CN108038684A - A kind of method of payment, device, medium and electronic equipment - Google Patents

A kind of method of payment, device, medium and electronic equipment Download PDF

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Publication number
CN108038684A
CN108038684A CN201711465049.4A CN201711465049A CN108038684A CN 108038684 A CN108038684 A CN 108038684A CN 201711465049 A CN201711465049 A CN 201711465049A CN 108038684 A CN108038684 A CN 108038684A
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CN
China
Prior art keywords
account
payment
consumption
businessman
fund
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201711465049.4A
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Chinese (zh)
Inventor
徐广林
张轶
朱冰
杨光
杨雪松
祁佳
孟燃
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Taikang Asset Management Co Ltd
Taikang Insurance Group Co Ltd
Original Assignee
Taikang Asset Management Co Ltd
Taikang Insurance Group Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Taikang Asset Management Co Ltd, Taikang Insurance Group Co Ltd filed Critical Taikang Asset Management Co Ltd
Priority to CN201711465049.4A priority Critical patent/CN108038684A/en
Publication of CN108038684A publication Critical patent/CN108038684A/en
Pending legal-status Critical Current

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Abstract

The embodiment of the present invention provides a kind of method of payment, device, medium and electronic equipment.Method includes：Obtain the consumption and payment paid to businessman the request that client initiates；Ask, will transfer ownership in the fund account of client with the matched consumption share of spending amount into the fund account of businessman according to consumption and payment；When according to the pre-set capital settlement strategy of businessman, determine that businessman needs cash settled, and the pattern of cash settled transfers ownership transfer to the consumption share in the fund account of businessman to default account of providing loans when being real time settlement pattern again, and initiate the redemption application of consumption share；Using account of providing loans, spending amount is transferred to the bank account of businessman in time, and account of providing loans is transferred to by settlement fund is redeemed.The present invention greatly reduces the number that fund shifts between multiple accounts compared to existing scheme, reduces payment cost, fund in the way time, improves fund utilization rate, and meet the requirement of real-time that real-time consumption is directly settled accounts.

Description

A kind of method of payment, device, medium and electronic equipment
Technical field
The present invention relates to financing payment platform payment technology field, more particularly to a kind of method of payment, device, medium with And electronic equipment.
Background technology
With national economy fast development and development of Mobile Internet technology it is widely available, thrown online by internet Money financing, and the means of payment consumed based on Quick Response Code etc. become current development trend, and investor is resonable to fund Flexible configuration is carried out in terms of wealth and consumption and payment and the demand of convenient conversion is increasingly prominent.
At present, the treasury management services of client and consumption and payment service are two independent services, with reference to shown in Fig. 1, Ke Hu When buying finance product, the destiny account for the corresponding fund marketing organization of fund that fund deposit client is bought, Jin Erji Corresponding fund share is registered in the fund account of client by golden marketing organization.When client carries out consumption and payment, based on client Fund share in fund account, the redemption application that client initiates part or all of fund share to fund marketing organization (carry Now apply), the redemption application that fund marketing organization initiates according to client, will redeem settlement fund and is transferred in real time or on the setting date The bank account of client.Afterwards, fund of the client in based on bank account carries out consumption and payment, specifically, client to trade company Fund in bank account transfers the bank account to trade company by payment mechanisms such as banks from customer banking account.
During above-mentioned whole financing and consumption and payment, the cash flow of cash flow of managing money matters and consumption and payment has been Complete independent, this allows for client in consumption and payment, and at least there are following problem：
1st, fund shifts between multiple accounts causes payment cost (such as service charge) higher.Wherein, the fund deposit of client The destiny account of fund marketing organization needs payment cost, and the bank account that fund is withdrawn deposit to client is also required to payment cost, disappears The bank account that expense is transferred to trade company when paying from the bank account of client also needs to payment cost.
2nd, fund by different accounts be required for it is certain settle accounts evaluation time, cause fund to be grown in the way time, fund Utilization rate is not high.
3rd, the redemption of fund share is initiated to be transferred to customer banking account to corresponding fund from application is redeemed, it is always necessary to certain Time (as at least across a working day), this is determined by fund business characteristic, so as to can not meet that real-time consumption is directly tied The requirement of real-time of calculation.
The content of the invention
In view of this, the present invention provides a kind of method of payment, device, medium and electronic equipment, to solve existing financing With existing payment cost during consumption and payment is higher, fund is grown in the way time, fund utilization rate is not high and can not expire The problem of requirement of real-time that sufficient real-time consumption is directly settled accounts.Technical solution is as follows：
One side based on the embodiment of the present invention, the embodiment of the present invention provide a kind of method of payment, the method for payment bag Include：
The consumption and payment paid to businessman the request that client initiates is obtained, the consumption and payment request includes consumption gold Volume；
According to the consumption and payment ask, by the fund account of the client with the matched consumption part of the spending amount Volume transfers ownership into the fund account of the businessman；To transfer to the consumption share in fund account, the predeterminable three kinds of funds of businessman Clearing strategy：Hold share, real time settlement cash, non real-time cash settled；When according to the pre-set fund knot of the businessman Strategy is calculated, determines that the businessman needs cash settled, and when the pattern of cash settled be real time settlement pattern, will be transferred ownership to described Consumption share in the fund account of businessman is transferred ownership to default account of providing loans again, and initiates the redemption Shen of the consumption share Please；
Using the account of providing loans, by the bank's account consumed the corresponding spending amount of share and be transferred to the businessman in time Family, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, for repaying the account pad of providing loans The fund paid.
Alternatively, the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs cash settled, and settle accounts When the pattern of cash is non real-time settlement mode, the redemption application of the consumption share is initiated；
In response to it is described redeem application, in target date by it is described consumption share it is corresponding redeem settlement fund be transferred to institute State the bank account of businessman.
Alternatively, the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that share is held in businessman's selection, determine Transfer ownership in the fund account of the client with the matched consumption share of the spending amount to the fund account relaying of the businessman It is continuous to hold, so that the businessman persistently obtains the daily income of held consumption share, and support to initiate at any time afterwards non- The operation of real time settlement cash or real time settlement cash.
Alternatively, the account of providing loans includes cash and credit line class account, declaration form credit borrows class account, other support matter At least one of security class account；
When the account of providing loans includes cash and credit line class account, account of providing loans described in the utilization, by described in The bank account that the corresponding spending amount of consumption share is transferred to the businessman in time includes：
Judge whether the account balance of the cash and credit line class account is satisfied by disappearing described in payment with limit requirement Take the corresponding spending amount of share, if it is satisfied, the corresponding spending amount of the consumption share to be transferred to the bank of the businessman Account；
When the account of providing loans, which includes declaration form credit, borrows class account, account of providing loans described in the utilization, by the consumption The bank account that the corresponding spending amount of share is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the declaration form of the client is true；
If true, judge the declaration form can credit balance volume whether meet to pay the corresponding consumption gold of the consumption share Volume；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman；
When the account of providing loans includes other to category account is pledged, account of providing loans described in the utilization, disappears described The bank account that the corresponding spending amount of expense share is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the client's is true to collateral security；
If true, judge it is described to collateral security can credit balance volume whether meet to pay the corresponding consumption of the consumption share The amount of money；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman.
Alternatively, when the account of providing loans includes cash and credit line class account, declaration form credit borrows class account, other are supported Pledge any two kinds in category account and it is two or more when, the method for payment further includes：
The configuration information of every kind of account in account of providing loans according to described in, determines the minimum account of consumer cost as account of providing loans Family；
Wherein the configuration information of account include expense cost, whether have the expense of providing loans, expense of providing loans collecting mode, whether Repaid with the share income provided loans in the cycle at least one in expense of providing loans.
Alternatively, the method for payment further includes：
Obtain the bind request for opening payment mechanism that the client initiates；
To client's essential information of client input, and one kind of at least one payment mechanism of client selection Channel of disbursement is verified, and after being verified, a kind of of at least one payment mechanism that the client is chosen pays canal Bound with the client in road.
Alternatively, when the client is bundled with a kind of a variety of channel of disbursement of payment mechanism, or the client be bundled with it is more During a variety of channel of disbursement of kind payment mechanism, the method for payment further includes：
When getting the production payment request for the purchase finance product that the client initiates, the production payment request bag The product consumption amount of money of the finance product is included, according to the pre-set strategy for recommending optimal channel of disbursement, determines to be used for branch Pay at least one channel of disbursement of the product consumption amount of money.
Alternatively, when the channel of disbursement for being used to pay the product consumption amount of money determined includes multiple, the branch The method of paying further includes：
According to the product consumption amount of money, choose one or more channel of disbursement and complete jointly to the product consumption amount of money Payment so that the payment cost of the client is minimum.
Another aspect based on the embodiment of the present invention, the embodiment of the present invention provide a kind of payment mechanism, including：
Consumption and payment acquisition request unit, for obtaining the consumption and payment paid to businessman the request of client's initiation, The consumption and payment request includes spending amount；
Share transfer unit, for being asked according to the consumption and payment, will disappear in the fund account of the client with described The matched consumption share of the expense amount of money is transferred ownership into the fund account of the businessman；
Provide loans processing unit, for when according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs Want cash settled, and when the pattern of cash settled is real time settlement pattern, will transfer to disappearing in the fund account of the businessman Expense share is transferred ownership to default account of providing loans again, and initiates the redemption application of the consumption share；
Provide loans unit, for account of providing loans described in utilization, the corresponding spending amount of the consumption share is transferred to institute in time The bank account of businessman is stated, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, for repaying The fund that the account of providing loans is paid for first.
Another further aspect based on the embodiment of the present invention, the embodiment of the present invention provide a kind of storage medium, are stored thereon with journey Sequence, realizes previously described method of payment when described program is executed by processor.
Another further aspect based on the embodiment of the present invention, the embodiment of the present invention provide a kind of electronic equipment, including：Processor； And memory, for storing the executable instruction of the processor；Wherein, the processor is configured to via can described in execution Execute instruction performs previously described method of payment.
In method of payment provided in an embodiment of the present invention, device, medium and electronic equipment, when getting client's initiation After the consumption and payment request paid to businessman, be directly by the fund account of client with the matched consumption part of spending amount Volume transfers ownership into the fund account of businessman.If it is existing to indicate that businessman need not settle accounts in the pre-set capital settlement strategy of businessman Gold, then this time transaction completion terminates, and businessman holds share and obtains share income.And for needing cash settled, and require The businessman of real time settlement cash, the embodiment of the present invention, using account of providing loans, are in time corresponded to consumption share by the means provided loans Spending amount be transferred to the bank account of businessman.Method of payment provided in an embodiment of the present invention and device, compared to existing scheme The number that fund shifts between multiple accounts is greatly reduced, payment cost is reduced, reduces fund in the way time, improve Fund utilization rate, and meet the requirement of real-time that real-time consumption is directly settled accounts.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing There is attached drawing needed in technology description to be briefly described, it should be apparent that, drawings in the following description are only this The embodiment of invention, for those of ordinary skill in the art, without creative efforts, can also basis The attached drawing of offer obtains other attached drawings.
Fig. 1 is the fund flow diagram of financing and consumption and payment in the prior art；
Fig. 2 is the application framework schematic diagram of financing payment platform provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic diagram of method of payment provided in an embodiment of the present invention；
Fig. 4 is the fund flow diagram of the financing and consumption and payment in the embodiment of the present invention under real time settlement pattern；
Fig. 5 is the fund flow diagram of the financing and consumption and payment in the embodiment of the present invention under non real-time settlement mode；
Fig. 6 is the fund flow diagram of the financing and consumption and payment in the embodiment of the present invention under the non-cash settled of businessman；
Fig. 7 is a kind of structure diagram of payment mechanism provided in an embodiment 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 part of the embodiment of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work Embodiment, belongs to the scope of protection of the invention.
Applicant is it should be noted that the executive agent of the embodiment of the present invention is financing payment platform first.
Financing payment platform provided in an embodiment of the present invention is to provide to rely on monetary fund business for fund marketing organization Financing and the architectural schemes of consumption and payment integration convenience service, for providing one-touch financing and one-touch consumption branch for client Pay service.Financing payment platform provided in an embodiment of the present invention can include client service, service process platform, fund sale Train of mechanism (including fund manager's system, fund sell system directly to households or fund sells system or cooperative institution's system on a commission basis), pay machine Construction system etc..
Specifically with reference to shown in Fig. 2, it illustrates financing payment platform overall applicability frame provided in an embodiment of the present invention.Should Whole application framework includes the accessible client service of client, the service process platform that customer in response is asked, plays basic branch The fund marketing organization system and payment mechanism system of support effect.Various pieces pass through TCP/IP (transmission control protocols/internet association View) or HTTP (HyperText Transfer Protocol, hypertext transfer protocol) or HTTPS (Hypertext Transfer Protocol Secure, Hyper text transfer security protocol) or FTP (File Transfer Protocol, file Transport protocol) or SFTP (Secure File Transfer Protocol, secure file transportation protocol) etc. communicate, lead to Letter message can flexibly select as needed, can be JSON forms, XML format, fixed-length string form, with separators The key-value pair form that string format, symbol ＆ (or other separators) separate, and the form such as Stream streams.
Specifically, fund marketing organization system is that fund marketing organization is used to, to customer sales fund share, register client The system of the share rights and interests of purchase.Fund marketing organization system is provided at such as lower interface to financing payment platform：Client opens an account/ Enrollment interface, customer query interface, fund purchase interface, fund redeem interface, fund share and detailed query interface, 098 friendship Easy interface, fund information query interface, net fund value query interface, transaction reconciliation interface etc..
Payment mechanism system is that bank or Third-party payment mechanism are identified to the client identity that its trade company provides and transaction provides The system of golden settle accounts calculation service.The payment services product that every payment mechanism system provides is different, it is however generally that including quick branch Pay, Internetbank/gateway/webpage is paid, is withheld and is paid etc..Financing payment platform provided in an embodiment of the present invention is directed to payment mechanism system The interface of offer, which is customized, melts hair, and to access payment mechanism system, the client identity that realizing financing payment platform needs is known Not, pay to withhold and remit money with fund and the demands such as relevant inquiring, reconciliation, fund are checked and accepted.
As shown in figure 3, it illustrates a kind of flow chart of method of payment provided in an embodiment of the present invention, including：
Step 101, the consumption and payment paid to businessman the request that client initiates, the consumption and payment request bag are obtained Include spending amount.
Wherein, obtaining the implementation for the consumption and payment paid to businessman the request that client initiates can include：Visitor Family online shopping mall place an order purchase, the Quick Response Code of customer scans businessman, client input order number initiate pay, client utilize NFC (Near Field Communication, the short distance wireless communication technology) initiates payment etc..
Client in the embodiment of the present invention be completed in fund marketing organization registration user, in order to realize client with The payment transaction of share between businessman, businessman also must be the trade company for completing registration in fund marketing organization, i.e. client and business There is corresponding fund account in family in fund marketing organization.Wherein, fund account includes fund trading account and bank account. In the embodiment of the present invention, the transaction for the fund share being related to carries out between fund trading account, the payment of the fund being related to/transfer Carried out between bank account.
In actual application, in order to ensure the security and accuracy of the subsequently operation such as transfer consumption share, this hair Whether bright embodiment can first verify that businessman after the consumption and payment paid to businessman the request of client's initiation is got It is the trade company that registration has been completed in fund marketing organization, and the legitimacy of businessman.In verification businessman is fund marketing organization Completed the trade company of registration and it is legal when, then perform subsequent step.
If verification businessman of the embodiment of the present invention is not the trade company that registration has been completed in fund marketing organization, then is just needed Businessman is notified to open an account.Specifically, payment platform of managing money matters sends account opening request message and address informs that businessman needs to submit business Family essential information, such as name of firm, certificate information, receiving bank's account, and then the trade company's essential information submitted based on businessman Businessman is completed to open an account.
Alternatively, payment platform of managing money matters can upload businessman individual's essential information completion real name with further requirement businessman to be recognized Card, to ensure the security of additional funding circulation.In the embodiment of the present invention, before businessman completes real-name authentication, it will can settle accounts The temporary transient pending accounts of fund financing payment platform or fund marketing organization holding account in, businessman complete real-name authentication after, Again by the bank account of the allocation of the funds of the temporary transient pending accounts in holding account to businessman.
Step 102, ask, will be matched in the fund account of the client with the spending amount according to the consumption and payment Consumption share transfer ownership into the fund account of the businessman.
Specifically with reference to shown in Fig. 4-Fig. 6, the embodiment of the present invention is asked according to consumption and payment, directly by the fund account of client In with spending amount it is matched consumption share transfer ownership into the fund account of businessman, the fund in the prior art that avoids is withdrawn deposit to visitor The process of the bank account at family, reduces the payment cost that fund shifts between multiple accounts.
Step 103, when according to the pre-set capital settlement strategy of the businessman, determining that it is existing that the businessman needs to settle accounts Gold, the and when pattern of cash settled is real time settlement pattern, will transfer to the consumption share in the fund account of the businessman again Secondary transfer initiates the redemption application of the consumption share to default account of providing loans.
In the embodiment of the present invention, the pre-set capital settlement strategy of businessman can include holding share, and real time settlement is existing Golden and non real-time cash settled.Wherein hold share and show that share is held in businessman's selection, persistently obtained by holding share and held There is the daily income of consumption share.Real time settlement cash shows that businessman needs cash settled, and the pattern of cash settled is real-time Settlement mode, non real-time cash settled shows that businessman needs cash settled, and the pattern of cash settled is non real-time settlement mode.
Step 104, using the account of providing loans, the corresponding spending amount of the consumption share is transferred to the businessman in time Bank account, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, for repaying the pad The fund that money account is paid for first.
In the embodiment of the present invention, financing payment platform determines that businessman needs according to the pre-set capital settlement strategy of businessman When to want the pattern of cash settled and cash settled be real time settlement pattern, it may be determined that businessman is the business for needing real time settlement cash Family, at this time transfers ownership transfer to the consumption share in the fund account of businessman to default account of providing loans again, and initiates at the same time Consume the redemption application of share.
Financing payment platform responds the redemption application, using account of providing loans, will consume the corresponding spending amount of share and is transferred to The bank account of businessman.
In actual application, according to the different demands of different businessmans, the embodiment of the present invention provides not for businessman in advance With capital settlement strategy, businessman can flexibly be selected according to demands of individuals and the capital settlement strategy needed for setting oneself.Tool Body, the capital settlement strategy in the embodiment of the present invention generally comprises three kinds：(1) real time settlement cash：Businessman needs knot in real time Calculate cash；(2) non real-time cash settled：Businessman needs cash settled, but real time settlement cash is not required；(3) share is held：Business Cash settled is not required in family, and selection holds share and obtains share income.In the following, applicant will carry out respectively for these three situations It is described in detail.
Planted for (1), with reference to shown in Fig. 4, financing payment platform is according to the pre-set capital settlement strategy of businessman, really Determining businessman needs cash settled, and when the pattern of cash settled is real time settlement pattern, financing payment platform initiates instruction of providing loans, Fund marketing organization system transfers ownership transfer to the consumption share in the fund account of businessman to pre- according to the instruction of providing loans again If account of providing loans, and at the same time initiate consumption share redemption application.Suitable (such as the consumer cost of payment platform selection of managing money matters It is minimum) account of providing loans, using the account of providing loans of the selection, the corresponding spending amount of share will be consumed it is transferred to bank's account of businessman On family, and the corresponding settlement fund of redeeming of share will be consumed and be transferred to account of providing loans, the fund paid for first for repaying account of providing loans, from And complete the settlement process to disburse funds.
Wherein, on how selecting account of suitably providing loans in the application, and how using the selection account of providing loans, The implementation method corresponding spending amount of share will be consumed be transferred in the bank account of businessman, applicant are subject in detail below Description, details are not described herein.
In the embodiment of the present invention, account of providing loans completion is transferred to the bank account of businessman by the corresponding spending amount of share is consumed After upper, fund marketing organization system in the consumption share registered in account of providing loans to initiating to redeem application.In the setting date, generally The second day of the redemption application of share is consumed for the initiation, fund marketing organization system allocates pad from its fund sales account The fund that money account is paid for first, the fund that account of providing loans is paid for first are transferred to the spending amount in the bank account of businessman, are transferred to Provide loans account, so that the refund for account of completing to provide loans.So far, the whole consumption and payment process that client initiates terminates.
It should be noted that under real time settlement pattern, whether the mutual fund earnings in the cycle of providing loans provide loans expense for repayment With can be determined by the configuration strategy for account of providing loans.
Planted for (2), with reference to shown in Fig. 5, financing payment platform is according to the pre-set capital settlement strategy of businessman, really Determining businessman needs cash settled, and when the pattern of cash settled is non real-time settlement mode, and fund marketing organization system is to fund Custodian's system initiates the redemption application of consumption share.Fund manager's system is applied in response to described redeem, and completes consumption part After the redemption processing of volume, in the setting date, fund marketing organization system allocates and consumption share from its fund sales account Corresponding fund, is transferred to the bank account of businessman.So far, the whole consumption and payment process that client initiates terminates.
Planted for (3), with reference to shown in Fig. 6, when according to the pre-set capital settlement strategy of businessman, determining that businessman is not required to When wanting cash settled, fund marketing organization system directly by the fund account of client with spending amount it is matched consumption share mistake Family is continued to hold the consumption share into the fund account of businessman by businessman, lasting to obtain the daily of held consumption share Income, and support to initiate the operation of non real-time cash settled or real time settlement cash at any time afterwards.So far, what client initiated is whole A consumption and payment process terminates.
Situation is planted for (3), when when businessman needs to withdraw deposit, sends the redemption application of corresponding share, fund pin Train of mechanism is sold generally in second day just by the bank account of the corresponding allocation of the funds of corresponding share of transmission to businessman.So far, The process of withdrawing deposit that businessman initiates terminates.
Therefore, using method of payment provided in an embodiment of the present invention, when getting being paid to businessman for client's initiation Consumption and payment request after, be directly will in the fund account of client with spending amount it is matched consumption share transfer ownership to businessman's In fund account.If indicate that cash settled is not required in businessman in the pre-set capital settlement strategy of businessman, then this time hand over End is readily accomplished, share is held by businessman and obtains share income.And for needing cash settled, and require real time settlement cash Businessman, the embodiment of the present invention, using account of providing loans, will consume the corresponding spending amount of share and turned in time by the means provided loans Enter the bank account of businessman.Method of payment provided in an embodiment of the present invention greatly reduces fund multiple compared to existing scheme The number shifted between account, reduces payment cost, reduces fund in the way time, improve fund utilization rate, and meet The requirement of real-time that real-time consumption is directly settled accounts.
In the embodiment of the present invention, account of providing loans can include a variety of different types of accounts, such as cash and credit line Class account, declaration form credit borrow class account, other support and pledge category account etc..
For different types of account, the embodiment of the present invention will consume the corresponding spending amount of share using account of providing loans The implementation method for the bank account for being transferred to businessman in time is also different.Specifically,
When account of providing loans is cash and credit line class account, the embodiment of the present invention is firstly the need of judging cash and credit Whether the requirement of the account balance of amount class account and limit is satisfied by paying the corresponding spending amount of the consumption share, if full The corresponding spending amount of the consumption share, is transferred to the bank account of businessman by foot.
For example, it is assumed that the corresponding spending amount of consumption share is 1200 yuan, more than the account of cash and credit line class account Volume is 3000 yuan, and limit requires to be single transaction limit no more than 1500 yuan, more than the account of the cash and credit line class account Enough 1200 yuan of the payment consumption amount of money of 3000 yuan of volume, and 1200 yuan of spending amount meets that single transaction limit is not more than 1500 yuan, Thus fund marketing organization system is by 1200 yuan of bank accounts for being transferred to businessman in cash and credit line class account.
In general, cash and credit line class account are provided by fund marketing organization, funds source can be one's own reserves It can be the accrediting amount from bank and other financial mechanism application.The cost of fund is paid for first generally by fund part in the cycle of providing loans Volume income is repaid.
When account of providing loans borrows class account for declaration form credit, the embodiment of the present invention is first depending on the identity information of client, sentences Whether the declaration form of disconnected client is true.If true, be further continued for judging the declaration form can credit balance volume whether meet to pay described in disappear Take the corresponding spending amount of share.If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank of the businessman Account.
There is provided in general, declaration form credit borrows class account by insurance institution, be only applicable to the visitor of declaration form for holding the insurance institution Family.In the embodiment of the present invention, account of providing loans carries out when paying for first of fund, it is necessary first to carries out declaration form by the system of insurance institution It is true in declaration form with the verification of amount, and declaration form can credit balance full foot when paying the consumption corresponding spending amount of share, Class account is borrowed using declaration form credit by insurance institution's system and pay for first the granting of fund, and then payment platform of managing money matters is by safety The fund (pay for fund first and consume the corresponding spending amount of share) of paying for first of construction system granting is transferred to the bank account of businessman.
When account of providing loans is supported for other pledges category account, the embodiment of the present invention is first depending on the identity information of client, Judge whether client's is true to collateral security.If true, be further continued for judge to collateral security can credit balance volume whether meet to pay It is described to consume the corresponding spending amount of share.If it is satisfied, the corresponding spending amount of the consumption share is transferred to the silver of businessman Row account.
Other support pledge category account and declaration form credit borrow the fund that class account relates separately to pay for first and refund flow substantially It is identical, it only difference is that, other, which are supported, pledges the differential verification processing of difference progress that category account needs basis to support collateral security.
In the embodiment of the present invention, when account of providing loans includes cash and credit line class account, declaration form credit borrows class account, it He support pledge any two kinds in category account and it is two or more when, alternatively, the embodiment of the present invention can also include：According to institute The configuration information of every kind of account in account of providing loans is stated, determines the minimum account of consumer cost as account of providing loans；Wherein account Configuration information includes expense cost, whether has the expense of providing loans, the collecting mode for expense of providing loans, whether with the share provided loans in the cycle Income is repaid at least one in expense of providing loans.
Consumption and payment process is essentially described in present invention, below inventor continue to the embodiment of the present invention The financing process being related to is described.
In the embodiment of the present invention, client needs to be completed the payment process of finance product by means of payment mechanism, more specifically, Client needs to be completed the payment process of finance product by means of a kind of channel of disbursement in payment mechanism.
, it is necessary to which client first opens at least one branch for the client of finance product is completed by means of payment mechanism first A kind of channel of disbursement of mechanism is paid, the payment of finance product is then completed using the channel of disbursement in the payment mechanism opened Journey.And for having opened the client of payment mechanism, then it can select to open a kind of payment canal of a new payment mechanism again Road, the payment process of finance product is completed by the channel of disbursement of the new payment mechanism, some payment opened also may be selected Channel of disbursement in mechanism completes the payment process of finance product.
Wherein payment mechanism is, for example, the different bank finance mechanisms for having payment services ability, such as industrial and commercial bank, China Bank, Construction Bank, agricultural bank etc., and Unionpay pays, communications and liaison pay, pay to the inferior tripartite's payment mechanism in day；Pay canal Road is the means of payment under counterpart expenditure mechanism, for example quick payment, Internetbank/gateway/webpage are paid, collection is withheld.It is each A payment mechanism may comprise a variety of channel of disbursement.
It was found by the inventors of the present invention that the method for opening payment mechanism existing at present is the client based on client's input Essential information can only once open a kind of a kind of payment product of payment mechanism, less efficient.
The embodiment of the present invention proposes, after obtaining the bind request for opening payment mechanism that the client initiates, to the visitor Client's essential information of family input, and a kind of channel of disbursement of at least one payment mechanism of client selection are tested Card, and after being verified, a kind of channel of disbursement of at least one payment mechanism that the client is chosen and the client into Row binding.I.e. the embodiment of the present invention supports client to choose a variety of channel of disbursement of a variety of payment mechanisms at the same time, in the legal of client Property be verified and after a variety of channel of disbursement of various payment mechanisms are verified, a variety of payment mechanisms that client is chosen A variety of channel of disbursement are bound with client at the same time, and efficiency greatly improves.
In embodiments of the present invention, when client is bundled with a kind of a variety of channel of disbursement of payment mechanism, or it is bundled with a variety of During a variety of channel of disbursement of payment mechanism, the embodiment of the present invention can also include：
When getting the production payment request of purchase finance product of client's initiation, the production payment request includes institute The product consumption amount of money of finance product is stated, according to the pre-set strategy for recommending optimal channel of disbursement, determines to be used to pay institute State at least one channel of disbursement of the product consumption amount of money.
Wherein, the strategy of optimal channel of disbursement is recommended for example including recommending the minimum channel of disbursement of most current cost, recommending both Ensure that client trading application is completed and ensures channel of disbursement that payment efficiency maximizes, cost is minimum etc..
Further, when the channel of disbursement for being used to pay the product consumption amount of money determined includes multiple, this hair Bright embodiment further according to the product consumption amount of money, chooses one or more channel of disbursement and completes to disappear to the product jointly Take the payment of the amount of money, so that the real consumption of the client is minimum.
Specifically, the embodiment of the present invention is first according to the Transaction Information of client, the product consumption amount of money paid as needed for, really Surely it can be used for multiple channel of disbursement under multiple payment mechanisms for being paid.And then based on definite multiple channel of disbursement, According to the payment related information of each channel of disbursement, it is to utilize certain to calculate this product consumption amount of money using various dimensions paralleling tactic One channel of disbursement is completed to pay, or completes to pay jointly by multiple channel of disbursement.The payment phase of wherein each channel of disbursement Payment rate, preferential movable, each channel of disbursement of the payment of each channel of disbursement of each channel of disbursement can be included by closing information Payment limit, payment efficiency etc..
The embodiment of the present invention is realized each by the channel of disbursement for polymerizeing and reconstructing bank, Third-party payment mechanism provides The advantage and disadvantage complementation of kind channel of disbursement and redundant configuration.According to the available situation of each channel of disbursement, treatment effeciency, rate into This, the factor such as safety, with reference to the pre-set strategy for recommending optimal channel of disbursement, for financing payment platform provide efficiently, Reliably, the support of convenient, stable, low cost channel of disbursement, optimizes treasury management services' function of financing payment platform.
Based on a kind of method of payment provided in an embodiment of the present invention above, the embodiment of the present invention also provides a kind of pay and fills Put, as described in Figure 7, payment mechanism includes：
Consumption and payment acquisition request unit 100, the consumption and payment paid to businessman for obtaining client's initiation please Ask, the consumption and payment request includes spending amount；
Share transfer ownership unit 200, for according to the consumption and payment ask, by the fund account of the client with it is described The matched consumption share of spending amount is transferred ownership into the fund account of the businessman；
Provide loans processing unit 300, for when according to the pre-set capital settlement strategy of the businessman, determining the businessman Cash settled is needed, and when the pattern of cash settled is real time settlement pattern, will be transferred ownership into the fund account of the businessman Consumption share is transferred ownership to default account of providing loans again, and initiates the redemption application of the consumption share；
Provide loans unit 400, for account of providing loans described in utilization, the corresponding spending amount of the consumption share is transferred in time The bank account of the businessman, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, for repaying The fund that also described account of providing loans is paid for first.
The payment mechanism includes processor and memory, and above-mentioned consumption and payment acquisition request unit 100, share transfer are single Member 200, provide loans processing unit 300 and provide loans unit 400 etc. as program unit storage in memory, performed by processor Above procedure unit stored in memory realizes corresponding function.
Kernel is included in processor, is gone in memory to transfer corresponding program unit by kernel.Kernel can set one Or more, realize method of payment by adjusting kernel parameter.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/ Or the form such as Nonvolatile memory, such as read-only storage (ROM) or flash memory (flash RAM), memory includes at least one deposit Store up chip.
An embodiment of the present invention provides a kind of storage medium, program is stored thereon with, it is real when which is executed by processor The existing method of payment.
An embodiment of the present invention provides a kind of processor, the processor is used for operation program, wherein, described program operation Method of payment described in Shi Zhihang.
An embodiment of the present invention provides a kind of electronic equipment, equipment includes processor, memory and storage on a memory And the program that can be run on a processor, when processor executive program, realize following steps：
The consumption and payment paid to businessman the request that client initiates is obtained, the consumption and payment request includes consumption gold Volume；
According to the consumption and payment ask, by the fund account of the client with the matched consumption part of the spending amount Volume transfers ownership into the fund account of the businessman；To transfer to the consumption share in fund account, the predeterminable three kinds of funds of businessman Clearing strategy：Hold share, real time settlement cash, non real-time cash settled；When according to the pre-set fund knot of the businessman Strategy is calculated, determines that the businessman needs cash settled, and when the pattern of cash settled be real time settlement pattern, will be transferred ownership to described Consumption share in the fund account of businessman is transferred ownership to default account of providing loans again, and initiates the redemption Shen of the consumption share Please；
Using the account of providing loans, by the bank's account consumed the corresponding spending amount of share and be transferred to the businessman in time Family, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, for repaying the account pad of providing loans The fund paid.
Alternatively, the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs cash settled, and settle accounts When the pattern of cash is non real-time settlement mode, the redemption application of the consumption share is initiated；
In response to it is described redeem application, in target date by it is described consumption share it is corresponding redeem settlement fund be transferred to institute State the bank account of businessman.
Alternatively, the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that share is held in businessman's selection, determine Transfer ownership in the fund account of the client with the matched consumption share of the spending amount to the fund account relaying of the businessman It is continuous to hold, so that the businessman persistently obtains the daily income of held consumption share, and support to initiate at any time afterwards non- The operation of real time settlement cash or real time settlement cash.
Alternatively, the account of providing loans includes cash and credit line class account, declaration form credit borrows class account, other support matter At least one of security class account；
When the account of providing loans includes cash and credit line class account, account of providing loans described in the utilization, by described in The bank account that the corresponding spending amount of consumption share is transferred to the businessman in time includes：
Judge whether the account balance of the cash and credit line class account is satisfied by disappearing described in payment with limit requirement Take the corresponding spending amount of share, if it is satisfied, the corresponding spending amount of the consumption share to be transferred to the bank of the businessman Account；
When the account of providing loans, which includes declaration form credit, borrows class account, account of providing loans described in the utilization, by the consumption The bank account that the corresponding spending amount of share is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the declaration form of the client is true；
If true, judge the declaration form can credit balance volume whether meet to pay the corresponding consumption gold of the consumption share Volume；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman；
When the account of providing loans includes other to category account is pledged, account of providing loans described in the utilization, disappears described The bank account that the corresponding spending amount of expense share is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the client's is true to collateral security；
If true, judge it is described to collateral security can credit balance volume whether meet to pay the corresponding consumption of the consumption share The amount of money；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman.
Alternatively, when the account of providing loans includes cash and credit line class account, declaration form credit borrows class account, other are supported Pledge any two kinds in category account and it is two or more when, the method for payment further includes：
The configuration information of every kind of account in account of providing loans according to described in, determines the minimum account of consumer cost as account of providing loans Family；
Wherein the configuration information of account include expense cost, whether have the expense of providing loans, expense of providing loans collecting mode, whether Repaid with the share income provided loans in the cycle at least one in expense of providing loans.
Alternatively, the method for payment further includes：
Obtain the bind request for opening payment mechanism that the client initiates；
To client's essential information of client input, and one kind of at least one payment mechanism of client selection Channel of disbursement is verified, and after being verified, a kind of of at least one payment mechanism that the client is chosen pays canal Bound with the client in road.
Alternatively, when the client is bundled with a kind of a variety of channel of disbursement of payment mechanism, or the client be bundled with it is more During a variety of channel of disbursement of kind payment mechanism, the method for payment further includes：
When getting the production payment request for the purchase finance product that the client initiates, the production payment request bag The product consumption amount of money of the finance product is included, according to the pre-set strategy for recommending optimal channel of disbursement, determines to be used for branch Pay at least one channel of disbursement of the product consumption amount of money.
Alternatively, when the channel of disbursement for being used to pay the product consumption amount of money determined includes multiple, the branch The method of paying further includes：
According to the product consumption amount of money, choose one or more channel of disbursement and complete jointly to the product consumption amount of money Payment so that the payment cost of the client is minimum.
Equipment herein can be server, PC, PAD, mobile phone etc..
The embodiment of the present invention additionally provides a kind of computer program product, when being performed on data processing equipment, is suitable for Perform the program of initialization there are as below methods step：
The consumption and payment paid to businessman the request that client initiates is obtained, the consumption and payment request includes consumption gold Volume；
According to the consumption and payment ask, by the fund account of the client with the matched consumption part of the spending amount Volume transfers ownership into the fund account of the businessman；To transfer to the consumption share in fund account, the predeterminable three kinds of funds of businessman Clearing strategy：Hold share, real time settlement cash, non real-time cash settled；When according to the pre-set fund knot of the businessman Strategy is calculated, determines that the businessman needs cash settled, and when the pattern of cash settled be real time settlement pattern, will be transferred ownership to described Consumption share in the fund account of businessman is transferred ownership to default account of providing loans again, and initiates the redemption Shen of the consumption share Please；
Using the account of providing loans, by the bank's account consumed the corresponding spending amount of share and be transferred to the businessman in time Family, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, for repaying the account pad of providing loans The fund paid.
Alternatively, the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs cash settled, and settle accounts When the pattern of cash is non real-time settlement mode, the redemption application of the consumption share is initiated；
In response to it is described redeem application, in target date by it is described consumption share it is corresponding redeem settlement fund be transferred to institute State the bank account of businessman.
Alternatively, the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that share is held in businessman's selection, determine Transfer ownership in the fund account of the client with the matched consumption share of the spending amount to the fund account relaying of the businessman It is continuous to hold, so that the businessman persistently obtains the daily income of held consumption share, and support to initiate at any time afterwards non- The operation of real time settlement cash or real time settlement cash.
Alternatively, the account of providing loans includes cash and credit line class account, declaration form credit borrows class account, other support matter At least one of security class account；
When the account of providing loans includes cash and credit line class account, account of providing loans described in the utilization, by described in The bank account that the corresponding spending amount of consumption share is transferred to the businessman in time includes：
Judge whether the account balance of the cash and credit line class account is satisfied by disappearing described in payment with limit requirement Take the corresponding spending amount of share, if it is satisfied, the corresponding spending amount of the consumption share to be transferred to the bank of the businessman Account；
When the account of providing loans, which includes declaration form credit, borrows class account, account of providing loans described in the utilization, by the consumption The bank account that the corresponding spending amount of share is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the declaration form of the client is true；
If true, judge the declaration form can credit balance volume whether meet to pay the corresponding consumption gold of the consumption share Volume；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman；
When the account of providing loans includes other to category account is pledged, account of providing loans described in the utilization, disappears described The bank account that the corresponding spending amount of expense share is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the client's is true to collateral security；
If true, judge it is described to collateral security can credit balance volume whether meet to pay the corresponding consumption of the consumption share The amount of money；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman.
Alternatively, when the account of providing loans includes cash and credit line class account, declaration form credit borrows class account, other are supported Pledge any two kinds in category account and it is two or more when, the method for payment further includes：
The configuration information of every kind of account in account of providing loans according to described in, determines the minimum account of consumer cost as account of providing loans Family；
Wherein the configuration information of account include expense cost, whether have the expense of providing loans, expense of providing loans collecting mode, whether Repaid with the share income provided loans in the cycle at least one in expense of providing loans.
Alternatively, the method for payment further includes：
Obtain the bind request for opening payment mechanism that the client initiates；
To client's essential information of client input, and one kind of at least one payment mechanism of client selection Channel of disbursement is verified, and after being verified, a kind of of at least one payment mechanism that the client is chosen pays canal Bound with the client in road.
Alternatively, when the client is bundled with a kind of a variety of channel of disbursement of payment mechanism, or the client be bundled with it is more During a variety of channel of disbursement of kind payment mechanism, the method for payment further includes：
When getting the production payment request for the purchase finance product that the client initiates, the production payment request bag The product consumption amount of money of the finance product is included, according to the pre-set strategy for recommending optimal channel of disbursement, determines to be used for branch Pay at least one channel of disbursement of the product consumption amount of money.
Alternatively, when the channel of disbursement for being used to pay the product consumption amount of money determined includes multiple, the branch The method of paying further includes：
According to the product consumption amount of money, choose one or more channel of disbursement and complete jointly to the product consumption amount of money Payment so that the payment cost of the client is minimum.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more The computer program production that usable storage medium is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram The combination of flow and/or square frame in journey and/or square frame and flowchart and/or the block diagram.These computer programs can be provided The processors of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices, which produces, to be used in fact The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or The instruction performed on other programmable devices is provided and is used for realization in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in a square frame or multiple square frames.
In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/ Or the form such as Nonvolatile memory, such as read-only storage (ROM) or flash memory (flash RAM).Memory is computer-readable Jie The example of matter.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer-readable instruction, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only storage (ROM), electric erasable Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read-only storage (CD-ROM), Digital versatile disc (DVD) or other optical storages, magnetic cassette tape, the storage of tape magnetic rigid disk or other magnetic storage apparatus Or any other non-transmission medium, the information that can be accessed by a computing device available for storage.Define, calculate according to herein Machine computer-readable recording medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, term " comprising ", "comprising" or its any other variant are intended to nonexcludability Comprising so that process, method, commodity or equipment including a series of elements not only include those key elements, but also wrapping Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment it is intrinsic will Element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including key element Also there are other identical element in process, method, commodity or equipment.
It will be understood by those skilled in the art that the embodiment of the present invention can be provided as method, system or computer program product. Therefore, the present invention can be using the embodiment in terms of complete hardware embodiment, complete software embodiment or combination software and hardware Form.Deposited moreover, the present invention can use to can use in one or more computers for wherein including computer usable program code The shape for the computer program product that storage media is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.
It these are only the embodiment of the present invention, be not intended to limit the invention.To those skilled in the art, The invention may be variously modified and varied.All any modifications made within spirit and principles of the present invention, equivalent substitution, Improve etc., it should be included within scope of the presently claimed invention.

Claims (11)

1. a kind of method of payment, it is characterised in that the method for payment includes：
The consumption and payment paid to businessman the request that client initiates is obtained, the consumption and payment request includes spending amount；
According to the consumption and payment ask, by the fund account of the client with the spending amount it is matched consumption share mistake Family is into the fund account of the businessman；
When according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs cash settled, and cash settled Pattern when being real time settlement pattern, transfer to the consumption share in the fund account of the businessman is transferred ownership to default again Provide loans account, and initiate the redemption application of the consumption share；
Using the account of providing loans, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman in time, And the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, described provide loans what account was paid for first for repaying Fund.
2. method of payment according to claim 1, it is characterised in that the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs cash settled, and cash settled Pattern when being non real-time settlement mode, initiate the redemption application of the consumption share；
In response to it is described redeem application, in target date by it is described consumption share it is corresponding redeem settlement fund be transferred to the business The bank account of family.
3. method of payment according to claim 1, it is characterised in that the method for payment further includes：
When according to the pre-set capital settlement strategy of the businessman, determining that share is held in businessman's selection, determine described Transfer ownership in the fund account of client with the matched consumption share of the spending amount into the fund account of the businessman and continue to hold Have, so that the businessman persistently obtains the daily income of held consumption share, and support to initiate at any time afterwards non real-time The operation of cash settled or real time settlement cash.
4. method of payment according to claim 1, it is characterised in that the account of providing loans includes cash and credit line class Account, declaration form credit borrow class account, other support and pledge at least one of category account；
When the account of providing loans includes cash and credit line class account, account of providing loans described in the utilization, by the consumption The bank account that the corresponding spending amount of share is transferred to the businessman in time includes：
Judge whether the account balance of the cash and credit line class account is satisfied by paying described consumption part with limit requirement The corresponding spending amount of volume, if it is satisfied, the corresponding spending amount of the consumption share to be transferred to the bank account of the businessman；
When the account of providing loans, which includes declaration form credit, borrows class account, account of providing loans described in the utilization, by the consumption share The bank account that corresponding spending amount is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the declaration form of the client is true；
If true, judge the declaration form can credit balance volume whether meet to pay the corresponding spending amount of the consumption share；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman；
When the account of providing loans includes other to category account is pledged, account of providing loans described in the utilization, by described consumption part The bank account that the corresponding spending amount of volume is transferred to the businessman in time includes：
According to the identity information of the client, judge whether the client's is true to collateral security；
If true, judge it is described to collateral security can credit balance volume whether meet to pay the corresponding consumption gold of the consumption share Volume；
If it is satisfied, the corresponding spending amount of the consumption share is transferred to the bank account of the businessman.
5. method of payment according to claim 4, it is characterised in that when the account of providing loans includes cash and credit line Class account, declaration form credit borrow class account, other support pledge any two kinds in category account and it is two or more when, the payer Method further includes：
The configuration information of every kind of account in account of providing loans according to described in, determines the minimum account of consumer cost as account of providing loans；
Wherein the configuration information of account include expense cost, whether have the expense of providing loans, expense of providing loans collecting mode, whether with pad Share income in the money cycle is repaid at least one in expense of providing loans.
6. according to claim 1-5 any one of them methods of payment, it is characterised in that the method for payment further includes：
Obtain the bind request for opening payment mechanism that the client initiates；
Client's essential information of client input, and a kind of of at least one payment mechanism that the client chooses are paid Channel verified, and after being verified, a kind of channel of disbursement at least one payment mechanism that the client is chosen with The client is bound.
7. method of payment according to claim 6, it is characterised in that when the client is bundled with a kind of the more of payment mechanism Kind of channel of disbursement, or when the client is bundled with a variety of channel of disbursement of a variety of payment mechanisms, the method for payment further includes：
When getting the production payment request for the purchase finance product that the client initiates, the production payment request includes institute The product consumption amount of money of finance product is stated, according to the pre-set strategy for recommending optimal channel of disbursement, determines to be used to pay institute State at least one channel of disbursement of the product consumption amount of money.
8. method of payment according to claim 7, it is characterised in that when that determines is used to pay the product consumption gold When the channel of disbursement of volume includes multiple, the method for payment further includes：
According to the product consumption amount of money, one or more channel of disbursement branch of the completion to the product consumption amount of money jointly is chosen Pay, so that the payment cost of the client is minimum.
A kind of 9. payment mechanism, it is characterised in that including：
Consumption and payment acquisition request unit, it is described for obtaining the consumption and payment paid to businessman the request of client's initiation Consumption and payment request includes spending amount；
Share transfer unit, will be golden with the consumption in the fund account of the client for being asked according to the consumption and payment The matched consumption share of volume is transferred ownership into the fund account of the businessman；
Provide loans processing unit, for when according to the pre-set capital settlement strategy of the businessman, determining that the businessman needs to tie Cash is calculated, and when the pattern of cash settled be real time settlement pattern, will be transferred ownership to consumption part in the fund account of the businessman Volume transfers ownership to default account of providing loans again, and initiates the redemption application of the consumption share；
Provide loans unit, for account of providing loans described in utilization, the corresponding spending amount of the consumption share is transferred to the business in time The bank account of family, and the corresponding settlement fund of redeeming of the consumption share is transferred to the account of providing loans, it is described for repaying The fund that account of providing loans is paid for first.
10. a kind of storage medium, it is characterised in that be stored thereon with program, right is realized when described program is executed by processor It is required that method of payment any one of 1 to 8.
11. a kind of electronic equipment, it is characterised in that including：
Processor；And
Memory, for storing the executable instruction of the processor；
Wherein, the processor is configured to come any one of perform claim requirement 1 to 8 via the execution executable instruction Method of payment.
CN201711465049.4A 2017-12-28 2017-12-28 A kind of method of payment, device, medium and electronic equipment Pending CN108038684A (en)

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CN109670965A (en) * 2018-11-14 2019-04-23 平安科技（深圳）有限公司 Processing method and processing device, storage medium, the computer equipment of funds data
CN109727016A (en) * 2018-12-17 2019-05-07 泰康保险集团股份有限公司 Credit payment processing method, device, medium and electronic equipment
CN110458537A (en) * 2019-07-01 2019-11-15 网联清算有限公司 Golden transaction processing method and device out
CN110533543A (en) * 2019-08-29 2019-12-03 上海艾融软件股份有限公司 Terminate resource value-added product, the value-added method and device of monetary fund
CN110874800A (en) * 2019-11-08 2020-03-10 腾讯科技（深圳）有限公司 Data transfer method and device, electronic equipment and computer readable storage medium
CN111222872A (en) * 2020-01-08 2020-06-02 口碑(上海)信息技术有限公司 User piece-entering method, device and system based on payment channel
CN111640006A (en) * 2020-05-29 2020-09-08 深圳壹账通智能科技有限公司 Bank payment and receipt method, device, terminal and storage medium
CN111784323A (en) * 2020-06-29 2020-10-16 杭州雄伟科技开发股份有限公司 A noninductive payment system for intelligent dining room
CN112132688A (en) * 2019-06-25 2020-12-25 财付通支付科技有限公司 Capital processing method, device and equipment
CN112613869A (en) * 2020-12-02 2021-04-06 广东通莞科技股份有限公司 Merchant commission fee sharing method, device, system and storage medium
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
CN114971879A (en) * 2022-06-17 2022-08-30 北京极致车网科技有限公司 Information processing system and information processing method
CN110033361B (en) * 2019-03-26 2023-08-08 创新先进技术有限公司 Method and device for transferring out resources based on virtual account cover
CN117151702A (en) * 2023-11-01 2023-12-01 上海大智慧财汇数据科技有限公司 Cross-system payment method and system based on money-based fund real-time transfer
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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
CN109670965A (en) * 2018-11-14 2019-04-23 平安科技（深圳）有限公司 Processing method and processing device, storage medium, the computer equipment of funds data
CN109727016A (en) * 2018-12-17 2019-05-07 泰康保险集团股份有限公司 Credit payment processing method, device, medium and electronic equipment
CN110033361B (en) * 2019-03-26 2023-08-08 创新先进技术有限公司 Method and device for transferring out resources based on virtual account cover
CN112132688A (en) * 2019-06-25 2020-12-25 财付通支付科技有限公司 Capital processing method, device and equipment
CN110458537A (en) * 2019-07-01 2019-11-15 网联清算有限公司 Golden transaction processing method and device out
CN110533543A (en) * 2019-08-29 2019-12-03 上海艾融软件股份有限公司 Terminate resource value-added product, the value-added method and device of monetary fund
CN110533543B (en) * 2019-08-29 2022-04-05 上海艾融软件股份有限公司 Method and device for terminating value-added products and currency fund
CN110874800A (en) * 2019-11-08 2020-03-10 腾讯科技（深圳）有限公司 Data transfer method and device, electronic equipment and computer readable storage medium
CN110874800B (en) * 2019-11-08 2023-10-20 腾讯科技（深圳）有限公司 Data transfer method, device, electronic equipment and computer readable storage medium
CN111222872A (en) * 2020-01-08 2020-06-02 口碑(上海)信息技术有限公司 User piece-entering method, device and system based on payment channel
CN111640006A (en) * 2020-05-29 2020-09-08 深圳壹账通智能科技有限公司 Bank payment and receipt method, device, terminal and storage medium
CN111640006B (en) * 2020-05-29 2023-05-02 深圳壹账通智能科技有限公司 Bank payment method and device, terminal and storage medium
CN111784323A (en) * 2020-06-29 2020-10-16 杭州雄伟科技开发股份有限公司 A noninductive payment system for intelligent dining room
CN112613869A (en) * 2020-12-02 2021-04-06 广东通莞科技股份有限公司 Merchant commission fee sharing method, device, system and storage medium
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
CN114971879A (en) * 2022-06-17 2022-08-30 北京极致车网科技有限公司 Information processing system and information processing method
WO2024040819A1 (en) * 2022-08-26 2024-02-29 深圳市富途网络科技有限公司 Blockchain-based payment control method and apparatus, and device and medium
CN117151702A (en) * 2023-11-01 2023-12-01 上海大智慧财汇数据科技有限公司 Cross-system payment method and system based on money-based fund real-time transfer
CN117151702B (en) * 2023-11-01 2024-02-13 上海大智慧财汇数据科技有限公司 Cross-system payment method and system based on money-based fund real-time transfer

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Application publication date: 20180515