CN112766938A

CN112766938A - Associated account asset transfer-out processing method and device

Info

Publication number: CN112766938A
Application number: CN202011633639.5A
Authority: CN
Inventors: 戴震
Original assignee: Shandong Digital Energy Trading Center Co ltd
Current assignee: Shandong Digital Energy Trading Center Co ltd
Priority date: 2020-12-31
Filing date: 2020-12-31
Publication date: 2021-05-07

Abstract

The embodiment of the invention relates to an asset transfer-out processing method and device of an associated account, wherein the method comprises the following steps: receiving first forwarding instruction data sent from a seller; performing buyer transfer confirmation processing according to the first transfer instruction data; if the buyer's transfer confirmation processing is successful, the first asset transfer processing is performed to the seller. The embodiment of the invention verifies the account number of the seller when executing the asset transfer-out, thereby ensuring the directionality of the asset transfer; whether the amount of money is out of limit or not is verified, and the safety of assets is guaranteed; the right is confirmed to the buyer, and the constraint of asset transfer is ensured.

Description

Associated account asset transfer-out processing method and device

Technical Field

The invention relates to the technical field of data processing, in particular to an asset transfer-out processing method and device of an associated account.

Background

In the trade of bulk commodities, particularly petrochemical commodities such as crude oil, petroleum, gasoline and the like, because of the large commodity trade volume, the buyer and the seller rarely settle accounts in a commodity-to-account mode, usually in a prepayment mode, and sometimes even require one-time full payment. In such a case, if problems such as spilling and replacing occur during distribution, major economic losses are incurred by the buyers.

To solve this problem, the buying and selling parties can establish an associated account with the third party, and the buyer can transfer the settlement assets to the account in advance, and the assets in the account can only be directionally transferred to the seller and need to be confirmed by the buyer before being transferred. This way, on the one hand, the seller does not have to worry about the buyer appropriating the asset, and on the other hand, the buyer also has a binding force on settlement.

Disclosure of Invention

The invention aims to provide an asset transfer-out processing method, an asset transfer-out processing device, electronic equipment, a computer program product and a computer readable storage medium for an associated account, wherein a seller account is verified when the asset transfer-out is executed, so that the directionality of asset transfer is ensured; whether the amount of money is out of limit or not is verified, and the safety of assets is guaranteed; the right is confirmed to the buyer, and the constraint of asset transfer is ensured.

In order to achieve the above object, a first aspect of the embodiments of the present invention provides an asset roll-out processing method for an associated account, where the method includes:

receiving first forwarding instruction data sent from a seller;

carrying out buyer transfer confirmation processing according to the first transfer instruction data;

and if the buyer transfer confirmation processing is successful, performing first asset transfer processing on the seller.

Preferably, the first transfer instruction data includes first seller account data and first transfer amount data.

Preferably, the processing of confirming the buyer's transfer according to the first transfer instruction data specifically includes:

performing first data inspection processing on the first output instruction data;

if the first data verification processing is successful, the first seller account data and the first transfer quantity data are used as instruction parameters to generate first transfer confirmation instruction data;

sending the first transfer confirmation instruction data to the buyer; receiving first instruction return data sent back from the buyer; the first instruction return data comprises first buyer account data and first transfer confirmation data;

returning data to the first instruction, and performing second data inspection processing;

and if the second data verification processing is successful, the buyer transfers the confirmation processing to be successful.

Further, the performing a first data check process on the first outgoing instruction data specifically includes:

performing first seller account verification processing on the first seller account data;

performing first slew limit inspection processing on the first output quantity data;

and if the first seller account verification processing is successful and the first translimit verification processing is successful, the first data verification processing is successful.

Further, the performing a second data check process on the data returned by the first instruction specifically includes:

performing first buyer account verification processing on the first buyer account data;

and when the first buyer account verification processing is successful and the first transfer confirmation data is transfer confirmation, the second data verification processing is successful.

Preferably, the performing, to the seller, the first asset transferring process specifically includes:

reading the asset balance of the associated account asset pool to generate first balance data;

and when the first balance data is not lower than the first transfer quantity data, extracting the assets corresponding to the first transfer quantity data from the associated account asset pool, and carrying out asset transfer processing on the account corresponding to the first seller account data.

A second aspect of the present invention provides an asset transfer processing apparatus for an associated account, including:

the acquisition module is used for receiving first transfer instruction data sent from a seller;

the processing module is used for carrying out buyer transfer confirmation processing according to the first transfer instruction data; and if the buyer transfer confirmation processing is successful, performing first asset transfer processing on the seller.

A third aspect of an embodiment of the present invention provides an electronic device, including: a memory, a processor, and a transceiver;

the processor is configured to be coupled to the memory, read and execute instructions in the memory, so as to implement the method steps of the first aspect;

the transceiver is coupled to the processor, and the processor controls the transceiver to transmit and receive messages.

A fourth aspect of embodiments of the present invention provides a computer program product comprising computer program code which, when executed by a computer, causes the computer to perform the method of the first aspect.

A fifth aspect of embodiments of the present invention provides a computer-readable storage medium storing computer instructions that, when executed by a computer, cause the computer to perform the method of the first aspect.

The embodiment of the invention provides an asset transfer-out processing method, an asset transfer-out processing device, electronic equipment, a computer program product and a computer readable storage medium for an associated account, wherein a seller account is verified when asset transfer-out is executed, so that the directionality of asset transfer is ensured; whether the amount of money is out of limit or not is verified, and the safety of assets is guaranteed; the right is confirmed to the buyer, and the constraint of asset transfer is ensured.

Drawings

Fig. 1 is a schematic diagram of an asset roll-out processing method for an associated account according to an embodiment of the present invention;

fig. 2 is a block diagram of an asset transfer processing device associated with an account according to a second embodiment of the present invention;

fig. 3 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The buyer and the seller establish a buyer account, a seller account and an associated account on a third-party institution, such as a financial institution and a third-party platform with public service capability, and the third institution is responsible for carrying out associated account management on the buyer and the seller; account information of the account of the buyer and the seller is required to be saved in the associated account and is used as the data of the account bound by the buyer and the seller for comparing the legality of the account; setting a transfer-out asset threshold value in the associated account, wherein the transfer-out asset threshold value is used for limiting the transfer-out quantity and ensuring the safety of assets in the account; the buyer stores the assets into the associated account asset pool in advance as the assets of the associated account; when the assets are transferred, a seller needs to initiate a transfer-out instruction to an associated account, the associated account initiates a transfer-out confirmation instruction for right confirmation to a buyer after the operations such as account number inspection, transfer limit inspection and the like are completed, and the assets in an asset pool of the associated account are transferred to a designated account after the buyer confirms the transfer-out confirmation instruction; an embodiment of the present invention provides a method for processing asset transfer-out of an associated account, which processes a process of responding to a transfer-out instruction by the associated account, as shown in fig. 1, which is a schematic diagram of the method for processing asset transfer-out of an associated account according to the embodiment of the present invention, the method mainly includes the following steps:

step 1, receiving first forwarding instruction data sent from a seller;

wherein the first roll-out instruction data includes first seller account data and first roll-out quantity data.

Here, the first transfer instruction data is an instruction for requesting an asset transfer initiated by the seller from the seller's account to the associated account, the first seller's account number data is an asset receiving account number given by the seller, that is, a receiving account number in general, and the first transfer amount data is an asset transfer amount given by the seller.

Step 2, carrying out buyer transfer confirmation processing according to the first transfer instruction data;

the method specifically comprises the following steps: step 21, performing first data inspection processing on the first transfer instruction data;

the method specifically comprises the following steps: step 211, performing a first seller account verification process on the first seller account data;

the method specifically comprises the following steps: comparing the first seller account data by using preset seller binding account data, and when the seller binding account data is the same as the first seller account data, successfully checking the first seller account;

here, as described above, account information of the buyer and seller accounts is retained in the associated account and is used as the buyer and seller binding account data, so that when a transfer-out instruction is received, it is required to verify whether the first seller account data in the instruction is consistent with the seller binding account data, and if so, the subsequent steps are continued; if the current asset transfer processing flow is inconsistent with the asset transfer processing flow, the associated account management party can stop the current asset transfer processing flow and send a message of similar account information error to the seller;

step 212, performing first slew limit inspection processing on the first output quantity data;

the method specifically comprises the following steps: comparing the first transfer quantity data by using a preset transfer asset threshold value, and when the first transfer quantity data does not exceed the transfer asset threshold value, successfully carrying out first transfer limit inspection processing;

here, as described above, a transfer-out asset threshold is set in the associated account for limiting the transfer-out amount and ensuring the security of the assets in the account, and if the first transfer-out amount data requested by the buyer exceeds the value, the associated account manager terminates the current asset transfer-out processing flow and sends a message like the amount of money exceeding the limit to the seller;

step 213, if the first seller account verification processing is successful and the first translimit verification processing is successful, the first data verification processing is successful;

here, the condition that the first data verification process is successful is that both the first seller account verification process and the first transition limit verification process are successful, which indicates that the seller-initiated roll-out instruction requires no violation;

step 22, if the first data verification processing is successful, the first seller account data and the first transfer quantity data are used as instruction parameters to generate first transfer confirmation instruction data;

step 23, sending the first transfer confirmation instruction data to the buyer; receiving first instruction return data sent back from the buyer;

the first instruction return data comprises first buyer account data and first transfer confirmation data;

here, the first transfer confirmation instruction data is an instruction initiated from the associated account manager to the buyer to require an authority to confirm the asset transfer, and the instruction includes a receiving account number given by the seller, that is, first seller account number data, and also includes an asset transfer amount given by the seller, that is, first transfer amount data; the first buyer account data is the account information of the buyer;

after the buyer receives the first transfer confirmation instruction data, verifying the receiving account number and the asset transfer quantity submitted by the seller: if the buyer receives the seller goods and finishes the acceptance at the moment, and the two data have no problem, the first transfer confirmation data replied by the buyer is set as the confirmation transfer; if the buyer does not receive the seller goods, or fails to complete the acceptance, or the two data have errors, the first transfer confirmation data returned by the buyer is set as specific error information;

24, returning data to the first instruction, and performing second data inspection processing;

the method specifically comprises the following steps: step 241, performing first buyer account verification processing on the first buyer account data of the first instruction return data;

the method specifically comprises the following steps: comparing the first buyer account data by using preset buyer binding account data, and when the buyer binding account data is the same as the first buyer account data, successfully checking and processing the first buyer account;

here, as described above, account information of the account of the buyer and the seller is retained in the associated account and is used as the data of the account bound to the buyer and the seller, so when the first instruction return data is received, it is necessary to verify whether the first buyer account data in the return data is consistent with the data of the buyer bound account, and if so, the subsequent steps are continued; if the current asset transfer processing flow is inconsistent with the current asset transfer processing flow, the associated account management party terminates the current asset transfer processing flow and sends a message like an account information error to the buyer account;

step 242, when the first buyer account verification processing is successful and the first transfer confirmation data is the confirmation transfer, the second data verification processing is successful;

here, the condition that the first data verification processing is successful is that the first buyer account verification processing is successful, and the result of the right of the buyer, that is, the first transfer confirmation data is a confirmation transfer, which indicates that the buyer successfully confirms the right of the transfer instruction initiated by the seller;

in step 25, if the second data verification process is successful, the buyer will transfer the confirmation process.

Here, after the compliance check of the first transfer instruction data by the step 21 is successful, the confirmation reply of the right of the buyer, that is, the first instruction return data is acquired by the steps 22 to 23, and the confirmation check of the right of the first instruction return data of the buyer by the step 24 is also successful, the overall process of the buyer transfer confirmation process may be considered to be successful. The asset transfer operation can be initiated in the next step.

Step 3, if the buyer transfers and confirms that the processing is successful, the buyer transfers and processes the first asset to the seller;

the method specifically comprises the following steps: step 31, reading the asset balance of the associated account asset pool, and generating first balance data;

step 32, when the first balance data is not lower than the first transfer quantity data, extracting assets corresponding to the first transfer quantity data from the associated account asset pool, and carrying out asset transfer processing on accounts corresponding to the first seller account data;

here, the assets are transferred from the related account to the seller account, and the quantity of the transferred assets is equal to the first transfer quantity data; before transfer, the associated account will have a balance more than the balance of the assets in the asset pool of the associated account, and if the balance is insufficient, the associated account manager will terminate the current asset transfer-out process and will send a message like insufficient balance of the account to the buyer, and/or seller account.

After the asset transfer is completed, the associated account management party can count data related to the transfer, such as balance before and after the transfer, transfer time, transfer quantity, namely first transfer quantity data, an account corresponding to account data of a first seller and the like, and send the statistical data to the buyer and the seller in a mode of instructions or notification information; after the seller receives the instruction or notification, the seller can check whether the account is paid out by inquiring the account balance.

Fig. 2 is a block diagram of an asset roll-out processing apparatus associated with an account according to a second embodiment of the present invention, where the apparatus may be a terminal device or a server implementing the method according to the second embodiment of the present invention, or an apparatus connected to the terminal device or the server implementing the method according to the second embodiment of the present invention, and for example, the apparatus may be an apparatus or a chip system of the terminal device or the server. As shown in fig. 2, the apparatus includes:

the obtaining module 201 is configured to receive first forwarding instruction data sent from a seller;

the processing module 202 is used for performing buyer transfer confirmation processing according to the first transfer instruction data; if the buyer's transfer confirmation processing is successful, the first asset transfer processing is performed to the seller.

The asset roll-out processing device of the associated account provided by the embodiment of the invention can execute the method steps in the method embodiment, and the implementation principle and the technical effect are similar, and are not described again.

It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And these modules can be realized in the form of software called by processing element; or may be implemented entirely in hardware; and part of the modules can be realized in the form of calling software by the processing element, and part of the modules can be realized in the form of hardware. For example, the obtaining module may be a processing element separately set up, or may be implemented by being integrated in a chip of the apparatus, or may be stored in a memory of the apparatus in the form of program code, and a processing element of the apparatus calls and executes the functions of the determining module. Other modules are implemented similarly. In addition, all or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software.

For example, the above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), or one or more Digital Signal Processors (DSPs), or one or more Field Programmable Gate Arrays (FPGAs), etc. For another example, when some of the above modules are implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor that can invoke the program code. As another example, these modules may be integrated together and implemented in the form of a System-on-a-chip (SOC).

In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the invention to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, bluetooth, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that includes one or more of the available media. The usable medium may be a magnetic medium (e.g., a floppy disk, a hard disk, a magnetic tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a Solid State Disk (SSD)), etc.

Fig. 3 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention. The electronic device may be the terminal device or the server, or may be a terminal device or a server connected to the terminal device or the server and implementing the method according to the embodiment of the present invention. As shown in fig. 3, the electronic device may include: a processor 31 (e.g., CPU), a memory 32, a transceiver 33; the transceiver 33 is coupled to the processor 31, and the processor 31 controls the transceiving operation of the transceiver 33. Various instructions may be stored in memory 32 for performing various processing functions and implementing the methods and processes provided in the above-described embodiments of the present invention. Preferably, the electronic device according to an embodiment of the present invention further includes: a power supply 34, a system bus 35, and a communication port 36. The system bus 35 is used to implement communication connections between the elements. The communication port 36 is used for connection communication between the electronic device and other peripherals.

The system bus mentioned in fig. 3 may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus or the like. The system bus may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus. The communication interface is used for realizing communication between the database access device and other equipment (such as a client, a read-write library and a read-only library). The Memory may include a Random Access Memory (RAM) and may also include a Non-Volatile Memory (Non-Volatile Memory), such as at least one disk Memory.

The Processor may be a general-purpose Processor, including a central processing unit CPU, a Network Processor (NP), and the like; but also a digital signal processor DSP, an application specific integrated circuit ASIC, a field programmable gate array FPGA or other programmable logic device, discrete gate or transistor logic, discrete hardware components.

It should be noted that the embodiment of the present invention also provides a computer-readable storage medium, which stores instructions that, when executed on a computer, cause the computer to execute the method and the processing procedure provided in the above-mentioned embodiment.

The embodiment of the invention also provides a chip for running the instructions, and the chip is used for executing the method and the processing process provided by the embodiment.

Embodiments of the present invention also provide a program product, which includes a computer program stored in a storage medium, from which the computer program can be read by at least one processor, and the at least one processor executes the methods and processes provided in the embodiments.

Those of skill would further appreciate that the various illustrative components and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, a software module executed by a processor, or a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are merely exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A method for processing an asset transfer-out of an associated account, the method comprising:

receiving first forwarding instruction data sent from a seller;

2. The method of claim 1, wherein the first transfer instruction data comprises first seller account number data and first transfer amount data.

3. The method of claim 2, wherein the step of confirming the transfer of the buyer according to the first transfer instruction data comprises:

4. The method for processing asset roll-out of an associated account according to claim 3, wherein the performing of the first data verification processing on the first roll-out instruction data specifically includes:

5. The method for processing asset roll-out of an associated account according to claim 3, wherein the second data verification processing is performed on the first instruction return data, specifically comprising:

6. The method according to claim 1, wherein the performing a first asset transfer process to the seller specifically includes:

7. An account-associated asset roll-out processing apparatus, comprising:

8. An electronic device, comprising: a memory, a processor, and a transceiver;

the processor is used for being coupled with the memory, reading and executing the instructions in the memory to realize the method steps of any one of claims 1-6;

9. A computer program product, characterized in that the computer program product comprises computer program code which, when executed by a computer, causes the computer to perform the method of any of claims 1-6.

10. A computer-readable storage medium having stored thereon computer instructions which, when executed by a computer, cause the computer to perform the method of any of claims 1-6.