A
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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
- G06Q20/22—Payment schemes or models
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The invention discloses a kind of method of payment based on two class accounts, this method comprises the following steps：The transaction payment request based on two class accounts is responded, obtains the account information of the two classes account；Judge whether the two classes account has bound fund account；When two classes account binding has fund account, initiate to pay for the request of corresponding turnover first to the corresponding collecting account of transaction payment request to the account issuers of the two classes account, and bill is generated to the fund account；Under default terms of settlement, the bill is cleared in the fund account.Technical solution provided by the invention enables a user to pay by the transaction between two classes account completion unbundling account and non-consumption, and avoids paying the limitation of limit.The present invention also provides a kind of payment system and computer-readable recording medium.
Description
Technical field
The present invention relates to payment technology field, more particularly to a kind of method of payment based on two class accounts, payment system and
Computer-readable recording medium.
Background technology
In order to increase risk management, differentiated control is carried out to bank account in China.Being opened by traditional bank cabinet face,
Meet the account of all strict demands of system of real name, be set to global function one kind account.Depositor can be handled by a kind of account and be deposited
Financial product, the Cash Outs such as money, purchase investment and financing products, payment etc. of transferring accounts, consume and pay the fees；Depositor passes through two class accounts
Family can carry out consumption and payment and financing is paid, but cannot access cash, cannot be limited to unbundling account transfer, equipped with payment
Volume；Three classes account is equipped with account fund limit, and depositor is only capable of handling small amount consumption by three classes account and payment is paid, must not
Handle other business.
Due to setting up for bank account classifying system, cause, when user is paid by two class accounts, to be propped up
The limitation of limit is paid, can not complete to pay.
Therefore, it is necessary to provide a kind of new method of payment, above-mentioned technical problem is solved.
The content of the invention
Can it is a primary object of the present invention to provide a kind of method of payment, payment system and computer based on two class accounts
Read storage medium, it is intended to when solution passes through two class bill payments, asked by the technology that payment limit limitation leads to not complete to pay
Topic.
To achieve the above object, the present invention provides a kind of method of payment based on two class accounts, and this method includes following step
Suddenly：
The transaction payment request based on two class accounts is responded, obtains the account information of the two classes account；
Judge whether the two classes account has bound fund account；
When two classes account binding has fund account, initiated to the account issuers of the two classes account to the friendship
The easy corresponding collecting account of payment request pays for the request of corresponding turnover first, and generates bill to the fund account；
Under default terms of settlement, the bill is cleared in the fund account.
Preferably, it is described when two classes account binding has fund account, to the account issuers of the two classes account
The request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment is initiated, and is given birth to the fund account
The step of into bill, specifically include：
When having fund account in two classes account binding, judge between the two classes account and the account issuers
With the presence or absence of credit agreement；
When between the two classes account and the account issuers there are during credit agreement, according to the credit agreement to institute
The account issuers for stating two class accounts are initiated to ask corresponding collecting account to pay for corresponding turnover first to the transaction payment
Request, and generate bill to the fund account.
Preferably, the credit agreement includes the credit fund of the maximum accrediting amount and default species；
It is described when between the two classes account and the account issuers there are during credit agreement, according to the credit agreement
Initiate to ask corresponding collecting account to pay for corresponding transaction first to the transaction payment to the account issuers of the two classes account
The request of volume, and to the fund account generate bill the step of, specifically include：
When there are during credit agreement, judge whether the turnover is big between the two classes account and the account issuers
In the maximum accrediting amount；
When the transaction amount is less than or equal to the maximum accrediting amount, the credit base in the fund account is judged
Whether golden Net asset value is more than the turnover；
When the credit fund asset net value is greater than or equal to the turnover, according to the credit agreement to the account
Family publisher initiates the request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment, and to the base
Golden account generates bill；
When the credit fund asset net value is less than the turnover, the fund account is initiated to fund management company
The application of applying to purchase of the credit fund of the default species, sends out according to the credit agreement to the account issuers of the two classes account
The request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment is played, and is generated to the fund account
Bill, wherein, the purchase volume for applying to purchase application of the credit fund of the default species is greater than or equal to the Net asset value and institute
State the difference between turnover.
Preferably, the bill includes the turnover, or the turnover and interest and value；
It is described under default terms of settlement, the step of clearance in the fund account to the bill, specifically
Including：
It is public to the corresponding fund management of the credit fund in the fund account under the default terms of settlement
Department initiates to redeem application, wherein, the redemption volume for redeeming application is equal to the turnover, or equal to the turnover and profit
Cease and value；
In the fund account, initiate to deliver from the fund management company to the account issuers and redeem asking for money
Ask, to complete the clearance to the bill.
Preferably, the bill includes the credit fund of the corresponding single-candidate of the turnover；
It is described under default terms of settlement, the step of clearance in the fund account to the bill, specifically
Including：
Under default terms of settlement, sent out in the fund account to the corresponding fund management company of the credit fund
Play fund share and assign an application or redeem application, the transfer shares to assign an application or the redemption share applied of redeeming are
Within bill generation day to the settlement day, the share and its fruits of the credit fund of the single-candidate；
In the fund account, the account issuers as described in the fund management company direction are initiated to deliver the transfer
Apply for the request of the fund share or redemption money for redeeming application produced, to complete the clearance to the bill.
Preferably, the bill further includes interest；
It is described under default terms of settlement, the step of clearance in the fund account to the bill, also wrap
Include：
It is public to the corresponding fund management of the credit fund in the fund account under the default terms of settlement
Department initiates fund share and assigns an application or redeem application, the transfer shares to assign an application or described redemption part for redeeming application
Volume is the credit fund of the corresponding single-candidate of the interest；
In the fund account, the account issuers as described in the fund management company direction are initiated to deliver the transfer
Apply for the request of the fund share or redemption money for redeeming application produced, to complete the clearance to the bill.
Preferably, transaction payment request of the response based on two class accounts, obtains the account information of the two classes account
The step of before, further include：
Obtain and pay Quick Response Code, parse to obtain transaction payment data according to the payment Quick Response Code；
According to the transaction payment data, the transaction payment request based on two class accounts is generated.
Present invention also offers a kind of payment system, including：
Two class bill payment respond modules, for responding the transaction payment request based on two class accounts, obtain two class
The account information of account；
Judgment module, for judging whether the two classes account has bound fund account；
Payment module, for when two classes account binding has fund account, being issued to the account of the two classes account
Fang Faqi asks corresponding collecting account to pay for the request of corresponding turnover first to the transaction payment, and to the fund account
Generate bill；
Module is cleared, under default terms of settlement, being cleared in the fund account to the bill.
The present invention provides a kind of payment system, the payment system include communication unit, storage unit, processing unit and
The computer program that can be run in the storage unit and on the processing unit is stored in, described in the processing unit performs
The step of method of payment as the aforementioned based on two class accounts is realized during computer program.
The present invention provides a kind of computer-readable recording medium, calculating is stored with the computer-readable recording medium
Machine program, the computer program are processed unit into the step of fashionable method of payment of the realization as the aforementioned based on two class accounts
Suddenly.
In technical solution provided by the invention, the function of being paid by using the financing of two class accounts limits from limit is paid
System, the mode paid for first with reference to account issuers so that it can complete to pay by two class accounts, and from payment limit and friendship
Whether easy account is the limitation for binding account.
Brief description of the drawings
Fig. 1 is the flow diagram of method of payment first embodiment of the present invention；
Fig. 2 is the flow diagram of method of payment second embodiment of the present invention；
Fig. 3 is the flow diagram of method of payment 3rd embodiment of the present invention；
Fig. 4 is the flow diagram of method of payment fourth embodiment of the present invention；
Fig. 5 is the flow diagram of the 5th embodiment of method of payment of the present invention；
Fig. 6 is the flow diagram of method of payment sixth embodiment of the present invention；
Fig. 7 is the flow diagram of the 7th embodiment of method of payment of the present invention；
Fig. 8 is the modular structure schematic diagram of the mobile terminal of one embodiment of the invention；
Fig. 9 is the modular structure schematic diagram of the mobile terminal of another embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only the part of the embodiment of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, those of ordinary skill in the art obtained without creative efforts it is all its
His embodiment, belongs to the scope of protection of the invention.
In addition, in the present invention such as relating to the description of " first ", " second " etc. be only used for description purpose, and it is not intended that
Indicate or imply its relative importance or the implicit quantity for indicating indicated technical characteristic.Thus, define " first ",
At least one this feature can be expressed or be implicitly included to the feature of " second ".In the description of the present invention, " multiple " contain
Justice is at least two, such as two, three etc., unless otherwise specifically defined.
In follow-up description, the suffix using such as " module ", " component " or " unit " for representing element is only
Be conducive to the explanation of the present invention, itself there is no a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
In addition, the technical solution between each embodiment of the present invention can be combined with each other, but must be general with this area
Logical technical staff can be implemented as basis, will be understood that when the combination appearance of technical solution is conflicting or can not realize this
The combination of technical solution is not present, also not within the protection domain of application claims.
The present invention proposes a kind of method of payment, payment system and computer-readable recording medium based on two class accounts.
With reference to Fig. 1, the flow diagram of the method for payment first embodiment of the invention based on two class accounts.The payer
Method 200 includes the following steps：
Step S1, responds the transaction payment request based on two class accounts, obtains the account information of the two classes account；
Specifically, the two classes account is restricted account, for example, equipped with pay day pay in limit, and/or year limit and/
Or without to unbundling account transfer function, and/or the account without cash-access function.The transaction payment request tool
Body includes payment account, turnover and collecting account, can also include paying property, exchange hour, loco etc..The payment
Property is consumption and payment, payment by the transfer of accounts, payment etc. of refunding.The transaction payment request based on two class accounts, specially in institute
When stating transaction payment and requesting to generate, the payment account that agreement completes transaction payment request is the two classes account.The account letter
Breath can specifically include householder's information of the two classes account, the account balance of the two classes account, be tied up with the two classes account
Agreement that fixed associated account information and the account issuers of the two classes account are signed etc..
Step S2, judges whether the two classes account has bound fund account；
The fund account is for managing and recording customer transaction fund species, the account of number change situation.At this
In implementation, the fund account with two classes account binding is the fund account that foundation is proposed based on the two classes account, so that
The fund account is completed to apply to purchase to what fund management company proposed or redeem Shen by the business of selling on a commission basis of the account issuers
Please.
Step S3, when two classes account binding has fund account, is initiated to the account issuers of the two classes account
Ask corresponding collecting account to pay for the request of corresponding turnover first to the transaction payment, and account is generated to the fund account
It is single；
The account issuers provide financial clothes to the user to set up the two classes account by the two classes account
Business, such as：Bank of China, China Construction Bank etc..The account issuers, which receive, pays for request first, and according to paying for request picture first
Corresponding collecting account is asked to pay for corresponding turnover first to the transaction payment.
The bill can specifically include the turnover, the profit of the account issuers and two classes account agreement
Breath, fund Redemption Price, transaction procedure take.
Step S4, under default terms of settlement, clears the bill in the fund account.
The account issuers arrange the default terms of settlement with the two classes account, such as can arrange clear in real time
Calculate, per diem clear, monthly clear, when reaching the settlement day of agreement, the bill is cleared by the fund account；Also
It can arrange to clear by the amount of money, such as when the amount of money that the account issuers are paid for first reaches 2,000,000 RMB, by the base
Golden account clears the bill.
In fact, in daily life, since two class accounts program of opening an account is relatively simple, so functionally doing rising limit
System, to increase its security.Paid or when initiating non-consumption based on the two classes account as unbound account is transferred accounts
Pay, also or the turnover exceedes when day paying limit and year and paying limit, cannot all complete payment behavior.
And in the present embodiment, the function of being paid by using the financing of two class accounts is from ceiling restriction is paid, with reference to account
The mode that family publisher pays for first so that can complete to pay by two class accounts, and be from limit and trading account is paid
The no limitation for binding account.
Referring to Fig. 2, the method stream for the method for payment 201 based on two class accounts described in second embodiment of the invention
Cheng Tu.In this second embodiment, step S1, step S2 and the step S4 of the method for payment 201 based on two class accounts with
Identical in first embodiment, details are not described herein；Its difference is that the step S3 specifically includes following steps：
Step S31, when two classes account binding has fund account, judges the two classes account and account distribution
It whether there is credit agreement between side；
The credit agreement can be the credit that the two classes account is signed with the account issuers, specifically define two
The rights and duties of person, limitation is made to the accrediting amount, credit scope etc., with the account issuers of reaching an agreement on to any payment
The payment behavior of property makes the behavior of paying for first, the behavior of paying for first is made to the turnover within how many amount, and reaches an agreement on and pay for first
After behavior occurs, how the account issuers carry out the affairs such as recovery to paying for behavior first.
Step S32, when between the two classes account and the account issuers there are during credit agreement, according to the credit
The account issuers of agreement to the two classes account are initiated to ask corresponding collecting account to be paid for first accordingly to the transaction payment
The request of turnover, and generate bill to the fund account.
Which kind of by the credit agreement, in the case of agreement specifically, initiated to the account issuers of the two classes account
Corresponding collecting account is asked to pay for the request of corresponding turnover first to the transaction payment, so as to complete the account issuers
The behavior of paying for first is made for the two classes account, avoids the occurrence of the desired consumption of non-user, the big amount of money of such as bank card steals brush.
Referring to Fig. 3, the method stream for the method for payment 202 based on two class accounts described in third embodiment of the invention
Cheng Tu.In the 3rd embodiment, step S1, step S2, step S4 and the step of the method for payment 202 based on two class accounts
Rapid S31 is identical with second embodiment, and details are not described herein；Its difference is that the credit agreement includes the maximum accrediting amount
With the credit fund of default species；
Preferably, the credit fund of the default species is the less monetary fund of investment risk or Bond Fund, certainly
The credit fund that the two classes account and the account issuers can also arrange the default species is equity fund, option base
Gold, Bond Fund etc., in the present embodiment, the credit fund of the default species is monetary fund.The credit fund also with
It is a kind of monetary fund of species, or the monetary fund of a variety of species, such as the credit fund can be the account
The B funds for the A fund management companies that the A funds of A fund management companies that family publisher sell, the account issuers are sold and
The C funds for the C fund management companies that the account issuers are sold.
The step S32 specifically includes following steps：
Step S321, when, there are during credit agreement, judging the friendship between the two classes account and the account issuers
Whether easy volume is more than the maximum accrediting amount；
Step S322, when the transaction amount is less than or equal to the maximum accrediting amount, judges the fund account
Whether interior credit fund asset net value is more than the turnover；
Step S323, when the credit fund asset net value is greater than or equal to the turnover, is assisted according to the credit
Discuss to the account issuers initiate to the transaction payment ask that corresponding collecting account pays for corresponding turnover first please
Ask, and bill is generated to the fund account；
Such as the credit agreement regulation maximum accrediting amount is 10,000 yuans, awarding in the fund account
Believe the monetary fund that fund is 20,000 shares, i.e., described credit fund asset net value is 20,000 yuans, equal to the turnover；
The credit agreement regulation maximum accrediting amount is 10,000 yuans, and the credit fund is the goods that 10,000 shares have been applied to purchase
The monetary fund that coin fund and 10,000 shares have been subscribed, i.e., described credit fund asset net value are equal to the friendship for 20,000 yuans
Easy volume.
Step S324, when the credit fund asset net value is less than the turnover, the fund account is to fund pipe
Reason company initiates the application of applying to purchase of the credit fund of the default species, the account according to the credit agreement to the two classes account
Family publisher initiates the request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment, and to the base
Golden account generates bill, wherein, the purchase volume of the purchase application of the credit fund of the default species is greater than or equal to the money
Produce the difference between net value and the turnover.
Preferably, when the fund account leaves the idle fund for not buying fund, preferentially using the idle fund to
Fund management company initiates the purchase application of the credit fund of the default species；When the amount of money of idle fund is less than the assets
, can be by the two classes account transfer fund to the fund account, then to institute during difference between net value and the turnover
State the purchase application that fund management company initiates the credit fund of the default species.
Referring to Fig. 4, the method stream for the method for payment 203 based on two class accounts described in fourth embodiment of the invention
Cheng Tu.In the fourth embodiment, step S1, S2, S3 and 3rd embodiment of the method for payment 203 based on two class accounts
In it is identical, details are not described herein；Its difference is, the bill includes the turnover, or the turnover and interest
And value；The step S4 specifically includes following steps：
Step S401, it is corresponding to the credit fund in the fund account under the default terms of settlement
Fund management company initiates to redeem application, wherein, the redemption volume for redeeming application is equal to the turnover, or the transaction
Volume and interest and value；
Specifically, the interest can be by the turnover, interest rate, bill generation day and calculate settlement day
Arrive.
Step S402, in the fund account, initiates to deliver from the fund management company to the account issuers
The request of money is redeemed, to complete the clearance to the bill.
It will be appreciated by persons skilled in the art that the fund account is initiated after redeeming application, the fund management is public
Department redeems application and pays the redemption money to the account issuers for described, and the account issuers are to the fund account
Pay the redemption money.But since there are the credit agreement and the account between the fund account and the account issuers
Single, which is directly used for the clearance of the bill by the account issuers, and is no longer paid and be somebody's turn to do to the fund account
Redeem money.
It is described redeem application redeem volume is equal to the turnover and interest and value, it can be understood as, user with it is described
Lend-borrow action occurs between account issuers, the account issuers collect interest for this lend-borrow action, and user passes through again
The redemption money repays the debt-credit, and is generated in the bill between day and settlement day, the fruits that the credit fund obtains by
User obtains.
By way of initiating the redemption application, the clearance of the bill is completed.So as to avoid use two class
Account carries out the behavior of transferring accounts of unbundling account, also avoids the payment limit of the two classes account setup.
Referring to Fig. 5, the method stream for the method for payment 204 based on two class accounts described in fifth embodiment of the invention
Cheng Tu.In the 5th embodiment, step S1, S2, S3 and 3rd embodiment of the method for payment 204 based on two class accounts
In it is identical, details are not described herein；Its difference is that the bill includes the credit fund of the corresponding single-candidate of the turnover；Institute
State step S4 and specifically include following steps：
Step S411, under default terms of settlement, to the corresponding fund of the credit fund in the fund account
Management company initiates fund share and assigns an application or redeem application, what the transfer shares to assign an application or the redemption were applied
It is to be generated in the bill in day to the settlement day to redeem share, the share and its fruits of the credit fund of the single-candidate；
Wherein, the fruits generate the bonus obtained in day to the settlement day for the credit fund in the bill.
Step S412, in the fund account, the account issuers as described in the fund management company direction are initiated to hand over
The request of assign an application the fund share produced or the redemption money for redeeming application is paid, to complete to the bill
Clearance.
Specifically, the fund account initiates to carry out share turn to the account issuers to the fund management company
Allow, after the fund management company makes conveyancing, the fund management company, the account issuers and the fund account
Fund does not occur between family to transfer accounts behavior.The account issuers are received the fund management company and are turned based on the fund share
Allow after the fund share that application produces, can continue to hold the fund share, or the fund share is initiated to redeem.
The method of payment 204 based on two class accounts and the method for payment 203 based on two class accounts are maximum not
Same to be, the fund account is different for the calculation of the turnover from the account issuers, and two are based on described
In the method for payment 203 of class account, the bill between the fund account and the account issuers is come with monetary unit
Calculate；It is described between the fund account and the account issuers described based in the method for payment 204 of two class accounts
Bill is calculated with share.
Referring to Fig. 6, the method stream for the method for payment 205 based on two class accounts described in sixth embodiment of the invention
Cheng Tu.In the sixth embodiment, step S411, S412 of the method for payment 205 based on two class accounts and the 5th are implemented
Identical in example, details are not described herein；Its difference is that the bill further includes interest；The step S4 is further comprising the steps of：
Step S413, it is corresponding to the credit fund in the fund account under the default terms of settlement
Fund management company initiates fund share and assigns an application or redeem application, the transfer shares to assign an application or the redemption Shen
Redemption share please is the credit fund of the corresponding single-candidate of the interest；
Step S414, in the fund account, the account issuers as described in the fund management company direction are initiated to hand over
The request of assign an application the fund share produced or the redemption money for redeeming application is paid, to complete to the bill
Clearance.
Referring to Fig. 7, the method stream for the method for payment 206 based on two class accounts described in seventh embodiment of the invention
Cheng Tu.In the 7th embodiment, step S1, step S2, step S3 and the step of the method for payment 206 based on two class accounts
Rapid S4 is identical with first embodiment, and details are not described herein；Its difference is, before the step S1, further includes：
Step S5, obtains and pays Quick Response Code, parses to obtain transaction payment data according to the payment Quick Response Code；
Step S6, according to the transaction payment data, generates the transaction payment request based on two class accounts.
Quick Response Code (Quick Response, QR) is distributed in the plane according to certain rules with certain specific geometric figure
Chequered with black and white graphic recording data symbol information；Utilized on coding and form computer-internal logical foundations
" 0 ", the concept of " 1 " bit stream, represents word numerical information with the corresponding geometrical body of binary system using several, passes through
Image input device or photoelectric scanning device automatically identifying and reading are to realize that information automatically processes.User can be by setting with picture input
Standby or photoelectric scanning device obtains the payment Quick Response Code, and the payment Quick Response Code is arranged to deposit according to certain rules with geometrical pattern
The transaction payment data are stored up, by having the function of that the payment Quick Response Code is parsed to obtain the friendship by the equipment for parsing Quick Response Code
Easy data.
Referring to Fig. 8, the modular structure schematic diagram of the mobile terminal for one embodiment of the invention.Present invention also offers one
Kind payment system 100, the payment system 100 include：
Two class bill payment respond modules 1, for responding the transaction payment request based on two class accounts, obtain two class
The account information of account；
Judgment module 2, for judging whether the two classes account has bound fund account；
Payment module 3, for when two classes account binding has fund account, being issued to the account of the two classes account
Fang Faqi asks corresponding collecting account to pay for the request of corresponding turnover first to the transaction payment, and to the fund account
Generate bill；
Module 4 is cleared, under default terms of settlement, being cleared in the fund account to the bill.
In the present embodiment, the function of paying is managed money matters using two class accounts by the payment module 3 from payment limit
Limitation, the mode paid for first with reference to account issuers so that can by two class accounts complete pay, and from pay limit and
Whether transaction account account is the limitation for binding account.Pass through the clearance module 4 so that the account issuers pay for behavior first
By to the fund account recovery.
Further, the judgment module 2 is additionally operable to, when two classes account binding has fund account, judge described two
It whether there is credit agreement between class account and the account issuers；
The payment module 3 be additionally operable to when between the two classes account and the account issuers there are during credit agreement,
Initiated to ask corresponding gathering account to the transaction payment according to the account issuers of the credit agreement to the two classes account
The request of corresponding turnover is paid at family first, and generates bill to the fund account.
Further, the judgment module 2 is additionally operable to work as to exist between the two classes account and the account issuers and awards
When believing agreement, judge whether the turnover is more than the maximum accrediting amount, and when the transaction amount is less than or equal to
During the maximum accrediting amount, judge whether the credit fund asset net value in the fund account is more than the turnover；
The payment module 3 is additionally operable to when the credit fund asset net value is greater than or equal to the turnover, according to
The credit agreement initiates to ask corresponding collecting account to pay for corresponding friendship first to the transaction payment to the account issuers
The request of easy volume, and bill is generated to the fund account, and it is less than the turnover in the credit fund asset net value
When, the fund account initiates the application of applying to purchase of the credit fund of the default species to fund management company, is awarded according to described
The account issuers of letter agreement to the two classes account are initiated to ask corresponding collecting account to be paid for first accordingly to the transaction payment
Turnover request, and to the fund account generate bill, wherein, the application of applying to purchase of the credit fund of the default species
Purchase volume be greater than or equal to difference between the Net asset value and the turnover.
Further, the clearance module 4 specifically includes：
Application module 41 is initiated, under the default terms of settlement, to the credit in the fund account
The corresponding fund management company of fund initiates to redeem application, wherein, the redemption volume for redeeming application is equal to the turnover, or
Person is equal to the turnover and interest and value；
Clearance module 42 is completed, in the fund account, is sent out from the fund management company to the account issuers
The request delivered and redeem money is acted, to complete the clearance to the bill.
Further, the application module 41 of initiating is additionally operable under default terms of settlement, in the fund account
Fund share is initiated to the corresponding fund management company of the credit fund assigns an application or redeem application, it is described to assign an application
Transfer shares or the redemption share for redeeming application are to be generated in the bill in day to the settlement day, and the single-candidate is awarded
Believe the share and its fruits of fund；
The clearance module 42 of completing is additionally operable in the fund account, the account as described in the fund management company direction
Family publisher initiates assign an application described in delivery the fund share produced or the request for redeeming money for redeeming application, with complete
The clearance of the paired bill.
Further, the application module 41 of initiating is additionally operable under the default terms of settlement, in the fund account
It is indoor to assign an application or redeem application, the transfer Shen to the corresponding fund management company's initiation fund share of the credit fund
The redemption share that transfer shares or the redemption please is applied is the credit fund of the corresponding single-candidate of the interest；
In the fund account, the clearance module of completing is additionally operable to the account as described in the fund management company direction
Publisher initiates assign an application described in delivery the fund share produced or the request for redeeming money for redeeming application, to complete
To the clearance of the bill.
Further, the payment system 100 further includes：
Two-dimensional code acquisition module 5, Quick Response Code is paid for obtaining, and parses to obtain transaction payment according to the payment Quick Response Code
Data；
Data generation module 6 generates the transaction payment request based on two class accounts according to the transaction payment data.
Fig. 9 is refer to, is the modular structure schematic diagram of the mobile terminal of another embodiment of the present invention.Present invention also offers
A kind of payment system 101, the payment system 101 include communication unit 10, storage unit 20, processing unit 30 and are stored in institute
The computer program that can be run in storage unit 20 and on the processing unit 30 is stated, the processing unit 30 performs the meter
The step of method of payment based on two class accounts as described in foregoing any embodiment is realized during calculation machine program, specifically includes：
Step S1, responds the transaction payment request based on two class accounts, obtains the account information of the two classes account；
Step S2, judges whether the two classes account has bound fund account；
Step S3, when two classes account binding has fund account, is initiated to the account issuers of the two classes account
Ask corresponding collecting account to pay for the request of corresponding turnover first to the transaction payment, and account is generated to the fund account
It is single；
Step S4, under default terms of settlement, clears the bill in the fund account.
In technical solution provided by the invention, the function of being paid by using the financing of two class accounts limits from limit is paid
System, the mode paid for first with reference to account issuers so that it can complete to pay by two class accounts, and from payment limit and friendship
Whether easy account is the limitation for binding account.
Further, it is described when two classes account binding has fund account, issued to the account of the two classes account
Fang Faqi asks corresponding collecting account to pay for the request of corresponding turnover first to the transaction payment, and to the fund account
The step of generating bill, specifically includes：
Step S31, when two classes account binding has fund account, judges the two classes account and account distribution
It whether there is credit agreement between side；
Step S32, when between the two classes account and the account issuers there are during credit agreement, according to the credit
The account issuers of agreement to the two classes account are initiated to ask corresponding collecting account to be paid for first accordingly to the transaction payment
The request of turnover, and generate bill to the fund account.
Further, the credit agreement includes the credit fund of the maximum accrediting amount and default species；It is described when described
There are during credit agreement between two class accounts and the account issuers, the account according to the credit agreement to the two classes account
Family publisher initiates the request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment, and to the base
The step of golden account generation bill, specifically include：
Step S321, when, there are during credit agreement, judging the friendship between the two classes account and the account issuers
Whether easy volume is more than the maximum accrediting amount；
Step S322, when the transaction amount is less than or equal to the maximum accrediting amount, judges the fund account
Whether interior credit fund asset net value is more than the turnover；
Step S323, when the credit fund asset net value is greater than or equal to the turnover, is assisted according to the credit
The account issuers discussed to the two classes account are initiated to ask corresponding collecting account to pay for corresponding friendship first to the transaction payment
The request of easy volume, and generate bill to the fund account；
Step S324, when the credit fund asset net value is less than the turnover, the fund account is to fund pipe
Reason company initiates the application of applying to purchase of the credit fund of the default species, the account according to the credit agreement to the two classes account
Family publisher initiates the request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment, and to the base
Golden account generates bill, wherein, the purchase volume for applying to purchase application of the credit fund of the default species is greater than or equal to the money
Produce the difference between net value and the turnover.
Further, the bill includes the turnover, or the turnover and interest and value；It is described to preset
Terms of settlement under, the step of being cleared by the fund account to the bill, specifically includes：
Step S401, it is corresponding to the credit fund in the fund account under the default terms of settlement
Fund management company initiates to redeem application, wherein, the redemption volume for redeeming application is equal to the turnover, or the transaction
Volume and interest and value；
Step S402, in the fund account, the account issuers as described in the fund management company direction are initiated to hand over
The request for redeeming money is paid, completes the clearance to the bill.
Further, the bill includes the credit fund of the corresponding single-candidate of the turnover；It is described in default clearance
Under the conditions of, the step of clearance in the fund account to the bill, specifically include：
Step S411, under default terms of settlement, to the corresponding fund of the credit fund in the fund account
Management company initiates fund share and assigns an application or redeem application, what the transfer shares to assign an application or the redemption were applied
It is to be generated in the bill in day to the settlement day to redeem share, the share and its fruits of the credit fund of the single-candidate；
Step S412, in the fund account, the account issuers as described in the fund management company direction are initiated to hand over
The request for redeeming money is paid, to complete the clearance to the bill.
Further, the bill further includes interest；It is described under default terms of settlement, it is right in the fund account
The step of bill is cleared, further includes：
Step S413, it is corresponding to the credit fund in the fund account under the default terms of settlement
Fund management company initiates fund share and assigns an application or redeem application, the transfer shares to assign an application or the redemption Shen
Redemption share please is the credit fund of the corresponding single-candidate of the interest；
Step S414, in the fund account, the account issuers as described in the fund management company direction are initiated to hand over
The request for redeeming money is paid, to complete the clearance to the bill.
Further, transaction payment request of the response based on two class accounts, obtains the account letter of the two classes account
Before the step of breath, further include：
Step S5, obtains and pays Quick Response Code, parses to obtain transaction payment data according to the payment Quick Response Code；
Step S6, according to the transaction payment data, generates the transaction payment request based on two class accounts.
The present invention also provides a kind of computer-readable recording medium, calculating is stored with the computer-readable recording medium
Machine program, the computer program are processed unit into the step of fashionable method of payment of the realization as the aforementioned based on two class accounts
Suddenly.
In the description of this specification, reference term " embodiment ", " another embodiment ", " other embodiment " or "
The description of one embodiment~X embodiment " etc. mean to combine the specific features that the embodiment or example describe, structure, material or
Person's feature is contained at least one embodiment of the present invention or example.In the present specification, to the schematic table of above-mentioned term
State and may not refer to the same embodiment or example.Moreover, specific features, structure, material, method and step or the spy of description
Point can combine in an appropriate manner in any one or more embodiments or example.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements not only include those key elements, and
And other elements that are not explicitly listed are further included, or further include as this process, method, article or system institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Also there are other identical element in the process of key element, method, article or system.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The foregoing is merely the optional implementation of the present invention, it is not intended to limit the scope of the invention, it is every in this hair
Under bright design, the equivalent structure transformation made using description of the invention and accompanying drawing content, or directly/other are used in indirectly
Relevant technical field is included in the scope of patent protection of the present invention.
Claims (10)
1. a kind of method of payment based on two class accounts, it is characterised in that including step：
The transaction payment request based on two class accounts is responded, obtains the account information of the two classes account；
Judge whether the two classes account has bound fund account；
When two classes account binding has fund account, initiated to the account issuers of the two classes account to the transaction branch
The request that the corresponding collecting account of request pays for corresponding turnover first is paid, and bill is generated to the fund account；
Under default terms of settlement, the bill is cleared in the fund account.
2. the method for payment as claimed in claim 1 based on two class accounts, it is characterised in that described to be tied up in the two classes account
When having fund account surely, initiate to ask corresponding collecting account to the transaction payment to the account issuers of the two classes account
Pay for the request of corresponding turnover first, and to the fund account generate bill the step of, specifically include：
When two classes account binding has fund account, judge whether deposited between the two classes account and the account issuers
In credit agreement；
When between the two classes account and the account issuers there are during credit agreement, according to the credit agreement to described two
The account issuers of class account initiate the request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment,
And generate bill to the fund account.
3. the method for payment as claimed in claim 2 based on two class accounts, it is characterised in that the credit agreement includes maximum
The credit fund of the accrediting amount and default species；
It is described when between the two classes account and the account issuers there are during credit agreement, according to the credit agreement to institute
The account issuers for stating two class accounts are initiated to ask corresponding collecting account to pay for corresponding turnover first to the transaction payment
Request, and to the fund account generate bill the step of, specifically include：
When there are during credit agreement, judge whether the turnover is more than institute between the two classes account and the account issuers
State the maximum accrediting amount；
When the transaction amount is less than or equal to the maximum accrediting amount, the credit fund money in the fund account is judged
Whether production net value is more than the turnover；
When the credit fund asset net value is greater than or equal to the turnover, sent out according to the credit agreement to the account
Row side initiates the request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment, and to the fund account
Family generates bill；
When the credit fund asset net value is less than the turnover, described in the fund account to fund management company's initiation
The application of applying to purchase of the credit fund of default species, according to the account issuers of the credit agreement to the two classes account initiate to
The transaction payment asks corresponding collecting account to pay for the request of corresponding turnover first, and generates account to the fund account
It is single, wherein, the purchase volume for applying to purchase application of the credit fund of the default species be greater than or equal to the Net asset value with it is described
Difference between turnover.
4. the method for payment as claimed in claim 3 based on two class accounts, it is characterised in that the bill includes the transaction
Volume, or the turnover and interest and value；
It is described under default terms of settlement, the step of clearance in the fund account to the bill, specifically include：
Under the default terms of settlement, sent out in the fund account to the corresponding fund management company of the credit fund
Rise and redeem application, wherein, the redemption volume for redeeming application is equal to the turnover, or equal to the turnover and interest
And value；
In the fund account, initiate to deliver the request for redeeming money from the fund management company to the account issuers,
To complete the clearance to the bill.
5. the method for payment as claimed in claim 3 based on two class accounts, it is characterised in that the bill includes the transaction
The credit fund of the corresponding single-candidate of volume；
It is described under default terms of settlement, the step of clearance in the fund account to the bill, specifically include：
Under default terms of settlement, base is initiated to the corresponding fund management company of the credit fund in the fund account
Golden share assigns an application or redeems application, and the transfer shares to assign an application or the redemption share for redeeming application is in institutes
State in bill generation day to the settlement day, the share and its fruits of the credit fund of the single-candidate；
In the fund account, the account issuers as described in the fund management company direction are initiated to assign an application described in delivery
The fund share produced or the request of the redemption money for redeeming application, to complete the clearance to the bill.
6. the method for payment as claimed in claim 5 based on two class accounts, it is characterised in that the bill further includes interest；
It is described under default terms of settlement, the step of clearance in the fund account to the bill, further include：
Under the default terms of settlement, sent out in the fund account to the corresponding fund management company of the credit fund
Play fund share and assign an application or redeem application, the transfer shares to assign an application or the redemption share applied of redeeming are
The credit fund of the corresponding single-candidate of the interest；
In the fund account, the account issuers as described in the fund management company direction are initiated to assign an application described in delivery
The fund share produced or the request of the redemption money for redeeming application, to complete the clearance to the bill.
7. the method for payment as claimed in claim 1 based on two class accounts, it is characterised in that the response is based on two class accounts
Transaction payment request, before the step of obtaining the account information of the two classes account, further include：
Obtain and pay Quick Response Code, parse to obtain transaction payment data according to the payment Quick Response Code；
According to the transaction payment data, the transaction payment request based on two class accounts is generated.
A kind of 8. payment system, it is characterised in that including：
Two class bill payment respond modules, for responding the transaction payment request based on two class accounts, obtain the two classes account
Account information；
Judgment module, for judging whether the two classes account has bound fund account；
Payment module, for when two classes account binding has fund account, being sent out to the account issuers of the two classes account
The request for asking corresponding collecting account to pay for corresponding turnover first to the transaction payment is played, and is generated to the fund account
Bill；
Module is cleared, under default terms of settlement, being cleared in the fund account to the bill.
9. a kind of payment system, it is characterised in that the payment system includes communication unit, storage unit, processing unit and deposits
The computer program that can be run in the storage unit and on the processing unit is stored up, the processing unit performs the meter
The step of method of payment based on two class accounts as any one of claim 1 to 7 is realized during calculation machine program.
10. a kind of computer-readable recording medium, it is characterised in that be stored with computer on the computer-readable recording medium
Program, the computer program be processed unit into it is fashionable realization as any one of claim 1 to 7 based on two class accounts
The step of method of payment at family.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711294037.XA CN108038683B (en) | 2017-12-08 | 2017-12-08 | Payment method, payment system and readable storage medium based on class II account |
| PCT/CN2018/119391 WO2019109956A1 (en) | 2017-12-08 | 2018-12-05 | Category ii account-based payment method, payment system, and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711294037.XA CN108038683B (en) | 2017-12-08 | 2017-12-08 | Payment method, payment system and readable storage medium based on class II account |
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| CN108038683A true CN108038683A (en) | 2018-05-15 |
| CN108038683B CN108038683B (en) | 2020-08-28 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201711294037.XA Active CN108038683B (en) | 2017-12-08 | 2017-12-08 | Payment method, payment system and readable storage medium based on class II account |
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| WO (1) | WO2019109956A1 (en) |
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| CN111383112A (en) * | 2020-03-05 | 2020-07-07 | 腾讯科技（深圳）有限公司 | Data processing method, device, system, storage medium and computer equipment |
| CN111429125A (en) * | 2020-03-17 | 2020-07-17 | 京东数字科技控股有限公司 | Account management method and device, storage medium and electronic equipment |
| CN112734435A (en) * | 2021-01-08 | 2021-04-30 | 北京开科唯识技术股份有限公司 | Payment method, payment device, electronic equipment and computer-readable storage medium |
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Also Published As
| Publication number | Publication date |
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| CN108038683B (en) | 2020-08-28 |
| WO2019109956A1 (en) | 2019-06-13 |
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