CN110969523A

CN110969523A - Repayment method, device, server and storage medium

Info

Publication number: CN110969523A
Application number: CN201811165426.7A
Authority: CN
Inventors: 何洪波; 周燕
Original assignee: Simplecredit Micro-Lending Co ltd
Current assignee: Simplecredit Micro-Lending Co ltd
Priority date: 2018-09-30
Filing date: 2018-09-30
Publication date: 2020-04-07

Abstract

The embodiment of the invention provides a payment method, a payment device, a server and a storage medium, wherein the method comprises the following steps: when the payment time in the payment plan of the target farmer is monitored to reach, determining a payment mode corresponding to the target farmer; if the repayment mode is indirect repayment, sending a first deduction request to the sales platform according to the payable money in the repayment plan, wherein the first deduction request comprises deduction amount, and the sales platform is used for purchasing agricultural products of the target peasant household; and receiving the money corresponding to the deduction amount paid by the first deduction request after the selling platform receives the agricultural products of the target peasant household. By adopting the embodiment of the invention, the loan party platform and the sales platform are fused, and after the agricultural products are delivered to the sales platform by the target farmer, the sales platform can directly repay the agricultural products to the loan party platform, thus simplifying the repayment operation of the user and improving the repayment processing efficiency.

Description

Repayment method, device, server and storage medium

Technical Field

The invention relates to the technical field of internet finance, in particular to a payment method, a payment device, a server and a storage medium.

Background

With the rapid development of the information age, farmers raise agricultural products through loan money as a general trend, particularly for farmers who have raising experiences but lack economic bases. The general mode that the peasant household raises agricultural products through the loan is that the peasant household applies for the loan to the lender, and after the application is successful, the peasant household uses the loan money to offer insurance for the agricultural products, purchase feed and the like. When agricultural products of the peasant household grow, the peasant household contacts the selling company to sell the agricultural products, and the loan party is paid with money obtained by selling the agricultural products.

In the process that the farmer raises agricultural products through the loan and pays, the farmer needs to repeatedly contact a loan party and a sales company, and the operation is complicated. If the farmer does not contact the sales company with the relatively reliable score, the farmer cannot pay on time, and the lender cannot timely withdraw the loan.

Disclosure of Invention

The embodiment of the invention provides a repayment method, a repayment device, a server and a storage medium, wherein a loan party platform and a sales platform are fused, and after a target farmer delivers agricultural products to the sales platform, the sales platform can directly repay the agricultural products to the loan party platform, so that the repayment operation of the user is simplified, and the repayment processing efficiency is improved.

In a first aspect, an embodiment of the present invention provides a payment method, including:

when the payment time in the payment plan of the target farmer is monitored to be reached, determining a payment mode corresponding to the target farmer;

if the repayment mode is indirect repayment, a first deduction request is sent to the sales platform according to the payable money in the repayment plan, the first deduction request comprises deduction amount, and the sales platform is used for purchasing agricultural products of the target farmer;

and after receiving the agricultural products of the target peasant household, the receiving and selling platform responds to the money corresponding to the deduction amount paid by the first deduction request.

Optionally, after sending the first deduction request to the sales platform according to the payable amount in the repayment plan, the repayment method further includes:

receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural products of the target peasant household are not received;

sending a second notification message that the sales platform refuses to pay to the target farmer;

and receiving the payment due in the payment plan paid by the target peasant household after receiving the second notification message.

sending a second notification message that the sales platform refuses to pay to the target farmer so that the target farmer delivers the agricultural product to the sales platform;

when receiving the confirmation operation that the agricultural products submitted by the target farmer are delivered to the sales platform, sending a second deduction request to the sales platform again according to the payable amount in the repayment plan, wherein the second deduction request comprises the deduction amount;

and receiving the money corresponding to the deduction amount paid by the second deduction request after the sales platform receives the agricultural products of the target peasant household.

Optionally, the agricultural supply chain management system further includes an insurance platform, and before sending the first deduction request to the sales platform according to the payable amount in the repayment plan, the repayment method further includes:

judging whether a reimbursement fund provided by the insurance platform for the agricultural products of the target peasant household exists;

if the amount of the dividend money is less than the amount of the payable money in the repayment plan, deducting the dividend money;

and generating a first deduction request according to the payable amount and the dividend.

Optionally, the generating a first deduction request according to the payable amount and the reimbursement money includes:

calculating a difference between the due amount and the dividend amount;

and generating a first deduction request according to the difference between the payable amount and the dividend money, wherein the deduction amount included in the first deduction request is the difference between the payable amount and the dividend money.

Optionally, the payment method further includes:

if the dividend provided by the insurance platform for the agricultural products of the target peasant household exists, and the amount of the dividend provided by the insurance platform for the agricultural products of the target peasant household is larger than the amount of the payable money in the repayment plan, deducting the payable money from the dividend;

paying the reimbursement money after deducting the due money to the target peasant household;

and sending payment prompt information to the sales platform, wherein the payment prompt information is used for instructing the sales platform to pay the money corresponding to the agricultural product to the target farmer under the condition that the sales platform receives the agricultural product of the target farmer.

Optionally, after determining the repayment mode of the target farmer, the repayment method further includes:

if the repayment mode is direct repayment, sending a repayment request to the target farmer according to the payable money in the repayment plan, wherein the repayment request comprises a deduction amount;

and receiving the money corresponding to the deduction amount paid by the target farmer in response to the repayment request.

In a second aspect, an embodiment of the present invention provides a repayment apparatus, where the repayment apparatus may be applied to an agricultural supply chain management system, where the agricultural supply chain management system includes a lender platform and a sales platform, and the repayment apparatus includes:

the determining unit is used for determining a repayment mode corresponding to the target farmer when the fact that the repayment time in the repayment plan of the target farmer is up is monitored;

the payment management system comprises a sending unit, a payment planning unit and a payment management unit, wherein the sending unit is used for sending a first payment deduction request to a sales platform according to an account payable in a payment plan if the payment mode is indirect payment, the first payment deduction request comprises a payment deduction amount, and the sales platform is used for purchasing agricultural products of target farmers;

and the receiving unit is used for receiving the money corresponding to the deduction amount paid in response to the first deduction request after the agricultural products of the target peasant household are received by the sales platform.

Optionally, the payment apparatus further includes:

the receiving unit is also used for receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural products of the target peasant household are not received;

the sending unit is also used for sending a second notification message that the sales platform refuses to pay to the target peasant household;

and the receiving unit is also used for receiving the payment due in the repayment plan paid by the target farmer after receiving the second notification message.

Optionally, the payment apparatus further includes:

the sending unit is also used for sending a second notification message that the sales platform refuses to repay to the target farmer so that the target farmer delivers the agricultural product to the sales platform;

the sending unit is further used for sending a second deduction request to the sales platform again according to the payable amount in the repayment plan when the receiving unit receives the confirmation operation that the agricultural product submitted by the target farmer is delivered to the sales platform, wherein the second deduction request comprises the deduction amount;

and the receiving unit is also used for receiving the money corresponding to the deduction amount paid in response to the second deduction request after the agricultural products of the target peasant household are received by the sales platform.

Optionally, the agricultural supply chain management system further includes an insurance platform, and the repayment device further includes a determination unit, a deduction unit, and a generation unit:

the judging unit is used for judging whether a reimbursement fund provided by the insurance platform for the agricultural products of the target peasant household exists;

the deduction unit is used for deducting the dividend if the judgment unit judges that the dividend money exists and the amount of the dividend money is less than the amount of the payable money in the repayment plan;

and the generating unit is used for generating a first deduction request according to the payable money and the dividend fund.

Optionally, the generating unit is specifically configured to:

calculating a difference between the due amount and the dividend amount;

Optionally, the payment apparatus further includes a payment unit:

if the judging unit judges that the claim money provided by the insurance platform for the agricultural products of the target peasant household exists and the amount of the claim money is larger than the amount of the payable money in the repayment plan, the deducting unit deducts the payable money from the claim money;

the payment unit is used for paying the reimbursement money after the payment due is deducted to the target farmer;

and the sending unit is used for sending prompt information to the sales platform, and the payment prompt information is used for instructing the sales platform to pay the money corresponding to the agricultural product to the target farmer under the condition that the sales platform receives the agricultural product of the target farmer.

Optionally, the payment apparatus further includes:

the sending unit is also used for sending a repayment request to the target peasant household according to the payable money in the repayment plan if the repayment mode is direct repayment, wherein the repayment request comprises a deduction amount;

and the receiving unit is also used for receiving the money corresponding to the deduction amount paid by the target farmer in response to the repayment request.

In a third aspect, an embodiment of the present invention provides a server, including a processor, a network interface, and a memory, where the processor, the network interface, and the memory are connected to each other, where the memory is used to store a computer program that supports the server to execute the foregoing method, and the computer program includes program instructions, and the processor is configured to call the program instructions to execute the foregoing first aspect and any optional method thereof.

In a fourth aspect, the present invention provides a computer-readable storage medium, in which a computer program is stored, the computer program including program instructions, which, when executed by a processor, cause the processor to perform the first aspect and any optional method thereof.

In the embodiment of the invention, when the loan party platform monitors that the repayment time of the target farmer arrives and the target farmer selects an indirect repayment mode, the loan party platform sends a first deduction request to the sales platform to prompt the sales platform to pay one of the money sold by the target farmer to the loan party platform after receiving the agricultural products of the target farmer, the loan party platform receives the corresponding money in the payment deduction request of the sales platform, the loan party platform and the sales platform are fused, and after the target farmer delivers the agricultural products to the sales platform, the sales platform can directly repay the loan party platform, so that the repayment operation of the user is simplified, and the repayment processing efficiency is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is an architecture diagram of an agricultural supply chain management system according to an embodiment of the present invention;

FIG. 2 is a schematic flow chart of a payment method according to an embodiment of the present invention;

FIG. 3 is a schematic flow chart of another payment method provided by the embodiment of the invention;

FIG. 4 is a schematic structural diagram of a payment device according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Referring to fig. 1, an architecture diagram of an agricultural supply chain management system is provided for an embodiment of the present invention, as shown in the architecture diagram of the agricultural supply chain management system shown in fig. 1, the agricultural supply chain management system may include a lender platform 10, an insurance platform 20, and a sales platform 30, the lender platform 10 is built by a lender server and is used for completing a corresponding lending operation of the lender and other operations, the insurance platform 20 is built by an insurance company server and is used for providing insurance for agricultural products, and the sales platform 30 is built by a seller server and is used for purchasing agricultural products.

In one embodiment, in the agricultural supply chain management system shown in fig. 1, after logging in the system, the target farmer can purchase insurance for agricultural products raised by the target farmer through the system, and pay a premium in the form of loan from a lender; and selling the agricultural products to a seller when the agricultural products are bred, wherein part of the money for selling the agricultural products is used for deducting the loan money of the loan party, and the rest part of the money is transferred to the target peasant household. Optionally, the above target user enters into insurance for the agricultural product through the loan may be implemented as follows: the target farmer can firstly apply for buying insurance of the agricultural products raised by the target farmer from the insurance platform; the insurance platform 20 verifies the application of the target farmer, calculates the premium payable of the target farmer after the verification is passed, and then generates payment prompt information based on the premium payable; after receiving the payment prompt message, the target farmer can choose to pay the corresponding insurance fee in the payment notice by loan to the lender, and submit a loan application to the lender, wherein the loan application can comprise loan amount, repayment plan and the like; after the loan application of the target farmer is approved by the lender platform 10, the target farmer can pay the money corresponding to the loan amount, so that the target farmer can pay the money to the insurance platform. By this time, the target farmer has finished making a guarantee for the agricultural product through the loan.

In one embodiment, when a target farmer submits a loan application to a lender, the loan application may include a repayment plan including a repayment amount, a repayment time, a repayment mode and the like, the lender platform monitors the repayment situation of the target farmer according to the repayment plan of the target farmer, and when the repayment time in the repayment plan is monitored to be reached, the lender may send a deduction notification to the repayment party according to the repayment mode and the repayment amount in the repayment plan.

In one embodiment, the loan party platform 10 processes the repayment of the target farmer by: when the payment time in the payment plan of the target farmer is monitored to be reached, determining a payment mode corresponding to the target farmer; if the repayment mode is indirect repayment, a first deduction request is sent to the sales platform according to the payable money in the repayment plan, the first deduction request comprises deduction amount, and the sales platform is used for purchasing agricultural products of the target farmer; and after receiving the agricultural products of the target peasant household, the receiving and selling platform responds to the money corresponding to the deduction amount paid by the first deduction request. Optionally, in the agricultural supply chain management system, the target farmer, the sales platform and the borrower platform sign an indirect repayment contract in advance, that is, when the target farmer selects indirect repayment, the borrower platform 10 asks the sales platform for a corresponding payment in the repayment plan of the target farmer.

In one embodiment, the borrower platform 10, after sending the first deduction request to the sales platform based on the amount due in the repayment plan, further comprises: receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural products of the target peasant household are not received; the target farmer sends a second notification message that the sales platform refuses to pay; and receiving the payment due in the payment plan paid by the target peasant household after receiving the second notification message.

In another embodiment, after the borrower platform 10 sends the first deduction request to the sales platform according to the payment due in the repayment plan, the method further comprises: receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural products of the target peasant household are not received;

sending a second notification message that the sales platform refuses to pay to the target farmer so that the target farmer delivers the agricultural product to the sales platform; when receiving the confirmation operation that the agricultural products submitted by the target farmer are delivered to the sales platform, sending a second deduction request to the sales platform again according to the payable amount in the repayment plan, wherein the second deduction request comprises the deduction amount; and receiving the money corresponding to the deduction amount paid by the second deduction request after the sales platform receives the agricultural products of the target peasant household.

In one embodiment, before the lender platform 10 sends the first deduction request to the sales platform according to the payment due in the repayment plan, the method further comprises: judging whether a claim fund provided by the insurance platform 20 for the agricultural products of the target peasant household exists; if the amount of the dividend money is less than the amount of the payable money in the repayment plan, deducting the dividend money; and generating a first deduction request according to the payable amount and the dividend.

In one embodiment, the borrower platform 10 generating the first deduction request based on the due payment and the dividend funds comprises: calculating a difference between the due amount and the dividend amount; and generating a first deduction request according to the difference between the payable amount and the dividend money, wherein the deduction amount included in the first deduction request is the difference between the payable amount and the dividend money.

In one embodiment, if the borrower platform 10 determines that there is a dividend provided by the insurance platform 20 and the amount of dividend provided by the insurance platform for the agricultural products of the target farmer is greater than the amount of accounts payable in the repayment plan, the borrower platform 10 deducts the accounts payable from the dividend; paying the reimbursement money after deducting the due money to the target peasant household; and sending payment prompt information to the sales platform, wherein the payment prompt information is used for instructing the sales platform to pay the money corresponding to the agricultural product to the target farmer under the condition that the sales platform receives the agricultural product of the target farmer.

In one embodiment, if the repayment mode in the repayment plan of the target farmer determined by the borrower platform 10 is direct repayment, the borrower platform sends a repayment request to the target farmer according to the accounts payable in the repayment plan; and receiving the money corresponding to the deduction amount paid by the target farmer in response to the repayment request.

In one embodiment, the agricultural supply chain management system shown in fig. 1 may further include a business management platform responsible for distributing and managing business between the target farmer, the insurance platform, the lender platform, and the sales platform. For example, an application, a loan application, and a sale application for an agricultural product by a target farmer may be first submitted to a service management platform, and the service management platform selects the target platform to perform a relevant operation according to a service type submitted by the target user.

In summary, the target farmer can implement the following operations by the agricultural supply chain management system shown in fig. 1: insuring the agricultural products using the loan amount from the lender platform 10, the target farmer selling the agricultural products to the sales platform 30 when the agricultural products are vendable; the target farmer may use some of the money sold for the agricultural product to cover the money credited from the borrower platform 10.

In the embodiment of the invention, when monitoring that the repayment time of the target farmer arrives and the target farmer selects an indirect repayment mode, the lender platform sends a first deduction request to the sales platform to prompt the sales platform to pay part of the money sold by the target farmer to the lender platform after receiving the agricultural products of the target farmer, the lender platform receives the corresponding money in the payment deduction request of the sales platform, and after the target farmer delivers the agricultural products to the sales platform, the sales platform can directly repay the agricultural products to the lender platform when the repayment time arrives, so that various user operations such as loan application, agricultural product sales and repayment are integrated in the agricultural supply management system to be executed, the user operation is simplified, and the working efficiency of each platform is improved.

Referring to fig. 2, which is a schematic flow chart of a repayment method according to an embodiment of the present invention, the repayment method shown in fig. 2 may be applied to the agricultural supply chain management system shown in fig. 1, and the agricultural supply chain management system may include a lender platform, an insurance platform, and a sales platform. The payment method as shown in fig. 2 may include:

s201, when it is monitored that the repayment time in the repayment plan of the target farmer arrives, the loan party platform determines a repayment mode corresponding to the target farmer.

In one embodiment, the target farmer refers to a farmer who applies insurance to an agricultural product through an insurance platform in an agricultural supply chain loan management system and pays a premium by making a loan from a lender platform. The target farmer can firstly register an account number of an agricultural supply chain management system, the agricultural supply chain management system verifies the registration information of the target farmer, and the verification content can include but is not limited to the identity information of the target farmer; if the agricultural supply chain management system passes the verification of the target farmer, the target farmer can log in the agricultural supply chain management system through the registered account number, and after the target farmer logs in the agricultural supply chain management system, the agricultural supply chain management system can apply for the agricultural products to be applied for insuring.

In one embodiment, the mode of insuring the agricultural product by the target farmer through the agricultural supply chain management system may be: target farmers submit insurance application to the insurance platform, and the insurance application can comprise identity information, agricultural product information, insurance application information, insurance payment mode and the like of the target farmers; the insurance platform checks the application for insurance, mainly checks whether the agricultural product belongs to the insurance object of the insurance platform, whether the identity information of the target farmer is valid, and the like, and if the check passes through the insurance platform, the insurance payment mode included in the application for insurance can be obtained; if the premium payment mode is direct payment, the insurance platform informs the target peasant household that the application for insurance application passes and prompts the target peasant household to pay the premium; and if the insurance fee payment mode is loan payment, the insurance platform sends a loan application to a loan party platform corresponding to the insurance application, wherein the loan application comprises information such as identity information, loan amount, repayment plan and the like of the target farmer, and if the loan application is approved by the loan party platform, the insurance fee is paid to the insurance platform, so that the target farmer finishes the operation of paying the insurance fee for the agricultural products and paying the insurance fee. In the above operation, the target farmer only needs to fill in correct identity information and application information, and the agricultural supply chain management system can implement application of insurance to the agricultural products of the target farmer, and pay the insurance premium through the premium payment mode selected by the target farmer, so that the application and speed of the target farmer are accelerated, and the time for applying insurance to the agricultural products is saved.

In one embodiment, if the insurance payment mode of the target farmer is loan payment, the insurance platform sends the notification information that the insurance application is passed to the target farmer to instruct the target farmer to apply for loan from the loan party platform and pay the insurance fee by the applied loan.

In one embodiment, the repayment plan of the target farmer may include repayment time, repayment mode, repayment amount and other information, where the repayment time refers to the time when the target user pays the loan corresponding to the repayment amount to the lender platform or the time when the lender platform deducts the loan corresponding to the repayment amount from the account of the target farmer. Alternatively, the repayment time in the repayment plan of the target farmer may be determined according to the raising period of the agricultural products. For example, assuming that the farm produce is raised for 3 months, that is, the farm produce is raised for 3 months and sold, the repayment time may be set to be one week or other time after the farm produce is raised. The repayment mode comprises direct repayment and indirect repayment, the direct repayment means that the target peasant household pays a money corresponding to the repayment amount to the lender platform, or the lender platform deducts a money corresponding to the repayment amount from an account of the target peasant household, the indirect repayment means that the target peasant household sells the agricultural products to the sales platform, and the sales platform pays the money corresponding to the repayment amount from the money corresponding to the agricultural products to the lender platform. And the sales platform pays the money corresponding to the repayment amount from the money corresponding to the agricultural products to the borrower platform, and then pays the remaining money to the target farmer.

And S202, if the repayment mode is indirect repayment, the loan party platform sends a first deduction request to the sales platform according to the accounts payable in the repayment plan.

In one embodiment, when it is monitored that the repayment time in the repayment plan of the target farmer arrives and the repayment mode of the target farmer is determined to be indirect repayment, the loan party platform can determine a deduction object of the indirect repayment of the target farmer according to a repayment protocol corresponding to the target farmer; after the deduction object is determined, the loan party platform generates a first deduction request and sends the first deduction request to the deduction object, so that the deduction object pays the deduction amount for the target peasant household.

In one embodiment, the deduction object can be any object registered in an agricultural supply chain management system, such as a sales platform or a processing product.

In one embodiment, an indirect repayment agreement can be signed among the borrower platform, the target farmer and the sales platform, and the agreement specifies that when the repayment mode selected by the target farmer is indirect repayment, if the repayment time of the target farmer is monitored to arrive, the borrower platform sends a repayment notice to the sales platform, and the sales platform pays the money corresponding to the repayment amount in the repayment notice to the borrower platform after receiving the agricultural products sold by the target farmer.

In one embodiment, the borrower platform may generate a first deduction request according to the accounts payable in the repayment plan, where the first deduction request may include a deduction amount and the identity information of the target farmer, and the deduction amount may be equal to the accounts payable or may be smaller than the accounts payable. For example, if the target farmer does not pay the loan to the lender platform before the repayment time in the repayment plan arrives, the deducted amount in the first deduction request at this time is equal to the amount due in the repayment plan; if the target farmer pays a portion of the payment to the lender platform in another way before the repayment time in the repayment plan arrives, the deducted amount in the first deduction request is less than the amount due in the repayment plan.

In one embodiment, after determining the payment mode of the target farmer, the method further comprises the following steps: if the repayment mode is direct repayment, the loan party platform sends a repayment request to the target peasant household according to the accounts payable in the repayment plan, wherein the repayment request comprises the deducted money amount; and receiving the money corresponding to the deduction amount paid by the target farmer in response to the repayment request. That is, if the target farmer loans on the loan party platform, the loan method agreed with the loan party platform may be direct repayment, and when it is monitored that the repayment time arrives, the loan party platform notifies the target farmer to pay the payable money.

And S203, the loan party platform receives the money corresponding to the deduction amount paid in response to the first deduction request after the sales platform receives the agricultural products of the target peasant household.

In one embodiment, after the lender platform sends the first deduction request to the sales platform, the sales platform may first determine whether the agricultural products of the target farmer are received, and determine whether to pay the lender with a payment corresponding to the deduction amount according to the determination result. In one embodiment, if the agricultural products of the target peasant household are received, paying the money corresponding to the deduction amount from the money corresponding to the agricultural products to the lender platform, and paying the rest money to the target peasant household; and if the sales platform does not receive agricultural products of the target farmer, the sales platform can refuse to pay the money corresponding to the deduction amount, and sends a first notification message of refusing repayment to the loan party platform, and the loan party platform executes other repayment operations according to the received first notification message of refusing repayment.

In one embodiment, the loan party platform performing other payment operations based on the received first notification message denying payment may include: receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural products of the target peasant household are not received; sending a second notification message that the sales platform refuses to pay to the target farmer; and receiving the payment due in the payment plan paid by the target peasant household after receiving the second notification message. That is, after receiving the first notification message of refusing to pay sent by the sales platform, the lender may generate a second notification message of refusing to pay according to the first notification message of refusing to pay and send the second notification message to the target farmer, and if the target farmer selects a direct repayment mode after receiving the second notification message of refusing to pay and pays the payable money in the repayment plan to the lender platform, the lender platform may not continue to send a deduction request to the sales platform after receiving the payable money paid by the target farmer.

In still another embodiment, the loan party platform performing other payment operations based on the received first notification message rejecting the payment may further comprise: receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural products of the target peasant household are not received; sending a second notification message that the sales platform refuses to pay to the target farmer so that the target farmer delivers the agricultural product to the sales platform; when receiving the confirmation operation that the agricultural products submitted by the target farmer are delivered to the sales platform, sending a second deduction request to the sales platform again according to the payable amount in the repayment plan, wherein the second deduction request comprises the deduction amount; and receiving the money corresponding to the deduction amount paid by the second deduction request after the sales platform receives the agricultural products of the target peasant household. In other words, after the first notification message of refusing repayment is received by the borrower platform, a second notification message of refusing repayment is sent to the target farmer to prompt the target farmer to deliver the agricultural product to the sales slip. After the target farmer submits the agricultural products to the sales platform, the sales platform sends a notification to the borrower platform that the target farmer has submitted the agricultural products. And after receiving the notification, the lender regenerates the second deduction request and sends the second deduction request to the sales platform so as to prompt the sales platform to pay the money corresponding to the deduction amount in the second deduction request.

In conclusion, after the loan party platform sends the first deduction request to the sales platform, if the sales platform receives the agricultural products of the target peasant household, the loan party receives the money corresponding to the deduction amount paid by the sales platform; if the sales platform does not receive agricultural products of the target peasant household, the sales platform can send a deduction refusal notice to the loan party platform, so that the loan party platform can inform the target peasant household of payment failure, and the target peasant household can pay accounts due in the payment amount by selecting other payment operations.

Referring to fig. 3, which is a schematic flow chart of another payment method provided in an embodiment of the present invention, the payment method shown in fig. 3 may be applied to the agricultural supply chain management system shown in fig. 1, and the payment method shown in fig. 3 may include:

s301, when it is monitored that the repayment time in the repayment plan of the target farmer arrives, the loan party platform determines the repayment mode corresponding to the target farmer.

Optionally, some possible implementations included in step S301 may refer to the description of the relevant steps in the embodiment shown in fig. 2, and are not described herein again.

And S302, if the repayment mode is indirect repayment, the loan party platform judges whether or not there is any compensation provided by the insurance platform for the agricultural products of the target peasant household.

In one embodiment, the indirect repayment means that the target user sends a first deduction request to the sales platform by selling the agricultural products to the sales platform, and then the sales platform pays a part of money corresponding to the agricultural products to the loan platform to complete the repayment. In one embodiment, the loan party platform sends the first deduction request to the sales company, where the first deduction request includes a deduction amount, and the deduction amount corresponds to an amount equal to or smaller than the amount due. The condition that the money corresponding to the deducted money amount is less than the payable money is that: the target farmer has paid a portion of the accounts payable otherwise at or before the time of payment. In the implementation of the invention, other modes are that the target peasant household deducts a part of the payable amount through the reimbursement fund of the insurance platform. Therefore, before the lender platform generates the first deduction request according to the payable amount, whether the insurance platform provides the reimbursement funds for the agricultural products of the target peasant household can be judged.

In one embodiment, the insurance platform refers to an insurance platform for the target farmer to apply insurance to the agricultural product, and the target farmer can apply insurance to the agricultural product through the insurance platform in the following manner: target farmers submit insurance application to the insurance platform, wherein the insurance application can include identity information of the target farmers, agricultural product information such as quantity and quality of agricultural products and insurance information such as insurance application duration and the like; after the insurance platform passes the application of insurance application, the insurance platform can calculate insurance fee according to the information such as quantity and quality of agricultural products, and combine the information of paying to generate insurance confirmation information and send the insurance confirmation information to the target peasant household; and if the target farmer can receive the premium required by the insurance platform and agree with the claim condition and the amount of the insurance platform, paying the premium until the target farmer successfully applies insurance to the agricultural products. In embodiments of the invention, the target farmer may pay a premium to the insurance platform by loan to the lender platform.

In one embodiment, if the agricultural products of the target farmer meet the claim condition within the application time, the insurance platform provides the target farmer with the claim payment amount agreed in advance. In one embodiment, the manner of the lender platform determining whether there is any dividend provided by the insurance platform for the agricultural products of the target farmer may be: the loan party platform can send a query message to the target farmer for querying whether the insurance platform provides the paying money for the agricultural products of the target farmer; if the target farmer account has the pay amount paid by the insurance platform, or the target farmer determines that the application for pay has been submitted to the insurance platform and the application for pay passes but the pay amount has not been received, a confirmation message of the pay amount can be sent to the lender platform, and the confirmation message can carry the amount of the pay amount.

In another embodiment, the manner for the lender platform to determine whether there is any fund for paying the agricultural products of the target farmer by the insurance platform may be further: the loan party platform determines an insurance platform corresponding to the target farmer; sending a query message to the insurance platform for confirming to the insurance platform whether the insurance platform provides the target peasant household with the claims and payments; and after receiving the query message, the insurance platform queries the historical claims data, and if the claims information of the target farmer is queried, sending a confirmation message to the lender platform according to the claims information of the target farmer, wherein the confirmation message comprises information such as time for providing claims and payment for agricultural products of the target farmer, the claim and payment amount, whether the claims and payment are paid to the target farmer and the like.

And S303, if the amount of the dividend fund is less than the amount of the payable money in the repayment plan, the loan party platform deducts the dividend fund.

S304, the loan party platform generates a first deduction request according to the payable money and the dividend fund, and sends the first deduction request to the sales platform.

In one embodiment, when the lender platform determines that there is a payout that the insurance platform provides for the agricultural produce of the target farmer, it may further determine whether the amount of the payout is less than the amount of the accounts payable in the repayment plan: if the amount of the dividend is less than the amount of the payable in the repayment plan, the lender platform may deduct the dividend to deduct part of the payable, then generate a first deduction request according to the payable and the dividend, and send the first deduction request to the sales platform. That is, if the lender platform determines that the insurance platform provides the target farmer's funds for reimbursement, if the funds for reimbursement is less than the accounts payable in the repayment plan, the funds for reimbursement are deducted to deduct a portion of the accounts payable, and the remaining accounts payable are notified to the sales platform for payment.

In one embodiment, the borrower platform generates a first deduction request based on the due payment and the dividend funds, comprising: calculating a difference between the due amount and the dividend amount; and generating a first deduction request according to the difference between the payable amount and the dividend money, wherein the deduction amount included in the first deduction request is the difference between the payable amount and the dividend money. For example, assuming that the amount due in the repayment plan is 20000 and the amount paid is 5000, the difference between the amount due and the amount paid is 15000, which is the amount the sales platform should pay, i.e. the first deducted amount.

In one embodiment, if the borrower platform determines that there is any payoff provided by the insurance platform for the agricultural products of the target farmer and the amount of the payoff provided by the insurance platform for the agricultural products of the target farmer is greater than the amount of the payable money in the repayment plan, the borrower platform deducts the payable money from the payoff; paying the reimbursement money after deducting the due money to the target peasant household; and sending payment prompt information to the sales platform for instructing the sales platform to pay the money corresponding to the agricultural product to the target farmer under the condition that the agricultural product of the target farmer is received. In other words, if the insurance platform has the payoff of the agricultural product of the target farmer, the insurance platform can pay the payoff to the borrower platform, and if the amount of the payoff provided by the insurance platform for the agricultural product of the target farmer is greater than the payoff, the payoff is sufficient for the target farmer to clear the payoff, so that the borrower platform deducts the payoff from the payoff. After the borrower deducts the due amount, the remaining amount of the pay money is left, and the remaining amount of the pay money belongs to the target peasant household.

In one embodiment, the reimbursement provided by the insurance platform for the target farmer may also be stored in the insurance platform or in an account of the target farmer. If the pay-off provided by the insurance platform for the target peasant household is stored in the insurance platform, after the borrower platform deducts the due payment from the pay-off, payment prompting information can be sent to the insurance platform for prompting the insurance platform to pay the remaining pay-off to the target peasant household.

In one embodiment, if the payout amount is greater than the payable amount, it is stated that the borrower platform can deduct all payable amounts from the payout amount, at which point the borrower platform does not have to send the first deduction request to the sales platform. In this case, the lender platform may send payment prompt information to the sales platform, where the payment prompt information is used to prompt the sales platform that the accounts payable in the repayment plan of the target farmer are cleared, and if receiving the agricultural products delivered by the target farmer, the loan of the agricultural products is completely delivered to the target farmer.

In one embodiment, the reimbursement provided by the insurance platform for the agricultural produce of the target farmer may be stored in the insurance platform or in an account of the target farmer. If the pay money is stored in the insurance platform, the loan party platform can send a payment deduction notice to the insurance platform after deducting the payable money from the pay money, and the insurance platform can pay the remaining pay money after deducting the payable money to the target peasant household after receiving the payment deduction notice.

S305, the loan party platform receives the money corresponding to the deduction amount paid in response to the first deduction request after the sale platform receives the agricultural products of the target peasant household.

Optionally, some possible implementations in step S305 may refer to descriptions of related steps in fig. 2, and are not described herein again.

In the embodiment of the invention, the loan side platform judges whether or not there is a compensation fund provided by the insurance platform for agricultural products of the target farmer when the payment time of the target farmer is monitored to arrive and the target farmer selects an indirect payment mode. When the payable money exists and the amount of the payable money is smaller than the payable money in the repayment plan, a first deduction request is generated and sent to the sales platform to prompt the sales platform to pay one of the money of the agricultural products sold by the target farmer to the lender platform after receiving the agricultural products of the target farmer, the corresponding money in the deduction request paid by the sales platform is received by the lender platform, the lender platform and the sales platform are fused, and after the agricultural products are delivered to the sales platform by the target farmer, the sales platform can directly repay the money to the lender platform, so that the repayment operation of the user is simplified, and the repayment processing efficiency is improved.

Referring to fig. 4, a schematic structural diagram of a payment apparatus according to an embodiment of the present invention is shown in fig. 4, where the payment apparatus may include: determination unit 401, transmission unit 402, and reception unit 403:

the determining unit 401 is configured to determine a payment mode corresponding to the target farmer when it is monitored that the payment time in the payment plan of the target farmer arrives;

a sending unit 402, configured to send a first deduction request to a sales platform according to an account due in a repayment plan if the repayment mode is indirect repayment, where the first deduction request includes a deduction amount, and the sales platform is used to purchase an agricultural product of a target farmer;

the receiving unit 403 is configured to receive a money corresponding to the deduction amount paid in response to the first deduction request after the sales platform receives the agricultural product of the target farmer.

Optionally, the receiving unit 403 is further configured to receive a first notification message that the sales platform refuses to pay and is sent in response to the first deduction request under the condition that the agricultural product of the target farmer is not received;

the sending unit 402 is further configured to send a second notification message that the sales platform refuses to pay to the target farmer;

and the receiving unit 403 is further configured to receive the payment due in the payment plan paid by the target farmer after receiving the second notification message.

a sending unit 402, configured to send a second notification message that the sales platform refuses to pay the payment to the target farmer, so that the target farmer delivers the agricultural product to the sales platform;

the sending unit 402 is further configured to send a second deduction request to the sales platform again according to the payable amount in the repayment plan when the receiving unit receives a confirmation operation that the agricultural product submitted by the target farmer is delivered to the sales platform, where the second deduction request includes a deduction amount;

the receiving unit 403 is further configured to receive a money corresponding to the deduction amount paid by the sales platform in response to the second deduction request after receiving the agricultural product of the target farmer.

Optionally, the agricultural supply chain management system further includes an insurance platform, and the payment device further includes a determining unit 404, a deducting unit 405, and a generating unit 406:

a determining unit 404, configured to determine whether there is a reimbursement provided by the insurance platform for the agricultural product of the target farmer;

a deduction unit 405, configured to deduct the dividend if the determination unit determines that the dividend has the dividend and the amount of the dividend is less than the amount of the payable in the repayment plan;

the generating unit 406 is configured to generate a first deduction request according to the payable amount and the dividend fund.

Optionally, the generating unit 406 is specifically configured to:

calculating a difference between the due amount and the dividend amount;

Optionally, the payment apparatus further includes a payment unit 407:

if the determining unit 404 determines that there is a payout amount provided by the insurance platform for the agricultural product of the target farmer, and the amount of the payout amount is greater than the amount of the payable amount in the repayment plan, the deducting unit 405 deducts the payable amount from the payout amount;

a payment unit 407, configured to pay the payment amount with the due amount deducted to the target farmer;

a sending unit 402, configured to send prompt information to the sales platform, where the payment prompt information is used to instruct the sales platform to pay the money corresponding to the agricultural product to the target farmer when the sales platform receives the agricultural product of the target farmer.

Optionally, the payment apparatus further includes:

the sending unit 402 is further configured to send a repayment request to the target farmer according to the payable amount in the repayment plan if the repayment mode is direct repayment, where the repayment request includes a deducted amount;

the receiving unit 403 is further configured to receive a money corresponding to the deduction amount paid by the target farmer in response to the repayment request.

In the embodiment of the present invention, when it is monitored that the repayment time of the target farmer arrives, the determining unit 401 determines the repayment mode in the repayment plan of the target farmer. When the determining unit 401 determines that the repayment mode is indirect repayment, the sending unit 402 sends a first deduction request to the sales platform to prompt the sales platform to pay one of the money of the agricultural product sold by the target farmer to the lender platform after receiving the agricultural product of the target farmer, the receiving unit 403 receives the money corresponding to the payment deduction request from the sales platform, the lender platform and the sales platform are integrated, and after the agricultural product is delivered to the sales platform by the target farmer, the sales platform can directly repay the loan platform, so that the repayment operation of the user is simplified, and the repayment processing efficiency is improved.

It can be understood that the functions of each functional unit and unit of the payment apparatus of this embodiment may be specifically implemented according to the method in the method embodiment shown in fig. 2, and the specific implementation process may refer to the related description of the method embodiment shown in fig. 2, which is not described herein again.

Referring to fig. 5, a schematic block diagram of a server according to an embodiment of the present invention is shown. The server in the embodiment shown in fig. 5 corresponds to the loan party platform in the foregoing, and the server may include: one or more processors 501; one or more network interfaces 502 and a memory 503. The processor 501, the network interface 502, and the memory 503 are connected by a bus 504. The memory 503 is used to store computer programs comprising program instructions, and the processor 501 is used to execute the program instructions stored by the memory 503. Wherein the processor 501 is configured to invoke program instructions to perform:

Optionally, after sending the first deduction request to the sales platform according to the payable amount in the repayment plan, the processor 501 is configured to invoke the program instructions to further perform:

Optionally, the agricultural supply chain management system further includes an insurance platform, and before sending the first deduction request to the sales platform according to the payable amount in the repayment plan, the processor 501 is configured to invoke the program instructions to further perform:

Optionally, the first deduction request is generated according to the payable amount and the reimbursement fund, and the processor 501 is configured to invoke the program instructions to specifically perform:

calculating a difference between the due amount and the dividend amount;

Optionally, the processor 501 is configured to invoke the program instructions to further perform:

Optionally, after determining the repayment mode of the target farmer, the processor 501 is configured to call the program instructions to further perform:

It should be understood that, in the embodiment of the present invention, the Processor 501 may be a Central Processing Unit (CPU), and the Processor may also be other general processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The network interface 502 is used to receive or transmit data when connecting to a network.

The memory 503 may include both read-only memory and random access memory, and provides instructions and data to the processor 501. A portion of the memory 503 may also include non-volatile random access memory. For example, the memory 503 may also store information of device types.

In a specific implementation, the processor 501 described in this embodiment of the present invention may execute the implementation described in the payment method embodiment provided in fig. 2, and may also execute the implementation of the payment apparatus described in fig. 4, which is not described herein again.

In an embodiment of the present invention, there is provided a computer-readable storage medium storing a computer program, the computer program comprising program instructions that when executed by a processor implement:

Optionally, after sending the first deduction request to the sales platform according to the payable amount in the repayment plan, the program instructions when executed by the processor further implement:

Optionally, the agricultural supply chain management system further includes an insurance platform, and before sending the first deduction request to the sales platform according to the payable amount in the repayment plan, the program instructions when executed by the processor further implement:

Optionally, the first deduction request is generated according to the payable amount and the reimbursement funds, and the program instructions when executed by the processor further implement:

calculating a difference between the due amount and the dividend amount;

Optionally, the program instructions when executed by the processor further implement:

Optionally, after determining the repayment mode of the target farmer, the program instructions when executed by the processor further implement:

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, and the program can be stored in a computer readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.

While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

1. A repayment method is applied to an agricultural supply chain management system, the agricultural supply chain management system comprises a lender platform and a sale platform, and the method comprises the following steps:

when the payment time in the payment plan of the target farmer is monitored to reach, determining a payment mode corresponding to the target farmer;

if the repayment mode is indirect repayment, sending a first deduction request to the sales platform according to the payable money in the repayment plan, wherein the first deduction request comprises deduction amount, and the sales platform is used for purchasing agricultural products of the target peasant household;

and receiving the money corresponding to the deduction amount paid by the first deduction request after the selling platform receives the agricultural products of the target peasant household.

2. The method of claim 1, wherein after sending a first deduction request to the sales platform based on the amount due in the payment plan, the method further comprises:

receiving a first notification message which is sent by the sales platform in response to the first deduction request and refuses to repay under the condition that the agricultural product of the target farmer is not received;

receiving the payment due in the repayment plan paid by the target farmer after receiving the second notification message.

3. The method of claim 1, wherein after sending a first deduction request to the sales platform based on the amount due in the payment plan, the method further comprises:

sending a second notification message that the sales platform refuses to pay to the target farmer, so that the target farmer delivers the agricultural product to the sales platform;

when receiving a confirmation operation that the agricultural product submitted by the target farmer is delivered to the sales platform, sending a second deduction request to the sales platform again according to the payable amount in the repayment plan, wherein the second deduction request comprises the deduction amount;

and receiving the money corresponding to the deduction amount paid by the second deduction request after the selling platform receives the agricultural products of the target peasant household.

4. The method according to claim 1, wherein the agricultural supply chain management system further comprises an insurance platform, and before sending the first deduction request to the sales platform according to the amount due in the repayment plan, the method further comprises:

judging whether a reimbursement fund provided by the insurance platform for the agricultural product of the target farmer exists;

and generating a first deduction request according to the payable amount and the dividend fund.

5. The method of claim 4, wherein generating a first deduction request based on the payable amount and the reimbursement funds comprises:

calculating a difference between the due and the dividend;

6. The method according to claim 4 or 5, characterized in that the method further comprises:

if the sum of the dividend provided by the insurance platform for the agricultural products of the target peasant household is larger than the sum of the payable in the repayment plan, deducting the payable from the dividend;

paying the reimbursement money after deducting the due money to the target farmer;

7. The method according to claim 1, wherein after determining the repayment method for the target farmer, the method further comprises:

8. A payment apparatus, wherein the payment apparatus is applicable to an agricultural supply chain management system, the agricultural supply chain management system comprises a lender platform and a sale platform, and the apparatus comprises:

the system comprises a determining unit, a payment processing unit and a payment processing unit, wherein the determining unit is used for determining a payment mode corresponding to a target farmer when the payment time in a payment plan of the target farmer is monitored to be reached;

a sending unit, configured to send a first deduction request to the sales platform according to an account due in the repayment plan if the repayment mode is indirect repayment, where the first deduction request includes a deduction amount, and the sales platform is configured to purchase an agricultural product of the target farmer;

and the receiving unit is used for receiving the money corresponding to the deduction amount paid in response to the first deduction request after the agricultural product of the target farmer is received by the sales platform.

9. A server, comprising: a processor, a network interface and a memory, the processor, the network interface and the memory being interconnected, the memory for storing a computer program, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the payment method of any one of claims 1-7.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program comprising program instructions that, when executed by a processor, cause the processor to perform a payment method according to any one of claims 1-7.