CN110415097B - Money order splitting and merging system and method for realizing money order transaction - Google Patents
Money order splitting and merging system and method for realizing money order transaction Download PDFInfo
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Abstract
The invention relates to the technical field of networks, in particular to a money order splitting and combining system and a method for realizing money order transaction, which comprises a money order splitting system, a money order combining system based on the money order splitting system and a method for realizing the money order transaction, which can divide the total amount corresponding to the money order and use it for free transaction between accounts through the system, and after dividing and transaction, also can combine the parts which belong to the same original coded draft and are obtained by different splits under the same account, simplifies the transaction flow, facilitates the management of the draft under the account, namely, the free control of the draft in the collection and payment of the user is realized through the splitting and the combination, the circulation of the draft is more convenient, and the method can not bring loss to users, and effectively solves the problems that the currency is poor or the interest of a ticket holder is damaged during circulation because the current money order can only be used in a whole transaction according to the ticket amount.
Description
Technical Field
The invention relates to the technical field of networks, in particular to a money order splitting and combining system and a method for realizing money order transaction.
Background
The draft is issued by a drawer and used for entrusting a payer to pay a determined amount to a payee or a ticket holder unconditionally when the payer sees the draft or on a specified date, and comprises a bank acceptance draft and a commercial acceptance draft, which are hereinafter referred to as drafts.
Money orders have major limitations in use: the device can be only used for the whole transaction according to the ticket amount, and cannot be detached and disassembled for use, so that the circulation efficiency is low.
For convenient distribution, either applying for the ticket to be removed from the bank or obtaining cash by cash withdrawal are inconvenient and detract from the interests of the bearer.
Disclosure of Invention
According to the defects of the prior art, the invention provides a system for splitting and combining the drafts and a method for realizing the transaction of the drafts, which effectively solve the problems of poor circulation or loss of the benefit of a ticket holder during circulation caused by that the drafts can only be used in a whole transaction according to the bill amount in the circulation.
The technical scheme adopted by the invention for solving the technical problems is as follows: the invention provides a remittance bill splitting and merging system and a method for realizing remittance bill transaction, comprising a bill information input module, a bill coding module and a bill splitting module;
(1) the bill information input module provides a user interface for a user to input a payment request and receive all transaction records transmitted through a network, and the bill information input module also provides an interface to be directly butted with a bank, or the interface is butted with a third party payment platform or a non-bank financial institution and indirectly butted with the bank through the third party payment platform or the non-bank financial institution, and is used for acquiring related information of a draft with an original code through interaction with the bank and recording and storing the related information in a database, wherein the original code of the draft is the code of the draft in the bank;
(2) The bill coding module is used for compiling an internal ticket number for the corresponding draft with the original code in the system, and the internal ticket number is used when transfer payment is carried out between an expenditure account and an income account;
(3) the bill splitting module comprises a splitting unit and a balance calculating unit, wherein the splitting unit splits the corresponding money orders under the expenditure account according to the payment amount in the payment request input by the user to obtain sub-bills for paying to the income account and money orders left in the expenditure account as balance, and calls the bill coding module to compile new internal ticket numbers for the sub-bills, wherein the original internal ticket numbers of the money orders as the balance in the expenditure account are not compiled into the new internal ticket numbers; the balance calculating unit is used for calculating the amount corresponding to the money order as the balance in the expenditure account.
The system further comprises a data recording module, wherein the step data recording module is used for recording the corresponding data information of each operation step of the original data and the expenditure account and the income account.
The system further comprises an acceptance module, wherein the acceptance module provides an interface to be directly butted with a bank, or provides an interface to be butted with a third-party payment platform or a non-bank financial institution and indirectly butted with the bank through the third-party payment platform or the non-bank financial institution, and the acceptance module is used for realizing the internal bill number draft of the account in the system through the acceptance module after the corresponding draft is realized in the acceptance period of the bank, namely directly carrying out the operation of checking accounts with the bank through the interface or indirectly carrying out the operation of checking accounts with the bank through the third-party payment platform or the non-bank financial institution.
A draft merging system based on a draft splitting system comprises a draft receiving module, wherein the draft receiving module specifically comprises an information comparison unit and an information merging unit, the information comparison unit inquires original codes of drafts corresponding to sub-drafts received by an income account and original codes of drafts corresponding to existing drafts in the income account, and compares the original codes of the drafts with the original codes of the draft receiving unit to judge whether the original codes are the same or not; the information merging unit is used for merging the sub-tickets belonging to the same original coded draft as the existing draft in the income account into the existing draft of the income account when the income account receives the sub-tickets transferred from the expenditure account, and calling the balance calculating unit in the bill splitting module to calculate the amount of the merged draft, wherein the internal ticket number of the merged draft in the income account is not changed, and the internal ticket number of the received sub-tickets is discarded.
The system further comprises a data recording module, wherein the step data recording module is used for recording the corresponding data information of each operation step of the original data and the expenditure account or the income account.
The system further comprises an acceptance module, wherein the acceptance module provides an interface to be directly butted with a bank, or provides an interface to be butted with a third-party payment platform or a non-bank financial institution and indirectly butted with the bank through the third-party payment platform or the non-bank financial institution, and the acceptance module is used for realizing the internal bill number draft of the account in the system through the acceptance module after the corresponding draft is realized in the acceptance period of the bank, namely directly carrying out the operation of checking accounts with the bank through the interface or indirectly carrying out the operation of checking accounts with the bank through the third-party payment platform or the non-bank financial institution.
A method of effecting a money order transaction comprising the steps of:
(1) providing a user interface for a user to input a payment request and receive all transaction records transmitted through a network, and also providing an interface to be directly butted with a bank, or providing an interface to be butted with a third party payment platform or a non-bank financial institution and indirectly butted with the bank through the third party payment platform or the non-bank financial institution, and obtaining relevant information of a draft with an original code through interaction with the bank, and recording and storing the relevant information in a database, wherein the original code of the draft is the code of the draft in the bank;
(2) the system compiles an internal ticket number A for the entered draft, records the internal ticket number A in a database and is used for transferring accounts and paying between an expenditure account and an income account;
(3) inputting a payment request into an expenditure account through a user interface, when a payment use object of the payment request is a money order in the expenditure account, splitting the money order of an internal ticket number A appointed by a user in the expenditure account into a sub-ticket with the same amount as the required payment amount and a money order as a balance according to the payment request by a system, compiling a new internal ticket number B for the sub-ticket needing to be paid by the system, recording the new internal ticket number B in a database of the system, and inheriting the internal ticket number A of the money order before splitting as the balance;
(4) After the income account receives the paid sub-ticket with the internal ticket number B, the income account has two conditions which are respectively as follows:
1) when the receipt account originally has no money order information, adding a money order information in the receipt account, wherein the added money order information is a money order with an internal ticket number B;
2) when the draft with the internal ticket number C originally exists in the check-in account,
the system inquires the original code of the draft corresponding to the sub-draft with the internal ticket number B and the original code of the draft corresponding to the draft with the internal ticket number C, and judges whether the two codes are the same or not through comparison; when the two are the same, the system combines the sub-ticket of the internal ticket number B into the draft of the internal ticket number C, the increased amount of the draft of the internal ticket number C is the amount of the sub-ticket of the internal ticket number B, and the internal ticket number B of the sub-ticket is abandoned; when the two are different, adding a piece of money order information in the receipt account, wherein the added money order information is a money order with an internal ticket number B;
when the money order in the user account reaches the acceptance period of the bank, the money order is directly divided with the bank through the interface or is indirectly divided with the bank through a third-party payment platform or a non-bank financial institution.
Further, each time the transfer-out operation in the expenditure account is carried out, the system records detailed transfer-out details; each transfer operation in the income account, the system records detailed transfer details;
Furthermore, the transfer details include user information, internal ticket numbers of the split drafts, internal ticket numbers of the split sub-tickets, and the amount of money to be transferred.
Furthermore, the transfer-in details are divided into two conditions, and when the draft combination does not occur, the transfer-in details comprise user information, a newly-added internal ticket number, an original internal ticket number and the transfer-in amount; if the combination of the drafts occurs, the transfer-in details comprise user information, the original internal ticket number, the combined internal ticket number and the transfer-in amount.
The invention has the following beneficial effects: the invention provides a money order splitting and merging system and a method for realizing money order transaction, which can split the total amount corresponding to the money order through the system and use the split money order for transaction, and can merge different split results under the same account with parts belonging to the same original coded money order after splitting and transaction, thereby simplifying the transaction process, facilitating the management of the money order under the account, namely realizing the free control of the money order in the payment and receipt of a user through splitting and merging, leading the circulation of the money order to be more convenient and not bringing loss to the user.
Detailed Description
The invention is further described below.
The first embodiment is as follows:
the invention relates to a bill split system, which comprises a bill information input module, a bill coding module and a bill split module;
(1) the bill information input module provides a user interface for a user to input a payment request and receive all transaction records transmitted through a network, and the bill information input module also provides an interface to be directly butted with a bank, or the interface is butted with a third party payment platform or a non-bank financial institution and indirectly butted with the bank through the third party payment platform or the non-bank financial institution, and is used for acquiring related information of a draft with an original code through interaction with the bank and recording and storing the related information in a database, wherein the original code of the draft is the code of the draft in the bank;
the information exchange between the bill information input module and the interface of the bank butt joint and the bank can be carried out through a third party payment platform, such as the communication payment, namely the bill information input module of the system provides the interface of the communication payment butt joint and further butt joint with the bank.
(2) The bill coding module is used for compiling an internal ticket number for the corresponding draft with the original code in the system, and the internal ticket number is used when transfer payment is carried out between an expenditure account and an income account; internal ticket numbers are used only within the system, and an internal ticket number is assigned upon entry of a draft into the system.
(3) The bill splitting module comprises a splitting unit and a balance calculating unit, wherein the splitting unit splits the corresponding money orders under the expenditure account according to the payment amount in the payment request input by the user to obtain the sub-bills paid to the income account and the money orders left in the expenditure account as balance, and calls the bill coding module to compile a new internal ticket number for the sub-tickets, each split sub-ticket for transaction (also being a part of the draft, which can be called as a new draft) can be recompiled with the new internal ticket number, but a part of the split draft still carries the original code of the draft in the bank, that is, the sub-ticket still has the original code of the original draft to which the sub-ticket belongs in the database, and can be inquired at any time, but the internal ticket number is used in the transaction process, and the money order used as the balance in the payment account inherits the original internal ticket number and is not compiled into a new internal ticket number; the balance calculating unit is used for calculating the amount corresponding to the money order as the balance in the expenditure account.
The system further comprises a data recording module, wherein the step data recording module is used for recording the corresponding data information of each operation step of the original data and the expenditure account and the income account. After each bill is split and the transaction between accounts is carried out, a transaction detail is added in the database, the transaction details are respectively arranged in the expenditure account and the income account, but the transaction details are different according to different transaction conditions of the accounts, and the contents of the transaction details are different, namely the transaction details only show the conditions in the account in the corresponding account.
The system further comprises an acceptance module, wherein the acceptance module provides an interface to be directly butted with a bank, or provides an interface to be butted with a third-party payment platform or a non-bank financial institution and indirectly butted with the bank through the third-party payment platform or the non-bank financial institution, and the acceptance module is used for realizing the internal bill number draft of the account in the system through the acceptance module after the corresponding draft is realized in the acceptance period of the bank, namely directly carrying out the operation of checking accounts with the bank through the interface or indirectly carrying out the operation of checking accounts with the bank through the third-party payment platform or the non-bank financial institution. The bank will send an acceptance due notice to the system after the acceptance period of the draft has expired.
A kind of order amalgamation system based on bill splitting system, including the bill receiving module, the said bill receiving module includes information contrast unit and information amalgamation unit specifically, the said information contrast unit inquires the original code of the draft corresponding to sub-ticket received in the income account and original code of the draft corresponding to existing draft in the income account, and compare the original code of the two in order to judge whether the two are the same, there are inquiry modules in the unit of information contrast here, can inquire in the database for the original code of the draft with internal ticket number used for trade between the accounts; the information merging unit is used for merging the sub-tickets belonging to the same original coded draft as the existing draft in the income account into the existing draft of the income account when the income account receives the sub-tickets transferred from the expenditure account, and calling the balance calculating unit in the bill splitting module to calculate the amount of the merged draft, wherein the internal ticket number of the merged draft in the income account is not changed, and the internal ticket number of the received sub-tickets is discarded.
The system further comprises a data recording module, wherein the step data recording module is used for recording the corresponding data information of each operation step of the original data and the expenditure account or the income account. After each bill is split and the transaction between accounts is carried out, a transaction detail is added in the database, the transaction details are respectively arranged in the expenditure account and the income account, but the transaction details are different according to different transaction conditions of the accounts, and the contents of the transaction details are different, namely the transaction details only show the conditions in the account in the corresponding account.
The system further comprises an acceptance module, wherein the acceptance module provides an interface to be directly butted with a bank, or provides an interface to be butted with a third-party payment platform or a non-bank financial institution and indirectly butted with the bank through the third-party payment platform or the non-bank financial institution, and the acceptance module is used for presenting the internal bill number bills of the account in the system through the acceptance module after the corresponding bills are presented in the acceptance period of the bank, namely directly performing the accounting operation with the bank through the interface or indirectly performing the accounting operation with the bank through the third-party payment platform or the non-bank financial institution.
A method of effecting a money order transaction, comprising the steps of:
(1) providing a user interface for a user to input a payment request and receive all transaction records transmitted through a network, and also providing an interface to be directly butted with a bank, or providing an interface to be butted with a third party payment platform or a non-bank financial institution and indirectly butted with the bank through the third party payment platform or the non-bank financial institution, and obtaining relevant information of a draft with an original code through interaction with the bank, and recording and storing the relevant information in a database, wherein the original code of the draft is the code of the draft in the bank;
(2) The system compiles an internal ticket number A for the entered draft, records the internal ticket number A in a database and is used for transferring accounts and paying between an expenditure account and an income account;
(3) inputting a payment request into an expenditure account through a user interface, when a payment use object of the payment request is a money order in the expenditure account, splitting the money order of an internal ticket number A appointed by a user in the expenditure account into a sub-ticket with the same amount as the required payment amount and a money order as a balance according to the payment request by a system, compiling a new internal ticket number B for the sub-ticket needing to be paid by the system, recording the new internal ticket number B in a database of the system, and inheriting the internal ticket number A of the money order before splitting as the balance;
(4) after the income account receives the paid sub-ticket with the internal ticket number B, two situations are provided, which are respectively:
1) when the receipt account originally has no money order information, adding a money order information in the receipt account, wherein the added money order information is a money order with an internal ticket number B;
2) when a draft with an internal ticket number C originally exists in the check-in account,
the system inquires the original code of the draft corresponding to the sub-draft with the internal ticket number B and the original code of the draft corresponding to the draft with the internal ticket number C, and judges whether the two codes are the same or not through comparison; when the two are the same, the system combines the sub-ticket of the internal ticket number B into the draft of the internal ticket number C, the increased amount of the draft of the internal ticket number C is the amount of the sub-ticket of the internal ticket number B, and the internal ticket number B of the sub-ticket is abandoned; when the two are different, adding a piece of money order information in the account, wherein the added money order information is a money order with an internal ticket number B;
When the bill in the account of the user reaches the acceptance period of the bank, the user carries out account dividing operation through an interface butted with the bank.
Further, each time the transfer-out operation in the expenditure account is carried out, the system records detailed transfer-out details; each transfer operation in the income account, the system records detailed transfer details;
furthermore, the transfer details include user information, internal ticket numbers of the split drafts, internal ticket numbers of the split sub-tickets, and the amount of money to be transferred.
Furthermore, the transfer-in details are divided into two conditions, and when the draft combination does not occur, the transfer-in details comprise user information, a newly-added internal ticket number, an original internal ticket number and the transfer-in amount; if the remittance merging occurs in the account, the transfer-in details comprise user information, the original internal ticket number, the merged internal ticket number and the transfer-in amount.
The system and the method of the invention are applied in specific scenes as follows:
user A registers 1 draft with the amount of 50 ten thousand yuan in the system, the original bank acceptance draft number is 123456789, the internal draft number compiled for the 50 thousand yuan draft in the system is 19DQ13, and the draft is used for transferring payment in the system, wherein letters in the internal draft number have no special meaning and only serve as a serial number code:
(1) The user A transfers 10 ten thousand yuan for payment to the user B as a payment account for the first time, and the system generates a split ticket number 19AB01 and a sub-ticket with the amount of 10 ten thousand yuan for payment to the user B (namely, a income account).
The money order 19DQ13 as balance in user a account corresponds to a balance of 40 ten thousand dollars and adds an account roll out statement: the user A, the internal ticket number is 19DQ13, the split ticket number is 19AB01, and the transfer amount is 10 ten thousand yuan;
the user B account adds the information of 19AB01 sub-tickets with internal ticket number as 19, the balance as 10 ten thousand yuan, the original bank acceptance bill number as 123456789, and adds an account to transfer details: the user B, the internal ticket number 19AB01 and the transfer amount are 10 ten thousand yuan;
(2) and the user A transfers 15 ten thousand yuan to pay to the user B for the second time, the system splits the money order of the internal ticket number 19DQ13 as the balance in the account of the user A, newly generates a sub-ticket, compiles the internal ticket number to be 19AB02 and the amount of money to be 15 ten thousand yuan, and pays to the user B.
The draft 19DQ13 as a balance in user a account corresponds to a balance of 25 ten thousand dollars and adds an account roll out statement: the user A, the internal ticket number is 19DQ13, the split ticket number is 19AB02, and the transfer amount is 15 ten thousand yuan;
for user B, the newly received sub-ticket with internal ticket number 19AB02 is the same original acceptance draft as the previously received draft with internal ticket number 19AB01, i.e., the original code of the draft is the same, so the system automatically closes the drafts. The draft 19AB01 in user B account would have a balance of 25 ten thousand dollars and add an account to transfer details: the user B, the internal ticket number 19AB01, the combined ticket number 19AB02 and the transfer amount 15 ten-thousand yuan;
(3) User B uses the money transfer of internal ticket number 19AB01 to pay 5 ten thousand dollars to user A, and the system newly generates a sub-ticket of internal ticket number 19AB03, and pays 5 ten thousand dollars to user A.
The money order 19AB01 in user B account as a balance corresponds to a balance of 20 ten thousand dollars and adds an account roll out statement: the user B, the internal ticket number is 19AB01, the split ticket number is 19AB03, and the transfer amount is 5 ten thousand yuan;
for user a, the newly received 19AB03 and the previously registered ticket 19DQ13 are the same original acceptance draft (i.e., the original code of their corresponding drafts is the same), so the system automatically closes the draft. The draft 19DQ13 as a balance in user a account corresponds to a balance of 30 ten thousand dollars and adds an account to the transfer details: the user A, the internal ticket number 19DQ13, the combined ticket number 19AB03 and the transfer amount 5 ten-thousand yuan;
through the ticket separation and combination, the original 123456789 acceptance draft in the account of the user A only corresponds to one internal ticket 19DQ13, and the balance is 30 ten thousand yuan; the acceptance draft originally encoded as 123456789 in user B account also corresponds to only one interior ticket 19AB01 with a balance of 20 ten thousand dollars.
Thus, free transaction between accounts is realized in the system by using the money orders, and the money orders in each account and the like directly carry out the account dividing operation with the bank through the interface or indirectly carry out the account dividing operation with the bank through a third-party payment platform or a non-bank financial institution until the money orders reach the acceptance period. The whole process realizes free transaction of the money orders, the benefit of the ticket holders is not lost, and the combination system of the money orders also enables the money orders from the same original coded money order under the same account in the system to be combined together, so that the money orders under the account are more clear and simpler to present, and the management of users is convenient.
The above description is an embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by the present specification, or directly or indirectly applied to other related technical fields, are intended to be included within the scope of the present invention.
Claims (10)
1. A draft splitting system, comprising: the bill information input module, the bill coding module and the bill splitting module are included;
(1) the bill information input module provides a user interface for a user to input a payment request and receive all transaction records transmitted through a network, and the bill information input module also provides an interface to be directly butted with a bank, or the interface is butted with a third party payment platform or a non-bank financial institution and indirectly butted with the bank through the third party payment platform or the non-bank financial institution, and is used for acquiring related information of a draft with an original code through interaction with the bank and recording and storing the related information in a database, wherein the original code of the draft is the code of the draft in the bank;
(2) the bill coding module is used for compiling an internal ticket number for a corresponding draft with an original code in the system, and the internal ticket number is used when transfer payment is carried out between an expenditure account and an income account;
(3) The bill splitting module comprises a splitting unit and a balance calculating unit, wherein the splitting unit splits the corresponding money orders under the expenditure account according to the payment amount in the payment request input by the user to obtain sub-bills for paying to the income account and money orders left in the expenditure account as balance, and calls the bill coding module to compile new internal ticket numbers for the sub-bills, wherein the original internal ticket numbers of the money orders as the balance in the expenditure account are not compiled into the new internal ticket numbers; the balance calculating unit is used for calculating the amount corresponding to the money order which is used as the balance in the expenditure account.
2. The draft splitting system of claim 1, wherein: the system also comprises a data recording module which is used for recording the corresponding data information of each operation step of the original data and the expenditure account and the income account.
3. The draft splitting system according to claim 1, wherein: the system also comprises an acceptance module, wherein the acceptance module provides an interface to be directly butted with a bank, or provides an interface to be butted with a third-party payment platform or a non-bank financial institution and indirectly butted with the bank through the third-party payment platform or the non-bank financial institution, and the acceptance module is used for realizing the internal bill number bill of an account in the system through the acceptance module after the corresponding bill is changed when the bank reaches the acceptance period, namely directly carrying out account-drawing operation with the bank through the interface or indirectly carrying out account-drawing operation with the bank through the third-party payment platform or the non-bank financial institution.
4. A money order merging system based on the money order splitting system of claim 1, wherein: the bill receiving module comprises an information comparison unit and an information merging unit, wherein the information comparison unit inquires the original codes of the drafts corresponding to the sub-bills received by the income account and the original codes of the drafts corresponding to the existing drafts in the income account, and compares the original codes of the drafts with the original codes of the draft corresponding to the sub-bills received by the income account to judge whether the original codes are the same or not; the information merging unit is used for merging the sub-tickets belonging to the same original coded draft as the existing draft in the income account into the existing draft of the income account when the income account receives the sub-tickets transferred from the expenditure account, and calling the balance calculating unit in the bill splitting module to calculate the amount of the merged draft, wherein the internal ticket number of the merged draft in the income account is not changed, and the internal ticket number of the received sub-tickets is discarded.
5. The draft splitting system of claim 4, wherein: the system also comprises a data recording module which is used for recording the corresponding data information of each operation step of the original data and the expenditure account or the income account.
6. The draft splitting system according to claim 4, wherein: the system also comprises an acceptance module, wherein the acceptance module provides an interface to be directly butted with a bank, or provides an interface to be butted with a third-party payment platform or a non-bank financial institution and indirectly butted with the bank through the third-party payment platform or the non-bank financial institution, and the acceptance module is used for realizing the internal bill number bill of an account in the system through the acceptance module after the corresponding bill is changed when the bank reaches the acceptance period, namely directly carrying out account-drawing operation with the bank through the interface or indirectly carrying out account-drawing operation with the bank through the third-party payment platform or the non-bank financial institution.
7. A method of effecting a money order transaction, comprising: comprises the following steps of (a) carrying out,
(1) providing a user interface for a user to input a payment request and receive all transaction records transmitted through a network, and also providing an interface to be directly butted with a bank, or providing an interface to be butted with a third party payment platform or a non-bank financial institution and indirectly butted with the bank through the third party payment platform or the non-bank financial institution, and obtaining relevant information of a draft with an original code through interaction with the bank, and recording and storing the relevant information in a database, wherein the original code of the draft is the code of the draft in the bank;
(2) The system compiles an internal ticket number A for the entered draft, records the internal ticket number A in a database, and is used for transferring accounts between an expenditure account and an income account and paying;
(3) inputting a payment request into an expenditure account through a user interface, when a payment use object of the payment request is a money order in the expenditure account, splitting the money order of an internal ticket number A appointed by a user in the expenditure account into a sub-ticket with the same amount as the required payment amount and a money order as a balance according to the payment request by a system, compiling a new internal ticket number B for the sub-ticket needing to be paid by the system, recording the new internal ticket number B in a database of the system, and inheriting the internal ticket number A of the money order before splitting as the balance;
(4) after the income account receives the paid sub-ticket with the internal ticket number B, two situations are provided, which are respectively:
1) when the receipt account originally has no money order information, adding a money order information in the receipt account, wherein the added money order information is a money order with an internal ticket number B;
2) when a draft with an internal ticket number C originally exists in the check-in account,
the system inquires the original code of the draft corresponding to the sub-draft with the internal ticket number B and the original code of the draft corresponding to the draft with the internal ticket number C, and judges whether the two codes are the same or not through comparison; when the two are the same, the system combines the sub-ticket of the internal ticket number B into the draft of the internal ticket number C, the increased amount of the draft of the internal ticket number C is the amount of the sub-ticket of the internal ticket number B, and the internal ticket number B of the sub-ticket is abandoned; when the two are different, adding a piece of money order information in the account, wherein the added money order information is a money order with an internal ticket number B;
When the money order in the user account reaches the acceptance period of the bank, the money order is directly divided with the bank through the interface or is indirectly divided with the bank through a third-party payment platform or a non-bank financial institution.
8. The method of claim 7, wherein: each time the transfer-out operation in the expenditure account is carried out, the system records detailed transfer-out details; each transfer operation in the income account, the system records detailed transfer details.
9. The method of claim 8, wherein: the transfer details comprise user information, the internal ticket number of the split draft, the internal ticket number of the split sub-ticket and the amount of money to be transferred.
10. The method of claim 8, wherein: the transfer-in details are divided into two conditions, and when the draft combination does not occur, the transfer-in details comprise user information, a newly added internal ticket number, an original internal ticket number and a transfer-in amount; if the combination of the drafts occurs, the transfer-in details comprise user information, the original internal ticket number, the combined internal ticket number and the transfer-in amount.
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