CN109191301A - Transaction and fund management method and its system and computer readable storage medium - Google Patents
Transaction and fund management method and its system and computer readable storage medium Download PDFInfo
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- CN109191301A CN109191301A CN201811036801.8A CN201811036801A CN109191301A CN 109191301 A CN109191301 A CN 109191301A CN 201811036801 A CN201811036801 A CN 201811036801A CN 109191301 A CN109191301 A CN 109191301A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present invention relates to financial services technology field, a kind of transaction and fund management method are disclosed, the computer readable storage medium for executing the computer program of this method and a kind of transaction and fund management system are stored with.Wherein, transaction and fund management method include: account establishment step: establishing several consumer accounts and several sellers' accounts, and sellers' account and payment terminal is interrelated；Stored Value step: it is stored in fund to consumer account, the fund being stored in is distributed to sellers' account in real time according to preset allocation rule, and virtual remaining sum is recorded on consumer account；Consumption step: the virtual remaining sum on consumer account is reduced in the consumer behavior occurred according to consumer in payment terminal, and records the income from sales generated by payment with sellers' account corresponding to the payment terminal of generation consumer behavior；It distributes regulating step: according to the income from sales of each sellers' account recorded generated by payment, adjusting allocation rule.The present invention can be improved capital settlement efficiency.
Description
Technical field
The present invention relates to financial services technology field, in particular to a kind of transaction and fund management method are stored with execution
The computer readable storage medium of the computer program of this method and a kind of transaction and fund management system.
Background technique
With the development of business community, Stored Value payment has been obtained as a kind of common means of payment and answers on a large scale
With.The payment of so-called Stored Value is referred to being stored in fund in account and is paid again as its name suggests, broadly, bank
Deposit card is also considered one kind of Stored Value payment.But in a narrow sense, refer to that fund is pre-stored in by consumer
In the consumer account that sellers are opened up, and a virtual remaining sum is obtained in the consumer account of oneself, then consuming
During gradually reduce the virtual remaining sum, enjoy the means of payment of commodity and service.
Stored Value payment can often use stored value card.Stored value card is a kind of Payment Card, itself can have fund on card, not remember generally
Name is not reported the loss, and can be used in small amount payment.It is different from the debit card of issued by banks, fund on stored value card there are its publisher,
Namely at effective sale person, and non-financial institution.Stored value card is as a kind of physical support, with mobile payment and credit payment
It is universal, also gradually substituted by personal electric account.
In this means of payment, since sellers are able to be obtained earlier on the fund of consumer's deposit, cash flow is obtained,
And consumer usually can then enjoy certain consumption discount by Stored Value behavior, both sides have reached win-win, therefore Stored Value branch
The mode paid receives the extensive favor of people.Stored Value payment can such as pass through mobile terminal there are many specific form of expression
It is paid with electronic account, or by entity card payment etc., it is very convenient.
When being related to multiple sellers, Stored Value payment will become more convenient.Consumer can pass through to consumer certainly
After the Stored Value of body account, the amount of money prestored is used for the consumption of multiple businessmans.
The prior art is usually by the way that by computer technology, the fund that consumer is stored in is temporarily stored in the third party of bank
In account, and transferred accounts according to allocation proportion to sellers' account.
When using this mode, funds data needs to have enough to meet the need by third party's account, therefore the server of system is in every hair
When a raw consumption, the fund information of third party's account of the bank by being located at cloud is required, in consumer account
Virtual remaining sum is settled accounts.Simultaneously, it is also necessary to by being located at the fund information of third party's account of the bank in cloud, with pin
The person's of selling account term settlement.Its number of communications is more, therefore efficiency is lower, and waiting time when showing as payment can accordingly prolong
It is long.In the area that network speed is slower, consumer will significantly experience clearing delay.In addition, when settling accounts often, in network
Cost needs in infrastructure device also accordingly increase, and data are easier by network attack, it is also possible to bring safety issue.
Summary of the invention
The purpose of the present invention is to provide a kind of transaction and fund management methods.The present invention can be improved transaction and fund pipe
System settlement efficiency and safety are managed, cost is reduced.
This patent provides a kind of transaction and fund management method, includes the following steps:
Account establishment step: establishing several consumer accounts and several sellers' accounts, and by sellers' account and
Payment terminal is interrelated；
Stored Value step: it is stored in fund to consumer account, the fund being stored in is divided in real time according to preset allocation rule
It is assigned in sellers' account, and records virtual remaining sum on consumer account；
Consumption step: the consumer behavior occurred according to consumer in payment terminal is reduced virtual remaining on consumer account
Volume, and record the income from sales generated by payment with sellers' account corresponding to the payment terminal of generation consumer behavior；
Distribute regulating step: according to the income from sales of each sellers' account recorded generated by payment, adjustment distribution
Rule.
Specifically, the present invention also provides a kind of transaction and fund management systems, comprising:
Server, the Stored Value terminal and payment terminal being connect with server communication；
Server is used to store the data of consumer account and sellers' account, and by sellers' account and payment terminal phase
Mutual correlation；
Stored Value terminal is used to be stored in fund to consumer account, and the fund that server is used to be stored in is according to preset point
It is distributed in real time to sellers' account with regular, and records virtual remaining sum on consumer account；
Payment terminal is used to reduce the virtual remaining sum on consumer account according to the consumer behavior occurred, and record with
The income from sales of sellers' account corresponding to the payment terminal of consumer behavior generated by payment occurs；
Server is used for the income from sales generated by payment according to each sellers' account recorded, adjustment distribution rule
Then.
Embodiments of the present invention in terms of existing technologies, by preset allocation rule, in real time by consumer
The fund being stored in is directly stored in the account of sellers, and fund, which only passes through, carries out transfer between consumer and sellers, is saved
Communication exchanges with third party's account, therefore trading efficiency can be significantly improved, clearing delay is reduced, safety is improved.
Preferably, allocation rule includes point when the fund for being stored in consumer account is distributed to each sellers' account
With ratio；
In distribution regulating step, according to the pin of each sellers' account recorded in preset time period generated by payment
Income is sold, the income from sales ratio of sellers' account associated by payment terminal generated by payment is obtained；
According to the income from sales ratio generated by payment, allocation proportion is adjusted.
By income from sales ratio, allocation proportion is adjusted, can be better ensured that for single sellers' account, institute
The number of the fund and the income from sales obtained generated by the payment of consumer that are assigned to is as close possible to even fair.
Further, preferably, in distribution regulating step, in first preset time period, the money that will be stored in
Gold is distributed according to preset fixed proportion to sellers' account, alternatively, the fund being stored in is transferred in third party's account；
In each preset time period later, by the fund being stored according to being had occurred and that in previous preset time period
Consumer behavior, calculate each sellers' account as payment generate income from sales shared by ratio, and according to by payment generate
Income from sales ratio adjust allocation proportion.
Set multiple periods are convenient for preferably adjustment allocation proportion.
Alternatively, preferably, allocation rule includes that the fund for being stored in consumer account is distributed to each sellers' account
When distribution number；
In distribution regulating step, according to the income from sales generated by payment that consumption step is recorded, adjustment distribution number
Volume；
In Stored Value step, the fund being stored in is distributed according to distribution number to sellers' account.
Allocation proportion is adjusted according to distribution number, distributed fund amount can be accurately controlled, prevent from malfunctioning.
Further, preferably, being provided with default amount；
Allocation rule includes:
The fund being stored in is distributed according to preset fixed proportion to sellers' account, or the fund that will be stored in
It is transferred in third party's account, until the fund distributed reaches default amount, the time it takes is first time period；
After first time period, successively or according to set ratio by the fund being stored in distributed in real time to each pin
In the person's of selling account, until the sale of these interior sellers' accounts of the amount of the fund and first time period that are distributed generated by payment
Take in equal, the time it takes is known as second time period；
After the second period of time, it successively or according to set ratio by the fund being stored in is distributed in real time to each pin
In the person's of selling account, until the sale of these interior sellers' accounts of the amount of the fund and second time period that are distributed generated by payment
To take in equal, the time it takes is known as the third period, and so on.
Pass through set default amount, additionally it is possible to better ensure that the fair allocat of fund.
In addition, preferably, third party's account is the account of the manager of transaction and fund management system.
In embodiments of the present invention, third party's account is only in first preset time period or first default amount
Middle participation clearing, therefore the communication efficiency of transaction can be improved significantly.
In addition, it is stored with computer program the present invention also provides a kind of computer readable storage medium, preferably,
The step of above method is realized when computer program is executed by processor.
Further, preferably, Stored Value terminal includes the entity card that core issues consumer；Entity card and consumer
Account is associated, for verifying the identity of consumer；
Alternatively, Stored Value terminal includes the mobile terminal of consumer, the application program for Stored Value is installed in mobile terminal.
By the way that the identity of consumer can be verified by entity card or application program, payment efficiency is improved.
Specific embodiment
Embodiment one
First embodiment of the invention provides a kind of transaction and fund management method, includes the following steps:
Account establishment step: establishing several consumer accounts and several sellers' accounts, and by sellers' account and
Payment terminal is interrelated；
Stored Value step: it is stored in fund to consumer account, the fund being stored in is divided in real time according to preset allocation rule
It is assigned in sellers' account, and records virtual remaining sum on consumer account；
Consumption step: the consumer behavior occurred according to consumer in payment terminal is reduced virtual remaining on consumer account
Volume, and record the income from sales generated by payment with sellers' account corresponding to the payment terminal of generation consumer behavior；
Distribute regulating step: according to the income from sales of each sellers' account recorded generated by payment, adjustment distribution
Rule.
Specifically, above-mentioned transaction and fund management method can be real by a kind of transaction and fund management system system
It is existing comprising:
Server, the Stored Value terminal and payment terminal being connect with server communication；
Server is used to store the data of consumer account and sellers' account, and by sellers' account and payment terminal phase
Mutual correlation；
Stored Value terminal is used to be stored in fund to consumer account, and the fund that server is used to be stored in is according to preset point
It is distributed in real time to sellers' account with regular, and records virtual remaining sum on consumer account；
Payment terminal is used to reduce the virtual remaining sum on consumer account according to the consumer behavior occurred, and record with
The income from sales of sellers' account corresponding to the payment terminal of consumer behavior generated by payment occurs；
Server is used for the income from sales generated by payment according to each sellers' account recorded, adjustment distribution rule
Then.
Stored Value terminal, payment terminal etc. described in present embodiment can be by the suitable communication technologys, such as have
Data are uploaded to server by line communication or OTA technology.
OTA technology described in present embodiment can be used various wireless communication systems, such as CDMA, TDMA, FDMA,
OFDMA, SC-FDMA and other systems.Term " system " and " network " are often used interchangeably.Cdma system can be realized such as
The radio technologies such as universal terrestrial radio access (UTRA), cdma2000.UTRA includes wideband CDMA (W-CDMA) and other
CDMA variant.In addition, cdma2000 covers IS-2000, IS-95 and IS-856 standard.TDMA system can realize such as whole world shifting
Radio technologies such as dynamic communication system (GSM).OFDMA system can realize such as evolved UTRA (E-UTRA), Ultra-Mobile Broadband
(UMB)、IEEE 802.11 (Wi-Fi)、IEEE 802.16(WiMAX)、IEEE 802.20、Flash-Or the like
Radio technology.UTRA and E-UTRA is the part of Universal Mobile Telecommunications System (UMTS).3GPP long term evolution (LTE) is to make
With the UMTS version of E-UTRA, OFDMA is used on the uplink and uses SC-FDMA on uplink.UTRA,E-
UTRA, UMTS, LTE and GSM are described in the document of the tissue from entitled " third generation partnership project (3GPP) ".In addition,
Cdma2000 and UMB is described in the document of the tissue from entitled " third generation partnership project 2 " (3GPP2).In addition, these nothings
Line communication system may also include usually using non-matching without licensed spectrum, 802.xx Wireless LAN, bluetooth and any other short distance
Or equity (for example, mobile to movement) self-organizing (ad hoc) network system of long-range wireless communication technology.
Next work step of the invention is illustrated scene is brought into.
In certain commerce area, there are two businessmans of A, B, be provided with payment terminal in businessman.Also, there are several consumers to exist
According to itself hobby consumption in commerce area.
Embodiment according to the present invention, two businessmans of A, B, which respectively establish, sellers' account A and sellers account B,
The two accounts are interrelated with the payment terminal that is arranged in businessman respectively.Having two consumers to establish has consumer account a
With consumer account b.
Consumer is stored in fund before consumption, to the accounts of consumption of itself, such as a consumer is stored in 100 yuan.B consumption
Person is stored in 1000 yuan.These funds at once, will be transferred accounts in real time according to preset allocation rule into the account of two businessmans
It is indoor, such as 600 yuan of account of A businessman, 500 yuan of the account of B businessman.
At the same time, consumer account a record has 100 yuan of virtual remaining sum, and consumer account b record has virtual remaining sum
1000 yuan.
In the process, since there is no the communication with third party's account, therefore the efficiency traded is compared with the existing technology
For substantially increase.
When consumer consumes, virtual remaining sum will be deducted.For example, a consumer has consumed 50 yuan in A businessman,
B businessman has consumed 50 yuan, virtual remaining sum zero.B consumer has consumed 100 yuan in a businessman, and b businessman has consumed 200 yuan,
Virtual remaining sum is also 800 yuan surplus.
Meanwhile consumer behavior of the consumer in the two businessmans can be recorded in the case, and in the next stage in be used for
Adjust allocation rule.Wherein it is possible to according to the income from sales of each sellers' account recorded generated by payment, adjustment distribution
Rule.
Present embodiment gives a kind of method of adjustment of allocation rule:
In the present embodiment, allocation rule includes that the fund for being stored in consumer account is distributed to each sellers' account
When allocation proportion；
In distribution regulating step, according to the pin of each sellers' account recorded in preset time period generated by payment
Income is sold, the income from sales ratio of sellers' account associated by payment terminal generated by payment is obtained；
According to the income from sales ratio generated by payment, allocation proportion is adjusted.
By income from sales ratio, allocation proportion is adjusted, can be better ensured that for single sellers' account, institute
The number of the fund and the income from sales obtained generated by the payment of consumer that are assigned to is as close possible to even fair.
Specifically, in distribution regulating step, in first preset time period, by the fund being stored according to default
Fixed proportion distribute to sellers' account, alternatively, the fund being stored in is transferred in third party's account；
In each preset time period later, by the fund being stored according to being had occurred and that in previous preset time period
Consumer behavior, calculate each sellers' account as payment generate income from sales shared by ratio, and according to by payment generate
Income from sales ratio adjust allocation proportion.
Set multiple periods are convenient for preferably adjustment allocation proportion.
For example, when entering next preset time period.It is produced according to A businessman in a upper preset time period by payment
Raw income from sales is 150 yuan, and B businessman is 250 yuan, then when any consumer is stored in any amount of money in this stage, institute
The real-time amount of money ratio being assigned to is 3:5.
In the present embodiment, those of ordinary skill in the art can rule of thumb provide the length of preset time period.It can
To be one month, one week, one day etc..
Clearly as the fund that the consumer of each period is stored in is different, therefore do not ensure that all
Revenue and expenditure every month of businessman is completely reciprocity.But on the scale of long period, for single businessman, revenue and expenditure is to become
To in equity.
It is noted that in first preset time period, since there is no the reference of a upper preset time period, therefore
The fund being stored in can be distributed according to preset fixed proportion to sellers' account, alternatively, the fund being stored in is turned
Enter in third party's account.Wherein, third party's account is the account of the manager of transaction and fund management system.Wherein, schematically
, signified fixed proportion can be mean allocation.
In embodiments of the present invention, third party's account is only in first preset time period or first default amount
Middle participation clearing, therefore the communication efficiency of transaction can be improved significantly.
In addition, in the present embodiment, Stored Value terminal further includes the entity card that core issues consumer；Entity card with disappear
The person's of expense account is associated, for verifying the identity of consumer.Certainly, prevailing with mobile payment, Stored Value terminal also can wrap
The mobile terminal of consumer is included, the application program for Stored Value is installed in mobile terminal.
By the way that the identity of consumer can be verified by entity card or application program, payment efficiency is improved.
Those of ordinary skill in the art understand, in the prior art, when by the way of Stored Value payment, since sellers exist
The fund of consumer's deposit is had been obtained at the very start, it is subsequent to be but possible to because being generated in corporate decision, production management process
The factors such as variation, fail to carry out its promise made when consumer is stored in fund to consumer, consumer caused to need to undertake
The risk that sellers abscond with funds, there are many cases that sellers abscond with funds at present.
When provide Stored Value payment sellers, that is, publisher be single company or legal person when, abscond with funds and more hold
Easily.Therefore it is directed to this problem, usually multiple sellers join together in existing business model, obtain consumer jointly
It while the fund being stored in, jointly undertakes obligations, risk is reduced, to reduce the misgivings of consumer.
However, the communication clearing number of these sellers and third party's account also can while the sellers participated in increase
It increase accordingly.
And present embodiment is in terms of existing technologies, by preset allocation rule, is in real time deposited consumer
The fund entered is directly stored in the account of sellers, and fund, which only passes through, carries out transfer between consumer and sellers, eliminate with
The communication exchanges of third party's account, therefore trading efficiency can be significantly improved, clearing delay is reduced, safety is improved.
Embodiment two
Second embodiment of the present invention provides a kind of transaction and fund management method, and second embodiment is real with first
It is different to apply mode, is in place of main difference, in the first embodiment of the present invention, allocation rule includes by consumer
The allocation proportion when fund that account is stored in is distributed to each sellers' account；And in second embodiment of the present invention, point
With the distribution number that rule includes when the fund for being stored in consumer account is distributed to each sellers' account.
In distribution regulating step, according to the income from sales generated by payment that consumption step is recorded, adjustment distribution number
Volume；
In Stored Value step, the fund being stored in is distributed according to distribution number to sellers' account.
Allocation proportion is adjusted according to distribution number, distributed fund amount can be accurately controlled, prevent from malfunctioning.
Specifically, present embodiment is provided with default amount；
Allocation rule includes:
The fund being stored in is distributed according to preset fixed proportion to sellers' account, or the fund that will be stored in
It is transferred in third party's account, until the fund distributed reaches default amount, the time it takes is first time period；
After first time period, successively or according to set ratio by the fund being stored in distributed in real time to each pin
In the person's of selling account, until the sale of these interior sellers' accounts of the amount of the fund and first time period that are distributed generated by payment
Take in equal, the time it takes is known as second time period；
After the second period of time, it successively or according to set ratio by the fund being stored in is distributed in real time to each pin
In the person's of selling account, until the sale of these interior sellers' accounts of the amount of the fund and second time period that are distributed generated by payment
To take in equal, the time it takes is known as the third period, and so on.
Pass through set default amount, additionally it is possible to better ensure that the fair allocat of fund.
For example it is assumed that the default amount in first period is 1000 yuan.In commerce area, when consumer a is supplemented with money
300 yuan, after consumer b supplements 700 yuan with money, one hour spent is referred to as first time period.
Assuming that the consumption that businessman A occurs is 800 yuan in this first time period, the consumption that businessman B occurs is 1500 yuan.
The consumption occurred altogether is 2300 yuan.
First time period in the past after, that is, when second time period starts, system will wait consumer to supplement amount with money
Reach 2300 yuan, and this 2300 yuan ratios according to 8:15 are distributed into businessman A and businessman B in real time.
And in second time period, the consumption that consumer is occurred can continue to distribute within the third period again, with such
It pushes away.
In the present embodiment, those of ordinary skill in the art can provide default amount according to the scale of commerce area
Size.It can be 10,000 yuan, 100,000 yuan, 1,000,000 yuan to differ.
It is noted that in first period, since there is no the reference of a upper period, therefore can be by institute
The fund of deposit is distributed according to preset fixed proportion to sellers' account, alternatively, the fund being stored in is transferred to third party
In account.Wherein, third party's account is the account of the manager of transaction and fund management system.Wherein, schematically, signified
Fixed proportion can be mean allocation.
In embodiments of the present invention, third party's account is only in first preset time period or first default amount
Middle participation clearing, therefore the communication efficiency of transaction can be improved significantly.
For " whens waiting " distribution method compared to first embodiment, " equal " distribution method of second embodiment,
So that the amount of money that each period is distributed was real revenue of the businessman in a upper period, therefore can preferably keep away
Exempt to generate dispute.
Embodiment three
Third embodiment of the present invention additionally provides a kind of computer readable storage medium, is stored with computer program,
Wherein, the transaction of first or second embodiment and the step of fund management method are realized when computer program is executed by processor
Suddenly.
Particularly, in the present embodiment, this computer readable storage medium can be set in the server, for clothes
The processor of business device executes above-mentioned step.
Illustratively, above-mentioned computer program can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory, and are executed by the processor, to complete the present invention.
One or more of module/units can be the series of computation machine program instruction that can complete specific function
Section, the instruction segment are used to describe execution of the computer program in the transaction and capital management device/terminal device
Journey.For example, the computer program can be divided into distribution module, Stored Value module, consumption module, account management module etc.
Deng.
The processor of present embodiment meaning can be microprocessor, but in alternative, which, which can be, appoints
What conventional processor, controller, microcontroller or state machine.Processor is also implemented as calculating the combination of equipment, example
As DSP and the combination of microprocessor, multi-microprocessor, the one or more microprocessors to cooperate with DSP core or it is any its
His such configuration.
The step of method or algorithm for describing in conjunction with embodiment disclosed herein, can be embodied directly in hardware, in by processor
It is embodied in the software module of execution or in combination of the two.Software module can reside in RAM memory, flash memory, ROM and deposit
Reservoir, eprom memory, EEPROM memory, register, hard disk, removable disk, CD-ROM or known in the art appoint
In the storage medium of what other forms.Exemplary storage medium is coupled to processor so that the processor can be from/to the storage
Medium reads and writees information.In alternative, storage medium can be integrated into processor.Pocessor and storage media can
It resides in ASIC.ASIC can reside in user terminal.In alternative, pocessor and storage media can be used as discrete sets
Part is resident in the user terminal.
In one or more exemplary embodiments, described function can be in hardware, software, firmware, or any combination thereof
Middle realization.If being embodied as computer program product in software, each function can be used as one or more item instructions or generation
Code may be stored on the computer-readable medium or be transmitted by it.Computer-readable medium includes computer storage medium and communication
Both media comprising any medium for facilitating computer program to shift from one place to another.Storage medium can be can quilt
Any usable medium of computer access.It is non-limiting as example, such computer-readable medium may include RAM, ROM,
EEPROM, CD-ROM or other optical disc storages, disk storage or other magnetic storage apparatus can be used to carrying or store instruction
Or data structure form desirable program code and any other medium that can be accessed by a computer.Any connection is also by by rights
Referred to as computer-readable medium.For example, if software is using coaxial cable, fiber optic cables, twisted pair, digital subscriber line
(DSL) or the wireless technology of such as infrared, radio and microwave etc is from web site, server 140 or other long-range
Source transmission, the then coaxial cable, fiber optic cables, twisted pair, DSL or such as infrared, radio and microwave etc
Wireless technology is just included among the definition of medium.Disk (disk) and dish (disc) as used herein include compression
Dish (CD), laser disc, optical disc, digital versatile disc (DVD), floppy disk and blu-ray disc, which disk (disk) often in a manner of magnetic again
Existing data, and dish (disc) with laser reproduce data optically.Combinations of the above should also be included in computer-readable Jie
In the range of matter.It should be noted that the content that the computer-readable medium includes can be according to making laws in jurisdiction
Requirement with patent practice carries out increase and decrease appropriate, such as in certain jurisdictions, according to legislation and patent practice, computer
Readable medium does not include electric carrier signal and telecommunication signal.
It will be understood by those skilled in the art that in above-mentioned each embodiment, in order to keep reader more preferably geographical
It solves the application and proposes many technical details.But even if without these technical details and based on the respective embodiments described above
Various changes and modifications can also realize each claim of the application technical solution claimed substantially.Therefore, in reality
In, can to above embodiment, various changes can be made in the form and details, without departing from spirit and model of the invention
It encloses.
Claims (9)
1. a kind of transaction and fund management method, which comprises the steps of:
Account establishment step: establishing several consumer accounts and several sellers' accounts, and by sellers' account and payment
Terminal is interrelated；
Stored Value step: to consumer account be stored in fund, the fund being stored according to preset allocation rule distributed in real time to
In sellers' account, and virtual remaining sum is recorded on consumer account；
Consumption step: the virtual remaining sum on consumer account is reduced in the consumer behavior occurred according to consumer in payment terminal, and
The income from sales of record and sellers' account corresponding to the payment terminal that consumer behavior occurs generated by payment；
It distributes regulating step: according to the income from sales of each sellers' account recorded generated by payment, adjusting allocation rule.
2. transaction according to claim 1 and fund management method, which is characterized in that allocation rule includes by consumer's account
The allocation proportion when fund that family is stored in is distributed to each sellers' account；
In distribution regulating step, received according to the sale of each sellers' account recorded in preset time period generated by payment
Enter, obtains the income from sales ratio of sellers' account associated by payment terminal generated by payment；
According to the income from sales ratio generated by payment, allocation proportion is adjusted.
3. transaction according to claim 2 and fund management method, which is characterized in that in distribution regulating step, the
In one preset time period, the fund being stored in is distributed according to preset fixed proportion to sellers' account, alternatively, by institute
The fund of deposit is transferred in third party's account；
In each preset time period later, the fund being stored in is disappeared according to what is had occurred and that in previous preset time period
Take behavior, calculates ratio shared by the income from sales of each sellers' account generated as payment, and generated by payment according to described
Income from sales ratio adjust allocation proportion.
4. transaction according to claim 1 and fund management method, which is characterized in that allocation rule includes by consumer's account
Distribution number when the fund that family is stored in is distributed to each sellers' account；
In distribution regulating step, according to the income from sales generated by payment that consumption step is recorded, adjustment distribution number；
In Stored Value step, the fund being stored in is distributed according to distribution number to sellers' account.
5. transaction according to claim 4 and fund management method, which is characterized in that be provided with default amount；
The allocation rule includes:
The fund being stored in is distributed according to preset fixed proportion to sellers' account, or the fund being stored in is transferred to
In third party's account, until the fund distributed reaches the default amount, the time it takes is first time period；
After first time period, successively or according to set ratio by the fund being stored in distributed in real time to each sellers
In account, until the income from sales of these interior sellers' accounts of the amount of the fund and first time period that are distributed generated by payment
Equal, the time it takes is known as second time period；
After the second period of time, it successively or according to set ratio by the fund being stored in is distributed in real time to each sellers
In account, until the income from sales of these interior sellers' accounts of the amount of the fund and second time period that are distributed generated by payment
Equal, the time it takes is known as the third period, and so on.
6. the transaction according to claim 3 or 5 and fund management method, which is characterized in that third party's account be transaction and
The account of the manager of fund management system.
7. a kind of computer readable storage medium, is stored with computer program, which is characterized in that computer program is held by processor
The step of method such as any one of claim 1 to 7 is realized when row.
8. a kind of transaction and fund management system characterized by comprising
Server, the Stored Value terminal and payment terminal being connect with server communication；
Server is used to store the data of consumer account and sellers' account, and sellers' account and payment terminal are mutually closed
Connection；
Stored Value terminal is used to be stored in fund to consumer account, and server is for advising the fund being stored according to preset distribution
Then in real time in distribution to sellers' account, and virtual remaining sum is recorded on consumer account；
Payment terminal is used to reduce the virtual remaining sum on consumer account according to the consumer behavior occurred, and records and occur
The income from sales of sellers' account corresponding to the payment terminal of consumer behavior generated by payment；
Server is used for the income from sales generated by payment according to each sellers' account recorded, adjusts allocation rule.
9. transaction according to claim 8 and fund management system, which is characterized in that the Stored Value terminal includes that core is issued
The entity card of consumer；Entity card is associated with consumer account, for verifying the identity of consumer；
Alternatively, the Stored Value terminal includes the mobile terminal of consumer, the application for Stored Value is installed in the mobile terminal
Program.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811036801.8A CN109191301A (en) | 2018-09-06 | 2018-09-06 | Transaction and fund management method and its system and computer readable storage medium |
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| CN201811036801.8A CN109191301A (en) | 2018-09-06 | 2018-09-06 | Transaction and fund management method and its system and computer readable storage medium |
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| CN109191301A true CN109191301A (en) | 2019-01-11 |
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| CN110796551A (en) * | 2019-09-26 | 2020-02-14 | 北京你财富计算机科技有限公司 | Automatic control method, device and system for fund management |
| CN111627173A (en) * | 2019-02-28 | 2020-09-04 | 南京摩铂汇信息技术有限公司 | Bluetooth POS equipment and payment system |
| CN112163844A (en) * | 2020-09-16 | 2021-01-01 | 中国建设银行股份有限公司 | Capital supervision method, device, equipment and storage medium |
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| CN105894376A (en) * | 2016-03-07 | 2016-08-24 | 浙江爱贷金融服务外包股份有限公司 | Financial account capital management system and method |
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