CN108764916A - A kind of multi-user's fund management method and relevant device based on third-party platform - Google Patents
A kind of multi-user's fund management method and relevant device based on third-party platform Download PDFInfo
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- CN108764916A CN108764916A CN201810411272.9A CN201810411272A CN108764916A CN 108764916 A CN108764916 A CN 108764916A CN 201810411272 A CN201810411272 A CN 201810411272A CN 108764916 A CN108764916 A CN 108764916A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
The invention discloses a kind of multi-user's fund management method and relevant device based on third-party platform, the method includes：Foundation includes the user group of at least two users；Setting one and the associated fund-raising trading account of the user group；The fund that the fund-raising trading account is used to receive user in the user group is transferred accounts；The payment request that any user submits is received, payment transaction is carried out using the fund-raising trading account and bank according to the payment request, and receive the transaction receipt of bank's return；According to the transaction receipt and the payment request, the accounting information corresponding to the payment request is generated, and the accounting information is sent to each user in the user group.Multi-user's fund management method based on third-party platform of the present invention, server have the advantages that quick and use of funds situation easy to use is transparent.
Description
Technical field
The present invention relates to Internet technology and internet financial technology field, particularly relate to a kind of based on third-party platform
Multi-user's fund management method and relevant device.
Background technology
With the fast development of smart machine and Internet technology, online e-payment also becomes more and more popular, user
On-line payment is carried out to complete the consumption pattern that the process of exchange of commodity has become mainstream by the smart machine of oneself.It is based on
Fund is often pooled together and (is raised funds) by the social interpersonal relationships between multiple users, multiple users, and is carrying out day
Often when transaction, transaction is completed using the fund-raising fund by one or more users.The realization of the above process more in the prior art
It is generally in the form of：Multiple users transfer accounts fund to be held to a user, and the user that fund is held by this carries out the management of fund
Or it uses；After using fund-raising fund, the user for holding fund also needs to notify specific the making of other users fund-raising fund one by one
Use situation；Obviously, there are users to use the process very complicated for the fund collected, the service condition for fund of raising funds for such mode
Opaque disadvantage.
Invention content
In view of this, it is an object of the invention to propose a kind of fast and easy and use of funds situation is transparent based on
The multi-user's fund management method and relevant device of tripartite's platform.
Based on above-mentioned purpose, in a first aspect, the present invention provides a kind of multi-user's capital management based on third-party platform
Method is applied to server, including：
Foundation includes the user group of at least two users；
Setting one and the associated fund-raising trading account of the user group；The fund-raising trading account is for receiving the user
The fund of user is transferred accounts in group；
The payment request that any user is submitted in the user group is received, is handed over using the fund-raising according to the payment request
Easy account carries out payment transaction with bank, and receives the transaction receipt of bank's return；
According to the transaction receipt and the payment request, the accounting information corresponding to the payment request is generated, and will
The accounting information is sent to each user in the user group.
In some embodiments, the method further includes：It is transferred accounts according to the fund of user in the user group, is described
Each user in user group is corresponding to establish third party individual and keeps accounts inventory；Payment rule is obtained from the payment request；
It is the corresponding generation third party individual note of each user in the user group according to the payment rule and the transaction receipt
Account information is simultaneously stored to third party individual book keeping operation inventory；According to the default unlatching corresponding to any user in the user group
Event opens reconciliation；Compare third party individual's book keeping operation inventory and local personal inventory of keeping accounts；Wherein, described local personal
Book keeping operation inventory is generated with the transaction receipt according to the payment rule and is stored by the user；If third party individual's note
Account inventory is different from the local personal book keeping operation inventory, then the historical trading data of the user is asked to bank, and according to institute
Historical trading data and the payment rule are stated, the personal book keeping operation inventory of correction is generated；The personal book keeping operation inventory of the correction is set to replace
Third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
In some embodiments, the basis corresponds to the default unlatching event of any user in the user group, opens
Reconciliation is opened, including：The reconciliation request that the user submits is received, it is clear by keeping accounts corresponding to the third party individual of the user
Single-shot gives the user；Or, sending reconciliation request to the user, the local personal note that the user sends is received
Account inventory.
In some embodiments, the method further includes：Payment is respectively set for each user in the user group
Permission；
After the payment request for receiving any user's submission, further include：Obtain the corresponding payment of the user
Permission, judges whether the payment request matches with the obligation authority, if matching, according to the payment request use
Trading account of raising funds carries out payment transaction with bank, and receives the transaction receipt of bank's return；If mismatching, refuse the branch
Request is paid, payment failure information is generated and is sent to the user.
In some embodiments, the obligation authority includes：Pay amount；
Obligation authority is respectively set in each user in the user group, including：For each user, obtain
It takes it to carry out the record of transferring accounts that fund is transferred accounts to the fund-raising trading account and the user couple is generated according to the record of transferring accounts
The payment amount answered.
In some embodiments, after generating the corresponding payment amount of the user, further include：It is obtained from external data source
The credit level data for taking the user, according to the credit level data, payment amount corresponding to the user is repaiied
Just.
In some embodiments, the accounting information includes：The payment request generated according to the transaction receipt
The balance amount information of corresponding payment amount information and the fund-raising trading account, and the submission according to payment request generation
The personally identifiable information of the user of the payment request.
In some embodiments, the method further includes：At interval of the preset period, the fund-raising transaction account is generated
The Flow Record information at family is simultaneously sent to each user in the user group.
In some embodiments, the method further includes：
The fund received corresponding to the user group returns to request；
It is returned and is asked according to the fund, confirm that the fund of each user in the user group returns to volume；
Volume is returned to according to the fund, the personal of each user preset collects into the user group using fund-raising trading account
Money trading account carries out fund and transfers accounts respectively.
Second aspect, multi-user's fund management method based on third-party platform that the present invention also provides a kind of, is applied to
User terminal, including：
Payment request is submitted to third-party platform；The payment request is for making third-party platform use fund-raising trading account
Payment transaction is carried out with bank, and receives the transaction receipt of bank's return；
Receive the transaction receipt that third-party platform is sent back.
In some embodiments, the method further includes：It transfers accounts, establishes according to the fund of the fund-raising trading account
Local personal book keeping operation inventory；Payment rule is obtained from the payment request；According to the payment rule and the transaction receipt,
It generates local personal accounting information and stores to the local personal book keeping operation inventory；According to default unlatching event, reconciliation is opened；Than
The local personal book keeping operation inventory and third party individual's book keeping operation inventory；Wherein, the third party individual keeps accounts inventory according to institute
Payment rule is stated to generate with the transaction receipt and stored by third-party platform；If the local personal book keeping operation inventory and described the
Tripartite individual's book keeping operation inventory is different, then the historical trading data of the user is asked to bank, and according to the historical trading number
According to the payment rule, generate the personal book keeping operation inventory of correction；The personal book keeping operation inventory of the correction is set to replace the third party
People's book keeping operation inventory and the local personal book keeping operation inventory.
The third aspect, the present invention also provides a kind of servers, including：
Establish module, for establish include at least two users user group；
Account module, for one and the associated fund-raising trading account of the user group to be arranged；The fund-raising trading account is used
It transfers accounts in the fund for receiving user in the user group；
First payment module, the payment request submitted for receiving any user, uses according to the payment request
The fund-raising trading account carries out payment transaction with bank, and receives the transaction receipt of bank's return；
First accounting module, for according to the transaction receipt and the payment request, generation to be asked corresponding to the payment
The accounting information asked, and the accounting information is sent to each user in the user group.
In some embodiments, the server further includes：First reconciliation module, for being used according in the user group
The fund at family is transferred accounts, and third party individual's book keeping operation inventory is established for each user in the user group is corresponding；From the payment
Payment rule is obtained in request；It is each user couple in the user group according to the payment rule and the transaction receipt
The generation third party individual accounting information answered and storing to the third party individual is kept accounts inventory；According to corresponding to the user group
The default unlatching event of middle any user opens reconciliation；Compare third party individual's book keeping operation inventory to keep accounts clearly with local individual
It is single；Wherein, the local personal book keeping operation inventory is generated with the transaction receipt according to the payment rule and is deposited by the user
Storage；If the third party individual keeps accounts, inventory is different from the local personal book keeping operation inventory, asks the user's to bank
Historical trading data, and according to the historical trading data and the payment rule, generate the personal book keeping operation inventory of correction；Make described
The personal book keeping operation inventory of correction replaces third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
Fourth aspect, the present invention also provides a kind of user terminals, including：
Second payment module, for submitting payment request to third-party platform；The payment request is for keeping third party flat
Platform carries out payment transaction using fund-raising trading account and bank, and receives the transaction receipt of bank's return；
Second accounting module, the transaction receipt sent back for receiving third-party platform.
In some embodiments, the user terminal further includes：Second reconciliation module, for being handed over according to the fund-raising
The fund of easy account is transferred accounts, and local personal book keeping operation inventory is established；Payment rule is obtained from the payment request；According to the branch
Rule and the transaction receipt are paid, local personal accounting information is generated and is stored to the local personal book keeping operation inventory；According to pre-
If the event of unlatching opens reconciliation；Compare the local personal book keeping operation inventory and third party individual's book keeping operation inventory；Wherein, described
Tripartite individual's book keeping operation inventory is generated with the transaction receipt according to the payment rule and is stored by third-party platform；If described
Ground individual book keeping operation inventory is different from third party individual book keeping operation inventory, then the historical trading number of the user is asked to bank
According to, and according to the historical trading data and the payment rule, generate the personal book keeping operation inventory of correction；Make the personal note of the correction
Account inventory replaces third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
From the above it can be seen that multi-user's fund management method and phase provided by the invention based on third-party platform
Equipment is closed, shared fund-raising trading account is established by the user group constituted at least two users, and be every in user group
A user provides the permission paid using the fund-raising trading account, completes each user that can also be into user group after merchandising
The accounting information for sending reflection payout status has the advantages that transparent using upper fast and easy, use of funds situation.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is multi-user's fund management method flow based on third-party platform that the embodiment of the present invention is applied to server
Figure；
Fig. 2 is the reconciliation process flow diagram flow chart that the embodiment of the present invention is applied in the method for server；
Fig. 3 is multi-user's fund management method stream based on third-party platform that the embodiment of the present invention is applied to user terminal
Cheng Tu；
Fig. 4 is the reconciliation process flow diagram flow chart that the embodiment of the present invention is applied in the method for user terminal；
Fig. 5 is the server architecture schematic diagram of the embodiment of the present invention；
Fig. 6 is the user terminal structural schematic diagram of the embodiment of the present invention.
Specific implementation mode
To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with specific embodiment, and reference
Attached drawing, the present invention is described in more detail.
First, an embodiment of the present invention provides a kind of multi-user's fund management method based on third-party platform, this method
Applied to server.The third-party platform is to provide the main part for taking capital management to the user, is also user simultaneously
It provides general website platform and opens up daily service.Based on, third-party platform provide to the user the registration of personal account,
Management service, user can register personal account in third-party platform website, and personal account record has the basic letter of the individual of user
Breath, user need to log in by personal account first when using the service of third-party platform.
With reference to figure 1, the described method comprises the following steps：
Step 101, foundation include the user group of at least two users.
In the present embodiment, the user refers to based on registered user in the third-party platform framework described in leading portion.
According to the request of at least two users or it is request according to a user as initiator in this step, proposition is asked
At least two users specified by least two users asked or initiator user build to form a user group.In general,
There are acquaintance relations in reality by user in user group, have the use of funds wish of fund-raising.Above-mentioned user can
Third-party platform in the present embodiment is registered as user, and according to the request of one or more users, third-party platform is it
A user group is established, which is to form a Virtual User group for corresponding to relationship in its reality.
For example, first, second in reality, the third three artificial classmate teams and groups, need to raise funds to be formed for holding activity
Or purchase the student contributions pooled to pay for class activities of study article.First, second, the third three people can then log in the present embodiment third-party platform, be registered as user
First, Yong Huyi, Yong Hubing；User first, Yong Huyi, user third can submit user group to establish request jointly, or choose and use
Family first is that responsible person submits user group to establish request；Third-party platform is established according to user group and is asked, and user group A is established, should
User group A includes：User first, user second and user third.
Step 102, setting one and the associated fund-raising trading account of the user group；The fund-raising trading account is for receiving
The fund of user is transferred accounts in the user group.
In this step, apply for a bank account from third-party platform to bank, and in third-party platform, by this application
The user group that bank account is established with abovementioned steps is associated, which becomes the progress of the user in user group
The shared account of fund-raising, i.e. the fund-raising trading account.User in user group can pass through personal account (bank's account
Family or other third-party platform accounts) into above-mentioned fund-raising trading account, progress fund is transferred accounts, in trading account of raising funds later
Fund is the shared fund of user group.
Apply for example, third-party platform is user group A and opened up fund-raising trading account.User first, user second and user
Third respectively incorporates 100 yuan by personal bank account to fund-raising trading account, and the remaining sum for trading account of raising funds is
300 yuan namely user group A have 300 yuan of fund-raising volume to be used for user first, Yong Huyi, user third.
Step 103 receives the payment request that any user is submitted in the user group, and institute is used according to the payment request
It states fund-raising trading account and carries out payment transaction with bank, and receive the transaction receipt of bank's return.
In this step, third-party platform can receive the payment request that any user is submitted in user group, the payment request
Show that the user in user group needs to carry out payment transaction using fund-raising trading account.Payment request generally will also include request
The common specific payment information of the payment of progress, such as payment object, payment amount, the beneficiary information of payment；Above-mentioned branch
Paying the common specific payment information that request includes can be obtained by the other application on smart machine that user is held, or
It is to be directly read and (such as scanned the two-dimensional code) by external data source.Third-party platform is according to payment request, you can is submitted with using
The associated fund-raising trading account of user group described in the user of payment request and fund-raising trading account, using in fund-raising trading account
Fund completes payment transaction with interbank.After the completion of payment transaction, third-party platform can also receive the transaction receipt of bank's return；
The transaction receipt contains the specifying information of this payment transaction, and the fund-raising trading account for completing this payment
Balance amount information etc..
For example, need to purchase some study articles using 200 yuan in user group A reality, user A as practical operation people,
After choosing, payment request, request is submitted to be paid by trading account of raising funds by third-party platform.Third-party platform is logical
After crossing the identity of necessary step confirmation user A and the legitimacy of payment request, the associated fund-raising transaction accounts of user group A are used
Family carries out payment transaction with bank, completes the payment of 200 yuan of this；Later, the transaction receipt that bank returns is received, which returns
Hold including：It raises funds the information such as the conventional account information of trading account, 200 yuan of this payment amount, 100 yuan of remaining sum.
As it can be seen that in the embodiment of the present invention, the practical holder for trading account of raising funds is third-party platform, and user deposits fund
After entering trading account of raising funds, third-party platform imparts the power that user is paid using the fund-raising trading account.
Step 104, according to the transaction receipt and the payment request, the book keeping operation generated corresponding to the payment request is believed
It ceases, and the accounting information is sent to each user in the user group.
In this step, after the transaction receipt for receiving bank's return, to realize that fund-raising use of funds situation is transparent, third
Fang Pingtai can generate the accounting information corresponding to the payment request according to transaction receipt and payment request.In turn, third-party platform
The each user that the accounting information can be sent in user group.Wherein, the transmission of accounting information can pass through third-party platform
The mode of inside story, the personnel communications that can also be arranged by user preset are sent, such as short message, mail, social software
Information etc..Preferably, accounting information includes：The corresponding payment amount letter of the payment request generated according to transaction receipt
The balance amount information of breath and the fund-raising trading account, and the institute for submitting the payment request according to payment request generation
State the personally identifiable information of user.
For example, after the study article buying for completing 200 yuan is paid, third-party platform is returned according to the transaction that bank returns
It holds, generates accounting information, and the accounting information is sent to user first, user second and user third.Wherein.Accounting information includes：
The operator of this payment：User's first；The exchange hour of this payment：XXXX XX months XX day, XX：XX points；This payment
Transaction amount：200 yuan；Fund-raising trading account remaining sum after this payment：100 yuan.
In a preferred embodiment, in a step 102, in the step of setting one and the associated fund-raising trading account of the user group
Further include step after rapid：Obligation authority is respectively set for each user in the user group.Specifically, the obligation authority
May include：Pay amount, every payment limit paid, the daily number etc. for submitting payment request.Then correspondingly, in step
Further include step after the step of receiving the payment request that any user submits in 103：Judge the payment request
Whether matched with the obligation authority, if matching, according to the payment request using the fund-raising trading account and bank into
Row payment transaction, and receive the transaction receipt of bank's return；If mismatching, refuse the payment request, generates payment failure
Information is simultaneously sent to the user.Wherein, for different users, different obligation authorities can be set.
For example, in user group A user first, user second and user third, wherein user's first is responsible person, then user
Payment limit in the obligation authority of first be raise funds trading account remaining sum maximum value, i.e., 300 yuan, and user's second and user third
Payment limit cannot reach fund-raising trading account remaining sum maximum value, may be configured as 200 yuan.When user's second submits payment to ask
When asking, corresponding payment amount is then mismatched with its obligation authority if 300 yuan, and third-party platform can be returned to user's second
Failure information is paid, which, which returns, records its payment request and the unmatched specific entry of its obligation authority, at this
In example, i.e., 200 yuan of payment amount is beyond payment limit.
Further, in the present embodiment, when obligation authority is respectively set for each user in the user group, specifically
The setting of obligation authority can in several ways, such as can be according to the application of user oneself, or by by being chosen for
The user of responsible person is carried out unified setting, can also be to be arranged using preset automatic setting method.It is set automatically with preset
When setting method setting obligation authority, the amount of the fund that each user is stored in fund-raising trading account can be referred to；The as described user
The step of obligation authority is respectively set in each user in group specifically includes：For each user, it is obtained to the collection
Money trading account carries out the record of transferring accounts that fund is transferred accounts and generates the corresponding payment amount of the user according to the record of transferring accounts.
Specifically, the payment amount of user can be it is stored in the certain multiple of the capital investment of fund-raising trading account in total；The multiple
Occurrence can be arranged according to the actual application and flexibly.
For example, user's second is successively stored in 100 yuan, 10 yuan, 10 yuan respectively into fund-raising trading account three times, it is stored in total
The capital investment for trading account of raising funds is 120 yuan.It can be that it is stored in fund-raising transaction account in total that it, which can be then arranged, to pay amount
1.5 times of the capital investment at family, i.e. the payment amount of user's second are 180 yuan.When the corresponding branch of payment request that user's second proposes
The amount of money is paid when being more than 180 yuan, third-party platform can refuse this payment request and pay failure information to its return.
Further, further include step after the step of generating the user corresponding payment amount：From external data source
The credit level data for obtaining the user, according to the credit level data, payment amount corresponding to the user carries out
It corrects.I.e. in the present embodiment, the payment amount of user can also be determined according to the previous credit performance of the user.Specifically,
If credit level data is higher, positive amendment (making it pay amount to increase) can be carried out to the payment amount of user；If letter
It is relatively low with level data, then negative sense amendment (making it pay amount to reduce) can be carried out to the payment amount of user.Specifically repair
Positive amplitude can be arranged according to the actual application and flexibly.
In an alternative embodiment, multi-user's fund management method based on third-party platform further includes step
Suddenly：At interval of the preset period, generates the Flow Record information of the fund-raising trading account and be sent to the user group
In each user.The Flow Record information of the fund-raising trading account periodically sent in through this embodiment, can make user
Each user in group can understand its trading account of raising funds in the interior service condition of certain period of time in time, further increase
The transparency of fund-raising fund in trading account of raising funds.
In an alternative embodiment, multi-user's fund management method based on third-party platform further includes step
Suddenly：The fund received corresponding to the user group returns to request；It is returned and is asked according to the fund, confirmed every in the user group
The fund of a user returns to volume；Volume is returned according to the fund, uses fund-raising trading account each user into the user group
Preset personal fund-raising trading account carries out fund and transfers accounts respectively.In some cases, it is total may to need to dismiss it by multiple users
Same fund-raising fund, correspondingly, when present embodiments providing dismission fund-raising fund, by the return side of remaining sum in trading account of raising funds
Method.Specifically, it can directly include the specific amount of money for needing each user's return fund into user group that fund, which returns in request,；
Can also be, based on the current remaining sum of fund-raising trading account, to automatically generate each user after reception fund returns to request and return
Principal amount, specific mode can be that decile is either weighted division according to the history deposit amount of each user.
As seen from the above-described embodiment, multi-user's fund management method of the invention based on third-party platform, by third party
Platform provides the fund-raising trading account for fund-raising for multiple users, and based on third-party platform for user and fund of raising funds
Management is provided to the user the service for being carried out payment transaction using fund-raising trading account, eliminated in existing fund-colle-cting methods, Yong Huyu
The cumbersome process transferred accounts, paid between user, it is simple and convenient for user, user experience is splendid.In addition, for every
The corresponding accounting information that generates of payment transaction simultaneously notifies all users, accomplished the transparent of use of funds of raising funds, and customer service is existing
The opaque disadvantage of fund-raising use of funds in fund-colle-cting methods.
In an alternative embodiment, with reference to figure 2, the method further include for each user personal book keeping operation and
The step of reconciliation, including：
Step 201 is transferred accounts according to the fund of user in the user group, is that each user in the user group is corresponding
Establish third party individual's book keeping operation inventory.
In the present embodiment, on the basis of raising funds trading account, third-party platform can also be for each of user group
User is corresponding to establish third party individual's book keeping operation inventory, which keeps accounts inventory for being recorded in fund-raising trading account
Fund correspond respectively to the investment share of different user, i.e. third party individual inventory of keeping accounts can record each user and collect
Share shared in the overall balance of trading account is provided, and the Flow Record of the service condition of its portion can be recorded.
Corresponding, each user transfers accounts according to it to the fund of fund-raising trading account, can also be right in the local of user
That answers establishes a local personal book keeping operation inventory.
With on the instance basis lifted in above-described embodiment, Yong Hujia, user's second and user third respectively pass through individual
Bank account incorporate 100 yuan to fund-raising trading account, the remaining sum of trading account of raising funds is 300 yuan.For user first, Yong Huyi
Third party individual's book keeping operation inventory (first), third party individual's book keeping operation inventory (second), third party individual's book keeping operation are established respectively with user third
Inventory (third), the keep accounts remaining sum of the record in inventories of three third party individuals is 100 yuan.It is corresponding, Yong Hujia, user
Second and user third have local personal inventory (first) of keeping accounts, local personal book keeping operation inventory (second), local individual in its local also establishes
Book keeping operation inventory (third), remaining sum is also 100 yuan.
Step 202 obtains payment rule from the payment request.
In the present embodiment, it will also include in each payment request that user submits, the payment rule of this payment.It should
The payment share for the used fund that payment rule is used to provide that each user in user group pays this.In general,
The payment share of each user as defined in payment rule is decile (the payment scene for corresponding to the Dutch treatment), it is clear that payment rule
The payment share of defined each user can also be not decile.
By taking decile as an example, user A initiates a payment, needs to pay 150 yuan using fund-raising trading account, the branch submitted
It pays and contains the payment rule that each user divides equally in request.I.e. for 150 yuan of the payment, Yong Hujia, user's second and user
Third bears 50 yuan respectively.
Step 203, according to the payment rule and the transaction receipt, be that each user in the user group is corresponding
It generates third party individual's accounting information and stores to third party individual book keeping operation inventory.
In this step, payment transaction is completed according to payment request and interbank first, the transaction then returned according to bank
Receipt, and the payment rule that obtains before, for each user in the group of family generate third party individual's accounting information and store to
Third party individual's book keeping operation inventory.
It is corresponding, in the local of user, payment rule and transaction receipt can be also obtained, and according to payment rule and friendship
Easy receipt is locally generated local personal accounting information and stores to the local personal book keeping operation inventory.
For example, after completing 150 yuan of payment transaction above-mentioned, third party individual's book keeping operation inventory (first), third party are personal
Keep accounts inventory (second), third party individual keeps accounts inventory (third), three third party individuals keep accounts the record in inventories remaining sum it is equal
Become 50 yuan, and increases the payment record of 50 yuan of a payment.Correspondingly, being stored in the local local personal book keeping operation inventory of user
(first), local personal book keeping operation inventory (second), record in local personal book keeping operation inventory (third) remaining sum can become 50 yuan, and increase
Add the payment record of 50 yuan of a payment.
As it can be seen that in the present embodiment, it is clear to establish personal book keeping operation by identical data respectively for user and third-party platform
Single, this is the basis of the reconciliation process of subsequent step.
Step 204, basis correspond to the default unlatching event of any user in the user group, open reconciliation；Compare institute
State third party individual's book keeping operation inventory and local personal inventory of keeping accounts；Wherein, the local personal book keeping operation inventory is according to the payment
It is regular to generate with the transaction receipt and stored by the user.
However, the problem of being lost due to data transmission fault, data transfer delay or data transmission, it is likely that cause
Tripartite individual's book keeping operation inventory is different from the content that local personal book keeping operation inventory is recorded.Therefore since this step, the present embodiment provides
One reconciliation process.
The reconciliation process is opened in occurring that for some default unlatching events.Default unlatching event can be user
Reconciliation request is submitted to third-party platform.Correspondingly, third-party platform can receive the reconciliation request that the user submits, and will be right
The third party individual book keeping operation inventory of user described in Ying Yu is sent to the user for submitting reconciliation request；The above process is to use
The dynamic application scenarios for initiating reconciliation of householder.
Alternatively, default unlatching event is also possible that third-party platform issues the user with reconciliation request.Correspondingly, third party
Platform can receive the local personal book keeping operation inventory that user sends.The above process is the application that third-party platform actively initiates reconciliation
Scene.
In this step, inventory that tripartite individual can keep accounts is compared with local personal book keeping operation inventory, and whether both inspections
It is identical.The application scenarios of reconciliation are actively initiated for user, this step and subsequent step are locally executed in user, and for
Third-party platform is actively initiated the application scenarios of reconciliation, this step and subsequent step and is executed in third-party platform.
If step 205, the third party individual are kept accounts, inventory is different from the local personal book keeping operation inventory, is asked to bank
The historical trading data of the user is sought, and according to the historical trading data and the payment rule, generates the personal note of correction
Account inventory；The personal book keeping operation inventory of the correction is set to replace third party individual's book keeping operation inventory and the local personal book keeping operation clearly
It is single.
If the third party individual keeps accounts, inventory is different from the local personal book keeping operation inventory, shows that the two one is recorded
The content recorded there are mistake or the two of content there is mistake.At this point, asking the history of the user to be handed over to bank
Easy data, while according to payment rule, a new book keeping operation inventory is generated, it is known as correcting personal book keeping operation inventory in the present embodiment,
Due to the transaction record of the data direct sources and bank that generate correction individual book keeping operation inventory, therefore think that it is accurate.So
The third party individual's book keeping operation inventory for being replaced third-party platform storage respectively using the personal book keeping operation inventory of correction afterwards is locally deposited with user
The local personal book keeping operation inventory of storage, completes reconciliation process.
In addition, when this step starts, inventory and the local personal book keeping operation inventory phase if the third party individual keeps accounts
Together, then it is generally acknowledged that the content of the record of the two is correct；But there is also the situations for the content mistake that the two is recorded, and are
It solves the problems, such as this, could be provided as regularly automatically initiating the reconciliation process in the present embodiment by user or third-party platform.
As it can be seen that multi-user's fund management method based on third-party platform of the present embodiment, be each user local and
Third-party platform respectively provides book keeping operation function, and carries out reconciliation when needed, further promoted use of funds situation it is transparent,
It is particularly corresponding to the use transparency of the fund share of individual subscriber.
Based on same inventive concept, the embodiment of the present invention additionally provides a kind of flat based on third party applied to user terminal
Multi-user's fund management method of platform.
With reference to figure 3, the described method comprises the following steps：
Step 301 submits payment request to third-party platform；The payment request is for making third-party platform use fund-raising
Trading account carries out payment transaction with bank, and receives the transaction receipt of bank's return；
Step 302 receives the transaction receipt that third-party platform is sent back.
Further, with reference to figure 4, the present embodiment further includes reconciliation process, is included the following steps：
Step 401 is transferred accounts according to the fund of the fund-raising trading account, establishes local personal book keeping operation inventory；
Step 402 obtains payment rule from the payment request；
Step 403, according to the payment rule and the transaction receipt, generate local personal accounting information and simultaneously store to institute
State local personal book keeping operation inventory；
Step 404, basis preset unlatching event, open reconciliation；Compare the local personal book keeping operation inventory and third party
People's book keeping operation inventory；Wherein, the third party individual keep accounts inventory according to the payment rule and transaction receipt generation and by
Third-party platform stores；
If step 405, the local personal book keeping operation inventory are different from third party individual book keeping operation inventory, asked to bank
The historical trading data of the user is sought, and according to the historical trading data and the payment rule, generates the personal note of correction
Account inventory；The personal book keeping operation inventory of the correction is set to replace third party individual's book keeping operation inventory and the local personal book keeping operation clearly
It is single.
The method applied to user terminal of the present embodiment, it is corresponding in the method for server with aforementioned applications, accordingly
Technical detail and technique effect had been described in embodiment of the aforementioned applications in the method for server, details are not described herein.
Based on same inventive concept, the embodiment of the present invention additionally provides a kind of server, with reference to figure 5, the server, and packet
It includes：
Establish module 501, for establish include at least two users user group；
Account module 502, for one and the associated fund-raising trading account of the user group to be arranged；The fund-raising trading account
Fund for receiving user in the user group is transferred accounts；
First payment module 503, the payment request submitted for receiving any user, makes according to the payment request
Payment transaction is carried out with the fund-raising trading account and bank, and receives the transaction receipt of bank's return；
First accounting module 504, for according to the transaction receipt and the payment request, generating and corresponding to the payment
The accounting information of request, and the accounting information is sent to each user in the user group.
In an alternative embodiment, the account module 502 is additionally operable to：For each user in the user group point
Obligation authority is not set.Correspondingly, first payment module 503 is additionally operable to：The corresponding obligation authority of the user is obtained, is sentenced
Whether the payment request of breaking matches with the obligation authority, if matching, is handed over using the fund-raising according to the payment request
Easy account carries out payment transaction with bank, and receives the transaction receipt of bank's return；If mismatching, refuses the payment and ask
It asks, generate payment failure information and is sent to the user.
Wherein, the obligation authority includes：Pay amount.The account module 502 is specifically used for：For each use
Family obtains the record of transferring accounts that it transfers accounts to the fund-raising trading account progress fund and generates the use according to the record of transferring accounts
The corresponding payment amount in family.Further, the account module 502 is additionally operable to：The letter of the user is obtained from external data source
With level data, according to the credit level data, payment amount corresponding to the user is modified.
In an alternative embodiment, the accounting information includes：The payment generated according to the transaction receipt
The balance amount information of corresponding payment amount information and the fund-raising trading account is asked, and generated according to the payment request
Submit the personally identifiable information of the user of the payment request.
In an alternative embodiment, the first accounting module 504 is additionally operable to：At interval of the preset period, institute is generated
It states the Flow Record information of fund-raising trading account and is sent to each user in the user group.
In an alternative embodiment, the server further includes：Fund returns to module 505, corresponds to for receiving
The fund of the user group returns to request；It is returned and is asked according to the fund, confirm the fund of each user in the user group
Return volume；Volume is returned to according to the fund, the personal of each user preset collects into the user group using fund-raising trading account
Money trading account carries out fund and transfers accounts respectively.
In an alternative embodiment, further include：First reconciliation module 506, for according to user in the user group
Fund transfer accounts, establish third party individual for each user in the user group is corresponding and keep accounts inventory；It is asked from the payment
Seek middle acquisition payment rule；It is that each user in the user group corresponds to according to the payment rule and the transaction receipt
Generation third party individual accounting information and store to the third party individual keep accounts inventory；According to corresponding in the user group
The default unlatching event of any user opens reconciliation；Compare third party individual's book keeping operation inventory and local personal inventory of keeping accounts；
Wherein, the local personal book keeping operation inventory is generated with the transaction receipt according to the payment rule and is stored by the user；
If the third party individual keeps accounts, inventory is different from the local personal book keeping operation inventory, and the history of the user is asked to bank
Transaction data, and according to the historical trading data and the payment rule, generate the personal book keeping operation inventory of correction；Make the correction
Individual's book keeping operation inventory replaces third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
The server of above-described embodiment and has for realizing the method for server is applied in previous embodiment accordingly
There is the advantageous effect of corresponding embodiment of the method, details are not described herein.
Based on same inventive concept, the embodiment of the present invention additionally provides a kind of user terminal, and with reference to figure 6, the user is whole
End, including：
Second payment module 601, for submitting payment request to third-party platform；The payment request is for making third party
Platform carries out payment transaction using fund-raising trading account and bank, and receives the transaction receipt of bank's return；
Second accounting module 602, the transaction receipt sent back for receiving third-party platform.
In an alternative embodiment, the user terminal further includes：Second reconciliation module 603, for according to institute
The fund for stating fund-raising trading account is transferred accounts, and local personal book keeping operation inventory is established；Payment rule is obtained from the payment request；Root
According to the payment rule and the transaction receipt, generates local personal accounting information and store clear to the local personal book keeping operation
It is single；According to default unlatching event, reconciliation is opened；Compare the local personal book keeping operation inventory and third party individual's book keeping operation inventory；Its
In, third party individual's book keeping operation inventory is generated with the transaction receipt according to the payment rule and is deposited by third-party platform
Storage；If the local personal book keeping operation inventory is different from third party individual book keeping operation inventory, ask the user's to bank
Historical trading data, and according to the historical trading data and the payment rule, generate the personal book keeping operation inventory of correction；Make described
The personal book keeping operation inventory of correction replaces third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
The user terminal of above-described embodiment for realizing in previous embodiment accordingly be applied to user terminal method, and
And the advantageous effect with corresponding embodiment of the method, details are not described herein.
Those of ordinary skills in the art should understand that：The discussion of any of the above embodiment is exemplary only, not
It is intended to imply that the scope of the present disclosure (including claim) is limited to these examples；Under the thinking of the present invention, above example
Or can also be combined between the technical characteristic in different embodiments, step can be realized with random order, and be existed such as
Many other variations of the different aspect of the upper present invention, for simplicity, they are not provided in details.
The embodiment of the present invention be intended to cover fall within the broad range of appended claims it is all it is such replace,
Modifications and variations.Therefore, all within the spirits and principles of the present invention, any omission, modification, equivalent replacement, the improvement made
Deng should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of multi-user's fund management method based on third-party platform is applied to server, which is characterized in that including：
Foundation includes the user group of at least two users；
Setting one and the associated fund-raising trading account of the user group；The fund-raising trading account is for receiving in the user group
The fund of user is transferred accounts；
The payment request that any user is submitted in the user group is received, fund-raising transaction account is used according to the payment request
Family carries out payment transaction with bank, and receives the transaction receipt of bank's return；
According to the transaction receipt and the payment request, the accounting information corresponding to the payment request is generated, and will be described
Accounting information is sent to each user in the user group.
2. multi-user's fund management method according to claim 1 based on third-party platform, which is characterized in that also wrap
It includes：
It is transferred accounts according to the fund of user in the user group, third party is established for each user in the user group is corresponding
People's book keeping operation inventory；
Payment rule is obtained from the payment request；
It is the corresponding generation third party of each user in the user group according to the payment rule and the transaction receipt
People's accounting information is simultaneously stored to third party individual book keeping operation inventory；
According to the default unlatching event corresponding to any user in the user group, reconciliation is opened；It is personal to compare the third party
Book keeping operation inventory and local personal inventory of keeping accounts；Wherein, the local personal book keeping operation inventory is according to the payment rule and the friendship
Easy receipt is generated and is stored by the user；
If the third party individual keeps accounts, inventory is different from the local personal book keeping operation inventory, asks the user's to bank
Historical trading data, and according to the historical trading data and the payment rule, generate the personal book keeping operation inventory of correction；Make described
The personal book keeping operation inventory of correction replaces third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
3. multi-user's fund management method according to claim 2 based on third-party platform, which is characterized in that described
According to the default unlatching event corresponding to any user in the user group, reconciliation is opened, including：
The reconciliation request that the user submits is received, will be sent to corresponding to the third party individual of user book keeping operation inventory
The user；
Or, sending reconciliation request to the user, the local personal book keeping operation inventory that the user sends is received.
4. multi-user's fund management method according to claim 1 based on third-party platform, which is characterized in that also wrap
It includes：
The fund received corresponding to the user group returns to request；
It is returned and is asked according to the fund, confirm that the fund of each user in the user group returns to volume；
Volume is returned to according to the fund, the personal fund-raising of each user preset is handed over into the user group using fund-raising trading account
Easy account carries out fund and transfers accounts respectively.
5. a kind of multi-user's fund management method based on third-party platform is applied to user terminal, which is characterized in that including：
Payment request is submitted to third-party platform；The payment request is for making third-party platform use fund-raising trading account and silver
Row carries out payment transaction, and receives the transaction receipt of bank's return；
Receive the transaction receipt that third-party platform is sent back.
6. multi-user's fund management method according to claim 5 based on third-party platform, which is characterized in that also wrap
It includes：
It transfers accounts according to the fund of the fund-raising trading account, establishes local personal book keeping operation inventory；
Payment rule is obtained from the payment request；
According to the payment rule and the transaction receipt, generates local personal accounting information and store to the local personal note
Account inventory；
According to default unlatching event, reconciliation is opened；Compare the local personal book keeping operation inventory and third party individual's book keeping operation inventory；Its
In, third party individual's book keeping operation inventory is generated with the transaction receipt according to the payment rule and is deposited by third-party platform
Storage；
If the local personal book keeping operation inventory is different from third party individual book keeping operation inventory, ask the user's to bank
Historical trading data, and according to the historical trading data and the payment rule, generate the personal book keeping operation inventory of correction；Make described
The personal book keeping operation inventory of correction replaces third party individual's book keeping operation inventory and the local personal book keeping operation inventory.
7. a kind of server, which is characterized in that including：
Establish module, for establish include at least two users user group；
Account module, for one and the associated fund-raising trading account of the user group to be arranged；The fund-raising trading account is for connecing
The fund for receiving user in the user group is transferred accounts；
First payment module, the payment request submitted for receiving any user, according to the payment request use
Trading account of raising funds carries out payment transaction with bank, and receives the transaction receipt of bank's return；
First accounting module, for according to the transaction receipt and the payment request, generating corresponding to the payment request
Accounting information, and the accounting information is sent to each user in the user group.
8. server according to claim 7, which is characterized in that further include：
First reconciliation module is each user in the user group for being transferred accounts according to the fund of user in the user group
It is corresponding to establish third party individual's book keeping operation inventory；Payment rule is obtained from the payment request；According to the payment rule with
The transaction receipt for the corresponding generation third party individual accounting information of each user in the user group and is stored to described
Third party individual's book keeping operation inventory；According to the default unlatching event corresponding to any user in the user group, reconciliation is opened；Compare
Third party individual's book keeping operation inventory and local personal inventory of keeping accounts；Wherein, the local personal book keeping operation inventory is according to the branch
Rule is paid to generate with the transaction receipt and stored by the user；Inventory and the local if the third party individual keeps accounts
People's book keeping operation inventory is different, then the historical trading data of the user is asked to bank, and according to the historical trading data and institute
Payment rule is stated, the personal book keeping operation inventory of correction is generated；The personal book keeping operation inventory of the correction is set to replace third party individual's book keeping operation
Inventory and the local personal book keeping operation inventory.
9. a kind of user terminal, which is characterized in that including：
Second payment module, for submitting payment request to third-party platform；The payment request is for making third-party platform make
Payment transaction is carried out with bank with fund-raising trading account, and receives the transaction receipt of bank's return；
Second accounting module, the transaction receipt sent back for receiving third-party platform.
10. user terminal according to claim 9, which is characterized in that further include：
Second reconciliation module establishes local personal book keeping operation inventory for transferring accounts according to the fund of the fund-raising trading account；From
Payment rule is obtained in the payment request；According to the payment rule and the transaction receipt, local personal book keeping operation letter is generated
It ceases and stores to the local personal book keeping operation inventory；According to default unlatching event, reconciliation is opened；Compare the local personal book keeping operation
Inventory and third party individual's book keeping operation inventory；Wherein, the third party individual keeps accounts inventory according to the payment rule and the friendship
Easy receipt is generated and is stored by third-party platform；If the local personal book keeping operation inventory keeps accounts inventory not with the third party individual
Together, then the historical trading data of the user is asked to bank, and according to the historical trading data and the payment rule, it is raw
At the personal book keeping operation inventory of correction；The personal book keeping operation inventory of the correction is set to replace third party individual's book keeping operation inventory and the local
Individual's book keeping operation inventory.
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| CN201810411272.9A CN108764916A (en) | 2018-05-02 | 2018-05-02 | A kind of multi-user's fund management method and relevant device based on third-party platform |
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Application publication date: 20181106 |