CN113298512A - Capital data information processing method and device and electronic equipment - Google Patents

Abstract

The embodiments of the present application disclose a method, an apparatus, and an electronic device for processing capital data information. The method includes: receiving a notification message about the generation of in-transit capital data by a first account; the in-transit capital data includes information of the first account and the second account , the first account is the target transfer-in account of the in-transit capital data, and the second account is the transfer-out account of the in-transit capital data; the in-transit capital data is used for transactions generated in the commodity object information system The order is paid; the risk assessment is performed on the in-transit fund data; if the risk assessment result meets the target conditions, the target amount is determined; a transfer request is sent to the associated financial institution system, and the transfer request is used to Funding data is transferred from the third account to the first account. By means of the embodiments of the present application, the impact on the payee user caused by the funds being in transit for too long can be reduced.

Description

Fund data information processing method, device and electronic device

technical field

The present application relates to the technical field of capital data processing, in particular to a method, device and electronic device for processing capital data information.

Background technique

In the commodity object information service system, there are several modes such as B2C (business-to-consumer), C2C (consumer-to-consumer), and B2B (business-to-business). Among them, in the B2C or C2C mode, buyers and users can pay directly online after placing an order online. In the B2B transaction scenario, since the amount of the order involved is often relatively large, after the buyer and the seller complete the order online, the buyer user usually needs to pay by offline remittance. Specifically, the seller user can usually provide a collection account to the buyer user, and then the buyer user goes to the bank to transfer money to the collection account. However, in the process of remittance, due to the processing time between banks, there will be problems such as opaque information and long arrival time. Especially in cross-border trade, cross-border remittance usually takes 3-7 days or even longer.

The existence of the above situation will lead to the following problems: Since the amount involved in the transaction order in the B2B scenario is often relatively large, when the remittance takes a long time to arrive, it may lead to difficulties in capital turnover for sellers and users, etc. situation, which in turn may affect the replenishment process, resulting in the generation of more transaction orders, etc.

SUMMARY OF THE INVENTION

The present application provides a method, device and electronic device for processing funds data information, which can reduce the impact on the payee user caused by the funds being in transit for a long time.

This application provides the following solutions:

A method for processing capital data information, comprising:

Receive a notification message that the first account generates in-transit capital data; the in-transit capital data includes information of a first account and a second account, the first account is the target transfer account of the in-transit capital data, and the second The account is the outgoing account of the in-transit capital data; the in-transit capital data is used to pay for the transaction order generated in the commodity object information system;

conducting a risk assessment on the said funds-in-transit data;

If the risk assessment results meet the target conditions, determine the target amount;

A transfer request is sent to the associated financial institution system, where the transfer request is used to transfer the fund data corresponding to the target amount from the third account to the first account.

A method for processing capital data information, comprising:

Provide the first user with a fund information display page;

On the fund information display page, the fund data entered into the associated first account is displayed, and an operation option for associating transaction order information with the entered fund data is provided; After the first account generates the in-transit fund data, the commodity object information system transfers the fund data from the third account to the first account through the associated financial institution system;

After receiving the input transaction order information through the operation option, it is submitted to the server.

A method for displaying transaction order information, comprising:

receiving a request for viewing a target transaction order from a first user; the first user is a payee user associated with the target transaction order;

Obtain the information of the target transaction order, wherein the information of the target transaction order includes: the information of the credited fund data associated with the target transaction order; the credited fund data is after the associated first account generates the in-transit fund data , the fund data transferred from the third account to the first account by the commodity object information system through the associated financial institution system;

The information of the credited fund data is displayed on the detailed information page of the target transaction order.

A capital data information processing device, comprising:

A notification message receiving unit, configured to receive a notification message about the generation of in-transit capital data by the first account; the in-transit capital data includes information of a first account and a second account, and the first account is the target transfer of the in-transit capital data an in-transit account, and the second account is a transfer-out account of the in-transit capital data; the in-transit capital data is used to pay for the transaction order generated in the commodity object information system;

a risk assessment unit, configured to perform risk assessment on the in-transit capital data;

A target amount determination unit, used to determine the target amount if the risk assessment result meets the target condition;

A transfer request unit, configured to send a transfer request to the associated financial institution system, where the transfer request is used to transfer the fund data corresponding to the target amount from the third account to the first account.

A capital data information processing device, comprising:

a fund information page providing unit, used to provide a fund information display page to the first user;

an associated option providing unit, configured to display the fund data entered into the associated first account on the fund information display page, and provide an operation option for associating transaction order information for the entered fund data; the The fund data entered into the account is the fund data transferred from the third account to the first account by the commodity object information system through the associated financial institution system after the first account generates the in-transit fund data;

The transaction order information submission unit is configured to submit the input transaction order information to the server after receiving the input transaction order information through the operation option.

A transaction order information display device, comprising:

A viewing request receiving unit, configured to receive a viewing request for a target transaction order from a first user; the first user is a payee user associated with the target transaction order;

The order information obtaining unit is configured to obtain the information of the target transaction order, wherein the information of the target transaction order includes: the information of the recorded capital data associated with the target transaction order; After an account generates in-transit fund data, the commodity object information system transfers the fund data from the third account to the first account through the associated financial institution system;

A display unit, configured to display the information of the credited fund data on the detail information page of the target transaction order.

According to the specific embodiments provided by the application, the application discloses the following technical effects:

Through the embodiment of the present application, it is possible to perceive the event in which the in-transit fund data is generated in the first account, and perform risk assessment on the in-transit fund data. If the evaluation is passed, the target amount of funds can be transferred from the third account to the first account. data. In this way, before the specific in-transit fund data is actually recorded in the first account, the associated first user can receive the specific in-transit funds in advance, reducing the impact on the payee user due to the long time of the funds in transit. . For example, the advance funds received can be withdrawn for replenishment, so as to ensure sufficient inventory of commodity objects and maintain a saleable state, so as to avoid affecting the completion of subsequent transactions.

Among them, the ownership of the third account and the first account can be the commodity object information system, and can even be associated with the same financial institution. In this way, there is usually no cross-border transfer, etc., and it is usually not limited by the quota. Therefore, Online "extremely fast credit" or even "instant credit" can be achieved.

Of course, implementing any product of the present application does not necessarily need to achieve all of the advantages described above at the same time.

Description of drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the accompanying drawings required in the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some of the present application. In the embodiments, for those of ordinary skill in the art, other drawings can also be obtained according to these drawings without any creative effort.

1 is a schematic diagram of a system architecture provided by an embodiment of the present application;

2 is a flowchart of a first method provided by an embodiment of the present application;

3 is a schematic diagram of a first interface provided by an embodiment of the present application;

4 is a schematic diagram of a second interface provided by an embodiment of the present application;

5 is a schematic diagram of an interaction timing relationship provided by an embodiment of the present application;

6 is a flowchart of a second method provided by an embodiment of the present application;

7 is a flowchart of a third method provided by an embodiment of the present application;

8 is a schematic diagram of a first device provided by an embodiment of the present application;

9 is a schematic diagram of a second device provided by an embodiment of the present application;

10 is a schematic diagram of a third device provided by an embodiment of the present application;

FIG. 11 is a schematic diagram of an electronic device provided by an embodiment of the present application.

Detailed ways

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art fall within the protection scope of this application.

First of all, it should be noted that, in the prior art, after a transaction order is generated, the commodity object information system usually only provides two states of pending payment and payment completion for the transaction order. In B2B scenarios such as cross-border transactions or the order amount involved is relatively large, since the buyer user may use offline remittance to pay for the order, the remittance is initiated from the buyer user to the buyer user's account. The account entry period may involve cross-country and cross-financial transfers, so it may take a long time. In addition, since the transaction order is generated online, and the payment operation is completed offline, the process from the seller user's account is completed, to the link to the specific transaction order, and the order is driven to the payment completion state. It takes a long time. Before the transaction order is driven to the payment completion state, it is difficult for the seller user to confirm whether the buyer user has paid, whether the specific payment can be successfully completed, and so on. Therefore, it is usually necessary to drive the transaction order to the payment completion state. Perform subsequent fulfillment processing on the transaction order to avoid losses to sellers and users.

In the embodiment of the present application, in order to shorten the performance time of the transaction order, the specific commodity object information system may cooperate with the in-transit capital network system. The data generated by multiple banks in the network are collected. If it is found that a first account generates data on funds in transit, it can be notified to the commodity object information system. After that, the commodity object information system can also perform a risk assessment on the in-transit fund data. If the risk assessment result meets the conditions, it can make an "advance payment" for the first account, and the "advanced" funds can be quickly deposited in the first account. Complete the account entry, thereby shortening the waiting time for the seller user to enter the account. Seller users can directly withdraw this part of the advanced funds for replenishment, etc., to ensure sufficient inventory and support the generation of more transaction orders. In addition, the specific advance payment data can also be associated with the specific transaction order. After receiving the advance payment from the specific transaction order, the seller user can enter the contract performance process in advance, thereby shortening the waiting time for contract performance, which is conducive to improving the relationship between buyers and sellers. user experience.

Among them, from the perspective of system architecture, referring to FIG. 1 , the embodiment of the present application can mainly use the commodity object information system (specifically, the commodity object information system that provides cross-border B2B services, of course, other commodity object information systems can also be used) ) to provide users with corresponding service functions related to capital advance. The commodity object information system can be divided into a server and a client. From the perspective of user identity, the client can be divided into a client corresponding to a seller user (which may be referred to as a first user in this embodiment of the present application), and a buyer A client terminal corresponding to a home user (may be referred to as a second user in this embodiment of the present application). Among them, the server can mainly interact with the in-transit capital network system, and provide the account information that needs to be monitored to the in-transit capital network system. The in-transit fund network system collects fund flow data generated by multiple financial institutions around the world, and when the first account in the collection (which may be an account used for collection corresponding to a first user) generates in-transit fund data Afterwards, the in-transit fund network system can notify the server. After receiving the notification, the server can conduct risk assessment and specific fund advance processing. In addition, the server can also obtain transaction orders associated with the funds data in transit. Wherein, when acquiring the specific associated transaction order information, if the second user provides the associated transaction order information in the postscript of the remittance document during remittance, it can be extracted from the notification message provided by the in-transit capital network system. . Alternatively, the information about the in-transit funds data can also be provided to the first user through the client terminal, which may include the payer user information (that is, the second user who is the buyer user), etc., which is not provided by the first user for association The operation option of the order information enables the first user to obtain the order information by communicating with the second user, and provides the operation option to the server. This enables the server to obtain the transaction order information associated with the capital data in transit through the first user client. Alternatively, the second user can also submit the information of the transaction order associated with the capital data in transit through the client terminal, and so on.

The specific implementation solutions provided by the embodiments of the present application are described in detail below.

Example 1

First, the first embodiment provides a method for processing capital data information from the perspective of the server of the commodity object information system. Referring to FIG. 2 , the method may specifically include:

S201: Receive a notification message about the generation of in-transit capital data by a first account; the in-transit capital data includes information of a first account and a second account, the first account is the target transfer-in account of the in-transit capital data, and the The second account is the outgoing account of the in-transit capital data; the in-transit capital data is used to pay for the transaction order generated in the commodity object information system;

In the embodiment of the present application, the specific in-transit fund data is that it has been transferred out from the second account associated with the payer, and has been transferred into the account with the first account associated with the payee as the target, but has not yet been credited to the first account. funding data. Such in-transit capital data can be specifically used to pay for the transaction order generated in the commodity object information system. For example, after a buyer user enters into a transaction with a seller user online and generates a transaction order online, according to the first account information provided by the seller user, the transaction order is paid by offline remittance; Due to circumstances such as cross-border, inter-bank, etc., the specific remitted fund data cannot be quickly completed in the first account, but it takes several days to complete the entry. Therefore, from the time when the buyer user completes the remittance of the capital data offline to when the seller user's first account actually receives the capital data, the capital data belongs to the in-transit capital data.

The first account here may be an account that is pre-applied by the commodity object information system to the associated financial institution and allocated to the seller user in the system. That is to say, there are multiple such first accounts, which can exist in the form of sub-accounts under a certain master account. The ownership of the first account belongs to the commodity object information system, but the right to use can belong to the seller in the system. user. Generally, one or more first accounts can be allocated to one seller user, and the correspondence between the identifier of the first account and the identifier of the seller user can be maintained by the commodity object information system. After the buyer user and the seller user generate a transaction order through online transactions, if the order amount is relatively large, or the cross-border payment is involved, the seller user can assign the first account assigned by the system to them. Provided to the buyer user, the buyer user can pay for the transaction order through offline remittance and other methods.

That is to say, the first account used by the seller user for payment is actually applied to the financial institution by the commodity object information system, and the ownership right belongs to the commodity object information system, which only gives the seller user the right to use; The commodity object information system can know which first accounts the seller user may use to receive payment. Furthermore, in the process of cooperating with the in-transit capital network system, the commodity object information system can provide the account set associated with the seller's user information to the in-transit capital network system. After the in-transit fund network system collects the specific in-transit fund data, if it finds that the specific target transfer account belongs to the account set, it can collect it and send a notification message to the commodity object information system. The in-transit capital network can notify the commodity object information system of the collected information about the in-transit capital data in real time, or, through a timing notification mechanism, at regular intervals, the in-transit funds collected within the time period can be notified. Information about the fund data is notified to the commodity object information system, and so on.

Among them, as mentioned above, the in-transit fund network system may be provided by an international organization. For example, the international organization may specifically include SWIFT (Society for Worldwide Interbank Financial Telecommunication or Society for Global Interbank Financial Telecommunication), which is a non-profit international cooperation organization among international financial institutions (such as banks), providing fast, efficient, and efficient services for international financial services. Accurate, excellent service. The GPI (Global Payment Innovate) project initiated by the organization can be a kind of in-transit capital network. This GPI project is a project involving large global banks. By establishing a SWIFT-GPI service circle between banks and following the rules of common design, it realizes transparent fund charges, traceable remittance status, and complete transfer of remittance information, greatly improving the internationalization of customers. payment experience. For a bank that joins the GPI project, when a customer initiates a remittance from the bank and other events, the banking system can upload the specific information to the in-transit capital network. Correspondingly, the in-transit capital network can provide information to the bank that joins the GPI project. The uploaded information is collected.

In the embodiment of the present application, it is possible to cooperate with the in-transit fund network system such as such a GPI project, and provide the account set information that needs to be monitored specifically to the in-transit fund network system. After the data is collected, the in-transit capital system can notify the relevant information to the commodity object information system.

Of course, during the specific implementation, the commodity object information system can also obtain the notification message about the generation of the in-transit fund data in the first account by other means. For example, the commodity object information system can also directly cooperate with the specific financial institution system, etc. , will not be described in detail here.

S202: Perform risk assessment on the in-transit fund data;

In order to avoid the occurrence of fraud and other situations, after the specific in-transit fund data is generated in the first account and before the specific advance fund processing is performed, a risk assessment may be performed on the in-transit fund data; if the risk assessment result meets the target conditions , and then proceed to the subsequent advance payment processing.

Wherein, during specific implementation, risk assessment may be performed on the in-transit capital data according to one or more of the following items: the amount of the in-transit capital data, the historical collection record information associated with the first account, the The historical payment record information associated with the second account, the historical transaction record information between the first user associated with the first account and the second user associated with the second account, the country, region, financial Institutional Information.

For example, if the amount of a certain amount of funds in transit is relatively moderate (it can be determined according to the average amount of historical transaction orders, for example, about 1 million), the risk is relatively low; otherwise, if the amount of funds in transit is too high, the risk may be relatively high. relatively high. Alternatively, if the first account has successfully collected money many times, or the second account has made multiple successful payments, the risk is relatively low; or, if the first user and the second user have had successful historical transaction records, then The risk will also be lower. In addition, the country, region, financial institution, etc. where the second user performs the remittance operation can also be used to perform risk assessment on the data of funds in transit. For example, if the financial institution issuing the remittance is a relatively large institution, the risk is relatively low, etc. During specific implementation, a risk control model can be established in advance, and a risk assessment can be performed on specific data of funds in transit through the specific model.

S203: If the risk assessment result meets the target condition, determine the target amount.

After it is determined that the risk assessment result of the current fund-in-transit data meets the conditions, the target amount can be determined so as to perform specific advance processing. Specifically, when determining the target amount, the entire amount of the funds in transit may be advanced, or only a part of the amount may be advanced. For the latter, the specific advance rate may be a fixed value (for example, advance payment at a uniform rate of 90%, etc.), or may also be based on the amount of the funds in transit and the risk score corresponding to the risk assessment result. value, the target amount is determined dynamically. For example, the risk assessment result of each in-transit fund data may have different risk scores, and different risk scores may correspond to different advance payment ratios. The higher the risk, the lower the advance payment ratio, and so on.

S204: Send a transfer request to the associated financial institution system, where the transfer request is used to transfer the fund data corresponding to the target amount from the third account to the first account.

Specifically, when the advance payment process is performed, the fund data corresponding to the target amount may be transferred from the third account to the first account through the associated financial institution system. After completing the above-mentioned fund transfer, the server may also provide a notification message about the fund transfer to the first user client associated with the first account, so that the first user can be informed of the fund transfer event. Wherein, in an implementation manner, the third account may be an account associated with the commodity object information system for providing specific advance payment services, that is, the ownership of the third account is also the commodity object information system. Since the ownership of the first account is also the commodity object information system, when transferring money from the third account to the first account, cross-border transfers are usually not involved. In an optional implementation manner, the specific first account and the third account can also be associated with the same financial institution, which can also avoid the situation of cross-banking. Therefore, when the specific advance payment is made, the "extremely fast arrival" of the specific advanced payment can be realized. account” or even “instant arrival”. That is to say, after the first account generates a piece of in-transit fund data, as long as the risk assessment of the commodity object information system is passed, the first account can receive an advance fund within a very short period of time. The corresponding first user can perform processing such as withdrawal of such funds for replenishment, and the like.

In addition, in the specific implementation, in order to ensure convenience, the advance payment situation of the specific commodity object information system does not need to be perceived by the first user. For this reason, the identifier of the transaction order associated with the specific in-transit fund data can also be determined; The credited funds corresponding to the target amount are notified to the first user associated with the first account in the name of the receivables of the transaction order. That is to say, after discovering that the first account has generated a piece of in-transit fund data, the commodity object information system makes an advance payment to the first account after risk assessment, so that the first account receives an amount of funds in advance. . However, as far as the first user is concerned, he only needs to know that there is a fund that has been credited in his first account, and that the fund is a receivable paid by the second user for a specific transaction order. In this way, increasing the difficulty of data management for the first user can be avoided.

Specifically, when determining the identifier of the transaction order associated with the in-transit capital data, there may be various methods. For example, in one way, the payer user, that is, the second user, may fill in the identification information of the specific associated transaction order in the postscript of the remittance document when initiating the remittance. In this way, the commodity object information system can extract the postscript information associated with the specific in-transit fund data from the received notification message, and obtain the identifier of the transaction order from the postscript information.

It should be noted that, regarding the information filled in by the specific second user in the postscript, there may be specific methods. For example, in one way, the specific postscript information may include: all or part of the characters of the ID of the transaction order. In this case, the postscript information may include all or part of the ID of the transaction order Part of the character that determines the identity of the transaction order. That is to say, number information such as the ID of the transaction order can be directly filled in, or, since the number information such as the ID of the transaction order is usually relatively long, it is also possible to fill in only a part of the characters in the ID, for example, the last 6 digits, and so on. Since the information of the first user, the second user, etc. is known, the probability that the characters on the above-mentioned part of the digits between different trading orders are all the same is not high. Therefore, this simplified way can be used in the postscript Fill in the transaction order information. After the commodity object information system extracts the specific postscript content from the notification message, it can determine the specific correspondence by comparing the characters in the postscript with the characters in the corresponding digits such as the ID of the specific transaction order. transaction order.

Or, in another way, the postscript information may also include: the identification information of the first user and/or the second user associated with the transaction order; The identification information of the first user and/or the second user, determine the uncompleted transaction order associated with the first user and/or the second user, and obtain the identification of the uncompleted transaction order. At this time, if there are multiple unfinished transaction orders associated with the first user and/or the second user, the confirmation may be further based on the amount information associated with the transaction order, or the confirmation by the first user or the second user, etc. .

Wherein, in the implementation manner in which the second user provides relevant information in the postscript of the remittance document, before the first account generates the in-transit fund data, if the second user associated with the second account receives the transaction order query request, information about the payment method and the first account may also be provided in the transaction order detail information page. For example, the second user is prompted to pay by offline remittance, and the first account information of the specific payee user can be provided at the same time, and so on. In addition, prompt information may also be provided in the transaction order detail information page to prompt the second user to provide the postscript information in a specified manner. For example, prompt the user to fill in the ID of the transaction order in the postscript, etc. In this way, it can be avoided that the second user fails to provide relevant information in the postscript due to reasons such as ignorance or forgetting.

Of course, during specific implementation, even if the second user is prompted, there may be a situation where the second user does not fill in relevant information in the postscript. In addition to the aforementioned subjective reasons of not knowing or forgetting to wait for the second user, there may also be some objective reasons for this situation. For example, a second user has entered into multiple transactions with the first user, corresponding to multiple transaction orders. At this time, the second user may pay for the multiple transaction orders at one time by means of offline remittance. At this time, it may be difficult for the second user to remark the information of multiple transaction orders in the postscript, and so on.

In this case, in order to associate the advance fund data transferred into the first account with the transaction order, the first user may also perform manual order association processing on the specific in-transit fund data. At this time, the identifier of the first user associated with the first account can be determined first, and then a notification message about the transfer of funds is provided to the client of the first user associated with the first account, so that the specific advance funds correspond to The information that the amount of the credited in the first account is completed is provided to the client associated with the first user, and an operation option for associating transaction order information with the funded data can be provided. In this way, the identifier of the transaction order associated with the in-transit funds data can be determined according to the transaction order information received through the operation option. In specific implementation, for example, as shown in FIG. 3 , a fund information interface can be provided in the client of the first user, and when the first account associated with the first user has specific advance funds entered into the account, the funds in advance can be credited to the account. The amount, etc., and the corresponding second user information, etc., are displayed through the fund information interface. At the same time, the interface can provide specific operation options for order association, and the first user can submit specific transactions through the operation options. order information, thus completing the linking of the funded data to the transaction order.

For example, as shown in FIG. 3 , after the advance payment to the specific first account is completed, the information of the received funds may be displayed on the fund information page of the first user client terminal. Including the amount received, etc. In addition, the second user information associated with the in-transit funds data may also be displayed on the fund information page of the first user client terminal. For example, the name of the second user, the information of the second account, and so on. Such information can help the first user to determine a specific associated transaction order. After viewing the fund information, the user can complete the operation of associating the fund with a specific transaction order according to the operation options such as "Continue to associate the order" in the interface.

It should be noted that, in the specific implementation, the first user can communicate with the second user through offline methods to determine the transaction order corresponding to the specific in-transit capital data, and then transfer the in-transit funds through the capital information interface of the client. Data is associated with that trade order, and so on.

In addition, in addition to the association of transaction orders by the first user, the association operation can also be performed by the second user. During specific implementation, the information of the second account associated with the in-transit capital data may also be acquired from a notification message provided by a specific in-transit capital network. Then, the identification of the associated second user may be determined according to the information of the second account, and the information of the funds-in-transit data may be provided to the client associated with the second user, and provided for the funds-in-transit Operation options for data-linked transaction order information. Afterwards, the identifier of the transaction order associated with the funds-in-transit data may be determined according to the information of the transaction order received through the operation option.

During the specific implementation, as mentioned above, the specific amount of advance payment may be less than the amount of the in-transit funds data. In this case, the credited funds corresponding to the target amount can also be used as the first stage of the transaction order. In the name of the receivables, the first user associated with the first account is notified, and the first-stage receivables are displayed as having been credited. For example, the specific first-stage receivables can also be called "down payment", that is to say, if only a part of the in-transit funds data is advanced, this part of the funds advanced by the system can be used as the down payment of the specific transaction order. The name is notified to the first user. For example, as shown in FIG. 4 , the fund information credited to the first account can be displayed on the specific fund information interface, and a list of transaction orders that have not yet been associated can also be provided on the fund information page. A trade order provides action options for associated actions. Wherein, if the amount of funds paid in advance is less than the amount of the in-transit funds data, it is also possible to determine whether the transaction order is associated for the first time. In this way, when an operation option is provided, the function of the operation option can also be provided according to the judgment result. information, the role information includes being used to associate the first-stage receivables or the second-stage receivables for the corresponding transaction orders. For example, in the specific implementation, the specific operation option can be displayed as "Associated Prepayment" for an order that is linked for the first time, and the specific operation option can be displayed as "Associated Balance Payment" for an order that is not linked for the first time. In this way, after the first user specifically determines the transaction order corresponding to the currently received capital information, he can select the operation option corresponding to the transaction order from the specific transaction order list, and click the operation option to complete the specific transaction order. The association of the funds entered with the transaction order.

In addition, for the transaction order associated with the first-stage receivables, the information of the second-stage receivables of the transaction order can also be provided, and displayed as an unaccounted state. Subsequently, after the in-transit fund data is completed in the first account, and the balance processing is completed in the third account, the second-stage receivables of the transaction order may be displayed as a recorded state.

In addition, after associating the specific advance payment data with the transaction order, the associated transaction order can also be modified to the payment-in-progress state, so that the first user can perform contract performance processing on the transaction order based on the payment-in-progress state . That is to say, it is not necessary to wait for the specific in-transit capital data to arrive in the account, and then the fulfillment process can be carried out in advance, thereby shortening the fulfillment time of the transaction order.

Wherein, after receiving the notification message that the in-transit fund data is completed in the first account, the fund data corresponding to the target amount can be transferred from the first account to the The third account for balance processing. That is to say, when the specific in-transit fund data is recorded in the first account, the amount of funds advanced by the system for it can be transferred from the first account to the third account, so as to complete the balance of the third account. Account processing. The remaining amount of funds can be notified to the first user, the balance of the specific related transaction order has been received, and so on.

It should be noted here that, as mentioned above, since the ownership rights of the first account and the third account are both the commodity object information system, the specific balance processing can be initiated by the commodity object information system, and the associated financial institution system Help complete the specific transfer processing.

In order to facilitate a better understanding of the specific solutions provided by the embodiments of the present application, a complete flow is introduced below with reference to the sequence diagram shown in FIG. 5 .

First, the buyers and sellers reach a transaction online, generate a transaction order, and the seller user (payee) provides specific first account information to the buyer user (payer). After that, the payer can go to the remittance bank and pay for the specific transaction order through offline remittance.

After the remittance bank receives the specific payment, it can upload the specific information to the in-transit fund network system, and the in-transit fund network system finds that the target transfer account of the specific in-transit fund data belongs to the account set provided by the commodity object information system, and can transfer this amount. Information about the funds in transit data is notified to the commodity object information system.

After receiving the notification message, the commodity object information system can conduct a risk assessment on the specific in-transit fund data through a specific risk control model. If the assessment is passed, the first account can be advanced, so that the payee can use the first account in a timely manner. Received payment. If the risk assessment fails, it can be processed according to the general foreign exchange process.

After the specific in-transit fund data arrives at the specific target receiving bank, and after the first account is completed, the commodity object information system can first perform balance processing, and transfer the amount of funds previously advanced from the first account to in the third account. If it is a partial advance payment, the specific balance payment can also be kept in the first account and notified to the first user as the payee to realize the release of the balance payment.

It should be noted that, in the specific implementation, after the specific second user initiates remittance, the specific remittance bank can generate a specific remittance document identifier (for example, ID or serial number, etc.), and the remittance document identifier can also be used with the specific funds in transit. The data flow is transferred to specific processing nodes. Therefore, when the in-transit fund data is circulated between specific processing nodes, the same in-transit fund data can be tracked through the associated remittance document identifier.

In a word, through the embodiment of the present application, it is possible to perceive the event in which the in-transit fund data is generated in the first account, and perform risk assessment on the in-transit fund data. If the evaluation is passed, the target amount can be transferred from the third account to the first account. funding data. In this way, before the specific in-transit fund data is actually recorded in the first account, the associated first user can receive the specific in-transit funds in advance, reducing the impact on the payee user due to the long time of the funds in transit. . For example, the advance funds received can be withdrawn for replenishment, so as to ensure sufficient inventory of commodity objects and maintain a saleable state, so as to avoid affecting the completion of subsequent transactions.

Among them, in one way, the ownership of the third account providing the advance payment service and the first account can be both the commodity object information system, and can even be associated with the same financial institution. Therefore, there is usually no cross-border transfer, etc. Usually there is no limit on the amount, so online "extremely fast credit" or even "instant credit" can be achieved.

Embodiment 2

The second embodiment corresponds to the first embodiment. From the perspective of the first user client, a method for processing funds data information is provided. Referring to FIG. 6 , the method may include:

S601: Provide a fund information display page to the first user;

S602: On the capital information display page, display the capital data entered into the associated first account, and provide an operation option for correlating transaction order information for the entered capital data; the entered capital data is After the first account generates the in-transit fund data, the commodity object information system transfers the fund data from the third account to the first account through the associated financial institution system;

S603: After receiving the input transaction order information through the operation option, submit it to the server.

Specifically, when the operation option for associating transaction order information for the funds entered into the account is provided on the capital information page, a list of transaction orders that have not yet been associated may be provided on the capital information page, and a list of transaction orders for each transaction order may be provided separately for each transaction order. Perform the operation option of the associated operation, so that after an operation request is received through the operation option corresponding to one of the transaction orders, the information of the transaction order can be submitted to the server.

Wherein, if the amount of funds transferred through the third account is less than the amount of the in-transit funds data, it is also possible to determine whether the transaction order is the first association; when providing operation options, provide the Action information of the operation option, where the action information includes a first-stage receivable or a second-stage receivable for the corresponding transaction order.

Embodiment 3

The third embodiment provides a method for displaying transaction order information from the perspective of the first user client. Specifically, referring to FIG. 7 , the method may specifically include:

S701: Receive a request for viewing a target transaction order from a first user; the first user is a payee user associated with the target transaction order;

S702: Acquire the information of the target transaction order, wherein the information of the target transaction order includes: the information of the credited capital data associated with the target transaction order; After the data, the fund data transferred from the third account to the first account by the commodity object information system through the associated financial institution system;

S703: Display the information of the credited fund data on the detail information page of the target transaction order.

During specific implementation, the target transaction order may also be displayed in a state of being paid.

For the parts not described in detail in the foregoing Embodiments 2 and 3, reference may be made to the description in Embodiment 1, and details are not repeated here.

It should be noted that the embodiments of the present application may involve the use of user data. In practical applications, the user's data may be used in accordance with the applicable laws and regulations of the country where the user is located (for example, the user expressly agrees, and the user is effectively notified. etc.), use user-specific personal data in the scenarios described herein to the extent permitted by applicable laws and regulations.

Corresponding to the first embodiment, the embodiment of the present application further provides a device for processing funds data information. Referring to FIG. 8 , the device may include:

A notification message receiving unit 801, configured to receive a notification message about the generation of in-transit capital data by a first account; the in-transit capital data includes information of a first account and a second account, and the first account is the target of the in-transit capital data a transfer-in account, where the second account is a transfer-out account of the in-transit capital data; the in-transit capital data is used to pay for the transaction order generated in the commodity object information system;

a risk assessment unit 802, configured to perform risk assessment on the in-transit capital data;

a target amount determination unit 803, configured to determine the target amount if the risk assessment result meets the target condition;

The transfer request unit 804 is configured to send a transfer request to the associated financial institution system, where the transfer request is used to transfer the fund data corresponding to the target amount from the third account to the first account.

Wherein, the notification message is sent by the in-transit funds network system, which is used to collect the in-transit funds data from multiple financial institution systems, and the first account associated with the in-transit funds number belongs to the target In the case of an account set, the notification message is provided.

Specifically, the risk assessment unit can be specifically used for:

Risk assessment of said funds in transit data based on one or more of the following:

The amount of the in-transit funds data, the historical payment record information of the first user associated with the first account, the historical payment record information of the second user associated with the second account, and the first account associated with the first account. Historical transaction record information between the user and the second user associated with the second account, and information about the country, region, and financial institution associated with the second account.

More specifically, the risk assessment unit can be specifically used for:

If the first user associated with the first account successfully collects money multiple times under the corresponding payment method, or the second user associated with the second account successfully pays multiple times under the corresponding payment method, or, the If there is a successful transaction record between the first user associated with the first account and the second user associated with the second account, or if the credit rating associated with the country, region or financial institution associated with the second account meets the target conditions, the evaluation is passed.

Wherein, the target amount determination unit can be specifically used for:

The target amount is determined according to the amount of the funds in transit and the risk score corresponding to the risk assessment result.

When specifically implemented, the device may further include:

A notification unit, configured to provide a notification message about the transfer of funds to the first user client associated with the first account.

In addition, the device may also include:

an associated order determination unit, configured to determine an identifier of a transaction order associated with the in-transit capital data;

An association notification unit, configured to notify the first user associated with the first account of the credited funds corresponding to the target amount in the name of the receivables of the transaction order.

Wherein, the associated order determination unit can be specifically used for:

The postscript information associated with the in-transit funds data is extracted from the notification message, and the identifier of the transaction order is acquired according to the postscript information.

Wherein, the postscript information includes: all or part of the characters of the ID of the transaction order;

At this time, the associated order determination unit can be specifically used for:

The identification of the transaction order is determined according to all or part of the characters of the ID of the transaction order included in the postscript information.

Alternatively, the postscript information includes: identification information of the first user and/or the second user associated with the transaction order;

At this time, the associated order determination unit can be specifically used for:

According to the identification information of the first user and/or the second user included in the postscript information, determine the unfinished transaction order associated with the first user and/or the second user, and obtain the unfinished transaction order The ID of the trade order.

In addition, the device may also include:

A payment information providing unit, configured to provide information about payment in the transaction order detail information page after receiving a transaction order query request from a second user associated with the second account before the first account generates the in-transit fund data method and the information of the first account.

Furthermore, the device may also include:

A prompt unit, configured to provide prompt information in the transaction order detail information page, so as to prompt the second user to provide the postscript information in a specified manner.

In addition, the associated order determination unit can also be specifically used for:

Provide a notification message about the transfer of funds to the first user client associated with the first account, so as to display the information that the first account has funds transferred through the funds information page of the first user client, and providing an operation option for associating transaction order information for the transferred funds in the funds information page;

The identifier of the transaction order associated with the in-transit funds data is determined according to the information of the transaction order received through the operation option.

Specifically, the fund information page of the first user client terminal may also be used to display the second user information associated with the in-transit fund data.

in,

If the target amount is less than the amount of the in-transit funds data, the association notification unit can be specifically used to:

Notifying the first user associated with the first account of the credited funds corresponding to the target amount in the name of the first-stage receivables of the transaction order, and displaying the first-stage receivables as credited state.

In addition, the association notification unit can also be specifically used for:

Provide information on the second-stage receivables of the transaction order and display them as unaccounted;

After the in-transit fund data is credited to the first account and the balance is processed to the third account, the second-stage receivables of the transaction order are displayed as credited.

Furthermore, the device may also include:

An order state modification unit, configured to modify the associated transaction order to a state in payment, so as to perform contract performance processing on the transaction order based on the state in payment.

In addition, the device may also include:

An account reconciliation processing unit, configured to transfer the fund data corresponding to the target amount from the first account through the associated financial institution system after receiving the notification message that the in-transit fund data is completed in the first account The third account is used for balance processing.

Wherein, the ownership of the first account and the third account is the commodity object information system.

The first account and the third account are associated with the same financial institution.

Corresponding to the second embodiment, the embodiment of the present application further provides a fund data information processing device, referring to FIG. 9 , the device may include:

a fund information page providing unit 901, configured to provide a fund information display page to the first user;

The associated option providing unit 902 is configured to display the fund data entered into the associated first account on the fund information display page, and provide an operation option for associating transaction order information for the entered fund data; The fund data described in the account is the fund data transferred from the third account to the first account by the commodity object information system through the associated financial institution system after the first account generates the in-transit fund data;

The transaction order information submission unit 903 is configured to submit the input transaction order information to the server after receiving the input transaction order information through the operation option.

Wherein, the association option providing unit can be specifically used for:

Provide a list of transaction orders that have not yet been associated on the fund information page, and provide operation options for performing associated operations for each transaction order;

After an operation request is received through an operation option corresponding to one of the transaction orders, the information of the transaction order is submitted to the server.

If the amount of funds transferred through the third account is less than the amount of the in-transit funds data, the associated option providing unit can be specifically used for:

Determine whether the transaction order is the first association;

When an operation option is provided, action information of the operation option is provided according to the judgment result, where the action information includes a first-stage receivable or a second-stage receivable for associating the corresponding transaction order.

Corresponding to the three-phase embodiment, the embodiment of the present application also provides a transaction order information display device. Referring to FIG. 10 , the device may include:

A viewing request receiving unit 1001 is configured to receive a viewing request for a target transaction order from a first user; the first user is a payee user associated with the target transaction order;

The order information obtaining unit 1002 is configured to obtain the information of the target transaction order, wherein the information of the target transaction order includes: the information of the credited fund data associated with the target transaction order; the credited fund data is in the associated After the first account generates the in-transit fund data, the commodity object information system transfers the fund data from the third account to the first account through the associated financial institution system;

The display unit 1003 is configured to display the information of the credited fund data on the detail information page of the target transaction order.

During specific implementation, the display unit may also be used to: display the target transaction order in a state of being paid.

In addition, an embodiment of the present application further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, implements the steps of the method described in any one of the foregoing method embodiments.

and an electronic device comprising:

one or more processors; and

a memory associated with the one or more processors, the memory is used to store program instructions that, when read and executed by the one or more processors, perform any one of the foregoing method embodiments the steps of the method.

11 exemplarily shows the architecture of the electronic device, which may specifically include a processor 1110 , a video display adapter 1111 , a disk drive 1112 , an input/output interface 1113 , a network interface 1114 , and a memory 1120 . The processor 1110 , the video display adapter 1111 , the disk drive 1112 , the input/output interface 1113 , and the network interface 1114 , and the memory 1120 may be communicatively connected through a communication bus 1130 .

The processor 1110 may be implemented by a general-purpose CPU (Central Processing Unit, central processing unit), a microprocessor, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, etc., and is used for Execute relevant programs to realize the technical solutions provided by this application.

The memory 1120 may be implemented in the form of a ROM (Read Only Memory, read only memory), a RAM (Random Access Memory, random access memory), a static storage device, a dynamic storage device, and the like. The memory 1120 may store an operating system 1121 for controlling the operation of the electronic device 1100 , a basic input output system (BIOS) for controlling low-level operations of the electronic device 1100 . In addition, a web browser 1123, a data storage management system 1124, and a funds data processing system 1125, among others, may also be stored. The above-mentioned capital data processing system 1125 may be an application program that specifically implements the operations of the foregoing steps in the embodiments of the present application. In a word, when the technical solutions provided in the present application are implemented by software or firmware, the relevant program codes are stored in the memory 1120 and called and executed by the processor 1110 .

The input/output interface 1113 is used to connect the input/output module to realize information input and output. The input/output/module can be configured in the device as a component (not shown in the figure), or can be externally connected to the device to provide corresponding functions. The input device may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output device may include a display, a speaker, a vibrator, an indicator light, and the like.

The network interface 1114 is used to connect a communication module (not shown in the figure), so as to realize the communication interaction between the device and other devices. The communication module may implement communication through wired means (eg, USB, network cable, etc.), or may implement communication through wireless means (eg, mobile network, WIFI, Bluetooth, etc.).

Bus 1130 includes a pathway that transfers information between the various components of the device (eg, processor 1110, video display adapter 1111, disk drive 1112, input/output interface 1113, network interface 1114, and memory 1120).

It should be noted that although the above device only shows the processor 1110, the video display adapter 1111, the disk drive 1112, the input/output interface 1113, the network interface 1114, the memory 1120, the bus 1130, etc., in the specific implementation process, the A device may also include other components necessary for proper operation. In addition, those skilled in the art can understand that, the above-mentioned device may also include only the necessary components to realize the solution of the present application, instead of all the components shown in the figures.

From the description of the above embodiments, those skilled in the art can clearly understand that the present application can be implemented by means of software plus a necessary general hardware platform. Based on this understanding, the technical solutions of the present application can be embodied in the form of software products in essence or the parts that make contributions to the prior art, and the computer software products can be stored in storage media, such as ROM/RAM, magnetic disks , CD-ROM, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in various embodiments or some parts of the embodiments of the present application.

Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for related parts. The systems and system embodiments described above are only illustrative, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, It can be located in one place, or it can be distributed over multiple network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

The capital data information processing method, device and electronic device provided by this application have been introduced in detail above. Specific examples are used in this paper to illustrate the principles and implementations of this application. The descriptions of the above embodiments are only used to help understanding The method of the present application and its core idea; meanwhile, for those of ordinary skill in the art, according to the idea of the present application, there will be changes in the specific implementation and application scope. In conclusion, the content of this specification should not be construed as a limitation on the present application.

Claims (30)

1. A method of fund data information processing, comprising:

receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

performing risk assessment on the in-transit fund data;

determining a target amount if the risk assessment result meets the target condition;

and sending a transfer request to an associated financial institution system, wherein the transfer request is used for transferring the fund data corresponding to the target amount from a third account to the first account.

2. The method of claim 1,

the notification message is issued by an in-transit funds network system that is configured to collect the in-transit funds data from a plurality of financial institution systems and provide the notification message if the first account associated with the number of in-transit funds belongs to a set of target accounts.

3. The method of claim 1,

the risk assessment of the in-transit fund data comprises:

performing a risk assessment on the in-transit fund data according to one or more of:

the amount of the in-transit fund data, historical collection record information of a first user associated with the first account, historical payment record information of a second user associated with the second account, historical transaction record information between the first user associated with the first account and the second user associated with the second account, and country, region and financial institution information associated with the second account.

4. The method of claim 1,

the risk assessment of the in-transit fund data comprises:

and if the first user associated with the first account successfully receives the payment for multiple times in the corresponding payment mode, or the second user associated with the second account successfully pays for multiple times in the corresponding payment mode, or a successful transaction record exists between the first user associated with the first account and the second user associated with the second account, or the credit level associated with the country, region or financial institution associated with the second account meets the target condition, the evaluation is passed.

5. The method of claim 1,

the determining the target amount includes:

and determining the target amount according to the amount of the in-transit fund data and the risk score corresponding to the risk evaluation result.

6. The method of claim 1, further comprising:

providing a notification message regarding the transfer of funds to a first user client associated with the first account.

7. The method of claim 6, further comprising:

determining an identification of a trade order associated with the in-transit funds data;

and notifying the first user associated with the first account of the posting funds corresponding to the target amount on the behalf of the accounts receivable of the transaction order.

8. The method of claim 7,

the determining an identification of a trade order associated with the in-transit funds data comprises:

and extracting the postscript information associated with the in-transit fund data from the notification message, and acquiring the identifier of the transaction order according to the postscript information.

9. The method of claim 8,

the additional information comprises: all or part of the characters of the ID of the trade order;

the obtaining of the identifier of the trade order according to the additional information includes:

and determining the identification of the trade order according to all or part of characters of the ID of the trade order included in the additional information.

10. The method of claim 8,

the additional information comprises: identification information of a first user and/or a second user associated with the trade order;

the obtaining of the identifier of the trade order according to the additional information includes:

determining an unfinished transaction order associated with the first user and/or the second user according to the identification information of the first user and/or the second user included in the additional information, and acquiring an identification of the unfinished transaction order.

11. The method of claim 8, further comprising:

and before the first account generates in-transit fund data, after receiving a transaction order inquiry request of a second user associated with the second account, providing information about a payment mode and the first account in the transaction order detail information page.

12. The method of claim 11, further comprising:

providing prompt information in the transaction order detail information page for prompting the second user to provide the additional information in a specified mode.

13. The method of claim 7,

the determining an identification of a trade order associated with the in-transit funds data comprises:

providing a notification message about fund transfer to a first user client associated with the first account so as to display information that the first account has fund transfer through a fund information page of the first user client, and providing operation options for trading order information associated with the transferred fund in the fund information page;

and determining the identification of the trading order associated with the in-transit fund data according to the information of the trading order received through the operation options.

14. The method of claim 13,

and the fund information page of the first user client is also used for displaying second user information associated with the fund-in-transit data.

15. The method of claim 13,

if the target amount is less than the amount of the in-transit fund data, notifying a first user associated with the first account of the posting funds corresponding to the target amount on behalf of the accounts receivable of the transaction order, including:

and notifying the first user associated with the first account of the posting funds corresponding to the target amount on the behalf of the first-stage accounts receivable of the transaction order, and displaying the first-stage accounts receivable as a posted state.

16. The method of claim 15, further comprising:

providing information of accounts receivable at the second stage of the transaction order, and displaying the information as a non-posting state;

and after the in-transit fund data completes account posting in the first account and completes account leveling processing to the third account, displaying the accounts receivable in the second stage of the transaction order as a posted state.

17. The method of claim 7, further comprising:

modifying the associated trade order to a state of payment for fulfillment processing of the trade order based on the state of payment.

18. The method of claim 1, further comprising:

and after receiving a notification message that the in-transit fund data is posted in the first account, transferring the fund data corresponding to the target amount from the first account to the third account through the associated financial institution system so as to perform tie-out processing.

19. The method according to any one of claims 1 to 18,

and the ownership of the first account and the third account is the commodity object information system.

20. The method according to any one of claims 1 to 18,

the first account and the third account are associated with the same financial institution.

21. A method of fund data information processing, comprising:

providing a fund information display page for a first user;

displaying the fund data posted by the associated first account in the fund information display page, and providing an operation option for associating transaction order information with the posted fund data; the entered fund data is fund data transferred from a third account to the first account by a commodity object information system through an associated financial institution system after the in-transit fund data is generated by the first account;

and receiving input transaction order information through the operation options and submitting the transaction order information to the server.

22. The method of claim 21,

the providing, in the funds information page, operational options for associating transaction order information for the posted funds includes:

providing a list of transaction orders which are not associated in the fund information page, and respectively providing operation options for performing associated operation for each transaction order;

and after an operation request is received through an operation option corresponding to one of the transaction orders, submitting the information of the transaction order to the server.

23. The method of claim 22,

if the amount of funds transferred through the third account is less than the amount of the in-transit fund data, the respectively providing operation options for performing the associated operation for each transaction order comprises:

judging whether the trade order is associated for the first time;

and when an operation option is provided, providing action information of the operation option according to the judgment result, wherein the action information comprises first-stage accounts receivable or second-stage accounts receivable related to the corresponding transaction order.

24. A transaction order information display method is characterized by comprising the following steps:

receiving a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

acquiring information of the target trading order, wherein the information of the target trading order comprises: information of posted funds data associated with the target trade order; the posted funds data is funds data transferred from a third account to the first account by the merchandise object information system through the associated financial institution system after the associated first account generates in-transit funds data;

and displaying the information of the credited fund data in a detail information page of the target transaction order.

25. The method of claim 24, further comprising:

displaying the target transaction order as a state of in-payment.

26. A money data information processing apparatus characterized by comprising:

a notification message receiving unit for receiving a notification message regarding the generation of in-transit fund data by the first account; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

a risk assessment unit for performing risk assessment on the in-transit fund data;

a target amount determination unit for determining a target amount if the risk assessment result meets the target condition;

and the transfer request unit is used for sending a transfer request to the associated financial institution system, and the transfer request is used for transferring the fund data corresponding to the target amount from the third account to the first account.

27. A money data information processing apparatus characterized by comprising:

the fund information page providing unit is used for providing a fund information display page for the first user;

the related option providing unit is used for displaying the fund data posted in the related first account in the fund information display page and providing an operation option for associating the posted fund data with transaction order information; the entered fund data is fund data transferred from a third account to the first account by a commodity object information system through an associated financial institution system after the in-transit fund data is generated by the first account; (ii) a

And the transaction order information submitting unit is used for receiving the input transaction order information through the operation options and then submitting the transaction order information to the server.

28. A trade order information display apparatus, comprising:

the checking request receiving unit is used for receiving a checking request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

an order information obtaining unit, configured to obtain information of the target trade order, where the information of the target trade order includes: information of posted funds data associated with the target trade order; the posted funds data is funds data transferred from a third account to the first account by the merchandise object information system through the associated financial institution system after the associated first account generates in-transit funds data;

and the display unit is used for displaying the information of the entered fund data in a detail information page of the target transaction order.

29. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 25.

30. An electronic device, comprising:

one or more processors; and

a memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform the steps of the method of any of claims 1 to 25.

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