WO2018214832A1 - Resource transfer realization method and apparatus, and collection and payment realization method and apparatus - Google Patents

Resource transfer realization method and apparatus, and collection and payment realization method and apparatus Download PDF

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Publication number
WO2018214832A1
WO2018214832A1 PCT/CN2018/087594 CN2018087594W WO2018214832A1 WO 2018214832 A1 WO2018214832 A1 WO 2018214832A1 CN 2018087594 W CN2018087594 W CN 2018087594W WO 2018214832 A1 WO2018214832 A1 WO 2018214832A1
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WIPO (PCT)
Prior art keywords
share
payer
payment
transfer
change
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PCT/CN2018/087594
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French (fr)
Chinese (zh)
Inventor
柳林东
Original Assignee
阿里巴巴集团控股有限公司
柳林东
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Publication of WO2018214832A1 publication Critical patent/WO2018214832A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

  • the present application relates to the field of network communication technologies, and in particular, to a method and an apparatus for implementing resource transfer, and a method and an apparatus for implementing payment.
  • AA collections are widely used by users as a common feature.
  • the paying user uses the account as the payee on the client of the online banking or online payment platform, assigns the account of one to multiple payment users as the payer, and inputs the total amount of the payment, and then starts the AA collection function.
  • the client of the payee user calculates the share that each payer needs to pay, and initiates a payment notification to each payer through the payment server of the online banking or online payment platform, and the payment user can make a payment notification on the client according to the payment notification. Payment by the payee.
  • the receiving user may have errors such as the total amount of the wrong receipt, the specified or less specified payment party, and the like.
  • the paying user needs to correct it by himself. For example, if the payer is less specified, the paying user needs to separately initiate a payment to the newly added payer, and has to pay the original payment. The over-received shares are returned one by one. In this way, once an error occurs for various reasons, the user of the payment usually needs to undergo complicated calculations and complicated operations to correct it, which causes inconvenience to the user.
  • the present application provides a method for implementing resource transfer, which is applied to a target node of resource transfer, and the method includes:
  • the method for implementing resource transfer provided by the application is applied to a starting node of resource transfer, and the method includes:
  • the resource transfer notification includes an updated share to be transferred or a share to be transferred, and the resource return notification includes part or all of the transferred resource shares that are returned;
  • the share, the share to be transferred or the returned share is determined based on the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
  • the resource is transferred to the target node of the resource transfer according to the resource transfer notification.
  • the application also provides an apparatus for implementing resource transfer, which is applied to a target node of resource transfer, and the apparatus includes:
  • a transfer parameter receiving unit configured to receive a change to the transfer parameter
  • a resource transfer change unit configured to perform at least one of the following actions according to the changed transfer parameter and the transfer state of the start node: notifying the at least one start node of the resource share to be transferred, returning the portion to the at least one start node, or All transferred resources.
  • An apparatus for implementing resource transfer provided by the present application is applied to a start node of resource transfer, and the apparatus includes:
  • a return or transfer notification receiving unit configured to receive a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated required transfer share or a share to be transferred, and the resource return notification includes part or all of the returned
  • the transferred resource share; the share to be transferred, the share to be transferred or the returned share is determined according to the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
  • a resource transfer execution unit configured to transfer resources to the target node of the resource transfer according to the resource transfer notification.
  • the application provides a method for implementing payment and collection, including:
  • At least one of the following actions is performed in accordance with the changed payment parameters and the payment status of the payer: notifying at least one payer of the share to be paid, and refunding the at least one payer.
  • the method for implementing payment and payment provided by the application is applied to a payer terminal, and the method includes:
  • the payment notice includes an updated share to be paid or a share to be paid, the refund notice includes part or all of the paid share returned; the share to be paid, The share to be replenished or the share to be refunded is determined based on the change in the payment parameters of the payment received and the payment status of the payer;
  • the payment is made to the payee according to the payment notification.
  • the application also provides an implementation device for receiving payment, comprising:
  • a payment parameter receiving unit configured to receive a change to the payment parameter
  • the payment and payment change unit is configured to perform at least one of the following actions according to the changed payment parameter and the payment state of the payer: notifying the at least one payer of the share to be paid, and refunding the at least one payer.
  • the device for implementing payment and payment provided by the application is applied to a payer terminal, and the device includes:
  • the refund notification receiving unit is configured to receive a refund notice or a payment notice, where the payment notice includes an updated share to be paid or a share to be paid, and the refund notice includes some or all of the returned
  • the share of payment; the share to be paid, the share to be paid or the share to be returned is determined based on the change in the payment parameters of the received payment and the payment status of the payer;
  • the payment payment unit is configured to perform payment to the payee according to the payment notification according to the user's instruction.
  • the transfer parameter can be changed on the target node of the resource transfer, and the target node automatically follows the transfer state of each start node, and each The resource transfer situation between the starting nodes is corrected to match the updated transfer parameters without manual intervention, which can improve the efficiency of error correction and improve the user's convenience when applied to the payment.
  • the payment user is provided with the function of modifying the payment parameter, and one or two of the following actions are automatically performed according to the changed payment parameter and the payment status of each payer. : Initiating a payment notification to the payee who still needs to pay, and refunding the paid payer to the overpaid share, so that the receiving user does not need to calculate and count several receipts when the payment parameter input error occurs.
  • the corrections were made separately, which improved the efficiency of error correction and improved the convenience of users.
  • FIG. 1 is a flowchart of a method for implementing resource transfer applied to a target node in Embodiment 1 of the present application;
  • FIG. 2 is a flowchart of a method for implementing resource transfer applied to a starting node in Embodiment 1 of the present application;
  • FIG. 3 is a flowchart of a method for implementing payment and payment applied to a payee terminal or a payment server according to Embodiment 2 of the present application;
  • FIG. 4 is a flowchart of a method for implementing payment and payment on a payer terminal according to Embodiment 2 of the present application;
  • FIG. 5 is a diagram showing an example of a payment parameter change interface in an application example of the present application.
  • FIG. 6 is a diagram showing an example of a first change receipt parameter change interface in an application example of the present application
  • FIG. 7 is a diagram showing an example of a payment notification interface of a payment difference in the application example of the present application.
  • FIG. 8 is a diagram showing an example of a payment notification interface for updating a payment share in an application example of the present application
  • FIG. 9 is a diagram showing an example of a second modified payment parameter changing interface in the application example of the present application.
  • FIG. 10 is a diagram showing an example of a refund notification interface in an application example of the present application.
  • FIG. 11 is a hardware structural diagram of a device running an embodiment of the present application.
  • FIG. 12 is a logical structural diagram of an apparatus for implementing resource transfer applied to a start node in an embodiment of the present application
  • FIG. 13 is a logical structural diagram of an apparatus for implementing resource transfer applied to a start node in an embodiment of the present application
  • FIG. 14 is a logical structural diagram of an apparatus for implementing payment and payment applied to a payee terminal or a payment server in the embodiment of the present application;
  • FIG. 15 is a logical structural diagram of an apparatus for implementing payment and payment on a payer terminal in the embodiment of the present application.
  • a resource flows from one to more starting nodes to a target node.
  • the target node determines the transfer shares of each starting node according to the total resource transfer degree of the transaction, and then sends resource transfer to each starting node respectively.
  • the notification carries the transfer share of the starting node that needs to be transferred to the target node in the resource transfer notification.
  • the originating node transfers its own resources to the target node according to the transfer shares in the resource transfer notification.
  • Embodiment 1 of the present application proposes a resource transfer implementation method for the foregoing transaction, which can automatically correct the result of the resource transfer to match the change by changing the transfer parameter on the target node during the transaction process and after the transaction is completed.
  • the subsequent transfer parameters can avoid manual calculation and operation process when applied to the payment, so as to solve the problems in the prior art.
  • the starting node and the target node can access each other through the network.
  • the starting node and the target node can be any computing and storage capable device, such as a mobile phone, a tablet, a PC (Personal Computer), a notebook, a server, etc., and can also be operated by two or more devices.
  • the logical node is used to implement various functions of the starting node or the target node in the embodiment of the present application.
  • the process of applying the resource transfer method to the target node is shown in FIG. 1
  • the process applied to the start node is as shown in FIG. 2 .
  • step 110 receives a change to the transfer parameters.
  • the resource transfer can be performed between the target node and the starting node according to the initial transfer parameters.
  • the transfer parameters on the target node can be changed during or after the transaction, that is, during the resource transfer or after the resource transfer is completed. Changes to the transfer parameters can be made manually or automatically by other nodes in the network with administrative privileges, without limitation.
  • the transfer parameters can typically include the total amount of resource transfer, the number of starting nodes, each starting node, and so on.
  • step 120 according to the changed transfer parameter and the transition state of the start node, performing at least one of the following actions: notifying at least one start node of the resource share to be transferred, and returning to the at least one start node Or all transferred resources.
  • the target node determines the transfer share of each start node according to the initial transfer parameters, and notifies each start node to transfer the resources.
  • the transfer status of the start node includes two types: the transferred resource (the transfer share has been completed according to the initial transfer parameter), Or no resources have been transferred (no resource transfer has been made).
  • the target node After receiving the changed transfer parameters, the target node determines the transfer share of each start node after the change according to the changed transfer parameter. According to the transfer status of each start node, the transferred resource exceeds the changed share.
  • the starting node returns part of the excess transfer resource (the difference between the change node and the transfer node's transfer share before the change), notifying the transferred resource that the transferred start node needs to continue to transfer the share after the change (before and after the change) The difference between the starting node transfer shares), notifying the starting node of the untransferred resource its transfer share (the transfer share determined by the changed transfer parameter).
  • the transfer parameters that are available for change include one or more of adding a starting node, deleting a starting node, and changing a total amount of resource transfer.
  • the target node determines the current start node, or the current start node, and the deleted previous start node according to the change to the start node. Specifically, if the original starting node is not deleted, the current starting node is determined; if the original starting node is deleted, the current starting node and the deleted previous starting node are determined.
  • the target node determines the changed transfer share of each starting node (that is, the current starting node) according to the changed total resource transfer amount.
  • the target node For the starting node of each transferred resource, when the changed transfer share is smaller than the transfer share before the change, the target node returns the multi-transfer share to the start node; when the changed transfer share is greater than the transfer share before the change At this time, the target node notifies the starting node of the share to continue to transfer.
  • the target node For each start node of the untransferred resource, when the changed transfer share is different from the transfer share before the change, or the start node is a new start node, the start node is notified according to the changed transfer share. The share to be transferred. For the previous starting node, if the resource has been transferred, the target node returns the transferred share to the previous starting node, otherwise the target node notifies the former starting node that no resource transfer is required.
  • the target node may send a notification of the resource return to the originating node, and notify the originating node of the status that the resource has been returned.
  • step 210 receiving a resource return notification or a resource transfer notification.
  • the start node in the transferred resource state receives the resource return notification from the target node.
  • the resource return notification includes the amount of the return, and may also include the reason for the resource return (such as the change of the transfer parameter).
  • the start node in the transferred resource state receives the resource transfer notification from the target node, and the resource transfer notification includes the share that the start node needs to continue to transfer.
  • the originating node in the untransferred resource state receives a resource transfer notification from the target node, including the share that the starting node needs to transfer.
  • Resource transfer notifications can also include reasons for changes in resource transfers.
  • the required transfer share of each starting node, the share to be transferred or the returned share is determined by the target node based on the change of the transfer parameter and the transfer state of the start node.
  • step 220 the resource is transferred to the target node according to the resource transfer notification.
  • the resource is transferred to the target node according to the share to be transferred in the resource transfer notification or the share to be transferred.
  • the starting node can perform resource transfer after being confirmed by the user, or can automatically perform resource transfer without limitation.
  • the target node can automatically follow the transfer state of each start node by using the transfer parameter on the target node.
  • the resource transfer situation between the starting nodes is corrected to match the updated transfer parameters.
  • the second embodiment of the present application proposes a new payment and payment implementation method.
  • the payment user can change the payment parameter, and according to the changed payment parameter and whether each payer pays
  • the current status automatically initiates a payment notification to the payer or refunds to the payer, so that the changed payment result matches the changed payment parameter, thereby avoiding the payment user having the original payment parameter error.
  • the results of the current technology need to be calculated and manually corrected to reduce the user's operation and improve the efficiency of error correction, thereby solving the problems in the prior art.
  • the terminal of the payment user and the payment server, the terminal of the payment user, and the payment server can access each other through the network.
  • the terminal of the payment user or the terminal of the payment user may be a mobile phone, a tablet computer, a PC, a notebook, etc.;
  • the payment server may be a physical or logical server, or may be a physics that is divided into two or more different responsibilities.
  • the logical server cooperates with each other to implement various functions of the server in the second embodiment of the present application.
  • the payment user and the payment user have their own accounts in the payment system operated by the payment server, and the terminal of the payment user and the terminal of the payment user log in to the payment system with their respective accounts, and collect the money through their accounts.
  • Pay the account of the paying user is the payee
  • the account of the paying user is the payer.
  • the payment system provides the payment user with the function of modifying the payment parameter of the payment.
  • the paying party of the payment operation may be one or two or more; the receiving operation may be in progress (ie, the receiving user has initiated the payment operation, but has not received payment from all the paying parties) ), or it may have been completed (that is, payment has been received from all payers); no restrictions.
  • the payment system can provide the function of modifying the payment parameter in the client installed on the receiving user terminal, and can also provide the function on the access page of the payment system of the payment user terminal, which is also not limited.
  • the method for implementing the payment and payment operation on the payee terminal or the payment server is as shown in FIG. 3, and the flow running on the payer terminal is as shown in FIG. 4 .
  • step 310 receiving a change to the payment parameters.
  • the payee has initiated the collection operation, and the payment received is initiated by the at least one payer in the collection direction.
  • the collection operation has a determined receipt parameter.
  • the payment parameters usually include the total amount of payments, the number of payers, each payer, and so on.
  • the payment user changes the payment parameter of the initiated payment operation through the client installed on the terminal (ie, the payee terminal).
  • both the client and the payment server can save all the payment parameters of the initiated payment operation, and the changed payment can be adopted by the client or the payment server according to the needs of the actual application scenario.
  • the parameter corrects the current execution result of this collection operation.
  • the method runs on the payee terminal, and the receiving user gives a change instruction to the payment parameter on the client of the terminal, and the payee terminal obtains the change instruction. Changed payment parameters.
  • the method runs on the payment server, and the payment user gives a change instruction to the payment parameter at the client, and the payee terminal obtains the changed payment parameter from the change instruction.
  • the package is sent to the payment server in the payment parameter change request.
  • the payee terminal accesses the payment server in a web (World Wide Web) manner to perform modification of the payment parameter.
  • the method runs on the payment server, and the payment user changes the payment parameter on the terminal, and after the payment user confirms, the payment terminal terminal encapsulates the changed payment parameter in the payment.
  • the parameter change request is sent to the payment server.
  • the payee terminal or the payment server may also adopt other methods to obtain the change of the payment parameter by the receiving user, and will not be described again.
  • step 320 at the payee terminal or the payment server, perform at least one of the following actions: notifying at least one payer of the share to be paid, to at least one payer Refund.
  • the payment server After the receiving user initiates the payment operation, the payment server will initiate a payment notification to the payer according to the current payment parameter, and inform the payer of the share that needs to be paid to the payee.
  • the payment user may have paid the recipient's pre-change share in accordance with the previous payment notification, or may not have paid.
  • the paying party that has already paid may need to pay the difference, return the difference, or return all the paid shares; for the unpaid payer, it may be necessary to change the share to be paid. Therefore, the payee terminal or the payment server running the method determines whether the payee is paid or paid, and the share of the payment is determined according to whether the current payment party has paid the payment status and the changed payment parameter. .
  • the payee user can modify one or more payment parameters.
  • the following is an example of how to modify the different payment parameters.
  • the payee user specifies the total amount in the collection operation, and the payee terminal or payment server distributes the total amount to all payers according to a predetermined allocation algorithm.
  • the payee terminal or payment server applies the changed total amount to the predetermined allocation algorithm, and obtains the changed share of each payer; the payment status is paid for each payment.
  • Party if the changed share is less than the pre-change share, return the overpaid share, if the changed share is greater than the pre-change share, notify the paid payer to pay the share, if the changed share and change The former share is unconformed; for each payer whose payment status is unpaid, the share of the unpaid payer is notified according to the changed share.
  • the payee user added one or more payers when changing the payment parameters.
  • the payer terminal or payment server determines the current payer and the changed share of each payer according to the change to the payer, the current payer is the original payer (the payer before the change) and the new payer added Aggregates, an increase in the payer will result in a decrease in the share paid by one or more original payers (as determined by how the total amount is allocated). Therefore, the payer terminal or the payment server returns the overpaid share when the changed share is less than the pre-change share for each paying party whose payment status is paid; for each original payment party whose payment status is unpaid, If the share to be paid is reduced, the unpaid payer will be notified according to the changed share. If there is no change in the share to be paid, the notice can be notified without notice; for the new payer (the payment status is unpaid), follow the change. The subsequent share informs the share it needs to pay.
  • the payee user deletes one or more payers when changing the payment parameters.
  • the payer terminal or the payment server determines the current payer, the deleted former payer, and the changed share of each payer (ie, the current payer) according to the change to the payer, and the current payer is not deleted.
  • the payer, the former payer is the deleted payer, and the decrease of the payer will result in an increase in the share paid by one or more payers.
  • the payer terminal or the payment server informs the payer that the payment status is paid for each payment status, and informs the payer of the share when the changed share is greater than the pre-change share; for each payment status, the unpaid payer When the changed share is greater than the pre-change share, the share of the unpaid payer is notified according to the changed share; for each former payer, if the payment status is paid, all paid shares are returned. Otherwise, the former payer is notified that there is no need to pay.
  • the payee user changes the total amount of payments, the number of payers, and one or more parameters in the payer when changing the payment parameters.
  • the payer terminal or payment server determines the current payer (if the payer is not deleted), or determines the current payer and the deleted former payer, in accordance with changes to the payer (including changes to the number of payers and payers) (If the payer is deleted), the current payer includes the unpaid payer and the new payer, and the former payer is the deleted payer.
  • the payer terminal or payment server determines the changed share of each payer based on the total amount of the change.
  • the overpaid share will be returned, and if the changed share is greater than the pre-change share, the payer will be notified of the share to be paid;
  • the changed share is notified according to the changed share; for the former payer, If the payment has been made, the paid share is returned, otherwise the former payer is notified that there is no need to pay.
  • the payee has to refund the payment party through the payment server.
  • the payee terminal determines at least one of the payment party needs to pay the share, the share to be paid after the update, and/or does not need to pay according to the changed payment parameter and the payment state of the payer.
  • the payment party shall pay a share, and/or request the payment server to refund the at least one payer; in particular, the payee terminal submits the payer, the content that needs to inform the payer to the payment server, and the payment server to the payer
  • the terminal sends a notification message with the above content, such as a refund notice, an updated receipt notification, and the like.
  • the payment server can directly perform the steps of refunding the payment to the payer and notifying the payer.
  • step 410 receiving a refund notice or an updated payment notice, wherein the updated payment notice includes an updated share of the payment, and the refund notice includes some or all of the paid share returned;
  • the share to be paid or the share to be returned is determined based on the change in the payment parameters of the payment received and the payment status of the payer.
  • the payer terminal typically receives a refund notification or a payment notification from the payment server.
  • the payment server completes the refund from the payment party to the payer (which may be part of the paid share, or may be the total paid share)
  • the refund amount and the refunder inform the payer in the refund notice.
  • the notice can also carry information such as the reason for the refund.
  • the payment server sends a payment notification with the updated share of the payment to the payer terminal. If the payer's payment status is paid and the changed share is greater than the pre-change share, the payment server sends a payment notification with the pay-as-you-go share to the payer terminal. Similarly, the payment notification can also carry information such as changes in the share to be paid, or reasons for the need to pay the share.
  • step 420 the payment is made to the payee according to the received payment notification.
  • the payer terminal displays the refund notice or payment notice received to the paying user.
  • the payment user can make a payment to the payee for the payment notification.
  • the payment request is initiated to the payment server according to the payment notification, and the payment server performs the payment to the payee according to the share in the payment notification.
  • the payment operation that has been submitted provides the function of modifying the payment parameter for the user, and the payment parameter can be changed by the payment user, according to the changed payment parameter and each payment party.
  • the payment status automatically initiates a payment notification to the payer or refunds to the payer, so that the receiving user does not have to calculate and manually correct the current collection result when the receipt parameter input error occurs, thereby improving the efficiency of error correction. , to improve the user's convenience.
  • the client of the third-party payment platform provides the user with an entry for changing the payment parameter in the AA collection function, and can automatically correct the current receipt according to the user's changed payment parameter. As a result, the AA collection is completed.
  • the receiving user can modify the total amount, the number of payers and/or the payer.
  • the receiving user reduces the number of recipients to 6, and deletes one payee.
  • the client interface after changing the payment parameters is shown in Figure 6.
  • the payee terminal determines the current payee (6 digits not deleted) and the previous payee (1 digit deleted) according to the new payment parameters, and determines the current share of each current payee is 23.66. yuan.
  • the payee terminal For the payer whose payment status is paid in this AA order, the payee terminal sends a payment notification to the payer terminal through the payment server of the third-party payment platform, informing the payment user that the difference of 3.37 yuan is required to be paid. After the payment party terminal receives the payment notification, it is displayed to the payment user. A client interface is shown in FIG. 7. On this interface, the payment user can pay 3.37 yuan to the payee through the payment server by clicking "Subsequent Spread 3.37".
  • the payee terminal For the payer whose payment status is unpaid in the order of this AA, the payee terminal sends a payment notification to the payer terminal through the payment server, and informs the paying user that the share to be paid is 23.66 yuan. After the payment party terminal receives the payment notification, it is displayed to the payment user. A client interface is shown in FIG. 8. On this interface, the payment user can pay the payee $23.66 through the payment server by clicking on "Payment 23.66".
  • the payee terminal For the deleted former payer, if the payer has paid, the payee terminal requests the payment server to return the entire paid share to the former payer, and sends a refund notice to the former payer terminal through the payment server. The former payer terminal displays the reason for the refund notice and the refund amount to the former paying user. If the payer has not paid, the payee terminal sends a notification to the former payer terminal through the payment server, informing the former paying user that the payment of the AA order is not required.
  • the receiving user increases the number of recipients to 8, and adds one payee.
  • the client interface after changing the payment parameters is shown in Figure 9.
  • the payee terminal determines that the current payer is the original 7-bit plus new one according to the new payment parameters, and determines that each payer's share is 17.75 yuan.
  • the payee terminal For each payer whose payment status is paid in this AA order, the payee terminal requests the payment server to return 2.54 yuan to the payer, and sends a refund notice to the payer terminal through the payment server of the third-party payment platform, to inform the The payment user has returned a difference of $2.54. After the payment party terminal receives the refund notification, it is displayed to the payment user.
  • a client interface is shown in FIG.
  • the payee terminal For each payer (including the newly added payer) whose payment status is unpaid in this AA order, the payee terminal sends a payment notification to the payer terminal through the payment server, informing the paying user that the share to be paid is 17.75 yuan. .
  • the embodiment of the present application further provides an apparatus for implementing resource transfer applied to a target node, an apparatus for implementing resource transfer applied to the originating node, and an application to the payee.
  • All of the above four devices can be implemented by software, or can be implemented by hardware or a combination of hardware and software.
  • the CPU Central Process Unit
  • the device in which the above device is located usually includes other hardware such as a chip for transmitting and receiving wireless signals, and/or is implemented. Other hardware such as boards for network communication functions.
  • the device 12 is a device for implementing resource transfer according to an embodiment of the present application, which is applied to a target node of resource transfer, where the device includes a transfer parameter receiving unit and a resource transfer change unit, where: a transfer parameter receiving unit is used for Receiving a change to the transfer parameter; the resource transfer change unit is configured to perform at least one of the following actions according to the changed transfer parameter and the transfer status of the start node: notifying at least one start node of the resource share to be transferred, to at least one The originating node returns some or all of the transferred resources.
  • the change to the transfer parameter includes one or more of the following: adding a start node, deleting a start node, and changing a resource transfer total degree; the resource transfer change unit is specifically configured to: follow the start node The change determines the current starting node, or the current starting node and the deleted previous starting node, and determines the changed transfer share of each starting node according to the changed total resource transfer amount; for each transferred resource The starting node, when the changed transfer share is less than the transfer share before the change, the multi-transition share is returned, and when the changed transfer share is greater than the transfer share before the change, the start node of the transferred resource needs to continue to transfer.
  • the transfer share notifies the starting node of the untransferred resource that the transfer node needs to transfer; the device further includes: a front start node change unit, configured to use the previous start node If the resource has been transferred, the transferred share is returned, otherwise the former starting node is notified that no resource transfer is required.
  • FIG. 13 is a schematic diagram of an apparatus for implementing resource transfer according to an embodiment of the present application, where the apparatus is applied to a start node of a resource transfer, where the apparatus includes a return or transfer notification receiving unit, and a resource transfer execution unit, where:
  • the transfer notification receiving unit is configured to receive a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated required transfer share or a share to be transferred, and the resource return notification includes some or all of the transferred resources that are returned Share; the share to be transferred, the share to be transferred or the share to be returned is determined according to the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
  • the resource transfer execution unit is configured to transfer the resource to the target node of the resource transfer according to the resource transfer notification.
  • FIG. 14 is a schematic diagram of an apparatus for implementing payment and payment according to an embodiment of the present invention, comprising: a payment receiving unit and a payment and receiving unit, wherein: the receiving parameter receiving unit is configured to receive a change to a payment parameter; The change unit is configured to perform at least one of the following actions according to the changed payment parameter and the payment status of the payer: notifying at least one payer of the share to be paid, and refunding the at least one payer.
  • the change to the payment parameter includes: changing the total amount of the payment, the total amount of the payment is allocated to each payer according to a predetermined allocation algorithm; and the payment and payment changing unit is specifically configured to: adopt the total amount of the changed amount according to The predetermined allocation algorithm determines the changed share of each payer; for each paid payer, when the changed share is less than the pre-change share, the overpaid share is returned, when the changed share is greater than the pre-change At the time of the share, the share of the paid payer is required to be paid; for each unpaid payer, the share of the unpaid payer is notified according to the changed share.
  • the change to the payment parameter includes: adding a payer; the payment change unit is specifically configured to: determine, according to the change to the payer, the current payer and the changed share of each payer; Each paid payer returns the overpaid share when the changed share is less than the pre-change share; for the at least one unpaid payer, the unpaid payer is required to pay according to the changed share notice Share.
  • the change to the payment parameter includes: deleting the payment party; the payment and payment modification unit is specifically configured to: determine the current payer, the deleted former payer, and each according to the change to the payer The changed share of the payer; for each paid payer, when the changed share is greater than the pre-change share, the share of the paid payer is required to be paid; for each unpaid payer, When the changed share is greater than the pre-change share, the unpaid payer is required to pay the share according to the changed share; the device further includes: a pre-payer change unit for the former payer, if The payment is returned to the paid share, otherwise the former payer is not required to pay.
  • the change to the payment parameter includes one or more of the following: adding a payer, deleting a payer, and changing a total amount;
  • the payment change unit is specifically configured to: determine the current change according to the payment party The payer, or the current payer and the deleted former payer, determine the changed share of each payer according to the total amount of the change; for each paid payer, when the changed share is less than the change The share is returned to the overpaid share, and when the changed share is greater than the pre-change share, the paid payer is required to pay the share; for each unpaid payer, when the changed share is changed If the former share is different, or the unpaid payer is a new payer, the share of the unpaid payer is notified according to the changed share; the device further includes: a pre-payer change unit, Used for the former payer, if the payment has been made, the paid share is returned, otherwise the former payer is notified that there is no need to pay.
  • the device is applied to the payee terminal; the payment parameter receiving unit is specifically configured to: receive a change instruction of the user to the payment parameter; and the payment and payment change unit is specifically configured to: follow the changed
  • the payment parameter and the payment status of the payer perform at least one of the following actions: notifying the at least one payer of the share by the payment server, requesting the payment server to refund the at least one payer.
  • the device is applied to a payment server; and the payment parameter receiving unit is specifically configured to: receive a payment parameter change request from the payee terminal.
  • FIG. 15 is a schematic diagram of an apparatus for implementing payment and payment according to an embodiment of the present application, which is applied to a payer terminal, where the apparatus includes a refund notification receiving unit and a payment payment unit, wherein: a refund notification receiving unit For receiving a refund notice or a payment notice, the payment notice includes an updated share of the payment or a share to be paid, and the refund notice includes a part or all of the paid share returned; the payment is required The share, the share to be replenished or the returned share is determined according to the change of the payment parameter of the received payment and the payment status of the payer; the payment payment unit is used to receive the payment notification according to the user's instruction. The payment is made by the party.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory.
  • RAM random access memory
  • ROM read only memory
  • Memory is an example of a computer readable medium.
  • Computer readable media includes both permanent and non-persistent, removable and non-removable media.
  • Information storage can be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device.
  • computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.
  • embodiments of the present application can be provided as a method, system, or computer program product.
  • the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment in combination of software and hardware.
  • the application can 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, etc.) including computer usable program code.

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Abstract

The present application provides a resource transfer realization method, applicable to a target node of resource transfer. The method comprises: receiving a change of transfer parameters; and executing, according to the changed transfer parameters and transfer states of start nodes of the resource transfer, at least one of the following actions: notifying at least one start node of a resource share needed to be transferred, and returning a part or all of transferred resources to the at least one starting node. According to the technical solution of the present application, transfer parameters can be changed on a target node of resource transfer; and the target node changes resource transfer conditions among the start nodes to be matched with updated transfer parameters automatically according to the transfer states of the start nodes, without manual intervention, so that error correction efficiency can be improved during collection and payment, and the convenience of a user is improved.

Description

资源转移的实现方法和装置、收付款的实现方法和装置Method and device for realizing resource transfer, method and device for realizing payment and payment 技术领域Technical field
本申请涉及网络通信技术领域,尤其涉及一种资源转移的实现方法和装置、以及一种收付款的实现方法和装置。The present application relates to the field of network communication technologies, and in particular, to a method and an apparatus for implementing resource transfer, and a method and an apparatus for implementing payment.
背景技术Background technique
在很多网上银行和网络支付平台上,AA收款作为一种常见的功能被用户广泛使用。收款用户在网上银行或网络支付平台的客户端上以其账户为收款方,指定一个到多个付款用户的账户为付款方,并输入收款总额后,启动AA收款功能。收款用户的客户端计算出每个付款方需要支付的份额,通过网上银行或网上支付平台的支付服务器向每个付款方发起收款通知,付款用户可以在其客户端上根据收款通知向收款方付款。On many online banking and online payment platforms, AA collections are widely used by users as a common feature. The paying user uses the account as the payee on the client of the online banking or online payment platform, assigns the account of one to multiple payment users as the payer, and inputs the total amount of the payment, and then starts the AA collection function. The client of the payee user calculates the share that each payer needs to pay, and initiates a payment notification to each payer through the payment server of the online banking or online payment platform, and the payment user can make a payment notification on the client according to the payment notification. Payment by the payee.
在操作中,收款用户可能会发生输错收款总额、多指定或少指定付款方等等错误。现有技术中,收款用户在发生上述错误后,需要自行改正,例如少指定了付款方的情形,收款用户需要向新加的付款方单独发起一笔收款,还得把向原有付款方多收的份额逐个退回。这样一旦因种种原因发生错误,收款用户通常需要经过繁琐的计算和复杂的操作才能纠正,造成了用户的不便。In the operation, the receiving user may have errors such as the total amount of the wrong receipt, the specified or less specified payment party, and the like. In the prior art, after the above-mentioned error occurs, the paying user needs to correct it by himself. For example, if the payer is less specified, the paying user needs to separately initiate a payment to the newly added payer, and has to pay the original payment. The over-received shares are returned one by one. In this way, once an error occurs for various reasons, the user of the payment usually needs to undergo complicated calculations and complicated operations to correct it, which causes inconvenience to the user.
发明内容Summary of the invention
有鉴于此,本申请提供一种资源转移的实现方法,应用在资源转移的目标节点上,所述方法包括:In view of this, the present application provides a method for implementing resource transfer, which is applied to a target node of resource transfer, and the method includes:
接收对转移参数的更改;Receive changes to the transfer parameters;
按照更改后的转移参数和资源转移的起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源。Performing at least one of the following actions according to the changed transfer parameter and the transfer state of the start node of the resource transfer: notifying at least one start node of the resource share to be transferred, returning to the at least one start node, part or all of the transferred Resources.
本申请提供的一种资源转移的实现方法,应用在资源转移的起始节点上,所述方法包括:The method for implementing resource transfer provided by the application is applied to a starting node of resource transfer, and the method includes:
接收资源退回通知或资源转移通知,所述资源转移通知中包括更新的需转移份额或需继续转移的份额,所述资源退回通知中包括退回的部分或全部已转移的资源份额;所述需转移份额、需继续转移的份额或退回的份额根据对所转移资源的转移参数的更改和本起始节点的转移状态确定;Receiving a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated share to be transferred or a share to be transferred, and the resource return notification includes part or all of the transferred resource shares that are returned; The share, the share to be transferred or the returned share is determined based on the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
按照所述资源转移通知向资源转移的目标节点转移资源。The resource is transferred to the target node of the resource transfer according to the resource transfer notification.
本申请还提供了一种资源转移的实现装置,应用在资源转移的目标节点上,所述装置包括:The application also provides an apparatus for implementing resource transfer, which is applied to a target node of resource transfer, and the apparatus includes:
转移参数接收单元,用于接收对转移参数的更改;a transfer parameter receiving unit, configured to receive a change to the transfer parameter;
资源转移更改单元,用于按照更改后的转移参数和起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源。a resource transfer change unit, configured to perform at least one of the following actions according to the changed transfer parameter and the transfer state of the start node: notifying the at least one start node of the resource share to be transferred, returning the portion to the at least one start node, or All transferred resources.
本申请提供的一种资源转移的实现装置,应用在资源转移的起始节点上,所述装置包括:An apparatus for implementing resource transfer provided by the present application is applied to a start node of resource transfer, and the apparatus includes:
退回或转移通知接收单元,用于接收资源退回通知或资源转移通知,所述资源转移通知中包括更新的需转移份额或需继续转移的份额,所述资源退回通知中包括退回的部分或全部已转移的资源份额;所述需转移份额、需继续转移的份额或退回的份额根据对所转移资源的转移参数的更改和本起始节点的转移状态确定;a return or transfer notification receiving unit, configured to receive a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated required transfer share or a share to be transferred, and the resource return notification includes part or all of the returned The transferred resource share; the share to be transferred, the share to be transferred or the returned share is determined according to the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
资源转移执行单元,用于按照所述资源转移通知向资源转移的目标节点转移资源。And a resource transfer execution unit, configured to transfer resources to the target node of the resource transfer according to the resource transfer notification.
本申请提供了一种收付款的实现方法,包括:The application provides a method for implementing payment and collection, including:
接收对收款参数的更改;Receive changes to the payment parameters;
按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款。At least one of the following actions is performed in accordance with the changed payment parameters and the payment status of the payer: notifying at least one payer of the share to be paid, and refunding the at least one payer.
本申请提供的一种收付款的实现方法,应用在付款方终端上,所述方法 包括:The method for implementing payment and payment provided by the application is applied to a payer terminal, and the method includes:
接收退款通知或收款通知,所述收款通知中包括更新的需支付份额或需补缴的份额,所述退款通知中包括退回的部分或全部已支付份额;所述需支付份额、需补缴的份额或退回的份额根据对所收款款项的付款参数的更改和本付款方的付款状态确定;Receiving a refund notice or a payment notice, the payment notice includes an updated share to be paid or a share to be paid, the refund notice includes part or all of the paid share returned; the share to be paid, The share to be replenished or the share to be refunded is determined based on the change in the payment parameters of the payment received and the payment status of the payer;
根据用户的指令,按照所述收款通知向收款方进行支付。According to the user's instruction, the payment is made to the payee according to the payment notification.
本申请还提供了一种收付款的实现装置,包括:The application also provides an implementation device for receiving payment, comprising:
收款参数接收单元,用于接收对收款参数的更改;a payment parameter receiving unit, configured to receive a change to the payment parameter;
收付款更改单元,用于按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款。The payment and payment change unit is configured to perform at least one of the following actions according to the changed payment parameter and the payment state of the payer: notifying the at least one payer of the share to be paid, and refunding the at least one payer.
本申请提供的一种收付款的实现装置,应用在付款方终端上,所述装置包括:The device for implementing payment and payment provided by the application is applied to a payer terminal, and the device includes:
收退款通知接收单元,用于接收退款通知或收款通知,所述收款通知中包括更新的需支付份额或需补缴的份额,所述退款通知中包括退回的部分或全部已支付份额;所述需支付份额、需补缴的份额或退回的份额根据对所收款款项的付款参数的更改和本付款方的付款状态确定;The refund notification receiving unit is configured to receive a refund notice or a payment notice, where the payment notice includes an updated share to be paid or a share to be paid, and the refund notice includes some or all of the returned The share of payment; the share to be paid, the share to be paid or the share to be returned is determined based on the change in the payment parameters of the received payment and the payment status of the payer;
收款支付单元,用于根据用户的指令,按照所述收款通知向收款方进行支付。The payment payment unit is configured to perform payment to the payee according to the payment notification according to the user's instruction.
由以上技术方案可见,本申请资源转移的实现方法和装置的实施例中,可以在资源转移的目标节点上更改转移参数,由目标节点自动按照每个起始节点的转移状态,将与每个起始节点之间的资源转移情况更正为与更新后的转移参数相匹配,而无需人工干预,在应用于收付款时能够提高错误纠正的效率,提升用户的便利程度。It can be seen from the above technical solution that in the embodiment of the resource transfer implementation method and apparatus of the present application, the transfer parameter can be changed on the target node of the resource transfer, and the target node automatically follows the transfer state of each start node, and each The resource transfer situation between the starting nodes is corrected to match the updated transfer parameters without manual intervention, which can improve the efficiency of error correction and improve the user's convenience when applied to the payment.
本申请收付款实现方法和装置的实施例中,为收款用户提供修改收款参数的功能,依据更改后的收款参数和各个付款方的付款状态,自动执行以下 动作中的一个或两个:向还需付款的收款方发起收款通知、向多收了份额的已支付的付款方进行退款,使得收款用户在发生收款参数输入错误时,无需自行计算和对若干个收款方分别进行更正,提高了错误纠正的效率,提升了用户的便利程度。In the embodiment of the method and device for implementing payment collection and payment, the payment user is provided with the function of modifying the payment parameter, and one or two of the following actions are automatically performed according to the changed payment parameter and the payment status of each payer. : Initiating a payment notification to the payee who still needs to pay, and refunding the paid payer to the overpaid share, so that the receiving user does not need to calculate and count several receipts when the payment parameter input error occurs. The corrections were made separately, which improved the efficiency of error correction and improved the convenience of users.
附图说明DRAWINGS
图1是本申请实施例一中一种应用在目标节点上的资源转移的实现方法的流程图;1 is a flowchart of a method for implementing resource transfer applied to a target node in Embodiment 1 of the present application;
图2是本申请实施例一中一种应用在起始节点上的资源转移的实现方法的流程图;2 is a flowchart of a method for implementing resource transfer applied to a starting node in Embodiment 1 of the present application;
图3是本申请实施例二中一种应用在收款方终端或支付服务器上、收付款的实现方法的流程图;3 is a flowchart of a method for implementing payment and payment applied to a payee terminal or a payment server according to Embodiment 2 of the present application;
图4是本申请实施例二中一种应用在付款方终端上、收付款的实现方法的流程图;4 is a flowchart of a method for implementing payment and payment on a payer terminal according to Embodiment 2 of the present application;
图5是本申请应用示例中一种收款参数更改界面的示例图;5 is a diagram showing an example of a payment parameter change interface in an application example of the present application;
图6是本申请应用示例中第一种更改后收款参数更改界面的示例图;6 is a diagram showing an example of a first change receipt parameter change interface in an application example of the present application;
图7是本申请应用示例中一种补缴差价的收款通知界面的示例图;7 is a diagram showing an example of a payment notification interface of a payment difference in the application example of the present application;
图8是本申请应用示例中一种更新支付份额的收款通知界面的示例图;8 is a diagram showing an example of a payment notification interface for updating a payment share in an application example of the present application;
图9是本申请应用示例中第二种更改后收款参数更改界面的的示例图;9 is a diagram showing an example of a second modified payment parameter changing interface in the application example of the present application;
图10是本申请应用示例中一种退款通知界面的示例图;10 is a diagram showing an example of a refund notification interface in an application example of the present application;
图11是运行本申请实施例的设备的一种硬件结构图;11 is a hardware structural diagram of a device running an embodiment of the present application;
图12是本申请实施例中一种应用在起始节点上的资源转移的实现装置的逻辑结构图;12 is a logical structural diagram of an apparatus for implementing resource transfer applied to a start node in an embodiment of the present application;
图13是本申请实施例中一种应用在起始节点上的资源转移的实现装置的逻辑结构图;13 is a logical structural diagram of an apparatus for implementing resource transfer applied to a start node in an embodiment of the present application;
图14是本申请实施例中一种应用在收款方终端或支付服务器上、收付款的实现装置的逻辑结构图;14 is a logical structural diagram of an apparatus for implementing payment and payment applied to a payee terminal or a payment server in the embodiment of the present application;
图15是本申请实施例中一种应用在付款方终端上、收付款的实现装置的逻辑结构图。FIG. 15 is a logical structural diagram of an apparatus for implementing payment and payment on a payer terminal in the embodiment of the present application.
具体实施方式detailed description
在通过网络进行的各种事务中,事务的进行常常伴随着资源在网络节点间的流动。在一种事务中,由资源由一个到多个起始节点流向一个目标节点,目标节点按照事务的资源转移总额度,确定各个起始节点的转移份额,然后分别向各个起始节点发送资源转移通知,在资源转移通知中携带有该起始节点需要转移给目标节点的转移份额。起始节点根据资源转移通知中的转移份额将自身的资源转移至目标节点。In various transactions through the network, transactions are often accompanied by the flow of resources between network nodes. In a transaction, a resource flows from one to more starting nodes to a target node. The target node determines the transfer shares of each starting node according to the total resource transfer degree of the transaction, and then sends resource transfer to each starting node respectively. The notification carries the transfer share of the starting node that needs to be transferred to the target node in the resource transfer notification. The originating node transfers its own resources to the target node according to the transfer shares in the resource transfer notification.
本申请的实施例一针对上述事务提出一种资源转移的实现方法,能够在事务的进行过程中和进行完毕后,在目标节点上通过更改转移参数,使得资源转移的结果自动更正为匹配于更改后的转移参数,在应用于收付款时能够避免人工计算和操作过程,以解决现有技术中存在的问题。Embodiment 1 of the present application proposes a resource transfer implementation method for the foregoing transaction, which can automatically correct the result of the resource transfer to match the change by changing the transfer parameter on the target node during the transaction process and after the transaction is completed. The subsequent transfer parameters can avoid manual calculation and operation process when applied to the payment, so as to solve the problems in the prior art.
本申请的实施例一中,起始节点和目标节点之间通过网络可以相互访问。起始节点和目标节点可以是任何具有计算和存储能力的设备,如手机、平板电脑、PC(Personal Computer,个人电脑)、笔记本、服务器等设备;还可以由运行在两个或两个以上设备的逻辑节点来实现本申请实施例中起始节点或目标节点的各项功能。In the first embodiment of the present application, the starting node and the target node can access each other through the network. The starting node and the target node can be any computing and storage capable device, such as a mobile phone, a tablet, a PC (Personal Computer), a notebook, a server, etc., and can also be operated by two or more devices. The logical node is used to implement various functions of the starting node or the target node in the embodiment of the present application.
本申请的实施例一中,资源转移的实现方法应用在目标节点上的流程如图1所示,应用在起始节点上的流程如图2所示。In the first embodiment of the present application, the process of applying the resource transfer method to the target node is shown in FIG. 1 , and the process applied to the start node is as shown in FIG. 2 .
在目标节点上,步骤110,接收对转移参数的更改。On the target node, step 110, receives a change to the transfer parameters.
在事务启动后,目标节点与起始节点之间即可按照初始的转移参数来进行资源的转移。在事务的进行过程中或事务结束后,即资源转移的过程中或资源转移完毕后,可以对目标节点上的转移参数进行更改。对转移参数的更改可以由人工进行,也可以由网络中其他具有管理权限的节点自动进行,不做限定。After the transaction is started, the resource transfer can be performed between the target node and the starting node according to the initial transfer parameters. The transfer parameters on the target node can be changed during or after the transaction, that is, during the resource transfer or after the resource transfer is completed. Changes to the transfer parameters can be made manually or automatically by other nodes in the network with administrative privileges, without limitation.
在涉及资源转移的事务中,转移参数通常可以包括资源转移总额度、起始节点数量、每个起始节点等等。In transactions involving resource transfers, the transfer parameters can typically include the total amount of resource transfer, the number of starting nodes, each starting node, and so on.
在目标节点上,步骤120,按照更改后的转移参数和起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源。On the target node, in step 120, according to the changed transfer parameter and the transition state of the start node, performing at least one of the following actions: notifying at least one start node of the resource share to be transferred, and returning to the at least one start node Or all transferred resources.
如前所述,在事务启动后,目标节点会按照初始的转移参数,确定每个起始节点的转移份额,并通知各个起始节点进行资源的转移。在目标节点收到对转移参数的更改时,事务已经在进行或者已经进行完毕,起始节点的转移状态包括两种:已转移资源(已经按照初始的转移参数确定的转移份额完成资源转移)、或者未转移资源(尚未进行资源转移)。As mentioned above, after the transaction is started, the target node determines the transfer share of each start node according to the initial transfer parameters, and notifies each start node to transfer the resources. When the target node receives the change of the transfer parameter, the transaction is already in progress or has been completed, and the transfer status of the start node includes two types: the transferred resource (the transfer share has been completed according to the initial transfer parameter), Or no resources have been transferred (no resource transfer has been made).
目标节点在收到更改后的转移参数后,按照更改后的转移参数确定每个起始节点更改后的转移份额,根据每个起始节点的转移状态,向已转移的资源超过更改后份额的起始节点退回超额转移的部分资源(更改前与更改后该起始节点转移份额的差额),通知已转移的资源不足更改后份额的起始节点需要继续转移的份额(更改前与更改后该起始节点转移份额的差额),通知未转移资源的起始节点其转移份额(按照更改后转移参数确定的转移份额)。After receiving the changed transfer parameters, the target node determines the transfer share of each start node after the change according to the changed transfer parameter. According to the transfer status of each start node, the transferred resource exceeds the changed share. The starting node returns part of the excess transfer resource (the difference between the change node and the transfer node's transfer share before the change), notifying the transferred resource that the transferred start node needs to continue to transfer the share after the change (before and after the change) The difference between the starting node transfer shares), notifying the starting node of the untransferred resource its transfer share (the transfer share determined by the changed transfer parameter).
在一种实现方式中,可供更改的转移参数包括增加起始节点、删除起始节点、更改资源转移总额度中的一个到多个。在收到对转移参数的更改后,目标节点按照对起始节点的更改确定当前的起始节点、或当前的起始节点和被删除的前起始节点。具体而言,如果没有删除原来的起始节点,则确定当前的起始节点;如果删除了原来的起始节点,则确定当前的起始节点和被删除的前起始节点。目标节点按照更改后的资源转移总额度确定每个起始节点(即当前的起始节点)更改后的转移份额。对每个已转移资源的起始节点,当更改后的转移份额小于更改前的转移份额时,目标节点将多转移的份额退回给起始节点;当更改后的转移份额大于更改前的转移份额时,目标节点通知该起始节点需继续转移的份额。对每个未转移资源的起始节点,当更改后的转移份额与更改前的转移份额不同、或者该起始节点为新增的起始节点时, 按照更改后的转移份额通知该起始节点需转移的份额。对前起始节点,如果已转移资源则目标节点向该前起始节点退回已转移的份额,否则目标节点通知该前起始节点无需进行资源转移。In one implementation, the transfer parameters that are available for change include one or more of adding a starting node, deleting a starting node, and changing a total amount of resource transfer. After receiving the change to the transfer parameter, the target node determines the current start node, or the current start node, and the deleted previous start node according to the change to the start node. Specifically, if the original starting node is not deleted, the current starting node is determined; if the original starting node is deleted, the current starting node and the deleted previous starting node are determined. The target node determines the changed transfer share of each starting node (that is, the current starting node) according to the changed total resource transfer amount. For the starting node of each transferred resource, when the changed transfer share is smaller than the transfer share before the change, the target node returns the multi-transfer share to the start node; when the changed transfer share is greater than the transfer share before the change At this time, the target node notifies the starting node of the share to continue to transfer. For each start node of the untransferred resource, when the changed transfer share is different from the transfer share before the change, or the start node is a new start node, the start node is notified according to the changed transfer share. The share to be transferred. For the previous starting node, if the resource has been transferred, the target node returns the transferred share to the previous starting node, otherwise the target node notifies the former starting node that no resource transfer is required.
在目标节点向起始节点退回已转移的部分或全部资源后,目标节点可以向起始节点发送资源退回的通知,将资源已退回的状态告知起始节点。After the target node returns some or all of the transferred resources to the originating node, the target node may send a notification of the resource return to the originating node, and notify the originating node of the status that the resource has been returned.
在起始节点上,步骤210,接收资源退回通知或资源转移通知。On the originating node, step 210, receiving a resource return notification or a resource transfer notification.
当更改后的转移份额少于更改前的转移份额时、或者当起始节点被删除成为前起始节点时,处于已转移资源状态的起始节点会从目标节点收到资源退回通知。资源退回通知中包括退回的额度,还可以包括导致资源退回的原因(如对转移参数的更改)等。When the changed transfer share is less than the transfer share before the change, or when the start node is deleted as the previous start node, the start node in the transferred resource state receives the resource return notification from the target node. The resource return notification includes the amount of the return, and may also include the reason for the resource return (such as the change of the transfer parameter).
当更改后的转移份额多于更改前的转移份额时,处于已转移资源状态的起始节点会从目标节点收到资源转移通知,资源转移通知中包括该起始节点需继续转移的份额。处于未转移资源状态的起始节点会从目标节点收到资源转移通知,其中包括该起始节点需转移的份额。资源转移通知中还可以包括导致资源转移发生变化的原因。When the changed transfer share is more than the transfer share before the change, the start node in the transferred resource state receives the resource transfer notification from the target node, and the resource transfer notification includes the share that the start node needs to continue to transfer. The originating node in the untransferred resource state receives a resource transfer notification from the target node, including the share that the starting node needs to transfer. Resource transfer notifications can also include reasons for changes in resource transfers.
如前所述,每个起始节点的需转移份额、需继续转移的份额或退回的份额,由目标节点根据对转移参数的更改和该起始节点的转移状态确定。As mentioned before, the required transfer share of each starting node, the share to be transferred or the returned share is determined by the target node based on the change of the transfer parameter and the transfer state of the start node.
在起始节点上,步骤220,按照资源转移通知向目标节点转移资源。On the originating node, in step 220, the resource is transferred to the target node according to the resource transfer notification.
当起始节点从目标节点收到资源转移通知后,按照该资源转移通知中需转移的份额、或需继续转移的份额,向目标节点转移资源。起始节点可以在经过用户确认后进行资源转移,也可以自动进行资源转移,不做限定。After the originating node receives the resource transfer notification from the target node, the resource is transferred to the target node according to the share to be transferred in the resource transfer notification or the share to be transferred. The starting node can perform resource transfer after being confirmed by the user, or can automatically perform resource transfer without limitation.
可见,本申请的实施例一中,在资源转移的进行过程中或进行完毕后,可以通过目标节点上的转移参数,由目标节点自动按照每个起始节点的转移状态,将与每个起始节点之间的资源转移情况更正为与更新后的转移参数相匹配,在应用于收付款时能够避免人工计算和操作过程,提高错误纠正的效率,提升用户的便利程度。It can be seen that, in the first embodiment of the present application, during the process of performing the resource transfer or after the completion of the resource transfer, the target node can automatically follow the transfer state of each start node by using the transfer parameter on the target node. The resource transfer situation between the starting nodes is corrected to match the updated transfer parameters. When applied to the payment, the manual calculation and operation process can be avoided, the efficiency of error correction is improved, and the user's convenience is improved.
本申请的实施例二提出一种新的收付款的实现方法,对已经提交的收款 操作,可以由收款用户更改收款参数,并且按照更改后的收款参数和每个付款人是否付款的当前状态,自动向付款方发起收款通知或向付款方退款,以使得更改后的支付结果匹配于更改后的收款参数,避免了收款用户在原始收款参数错误的情况下,需要自行计算和手动更正当前收款的结果,以减少用户的操作并提高错误纠正的效率,从而解决现有技术中存在的问题。The second embodiment of the present application proposes a new payment and payment implementation method. For the payment operation that has been submitted, the payment user can change the payment parameter, and according to the changed payment parameter and whether each payer pays The current status automatically initiates a payment notification to the payer or refunds to the payer, so that the changed payment result matches the changed payment parameter, thereby avoiding the payment user having the original payment parameter error. The results of the current technology need to be calculated and manually corrected to reduce the user's operation and improve the efficiency of error correction, thereby solving the problems in the prior art.
本申请的实施例二中,收款用户的终端与支付服务器、付款用户的终端与支付服务器通过网络可相互访问。其中,收款用户的终端或付款用户的终端可以是手机、平板电脑、PC、笔记本等设备;支付服务器可以是一个物理或逻辑服务器,也可以是由两个或两个以上分担不同职责的物理或逻辑服务器、相互协同来实现本申请实施例二中服务器的各项功能。In the second embodiment of the present application, the terminal of the payment user and the payment server, the terminal of the payment user, and the payment server can access each other through the network. The terminal of the payment user or the terminal of the payment user may be a mobile phone, a tablet computer, a PC, a notebook, etc.; the payment server may be a physical or logical server, or may be a physics that is divided into two or more different responsibilities. Or the logical server cooperates with each other to implement various functions of the server in the second embodiment of the present application.
收款用户与付款用户在支付服务器所运行的支付系统中具有各自的账户,收款用户的终端和付款用户的终端采用各自的账户登录到该支付系统中,并通过其账户来进行款项的收付,收款用户的账户为收款方,付款用户的账户为付款方。The payment user and the payment user have their own accounts in the payment system operated by the payment server, and the terminal of the payment user and the terminal of the payment user log in to the payment system with their respective accounts, and collect the money through their accounts. Pay, the account of the paying user is the payee, and the account of the paying user is the payer.
本申请的实施例二中,在收款用户启动一笔款项的收款操作后,支付系统向收款用户提供对该款项的收款参数进行修改的功能。该收款操作的付款方可以是一个,也可以是两个或两个以上;该收款操作可以是正在进行中(即收款用户已启动收款操作,但尚未收到全部付款方的付款),也可以是已经进行完毕(即已收到全部付款方的付款);不做限定。另外,支付系统可以在收款用户终端上安装的客户端中提供修改收款参数的功能,也可以在收款用户终端对支付系统的访问页面上提供该功能,同样不做限定。In the second embodiment of the present application, after the payment user initiates a payment operation of a payment, the payment system provides the payment user with the function of modifying the payment parameter of the payment. The paying party of the payment operation may be one or two or more; the receiving operation may be in progress (ie, the receiving user has initiated the payment operation, but has not received payment from all the paying parties) ), or it may have been completed (that is, payment has been received from all payers); no restrictions. In addition, the payment system can provide the function of modifying the payment parameter in the client installed on the receiving user terminal, and can also provide the function on the access page of the payment system of the payment user terminal, which is also not limited.
本申请的实施例二中,收付款的实现方法运行在收款方终端或支付服务器上流程如图3所示,运行在付款方终端上的流程如图4所示。In the second embodiment of the present application, the method for implementing the payment and payment operation on the payee terminal or the payment server is as shown in FIG. 3, and the flow running on the payer terminal is as shown in FIG. 4 .
在收款方终端或支付服务器上,步骤310,接收对收款参数的更改。At the payee terminal or payment server, step 310, receiving a change to the payment parameters.
本申请的实施例二中,收款方已经启动收款操作,所收付的款项由收款方向至少一个付款方发起。在发起时,该收款操作具有确定的收款参数。对收款操作,收款参数通常包括款项总额、付款人数、每个付款方等等。在发 起后,由于种种原因,收款用户需要对一个到多个收款参数进行更改。In the second embodiment of the present application, the payee has initiated the collection operation, and the payment received is initiated by the at least one payer in the collection direction. At the time of initiation, the collection operation has a determined receipt parameter. For collection operations, the payment parameters usually include the total amount of payments, the number of payers, each payer, and so on. After the launch, for a variety of reasons, the payee user needs to make changes to one or more collection parameters.
在本申请实施例二的第一种实现方式中,收款用户通过其终端(即收款方终端)上安装的客户端来对已启动收款操作的收款参数进行更改。这种实现方式中,客户端和支付服务器都可以保存已启动收款操作的所有收款参数,根据实际应用场景的需要,既可以由客户端、也可以由支付服务器来采用更改后的收款参数对本收款操作的当前执行结果进行更正。在由客户端进行更正的实现中,本方法运行在收款方终端上,由收款用户在其终端的客户端上给出对收款参数的更改指令,收款方终端从更改指令中得到更改后的收款参数。在由支付服务器进行更正的实现中,本方法运行在支付服务器上,由收款用户在客户端给出对收款参数的更改指令,收款方终端从更改指令中得到更改后的收款参数,封装在收款参数更改请求中发送给支付服务器。In the first implementation manner of the second embodiment of the present application, the payment user changes the payment parameter of the initiated payment operation through the client installed on the terminal (ie, the payee terminal). In this implementation manner, both the client and the payment server can save all the payment parameters of the initiated payment operation, and the changed payment can be adopted by the client or the payment server according to the needs of the actual application scenario. The parameter corrects the current execution result of this collection operation. In the implementation corrected by the client, the method runs on the payee terminal, and the receiving user gives a change instruction to the payment parameter on the client of the terminal, and the payee terminal obtains the change instruction. Changed payment parameters. In the implementation corrected by the payment server, the method runs on the payment server, and the payment user gives a change instruction to the payment parameter at the client, and the payee terminal obtains the changed payment parameter from the change instruction. The package is sent to the payment server in the payment parameter change request.
在本申请实施例二的第二种实现方式中,收款方终端以web(万维网)方式访问支付服务器来进行收款参数的修改。这种实现方式中,本方法运行在支付服务器上,由收款用户在其终端上对收款参数进行更改,在收款用户确认后收款方终端将更改后的收款参数封装在收款参数更改请求中发送给支付服务器。In the second implementation manner of the second embodiment of the present application, the payee terminal accesses the payment server in a web (World Wide Web) manner to perform modification of the payment parameter. In this implementation manner, the method runs on the payment server, and the payment user changes the payment parameter on the terminal, and after the payment user confirms, the payment terminal terminal encapsulates the changed payment parameter in the payment. The parameter change request is sent to the payment server.
除上述两种实现方式外,收款方终端或支付服务器也可以采用其他方式得到收款用户对收款参数的更改,不再赘述。In addition to the above two implementation manners, the payee terminal or the payment server may also adopt other methods to obtain the change of the payment parameter by the receiving user, and will not be described again.
在收款方终端或支付服务器上,步骤320,按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款。At the payee terminal or the payment server, step 320, according to the changed payment parameter and the payment status of the payer, perform at least one of the following actions: notifying at least one payer of the share to be paid, to at least one payer Refund.
在收款用户启动收款操作后,支付服务器会按照当时的收款参数向付款方发起收款通知,告知付款方需要向收款方支付的份额。在收款用户更改收款参数时,付款用户可能已经按照之前的收款通知向收款方支付了更改前的份额,也可能尚未支付。在收款参数更改后,对已经支付的付款方,可能需要补缴差额、退回差额、或退回全部已支付的份额;对尚未支付的付款方,可能需要更改要支付的份额。因此,运行本方法的收款方终端或支付服务器 要按照当前各个付款方是否已支付的付款状态、以及更改后的付款参数来确定对每个付款方是收款还是付款、以及收付款的份额。After the receiving user initiates the payment operation, the payment server will initiate a payment notification to the payer according to the current payment parameter, and inform the payer of the share that needs to be paid to the payee. When the receiving user changes the payment parameters, the payment user may have paid the recipient's pre-change share in accordance with the previous payment notification, or may not have paid. After the payment parameters have been changed, the paying party that has already paid may need to pay the difference, return the difference, or return all the paid shares; for the unpaid payer, it may be necessary to change the share to be paid. Therefore, the payee terminal or the payment server running the method determines whether the payee is paid or paid, and the share of the payment is determined according to whether the current payment party has paid the payment status and the changed payment parameter. .
本申请的实施例二中,收款用户可以对一个到多个收款参数进行修改。以下举例说明对不同的收款参数进行修改后的处理方法。In the second embodiment of the present application, the payee user can modify one or more payment parameters. The following is an example of how to modify the different payment parameters.
在第一个例子中,收款用户在收款操作中指定款项总额,收款方终端或支付服务器按照预定分配算法,将款项总额分配给所有付款方。当收款用户更改了款项总额后,收款方终端或支付服务器将更改后的款型总额应用于预定分配算法,得到每个付款方更改后的份额;对付款状态为已支付的每个付款方,如果更改后的份额小于更改前的份额则退回多缴的份额,如果更改后的份额大于更改前的份额则通知该已支付的付款方需补缴的份额,如果更改后的份额与更改前的份额一致则不做处理;对付款状态为未支付的每个付款方,按照更改后的份额通知该未支付的付款方需支付的份额。In the first example, the payee user specifies the total amount in the collection operation, and the payee terminal or payment server distributes the total amount to all payers according to a predetermined allocation algorithm. When the receiving user changes the total amount, the payee terminal or payment server applies the changed total amount to the predetermined allocation algorithm, and obtains the changed share of each payer; the payment status is paid for each payment. Party, if the changed share is less than the pre-change share, return the overpaid share, if the changed share is greater than the pre-change share, notify the paid payer to pay the share, if the changed share and change The former share is unconformed; for each payer whose payment status is unpaid, the share of the unpaid payer is notified according to the changed share.
在第二个例子中,收款用户在更改收款参数时,添加了一个到多个付款方。付款方终端或支付服务器按照对付款方的更改确定当前的付款方以及每个付款方更改后的份额,当前付款方为原先的付款方(更改前的付款方)与所添加的新付款方的集合,付款方的增加会导致一个到多个原先的付款方所支付的份额下降(根据如何分配款项总额确定)。因此付款方终端或支付服务器对于每个付款状态为已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额;对每个付款状态为未支付的原先的付款方,如果需支付的份额减少则按照更改后的份额通知该未支付的付款方,需支付的份额无变化时可以不通知也可以通知;对新增的付款方(付款状态为未支付),按照更改后的份额通知该其需支付的份额。In the second example, the payee user added one or more payers when changing the payment parameters. The payer terminal or payment server determines the current payer and the changed share of each payer according to the change to the payer, the current payer is the original payer (the payer before the change) and the new payer added Aggregates, an increase in the payer will result in a decrease in the share paid by one or more original payers (as determined by how the total amount is allocated). Therefore, the payer terminal or the payment server returns the overpaid share when the changed share is less than the pre-change share for each paying party whose payment status is paid; for each original payment party whose payment status is unpaid, If the share to be paid is reduced, the unpaid payer will be notified according to the changed share. If there is no change in the share to be paid, the notice can be notified without notice; for the new payer (the payment status is unpaid), follow the change. The subsequent share informs the share it needs to pay.
在第三个例子中,收款用户在更改收款参数时,删除了一个到多个付款方。付款方终端或支付服务器按照对付款方的更改确定当前的付款方、被删除的前付款方、以及每个付款方(即当前的付款方)更改后的份额,当前的付款方为未被删除的付款方,前付款方为被删除的付款方,付款方的减少会导致一个到多个付款方所支付的份额提高。付款方终端或支付服务器对于每 个付款状态为已支付的付款方,当更改后的份额大于更改前的份额时通知该付款方需补缴的份额;对每个付款状态为未支付的付款方,当更改后的份额大于更改前的份额时,按照更改后的份额通知该未支付的付款方需支付的份额;对每个前付款方,如果付款状态为已支付则退回全部已支付份额,否则通知该前付款方无需支付。In the third example, the payee user deletes one or more payers when changing the payment parameters. The payer terminal or the payment server determines the current payer, the deleted former payer, and the changed share of each payer (ie, the current payer) according to the change to the payer, and the current payer is not deleted. The payer, the former payer is the deleted payer, and the decrease of the payer will result in an increase in the share paid by one or more payers. The payer terminal or the payment server informs the payer that the payment status is paid for each payment status, and informs the payer of the share when the changed share is greater than the pre-change share; for each payment status, the unpaid payer When the changed share is greater than the pre-change share, the share of the unpaid payer is notified according to the changed share; for each former payer, if the payment status is paid, all paid shares are returned. Otherwise, the former payer is notified that there is no need to pay.
在第四个例子中,收款用户在更改收款参数时,更改了款项总额、付款方数目、和付款方中的一个到多个参数。付款方终端或支付服务器按照对付款方的更改(包括对付款方数目和付款方的更改)确定当前的付款方(如果未删除付款方)、或者确定当前的付款方和被删除的前付款方(如果删除了付款方),当前的付款方包括未被删除的付款方和新增的付款方,前付款方为被删除的付款方。付款方终端或支付服务器按照更改后的款项总额确定每个付款方更改后的份额。对每个付款状态为已支付的付款方,如果更改后的份额小于更改前的份额则退回多缴的份额,如果更改后的份额大于更改前的份额则通知该付款方需补缴的份额;对每个付款状态为未支付的付款方,如果是新增的付款方、或者更改后的份额与更改前的份额不同,则按照更改后的份额通知其需要支付的份额;对前付款方,如果已支付则退回已支付的份额,否则通知该前付款方无需支付。In the fourth example, the payee user changes the total amount of payments, the number of payers, and one or more parameters in the payer when changing the payment parameters. The payer terminal or payment server determines the current payer (if the payer is not deleted), or determines the current payer and the deleted former payer, in accordance with changes to the payer (including changes to the number of payers and payers) (If the payer is deleted), the current payer includes the unpaid payer and the new payer, and the former payer is the deleted payer. The payer terminal or payment server determines the changed share of each payer based on the total amount of the change. For each payer whose payment status is paid, if the changed share is less than the pre-change share, the overpaid share will be returned, and if the changed share is greater than the pre-change share, the payer will be notified of the share to be paid; For each payer whose payment status is unpaid, if it is a new payer, or if the changed share is different from the pre-change share, the changed share is notified according to the changed share; for the former payer, If the payment has been made, the paid share is returned, otherwise the former payer is notified that there is no need to pay.
在本方法运行在付款方终端上的实现方式中,收款方要通过支付服务器来向付款方退款,具体过程请参见现有技术,不再赘述。通常,收款方终端按照更改后的收款参数和付款方的付款状态,确定付款方需要补缴的份额、更新后需要支付的份额、和/或不需支付后,通过支付服务器通知至少一个付款方需支付的份额、和/或请求支付服务器向至少一个付款方退款;具体而言,收款方终端将付款方、需要告知付款方的内容提交给支付服务器,由支付服务器向付款方终端发送带有上述内容的通知消息,如退款通知、更新的收款通知等等。在本方法运行在支付服务器上的实现方式中,支付服务器可直接进行由收款方向付款方退款、和通知付款方的步骤。In the implementation method of the method running on the payer terminal, the payee has to refund the payment party through the payment server. For the specific process, please refer to the prior art, and details are not described herein. Generally, the payee terminal determines at least one of the payment party needs to pay the share, the share to be paid after the update, and/or does not need to pay according to the changed payment parameter and the payment state of the payer. The payment party shall pay a share, and/or request the payment server to refund the at least one payer; in particular, the payee terminal submits the payer, the content that needs to inform the payer to the payment server, and the payment server to the payer The terminal sends a notification message with the above content, such as a refund notice, an updated receipt notification, and the like. In an implementation in which the method operates on a payment server, the payment server can directly perform the steps of refunding the payment to the payer and notifying the payer.
在付款方终端上,步骤410,接收退款通知或更新的收款通知,其中更 新的收款通知中包括更新的需支付份额,退款通知中包括退回的部分或全部已支付份额;更新的需支付的份额或退回的份额根据对所收款款项的付款参数的更改和本付款方的付款状态确定。At the payer terminal, step 410, receiving a refund notice or an updated payment notice, wherein the updated payment notice includes an updated share of the payment, and the refund notice includes some or all of the paid share returned; The share to be paid or the share to be returned is determined based on the change in the payment parameters of the payment received and the payment status of the payer.
如前所述,付款方终端通常从支付服务器接收退款通知或收款通知。支付服务器在完成由收款方向付款方的退款(可能是部分已支付份额,也可能是全部已支付份额)后,将退款的金额、退款方在退款通知中告知付款方,退款通知中还可以携带退款理由等信息。As mentioned earlier, the payer terminal typically receives a refund notification or a payment notification from the payment server. After the payment server completes the refund from the payment party to the payer (which may be part of the paid share, or may be the total paid share), the refund amount and the refunder inform the payer in the refund notice. The notice can also carry information such as the reason for the refund.
如果付款方的付款状态为未付款并且需要支付的份额发生变化,支付服务器会向付款方终端发送带有更新的需支付份额的收款通知。如果付款方的付款状态为已支付并且更改后的份额大于更改前的份额,支付服务器会向付款方终端发送带有需补缴份额的收款通知。类似的,收款通知中还可以携带需支付的份额发生变化、或需补缴份额的理由等信息。If the payment status of the payer is unpaid and the share to be paid changes, the payment server sends a payment notification with the updated share of the payment to the payer terminal. If the payer's payment status is paid and the changed share is greater than the pre-change share, the payment server sends a payment notification with the pay-as-you-go share to the payer terminal. Similarly, the payment notification can also carry information such as changes in the share to be paid, or reasons for the need to pay the share.
在付款方终端上,步骤420,根据用户的指令,按照接收的收款通知向收款方进行支付。At the payer terminal, in step 420, according to the user's instruction, the payment is made to the payee according to the received payment notification.
付款方终端将收到的退款通知或收款通知显示给付款用户。付款用户可以针对收款通知进行向收款方付款的操作。当付款方终端收到付款用户针对收款通知的付款指令后,根据收款通知向支付服务器发起付款请求,支付服务器按照收款通知中的份额进行付款方向收款方的转账。The payer terminal displays the refund notice or payment notice received to the paying user. The payment user can make a payment to the payee for the payment notification. After the payer terminal receives the payment instruction of the payment user for the payment notification, the payment request is initiated to the payment server according to the payment notification, and the payment server performs the payment to the payee according to the share in the payment notification.
可见,本申请的实施例二中,对已经提交的收款操作为收款用户提供修改收款参数的功能,可以由收款用户更改收款参数,依据更改后的收款参数和各个付款方的付款状态,自动向付款方发起收款通知或向付款方退款,使得收款用户在发生收款参数输入错误时,不必自行计算和手动更正当前收款的结果,提高了错误纠正的效率,提升了用户的便利程度。It can be seen that, in the second embodiment of the present application, the payment operation that has been submitted provides the function of modifying the payment parameter for the user, and the payment parameter can be changed by the payment user, according to the changed payment parameter and each payment party. The payment status automatically initiates a payment notification to the payer or refunds to the payer, so that the receiving user does not have to calculate and manually correct the current collection result when the receipt parameter input error occurs, thereby improving the efficiency of error correction. , to improve the user's convenience.
在本申请的一个应用示例中,第三方支付平台的客户端在AA收款功能中,为用户提供了更改收款参数的入口,并能够按照用户更改后的收款参数,自动更正当前的收款结果,完成AA收款。在收款用户终端的客户端上,对已经启动的AA收款订单,收款用户可以修改款项总额、付款人数和/或付款 方。In an application example of the present application, the client of the third-party payment platform provides the user with an entry for changing the payment parameter in the AA collection function, and can automatically correct the current receipt according to the user's changed payment parameter. As a result, the AA collection is completed. On the client of the receiving user terminal, for the AA payment order that has been activated, the receiving user can modify the total amount, the number of payers and/or the payer.
以下以一个具体的例子进行说明。假设收款方以款项总额142元、付款人数为7发起一笔AA收款订单;在发起订单后,7位付款方终端的客户端收到需向收款方支付20.29元的收款通知。收款用户发现对人数的统计有误,在其客户端上启动对该笔订单的收款参数进行修改的功能,一种客户端界面如图5所示。The following is a specific example. Assume that the payee initiates an AA receipt order with a total amount of 142 yuan and a paying amount of 7. After the order is initiated, the client of the seven payer terminals receives a payment notice of 20.29 yuan to be paid to the payee. The receiving user finds that the statistics of the number of people is wrong, and starts the function of modifying the payment parameters of the order on the client side. A client interface is shown in FIG. 5 .
设收款用户将收款人数减少为6,并删除了1位收款方,更改收款参数后的客户端界面如图6所示。收款方终端按照新的收款参数,确定当前的收款方(未被删除的6位)和前收款方(被删除的1位),并确定每位当前收款方的份额为23.66元。The receiving user reduces the number of recipients to 6, and deletes one payee. The client interface after changing the payment parameters is shown in Figure 6. The payee terminal determines the current payee (6 digits not deleted) and the previous payee (1 digit deleted) according to the new payment parameters, and determines the current share of each current payee is 23.66. yuan.
对本AA订单中付款状态为已支付的付款方,收款方终端通过第三方支付平台的支付服务器向付款方终端发送收款通知,告知该付款用户需要补缴3.37元差价。付款方终端收到该收款通知后,显示给付款用户,一种客户端界面如图7所示。在该界面上,付款用户可以通过点击“补交差价3.37”来通过支付服务器向收款方支付3.37元。For the payer whose payment status is paid in this AA order, the payee terminal sends a payment notification to the payer terminal through the payment server of the third-party payment platform, informing the payment user that the difference of 3.37 yuan is required to be paid. After the payment party terminal receives the payment notification, it is displayed to the payment user. A client interface is shown in FIG. 7. On this interface, the payment user can pay 3.37 yuan to the payee through the payment server by clicking "Subsequent Spread 3.37".
对本AA订单中付款状态为未支付的付款方,收款方终端通过支付服务器向付款方终端发送收款通知,告知该付款用户需支付的份额为23.66元。付款方终端收到该收款通知后,显示给付款用户,一种客户端界面如图8所示。在该界面上,付款用户可以通过点击“支付23.66”来通过支付服务器向收款方支付23.66元。For the payer whose payment status is unpaid in the order of this AA, the payee terminal sends a payment notification to the payer terminal through the payment server, and informs the paying user that the share to be paid is 23.66 yuan. After the payment party terminal receives the payment notification, it is displayed to the payment user. A client interface is shown in FIG. 8. On this interface, the payment user can pay the payee $23.66 through the payment server by clicking on "Payment 23.66".
对被删除的前付款方,如果该付款方已经支付,收款方终端请求支付服务器向该前付款方退回已支付的全部份额,并通过支付服务器向该前付款方终端发送退款通知。前付款方终端将退款通知的事由、退款金额显示给前付款用户。如果该付款方尚未支付,收款方终端通过支付服务器向该前付款方终端发送通知,告知该前付款用户无需进行该笔AA订单的支付。For the deleted former payer, if the payer has paid, the payee terminal requests the payment server to return the entire paid share to the former payer, and sends a refund notice to the former payer terminal through the payment server. The former payer terminal displays the reason for the refund notice and the refund amount to the former paying user. If the payer has not paid, the payee terminal sends a notification to the former payer terminal through the payment server, informing the former paying user that the payment of the AA order is not required.
设收款用户将收款人数增加为8,并添加了1位收款方,更改收款参数后的客户端界面如图9所示。收款方终端按照新的收款参数,确定当前的付 款方为原先的7位加新添加的1位,并确定每位付款方的份额为17.75元。The receiving user increases the number of recipients to 8, and adds one payee. The client interface after changing the payment parameters is shown in Figure 9. The payee terminal determines that the current payer is the original 7-bit plus new one according to the new payment parameters, and determines that each payer's share is 17.75 yuan.
对本AA订单中付款状态为已支付的每位付款方,收款方终端请求支付服务器向该付款方退回2.54元,并通过第三方支付平台的支付服务器向付款方终端发送退款通知,告知该付款用户已退回2.54元差价。付款方终端收到该退款通知后,显示给付款用户,一种客户端界面如图10所示。For each payer whose payment status is paid in this AA order, the payee terminal requests the payment server to return 2.54 yuan to the payer, and sends a refund notice to the payer terminal through the payment server of the third-party payment platform, to inform the The payment user has returned a difference of $2.54. After the payment party terminal receives the refund notification, it is displayed to the payment user. A client interface is shown in FIG.
对本AA订单中付款状态为未支付的每个付款方(包括新添加的付款方),收款方终端通过支付服务器向付款方终端发送收款通知,告知该付款用户需支付的份额为17.75元。For each payer (including the newly added payer) whose payment status is unpaid in this AA order, the payee terminal sends a payment notification to the payer terminal through the payment server, informing the paying user that the share to be paid is 17.75 yuan. .
与上述流程实现对应,本申请的实施例还提供了一种应用在目标节点上的资源转移的实现装置、一种应用在起始节点上的资源转移的实现装置、一种应用在收款方终端或支付服务器的收付款的实现装置、和一种应用在付款方终端上的收付款的实现装置。上述四种装置均可以通过软件实现,也可以通过硬件或者软硬件结合的方式实现。以软件实现为例,作为逻辑意义上的装置,是通过所在设备的CPU(Central Process Unit,中央处理器)将对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言,除了图11所示的CPU、内存以及非易失性存储器之外,上述装置所在的设备通常还包括用于进行无线信号收发的芯片等其他硬件,和/或用于实现网络通信功能的板卡等其他硬件。Corresponding to the above-mentioned process implementation, the embodiment of the present application further provides an apparatus for implementing resource transfer applied to a target node, an apparatus for implementing resource transfer applied to the originating node, and an application to the payee. An apparatus for realizing payment and payment of a terminal or a payment server, and an apparatus for realizing payment and payment applied to the payer terminal. All of the above four devices can be implemented by software, or can be implemented by hardware or a combination of hardware and software. Taking the software implementation as an example, as a logical means, the CPU (Central Process Unit) of the device is used to read the corresponding computer program instructions into the memory. At the hardware level, in addition to the CPU, memory, and non-volatile memory shown in FIG. 11, the device in which the above device is located usually includes other hardware such as a chip for transmitting and receiving wireless signals, and/or is implemented. Other hardware such as boards for network communication functions.
图12所示为本申请实施例提供的一种资源转移的实现装置,应用在资源转移的目标节点上,所述装置包括转移参数接收单元和资源转移更改单元,其中:转移参数接收单元用于接收对转移参数的更改;资源转移更改单元用于按照更改后的转移参数和起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源。12 is a device for implementing resource transfer according to an embodiment of the present application, which is applied to a target node of resource transfer, where the device includes a transfer parameter receiving unit and a resource transfer change unit, where: a transfer parameter receiving unit is used for Receiving a change to the transfer parameter; the resource transfer change unit is configured to perform at least one of the following actions according to the changed transfer parameter and the transfer status of the start node: notifying at least one start node of the resource share to be transferred, to at least one The originating node returns some or all of the transferred resources.
可选的,所述对转移参数的更改包括以下一项到多项:增加起始节点、删除起始节点、更改资源转移总额度;所述资源转移更改单元具体用于:按照对起始节点的更改确定当前的起始节点、或当前的起始节点和被删除的前 起始节点,按照更改后的资源转移总额度确定每个起始节点更改后的转移份额;对每个已转移资源的起始节点,当更改后的转移份额小于更改前的转移份额时退回多转移的份额,当更改后的转移份额大于更改前的转移份额时通知所述已转移资源的起始节点需继续转移的份额;对每个未转移资源的起始节点,当更改后的转移份额与更改前的转移份额不同、或者所述未转移资源的起始节点为新增起始节点时,按照更改后的转移份额通知所述未转移资源的起始节点需转移的份额;所述装置还包括:前起始节点更改单元,用于对前起始节点,如果已转移资源则退回已转移的份额,否则通知所述前起始节点无需进行资源转移。Optionally, the change to the transfer parameter includes one or more of the following: adding a start node, deleting a start node, and changing a resource transfer total degree; the resource transfer change unit is specifically configured to: follow the start node The change determines the current starting node, or the current starting node and the deleted previous starting node, and determines the changed transfer share of each starting node according to the changed total resource transfer amount; for each transferred resource The starting node, when the changed transfer share is less than the transfer share before the change, the multi-transition share is returned, and when the changed transfer share is greater than the transfer share before the change, the start node of the transferred resource needs to continue to transfer. Share; for each start node of the untransferred resource, when the changed transfer share is different from the transfer share before the change, or the start node of the untransferred resource is a new start node, according to the changed The transfer share notifies the starting node of the untransferred resource that the transfer node needs to transfer; the device further includes: a front start node change unit, configured to use the previous start node If the resource has been transferred, the transferred share is returned, otherwise the former starting node is notified that no resource transfer is required.
图13所示为本申请实施例提供的一种资源转移的实现装置,应用在资源转移的起始节点上,所述装置包括退回或转移通知接收单元、和资源转移执行单元,其中:退回或转移通知接收单元用于接收资源退回通知或资源转移通知,所述资源转移通知中包括更新的需转移份额或需继续转移的份额,所述资源退回通知中包括退回的部分或全部已转移的资源份额;所述需转移份额、需继续转移的份额或退回的份额根据对所转移资源的转移参数的更改和本起始节点的转移状态确定;FIG. 13 is a schematic diagram of an apparatus for implementing resource transfer according to an embodiment of the present application, where the apparatus is applied to a start node of a resource transfer, where the apparatus includes a return or transfer notification receiving unit, and a resource transfer execution unit, where: The transfer notification receiving unit is configured to receive a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated required transfer share or a share to be transferred, and the resource return notification includes some or all of the transferred resources that are returned Share; the share to be transferred, the share to be transferred or the share to be returned is determined according to the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
资源转移执行单元用于按照所述资源转移通知向资源转移的目标节点转移资源。The resource transfer execution unit is configured to transfer the resource to the target node of the resource transfer according to the resource transfer notification.
图14所示为本申请实施例提供的一种收付款的实现装置,包括收款参数接收单元和收付款更改单元,其中:收款参数接收单元用于接收对收款参数的更改;收付款更改单元用于按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款。FIG. 14 is a schematic diagram of an apparatus for implementing payment and payment according to an embodiment of the present invention, comprising: a payment receiving unit and a payment and receiving unit, wherein: the receiving parameter receiving unit is configured to receive a change to a payment parameter; The change unit is configured to perform at least one of the following actions according to the changed payment parameter and the payment status of the payer: notifying at least one payer of the share to be paid, and refunding the at least one payer.
可选的,所述对收款参数的更改包括:更改款项总额,所述款项总额按照预定分配算法分配给每个付款方;所述收付款更改单元具体用于:采用更改后的款项总额按照所述预定分配算法确定每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额, 当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,按照更改后的份额通知所述未支付的付款方需支付的份额。Optionally, the change to the payment parameter includes: changing the total amount of the payment, the total amount of the payment is allocated to each payer according to a predetermined allocation algorithm; and the payment and payment changing unit is specifically configured to: adopt the total amount of the changed amount according to The predetermined allocation algorithm determines the changed share of each payer; for each paid payer, when the changed share is less than the pre-change share, the overpaid share is returned, when the changed share is greater than the pre-change At the time of the share, the share of the paid payer is required to be paid; for each unpaid payer, the share of the unpaid payer is notified according to the changed share.
可选的,所述对收款参数的更改包括:增加付款方;所述收付款更改单元具体用于:按照对付款方的更改确定当前的付款方以及每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额;对至少一个未支付的付款方,按照更改后的份额通知所述未支付的付款方需支付的份额。Optionally, the change to the payment parameter includes: adding a payer; the payment change unit is specifically configured to: determine, according to the change to the payer, the current payer and the changed share of each payer; Each paid payer returns the overpaid share when the changed share is less than the pre-change share; for the at least one unpaid payer, the unpaid payer is required to pay according to the changed share notice Share.
可选的,所述对收款参数的更改包括:删除付款方;所述收付款更改单元具体用于:按照对付款方的更改确定当前的付款方、被删除的前付款方、以及每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,当更改后的份额大于更改前的份额时按照更改后的份额通知所述未支付的付款方需支付的份额;所述装置还包括:前付款方更改单元,用于对前付款方,如果已支付则退回已支付份额,否则通知所述前付款方无需支付。Optionally, the change to the payment parameter includes: deleting the payment party; the payment and payment modification unit is specifically configured to: determine the current payer, the deleted former payer, and each according to the change to the payer The changed share of the payer; for each paid payer, when the changed share is greater than the pre-change share, the share of the paid payer is required to be paid; for each unpaid payer, When the changed share is greater than the pre-change share, the unpaid payer is required to pay the share according to the changed share; the device further includes: a pre-payer change unit for the former payer, if The payment is returned to the paid share, otherwise the former payer is not required to pay.
可选的,所述对收款参数的更改包括以下一项到多项:增加付款方、删除付款方、更改款项总额;所述收付款更改单元具体用于:按照对付款方的更改确定当前的付款方、或当前的付款方和被删除的前付款方,按照更改后的款项总额确定每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,当更改后的份额与更改前的份额不同、或者所述未支付的付款方为新增付款方时,按照更改后的份额通知所述未支付的付款方需支付的份额;所述装置还包括:前付款方更改单元,用于对前付款方,如果已支付则退回已支付的份额,否则通知所述前付款方无需支付。Optionally, the change to the payment parameter includes one or more of the following: adding a payer, deleting a payer, and changing a total amount; the payment change unit is specifically configured to: determine the current change according to the payment party The payer, or the current payer and the deleted former payer, determine the changed share of each payer according to the total amount of the change; for each paid payer, when the changed share is less than the change The share is returned to the overpaid share, and when the changed share is greater than the pre-change share, the paid payer is required to pay the share; for each unpaid payer, when the changed share is changed If the former share is different, or the unpaid payer is a new payer, the share of the unpaid payer is notified according to the changed share; the device further includes: a pre-payer change unit, Used for the former payer, if the payment has been made, the paid share is returned, otherwise the former payer is notified that there is no need to pay.
可选的,所述装置应用在收款方终端上;所述收款参数接收单元具体用于:接收用户对收款参数的更改指令;所述收付款更改单元具体用于:按照 更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通过支付服务器通知至少一个付款方需支付的份额、请求支付服务器向至少一个付款方退款。Optionally, the device is applied to the payee terminal; the payment parameter receiving unit is specifically configured to: receive a change instruction of the user to the payment parameter; and the payment and payment change unit is specifically configured to: follow the changed The payment parameter and the payment status of the payer perform at least one of the following actions: notifying the at least one payer of the share by the payment server, requesting the payment server to refund the at least one payer.
可选的,所述装置应用在支付服务器上;所述收款参数接收单元具体用于:接收来自收款方终端的收款参数更改请求。Optionally, the device is applied to a payment server; and the payment parameter receiving unit is specifically configured to: receive a payment parameter change request from the payee terminal.
图15所示为本申请实施例提供的一种收付款的实现装置,应用在付款方终端上,所述装置包括收退款通知接收单元和收款支付单元,其中:收退款通知接收单元用于接收退款通知或收款通知,所述收款通知中包括更新的需支付份额或需补缴的份额,所述退款通知中包括退回的部分或全部已支付份额;所述需支付份额、需补缴的份额或退回的份额根据对所收款款项的付款参数的更改和本付款方的付款状态确定;收款支付单元用于根据用户的指令,按照所述收款通知向收款方进行支付。FIG. 15 is a schematic diagram of an apparatus for implementing payment and payment according to an embodiment of the present application, which is applied to a payer terminal, where the apparatus includes a refund notification receiving unit and a payment payment unit, wherein: a refund notification receiving unit For receiving a refund notice or a payment notice, the payment notice includes an updated share of the payment or a share to be paid, and the refund notice includes a part or all of the paid share returned; the payment is required The share, the share to be replenished or the returned share is determined according to the change of the payment parameter of the received payment and the payment status of the payer; the payment payment unit is used to receive the payment notification according to the user's instruction. The payment is made by the party.
以上所述仅为本申请的较佳实施例而已,并不用以限制本申请,凡在本申请的精神和原则之内,所做的任何修改、等同替换、改进等,均应包含在本申请保护的范围之内。The above is only the preferred embodiment of the present application, and is not intended to limit the present application. Any modifications, equivalent substitutions, improvements, etc., which are made within the spirit and principles of the present application, should be included in the present application. Within the scope of protection.
在一个典型的配置中,计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
内存可能包括计算机可读介质中的非永久性存储器,随机存取存储器(RAM)和/或非易失性内存等形式,如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。The memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory. Memory is an example of a computer readable medium.
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括,但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带,磁带磁磁盘存储或其 他磁性存储设备或任何其他非传输介质,可用于存储可以被计算设备访问的信息。按照本文中的界定,计算机可读介质不包括暂存电脑可读媒体(transitory media),如调制的数据信号和载波。Computer readable media includes both permanent and non-persistent, removable and non-removable media. Information storage can be implemented by any method or technology. The information can be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.
还需要说明的是,术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含,从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素,而且还包括没有明确列出的其他要素,或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下,由语句“包括一个……”限定的要素,并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。It is also to be understood that the terms "comprises" or "comprising" or "comprising" or any other variations are intended to encompass a non-exclusive inclusion, such that a process, method, article, Other elements not explicitly listed, or elements that are inherent to such a process, method, commodity, or equipment. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device including the element.
本领域技术人员应明白,本申请的实施例可提供为方法、系统或计算机程序产品。因此,本申请可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且,本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。Those skilled in the art will appreciate that embodiments of the present application can be provided as a method, system, or computer program product. Thus, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment in combination of software and hardware. Moreover, the application can 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, etc.) including computer usable program code.

Claims (22)

  1. 一种资源转移的实现方法,应用在资源转移的目标节点上,所述方法包括:A method for implementing resource transfer is applied to a target node of resource transfer, and the method includes:
    接收对转移参数的更改;Receive changes to the transfer parameters;
    按照更改后的转移参数和资源转移的起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源。Performing at least one of the following actions according to the changed transfer parameter and the transfer state of the start node of the resource transfer: notifying at least one start node of the resource share to be transferred, returning to the at least one start node, part or all of the transferred Resources.
  2. 根据权利要求1所述的方法,所述对转移参数的更改包括以下一项到多项:增加起始节点、删除起始节点、更改资源转移总额度;The method according to claim 1, wherein the change to the transfer parameter comprises one or more of the following: adding a start node, deleting a start node, and changing a resource transfer total degree;
    所述按照更改后的转移参数和资源转移的起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源,包括:按照对起始节点的更改确定当前的起始节点、或当前的起始节点和被删除的前起始节点,按照更改后的资源转移总额度确定每个起始节点更改后的转移份额;对每个已转移资源的起始节点,当更改后的转移份额小于更改前的转移份额时退回多转移的份额,当更改后的转移份额大于更改前的转移份额时通知所述已转移资源的起始节点需继续转移的份额;对每个未转移资源的起始节点,当更改后的转移份额与更改前的转移份额不同、或者所述未转移资源的起始节点为新增起始节点时,按照更改后的转移份额通知所述未转移资源的起始节点需转移的份额;And performing, according to the changed transfer parameter and the transfer status of the start node of the resource transfer, performing at least one of: notifying at least one start node of the resource share to be transferred, and returning to the at least one start node part or all of the The transferred resource includes: determining the current starting node, or the current starting node and the deleted previous starting node according to the change of the starting node, and determining each starting node change according to the changed total resource transfer degree Post-transfer share; for each start node of the transferred resource, when the changed transfer share is less than the transfer share before the change, the share of the multi-transfer is returned, and when the changed transfer share is greater than the transfer share before the change, the notification The starting node of the transferred resource needs to continue to transfer the share; for each starting node of the untransferred resource, when the changed transfer share is different from the transfer share before the change, or the starting node of the untransferred resource is When a start node is added, the changed share of the transfer node is notified according to the changed transfer share;
    所述方法还包括:对前起始节点,如果已转移资源则退回已转移的份额,否则通知所述前起始节点无需进行资源转移。The method further includes: returning the transferred share to the previous starting node if the resource has been transferred, otherwise notifying the former starting node that the resource transfer is not required.
  3. 一种资源转移的实现方法,应用在资源转移的起始节点上,所述方法包括:A method for implementing resource transfer is applied to a start node of resource transfer, and the method includes:
    接收资源退回通知或资源转移通知,所述资源转移通知中包括更新的需转移份额或需继续转移的份额,所述资源退回通知中包括退回的部分或全部 已转移的资源份额;所述需转移份额、需继续转移的份额或退回的份额根据对所转移资源的转移参数的更改和本起始节点的转移状态确定;Receiving a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated share to be transferred or a share to be transferred, and the resource return notification includes part or all of the transferred resource shares that are returned; The share, the share to be transferred or the returned share is determined based on the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
    按照所述资源转移通知向资源转移的目标节点转移资源。The resource is transferred to the target node of the resource transfer according to the resource transfer notification.
  4. 一种资源转移的实现装置,应用在资源转移的目标节点上,,所述装置包括:A device for implementing resource transfer is applied to a target node of resource transfer, and the device includes:
    转移参数接收单元,用于接收对转移参数的更改;a transfer parameter receiving unit, configured to receive a change to the transfer parameter;
    资源转移更改单元,用于按照更改后的转移参数和资源转移的起始节点的转移状态,执行以下动作中的至少一个:通知至少一个起始节点需转移的资源份额、向至少一个起始节点退回部分或全部已转移的资源。a resource transfer change unit, configured to perform at least one of the following actions according to the changed transfer parameter and the transfer state of the start node of the resource transfer: notifying at least one start node of the resource share to be transferred, to at least one start node Return some or all of the transferred resources.
  5. 根据权利要求4所述的装置,所述对转移参数的更改包括以下一项到多项:增加起始节点、删除起始节点、更改资源转移总额度;The apparatus according to claim 4, wherein the change to the transfer parameter comprises one or more of the following: adding a start node, deleting a start node, and changing a resource transfer total degree;
    所述资源转移更改单元具体用于:按照对起始节点的更改确定当前的起始节点、或当前的起始节点和被删除的前起始节点,按照更改后的资源转移总额度确定每个起始节点更改后的转移份额;对每个已转移资源的起始节点,当更改后的转移份额小于更改前的转移份额时退回多转移的份额,当更改后的转移份额大于更改前的转移份额时通知所述已转移资源的起始节点需继续转移的份额;对每个未转移资源的起始节点,当更改后的转移份额与更改前的转移份额不同、或者所述未转移资源的起始节点为新增起始节点时,按照更改后的转移份额通知所述未转移资源的起始节点需转移的份额;The resource transfer change unit is specifically configured to: determine, according to the change of the start node, the current start node, or the current start node, and the deleted previous start node, and determine each according to the changed total resource transfer degree. The transfer share after the change of the starting node; for each start node of the transferred resource, when the changed transfer share is smaller than the transfer share before the change, the share of the multi-transition is returned, and when the changed transfer share is greater than the transfer before the change The share informs the starting node of the transferred resource to continue to transfer the share; for each start node of the untransferred resource, when the changed transfer share is different from the transfer share before the change, or the untransferred resource When the starting node is a new starting node, the changed starting share is notified of the share of the starting node of the untransferred resource according to the changed transfer share;
    所述装置还包括:前起始节点更改单元,用于对前起始节点,如果已转移资源则退回已转移的份额,否则通知所述前起始节点无需进行资源转移。The apparatus further includes: a pre-start node change unit, configured to forward the transferred share to the previous start node if the resource has been transferred, otherwise notify the previous start node that no resource transfer is required.
  6. 一种资源转移的实现装置,应用在资源转移的起始节点上,所述装置包括:An apparatus for implementing resource transfer is applied to a start node of resource transfer, and the apparatus includes:
    退回或转移通知接收单元,用于接收资源退回通知或资源转移通知,所述资源转移通知中包括更新的需转移份额或需继续转移的份额,所述资源退回通知中包括退回的部分或全部已转移的资源份额;所述需转移份额、需继续转移的份额或退回的份额根据对所转移资源的转移参数的更改和本起始节 点的转移状态确定;a return or transfer notification receiving unit, configured to receive a resource return notification or a resource transfer notification, where the resource transfer notification includes an updated required transfer share or a share to be transferred, and the resource return notification includes part or all of the returned The transferred resource share; the share to be transferred, the share to be transferred or the returned share is determined according to the change of the transfer parameter of the transferred resource and the transfer state of the starting node;
    资源转移执行单元,用于按照所述资源转移通知向资源转移的目标节点转移资源。And a resource transfer execution unit, configured to transfer resources to the target node of the resource transfer according to the resource transfer notification.
  7. 一种收付款的实现方法,包括:A method for implementing payment and collection, comprising:
    接收对收款参数的更改;Receive changes to the payment parameters;
    按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款。At least one of the following actions is performed in accordance with the changed payment parameters and the payment status of the payer: notifying at least one payer of the share to be paid, and refunding the at least one payer.
  8. 根据权利要求7所述的方法,所述对收款参数的更改包括:更改款项总额,所述款项总额按照预定分配算法分配给每个付款方;The method of claim 7, the change to the payment parameter comprising: changing a total amount of money, the total amount of money being distributed to each payer in accordance with a predetermined allocation algorithm;
    所述按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款,包括:采用更改后的款项总额按照所述预定分配算法确定每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,按照更改后的份额通知所述未支付的付款方需支付的份额。The performing, according to the changed payment parameter and the payment status of the payer, performing at least one of the following actions: notifying the at least one payer of the share to be paid, and refunding the at least one payer, including: adopting the total amount of the change Determining the changed share of each payer according to the predetermined allocation algorithm; for each paid payer, returning the overpaid share when the changed share is less than the pre-change share, when the changed share is greater than before the change The share is notified of the share of the paid payer to be paid; for each unpaid payer, the share of the unpaid payer is notified according to the changed share.
  9. 根据权利要求7所述的方法,所述对收款参数的更改包括:增加付款方;The method of claim 7, the change to the payment parameter comprising: increasing a payer;
    所述按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款,包括:按照对付款方的更改确定当前的付款方以及每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额;对至少一个未支付的付款方,按照更改后的份额通知所述未支付的付款方需支付的份额。The performing, according to the changed payment parameter and the payment status of the payer, performing at least one of the following actions: notifying the at least one payer of the share to be paid, and refunding the at least one payer, including: following the change to the payer Determine the current payer and the changed share of each payer; for each paid payer, return the overpaid share when the changed share is less than the pre-change share; for at least one unpaid payer, The share of the unpaid payer is paid according to the changed share notice.
  10. 根据权利要求7所述的方法,所述对收款参数的更改包括:删除付款方;The method of claim 7, the change to the payment parameter comprising: deleting the payer;
    所述按照更改后的收款参数和付款方的付款状态,执行以下动作中的至 少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款,包括:按照对付款方的更改确定当前的付款方、被删除的前付款方、以及每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,当更改后的份额大于更改前的份额时按照更改后的份额通知所述未支付的付款方需支付的份额;The performing, according to the changed payment parameter and the payment status of the payer, performing at least one of the following actions: notifying the at least one payer of the share to be paid, and refunding the at least one payer, including: following the change to the payer Determining the current payer, the deleted former payer, and the changed share of each payer; for each paid payer, notifying the paid payment when the changed share is greater than the pre-change share The share to be paid by the party; for each unpaid payer, when the changed share is greater than the pre-change share, the unpaid payer shall pay the share according to the changed share notice;
    所述方法还包括:对前付款方,如果已支付则退回已支付份额,否则通知所述前付款方无需支付。The method further includes: returning the paid share to the former payer, if not paid, otherwise notifying the former payer that no payment is required.
  11. 根据权利要求7所述的方法,所述对收款参数的更改包括以下一项到多项:增加付款方、删除付款方、更改款项总额;The method according to claim 7, wherein the change to the payment parameter comprises one or more of the following: increasing the payer, deleting the payer, and changing the total amount of the payment;
    所述按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款,包括:按照对付款方的更改确定当前的付款方、或当前的付款方和被删除的前付款方,按照更改后的款项总额确定每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,当更改后的份额与更改前的份额不同、或者所述未支付的付款方为新增付款方时,按照更改后的份额通知所述未支付的付款方需支付的份额;The performing, according to the changed payment parameter and the payment status of the payer, performing at least one of the following actions: notifying the at least one payer of the share to be paid, and refunding the at least one payer, including: following the change to the payer Determine the current payer, or the current payer and the deleted former payer, and determine the changed share of each payer according to the total amount of the change; for each paid payer, when the changed share is less than Return the overpaid share when the pre-change share, and notify the paid payer to pay the share when the changed share is greater than the pre-change share; for each unpaid payer, when the changed share When the unpaid payer is different from the pre-change share, or the unpaid payer is the new payer, the share of the unpaid payer is notified according to the changed share;
    所述方法还包括:对前付款方,如果已支付则退回已支付的份额,否则通知所述前付款方无需支付。The method further includes: returning the paid share to the former payer, if not paid, otherwise notifying the former payer that no payment is required.
  12. 根据权利要求7所述的方法,所述方法应用在收款方终端上;The method of claim 7 applied to a payee terminal;
    所述接收对收款参数的更改,包括:接收用户对收款参数的更改指令;Receiving the change to the payment parameter includes: receiving a change instruction of the user to the payment parameter;
    所述按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款,包括:按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通过支付服务器通知至少一个付款方需支付的份额、请求支付服务器向至少 一个付款方退款。The performing, according to the changed payment parameter and the payment status of the payer, performing at least one of the following actions: notifying the at least one payer of the share to be paid, and refunding the at least one payer, including: following the changed payment The parameter and the payment status of the payer perform at least one of the following actions: notifying the at least one payer of the share by the payment server, requesting the payment server to refund the at least one payer.
  13. 根据权利要求7所述的方法,所述方法应用在支付服务器上;The method of claim 7 applied to a payment server;
    所述接收对收款参数的更改,包括:接收来自收款方终端的收款参数更改请求。The receiving the change to the payment parameter includes: receiving a payment parameter change request from the payee terminal.
  14. 一种收付款的实现方法,应用在付款方终端上,所述方法包括:A method for implementing payment and payment is applied to a payer terminal, and the method includes:
    接收退款通知或收款通知,所述收款通知中包括更新的需支付份额或需补缴的份额,所述退款通知中包括退回的部分或全部已支付份额;所述需支付份额、需补缴的份额或退回的份额根据对所收款款项的付款参数的更改和本付款方的付款状态确定;Receiving a refund notice or a payment notice, the payment notice includes an updated share to be paid or a share to be paid, the refund notice includes part or all of the paid share returned; the share to be paid, The share to be replenished or the share to be refunded is determined based on the change in the payment parameters of the payment received and the payment status of the payer;
    根据用户的指令,按照所述收款通知向收款方进行支付。According to the user's instruction, the payment is made to the payee according to the payment notification.
  15. 一种收付款的实现装置,包括:A device for realizing payment and collection, comprising:
    收款参数接收单元,用于接收对收款参数的更改;a payment parameter receiving unit, configured to receive a change to the payment parameter;
    收付款更改单元,用于按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通知至少一个付款方需支付的份额、向至少一个付款方退款。The payment and payment change unit is configured to perform at least one of the following actions according to the changed payment parameter and the payment state of the payer: notifying the at least one payer of the share to be paid, and refunding the at least one payer.
  16. 根据权利要求15所述的装置,所述对收款参数的更改包括:更改款项总额,所述款项总额按照预定分配算法分配给每个付款方;The apparatus according to claim 15, wherein the change to the payment parameter comprises: changing a total amount of money, the total amount of money being allocated to each payer according to a predetermined allocation algorithm;
    所述收付款更改单元具体用于:采用更改后的款项总额按照所述预定分配算法确定每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,按照更改后的份额通知所述未支付的付款方需支付的份额。The payment and payment modification unit is specifically configured to: determine, after the changed amount of the total amount, the changed share of each payer according to the predetermined distribution algorithm; for each paid payer, when the changed share is smaller than before the change The share is returned to the overpaid share, and when the changed share is greater than the pre-change share, the paid payer is required to pay the share; for each unpaid payer, according to the changed share notice The share of the unpaid payer to pay.
  17. 根据权利要求15所述的装置,所述对收款参数的更改包括:增加付款方;The apparatus of claim 15, the change to the payment parameter comprising: increasing a payer;
    所述收付款更改单元具体用于:按照对付款方的更改确定当前的付款方以及每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额;对至少一个未支付的付款方,按照更改 后的份额通知所述未支付的付款方需支付的份额。The payment and payment change unit is specifically configured to: determine the current payer and the changed share of each payer according to the change to the payer; for each paid payer, when the changed share is less than the share before the change The overpaid portion is returned; for at least one unpaid payer, the unpaid payer is required to pay the share in accordance with the changed share.
  18. 根据权利要求15所述的装置,所述对收款参数的更改包括:删除付款方;The apparatus of claim 15, the change to the payment parameter comprising: deleting a payer;
    所述收付款更改单元具体用于:按照对付款方的更改确定当前的付款方、被删除的前付款方、以及每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,当更改后的份额大于更改前的份额时按照更改后的份额通知所述未支付的付款方需支付的份额;The payment and payment change unit is specifically configured to: determine the current payer, the deleted former payer, and the changed share of each payer according to the change to the payer; for each paid payer, when the change is made The share after the change is greater than the share before the change, and the share of the paid payer is notified; for each unpaid payer, when the changed share is greater than the share before the change, the changed share is notified. The share of the unpaid payer;
    所述装置还包括:前付款方更改单元,用于对前付款方,如果已支付则退回已支付份额,否则通知所述前付款方无需支付。The apparatus further includes: a pre-payer change unit for repaying the paid share if the pre-payer has paid, otherwise notifying the pre-payer that the payment is not required.
  19. 根据权利要求15所述的装置,所述对收款参数的更改包括以下一项到多项:增加付款方、删除付款方、更改款项总额;The apparatus according to claim 15, wherein the change to the payment parameter comprises one or more of the following: increasing a payer, deleting a payer, and changing a total amount;
    所述收付款更改单元具体用于:按照对付款方的更改确定当前的付款方、或当前的付款方和被删除的前付款方,按照更改后的款项总额确定每个付款方更改后的份额;对每个已支付的付款方,当更改后的份额小于更改前的份额时退回多缴的份额,当更改后的份额大于更改前的份额时通知所述已支付的付款方需补缴的份额;对每个未支付的付款方,当更改后的份额与更改前的份额不同、或者所述未支付的付款方为新增付款方时,按照更改后的份额通知所述未支付的付款方需支付的份额;The payment and payment modification unit is specifically configured to: determine, according to the change to the payer, the current payer, or the current payer and the deleted former payer, and determine the changed share of each payer according to the total amount of the change For each paid payer, return the overpaid share when the changed share is less than the pre-change share, and notify the paid payer to pay when the changed share is greater than the pre-change share Share; for each unpaid payer, when the changed share is different from the pre-change share, or the unpaid payer is a new payer, the unpaid payment is notified according to the changed share The share to be paid by the party;
    所述装置还包括:前付款方更改单元,用于对前付款方,如果已支付则退回已支付的份额,否则通知所述前付款方无需支付。The apparatus further includes: a pre-payer change unit for repaying the paid share if the pre-payer has paid, otherwise notifying the pre-payer that no payment is required.
  20. 根据权利要求15所述的装置,所述装置应用在收款方终端上;The apparatus of claim 15 applied to a payee terminal;
    所述收款参数接收单元具体用于:接收用户对收款参数的更改指令;The payment parameter receiving unit is specifically configured to: receive a change instruction of the user to the payment parameter;
    所述收付款更改单元具体用于:按照更改后的收款参数和付款方的付款状态,执行以下动作中的至少一个:通过支付服务器通知至少一个付款方需支付的份额、请求支付服务器向至少一个付款方退款。The payment and payment modification unit is specifically configured to: perform at least one of the following actions according to the changed payment parameter and the payment status of the payer: notify the at least one payment party of the share to be paid by the payment server, and request the payment server to at least A payer refund.
  21. 根据权利要求15所述的装置,所述装置应用在支付服务器上;The apparatus of claim 15 applied to a payment server;
    所述收款参数接收单元具体用于:接收来自收款方终端的收款参数更改请求。The payment parameter receiving unit is specifically configured to: receive a payment parameter change request from the payee terminal.
  22. 一种收付款的实现装置,应用在付款方终端上,所述装置包括:An apparatus for implementing payment and payment is applied to a payer terminal, and the device includes:
    收退款通知接收单元,用于接收退款通知或收款通知,所述收款通知中包括更新的需支付份额或需补缴的份额,所述退款通知中包括退回的部分或全部已支付份额;所述需支付份额、需补缴的份额或退回的份额根据对所收款款项的付款参数的更改和本付款方的付款状态确定;The refund notification receiving unit is configured to receive a refund notice or a payment notice, where the payment notice includes an updated share to be paid or a share to be paid, and the refund notice includes some or all of the returned The share of payment; the share to be paid, the share to be paid or the share to be returned is determined based on the change in the payment parameters of the received payment and the payment status of the payer;
    收款支付单元,用于根据用户的指令,按照所述收款通知向收款方进行支付。The payment payment unit is configured to perform payment to the payee according to the payment notification according to the user's instruction.
PCT/CN2018/087594 2017-05-22 2018-05-21 Resource transfer realization method and apparatus, and collection and payment realization method and apparatus WO2018214832A1 (en)

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