CN111861713A - Fund transaction control method, device, equipment and readable storage medium - Google Patents
Fund transaction control method, device, equipment and readable storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a fund transaction control method, a fund transaction control device, fund transaction control equipment and a readable storage medium. The fund transaction control method comprises the following steps: acquiring transaction main body information, wherein the transaction main body information comprises transaction person identity information and bank account information; when a first fund freezing condition is met, after the identity information of the transaction person is verified through a bank guarantee payment gateway, freezing first fund with a set limit in a bank account corresponding to the bank account information; when a second fund settlement condition is met, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund on the basis of the first fund; and calling a bank account interface to settle the second fund in the bank account according to the settlement mode. The embodiment of the invention improves the automation degree of fund transaction, ensures the fund security and realizes safe, real-time and automatic fund transaction.
Description
Technical Field
The embodiment of the invention relates to the technical field of artificial intelligence, in particular to the technical field of information safety and automation.
Background
With the rapid development of internet technology and artificial intelligence technology, some fund transaction scenarios are migrated from an offline transaction platform to an online transaction platform, for example, scenarios involving fund transactions such as auction, shopping, selling, and exchanging.
At present, limited by objective factors, in the whole life cycle of fund transaction, particularly when fund payment or settlement is involved, more or less manual intervention processing is needed, the real-time performance of online fund transaction cannot be ensured, and the whole fund transaction process cannot be automatically completed in real time.
Disclosure of Invention
The embodiment of the invention provides a fund transaction control method, a fund transaction control device, fund transaction control equipment and a readable storage medium.
In a first aspect, an embodiment of the present invention provides a fund transaction control method, including:
acquiring transaction main body information, wherein the transaction main body information comprises transaction person identity information and bank account information;
when a first fund freezing condition is met, after the identity information of the transaction person is verified through a bank guarantee payment gateway, freezing first fund with a set limit in a bank account corresponding to the bank account information;
when a second fund settlement condition is met, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund on the basis of the first fund;
and calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
Optionally, before the invoking the bank account interface to settle the second fund in the bank account according to the settlement manner, the method further includes:
freezing, by the bank vouching payment gateway, the second funds in the bank account.
Optionally, before the invoking the bank account interface to settle the second fund in the bank account according to the settlement manner, the method further includes:
generating a trading order and sending the trading order to a trader terminal and a trading management terminal;
the calling a bank account interface to settle the second fund in the bank account according to the settlement mode comprises the following steps:
updating the state of the trade order to be a settlement state in response to an order confirmation message sent by the trader terminal and an order confirmation message sent by the trade management terminal;
and responding to the settlement state, calling a bank accounting interface to settle the second fund in the bank account according to the settlement mode.
Optionally, after calculating the second fund required for reaching the set transaction price and the settlement mode of the second fund on the basis of the first fund when the second fund settlement condition is met, any one of the following operations is further included:
if the order confirmation message sent by the trader terminal is not received within the set time length, updating the trading order state into a trader failure state, and returning the first fund in the bank account through the bank guarantee payment gateway in response to the trader failure state;
and if a transaction termination message sent by the transaction management terminal is received, updating the state of the transaction order to be a platform failure state, and responding to the platform failure state, and performing indemnification on the first fund in the bank account through the bank guarantee payment gateway.
Optionally, when the first fund freezing condition is met, after the transaction person identity information is verified through a bank guarantee payment gateway, before the first fund with a set limit is frozen in a bank account corresponding to the bank account information, the method further includes:
based on the trader rules, the trading rules, and the current trading phase, it is determined whether a first fund freezing condition is satisfied.
Optionally, before the calculating, when the second fund settlement condition is satisfied, a second fund required for reaching the set transaction price and a settlement manner of the second fund on the basis of the first fund, the method further includes:
and judging whether a second fund settlement condition is met or not based on the trader rule, the trading rule, the current trading stage and the current first fund trading state.
In a second aspect, an embodiment of the present invention further provides a fund transaction control apparatus, including:
the information acquisition module is used for acquiring transaction main body information, wherein the transaction main body information comprises transaction person identity information and bank account information;
the first fund freezing module is used for freezing first fund with a set limit in a bank account corresponding to the bank account information after the identity information of the transaction person is verified through a bank guarantee payment gateway when a first fund freezing condition is met;
the settlement mode calculation module is used for calculating second funds required for reaching a set transaction price and a settlement mode of the second funds on the basis of the first funds when a second fund settlement condition is met;
and the fund settlement module is used for calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
And the second fund freezing module is used for freezing the second fund in the bank account through the bank guarantee payment gateway before the second fund is settled in the bank account by calling the bank accounting interface according to the settlement mode.
In a third aspect, an embodiment of the present invention further provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a funds transaction control method according to any embodiment of the invention.
In a fourth aspect, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor implements a fund transaction control method according to any one of the embodiments of the present invention.
The embodiment of the invention can improve the automation degree of fund transaction, ensure the fund security in the fund transaction and realize safe, real-time and automatic fund transaction.
Drawings
FIG. 1 is a flow chart of a fund transaction control method in accordance with one embodiment of the present invention;
FIG. 2 is a flow chart of a fund transaction control method according to a second embodiment of the present invention;
FIG. 3 is a flow chart of a fund transaction control method in a third embodiment of the present invention;
FIG. 4 is a flow chart of a fund transaction control method in a fourth embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a fund transaction control device in the fifth embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device to which the fund transaction control method is applied in the embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a fund transaction control method according to a first embodiment of the present invention, which is applicable to online fund transactions and can effectively ensure the security of funds in transactions. The method may be performed by a fund transaction control apparatus, which may be implemented in software and/or hardware and may be configured in an electronic device, which may be a server or other device having communication and computing capabilities. As shown in fig. 1, the method specifically includes:
s110, acquiring transaction body information, wherein the transaction body information comprises transaction body identity information and bank account information.
For example, in an auction scenario, the bid object auctioned by the bidder is a transaction object. The transaction information may be, for example, price, category, and ownership. Firstly, the transaction management personnel inputs the information of the transaction objects into the transaction management terminal, and the transaction management terminal sends the information of the transaction objects to the server, so that the server receives the information of the transaction objects sent by the transaction management terminal.
Optionally, after acquiring the transaction subject information, the server may store the information in the database.
And S120, when the first fund freezing condition is met, after the identity information of the transaction person is verified through the bank guarantee payment gateway, freezing the first fund with a set limit in the bank account corresponding to the bank account information.
The first fund freezing condition is a condition that the first fund in the bank account corresponding to the bank account information of the transactor needs to be frozen. For example, in an auction scenario, the first fund freeze condition is that an auction is in progress or is about to begin, and the trader has paid the first fund. Optionally, the server considers that the first fund freezing condition is satisfied when receiving the message sent by the transaction management terminal that the transaction activity starts and receiving the message sent by the transactor terminal that the first fund is paid.
The bank security is called bank security when the bank gives a security to the goods supplier or the rescued party or the salvee in the common average or rescue behavior. The bank guarantee payment gateway is an interface between a bank guarantee financial network system and the Internet, is a group of server devices which are operated by a bank and convert data transmitted on the Internet into data inside a financial guarantee institution, and is used for providing guarantee for a trader in a contract relation, ensuring that the other party uses first fund according to the contract, and otherwise, the bank returns the trader to pay the first fund.
And the bank guarantee payment gateway verifies the identity information of the transaction person. The verification content comprises the following steps: verifying whether the identity of the trader meets various conditions set in the trading rules; can be used for verifying whether the materials are complete or real, such as identity card information, company business licenses, authorization entrustment and the like; whether it matches the transaction person identity information stored in the database, etc. After the identity information of the transaction is verified through the bank guarantee payment gateway, the bank guarantee payment gateway freezes first funds with set limits in a bank account corresponding to the bank account information.
The first fund is a fund which needs to be paid in advance by a trader participating in trading activities, and can be, for example, a guarantee fund paid by a bidder in an auction scene or a subscription paid by a buyer in goods pre-selling activities during online shopping. The amount of the funds may be less than or equal to the final transaction funds. The bank guarantee payment gateway freezes the first fund with the set limit, which means that the operation behaviors of drawing money and transferring accounts and the like of the trader on the fund with the corresponding limit in the bank account in a period of time are limited by the bank. Optionally, the amount of the first fund to be frozen may be set by the transaction manager through the transaction management terminal, and may also be set according to the credit rating of the trader, the value of the trader, the time sequence of the trader registering and participating in the transaction, and other factors. In particular, the higher the value of the transaction, the higher the amount of the frozen first fund should be. The higher the credit rating of the trader, the earlier the trader enters into the trade, and the lower the frozen first fund amount, provided the value of the trader has been determined. In contrast, the lower the credit rating of the trader, the later the trader is to enter into the trade, the higher the frozen first fund amount.
And S130, when a second fund settlement condition is met, calculating a second fund required for reaching the set transaction price and a settlement mode of the second fund on the basis of the first fund.
Wherein the second fund settlement condition is a condition for settling the fund amount to be paid by the trader in the transaction. For example, in an auction scenario, the second fund settlement condition is the end of the auction period, the time of the bid has ended and the ultimate buyer has determined. Optionally, the server receives the message that the transaction time is over, and when the final data of the trader is received, the second fund settlement condition is considered to be satisfied. Here, the transaction price is set to be equal to or less than the final transaction price of the transaction. For example, the transaction price is set as the final transaction price in the auction, that is, the sum of the falling weight price of the auction product itself, the commission fee charged by the auction company and the related fee occurred in the payment and distribution process.
On the basis of the first funds, calculating second funds required to reach a set transaction price and a settlement mode of the second funds. Specifically, if the set transaction price exceeds the first fund limit, the settlement mode is to compensate the payment amount; if the set transaction price is lower than the first fund amount, the settlement mode is a refund difference; when the set transaction price is equal to the first fund amount, the settlement mode is not returned and is not compensated.
And S140, calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
The bank account interface is a data interface between the bank and the fund management system in the group and between the bank and the bank online banking system developed by the group enterprise, the fund management system in the enterprise is connected with the bank online banking system through the data interface, and the bank completes account book setting, accounting program and account checking business of the enterprise.
And the server calls a bank account interface to settle the second fund in the bank account according to the settlement mode calculated in the step S130. And when the settlement mode is the compensation balance, the server sends the reminding information of the compensation balance to the trader terminal, and after receiving the message that the trader pays successfully, the server calls the bank account interface to deduct the fund of the second fund amount from the bank account of the corresponding trader and sends the reminding information of successful deduction to the trader terminal. And when the settlement mode is refund balance, the server calls a bank account interface to unfreeze the bank account, refunds the fund of the second fund amount in the bank account, and sends a message of reminding that the deduction is successful to the trader terminal. And when the settlement mode is not returned and not compensated, the server calls a bank account interface to directly deduct the fund of the second fund amount in the bank account and sends a message of reminding the successful deduction to the trader terminal.
The embodiment of the invention carries out fund transaction control based on bank guarantee payment, and freezes the first fund with a set amount through a bank guarantee payment gateway when the first fund freezing condition is met; when a second fund settlement condition is met, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund on the basis of the first fund; and calling a bank account interface to settle the second fund in the bank account according to the settlement mode. The embodiment of the invention ensures the safety, the accuracy and the effectiveness of fund transaction by taking a bank as a support and the safety level of financial safety level. The fund transaction scene in the embodiment seamlessly interfaces the bank guarantee payment gateway and the bank accounting interface, so that the whole fund transaction process is automatically completed without manual intervention, the automation degree of fund transaction is improved, and the real-time performance of transaction is ensured. In addition, the fund flow involved in the fund transaction is independently controlled by the bank, and the fund of the trader is frozen on the own bank account of the trader in a fund freezing mode, so that the fund safety of the trader is ensured. The whole process is free from participation of a third-party fund transaction platform, so that the fund is prevented from flowing into the third-party fund transaction platform such as an auction platform, the safety of the fund in the fund transaction process is effectively guaranteed, and the fund transaction is safely and automatically carried out in real time.
Example two
Fig. 2 is a flowchart of a fund transaction control method in a second embodiment of the present invention, which is further optimized based on the first embodiment, and optionally, an operation "freeze the second fund in the bank account through the bank vouch-for-payment gateway" is additionally performed before the bank accounting interface is invoked to settle the second fund in the bank account in the settlement manner.
As shown in fig. 2, the method includes:
s210, transaction body information is obtained, wherein the transaction body information comprises transaction body identity information and bank account information.
And S220, when the first fund freezing condition is met, after the identity information of the transaction person is verified through the bank guarantee payment gateway, freezing the first fund with a set limit in the bank account corresponding to the bank account information.
And S230, when a second fund settlement condition is met, calculating a second fund required for reaching the set transaction price and a settlement mode of the second fund on the basis of the first fund.
S240, the second fund is frozen in the bank account through the bank guarantee payment gateway.
Optionally, after the second fund is calculated, the second fund can be frozen in the bank account; or when the balance of the bank account is less than the second fund amount, after receiving the message that the trader pays the second fund to the bank account, freezing the second fund in the bank account.
It should be noted that the bank account where the second fund and the first fund are deposited corresponds to the bank account information of the transactor. Specifically, the bank account information may correspond to one or at least two bank accounts, and the bank accounts blocked by the first fund and the second fund may be the same or different.
In this embodiment, details of the bank vouch-for payment gateway are described in the above embodiments, and will not be described here.
And S250, calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
According to the embodiment of the invention, before the bank account interface is called to settle the second fund in the bank account according to the settlement mode, the second fund is frozen in the bank account through the bank guarantee payment gateway, so that the safety of the second fund in fund transaction is effectively ensured. Meanwhile, the second fund is frozen, so that the possibility of expanding the operation of adding a fund transaction management terminal in the subsequent process of the fund transaction is provided, and the flexibility and the expandability of the fund transaction are improved.
EXAMPLE III
Fig. 3 is a flowchart of a fund transaction control method in a third embodiment of the present invention, which is further optimized based on the above-mentioned embodiments, and optionally, before the bank account interface is invoked to settle the second fund in the bank account according to the settlement method, the third embodiment performs an additional operation "generate a transaction order" and send the transaction order to the trader terminal and the transaction management terminal ".
Optionally, the operation "call bank account interface to settle the second fund in the bank account according to the settlement mode", and the operation "respond to the order confirmation message sent by the trader terminal and the order confirmation message sent by the transaction management terminal, and update the state of the transaction order to be the settlement state; and responding to the settlement state, calling a bank accounting interface to settle the second fund in the bank account according to the settlement mode.
Optionally, after calculating a second fund required for reaching the set transaction price and a settlement mode of the second fund on the basis of the first fund when the second fund settlement condition is satisfied, adding any one of the following operations "if an order confirmation message sent by the trader terminal is not received within a set time length, updating the state of the transaction order to be a trader failure state, and returning the first fund in the bank account through a bank guarantee payment gateway in response to the trader failure state; and if a transaction termination message sent by the transaction management terminal is received, updating the state of the transaction order to be a platform failure state, and responding to the platform failure state, and performing indemnification on the first fund in the bank account through the bank guarantee payment gateway. "
As shown in fig. 3, the method includes:
s310, transaction body information is obtained, and the transaction body information comprises transaction body identity information and bank account information.
S320, when the first fund freezing condition is met, after the identity information of the transaction person is verified through the bank guarantee payment gateway, the first fund with the set limit is frozen in the bank account corresponding to the bank account information.
And S330, when a second fund settlement condition is met, calculating a second fund required for reaching the set transaction price and a settlement mode of the second fund on the basis of the first fund.
And S340, generating a trading order and sending the trading order to the trader terminal and the trading management terminal.
And S341, judging whether an order confirmation message sent by the trader terminal is received within a set time length, and whether an order confirmation message or a trading termination message sent by the trading management terminal is received. If the order confirmation message sent by the trader terminal is received within the set time length and the order confirmation message sent by the trading management terminal is received, S350 is executed; and if the order confirmation message sent by the trader terminal is not received within the set time length, jumping to S360. If the order termination message sent by the transaction management terminal is received, it jumps to S370.
The trade order may include: trade article information name, bargaining price, user name of trader, mobile phone number, etc., trade time, place and trade initiator information, etc. Otherwise, the server updates the state of the transaction order to be a failure state of the trader, responds to the failure state of the trader, calls a bank guarantee payment gateway, and returns the first fund in the bank account through the bank guarantee payment gateway. The set time period may be several minutes, and is not limited herein and is determined according to specific situations.
And S350, updating the state of the trade order into a settlement state in response to the order confirmation message sent by the trader terminal and the order confirmation message sent by the trade management terminal. Execution continues with S351.
And the server receives the order confirmation message sent by the trader terminal and receives the order confirmation message sent by the trading management terminal within the set time length, and then calls a bank guarantee payment gateway to freeze the second fund in the bank account. Further, the state of the trade order is updated to be a settlement state.
And S351, responding to the settlement state, calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
In the embodiment, when the fund settlement is performed, the transaction order state is taken as the settlement state as the trigger condition, so that the fund settlement is performed according to the life cycle of the transaction order.
And S360, updating the state of the transaction order to be a failure state of the trader, and returning the first fund in the bank account through the bank guarantee payment gateway in response to the failure state of the trader.
And when the server does not receive the order confirmation message sent by the trader terminal within the set time, the transaction fails, the transaction failure is attributed to the trader, the server updates the transaction order state to be the trader failure state, and calls a bank guarantee payment gateway to return the first fund in the bank account through the bank guarantee payment gateway. The amount returned may be lower than the amount of the first fund or equal to the amount of the first fund, which is not limited herein and is determined according to actual conditions.
And if the server receives a transaction termination message sent by the transaction management terminal, updating the state of the transaction order to be a failure state of the transactor, calling a bank guarantee payment gateway, and performing indemnification on the first fund in the bank account through the bank guarantee payment gateway.
And S370, updating the state of the transaction order into a platform failure state, and responding to the platform failure state, and performing indemnification on the first fund in the bank account through a bank guarantee payment gateway.
And when the server receives the order termination message sent by the transaction management terminal, the transaction is failed, the transaction failure is attributed to the transaction management party, and the server updates the state of the transaction order into a platform failure state. And calling a bank guarantee payment gateway, and performing claims on the first fund in the bank account through the bank guarantee payment gateway. The amount of the fund to be paid may be one time or several times of the first fund amount, and is not limited herein, and is determined according to actual conditions.
The embodiment of the invention provides a fund transaction control method, wherein electronic equipment executing the fund transaction method updates a transaction order state according to received order information, triggers fund settlement operation according to the order state, automatically completes a fund transaction process, does not need manual access in the whole process, realizes real-time and automatic processing of fund transaction, improves the fund transaction efficiency, saves manual operation time, reduces waiting time of traders, and improves user experience.
Example four
Fig. 4 is a flowchart of a fund transaction control method in a fourth embodiment of the present invention, which is further optimized on the basis of the above embodiments, and optionally, before calculating a second fund required to reach a set transaction price and a settlement manner of the second fund on the basis of the first fund when the second fund settlement condition is satisfied, additionally performing "whether the first fund freezing condition is satisfied or not based on a trader rule, a transaction rule and a current transaction stage". "
Optionally, when the second fund settlement condition is satisfied, on the basis of the first fund, before calculating a second fund required for reaching the set transaction price and a settlement manner of the second fund, additionally performing operation "based on a trader rule, a transaction rule, a current transaction stage and a current first fund transaction state, and determining whether the second fund settlement condition is satisfied. "
As shown in fig. 4, the method includes:
s410, acquiring transaction body information, wherein the transaction body information comprises transaction body identity information and bank account information.
And S420, judging whether a first fund freezing condition is met. If so, go to S430; if not, it jumps to S440.
And judging whether the first fund can be frozen or not according to the current transaction stage and the trader rule and the transaction rule input by the transaction management terminal. In particular, the transaction phase may include: an entry stage, a transaction starting stage, a transaction proceeding and transaction ending stage. The trader rules and the trading rules may be entered by a trading management terminal. The first funds' frozen condition is met only if the trader has completed the registration and entry and has committed the first funds during the trading start phase.
S430, after the identity information of the transaction person is verified through the bank guarantee payment gateway, freezing first funds with set limits in a bank account corresponding to the bank account information.
And S440, updating the transaction state into a transaction closing state. Execution returns to S420.
In response to the trader not paying the first funds in the corresponding amount during the trading start phase, the server updates the trading state to a trading close state.
And S450, judging whether a second fund settlement condition is met. If so, then S460 is performed sequentially; if not, it jumps to S480.
And judging whether a second fund settlement condition is met according to the current first fund transaction state and the trader rule and the transaction rule input by the transaction management terminal. Specifically, only when the trader obtaining the final trading right is determined in the trading end stage, the second fund settlement condition is met when the current first fund in the bank of the trader is in the frozen state.
And S460, calculating second funds required for reaching the set transaction price and a settlement mode of the second funds on the basis of the first funds.
And S470, calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
And S480, keeping the transaction state unchanged until a second fund settlement condition is met.
The embodiment of the invention carries out fund transaction control based on bank guarantee payment, and the server updates the transaction state and the order state in real time according to the current transaction stage, the trader rule, the transaction rule, the life cycle of the first fund and the operation information of the trader terminal and the transaction management terminal from the beginning of the transaction to the end of the transaction, and automatically calls the bank payment gateway and the bank accounting interface to complete fund transfer. The whole transaction process is free of manual intervention, and real-time automatic processing of the whole life cycle of the fund transaction is realized. The embodiment of the invention improves the efficiency of fund transaction, ensures the real-time property of fund transaction and improves the user experience of traders.
In a specific application scenario, when a fund transaction activity is an online auction activity, the server issues bidding information after acquiring the bidding rule, the bidder rule and the prior bidder rule set by a transaction manager through the transaction management terminal and the bidding object information of the auction.
The auction process enters the beginning stage, the bidder reports and pays a guarantee fee after reading the notice and looking for the sample on the spot, and the server acquires the information of the bidder input by the bidder through the trader terminal. The server calls a bank guarantee payment gateway, after the identity information of the bidder is verified through the bank guarantee payment gateway, a guarantee fund with a certain amount is frozen in a bank account corresponding to the bank account information, namely first fund.
The auction process enters into auction stage, the auction personnel auction through trader terminal, the server bids for the bid order sent by the trader terminal according to auction rules, and sends the bid of the trader terminal to other trader terminals and trading management terminal in real time. During the auction, the service maintains an auction time.
When the auction time is over, the auction enters an end stage at the moment, the tail settlement condition, namely the second fund settlement condition, is met, and the server automatically calculates the settlement mode of the tail and the deposit required for reaching the set transaction price on the basis of the deposit according to the information such as the auction rule, the bidder rule, the prior bidder rule and the like input by the transaction management terminal. The calculation content comprises a shot calculation, a commission calculation, a payment calculation and the like. After the settlement mode calculation is completed, the server sends the trading order to the trader terminal for the bidder to determine. The bidder confirms the order message and replenishes the payment, the transaction platform server responds to the message that the payment of the transaction terminal is successful and calls the bank payment gateway, and the payment gateway freezes the payment. Meanwhile, the server sends the trade order to the trade management terminal, and updates the state of the trade order into a settlement state after receiving the trade confirmation message of the trade management terminal. And the server responds to the settlement state and calls a bank account interface to settle the final payment in the bank account according to the settlement mode.
EXAMPLE five
Fig. 5 is a schematic structural diagram of a fund transaction control device in the fifth embodiment of the present invention, which is applicable to fund transactions and can effectively ensure the security of funds in transactions. The apparatus may be implemented by software and/or hardware, and may be configured in an electronic device.
As shown in fig. 5, the apparatus 500 may include: an information acquisition module 510, a first fund freezing module 520, a settlement mode calculation module 530, and a fund settlement module 540.
An information obtaining module 510, configured to obtain transaction subject information, where the transaction subject information includes transaction person identity information and bank account information;
a first fund freezing module 520, configured to freeze a first fund with a set amount in a bank account corresponding to the bank account information after the identity information of the transaction is verified by the bank guarantee payment gateway when a first fund freezing condition is met;
a settlement means calculation module 530 for calculating a second fund required to reach a set transaction price and a settlement means of the second fund on the basis of the first fund when a second fund settlement condition is satisfied;
and the fund settlement module 540 is configured to invoke a bank accounting interface to settle the second fund in the bank account according to the settlement manner.
The embodiment of the invention carries out fund transaction control based on bank guarantee payment, and freezes the first fund with a set amount through a bank guarantee payment gateway when the first fund freezing condition is met; when a second fund settlement condition is met, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund on the basis of the first fund; and calling a bank account interface to settle the second fund in the bank account according to the settlement mode. The embodiment of the invention ensures the safety, the accuracy and the effectiveness of fund transaction by taking a bank as a support and the safety level of financial safety level. The fund transaction scene in the embodiment seamlessly interfaces the bank guarantee payment gateway and the bank accounting interface, so that the whole fund transaction process is automatically completed without manual intervention, the automation degree of fund transaction is improved, and the real-time performance of transaction is ensured. In addition, the fund flow involved in the fund transaction is independently controlled by the bank, and the fund of the trader is frozen on the own bank account of the trader in a fund freezing mode, so that the fund safety of the trader is ensured. The whole process is free from participation of a third-party fund transaction platform, so that the fund is prevented from flowing into the third-party fund transaction platform such as an auction platform, the safety of the fund in the fund transaction process is effectively guaranteed, and the fund transaction is safely and automatically carried out in real time.
Optionally, the apparatus 500 further comprises: and the second fund freezing module is used for freezing the second fund in the bank account through the bank guarantee payment gateway before the second fund is settled in the bank account by calling the bank accounting interface according to the settlement mode.
Optionally, the apparatus 500 further comprises: the transaction order generation module is used for generating a transaction order before the second fund is settled in the bank account according to the settlement mode by calling the bank account interface, and sending the transaction order to a trader terminal and a transaction management terminal; accordingly, the fund settlement module 540 includes: the order state management unit is used for responding to order confirmation information sent by the trader terminal and order confirmation information sent by the trading management terminal and updating the trading order state into a settlement state; and the second fund settlement unit is used for responding to the settlement state and calling a bank accounting interface to settle the second fund in the bank account according to the settlement mode.
Optionally, the apparatus 500 further includes any one of the following modules: the first processing module is used for calculating second funds required by reaching a set transaction price and a settlement mode of the second funds on the basis of the first funds when a second fund settlement condition is met, updating the state of a transaction order to be a transactor failure state if an order confirmation message sent by a transactor terminal is not received within a set time length, and returning the first funds in the bank account through a bank guarantee payment gateway in response to the transactor failure state; and the second processing module is used for calculating second funds required for reaching a set transaction price and a settlement mode of the second funds on the basis of the first funds when the second fund settlement condition is met, updating the state of a transaction order to be a platform failure state if a transaction termination message sent by the transaction management terminal is received, and performing claim payment on the first funds in the bank account through a bank guarantee payment gateway in response to the platform failure state.
Optionally, the apparatus 500 further comprises: and the first judgment module is used for judging whether the first fund freezing condition is met or not based on the trader rule, the trading rule and the current trading stage before the first fund with a set limit is frozen in the bank account corresponding to the bank account information after the trader identity information is verified through the bank guarantee payment gateway when the first fund freezing condition is met.
Optionally, the apparatus 500 further comprises: and the second judgment module is used for judging whether the second fund settlement condition is met or not based on the trader rule, the trading rule, the current trading stage and the current first fund trading state before calculating the second fund required by reaching the set trading price and the settlement mode of the second fund on the basis of the first fund when the second fund settlement condition is met.
The fund transaction control device provided by the embodiment of the invention can execute the fund transaction control method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects for executing the fund transaction control method.
EXAMPLE six
Fig. 6 is a schematic structural diagram of an electronic device implementing a fund transaction control method according to an embodiment of the present invention. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the present application that are described and/or claimed herein.
As shown in fig. 6, the electronic apparatus includes: one or more processors 610, memory 620, and interfaces for connecting the various components, including a high-speed interface and a low-speed interface. The various components are interconnected using different buses and may be mounted on a common motherboard or in other manners as desired. The processor may process instructions for execution within the electronic device, including instructions stored in or on the memory to display graphical information of a GUI on an external input/output apparatus (such as a display device coupled to the interface). In other embodiments, multiple processors and/or multiple buses may be used, along with multiple memories and multiple memories, as desired. Also, multiple electronic devices may be connected, with each device providing portions of the necessary operations (e.g., as an array of devices, a set of blades, or a multi-processor system). One processor 610 is illustrated in fig. 6.
The memory 620, as a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to the fund transaction control method in the embodiment of the present application (for example, the system shown in fig. 5 includes an information acquisition module 510, a first fund freezing module 520, a settlement manner calculation module 530, and a fund settlement module 540). The processor 610 executes various functional applications and data processing of the electronic device by executing non-transitory software programs, instructions and modules stored in the memory 620, that is, implements the fund transaction control method in the above-described method embodiments.
The memory 620 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by use of an electronic device implementing the fund transaction control method, and the like. Further, the memory 620 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory 620 optionally includes memory located remotely from the processor 610, and these remote memories may be connected over a network to an electronic device that performs the funds transaction control method. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The electronic device performing the fund transaction control method may further include: an input device 630 and an output device 640. The processor 610, the memory 620, the input device 630, and the output device 640 may be connected by a bus or other means, such as the bus connection in fig. 6.
The input device 630 may receive input numeric or character information and generate key signal inputs related to user settings and function control of an electronic apparatus performing the fund transaction control method, such as a touch screen, a keypad, a mouse, a track pad, a touch pad, a pointing stick, one or more mouse buttons, a track ball, a joystick, or other input devices. The output device 640 may include a display device, an auxiliary lighting device (e.g., an LED), a haptic feedback device (e.g., a vibration motor), and the like. The display device may include, but is not limited to, a Liquid Crystal Display (LCD), a Light Emitting Diode (LED) display, and a plasma display. In some implementations, the display device can be a touch screen.
Various implementations of the systems and techniques described here can be realized in digital electronic circuitry, integrated circuitry, application specific ASICs (application specific integrated circuits), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.
These computer programs (also known as programs, software applications, or code) include machine instructions for a programmable processor, and may be implemented using high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. As used herein, the terms "machine-readable medium" and "computer-readable medium" refer to any computer program product, apparatus, and/or device (e.g., magnetic discs, optical disks, memory, Programmable Logic Devices (PLDs)) used to provide machine instructions and/or data to a programmable processor, including a machine-readable medium that receives machine instructions as a machine-readable signal. The term "machine-readable signal" refers to any signal used to provide machine instructions and/or data to a programmable processor.
To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.
The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), the internet, and blockchain networks.
The computer system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other.
It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present application may be executed in parallel, sequentially, or in different orders, and the present invention is not limited thereto as long as the desired results of the technical solutions disclosed in the present application can be achieved.
The above-described embodiments should not be construed as limiting the scope of the present application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.
EXAMPLE seven
The seventh embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a fund transaction control method according to the seventh embodiment of the present invention, where the computer program includes:
acquiring transaction main body information, wherein the transaction main body information comprises transaction person identity information and bank account information;
when a first fund freezing condition is met, after the identity information of the transaction person is verified through a bank payment gateway, freezing first fund with a set limit in a bank account corresponding to the bank account information;
when a second fund settlement condition is met, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund on the basis of the first fund;
and calling a bank account interface to settle the second fund in the bank account according to the settlement mode. The computer-readable storage media of embodiments of the invention may take any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, 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), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, or the like, as well as conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method of controlling a fund transaction, comprising:
acquiring transaction main body information, wherein the transaction main body information comprises transaction person identity information and bank account information;
when a first fund freezing condition is met, after the identity information of the transaction person is verified through a bank guarantee payment gateway, freezing first fund with a set limit in a bank account corresponding to the bank account information;
when a second fund settlement condition is met, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund on the basis of the first fund;
and calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
2. The method of claim 1, further comprising, prior to said invoking the bank financial interface to settle the second funds in the bank account in the settlement manner:
freezing, by the bank vouching payment gateway, the second funds in the bank account.
3. The method of claim 1 or 2, further comprising, prior to said invoking the bank financial interface to settle the second funds in the bank account in the settlement manner:
generating a trading order and sending the trading order to a trader terminal and a trading management terminal;
the calling a bank account interface to settle the second fund in the bank account according to the settlement mode comprises the following steps:
updating the state of the trade order to be a settlement state in response to an order confirmation message sent by the trader terminal and an order confirmation message sent by the trade management terminal;
and responding to the settlement state, calling a bank accounting interface to settle the second fund in the bank account according to the settlement mode.
4. The method according to claim 3, further comprising any one of the following operations after calculating a second fund required to reach a set transaction price and a settlement manner of the second fund on the basis of the first fund when the second fund settlement condition is satisfied:
if the order confirmation message sent by the trader terminal is not received within the set time length, updating the trading order state into a trader failure state, and returning the first fund in the bank account through the bank guarantee payment gateway in response to the trader failure state;
and if a transaction termination message sent by the transaction management terminal is received, updating the state of the transaction order to be a platform failure state, and responding to the platform failure state, and performing indemnification on the first fund in the bank account through the bank guarantee payment gateway.
5. The method according to claim 1, further comprising, before freezing the first fund in the set amount in the bank account corresponding to the bank account information after the transaction person identity information is verified through the bank guarantee payment gateway when the first fund freezing condition is satisfied, further:
based on the trader rules, the trading rules, and the current trading phase, it is determined whether a first fund freezing condition is satisfied.
6. The method according to claim 1 or 5, wherein before calculating a second fund required to reach a set transaction price and a settlement manner of the second fund on the basis of the first fund when the second fund settlement condition is satisfied, further comprising:
and judging whether a second fund settlement condition is met or not based on the trader rule, the trading rule, the current trading stage and the current first fund trading state.
7. A funds transaction control apparatus, comprising:
the information acquisition module is used for acquiring transaction main body information, wherein the transaction main body information comprises transaction person identity information and bank account information;
the first fund freezing module is used for freezing first fund with a set limit in a bank account corresponding to the bank account information after the identity information of the transaction person is verified through a bank guarantee payment gateway when a first fund freezing condition is met;
the settlement mode calculation module is used for calculating second funds required for reaching a set transaction price and a settlement mode of the second funds on the basis of the first funds when a second fund settlement condition is met;
and the fund settlement module is used for calling a bank account interface to settle the second fund in the bank account according to the settlement mode.
8. A funds transaction control apparatus, comprising:
and the second fund freezing module is used for freezing the second fund in the bank account through the bank guarantee payment gateway before the second fund is settled in the bank account by calling the bank accounting interface according to the settlement mode.
9. An electronic device, characterized in that the device comprises:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement a funds transaction control method as claimed in any one of claims 1 to 6.
10. A storage medium containing computer-readable instructions which, when executed by a computer processor, are operable to carry out a method of fund transaction control according to any one of claims 1 to 6.
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