CN111415145A - Processing method and device for deduction service and electronic equipment - Google Patents
Processing method and device for deduction service and electronic equipment Download PDFInfo
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Abstract
The embodiment of the specification relates to a processing method and device for deduction service and electronic equipment. The method comprises the following steps: acquiring account information to be deducted and deduction plan amount; when deduction of a deduction plan amount from an account to be deducted fails, dividing the deduction plan amount into a plurality of deduction execution amounts; deducting the deduction execution amount from the account to be deducted; storing each deduction execution amount successfully deducted into a fund transfer account; and when the deduction execution amount in the fund transition account is equal to the deduction plan amount, transferring the amount in the fund transition account to a target account. Therefore, the problem of low success rate of the whole deduction is solved by reducing the deduction amount and deducting the assets in different accounts of the user to the fund transition account.
Description
Technical Field
The embodiment of the present specification relates to the technical field of service processing, and more particularly, to a processing method of a deduction service, a processing apparatus of a deduction service, an electronic device, and a computer-readable storage medium.
Background
Automatic deduction services, such as automatic payment of credit card, automatic deduction of insurance fee, etc., usually use a bank or a third party platform to deduct the corresponding amount from the account set by the user at the appointed time or period. However, if the balance in the user's account is less than the amount to be deducted, a debit failure may result. Therefore, a new processing method for deduction business is needed.
Disclosure of Invention
An object of the embodiments of the present specification is to provide a new technical solution for processing deduction services.
According to a first aspect of the embodiments of the present specification, there is provided a processing method of a deduction service, including:
acquiring account information to be deducted and deduction plan amount;
dividing the deduction plan amount into a plurality of deduction execution amounts;
deducting the deduction execution amount from the account to be deducted corresponding to the account information to be deducted;
storing each deduction execution amount successfully deducted into a fund transfer account;
and when the deduction execution amount in the fund transition account is equal to the deduction plan amount, transferring the amount in the fund transition account to a target account.
Optionally, the information of the account to be deducted at least includes a plurality of accounts to be deducted and a deduction sequence of the plurality of accounts to be deducted.
Optionally, the deducting the deduction execution amount from the account to be deducted includes:
and deducting the deduction execution amount from the accounts to be deducted in sequence according to the deduction sequence.
Optionally, the step of deducting the deduction execution amount from the accounts to be deducted in sequence according to the deduction sequence includes:
deducting the deduction execution amount from the account to be deducted, which is ranked first in the deduction sequence;
and if the deduction fails, deducting the deduction execution amount from the account to be deducted, which is sorted in the second deduction sequence, and sequentially circulating until a preset deduction supplementing date is reached.
Optionally, wherein before the step of transferring the amount in the fund transfer account to the target account when the deduction execution amount in the fund transfer account is equal to the deduction plan amount, the method further comprises:
determining whether a total deduction execution amount in the fund transition account is equal to the deduction plan amount;
if the total deduction execution amount in the fund transition account is smaller than the deduction plan amount, judging whether a preset deduction supplementing date is reached;
if the preset deduction supplementing date is reached, returning the deduction execution amount in the fund transition account to the corresponding account to be deducted according to a deduction path;
and if the preset deduction supplementing date is not reached, repeatedly executing the step of sequentially deducting the deduction execution amount from the account to be deducted according to the deduction sequence.
Optionally, the step of obtaining the information of the account to be deducted and the deduction plan amount includes:
receiving a deduction request of a deduction service initiator, wherein the deduction request at least comprises user information, the deduction plan amount and target account information;
and obtaining the deduction plan amount from the deduction request, and determining the account information to be deducted according to the user information.
Optionally, before the step of dividing the deduction plan amount into a plurality of deduction execution amounts, the method further includes:
deducting the deduction plan amount from the account to be deducted;
if the deduction fails, dividing the deduction plan amount into a plurality of deduction execution amounts;
and if the deduction is successful, transferring the deducted deduction plan amount to the target account.
According to a second aspect of the embodiments of the present specification, there is also provided a processing apparatus for deduction service, including:
the acquisition module is used for acquiring account information to be deducted and deduction plan amount;
the division module is used for dividing the deduction plan amount into a plurality of deduction execution amounts;
the deduction module is used for deducting the deduction execution amount from the account to be deducted corresponding to the account information to be deducted;
the storage module is used for storing each deduction execution amount which is successfully deducted into a fund transition account;
and the transfer module is used for transferring the amount in the fund transition account to a target account when the deduction execution amount in the fund transition account is equal to the deduction plan amount.
According to a third aspect of the embodiments of the present specification, there is provided an electronic device including the processing apparatus of the deduction service according to the second aspect of the embodiments of the present specification, or the electronic device includes:
a memory for storing executable commands;
a processor, configured to execute the processing method of the deduction service according to any one of the first aspect of the embodiments of the present specification under the control of the executable command.
According to a fourth aspect of the embodiments of the present specification, there is further provided a computer-readable storage medium storing executable instructions, which when executed by a processor, perform the processing method of the deduction service according to the first aspect of the embodiments of the present specification.
One beneficial effect of the embodiment of the present specification is that the method of the embodiment obtains the information of the account to be deducted and the deduction plan amount; when deduction of a deduction plan amount from an account to be deducted fails, dividing the deduction plan amount into a plurality of deduction execution amounts; deducting the deduction execution amount from the account to be deducted; storing each deduction execution amount successfully deducted into a fund transfer account; and when the deduction execution amount in the fund transition account is equal to the deduction plan amount, transferring the amount in the fund transition account to a target account. Therefore, the problem of low success rate of the whole deduction is solved by reducing the deduction amount and deducting the assets in different accounts of the user to the fund transition account.
Other features of embodiments of the present specification and advantages thereof will become apparent from the following detailed description of exemplary embodiments thereof, which proceeds with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description, serve to explain the principles of the embodiments of the specification.
Fig. 1 is a schematic view of an application scenario of a processing method of a deduction service according to an embodiment of the present specification;
fig. 2 is a block diagram showing a hardware configuration of a server 1000 that can implement an embodiment of the present invention;
fig. 3 is a flowchart of a processing method of a deduction service according to an embodiment of the present specification;
FIG. 4 is a flow chart of an example according to an embodiment of the present description;
FIG. 5 is a functional block diagram of a processing device for deduction services according to an embodiment of the present disclosure;
FIG. 6 illustrates a functional block diagram of an electronic device in accordance with an embodiment of the present description.
Detailed Description
Various exemplary embodiments of the present specification will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the embodiments of the present specification unless specifically stated otherwise.
The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the embodiments, their application, or uses.
Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.
In all examples shown and discussed herein, any particular value should be construed as merely illustrative, and not limiting. Thus, other examples of the exemplary embodiments may have different values.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.
< hardware configuration >
Fig. 1 is a schematic view of an actual scene of a processing method of a deduction service in an embodiment of the present specification.
Referring to fig. 1, in a processing scenario of the deduction service, an initiator of the deduction service is an insurance agency, and a third-party platform receives a commission of the insurance agency to deduct a premium of a user. Meanwhile, the third-party platform and the user sign an automatic deduction protocol, and the third-party platform is appointed in the automatic deduction protocol to automatically deduct insurance fees from a plurality of accounts to be deducted of the user according to a deduction sequence set by the user.
And initiating a deduction request to the third-party platform by the insurance agency on the appointed deduction date, wherein the deduction request comprises user information, deduction plan amount and target account information. The third-party platform can acquire account information to be deducted of the user according to the user information, wherein the account information to be deducted comprises a plurality of accounts to be deducted and deduction sequences of the accounts to be deducted. The target account information is an account of the insurance institution.
And after receiving the deduction request, the third-party platform deducts the deduction plan amount from the account to be deducted set by the user after acquiring the information of the account to be deducted and the deduction plan amount, and if the deduction is successful, the third-party platform directly transfers to the target account. And if the deduction is failed, averagely dividing the deduction plan amount into N portions, deducting one portion from the first account to be deducted according to the set deduction sequence, if the deduction is successful, putting the deducted amount into the fund transition account, and repeating the operation. And if the deduction fails, deducting one part from the second account to be deducted, and the like until the preset deduction supplementing date is reached.
And after the preset deduction date is reached, if the sum in the fund transitional account reaches the deduction plan sum, the sum is integrally settled to the insurance mechanism, and if the sum does not reach the deduction plan sum, the sum is returned to the account to be deducted of the user according to the deduction route.
Fig. 2 is a block diagram showing a hardware configuration of a server 1000 that can implement an embodiment of the present invention.
Server 1000 may be, for example, a blade server or the like.
In one example, server 1000 may be a computer.
In another example, the server 1000 may be as shown in fig. 2, including a processor 1100, a memory 1200, an interface device 1300, a communication device 1400, a display device 1500, an input device 1600. Although the server may also include speakers, microphones, etc., these components are not relevant to the present invention and are omitted here.
The processor 1100 may be, for example, a central processing unit CPU, a microprocessor MCU, or the like. The memory 1200 includes, for example, a ROM (read only memory), a RAM (random access memory), a nonvolatile memory such as a hard disk, and the like. The interface device 1300 includes, for example, a USB interface, a serial interface, and the like. Communication device 1400 is capable of wired or wireless communication, for example. The display device 1500 is, for example, a liquid crystal display panel. The input device 1600 may include, for example, a touch screen, a keyboard, and the like.
In this embodiment, the server 1000 is configured to obtain information of an account to be deducted and a deduction plan amount; dividing the deduction plan amount into a plurality of deduction execution amounts; deducting the deduction execution amount from the account to be deducted corresponding to the account information to be deducted; storing each deduction execution amount successfully deducted into a fund transfer account; and when the deduction execution amount in the fund transition account is equal to the deduction plan amount, transferring the amount in the fund transition account to a target account.
The servers shown in fig. 2 are merely illustrative and are in no way meant to limit the invention, its applications, or uses. In an embodiment of the present invention, the memory 1200 of the server 1000 is used to store instructions for controlling the processor 1100 to operate so as to execute any processing method of a deduction service provided by the embodiment of the present invention.
It should be understood by those skilled in the art that although a plurality of devices are shown for the server 1000 in fig. 1, the present invention may only relate to some of the devices, for example, only the processor 1100 and the storage device 1200 of the server 1000. The skilled person can design the instructions according to the disclosed solution. How the instructions control the operation of the processor is well known in the art and will not be described in detail herein.
< method examples >
The embodiment provides a processing method of a deduction service, which may be executed by a server 1000 as shown in fig. 2, for example, where the server 1000 belongs to a third-party platform.
As shown in FIG. 3, the method includes the following steps 2000-2800:
The information of the account to be deducted at least comprises a plurality of accounts to be deducted and the deduction sequence of the accounts to be deducted. The deduction plan amount is a total amount to be deducted from the account to be deducted of the user, for example, a total amount to be paid by a credit card, a total amount of the premium to be paid at this time, and the like.
The server 1000 obtains the information of the account to be deducted and the deduction plan amount according to the received deduction request of the deduction service initiator. Specifically, the server 1000 receives a deduction request of a deduction service initiator, where the deduction request at least includes user information, the deduction plan amount and target account information; and obtaining the deduction plan amount from the deduction request, and determining the account information to be deducted according to the user information.
For example, the deduction plan amount obtained by the server 1000 is 1000 yuan, the information of the account to be deducted determined according to the user information includes an account a to be deducted, an account B to be deducted, and the deduction sequence is account a to be deducted, account C to be deducted, and account B to be deducted.
In practical applications, in order to reduce the number of times of calling system deduction and avoid wasting resources, the server 1000 first tries to deduct the deduction plan amount from each account to be deducted at one time. Specifically, the server 1000 deducts the deduction plan amount from the account to be deducted; if the deduction is successful, transferring the deducted plan amount to the target account. If the deduction fails, the server 1000 divides the deduction plan amount into a plurality of deduction execution amounts.
For example, the deduction plan amount is 1000 yuan, and the server 1000 may divide the 1000 yuan into 10 shares on average when attempting to deduct the 1000 yuan once from the account to be deducted of the user, that is, the deduction execution amount per share is 100 yuan. Therefore, the money deduction success rate is improved by reducing the money deduction amount each time.
And 2400, deducting the deduction execution amount from the account to be deducted corresponding to the account information to be deducted.
In this step, the server 1000 may specifically deduct the deduction execution amount from the accounts to be deducted in sequence according to the deduction sequence. Specifically, the server 1000 may deduct the deduction execution amount from the account to be deducted, which is ranked first in the deduction order; and if the deduction is failed, deducting the deduction execution amount from the account to be deducted which is sorted to be the second in the deduction sequence, and sequentially circulating until a preset deduction supplementing date is reached.
For example, there are three accounts to be deducted for a user: the account A to be deducted, the account B to be deducted and the account C to be deducted, wherein the deduction sequence is the account A to be deducted, the account C to be deducted and the account B to be deducted. The deduction plan amount is 1000 yuan, and the server 1000 divides the 1000 yuan into 10 shares on average, that is, the deduction execution amount per share is 100 yuan. Suppose that the balance in the account a to be deducted of the user is 400 yuan, the balance in the account B to be deducted is 100 yuan, and the balance in the account C to be deducted is 500 yuan.
According to the deduction sequence, the server 1000 deducts the deduction execution amount of the 1 st part from the account A to be deducted, the deduction is successful, and deducts the deduction execution amounts of the 2 nd part, the 3 rd part and the 4 th part from the account A to be deducted continuously, which all prompt that the deduction is successful. When the server 1000 deducts the 5 th deduction execution amount from the account a to be deducted, if the deduction is failed, deduct the 5 th deduction execution amount from the account B to be deducted according to the deduction sequence, repeat the operation, that is, deduct the 6 th, 7 th, 8 th and 9 th deduction execution amounts from the account B to be deducted continuously until the deduction is failed at the 10 th time, at this time, the server 1000 deducts the 10 th deduction execution amount from the account C to be deducted.
It should be noted that, if the server 1000 fails to deduct the 10 th deduction execution amount from the account C to be deducted, the above operations are repeated every day according to a preset time period, for example, every 1 hour, until the deduction is successful or the preset deduction date is reached.
And 2600, storing each deduction execution amount successfully deducted into the fund transfer account.
The fund transfer account is, for example, an account of the third party platform, and is used for temporarily storing each deduction successful deduction execution amount corresponding to the user. For example, in the fund transfer account, the deduction execution amount of the user a is 600 yuan, the deduction execution amount of the user B is 1000 yuan, and the like are temporarily stored.
At step 2800, when the deduction execution amount in the fund transfer account equals the deduction plan amount, the amount in the fund transfer account is transferred to the target account.
Further, the server 1000 may determine whether the total deduction execution amount of the user in the fund transfer account is equal to the deduction plan amount after storing each deduction execution amount, so as to determine how to process the amount in the fund transfer account.
And if the total deduction execution amount is judged to be equal to the deduction plan amount, transferring the total deduction execution amount of the user to the target account.
If the total deduction execution amount in the fund transition account is determined to be smaller than the deduction plan amount, the server 1000 may further determine whether a predetermined deduction date is reached. If the preset deduction date is reached, returning the deduction execution amount in the fund transition account to the corresponding account to be deducted according to the deduction path; if the preset deduction date is not reached, the step of deducting the deduction execution amount from the account to be deducted in sequence according to the deduction sequence is repeatedly executed.
For example, if the deduction plan amount of the user a is 1000 yuan, at this time, the deduction execution amount of the user a in the fund transition account is 600 yuan, and the server 1000 determines that the total deduction execution amount in the fund transition account is smaller than the deduction plan amount, further determines whether a preset deduction date is reached, and if so, the server 1000 returns the 600 yuan in the fund transition account to the account to be deducted of the user a according to the original deduction path; if not, before the preset deduction date is reached, the operation in the step 2400 is repeatedly executed until the preset deduction date is reached, or until the deduction execution amount in the fund transition account is judged to be 1000 yuan, the 1000 yuan is transferred to an account provided by a deduction service initiator, namely the account is transferred to a target account, and the deduction service is completed.
For another example, if the deduction plan amount of the user B is 600 yuan, and the deduction execution amount of the user B in the fund transition account is 600 yuan at this time, the server 1000 determines that the total deduction execution amount in the fund transition account is equal to the deduction plan amount, transfers the 600 yuan to an account provided by the deduction service initiator, that is, to the target account, and completes the deduction service this time.
< example >
FIG. 4 is a flow chart of an example according to an embodiment of the present description. In this example, the insurance agency initiates the insurance deduction service.
Assuming that the insurance premium of the user is 1000 yuan, the user sets 2 accounts A and B to be deducted, the deduction sequence is that money is firstly deducted from the account A to be deducted, and when the balance in the account A to be deducted is insufficient, money is deducted from the account B to be deducted.
As shown in fig. 4, this example may include the following steps 3000 to 3900:
The insurance deduction request at least comprises user information, the deduction plan amount of 1000 yuan and target account information, such as account number of insurance institution.
And 3100, the server acquires the deduction plan amount and account information to be deducted corresponding to the user information according to the received insurance deduction request.
The information of the account to be deducted at least comprises a plurality of accounts to be deducted and the deduction sequence of the accounts to be deducted.
In step 3200, the server deducts the deduction plan amount from the account to be deducted, if the deduction is successful, step 3800 is executed, and if the deduction is unsuccessful, step 3300 is executed.
In step 3300, the server divides the deduction plan amount into a plurality of deduction execution amounts.
For example, the server divides the deduction plan amount into 5 shares. That is, the deduction execution amount per share is 200 yuan.
At step 3400, the server determines whether deduction of 1 deduction execution amount from the account to be deducted in the deduction order is successful. If not, go to 3500, and if so, go to 3600.
In this example, the server deducts 1 deduction execution amount of 200 yuan from the account A to be deducted each time.
At step 3600, the server stores the deduction successful deduction execution amount in the fund transfer account.
At step 3700, the server determines if the total deduction execution amount in the fund transfer account is equal to the deduction plan amount. If not, go to 3400, if so, go to 3800.
At step 3800, the server transfers the amount in the funds transfer account to the target account provided by the insurance institution.
And 3900, returning the deduction execution amount in the fund transition account to the corresponding account to be deducted according to the deduction path.
The method of the present embodiment has been described above with reference to the accompanying drawings and specific examples. The server acquires the account information to be deducted and the deduction plan amount; when deduction of the deduction plan amount from the account to be deducted fails, dividing the deduction plan amount into a plurality of deduction execution amounts; deducting the deduction execution amount from the account to be deducted; storing each deduction execution amount successfully deducted into a fund transition account; and transferring the amount in the fund transfer account to the target account when the deduction execution amount in the fund transfer account is equal to the deduction plan amount. Therefore, the thought of 'zero deposit and total taking' is utilized, the assets in different accounts of the user are deducted to the fund transition account by reducing the deduction amount, and the problem of low success rate of total deduction is solved.
< apparatus embodiment >
This embodiment provides a processing apparatus for a deduction service, for example, the processing apparatus 5000 for a deduction service shown in fig. 5, and the processing apparatus 5000 for a deduction service may include an obtaining module 5100, a dividing module 5200, a deduction module 5300, a storage module 5400 and a transfer module 5500.
The obtaining module 5100 is configured to obtain information of an account to be deducted and a deduction plan amount.
The dividing module 5200 is used for dividing the deduction plan amount into a plurality of deduction execution amounts.
The deduction module 5300 is configured to deduct the deduction execution amount from the account to be deducted corresponding to the account information to be deducted.
A storage module 5400 for storing each deduction execution amount successfully deducted into the fund transfer account.
A transfer module 5500 configured to transfer the amount of money in the fund transfer account to the target account when the deduction execution amount in the fund transfer account is equal to the deduction plan amount.
Specifically, the information of the account to be deducted at least comprises a plurality of accounts to be deducted and the deduction sequence of the accounts to be deducted.
In an example, the deduction module 5300 is specifically configured to deduct the deduction execution amount from the accounts to be deducted in turn according to the deduction order.
In this example, the deduction module 5300 is specifically configured to deduct the deduction execution amount from the account to be deducted, which is ranked first in the deduction order; and if the deduction is failed, deducting the deduction execution amount from the account to be deducted which is sorted to be the second in the deduction sequence, and sequentially circulating until a preset deduction supplementing date is reached.
In one example, the transfer module 5500 may be further configured to determine whether the total deduction execution amount in the funds transfer account is equal to the deduction plan amount; if the total deduction execution amount in the fund transition account is smaller than the deduction plan amount, judging whether a preset deduction supplementing date is reached; if the preset deduction date is reached, returning the deduction execution amount in the fund transition account to the corresponding account to be deducted according to the deduction path; if the preset deduction date is not reached, the step of deducting the deduction execution amount from the account to be deducted in sequence according to the deduction sequence is repeatedly executed.
In an example, the obtaining module 5100 may be specifically configured to receive a deduction request of a deduction service initiator, where the deduction request includes at least user information, the deduction plan amount, and target account information; and obtaining the deduction plan amount from the deduction request, and determining the account information to be deducted according to the user information.
In one example, the deduction module 5300 can be further configured to deduct the deduction plan amount from the account to be deducted; if the deduction fails, dividing the deduction plan amount into a plurality of deduction execution amounts; if the deduction is successful, transferring the deducted plan amount to the target account.
The processing apparatus of the deduction service of this embodiment may be configured to execute the technical solution of the foregoing method embodiment, and the implementation principle and the technical effect are similar, which are not described herein again.
< apparatus embodiment >
In this embodiment, an electronic device is further provided, where the electronic device includes the processing device 5000 of the deduction service described in this embodiment of the apparatus in this specification; alternatively, the electronic device is the electronic device 6000 shown in fig. 6, and includes:
a memory 6100 for storing executable commands.
A processor 6200 configured to perform a method described in any method embodiment of this specification under control of executable commands stored in a memory 6100.
The implementation subject according to the method embodiment performed at the electronic device may be a server.
< computer-readable storage Medium embodiment >
The present embodiments provide a computer-readable storage medium having stored therein an executable command that, when executed by a processor, performs a method described in any of the method embodiments of the present specification.
Embodiments of the present description may be systems, methods, and/or computer program products. The computer program product may include a computer-readable storage medium having computer-readable program instructions embodied thereon for causing a processor to implement aspects of embodiments of the specification.
The computer readable storage medium may be a tangible device that can hold and store the instructions for use by the instruction execution device. The computer readable storage medium may be, for example, but not limited to, an electronic memory device, a magnetic memory device, an optical memory device, an electromagnetic memory device, a semiconductor memory device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a Static Random Access Memory (SRAM), a portable compact disc read-only memory (CD-ROM), a Digital Versatile Disc (DVD), a memory stick, a floppy disk, a mechanical coding device, such as punch cards or in-groove projection structures having instructions stored thereon, and any suitable combination of the foregoing. Computer-readable storage media as used herein is not to be construed as transitory signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through a waveguide or other transmission medium (e.g., optical pulses through a fiber optic cable), or electrical signals transmitted through electrical wires.
The computer-readable program instructions described herein may be downloaded from a computer-readable storage medium to a respective computing/processing device, or to an external computer or external storage device via a network, such as the internet, a local area network, a wide area network, and/or a wireless network. The network may include copper transmission cables, fiber optic transmission, wireless transmission, routers, firewalls, switches, gateway computers and/or edge servers. The network adapter card or network interface in each computing/processing device receives computer-readable program instructions from the network and forwards the computer-readable program instructions for storage in a computer-readable storage medium in the respective computing/processing device.
Computer program instructions for carrying out operations of embodiments of the present description may be assembler instructions, Instruction Set Architecture (ISA) instructions, machine-related instructions, microcode, firmware instructions, state setting data, or source or object code written in any combination of one or more programming languages, including AN object oriented programming language such as Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" language or similar programming languages.
Aspects of embodiments of the present specification are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer-readable program instructions.
These computer-readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer-readable program instructions may also be stored in a computer-readable storage medium that can direct a computer, programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer-readable medium storing the instructions comprises an article of manufacture including instructions which implement the function/act specified in the flowchart and/or block diagram block or blocks.
The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other devices to produce a computer implemented process such that the instructions which execute on the computer, other programmable apparatus or other devices implement the functions/acts specified in the flowchart and/or block diagram block or blocks.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present description. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of instructions, which comprises one or more executable instructions for implementing the specified logical function(s). In some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. It is well known to those skilled in the art that implementation by hardware, implementation by software, and implementation by a combination of software and hardware are equivalent.
The foregoing description of the embodiments of the present specification has been presented for purposes of illustration and description, but is not intended to be exhaustive or limited to the embodiments disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described embodiments. The terminology used herein is chosen in order to best explain the principles of the embodiments, the practical application, or improvements made to the technology in the marketplace, or to enable others of ordinary skill in the art to understand the embodiments disclosed herein. The scope of embodiments of the present description is defined by the appended claims.
Claims (10)
1. A processing method of deduction service comprises the following steps:
acquiring account information to be deducted and deduction plan amount;
dividing the deduction plan amount into a plurality of deduction execution amounts;
deducting the deduction execution amount from the account to be deducted corresponding to the account information to be deducted;
storing each deduction execution amount successfully deducted into a fund transfer account;
and when the deduction execution amount in the fund transition account is equal to the deduction plan amount, transferring the amount in the fund transition account to a target account.
2. The method according to claim 1, wherein the information of the accounts to be deducted at least comprises a plurality of accounts to be deducted and the deduction sequence of the plurality of accounts to be deducted.
3. The method of claim 2, wherein the deducting the deduction execution amount from the account to be deducted comprises:
and deducting the deduction execution amount from the accounts to be deducted in sequence according to the deduction sequence.
4. The method as claimed in claim 3, wherein the step of deducting the deduction execution amount from the plurality of accounts to be deducted in turn in the deduction order comprises:
deducting the deduction execution amount from the account to be deducted, which is ranked first in the deduction sequence;
and if the deduction fails, deducting the deduction execution amount from the account to be deducted, which is sorted in the second deduction sequence, and sequentially circulating until a preset deduction supplementing date is reached.
5. The method of claim 4, wherein the method further comprises, prior to the step of transferring the amount in the funds transfer account to the target account when the deduction execution amount in the funds transfer account is equal to the deduction plan amount:
determining whether a total deduction execution amount in the fund transition account is equal to the deduction plan amount;
if the total deduction execution amount in the fund transition account is smaller than the deduction plan amount, judging whether a preset deduction supplementing date is reached;
if the preset deduction supplementing date is reached, returning the deduction execution amount in the fund transition account to the corresponding account to be deducted according to a deduction path;
and if the preset deduction supplementing date is not reached, repeatedly executing the step of sequentially deducting the deduction execution amount from the account to be deducted according to the deduction sequence.
6. The method of claim 1, wherein the step of obtaining information about the account to be debited and the debit plan amount comprises:
receiving a deduction request of a deduction service initiator, wherein the deduction request at least comprises user information, the deduction plan amount and target account information;
and obtaining the deduction plan amount from the deduction request, and determining the account information to be deducted according to the user information.
7. The method of claim 1, wherein prior to the step of dividing the deduction plan amount into a plurality of deduction execution amounts, the method further comprises:
deducting the deduction plan amount from the account to be deducted;
if the deduction fails, dividing the deduction plan amount into a plurality of deduction execution amounts;
and if the deduction is successful, transferring the deducted deduction plan amount to the target account.
8. A processing apparatus for deduction service, comprising:
the acquisition module is used for acquiring account information to be deducted and deduction plan amount;
the division module is used for dividing the deduction plan amount into a plurality of deduction execution amounts;
the deduction module is used for deducting the deduction execution amount from the account to be deducted corresponding to the account information to be deducted;
the storage module is used for storing each deduction execution amount which is successfully deducted into a fund transition account;
and the transfer module is used for transferring the amount in the fund transition account to a target account when the deduction execution amount in the fund transition account is equal to the deduction plan amount.
9. An electronic device comprising the processing apparatus of the deduction service as claimed in claim 8, or comprising:
a memory for storing executable commands;
a processor for executing the processing method of the deduction service according to any one of claims 1 to 7 under the control of the executable command.
10. A computer-readable storage medium storing executable instructions which, when executed by a processor, perform a processing method of a deduction service as claimed in any one of claims 1 to 7.
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| CN202010224931.5A CN111415145A (en) | 2020-03-26 | 2020-03-26 | Processing method and device for deduction service and electronic equipment |
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| CN202010224931.5A CN111415145A (en) | 2020-03-26 | 2020-03-26 | Processing method and device for deduction service and electronic equipment |
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