CN113298512B - Funds data information processing method, device and electronic equipment - Google Patents

Funds data information processing method, device and electronic equipment Download PDF

Info

Publication number
CN113298512B
CN113298512B CN202011602344.1A CN202011602344A CN113298512B CN 113298512 B CN113298512 B CN 113298512B CN 202011602344 A CN202011602344 A CN 202011602344A CN 113298512 B CN113298512 B CN 113298512B
Authority
CN
China
Prior art keywords
account
information
funds
data
transit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN202011602344.1A
Other languages
Chinese (zh)
Other versions
CN113298512A (en
Inventor
杨炳滨
王颖
段霂钰
金欣煜
陈曦
張創城
朱江琨
林烁挺
郭燕
郭正敏
邢力
罗威
王伊莹
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Alibaba Singapore Holdings Pte Ltd
Original Assignee
Alibaba Singapore Holdings Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alibaba Singapore Holdings Pte Ltd filed Critical Alibaba Singapore Holdings Pte Ltd
Priority to CN202011602344.1A priority Critical patent/CN113298512B/en
Publication of CN113298512A publication Critical patent/CN113298512A/en
Application granted granted Critical
Publication of CN113298512B publication Critical patent/CN113298512B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本申请实施例公开了资金数据信息处理方法、装置及电子设备，所述方法包括：接收关于第一账户产生在途资金数据的通知消息；所述在途资金数据包括第一账户以及第二账户的信息，所述第一账户为所述在途资金数据的目标转入账户，所述第二账户为所述在途资金数据的转出账户；所述在途资金数据用于对商品对象信息系统中生成的交易订单进行支付；对所述在途资金数据进行风险评估；如果风险评估结果符合目标条件，则确定目标金额；向关联的金融机构系统发送转账请求，所述转账请求用于将所述目标金额对应的资金数据从第三账户转入所述第一账户。通过本申请实施例，可以降低由于资金在途时间过长给收款方用户造成的影响。

The embodiment of the present application discloses a method, device and electronic device for processing funds data information, the method comprising: receiving a notification message about the generation of in-transit funds data in a first account; the in-transit funds data comprises information of a first account and a second account, the first account being the target transfer-in account of the in-transit funds data, and the second account being the transfer-out account of the in-transit funds data; the in-transit funds data being used to pay for a transaction order generated in a commodity object information system; performing a risk assessment on the in-transit funds 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, the transfer request being used to transfer the funds data corresponding to the target amount from a third account to the first account. Through the embodiment of the present application, the impact on the payee user caused by the excessively long in-transit time of funds can be reduced.

Description

Fund data information processing method and device and electronic equipment
Technical Field
The present application relates to the technical field of fund data processing, and in particular, to a method and an apparatus for processing fund data information, and an electronic device.
Background
In the merchandise object information service system, there are several modes of B2C (merchant to consumer), C2C (consumer to consumer), B2B (merchant to merchant), and the like. In the B2C or C2C mode, the buyer user may pay online directly after completing the order online. In the transaction scenario of B2B, the amount of the order concerned is often relatively large, and therefore, after the buyer and seller complete the order online, the buyer user usually needs to pay by means of off-line remittance. Specifically, the seller user may typically provide a collection account to the buyer user, who then goes to the bank to transfer money to the collection account. However, in the money transfer process, there are problems such as opaque information and long account arrival time due to aging of processing between banks. In particular, in cross-border commerce, cross-border money transfer times are typically 3-7 days or even longer.
The above situation may cause a problem that, because the amounts of money related to the transaction orders in the B2B scenario are often relatively large, under the condition that the money transfer time is long, the situation that the seller user has difficulty in funds turnover and the like may be caused, and further, the replenishment flow may be affected, further generation of more transaction orders may be affected, and the like.
Disclosure of Invention
The application provides a method and a device for processing fund data information and electronic equipment, which can reduce the influence on a user of a payee caused by overlong time in transit of funds.
The application provides the following scheme:
A funds data information processing method, comprising:
Receiving a notification message about first account generation on-transit fund data, wherein the on-transit fund data comprises information of a first account and a second account, the first account is a target transfer account of the on-transit fund data, and the second account is a transfer account of the on-transit fund data;
performing risk assessment on the in-transit funds data;
if the risk assessment result meets the target condition, determining a target amount;
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.
A funds data information processing method, comprising:
Providing a fund information display page for a first user;
Displaying the fund data of the first account, which is transferred from a third account to the first account through an associated financial institution system by a commodity object information system after the first account generates in-transit fund data, and providing operation options for associating transaction order information with the fund data of the first account;
and receiving the input transaction order information through the operation options and submitting the transaction order information to the server.
A transaction order information display method, comprising:
Receiving a viewing request of a first user for a target transaction order, wherein the first user is a payee user associated with the target transaction order;
The method comprises the steps of obtaining information of a target transaction order, wherein the information of the target transaction order comprises information of the posted funds data associated with the target transaction order, wherein the posted funds data are funds data transferred from a third account to a first account through an associated financial institution system by a commodity object information system after the first account generates the in-transit funds data;
and displaying the information of the checked-in funds data in the detail information page of the target transaction order.
A funds data information processing apparatus, comprising:
The system comprises a commodity object information system, a notification message receiving unit, a commodity object information system and a commodity object information system, wherein the commodity object information system is used for generating a commodity object information system, and the commodity object information system is used for generating a commodity object information system;
A risk assessment unit for performing risk assessment on the in-transit funds data;
a target amount determining unit for determining a target amount if the risk assessment result meets a 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 a third account to the first account.
A funds data information processing apparatus, comprising:
The fund information page providing unit is used for providing a fund information display page for the first user;
The system comprises a fund information display page, an associated option providing unit, a commodity object information system and a transaction order information processing unit, wherein the fund information display page is used for displaying fund data of an associated first account and providing operation options for associating transaction order information for the fund data of the account;
and the transaction order information submitting unit is used for submitting the input transaction order information to the server after receiving the input transaction order information through the operation options.
A trade order information display device, comprising:
the system comprises a viewing request receiving unit, a target transaction order receiving unit and a target transaction order receiving unit, wherein the viewing request receiving unit is used for receiving a viewing request of a first user for the target transaction order;
The order information acquisition unit is used for acquiring information of the target transaction order, wherein the information of the target transaction order comprises information of the checked-in fund data related to the target transaction order, and the checked-in fund data is fund data transferred from a third account to a first account through a related financial institution system by a commodity object information system after the related first account generates the in-transit fund data;
And the display unit is used for displaying the information of the checked-in funds data in the detail information page of the target transaction order.
According to the specific embodiment provided by the application, the application discloses the following technical effects:
According to the embodiment of the application, the event of generating the on-transit fund data in the first account can be perceived, the risk evaluation is carried out on the on-transit fund data, and if the evaluation passes, the fund data of the target amount can be transferred from the third account to the first account. Therefore, the first user can receive the specific account-arriving funds in advance before the specific on-transit funds are actually checked-in the first account, and the influence on the user of the payee caused by overlong on-transit time of the funds is reduced. For example, the paid funds for the account can be presented for replenishment to ensure that the inventory of the commodity object is sufficient, and the state of sale is maintained, thereby avoiding affecting the achievement of subsequent transactions.
The attribution right of the third account and the first account can be a commodity object information system and even can be associated with the same financial institution, so that the situation of cross-border transfer and the like does not exist, and the situation of limit is not limited, and online 'quick account-arriving' and 'instant account-arriving' can be realized.
Of course, it is not necessary for any one product to practice the application to achieve all of the advantages set forth above at the same time.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a system architecture provided by an embodiment of the present application;
FIG. 2 is a flow chart of a first method provided by an embodiment of the present application;
FIG. 3 is a schematic diagram of a first interface provided by an embodiment of the present application;
FIG. 4 is a schematic diagram of a second interface provided by an embodiment of the present application;
FIG. 5 is a schematic diagram of an interaction timing relationship provided by an embodiment of the present application;
FIG. 6 is a flow chart of a second method provided by an embodiment of the present application;
FIG. 7 is a flow chart of a third method provided by an embodiment of the present application;
FIG. 8 is a schematic diagram of a first apparatus provided by an embodiment of the present application;
FIG. 9 is a schematic diagram of a second apparatus provided by an embodiment of the present application;
FIG. 10 is a schematic diagram of a third apparatus provided by an embodiment of the present application;
Fig. 11 is a schematic diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which are derived by a person skilled in the art based on the embodiments of the application, fall within the scope of protection of the application.
It should be noted that, in the prior art, after a trade order is generated, the merchandise object information system generally only provides two states of payment to be paid and payment completion for the trade order. In the B2B scenario where a cross-border transaction is involved, or the amount of the order involved is relatively large, the buyer user may pay for the order in an off-line money transfer manner, and thus, the time required to pass may be relatively long since money transfer is initiated from the buyer user to the completion of the posting of the account of the buyer user, which may involve a cross-country, cross-financial institution transfer. In addition, because the trade order is generated on-line and the payment operation is completed on-line, it often takes a relatively long time to complete the posting from the seller user's account, to correlate to a particular trade order, and drive the order to a payment completion state. 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 money can be successfully posted, etc., so that it is generally required that the transaction order is driven to the payment completion state before subsequent performance processing is performed on the transaction order so as to avoid loss of the seller user.
In the embodiment of the application, in order to shorten the execution time of the transaction order, a specific commodity object information system can cooperate with an on-road fund network system, wherein the on-road fund network system can be provided by an internationalization organization, can collect data generated by a plurality of banks joining the network worldwide, and can notify the commodity object information system if a certain first account is found to generate on-road fund data. And then, the commodity object information system can also carry out risk assessment on the on-the-way fund data, and under the condition that the risk assessment result meets the condition, the first account can be subjected to 'paying' and 'paying' funds can be rapidly checked in, so that the waiting checking-in time of a seller user is shortened. The seller user can directly carry out cash withdrawal processing on the part of the funds for replenishment, so as to ensure sufficient inventory and support the generation of more transaction orders. In addition, the specific fund data of the pad payment can be associated with the specific transaction order, and after the seller user receives the pad payment of the specific transaction order, the seller user can enter into the performance flow in advance, so that the performance waiting time is shortened, and the user experience of both buyers and sellers is improved.
From the system architecture perspective, referring to fig. 1, the embodiment of the present application may mainly provide corresponding service functions related to fund payment for a user through a commodity object information system (specifically, may be a commodity object information system providing cross-border B2B service, of course, may also be other commodity object information systems). The commodity object information system may be divided into a server and a client, and from the perspective of user identity, the client may be divided into a client corresponding to a seller user (which may be referred to as a first user in the embodiment of the present application) and a client corresponding to a buyer user (which may be referred to as a second user in the embodiment of the present application). The server side can interact with the on-road fund network system and provide account information to be monitored to the on-road fund network system. The on-road fund network system collects fund flow data generated by a plurality of financial institutions in the global scope, and after a first account (which may be an account corresponding to a certain first user and used for collecting money) in the collection generates on-road fund data, the on-road fund network system can notify a server side. After receiving the notification, the server may perform risk assessment and specific fund payment processing. In addition, the server may also obtain a trade order associated with the on-transit funds data. Wherein upon acquiring the specifically associated transaction order information, if the second user provides information of the associated transaction order in the statement of the money transfer receipt at the time of the money transfer, it may be extracted from the notification message provided by the funds in transit network system. Or the information about the in-transit funds data can be provided to the first user through the client, which can include payer user information (i.e. the second user as the buyer user) and the like, and the first user does not provide operation options for associating the order information, so that the first user obtains the order information by communicating with the second user and the like, and provides the operation options to the server. The server side can acquire the information of the transaction order associated with the on-way funds data through the first user client side. Or may be submitted by the second user via the client, etc.
The following describes in detail the specific implementation scheme provided by the embodiment of the present application.
Example 1
First, this embodiment provides a method for processing fund data information from the perspective of a service end of a merchandise object information system, referring to fig. 2, the method may specifically include:
S201, receiving a notification message about generation of on-transit funds data of a first account, wherein the on-transit funds data comprise information of the first account and a second account, the first account is a target transfer account of the on-transit funds data, and the second account is a transfer account of the on-transit funds data, and the on-transit funds data are used for paying a transaction order generated in a commodity object information system;
In embodiments of the present application, the specific in-transit funds data is funds data that has been transferred from the second account associated with the payer, transferred to the account with the first account associated with the payee as the target, but has not yet completed crediting with the first account. Such in-transit funds data may be particularly useful in making payments for trade orders generated in the merchandise object information system. For example, after a buyer user achieves a transaction with a seller user on line and generates a transaction order on line, payment is made for the transaction order by means of off-line money transfer according to first account information provided by the seller user, but due to the situations of cross-border, cross-line and the like, the specifically transferred fund data cannot be rapidly checked in the first account, but can be checked in after waiting for a plurality of days. Thus, the transfer of the funds data is completed from the buyer user online until the first account of the seller user actually receives the funds data, which pertains to the in-transit funds data.
The first account may be an account that is previously applied to the associated financial institution by the merchandise object information system and assigned to the seller user in the system for use. That is, the plurality of first accounts may exist in the form of sub-accounts under a certain main account, etc., and the attribution right of the first account belongs to the commodity object information system, but the usage right may belong to the seller user in the system. In general, one or more first accounts may be assigned to a seller user, and a correspondence between the identity of the first account and the seller user identity may be maintained by the merchandise object information system. After the buyer user and the seller user generate the transaction order through an online transaction mode, if the situation that the amount of the order is relatively large or the situation of cross-border payment is involved, the seller user can provide the first account distributed by the system for the buyer user, and the buyer user can pay for the transaction order through an offline remittance mode and the like.
That is, the first accounts for collecting money of the seller users are actually applied to the financial institutions in a unified way by the commodity object information system, the attribution right belongs to the commodity object information system, and the use right is only given to the seller users, so that the commodity object information system can be known about the first accounts through which the respective seller users can collect money. Further, the merchandise object information system may provide such an account set associated with the seller user information to the on-way funds network system in cooperation with the on-way funds network system. After the in-transit funds network system collects the specific in-transit funds data, if the specific target transfer account is found to belong to the account set, the specific target transfer account can be collected, and a notification message is initiated to the commodity object information system. The on-road fund network may notify the information about the on-road fund data collected to the commodity object information system in real time, or may notify the related information about the on-road fund data collected in the time period to the commodity object information system at regular intervals by a timing notification mechanism, or the like.
Wherein, as previously described, the funds in transit network system may be provided by an internationalized organization. For example, the internationalization organization may specifically include SWIFT (global banking and finance telecommunication association or global banking and finance telecommunication association), which is an international cooperative organization that is not in profit among international financial institutions (such as banks), and provides quick, accurate and excellent services for international financial services. The organization initiated GPI (Global Payment Innovate, global payment innovation) project may be a funds in transit network. The GPI project is a global large-scale bank participation, and through establishing SWIFT-GPI service circles among banks, the project that funds are transparent, money transfer states can be tracked and money transfer information is completely transferred is realized according to common design rules, so that the international payment experience of customers is greatly improved. For the bank joining the GPI project, when the event such as the customer initiating the remittance from the bank occurs, the bank system can upload specific information to the on-road fund network, and correspondingly, the on-road fund network can collect the information uploaded by the bank joining the GPI project.
In the embodiment of the application, the on-road fund network system can be provided with the account set information which specifically needs to be monitored in cooperation with the on-road fund network system such as GPI project, so that after the on-road fund data related to the accounts in the account set are generated, the on-road fund system can inform the related information to the commodity object information system.
Of course, in particular implementations, the merchandise object information system may also obtain notification messages regarding the generation of the funds in transit by the first account in other manners, e.g., the merchandise object information system may also cooperate directly with particular financial institution systems, etc., and will not be described in detail herein.
S202, performing risk assessment on the in-transit funds data;
in order to avoid cheating and other situations, after specific on-transit funds data are generated by the first account and before specific payment funds processing is executed, risk assessment can be firstly carried out on the on-transit funds data, and under the condition that a risk assessment result meets a target condition, the next payment processing is carried out.
In specific implementation, the risk assessment can be performed on the in-transit fund data according to one or more of the following items, namely the amount of the in-transit fund data, the historical collection record information related to the first account, the historical payment record information related to the second account, the historical transaction record information between the first user related to the first account and the second user related to the second account, and the country, the region and the financial institution information related to the second account.
For example, if the amount of some of the on-transit funds data is relatively moderate (which may be determined based on the average amount of historical trade orders, etc., e.g., around 100 tens of thousands), the risk is relatively low, otherwise if the amount of the on-transit funds data is too high, the risk may be relatively high. The risk is relatively low if the first account was successfully charged a number of times, or the second account was successfully charged a number of times, or if the first user and the second user have a history of successful transactions. In addition, the country, region, financial institution, etc. where the second user performs the money transfer operation may also be used to perform risk assessment on the in-transit funds data. For example, if the financial institution issuing the money transfer is of a relatively large institution, the risk is relatively low, and so on. In specific implementation, a risk control model may be pre-established, and risk assessment may be performed on specific in-transit funds data through the specific model.
And S203, if the risk assessment result meets the target condition, determining a target amount.
After determining that the risk assessment results of the current in-transit funds data are satisfactory, a target amount may be determined to perform a particular payment process. Specifically, when the target amount is determined, the amount of all the in-transit funds may be paid, or only a part of the amount may be paid. For the latter, the specific payout ratio may be a fixed value (for example, payout is uniformly performed according to a ratio of 90%), or the target amount may be dynamically determined according to the amount of the in-transit funds data and the risk score corresponding to the risk evaluation result. For example, the risk assessment results for each piece of in-transit funds data may have different risk scores, different risk scores may correspond to different payout ratios, the higher the risk, the lower the payout ratio, and so on.
And S204, 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.
And transferring the fund data corresponding to the target amount from the third account to the first account through the associated financial institution system when the payment processing is carried out. After completing the funds transfer, the server may also provide a notification message regarding the funds transfer to the first user client associated with the first account, so that the first user may learn of the funds entry event. In one implementation, the third account may be an account associated with the merchandise object information system for providing a specific payment service, that is, the third account is also attributed to the merchandise object information system. Since the attribution right of the first account is also the commodity object information system, the cross-border transfer is not generally involved in transferring money from the third account to the first account. In an alternative embodiment, the specific first account and the third account may be associated with the same financial institution, so that a cross-line situation may be avoided, and thus, when the payment is specifically performed, the "fast payment" or even the "instant payment" of the specific payment may be realized. That is, after the first account generates a piece of in-transit funds data, the first account can receive a piece of paid funds in a short time as long as the first account passes the risk assessment of the commodity object information system. The corresponding first user may perform such funds withdrawal, etc. for restocking, etc.
In addition, in particular implementation, in order to ensure convenience, the payment situation of the particular commodity object information system may not be perceived by the first user, so that the identification of the transaction order associated with the particular on-transit funds data may be determined, and then, the first user associated with the first account may be notified of the account funds corresponding to the target amount on behalf of the account payable of the transaction order. That is, after finding that the first account generates an in-transit fund data, the commodity object information system performs a payment on the first account after the risk assessment, so that the first account receives an in-transit fund in advance. But for the first user it only needs to know that one piece of funds is being charged to its first account and that this piece of funds is payable by the second user for a particular trade order. In this way, an increase in the difficulty of data management for the first user can be avoided.
There are a number of ways in which the identity of the trade order associated with the funds in transit data may be determined. For example, in one manner, identification information for a specifically associated transaction order may be filled in the statement of the money transfer document by the payer user, i.e., the second user, upon initiation of the money transfer. In this way, the merchandise object information system may extract the statement information associated with the specific on-transit funds data from the received notification message and obtain the identification of the trade order from the statement information.
It should be noted that, regarding the information filled in the appendix by the specific second user, there may be various ways in particular. For example, in one manner, the specific appendix information may include all or part of the ID of the trade order, and at this time, the identification of the trade order may be determined according to all or part of the ID of the trade order included in the appendix information. That is, the number information such as the ID of the trade order may be directly filled, or since the number information such as the ID of the trade order is generally long, only a part of characters in the ID, for example, the last 6 bits, or the like may be filled. Since the probability that the characters on the above-mentioned part of digits are all identical between different trade orders is not high in the case where the information of the first user, the second user, etc. is known, the trade order information can be filled in the legend in this simplified manner. After the specific statement content is extracted from the notification message, the commodity object information system can determine the specific corresponding trade order by comparing the characters in the statement with the characters numbered on the corresponding digits, such as ID of the specific trade order.
Or in another mode, the instruction information also can comprise identification information of a first user and/or a second user related to the transaction order, and at the moment, incomplete transaction orders related to the first user and/or the second user can be determined according to the identification information of the first user and/or the second user included in the instruction information, and the identification of the incomplete transaction orders is acquired. At this time, if the first user and/or the second user associated outstanding trade order is plural, confirmation may be further made based on the amount information associated with the trade order, or confirmation may be made by the first user or the second user, or the like.
In this implementation where the second user provides relevant information in the statement of the money transfer document, before the first account generates the in-transit funds data, if a transaction order query request of the second user associated with the second account is received, 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 may be prompted to make a payment by way of an off-line money transfer while first account information for a particular payee user may be provided, and so on. In addition, prompt information can be provided in the transaction order detail information page for prompting the second user to provide the instruction information in a specified mode. For example, prompt the user to fill in the ID of the trade order in the appendix, etc. In this way, it is possible to avoid a situation where the second user does not provide the relevant information in the attached language due to unknowing or forgetting or the like.
Of course, in a specific implementation, even if the second user is presented, there may be a case where the second user does not fill out the relevant information in the legend. This may occur because there may be some objective reasons in addition to the subjective reasons for the second user, such as unknowing or forgetting, as described above. For example, a second user may have made a plurality of transactions with the first user, corresponding to a plurality of transaction orders, and at this time, the second user may pay for the plurality of transaction orders at one time by means of off-line money transfer. At this time, the second user may have a relatively difficult time annotating information of a plurality of trade orders in the legend, and so on.
In this case, in order to achieve the association of the funds data transferred into the first account with the trade order, the first user may also perform a manual order association process on the specific funds in transit data. At this time, the identity of the first user associated with the first account may be determined first, and then a notification message about the transfer of funds may be provided to the first user client associated with the first account, so that information that the amount corresponding to the specific paid funds is charged in the first account is provided to the first user client associated with the first account, and an operation option for associating transaction order information for the charged funds data may be provided. In this way, the identity of the transaction order associated with the in-transit funds data may be determined from the information of the transaction order received via the operational options. In particular implementation, for example, as shown in fig. 3, a fund information interface may be provided in a client of the first user, after a specific funds to be paid are included in a first account associated with the first user, the amount of the funds to be paid, corresponding second user information, etc. may be displayed through the fund information interface, and meanwhile, an operation option for specifically performing order association may be provided in the interface, through which the first user may submit specific transaction order information, so that association of the funds to be paid and the transaction order is completed.
For example, as shown in fig. 3, after the payment to a specific first account is completed, the information of the account-bound funds may be presented in a funds information page of the first user client. Including the amount to be billed, etc. In addition, the second user information related to the in-transit fund data can be displayed in the fund information page of the first user client. For example, the name of the second user, information of the second account, etc. Such information may assist the first user in determining a specifically associated trade order. After the user views the fund information, the user can complete the association operation of the fund with the specific transaction order according to operation options such as 'continue associating order' in the interface.
In particular, the first user may communicate with the second user in an offline manner to determine a transaction order corresponding to the specific on-transit funds, and then associate the on-transit funds with the transaction order through the funds information interface of the client.
In addition, the association may be performed by the second user in addition to the association of the trade order by the first user. In particular implementations, information of the second account associated with the funds in transit data may also be obtained from a notification message provided by a particular funds in transit network. An identification of an associated second user may then be determined from the information of the second account and information of the funds in transit data provided to the second user associated client and operational options for associating transaction order information for the funds in transit data provided. Thereafter, an identification of the trade order associated with the in-transit funds data may be determined from the information of the trade order received via the operational options.
In particular, as described above, the amount of the specific deposit may be smaller than the amount of the on-transit funds data, in which case, the first user associated with the first account may be notified of the funds to be charged corresponding to the target amount on behalf of the first stage of the transaction order, and the first stage of the funds to be charged may be displayed as charged. For example, a particular first-stage payable may also be referred to as a "pay-per-view," that is, if only a portion of the in-transit funds data is being paid, the first user may be notified of the portion of the funds paid by the system on behalf of the particular transaction order first payment. For example, as shown in fig. 4, the fund information of the first account can be displayed in a specific fund information interface, and in addition, a transaction order list which is not yet completed in association can be provided in the fund information page, and operation options for performing association operation are provided for each transaction order respectively. And if the amount of the funds paid is smaller than the amount of the on-transit funds data, judging whether the transaction order is first correlated, so that when an operation option is provided, action information of the operation option can be provided according to the judging result, wherein the action information comprises action information used for correlating a first-stage payable or a second-stage payable for the corresponding transaction order. For example, in a particular implementation, a particular operational option may be presented as "associated prepayment" for an order that is associated for the first time, and as "associated tail" for an order that is not associated for the first time. Thus, after the first user specifically determines the transaction order corresponding to the currently received fund information, the first user can select the operation option corresponding to the transaction order from the specific transaction order list, and the association of the funds specifically checked-in with the transaction order is completed by clicking the operation option and other modes.
In addition, for a trade order associated with a first stage of payable, information of the trade order that is payable at a second stage of the trade order may also be provided and presented as a non-posting state. And after the on-transit fund data is checked out in the first account and the third account is checked out, the second-stage accounts receivable of the transaction order can be displayed as a checked-out state.
In addition, after associating the funds data of the specific pad with the trade order, the associated trade order may also be modified to an in-payment state, so that the first user may perform a performance process on the trade order based on the in-payment state. That is, the execution flow can be advanced without waiting for the specific in-transit fund data to be checked out, so that the execution time of the trade order is shortened.
And after receiving a notification message that the in-transit fund data is completely checked 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 a check-out process. That is, when the particular on-transit funds data is to be charged in the first account, the amount of funds charged by the system may first be transferred from the first account to the third account, thereby completing the process of checking out the third account. The remaining funds amount may then be notified to the first user, the end of the particular associated transaction order is due, and so on.
Here, as described above, since the attribution rights of the first account and the third account are both commodity object information systems, a specific checkout process may be initiated by the commodity object information system, and the associated financial institution system may assist in completing the specific transfer process.
In order to better understand the specific scheme provided by the embodiment of the present application, a complete flow is described below in conjunction with the timing diagram shown in fig. 5.
First, the buyer user and the seller user make a trade on line, a trade order is generated, and the seller user (payee) provides specific first account information to the buyer user (payer). The payer may then arrive at a money transfer bank to pay for the particular transaction order by way of an off-line money transfer.
After receiving the specific money, the remittance bank can upload specific information to the on-road fund network system, and the on-road fund network system finds that the target transfer account of the specific on-road fund data belongs to the account number set provided by the commodity object information system, and can inform the commodity object information system of the related information of the on-road fund data.
After receiving the notification message, the commodity object information system can carry out risk assessment on specific in-transit fund data through a specific wind control model, and if the risk assessment is passed, the first account can be paid, so that the payee can receive money through the first account in time. If the risk assessment does not pass, the processing may be performed according to a general foreign exchange procedure.
After the specific in-transit funds data reach the specific target collection bank and the first account finishes the posting, the commodity object information system can firstly perform the posting process to transfer the previously paid funds from the first account to the third account. If the payment is partial payment, the specific tail money can be reserved in the first account and is notified to the first user serving as the payee, so that the tail money is issued.
It should be noted that, in a specific implementation, after the specific second user initiates the money transfer, the specific money transfer bank may generate a specific money transfer document identifier (for example, ID or number, etc.), where the money transfer document identifier may also be transferred to the specific processing node along with the circulation of the specific in-transit funds data, so that, in the process of circulating the in-transit funds data between each specific processing node, tracking of the same in-transit funds data may be implemented through the associated money transfer document identifier.
In summary, through the embodiment of the application, the event of generating the in-transit fund data in the first account can be perceived, the risk evaluation is carried out on the in-transit fund data, and if the evaluation passes, the fund data of the target amount can be transferred from the third account to the first account. Therefore, the first user can receive the specific account-arriving funds in advance before the specific on-transit funds are actually checked-in the first account, and the influence on the user of the payee caused by overlong on-transit time of the funds is reduced. For example, the paid funds for the account can be presented for replenishment to ensure that the inventory of the commodity object is sufficient, and the state of sale is maintained, thereby avoiding affecting the achievement of subsequent transactions.
In one mode, the attribution right of the third account and the first account for providing the payment service can be both commodity object information systems and even can be associated with the same financial institution, so that the situation of cross-border transfer and the like does not exist generally, and limit of the amount is avoided generally, and online 'quick account-arriving' and even 'instant account-arriving' can be realized.
Example two
The second embodiment corresponds to the first embodiment, and from the perspective of the first user client, there is provided a funds data information processing method, referring to fig. 6, the method may include:
s601, providing a fund information display page for a first user;
S602, in the fund information display page, displaying fund data of the first account, which is transferred from a third account to the first account through an associated financial institution system by a commodity object information system after the first account generates in-transit fund data, and providing operation options for associating transaction order information with the fund data;
s603, receiving the input transaction order information through the operation options and submitting the transaction order information to the server.
When operation options for associating transaction order information for the funds to be checked are provided in the fund information page, a transaction order list which is not yet completed in association can be provided in the fund information page, and operation options for performing association operation are provided for each transaction order respectively, so that after an operation request is received through the operation option corresponding to one transaction order, the information of the transaction order can be submitted to the server.
And when the operation options are provided, providing action information of the operation options according to the judging result, wherein the action information comprises action information used for associating the first-stage accounts receivable or the second-stage accounts receivable for the corresponding transaction orders.
Example III
In a third embodiment, from the perspective of the first user client, a method for displaying transaction order information is provided, specifically, referring to fig. 7, the method may specifically include:
S701, receiving a viewing request of a first user for a target transaction order, wherein the first user is a payee user associated with the target transaction order;
s702, acquiring information of the target transaction order, wherein the information of the target transaction order comprises information of the posted funds data associated with the target transaction order, and the posted funds data are funds data transferred from a third account to a first account through an associated financial institution system by a commodity object information system after the posted funds data are generated by the associated first account;
and S703, displaying the information of the posted funds data in the detail information page of the target transaction order.
In particular, the target trade order may also be presented as an in-payment status.
For the details of the second and third embodiments, reference may be made to the description of the first embodiment, and the details are not repeated here.
It should be noted that, in the embodiment of the present application, the use of user data may be involved, and in practical application, the user specific personal data may be used in the solution described herein within the scope allowed by the applicable legal regulations in the country under the condition of meeting the applicable legal regulations in the country (for example, the user explicitly agrees to the user to notify practically, etc.).
Corresponding to the first embodiment, the embodiment of the application also provides a fund data information processing device, referring to fig. 8, the device may include:
A notification message receiving unit 801, configured to receive a notification message about generation of on-transit funds data by a first account, where the on-transit funds data includes information of the first account being a target transfer account of the on-transit funds data and a second account being a transfer account of the on-transit funds data;
A risk assessment unit 802 for performing risk assessment on the in-transit funds data;
a target amount determining unit 803 for determining a target amount if the risk assessment result meets a target condition;
And a transfer request unit 804, configured to send a transfer request to an associated financial institution system, where the transfer request is used to transfer funds data corresponding to the target amount from a third account to the first account.
Wherein the notification message is issued by a funds in transit network system for collecting the funds in transit data from a plurality of financial institution systems and providing the notification message if the first account associated with the funds in transit number belongs to a set of target accounts.
In particular, the risk assessment unit may be specifically configured to:
Performing a risk assessment on the funds in transit data according to one or more of the following:
The amount of the in-transit funds data, the historical collection 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, the historical transaction record information between the first user associated with the first account and the second user associated with the second account, and the country, region and financial institution information associated with the second account.
More specifically, the risk assessment unit may specifically be configured to:
And if the first user associated with the first account successfully pays for a plurality of times in a corresponding payment mode, or the second user associated with the second account successfully pays for a plurality of times in a 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.
Wherein the target amount determining unit may specifically be configured to:
And determining the target amount according to the amount of the in-transit funds and the risk score corresponding to the risk assessment result.
In particular, the apparatus may further include:
and the notification unit is used for providing notification messages about the fund transfer to the first user client associated with the first account.
In addition, the apparatus may further include:
an associated order determining unit for determining an identity of the trade order associated with the in-transit funds data;
and the association notification unit is used for notifying the first user associated with the first account of the account-based funds corresponding to the target amount on the account of the transaction order.
Wherein, the association order determining unit may specifically be configured to:
And extracting the affiliated statement information related to the in-transit fund data from the notification message, and acquiring the identification of the transaction order according to the statement information.
Wherein, the annex information comprises all or part of characters of the ID of the trade order;
at this time, the association order determining unit may specifically be configured to:
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 annex information.
Or the annex information comprises identification information of a first user and/or a second user associated with the transaction order;
at this time, the association order determining unit may specifically be configured to:
According to the identification information of the first user and/or the second user included in the annex information, determining an unfinished transaction order associated with the first user and/or the second user, and acquiring the identification of the unfinished transaction order.
In addition, the apparatus may further include:
and the payment information providing unit is used for providing information about a payment mode and the first account in the transaction order detail information page after receiving a transaction order inquiry request of a second user associated with the second account before the first account generates the on-the-way fund data.
Furthermore, the apparatus may further include:
and the prompting unit is used for providing prompting information in the transaction order detail information page so as to prompt the second user to provide the instruction information according to a specified mode.
In addition, the association order determining unit may specifically be configured to:
providing a notification message about a funds transfer to a first user client associated with the first account so as to display information of the funds transfer of the first account through a funds information page of the first user client, and providing operation options for associating transaction order information for the transferred funds in the funds information page;
and determining the identification of the transaction order associated with the in-transit funds data according to the information of the transaction order received through the operation options.
Specifically, the fund information page of the first user client may be further used to display the second user information associated with the in-transit fund data.
Wherein,
The association notification unit may be specifically configured to, if the target amount is smaller than the amount of the in-transit funds data:
and notifying a first user associated with the first account of the account to which the account-checking funds corresponding to the target amount are subjected on the premise that the account-checking funds are subjected to the first stage of the transaction order, and displaying the account-checking funds in the first stage as the checked-in state.
In addition, the association notification unit may be specifically configured to:
providing information to be collected in the second stage of the transaction order, and displaying the information as a non-posting state;
And after the in-transit fund data is checked-in the first account and the account-settling processing is completed on the third account, displaying the second-stage accounts receivable of the transaction order as a checked-in state.
Furthermore, the apparatus may further include:
An order state modifying unit, configured to modify the associated trade order into an in-payment state, so as to perform a performance process on the trade order based on the in-payment state.
In addition, the apparatus may further include:
And the settlement processing unit is used for transferring the funds data corresponding to the target amount from the first account to the third account through the associated financial institution system after receiving the notification message that the in-transit funds data are completely settled in the first account so as to perform settlement processing.
The attribution weights of the first account and the third account are the commodity object information system.
The first account and the third account are associated with the same financial institution.
Corresponding to the embodiment, the embodiment of the application also 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 a first user;
An associated option providing unit 902, configured to provide, in the funds information presentation page, funds data for posting an associated first account, and provide operation options for associating transaction order information with the posted funds data, where the posted funds data is funds data transferred from a third account to the first account by a merchandise object information system through an associated financial institution system after the first account generates in-transit funds data;
the transaction order information submitting unit 903 is configured to submit the input transaction order information to the server after receiving the transaction order information through the operation options.
Wherein, the association option providing unit may specifically be used for:
Providing a transaction order list which is not yet completed in the fund information page, and providing operation options for carrying out association operation for each transaction order respectively;
And submitting the information of the trade order to the server after receiving the operation request through the operation option corresponding to the trade order.
The associated option providing unit may be specifically configured to, if the amount of funds transferred through the third account is smaller than the amount of the in-transit funds data:
judging whether the trade order is first correlation or not;
And when the operation options are provided, providing action information of the operation options according to the judging result, wherein the action information comprises information for associating the first-stage accounts payable or the second-stage accounts payable for the corresponding transaction order.
Corresponding to the embodiment, the embodiment of the application also provides a trade order information display device, referring to fig. 10, which may include:
a viewing request receiving unit 1001, configured to receive a viewing request of a first user for a target transaction order, where the first user is a payee user associated with the target transaction order;
An order information obtaining unit 1002, 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, where the posted funds data is funds data transferred from a third account to a first account by a commodity object information system through an associated financial institution system after the first account generates in-transit funds data;
And a display unit 1003, configured to display information of the posted funds data in a detail information page of the target transaction order.
In particular, the display unit may be further configured to display the target transaction order as an in-payment status.
In addition, the embodiment of the application also provides a computer readable storage medium, on which a computer program is stored, which when being executed by a processor, implements the steps of the method of any one of the previous method embodiments.
And 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 for execution by the one or more processors, perform the steps of the method of any of the preceding method embodiments.
Fig. 11 illustrates an architecture of an electronic device, which may 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, among others. The processor 1110, video display adapter 1111, disk drive 1112, input/output interface 1113, network interface 1114, and memory 1120 may be communicatively coupled via a communication bus 1130.
The processor 1110 may be implemented by a general-purpose CPU (Central Processing Unit ), a microprocessor, an Application SPECIFIC INTEGRATED Circuit (ASIC), or one or more integrated circuits, etc. for executing related programs to implement the technical solution provided by the present application.
The Memory 1120 may be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory ), static storage, dynamic storage, etc. The memory 1120 may store an operating system 1121 for controlling the operation of the electronic device 1100, and a Basic Input Output System (BIOS) for controlling the low-level operation of the electronic device 1100. In addition, a web browser 1123, a data storage management system 1124, and a funds data processing system 1125, and the like, may also be stored. The funds data processing system 1125 may be an application embodying the operations of the steps described above in embodiments of the application. In general, when implemented in software or firmware, the relevant program code is stored in memory 1120 and executed by processor 1110.
The input/output interface 1113 is used to connect with an input/output module to realize information input and output. The input/output module may be configured as a component in a device (not shown) or may be external to the device to provide corresponding functionality. Wherein the input devices may include a keyboard, mouse, touch screen, microphone, various types of sensors, etc., and the output devices may include a display, speaker, vibrator, indicator lights, etc.
The network interface 1114 is used to connect communication modules (not shown) to enable communication interactions of the device with other devices. The communication module may implement communication through a wired manner (such as USB, network cable, etc.), or may implement communication through a wireless manner (such as mobile network, WIFI, bluetooth, etc.).
Bus 1130 includes a path to transfer information between components of the device (e.g., processor 1110, video display adapter 1111, disk drive 1112, input/output interface 1113, network interface 1114, and memory 1120).
It is noted that although the above devices illustrate only 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 an implementation, the device may include other components necessary to achieve proper operation. Furthermore, it will be appreciated by those skilled in the art that the apparatus may include only the components necessary to implement the present application, and not all of the components shown in the drawings.
From the above description of embodiments, it will be apparent to those skilled in the art that the present application may be implemented in software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, 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 method described in the embodiments or some parts of the embodiments of the present application.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
The above detailed description of the method, the device and the electronic equipment for processing the fund data information provided by the application applies specific examples to describe the principle and the implementation of the application, the description of the examples is only used for helping to understand the method and the core idea of the application, and meanwhile, the changes in the specific implementation and the application scope are possible for those skilled in the art according to the idea of the application. In view of the foregoing, this description should not be construed as limiting the application.

Claims (29)

1. A method of processing funds data information, comprising:
The method comprises the steps of receiving a notification message about first account generation on-transit fund data, wherein the on-transit fund data comprises information of a first account and a second account, the first account is a target transfer account of the on-transit fund data, the second account is a transfer account of the on-transit fund data, the on-transit fund data is used for paying a transaction order generated in a commodity object information system, the first account comprises an account which is applied to an associated financial institution in advance by the commodity object information system and is distributed to a seller user for collection, so that the commodity object information system provides an account set of the first account associated with seller user information to the on-transit fund network system in a cooperation process with the on-transit fund network system, and the notification message is sent to the commodity object information system after the target transfer account of the on-transit fund data collected belongs to the account set;
performing risk assessment on the in-transit funds data;
if the risk assessment result meets the target condition, determining a target amount;
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, the third account comprises an account which is associated with a commodity object information system and is used for providing a payment service, and the third account is associated with the same financial institution as the first account.
2. The method of claim 1, wherein the step of determining the position of the substrate comprises,
The notification message is issued by a funds in transit network system for collecting the funds in transit data from a plurality of financial institution systems and providing the notification message if a first account associated with the funds in transit data belongs to a set of target accounts.
3. The method of claim 1, wherein the step of determining the position of the substrate comprises,
The risk assessment of the in-transit funds data includes:
Performing a risk assessment on the funds in transit data according to one or more of the following:
The amount of the in-transit funds data, the historical collection 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, the historical transaction record information between the first user associated with the first account and the second user associated with the second account, and the country, region and financial institution information associated with the second account.
4. The method of claim 1, wherein the step of determining the position of the substrate comprises,
The risk assessment of the in-transit funds data includes:
And if the first user associated with the first account successfully pays for a plurality of times in a corresponding payment mode, or the second user associated with the second account successfully pays for a plurality of times in a 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, wherein the step of determining the position of the substrate comprises,
The determining the target amount includes:
And determining the target amount according to the amount of the in-transit funds and the risk score corresponding to the risk assessment result.
6. The method as recited in claim 1, further comprising:
a notification message regarding the funds transfer is provided to a first user client associated with the first account.
7. The method as recited in claim 6, further comprising:
determining an identity of the transaction order associated with the in-transit funds data;
And notifying the first user associated with the first account of the account-receiving funds corresponding to the target amount on the behalf of the account-receiving account of the transaction order.
8. The method of claim 7, wherein the step of determining the position of the probe is performed,
The determining the identity of the transaction order associated with the in-transit funds data comprises:
And extracting the affiliated statement information related to the in-transit fund data from the notification message, and acquiring the identification of the transaction order according to the statement information.
9. The method of claim 8, wherein the step of determining the position of the first electrode is performed,
The appendix information comprises all or part of characters of the ID of the trade order;
The acquiring the identification of the trade order according to the annex information comprises the following steps:
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 annex information.
10. The method of claim 8, wherein the step of determining the position of the first electrode is performed,
The annex information comprises identification information of a first user and/or a second user related to the transaction order;
The acquiring the identification of the trade order according to the annex information comprises the following steps:
According to the identification information of the first user and/or the second user included in the annex information, determining an unfinished transaction order associated with the first user and/or the second user, and acquiring the identification of the unfinished transaction order.
11. The method as recited in claim 8, further comprising:
and before the first account generates the in-transit fund data, after receiving a transaction order inquiry request of a second user associated with the second account, providing information about payment modes and the first account in the transaction order detail information page.
12. The method as recited in claim 11, further comprising:
providing prompt information in the transaction order detail information page for prompting the second user to provide the instruction information in a specified mode.
13. The method of claim 7, wherein the step of determining the position of the probe is performed,
The determining the identity of the transaction order associated with the in-transit funds data comprises:
providing a notification message about a funds transfer to a first user client associated with the first account so as to display information of the funds transfer of the first account through a funds information page of the first user client, and providing operation options for associating transaction order information for the transferred funds in the funds information page;
and determining the identification of the transaction order associated with the in-transit funds data according to the information of the transaction order received through the operation options.
14. The method of claim 13, wherein the step of determining the position of the probe is performed,
And the fund information page of the first user client is also used for displaying the second user information associated with the in-transit fund data.
15. The method of claim 13, wherein the step of determining the position of the probe is performed,
If the target amount is less than the amount of the in-transit funds data, notifying the first user associated with the first account of the account-receivable funds corresponding to the target amount on behalf of the transaction order, including:
and notifying a first user associated with the first account of the account to which the account-checking funds corresponding to the target amount are subjected on the premise that the account-checking funds are subjected to the first stage of the transaction order, and displaying the account-checking funds in the first stage as the checked-in state.
16. The method as recited in claim 15, further comprising:
providing information to be collected in the second stage of the transaction order, and displaying the information as a non-posting state;
And after the in-transit fund data is checked-in the first account and the account-settling processing is completed on the third account, displaying the second-stage accounts receivable of the transaction order as a checked-in state.
17. The method as recited in claim 7, further comprising:
Modifying the associated trade order to an in-payment state for performing a performance process on the trade order based on the in-payment state.
18. The method as recited in claim 1, further comprising:
and after receiving a notification message that the in-transit fund data is completely checked 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 a check-out process.
19. The method according to any one of claims 1 to 18, wherein,
And the attribution weights of the first account and the third account are the commodity object information system.
20. A method of processing funds data information, comprising:
Providing a fund information display page for a first user;
Displaying the fund data of the first account in the fund information display page, and providing operation options for associating transaction order information with the fund data of the fund, wherein the fund data of the fund is the fund data transferred from a third account to the first account through an associated financial institution system after the first account generates the in-transit fund data, the first account comprises an account which is applied to the associated financial institution in advance by the commodity object information system and is distributed to a seller user for collection, so that the commodity object information system provides the account set of the first account associated with seller user information to the in-transit fund network system in the cooperation process with the in-transit fund network system, and the commodity object information system sends a notification message about the generation of the in-transit fund data of the first account after the target in-transit fund data is collected to the account set, and the third account comprises an account which is associated with the commodity object information system and is used for providing a service, and the third account is the same as the first account;
and receiving the input transaction order information through the operation options and submitting the transaction order information to the server.
21. The method of claim 20, wherein the step of determining the position of the probe is performed,
The providing operation options for associating transaction order information for the funds to be credited in the funds information page comprises:
Providing a transaction order list which is not yet completed in the fund information page, and providing operation options for carrying out association operation for each transaction order respectively;
And submitting the information of the trade order to the server after receiving the operation request through the operation option corresponding to the trade order.
22. The method of claim 21, wherein the step of determining the position of the probe is performed,
If the amount of funds transferred through the third account is less than the amount of the on-transit funds data, the operating options for performing the associated operations for each transaction order are provided, respectively, including:
judging whether the trade order is first correlation or not;
And when the operation options are provided, providing action information of the operation options according to the judging result, wherein the action information comprises information for associating the first-stage accounts payable or the second-stage accounts payable for the corresponding transaction order.
23. A method for displaying transaction order information, comprising:
Receiving a viewing request of a first user for a target transaction order, wherein the first user is a payee user associated with the target transaction order;
The method comprises the steps of acquiring information of a target transaction order, wherein the information of the target transaction order comprises information of the posted funds data associated with the target transaction order, wherein the posted funds data are funds data transferred from a third account to a first account through an associated financial institution system after the first account is associated with the posted funds data, the first account comprises accounts which are applied to the associated financial institution in advance by the commodity object information system and are distributed to seller users for collection, so that the commodity object information system provides an account set of the first account associated with seller user information to the online funds network system in the cooperation process with the online funds network system, and the online funds network system sends a notification message about the generation of the online funds data to the commodity object information system after the target transfer account which collects the online funds data belongs to the account set;
and displaying the information of the checked-in funds data in the detail information page of the target transaction order.
24. The method as recited in claim 23, further comprising:
The target trade order is shown as an in-payment state.
25. A funds data information processing apparatus, comprising:
The system comprises a commodity object information system, a notification message receiving unit, a commodity object information system and a commodity object information system, wherein the commodity object information system is used for receiving a notification message of first account generation on the basis of the information of the first account, the first account comprises information of the first account and second account, the first account is a target transfer account of the on-road fund data, the second account is a transfer account of the on-road fund data, the on-road fund data is used for paying a transaction order generated in the commodity object information system, the first account comprises an account which is applied to an associated financial institution in advance by the commodity object information system and is distributed to a seller user for collection, so that the commodity object information system provides an account set of the first account which is associated with seller user information to the on-road fund network system in a cooperation process with the on-road fund network system, and the notification message is sent to the commodity object information system after the target transfer account which collects the on-road fund data belongs to the account set;
A risk assessment unit for performing risk assessment on the in-transit funds data;
a target amount determining unit for determining a target amount if the risk assessment result meets a target condition;
The system comprises a transfer request unit, a first account, a second account, a third account and a third account, wherein the transfer request unit is used for sending a transfer request to an associated financial institution system, the transfer request is used for transferring funds data corresponding to the target amount from the third account to the first account, the third account comprises an account which is associated with a commodity object information system and is used for providing a payment service, and the third account is associated with the same financial institution as the first account.
26. A funds data information processing apparatus, comprising:
The fund information page providing unit is used for providing a fund information display page for the first user;
An associated option providing unit for displaying funds data of an associated first account in the funds information display page and providing operation options for associating transaction order information with the funds data of the account, wherein the funds data of the account is transferred from a third account to the first account through an associated financial institution system after the first account generates the in-transit funds data, the first account comprises funds data which are applied to the associated financial institution in advance by the merchandise object information system and are distributed to a seller user for collection, so that the merchandise object information system provides an account set of the first account associated with seller user information to the in-transit funds network system in a cooperation process with the in-transit funds network system, so that after the target account of the in-transit funds collected by the funds network system belongs to the account set, a notification message about the generation of the in-transit data of the first account is sent to the merchandise object information system;
and the transaction order information submitting unit is used for submitting the input transaction order information to the server after receiving the input transaction order information through the operation options.
27. A trade order information display device, comprising:
the system comprises a viewing request receiving unit, a target transaction order receiving unit and a target transaction order receiving unit, wherein the viewing request receiving unit is used for receiving a viewing request of a first user for the target transaction order;
The order information acquisition unit is used for acquiring information of the target transaction order, wherein the information of the target transaction order comprises information of the credited fund data associated with the target transaction order, the credited fund data is fund data transferred from a third account to the first account through an associated financial institution system after the related first account generates the credited fund data, the first account comprises an account which is applied to the related financial institution in advance by the commodity object information system and is distributed to a seller user for collection, so that the commodity object information system provides an account set of the first account which is related with seller user information to the on-way fund network system in a cooperation process with the on-way fund network system, and the on-way fund network system sends a notification message about the generation of the on-way fund data of the first account to the commodity object information system after the target transfer account which is collected with the on-way fund data belongs to the account set;
And the display unit is used for displaying the information of the checked-in funds data in the detail information page of the target transaction order.
28. A computer readable storage medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the steps of the method of any of claims 1 to 24.
29. 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 for execution by the one or more processors, perform the steps of the method of any of claims 1 to 24.
CN202011602344.1A 2020-12-29 2020-12-29 Funds data information processing method, device and electronic equipment Active CN113298512B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202011602344.1A CN113298512B (en) 2020-12-29 2020-12-29 Funds data information processing method, device and electronic equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202011602344.1A CN113298512B (en) 2020-12-29 2020-12-29 Funds data information processing method, device and electronic equipment

Publications (2)

Publication Number Publication Date
CN113298512A CN113298512A (en) 2021-08-24
CN113298512B true CN113298512B (en) 2024-12-03

Family

ID=77318742

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202011602344.1A Active CN113298512B (en) 2020-12-29 2020-12-29 Funds data information processing method, device and electronic equipment

Country Status (1)

Country Link
CN (1) CN113298512B (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114493773A (en) * 2022-01-19 2022-05-13 浙江吉利控股集团有限公司 Order processing method and device, electronic equipment and storage medium
CN114663240A (en) * 2022-04-25 2022-06-24 中国工商银行股份有限公司 A kind of asset transaction data processing method and device
CN114971879B (en) * 2022-06-17 2023-04-07 北京极致车网科技有限公司 Information processing system and information processing method
CN115439030B (en) * 2022-11-09 2023-07-11 浙江卡赢信息科技有限公司 Capital transaction information management system based on big data analysis
CN116756215B (en) * 2023-06-27 2024-04-16 上海蚂蚁创将信息技术有限公司 Transaction in-transit state query method and system
CN117114693B (en) * 2023-10-25 2024-02-06 杭银消费金融股份有限公司 Event-based resource loss detection method and system

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105279682A (en) * 2014-07-21 2016-01-27 阿里巴巴集团控股有限公司 Transaction information processing method and apparatus for commodity object
CN107103460A (en) * 2017-03-27 2017-08-29 杭州呯嘭智能技术有限公司 The quick settlement method of cross-border payment based on credit big data

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2001306962A (en) * 2000-04-17 2001-11-02 Sanwa Bank Ltd Commodity transaction system with funds raising function
US9928490B1 (en) * 2009-01-16 2018-03-27 Wells Fargo Bank, N.A. System and method for transferring funds
CN105844515A (en) * 2016-05-20 2016-08-10 淄博新商机电子商务有限公司 Bulk commodity online order financing transaction system
CN110020839A (en) * 2018-12-04 2019-07-16 阿里巴巴集团控股有限公司 Method for processing business, apparatus and system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105279682A (en) * 2014-07-21 2016-01-27 阿里巴巴集团控股有限公司 Transaction information processing method and apparatus for commodity object
CN107103460A (en) * 2017-03-27 2017-08-29 杭州呯嘭智能技术有限公司 The quick settlement method of cross-border payment based on credit big data

Also Published As

Publication number Publication date
CN113298512A (en) 2021-08-24

Similar Documents

Publication Publication Date Title
CN113298512B (en) Funds data information processing method, device and electronic equipment
US20190318326A1 (en) Cryptocurrency kiosk/atm device and system and method of using the same
US8311895B1 (en) Real-time return processing
US9875469B1 (en) Bill splitting
US10839435B2 (en) Online/offline payment system
US20190147486A1 (en) Crypto-currency rewards network
US8700472B2 (en) Gift-card and online payment system
US10332205B1 (en) Bitcoin kiosk/ATM device and system and method of using the same
US20120095873A1 (en) Escrow management system for marketplaces
EP3413258A1 (en) Object trading platform based on trade currency
AU2020357579A1 (en) Multiple settlement options in payment system
US8500006B2 (en) Gift card purchasing system
CN110942393B (en) Transaction processing method and device based on main account and sub account, and electronic equipment
JP2022158871A (en) Information processing device, information processing method and information processing program
US20190272535A1 (en) System for providing overseas remittance service
US20230100880A1 (en) Interfaces and techniques for secure transaction funding
US20170278183A1 (en) Systems and Methods for Use in Depositing Funds to Deposit Accounts
KR20220148094A (en) Information providing method and electronic apparatus performing the same
JP6886216B2 (en) Information processing equipment, information processing methods and programs
JP6836821B2 (en) Information processing device, information processing method and trained model generation method
CA3110785C (en) Network transaction information processing method and system
CN107153952A (en) Shopping settlement method and device
CN113298607B (en) Order information processing method and device and electronic equipment
JP6884452B2 (en) Programs, information processing methods and information processing equipment
US20230130845A1 (en) Computer system and method for facilitating banking transactions

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
TA01 Transfer of patent application right
TA01 Transfer of patent application right

Effective date of registration: 20240207

Address after: # 01-21, Lai Zan Da Building 1, 51 Belarusian Road, Singapore

Applicant after: Alibaba Singapore Holdings Ltd.

Country or region after: Singapore

Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands

Applicant before: ALIBABA GROUP HOLDING Ltd.

Country or region before: United Kingdom

GR01 Patent grant
GR01 Patent grant