CN114841694A - Capital receipt and payment method - Google Patents
Capital receipt and payment method Download PDFInfo
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- CN114841694A CN114841694A CN202210353161.3A CN202210353161A CN114841694A CN 114841694 A CN114841694 A CN 114841694A CN 202210353161 A CN202210353161 A CN 202210353161A CN 114841694 A CN114841694 A CN 114841694A
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- 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
- G06Q20/4014—Identity check for transactions
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- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The application discloses a fund receipt and payment method, which relates to the technical field of fund security and comprises the following steps: acquiring remitted fund information, wherein the remitted fund information comprises a source channel of remitted fund and fund number; judging whether the source channel of the remitted fund belongs to a preset source channel list range or not; if the source channel of the imported funds belongs to the range of a preset source channel list, judging whether the number of the imported funds does not exceed a preset fund number threshold value; if the number of the remitted funds does not exceed a preset fund number threshold value, receiving and storing the remitted funds; and paying out the remitted funds through a preset withdrawal password. The method and the device have the effect of improving the safety of fund receipt and payment.
Description
Technical Field
The invention relates to the technical field of fund security, in particular to a fund receipt and payment method.
Background
With the progress of the times, more and more commodity transactions, with the development of internet technologies and the rise of mobile payment, more and more people start to use online payment. However, the security problem of the personal funds account in online payments is also of concern. A' 2016 big data report on the embezzlement of bank cards in China shows that the embezzlement of bank cards is counted 7095 times in the whole network in 2016, and the loss of users is 1.83 hundred million yuan due to accumulation. As people become more dependent on online payments, the risk awareness and risk containment that they imply also increase accordingly.
With respect to the above-described related art, the inventors consider that there is still room for improvement in terms of the security of capital receipt and payment.
Disclosure of Invention
In order to improve the safety of fund payment, the application provides a fund payment method.
The fund receipt and payment method provided by the application adopts the following technical scheme:
a method of fund payment, comprising:
acquiring remitted fund information, wherein the remitted fund information comprises a source channel of remitted fund and fund number;
judging whether the source channel of the remitted fund belongs to a preset source channel list range or not;
if the source channel of the imported funds belongs to the range of a preset source channel list, judging whether the number of the imported funds does not exceed a preset fund number threshold value;
if the number of the remitted funds does not exceed a preset fund number threshold value, receiving and storing the remitted funds;
and paying out the remitted fund through a preset withdrawal password.
By adopting the technical scheme, when the fund is received and paid, the payer judges the source and the number of the imported fund by acquiring and analyzing the basic information of the imported fund, and when the source channel of the imported fund is not clear and the number of the imported fund exceeds the normal number threshold value, the problem of possible problems of the imported fund and the safety problem are shown.
Optionally, the step of determining whether the source channel remitted with funds belongs to a preset source channel list range further includes:
if the source channel for remitting the funds does not belong to the range of a preset source channel list, judging whether the source channel for remitting the funds meets the preset network safety standard or not;
if the source channel of the remitted fund does not accord with the preset network security standard, returning the remitted fund;
if the source channel of the remitted funds conforms to the preset network safety standard, judging whether the information of the payer of the remitted funds is complete;
and if the fund is complete, receiving and storing the remitted fund, and if the fund is incomplete, returning the remitted fund.
By adopting the technical scheme, when the fund is imported which does not meet the requirement of the source channel, the source channel of the imported fund needs to be judged, and illegal funding channels are illegal behaviors and need to be prohibited, so that the preset network security standard needs to be verified for the source channel of the imported fund, and the fund collection and payment security is improved.
Optionally, after the step of determining whether the number of the remitted funds does not exceed a preset fund number threshold, the method further includes:
If the number of the imported funds exceeds a preset fund number threshold value, rechecking the number of the imported funds to obtain a rechecking result;
and returning the remitted funds if the number of remitted funds still exceeds a preset fund number threshold based on the rechecking result.
By adopting the technical scheme, for the remitted funds exceeding the fund number threshold, rechecking is needed, the number of the remitted funds is rechecked again, and if the fund number is still abnormal, the remitted funds are directly returned, so that a series of problems caused by abnormal fund number in the follow-up process are avoided.
Optionally, obtaining historical fund remittance condition information;
randomly spot-checking the condition information of the historical remitted funds at a preset frequency, wherein the condition information comprises a source channel, the fund number and payer information of the historical remitted funds;
and returning the remitted funds if at least one item is unqualified based on the random spot check condition, and recording the condition information of the remitted funds of the random spot check.
By adopting the technical scheme, after the funds are imported, the historical imported funds are subjected to spot check at a certain frequency, the condition that condition information does not meet requirements due to error check in the previous receiving process is prevented, and if the condition information is abnormal, the historical imported funds are returned, so that the safety and normality of the information of the imported funds are maintained.
Optionally, the step of receiving and storing the remitted funds comprises:
based on the remitted funds, extracting part of the remitted funds according to a preset proportion and taking the remitted funds as pledge funds;
and if the condition that the remitted fund is not unqualified based on the random spot check condition in the preset time period, merging the pledge fund into the remitted fund for storage.
By adopting the technical scheme, when the remitted fund is received, in order to avoid a series of problems in the remitted fund, a pledge guarantee needs to be made on the remitted fund, namely the remitted fund is used as the pledge fund according to a certain proportion (for example, 10%), because random spot check is involved, the pledge fund is returned after the spot check is qualified in a period of time, and if the safety problem of the fund occurs in the period of time, the pledge fund needs to be withdrawn, so that a certain supervision effect can be achieved in the aspect of fund collection and payment.
Optionally, the step of paying out the remitted fund through a preset withdrawal password includes:
the withdrawal password comprises a fixed password field and a floating password field, the field of the fixed password field is fixed and unchanged, and the floating password field changes in real time.
By adopting the technical scheme, when the expenditure is remitted into the fund, the safety of the password can be improved by setting the fixed password and the floating password field.
Optionally, the step of obtaining the floating password field includes:
if the condition that the remitted fund is not unqualified based on the random spot check condition in the preset time period, arranging a plurality of preset payers to jointly keep the floating password field;
and if the remitted fund is unqualified, the floating password field is in a combination form of random variation of numbers and letters.
By adopting the technical scheme, in the spot check condition of a certain time period, if the condition is unqualified, the imported fund is still leaked, and other problems can be met.
Optionally, the step of arranging a predetermined number of payers to jointly keep the floating password field includes:
acquiring the times of unqualified remitted funds paid by all historical payers;
and selecting a preset number of payers with the minimum number of times as a plurality of payers for jointly keeping the floating password field according to a number sorting principle based on the number of times of unqualified occurrence.
By adopting the technical scheme, when a plurality of payers in the floating password field are arranged to be stored, the payers with the least unqualified times need to be used as target payers, because the less the unqualified times are, the higher the integrity is represented, and the safety of fund receipt and payment can be improved by storing the floating password field by the payers.
To sum up, the application comprises the following beneficial technical effects:
1. when the fund is received and paid, the payer judges the source and the number of the remitted fund by acquiring and analyzing the basic information of the remitted fund, and when the source channel of the remitted fund is not clear and the number of the remitted fund exceeds a normal number threshold, the remitted fund is possibly problematic and possibly has a safety problem, so that the fund is allowed to be received only when the source channel of the remitted fund and the number of the fund meet the requirements, and the safety of fund receipt and payment is improved;
2. After the funds are imported, performing spot check on the historical imported funds at a certain frequency, preventing the condition that condition information does not meet requirements due to error check in the previous receiving process, and returning the historical imported funds if the condition information is abnormal, so that the safety and normality of the information of the imported funds are maintained;
3. when receiving the imported funds, in order to avoid a series of problems occurring in the subsequent process of the imported funds, a pledge guarantee needs to be made on the imported funds, namely, the imported funds are used as pledge funds according to a certain proportion (for example, 10%), because random spot check is involved, the pledge funds are returned after the spot check is qualified in a period of time, and if the safety problem of the funds occurs in the period of time, the pledge funds need to be withdrawn, so that a certain supervision effect can be achieved in the aspect of fund collection and payment.
Drawings
FIG. 1 is a flow chart of a method of fund receipt and payment according to an embodiment of the present application.
Detailed Description
The present application is described in further detail below with reference to fig. 1.
Referring to fig. 1, the embodiment of the application discloses a fund receipt and payment method, which includes steps S100 to S500:
Step S100: and acquiring the remittance fund information, wherein the remittance fund information comprises a source channel of remittance fund and fund number.
Step S200: and judging whether the source channel for remitting the fund belongs to the range of the preset source channel list.
For example, the source channel list includes types of bank remittance, personal remittance, enterprise remittance, etc., wherein the names of the bank remittance, the personal remittance, and the enterprise remittance are on the source channel list.
Step S300: and if the source channel for remitting the funds belongs to the range of the preset source channel list, judging whether the number of remitted funds does not exceed a preset fund number threshold value.
For example, the source channel for remitting the funds is xxx enterprise remittance, and the remittance belongs to the list of the source channels, it needs to further determine whether the amount of the funds meets the requirement.
And if the source channel for remitting the funds does not belong to the range of the preset source channel list, judging whether the source channel for remitting the funds meets the preset network safety standard or not.
And if the source channel of the remitted funds does not meet the preset network security standard, returning the remitted funds. The network security standard refers to that the funds imported by illegal routes are not received according to the network security law.
And if the source channel of the remitted fund accords with the preset network safety standard, judging whether the information of the payer remitted with the fund is complete.
If complete, receiving and storing the remitted funds, and if incomplete, returning the remitted funds.
The payer information comprises a name, an identification number, a remittance address and other identity information, and if the remitter information is incomplete, the problem of fund security is solved after the later stage, so that the problem of tracing to the source is inconvenient.
Step S400: if the number of funds remitted does not exceed a preset number of funds threshold, the remitted funds are received and stored.
Assuming that the threshold value of the number of funds is 10w and the number of funds remitted is 9w, the remitted funds are received and stored as required.
And if the number of the remitted funds exceeds a preset fund number threshold value, rechecking the number of the remitted funds and obtaining a rechecking result. If the number of the imported funds exceeds the threshold value, the abnormal number of the imported funds need to be checked again.
And returning the remitted funds if the number of remitted funds still exceeds a preset fund number threshold value based on the rechecking result. If the number of the remitted funds still does not meet the requirement according to the rechecking condition, the funds are abnormal and return processing is required.
And acquiring historical fund remittance condition information.
Randomly spot-checking the historical remitted fund condition information at a preset frequency, wherein the condition information comprises the source channel, the fund number and the payer information of the historical remitted fund.
And returning the remitted funds if at least one item is unqualified based on the random spot check condition, and recording the information of the remitted funds which are unqualified in the spot check.
And based on the remitted funds, withdrawing part of the remitted funds according to a preset proportion and using the remitted funds as pledge funds.
That is, the money is remitted as the pledge money according to a certain proportion (for example, 10%), because random spot check is involved, the pledge money is returned after the spot check is qualified in a period of time, and if the safety problem of the money occurs in the period of time, the pledge money needs to be recovered, so that a certain supervision effect can be played in the aspect of money receiving and paying.
If the remitted fund is not unqualified based on the random spot check within the preset time period, the pledge fund is merged into the remitted fund for storage.
Step S500: and money is input through the preset withdrawal password.
The withdrawal password comprises a fixed password field and a floating password field, the field of the fixed password field is fixed and unchanged, and the floating password field is changed in real time.
For example, the fixed password field is 12ab and the floating password field is changed.
The step of obtaining the floating password field comprises:
if the remitted fund is not unqualified based on the random spot check condition in a preset time period, arranging a plurality of preset payers to jointly keep the floating password field; for example, the floating password field is 34cdef, and is divided into three persons to store together, each person stores two characters, and three persons input the password together to take out the fund.
If the item is not eligible for remittance, the floating password field is in the form of a combination of random variations in numbers and letters. If the history is unqualified, the imported fund is still vulnerable, other problems may be encountered, and the password needs to be changed all the time in order to improve the security in payment; for example, the numbers and letters are freely combined in the form of a random number at each inquiry or withdrawal of funds.
The step of arranging a plurality of preset payers to jointly keep the floating password field comprises the following steps:
acquiring the times of unqualified remitted funds paid by all historical payers; and based on the number of times of unqualified payment, selecting a preset number of payers with the least number of times as a plurality of payers for commonly keeping the floating password field according to a number sorting principle.
When the condition of unqualified spot check occurs, the fact that a certain problem exists in the fund delivery and a certain integrity problem is reflected can be described from the side, according to the prior fund receipt and payment cases of all payers, the payers with the fewest unqualified cases are selected as target payers for storing the floating password field, and when the payers with the same unqualified cases exist, the payers with few unqualified times are selected as a plurality of payers for commonly storing the floating password field in an ascending order.
The implementation principle of the fund receipt and payment method in the embodiment of the application is as follows: when the fund is received and paid, the payer judges the source and the number of the remitted fund by acquiring and analyzing the basic information of the remitted fund, and when the source channel of the remitted fund is not clear and the number of the remitted fund exceeds a normal number threshold, the remitted fund is proved to have a problem and possibly has a safety problem.
When the fund is imported, the source channel of the imported fund needs to be judged, and some illegal funding channels are illegal behaviors and need to be prohibited, so that the preset network security standard needs to be verified for the source channel of the imported fund, and the fund collection and payment security is improved.
And for the remitted funds exceeding the fund number threshold value, rechecking the number of the remitted funds, and if the fund number is still abnormal, directly returning the remitted funds to avoid a series of problems caused by the abnormal fund number.
After the funds are imported, the historical imported funds are subjected to spot check at a certain frequency, the condition that condition information does not meet requirements due to error check in the previous receiving process is prevented, and if the condition is abnormal, the historical imported funds are returned, so that the safety and normality of the information of the imported funds are maintained.
When receiving the remitted fund, in order to avoid a series of problems in the remitted fund, a pledge guarantee needs to be made on the remitted fund, namely the remitted fund is used as the pledge fund according to a certain proportion, and random spot check is involved, so the pledge fund is returned after the spot check is qualified in a period of time, and if the safety problem of the fund occurs in the period, the pledge fund needs to be recovered, thereby playing a certain supervision role in the aspects of fund collection and payment.
When the fund is remitted at expense, the safety of the password can be improved by setting the fixed password and the floating password field. In the spot check condition of a certain period of time, if the condition is unqualified, the imported fund is still leaked, and other problems can be met.
When arranging to store a plurality of payers of the floating password field, the payers with the least number of unqualified times need to be used as target payers, because the less the number of unqualified times is, the higher the integrity is represented, and the safety of fund receipt and payment can be improved by storing the floating password field by the payers.
The above embodiments are preferred embodiments of the present application, and the protection scope of the present application is not limited by the above embodiments, so: all equivalent changes made according to the structure, shape and principle of the present application shall be covered by the protection scope of the present application.
Claims (8)
1. A method of fund receipt and payment, comprising: the method comprises the following steps:
acquiring remitted fund information, wherein the remitted fund information comprises a source channel of remitted fund and fund number;
judging whether the source channel of the remitted fund belongs to a preset source channel list range or not;
if the source channel of the imported funds belongs to the range of a preset source channel list, judging whether the number of the imported funds does not exceed a preset fund number threshold value;
if the number of the remitted funds does not exceed a preset fund number threshold value, receiving and storing the remitted funds;
and paying out the remitted fund through a preset withdrawal password.
2. A method of fund receipt and payment according to claim 1, wherein: the step of judging whether the source channel remitted with funds belongs to the range of the preset source channel list further comprises the following steps:
if the source channel for remitting the funds does not belong to the range of a preset source channel list, judging whether the source channel for remitting the funds meets the preset network safety standard or not;
if the source channel of the remitted fund does not accord with the preset network security standard, returning the remitted fund;
if the source channel of the remitted funds conforms to the preset network safety standard, judging whether the information of the payer of the remitted funds is complete;
and if the fund is complete, receiving and storing the remitted fund, and if the fund is incomplete, returning the remitted fund.
3. A method of fund receipt and payment according to claim 1, wherein: the step of judging whether the number of the remitted funds does not exceed a preset fund number threshold value further comprises the following steps:
if the number of the imported funds exceeds a preset fund number threshold value, rechecking the number of the imported funds to obtain a rechecking result;
and returning the remitted funds if the number of remitted funds still exceeds a preset fund number threshold based on the rechecking result.
4. A method of fund receipt and payment according to any one of claims 1-3, wherein:
acquiring historical fund remittance condition information;
randomly spot-checking the condition information of the historical remitted funds at a preset frequency, wherein the condition information comprises a source channel, the fund number and payer information of the historical remitted funds;
and returning the remitted fund if at least one item is unqualified based on the random spot check condition, and recording the information of the remitted fund which is unqualified in the spot check.
5. A method of fund receipt and payment according to claim 4, wherein: said step of receiving and storing said funds for deposit may be followed by:
based on the remitted funds, extracting part of the remitted funds according to a preset proportion and taking the remitted funds as pledge funds;
and if the condition that the remitted fund is not unqualified based on the random spot check condition in the preset time period, merging the pledge fund into the remitted fund for storage.
6. A method of fund receipt and payment according to claim 5, wherein: the step of paying out the remitted fund by a preset withdrawal password comprises the following steps:
The withdrawal password comprises a fixed password field and a floating password field, the field of the fixed password field is fixed and unchanged, and the floating password field changes in real time.
7. A method of fund receipt and payment according to claim 6, wherein: the step of obtaining the floating password field comprises:
if the imported fund is not unqualified based on the random spot check condition in the preset time period, arranging a plurality of preset payers to jointly keep the floating password field;
and if the remitted fund is unqualified, the floating password field is in a combination form of random variation of numbers and letters.
8. A method of fund receipt and payment according to claim 7, wherein: the step of arranging a predetermined number of payers to jointly keep the floating password field comprises:
acquiring the times of unqualified remitted funds paid by all historical payers;
and selecting a preset number of payers with the minimum number of times as a plurality of payers for jointly keeping the floating password field according to a number sorting principle based on the number of times of unqualified occurrence.
Priority Applications (1)
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CN202210353161.3A CN114841694A (en) | 2022-04-06 | 2022-04-06 | Capital receipt and payment method |
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CN202210353161.3A CN114841694A (en) | 2022-04-06 | 2022-04-06 | Capital receipt and payment method |
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CN114841694A true CN114841694A (en) | 2022-08-02 |
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CN202210353161.3A Pending CN114841694A (en) | 2022-04-06 | 2022-04-06 | Capital receipt and payment method |
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