CN111640006B - Bank payment method and device, terminal and storage medium - Google Patents

Bank payment method and device, terminal and storage medium Download PDF

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CN111640006B
CN111640006B CN202010474288.1A CN202010474288A CN111640006B CN 111640006 B CN111640006 B CN 111640006B CN 202010474288 A CN202010474288 A CN 202010474288A CN 111640006 B CN111640006 B CN 111640006B
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payment processing
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processing
payment
enterprise
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CN111640006A (en
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胡庆瑜
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OneConnect Financial Technology Co Ltd Shanghai
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OneConnect Financial Technology Co Ltd Shanghai
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer

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Abstract

The invention relates to the technical field of artificial intelligence, and provides a method, a device, a terminal and a storage medium for paying and paying by a bank, wherein the method comprises the following steps: receiving a payment processing request of a merchant service system and analyzing to obtain a payment processing service type of each payment processing enterprise; calling a payment processing credit interface to perform credit configuration processing on the first account of each payment processing enterprise based on the payment processing business type; after the quota configuration processing, different payment processing instructions are generated and checked according to the payment processing business types and payment processing modes of each payment processing enterprise; and checking and triggering the payment processing instruction to carry out payment processing after passing, and returning the payment processing result to the merchant service system. The invention carries out the payment processing quota configuration processing according to the attribute of the payment processing business type of the payment processing enterprise, carries out the customized configuration of the payment processing enterprise, and improves the fund turnover rate and the use rate of the merchant.

Description

Bank payment method and device, terminal and storage medium
Technical Field
The invention relates to the technical field of banking systems, in particular to a method, a device, a terminal and a storage medium for paying and paying by a bank.
Background
In the prior art, a bank paying processing channel for paying processing business comprises a pedestrian size system, a pedestrian super-network banking system, a banking system and the like, the clearing orders of the size system and the super-network banking system are basically within one hour, automatic clearing can not be carried out in the prior art according to a business model corresponding to the paying processing business type, and the bank is required to manually transfer funds to a banking clearing private user, so that the funds clearing efficiency is low.
In addition, in the process of insufficient funds in the payment processing accounts, the funds allocation among a plurality of accounts in the business system of the merchant is not considered, the funds allocation can be completed by manual intervention of the system, the payment processing efficiency is low, the funds utilization rate and turnover rate of the merchant are reduced, and professional customized allocation cannot be realized.
Disclosure of Invention
In view of the above, it is necessary to provide a method, an apparatus, a terminal and a storage medium for collecting and paying by a bank, which perform a payment processing amount configuration process according to the attribute of the payment processing business type by a payment processing enterprise, so as to implement professional customized configuration for the payment processing enterprise and improve the fund turnover rate and the use rate of merchants.
A first aspect of the present invention provides a method of paying in a bank, the method comprising:
receiving payment processing requests of a merchant service system, wherein each payment processing request carries a plurality of payment processing information;
analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise;
calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise;
when a successful message of the credit configuration processing of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type;
verifying each payment processing instruction to obtain a verification result;
and when the verification result is determined to be that the verification is passed, triggering the substitution processing instruction to carry out substitution processing, and returning the substitution processing result to the merchant service system.
Preferably, the invoking the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise performs credit configuration processing on the first account of each payment processing enterprise, including:
When the payment processing business type of the payment processing enterprise is determined to be a pay-before-pay service type, acquiring an amount value in a second account of the merchant;
obtaining a first payoff amount value for payoff treatment of the payoff treatment enterprise;
comparing the monetary value in the second account of the merchant with the first payment processing monetary value;
and when the value of the money in the second account of the merchant is greater than or equal to the value of the first payment processing money, calling the interface for configuring the payment processing money amount to configure the money equivalent to the value of the first payment processing money from the second account to the interface first account corresponding to the first account of the payment processing enterprise.
Preferably, the method for paying in a bank instead of paying in a pay-as-you-go system further comprises:
and when the comparison results in that the value of the amount in the second account of the merchant is smaller than the value of the first payment processing amount, sending a notification message of insufficient value of the amount in the second account to the merchant, wherein the notification message comprises the number of the payment processing enterprise, the name of the payment processing enterprise, the value of the first payment processing amount of the payment processing enterprise and the balance of the second account.
Preferably, the invoking the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise performs credit configuration processing on the first account of each payment processing enterprise, including:
when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant;
obtaining a second payment processing amount value for the payment processing of the payment processing enterprise;
calculating a total funds in the third account information based on the redemption instructions;
comparing the sum of funds with the second generation payment processing amount value;
when the total funds amount is greater than or equal to the second generation payment processing amount value, the redemption instruction and the consumption share equivalent to the total funds amount of the second generation payment processing are debited to a preset fourth account;
and calling a payment processing limit configuration interface to configure a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface first account corresponding to the first account of the payment processing enterprise.
Preferably, the method for paying in a bank instead of paying in a pay-as-you-go system further comprises:
When the total amount of the funds is smaller than the value of the second-generation payment processing amount by comparison, calculating the difference between the total amount of the funds and the value of the second-generation payment processing amount to obtain the absent funds;
starting a fund processing program to draw the absent funds from the account with the excessive amount value of the merchant to the preset fourth account;
and when the preset fourth account receives the paid out lack of funds to account, calling a payment processing allocation amount interface to allocate the amount equivalent to the value of the second payment processing amount from the preset fourth account to an interface corresponding to the first account of the payment processing enterprise.
Preferably, the verifying the payment processing instruction to obtain a verification result includes:
analyzing the payment processing instruction to obtain a first account of a payment processing enterprise in the payment processing instruction;
comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;
if the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, obtaining a verification passing result;
And if the comparison between the first account of the substitution processing enterprise in the substitution processing instruction and the first account of the substitution processing enterprise read from the substitution processing request is inconsistent, obtaining a result that the verification is not passed.
Preferably, the analyzing the plurality of payment processing information to obtain the payment processing service type of each payment processing enterprise includes:
decomposing each payment processing information into a plurality of field information in a preset format according to a preset analysis rule;
and identifying the field information to obtain the type of the payment processing business of each payment processing enterprise.
A second aspect of the present invention provides a bank payment apparatus including:
the receiving module is used for receiving the substitution processing requests of the merchant service system, wherein each substitution processing request carries a plurality of substitution processing information;
the analysis module is used for analyzing the plurality of substitution processing information to obtain the substitution processing business type of each substitution processing enterprise;
the configuration module is used for calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise and carrying out credit configuration processing on the first account of each payment processing enterprise;
The generation module is used for generating different substitution processing instructions according to the substitution processing business type of each substitution processing enterprise and the substitution processing mode of the substitution processing business type when receiving the successful information of the quota configuration processing of each substitution processing enterprise;
the verification module is used for verifying each payment processing instruction to obtain a verification result;
and the payment replacing processing module is used for triggering the payment replacing processing instruction to carry out payment replacing processing when the verification result is determined to be that the verification is passed, and returning the payment replacing processing result to the merchant service system.
A third aspect of the invention provides a terminal comprising a processor for implementing the method of bank payment and payment generation when executing a computer program stored in a memory.
A fourth aspect of the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method of bank payment and receipt.
In summary, according to the bank pay-per-view method, the device, the terminal and the storage medium, on one hand, the pay-per-view processing unit is configured according to the attribute of the pay-per-view processing business type of the pay-per-view processing business, so that professional customized configuration is realized for the pay-per-view processing business, the fund turnover of the merchant is facilitated, and the fund turnover rate and the use rate of the merchant are improved; on the other hand, the payment processing transaction of the merchant is not enough to pay funds in the equity account of the merchant, the funds processing program calculates the missing funds and automatically draws out the missing funds from other accounts with redundant monetary value to a preset payment funds account, and the system can complete the funds payment processing process of the merchant without manual intervention due to the existence of funds processing, so that the smooth and orderly completion of bank payment processing is ensured, and the labor cost is reduced; finally, as the payment processing modes of each payment processing service type are different, different payment processing clearing can be realized according to the different payment processing modes, and if the payment processing service type is a pad information service type, the payment processing mode corresponding to the pad information service type can realize the payment processing clearing of the account of the merchant by means of cross-day clearing, so that a bank is not required to manually transfer funds to a bank-linked clearing private user, and the funds clearing efficiency is improved.
Drawings
Fig. 1 is a flowchart of a method for paying and paying by a bank according to an embodiment of the present invention.
Fig. 2 is a block diagram of a bank payment and receipt device according to a second embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a terminal according to a third embodiment of the present invention.
The invention will be further described in the following detailed description in conjunction with the above-described figures.
Detailed Description
In order that the above-recited objects, features and advantages of the present invention will be more clearly understood, a more particular description of the invention will be rendered by reference to specific embodiments thereof which are illustrated in the appended drawings. It should be noted that, without conflict, the embodiments of the present invention and features in the embodiments may be combined with each other.
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used herein in the description of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention.
Example 1
Fig. 1 is a flowchart of a method for paying and paying by a bank according to an embodiment of the present invention.
In this embodiment, the method for receiving and paying by the bank generation may be applied to a terminal, and for a terminal that needs to receive and pay by the bank generation, the function of receiving and paying by the bank generation provided by the method of the present invention may be directly integrated on the terminal, or may be run in the terminal in the form of a software development kit (Software Development Kit, SKD).
As shown in fig. 1, the method for paying and paying by a bank instead specifically includes the following steps, the order of the steps in the flowchart may be changed according to different requirements, and some may be omitted.
S11: and receiving the substitution processing requests of the merchant service system, wherein each substitution processing request carries a plurality of substitution processing information.
In this embodiment, the payment processing service refers to a payment processing service that a bank receives a payment request from a merchant for handling a specified payment according to a protocol with a request unit, and the payment processing service is issued by a proxy unit of the bank according to a list provided by the request unit, and mainly includes payment, premium, reimbursement, and the like.
S12: analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise.
In this embodiment, the payment processing service type refers to a service type corresponding to payment from a merchant to each payment processing enterprise, where the payment processing service type includes: and when the plurality of payment processing information is acquired, analyzing each piece of payment processing information to obtain a payment processing business type corresponding to each payment processing enterprise.
Preferably, the analyzing the plurality of payment processing information to obtain the payment processing service type of each payment processing enterprise includes:
decomposing each payment processing information into a plurality of field information in a preset format according to a preset analysis rule;
and identifying the field information to obtain the type of the payment processing business of each payment processing enterprise.
In this embodiment, each piece of payment processing information includes information such as a merchant property, a merchant account, a payment processing enterprise name, and a payment processing enterprise type of a merchant, where the preset analysis rule is preset in advance according to different rules corresponding to different payment processing information, and each piece of payment processing information is decomposed into field information in a plurality of preset formats according to the preset analysis rule, and a payment processing service type corresponding to each payment processing enterprise is identified from the field information.
S13: and calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise.
In this embodiment, the types of the payment processing services corresponding to each payment processing enterprise are different, each payment processing service type corresponds to a different configuration payment processing credit interface, and the corresponding configuration payment processing credit interface is called according to the different payment processing service types to perform credit configuration processing.
Preferably, the invoking the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise performs credit configuration processing on the first account of each payment processing enterprise, including:
when the payment processing business type of the payment processing enterprise is determined to be a pay-before-pay service type, acquiring an amount value in a second account of the merchant;
obtaining a first payoff amount value for payoff treatment of the payoff treatment enterprise;
comparing the monetary value in the second account of the merchant with the first payment processing monetary value;
and when the value of the money in the second account of the merchant is greater than or equal to the value of the first payment processing money, calling the interface for configuring the payment processing money amount to configure the interface corresponding to the first account of the payment processing enterprise from the second account, wherein the value of the money is equivalent to the value of the first payment processing money.
In this embodiment, the pay-before-pay service type refers to that a merchant prepares to pay funds to a second account of a bank, a bank pay processing platform compares an amount value in the second account with a first pay amount value of pay processing to a pay processing enterprise, confirms whether to perform amount value configuration on an interface corresponding to the first account of the pay processing enterprise according to a comparison result, and determines that the pay processing enterprise has successful credit configuration processing when receiving a message returned by the interface corresponding to the first account of the pay processing enterprise, so that the amount value in the second account of the merchant is sufficient, and calculates a balance in the second account after the pay processing enterprise is paid by the merchant.
Further, the method further comprises:
when the comparison results in that the value of the amount in the second account of the merchant is smaller than the value of the first payment processing amount, determining that the credit configuration processing of the first account of the payment processing enterprise fails;
and sending a notification message of insufficient amount value in the second account to the merchant, wherein the notification message comprises the number of the substitution processing enterprise, the name of the substitution processing enterprise, the first substitution processing amount value of the substitution processing enterprise and the second account balance.
In this embodiment, since the basic attribute of the pay-before-pay service type is a payment processing amount value that must be prepared for payment processing of a payment processing enterprise in advance, if the amount value in the second account of the merchant is smaller than the first payment processing amount value for payment processing to the payment processing enterprise, the basic attribute of the pay-before-pay service type is not satisfied, the bank does not support the service of performing the payment processing service for the merchant, and the bank payment-after-pay system can timely notify the merchant that the balance in the second account of the merchant is insufficient, notify the merchant that the payment processing is not supported, notify the merchant of the failure reason of the payment processing not supported, and improve the experience of the merchant.
Preferably, the invoking the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise performs credit configuration processing on the first account of each payment processing enterprise, including:
when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant;
obtaining a second payment processing amount value for the payment processing of the payment processing enterprise;
calculating a total funds in the third account information based on the redemption instructions;
comparing the sum of funds with the second generation payment processing amount value;
when the total funds amount is greater than or equal to the second generation processed funds amount value, the redemption instructions and the total funds amount equivalent to the second generation processed funds amount are debited to a preset fourth account;
and calling a payment processing limit configuration interface to configure a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface corresponding to the first account of the payment processing enterprise.
In this embodiment, the fund-filling service refers to that a bank performs payment in advance, the merchant does not need to prepare payment in advance, the bank calculates the total funds of the merchant according to a redemption instruction in the third account information of the merchant and a fund share corresponding to the redemption instruction, compares the total funds with a value of a second generation payment processing amount for processing by the generation payment processing enterprise, when the total funds are greater than or equal to the value of the second generation payment processing amount, passes the redemption instruction and the total funds equivalent to the total funds of the second generation payment processing amount to a preset fourth account, calls a value unit for configuring the value unit equivalent to the value of the second generation payment processing amount to an interface corresponding to the first account of the generation payment processing enterprise from the preset fourth account, and configures the value unit corresponding to the first account of the generation payment processing enterprise.
In this embodiment, the payment processing quota configuration is performed according to the payment processing business type of the payment processing enterprise and the attribute of the payment processing business type, so that professional customized configuration is realized for the payment processing enterprise, the fund turnover of the merchant is facilitated, and the fund turnover rate and the use rate of the merchant are improved.
Further, the method further comprises:
when the total amount of the funds is smaller than the value of the second-generation payment processing amount by comparison, calculating the difference between the total amount of the funds and the value of the second-generation payment processing amount to obtain the absent funds;
starting a fund processing program to draw the absent funds from the account with the excessive amount value of the merchant to the preset fourth account;
and when the preset fourth account receives the absent funds to account, calling a payment processing allocation limit interface to allocate the limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface corresponding to the first account of the payment processing enterprise.
In this embodiment, each merchant opens accounts in multiple banking channels, the fund processing program automatically calculates whether each banking channel account has enough funds to pay the payment processing transaction of the merchant, if not, the fund processing program calculates the funds which are lack in the payment processing transaction of the merchant, and automatically draws out the funds which have excessive amount value from other accounts to the preset payment filling fund account, and the system can complete the fund payment processing process of the merchant without manual intervention due to the existence of fund transfer, thereby ensuring that the payment processing of the merchant is smoothly and orderly completed, and reducing the labor cost.
S14: when a successful message of the credit configuration processing of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type.
In this embodiment, each of the payment processing service types corresponds to a different payment processing mode, and different payment processing instructions are generated based on the payment processing service type and the payment processing mode of each payment processing enterprise, for example, the payment processing mode corresponding to the pad information service type may implement cross-day clearing, and the payment processing instruction corresponding to the pad information service type is generated according to the pad information service type and the payment processing mode of cross-day clearing.
S15: and checking each payment processing instruction to obtain a checking result.
In this embodiment, before executing the payment processing, the bank needs to check whether the payee of the payment processing enterprise corresponding to each payment processing instruction is correct.
Preferably, the verifying the payment processing instruction to obtain a verification result includes:
analyzing the payment processing instruction to obtain a first account of a payment processing enterprise in the payment processing instruction;
Comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;
if the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, obtaining a verification passing result;
and if the comparison between the first account of the substitution processing enterprise in the substitution processing instruction and the first account of the substitution processing enterprise read from the substitution processing request is inconsistent, obtaining a result that the verification is not passed.
In this embodiment, the payment processing request submitted by the merchant service system includes a first account of the payment processing enterprise, reads the first account of the payment processing enterprise, compares the read first account of the payment processing enterprise with the first account of the payment processing enterprise in the payment processing instructions, and determines whether to trigger the payment processing instructions according to the comparison result, thereby improving the accuracy of the bank payment processing.
S16: and when the verification result is determined to be that the verification is passed, triggering the substitution processing instruction to carry out substitution processing, and returning the substitution processing result to the merchant service system.
In this embodiment, when the bank completes execution of the delegated payment processing service of the merchant, the process of recording and executing the payment processing service is packaged into a file package, and the file package is sent to the merchant service system in a preset return mode, where the preset return mode may be automatic triggering mail sending or sending in a short message mode.
Preferably, after returning the payment processing result to the business system of the merchant, the method further comprises:
acquiring an account of the merchant, which has been subjected to the payment processing, in the payment processing result, and a payment processing business type corresponding to a payment processing enterprise, which has been subjected to the payment processing;
acquiring a payment processing mode of the payment processing service type;
and adopting the payment processing mode to carry out payment processing clearing on the account of the merchant, which is subjected to payment processing.
In this embodiment, because the payment processing modes of each payment processing service type are different, different payment processing clearing can be implemented according to the different payment processing modes, if the payment processing service type is a pay-before-pay service type, the corresponding payment processing mode is to clear the account of the merchant in real time to carry out payment processing on the payment processing enterprise; and if the payment processing business type is the money filling service type, the corresponding payment processing mode can realize the payment processing of the payment processing enterprise after the account of the merchant is cleared across days, so that a bank is not required to manually transfer funds to a Unionpay clearing specialist, the manual clearing cost is reduced, and the funds clearing efficiency is improved.
Further, the method further comprises:
and when the verification is determined to not pass, not triggering the substitution processing instruction.
In this embodiment, after comparing the read first account of the payment processing enterprise with the first account of the payment processing enterprise in the payment processing instruction, if the verification result is not passed, it is determined that the first account of the payment processing enterprise in the payment processing instruction is incorrect, and the bank needs to revise the first account of the payment processing enterprise in the payment processing instruction to be the first account of the payment processing enterprise in the payment processing request submitted by the merchant.
In summary, in the bank payment-receiving method according to the embodiment, the payment processing request of the merchant service system is received, where each payment processing request corresponds to a plurality of payment processing information; analyzing each piece of payment processing information to obtain the payment processing business type of each payment processing enterprise; calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise; when a successful message of the credit configuration processing of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type; verifying each payment processing instruction to obtain a verification result; when the verification result is determined to be that verification is passed, triggering the payment processing instruction to perform payment processing, and returning the payment processing result to the merchant service system, wherein on one hand, the embodiment performs payment processing quota configuration processing according to the attribute of the payment processing service type by the payment processing enterprise according to the payment processing service type of the payment processing enterprise, thereby realizing professional customized configuration for the payment processing enterprise, facilitating fund turnover of the merchant and improving fund turnover rate and utilization rate of the merchant; on the other hand, the payment processing transaction of the merchant is not enough to pay funds in the equity account of the merchant, the funds processing program calculates the missing funds and automatically draws out the missing funds from other accounts with redundant monetary value to a preset payment fund account, and the system can complete the fund payment processing process of the merchant without manual intervention due to the existence of fund transfer, so that the smooth and orderly completion of the bank payment processing is ensured, and the labor cost is reduced; finally, as the payment processing modes of each payment processing service type are different, different payment processing clearing can be realized according to the different payment processing modes, and if the payment processing service type is a pad information service type, the payment processing mode corresponding to the pad information service type can realize the payment processing clearing of the account of the merchant by means of cross-day clearing, so that a bank is not required to manually transfer funds to a bank-linked clearing private user, and the funds clearing efficiency is improved.
Example two
Fig. 2 is a block diagram of a bank payment and receipt device according to a second embodiment of the present invention.
In some embodiments, the escrow device 20 may include a plurality of functional modules that are comprised of program code segments. Program code for each program segment in the deposit and withdrawal device 20 may be stored in a memory of the terminal and executed by the at least one processor to perform (see fig. 1 for details) deposit and withdrawal functions.
In this embodiment, the bank payment and collection device 20 may be divided into a plurality of functional modules according to the functions performed by the same. The functional module may include: the system comprises a receiving module 201, a resolving module 202, a configuration module 203, a sending module 204, a generating module 205, a checking module 206 and a payment processing module 207. The module referred to in the present invention refers to a series of computer program segments capable of being executed by at least one processor and of performing a fixed function, stored in a memory. In the present embodiment, the functions of the respective modules will be described in detail in the following embodiments.
The receiving module 201: and the processing module is used for receiving the substitution processing requests of the merchant service system, wherein each substitution processing request carries a plurality of substitution processing information.
In this embodiment, the payment processing service refers to a payment processing service that a bank receives a payment request from a merchant for handling a specified payment according to a protocol with a request unit, and the payment processing service is issued by a proxy unit of the bank according to a list provided by the request unit, and mainly includes payment, premium, reimbursement, and the like.
The parsing module 202: and the processing system is used for analyzing the plurality of the substitution processing information to obtain the substitution processing business type of each substitution processing enterprise.
In this embodiment, the payment processing service type refers to a service type corresponding to payment from a merchant to each payment processing enterprise, where the payment processing service type includes: and when the plurality of payment processing information is acquired, analyzing each piece of payment processing information to obtain a payment processing business type corresponding to each payment processing enterprise.
Preferably, the parsing module 202 parses the plurality of payment processing information to obtain the payment processing service type of each payment processing enterprise includes:
decomposing each payment processing information into a plurality of field information in a preset format according to a preset analysis rule;
and identifying the field information to obtain the type of the payment processing business of each payment processing enterprise.
In this embodiment, each piece of payment processing information includes information such as a merchant property, a merchant account, a payment processing enterprise name, and a payment processing enterprise type of a merchant, where the preset analysis rule is preset in advance according to different rules corresponding to different payment processing information, and each piece of payment processing information is decomposed into field information in a plurality of preset formats according to the preset analysis rule, and a payment processing service type corresponding to each payment processing enterprise is identified from the field information.
Configuration module 203: and the interface for calling and configuring the payment processing credit based on the payment processing business type of each payment processing enterprise is used for carrying out credit configuration processing on the first account of each payment processing enterprise.
In this embodiment, the types of the payment processing services corresponding to each payment processing enterprise are different, each payment processing service type corresponds to a different configuration payment processing credit interface, and the corresponding configuration payment processing credit interface is called according to the different payment processing service types to perform credit configuration processing.
Preferably, the configuring module 203 invokes an interface for configuring the payment processing credit based on the payment processing service type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise, including:
When the payment processing business type of the payment processing enterprise is determined to be a pay-before-pay service type, acquiring an amount value in a second account of the merchant;
obtaining a first payoff amount value for payoff treatment of the payoff treatment enterprise;
comparing the monetary value in the second account of the merchant with the first payment processing monetary value;
and when the value of the money in the second account of the merchant is greater than or equal to the value of the first payment processing money, calling the interface for configuring the payment processing money amount to configure the interface corresponding to the first account of the payment processing enterprise from the second account, wherein the value of the money is equivalent to the value of the first payment processing money.
In this embodiment, the pay-before-pay service type refers to that a merchant prepares to pay funds to a second account of a bank, a bank pay processing platform compares an amount value in the second account with a first pay amount value of pay processing to a pay processing enterprise, confirms whether to perform amount value configuration on an interface corresponding to the first account of the pay processing enterprise according to a comparison result, and determines that the pay processing enterprise has successful credit configuration processing when receiving a message returned by the interface corresponding to the first account of the pay processing enterprise, so that the amount value in the second account of the merchant is sufficient, and calculates a balance in the second account after the pay processing enterprise is paid by the merchant.
Further, in the process of comparing the value of the second account of the merchant with the value of the first payment processing amount, when the value of the second account of the merchant is smaller than the value of the first payment processing amount, determining that the credit configuration processing of the first account of the payment processing enterprise fails;
the sending module 204: and sending a notification message for insufficient amount value in the second account to the merchant, wherein the notification message comprises the number of the substitution processing enterprise, the name of the substitution processing enterprise, the first substitution processing amount value of the substitution processing enterprise and the second account balance.
In this embodiment, since the basic attribute of the pay-before-pay service type is a payment processing amount value that must be prepared for payment processing of a payment processing enterprise in advance, if the amount value in the second account of the merchant is smaller than the first payment processing amount value for payment processing to the payment processing enterprise, the basic attribute of the pay-before-pay service type is not satisfied, the bank does not support the service of performing the payment processing service for the merchant, and the bank payment-after-pay system can timely notify the merchant that the balance in the second account of the merchant is insufficient, notify the merchant that the payment processing is not supported, notify the merchant of the failure reason of the payment processing not supported, and improve the experience of the merchant.
Preferably, the configuring module 203 invokes an interface for configuring the payment processing credit based on the payment processing service type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise, including:
when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant;
obtaining a second payment processing amount value for the payment processing of the payment processing enterprise;
calculating a total funds in the third account information based on the redemption instructions;
comparing the sum of funds with the second generation payment processing amount value;
when the total funds amount is greater than or equal to the second generation payment processing amount value, the redemption instructions and the total funds amount equivalent to the second generation payment processing total funds amount are passed to a preset fourth account;
and calling a payment processing limit configuration interface to configure a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface corresponding to the first account of the payment processing enterprise.
In this embodiment, the fund-filling service refers to that a bank performs payment in advance, the merchant does not need to prepare payment in advance, the bank calculates the total funds of the merchant according to a redemption instruction in the third account information of the merchant and a fund share corresponding to the redemption instruction, compares the total funds with a value of a second generation payment processing amount for processing by the generation payment processing enterprise, when the total funds are greater than or equal to the value of the second generation payment processing amount, passes the redemption instruction and the total funds equivalent to the total funds of the second generation payment processing amount to a preset fourth account, calls a value unit for configuring the value unit equivalent to the value of the second generation payment processing amount to an interface corresponding to the first account of the generation payment processing enterprise from the preset fourth account, and configures the value unit corresponding to the first account of the generation payment processing enterprise.
In this embodiment, the payment processing quota configuration is performed according to the payment processing business type of the payment processing enterprise and the attribute of the payment processing business type, so that professional customized configuration is realized for the payment processing enterprise, the fund turnover of the merchant is facilitated, and the fund turnover rate and the use rate of the merchant are improved.
Further, in the process of comparing the total amount of funds with the second generation payment processing amount value, when the total amount of funds is smaller than the second generation payment processing amount value, calculating the difference between the total amount of funds and the second generation payment processing amount value to obtain missing funds, and starting a funds processing program to draw the missing funds from the account with the excessive amount value of the merchant to the preset fourth account.
The configuration module 203: and the interface for configuring the payment processing amount is also used for calling the interface for configuring the amount equivalent to the value of the second payment processing amount from the preset fourth account to the interface corresponding to the first account of the payment processing enterprise when the preset fourth account receives the absent funds to account.
In this embodiment, each merchant opens accounts in multiple banking channels, the fund processing program automatically calculates whether each banking channel account has enough funds to pay the payment processing transaction of the merchant, if not, the fund processing program calculates the funds which are lack in the payment processing transaction of the merchant, and automatically draws out the funds which have excessive amount value from other accounts to the preset payment filling fund account, and the system can complete the fund payment processing process of the merchant without manual intervention due to the existence of fund transfer, thereby ensuring that the payment processing of the merchant is smoothly and orderly completed, and reducing the labor cost.
The generating module 205: and when the successful information of the quota configuration processing of each of the payment processing enterprises is received, different payment processing instructions are generated according to the payment processing business type of each of the payment processing enterprises and the payment processing mode of the payment processing business type.
In this embodiment, each of the payment processing service types corresponds to a different payment processing mode, and different payment processing instructions are generated based on the payment processing service type and the payment processing mode of each payment processing enterprise, for example, the payment processing mode corresponding to the pad information service type may implement cross-day clearing, and the payment processing instruction corresponding to the pad information service type is generated according to the pad information service type and the payment processing mode of cross-day clearing.
The verification module 206: and the method is used for checking each payment processing instruction to obtain a checking result.
In this embodiment, before executing the payment processing, the bank needs to check whether the payee of the payment processing enterprise corresponding to each payment processing instruction is correct.
Preferably, the checking module 206 checks the payment processing instruction to obtain a checking result includes:
analyzing the payment processing instruction to obtain a first account of a payment processing enterprise in the payment processing instruction;
Comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;
if the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, obtaining a verification passing result;
and if the comparison between the first account of the substitution processing enterprise in the substitution processing instruction and the first account of the substitution processing enterprise read from the substitution processing request is inconsistent, obtaining a result that the verification is not passed.
In this embodiment, the payment processing request submitted by the merchant service system includes a first account of the payment processing enterprise, reads the first account of the payment processing enterprise, compares the read first account of the payment processing enterprise with the first account of the payment processing enterprise in the payment processing instructions, and determines whether to trigger the payment processing instructions according to the comparison result, thereby improving the accuracy of the bank payment processing.
The substitution processing module 207: and the method is used for triggering the substitution processing instruction to carry out substitution processing when the verification result is determined to be the verification passing, and returning the substitution processing result to the merchant service system.
In this embodiment, when the bank completes execution of the delegated payment processing service of the merchant, the process of recording and executing the payment processing service is packaged into a file package, and the file package is sent to the merchant service system in a preset return mode, where the preset return mode may be automatic triggering mail sending or sending in a short message mode.
Preferably, after the payment processing module 207 returns the payment processing result to the business system of the merchant, the account of the merchant that has performed the payment processing and the payment processing business type corresponding to the payment processing enterprise that has performed the payment processing in the payment processing result are obtained; acquiring a payment processing mode of the payment processing service type; and adopting the payment processing mode to carry out payment processing clearing on the account of the merchant, which is subjected to payment processing.
In this embodiment, because the payment processing modes of each payment processing service type are different, different payment processing clearing can be implemented according to the different payment processing modes, if the payment processing service type is a pay-before-pay service type, the corresponding payment processing mode is to clear the account of the merchant in real time to carry out payment processing on the payment processing enterprise; and if the payment processing business type is the money filling service type, the corresponding payment processing mode can realize the payment processing of the payment processing enterprise after the account of the merchant is cleared across days, so that a bank is not required to manually transfer funds to a Unionpay clearing specialist, the manual clearing cost is reduced, and the funds clearing efficiency is improved.
The payment processing module 207: and the device is also used for not triggering the substitution processing instruction when the verification is determined to not pass.
In this embodiment, after comparing the read first account of the payment processing enterprise with the first account of the payment processing enterprise in the payment processing instruction, if the verification result is not passed, it is determined that the first account of the payment processing enterprise in the payment processing instruction is incorrect, and the bank needs to revise the first account of the payment processing enterprise in the payment processing instruction to be the first account of the payment processing enterprise in the payment processing request submitted by the merchant.
In summary, in the bank payment-receiving and payment-replacing device according to the embodiment, the payment processing request of the merchant service system is received, where each payment processing request corresponds to a plurality of payment processing information; analyzing each piece of payment processing information to obtain the payment processing business type of each payment processing enterprise; calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise; when a successful message of the credit configuration processing of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type; verifying each payment processing instruction to obtain a verification result; when the verification result is determined to be that verification is passed, triggering the payment processing instruction to perform payment processing, and returning the payment processing result to the merchant service system, wherein on one hand, the embodiment performs payment processing quota configuration processing according to the attribute of the payment processing service type by the payment processing enterprise according to the payment processing service type of the payment processing enterprise, thereby realizing professional customized configuration for the payment processing enterprise, facilitating fund turnover of the merchant and improving fund turnover rate and utilization rate of the merchant; on the other hand, the payment processing transaction of the merchant is not enough to pay funds in the equity account of the merchant, the funds processing program calculates the missing funds and automatically draws out the missing funds from other accounts with redundant monetary value to a preset payment fund account, and the system can complete the fund payment processing process of the merchant without manual intervention due to the existence of fund transfer, so that the smooth and orderly completion of the bank payment processing is ensured, and the labor cost is reduced; finally, as the payment processing modes of each payment processing service type are different, different payment processing clearing can be realized according to the different payment processing modes, and if the payment processing service type is a pad information service type, the payment processing mode corresponding to the pad information service type can realize the payment processing clearing of the account of the merchant by means of cross-day clearing, so that a bank is not required to manually transfer funds to a bank-linked clearing private user, and the funds clearing efficiency is improved.
Example III
Fig. 3 is a schematic structural diagram of a terminal according to a third embodiment of the present invention. In the preferred embodiment of the invention, the terminal 3 comprises a memory 31, at least one processor 32, at least one communication bus 33 and a transceiver 34.
It will be appreciated by those skilled in the art that the configuration of the terminal shown in fig. 3 is not limiting of the embodiments of the present invention, and that it may be a bus type configuration, a star type configuration, or a combination of hardware and software, or a different arrangement of components, as the terminal 3 may include more or less hardware or software than is shown.
In some embodiments, the terminal 3 is a terminal capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction, and its hardware includes, but is not limited to, a microprocessor, an application specific integrated circuit, a programmable gate array, a digital processor, an embedded device, and the like. The terminal 3 may further comprise a client device, which includes, but is not limited to, any electronic product capable of performing man-machine interaction with a client through a keyboard, a mouse, a remote controller, a touch pad, a voice control device, etc., for example, a personal computer, a tablet computer, a smart phone, a digital camera, etc.
It should be noted that the terminal 3 is only used as an example, and other electronic products that may be present in the present invention or may be present in the future are also included in the scope of the present invention by way of reference.
In some embodiments, the memory 31 is used to store program codes and various data, such as the bank deposit and withdrawal device 20 installed in the terminal 3, and to implement high-speed, automatic access to programs or data during operation of the terminal 3. The Memory 31 includes Read-Only Memory (ROM), programmable Read-Only Memory (PROM), erasable programmable Read-Only Memory (EPROM), one-time programmable Read-Only Memory (One-time Programmable Read-Only Memory, OTPROM), electrically erasable rewritable Read-Only Memory (EEPROM), compact disc Read-Only Memory (Compact Disc Read-Only Memory, CD-ROM) or other optical disc Memory, magnetic tape Memory, or any other medium that can be used for computer-readable carrying or storing data.
In some embodiments, the at least one processor 32 may be comprised of an integrated circuit, for example, a single packaged integrated circuit, or may be comprised of multiple integrated circuits packaged with the same or different functions, including one or more central processing units (Central Processing unit, CPU), microprocessors, digital processing chips, graphics processors, combinations of various control chips, and the like. The at least one processor 32 is a Control Unit (Control Unit) of the terminal 3, connects respective components of the entire terminal 3 using various interfaces and lines, and executes various functions of the terminal 3 and processes data by running or executing programs or modules stored in the memory 31 and calling data stored in the memory 31.
In some embodiments, the at least one communication bus 33 is arranged to enable connected communication between the memory 31 and the at least one processor 32 or the like.
Although not shown, the terminal 3 may further include a power source (such as a battery) for supplying power to the respective components, and preferably, the power source may be logically connected to the at least one processor 32 through a power management device, so as to perform functions of managing charging, discharging, power consumption management, etc. through the power management device. The power supply may also include one or more of any of a direct current or alternating current power supply, recharging device, power failure detection circuit, power converter or inverter, power status indicator, etc. The terminal 3 may further include various sensors, bluetooth modules, wi-Fi modules, etc., which will not be described herein.
It should be understood that the embodiments described are for illustrative purposes only and are not limited to this configuration in the scope of the patent application.
The integrated units implemented in the form of software functional modules described above may be stored in a computer readable storage medium. The software functional modules described above are stored in a storage medium and include instructions for causing a computer device (which may be a personal computer, a terminal, or a network device, etc.) or a processor (processor) to perform portions of the methods described in the various embodiments of the invention.
In a further embodiment, in connection with fig. 2, the at least one processor 32 may execute the operating device of the terminal 3 and various installed applications (such as the bank payment device 20), program code, etc., such as the various modules described above.
The memory 31 has program code stored therein, and the at least one processor 32 can invoke the program code stored in the memory 31 to perform related functions. For example, each of the modules depicted in fig. 2 is a program code stored in the memory 31 and executed by the at least one processor 32 to perform the functions of the respective modules for the purpose of bank payment.
In one embodiment of the invention, the memory 31 stores a plurality of instructions that are executed by the at least one processor 32 to implement the functions of a bank deposit and withdrawal.
Specifically, the specific implementation method of the above instruction by the at least one processor 32 may refer to the description of the relevant steps in the corresponding embodiment of fig. 1, which is not repeated herein.
In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be other manners of division when actually implemented.
The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units can be realized in a form of hardware or a form of hardware and a form of software functional modules.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned. Furthermore, it will be obvious that the term "comprising" does not exclude other elements or that the singular does not exclude a plurality. A plurality of units or means recited in the apparatus claims can also be implemented by means of one unit or means in software or hardware. The terms first, second, etc. are used to denote a name, but not any particular order.
Finally, it should be noted that the above-mentioned embodiments are merely for illustrating the technical solution of the present invention and not for limiting the same, and although the present invention has been described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the technical solution of the present invention.

Claims (9)

1. The bank paying-back method is characterized by comprising the following steps of:
receiving payment processing requests of a merchant service system, wherein each payment processing request carries a plurality of payment processing information;
analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise;
calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise, wherein the method comprises the following steps: when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant; obtaining a second payment processing amount value for the payment processing of the payment processing enterprise; calculating a total amount of funds in the third account information based on the redemption instructions and the fund shares corresponding to the redemption instructions; comparing the sum of funds with the second generation payment processing amount value; when the total funds amount is greater than or equal to the second generation payment processing amount value, the redemption instruction and the consumption share equivalent to the total funds amount of the second generation payment processing are debited to a preset fourth account; calling a payment processing limit interface, namely configuring a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface first account corresponding to the first account of the payment processing enterprise, wherein the payment service type is that a bank performs payment in advance, and a merchant does not need to prepare payment in advance;
When a successful message of the credit configuration processing of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type;
verifying each payment processing instruction to obtain a verification result;
and when the verification result is determined to be that the verification is passed, triggering the substitution processing instruction to carry out substitution processing, and returning the substitution processing result to the merchant service system.
2. The method for collecting and paying by a bank according to claim 1, wherein the calling the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform the credit configuration processing on the first account of each payment processing enterprise includes:
when the payment processing business type of the payment processing enterprise is determined to be a pay-before-pay service type, acquiring an amount value in a second account of the merchant;
obtaining a first payoff amount value for payoff treatment of the payoff treatment enterprise;
comparing the monetary value in the second account of the merchant with the first payment processing monetary value;
and when the value of the money in the second account of the merchant is greater than or equal to the value of the first payment processing money, calling the interface for configuring the payment processing money amount to configure the interface corresponding to the first account of the payment processing enterprise from the second account, wherein the value of the money is equivalent to the value of the first payment processing money.
3. The method of claim 2, further comprising:
when the comparison results in that the value of the amount in the second account of the merchant is smaller than the first payment processing value, the first account sends a notification message of insufficient value of the amount in the second account to the merchant, wherein the notification message comprises the number of the payment processing enterprise, the name of the payment processing enterprise, the first payment processing value of the payment processing enterprise and the balance of the second account.
4. The method of claim 1, further comprising:
when the total amount of the funds is smaller than the value of the second-generation payment processing amount by comparison, calculating the difference between the total amount of the funds and the value of the second-generation payment processing amount to obtain the absent funds;
starting a fund processing program to draw the absent funds from the account with the excessive amount value of the merchant to the preset fourth account;
and when the preset fourth account receives the absent funds to account, calling a payment processing allocation limit interface to allocate the limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface corresponding to the first account of the payment processing enterprise.
5. The method for paying in a bank as set forth in claim 1, wherein the verifying the paying in a process instruction to obtain a verification result includes:
analyzing the payment processing instruction to obtain a first account of a payment processing enterprise in the payment processing instruction;
comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;
if the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, obtaining a verification passing result;
and if the comparison between the first account of the substitution processing enterprise in the substitution processing instruction and the first account of the substitution processing enterprise read from the substitution processing request is inconsistent, obtaining a result that the verification is not passed.
6. The method for collecting and paying in a bank as set forth in claim 1, wherein the analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise includes:
decomposing each payment processing information into a plurality of field information in a preset format according to a preset analysis rule;
And identifying the field information to obtain the type of the payment processing business of each payment processing enterprise.
7. A bank payment device, characterized in that the bank payment device comprises:
the receiving module is used for receiving the substitution processing requests of the merchant service system, wherein each substitution processing request carries a plurality of substitution processing information;
the analysis module is used for analyzing the plurality of substitution processing information to obtain the substitution processing business type of each substitution processing enterprise;
the configuration module is configured to invoke an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise, and includes: when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant; obtaining a second payment processing amount value for the payment processing of the payment processing enterprise; calculating a total amount of funds in the third account information based on the redemption instructions and the fund shares corresponding to the redemption instructions; comparing the sum of funds with the second generation payment processing amount value; when the total funds amount is greater than or equal to the second generation payment processing amount value, the redemption instruction and the consumption share equivalent to the total funds amount of the second generation payment processing are debited to a preset fourth account; calling a payment processing limit interface, namely configuring a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface first account corresponding to the first account of the payment processing enterprise, wherein the payment service type is that a bank performs payment in advance, and a merchant does not need to prepare payment in advance;
The generation module is used for generating different substitution processing instructions according to the substitution processing business type of each substitution processing enterprise and the substitution processing mode of the substitution processing business type when receiving the successful information of the quota configuration processing of each substitution processing enterprise;
the verification module is used for verifying each payment processing instruction to obtain a verification result;
and the payment replacing processing module is used for triggering the payment replacing processing instruction to carry out payment replacing processing when the verification result is determined to be that the verification is passed, and returning the payment replacing processing result to the merchant service system.
8. A terminal comprising a processor for implementing a method of depositing and withdrawing a bank as claimed in any one of claims 1 to 6 when executing a computer program stored in a memory.
9. A computer readable storage medium having stored thereon a computer program, which when executed by a processor implements a method of depositing and dispensing a bank deposit and withdrawal according to any one of claims 1 to 6.
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