CN109559106A - Fund, which is drawn, pays method, apparatus and realization device - Google Patents
Fund, which is drawn, pays method, apparatus and realization device Download PDFInfo
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- CN109559106A CN109559106A CN201811450263.7A CN201811450263A CN109559106A CN 109559106 A CN109559106 A CN 109559106A CN 201811450263 A CN201811450263 A CN 201811450263A CN 109559106 A CN109559106 A CN 109559106A
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- fund
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
It is drawn the present invention provides a kind of fund and pays method, apparatus and realization device；Wherein, this method is applied to a fund stroke pair system；Fund is drawn the system of paying and is connect respectively with front end access system and service management end；This method comprises: the fund that receiving front-end access system is sent draws and pays request；Fund draws identification information, the total payoff amount of money and the multiple Transaction Informations for paying that request includes front end access system；Transaction Information includes payment amount and beneficiary account；Quota data library is paid according to preset stroke and fund draws and pays request, judges whether that accepting fund stroke pays request；Request is paid if accepting fund and drawing, is drawn according to fund and pays request, determines that drawing for each beneficiary account pays the amount of money；It after receiving the successful payment instruction of front end access system transmission, is drawn to pay request and can draw according to fund and pays the amount of money, by the corresponding payment funding of payment amount to corresponding beneficiary account.Present invention reduces funds to draw the error rate paid, and improves work efficiency.
Description
Technical field
The present invention relates to electronic funds security technology areas, draw more particularly, to a kind of fund and pay method, apparatus and realization
Device.
Background technique
Fund, which draws to pay in banking, belongs to the Collection and Payment On Behalf scope of business；Trade company is carried out by POS (Point ofsales) machine
After transaction, subsequent work holds access system (such as Unionpay) or channel of disbursement to clear trade company's settlement fund to fund settle accounts calculation a few days ago
Processing platform will provide after being pre-processed by fund settle accounts calculation processing platform and (verified trade company's settlement fund, deduction service charge etc.)
Gold, which is drawn to pay, instructs the fund that is committed to draw the system of paying, then draws the system of paying by fund and transfer trade company's settlement fund to bank's account of trade company
In family；Existing fund is drawn in the mode of paying, because a pair instruction of drawing for front end access system submission has the originals such as repetition or the system failure
Cause, mistake is more during fund stroke is paid, and causes working efficiency lower；Fund, which is drawn, pays in the process once mistake occurs, and will cause
The monetary losses of company also can cause adverse effect in trade company's level.
Summary of the invention
Method, apparatus and realization device are paid in view of this, drawing the purpose of the present invention is to provide a kind of fund, to reduce money
Gold draws the error rate paid, and improves working efficiency.
In a first aspect, the embodiment of the invention provides a kind of funds to draw Fu Fangfa, this method is applied to fund and draws the system of paying；
Fund is drawn the system of paying and is connect respectively with front end access system and service management end；This method comprises: receiving front-end access system is sent out
The fund sent, which is drawn, pays request；Fund draws identification information, the total payoff amount of money and the multiple transaction for paying that request includes front end access system
Information；Transaction Information includes payment amount and beneficiary account；Quota data library is paid according to preset stroke and fund draws and pays request,
Judge whether that accepting fund draws a pair request；Request is paid if accepting fund and drawing, is drawn according to fund and pays request, determine each beneficiary
The amount of money is paid in drawing for account；When receive front end access system transmission successful payment instruction after, according to fund draw pay request and
It can draw and pay the amount of money, by the corresponding payment funding of payment amount to corresponding beneficiary account.
With reference to first aspect, the embodiment of the invention provides the first possible embodiments of first aspect, wherein on
It states and pays quota data library and fund stroke pair request according to preset stroke, judge whether that accepting fund stroke pays the step of requesting, comprising:
It is paid at preset stroke in quota data library and searches the corresponding early warning value of identification information and stop payment value；Judge whether the total payoff amount of money is big
In early warning value；If payment amount is less than or equal to early warning value, the fund that accepts is drawn to pay and be requested；If the total payoff amount of money is greater than early warning
Value generates the first warning message, and the first warning message is sent to service management end；When receive service management end transmission
When the first confirmation instruction, judges whether the total payoff amount of money is greater than and stop payment value；If payment amount is less than or equal to stop payment value, money is accepted
Gold, which is drawn, pays request.
With reference to first aspect, the embodiment of the invention provides second of possible embodiments of first aspect, wherein on
It states to be drawn according to fund and pays request, determine each beneficiary account draws the step of paying the amount of money, comprising: will correspond to same gathering
Payment amount in the Transaction Information of square account is added together, and pays the amount of money as drawing for beneficiary account；It can draw and pay the amount of money
It is stored in the merchant information database pre-established.
The possible embodiment of second with reference to first aspect, the embodiment of the invention provides the third of first aspect
Possible embodiment, wherein above-mentioned drawn according to fund pays request and can draw a pair amount of money, by the corresponding payment funding of payment amount
To the step of corresponding to beneficiary account, comprising: according to currently pending Transaction Information, the lookup pair in merchant information database
Remaining sum is paid in drawing for answering；The payment amount paid and deducted in currently pending Transaction Information in remaining sum can be being drawn, after obtaining update
Draw pay a remaining sum；Judge that whether updated draw pays the amount of money less than zero；If not, by currently processed Transaction Information
The corresponding payment funding of payment of balance is to corresponding beneficiary account；If so, generating the second warning message, and second is alerted
Information is sent to service management end；When receiving the second confirmation instruction of service management end transmission, by currently processed transaction
The corresponding payment funding of payment of balance in information is to corresponding beneficiary account.
With reference to first aspect, the embodiment of the invention provides the 4th kind of possible embodiments of first aspect, wherein on
It states and pays request according to preset stroke pair of quota data library and fund stroke, after judging whether that accepting fund stroke pair requests, further includes:
Request is paid if accepting fund and drawing, is paid in quota data library at preset stroke and searches that currently pending Transaction Information is corresponding to be sentenced
The disconnected amount of money；Judge whether the payment amount in currently pending Transaction Information is greater than the preset judgement amount of money；If so, record
Transaction Information, and judge whether Transaction Information is identical as a upper Transaction Information；If it is not the same, determining that Transaction Information is corresponding
Drawing and paying number is 1；If identical, number is paid by upper corresponding stroke of a Transaction Information and adds 1, is believed as currently pending transaction
It ceases corresponding stroke and pays number；Judgement, which is drawn, pays whether number is more than preset stroke pair of number limitation；It is asked if not, being drawn to pay according to fund
It asks and can draw and pay the amount of money, by the corresponding payment funding of payment amount to corresponding beneficiary account；If so, generating third warning letter
Breath, and third warning message is sent to service management end；When receiving the third confirmation instruction of service management end transmission, root
It draws to pay request and can draw according to fund and pays the amount of money, by the corresponding payment funding of payment amount to corresponding beneficiary account.
Second aspect, the embodiment of the present invention also provide an a kind of fund stroke pair device, which is set to fund and draws the system of paying；
Fund is drawn the system of paying and is connect respectively with front end access system and service management end；The device includes: request receiving module, for connecing
It receives the fund that front end access system is sent and draws a pair request；It includes the identification information of front end access system, general branch that fund, which draws and pays request,
Pay the amount of money and multiple Transaction Informations；Transaction Information includes payment amount and beneficiary account；Judgment module is accepted, for according to pre-
If draw to pay quota data library and fund and draw and pay request, judge whether to accept fund to draw and pay request；It can draw and pay amount of money determining module,
If drawing a pair request for accepting fund, drawn according to fund and pay request, determine each beneficiary account draws a pair amount of money；Fund
Payment module, for being drawn according to fund and paying request and can draw after receiving the successful payment instruction of front end access system transmission
The amount of money is paid, by the corresponding payment funding of payment amount to corresponding beneficiary account.
In conjunction with second aspect, the embodiment of the invention provides the first possible embodiments of second aspect, wherein on
Stating and accepting judgment module includes: limit searching unit, corresponding for paying lookup identification information in quota data library at preset stroke
Early warning value and stop payment value；Early warning value judging unit, for judging whether the total payoff amount of money is greater than early warning value；Request acceptance form
Member, if being less than or equal to early warning value for payment amount, the fund that accepts is drawn to pay and be requested；First warning information generation unit, is used for
If the total payoff amount of money is greater than early warning value, the first warning message is generated, and the first warning message is sent to service management end；When
When receiving the first confirmation instruction of service management end transmission, judges whether the total payoff amount of money is greater than and stop payment value；If payment gold
Volume is less than or equal to stop payment value, and the fund that accepts is drawn to pay and be requested.
In conjunction with second aspect, the embodiment of the invention provides second of possible embodiments of second aspect, wherein on
It includes: that can draw to pay an amount calculation unit that a pair amount of money determining module can be drawn by, which stating, for that will correspond to the transaction of same beneficiary account
Payment amount in information is added together, and pays the amount of money as drawing for beneficiary account；It can draw and pay amount of money storage unit, being used for will
Pair amount of money can be drawn to be stored in the merchant information database pre-established.
In conjunction with second of possible embodiment of second aspect, the embodiment of the invention provides the third of second aspect
Possible embodiment, wherein above-mentioned payment funding module includes: that can draw to pay remaining sum searching unit, for according to currently wait locate
The Transaction Information of reason searches corresponding draw in merchant information database and pays remaining sum；It can draw and pay balance updates unit, be used for
The payment amount paid and deducted in currently pending Transaction Information in remaining sum can be drawn, updated draw is obtained and pays remaining sum；It can draw
Amount of money judging unit is paid, for judging that whether updated draw pays the amount of money less than zero；Payment funding unit, be used for if not,
By the corresponding payment funding of payment of balance in currently processed Transaction Information to corresponding beneficiary account；Second warning message
Generation unit is used for if so, generating the second warning message, and the second warning message is sent to service management end；Work as reception
When being instructed to the second confirmation that service management end is sent, by the corresponding fund branch of payment of balance in currently processed Transaction Information
It pays to corresponding beneficiary account.
The third aspect, the embodiment of the present invention also provide an a kind of fund stroke pair realization device, including memory and processor,
In, memory is executed by processor for storing one or more computer instruction, one or more computer instruction, to realize
Above-mentioned fund, which is drawn, pays implementation method.
The embodiment of the present invention bring it is following the utility model has the advantages that
It is drawn the embodiment of the invention provides a kind of fund and pays method, apparatus and realization device；Receiving front-end access system hair
After the fund sent draws pair request, quota data library is paid according to preset stroke and fund is drawn to pay and be requested, judges whether that accepting fund draws
Pay request；Request is paid if accepting the fund and drawing, is drawn according to fund and pays request, determines that drawing for each beneficiary account pays gold
Volume；After receiving the successful payment instruction of front end access system transmission, is drawn to pay request and can draw according to fund and pay the amount of money, will propped up
The corresponding payment funding of the amount of money is paid to corresponding beneficiary account.Which reduces fund and draws the error rate paid, and improves work
Efficiency.
Other features and advantages of the present invention will illustrate in the following description, alternatively, Partial Feature and advantage can be with
Deduce from specification or unambiguously determine, or by implementing above-mentioned technology of the invention it can be learnt that.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, better embodiment is cited below particularly, and match
Appended attached drawing is closed, is described in detail below.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is the flow chart that a kind of fund provided in an embodiment of the present invention draws the method for paying；
Fig. 2 is that another fund provided in an embodiment of the present invention is drawn in the method for paying, it is determined whether accepts fund stroke and pays request
The flow chart of process；
Fig. 3 is that another fund provided in an embodiment of the present invention is drawn in the method for paying, and can draw and pays remaining sum deterministic process
Flow chart；
Fig. 4 is that another fund provided in an embodiment of the present invention is drawn in the method for paying, and repeats to draw the flow chart for paying deterministic process；
Fig. 5 is that a kind of fund provided in an embodiment of the present invention draws the structural schematic diagram for paying device；
Fig. 6 is that a kind of fund provided in an embodiment of the present invention draws the structural schematic diagram for paying realization device.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Under every other embodiment obtained, shall fall within the protection scope of the present invention.
It is an important job that fund, which is drawn and paid, needs to control the risk during this；If only imitated by being accomplished manually
Rate is too low, and be not able to satisfy trade company arrives account demand.Currently, existing fund is drawn in the mode of paying, because front end access system has submission
Draw to pay instruction and exist and repeat or the reasons such as the system failure, fund is drawn pay during mistake it is more, cause working efficiency lower；Money
Gold, which is drawn, to be paid in the process once mistake occurs, and be will cause the monetary losses of company, also can be caused adverse effect in trade company's level.
Based on this, is drawn the embodiment of the invention provides a kind of fund and pay method, apparatus and realization device, can be applied to
Electronic funds security fields.
For convenient for understanding the present embodiment, first to a kind of fund disclosed in the embodiment of the present invention draw the method for paying into
Row is discussed in detail.
A kind of fund shown in Figure 1 draws the flow chart for the method for paying, and this method is applied to fund and draws the system of paying；Fund is drawn
The system of paying is connect with front end access system and service management end respectively；Method includes the following steps:
Step S100, the fund that receiving front-end access system is sent, which is drawn, pays request；It includes that front end is accessed that fund, which draws and pays request,
Identification information, the total payoff amount of money and the multiple Transaction Informations of system；Transaction Information includes payment amount and beneficiary account.
Above-mentioned front end access system can be banking system or other payment platforms, such as Alipay, wechat；Above-mentioned fund
Drawing and paying request can be a compressed package；Include the identification information of front end access system in compressed package, such as indicate code, always
Payment amount and the information of more transactions；It include payment amount and the beneficiary account for collecting the fund in every transaction information
Family；After the fund that receives draws and pays request, it is also necessary to be decompressed to compressed package, obtain every transaction information.
Step S102 pays quota data library according to preset stroke and fund draws and pays request, judges whether that accepting fund stroke pays
Request.
Specifically, fund can be set to each front end access system and draws the limit paid, by front end access system and correspondence
Limit be saved in draw pay quota data library in；After the fund for receiving some front end access system draws and pays request, paid drawing
The corresponding limit of identification information of quota data library lookup front end access system；Judge whether payment total amount is in excess of the quota, such as
Fruit is higher than the limit, can carry out prompting or being directly not bound by fund stroke pair request to service management end；It should if be no more than
Limit can determine that accepting the fund draws a pair request.
Step S104 pays request if accepting fund and drawing, is drawn according to fund and pay request, and determine each beneficiary account can
It draws and pays the amount of money.
Specifically, fund, which is drawn, pays including more transactions in request, some corresponding beneficiary accounts of trading are the same；It can
To be counted to All Activity information, the payment amount for corresponding to same beneficiary account is added together, as the gathering
The amount of money is paid in drawing for square account, and is preserved.
Step S106, when receive front end access system transmission successful payment instruction after, according to fund draw pay request and
It can draw and pay the amount of money, by the corresponding payment funding of payment amount to corresponding beneficiary account.
Specifically, after the successful payment instruction for receiving the transmission of front end access system, according to certain sequence, such as time sequencing
Or alphabet puts in order and successively handles every transaction；When one transaction of every processing, it will update draw and pay gold
Volume；Under treatment when a transaction, judgement, which can be drawn, pays whether the amount of money is nonnegative number, if it does, by this Transaction Information
Payment amount payment funding to corresponding beneficiary account, and subtract in the current payable amount of money branch of this Transaction Information
Pay the amount of money；If can draw pay the amount of money be negative, generate warning message so that related personnel the treatment process is checked and
Confirmation.
The embodiment of the invention provides a kind of funds to draw Fu Fangfa；The fund that receiving front-end access system is sent, which is drawn, pays request
Afterwards, quota data library is paid according to preset stroke and fund draws and pays request, judge whether that accepting fund stroke pays request；If accepting this
Fund, which is drawn, pays request, then is drawn according to fund and pay request, determines that drawing for each beneficiary account pays the amount of money；When receiving preceding termination
After the successful payment instruction for entering system transmission, is drawn to pay request and can draw according to fund and pay the amount of money, by the corresponding fund of payment amount
It pays to corresponding beneficiary account.This method reduce funds to draw the error rate paid, and improves work efficiency, and ensured fund
The safety and accuracy paid are drawn, control fund, which repeats to draw, pays risk.
In actual operation, early warning value can be set for each front end access system and stops payment value；Fund stroke is received to pay
After request, when total amount is more than early warning value, warning message will be generated；When total amount is more than to stop payment value, then the money is not bound by
Gold, which is drawn, pays request；Above-mentioned steps S102 can be accomplished by the following way:
(1) it is paid at preset stroke in quota data library and searches the corresponding early warning value of identification information and stop payment value；
(2) judge whether the total payoff amount of money is greater than early warning value；
(3) if payment amount is less than or equal to early warning value, the fund that accepts is drawn to pay and be requested；
(4) if the total payoff amount of money is greater than early warning value, the first warning message is generated, and the first warning message is sent to industry
Business management end；When receiving the first confirmation instruction of service management end transmission, judges whether the total payoff amount of money is greater than and stop payment value；
If payment amount is less than or equal to stop payment value, the fund that accepts is drawn to pay and be requested.
Pay request abnormal situation by the above-mentioned means, can draw to avoid some funds.
In actual operation, it can set up draw for each beneficiary account and pay the amount of money, prevent more transactions from drawing the process of paying
In fund mistake, above-mentioned steps S104 can be accomplished by the following way:
(1) payment amount in the Transaction Information for corresponding to same beneficiary account is added together, as beneficiary account
The amount of money is paid in drawing for family；
(2) pair amount of money will can be drawn to be stored in the merchant information database pre-established.
Set up for each beneficiary account can draw pay the amount of money after, above-mentioned steps S106 can be accomplished by the following way:
(1) according to currently pending Transaction Information, corresponding draw is searched in merchant information database and pays remaining sum；
(2) deduct payment amount in currently pending Transaction Information can draw to pay in remaining sum, obtain it is updated can
It draws and pays remaining sum；
(3) judge that whether updated draw pays the amount of money less than zero；
(4) if not, by the corresponding payment funding of payment of balance in currently processed Transaction Information to corresponding gathering
Square account；
(5) if so, generating the second warning message, and the second warning message is sent to service management end；When receiving
When the second confirmation instruction that service management end is sent, by the corresponding payment funding of payment of balance in currently processed Transaction Information
To corresponding beneficiary account.
In these cases, it repeats to draw in case of fund and pay or mistake draws to pay leads to draw that pay remaining sum abnormal, all can
Warning message is generated, to reduce error rate.
In some cases, what front end access system may be submitted draws pair instruction in the presence of repetition or the system failure, causes same
Repeatedly drawing, which occurs, in one fund to be paid；In order to reduce the generation of such case, after pair request being drawn determining the fund that accepts, root
Judge the amount of money and draw a pair number judgement and currently trade whether to be repeat business according to setting, concrete mode is as follows:
(1) request is paid if accepting fund and drawing, is paid in quota data library at preset stroke and searches currently pending transaction
The corresponding judgement amount of money of information；Specifically, it pays in quota data library and is searched in currently pending Transaction Information at preset stroke
Corresponding stroke of beneficiary account pay the amount of money；It is, such as a Wan Yuan, ten ten thousand pre-set according to the demand of account that this stroke, which pays the amount of money,
Member etc..
(2) judge whether the payment amount in currently pending Transaction Information is greater than the preset judgement amount of money.
(3) if so, recording Transaction Information, and judge whether Transaction Information is identical as a upper Transaction Information；Specifically,
The identical of Transaction Information refers to that transaction amount and beneficiary account are all the same.
(4) if it is not the same, determining that paying number for corresponding stroke of Transaction Information is 1；If identical, by a upper Transaction Information
It pays number for corresponding stroke and adds 1, pay number as currently pending corresponding stroke of Transaction Information；Specifically, if it is not the same, then
The Transaction Information is not repeat business, its a pair number of drawing is set as 1, primarily to the judgement of next transaction；If
When identical, then it needs to be determined that identical Transaction Information occur number, to judge a possibility that Transaction Information duplicates payment
Size.
(5) judgement, which is drawn, pays whether number is more than preset stroke pair of number limitation；Specifically, it is according to gathering that this stroke, which pays number,
What the demand of side determined, typically larger than 1.
(6) amount of money is paid if not, drawing to pay request and can draw according to fund, by the corresponding payment funding of payment amount to correspondence
Beneficiary account；I.e. when judgement, which is drawn, pays no more than preset stroke pair number limitation of number, it is normally carried out fund and draws the process of paying.
(7) if so, generating third warning message, and third warning message is sent to service management end；When receiving
When the third that service management end is sent confirms instruction, is drawn to pay request and can draw according to fund and pay the amount of money, payment amount is corresponding
Payment funding is to corresponding beneficiary account；If drawing and paying number is more than preset stroke pair of number limitation, warning message is generated, with
Related personnel is set to check the more detailed information of Transaction Information, it is determined whether to continue fund stroke and pay.
Aforesaid way can be reduced because duplicate fund stroke, which pays fund caused by requesting, draws a pair mistake, improve work effect
Rate.
The embodiment of the invention also provides another funds to draw the method paid, the basis of this method method shown in Fig. 1
Upper realization；This method mainly passes through fund and draws the system of paying, and when carrying out capital settlement to trade company, increases multiple judgement and verification ring
Section avoids fund caused by all kinds of situations from repeating to draw Fu Wenti.
Firstly, this method can be in such a way that setting fund draws and pays the early warning value of the amount of money and stop payment value, it is determined whether by
Reason fund, which is drawn, pays request, and flow chart is as shown in Figure 2, the specific steps are as follows:
(1) early warning value of front end access system and rear end channel of disbursement is set and stops payment value；Specifically, it early warning value and stops payment
Value can be automatically adjusted according to period the last period (such as last month) payment amount according to 120% ratio.
(2) what receiving front-end access system (or channel of disbursement) was submitted draws a pair request.
(3) funds systems by early warning value and stop payment the payment amount that value subtracts access system, surpass drawing the amount of money for paying request
When crossing early warning value, system is reminded, but still payable, and when more than stopping payment value, stopping accepts front end access system and draws a pair request,
By manually being verified, after confirming devoid of risk, modification early warning value normally accepts to draw to pay and request with value, continuation is stopped payment.
When determining that accepting trade company stroke pays request, this method, which can draw by the account for trade company, pays what remaining sum judged
Mode, reduces the mistake occurred during payment funding, and flow chart is as shown in Figure 3, the specific steps are as follows:
(1) trade company that system accepts the submission of front end access system, which draws, pays request.
(2) it can be drawn for the setting of each trade company's account and pay remaining sum, the value of remaining sum is that drawing for trade company's submission pays the amount of money.
(3) after system succeeds payment and settlement money to trade company, a pair remaining sum can be drawn by reducing trade company automatically；
(4) when drawing that pay remaining sum be negative of trade company is determined, the trade company in processing, which draws, to pay transaction and no longer paid, together
When reminding business personnel go to handle；
(5) confirm no problem draws the business of paying, and after business personnel's modification can draw and pay remaining sum, can be normally carried out payment.
After determining that accepting trade company draws pair request, repetition can also be configured and draw the judgement for paying the amount of money and number, to reduce
It repeats to draw the faulty operation paid, flow chart is as shown in figure 4, specific as follows:
(1) the judgement amount of money paid is drawn to repetition and number is configured；
(2) same front end access system, the same to account, the same to amount of money, pair request of drawing with name in an account book sent for the first time, record, which is drawn, to be paid
Number
(3) be more than number limitation identical stroke pay request, system no longer carry out draw pay transaction, return front end access system into
Row confirmation, there is no after risk, system remains seized of this stroke and pays request for confirmation.
The above method is judged by multiple verification, right if front end access system, rear end channel of disbursement carry out limit setting
The setting of trade company's account, which can be drawn, pays remaining sum, verifies the means such as the transaction of the identical account name in an account book amount of money to avoid going out in system treatment process
Existing fund, which repeats to draw, pays risk, and reminds existing doubtful risk, and timely manpower intervention excludes risk.
The embodiment of the present invention also provides an a kind of fund stroke pair device, and structural schematic diagram is as shown in figure 5, the device is set to
Fund draws the system of paying；Fund is drawn the system of paying and is connect respectively with front end access system and service management end；The device includes: that request connects
Module 500 is received, the fund sent for receiving front-end access system draws a pair request；It includes front end access system that fund, which draws and pays request,
Identification information, the total payoff amount of money and multiple Transaction Informations；Transaction Information includes payment amount and beneficiary account；Accept judgement
Module 502 pays request for drawing according to preset stroke pair of quota data library and fund, judges whether that accepting fund draws a pair request；
It can draw and pay amount of money determining module 504, if drawing a pair request for accepting fund, be drawn according to fund and pay request, determine each gathering
The amount of money is paid in drawing for square account；Payment funding module 506, for when the successful payment instruction for receiving the transmission of front end access system
Afterwards, it is drawn to pay request and can draw according to fund and pays the amount of money, by the corresponding payment funding of payment amount to corresponding beneficiary account.
Further, the above-mentioned judgment module that accepts includes: limit searching unit, for paying quota data library at preset stroke
The corresponding early warning value of middle lookup identification information and stop payment value；Early warning value judging unit, for judging whether the total payoff amount of money is greater than
Early warning value；Request accepts unit, if being less than or equal to early warning value for payment amount, the fund that accepts draws a pair request；First alarm
Information generating unit generates the first warning message, and the first warning message is sent out if being greater than early warning value for the total payoff amount of money
It send to service management end；When receiving the first confirmation instruction of service management end transmission, judge whether the total payoff amount of money is greater than
Stop payment value；If payment amount is less than or equal to stop payment value, the fund that accepts is drawn to pay and be requested.
Further, the embodiment of the invention provides second of possible embodiments of second aspect, wherein it is above-mentioned can
Drawing and paying amount of money determining module includes: that can draw to pay amount calculation unit, for that will correspond to the Transaction Information of same beneficiary account
In payment amount be added together, as beneficiary account draw pay an amount of money；It can draw and pay amount of money storage unit, for that can draw
The amount of money is paid to be stored in the merchant information database pre-established.
Further, above-mentioned payment funding module includes: and can draw to pay remaining sum searching unit, for according to currently pending
Transaction Information searches corresponding draw in merchant information database and pays remaining sum；It can draw and pay balance updates unit, for that can draw
The payment amount deducted in currently pending Transaction Information in remaining sum is paid, updated draw is obtained and pays remaining sum；It can draw and pay gold
Volume judging unit, for judging that whether updated draw pays the amount of money less than zero；Payment funding unit, for if not, will work as
The corresponding payment funding of payment of balance in the Transaction Information of pre-treatment is to corresponding beneficiary account；Second warning message generates
Unit is used for if so, generating the second warning message, and the second warning message is sent to service management end；When receiving industry
When the second confirmation instruction that management end of being engaged in is sent, extremely by the corresponding payment funding of payment of balance in currently processed Transaction Information
Corresponding beneficiary account.
Fund provided in an embodiment of the present invention, which is drawn, pays device, draws the method for paying with identical with fund provided by the above embodiment
Technical characteristic reach identical technical effect so also can solve identical technical problem.
It is drawn present embodiments provide for a kind of fund corresponding with above method embodiment and pays realization device.Fig. 6 is
The structural schematic diagram of the realization device, as shown in fig. 6, the equipment includes processor 1201 and memory 1202；Wherein, memory
1202 for storing one or more computer instruction, and one or more computer instruction is executed by processor, above-mentioned to realize
Fund draws Fu Fangfa.
Realization device shown in fig. 6 further includes bus 1203 and forwarding chip 1204, processor 1201, forwarding chip 1204
It is connected with memory 1202 by bus 1203.The realization device of the message transmissions can be network edge device.
Wherein, memory 1202 may include high-speed random access memory (RAM, RandomAccess Memory),
It may further include non-labile memory (non-volatile memory), for example, at least a magnetic disk storage.Bus
1203 can be isa bus, pci bus or eisa bus etc..The bus can be divided into address bus, data/address bus, control
Bus etc..Only to be indicated with a four-headed arrow in Fig. 6, it is not intended that an only bus or a seed type convenient for indicating
Bus.
Forwarding chip 1204 is used to connect by network interface at least one user terminal and other network units, will seal
The IPv4 message or IPv6 message installed is sent to the user terminal by network interface.
Processor 1201 may be a kind of IC chip, the processing capacity with signal.It is above-mentioned during realization
Each step of method can be completed by the integrated logic circuit of the hardware in processor 1201 or the instruction of software form.On
The processor 1201 stated can be general processor, including central processing unit (Central Processing Unit, abbreviation
CPU), network processing unit (Network Processor, abbreviation NP) etc.；It can also be digital signal processor (Digital
Signal Processing, abbreviation DSP), specific integrated circuit (Application Specific Integrated
Circuit, abbreviation ASIC), ready-made programmable gate array (Field-Programmable Gate Array, abbreviation FPGA) or
Person other programmable logic device, discrete gate or transistor logic, discrete hardware components.It may be implemented or execute sheet
Disclosed each method, step and logic diagram in invention embodiment.General processor can be microprocessor or this at
Reason device is also possible to any conventional processor etc..The step of method in conjunction with disclosed in embodiment of the present invention, can direct body
Now executes completion for hardware decoding processor, or in decoding processor hardware and software module combine and execute completion.It is soft
Part module can be located at random access memory, and flash memory, read-only memory, programmable read only memory or electrically erasable programmable are deposited
In the storage medium of this fields such as reservoir, register maturation.The storage medium is located at memory 1202, and the reading of processor 1201 is deposited
Information in reservoir 1202, in conjunction with its hardware complete aforementioned embodiments method the step of.
Embodiment of the present invention additionally provides a kind of machine readable storage medium, and machine readable storage medium storage is organic
Device executable instruction, for the machine-executable instruction when being called and being executed by processor, machine-executable instruction promotes processor
Realize that above-mentioned fund draws Fu Fangfa, specific implementation can be found in method implementation, and details are not described herein.
Fund provided by embodiment of the present invention, which is drawn, pays device and realization device, the technology effect of realization principle and generation
Fruit is identical with preceding method embodiment, and to briefly describe, device embodiments part does not refer to place, can refer to preceding method
Corresponding contents in embodiment.
In several embodiments provided herein, it should be understood that disclosed device and method can also lead to
Other modes are crossed to realize.Device embodiments described above are only schematical, for example, the flow chart in attached drawing and
Block diagram shows the system in the cards of the device of multiple embodiments according to the present invention, method and computer program product
Framework, function and operation.In this regard, each box in flowchart or block diagram can represent a module, program segment or generation
A part of code, a part of the module, section or code include one or more for realizing defined logic function
Executable instruction.It should also be noted that function marked in the box can also be in some implementations as replacement
Occur different from the sequence marked in attached drawing.For example, two continuous boxes can actually be basically executed in parallel, they
Sometimes it can also execute in the opposite order, this depends on the function involved.It is also noted that block diagram and or flow chart
In each box and the box in block diagram and or flow chart combination, can function or movement as defined in executing it is special
Hardware based system is realized, or can be realized using a combination of dedicated hardware and computer instructions.
In addition, each functional module or unit in each embodiment of the present invention can integrate and form one together solely
Vertical part is also possible to modules individualism, can also be integrated to form with two or more modules one it is independent
Part.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in a computer readable storage medium.Based on this understanding, the technical solution of the disclosure is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) execute all or part of step of each embodiment the method for the disclosure
Suddenly.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), deposits at random
The various media that can store program code such as access to memory (RAM, Random Access Memory), magnetic or disk.
Finally, it should be noted that embodiment described above, the only specific embodiment of the disclosure, to illustrate this public affairs
The technical solution opened, rather than its limitations, the protection scope of the disclosure are not limited thereto, although referring to aforementioned embodiments pair
The disclosure is described in detail, those skilled in the art should understand that: any technology for being familiar with the art
Personnel can still modify to technical solution documented by aforementioned embodiments in the technical scope that the disclosure discloses
Or variation or equivalent replacement of some of the technical features can be readily occurred in；And these modifications, variation or replacement,
The spirit and scope for disclosure embodiment technical solution that it does not separate the essence of the corresponding technical solution, should all cover in this public affairs
Within the protection scope opened.Therefore, the protection scope of the disclosure shall be subject to the protection scope of the claim.
Claims (10)
1. a kind of fund draws Fu Fangfa, which is characterized in that the method is applied to fund and draws the system of paying；The fund draws the system of paying
It is connect respectively with front end access system and service management end；The described method includes:
It receives the fund that the front end access system is sent and draws a pair request；It includes front end access system that the fund, which draws and pays request,
Identification information, the total payoff amount of money and the multiple Transaction Informations of system；The Transaction Information includes payment amount and beneficiary account；
Quota data library is paid according to preset stroke and the fund draws and pays request, judges whether that accepting the fund stroke pays request；
Request is paid if accepting the fund and drawing, is drawn according to the fund and pays request, determine each beneficiary account can
It draws and pays the amount of money；
After receiving the successful payment instruction of front end access system transmission, pair request is drawn according to the fund and described draw is paid
The amount of money, by the corresponding payment funding of the payment amount to the correspondence beneficiary account.
2. the method according to claim 1, wherein described pay quota data library and the money according to preset stroke
Gold, which is drawn, pays request, judges whether that accepting the fund draws the step of paying request, comprising:
It is paid at preset stroke and searches the corresponding early warning value of the identification information in quota data library and stop payment value；
Judge whether the total payoff amount of money is greater than the early warning value；
If the payment amount is less than or equal to the early warning value, accepts the fund and draw a pair request；
If the total payoff amount of money is greater than the early warning value, the first warning message is generated, and first warning message is sent out
It send to the service management end；When receiving the first confirmation instruction that the service management end is sent, the total payoff is judged
The amount of money stops payment value described in whether being greater than；If the payment amount stops payment value less than or equal to described, accepts the fund stroke pair and ask
It asks.
3. determining each institute the method according to claim 1, wherein described draw according to the fund pays request
That states beneficiary account draws the step of paying the amount of money, comprising:
Payment amount in the Transaction Information for corresponding to same beneficiary account is added together, as the beneficiary account
The amount of money is paid in drawing for family；
Pair amount of money of drawing is stored in the merchant information database pre-established.
4. according to the method described in claim 3, it is characterized in that, described pay according to the fund stroke pair request and described draw
The step of amount of money, beneficiary account that the corresponding payment funding of the payment amount is described to correspondence, comprising:
According to currently pending Transaction Information, corresponding draw is searched in the merchant information database and pays remaining sum；
In the payment amount for drawing and paying and being deducted in remaining sum in currently pending Transaction Information, obtains updated draw and pay
Remaining sum；
Judge that whether updated draw pays the amount of money less than zero；
If not, by the corresponding payment funding of payment of balance in currently processed Transaction Information to corresponding beneficiary account；
If so, generating the second warning message, and second warning message is sent to the service management end；When receiving
When the second confirmation instruction that the service management end is sent, by the corresponding fund of payment of balance in currently processed Transaction Information
It pays to corresponding beneficiary account.
5. the method according to claim 1, wherein described pay quota data library and the money according to preset stroke
Golden stroke is paid request, after judging whether that accepting the fund stroke pair requests, further includes:
Request is paid if accepting the fund and drawing, is paid in quota data library at preset stroke and searches currently pending Transaction Information
The corresponding judgement amount of money；
Judge whether the payment amount in currently pending Transaction Information is greater than the preset judgement amount of money；
If so, recording the Transaction Information, and judge whether the Transaction Information is identical as a upper Transaction Information；
If it is not the same, determining that paying number for described corresponding stroke of Transaction Information is 1；If identical, by a upper Transaction Information pair
Pair number of drawing answered adds 1, pays number as currently pending corresponding stroke of Transaction Information；
Described draw of judgement pays whether number is more than preset stroke pair of number limitation；
If not, an amount of money is paid according to the fund stroke pair request and described draw, by the corresponding payment funding of the payment amount
To the correspondence beneficiary account；
If so, generating third warning message, and the third warning message is sent to the service management end；When receiving
When the third that the service management end is sent confirms instruction, pair request is drawn according to the fund and described draw pays the amount of money, by institute
The corresponding payment funding of payment amount is stated to the correspondence beneficiary account.
6. a kind of fund, which is drawn, pays device, which is characterized in that described device is set to fund and draws the system of paying；The fund draws the system of paying
It is connect respectively with front end access system and service management end；Described device includes:
Request receiving module draws a pair request for receiving the fund that the front end access system is sent；The fund, which is drawn, pays request
Identification information, the total payoff amount of money and multiple Transaction Informations including the front end access system；The Transaction Information includes payment
The amount of money and beneficiary account；
Judgment module is accepted, for paying quota data library and the fund stroke pair request according to preset stroke, judges whether to accept
The fund, which is drawn, pays request；
It can draw and pay amount of money determining module, if drawing a pair request for accepting the fund, be drawn according to the fund and pay request, it is determining
The amount of money is paid in drawing for each beneficiary account；
Payment funding module, for being drawn according to the fund after receiving the successful payment instruction of front end access system transmission
It pays request and described draw pays the amount of money, by the corresponding payment funding of the payment amount to the correspondence beneficiary account.
7. device according to claim 6, which is characterized in that the judgment module that accepts includes:
Limit searching unit, for searching the corresponding early warning value of the identification information in preset stroke pair of quota data library and stopping
Pay value；
Early warning value judging unit, for judging whether the total payoff amount of money is greater than the early warning value；
Request accepts unit, if being less than or equal to the early warning value for the payment amount, accepts the fund and draws a pair request；
First warning information generation unit generates the first warning letter if being greater than the early warning value for the total payoff amount of money
Breath, and first warning message is sent to the service management end；When receive that the service management end sends first
When confirmation instruction, judge the total payoff amount of money stops payment value described in whether being greater than；If the payment amount is less than or equal to described
Value is stopped payment, the fund is accepted and draws a pair request.
8. device according to claim 6, which is characterized in that it is described draw pay an amount of money determining module include:
It can draw and pay amount calculation unit, for adding the payment amount in the Transaction Information for corresponding to same beneficiary account
Together, the amount of money is paid as drawing for the beneficiary account；
It can draw and pay amount of money storage unit, for pair amount of money of drawing to be stored in the merchant information database pre-established.
9. device according to claim 8, which is characterized in that the payment funding module includes:
It can draw and pay remaining sum searching unit, for being looked into the merchant information database according to currently pending Transaction Information
Corresponding draw is looked for pay remaining sum；
It can draw and pay balance updates unit, for drawing the payment paid and deducted in currently pending Transaction Information in remaining sum described
The amount of money obtains updated draw and pays remaining sum；
It can draw and pay amount of money judging unit, for judging that whether updated draw pays the amount of money less than zero；
Payment funding unit, for if not, extremely by the corresponding payment funding of payment of balance in currently processed Transaction Information
Corresponding beneficiary account；
Second warning message generation unit is used for if so, generating the second warning message, and second warning message is sent
To the service management end；When receiving the second confirmation instruction that the service management end is sent, by currently processed transaction
The corresponding payment funding of payment of balance in information is to corresponding beneficiary account.
10. a kind of fund, which is drawn, pays realization device, which is characterized in that including memory and processor, wherein the memory is used for
One or more computer instruction is stored, one or more computer instruction is executed by the processor, to realize right
It is required that the described in any item methods of 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811450263.7A CN109559106A (en) | 2018-11-29 | 2018-11-29 | Fund, which is drawn, pays method, apparatus and realization device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811450263.7A CN109559106A (en) | 2018-11-29 | 2018-11-29 | Fund, which is drawn, pays method, apparatus and realization device |
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| Publication Number | Publication Date |
|---|---|
| CN109559106A true CN109559106A (en) | 2019-04-02 |
Family
ID=65868153
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811450263.7A Pending CN109559106A (en) | 2018-11-29 | 2018-11-29 | Fund, which is drawn, pays method, apparatus and realization device |
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| CN (1) | CN109559106A (en) |
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| CN110111095A (en) * | 2019-04-25 | 2019-08-09 | 银清科技(北京)有限公司 | Payment transaction judging method and payment system |
| CN110175832A (en) * | 2019-04-26 | 2019-08-27 | 阿里巴巴集团控股有限公司 | A kind of intermediate account Fund Supervision method, system and equipment |
| CN110414988A (en) * | 2019-07-25 | 2019-11-05 | 中国工商银行股份有限公司 | Method of payment, payment mechanism, equipment, storage medium and system |
| 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 |
| CN111815316A (en) * | 2020-07-08 | 2020-10-23 | 银联商务股份有限公司 | Own fund limit prediction method and device, electronic equipment and storage medium |
| CN111833036A (en) * | 2020-06-29 | 2020-10-27 | 中国建设银行股份有限公司 | Method, device, equipment and computer readable medium for judging repeated transactions |
| CN112132568A (en) * | 2020-08-27 | 2020-12-25 | 绿瘦健康产业集团有限公司 | Pre-payment processing method, device, medium and terminal equipment |
| CN112926763A (en) * | 2021-01-15 | 2021-06-08 | 远光软件股份有限公司 | Payment application scheduling method and device, storage medium and server |
| CN113535762A (en) * | 2021-07-14 | 2021-10-22 | 北京数码视讯支付技术有限公司 | Secure account payment substitution method and device |
| CN110532516B (en) * | 2019-08-23 | 2023-09-08 | 成都同创佳联科技有限公司 | Accounting method, device and system for digital asset transfer |
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| CN110111095A (en) * | 2019-04-25 | 2019-08-09 | 银清科技(北京)有限公司 | Payment transaction judging method and payment system |
| CN110175832A (en) * | 2019-04-26 | 2019-08-27 | 阿里巴巴集团控股有限公司 | A kind of intermediate account Fund Supervision method, system and equipment |
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| CN111833036B (en) * | 2020-06-29 | 2024-02-13 | 中国建设银行股份有限公司 | Method, apparatus, device and computer readable medium for judging repeat transaction |
| CN111815316A (en) * | 2020-07-08 | 2020-10-23 | 银联商务股份有限公司 | Own fund limit prediction method and device, electronic equipment and storage medium |
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| CN112926763A (en) * | 2021-01-15 | 2021-06-08 | 远光软件股份有限公司 | Payment application scheduling method and device, storage medium and server |
| CN113535762A (en) * | 2021-07-14 | 2021-10-22 | 北京数码视讯支付技术有限公司 | Secure account payment substitution method and device |
| CN113535762B (en) * | 2021-07-14 | 2024-01-26 | 北京数码视讯支付技术有限公司 | Secure account payment method and device |
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