CN108038683B - Payment method, payment system and readable storage medium based on class II account - Google Patents
Payment method, payment system and readable storage medium based on class II account Download PDFInfo
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- CN108038683B CN108038683B CN201711294037.XA CN201711294037A CN108038683B CN 108038683 B CN108038683 B CN 108038683B CN 201711294037 A CN201711294037 A CN 201711294037A CN 108038683 B CN108038683 B CN 108038683B
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Abstract
The invention discloses a payment method based on a second type account, which comprises the following steps: responding to a transaction payment request based on a second type account, and acquiring account information of the second type account; judging whether the second type of account is bound with a fund account or not; when the second type of account is bound with a fund account, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account, and generating a bill to the fund account; and clearing the bill in the fund account under the preset clearing condition. The technical scheme provided by the invention enables the user to complete the transaction and non-consumption payment between the unbound accounts through the second type of account, and avoids the limitation of payment limit. The invention also provides a payment system and a computer readable storage medium.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a payment method, a payment system and a computer readable storage medium based on a second-class account.
Background
In order to increase risk management, hierarchical management is carried out on bank accounts in China. Accounts which are opened on the traditional bank counter and meet all strict requirements of real-name systems are set as full-function accounts of one type. The depositor can transact deposit, buy financial products such as investment and financing products and the like, draw cash, transfer accounts, consume and pay payment and the like through a class of accounts; the depositor can perform consumption payment and financing payment through the second-class account, but cannot access cash, transfer accounts to the unbound account and set payment limit; the three types of accounts are provided with account fund limits, and the depositor can only handle small-amount consumption and payment through the three types of accounts and cannot handle other services.
Due to the establishment of the bank account grading system, when a user pays through the second type of account, the user is limited by payment limit and cannot complete payment.
Therefore, there is a need to provide a new payment method, which solves the above technical problems.
Disclosure of Invention
The invention mainly aims to provide a payment method, a payment system and a computer readable storage medium based on a second-class account, aiming at solving the technical problem that payment cannot be finished due to the limitation of payment limit when payment is carried out through the second-class account.
In order to achieve the above object, the present invention provides a payment method based on a second type account, which comprises the following steps:
responding to a transaction payment request based on a second type account, and acquiring account information of the second type account;
judging whether the second type of account is bound with a fund account or not;
when the second type of account is bound with a fund account, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account, and generating a bill to the fund account;
and clearing the bill in the fund account under the preset clearing condition.
Preferably, when a fund account is bound to the second type of account, the step of initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account and generating a bill to the fund account specifically includes:
when a fund account is bound to the second type of account, judging whether a credit authorization protocol exists between the second type of account and the account issuer;
and when a credit agreement exists between the second type of account and the account issuer, initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account.
Preferably, the credit agreement comprises a maximum credit line and a preset type of credit fund;
when a credit agreement exists between the second type of account and the account issuer, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account, specifically comprising the following steps:
when a credit agreement exists between the second type account and the account issuer, judging whether the transaction amount is larger than the maximum credit line;
when the transaction amount is less than or equal to the maximum credit line, judging whether the net value of the credit fund asset in the fund account is greater than the transaction amount;
when the credit fund equity net value is larger than or equal to the transaction amount, initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer according to the credit agreement, and generating a bill to the fund account;
and when the equity of the credit fund is less than the transaction amount, the fund account initiates a subscription application of the credit fund of the preset type to a fund management company, initiates a request of paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account according to the credit agreement, and generates a bill to the fund account, wherein the purchase amount of the subscription application of the credit fund of the preset type is greater than or equal to the difference between the equity and the transaction amount.
Preferably, the bill includes the transaction amount, or the sum of the transaction amount and interest;
the step of clearing the bill in the fund account under the preset clearing condition specifically comprises:
under the preset clearing condition, initiating a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the redemption amount of the redemption application is equal to the transaction amount or the sum of the transaction amount and interest;
within the fund account, a request to deliver redemption payments is initiated by the fund management company to the account issuer to complete the clearing of the bill.
Preferably, the bill comprises an equal amount of credit fund corresponding to the transaction amount;
the step of clearing the bill in the fund account under the preset clearing condition specifically comprises:
under preset clearing conditions, initiating fund share transfer application or redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption share of the redemption application is the share of the equal credit fund and the propagation information thereof from the generation date to the clearing date of the bill;
initiating, within the fund account, a request by the fund management company to the account issuer to deliver the fund share transferred out of the transfer application or the redemption of the redemption application to complete the clearing of the bill.
Preferably, the bill also includes interest;
the step of clearing the bill in the fund account under the preset clearing condition further comprises:
under the preset clearing condition, initiating a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption application is the equal amount of the credit fund corresponding to the interest;
initiating, within the fund account, a request by the fund management company to the account issuer to deliver the fund share transferred out of the transfer application or the redemption of the redemption application to complete the clearing of the bill.
Preferably, before the step of acquiring the account information of the second type of account in response to the transaction payment request based on the second type of account, the method further includes:
acquiring a payment two-dimensional code, and analyzing according to the payment two-dimensional code to obtain transaction payment data;
and generating a transaction payment request based on the second type of account according to the transaction payment data.
The invention also provides a payment system comprising:
the second-class account payment response module is used for responding to a transaction payment request based on a second-class account and acquiring account information of the second-class account;
the judging module is used for judging whether the second type of account is bound with a fund account;
the payment module is used for initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account when the second type of account is bound with a fund account, and generating a bill to the fund account;
and the clearing module is used for clearing the bill in the fund account under the preset clearing condition.
The invention provides a payment system comprising a communication unit, a storage unit, a processing unit and a computer program stored on the storage unit and operable on the processing unit, the processing unit implementing the steps of the aforementioned payment method based on class two accounts when executing the computer program.
The invention provides a computer-readable storage medium having stored thereon a computer program which, when entered by a processing unit, implements the steps of a payment method based on a class two account as described above.
In the technical scheme provided by the invention, the function of financing and payment by utilizing the second-class account is not limited by the payment limit, and the payment can be completed through the second-class account by combining the payment backing mode of an account issuer, and the limit of whether the payment limit and the transaction account are bound accounts is not limited.
Drawings
FIG. 1 is a schematic flow chart of a payment method according to a first embodiment of the present invention;
FIG. 2 is a schematic flow chart of a payment method according to a second embodiment of the present invention;
FIG. 3 is a schematic flow chart of a payment method according to a third embodiment of the present invention;
FIG. 4 is a schematic flow chart of a payment method according to a fourth embodiment of the present invention;
FIG. 5 is a schematic flow chart of a fifth embodiment of the payment method of the present invention;
FIG. 6 is a schematic flow chart of a payment method according to a sixth embodiment of the present invention;
fig. 7 is a schematic flow chart of a seventh embodiment of the payment method of the present invention;
fig. 8 is a schematic block diagram of a mobile terminal according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of a module of a mobile terminal according to another embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In addition, the descriptions related to "first", "second", etc. in the present invention are only for descriptive purposes and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.
In addition, the technical solutions in the embodiments of the present invention may be combined with each other, but it must be based on the realization of those skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination of technical solutions should not be considered to exist, and is not within the protection scope of the present invention.
The invention provides a payment method, a payment system and a computer readable storage medium based on a second type account.
Referring to fig. 1, a flowchart of a first embodiment of a payment method based on a class ii account according to the present invention is shown. The payment method 200 comprises the following steps:
step S1, responding to the transaction payment request based on the second type account, and acquiring account information of the second type account;
in particular, the second type of account is a restricted account, such as an account with a daily payment limit, and/or an annual payment limit, and/or no transfer function to an unbound account, and/or no cash access function. The transaction payment request specifically includes a payment account, a transaction amount and a collection account, and may further include payment properties, transaction time, transaction location, and the like. The payment properties are consumption payment, transfer payment, repayment, etc. The transaction payment request based on the second type of account is specifically that when the transaction payment request is generated, the payment account which is agreed to complete the transaction payment request is the second type of account. The account information may specifically include account owner information of the second type of account, account balance of the second type of account, related account information bound to the second type of account, an agreement signed with an account issuer of the second type of account, and the like.
Step S2, judging whether the second type of account is bound with a fund account;
the fund account is used for managing and recording the change situation of the types and the quantities of the user transaction funds. In this implementation, the fund account bound with the second type of account is a fund account established based on the second type of account, so that the fund account completes the application for subscription or redemption made to the fund management company through the brokerage service of the account issuer.
Step S3, when the second type account is bound with a fund account, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type account, and generating a bill to the fund account;
the account issuer sets up the two types of accounts and provides financial services for users through the two types of accounts, such as: china bank, China construction bank, etc. And the account issuer receives the payment backing request and pads a corresponding transaction amount to a collection account corresponding to the transaction payment request according to the payment backing request.
The bill may specifically include the transaction amount, interest agreed by the account issuer with the second type of account, a fund redemption fee, a transaction commission fee, and the like.
And step S4, clearing the bill in the fund account under the preset clearing condition.
The account issuer and the second type account agree on the preset clearing conditions, such as real-time clearing, daily clearing and monthly clearing, and when the agreed clearing date is reached, the bill is cleared by the fund account; clearing by funds may also be agreed, for example, when the amount underlying the account issuer reaches 2000 thousand RMB, the bill is cleared by the fund account.
In fact, in daily life, since the class ii account opening procedure is simple, a limitation is made in function to increase its security. When a non-consumer payment is initiated based on the second type of account, or a transfer payment is made like an unbound account, or the transaction amount exceeds a daily payment limit and an annual payment limit, the payment cannot be completed.
In the embodiment, the function of financing and payment by using the second-class account is not limited by the payment limit, and the payment can be completed through the second-class account in combination with the payment backing mode of the account issuer, and the limitation of whether the payment limit and the transaction account are bound accounts is not limited.
Referring to fig. 2, a flowchart of a payment method 201 based on class ii accounts according to a second embodiment of the present invention is shown. In this second embodiment, the steps S1, S2 and S4 of the payment method 201 based on the second type of account are the same as those in the first embodiment, and are not repeated herein; the difference is that the step S3 specifically includes the following steps:
step S31, when the second type account is bound with fund account, judging whether there is credit agreement between the second type account and the account issuer;
the credit agreement can be the credit signed by the second type account and the account issuer, specifically limits the right and obligation of the two, limits the credit amount and the credit range, and the like, makes payment-backing behavior according to the payment behavior of which payment property of the account issuer is agreed, makes payment-backing behavior according to the transaction amount within the certain amount, and agrees on the transaction of how the account issuer compensates the payment-backing behavior after the payment-backing behavior occurs.
Step S32, when a credit agreement exists between the second type account and the account issuer, a request for paying the corresponding transaction amount to the collection account corresponding to the transaction payment request is initiated to the account issuer of the second type account according to the credit agreement, and a bill is generated to the fund account.
And initiating a request for paying the corresponding transaction amount to the collection account corresponding to the transaction payment request to the account issuer of the second type of account under the specific condition of agreement through the credit granting protocol, thereby completing the payment-paying action of the account issuer to the second type of account, and avoiding the consumption which is not expected by the user, such as the embezzlement of the large amount of the bank card and the like.
Referring to fig. 3, a flowchart of a payment method 202 based on class two accounts according to a third embodiment of the present invention is shown. In this third embodiment, the steps S1, S2, S4 and S31 of the payment method 202 based on the second type of account are the same as those in the second embodiment, and are not described again; the difference is that the credit agreement comprises a maximum credit line and a preset type of credit fund;
preferably, the predetermined kind of credit fund is a money fund or a bond fund with a small investment risk, but the second kind of account and the account issuer may agree that the predetermined kind of credit fund is a stock fund, an option fund, a bond fund, or the like, and in this embodiment, the predetermined kind of credit fund is a money fund. The credit fund may be one kind of money fund or a plurality of kinds of money funds, and for example, the credit fund may be an a fund of an a fund management company that the account issuer sells, a B fund of an a fund management company that the account issuer sells, and a C fund of a C fund management company that the account issuer sells.
The step S32 specifically includes the following steps:
step S321, when a credit agreement exists between the second-class account and the account issuer, judging whether the transaction amount is larger than the maximum credit line;
step S322, when the transaction amount is less than or equal to the maximum credit line, judging whether the net value of the credit fund asset in the fund account is greater than the transaction amount;
step S323, when the credit fund net value is greater than or equal to the transaction amount, initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer according to the credit agreement, and generating a bill to the fund account;
for example, the credit agreement specifies that the maximum credit line is 1 ten thousand yuan RMB, and the credit fund in the fund account is 2 ten thousand shares of currency fund, that is, the net value of the credit fund is 2 ten thousand yuan RMB, which is equal to the transaction amount; the credit agreement stipulates that the maximum credit line is 1 ten thousand yuan RMB, the credit fund is 1 ten thousand shares of applied and approved currency fund, namely the net value of the credit fund is 2 ten thousand yuan RMB equal to the transaction amount.
Step S324, when the credit fund net value is smaller than the transaction amount, the fund account initiates a subscription application of the credit fund of the preset type to a fund management company, initiates a request of paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account according to the credit agreement, and generates a bill to the fund account, wherein the purchase amount of the purchase application of the credit fund of the preset type is larger than or equal to the difference value between the net value of the asset and the transaction amount.
Preferably, when the fund account has idle fund for not purchasing fund, the idle fund is preferably used for initiating a purchase application of the credit fund of the preset type to a fund management company; and when the amount of the idle fund is less than the difference value between the net asset value and the transaction amount, transferring the fund to the fund account through the second type of account, and initiating a purchase application of the credit fund of the preset type to the fund management company.
Referring to fig. 4, a flowchart of a payment method 203 based on class two accounts according to a fourth embodiment of the present invention is shown. In this fourth embodiment, steps S1, S2, and S3 of the payment method 203 based on the second type of account are the same as those in the third embodiment, and are not described herein again; the difference is that the bill includes the transaction amount, or the sum of the transaction amount and interest; the step S4 specifically includes the following steps:
step S401, under the preset clearing condition, initiating a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the redemption amount of the redemption application is equal to the transaction amount or the sum of the transaction amount and interest;
in particular, the interest may be calculated from the transaction amount, interest rate, the bill generation day and the clearing day.
Step S402, initiating a request for redemption of a redemption payment to the account issuer by the fund management company within the fund account to complete the clearing of the bill.
As will be appreciated by those skilled in the art, upon the redemption application initiated by the fund account, the fund management company pays the redemption fee to the account issuer for the redemption application, which is paying the redemption fee to the fund account. But because of the credit agreement and the bill between the fund account and the account issuer, the account issuer uses the redemption directly for the clearing of the bill and no longer pays the redemption to the fund account.
The redemption amount of the redemption application is equal to the sum of the transaction amount and interest, it being understood that a debit occurs between the user and the account issuer, the account issuer receives interest for this debit, the user then reimburses the debit by the redemption, and the generation information acquired by the credit is acquired by the user between the bill generation date and the clearing date.
The clearing of the bill is completed by initiating the redemption application. Therefore, the transfer behavior of the unbound accounts by using the second type of accounts is avoided, and the payment limit set by the second type of accounts is also avoided.
Referring to fig. 5, a flowchart of the payment method 204 based on class two accounts according to a fifth embodiment of the present invention is shown. In the fifth embodiment, steps S1, S2, and S3 of the payment method 204 based on the second type of account are the same as those in the third embodiment, and are not described herein again; the difference is that the bill comprises equal credit fund corresponding to the transaction amount; the step S4 specifically includes the following steps:
step S411, under a preset clearing condition, initiating a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption application is the share of the equal credit fund and the generation information thereof from the bill generation date to the clearing date;
wherein the balance is the dividend of the credit fund from the bill generation date to the clearing date.
Step S412, initiating a request by the fund management company to the account issuer to deliver the fund share transferred out of the transfer application or the redemption payment of the redemption application within the fund account to complete the clearing of the bill.
Specifically, the fund account initiates share transfer to the account issuer to the fund management company, and after the fund management company conducts transfer action, no fund transfer action occurs among the fund management company, the account issuer and the fund account. After the account issuer receives the fund share transferred by the fund management company based on the fund share transfer application, the account issuer may continue to hold the fund share or initiate redemption of the fund share.
The type two account-based payment method 204 differs from the type two account-based payment method 203 in that the fund account and the account issuer are calculated differently for the transaction amount, and in the type two account-based payment method 203, the bill between the fund account and the account issuer is calculated in units of money; in the type two account based payment method 204, the bill between the fund account and the account issuer is calculated in shares.
Referring to fig. 6, a flowchart of a method 205 for payment based on class two accounts according to a sixth embodiment of the present invention is shown. In the sixth embodiment, steps S411 and S412 of the payment method 205 based on the second type of account are the same as those in the fifth embodiment, and are not described again here; the difference is that the bill also includes interest; the step S4 further includes the steps of:
step S413, under the preset clearing condition, initiating a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption application is the equal amount of the credit fund corresponding to the interest;
step S414, initiating a request to the account issuer by the fund management company to deliver the fund share transferred out of the transfer application or the redemption payment of the redemption application within the fund account to complete the clearing of the bill.
Referring to fig. 7, a flowchart of the payment method 206 based on class two accounts according to a seventh embodiment of the present invention is shown. In this seventh embodiment, the steps S1, S2, S3 and S4 of the payment method 206 based on the second type account are the same as those in the first embodiment, and are not described again; the difference is that, before step S1, the method further includes:
step S5, acquiring a payment two-dimensional code, and analyzing according to the payment two-dimensional code to obtain transaction payment data;
and step S6, generating a transaction payment request based on the second type account according to the transaction payment data.
Two-dimensional code (QR) records data symbol information by black and white patterns distributed on a plane according to a certain rule by using a certain specific geometric pattern; in coding, the concept of "0" and "1" bit stream which forms the internal logic basis of computer is used, several geometric forms correspondent to binary system are used to represent literal numerical information, and can be automatically read by means of image input equipment or photoelectric scanning equipment so as to implement automatic information processing. The user can obtain the payment two-dimensional code through an image input device or a photoelectric scanning device, the payment two-dimensional code is arranged according to a certain rule by a geometric pattern to store the transaction payment data, and the payment two-dimensional code is analyzed through a device with a function of analyzing the two-dimensional code to obtain the transaction data.
Fig. 8 is a schematic block diagram of a mobile terminal according to an embodiment of the present invention. The present invention also provides a payment system 100, said payment system 100 comprising:
the second-class account payment response module 1 is used for responding to a transaction payment request based on a second-class account and acquiring account information of the second-class account;
the judging module 2 is used for judging whether the second type of account is bound with a fund account;
the payment module 3 is used for initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account when the second type of account is bound with a fund account, and generating a bill to the fund account;
and the clearing module 4 is used for clearing the bill in the fund account under the preset clearing condition.
In this embodiment, the function of financing and payment by the payment module 3 through the second-class account is not limited by the payment limit, and in combination with the payment method of the account issuer, the payment can be completed through the second-class account, and is not limited by the payment limit and whether the transaction account is a bound account. By the clearing module 4, the account issuer payment is made to top up the fund account.
Further, the judging module 2 is further configured to judge whether a credit granting agreement exists between the second type account and the account issuer when the second type account is bound with a fund account;
and the payment module 3 is further used for initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer of the second type of account according to a credit agreement when the second type of account and the account issuer have the credit agreement, and generating a bill to the fund account.
Further, the judging module 2 is further configured to judge whether the transaction amount is greater than the maximum credit line when a credit agreement exists between the second-class account and the account issuer, and judge whether the net value of the credit fund asset in the fund account is greater than the transaction amount when the transaction amount is less than or equal to the maximum credit line;
the payment module 3 is further used for when the credit fund equity is larger than or equal to the transaction amount, initiating a request for paying the corresponding transaction amount to the collection account corresponding to the transaction payment request to the account issuer according to the credit agreement, and generating a bill to the fund account, and when the credit fund equity is smaller than the transaction amount, the fund account initiates a subscription application of the credit fund of the preset type to a fund management company, initiating a request for paying the corresponding transaction amount to the collection account corresponding to the transaction payment request to an account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account, wherein the purchase amount of the application for subscription of the predetermined kind of credit fund is greater than or equal to the difference between the net asset value and the transaction amount.
Further, the clearing module 4 specifically includes:
an initiating application module 41, configured to initiate a redemption application to a fund management company corresponding to the credit fund in the fund account under the preset clearing condition, wherein a redemption amount of the redemption application is equal to the transaction amount or equal to a sum of the transaction amount and interest;
a completion clearing module 42, within the fund account, initiating by the fund management company a request to the account issuer to deliver redemption to complete the clearing of the bill.
Further, the application initiating module 41 is further configured to initiate a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account under a preset clearing condition, wherein the transfer share of the transfer application or the redemption application is the share of the equal amount of the credit fund and the growth thereof from the generation date to the clearing date of the bill;
the completion clearing module 42 is further operable to initiate a request by the fund management company to the account issuer to deliver the fund share transferred out of the transfer application or the redemption payment of the redemption application within the fund account to complete the clearing of the bill.
Further, the initiation application module 41 is further configured to initiate a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund under the preset clearing condition, wherein the transfer share of the transfer application or the redemption application is the equal amount of the credit fund corresponding to the interest;
within the fund account, the completion clearing module is further for initiating, by the fund management company, a request to the account issuer to deliver the fund share transferred out of the transfer application or the redemption payment of the redemption application to complete the clearing of the bill.
Further, the payment system 100 further includes:
the two-dimension code acquisition module 5 is used for acquiring the payment two-dimension code and analyzing the payment two-dimension code to obtain transaction payment data;
and the data generation module 6 generates a transaction payment request based on the second type of account according to the transaction payment data.
Fig. 9 is a schematic block diagram of a mobile terminal according to another embodiment of the present invention. The present invention further provides a payment system 101, where the payment system 101 includes a communication unit 10, a storage unit 20, a processing unit 30, and a computer program stored on the storage unit 20 and executable on the processing unit 30, and when the processing unit 30 executes the computer program, the steps of implementing the payment method based on the class ii account according to any of the foregoing embodiments specifically include:
step S1, responding to the transaction payment request based on the second type account, and acquiring account information of the second type account;
step S2, judging whether the second type of account is bound with a fund account;
step S3, when the second type account is bound with a fund account, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type account, and generating a bill to the fund account;
and step S4, clearing the bill in the fund account under the preset clearing condition.
In the technical scheme provided by the invention, the function of financing and payment by utilizing the second-class account is not limited by the payment limit, and the payment can be completed through the second-class account by combining the payment backing mode of an account issuer, and the limit of whether the payment limit and the transaction account are bound accounts is not limited.
Further, when a fund account is bound to the second type of account, the step of initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account and generating a bill to the fund account specifically includes:
step S31, when the second type account is bound with fund account, judging whether there is credit agreement between the second type account and the account issuer;
step S32, when a credit agreement exists between the second type account and the account issuer, a request for paying the corresponding transaction amount to the collection account corresponding to the transaction payment request is initiated to the account issuer of the second type account according to the credit agreement, and a bill is generated to the fund account.
Further, the credit agreement comprises a maximum credit line and a preset type of credit fund; when a credit agreement exists between the second type of account and the account issuer, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account, specifically comprising the following steps:
step S321, when a credit agreement exists between the second-class account and the account issuer, judging whether the transaction amount is larger than the maximum credit line;
step S322, when the transaction amount is less than or equal to the maximum credit line, judging whether the net value of the credit fund asset in the fund account is greater than the transaction amount;
step S323, when the credit fund net value is greater than or equal to the transaction amount, initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account;
step S324, when the credit fund net value is smaller than the transaction amount, the fund account initiates a subscription application of the credit fund of the preset type to a fund management company, initiates a request of paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account according to the credit agreement, and generates a bill to the fund account, wherein the purchase amount of the subscription application of the credit fund of the preset type is larger than or equal to the difference value between the net value of the asset and the transaction amount.
Further, the bill includes the transaction amount, or the sum of the transaction amount and interest; the step of clearing the bill by the fund account under the preset clearing condition specifically comprises:
step S401, under the preset clearing condition, initiating a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the redemption amount of the redemption application is equal to the transaction amount or the sum of the transaction amount and interest;
step S402, in the fund account, the fund management company initiates a request for delivering redeeming money to the account issuer, and the bill is cleared.
Further, the bill comprises an equal amount of credit fund corresponding to the transaction amount; the step of clearing the bill in the fund account under the preset clearing condition specifically comprises:
step S411, under a preset clearing condition, initiating a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption application is the share of the equal credit fund and the generation information thereof from the bill generation date to the clearing date;
step S412, initiating by the fund management company a request to the account issuer for redemption within the fund account to complete the clearing of the bill.
Further, the bill also includes interest; the step of clearing the bill in the fund account under the preset clearing condition further comprises:
step S413, under the preset clearing condition, initiating a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption application is the equal amount of the credit fund corresponding to the interest;
step S414, initiating a request for redemption of redemption payment to the account issuer by the fund management company within the fund account to complete the clearing of the bill.
Further, before the step of acquiring the account information of the second type of account in response to the transaction payment request based on the second type of account, the method further includes:
step S5, acquiring a payment two-dimensional code, and analyzing according to the payment two-dimensional code to obtain transaction payment data;
and step S6, generating a transaction payment request based on the second type account according to the transaction payment data.
The invention also provides a computer-readable storage medium having stored thereon a computer program which, when entered by a processing unit, implements the steps of a payment method based on class two accounts as described above.
In the description herein, references to the description of the term "one embodiment," "another embodiment," or "first through xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only an alternative implementation of the present invention, and not intended to limit the scope of the present invention, and all modifications and equivalents made by the content of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A payment method based on a second type account is characterized by comprising the following steps:
the method comprises the steps of responding to a transaction payment request based on a second type account, and obtaining account information of the second type account, wherein the function of financing and payment of the second type account is not limited by payment limit;
judging whether the second type of account is bound with a fund account or not;
when the second type of account is bound with a fund account, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account, and generating a bill to the fund account;
under the preset clearing condition, initiating a redemption application to a fund management company corresponding to the credit fund in the fund account;
initiating, within the fund account, a request to the account issuer by the fund management company to redeem the redemption payment to complete the clearing of the bill;
wherein the step of initiating by the fund management company a request to the account issuer to deliver redemption to complete the clearing of the bill comprises:
paying the redemption payment corresponding to the redemption application to the account issuer by the fund management company to enable the account issuer to complete the clearing of the bill with the redemption payment.
2. The method for payment based on a second type account as claimed in claim 1, wherein the step of initiating a request for paying a corresponding transaction amount to a payment account corresponding to the transaction payment request to an account issuer of the second type account and generating a bill to the fund account when a fund account is bound to the second type account specifically comprises:
when the second type of account is bound with a fund account, judging whether a credit authorization protocol exists between the second type of account and the account issuer;
and when a credit agreement exists between the second type of account and the account issuer, initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account.
3. The type two account based payment method of claim 2, wherein the credit agreement includes a maximum credit amount and a predetermined type of credit fund;
when a credit agreement exists between the second type of account and the account issuer, initiating a request for paying a corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer of the second type of account according to the credit agreement, and generating a bill to the fund account, specifically comprising the following steps:
when a credit agreement exists between the second type account and the account issuer, judging whether the transaction amount is larger than the maximum credit line;
when the transaction amount is less than or equal to the maximum credit line, judging whether the net value of the credit fund asset in the fund account is greater than the transaction amount;
when the credit fund equity net value is larger than or equal to the transaction amount, initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to the account issuer according to the credit agreement, and generating a bill to the fund account;
and when the equity of the credit fund is less than the transaction amount, the fund account initiates a subscription application of the credit fund of the preset type to a fund management company, initiates a request of paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account according to the credit agreement, and generates a bill to the fund account, wherein the purchase amount of the subscription application of the credit fund of the preset type is greater than or equal to the difference between the equity and the transaction amount.
4. The type two account based payment method of claim 3, wherein the bill comprises the transaction amount, or a sum of the transaction amount and interest; the redemption amount of the redemption application is equal to the transaction amount or to the sum of the transaction amount and interest.
5. The method for payment based on a second type of account as claimed in claim 3, wherein the bill comprises an equal amount of credit fund corresponding to the transaction amount;
the step of clearing the bill in the fund account under the preset clearing condition specifically comprises:
under preset clearing conditions, initiating fund share transfer application or redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption share of the redemption application is the share of the equal credit fund and the propagation information thereof from the generation date to the clearing date of the bill;
initiating, within the fund account, a request by the fund management company to the account issuer to deliver the fund share transferred out of the transfer application or the redemption of the redemption application to complete the clearing of the bill.
6. The type two account based payment method of claim 5, wherein the bill further comprises interest;
the step of clearing the bill in the fund account under the preset clearing condition further comprises:
under the preset clearing condition, initiating a fund share transfer application or a redemption application to a fund management company corresponding to the credit fund in the fund account, wherein the transfer share of the transfer application or the redemption application is the equal amount of the credit fund corresponding to the interest;
initiating, within the fund account, a request by the fund management company to the account issuer to deliver the fund share transferred out of the transfer application or the redemption of the redemption application to complete the clearing of the bill.
7. The type two account based payment method of claim 1, wherein the step of obtaining account information of the type two account in response to the transaction payment request based on the type two account is preceded by the step of:
acquiring a payment two-dimensional code, and analyzing according to the payment two-dimensional code to obtain transaction payment data;
and generating a transaction payment request based on the second type of account according to the transaction payment data.
8. A payment system, comprising:
the second-class account payment response module is used for responding to a transaction payment request based on a second-class account and acquiring account information of the second-class account, wherein the function of financing and payment of the second-class account is not limited by payment limit;
the judging module is used for judging whether the second type of account is bound with a fund account;
the payment module is used for initiating a request for paying the corresponding transaction amount to a collection account corresponding to the transaction payment request to an account issuer of the second type of account when the second type of account is bound with a fund account, and generating a bill to the fund account;
the clearing module comprises an initiated application module and a completed clearing module, and the initiated application module is used for initiating a redemption application to a fund management company corresponding to the credit fund in the fund account under a preset clearing condition; the completion clearing module for initiating, by the fund management company, a request to the account issuer for redemption within the fund account to complete the clearing of the bill;
wherein the step of initiating by the fund management company a request to the account issuer to deliver redemption to complete the clearing of the bill comprises:
paying the redemption payment corresponding to the redemption application to the account issuer by the fund management company to enable the account issuer to complete the clearing of the bill with the redemption payment.
9. A payment system comprising a communication unit, a storage unit, a processing unit and a computer program stored on the storage unit and executable on the processing unit, the processing unit when executing the computer program implementing the steps of the class ii account based payment method according to any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that a computer program is stored thereon, which computer program, when being executed by a processing unit, carries out the steps of the class ii account based payment method according to any one of claims 1 to 7.
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| 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 |
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| 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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| CN108038683B (en) * | 2017-12-08 | 2020-08-28 | 深圳壹账通智能科技有限公司 | Payment method, payment system and readable storage medium based on class II account |
| CN108805712B (en) | 2018-05-29 | 2021-03-23 | 创新先进技术有限公司 | Asset transfer rollback processing method and device and electronic equipment |
| CN108876606B (en) | 2018-05-29 | 2021-02-09 | 创新先进技术有限公司 | Asset transfer method and device and electronic equipment |
| CN109583853A (en) * | 2018-09-29 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Method of payment, device, electronic equipment and computer readable storage medium |
| 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 |
| CN111429125B (en) * | 2020-03-17 | 2024-04-19 | 京东科技控股股份有限公司 | 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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| CN106127373A (en) * | 2016-06-17 | 2016-11-16 | 邓强 | Polynary assets investment decision system based on capital investment value assessment and method |
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| US8751338B2 (en) * | 2009-10-05 | 2014-06-10 | Frank P. Dombroski | System and method of intra-cycle payment of accrued employee wages |
| CN102332139A (en) * | 2010-07-15 | 2012-01-25 | 金银岛(北京)网络科技股份有限公司 | Supply chain finance mode and operation method |
| CN102968715B (en) * | 2012-11-02 | 2017-06-13 | 汇付天下有限公司 | A kind of payment control method and system based on credit data |
| WO2015135121A1 (en) * | 2014-03-11 | 2015-09-17 | 深圳市银信网银科技有限公司 | Online payment system and method, and online payment server |
| US20150310402A1 (en) * | 2014-04-25 | 2015-10-29 | Ebay Inc. | Transaction conversion with payment card |
| US20160247229A1 (en) * | 2015-02-19 | 2016-08-25 | Bank Of America Corporation | System for assessing using funds from different accounts for retirement planning |
| CN106845992A (en) * | 2016-10-26 | 2017-06-13 | 武汉平行世界网络科技有限公司 | A kind of credit line management method suitable for internet business platform |
| CN106934609A (en) * | 2017-03-19 | 2017-07-07 | 龚敬 | A kind of method that network trading pays |
| CN108038683B (en) * | 2017-12-08 | 2020-08-28 | 深圳壹账通智能科技有限公司 | Payment method, payment system and readable storage medium based on class II account |
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