CN113706045A

CN113706045A - Fund payment method, apparatus, device, medium and program product

Info

Publication number: CN113706045A
Application number: CN202111029284.3A
Authority: CN
Inventors: 王一村; 陈建华; 杨硕
Original assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Current assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Priority date: 2021-09-02
Filing date: 2021-09-02
Publication date: 2021-11-26
Anticipated expiration: 2041-09-02
Also published as: CN113706045B

Abstract

The present disclosure provides a fund payment method, apparatus, device, medium, and program product applied to an online banking end, which may be applied to the field of information security or the field of finance, and the like. The fund payment method comprises the following steps: obtaining an approval instruction from a bank end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing approval; obtaining first payment information based on the approval instruction, wherein the first payment information comprises fund payment contents in the fund payment application; and sending a payment instruction to the bank terminal based on the first payment information so that the bank terminal carries out fund payment based on the payment instruction. The present disclosure also provides a method, apparatus, device, medium, and program product for funding applied to an approval end and to a bank end.

Description

Fund payment method, apparatus, device, medium and program product

Technical Field

The present disclosure relates to the field of information security or the field of finance, and the like, and more particularly, to a fund payment method, apparatus, device, medium, and program product.

Background

Funds are an essential factor for the business to be carried out, whether by an individual or by an institution. Therefore, when a fund is required to be used, the fund can be formally used after passing through a certain approval process. For example, first, an approved party submits a fund payment application at an approval system. The approver then approves the funds payment application. And finally, if the fund payment application is approved, directly transferring the fund from the related bank account to pay by the approval system.

In the related art, the approval system can directly operate a bank account to pay, and if the approval system has a risk, property loss of a user may be caused. Therefore, how to ensure the safety of the fund in the fund approval process becomes a problem to be solved urgently.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a fund payment method, apparatus, device, medium, and program product capable of improving the security of funds during a fund approval process.

One aspect of the disclosed embodiments provides a method for funding applied to an online banking terminal. The fund payment method comprises the following steps: obtaining an approval instruction from a bank end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing approval; obtaining first payment information based on the approval instruction, wherein the first payment information comprises fund payment contents in the fund payment application; and sending a payment instruction to the bank terminal based on the first payment information so that the bank terminal carries out fund payment based on the payment instruction.

According to an embodiment of the present disclosure, the obtaining first payment information based on the approval instruction includes: confirming that the approval instruction is a valid approval instruction, wherein the valid approval instruction comprises an approval instruction within a validity period and/or an approval instruction which is not paid for completion, the validity period comprises a valid time period set when the approval end generates the approval instruction, and the approval instruction which is not paid for completion comprises the approval instruction with unpaid money; obtaining corresponding first payment information based on the valid approval instruction.

According to an embodiment of the disclosure, the first payment information comprises an unpaid amount, the method further comprising: before the sending of the corresponding payment instruction to the bank terminal based on the first payment information, the method comprises the following steps: determining a payment amount in the payment instruction based on the unpaid amount; wherein, after sending the payment instruction, the method further comprises: updating the unpaid amount based on the payment amount, wherein the updated unpaid amount comprises a difference between the unpaid amount before updating and the payment amount.

Another aspect of the disclosed embodiments provides a method of fund payment applied to an approval terminal. The fund payment method comprises the following steps: receiving a fund payment application submitted by a user; examining and approving the fund payment application based on preset examination and approval conditions to obtain an examination and approval result; generating an approval instruction based on the fund payment application under the condition that the approval result is passed; and registering the approval instruction to a bank end so that the bank end can pay based on the approval instruction.

According to an embodiment of the present disclosure, the approving the fund payment application based on the preset approval condition to obtain an approval result includes: sending the fund payment application to at least one approval user, wherein the approval condition comprises information of the at least one approval user; receiving approval information returned by each approval user in the at least one approval user; obtaining the approval result based on the approval information.

According to an embodiment of the present disclosure, the generating an approval instruction based on the fund payment application comprises: generating an approval identifier of the approval instruction, wherein the approval identifier comprises an instruction number and/or an effective period; storing the fund payment content in the fund payment application in association with the approval identification to generate the approval instruction; the fund payment content comprises at least one of a payment account number, a collection account number and an approval amount.

One aspect of the disclosed embodiments provides a method of funding for a bank end. The fund payment method comprises the following steps: receiving an approval instruction registered by an approval end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing approval; responding to a request of an online bank end, and sending the approval instruction to the online bank end so that the online bank end obtains first payment information based on the approval instruction; receiving a payment instruction sent by the internet bank based on the first payment information; and making a fund payment based on the payment instruction.

According to an embodiment of the present disclosure, the making of the fund payment based on the payment instruction includes: verifying the payment instruction based on second payment information to obtain a verification result, wherein the second payment information is obtained by the bank end from an approval instruction corresponding to the payment instruction; and in the case that the verification result is passed, carrying out fund payment.

According to an embodiment of the present disclosure, the second payment information includes an unpaid amount, the payment instruction includes a payment amount, and the verifying result is that the verifying result includes: the payment amount is less than or equal to the unpaid amount; and/or the current date is in the valid period of the second payment information, wherein the valid period comprises a valid time period set when the approval end generates an approval instruction corresponding to the second payment information.

Another aspect of the embodiments of the present disclosure provides a fund payment device applied to an online banking terminal, including an instruction obtaining module, an information obtaining module and a payment sending module. The instruction obtaining module is used for obtaining an approval instruction from a bank end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing approval; the information obtaining module is used for obtaining first payment information based on the approval instruction, wherein the first payment information comprises fund payment contents in the fund payment application; and the payment sending module is used for sending a payment instruction to the bank end based on the first payment information so that the bank end carries out fund payment based on the payment instruction.

Another aspect of the disclosed embodiments provides a fund payment apparatus applied to an approval end, which includes an application receiving module, an application approval module, an instruction generating module, and an instruction registering module. The application receiving module is used for receiving a fund payment application submitted by a user; the application approval module is used for approving the fund payment application based on preset approval conditions to obtain an approval result; the instruction generation module is used for generating an approval instruction based on the fund payment application under the condition that the approval result is passed; and the instruction registration module is used for registering the approval instruction to a bank end so that the bank end can pay based on the approval instruction.

Another aspect of the disclosed embodiments provides a fund payment device applied to a bank end, which includes an instruction receiving module, an instruction sending module, a payment receiving module and a payment executing module. The instruction receiving module is used for receiving an approval instruction registered by an approval end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing the approval; the instruction sending module is used for responding to a request of the online bank end and sending the approval instruction to the online bank end so that the online bank end obtains first payment information based on the approval instruction; the payment receiving module is used for receiving a payment instruction sent by the internet bank based on the first payment information; and the payment execution module is used for carrying out fund payment based on the payment instruction.

Another aspect of the present disclosure provides an electronic device including: one or more processors; memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method as described above.

Another aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the method as described above.

Another aspect of the disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the method as described above.

One or more of the embodiments described above have the following advantages or benefits: the method can at least partially avoid potential risk problems caused by the fact that an approval system can directly operate a bank account to pay, and through a fund payment method applied to an online bank end, after an approval instruction registered by the approval end at a bank end is obtained, the online bank end obtains first payment information based on the approval instruction, and then sends a payment instruction to the bank end, so that the bank end carries out fund payment based on the payment instruction, payment operation of related accounts can be carried out by account owners, and fund payment safety is improved.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a funding method according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a method of funding applied to an approver, according to an embodiment of the disclosure;

FIG. 3 schematically shows a flow chart for obtaining approval results according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow diagram for generating approval instructions according to an embodiment of the present disclosure;

fig. 5 schematically shows a flowchart of a fund payment method applied to an online banking terminal according to another embodiment of the present disclosure;

fig. 6 schematically illustrates a flow chart for obtaining first payment information according to an embodiment of the disclosure;

FIG. 7 schematically illustrates a diagram of a list of approval instructions according to an embodiment of the present disclosure;

fig. 8 schematically shows a flowchart of a fund payment method applied to an online banking terminal according to another embodiment of the present disclosure;

fig. 9 schematically illustrates a schematic diagram of an online banking-end payment interface, according to an embodiment of the present disclosure;

FIG. 10 schematically illustrates a flow chart of a method of funding applied to a bank end, in accordance with another embodiment of the disclosure;

FIG. 11 schematically illustrates a flow diagram for making a payment of funds based on a payment instruction according to an embodiment of the disclosure;

FIG. 12 schematically illustrates a flow chart of a method of funding according to another embodiment of the present disclosure;

FIG. 13 schematically illustrates a block diagram of a funds payment device for an approval end, in accordance with an embodiment of the present disclosure;

fig. 14 is a block diagram schematically illustrating a structure of a money payment apparatus for an online banking terminal according to an embodiment of the present disclosure;

FIG. 15 schematically illustrates a block diagram of a funds payment device for the bank end in accordance with an embodiment of the present disclosure; and

FIG. 16 schematically illustrates a block diagram of an electronic device suitable for implementing a method of funding, according to an embodiment of the disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

In the related art, taking a scenario of capital supervision as an example, in a traditional online capital supervision and payment process, a specific approval process is generally processed in a capital supervision system (i.e., an approval system). Firstly, a fund payment application is input by a service person of a monitored party (namely, a checked and approved party), and then all levels of checking and approving persons of the monitoring party (namely, the checked and approved party) complete on-line checking and approving according to preset processes and rules. And after the examination and approval are passed, the fund supervision system calls a payment interface provided by the bank to complete the real-time payment of the examined and approved money. For a funds administration scenario, the funds payment may include a transfer from the funds settlement account of the administered party to a third party collection account. In other embodiments, the payment of funds may include a transfer by the account of the supervising party to the account of the supervised party.

It should be noted that the present disclosure is not limited to the fund supervision scenario, and may be used in scenarios where the engineering headquarters with the fund approval process pays the supplier, applies for scientific research projects, purchases of government agencies, special fund subsidies in specific industries, and subsidies in individual entrepreneurship.

Embodiments of the present disclosure provide a method, apparatus, device, medium, and program product for funding applied to an online banking end. The fund payment method comprises the following steps: and obtaining an approval instruction from a bank end, wherein the approval instruction comprises an instruction generated by the approval end based on the approved fund payment application. And obtaining first payment information based on the approval instruction, wherein the first payment information comprises the fund payment content in the fund payment application. And sending a payment instruction to the bank terminal based on the first payment information so that the bank terminal can pay funds based on the payment instruction.

According to the embodiment of the disclosure, by the fund payment method applied to the online bank end, after the approval instruction registered by the approval end at the bank end is obtained, the online bank end obtains the first payment information based on the approval instruction, and then sends the payment instruction to the bank end, so that the bank end carries out fund payment based on the payment instruction, the payment operation of the related account can be carried out by the account owner, the potential risk of the payment operation executed by a third party is avoided, and the safety of the fund payment is improved.

It should be noted that the fund payment method, device, apparatus, medium, and program product applied to the online banking end, the bank end, or the approval end provided in the embodiments of the present disclosure may be used in the field of information security, and may also be used in various fields other than the field of information security, such as the financial field. The fund payment method, device, equipment, medium and program product applied to the internet bank end, bank end or approval end provided by the embodiment of the disclosure are not limited in application field.

Fig. 1 schematically shows an application scenario diagram of a fund payment method according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include a first user 141, a second user 142,

terminal devices

111, 112, 131,

networks

113, 132, and

servers

114, 120, 133. Network 113 is the medium used to provide communication links between

terminal devices

111, 112 and server 114. Network 132 is the medium used to provide communication links between terminal device 131 and server 133. The

networks

113, 132 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others. In some embodiments, a network (not shown in FIG. 1) may also be disposed between

servers

114 and 120, and between

servers

120 and 133.

According to an embodiment of the present disclosure, the first user 141 may be an approver and the second user 142 may be an approved party. An approval system (i.e., an approval end) may be disposed in the server 114, a banking system (i.e., a banking end) may be disposed in the server 120, and an online banking system (i.e., an online banking end) may be disposed in the server 133.

First, the second user 142 submits a fund use application to the server 114 through the network 113 using the terminal device 111.

Server 114 then sends a fund use request to terminal device 112 via network 113 so that first user 141 may send approval information using terminal device 112.

Next, the server 114 determines whether the approval is passed or not after receiving the approval information, and generates an approval command and transmits the approval command to the server 120 and displays the approval command on the terminal device 111 if the approval is passed.

Then, the second user 142 may send an operation of obtaining an approval instruction to the server 133 through the terminal device 131, and after obtaining the approval instruction from the server 120, the server 133 transmits the approval instruction to the terminal device 131 for display.

Finally, the second user 142 may send a payment instruction to the server 133 through the terminal device 131, and the server 133 sends the payment instruction to the server 120 for making a fund payment.

The

terminal devices

111, 112, 131 may have various communication client applications installed thereon, such as a shopping application, a web browser application, a search application, an instant messaging tool, a mailbox client, social platform software, and the like (for example only). The

terminal devices

111, 112, 131 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

Servers

114, 120, 133 may be servers that provide various services, such as a back-office management server (for example only) that provides support for websites browsed by users using terminal devices. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the fund payment method applied to the online bank end provided by the embodiment of the present disclosure may be generally executed by the server 133, and may also be executed by a server or a server cluster that is different from the server 133 and is capable of communicating with the terminal device and/or the server 133. Accordingly, the fund payment device applied to the internet bank end provided by the embodiment of the present disclosure may be generally disposed in the server 133, or may be disposed in a server or a server cluster that is different from the server 133 and is capable of communicating with the terminal device and/or the server 133. Accordingly, the fund payment method applied to the approval side or the bank side provided by the embodiment of the present disclosure may be executed by the

server

114 or 120, respectively, and the fund payment device applied to the approval side or the bank side may be disposed in the

server

114 or 120, respectively.

It should be understood that the number of first users, second users, terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of first users, second users, terminal devices, networks, and servers, as desired for an implementation.

The fund payment method according to the embodiment of the present disclosure will be described in detail below with reference to fig. 2 to 12 based on the scenario described in fig. 1.

Fig. 2 schematically shows a flowchart of a fund payment method applied to an approval end according to an embodiment of the present disclosure.

As shown in fig. 2, the fund payment method applied to the approval side of the embodiment includes operations S210 to S240.

In operation S210, a fund payment application submitted by a user is received.

In operation S220, the fund payment application is approved based on preset approval conditions to obtain an approval result.

In operation S230, in case that the approval result is pass, an approval instruction is generated based on the fund payment application.

According to an embodiment of the present disclosure, the fund payment application may include information such as a fund payment purpose, an approval amount, a collection account, a payment account, and the like. The approval end can generate a message based on the corresponding information of the approved fund payment application, and the message is an approval instruction.

In operation S240, the approval instruction is registered to the bank end, so that the bank end makes payment based on the approval instruction.

According to the embodiment of the disclosure, the bank end can transfer the amount from the related account according to the plan directly based on the approval instruction so as to execute the actual payment operation. In other embodiments, after obtaining the approval instruction from the bank end, the bank end may send the payment instruction to the bank end, and the bank end performs the actual payment operation based on the payment instruction.

And the approval end can submit an approval instruction in an http post form mode.

In the related art, the bank payment interface is an account-related sensitive interface, and the approval end is generally customized and developed by a third-party software provider and is independent from the bank end. If the approval end can directly call the bank payment interface to perform payment operation, a very strict security mechanism needs to be applied during calling, so that development and deployment costs are greatly increased.

In addition, because the real-time transfer is completed by calling the payment interface, and the collection account and the amount of money are completely specified by the approval end, if the approval end has a risk, for example, when the approval end performs a payment operation, the collection account and the collection amount are tampered by illegal personnel, so that a user suffers from property loss.

According to the embodiment of the disclosure, the approval end generates a corresponding approval instruction based on the approved fund payment application instead of directly calling the payment interface of the bank end aiming at the approved fund payment application, and calls the registration interface to register at the bank end. On one hand, the payment interface can not be called by the approval end, so that the safety mechanism of the payment interface when the bank interface is called can be reduced, and the development and deployment cost is reduced. On the other hand, after the fund payment application is passed, the final payment instruction is sent by all parties of the related account through the internet bank terminal, so that all parties can dominate own property, and the fund payment safety is improved.

Fig. 3 schematically shows a flowchart of obtaining the approval result in operation S220 according to an embodiment of the present disclosure.

As shown in fig. 3, the approval of the fund payment application to obtain the approval result based on the preset approval condition in operation S220 includes operations S310 to S330.

In operation S310, a fund payment application is transmitted to at least one approval user, wherein approval conditions include information of the at least one approval user.

In operation S320, approval information returned by each of the at least one approval user is received.

In operation S330, an approval result is obtained based on the approval information.

In some embodiments of the present disclosure, the preset approval condition may be a voting approval. The voting results of the plurality of examination and approval users are equal, and each examination and approval user can select whether the examination and approval is passed or not. And after receiving a plurality of pieces of approval information within the set time, the approval end confirms the quantity of the information representing approval passing and whether the passing condition is met. For example, the passing condition is that the number of passes is greater than or equal to half or more of the number of approved users. The approval side sends a fund payment application to 10 approval users (for example only). If more than 5 approval pass numbers exist in the received approval information, the approval result of the fund payment application is approval pass.

In other embodiments of the present disclosure, the preset approval condition may be a progressive approval. Wherein, a plurality of approval users have the relationship of superior and inferior in function. For example, a basic level approval user A, a middle level approval user B and a high level approval user C exist, and an approval end firstly sends a fund payment application to the user A. And then sending a fund payment application to the user B after the approval of the user A is passed. And then, after the approval of the user B, sending a fund payment application to the user C. And finally, after the approval of the user C is passed, the approval result of the fund payment application is that the approval is passed. If any of the users A, B, C chooses not to pass the approval, the approval result of the fund payment application is not passed.

According to the embodiment of the disclosure, the operations of sending the fund payment application, receiving the approval information, obtaining the approval result and the like are automatically executed through the approval end, so that the approval efficiency is improved, each approval user can fully know the fund payment application, and the approval process is more scientific.

Fig. 4 schematically shows a flowchart of generating an approval instruction in operation S230 according to an embodiment of the present disclosure.

As shown in fig. 4, the operation S230 of generating an approval instruction based on the fund payment application includes operations S410 to S420.

In operation S410, an approval identifier of the approval instruction is generated, wherein the approval identifier includes an instruction number and/or a validity period.

According to the embodiment of the disclosure, the corresponding examination and approval identification is generated for each examination and approval instruction, so that the management of a plurality of examination and approval instructions is facilitated, and the correct operation is facilitated for each party when obtaining the examination and approval instructions. For example, if the approval identifier includes an instruction number, referring to table 1, each approval instruction may have a unique instruction number, which is convenient for the management of the approval end, the bank end or the internet bank end. If the approval mark comprises the validity period, the bank can be enabled to judge whether the approval instruction can be continuously paid or not based on the validity period, and the problem that property of the user is lost due to the fact that some approval instructions are not processed for too long time and can be utilized by illegal personnel is avoided. Wherein table 1 shows the contents of the schematic fields in the approval instruction.

TABLE 1

Field(s)	Description of the invention
		Instruction numbering	Generated by the approval end and used as the unique identifier of the approval instruction
Payment account number	Payment account number, typically a fund settlement account
		Account of collection	The collection account number can be an organization or an individual
Amount of examination and approval	Upper limit of amount to which the cumulative payment amount cannot exceed
		Period of validity	Payment validity period within which payment requests must be submitted

In operation S420, the content of the fund payment in the fund payment application is stored in association with the approval identification to generate an approval instruction. The fund payment content comprises at least one of a payment account number, a collection account number and an approval amount.

According to the embodiment of the disclosure, the content of the fund payment, that is, the content related to the fund payment in the fund payment application, for example, in order to make the examining and approving party know the application more clearly, the examined and approving party is attached with the contents of a payment account number, a collection account number, an examination and approving amount, and the like.

Fig. 5 schematically shows a flowchart of a fund payment method applied to an online banking terminal according to another embodiment of the present disclosure.

As shown in fig. 5, the fund payment method applied to the internet bank end of the embodiment includes operations S510 to S530.

In operation S510, an approval instruction is obtained from the bank side, wherein the approval instruction includes an instruction generated by the approval side based on the approved fund payment application.

According to the embodiment of the disclosure, generally, the internet bank end is a product released by a corresponding bank for secure payment, for example, a business system provided by the bank to an enterprise user, and the security check can be performed by using the U shield. In some embodiments, in order to support the internet bank end to initiate the payment operation based on the approval instruction, the internet bank end may be modified accordingly, for example, a new "approval instruction" function is added, so that the approval instruction list is obtained and displayed from the bank end.

In some embodiments of the present disclosure, the online banking terminal may directly obtain the approval instruction from the approval terminal, where the process of generating the approval instruction by the approval terminal may refer to operations S210 to S240, which are not described herein.

In other embodiments of the present disclosure, the docking between the online bank end and the bank end greatly improves the security of the fund payment, and for safety, the online bank end may be configured to interact with the bank end for data, but not with the approval end.

In operation S520, first payment information is obtained based on the approval instruction, wherein the first payment information includes the fund payment content in the fund payment application.

According to an embodiment of the present disclosure, a funding application is submitted by an approved party, including corresponding funding content. Then, the approval end generates an approval instruction based on the approved fund payment application. Then, the internet bank obtains corresponding first payment information based on the approval instruction. As can be seen from the above, on one hand, the first payment information may include information such as a payment account, a collection account, and an approval amount of the fund payment application, and on the other hand, the first payment information may further include information such as an unpaid amount of the approval instruction. The approval process and the payment process are decoupled by the approval end, the bank end and the internet bank end respectively, so that the data processing process with higher safety is realized compared with the prior art.

In operation S530, a payment instruction is transmitted to the bank side based on the first payment information, so that the bank side makes a fund payment based on the payment instruction.

According to the embodiment of the disclosure, after the online bank end obtains the approval instruction registered by the approval end at the bank end, the online bank end obtains the first payment information based on the approval instruction, and then sends the payment instruction to the bank end, so that the bank end carries out fund payment based on the payment instruction, and thus the payment operation of the related account can be carried out by the account owner, the potential risk of the payment operation executed by a third party is avoided, and the safety of the fund payment is improved.

Fig. 6 schematically shows a flowchart of obtaining the first payment information in operation S520 according to an embodiment of the present disclosure. Fig. 7 schematically shows a schematic diagram of an approval instruction list according to an embodiment of the present disclosure.

As shown in fig. 6, the obtaining of the first payment information based on the approval instruction in operation S520 includes operations S610 to S620.

In operation S610, it is determined that the approval instruction is a valid approval instruction, where the valid approval instruction includes an approval instruction within a validity period and/or an approval instruction that is not completed for payment, the validity period includes an effective time period set when the approval end generates the approval instruction, and the approval instruction that is not completed for payment includes an approval instruction having an unpaid amount.

As shown in fig. 7, the examination and approval instruction list may include a plurality of examination and approval instructions, where each examination and approval instruction includes information of a corresponding examination and approval instruction number, a payment account, a collection account, an expiration time (i.e., a validity period), an examination and approval amount, a remaining amount (i.e., an unpaid amount), a status, an executable operation, and the like. Table 2 shows a description (for example only) of each state of the approval command, and the approval command whose state is payable is a valid approval command.

TABLE 2

Status of state	Description of the invention
		Not started	The current time does not reach the start time of the validity period of the approval instruction
Has expired	The current time exceeds the end time of the validity period of the approval instruction
		Paid for	The current time is within the validity period of the approval instruction, but the approval amount is paid completely
Payable for	The current time is within the validity period of the approval instruction, and the approval amount is not fully paid

In operation S620, corresponding first payment information is obtained based on the valid approval instruction.

According to the embodiment of the disclosure, the online bank end may not obtain the first payment information for all approval instructions, referring to fig. 7, for example, for an approval instruction (number SN23923834) that has been paid, the online bank end cannot perform a payment operation, and a situation that a logic error occurs to pay more money can be avoided. For the expired approval instruction (number SN97646538), the internet bank end cannot perform payment operation, so that the timeliness of the approval instruction can be ensured, the approval instruction is prevented from being utilized by lawbreakers, and the approval instruction is ensured to meet the passing condition. For the un-started approval instruction (number SN85373833), the E-bank end cannot perform payment operation, so that the operation meets the passing condition.

The approval process is carried out by an approver according to the relevant users, time limits and the like in the fund payment application. After approval is passed, if the validity period is exceeded or the approval is not started, the current fund payment application is not in accordance with the passing condition of the approver, and then the payment operation cannot be executed.

According to an embodiment of the present disclosure, for example, for a valid approval instruction (number SN69123238), first payment information such as a payment account number, a collection account number, an approval amount, a remaining amount, and the like may be obtained. And check payment account numbers, collection account numbers and the like to avoid errors. Therefore, the approval process of the approval end can be further maintained by determining the effective approval instruction and then acquiring the first payment information, so that the approval instruction which does not meet the passing condition is prevented from being paid, and the safety of fund payment is improved.

Fig. 8 schematically shows a flowchart of a fund payment method applied to an online banking terminal according to another embodiment of the present disclosure. Fig. 9 schematically illustrates a schematic diagram of an online banking-end payment interface, according to an embodiment of the present disclosure.

As shown in fig. 8, the fund payment method applied to the internet bank terminal of this embodiment may include operations S510 to S530, may include operation S810 before operation S530, and may include operation S820 after operation S530. Wherein the first payment information includes an unpaid amount.

In operation S810, a payment amount in the payment instruction is determined based on the unpaid amount.

According to an embodiment of the present disclosure, referring to fig. 7 and 9, the payment interface shown in fig. 9 may be accessed through the corresponding approval instruction (number SN69123238) in fig. 7. As shown in fig. 9, the payment interface includes the number of the approval command, the payment account, the collection account, the approval amount, and the remaining amount, and an input box is provided, from which the specific amount of the payment can be input. In addition, the payment interface may provide a list of historical payment records to facilitate statistics and judgments by the user.

Where the remaining amount is 120000, for example, in fig. 9, the payment amount (e.g., 30000) may be determined within this range, i.e., the payment amount is less than or equal to the remaining amount.

In operation S820, the unpaid amount is updated based on the payment amount, wherein the updated unpaid amount includes a difference between the unpaid amount before the update and the payment amount.

For example, a business person of the approved party can log in the online bank end, enter the "approval instruction" module, check the successfully registered approval instruction list, and select an approval instruction with a remaining amount within the validity period to initiate payment according to the own money plan, wherein the amount of payment in the input box can be arbitrarily specified, and can be paid for many times. After payment, the internet bank end can update the residual amount in the payment interface according to the payment amount and synchronize the residual amount to the bank end. In other embodiments, the internet bank end may send the update instruction to the bank end, so that the bank end updates the remaining amount of the approval instruction after performing the payment operation.

In the related art, if the fund payment application is approved, the approval system directly transfers the fund from the related bank account to perform full payment, so that the fund pressure is high, and the payment scheme is not flexible. According to the embodiment of the disclosure, the payment amount can be flexibly designated according to the unpaid amount corresponding to the approval instruction, and the unpaid amount is updated after payment, so that all parties of the related account can flexibly initiate actual payment operation according to the account balance on the premise of meeting the approved amount and the validity period.

Fig. 10 schematically shows a flowchart of a fund payment method applied to a bank end according to another embodiment of the present disclosure.

As shown in fig. 10, the fund payment method applied to the approval side of the embodiment includes operations S1010 to S1040.

In operation S1010, an approval instruction registered by an approval terminal is received, wherein the approval instruction includes an instruction generated by the approval terminal based on an approved fund payment application.

According to the embodiment of the disclosure, the bank end can provide a registration interface for different approval ends to call so as to complete respective approval instruction registration operation. The process of generating the approval instruction by the approval end may refer to operations S210 to S240, which are not described herein.

In operation S1020, in response to the request of the online banking terminal, the approval instruction is sent to the online banking terminal, so that the online banking terminal obtains the first payment information based on the approval instruction.

In operation S1030, a payment instruction sent by the internet bank terminal based on the first payment information is received.

In operation S1040, a fund payment is made based on the payment instruction.

According to the embodiment of the disclosure, after the bank terminal pays the fund, the state of the corresponding approval instruction may be updated based on the payment amount of the payment instruction, for example, the unpaid amount of the approval instruction is updated, where the updated unpaid amount includes the difference between the unpaid amount before updating and the payment amount. And when the online bank end requests an approval instruction next time, the bank end can send the updated approval list.

In the related technology, the bank end provides a payment interface, and the approval end is enabled to call to directly pay, so that the approval end has higher requirements on a security mechanism, and the bank end also deploys a security scheme correspondingly, so that the research and development cost and the deployment cost are improved. On the other hand, if the approval end has a leak and causes property loss of the user, it will also have an adverse effect on the bank end that stores the user's property.

For example, in a fund supervision scenario, if the approval end does not register at the bank end. The bank end only carries out actual payment based on the payment instruction, and the situation that the user uses the internet bank end to counterfeit the approval instruction and bypasses the supervision may occur. In the embodiment of the disclosure, because the bank end stores the approval instruction, the fund supervision is not only embodied in the approval process of the approval end, but also the execution condition of the fund supervision is ensured by registering the approval instruction at the bank end.

According to the embodiment of the disclosure, the bank end sends the approval instruction registered by the approval end to the online bank end, and payment is carried out through the payment instruction received from the online bank end. On one hand, the requirement on the safety mechanism of the approval end can be reduced, and the corresponding safety scheme is omitted, so that the cost is saved. On the other hand, payment is carried out based on the payment instruction of the internet bank terminal, so that the condition that property loss occurs to a user due to the risk of a third party can be avoided, and potential adverse effects on the bank terminal are eliminated.

Fig. 11 schematically illustrates a flowchart of making a fund payment based on the payment instruction in operation S1040 according to an embodiment of the present disclosure.

As shown in fig. 11, the making of the fund payment based on the payment instruction in operation S1040 includes operations S1110 to S1120.

In operation S1110, the payment instruction is verified based on second payment information to obtain a verification result, where the second payment information is obtained by the bank end from an approval instruction corresponding to the payment instruction.

According to the embodiment of the disclosure, the first payment information and the second payment information are respectively obtained from the same approval instruction for different subjects (namely, the internet bank terminal and the bank terminal). Referring to fig. 7 and 9, for example, an approval instruction number may be included in the payment instruction, and the bank obtains the corresponding approval instruction based on the approval instruction number, and further obtains the second payment information. And then comparing the payment instruction with the second payment information to prevent errors from occurring when the internet bank terminal initiates the payment instruction, so that the payment instruction is not in line with the fund payment application.

According to an embodiment of the present disclosure, the verifying result is a pass-through including: the payment amount is less than or equal to the unpaid amount. And/or the current date is in the valid period of the second payment information, wherein the valid period comprises a valid time period set when the approval end generates an approval instruction corresponding to the second payment information.

In operation S1120, in case that the verification result is pass, a fund payment is made.

According to the embodiment of the disclosure, the bank side carries out verification operation on the payment instruction, and further maintains the examination and approval process of the examination and approval side and the property safety of the user. For example, the bank sends the payment instruction based on an approval instruction, and if the approval instruction is not within the validity period or does not start, the bank does not make actual payment based on the payment instruction. In addition, for example, if the approval instruction is paid or the payment amount is larger than the unpaid amount, the bank end does not make actual payment, and the property safety of the user is maintained.

Fig. 12 schematically shows a flowchart of a fund payment method according to another embodiment of the present disclosure.

As shown in fig. 12, the fund payment method of this embodiment relates to data interaction between an approval end, a bank end and an online bank end, and may specifically include operations S1201 to S1210.

In operation S1201, the approval terminal receives at least one fund payment application submitted by the user.

In operation S1202, the approval terminal approves each of the fund payment applications according to approval conditions.

In operation S1203, the approval terminal generates an approval instruction for the approved fund payment application.

In operation S1204, the bank receives one or more approval instructions registered by the approval side.

In operation S1205, the bank end obtains an approval instruction from the bank end.

In operation S1206, the bank end returns one or more approval instructions registered by the approval end to the online bank end.

In operation S1207, the bank selects one or more valid approval instructions from the approval instruction list returned from the bank, and initiates payment.

In operation S1208, the bank side verifies the payment instruction sent by the internet bank side. If the verification is not passed, operation S1210 is performed. If the verification passes, operation S1209 is performed.

After the payment instruction is verified, an actual payment operation is performed in operation S1209.

According to the embodiment of the disclosure, after the bank end executes the actual payment operation, the unpaid amount in the corresponding approval instruction can be actively updated. And if the payment is completed, updating the state of the approval instruction to be paid.

In operation S1210, the payment instruction fails to verify, and a corresponding error prompt is returned to the internet bank.

Although the various operations of the methods are described above in a particular order, embodiments of the disclosure are not so limited, and the operations described above may be performed in other orders as desired. For example, operations S1201 to S1204 and operations S1205 to S1210 may be performed asynchronously with respect to different approval instructions.

Fig. 13 schematically shows a block diagram of a fund payment device 1300 for an approval end according to an embodiment of the present disclosure.

As shown in fig. 13, the fund payment apparatus 1300 of this embodiment includes an application reception module 1310, an application approval module 1320, an instruction generation module 1330, and an instruction registration module 1340.

The application receiving module 1310 may perform operation S210, for example, for receiving a fund payment application submitted by a user.

The application approval module 1320 may perform operation S220, for example, to approve the fund payment application based on a preset approval condition to obtain an approval result.

According to an embodiment of the disclosure, the application approval module 1320 may further perform operations S310 to S330, for example, which are not described herein again.

The instruction generating module 1330 may perform, for example, operation S230, to generate an approval instruction based on the fund payment application in case that the approval result is passed. And

the instruction registration module 1340 may perform operation S240, for example, to register the approval instruction to the bank end, so that the bank end makes payment based on the approval instruction.

According to the embodiment of the disclosure, the instruction registering module 1340 may further perform operations S410 to S420, for example, which are not described herein again.

Fig. 14 schematically shows a block diagram of a fund payment device 1400 for an online banking terminal according to an embodiment of the present disclosure.

As shown in fig. 14, the money payment apparatus 1400 of this embodiment includes an instruction obtaining module 1410, an information obtaining module 1420, and a payment sending module 1430.

The instruction obtaining module 1410 may perform operation S510, for example, to obtain an approval instruction from a bank side, where the approval instruction includes an instruction generated by the approval side based on an approved fund payment application.

The information obtaining module 1420 may perform operation S520, for example, to obtain first payment information based on the approval instruction, where the first payment information includes the content of the fund payment in the fund payment application.

The payment instruction module 1430 may perform operation S530, for example, to send a payment instruction to the bank side based on the first payment information, so that the bank side performs a fund payment based on the payment instruction.

According to an embodiment of the disclosure, the payment instruction module 1430 may further perform operations S610 to S620, for example, which are not described herein again.

According to an embodiment of the present disclosure, the fund payment device 1400 may further include an instruction update module, which is configured to perform operations S810 to S820, and is not described herein again.

Fig. 15 schematically shows a block diagram of a fund payment device 1500 for bank side according to an embodiment of the present disclosure.

As shown in fig. 15, the money payment apparatus 1500 of this embodiment includes an instruction receiving module 1510, an instruction transmitting module 1520, a payment receiving module 1530, and a payment executing module 1540.

The instruction receiving module 1510 may perform operation S1010, for example, to receive an approval instruction registered by an approval end, where the approval instruction includes an instruction generated by the approval end based on a fund payment application passed through approval.

The instruction sending module 1520 may perform operation S1020, for example, to send an approval instruction to the internet bank end in response to the request of the internet bank end, so that the internet bank end obtains the first payment information based on the approval instruction.

The payment receiving module 1530 may perform operation S1030, for example, to receive a payment instruction sent by the internet bank terminal based on the first payment information. And

the payment enforcement module 1540 may, for example, perform operation S1040 for making a payment of funds based on the payment instructions.

According to an embodiment of the disclosure, the payment performing module 1540 may further perform operations S1110 to S1120, which are not described herein again.

According to an embodiment of the present disclosure, any plurality of modules in any one of the money payment apparatus 1300, the money payment apparatus 1400, or the money payment apparatus 1500 may be combined into one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the disclosure, at least one module of any one of the funds payment device 1300, the funds payment device 1400, or the funds payment device 1500 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or in any one of three implementations of software, hardware, and firmware, or in any suitable combination of any of them. Alternatively, at least one module of any one of the funds payment device 1300, the funds payment device 1400 or the funds payment device 1500 may be implemented at least in part as a computer program module that, when executed, may perform a corresponding function.

As shown in fig. 16, an electronic device 1600 according to an embodiment of the disclosure includes a processor 1601 that can perform various suitable actions and processes in accordance with a program stored in a Read Only Memory (ROM)1602 or a program loaded from a storage portion 1608 into a Random Access Memory (RAM) 1603. Processor 1601 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or related chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. Processor 1601 may also include on-board memory for caching purposes. Processor 1601 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the present disclosure.

In the RAM1603, various programs and data necessary for the operation of the electronic apparatus 1600 are stored. The processor 1601, the ROM 1602, and the RAM1603 are connected to each other via a bus 1604. Processor 1601 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 1602 and/or RAM 1603. It is to be noted that the program may also be stored in one or more memories other than the ROM 1602 and the RAM 1603. The processor 1601 can also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in one or more memories.

According to an embodiment of the present disclosure, the electronic device 1600 may also include an input/output (I/O) interface 1605, the input/output (I/O) interface 1605 also being connected to the bus 1604. The electronic device 1600 may also include one or more of the following components connected to the I/O interface 1605: an input portion 1606 including a keyboard, a mouse, and the like. Including an output portion 1607 such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker. A storage portion 1608 including a hard disk and the like. And a communication section 1609 including a network interface card such as a LAN card, a modem, or the like. The communication section 1609 performs communication processing via a network such as the internet. The driver 1610 is also connected to the I/O interface 1605 as needed. A removable medium 1611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1610 as necessary, so that a computer program read out therefrom is mounted in the storage portion 1608 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be embodied in the devices/apparatuses/systems described in the above embodiments. Or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include one or more memories other than ROM 1602 and/or RAM1603 and/or ROM 1602 and RAM1603 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. The program code is for causing a computer system to carry out the method according to the embodiments of the disclosure, when the computer program product is run on the computer system.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 1601. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed via the communication part 1609, and/or installed from the removable medium 1611. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such embodiments, the computer program may be downloaded and installed from a network via the communication portion 1609, and/or installed from the removable media 1611. The computer program, when executed by the processor 1601, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A fund payment method is applied to an online bank terminal and comprises the following steps:

obtaining an approval instruction from a bank end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing approval;

obtaining first payment information based on the approval instruction, wherein the first payment information comprises fund payment contents in the fund payment application;

and sending a payment instruction to the bank terminal based on the first payment information so that the bank terminal carries out fund payment based on the payment instruction.

2. The method of claim 1, wherein the obtaining first payment information based on the approval instruction comprises:

confirming that the approval instruction is a valid approval instruction, wherein the valid approval instruction comprises an approval instruction within a validity period and/or an approval instruction which is not paid for completion, the validity period comprises a valid time period set when the approval end generates the approval instruction, and the approval instruction which is not paid for completion comprises the approval instruction with unpaid money;

obtaining corresponding first payment information based on the valid approval instruction.

3. The method of claim 1, wherein the first payment information includes an unpaid amount, the method further comprising:

before the sending of the corresponding payment instruction to the bank terminal based on the first payment information, the method comprises the following steps:

determining a payment amount in the payment instruction based on the unpaid amount;

wherein, after sending the payment instruction, the method further comprises:

updating the unpaid amount based on the payment amount, wherein the updated unpaid amount comprises a difference between the unpaid amount before updating and the payment amount.

4. A fund payment method is applied to an approval end and comprises the following steps:

receiving a fund payment application submitted by a user;

examining and approving the fund payment application based on preset examination and approval conditions to obtain an examination and approval result;

generating an approval instruction based on the fund payment application under the condition that the approval result is passed; and

registering the approval instruction to a bank end so that the bank end makes payment based on the approval instruction.

5. The method of claim 4, wherein the approving the funding payment application based on preset approval conditions to obtain an approval result comprises:

sending the fund payment application to at least one approval user, wherein the approval condition comprises information of the at least one approval user;

receiving approval information returned by each approval user in the at least one approval user;

obtaining the approval result based on the approval information.

6. The method of claim 4, wherein the generating approval instructions based on the funding payment application comprises:

generating an approval identifier of the approval instruction, wherein the approval identifier comprises an instruction number and/or a valid period, and the valid period comprises a valid time period of the approval instruction set by the approval end;

storing the fund payment content in the fund payment application in association with the approval identification to generate the approval instruction;

the fund payment content comprises at least one of a payment account number, a collection account number and an approval amount.

7. A fund payment method is applied to a bank terminal and comprises the following steps:

receiving an approval instruction registered by an approval end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing approval;

responding to a request of an online bank end, and sending the approval instruction to the online bank end so that the online bank end obtains first payment information based on the approval instruction;

receiving a payment instruction sent by the internet bank based on the first payment information; and

and carrying out fund payment based on the payment instruction.

8. The method of claim 7, wherein the making a payment of funds based on the payment instruction comprises:

verifying the payment instruction based on second payment information to obtain a verification result, wherein the second payment information is obtained by the bank end from an approval instruction corresponding to the payment instruction;

and in the case that the verification result is passed, carrying out fund payment.

9. The method of claim 8, wherein the second payment information includes an unpaid amount, the payment instruction includes a payment amount, and the verifying being a pass includes:

the payment amount is less than or equal to the unpaid amount; and/or

The current date is within the valid period of the second payment information, wherein the valid period comprises a valid time period set when the approval end generates an approval instruction.

10. A fund payment device is applied to an online bank terminal and comprises:

the instruction acquisition module is used for acquiring an approval instruction from a bank end, wherein the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing the approval;

the information obtaining module is used for obtaining first payment information based on the approval instruction, wherein the first payment information comprises fund payment contents in the fund payment application;

and the payment sending module is used for sending a payment instruction to the bank end based on the first payment information so that the bank end carries out fund payment based on the payment instruction.

11. A fund payment device is applied to an approval end and comprises:

the application receiving module is used for receiving a fund payment application submitted by a user;

the application approval module is used for approving the fund payment application based on preset approval conditions to obtain an approval result;

the instruction generation module is used for generating an approval instruction based on the fund payment application under the condition that the approval result is passed; and

and the instruction registration module is used for registering the approval instruction to a bank end so that the bank end can pay based on the approval instruction.

12. A fund payment device is applied to bank terminals and comprises:

the system comprises an instruction receiving module, an approval processing module and a processing module, wherein the instruction receiving module is used for receiving an approval instruction registered by an approval end, and the approval instruction comprises an instruction generated by the approval end based on a fund payment application passing the approval;

the instruction sending module is used for responding to a request of the online bank end and sending the approval instruction to the online bank end so that the online bank end obtains first payment information based on the approval instruction;

the payment receiving module is used for receiving a payment instruction sent by the internet bank based on the first payment information; and

and the payment execution module is used for carrying out fund payment based on the payment instruction.

13. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-9.

14. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 9.

15. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 9.