CN108520408A - A kind of redeemed based on fund share is turned to pay the automatic of daily payment and withholds method and system - Google Patents
A kind of redeemed based on fund share is turned to pay the automatic of daily payment and withholds method and system Download PDFInfo
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- CN108520408A CN108520408A CN201810319792.7A CN201810319792A CN108520408A CN 108520408 A CN108520408 A CN 108520408A CN 201810319792 A CN201810319792 A CN 201810319792A CN 108520408 A CN108520408 A CN 108520408A
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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
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
- G06Q20/145—Payments according to the detected use or quantity
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
Abstract
The present invention relates to a kind of redeemed based on fund share of computer networking technology service field to turn to pay the automatic of daily payment and withhold method, technical problem to be solved by the present invention lies in, the technical issues of solving not paying daily service for life payment in market using fund, main technical schemes of the present invention are characterized by:After user receives to withhold agreement automatically, the method mainly includes the following steps:System is completed by product component and judges whether the fund share of user pays daily life service bill enough;If being enough to pay, system is completed to turn pair automatic withholding for the daily payment of operation completion using redeeming for fund share by order component;If being not enough to pay, then the task of the next user of processing.The beneficial effects of the present invention are facilitating user to pay daily life service fee, user experience is improved, bank transaction pressure is reduced.
Description
Technical field
The present invention relates to Internet service technical fields more particularly to a kind of redeemed based on fund share to turn to pay daily payment
Automatically method and system are withheld.
Background technology
With the development of society and being constantly progressive for science and technology, people's consumption and the means of payment are more and more.In current electricity
In the case that the service functions such as sub- commercial affairs, mobile payment are grown rapidly, the payment of various aspects is carried out by internet have been become
It is very universal, on the one hand, user pays the product bought by the bank card of all kinds of software bindings;On the other hand,
Platform software can also provide some class bank accounts " wallet " and carry out the few volume cash of user user's storage.
Herein wherein, by mobile phone carry out product purchase it is customary, user even can by software platform,
It pays the fees for required service (such as water, electricity, coal gas) in daily life in internet.
Although in these years, many payment softwares be proposed by bind service that the modes such as debit card are daily life into
Row payment still for those by by itself extra deposit, is applied in capital investment, financing, to collect certain income
People for, it is often less convenient.For being applied to scattered funds for the people of the projects such as fund, financing investment, such as
Sorry, your ticket has not enough value for fruit its debit card, is just unable to complete successfully daily payment.When Sorry, your ticket has not enough value in user's debit card, certain customers
It can select to redeem fund, daily payment is used for convert into money.
And in the case, user often now needs to carry out the operations such as fund redemption in advance, waits for that bank transaction center will be redeemed
The amount of money returned is beaten to user in the bank card bought bound in fund, and user is again by transferring accounts the amount of money to soft with daily payment
In the debit card of part binding, then pay the fees.This series of operation is excessively cumbersome and complicated so that substantially reduces user's body
It tests, to also bring pressure to bank transaction.
Invention content
User experience is greatly improved in order to facilitate user based on this, reduces bank transaction pressure.It is above-mentioned it is necessary to be directed to
Technical problem is provided a kind of redeemed based on fund share and turns to pay the automatic of daily payment and withhold method and system, this method and system
It carries out redeeming the operation for turning payment by the fund to user, so that user is directly operated on software, you can to reach utilization
Fund carries out the operation of daily payment, greatly improves user experience.
According to an embodiment of the invention, the present invention provides a kind of automatic generations redeemed based on fund share and turn to pay daily payment
Button method, wherein system refers to running the main execution system of this method, including product component and order component, the production
Product component is the component for executing of that month plan target table, carrying out the inquiry of fund share and remaining sum comparison, and the order component is
It executes fund share and redeems and turn to pay the component that daily payment is withheld automatically, trade company refers to and system and each third party Fund Company pair
The software platform connect, service provider refer to the software platform for managing the daily payment of user, and operator refers to providing daily life to the user
The company of service living,
After user receives to withhold agreement automatically, described method includes following steps:
Step 1, product component poll this month plan target table, and the first plan target in the plan target table is made
For current planning task;The plan target table is withheld signing table and automatically generated by same day product component according to automatic;
Step 2, product component execute the current planning task, call service provider's bill query interface, and send out bill
Inquiry request;
Step 3, service provider receive the bill inquiry request, call Operator interface to inquire bill, and bill is inquired
As a result it is sent to system as the first query result;
Step 4 judges whether first query result is empty, if so, thening follow the steps 14;Otherwise, by product component
Third party Fund Company fund share query interface is called by trade company, is performed simultaneously step 5;
Step 5, third party Fund Company inquire user's available fund share, and user's available fund share is converted
For ransom money volume and system can be sent to as the second query result;
First query result is compared with second query result for step 6, product component, if described second
Query result is less than first query result, then the current planning task status is revised as " Sorry, your ticket has not enough value ", and execute
Step 14;Otherwise, product component calls order component, while product component executes step 14, and order component executes step 7;
Step 7, order component establishment withhold order automatically, and call service provider's order creation interface, generate order creation
Request, is sent to service provider;Wherein, automatic withhold in order includes order status;
Step 8, service provider receive order creation request, create order, and generate order creation as a result, being sent to order group
Part;Meanwhile Operator interface is called, lock the subscriber's account;
Step 9, order component receive the order creation as a result, judging whether the order creation result is success, if
It is then to update the order status for " order creation success ", and execute step 10;Otherwise, by the plan target state with
And the order status is revised as "abnormal", and warning message is sent to system, execute step 14;
Step 10, order component call third party Fund Company payment interface by trade company, are sent out to third party Fund Company
Disbursement from fund is sent to ask;Include the fund to be paid in the disbursement from fund request;
After step 11, third party Fund Company receive the disbursement from fund request, specify fund that can use share etc. user
The share for being worth the payment in disbursement from fund request is withheld, and payment result is returned to trade company;Trade company receives
After the payment result, system is notified;
Step 12, order component update the order status, and notify order payment result to service provider;
Step 13, service provider carry out the processing that writes off to operator, and update order status and synchronize the system of being sent to;
Whether there is next plan target in step 14, the detection plan target table, if so, then by next meter
The task of drawing returns to step 2 as current planning task;Otherwise, terminate this method.
According to an embodiment of the invention, the step 3 specifically comprises the following steps:
Step 301:After service provider receives the bill inquiry request, operator's bill query interface is called, inquires user
Bill;
Step 302:Bill query result is sent to service provider by operator;
Step 303:Service provider receives first query result, and is sent to system.
According to an embodiment of the invention, wherein the step 10 specifically comprises the following steps:
Step 1001:Order component calls trade company to exempt from close payment interface, and generates trade company's payment request;
Step 1002:After trade company receives trade company's payment request, third party Fund Company payment interface is called, it is raw simultaneously
It is sent to third party Fund Company at disbursement from fund request.
According to an embodiment of the invention, wherein, the step 13 specifically comprises the following steps:
Step 1301:Service provider sends bill to operator and writes off request, " is write off into receiving that operator sends
After work(" information, order status is updated, and order status information is synchronized into the system of being sent to;
Step 1302:System receives the order status information, and change order status is " paying successfully ".
According to an embodiment of the invention, wherein the step 4 specifically comprises the following steps:
Step 401 judges whether first query result is empty, if so, thening follow the steps 14;Otherwise, step is executed
402;
Step 402 calls trade company's fund share query interface by product component, and generates fund inquiry request, and trade company connects
After receiving the fund share inquiry request, third party Fund Company fund share query interface is called, step 5 is performed simultaneously.
According to an embodiment of the invention, wherein further include following steps after the step 12:
Judge whether the order result is success, if so, it is " paying successfully " to update the plan target state, adjusts
Notification interface is paid with service provider, sends " paying successfully " information, and execute step 13;Otherwise, by the plan target state
It is revised as " payment failure ", while recording failure cause, sends warning message, and execute step 14.
According to an embodiment of the invention, wherein after user receives to withhold agreement automatically, before the method executes, also wrap
Include following steps:
Step 000, user contract, the data such as user information are added to by trade company to be worked as according to agreement is withheld automatically with trade company
Monthly plan task list.
According to an embodiment of the invention, wherein the step 000 specifically comprises the following steps:
A, it after system receives user's subscription request, inquires of that month plan target table and user contracts and records;
B, the information contracted according to user in record and of that month plan target table, judge user whether carried out signing with
And payment, if user had contracted, show user information, end step 000;If user carried out payment in trade company,
But do not contract, then it shows " whether open-minded " information to user, executes c;If user had not both paid the fees also unsigned, i is executed;
C, reception user opens withholds plan calls automatically, calls the payment cipher typing page, executes d;
D, user's payment cipher typing is received, and carries out cryptographic check, if Password Input is correct, executes e;Otherwise, it returns
It returns and re-executes d;
E, identifying code is sent to user, and receives the identifying code of user's typing;If identifying code typing is correct, f is executed;It is no
It then returns and re-executes e;
F, generate as a result, and adjust back system results notification interface, judge whether the result succeeds, if success, execute
g;Otherwise, it returns and executes c;
G, user information is added into of that month plan target table, while shows the letter of " plan of withholding is contracted successfully " to client
Breath executes h;
H, page jump is to withholding plan signing interface, while withholding plan signing state, and end step described in updating
000;
I, display needs the service paid the fees, and is selected by users, and executes j;
J, after the payment request for receiving user's selection, service provider's payment interface is called, is paid the fees, and execute b.
According to an embodiment of the invention, a kind of redeem based on fund share is provided to turn to pay automatic withhold of daily payment and be
The step of system, the system is used to execute any one the method in the application, the system include product component, order group
Part and system general purpose module,
The product component is the component for executing of that month plan target table, carrying out the inquiry of fund share and remaining sum comparison,
Including data extraction module, data processing module and general module;
The order component is to execute fund share and redeem to turn to pay the component that daily payment is withheld automatically, including data extract mould
Block, data processing module and general module;
The system general purpose module is the most basic component that system is used to execute the application, including is used for storage system execution
The database of all data of this method, information and file;
Wherein,
The data extraction module, for extracting and/or obtaining the data in file and request, and according to being extracted
Data are inquired in alternative document, and extract corresponding information;
The data extraction module includes:
Enquiry module for inquiring data in file and information;And
Extraction module for data and information to be extracted and/or obtained in file and request;
The data processing module, the data for being extracted according to data extraction module, carry out data screening with
And data transformation operations are carried out, request and message notifying are generated, and for carrying out analysis judgment to corresponding data;
The data processing module includes:
For generating each request, message notifying and carrying out the newer processing module of state;And
Analysis judgment module for carrying out data parsing and judgement operation and for carrying out data screening operation;
The general module calls third party software interface and the page, transmission output is simultaneously for being timed Clocked operation
Receive data, request and each message notifying;
The general module includes:
Timer module for carrying out all timings, Clocked operation;And
Calling module for calling third party software interface and the page;And
For exporting, the output module of conveyer system data, request and message notifying;And
For receiving data, message notifying, the input module respectively asked.
According to an embodiment of the invention, a kind of computer readable storage medium is provided, wherein described computer-readable to deposit
It is stored on storage media and redeems the automatic program for withholding method for turning pair daily payment, described program based on fund share for executing
When being executed by processor, execute the above method in one described in method the step of.
Beneficial effects of the present invention essentially consist in:For different payment platforms, Fund Company, fund management platform on the market
And daily service paying platform, the company etc. that daily life service is provided, customer relationship is established by user and fund platform,
Allow user directly to utilize related software, according to agreement is withheld, is engaged in paying the fees using fund share pay day informal dress, meanwhile,
User experience is greatly improved, the simplicity of daily payment is improved.Meanwhile integration daily life service payment and fund are redeemed and turn to pay
Two big functions are easy to background maintenance, reduce bank transaction pressure.
Description of the drawings
Fig. 1 is to turn to pay the automatic of daily payment according to a kind of redeemed based on fund share of the embodiment of the present invention and withhold method
Basic procedure schematic diagram;
Fig. 2 is to turn to pay the automatic of daily payment according to a kind of redeemed based on fund share of the embodiment of the present invention and withhold method
Step S1700 idiographic flow schematic diagram (S1701-S1703);
Fig. 3 is to turn to pay the automatic of daily payment according to a kind of redeemed based on fund share of the embodiment of the present invention and withhold method
The idiographic flow schematic diagram of middle step S000;
Fig. 4 is to turn to pay the automatic of daily payment according to a kind of redeemed based on fund share of the embodiment of the present invention and withhold system
Configuration diagram;
Fig. 5 is to turn to pay the automatic of daily payment according to a kind of redeemed based on fund share of the embodiment of the present invention and withhold system
Specific data extraction module, data processing module and general module configuration diagram;
Fig. 6 is the schematic diagram according to the running environment of the system for being mounted with application program of the embodiment of the present invention.
Specific implementation mode
In the following, being described in further detail to the implementation of technical solution in conjunction with attached drawing.
It will be appreciated by those of skill in the art that although the following description is related to many of embodiment for the present invention
Technical detail, but be only for not meaning that any restrictions for illustrating the example of the principle of the present invention.The present invention can be applicable in
In different from the occasion except technical detail exemplified below, without departing from the principle and spirit of the invention.
It, may pair can be in description in the present specification in addition, tedious in order to avoid making the description of this specification be limited to
The portion of techniques details obtained in prior art data has carried out the processing such as omission, simplification, accommodation, this technology for this field
It will be understood by for personnel, and this does not interfere with the open adequacy of this specification.
Hereinafter, it will describe for carrying out the embodiment of the present invention.Note that by description is provided with following order:1, it sends out
The summary of bright design;2, a kind of redeemed based on fund share is turned to pay the automatic of daily payment and withholds method (Fig. 1 to Fig. 3);3, a kind of
The automatic of turn pair daily payment, which is redeemed, based on fund share withholds system (Fig. 4-Fig. 5);6, installation according to an embodiment of the invention
The system of application program and the computer-readable medium (Fig. 6) of the storage application program.
1, the summary of inventive concept
The invention reside in since user can not directly pass through fund when carrying out daily life service payment on software platform
Operation is paid the fees so that if " wallet " that is provided in user's debit card or software, when Sorry, your ticket has not enough value, user wants to utilize
Fund this series of operation that pay the fees is excessively cumbersome and complicated, user experience is substantially reduced, to also give bank transaction band
Carry out pressure, if payment operation can not be finished on schedule, can also influence the daily life of user.To solve aforementioned technical problem, this hair
Bright fund redeems turn daily payment paid and withholds method automatically, integrates fund, daily life service is paid the fees and it is big to withhold three automatically
Function, user need to only agree to withhold agreement automatically, and system can directly help user after generating service for life expense bill, profit
It is withheld automatically with fund share and pays daily service for life bill, to facilitate user, greatly improved user experience, reduce silver
Row transaction pressure.
2, a kind of redeemed based on fund share is turned to pay the automatic of daily payment and withholds method (Fig. 1 to Fig. 3)
In view of in the prior art, cannot daily life service payment operation directly be carried out using fund share, it is of the invention
Embodiment proposes and can effectively help and improve the daily payment of user experience and withhold method automatically.
In embodiment, as shown in Figure 1, a kind of above-mentioned redeemed based on fund share is turned to pay the automatic of daily payment and withhold method
It mainly includes the following steps that:
Wherein, system refers to running the main execution system of this method, including product component and order component, the production
Product component is the component for executing of that month plan target table, carrying out the inquiry of fund share and remaining sum comparison, and the order component is
It executes fund share and redeems and turn to pay the component that daily payment is withheld automatically, trade company refers to and system and each third party Fund Company pair
The software platform connect, service provider refer to the software platform for managing the daily payment of user, and operator refers to providing daily life to the user
The company of service living,
Trade company is really the cell phone software app for docking different third party Fund Companies, mainly provides the phase of fund to the user
Close service, such as introduction, purchase, recommendation, the management of fund product.Service provider refers to existing integration management user in the market
The software platform of daily life payment;And operator refers to the specific operator for providing the services such as water, electricity, coal gas, it is such as each
National grid, the tap water group on ground etc..System in the application generally refers to the main execution system of operation this method,
For providing daily payment interface for trade company.
It should be noted that the method and flow described herein withheld automatically, is the single clothes for multiple users
Flow is withheld automatically in business, such as the water rate of multiple users is paid.
After user receives to withhold agreement automatically, described method includes following steps:
S100, product component poll this month plan target table, and the first plan target in the plan target table is made
For current planning task;The plan target table is withheld signing table and automatically generated by same day product component according to automatic;
Wherein, of that month plan target table is that basis withholds signing planning chart automatically, automatically generates, monthly plan target table
In plan target be divided into daily execution task and fixed dates task two types;It is automatic withhold signing planning chart be by
User contracts with system, and user agrees to that system is that it withholds daily payment automatically, and the user of all signings will be put into certainly
It is dynamic to withhold in signing planning chart.System needs daily morning poll this month plan target table, because of the execution task of each user
Date is different, executes the meeting that the same day withhold plan in of that month plan target table of the task.
That is further include following steps after this step S100:
S100 ', judge whether current planning task should execute this day, if so, executing S200;Otherwise, by the meter
The next task of current planning task in task list is drawn as current planning task, executes S100 '.
Wherein, include plan target execution date in of that month plan target table, execute the data such as type, user information ginseng
Number, system is by judging the execution type of task, to judge that the user has the user of fixed execution date or needs daily
The user of execution, for there is the user of fixed execution date, system is by by current system date and plan target execution date
It is compared, judges whether the plan target currently extracted should execute;For needing the user executed daily, system judgement
It should execute this day, and execute S200.
S200, product component execute the current planning task, call service provider's bill query interface, and send out bill and look into
Ask request;
Wherein, the step be inquire the user in the daily payment project that service provider is supported whether payment on behalf in need
Bill, the days such as water, electricity, phone, network broadband, coal gas that daily payment is paid required for referring to during people usually live are normally opened
Branch expense;Include the data such as user information in current planning task, while product component executes the current task, extraction
User information (including user name, user's Real Name etc.) in current planning task and payment project information, are sending out account
While single inquiry request, user information and payment project information are sent to service provider, i.e., in the described bill inquiry request
Including the user information and payment project information.
S300, service provider receive the bill inquiry request, call Operator interface to inquire bill, and bill is inquired and is tied
Fruit is sent to system as the first query result;
Wherein, a kind of above-mentioned step S300 described in method that withholds automatically for turning to pay daily payment of being redeemed based on fund share is had
Body includes the following steps:
After S301, service provider receive the bill inquiry request, operator's bill query interface is called, inquires user's account
It is single;
Bill query result is sent to service provider by S302, operator;
S303, service provider receive first query result, and are sent to system.
It should be noted that service provider after receiving the bill inquiry request, extract the user information in the request with
And payment project information, corresponding financial terms purpose Operator interface is called, sends bill inquiry request, and receive operator and sent out
The bill query result come.After service provider receives the bill query result that operator sends, the system of being sent to can be synchronized, by being
System carries out analysis judgment to the bill result.
S400, judge whether first query result is empty, if so, executing S1900;Otherwise, S500 is executed;
Wherein, system judges first query result, if the query result is sky, represents the user and exists
Temporarily woth no need to the bill paid the fees, then system needs to go to next plan target, that is, executes S1900 within this day;Otherwise, explanation
The query result is not sky, and user bill in need paid the fees on this then continues subsequent step, executes step
S500。
S500, third party Fund Company fund share query interface is called by trade company by product component, be performed simultaneously
S600;
S600, third party Fund Company inquire user's available fund share, and user's available fund share is converted
For ransom money volume and system can be sent to as the second query result;
Wherein, system calls the fund share query interface of third party Fund Company by trade company, sends fund share and looks into
Request (comprising data such as user informations in the request) is ask, i.e., system calls trade company's fund share query interface, and sends base
Golden share inquiry request, trade company call the fund share of third party Fund Company to inquire after receiving the fund share inquiry request
Interface, and fund share inquiry request is sent, the fund share under the user name is inquired, third party Fund Company is in inquiry user
After available fund share, it is sent to trade company, while system is sent to by trade company's resynchronisation.
First query result is compared with second query result for S700, product component, if described second
Query result is less than first query result, then executes S800;Otherwise, S900 is executed;
Wherein, system to the amount of money paid the fees needed for user and fund can ransom money volume be compared, if under user name
Fund can ransom money volume be more than user needed for pay the fees the amount of money, then can carry out subsequent step;Otherwise, the fund of user can ransom money
Volume is not enough to pay user's life payment bill, then after showing " Sorry, your ticket has not enough value ", executes next plan target, that is, execute
S1900。
S800, the current planning task status is revised as " Sorry, your ticket has not enough value ", and executes S1900;
S900, product component call order component, while product component executes S1900, and order component executes S1000;
Wherein, in this step, product component has completed the flow of this plan target, and product component needs, which are gone to, to be held
The next plan target of row, that is, execute S1900.Meanwhile follow-up process is concurrently executed by the order component of system, i.e. product component
After calling order component, S1900 is executed, and order component starts to execute S1000.
S1000, order component establishment withhold order automatically, and call service provider's order creation interface, generate order creation
Request, is sent to service provider;Wherein, automatic withhold in order includes order status;
Wherein, in this step, order component receives the calling of product component, starts to execute the follow-up process withheld automatically,
It creates and withholds order automatically, wherein described withhold in order automatically includes that user information, subscriber payment project, user pay
Take the necessary datas such as the amount of money.Order component calls service provider's order creation interface after generation withholds order automatically, generates order
Request to create is simultaneously sent to service provider.Wherein, in the order creation request include described automatic necessity withheld in order
Data, such as user information, subscriber payment project and the subscriber payment amount of money.
S1100, service provider receive order creation request, create order, and generate order creation as a result, being sent to order group
Part;Meanwhile Operator interface is called, lock the subscriber's account;
Wherein, the data during service provider asks according to order creation create corresponding order, and generate order creation result
It is sent to order component, meanwhile, carrier-lock subscriber's account calls in service provider, is used for continuation payment subscriber's account.
S1200, order component receive the order creation as a result, judging whether the order creation result is success, if
It is then to execute S1300;Otherwise, S1400 is executed;
S1300, update order status are " order creation success ", and execute S1500;
S1400, the plan target state and order status are revised as to "abnormal", and warning letter is sent to system
Breath executes S1900;
Wherein, in step S1400, if service provider's order creation failure, system are needed current plan target
State and it is automatic withhold order status and be revised as exception, and notify system background, handled by backstage manager, together
When, order component flow ends here, next plan target being continued by the product component of system.
S1500, order component call third party Fund Company payment interface by trade company, are sent to third party Fund Company
Disbursement from fund is asked;Include the fund to be paid in the disbursement from fund request;
Wherein, in step S1500, order component calls the payment interface of third party Fund Company by trade company, concurrently
Disbursement from fund is sent to ask, wherein to include user information, user's fund to be paid (i.e. gold in the disbursement from fund request
Volume) etc. information.
After S1600, third party Fund Company receive the disbursement from fund request, specify fund that share can be used equivalent user
The share of payment is withheld in disbursement from fund request, and payment result is returned to trade company;Trade company receives institute
After stating payment result, system is notified;
Wherein, third party Fund Company extracts user information therein and needs after receiving the disbursement from fund request
Wanted payment is converted to fund share by the fund to be paid, and carries out withholding behaviour in the available fund share of the user
Make, no matter this withholds whether result succeeds, and payment result will be returned to trade company by third party Fund Company, and be led to again by trade company
Know system.
S1700, order component update the order status, and notify order payment result to service provider;
Wherein, order component updates order status, and notify the order payment result to service provider according to payment result.
It should be noted that if the payment result received by order component is to pay successfully, order component is more
It after new order state is pays successfully, and is notified to service provider, can also carry out the processing that writes off.If received by order component
Payment result is that payment fails, and order component notifies, service provider can be to after update order status is payment failure to service provider
Operator carries out subscriber's account and unlocks processing, and is intended to task status and is revised as payment failure, while recording unsuccessfully original
Cause sends warning message to system background, abnormal cause is searched by backstage manager.Simultaneity factor order component flow is complete
At system product component starts next plan target.
Further, system can be set as only being notified to service provider when paying successfully, if payment failure,
Plan target state in system update plan target table is " payment failure ", without notifying service provider, by system recording exceptional,
Recording exceptional reason simultaneously notifies backstage manager.
S1800, service provider carry out the processing that writes off to operator, and update order status and synchronize the system of being sent to;
Whether there is next plan target in S1900, the detection plan target table, if so, then executing S2000;Otherwise,
Terminate this method.
S2000, using next plan target as current planning task, return and execute S200.
Wherein, step S1900 is completed by system product component, system order component prepare start execute S1900 when,
It can stop executing, and calling system product component, S1900 is executed by system product component.
According to an embodiment of the invention, a kind of above-mentioned redeemed based on fund share turns to pay withholding in method automatically for daily payment
The step S1500 specifically comprises the following steps:
S1501:Order component calls trade company to exempt from close payment interface, and generates trade company's payment request;
Wherein, system is signed to have in advance with trade company exempts from close payment arrangement so that same in systems to withhold agreement automatically
User, what system can call trade company exempts from close payment interface, to directly invoke the payment interface of third party Fund Company.Wherein,
Include the letters such as user information, user's fund to be paid (i.e. the amount of money), user's fund information in trade company's payment request
Breath.
S1502:After trade company receives trade company's payment request, third party Fund Company payment interface is called, is generated simultaneously
Disbursement from fund request is sent to third party Fund Company.
Wherein, trade company extracts the user information in the request, user to be paid after receiving trade company's payment request
Fund and the data such as user's fund information, generate disbursement from fund request, call third party Fund Company payment interface, concurrently
The disbursement from fund is sent to ask.
According to an embodiment of the invention, the S1800 specifically comprises the following steps:
S1801:Service provider sends bill to operator and writes off request, believes in " write off success " for receiving operator's transmission
After breath, order status is updated, and order status information is synchronized into the system of being sent to;
S1802:System receives the order status information, and change order status is " paying successfully ".
Wherein, it should be noted that if the payment result received by order component is to pay successfully, order component
It is notified after update order status is to pay successfully, and to service provider, can also carry out the processing that writes off.If order component is received
The payment result arrived is that payment fails, and order component notifies, service provider after update order status is payment failure to service provider
Can unlock processing to operator's progress subscriber's account, and be intended to task status and be revised as payment failure, while record mistake
Reason is lost, warning message is sent to system background, abnormal cause is searched by backstage manager.Simultaneity factor order component flow
It completes, system product component starts next plan target.
In embodiment, the step S400 specifically comprises the following steps:
S401, judge whether first query result is empty, if so, executing S1900;Otherwise, S402 is executed;
S402, trade company's fund share query interface is called by product component, and generates fund inquiry request, trade company receives institute
After stating fund share inquiry request, third party Fund Company fund share query interface is called, S600 is performed simultaneously.
In embodiment, as shown in Fig. 2, a kind of above-mentioned redeemed based on fund share is turned to pay the automatic of daily payment and withhold method
Described in after S1700, further include following steps:
S1701, judge whether the order result is success, if so, executing S1702;Otherwise, S1703 is executed;
S1702, the update plan target state are " paying successfully ", call service provider to pay notification interface, send " branch
Pay successfully " information, and execute S1800;
S1703, by the plan target status modifier it is " payment fail ", while records failure cause, sends warning letter
Breath, and execute S1900.
In embodiment, a kind of above-mentioned redeemed based on fund share turns to pay withholding in method when user connects automatically for daily payment
Further include following steps before the method (S100-S2000) executes after withholding agreement automatically:
S000, user contract, the data such as user information are added to of that month meter by trade company according to agreement is withheld automatically with trade company
Draw task list.
In embodiment, as shown in figure 3, a kind of above-mentioned redeemed based on fund share is turned to pay the automatic of daily payment and withhold method
Described in S000 specifically comprise the following steps:
A, it after system receives user's subscription request, inquires of that month plan target table and user contracts and records;
Wherein, step a user starts after being clicked in withholding sign-up page automatically and agreeing to withhold signing agreement automatically
It executes.
B, the information contracted according to user in record and of that month plan target table, judge user whether carried out signing with
And payment, if user had contracted, execute b1;If user carried out payment in trade company, but did not contract, then execute
b2;If user had not both paid the fees also unsigned, i is executed;
Wherein, only after user and system are contracted, system could execute follow-up S100-S2000, so step b be for
Whether detection user has been carried out signing.
B1, display user information, terminate S000;
Wherein, it if signing has been carried out in user, only needs to show its user information and signing to user herein
The necessary informations such as information, and complete cost flow S000, no longer need to contract.
Further, it in the user's details page contracted, can show option of terminating an agreement, terminate an agreement if user clicks
It withholds, then prompts user's " your determination to terminate an agreement automatic fee plan ", confirm if user clicks, system jumps to lazyboot
Plan the page, and updates signing state;If user clicks no, weigh into returning to user's details page.
B2, " whether open-minded " information is shown to user, execute c;
C, reception user opens withholds plan calls automatically, calls the payment cipher typing page, executes d;
Wherein, once user clicks and confirms and open information, can automatically generate open it is automatic withhold plan calls, system receives
Opening for user withholds plan calls automatically, starts to open and withholds plan automatically.Wherein, automatic withhold in plan calls is wrapped
Contain basic user information, such as the name of user, User ID, user contact details (mailbox, phone number).
D, user's payment cipher typing is received, and carries out cryptographic check, if Password Input is correct, executes e;Otherwise, it returns
It returns and re-executes d;
Wherein, system first carries out user's payment cipher verification, if Password Input is correct, can continue rear afterflow
Otherwise journey needs user to re-enter password.
Preferably, in system include counter, if the number of user's payment cipher reaches certain number, no longer return
Receipt row d, but system shows " the multiple input error of password " information to user, and return and withhold plan sign-up page automatically.
Further, for system before having adjusted the payment cipher typing page, the behavior that can contract to this user carries out air control
Verification, the air control verification can be the verification strategies of any type air control in the prior art, and details are not described herein.When air control verifies
After success, system tune plays the payment cipher typing page, starts follow-up process;If air control verification is unsuccessful, system is directly adjusted back
Whether result notice interface is succeeded by system come the result that judges to contract.
E, identifying code is sent to user, and receives the identifying code of user's typing, execute e1;
Wherein, identifying code is sent herein, can be sent from system to user by way of mail, be can also be system
Sent by the form of short message, it should be noted that the address of identifying code transmitted by system, be according in user basic information,
The mailbox or phone number inserted before user.Preferably, sending identifying code herein can also be selected by users, and be
The email address and phone number that system is filled in when can show user's registration to user, user can be to note before Selection utilization
The aforementioned contact method that volume is filled in sends identifying code, can also be sent by rewriting email address or phone number
Identifying code.Wherein, if user needs to rewrite email address or phone number, system needs to carry out security verification.
E1, judging identifying code, whether typing is correct, if so, executing f;Otherwise it returns and re-executes e;
Wherein, if identifying code input by user is correct, system can continue follow-up process, if that is filled in tests
Code mistake is demonstrate,proved, system needs, which return to, executes e, retransmits identifying code.
Preferably, in system include counter, if repeatedly to fill in identifying code incorrect by user, reach certain number,
It does not return again to then and executes e, but system shows " the multiple input error of identifying code " information to user, and return and withhold plan automatically
Sign-up page.
F, it generates as a result, and adjusting back system results notification interface, execution f1;
F1, judge whether the result succeeds, if success, executes g;Otherwise, it returns and executes c;
It should be noted that by verification, system may be successfully generated signing as a result, may also be due to that can not pass through air control
Verification, to show failure of contracting in the signing result of generation, or because abnormal lead to failure of contracting.At this time, it may be necessary to system
To contracting, generated result judges, if contracted successfully, executes g, and otherwise, signing failure returns to automatic generation
Button plan sign-up page.
G, user information is added into of that month plan target table, while shows the letter of " plan of withholding is contracted successfully " to client
Breath executes h;
H, page jump is to withholding plan signing interface, while withholding plan signing state described in updating, and terminates S000;
I, display needs the service paid the fees, and is selected by users, and executes j;
J, after the payment request for receiving user's selection, service provider's payment interface is called, is paid the fees, and execute b.
Wherein, the user of daily payment function was not also used for not contracting, it is desirable to provide using this system
It is automatic withhold function, need first to pay the fees, can be carried out after payment open-minded.After if user has selected payment project, it is
After system calls service provider's payment interface to carry out payment flow, pay the fees but unsigned state at this point, user is in, to execute b.
3, a kind of redeemed based on fund share turned to pay the automatic of daily payment and withhold system (Fig. 4-Fig. 5)
It is according to an embodiment of the invention, a kind of to redeem the automatic generation for turning to pay daily payment based on fund share referring to figs. 1 to 3
Button system is used for the step of executing any one the method in the application, as shown in figure 4, the system includes product component
100, order component 200 and system general purpose module 300,
The product component 100 is the group for executing of that month plan target table, carrying out the inquiry of fund share and remaining sum comparison
Part, including data extraction module 1000, data processing module 2000 and general module 3000;
The order component 200 is to execute fund share and redeem to turn to pay the component that daily payment is withheld automatically, including data carry
Modulus block 1000, data processing module 2000 and general module 3000;
The system general purpose module 300 is the most basic component that system is used to execute the application, including is used for storage system
Execute the database 4000 of all data of this method, information and file;
Wherein, as shown in figure 5,
The data extraction module 1000, for extracting and/or obtaining the data in file and request, and according to being carried
The data taken, are inquired in alternative document, and extract corresponding information;
The data extraction module 1000 includes:
Enquiry module 1001 for inquiring data in file and information;And
Extraction module 1002 for data and information to be extracted and/or obtained in file and request;
The data processing module 2000, the data for being extracted according to data extraction module carry out data sieve
Choosing and progress data transformation operations generate request and message notifying, and for carrying out analysis judgment to corresponding data;
The data processing module 2000 includes:
For generating each request, message notifying and carrying out the newer processing module of state 2001;And
Analysis judgment module 2002 for carrying out data parsing and judgement operation and for carrying out data screening operation;
The general module 3000 calls third party software interface and the page, transmission defeated for being timed Clocked operation
Go out and receive data, request and each message notifying;
The general module 3000 includes:
Timer module 3001 for carrying out all timings, Clocked operation;And
Calling module 3002 for calling third party software interface and the page;And
For exporting, the output module 3003 of conveyer system data, request and message notifying;And
For receiving data, message notifying, the input module 3004 respectively asked.
In addition, different embodiments of the invention by software module or can also be stored in one or more computer-readable
The mode of computer-readable instruction on medium is realized, wherein the computer-readable instruction is when by processor or equipment group
When part executes, different embodiment of the present invention is executed.Similarly, software module, computer-readable medium and Hardware Subdivision
The arbitrary combination of part is all expected from the present invention.The software module can be stored in any type of computer-readable storage
On medium, such as RAM, EPROM, EEPROM, flash memory, register, hard disk, CD-ROM, DVD etc..
4, the system (Fig. 6) according to an embodiment of the invention for being mounted with application program
With reference to Fig. 6, it illustrates the running environment of the system according to the ... of the embodiment of the present invention for being mounted with application program.
In the present embodiment, the system of the installation application program is installed and is run in electronic device.The electronics
Device can be the computing devices such as desktop PC, notebook, palm PC and server.The electronic device may include but not
It is limited to memory, processor and display.Fig. 6 illustrates only the electronic device with said modules, it should be understood that simultaneously
All components shown realistic are not applied, the implementation that can be substituted is more or less component.
The memory can be the internal storage unit of the electronic device, such as electronics dress in some embodiments
The hard disk or memory set.The memory can also be the External memory equipment of the electronic device in further embodiments,
Such as the plug-in type hard disk being equipped on the electronic device, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) blocks, flash card (Flash Card) etc..Further, the memory can also both include institute
The internal storage unit for stating electronic device also includes External memory equipment.The memory is installed on the electronics dress for storing
The application software and Various types of data set, for example, it is described installation application program system program code etc..The memory may be used also
For temporarily storing the data that has exported or will export.
The processor can be in some embodiments central processing unit (Central Processing Unit,
CPU), microprocessor or other data processing chips, for running the program code stored in the memory or processing data,
Such as execute the system etc. of the installation application program.
The display can be in some embodiments light-emitting diode display, liquid crystal display, touch-control liquid crystal display with
And OLED (Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..The display is for showing
Show the information handled in the electronic device and for showing visual customer interface, such as application menu interface, answers
With icon interface etc..The component of the electronic device is in communication with each other by system bus.
Through the above description of the embodiments, those skilled in the art is it will be clearly understood that the above embodiment
In method the mode of required general hardware platform can be added to realize by software, naturally it is also possible to realized by hardware,
But the former is more preferably embodiment in many cases.Based on this understanding, the technical solution of the application of the present invention is substantially
The part that contributes to existing technology can be expressed in the form of software products in other words, which deposits
Storage is in a storage medium (such as ROM/RAM, magnetic disc, CD), including use (can be with so that a station terminal equipment for some instructions
It is mobile phone, computer, server, air conditioner or the network equipment etc.) execute side described in each embodiment of the application of the present invention
Method.
That is, according to an embodiment of the invention, additionally providing a kind of computer readable storage medium, the computer
It is stored on readable storage medium storing program for executing for executing a kind of automatic journey for withholding method that redeeming turn pair daily payment based on fund share
Sequence when described program is executed by processor, is executed described redeemed based on fund share according to an embodiment of the invention and turns pair daily
Automatic the step of withholding method of payment.
By upper, it will be appreciated that for illustrative purposes, specific embodiments of the present invention are described herein, still, can make
Each modification, without departing from the scope of the present invention.It will be apparent to one skilled in the art that drawn in flow chart step or this
In the operation that describes and routine can be varied in many ways.More specifically, the order of step can be rearranged, step can be executed parallel
Suddenly, step can be omitted, it may include other steps can make the various combinations or omission of routine.Thus, the present invention is only by appended power
Profit requires limitation.
Claims (10)
1. a kind of redeemed based on fund share is turned to pay the automatic of daily payment and withholds method, wherein pass through and execute system operation we
Method, the system include product component and order component, and the product component is to execute of that month plan target table, carry out fund
The component that share is inquired and remaining sum compares, the order component execution fund share are redeemed a turn pair daily payment and are withheld automatically
Component, which is characterized in that
After user receives to withhold agreement automatically, described method includes following steps:
Step 1, product component poll this month plan target table, and using the first plan target in the plan target table as working as
Preceding plan target;The plan target table is withheld signing table and automatically generated by same day product component according to automatic;
Step 2, product component execute the current planning task, call service provider's bill query interface, and send out bill inquiry
Request;
Step 3, service provider receive the bill inquiry request, and Operator interface is called to inquire bill, and by bill query result
It is sent to system as the first query result;
Step 4 judges whether first query result is empty, if so, thening follow the steps 14;Otherwise, passed through by product component
Third party Fund Company fund share query interface calls in trade company, is performed simultaneously step 5;
User's available fund share is inquired by step 5, third party Fund Company, and user's available fund share is converted to can
Ransom money volume is simultaneously sent to system as the second query result;
First query result is compared with second query result for step 6, product component, if second inquiry
As a result it is less than first query result, then the current planning task status is revised as " Sorry, your ticket has not enough value ", and execute step
14;Otherwise, product component calls order component, while product component executes step 14, and order component executes step 7;
Step 7, order component establishment withhold order automatically, and call service provider's order creation interface, generate order creation request,
It is sent to service provider;Wherein, automatic withhold in order includes order status;
Step 8, service provider receive order creation request, create order, and generate order creation as a result, being sent to order component;
Meanwhile Operator interface is called, lock the subscriber's account;
Step 9, order component receive the order creation as a result, judging whether the order creation result is success, if so,
It is " order creation success " to update the order status, and executes step 10;Otherwise, by the plan target state and described
Order status is revised as "abnormal", and sends warning message to system, executes step 14;
Step 10, order component call third party Fund Company payment interface by trade company, and base is sent to third party Fund Company
Golden payment request;Include the fund to be paid in the disbursement from fund request;
After step 11, third party Fund Company receive disbursement from fund request, to user specify fund can use share equivalence in
The share of payment is withheld in the disbursement from fund request, and payment result is returned to trade company;Described in trade company receives
After payment result, system is notified;
Step 12, order component update the order status, and notify order payment result to service provider;
Step 13, service provider carry out the processing that writes off to operator, and update order status and synchronize the system of being sent to;
Whether there is next plan target in step 14, the detection plan target table, if so, then appointing next plan
Business is used as current planning task, returns to step 2;Otherwise, terminate this method.
2. a kind of redeemed based on fund share according to claim 1 is turned to pay the automatic of daily payment and withholds method, feature
It is, the step 3 includes the following steps:
Step 301:After service provider receives the bill inquiry request, operator's bill query interface is called, inquires subscriber's account;
Step 302:Bill query result is sent to service provider by operator;
Step 303:Service provider receives first query result, and is sent to system.
3. a kind of redeemed based on fund share according to claim 1 is turned to pay the automatic of daily payment and withholds method, feature
It is, the step 10 specifically comprises the following steps:
Step 1001:Order component calls trade company to exempt from close payment interface, and generates trade company's payment request;
Step 1002:After trade company receives trade company's payment request, third party Fund Company payment interface is called, while generating base
Golden payment request is sent to third party Fund Company.
4. a kind of redeemed based on fund share according to claim 1 is turned to pay the automatic of daily payment and withholds method, feature
It is, the step 13 includes the following steps:
Step 1301:Service provider sends bill to operator and writes off request, believes in " write off success " for receiving operator's transmission
After breath, order status is updated, and order status information is synchronized into the system of being sent to;
Step 1302:System receives the order status information, and change order status is " paying successfully ".
5. a kind of redeemed based on fund share according to claim 1 is turned to pay the automatic of daily payment and withholds method, feature
It is, the step 4 includes the following steps:
Step 401 judges whether first query result is empty, if so, thening follow the steps 14;Otherwise, step 402 is executed;
Step 402 calls trade company's fund share query interface by product component, and generates fund inquiry request, and trade company receives institute
After stating fund share inquiry request, third party Fund Company fund share query interface is called, step 5 is performed simultaneously.
6. a kind of redeemed based on fund share according to claim 1 is turned to pay the automatic of daily payment and withholds method, feature
It is, further includes following steps after the step 12:
Judge whether the order result is success, if so, it is " paying successfully " to update the plan target state, calls clothes
Business quotient pays notification interface, sends " paying successfully " information, and execute step 13;Otherwise, by the plan target status modifier
For " payment failure ", while failure cause is recorded, sends warning message, and execute step 14.
7. a kind of redeemed based on fund share according to claim 1 is turned to pay the automatic of daily payment and withholds method, feature
It is, further includes following steps before step 1 after user receives to withhold agreement automatically:
Step 000, user contract, the data such as user information are added to of that month meter by trade company according to agreement is withheld automatically with trade company
Draw task list.
8. a kind of redeemed based on fund share according to claim 7 is turned to pay the automatic of daily payment and withholds method, feature
It is, the step 000 specifically comprises the following steps:
A, it after system receives user's subscription request, inquires of that month plan target table and user contracts and records;
B, according to the information in user's signing record and of that month plan target table, judge whether user carried out contracting and paying
Take, if user had contracted, shows user information, end step 000;If user carried out payment in trade company, still
It does not contract, then shows " whether open-minded " information to user, execute c;If user had not both paid the fees also unsigned, i is executed;
C, reception user opens withholds plan calls automatically, calls the payment cipher typing page, executes d;
D, user's payment cipher typing is received, and carries out cryptographic check, if Password Input is correct, executes e;Otherwise, weight is returned
It is new to execute d;
E, identifying code is sent to user, and receives the identifying code of user's typing;If identifying code typing is correct, f is executed;Otherwise it returns
It returns and re-executes e;
F, generate as a result, and adjust back system results notification interface, judge whether the result succeeds, if success, execute g;It is no
Then, it returns and executes c;
G, user information is added into of that month plan target table, while shows the information of " plan of withholding is contracted successfully " to client,
Execute h;
H, page jump is to withholding plan signing interface, while withholding plan signing state, and end step 000 described in updating;
I, display needs the service paid the fees, and is selected by users, and executes j;
J, after the payment request for receiving user's selection, service provider's payment interface is called, is paid the fees, and execute b.
9. a kind of redeemed based on fund share is turned to pay the automatic of daily payment and withholds system, which is characterized in that the system includes production
Product component, order component and system general purpose module,
The product component is the component for executing of that month plan target table, carrying out the inquiry of fund share and remaining sum comparison, including
Data extraction module, data processing module and general module;
The order component be execute fund share and redeem to turn to pay the component that withholds automatically of daily payment, including data extraction module,
Data processing module and general module;
The system general purpose module is the most basic component that system is used to execute the application, including is used for storage system and executes we
The database of all data of method, information and file;
Wherein, the data extraction module is used to extract and/or obtain the data in file and request, and according to being extracted
Data are inquired in alternative document, and extract corresponding information;
The data extraction module includes:
Enquiry module for inquiring data in file and information;And
Extraction module for data and information to be extracted and/or obtained in file and request;
Wherein, the data processing module is used for the data that are extracted according to data extraction module, carry out data screening with
And data transformation operations are carried out, request and message notifying are generated, and for carrying out analysis judgment to corresponding data;
The data processing module includes:
For generating each request, message notifying and carrying out the newer processing module of state;And
Analysis judgment module for carrying out data parsing and judgement operation and for carrying out data screening operation;
Wherein, the general module calls third party software interface and the page, transmission output is simultaneously for being timed Clocked operation
Receive data, request and each message notifying;
The general module includes:
Timer module for carrying out all timings, Clocked operation;
Calling module for calling third party software interface and the page;
For exporting, the output module of conveyer system data, request and message notifying;And
For receiving data, message notifying, the input module respectively asked.
10. a kind of computer readable storage medium, which is characterized in that be stored on the computer readable storage medium for holding
Row redeems the automatic program for withholding method for turning to pay daily payment based on fund share, when described program is executed by processor, executes
The step of method according to one in claim 1 to 8.
Priority Applications (2)
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CN201810319792.7A CN108520408B (en) | 2018-04-10 | 2018-04-10 | Automatic deduction replacing method and system for daily payment based on fund share redemption |
PCT/CN2018/095790 WO2019196232A1 (en) | 2018-04-10 | 2018-07-16 | Share redemption, transfer and payment based automatic withholding method and system for daily payment |
Applications Claiming Priority (1)
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CN201810319792.7A CN108520408B (en) | 2018-04-10 | 2018-04-10 | Automatic deduction replacing method and system for daily payment based on fund share redemption |
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US10733583B2 (en) | 2019-04-29 | 2020-08-04 | Alibaba Group Holding Limited | Blockchain-based withholding operations |
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Also Published As
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WO2019196232A1 (en) | 2019-10-17 |
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