CN110009351A - Method and apparatus for generation hair verification - Google Patents
Method and apparatus for generation hair verification Download PDFInfo
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- CN110009351A CN110009351A CN201910250598.2A CN201910250598A CN110009351A CN 110009351 A CN110009351 A CN 110009351A CN 201910250598 A CN201910250598 A CN 201910250598A CN 110009351 A CN110009351 A CN 110009351A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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Abstract
The purpose of the application is to provide a kind of method and apparatus of generation hair verification.Compared with prior art, the application passes through when meeting preset condition, verify whether beneficiary therein is put on record based on settlement of exchange transaction data, and when the beneficiary is not put on record, the corresponding record information of the beneficiary is generated based on the settlement of exchange transaction data, to realize fund generation hair to corresponding beneficiary based on the record information, in this way, it can guarantee that the main body of declaring of settlement of exchange business sends out practical beneficiary with domestic generation and matches, can not be traced so as to avoid fund and the case where wash sale.
Description
Technical field
This application involves field of computer technology more particularly to a kind of technologies for generation hair verification.
Background technique
In the prior art, settlement of exchange business is not limited usually for settlement of exchange business when progress international revenue and expenditure reduction is declared
Main body be dealt into the main body of domestic collecting account with generation and match, i.e., settlement of exchange business is after completing international revenue and expenditure and declaring, for state
The practical beneficiary of Nei Daifa does not have any restrictions, and this mode may cause not to be inconsistent in fund practical use and true sale background
The problem of, fund can not be traced and be matched, it is also possible to which the case where there are wash sales, therefore, this problem is urgently to be resolved.
Summary of the invention
The purpose of the application is to provide a kind of method and apparatus for generation hair verification.
According to the one aspect of the application, a kind of method for generation hair verification is provided, payment platform is applied to, it is special
Sign is, which comprises
Settlement of exchange transaction data is obtained, the settlement of exchange transaction data includes beneficiary account；
Verify whether the beneficiary account puts on record；
If the beneficiary account has been put on record, put on record based on the settlement of exchange transaction data the beneficiary account is corresponding
Increase corresponding settlement of exchange amount information in information, to realize fund generation to the beneficiary account based on the settlement of exchange amount information
Hair.The accuracy that can ensure fund generation hair amount in this way, so that it is guaranteed that the interests of trade company.
Further, wherein the method also includes:
If the beneficiary account is not put on record, it is corresponding standby that the beneficiary account is generated based on the settlement of exchange transaction data
Case information, to realize fund generation hair to the beneficiary based on the record information and the settlement of exchange amount information.By this
Mode can guarantee that the main body of declaring of settlement of exchange business matches with the practical beneficiary of domestic generation hair, and ensure fund generation hair amount
Accuracy.
Further, wherein the method also includes:
After receiving about the beneficiary account for sending instructions, fund is realized to the corresponding beneficiary account
Dai Fa.This mode realizes fund generation hair by instruction triggers, the mistake hair that the fund that prevents occurs automatically.
Further, wherein described to realize that fund generation hair includes: to the corresponding beneficiary
Based on the corresponding record information of the beneficiary account, the beneficiary account and corresponding fund Dai Fae are verified
Spend information；
When being verified, amount information is sent out to the corresponding gathering based on the beneficiary account and corresponding fund generation
Square account realizes fund generation hair.This mode can just realize fund generation hair after being verified, it is ensured that the safety of fund generation hair
Property.
Further, wherein the method also includes: it receives the settlement of exchange that financial institution sends and successfully instructs；Based on described
It settles the exchange and successfully instructs, obtain settlement of exchange transaction data.By settling the exchange, successfully instruction can more quickly get settlement of exchange transaction data,
Improve treatment effeciency.
Further, wherein include based on the successfully instruction acquisition settlement of exchange transaction data of settling the exchange when described:
Acquisition, which is settled the exchange, successfully instructs corresponding settlement of exchange application instruction；Wherein, the settlement of exchange application instruction is based on settlement of exchange transaction
Data generate；
Apply instructing based on the settlement of exchange, determines settlement of exchange transaction data.This mode is not wrapped directly when settling the exchange successfully to instruct
When the transaction data containing settlement of exchange, it can will be obtained by obtaining corresponding settlement of exchange application instruction, to ensure the accuracy of data.
Further, wherein the record information includes at least: beneficiary attribute information；Total settlement of exchange amount information and/or
Single settlement of exchange amount information.Beneficiary and corresponding amount information can be accurately determined by the record information.
According to the another aspect of the application, a kind of computer-readable medium is additionally provided, is stored thereon with computer-readable
Instruction, the computer-readable instruction can be executed by processor to realize preceding method.
According to the application's in another aspect, additionally providing a kind of equipment for generation hair verification, wherein the equipment includes:
One or more processors；And
It is stored with the memory of computer-readable instruction, the computer-readable instruction makes the processor when executed
Execute the operation of preceding method.
Compared with prior art, for the application by obtaining settlement of exchange transaction data, the settlement of exchange transaction data includes beneficiary
Account, then verifies whether the beneficiary account puts on record, if the beneficiary account has been put on record, is based on the settlement of exchange number of deals
According to corresponding settlement of exchange amount information is increased in the corresponding record information of the beneficiary account, to be believed based on the settlement of exchange amount
It ceases to the beneficiary account and realizes fund generation hair, in this way, can guarantee settlement of exchange business declares main body and the country
In generation, sends out practical beneficiary and matches, and can not trace so as to avoid fund and the case where wash sale.
Moreover, the application can also be based on the corresponding record information of the beneficiary account, verify the beneficiary account and
Corresponding fund generation hair amount information, when being verified, based on the beneficiary account and corresponding fund generation hair amount information
Fund generation hair is realized to the corresponding beneficiary account.In this way, it can be ensured that beneficiary and fund Dai Fae
The case where accuracy of degree, the fund that avoids the occurrence of misses generation hair.
Detailed description of the invention
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, of the invention other
Feature, objects and advantages will become more apparent upon:
Fig. 1 shows a kind of method flow diagram for generation hair verification according to the application one aspect；
Fig. 2 shows the processes for the entire operation flow for according to the realization of one preferred embodiment of the application including generation hair verification
Schematic diagram；
Fig. 3 shows a kind of equipment schematic diagram for generation hair verification according to the application other side.
The same or similar appended drawing reference represents the same or similar component in attached drawing.
Specific embodiment
Present invention is further described in detail with reference to the accompanying drawing.
In a typical configuration of this application, terminal, the equipment of service network and trusted party include one or more
Processor (CPU), input/output interface, network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or
Any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, computer
Readable medium does not include non-temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It is with reference to the accompanying drawing and preferably real for the effect for further illustrating technological means and acquirement that the application is taken
Example is applied, to the technical solution of the application, carries out clear and complete description.
Fig. 1 shows a kind of method flow diagram for generation hair verification that the application provides on one side.This method is in equipment 1
Upper execution is applied to payment platform, method includes the following steps:
S11 obtains settlement of exchange transaction data, and the settlement of exchange transaction data includes beneficiary account；
S12 verifies whether the beneficiary account puts on record；
It is corresponding in the beneficiary account based on the settlement of exchange transaction data if the S13 beneficiary account has been put on record
Increase corresponding settlement of exchange amount information in record information, is provided with being realized based on the settlement of exchange amount information to the beneficiary account
Jin Dynasty hair.
In this embodiment, in the step S11, equipment 1 obtains settlement of exchange transaction data, the settlement of exchange transaction data package
Include beneficiary account.Here, the equipment 1 includes but is not limited to computer, network host, single network server, multiple nets
The cloud that network server set or multiple servers are constituted；Here, cloud is by a large amount of calculating based on cloud computing (Cloud Computing)
Machine or network server are constituted, wherein cloud computing is one kind of distributed computing, is made of the computer set of a group loose couplings
A virtual supercomputer.
Wherein, the settlement of exchange transaction data is financial institution to the information settled the exchange, the settlement of exchange transaction data package
It includes but is not limited to: transaction amount information, beneficiary relevant information, order number etc..The settlement of exchange transaction data can be described
The generation when carrying out settlement of exchange application to corresponding financial institution of equipment 1, so that corresponding financial institution is traded based on the settlement of exchange
Data carry out settlement of exchange processing, and specifically, financial institution can first verify settlement of exchange transaction data, are then based on and wherein correspond to
Transaction amount information by corresponding capital settlement to the account of the equipment 1.
Wherein, settlement of exchange transaction data can be generated based on the order information of user, for example, if the corresponding platform of equipment 1 and
Businessman cooperates, and when overseas user logs in single under shopping platform overseas, can generate order information and be sent to businessman, Shang Jiahui
Application of settling the exchange is sent to the corresponding platform of equipment 1, wherein includes order information in settlement of exchange application, the equipment 1 can be based on ordering
Single information generates settlement of exchange transaction data, and is sent to corresponding financial institution, for example, the silver of platform cooperation corresponding with equipment 1
Row is settled the exchange.
Preferably, wherein the settlement of exchange transaction data that obtains includes: receiving the settlement of exchange that financial institution sends and successfully instructs；
Settlement of exchange transaction data is obtained based on the successfully instruction of settling the exchange.Specifically, financial institution is after settling the exchange successfully, Xiang Suoshu equipment 1
Transmission, which is settled the exchange, successfully to be instructed, and therefore can be based on financial institution comprising the settlement of exchange transaction data in the successfully instruction of settling the exchange
The combination of transmission is successfully instructed comprising settlement of exchange transaction data.
Preferably, described to include based on the successfully instruction acquisition settlement of exchange transaction data of settling the exchange:
Acquisition, which is settled the exchange, successfully instructs corresponding settlement of exchange application instruction；Wherein, the settlement of exchange application instruction is based on settlement of exchange transaction
Data generate；Apply for that instruction determines settlement of exchange transaction data based on the settlement of exchange.In this embodiment, it is not wrapped when settling the exchange successfully to instruct
The transaction data containing settlement of exchange is also based on the successfully instruction of settling the exchange and finds corresponding settlement of exchange application instruction, then passes through the settlement of exchange
Application instruction determines settlement of exchange transaction data.
Continue in this embodiment, in the step S12, equipment 1 verifies whether the beneficiary account puts on record.Specifically
Verification mode can by carrying out matched and searched in the device 1, for example, in local search whether there is the beneficiary account
Number, when there are the beneficiary accounts, then the beneficiary account has been put on record, is illustrated if not there is no the beneficiary account not standby
Case.
In this embodiment, the opportunity that beneficiary is put on record can be realized according to preset condition, for example, the equipment 1
Can be after the settlement of exchange for receiving financial institution's transmission successfully instruct, then verify whether beneficiary is put on record, i.e., it is incited somebody to action in financial institution
After capital settlement to the corresponding platform of the equipment 1, then the beneficiary for needing generation hair is verified, it in this way can be with
Improve entire settlement of exchange and the efficiency for hair.
In addition, the opportunity of putting on record for beneficiary can also be after equipment 1 obtains settlement of exchange transaction data, just verifying is collected money
Whether side puts on record, in this way can be in the situation of putting on record that just can determine beneficiary at the first time.
Preferably, wherein when the preset condition include receive financial institution transmission settlement of exchange successfully instruct, the side
Method further include: receive the settlement of exchange that the financial institution applies for that instruction returns based on settlement of exchange and successfully instruct；It is settled the exchange successfully based on described
Corresponding settlement of exchange application instruction is instructed, determines settlement of exchange transaction data.
In this embodiment, to beneficiary put on record verification opportunity be when receive the settlement of exchange of financial institution's transmission at
Function instruction, i.e., when receiving the instruction, the corresponding financial institution corresponding capital settlement of amount that will settle the exchange is corresponding to equipment 1
Platform, wherein the financial institution is settled the exchange after the settlement of exchange application instruction for receiving the transmission of equipment 1, therefore, passes through knot
Corresponding settlement of exchange application instruction can be found by converging into function instruction, wherein and it include transaction data of settling the exchange in the settlement of exchange application instruction,
So as to determine settlement of exchange transaction data by settlement of exchange application instruction.
In this application, the relevant information for referring to beneficiary of putting on record is in the presence of storage record, meeting after beneficiary is put on record
It is stored with corresponding record information, it is preferable that wherein, the record information includes but is not limited to: beneficiary attribute information；It summarizes
Remittance amount information and/or single settlement of exchange amount information.Wherein, the attribute information of beneficiary includes but is not limited to: the beneficiary
Authentication information；The shroff account number information of the beneficiary, for example, attribute information includes but is not limited to name on account, card
Part type, passport NO., Bank Name, subbranch's title of opening an account, bank's card number, phone number etc..The record information may be used also
To include put on record number, creation time, account status information, customer type, province, city etc..Wherein, single settlement of exchange amount
Refer to corresponding amount information after the completion of settlement of exchange each time, total amount information of settling the exchange refers to total amount letter after the completion of repeatedly settlement of exchange
Breath.
Specifically, the mode whether beneficiary therein is put on record is verified based on settlement of exchange transaction data, can be handed over by settlement of exchange
Relevant information related with beneficiary is matched in stored record information in easy data, for example, can be by that will receive
The corresponding account information in money side is matched with the account in stored record information, sees that whether can to find this corresponding
Account illustrates that the beneficiary has been put on record if finding.Alternatively, in order to which matched accuracy is higher, it can also be by the more of beneficiary
A relevant information is matched in stored record information, when multiple relevant informations all match, just determines the gathering
Side has put on record.Here, above-mentioned verified the mode whether beneficiary therein is put on record and be only for example based on settlement of exchange transaction data, other
Verification mode that is existing or being likely to occur from now on, being such as suitable for the application should also be included in the protection scope of the application,
Here, being incorporated herein by reference.
Continue in this embodiment, in the step S13, if the beneficiary account has been put on record, is based on the settlement of exchange
Transaction data increases corresponding settlement of exchange amount information in the corresponding record information of the beneficiary account, to be based on the settlement of exchange
Amount information realizes fund generation hair to the beneficiary account.
In this embodiment, if detecting, the beneficiary has been put on record, can increase this settlement of exchange volume in record information
Information is spent, for the beneficiary account put on record for the first time, this increased settlement of exchange amount information is the total settlement of exchange volume of the beneficiary
Spend information.For the non-beneficiary account put on record for the first time, this can be further added by the basis of original total settlement of exchange amount information
Settlement of exchange amount information.
Preferably, wherein the method also includes S14 (not shown), when the beneficiary account is not put on record, the equipment
1 generates the corresponding record information of the beneficiary account based on the settlement of exchange transaction data, to be based on the record information and institute
It states settlement of exchange amount information and realizes fund generation hair to the beneficiary account.
If equipment 1 detects that beneficiary account is not put on record, can be based in settlement of exchange transaction data and beneficiary account phase
The information of pass generates the corresponding record information of the beneficiary account and settlement of exchange amount information, thus in the fund of realization generation hair
When, it can be realized based on the record information and settlement of exchange amount information.
Preferably, the method also includes: S15 (not shown) when equipment 1 receives the generation about the beneficiary account
After sending instructions, fund generation hair is realized to the corresponding beneficiary account.
In this embodiment, wherein the generation sends instructions including corresponding beneficiary account information, to trigger to described
Beneficiary account carries out fund generation hair, here, the triggering that the generation sends instructions can be by platform cooperation corresponding with equipment 1
Businessman realizes.Wherein, the generation sends instructions can trigger after the account of beneficiary settles the exchange amount increase.Preferably,
The generation sends instructions account information and/or fund generation hair amount information including beneficiary specifically can be based on fund generation hair
In corresponding fund generation, is dealt into corresponding beneficiary by amount information.
Preferably, wherein described to realize that fund generation hair includes: based on the beneficiary to the corresponding beneficiary account
The corresponding record information of account verifies the corresponding account of the beneficiary and corresponding fund generation hair amount information；When verifying is logical
It crosses, fund generation is realized to the corresponding beneficiary account based on the beneficiary account and corresponding fund generation hair amount information
Hair.
In this embodiment, it can first be verified before carrying out fund generation hair to beneficiary account, specifically, due to
The attribute information and settlement of exchange amount information of beneficiary have been stored in record information, therefore, the present age send instructions in comprising beneficiary
Account and corresponding fund generation hair amount when, can by generation send instructions in beneficiary account and corresponding fund generation hair amount with
Beneficiary account and fund generation hair amount are compared in record information, when beneficiary account is consistent, and the money in record information
When Jin Dynasty hair amount is not less than for the fund in sending instructions for hair amount, show to be verified.
Further, equipment 1 can based on the corresponding account of the beneficiary and corresponding fund generation hair amount information to
The corresponding beneficiary account realizes fund generation hair, i.e., by corresponding capital settlement to beneficiary.
As shown in Fig. 2, realization includes the entire Business Stream of generation hair verification in the preferred embodiment of the application
Journey, main three parts: settlement of exchange process flow, collecting account put on record and fund generation hair process.
For process flow part of settling the exchange, user overseas is related generally to, platform trade company, platform and cooperative bank, overseas
User can be placed an order by logging in shopping platform selective purchase overseas, and order managing detailed catalogue is then sent to platform trade company, is led to
Settlement of exchange transaction data can be extracted by crossing the order detail, and platform trade company can initiate to tie after receiving the order managing detailed catalogue to platform
It converges, namely submits settlement of exchange request to platform, then the corresponding instruction of the request is sent to cooperative bank by platform, further,
Cooperative bank sends settlement of exchange transaction details file to platform, and carries out transaction details anti money washing screening, then feeds back and sieves to platform
Come to an end fruit.Then, platform initiates settlement of exchange application to cooperative bank, and submits the bright corresponding relationship file of transaction, correspondingly, cooperation silver
Row receives the settlement of exchange application, and carries out verification and by capital settlement to platform account, it is preferable that cooperative bank can also Xiang Pingtai
Return, which is settled the exchange, successfully to be instructed, so that processing terminate for settlement of exchange.
Put on record the stage in collecting account, platform is after the settlement of exchange for receiving bank successfully instructs, in the transaction data that can settle the exchange
Beneficiary account is verified, to determine whether the beneficiary account puts on record, if the beneficiary account has been put on record, based on described
Settlement of exchange transaction data increases corresponding settlement of exchange amount information in the corresponding record information of the beneficiary account；If the gathering
Square account is not put on record, the corresponding record information of the beneficiary account is generated based on the settlement of exchange transaction data, based on described
Record information and the settlement of exchange amount information realize fund generation hair to the beneficiary.
For fund generation hair flow stages, after receiving about the beneficiary account for sending instructions, based on described
The corresponding record information of beneficiary account verifies the beneficiary account and corresponding fund generation hair amount information, when verifying is logical
It crosses, fund generation is realized to the corresponding beneficiary account based on the beneficiary account and corresponding fund generation hair amount information
It sends out and returns to generation hair successful information；When verifying does not pass through, in return generation, sends out failure information.
Compared with prior art, for the application by obtaining settlement of exchange transaction data, the settlement of exchange transaction data includes beneficiary
Account, then verifies whether the beneficiary account puts on record, if the beneficiary account has been put on record, is based on the settlement of exchange number of deals
According to corresponding settlement of exchange amount information is increased in the corresponding record information of the beneficiary account, to be believed based on the settlement of exchange amount
It ceases to the beneficiary account and realizes fund generation hair, in this way, can guarantee settlement of exchange business declares main body and the country
In generation, sends out practical beneficiary and matches, and can not trace so as to avoid fund and the case where wash sale.
Moreover, the application can also be based on the corresponding record information of the beneficiary account, verify the beneficiary account and
Corresponding fund generation hair amount information, when being verified, based on the beneficiary account and corresponding fund generation hair amount information
Fund generation hair is realized to the corresponding beneficiary account.In this way, it can be ensured that beneficiary and fund Dai Fae
The case where accuracy of degree, the fund that avoids the occurrence of misses generation hair.
In addition, it is stored thereon with computer-readable instruction the embodiment of the present application also provides a kind of computer-readable medium,
The computer-readable instruction can be executed by processor to realize preceding method.
The embodiment of the present application also provides a kind of equipment for generation hair verification, wherein the equipment includes:
One or more processors；And
It is stored with the memory of computer-readable instruction, the computer-readable instruction makes the processor when executed
Execute the operation of preceding method.
For example, computer-readable instruction makes one or more of processors when executed: settlement of exchange transaction data is obtained,
The settlement of exchange transaction data includes beneficiary account；Verify whether the beneficiary account puts on record；If the beneficiary account is
Put on record, increases corresponding settlement of exchange amount letter in the corresponding record information of the beneficiary account based on the settlement of exchange transaction data
Breath, to realize fund generation to the beneficiary account based on the settlement of exchange amount information.
Fig. 3 shows a kind of equipment schematic diagram for generation hair verification that the application provides on the other hand., which includes
Following device:
First device 11, for obtaining settlement of exchange transaction data, the settlement of exchange transaction data includes beneficiary account；
Second device 12, for verifying whether the beneficiary account puts on record；
3rd device 13, if having put on record for the beneficiary account, based on the settlement of exchange transaction data in the gathering
Increase corresponding settlement of exchange amount information in the corresponding record information of square account, with based on the settlement of exchange amount information to the gathering
Square account realizes fund generation hair.
In this embodiment, the first device 11 of equipment 1 obtains settlement of exchange transaction data, and the settlement of exchange transaction data includes receiving
Money side's account.Here, the equipment 1 includes but is not limited to computer, network host, single network server, multiple networks clothes
The cloud for device collection or the multiple servers composition of being engaged in；Here, cloud by based on cloud computing (Cloud Computing) a large amount of computers or
Network server is constituted, wherein and cloud computing is one kind of distributed computing, consisting of a loosely coupled set of computers one
A virtual supercomputer.
Wherein, the settlement of exchange transaction data is financial institution to the information settled the exchange, the settlement of exchange transaction data package
It includes but is not limited to: transaction amount information, beneficiary relevant information, order number etc..The settlement of exchange transaction data can be described
The generation when carrying out settlement of exchange application to corresponding financial institution of equipment 1, so that corresponding financial institution is traded based on the settlement of exchange
Data carry out settlement of exchange processing, and specifically, financial institution can first verify settlement of exchange transaction data, are then based on and wherein correspond to
Transaction amount information by corresponding capital settlement to the account of the equipment 1.
Wherein, settlement of exchange transaction data can be generated based on the order information of user, for example, if the corresponding platform of equipment 1 and
Businessman cooperates, and when overseas user logs in single under shopping platform overseas, can generate order information and be sent to businessman, Shang Jiahui
Application of settling the exchange is sent to the corresponding platform of equipment 1, wherein includes order information in settlement of exchange application, the equipment 1 can be based on ordering
Single information generates settlement of exchange transaction data, and is sent to corresponding financial institution, for example, the silver of platform cooperation corresponding with equipment 1
Row is settled the exchange.
Preferably, wherein the settlement of exchange transaction data that obtains includes: receiving the settlement of exchange that financial institution sends and successfully instructs；
Settlement of exchange transaction data is obtained based on the successfully instruction of settling the exchange.Specifically, financial institution is after settling the exchange successfully, Xiang Suoshu equipment 1
Transmission, which is settled the exchange, successfully to be instructed, and therefore can be based on financial institution comprising the settlement of exchange transaction data in the successfully instruction of settling the exchange
The combination of transmission is successfully instructed comprising settlement of exchange transaction data.
Preferably, described to include based on the successfully instruction acquisition settlement of exchange transaction data of settling the exchange:
Acquisition, which is settled the exchange, successfully instructs corresponding settlement of exchange application instruction；Wherein, the settlement of exchange application instruction is based on settlement of exchange transaction
Data generate；Apply for that instruction determines settlement of exchange transaction data based on the settlement of exchange.In this embodiment, it is not wrapped when settling the exchange successfully to instruct
The transaction data containing settlement of exchange is also based on the successfully instruction of settling the exchange and finds corresponding settlement of exchange application instruction, then passes through the settlement of exchange
Application instruction determines settlement of exchange transaction data.
Continue in this embodiment, the second device 12 of equipment 1 verifies whether the beneficiary account puts on record.Specific school
Proved recipe formula can be by carrying out matched and searched in 12 equipment 1 of second device, for example, search whether there is the receipts in local
Money side's account, when there are the beneficiary accounts, then the beneficiary account has been put on record, is illustrated if not there is no the beneficiary account
Do not put on record.
In this embodiment, the opportunity that beneficiary is put on record can be realized according to preset condition, for example, the equipment 1
Second device 12 then can verify whether beneficiary is put on record, i.e., after the settlement of exchange for receiving financial institution's transmission successfully instructs
It verifies, passes through after financial institution is by capital settlement to the corresponding platform of the equipment 1, then to the beneficiary for needing generation hair
Entire settlement of exchange and the efficiency for hair can be improved in this mode.
In addition, the opportunity of putting on record for beneficiary can also be after equipment 1 obtains settlement of exchange transaction data, described second is filled
It sets 12 and just verifies whether beneficiary is put on record, it in this way can be in the situation of putting on record that just can determine beneficiary at the first time.
Preferably, wherein when the preset condition include receive financial institution transmission settlement of exchange successfully instruct, the side
Method further include: receive the settlement of exchange that the financial institution applies for that instruction returns based on settlement of exchange and successfully instruct；It is settled the exchange successfully based on described
Corresponding settlement of exchange application instruction is instructed, determines settlement of exchange transaction data.
In this embodiment, to beneficiary put on record verification opportunity be when receive the settlement of exchange of financial institution's transmission at
Function instruction, i.e., when receiving the instruction, the corresponding financial institution corresponding capital settlement of amount that will settle the exchange is corresponding to equipment 1
Platform, wherein the financial institution is settled the exchange after the settlement of exchange application instruction for receiving the transmission of equipment 1, therefore, passes through knot
Corresponding settlement of exchange application instruction can be found by converging into function instruction, wherein and it include transaction data of settling the exchange in the settlement of exchange application instruction,
So as to determine settlement of exchange transaction data by settlement of exchange application instruction.
In this application, the relevant information for referring to beneficiary of putting on record is in the presence of storage record, meeting after beneficiary is put on record
It is stored with corresponding record information, it is preferable that wherein, the record information includes but is not limited to: beneficiary attribute information；It summarizes
Remittance amount information and/or single settlement of exchange amount information.Wherein, the attribute information of beneficiary includes but is not limited to: the beneficiary
Authentication information；The shroff account number information of the beneficiary, for example, attribute information includes but is not limited to name on account, card
Part type, passport NO., Bank Name, subbranch's title of opening an account, bank's card number, phone number etc..The record information may be used also
To include put on record number, creation time, account status information, customer type, province, city etc..Wherein, single settlement of exchange amount
Refer to corresponding amount information after the completion of settlement of exchange each time, total amount information of settling the exchange refers to total amount letter after the completion of repeatedly settlement of exchange
Breath.
Specifically, the mode whether beneficiary therein is put on record is verified based on settlement of exchange transaction data, can be handed over by settlement of exchange
Relevant information related with beneficiary is matched in stored record information in easy data, for example, can be by that will receive
The corresponding account information in money side is matched with the account in stored record information, sees that whether can to find this corresponding
Account illustrates that the beneficiary has been put on record if finding.Alternatively, in order to which matched accuracy is higher, it can also be by the more of beneficiary
A relevant information is matched in stored record information, when multiple relevant informations all match, just determines the gathering
Side has put on record.Here, above-mentioned verified the mode whether beneficiary therein is put on record and be only for example based on settlement of exchange transaction data, other
Verification mode that is existing or being likely to occur from now on, being such as suitable for the application should also be included in the protection scope of the application,
Here, being incorporated herein by reference.
Continue in this embodiment, if the beneficiary account has been put on record, the 3rd device of the equipment 1 is used to be based on institute
It states settlement of exchange transaction data and increases corresponding settlement of exchange amount information in the corresponding record information of the beneficiary account, to be based on institute
It states settlement of exchange amount information and realizes fund generation hair to the beneficiary account.
In this embodiment, if the 3rd device 13 detects that the beneficiary has been put on record, can increase in record information
The settlement of exchange amount information for adding this, for the beneficiary account put on record for the first time, it is increased this settlement of exchange amount information be the receipts
The total settlement of exchange amount information in money side.It, can be in the base of original total settlement of exchange amount information for the non-beneficiary account put on record for the first time
This settlement of exchange amount information is further added by plinth.
Preferably, wherein the equipment further include: 14 (not shown) of the 4th device, for working as the beneficiary account not
Put on record, the 4th device 14 of the equipment 1 is based on the settlement of exchange transaction data and generates the corresponding letter of putting on record of the beneficiary account
Breath, to realize fund generation hair to the beneficiary account based on the record information and the settlement of exchange amount information.
If equipment 1 detects that beneficiary account is not put on record, the 4th device 14 can be based in settlement of exchange transaction data and receipts
Account relevant information in money side's generates the corresponding record information of the beneficiary account and settlement of exchange amount information, thus realizing
When fund generation hair, it can be realized based on the record information and settlement of exchange amount information.
Preferably, the equipment further include: 14 (not shown) of the 5th device, which is worked as, to be used to receive about the beneficiary account
Number generation send instructions after, realize fund generation hair to the corresponding beneficiary account.
In this embodiment, wherein the generation sends instructions including corresponding beneficiary account information, to trigger to described
Beneficiary account carries out fund generation hair, here, the triggering that the generation sends instructions can be by platform cooperation corresponding with equipment 1
Businessman realizes.Wherein, the generation sends instructions can trigger after the account of beneficiary settles the exchange amount increase.Preferably,
The generation sends instructions account information and/or fund generation hair amount information including beneficiary specifically can be based on fund generation hair
In corresponding fund generation, is dealt into corresponding beneficiary by amount information.
Preferably, wherein described to realize that fund generation hair includes: based on the beneficiary to the corresponding beneficiary account
The corresponding record information of account verifies the corresponding account of the beneficiary and corresponding fund generation hair amount information；When verifying is logical
It crosses, fund generation is realized to the corresponding beneficiary account based on the beneficiary account and corresponding fund generation hair amount information
Hair.
In this embodiment, it can first be verified before carrying out fund generation hair to beneficiary account, specifically, due to
The attribute information and settlement of exchange amount information of beneficiary have been stored in record information, therefore, the present age send instructions in comprising beneficiary
Account and corresponding fund generation hair amount when, can by generation send instructions in beneficiary account and corresponding fund generation hair amount with
Beneficiary account and fund generation hair amount are compared in record information, when beneficiary account is consistent, and the money in record information
When Jin Dynasty hair amount is not less than for the fund in sending instructions for hair amount, show to be verified.
Further, equipment 1 can based on the corresponding account of the beneficiary and corresponding fund generation hair amount information to
The corresponding beneficiary account realizes fund generation hair, i.e., by corresponding capital settlement to beneficiary.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included in the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.This
Outside, it is clear that one word of " comprising " does not exclude other units or steps, and odd number is not excluded for plural number.That states in device claim is multiple
Unit or device can also be implemented through software or hardware by a unit or device.The first, the second equal words are used to table
Show title, and does not indicate any particular order.
Claims (9)
1. a kind of method for generation hair verification, is applied to payment platform, which is characterized in that the described method includes:
Settlement of exchange transaction data is obtained, the settlement of exchange transaction data includes beneficiary account；
Verify whether the beneficiary account puts on record；
If the beneficiary account has been put on record, based on the settlement of exchange transaction data in the corresponding record information of the beneficiary account
It is middle to increase corresponding settlement of exchange amount information, to realize fund generation hair to the beneficiary account based on the settlement of exchange amount information.
2. according to the method described in claim 1, wherein, the method also includes:
If the beneficiary account is not put on record, the corresponding letter of putting on record of the beneficiary account is generated based on the settlement of exchange transaction data
Breath, to realize fund generation hair to the beneficiary account based on the record information and the settlement of exchange amount information.
3. according to the method described in claim 2, wherein, the method also includes:
After receiving about the beneficiary account for sending instructions, fund generation is realized to the corresponding beneficiary account
Hair.
4. described to realize that fund generation gives out a contract for a project to the corresponding beneficiary account according to the method described in claim 3, wherein
It includes:
Based on the corresponding record information of the beneficiary account, the beneficiary account and corresponding fund generation hair amount letter are verified
Breath；
When being verified, amount information is sent out to the corresponding beneficiary account based on the beneficiary account and corresponding fund generation
Number realize fund generation hair.
5. method according to claim 1 to 4, wherein the acquisition settlement of exchange transaction data includes:
The settlement of exchange that financial institution sends is received successfully to instruct；
Settlement of exchange transaction data is obtained based on the successfully instruction of settling the exchange.
6. described to obtain transaction data package of settling the exchange based on the successfully instruction of settle the exchange according to the method described in claim 5, wherein
It includes:
Acquisition, which is settled the exchange, successfully instructs corresponding settlement of exchange application instruction；Wherein, the settlement of exchange application instruction is based on settlement of exchange transaction data
It generates；Apply instructing based on the settlement of exchange, determines settlement of exchange transaction data.
7. method according to any one of claim 1 to 6, wherein the record information includes at least:
Beneficiary attribute information；
Total settlement of exchange amount information and/or single settlement of exchange amount information.
8. a kind of computer-readable medium, is stored thereon with computer-readable instruction, the computer-readable instruction can be processed
Device is executed to realize the method as described in any one of claims 1 to 7.
9. a kind of equipment for generation hair verification, wherein the equipment includes:
One or more processors；And
It is stored with the memory of computer-readable instruction, the computer-readable instruction when executed executes the processor
Such as the operation of any one of claims 1 to 7 the method.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910250598.2A CN110009351A (en) | 2019-03-29 | 2019-03-29 | Method and apparatus for generation hair verification |
| PCT/CN2020/082132 WO2020200172A1 (en) | 2019-03-29 | 2020-03-30 | Method and device for checking payments-on-behalf-of |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910250598.2A CN110009351A (en) | 2019-03-29 | 2019-03-29 | Method and apparatus for generation hair verification |
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| Publication Number | Publication Date |
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| CN110009351A true CN110009351A (en) | 2019-07-12 |
Family
ID=67169011
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910250598.2A Pending CN110009351A (en) | 2019-03-29 | 2019-03-29 | Method and apparatus for generation hair verification |
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| Country | Link |
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| CN (1) | CN110009351A (en) |
| WO (1) | WO2020200172A1 (en) |
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