CN110555697B - Fee payment management method, system, computer device and computer readable medium - Google Patents
Fee payment management method, system, computer device and computer readable medium Download PDFInfo
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- CN110555697B CN110555697B CN201810562977.0A CN201810562977A CN110555697B CN 110555697 B CN110555697 B CN 110555697B CN 201810562977 A CN201810562977 A CN 201810562977A CN 110555697 B CN110555697 B CN 110555697B
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention provides a charge payment management method, a system, computer equipment and a computer readable medium, wherein the charge payment management method comprises the following steps: receiving a charge payment request sent by a first user for a second user; determining at least one consumption information corresponding to the charge payment request and verifying the at least one consumption information; verifying whether the first user has a proxy authority for making a fee payment request for the second user; and after both items are verified successfully, distributing the payment fee corresponding to the consumption information to the account corresponding to the second user according to the fee payment request. Through the technical scheme of the invention, the consumption information corresponding to the expense payment request and the agency authority of the first user can be verified, so that the authenticity of the consumption information and the legality of the first user agent are ensured, the standardization and the safety of expense payment are improved, and the labor efficiency is also improved.
Description
Technical Field
The present invention relates to the field of management systems, and more particularly, to a fee payment management method, a fee payment management system, a computer device, and a computer-readable storage medium.
Background
When a company reimburses, the authenticity verification of the consumption items corresponding to reimbursement cannot be performed frequently, so that a lot of unnecessary reimbursement expense is caused, meanwhile, the expense to be reimbursed of the same staff can only be handled by the user frequently, and when other people work, a set of complete and standard flow is not provided, so that the daily reimbursement flow of the company is more complicated, and more time of the staff of the company can be occupied.
Disclosure of Invention
The present invention is directed to solving at least one of the problems of the prior art or the related art.
In view of the above, the present invention provides a method for managing payment;
it is another object of the present invention to provide a fee payment management system;
it is another object of the present invention to provide a computer apparatus;
it is another object of the present invention to provide a computer-readable storage medium.
In order to achieve the above object, a first aspect of the present invention provides a method for managing payment, including: receiving a charge payment request sent by a first user for a second user; determining at least one consumption information corresponding to the charge payment request and verifying the at least one consumption information; verifying whether the first user has a proxy authority for making a fee payment request for the second user; and after both items are verified successfully, distributing the payment fee corresponding to the consumption information to the account corresponding to the second user according to the fee payment request.
In the technical scheme, consumption information is verified, and agent authority of the first user is also verified, so that authenticity of user consumption is verified, and agent authority of the first user who makes a fee payment request by an agent is verified, real and reasonable fee can be timely paid, reasonability and management efficiency of fee payment management are improved, time is saved, and labor efficiency is improved.
Specifically, a charge payment request sent by a first user to a second user, that is, a consumption reimbursement of a specific consumer, or a charge payment request, may be sent by another person instead, where the first user is a person who sends the charge payment request, and the second user is a specific consumer; for specific consumers, the study and the familiarity with complicated expense payment programs are not required, and the self-presence is also not required, so that the great time and energy of some high-level managers or workers in other places can be saved; for the first user, the first user repeatedly executes the expense payment request for a long time, is familiar with an expense payment program, can reduce a plurality of unnecessary mistakes or misoperation, and can also proxy a plurality of specific consumers to carry out batch processing on the expense payment request, so that the division of labor in an organization can be more detailed and professional, and the labor efficiency can be greatly improved; determining at least one piece of consumption information corresponding to the expense payment request and verifying the at least one piece of consumption information can prevent expense payment for nonexistent consumption information and avoid property loss; whether the first user has the proxy authority for making the fee payment request for the second user is verified, so that misoperation or cheating can be avoided, and the possibility that the payment fee of the second user is invaded is reduced; and after both items are verified successfully, namely when the consumption information corresponding to the expense payment request is real and the first user has the proxy right to the second user, distributing the payment expense corresponding to the consumption information to an account corresponding to the second user according to the expense payment request, and finishing the expense payment process. It can be understood that the account corresponding to the second user may be a bank account, or may also be a third-party electronic account, such as a wechat wallet, a payment treasurer, and the like. It should be noted that the first user of the agent cannot issue an instruction to change the payment account, so as to ensure the safety of the payment.
It can be understood that there may be multiple pieces of consumption information in one expense payment request, and the second users corresponding to different consumption information may also be different, and since the first user designated for the second user to proxy is independent, that is, there is a possibility of duplication, the first user may perform an expense payment procedure for multiple second users.
In the above technical solution, the method for managing payment further comprises: determining a time difference between a time of receiving a charge payment request of a first user and a time of receiving a charge payment request of a second user; and if the time difference is not greater than the preset time, determining at least one piece of corresponding consumption information according to the fee payment request of the second user.
In the technical scheme, when the time difference between the time of receiving the fee payment request of the second user and the time of receiving the fee payment request of the first user is not more than the preset time, namely the fee payment requests of the second user and the first user are received simultaneously within the preset time, the corresponding at least one piece of consumption information is determined according to the fee payment request of the second user, and the fee payment process is controlled by the second user, so that the safety of payment fee is ensured.
In the above technical solution, the fee payment management method further includes: and after both items are successfully verified, clearing at least one first user corresponding to the second user and the fee payment request of any first user.
In the technical scheme, after the two items of information are verified successfully, namely the consumption information corresponding to the expense payment request is real and the first user really has the proxy right to the second user, the expense payment request of at least one first user and any first user corresponding to the second user is eliminated, only the second user has the right to modify the expense payment process, the possibility that the payment expense of the second user is invaded is reduced, and the safety of the expense payment process is improved.
In any one of the above technical solutions, verifying at least one piece of consumption information specifically includes: determining at least one consumption parameter of the consumption information, and determining the matching degree of each consumption parameter in a consumption system database storing the consumption information; if all the matching degrees are larger than the matching threshold value, the verification is successful, otherwise, the verification fails, wherein the consumption parameters comprise one or the combination of the following: time of consumption, place of consumption, type of consumption.
In the technical solution, at least one piece of consumption information is verified, specifically, at least one consumption parameter of the consumption information is determined, and the matching degree of each consumption parameter is determined in a consumption system database storing the consumption information, it can be understood that the more similar the consumption information is, the higher the matching degree is, and thus the matching degree can be compared with a matching threshold value to verify the consumption information, so the following process is provided: if all the matching degrees are greater than the matching threshold, the consumption information is real, the verification is successful, otherwise, the consumption information is not real enough, and the verification fails. Wherein the consumption information comprises one or a combination of the following: time of consumption, place of consumption, type of consumption. Different consumption characteristics are used for judging different consumption information, and the judgment accuracy is improved.
A technical solution of a second aspect of the present invention provides a fee payment management system, including: a request receiving unit for receiving a charge payment request for a second user issued by a first user; an information verifying unit for determining at least one piece of consumption information corresponding to the charge payment request and verifying the at least one piece of consumption information; an authority verification unit for verifying whether the first user has a proxy authority for making a charge payment request to the second user; and the execution unit is used for distributing the payment expense corresponding to the consumption information to the account corresponding to the second user according to the expense payment request after the two items are successfully verified.
In the technical scheme, consumption information is verified through the information verification unit, and agent authority of the first user is verified through the authority verification unit, so that authenticity of user consumption is verified, agent authority of the first user for an agent to perform a cost payment request is verified, real and reasonable cost can be timely paid, rationality and efficiency of cost payment management are improved, time is saved, and labor efficiency is improved.
Specifically, the request receiving unit receives a fee payment request for a second user sent by a first user, that is, receives a consumption reimbursement of a specific consumer, or the fee payment request may be sent by another person instead, where the first user is a person who sends the fee payment request, and the second user is the specific consumer; for specific consumers, learning and familiarity with the expense payment management system are not required, and the self-presence is also not required, so that the time and the energy of some high-level managers or workers in other places can be greatly saved; for the first user, the expense payment management system is repeatedly used for a long time, the expense payment management system is familiar with the expense payment management system, a plurality of unnecessary mistakes or misoperation can be reduced, and the first user can also act on a plurality of specific consumers or a plurality of second users to carry out batch processing on expense payment requests, so that the division of labor in an organization can be more detailed and professional, and the labor efficiency can be greatly improved; through the information verification unit, at least one piece of consumption information corresponding to the expense payment request is determined and verified, expense payment on nonexistent consumption information can be prevented, and property loss is avoided; whether the first user has the proxy authority for making the fee payment request for the second user is verified through the authority verification unit, so that misoperation or cheating behaviors can be avoided, and the possibility that the payment fee of the second user is invaded is reduced; and after both items are verified successfully, namely the consumption information corresponding to the expense payment request is real and the first user has the proxy right to the second user, distributing the payment expense corresponding to the consumption information to an account corresponding to the second user according to the expense payment request through the execution unit, and finishing the expense payment process. It can be understood that the account corresponding to the second user may be a bank account, or may also be a third-party electronic account, such as a wechat wallet, a payment treasurer, and the like. It should be noted that the first user of the agent cannot issue an instruction to change the payment account, so as to ensure the safety of the payment.
It can be understood that, since there may be a plurality of consumption information in one expense payment request, and the second users corresponding to different consumption information may also be different, and since the first user designated for the agent by each second user is independent, that is, there is a possibility of duplication, the first user may perform the expense payment process for a plurality of second users.
In the above technical solution, the fee payment management system further includes: a time difference determining unit for determining a time difference between a time of receiving a charge payment request of a first user and a time of receiving a charge payment request of a second user; and the permission covering unit is used for determining at least one piece of corresponding consumption information according to the charge payment request of the second user if the time difference is not greater than the preset time.
In the technical scheme, when the time difference determining unit determines that the time difference between the time of receiving the fee payment request of the second user and the time of receiving the fee payment request of the first user is not more than the preset time, namely when the fee payment requests of the second user and the first user are received within the preset time, the authority covering unit determines at least one piece of corresponding consumption information according to the fee payment request of the second user, and the fee payment process is controlled by the second user, so that the safety of payment fee is ensured.
In the above technical solution, the fee payment management system further includes: and the request clearing unit is used for clearing at least one first user corresponding to the second user and the fee payment request of any first user after the two items are successfully verified.
In the technical scheme, the request clearing unit clears at least one first user corresponding to the second user and the fee payment request of any first user after the two items of information are verified successfully, namely the consumption information corresponding to the fee payment request is real and the first user really has the proxy right to the second user, and only the second user has the right to modify the fee payment process, so that the possibility that the payment fee of the second user is invaded is reduced, and the safety of the fee payment process is improved.
In any one of the above technical solutions, the information verifying unit specifically includes: the parameter matching unit is used for determining at least one consumption parameter of the consumption information and determining the matching degree of each consumption parameter in a consumption system database storing the consumption information; a comparing unit, configured to determine that the verification is successful when all the matching degrees are greater than the matching threshold, and otherwise, the verification fails, where the consumption parameter includes one or a combination of the following: time of consumption, place of consumption, type of consumption.
In the technical scheme, the parameter matching unit determines at least one consumption parameter of the consumption information, and determines the matching degree of each consumption parameter in a consumption system database storing the consumption information, it can be understood that the more similar the consumption information is, the higher the matching degree is, and therefore the matching degree can be compared with a matching threshold value to verify the consumption information, so that the following process is performed: the comparison unit compares the obtained matching degree of each consumption parameter with a matching threshold value: if all the matching degrees are greater than the matching threshold, the consumption information is real, the verification is successful, otherwise, the consumption information is not real enough, and the verification fails. Wherein the consumption information comprises one or a combination of the following: time of consumption, place of consumption, type of consumption. Different consumption characteristics are used for judging different consumption information, and the judgment accuracy is improved.
In a third aspect of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method for managing payment in any of the above-mentioned technical solutions is implemented.
In this technical solution, when the processor of the computer device executes the computer program on the memory, the fee payment management method in any one of the above technical solutions can be implemented, and the standard management of the fee payment process is implemented, so that not only the fee payment is more convenient, but also the payment fee is safer.
An aspect of the fourth aspect of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the fee payment management method in any one of the above-mentioned aspects.
In this technical solution, when executed by a processor, a computer program in a computer readable medium implements the fee payment management method in any one of the above technical solutions, implements standard management of a fee payment process, and can both make fee payment more convenient and secure.
Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention.
Drawings
Fig. 1 shows a flow chart diagram of a fee payment management method of embodiment 1;
FIG. 2 is a schematic flow chart showing a charge payment management method of embodiment 3;
FIG. 3 is a schematic flow chart showing a charge payment management method of embodiment 4;
FIG. 4 is a schematic configuration diagram showing a fee payment management system of embodiment 6;
FIG. 5 is a schematic view showing the construction of a charge payment management system of embodiment 8;
FIG. 6 is a schematic view showing the construction of a charge payment management system of embodiment 9;
FIG. 7 is a schematic configuration diagram showing a computer apparatus of embodiment 11;
FIG. 8 is a diagram illustrating a terminal interface of a first user added in advance in the charge payment management method of the present invention;
FIG. 9 is a diagram showing a terminal interface of a second user added in advance in the charge payment management method of the present invention;
FIG. 10 illustrates an APP terminal interface diagram of the fare payment management method of the present invention;
FIG. 11 illustrates another APP terminal interface diagram of the fare payment management method of the present invention;
FIG. 12 illustrates another APP terminal interface diagram of the fare payment management method of the present invention;
FIG. 13 illustrates another APP terminal interface diagram of the fee payment management method of the present invention;
FIG. 14 illustrates another APP terminal interface diagram of the fare payment management method of the present invention;
FIG. 15 is a PC terminal interface diagram illustrating the fee payment management method of the present invention;
fig. 16 is another PC terminal interface diagram showing the fee payment management method of the present invention.
Detailed Description
So that the manner in which the above recited objects, features and advantages of the present invention can be understood in detail, a more particular description of the invention, briefly summarized above, may be had by reference to the embodiments thereof which are illustrated in the appended drawings. It should be noted that the embodiments and features of the embodiments of the present application may be combined with each other without conflict.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, however, the present invention may be practiced in other ways than those specifically described herein, and therefore the scope of the present invention is not limited by the specific embodiments disclosed below.
Example 1:
fig. 1 shows a flow chart of the fee payment management method of the present embodiment.
As shown in fig. 1, a charge payment management method includes:
step S102, receiving a fee payment request sent by a first user for a second user;
step S104, determining at least one piece of consumption information corresponding to the expense payment request and verifying the at least one piece of consumption information;
step S106, verifying whether the first user has the proxy authority for making the fee payment request for the second user;
and S108, after both items are verified successfully, distributing the payment expense corresponding to the consumption information to the account corresponding to the second user according to the expense payment request.
In this embodiment, step S102 receives a request for payment of a fee from a first user to a second user, and step S104 determines at least one piece of consumption information corresponding to the request for payment of the fee and verifies the at least one piece of consumption information, thereby preventing payment of the fee for non-existent consumption information and avoiding property loss; step S106, whether the first user has the proxy authority for making the fee payment request for the second user is verified, so that misoperation or cheating can be avoided, and the possibility that the payment fee of the second user is invaded is reduced; and step S108, after both items are verified successfully, namely when the consumption information corresponding to the expense payment request is real and the first user has the proxy right to the second user, distributing the payment expense corresponding to the consumption information to the account corresponding to the second user according to the expense payment request, and finishing the expense payment process. It can be understood that the account corresponding to the second user may be a bank account, or may also be a third-party electronic account, such as a wechat wallet, a payment instrument, and the like. It should be noted that the first user of the agent cannot issue an instruction to change the payment account, so as to ensure the safety of the payment.
Example 2:
in this embodiment, the user corresponding to the second user is a person who generates the consumption information, and the user corresponding to the first user designates an authorized person, that is, an agent of the second user, for the person who generates the consumption information. In order to reduce the repeatability of the process, the second user (i.e. the person who generates the consumption information) can designate a plurality of agency first users, and the plurality of first users can agency the related fee payment process for the consumption first users.
In addition, it can be understood that, since there may be a plurality of consumption information in one expense payment request, and the second users corresponding to different consumption information may also be different, and since the first user designated by each second user is independent, that is, there is a possibility of duplication, the first user in agent may perform an expense payment procedure for a plurality of second users in agent.
Specifically, at the time of the preset, as shown in fig. 8 and 9, the second user and the first user are added in order by the system administrator, upon receiving a request for payment of a fee from a first user, the APP terminal of the first user displays as shown in fig. 10, after the information on the upper part of the interface is filled in, clicking the agent key on the lower right part, as shown in fig. 11, a pop-up box in the middle part of the interface is used for selecting an agent (namely, a second user), after the selection, as shown in fig. 12, the interface displays the corresponding agent information, after the filling in, clicking the lower 'next' button, as shown in fig. 13, the terminal interface displays the submission information of the first user including name, department and the like, and meanwhile, the expense of reimbursement is also displayed, after a submission button at the bottom is clicked, the interface is shown in fig. 14, and the approval history of the reimbursement bill is displayed below the interface for viewing.
In addition, when a payment request sent by a proxy first user is received, the PC terminal of the first user displays as shown in fig. 15, the first user clicks a proxy button of a workflow, a new reimbursement sheet is created after an agent (i.e., a second user) is added, as shown in fig. 16, the payment is added, edited and submitted, and similarly, an approval history is displayed in the bottom left corner of the interface for viewing.
Example 3:
fig. 2 is a flowchart illustrating a charge payment management method according to the present embodiment.
As shown in fig. 2, a charge payment management method includes:
step S202, receiving a fee payment request sent by a first user for a second user;
step S204, determining the time difference between the time of receiving the expense payment request of the first user and the time of receiving the expense payment request of the second user;
step S206, if the time difference is not greater than the preset time, determining at least one piece of corresponding consumption information according to the expense payment request of the second user;
step S208, verifying at least one piece of consumption information and the agent authority of the first user;
and step S210, after both items are verified successfully, distributing the payment expense corresponding to the consumption information to the account corresponding to the second user according to the expense payment request.
In this embodiment, step S202 receives a request for payment of a fee from a first user to a second user; step S204, determining the time difference between the time of receiving the expense payment request of the first user and the time of receiving the expense payment request of the second user; step S206, if the time difference is not greater than the preset time, determining at least one piece of corresponding consumption information according to the expense payment request of the second user; step S208, at least one piece of consumption information is verified and the agent authority of the first user is verified, so that the payment of the expense of the nonexistent consumption information is prevented, and property loss is avoided; and step S210, after both items are verified successfully, distributing the payment expense corresponding to the consumption information to the account corresponding to the second user according to the expense payment request. The payment process is controlled by the consumer, so that the safety of the payment is ensured.
Example 4:
fig. 3 is a flowchart illustrating a charge payment management method according to the present embodiment.
As shown in fig. 3, a charge payment management method includes:
step S302, receiving a charge payment request sent by a first user for a second user;
step S304, determining the time difference between the time of receiving the expense payment request of the first user and the time of receiving the expense payment request of the second user;
step S306, if the time difference is not greater than the preset time, determining at least one piece of corresponding consumption information according to the expense payment request of the second user;
step S308, verifying at least one piece of consumption information and the agent authority of the first user;
step S310, after both items are verified successfully, at least one first user corresponding to the second user and a fee payment request of any first user are cleared;
step S312, distributing the payment fee corresponding to the consumption information to the account corresponding to the second user according to the fee payment request.
In this embodiment, step S302 is to receive a request for payment of a fee from a first user to a second user; step S304, determining the time difference between the time of receiving the expense payment request of the first user and the time of receiving the expense payment request of the second user; step S306, if the time difference is not greater than the preset time, determining at least one piece of corresponding consumption information according to the expense payment request of the second user; step S308, verifying at least one piece of consumption information and the agent authority of the first user, thereby preventing the payment of the expense for the nonexistent consumption information, avoiding property loss, preventing misoperation or cheating of the first user and avoiding the possibility that the expense of the second user is invaded; step S310, after both items are verified successfully, at least one first user corresponding to the second user and the fee payment request of any first user are eliminated, only the second user has the right to modify the fee payment process, and the possibility that the payment fee of the second user information is invaded is reduced; step S312, distributing the payment fee corresponding to the consumption information to the account corresponding to the second user according to the fee payment request; because the fee payment process is controlled by the consumer, the safety of the payment fee is ensured.
Example 5:
on the basis of embodiment 4, verifying at least one piece of consumption information specifically includes: determining at least one consumption parameter of the consumption information, and determining the matching degree of each consumption parameter in a consumption system database storing the consumption information; if all the matching degrees are larger than the matching threshold value, the verification is successful, otherwise, the verification fails, wherein the consumption parameters comprise one or the combination of the following: time of consumption, place of consumption, type of consumption.
In this embodiment, at least one piece of consumption information is verified, specifically, at least one consumption parameter of the consumption information is determined, and the matching degree of each consumption parameter is determined in a consumption system database storing the consumption information, it can be understood that the more similar the consumption information is, the higher the matching degree is, and therefore the matching degree can be compared with a matching threshold value to verify the consumption information, so the following process is performed: if all the matching degrees are greater than the matching threshold, the consumption information is real, the verification is successful, otherwise, the consumption information is not real enough, and the verification fails. Wherein the consumption information comprises one or a combination of the following: time of consumption, place of consumption, type of consumption. Different consumption characteristics are used for judging different consumption information, and the judgment accuracy is improved.
Example 6:
fig. 4 shows a schematic configuration diagram of the fee payment management system of the present embodiment.
As shown in fig. 4, a fee payment management system 400 includes:
a request receiving unit 402, configured to receive a request for payment of a fee for a second user issued by a first user;
an information verifying unit 404 for determining at least one piece of consumption information corresponding to the charge payment request and verifying the at least one piece of consumption information;
an authority verification unit 406, configured to verify whether the first user has a proxy authority for making a fee payment request for the second user;
and the execution unit 408 is configured to distribute the payment fee corresponding to the consumption information to the account corresponding to the second user according to the fee payment request after both items are successfully verified.
In this embodiment, the request receiving unit 402 is configured to receive a fee payment request issued by a first user for a second user, and the information verifying unit 404 is configured to determine at least one piece of consumption information corresponding to the fee payment request and verify the at least one piece of consumption information, so as to prevent fee payment for non-existent consumption information and avoid property loss; an authority verification unit 406, configured to verify whether the first user has a proxy authority for making a fee payment request for the second user; after both items are verified successfully, that is, the consumption information corresponding to the expense payment request is real-time, the execution unit 408 distributes the payment expense corresponding to the consumption information to the account corresponding to the second user according to the cancellation request, and completes the expense payment process. It can be understood that the account corresponding to the second user may be a bank card, or may also be a third party account, such as a wechat wallet, a payment treasure, and the like. It should be noted that the agent cannot issue an instruction to change the payment account, so as to ensure the safety of the payment.
Example 7:
in this embodiment, the user corresponding to the second user is a person who generates consumption information, the user corresponding to the first user designates an authorized person for the person who generates consumption information, in order to reduce the repeatability of the process, the second user (i.e., the person who generates consumption information) may designate a plurality of agent first users, and the related fee payment process may be issued for the first user who generates consumption by the plurality of agent first users.
In addition, it can be understood that, since there may be a plurality of pieces of consumption information in one expense payment request, and the second users corresponding to different consumption information may also be different, and since the first user designated by each second user is independent, that is, there is a possibility of duplication, the first user may perform an expense payment procedure for a plurality of second users.
Example 8:
fig. 5 shows a schematic configuration diagram of the fee payment management system of the present embodiment.
As shown in fig. 5, a fee payment management system 500 includes:
a request receiving unit 502, configured to receive a request for payment of a fee for a second user issued by a first user;
a time difference determining unit 504 for determining a time difference between a time of receiving the charge payment request of the first user and a time of receiving the charge payment request of the second user;
the permission covering unit 506 is configured to determine, if the time difference is not greater than the preset time, the corresponding at least one piece of consumption information according to the fee payment request of the second user;
an information verification unit 508 for determining at least one piece of consumption information corresponding to the charge payment request and verifying the at least one piece of consumption information;
an authority verification unit 510 for verifying whether the first user has a proxy authority for making a charge payment request to the second user;
and the execution unit 512 is configured to distribute the payment cost corresponding to the consumption information to the account corresponding to the second user according to the cost payment request after both items are successfully verified.
In this embodiment, the request receiving unit 502 receives a fee payment request for a second user sent by a first user, the time difference determining unit 504 determines a time difference between a time of receiving the fee payment request of the first user and a time of receiving the fee payment request of the second user, when the time difference between the second user and the first user is not greater than a preset time, that is, when the fee payment requests of the second user and the first user are received simultaneously within the preset time, the authority covering unit 506 determines at least one piece of consumption information corresponding to the fee payment request of the second user, and at this time, a fee payment process is controlled by the second user, thereby ensuring the security of payment fees. The information verification unit 508 verifies at least one piece of consumption information, thereby preventing payment for expenses for non-existent consumption information and avoiding property loss; an authority verification unit 510 for verifying whether the first user has a proxy authority for making a charge payment request to the second user; after both items are verified successfully, that is, when the consumption information corresponding to the expense payment request is true and the first user has the proxy right of the second user, the execution unit 512 distributes the payment expense corresponding to the consumption information to the account corresponding to the second user according to the cancellation request, and completes the expense payment process. It can be understood that the account corresponding to the preset user information may be a bank card, or may also be a third party account, such as a wechat wallet, a payment treasure, and the like.
Example 9:
fig. 6 shows a schematic configuration diagram of the fee payment management system of the present embodiment.
As shown in fig. 6, a fee payment management system 600 includes:
a request receiving unit 602, configured to receive a request for payment of a fee from a first user for a second user;
a time difference determining unit 604 for determining a time difference between a time of receiving the charge payment request of the first user and a time of receiving the charge payment request of the second user;
the permission covering unit 606 is configured to determine, if the time difference is not greater than the preset time, the corresponding at least one piece of consumption information according to the fee payment request of the second user;
an information verifying unit 608 for determining and verifying at least one piece of consumption information corresponding to the charge payment request;
a request clearing unit 610, configured to clear at least one first user corresponding to the second user and a fee payment request of any first user after both items are successfully verified;
an authority verification unit 612, configured to verify whether the first user has a proxy authority for making a request for payment of a fee to the second user;
and the execution unit 614 is configured to distribute the payment cost corresponding to the consumption information to the account corresponding to the second user according to the cost payment request after the two items are successfully verified.
In this embodiment, the request receiving unit 602 receives a fee payment request for a second user sent by a first user, the time difference determining unit 604 determines a time difference between a time of receiving the fee payment request of the first user and a time of receiving the fee payment request of the second user, when the time difference between the second user and the first user is not greater than a preset time, that is, when the fee payment requests of the second user and the first user are received simultaneously within the preset time, the permission covering unit 606 determines at least one piece of consumption information corresponding to the fee payment request of the second user, and at this time, a fee payment process is controlled by the second user, so that the security of payment fee is ensured; the information verifying unit 608 verifies at least one piece of consumption information, thereby preventing payment for expenses for non-existent consumption information and avoiding property loss; an authority verification unit 612, configured to verify whether the first user has a proxy authority for making a request for payment of a fee to the second user; after both of the two items are verified successfully, that is, when the consumption information corresponding to the fee payment request is real and the first user has a proxy right for the second user, the request clearing unit 610 clears at least one first user corresponding to the second user and the fee payment request of any first user, at this time, only the second user has a right to modify the fee payment process, so that the possibility that the payment fee of the second user is invaded is reduced, and the security of the fee payment process is increased; the execution unit 612 distributes the payment fee corresponding to the consumption information to the account corresponding to the second user according to the fee payment request, and completes the fee payment process. It can be understood that the account corresponding to the second user may be a bank card, or may also be a third party account, such as a wechat wallet, a payment treasure, and the like.
Example 10:
on the basis of embodiment 9, the information verifying unit specifically includes: the parameter matching unit is used for determining at least one consumption parameter of the consumption information and determining the matching degree of each consumption parameter in a consumption system database storing the consumption information; a comparing unit, configured to determine that the verification is successful when all the matching degrees are greater than the matching threshold, and otherwise, the verification fails, where the consumption parameter includes one or a combination of the following: time of consumption, place of consumption, type of consumption.
In this embodiment, the parameter matching unit determines at least one consumption parameter of the consumption information, and determines the matching degree of each consumption parameter in the consumption system database storing the consumption information, it can be understood that the more similar the consumption information is, the higher the matching degree is, and thus the matching degree can be compared with the matching threshold value to verify the consumption information, so the following process is performed: the comparison unit compares the obtained matching degree of each consumption parameter with a matching threshold value: if all the matching degrees are greater than the matching threshold, the consumption information is real, the verification is successful, otherwise, the consumption information is not real enough, and the verification fails. Wherein the consumption information comprises one or a combination of the following: time of consumption, place of consumption, type of consumption. Different consumption characteristics are used for judging different consumption information, and the judgment accuracy is improved.
Example 11:
fig. 7 shows a schematic configuration diagram of the fee payment management system of the present embodiment.
As shown in fig. 7, a computer device 700, comprising:
a processor 702;
a memory 704 storing a computer program operable on a processor, the processor implementing the method of managing payment of any of the embodiments described above when executing the computer program.
In this embodiment, when the processor 702 of the computer device executes the computer program on the memory 704, the fee payment management method in any of the above embodiments can be implemented, so as to implement the standard management of the fee payment process, which not only makes the fee payment more convenient, but also makes the payment more secure.
Example 12:
the present embodiment proposes a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the fee payment management method of any of the above embodiments.
In this embodiment, when executed by a processor, a computer program in a computer-readable medium implements the fee payment management method in any of the above embodiments, and implements standard management of a fee payment process, so that not only can the fee payment be more convenient, but also the payment can be safer.
The technical scheme of the invention is explained in detail in the above with the help of the attached drawings, and the expense payment management method can verify at least one consumption information corresponding to the expense payment request, thereby ensuring the authenticity of the consumption information and preventing the payment expense from being paid by mistake; meanwhile, the agency authority of the first user for agency fee payment request is verified, the first user is ensured to have the agency authority of the second user, the labor efficiency is improved, the possibility that the fee of the second user is invaded is reduced, the fee payment process is more standard, the fee payment process is more convenient and faster, and the payment safety in the fee payment process can be ensured.
In the present invention, the terms "first", "second", and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance; the term "plurality" means two or more unless expressly limited otherwise. The terms "mounted," "connected," "fixed," and the like are to be construed broadly, and for example, "connected" may be a fixed connection, a removable connection, or an integral connection; "coupled" may be direct or indirect through an intermediary. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.
In the description of the present invention, it is to be understood that the terms "upper", "lower", "left", "right", "front", "rear", and the like indicate orientations or positional relationships based on those shown in the drawings, and are only for convenience of description and simplification of description, but do not indicate or imply that the referred device or unit must have a specific direction, be constructed in a specific orientation, and be operated, and thus, should not be construed as limiting the present invention.
In the description of the present specification, the description of "one embodiment," "some embodiments," "specific embodiments," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes will occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. A method of managing payment of a fee, comprising:
receiving a fee payment request sent by a first user for a second user, wherein the first user is a user added through a human-computer interaction interface and used for acting a fee payment process for the second user, and the second user corresponds to a plurality of first users;
determining at least one piece of consumption information corresponding to the charge payment request and verifying the at least one piece of consumption information;
verifying whether the first user has a proxy authority to make the fee payment request to the second user;
after both items are verified successfully, distributing the payment fee corresponding to the consumption information to an account corresponding to the second user according to the fee payment request;
wherein, the verifying the at least one piece of consumption information specifically includes:
determining at least one consumption parameter of the consumption information, and determining the matching degree of each consumption parameter in a consumption system database storing the consumption information;
if all the matching degrees are greater than the matching threshold value, the verification is successful, otherwise, the verification fails,
wherein the consumption parameters include one or a combination of: time of consumption, place of consumption, type of consumption.
2. The payment management method of claim 1, further comprising:
determining a time difference between a time of receiving the first user's fee payment request and a time of receiving the second user's fee payment request;
and if the time difference is not greater than the preset time, determining at least one piece of corresponding consumption information according to the fee payment request of the second user.
3. The payment management method of claim 2, further comprising:
and after both items are verified successfully, clearing at least one first user corresponding to the second user and the fee payment request of any first user.
4. A fee payment management system, comprising:
the request receiving unit is used for receiving a fee payment request sent by a first user for a second user, the first user is a user which is added through a man-machine interaction interface and is used for carrying out a fee payment process for the second user, and the second user corresponds to a plurality of first users;
an information verifying unit for determining at least one piece of consumption information corresponding to the charge payment request and verifying the at least one piece of consumption information;
an authority verification unit configured to verify whether the first user has a proxy authority to perform the fee payment request for the second user;
the execution unit is used for distributing the payment expense corresponding to the consumption information to the account corresponding to the second user according to the expense payment request after the two items are successfully verified;
the information verification unit specifically includes:
the parameter matching unit is used for determining at least one consumption parameter of the consumption information and determining the matching degree of each consumption parameter in a consumption system database storing the consumption information;
a comparing unit for determining that the verification is successful when all the matching degrees are greater than the matching threshold, otherwise, the verification is failed,
wherein the consumption parameters include one or a combination of: time of consumption, place of consumption, type of consumption.
5. The payment management system of claim 4, further comprising:
a time difference determination unit for determining a time difference between a time of receiving the charge payment request of the first user and a time of receiving the charge payment request of the second user;
and the permission covering unit is used for determining at least one piece of corresponding consumption information according to the charge payment request of the second user if the time difference is not greater than the preset time.
6. The payment management system of claim 5, further comprising:
and the request clearing unit is used for clearing at least one first user corresponding to the second user and the fee payment request of any first user after both items are verified successfully.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of managing payment according to any one of claims 1 to 3 when executing the computer program.
8. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a charge payment management method according to any one of claims 1 to 3.
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810562977.0A CN110555697B (en) | 2018-06-04 | 2018-06-04 | Fee payment management method, system, computer device and computer readable medium |
| PCT/CN2019/075961 WO2019218744A1 (en) | 2018-05-16 | 2019-02-22 | Systems and methods for payment management |
| CN201980000311.9A CN110972500B (en) | 2018-05-16 | 2019-02-22 | System and method for payment management |
| US17/082,058 US20210117973A1 (en) | 2018-05-16 | 2020-10-28 | Systems and methods for payment management |
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| CN201810562977.0A CN110555697B (en) | 2018-06-04 | 2018-06-04 | Fee payment management method, system, computer device and computer readable medium |
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