CN115423480A - Payment method and system based on financial products - Google Patents
Payment method and system based on financial products Download PDFInfo
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- CN115423480A CN115423480A CN202210920899.3A CN202210920899A CN115423480A CN 115423480 A CN115423480 A CN 115423480A CN 202210920899 A CN202210920899 A CN 202210920899A CN 115423480 A CN115423480 A CN 115423480A
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- 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
- G06Q20/407—Cancellation of a transaction
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Abstract
The invention relates to the technical field of computers, in particular to a payment method and a payment system based on financial products, wherein the method comprises the following steps: acquiring request information of a payment order initiated by a user; checking the transaction rule; verifying an amount of account financial products for the payment order; calculating the financial product withdrawal purchase amount and/or redemption underpayment amount detail for the payment order through an intelligent redemption algorithm, and freezing the position information of the corresponding financial product; making a running schedule to be cleared, and making a payment of equal amount of funds into a bank account of a user through a payment pad payment account and freezing special funds; the user's bank account defrosts the funds and completes the order payment request. The method can meet the requirements that the user directly uses different financial product shares held at present in a life scene, reduces the complex operations of selecting financial products for a series of purchase applying or redemption and the problem of fund delay to account, and improves the payment efficiency.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a payment method and system based on financial products.
Background
At present, financial product sales organizations in the market cannot meet the requirement that product shares or fund shares of different administrator organizations are used for life scene consumption, credit card returning and the like at the same time. In the prior art, part of withdrawn subscription amount needs to be paid to a user bank account through a subscription special account, the redeemed amount needs to be paid to the user bank account through a redeemed special user, different managers use different subscription and redemption special accounts, and therefore, a plurality of fund accounts need to be involved, and the overall transaction response time is slow.
In order to meet the requirements that a user can directly use different currently held financial product shares in a life scene, the complex operation that the user selects financial products to conduct a series of procurement or redemption is reduced, and the problem that funds are delayed to be paid out is solved, the invention provides a payment method and a payment system based on financial products, and the operation that orders are paid by directly deducting from the redeemable or in-transit procurement amount of the financial products is automatically realized.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides a payment method and a payment system based on financial products.
In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:
a financial product-based payment method, comprising the steps of:
acquiring request information of a payment order initiated by a user;
checking the transaction rule;
verifying an amount of account financial products for the payment order;
calculating the financial product withdrawal purchase amount and/or redemption underpayment amount detail for the payment order through an intelligent redemption algorithm, and freezing the position information of the corresponding financial product;
making a running schedule to be cleared, and making a payment of equal amount of funds into a bank account of a user through a payment pad payment account and freezing special funds;
the user's bank account defrosts the funds and completes the order payment request.
Further, the method further includes conducting a subscription and/or redemption operation on the amount of the financial product used to pay the order and transferring to a payment pad account.
Further, the act of applying for subscription and/or redemption and transferring to the payment pad account the amount of the financial product for the payment order comprises the acts of:
acquiring a running water detailed list to be cleared, and traversing the states of all sub-running water transactions;
if the sub-stream transaction state is completed, updating the transaction state to be a completed state;
if the sub-flow water transaction state is to be processed or in process, calling the core system to perform purchase applying and/or redemption operation of the financial product, transferring to a payment pad payment account if the calling is successful, and updating the transaction state to be a completion state; and recording the call failure to a financial error table for error processing.
Further, the error handling includes:
polling and inquiring the financial error table regularly, judging and finding out unsuccessful transaction records, calling the core system again to perform purchase and/or redemption operations of the financial products, transferring to a payment pad payment account if the calling is successful, and updating the transaction state to be a completion state; and recording the operation auditing order for processing if the calling fails.
Further, before making the running water schedule to be cleared, the method further comprises: and (4) performing bill removing or bill removing processing on the subscription transaction according to a rule of first-in and last-out, and generating a subscription application flow detail.
Further, the removing or splitting the purchase requisition according to the first-in and last-out rule includes:
sequencing the procurement orders of the financial products according to the procurement time;
if the sum of the purchase-applying orders of any financial product is less than the sum to be cancelled, updating the purchase-applying orders of the financial products to be in a cancellation state, updating the rest sum to be cancelled, calculating the sums of the purchase-applying orders of the rest financial products until the sums of the purchase-applying orders of the financial products are equal to the sum to be cancelled, updating the purchase-applying orders of the corresponding financial products to be in a cancellation state, and ending the purchase-canceling flow;
if the money amount of the purchase-making order of any financial product is equal to the money amount to be cancelled, updating the purchase-making order of the financial product into a cancellation state, and ending the cancellation purchase-making process;
and if the sum of the purchase-applying order of any financial product is larger than the sum to be cancelled, updating the purchase-applying order of the financial product to be in a cancellation state, updating and generating a new purchase-applying order of the financial product, and ending the purchase-canceling flow.
The invention also relates to a payment system based on financial products, comprising:
the acquisition module acquires request information of a payment order initiated by a user;
the checking module is used for checking the transaction rule;
the checking module is used for checking the amount of account financial products for the payment order;
the calculation module is used for calculating the financial product withdrawal purchase amount and/or the redemption underpaying amount detail for the payment order through an intelligent redemption algorithm and freezing the position holding information of the corresponding financial product;
the payment module is used for making a liquidation flow detail table to be cleared, and paying the equivalent funds to the bank account of the user through the payment pad payment account and freezing the special funds; the user's bank account defrosts the funds and completes the order payment request.
The invention also relates to a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the above-mentioned method.
The invention also relates to an electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method by calling the operation instruction.
The invention also relates to a computer program product comprising a computer program and/or instructions which, when executed by a processor, implement the steps of the above-described method.
The beneficial effects of the invention are as follows:
by adopting the payment method and the system based on the financial products, the financial product withdrawal purchase-applying amount and/or the redemption payment-backing amount detail for paying the order are calculated through an intelligent redemption algorithm, the fund with the same amount as the first payment-backing account is set to be paid to the bank account of the user, then the financial products for paying the order are subjected to purchase-applying and/or redemption operation and transferred to the payment-backing account, and the payment timeliness of the user is guaranteed at the highest efficiency under the condition of guaranteeing the fund safety.
Drawings
FIG. 1 is a flow chart of a payment method based on financial products according to the present invention.
FIG. 2 is a schematic diagram of a payment system based on financial products according to the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
A first aspect of the invention relates to a financial product-based payment method having a flow of steps as shown in fig. 1, comprising the steps of:
step S1, request information of a payment order initiated by a user is obtained.
And S2, checking the transaction rule.
The rule checking engine is used for checking whether the configured transaction rule passes or not, dynamic addition options can be set for modifying the transaction rule, and the transaction rule checking can be used for checking whether the state of a customer account is normal or not, including the rule checking that whether a user bank account exceeds a limit or not, whether the user bank account is listed in a specific list or not, whether a user payment amount is met or not, whether a product amount is sufficient or not, whether a user comment is normal or not and the like.
And S3, checking the amount of the account financial products for the payment order.
The embodiment is suitable for the situation that the balance of the account of the user is not enough to pay the order or the user chooses to pay the order by using the financial product.
The financial products in this embodiment include, but are not limited to, banking products or fund products purchased by the user.
Specifically, the client's available in-transit application money, the position-taking share, the payment residual amount, the product residual amount and the frozen share are checked and calculated, and in a combined payment scene, the payment residual amount = ∑ Math.min (in-transit application money, position-taking share and frozen share).
And S4, calculating the financial product withdrawal purchase amount and/or the redemption underpaying amount detail for the payment order through an intelligent redemption algorithm, and freezing the position information of the corresponding financial product.
Preferably, the financial product withdrawal purchase amount and/or the redemption underpayment amount detail for the payment order are calculated through an intelligent redemption algorithm, and the bank account information of the user is updated; revoking the subscription amount and/or redemption payment amount details and freezing the position information of the corresponding financial product.
In the combined payment scenario, combined payment is made according to the specified rules if the customer sets the specified rules, and the withdrawal and/or redemption amount of each financial product is calculated in the default set financial product payment order if the customer does not set the specified rules.
Preferably, the financial products may be ordered according to their expiration time, rate of return, steady state, and customer preferences, determining the order of payment and the shares for revocation and/or redemption.
Preferably, in a scenario of canceling the subscription operation, the subscription transaction is canceled or canceled according to a rule of first-in and last-out, and a subscription application flow detail is generated, which specifically includes:
ordering the procurement orders of the financial products according to the procurement time;
if the sum of the purchase-applying orders of any financial product is less than the sum to be cancelled, updating the purchase-applying orders of the financial products to be in a cancellation state, updating the rest sum to be cancelled, calculating the sums of the purchase-applying orders of the rest financial products until the sums of the purchase-applying orders of the financial products are equal to the sum to be cancelled, updating the purchase-applying orders of the corresponding financial products to be in a cancellation state, and ending the purchase-canceling flow;
if the money amount of the purchase-making order of any financial product is equal to the money amount to be cancelled, updating the purchase-making order of the financial product into a cancellation state, and ending the cancellation purchase-making process;
and if the sum of the purchase-making order of any financial product is larger than the sum to be cancelled, updating the purchase-making order of the financial product to be in a cancelled state, updating and generating a new purchase-making order of the financial product, and ending the cancellation purchase-making process.
The client income maximization is realized through the mode of revocation subscription plus last-in first-out.
And S5, making a liquidation schedule to be cleared, and paying the same amount of funds to a bank account of the user through a payment underlying account and freezing special funds.
The flow detail list to be cleared is made and sent to a manager for transaction confirmation at the end of a day, and the special fund is frozen, so that the special fund can be prevented from being occupied by other transactions, and the payment timeliness of the user can be greatly improved by a payment-backing mode.
And S6, unfreezing the fund by the bank account of the user and completing the order payment request.
After the payment pad account is successfully debited, the method further comprises the steps of performing subscription and/or redemption operations on the amount of the financial product for the payment order and transferring the amount to the payment pad account, and specifically comprises the following steps:
acquiring a running water detailed list to be cleared, and traversing the states of all sub-running water transactions;
if the sub-stream transaction state is completed, updating the transaction state to be a completed state;
if the sub-flow water transaction state is to be processed or in process, calling the core system to perform purchase applying and/or redemption operation of the financial product, transferring to a payment pad payment account if the calling is successful, and updating the transaction state to be a completion state; and recording the failure of calling to a financial error table for error processing. Preferably, if the calling fails, the calling is repeated for 3 times, and if the calling is not successful after the 3 times, the financial error table is recorded.
The error handling includes:
polling and inquiring the financial error table regularly, judging and finding out unsuccessful transaction records, calling the core system again to perform purchase and/or redemption operations of the financial products, transferring to a payment pad payment account if the calling is successful, and updating the transaction state to be a completion state; and recording the operation audit order for processing if the calling fails. Preferably, if the calling fails, the calling is repeated for 3 times, and if the calling is not successful after the 3 times of repeated calling, the operation is recorded to the operation audit order for processing.
Accounting for settlement of subscription accounts and redemption accounts among different managers is solved in an asynchronous manner, so that the payment response speed is improved.
By adopting the payment method and the system based on the financial products, the financial product cancellation and subscription payment amount and/or the redemption underpaying amount detail for paying the order are calculated through an intelligent redemption algorithm, the fund with the amount of first payment of the payment underpaying account is set to be paid to the bank account of the user, then the financial products for paying the order are subjected to subscription and/or redemption operation and transferred to the payment underpaying account, and the payment timeliness of the user is guaranteed at the highest efficiency under the condition of guaranteeing the fund safety.
Another aspect of the present invention also relates to a financial product-based payment system, which is constructed as shown in fig. 2, and includes:
the acquisition module acquires request information of a payment order initiated by a user;
the checking module is used for checking the transaction rule;
the checking module is used for checking the amount of account financial products for the payment order;
the calculation module is used for calculating the financial product withdrawal purchase amount and/or the redemption underpaying amount detail for the payment order through an intelligent redemption algorithm and freezing the position holding information of the corresponding financial product;
the payment module is used for making a running schedule to be cleared, and drawing and paying equal funds to a bank account of the user through a payment pad payment account and freezing special funds; the user's bank account defrosts the funds and completes the order payment request.
By using this system, the above-described arithmetic processing method can be executed and a corresponding technical effect can be achieved.
Embodiments of the present invention also provide a computer-readable storage medium capable of implementing all the steps of the method in the above embodiments, the computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements all the steps of the method in the above embodiments.
The embodiment of the present invention further provides an electronic device for executing the method, as an implementation apparatus of the method, the electronic device at least has a processor and a memory, and particularly, the memory stores data required for executing the method and related computer programs, and the processor calls the data and the programs in the memory to execute all steps of the implementation method, and obtains corresponding technical effects.
Preferably, the electronic device may comprise a bus architecture, which may include any number of interconnected buses and bridges that link together various circuits, including one or more processors and memory. The bus may also link various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter may be the same element, i.e., a transceiver, providing a means for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory may be used for storing data used by the processor in performing operations.
Additionally, the electronic device may further include a communication module, an input unit, an audio processor, a display, a power source, and the like. The processor (or controller, operation control) may include a microprocessor or other processor device and/or logic device, which receives input and controls the operation of various components of the electronic device; the memory may be one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, and may store the above-mentioned related data information, and may also store a program for executing the related information, and the processor may execute the program stored in the memory to realize information storage or processing, etc.; the input unit is used for providing input to the processor, and can be a key or touch input device; the power supply is used for supplying power to the electronic equipment; the display is used for displaying display objects such as images and characters, and may be an LCD display, for example. The communication module is a transmitter/receiver that transmits and receives signals via an antenna. The communication module (transmitter/receiver) is coupled to the processor to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal. Based on different communication technologies, a plurality of communication modules, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be disposed in the same electronic device. The communication module (transmitter/receiver) is also coupled to a speaker and a microphone via an audio processor to provide audio output via the speaker and receive audio input from the microphone to implement the usual telecommunication functions. The audio processor may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor is also coupled to the central processor, so that recording on the local machine can be realized through the microphone, and sound stored on the local machine can be played through the loudspeaker.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all changes and modifications that fall within the scope of the invention.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are also within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A financial product-based payment method, comprising the steps of:
acquiring request information of a payment order initiated by a user;
checking the transaction rule;
verifying an amount of account financial products used to pay the order;
calculating the withdrawal and subscription amount and/or the redemption and payment amount detail of the financial product for paying the order through an intelligent redemption algorithm, and freezing the position information of the corresponding financial product;
making a running schedule to be cleared, and making a payment of equal amount of funds into a bank account of a user through a payment pad payment account and freezing special funds;
the user's bank account defrosts the funds and completes the order payment request.
2. The method of claim 1, further comprising conducting a subscription and/or redemption operation on the amount of the financial product used to pay the order and transferring to a payment pad account.
3. The method of claim 2, wherein the act of applying a subscription and/or redemption operation to the amount of the financial product for the payment order and transferring to the payment pad account comprises the acts of:
acquiring a running water detail list to be cleared, and traversing the states of all sub-running water transactions;
if the sub-stream transaction state is completed, updating the transaction state to be a completed state;
if the sub-flow water transaction state is to be processed or in process, calling the core system to perform purchase applying and/or redemption operation of the financial product, transferring to a payment pad payment account if the calling is successful, and updating the transaction state to be a completion state; and recording the call failure to a financial error table for error processing.
4. The method of claim 3, wherein the error handling comprises:
polling and inquiring the financial error table regularly, judging and finding out unsuccessful transaction records, calling the core system again to perform purchase and/or redemption operations of the financial products, transferring to a payment pad payment account if the calling is successful, and updating the transaction state to be a completion state; and recording the operation audit order for processing if the calling fails.
5. The method of any of claims 1 to 4, wherein prior to making the running water schedule to be cleared, the method further comprises: and (4) performing bill removing or bill removing processing on the subscription transaction according to a rule of first-in and last-out, and generating a subscription application flow detail.
6. The method of claim 5, wherein said de-ordering or de-ordering the subscription transaction according to the first-in-last-out rule comprises:
sequencing the procurement orders of the financial products according to the procurement time;
if the sum of the purchase-applying orders of any financial product is less than the sum to be cancelled, updating the purchase-applying orders of the financial products to be in a cancellation state, updating the rest sum to be cancelled, calculating the sums of the purchase-applying orders of the rest financial products until the sums of the purchase-applying orders of the financial products are equal to the sum to be cancelled, updating the purchase-applying orders of the corresponding financial products to be in a cancellation state, and ending the purchase-canceling flow;
if the amount of the purchase-applying order of any financial product is equal to the amount to be cancelled, updating the purchase-applying order of the financial product to be in a cancellation state, and ending the purchase-canceling flow;
and if the sum of the purchase-applying order of any financial product is larger than the sum to be cancelled, updating the purchase-applying order of the financial product to be in a cancellation state, updating and generating a new purchase-applying order of the financial product, and ending the purchase-canceling flow.
7. A financial product-based payment system, comprising:
the acquisition module acquires request information of a payment order initiated by a user;
the checking module is used for checking the transaction rule;
the checking module is used for checking the amount of account financial products for the payment order;
the calculation module is used for calculating the withdrawal and subscription amount and/or the redemption and payment amount detail of the financial product for paying the order through an intelligent redemption algorithm and freezing the position information of the corresponding financial product;
the payment module is used for making a liquidation flow detail table to be cleared, and paying the equivalent funds to the bank account of the user through the payment pad payment account and freezing the special funds; the user's bank account defrosts the funds and completes the order payment request.
8. A computer-readable storage medium, characterized in that a computer program is stored on the storage medium, which computer program, when being executed by a processor, carries out the method of any one of claims 1 to 6.
9. An electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method of any one of claims 1 to 6 by calling the operation instruction.
10. A computer program product comprising a computer program and/or instructions, characterized in that the computer program and/or instructions, when executed by a processor, implement the steps of the method of any one of claims 1 to 6.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210920899.3A CN115423480A (en) | 2022-08-02 | 2022-08-02 | Payment method and system based on financial products |
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| CN202210920899.3A CN115423480A (en) | 2022-08-02 | 2022-08-02 | Payment method and system based on financial products |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117151702A (en) * | 2023-11-01 | 2023-12-01 | 上海大智慧财汇数据科技有限公司 | Cross-system payment method and system based on money-based fund real-time transfer |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117151702A (en) * | 2023-11-01 | 2023-12-01 | 上海大智慧财汇数据科技有限公司 | Cross-system payment method and system based on money-based fund real-time transfer |
| CN117151702B (en) * | 2023-11-01 | 2024-02-13 | 上海大智慧财汇数据科技有限公司 | Cross-system payment method and system based on money-based fund real-time transfer |
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