CN118261691A - Money consumption processing method and related equipment - Google Patents
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Abstract
The application discloses a money consumption processing method and related equipment, which are used for solving the problem that how to ensure that special money can only be used for corresponding special purposes in the prior art and avoiding related risks caused by stealing money obtained by loan. The method comprises the following steps: binding a first performance factor for the dedicated money; the first performance factor being associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received; responding to the consumption request for the special money, and judging whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor; the second performance factor is associated with an actual merchant type of the special money to be consumed, an actual business type of the special money to be consumed, and an actual payee to receive the special money; if so, agreeing to the consumption request; and if the consumption requests are not matched, rejecting the consumption requests. Based on the characteristics of the performance factor associated with the merchant type, the service type and the payee, the consumer request is granted only when the first performance factor bound to the special money matches with the second performance factor corresponding to the consumer request for the special money, i.e., when the actual merchant type, the actual service type and the actual payee of the special money to be consumed all meet the expected corresponding requirements for the fund use; and when the special money is not matched, namely at least one of the actual merchant type, the actual service type and the actual payee of the special money to be consumed does not meet the expected corresponding requirement for the fund use, the consumption request is refused, so that the special money can be ensured to be only used for the corresponding special use, the special money is prevented from being stolen, and the problem of related risks caused by the special money is avoided.
Description
Technical Field
The present application relates to the technical field of financial science and technology, and in particular, to a money consumption processing method, apparatus, device, computer readable storage medium and computer program product.
Background
In the context of rapid development of current credit services, how to ensure that funds with special uses (which may be referred to as special funds), such as special funds obtained by loans, are only available for the special uses, avoiding the risks associated with the use of special funds, is a problem to be solved in the prior art.
Wherein credit refers to a form of value movement conditioned on repayment and payouts. Typically, credit activities such as bank deposit and loan are included, and in a narrow sense, only loan from a financial institution such as a bank is meant.
Disclosure of Invention
The embodiment of the application provides a money consumption processing method, which aims to solve the problem of how to ensure that special money can only be used for corresponding special purposes in the prior art and avoid related risks caused by the use of the special money.
Embodiments of the present application also provide a money consumption processing apparatus, device, computer-readable storage medium, and computer program product.
The embodiment of the application adopts the following technical scheme:
A money consumption processing method, comprising:
Binding a first performance factor for the dedicated money; the first performance factor being associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received; responding to the consumption request for the special money, and judging whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor; the second performance factor is associated with an actual merchant type of the special money to be consumed, an actual business type of the special money to be consumed, and an actual payee to receive the special money; if so, agreeing to the consumption request; and if the consumption requests are not matched, rejecting the consumption requests.
A money consumption processing method, comprising: acquiring target information; the target information includes: the method comprises the steps of (1) an actual merchant type of special money to be consumed, an actual service type of the special money to be consumed, and information of an actual payee to receive the special money; or, the target information includes: a second performance factor associated with the actual merchant type, actual business type, and the actual payee; triggering money usage approver to execute based on the target information: and judging whether to allow consumption of the special money or not based on the second performance factor.
A money consumption processing apparatus comprising: the binding unit is used for binding the first performance factor for the special money; the first performance factor being associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received; the judging unit is used for responding to the consumption request for the special money and judging whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor or not; the second performance factor is associated with an actual merchant type of the special money to be consumed, an actual business type of the special money to be consumed, and an actual payee to receive the special money; the processing unit is used for agreeing to the consumption request if the consumption request is matched; and if the consumption requests are not matched, rejecting the consumption requests.
A money consumption processing apparatus comprising: a target information acquisition unit configured to acquire target information; the target information includes: the method comprises the steps of (1) an actual merchant type of special money to be consumed, an actual service type of the special money to be consumed, and information of an actual payee to receive the special money; or, the target information includes: a second performance factor associated with the actual merchant type, actual business type, and the actual payee; the processing unit is used for triggering the money use approver to execute based on the target information: and judging whether to allow consumption of the special money or not based on the second performance factor.
A computing device, comprising: a memory and a processor, wherein,
The memory is used for storing a computer program;
The processor is coupled to the memory for executing the computer program stored in the memory for performing the method described above.
A computer readable storage medium storing a computer program which, when executed by a computer, is capable of carrying out the method described above.
A computer program product storing instructions that, when executed by a computer, cause the computer to implement the method described above.
The above at least one technical scheme adopted by the embodiment of the application can achieve the following beneficial effects:
Because of the characteristics of the specific funds bound to the specific funds based on the characteristics of the specific funds associated with the merchant type, the business type and the payee, the consumer request is only granted when the first specific funds bound to the specific funds are matched with the second specific funds corresponding to the consumer request for the specific funds, i.e., the actual merchant type, the actual business type and the actual payee of the specific funds to be consumed are in accordance with the expected corresponding requirements for the fund use; and when the special money is not matched, namely at least one of the actual merchant type, the actual service type and the actual payee of the special money to be consumed does not meet the expected corresponding requirement for the fund use, the consumption request is refused, so that the special money can be ensured to be only used for the corresponding special use, the special money is prevented from being stolen, and the problem of related risks caused by the special money is avoided.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute a limitation on the application. In the drawings:
FIG. 1 is a flowchart of a specific implementation of a money consumption processing method according to an embodiment of the present application;
FIG. 2 is a flowchart of another embodiment of a money consumption processing method according to the present application;
FIG. 3 is a flowchart of a specific implementation of applying the money consumption processing method provided by the embodiment of the present application to an actual scenario;
fig. 4 is a schematic diagram of a specific structure of a money consumption processing apparatus according to an embodiment of the present application;
FIG. 5 is a schematic diagram of a specific structure of another money consumption processing apparatus according to an embodiment of the present application;
Fig. 6 is a schematic diagram of a specific structure of a computing device according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present application and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
As one of ordinary skill in the art can know, with the development of technology and the appearance of new scenes, the technical scheme provided by the embodiment of the application is also applicable to similar technical problems.
The terms first, second and the like in the description and in the claims and in the above-described figures, 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 terms so used are interchangeable under appropriate circumstances and are merely illustrative of the manner in which embodiments of the application have been described in connection with the description of the objects having the same attributes. Furthermore, 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 elements is not necessarily limited to those elements, but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Example 1
The embodiment 1 of the application provides a money consumption processing method, which aims to solve the problem of how to ensure that special money can only be used for corresponding special purposes and avoid related risks caused by the use of the special money in the prior art.
The execution subject of the method can be any computing device that can implement the method, such as a server, a mobile phone, a personal computer, an intelligent wearable device, an intelligent robot, and the like.
Different steps of the method may be implemented by the same execution body or different execution bodies, and the embodiment of the application does not limit what execution body is adopted to implement the method.
In addition, the execution sequence of the different steps is not limited in the embodiment of the application. When the method provided by the embodiment of the application is used, the execution sequence of different steps can be adjusted according to actual requirements.
For convenience of description, the method provided by the embodiment of the present application will be described in detail below by taking a server of a dedicated money supervisor as an execution subject of the method.
The special money supervisor mentioned herein may be, for example, a financial institution providing loan service to enterprises and/or individual users, such as a bank, a third party payment institution, etc.; or other institutions with special money supervision authorities, such as institutions entrusted by the financial institutions for supervising the use of special money; etc.
As shown in fig. 1, a flowchart of a specific implementation of a money consumption processing method according to an embodiment of the present application includes the following steps:
step 11: the server of the special money supervisor binds the first performance factor for the special money;
The first performance factor is associated with an expected merchant type (hereinafter, abbreviated as an expected merchant type) that allows the exclusive funds to be consumed, an expected service type (hereinafter, abbreviated as an expected service type) that allows the exclusive funds to be consumed, and an expected payee (hereinafter, abbreviated as an expected payee) that allows the exclusive funds to be received.
In an alternative embodiment, the first performance factor may be generated based on information of the expected merchant type, the expected business type, and the expected payee.
In an alternative embodiment, the specific form of the first performance factor may be, for example, a string.
In an alternative embodiment, the string may be obtained by concatenating information of the intended merchant type, the intended service type, and the intended payee.
In a specific example, the first performance factor may be, for example, a string of such characters: { "insurance company", "car insurance", "collection account": 6245***0999"}. Wherein "insurance company" is the expected merchant type; "vehicle insurance" is the expected traffic type; "collection account: 6245 x 0999 "is the collection account of the intended recipient.
In an alternative embodiment, in the scenario of a "credit business" where a user (which may be an enterprise, or a group or individual) is loaned from a financial institution such as a bank, the information of the type of merchant desired, the type of business desired, and the party desired may be sent by a device (such as a server) of the financial institution to a server of the dedicated funds supervisor.
In one particular example, the financial institution's device may send a notification of the payment approval to the server of the dedicated payment supervisor after the approval of the dedicated payment for the user to apply for the debit is passed. The payment approval notice may include information about the expected merchant type, the allowed expected business type, and the expected payee. Thus, the money supervisor's server may generate the first performance factor based on the expected merchant type, the allowed expected business type, and the information of the expected payee.
In another specific example, the money supervisor's server may receive the first performance factor sent by the financial institution's device after the exclusive money deposit approval for the user to apply for the loan passes. The first performance factor may be generated by a device of the financial institution based on the expected merchant type, the allowed expected business type, and information of the expected payee.
In an alternative embodiment, the expected merchant type and the expected service type may be selected by the user from the expected merchant types and the expected service types provided by the financial institution and selectable by the user in the process of applying for the special money for lending, and then the selected expected merchant type and expected service type are sent to the financial institution by the user. The financial institution can determine the information of the payee corresponding to the expected merchant type and the expected business type selected by the user as the information of the expected payee according to the corresponding relation among the pre-established merchant type, the business type and the information of the payee based on the expected merchant type and the expected business type selected by the user.
In general, a user provides a financial institution with an expected type of merchant, an expected type of business allowed, intended to indicate: the user applies for this special money for the debit, which will be subsequently used to consume the "expected business type" business at the "expected business type" merchant. The previous example is followed, such as the user applying for the special money for lending, which is subsequently used to consume "car insurance" at the "insurance company".
After the user applies for the payment approval of the special money for the lending, the user provides the financial institution with the expected merchant type, the allowed expected business type and the information of the expected payee determined by the financial institution, namely the information of the expected merchant type which is allowed to consume the special money, the expected business type which is allowed to consume the special money and the information of the expected payee which is allowed to receive the special money.
Of course, after the user applies for the payment approval of the special money of the loan, the device of the financial institution may also select the type of the expected merchant that "allows" to consume the special money, the type of the expected business that "allows" to consume the special money, and the information of the expected payee that "allows" to receive the special money according to the consumption requirement corresponding to the special money.
For example, assume that the user applies for the special money for loan, and the consumption requirement is set to "car insurance" by the financial institution in advance, that is, the special money can only be used for purchasing car insurance. The financial institution may then choose, based on the consumption requirements, a correspondence between the four of the pre-established different consumption requirements, the expected merchant type that "allows" to consume the dedicated funds, the expected business type that "allows" to consume the dedicated funds, and the information of the expected payee that "allows" to receive the dedicated funds that matches the consumption requirements, such as ". Times.insurance company", "car insurance", "collection account: 6245***0000".
In addition, the server of the payment supervisor may also select the type of the expected merchant that "allows" to consume the special payment, "the type of the expected business that" allows "to consume the special payment, and the information of the expected payee that" allows "to receive the special payment. Similarly, the server of the money supervisor may also select, according to the pre-established correspondence between the four, the expected merchant type, the expected service type, and the information of the expected payee corresponding to the consumption requirement of the dedicated money.
In the embodiment of the present application, to implement binding the first performance factor for the dedicated money, in an optional implementation manner, the device of the financial institution may further send to the server of the money supervisor: the account information of the user who is to receive or has received the dedicated money (the user who applies to debit the dedicated money).
The user account information, such as but not limited to: and applying for information of the special money payment account of the user lending the special money. Where "dedicated funds payment account" refers to an account dedicated to receiving funds with "dedicated" properties.
In an alternative embodiment, the specific implementation of binding the first performance factor for the dedicated money may include: the server of the money supervisor can establish a corresponding relation between the first performance factor and the information of the special money payment account of the user applying for lending the special money, so that the first performance factor is bound for the special money.
Still taking the scenario of "credit business" where a user loans from a financial institution such as a bank as an example, in an alternative embodiment, assume that the device of the financial institution sends to the server of the money supervisor "1234556 x" the user account information to receive the dedicated money, and the first performance factor is { "insurance company", "car insurance", "collection account: 6245 0999"}, the server of the funds supervisor may establish a correspondence between the user account information" 1234556 "and the first performance factor, thereby implementing binding of the first performance factor for the dedicated funds payment account, and implementing binding of the first performance factor for the dedicated funds payment account.
Considering that even the same dedicated funds pay account, the dedicated funds may correspond to different expected merchant types, expected business types, or information of expected payee, in another alternative embodiment, the binding of the first performance factor for the dedicated funds may comprise: the server of the money supervisor binds the first performance factor for the dedicated money itself in the dedicated money payment account.
For example, suppose that a special payment account for consuming "car insurance" has a special payment 1 for consuming "a insurance company" and a special payment 2 for consuming "B insurance company". Then, the server of the money supervisor binds with the 'a insurance company', 'car insurance' and 'collection account' for the special money 1 according to the consumption requirement 'a insurance company' of the special money 1: 6245 0111' "associated first performance factor; similarly, binding with 'B insurance company', 'car insurance' and 'collection account' for private funds 2 according to the consumption requirement 'B insurance company' for private funds 2: 6245 0333' "is associated with a first performance factor.
Step 12: the server of the special money supervisor responds to the consumption request for the special money, and judges whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor;
if so, executing the step 13; otherwise, step 14 is performed.
Wherein the second performance factor is associated with an actual merchant type to consume the dedicated funds, an actual business type to consume the dedicated funds, and an actual payee to receive the dedicated funds.
For example, the second performance factor may be, for example, a string of: { "insurance company", "car insurance", "collection account": 6245***0999"}. Wherein, the insurance company is the actual merchant type; "vehicle insurance" is the actual business type; "collection account: 6245,0999 "is the collection account of the actual payee.
In an alternative embodiment, the second performance factor may be generated by the server of the dedicated funds supervisor according to the actual merchant type of the dedicated funds to be consumed, the actual service type of the dedicated funds to be consumed, and the information of the actual payee to receive the dedicated funds.
The information of the actual merchant type, the actual business type and the actual payee can be sent to the server of the special money supervision party by the user who is to consume the special money; or may be sent by the financial institution's device to a server of a dedicated funds supervisor.
In an alternative embodiment, the second performance factor may be generated by the user's device or the financial institution's device before being sent to the dedicated funds supervisor's server.
In a specific implementation manner that the consumption request is sent to the server of the dedicated money supervisor, in a specific example, a user who is to consume the dedicated money may purchase goods (such as insurance products) in an online mall, and after selecting a target commodity, may select a "dedicated money payment" channel provided by a financial institution from payment channels provided by the online mall; therefore, the server of the online mall can determine the information of the merchant type, the business type and the payee corresponding to the target commodity by inquiring the corresponding relation between the preset different commodity identifications and the information of the merchant type, the business type and the payee according to the identification of the target commodity selected by the user, and the information is used as the corresponding actual merchant type of the special money to be consumed, the actual business type of the special money to be consumed and the information of the actual payee to receive the special money.
Further, the server of the online mall can send the determined information of the actual merchant type, the actual service type and the actual payee to the equipment of the user, so that the equipment of the user can generate and send a consumption request for the special money to the server of the special money supervisor based on the information; or the server of the online marketplace may generate a consumption request for the dedicated funds based on the information and then send the consumption request to the server of the dedicated funds supervisor.
Or the server of the online mall can determine the merchant type and the service type corresponding to the target commodity by inquiring the corresponding relation between different pre-established commodity identifications, the merchant type and the service type according to the identifications of the target commodity selected by the user, and the merchant type and the service type are used as the corresponding actual merchant type and the actual service type of the special money to be consumed; and then, the server of the online mall sends the actual merchant type for consuming the special money and the actual service type for consuming the special money to the equipment of the financial institution providing the channel for paying the special money, and the equipment generates and sends a consumption request for the special money to the server of the special money supervision party based on the information of the actual payee for receiving the special money, which is stored by the equipment, and the received actual merchant type and the actual service type.
In an alternative embodiment, the server of the dedicated funds supervisor may compare whether the second performance factor is the same as the first performance factor to which the dedicated funds are bound; if the first performance factor is the same, judging that the second performance factor is matched with the first performance factor; otherwise, the second performance factor and the first performance factor are not matched.
For example, if the second performance factor is: { "insurance company", "car insurance", "collection account": 6245 by 0999 "; the first performance factor is: { "insurance company", "car insurance", "collection account": 6245 0999"}, it can be determined that the two are identical, i.e. the two match.
In an alternative embodiment, since there may be a case where the same user may have both dedicated and non-dedicated funds, in which case, to avoid unnecessary waste of resources caused by performing the matching operation of the performance factor on the non-dedicated funds, a specific implementation of step 12 may include:
Responding to a consumption request for money, and judging whether the money is bound with a special mark or not;
If the special mark is bound to the money, further judging whether a second performance factor corresponding to the consumption request is matched with the first performance factor bound to the money;
if it is determined that the money is not bound to the special mark, step 13 may be performed.
To implement binding the special token for the special money, in an alternative embodiment, the foregoing "special money payment account" for receiving/storing the special money may be opened by the server of the money supervisor for the user, and after the opening is completed, the special token is bound to the special money payment account, that is, the special token is bound to the special money to be received or received by the special money payment account.
Specifically, in an alternative embodiment, the specific implementation process of opening an account for the user by the server of the money supervisor may include:
The method comprises the steps that a server of a money supervision party responds to an account opening request of a special money payment account, and account opening operation of the special money payment account is executed;
and binding a special mark for the special money payment account after the special money payment account is successfully opened.
In an alternative embodiment, the money supervisor's server may bind a special token for the special money payment account even if the opening operation of the special money payment account is not performed by the money supervisor's server.
In an alternative embodiment, a specific implementation of binding the dedicated token may include: a special flag is set for the special funds payment account. For example, a special token is stored in correspondence with the account name of the special money payment account.
Step 13: the server of the dedicated funds supervisor agrees to the consumption request for the dedicated funds;
In an alternative embodiment, the server of the dedicated funds supervisor may freeze the dedicated funds in advance, and cancel the freezing of the dedicated funds after determining that the first performance factor and the second performance factor match by executing step 12, thereby implementing consent to the consumption request for the dedicated funds.
In another alternative embodiment, the server of the dedicated funds supervisor may send a credential to the user that characterizes the verification of the consumption request as being passed after determining that the first performance factor and the second performance factor match, so that the user may request a device (such as a financial institution's device or a third party paymate) having the right to pay with the dedicated funds to pay the actual payee based on the credential, thereby fulfilling the consent to the consumption request for the dedicated funds.
In another alternative embodiment, the timing of the sending of the consumption request for the dedicated funds to the server of the dedicated funds supervisor may be before the dedicated funds are not paid to the dedicated funds payment account. In such a case, a specific implementation of the server agreeing to the consumption request for the dedicated funds may include: triggering the payoff party to pay off the special money to the special money payment account.
The payoff party may be a financial institution, for example.
In another alternative embodiment, the server agrees to the specific implementation of the consumption request for the dedicated money may include: the server adopts an account deduction mode to transfer the special money from a special money payment account to an account of an actual payee.
The account deduction mode is based on the premise that a user opens a deduction function for a special money payment account, so that funds can be transferred directly without inputting a password when transferring funds from the special money payment account.
In an alternative embodiment, the above "trigger payor performs: the placing of the special money into the special money payment account and the transferring of the special money from the special money payment account to the account of the actual payee by adopting the account deduction mode may be performed in the same transaction.
Where a transaction, which refers to a sequence of database operations that access and potentially manipulate various data items, is either all or none, an indivisible unit of work. A transaction consists of all database operations performed between the beginning of the transaction and the end of the transaction.
In the embodiment of the application, the two operations are combined into the same transaction for execution, so that the session and IO operations can be reduced, and the operation efficiency is improved.
Step 14: the server of the dedicated funds supervisor denies the consumption request for the dedicated funds.
In an alternative embodiment, the server of the money administration supervisor may freeze the dedicated money in advance, and after determining that the first performance factor and the second performance factor do not match by executing step 12, keep the dedicated money frozen, so as to reject the consumption request for the dedicated money.
In another alternative embodiment, the server of the dedicated funds supervisor may refuse to send a credential to the user that characterizes the verification of the consumption request after determining that the first performance factor and the second performance factor do not match, so that the user cannot request a device (such as a device of a financial institution or a third party paymate) having the right to pay with the dedicated funds to pay the actual payee based on the credential, thereby fulfilling the refusal of the consumption request for the dedicated funds.
In another alternative embodiment, the timing of the sending of the consumption request for the dedicated funds to the server of the dedicated funds supervisor may be before the dedicated funds are not paid to the dedicated funds payment account. In such a case, the server rejecting the specific implementation of the consumption request for the dedicated money may include: the refusal triggers the payoff party to execute the payment of the special money to the special money payment account.
By adopting the method provided by the embodiment of the application, because the characteristics of correlation between the performance factor and the merchant type, the business type and the payee are based, when the first performance factor bound by the special money is matched with the second performance factor corresponding to the consumption request of the special money, namely, when the actual merchant type, the actual business type and the actual payee of the special money to be consumed meet the expected corresponding requirements for fund use, the consumption request is only agreed; and when the special money is not matched, namely at least one of the actual merchant type, the actual service type and the actual payee of the special money to be consumed does not meet the expected corresponding requirement for the fund use, the consumption request is refused, so that the special money can be ensured to be only used for the corresponding special use, the special money is prevented from being stolen, and the problem of related risks caused by the special money is avoided.
In view of the same inventive concept, embodiment 1 of the present application also provides a money consumption processing method.
The execution subject of the method may be any computing device that can implement the method, such as a server (e.g., a server that may be a financial institution), a cell phone, a personal computer, a smart wearable device, a smart robot, etc.
Different steps of the method may be implemented by the same execution body or different execution bodies, and the embodiment of the application does not limit what execution body is adopted to implement the method.
In addition, the execution sequence of the different steps is not limited in the embodiment of the application. When the method provided by the embodiment of the application is used, the execution sequence of different steps can be adjusted according to actual requirements.
For convenience of description, the method provided by the embodiment of the present application will be described in detail below by taking a server of a user equipment or a financial institution as an execution subject of the method.
The method comprises the following steps as shown in fig. 2:
Step 21: acquiring target information;
wherein the target information includes: the actual merchant type of the special money to be consumed, the actual business type of the special money to be consumed, and the information of the actual payee who is to receive the special money.
Or target information, including: a second performance factor associated with an actual merchant type of the dedicated funds to be consumed, an actual business type of the dedicated funds to be consumed, and an actual payee to receive the dedicated funds.
In an alternative embodiment, the second performance factor may be generated according to information of an actual merchant type of the dedicated money to be consumed, an actual service type of the dedicated money to be consumed, and an actual payee of the dedicated money to be received.
The specific form of the second performance factor may be a character string, which is described in the foregoing description and will not be repeated here.
In a specific example, assuming that the implementation subject of the method is user equipment, when the user wants to purchase the car insurance of an insurance company by using a special money obtained by loan, the user can select a "purchase" option on a lower page of the car insurance displayed by the user equipment, and can trigger a service platform of the insurance company to send information (such as account information of an actual payee) of an actual merchant type, an actual service type and an actual payee to the user equipment. The information is the target information; or the second performance factor generated based on the information is the target information.
In a specific example, assuming that the implementation subject of the method is a server of a financial institution, after the user selects the "buy" option on the order page, the server may receive information of the actual merchant type, actual service type, and actual payee sent by the service platform of the insurance company to the server of the financial institution. The information is the target information; or the second performance factor generated based on the information is the target information.
Step 22: triggering the money usage approver to execute based on the target information: based on the first performance factor and the second performance factor, it is determined whether to allow the dedicated money to be consumed.
The money usage approver may be any object having a right to limit the usage of the special money, for example, a financial institution (specifically, a device of the financial institution, such as a server), or a special money supervising entity (specifically, a device of the financial institution, such as a server), etc.
The first performance factor is associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received.
In an alternative embodiment, if the target information includes: the user device may send the target information to the money usage approver, in particular to a device (such as a server) of the money usage approver, in order to cause the device of the money usage approver to generate the second performance factor from the information, in association with the actual merchant type of the special money to be consumed, the actual service type of the special money to be consumed, and the actual payee to receive the special money. Further, the money usage approver's device may determine whether to allow the dedicated money to be consumed based on the first performance factor and the second performance factor.
In an alternative embodiment, if the target information includes the second performance factor, the user equipment may send the second performance factor to the equipment of the money usage approver, so as to trigger the equipment of the money usage approver to determine whether to allow the consumption of the special money based on the first performance factor and the second performance factor.
Taking a server taking a money usage approver as a special money supervision organization as an example, how the server specifically executes the method of judging whether to allow the special money to be consumed based on the first performance factor and the second performance factor, how to realize allowing the special money to be consumed, and how to realize not allowing the special money to be consumed can be referred to the detailed description of the foregoing, and the detailed description is omitted here.
Example 2
Example 2 mainly describes a specific embodiment of the method provided in example 1 of the present application applied to a practical scene.
In the actual scene, the system comprises a car insurance product selling channel, a car insurance cashier, a loan service platform of an insurance company A, a payment platform of the insurance company A, a payment system of the insurance company A, an insurance service supervision and a centralized collection management platform.
The loan service platform of the insurance company A is equivalent to the financial institution in the previous embodiment; the paymate of the insurance company a corresponds to the dedicated money supervisor and the payoff party described in the foregoing embodiments.
Based on the actual scenario, the specific implementation process of the method provided in embodiment 1 of the present application includes the following steps:
step 1: the user selects the car insurance to be purchased and submits a car insurance policy through a car insurance product selling channel provided by the mobile phone of the user;
The vehicle insurance product selling channel can be: a short message channel, an APP channel, a public number channel, or a applet channel, etc.
Step 2: the user selects a loan payment channel provided by an insurance company A from various payment channels provided by a car insurance product selling channel provided by a car insurance cashier, so as to trigger the car insurance cashier to send an account opening application of a special money payment account for car insurance to a loan service platform of the insurance company A;
The account opening application may include: the type of business desired (in particular, insurance company) that allows consumption of the vehicle insurance specific money, and the type of business desired (in particular, vehicle insurance) that allows consumption of the vehicle insurance specific money. In addition, the account opening application may further include authentication information (such as an identification card number) required for performing real-name authentication on the user.
Step 3: the loan service platform of the insurance company A responds to the account opening application, after the user passes the real-name authentication based on the authentication information contained in the account opening application, the authentication information (such as an identity card number), an expected merchant type (particularly the insurance company) and an expected service type (particularly the car insurance) are sent to the payment platform of the insurance company A, so that the payment platform of the insurance company A is triggered to execute the following operation 1 and operation 2:
operation 1: according to the identification card number in the authentication information, paying an account for special money for the user account opening car insurance;
operation 2: the payment account for the vehicle insurance application is bound with a special account identifier (corresponding to the special token described in the previous embodiments) and a first performance factor.
The first performance factor is generated by the payment platform of the insurance company a based on an expected merchant type (particularly the insurance company), an expected service type (particularly the vehicle insurance) and account information (particularly a collection account of the insurance company a, which may be preset in the payment platform of the insurance company a) of an expected collection party allowed to receive the payment dedicated to the vehicle insurance.
Step 4: after the user selects a loan payment channel to pay, the car insurance cashier sends a car insurance policy (comprising a user identification card number, an identification of an insurance company A, an amount of special money of the car insurance, an actual merchant type (particularly an insurance company) for consuming the special money of the car insurance, an actual service type (particularly the car insurance) for consuming the special money of the car insurance, information of an actual payee (particularly a payment account of the insurance company A) for receiving the special money of the car insurance and authentication information required for carrying out real-name authentication on the user to a payment system of the insurance company A so as to trigger the payment system of the insurance company A to execute: transmitting the insurance policy and authentication information to an insurance business supervision organization (such as a medium silver insurance policy);
Step 5: the insurance business supervision organization sends authentication information to a payment platform of the insurance company A according to the identification of the insurance company A in the vehicle insurance policy, and the payment platform of the insurance company A carries out real-name authentication on a user based on the authentication information;
Step 6: if the payment platform of the insurance company A carries out real-name authentication on the user based on the authentication information, sending a notification of the authentication passing of the user to an insurance service supervision mechanism so as to trigger the insurance service supervision mechanism to store the authentication information of the user and a car insurance policy in an associated manner, thereby realizing information record;
step 7: the insurance business supervision organization sends a notice that the user authentication passes to the charging and paying system of the insurance company A;
step 8: the charging and paying system of the insurance company A sends a charging notice to the centralized charging management platform after receiving the notice that the user authentication passes;
The collection notice includes a vehicle insurance policy.
Step 9: after receiving the collection notice, the centralized collection management platform sends a payment request containing a car insurance policy to a payment platform of an insurance company A;
Step 10: after receiving the payment request, the payment platform of the insurance company A generates a second performance factor according to the collection account of the insurance company A stored in the payment platform of the insurance company A, the actual business type (particularly the insurance company) of the special money of the insurance to be consumed and the actual business type (particularly the insurance) of the special money of the insurance to be consumed in the insurance policy; comparing whether the first performance factor and the second performance factor are the same; if the user identification card number and the special money of the car insurance are the same, the payment platform of the insurance company A pays the special money of the car insurance of the amount to a special money payment account of the car insurance corresponding to the user identification card number according to the amount of the special money of the car insurance from the user identification card number in the car insurance policy; and transferring the special money of the car insurance to the collection account of the insurance company A from the special money payment account of the car insurance.
Example 3
In view of the same inventive concept as the above embodiments of the present application, embodiment 3 of the present application provides a money consumption processing device, so as to solve the problem in the prior art that how to ensure that a special money is only available for a corresponding special purpose, and avoid the related risk caused by the use of the special money.
The specific structure schematic diagram of the device is shown in fig. 4, and the device comprises the following functional units:
A binding unit 41 for binding the first performance factor for the dedicated money; the first performance factor being associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received;
A judging unit 42, configured to respond to a consumption request for the dedicated money, and judge whether the acquired second performance factor corresponding to the consumption request matches the first performance factor; the second performance factor is associated with an actual merchant type of the special money to be consumed, an actual business type of the special money to be consumed, and an actual payee to receive the special money;
a processing unit 43, configured to agree with the consumption request if the determination result obtained by the determining unit 42 is a match; if the judgment result obtained by the judgment unit 42 is not matched, the consumption request is refused.
In an alternative embodiment, the binding unit 41 may also be adapted to: binding a special mark for the special money.
In case the binding unit 41 may further be adapted to bind a dedicated flag for said dedicated money, the judging unit 42 may specifically be adapted to:
Responding to a consumption request for the special money, and judging whether the special money is bound with a special mark or not;
And if the special money is bound with a special mark, judging whether the second performance factor is matched with the first performance factor.
In an alternative embodiment, the binding unit 41 may be specifically configured to:
responding to an account opening request of a special money payment account, and executing account opening operation of the special money payment account;
and binding a special mark for the special money payment account after the special money payment account is successfully opened.
In an alternative embodiment, the processing unit 43 may be specifically configured to: if the judgment result obtained by the judgment unit 42 is a match, the payoff party is triggered to execute: and paying the special money to a special money payment account.
In an alternative embodiment, the processing unit 43 may be specifically configured to: if the judgment result obtained by the judgment unit 42 is that the specific payment is matched, the account deduction mode is adopted, and the specific payment is transferred from the specific payment account to the account of the actual payee.
In an alternative embodiment, the triggering lender performs: paying the special money to a special money payment account; and transferring the special money from the special money payment account to the account of the actual payee by adopting an account deduction mode, wherein the special money payment account is executed in the same transaction.
In an alternative implementation manner, the device provided by the embodiment of the present application may further include: and the first performance factor generation unit is used for generating the first performance factor according to the expected merchant type allowing the consumption of the special money, the expected service type allowing the consumption of the special money and the expected payee allowing the reception of the special money after the special money is released and approved.
By adopting the device provided by the embodiment of the application, because the characteristics of the correlation between the performance factor and the merchant type, the business type and the payee are based, when the first performance factor bound by the special money is matched with the second performance factor corresponding to the consumption request of the special money, namely, when the actual merchant type, the actual business type and the actual payee of the special money to be consumed meet the expected corresponding requirements for fund use, the consumption request is only agreed; and when the special money is not matched, namely at least one of the actual merchant type, the actual service type and the actual payee of the special money to be consumed does not meet the expected corresponding requirement for the fund use, the consumption request is refused, so that the special money can be ensured to be only used for the corresponding special use, the special money is prevented from being stolen, and the problem of related risks caused by the special money is avoided.
In view of the same inventive concept, embodiment 2 of the present application also provides another money consumption processing apparatus. The specific structure schematic diagram of the device is shown in fig. 5, and the device comprises the following functional units:
a target information acquisition unit 51 for acquiring target information;
The target information includes: the method comprises the steps of (1) an actual merchant type of special money to be consumed, an actual service type of the special money to be consumed, and information of an actual payee to receive the special money; or, the target information includes: a second performance factor associated with the actual merchant type, actual business type, and the actual payee.
A triggering unit 52 for triggering the money usage approver to execute, based on the target information: and judging whether to allow consumption of the special money or not based on the first performance factor and the target information.
Wherein the first performance factor is associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received.
In an alternative embodiment, if the target information includes: the second performance factor; the apparatus may further include:
And the second performance factor generation unit is used for generating the second performance factor based on the information of the actual merchant type, the actual business type and the actual payee.
Example 4
Embodiment 4 of the present application provides a computing device in view of the same inventive concepts as the previous embodiments of the present application.
As shown in fig. 6, the computing device includes: a memory 61 and a processor 62. The memory 61 may be configured to store various other data to support operations on the electronic device. Examples of such data include instructions for any application or method operating on an electronic device. The memory 61 may be implemented by any type or combination of volatile or non-volatile memory devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk.
A processor 62 coupled to the memory 61 for executing the computer program stored in the memory 61 for executing the methods provided by the embodiments described above.
The processor 62 may perform other functions in addition to the above functions when executing the computer program in the memory 61, and in particular, reference is made to the description of the foregoing embodiments.
Further, as shown in fig. 6, the computing device further includes: a display 64, a communication component 63, a power supply component 65, an audio component 66, and other components. Only some of the components are schematically shown in fig. 6, which does not mean that the computing device only includes the components shown in fig. 6.
Accordingly, the embodiments of the present application also provide a computer-readable storage medium storing a computer program, which when executed by a computer is capable of implementing the method provided in each of the above embodiments.
Accordingly, embodiments of the present application also provide a computer program product storing instructions that, when executed by a computer, cause the computer to implement the methods provided by the above embodiments.
The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
From the above description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course may be implemented by means of hardware. Based on this understanding, the foregoing technical solution may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the respective embodiments or some parts of the embodiments.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and are not limiting; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.
Claims (14)
1. A money consumption processing method, comprising:
Binding a first performance factor for the dedicated money; the first performance factor being associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received;
Responding to the consumption request for the special money, and judging whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor; the second performance factor is associated with an actual merchant type of the special money to be consumed, an actual business type of the special money to be consumed, and an actual payee to receive the special money;
If so, agreeing to the consumption request;
and if the consumption requests are not matched, rejecting the consumption requests.
2. The method of claim 1, wherein the method further comprises:
binding a special mark for the special money; then the first time period of the first time period,
Responding to the consumption request of the special money, judging whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor, and comprises the following steps:
Responding to a consumption request for the special money, and judging whether the special money is bound with a special mark or not;
And if the special money is bound with a special mark, judging whether the second performance factor is matched with the first performance factor.
3. The method of claim 2, wherein binding the dedicated indicia for the dedicated funds comprises:
responding to an account opening request of a special money payment account, and executing account opening operation of the special money payment account;
and binding a special mark for the special money payment account after the special money payment account is successfully opened.
4. The method of claim 3, wherein granting the consumption request comprises:
triggering the payoff party to execute: and paying the special money to a special money payment account.
5. The method of claim 1 or 4, wherein granting the consumption request comprises:
And transferring the special money from the special money payment account to the account of the actual payee by adopting an account deduction mode.
6. The method of claim 5, wherein:
The triggering and paying party executes: paying the special money to a special money payment account; and transferring the special money from the special money payment account to the account of the actual payee by adopting an account deduction mode, wherein the special money payment account is executed in the same transaction.
7. The method of claim 1, wherein the method further comprises:
After the exclusive funds are approved, generating the first performance factor according to the expected merchant type allowing the exclusive funds to be consumed, the expected business type allowing the exclusive funds to be consumed, and the expected payee allowing the exclusive funds to be received.
8. A money consumption processing method, comprising:
Acquiring target information; the target information includes: the method comprises the steps of (1) an actual merchant type of special money to be consumed, an actual service type of the special money to be consumed, and information of an actual payee to receive the special money; or, the target information includes: a second performance factor associated with the actual merchant type, actual business type, and the actual payee;
triggering money usage approver to execute based on the target information: judging whether to allow consumption of the special money or not based on the first performance factor and the target information;
The first performance factor is associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received.
9. The method of claim 8, wherein the target information comprises: the second performance factor; the method further comprises:
And generating the second performance factor based on the actual merchant type, the actual business type and the information of the actual payee.
10. A money consumption processing apparatus, comprising:
the binding unit is used for binding the first performance factor for the special money; the first performance factor being associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received;
The judging unit is used for responding to the consumption request for the special money and judging whether the acquired second performance factor corresponding to the consumption request is matched with the first performance factor or not; the second performance factor is associated with an actual merchant type of the special money to be consumed, an actual business type of the special money to be consumed, and an actual payee to receive the special money;
the processing unit is used for agreeing to the consumption request if the consumption request is matched; and if the consumption requests are not matched, rejecting the consumption requests.
11. A money consumption processing apparatus, comprising:
A target information acquisition unit configured to acquire target information; the target information includes: the method comprises the steps of (1) an actual merchant type of special money to be consumed, an actual service type of the special money to be consumed, and information of an actual payee to receive the special money; or, the target information includes: a second performance factor associated with the actual merchant type, actual business type, and the actual payee;
The triggering unit is used for triggering the money use approver to execute based on the target information: judging whether to allow consumption of the special money or not based on the first performance factor and the target information;
The first performance factor is associated with an expected merchant type that allows the dedicated funds to be consumed, an expected business type that allows the dedicated funds to be consumed, and an expected payee that allows the dedicated funds to be received.
12. A computing device, comprising: a memory and a processor, wherein,
The memory is used for storing a computer program;
the processor, coupled to the memory, for executing the computer program stored in the memory for performing the method of any of claims 1-9.
13. A computer readable storage medium storing a computer program which, when executed by a computer, is capable of carrying out the method of any one of claims 1 to 9.
14. A computer program product, characterized in that it stores instructions that, when executed by a computer, cause the computer to implement the method of any one of claims 1 to 9.
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| CN202410300548.1A CN118261691A (en) | 2024-03-15 | 2024-03-15 | Money consumption processing method and related equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202410300548.1A CN118261691A (en) | 2024-03-15 | 2024-03-15 | Money consumption processing method and related equipment |
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| CN118261691A true CN118261691A (en) | 2024-06-28 |
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