WO2019006900A1 - 线上清算方法、装置、设备及计算机可读存储介质 - Google Patents

线上清算方法、装置、设备及计算机可读存储介质 Download PDF

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Publication number
WO2019006900A1
WO2019006900A1 PCT/CN2017/104619 CN2017104619W WO2019006900A1 WO 2019006900 A1 WO2019006900 A1 WO 2019006900A1 CN 2017104619 W CN2017104619 W CN 2017104619W WO 2019006900 A1 WO2019006900 A1 WO 2019006900A1
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WO
WIPO (PCT)
Prior art keywords
clearing
account
bank
online
information
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PCT/CN2017/104619
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English (en)
French (fr)
Inventor
陈耿斌
姚晓星
黄海亮
Original Assignee
上海壹账通金融科技有限公司
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Publication of WO2019006900A1 publication Critical patent/WO2019006900A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems

Definitions

  • the present invention relates to the field of Internet technologies, and in particular, to an online clearing method, apparatus, device, and computer readable storage medium.
  • the trading platform generally implements the transfer and liquidation in the form of a jump to the bank online banking. If the user purchases a financial product on the trading platform and selects the online banking payment method, the transaction page will be Jump to the corresponding online bank payment page, the user needs to enter the online bank account and password to log in to the online bank, and then enter the corresponding payment password or payment password to complete the payment.
  • the shortcoming of this method is that when the payment clearing is performed, it is necessary to jump to the bank online banking page and input relevant account information, the operation process is cumbersome, and the liquidation efficiency is low.
  • the main object of the present invention is to provide an online clearing method, device, device and computer readable storage medium, which aims to simplify the online clearing operation process and improve online clearing efficiency.
  • the present invention provides an online clearing method, the online clearing method comprising the following steps:
  • the account information of the clearing account including the account opening bank information
  • the step of determining, according to the account opening information, whether the clearing account satisfies a preset online clearing function opening condition comprises:
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • the account bank information includes an account bank name
  • the step of determining, according to the account bank information, whether the clearing account needs to be verified by the bank account includes:
  • the online clearing method further includes:
  • the method further includes:
  • the present invention also provides an online clearing device, where the online clearing device includes:
  • a creating module configured to create a clearing account in the trading platform system, where the account information of the clearing account includes the account opening bank information;
  • a determining module configured to determine, according to the account opening bank information, whether the clearing account satisfies a preset online clearing function opening condition when receiving an online clearing function provisioning request based on the clearing account;
  • a provisioning module configured to open an online clearing function of the clearing account if the clearing account satisfies a preset online clearing function opening condition
  • a sending module configured to send, according to the online clearing function of the clearing account, the payment instruction to the account opening bank system corresponding to the account opening bank when receiving the payment instruction triggered by the clearing account, so as to enable the The account opening bank system performs a corresponding transfer operation according to the payment instruction.
  • the present invention also provides an online clearing device, the online clearing device comprising: a memory, a processor, and an online clearing stored on the memory and operable on the processor
  • the program when the online clearing program is executed by the processor, implements the following steps:
  • the account information of the clearing account including the account opening bank information
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • the account opening information includes an account bank name
  • the online clearing program is further executed by the processor when the following steps are performed:
  • the present invention further provides a computer readable storage medium, wherein the computer readable storage medium stores a wired clearing program, and when the online clearing program is executed by the processor, the following steps are implemented:
  • the account information of the clearing account including the account opening bank information
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • the account opening information includes an account bank name
  • the online clearing program is further executed by the processor when the following steps are performed:
  • the invention creates a clearing account in the trading platform system, and the account information of the clearing account includes the account opening bank information; when receiving the online clearing function opening request based on the clearing account, determining the clearing according to the account opening bank information Whether the account satisfies the preset online clearing function opening condition; if yes, the online clearing function of the clearing account is activated; and upon receiving the payment instruction triggered by the clearing account, according to the online clearing of the clearing account
  • the function sends the payment instruction to the account opening bank system corresponding to the account opening bank information, so that the account opening bank system performs a corresponding drawing operation according to the payment instruction.
  • the user of the present invention creates a clearing account in the trading platform system and activates the online clearing function of the clearing account.
  • the trading platform system can directly send a payment instruction to the issuing bank system through the created clearing account, thereby The deposit bank system performs the corresponding transfer operation, and the process does not need to jump to the bank online banking for secondary account information entry, thereby simplifying the online clearing operation process and improving the online clearing efficiency.
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention
  • FIG. 2 is a schematic flow chart of a first embodiment of an online clearing method according to the present invention.
  • FIG. 3 is a schematic diagram of a refinement process of determining, according to the account opening information, whether the clearing account satisfies a preset online clearing function opening condition step according to the account opening bank information;
  • FIG. 4 is a schematic flow chart of a second embodiment of an online clearing method according to the present invention.
  • FIG. 5 is a schematic flow chart of a third embodiment of the online clearing method according to the present invention.
  • the main solution of the embodiment of the present invention is: creating a clearing account in the trading platform system, the account information of the clearing account includes the account opening bank information; when receiving the online clearing function opening request based on the clearing account, according to the Determining whether the clearing account satisfies a preset online clearing function opening condition; if yes, opening an online clearing function of the clearing account; when receiving a payment instruction triggered by the clearing account, according to The online clearing function of the clearing account sends the payment instruction to the bank opening system corresponding to the account opening bank information, so that the account opening bank system performs a corresponding drawing operation according to the payment instruction.
  • the user of the invention creates a clearing account in the trading platform system and activates the online clearing function of the clearing account.
  • the trading platform system can directly send a payment instruction to the issuing bank system through the created clearing account, thereby enabling the issuing bank system to execute The corresponding transfer operation, the process does not need to jump to the bank online banking for secondary account information entry, which simplifies the online clearing operation process and improves the online clearing efficiency.
  • the invention provides an online clearing method.
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • the online clearing device may be a PC, or may be a portable terminal device having a display function, such as a smart phone, a tablet computer, or a portable computer.
  • the online clearing device may include a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the online clearing device may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • sensors such as light sensors, motion sensors, and other sensors.
  • the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display according to the brightness of the ambient light, and the proximity sensor may turn off the display and/or when the mobile terminal moves to the ear. Backlighting.
  • the gravity acceleration sensor can detect the magnitude of acceleration in each direction (usually three axes), and can detect the magnitude and direction of gravity when stationary, and can be used to identify the posture of the mobile terminal (such as horizontal and vertical screen switching, Related games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer, tapping), etc.; of course, the mobile terminal can also be equipped with other sensors such as gyroscope, barometer, hygrometer, thermometer, infrared sensor, etc. No longer.
  • the online clearing device structure shown in FIG. 1 does not constitute a limitation to the terminal, and may include more or less components than those illustrated, or combine some components, or different component arrangements. .
  • an operating system may be included in the memory 1005 as a computer storage medium.
  • a network communication module may be included in the memory 1005 as a computer storage medium.
  • a user interface module may be included in the memory 1005 as a computer storage medium.
  • an online clearing program may be included in the memory 1005 as a computer storage medium.
  • the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server;
  • the user interface 1003 is mainly used to connect the client (user end), and perform data communication with the client;
  • the processor 1001 can be used to call the online clearing program stored in the memory 1005 and perform the following operations:
  • the account information of the clearing account including the account opening bank information
  • processor 1001 can call the online clearing program stored in the memory 1005, and also performs the following operations:
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • processor 1001 can call the online clearing program stored in the memory 1005, and also performs the following operations:
  • processor 1001 can call the online clearing program stored in the memory 1005, and also performs the following operations:
  • processor 1001 can call the online clearing program stored in the memory 1005, and also performs the following operations:
  • FIG. 2 is a schematic flowchart diagram of a first embodiment of an online clearing method according to the present invention, where the method includes:
  • Step S10 creating a clearing account in the trading platform system, where the account information of the clearing account includes the account opening bank information;
  • the trading platform in this embodiment is mainly used for online transactions between financial institutions, wherein online trading products include various financial products such as currency, foreign exchange, and securities.
  • online trading products include various financial products such as currency, foreign exchange, and securities.
  • the buyer first needs to create a clearing account in the trading platform system, and the account information of the clearing account should include the account opening bank information, and the purchaser passes the bank account.
  • Bank accounts enable payment for purchased financial products.
  • the transaction platform system may receive a creation instruction of the user, and display an account information entry interface of the clearing account according to the creation instruction, and the user inputs the transaction account name, the account number, and the account opening bank information through the display interface, wherein the account opening bank information includes an account opening bank. Name, account bank outlet, account opening name, account opening account type and bank account number.
  • the trading platform system can also automatically identify the large payment line number (the unique identification number of the bank opening outlet) of the bank opening outlet through the bank of the account opening bank, and save the same as the account opening bank information in the clearing account. In the account information.
  • the trading platform system can verify the account information, such as determining whether the trading account name is duplicated with the created clearing account, whether the user has checked the online clearing service agreement, etc. When the verification is passed, the trading platform creates a corresponding clearing account in the system.
  • each clearing account corresponds to different bank opening information, so that subsequent users can select different clearing accounts as payment when performing payment clearing.
  • the account is used to achieve online clearing, which increases the user's online clearing path.
  • Step S20 Upon receiving the online clearing function activation request based on the clearing account, determine, according to the account opening bank information, whether the clearing account satisfies a preset online clearing function opening condition.
  • the user After creating the clearing account, the user also needs to activate the online clearing function of the clearing account. Specifically, the user triggers an online clearing function activation request based on the created clearing account, and after receiving the online clearing function activation request, the trading platform system determines whether the clearing account satisfies the preset online according to the account opening bank information of the clearing account. The clearing function is enabled.
  • the online clearing function opening condition can be flexibly set.
  • the trading platform system can obtain the name of the issuing bank in the bank information, and judge whether the bank has signed an online clearing service agreement with the platform system according to the account opening name. , determining whether the clearing account satisfies the preset online clearing function opening condition; for example, the trading platform system may invoke the system interface of the issuing bank according to the account opening bank information and obtain the return value of the issuing bank system to verify the account opening information. Whether the name of the account opening account, the type of account opening account and the bank account number are valid or not, and if so, whether the clearing account satisfies the preset online clearing function opening condition; of course, the trading platform system can also be signed in the account opening bank and the platform system. When both the online clearing service agreement and the account opening information are valid, it is determined whether the clearing account satisfies the preset online clearing function opening condition, and so on.
  • Step S30 if the clearing account satisfies the preset online clearing function opening condition, the online clearing function of the clearing account is activated;
  • the online clearing function of the clearing account is activated, otherwise the online clearing function of the clearing account is not activated.
  • the clearing account can be used as a payment account for the user to conduct online transactions on the trading platform.
  • Step S40 when receiving the payment instruction triggered by the clearing account, sending the payment instruction to the account opening bank system corresponding to the account opening bank information according to the online clearing function of the clearing account, so as to open the account
  • the line system performs a corresponding transfer operation in accordance with the payment instruction.
  • the trading platform system When the user purchases the financial product on the trading platform, the user selects a clearing account as the payment account, and the trading platform system sends the payment instruction according to the online clearing function of the clearing account when receiving the payment instruction triggered by a clearing account.
  • the clearing account corresponding to the bank opening system, wherein the payment instruction includes payment account information, collection account information, and payment amount, and the bank opening system performs a corresponding payment operation according to the payment instruction, that is, the user accounts at the account opening account of the account opening bank.
  • the account is allocated.
  • the bank opening system returns the payment success information
  • the trading platform system displays the payment success information to the user front end, thereby completing the online liquidation of the financial product.
  • the transaction platform system and the account opening bank system of the embodiment are connected in a direct connection manner, and the direct connection method depends on the cooperation relationship between the transaction platform and the account opening bank, and the transaction platform system directly initiates the system to the account opening bank.
  • the transfer instruction is used for money transfer and is convenient to operate.
  • a clearing account is created in the trading platform system, the account information of the clearing account includes the account opening bank information; and when the online clearing function opening request based on the clearing account is received, according to the account opening bank information Determining whether the clearing account satisfies a preset online clearing function opening condition; if yes, opening an online clearing function of the clearing account; and upon receiving a payment instruction triggered by the clearing account, according to the clearing account
  • the online clearing function sends the payment instruction to the bank opening system corresponding to the account opening bank information, so that the bank issuing system performs a corresponding drawing operation according to the payment instruction.
  • the user of the present invention creates a clearing account in the trading platform system and activates the online clearing function of the clearing account.
  • the trading platform system can directly send a payment instruction to the issuing bank system through the created clearing account, thereby The deposit bank system performs the corresponding transfer operation, and the process does not need to jump to the bank online banking for secondary account information entry, thereby simplifying the online clearing operation process and improving the online clearing efficiency.
  • FIG. 3 is a schematic diagram of a refinement process of determining, according to the bank account information, whether the clearing account satisfies a preset online clearing function provisioning condition according to the account opening information.
  • the step of determining, according to the account opening information, whether the clearing account satisfies a preset online clearing function opening condition may include:
  • Step S21 determining, according to the account opening bank information, whether the clearing account needs to be verified by the clearing account;
  • the trading platform system is receiving the liquidation based on the settlement.
  • the first clearing account may be used to determine whether the clearing account needs to be verified by the clearing account.
  • Step S22 obtaining the verification information of the clearing account from the account opening bank system, and verifying the verification information of the temporary cabinet;
  • Step S23 when the verification of the verification information of the counter is passed, determining that the clearing account satisfies a preset online clearing function opening condition;
  • the trading platform system If the clearing account needs to be verified by the counter, the trading platform system outputs a prompt message to prompt the user that the clearing account needs to be verified by the counter.
  • the user needs to carry relevant materials (platform authorization, ID card, etc.) to the bank, and Fill in the agreement (the tripartite agreement between the platform and the bank) provided by the bank, and the bank teller will sign the application information into the pedestrian system.
  • the bank system will send the application verification certificate to the trading platform system.
  • the trading platform system verifies the verification information of the temporary cabinet, including verifying whether the customer contract information and the account information of the clearing account are matched, etc., when the verification information of the counter is verified, the trading platform system determines that the clearing account satisfies the preset
  • the online clearing function is opened and the online clearing function of the clearing account is activated.
  • Step S24 calling the account opening system interface to verify the account opening information
  • Step S25 When the account opening information verification passes, it is determined that the clearing account satisfies a preset online clearing function opening condition.
  • the trading platform system calls the system interface of the issuing bank corresponding to the clearing account and obtains the return value of the issuing bank system, thereby verifying the account opening information entered by the user, for example, verifying the account opening.
  • the name of the account opening account, the type of account opening account and the bank account number in the line information are valid or not.
  • the trading platform system determines that the clearing account satisfies the preset online clearing function opening condition.
  • step S21 may include:
  • Step S211 determining, according to the name of the account opening bank, whether the account opening bank is a preset account opening bank, and if yes, determining that the clearing account needs to be verified by the clearing account.
  • the transaction platform system may pre-set the name of the account opening bank that needs the user to verify the verification of the cabinet, and subsequently determine whether the account opening bank in the clearing account is the default account opening bank, and may obtain the name of the account opening bank in the account opening bank information, if obtained If the name of the bank to be issued matches the name of the default bank, it is determined that the clearing account needs to be verified.
  • the trading platform system can also determine that the clearing account needs to be verified by means of a pre-set bank opening point or a large amount of bank account number that requires the user to verify the counter. The specific judgment method is similar to the name of the bank. , will not repeat them here.
  • the offline verification of the cabinet further ensures the security of the user account and the authenticity of the account information, and provides a prerequisite for subsequent online clearing.
  • FIG. 4 is a schematic flowchart diagram of a second embodiment of the online clearing method according to the present invention.
  • the method may further include:
  • Step S50 Receive a result of the payment returned by the account opening bank system, and display the result of the payment on the front end of the trading platform system.
  • the bank opening system in order to enable the user to know the result of the payment, the bank opening system returns the result of the payment to the trading platform system after the banknote operation is performed, and after receiving the result of the payment returned by the bank opening system, the trading platform system will The result of the transfer is displayed at the front end of the user. Specifically, if the deposit bank system successfully makes a payment, the information of the successful transfer is returned to the front end of the trading platform system to prompt the user to succeed in the transaction; if the bank transfer system fails to fail, the reason for the failure (such as insufficient account balance, The account has been cancelled, etc.) and returned to the front end of the trading platform system to prompt the user to fail the transaction. At this time, the user can implement corresponding remedial measures according to the failure reason, such as account recharge and replacement of the clearing account.
  • the failure reason such as account recharge and replacement of the clearing account.
  • FIG. 5 is a schematic flowchart diagram of a third embodiment of the online clearing method according to the present invention.
  • the second embodiment of the online clearing method according to the present invention may further include: after step S50:
  • Step S60 Generate a liquidation report of the clearing account according to the payment result, and save the clearing report to a historical transaction database of the trading platform system.
  • the trading platform system may generate a liquidation statement of the clearing account according to the result of the payment, and save the clearing report to the historical transaction database, wherein the clearing report may include a clearing flow ledger, a clearing reconciliation overview, and a clearing reconciliation detail , clearing log query, clearing exception query and other reports.
  • the clearing report may include a clearing flow ledger, a clearing reconciliation overview, and a clearing reconciliation detail , clearing log query, clearing exception query and other reports.
  • the user can check the clearing report for reconciliation and abnormality.
  • the user can also monitor and count the purchase of financial products through the clearing report.
  • the invention also provides an online clearing device.
  • the online clearing device of the invention comprises:
  • a creating module configured to create a clearing account in the trading platform system, where the account information of the clearing account includes the account opening bank information;
  • a determining module configured to determine, according to the account opening bank information, whether the clearing account satisfies a preset online clearing function opening condition when receiving an online clearing function provisioning request based on the clearing account;
  • a provisioning module configured to open an online clearing function of the clearing account if the clearing account satisfies a preset online clearing function opening condition
  • a sending module configured to send, according to the online clearing function of the clearing account, the payment instruction to the account opening bank system corresponding to the account opening bank when receiving the payment instruction triggered by the clearing account, so as to enable the The account opening bank system performs a corresponding transfer operation according to the payment instruction.
  • the determining module is further configured to:
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • the account opening information includes an account opening name
  • the determining module is further configured to:
  • the online clearing device further includes:
  • a display module configured to receive the result of the payment returned by the bank opening system, and display the result of the payment at the front end of the trading platform system.
  • the online clearing device further includes:
  • a generating module configured to generate a clearing report of the clearing account according to the payment result, and save the clearing report to a historical transaction database of the trading platform system.
  • the invention also provides an online clearing device.
  • the online clearing device of the present invention comprises: a memory, a processor, and an online clearing program stored on the memory and operable on the processor, the online clearing program being executed by the processor to implement the following steps :
  • the account information of the clearing account including the account opening bank information
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • the account opening bank information includes an account bank name
  • the online clearing program is further executed by the processor when the following steps are performed:
  • the invention also provides a computer readable storage medium.
  • the computer-readable storage medium of the present invention stores a wired clearing program, and when the online clearing program is executed by the processor, the following steps are implemented:
  • the account information of the clearing account including the account opening bank information
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the bank verification information of the clearing account is obtained from the bank account system, and the verification information of the counter is verified;
  • the billing bank system interface is invoked to check the account opening information; when the clearing account information is verified, the clearing account is determined to meet the preset Online clearing function is enabled.
  • the account opening bank information includes an account bank name
  • the online clearing program is further executed by the processor when the following steps are performed:
  • portions of the technical solution of the present invention that contribute substantially or to the prior art may be embodied in the form of a software product stored in a storage medium (such as a ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present invention.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

Abstract

一种线上清算方法，方法包括：在交易平台系统中创建清算账户，清算账户的账户信息包括开户行信息（S10）；在接收到基于清算账户的线上清算功能开通请求时，根据开户行信息判断清算账户是否满足预设的线上清算功能开通条件（S20）；若是，则开通清算账户的线上清算功能（S30）；在接收到基于清算账户触发的支付指令时，根据清算账户的线上清算功能将支付指令发送给开户行信息对应的开户行系统，以使开户行系统根据支付指令执行相应的划款操作（S40）。还公开了一种线上清算设备和一种计算机可读存储介质。能够简化线上清算操作过程，提高线上清算效率。

Description

线上清算方法、装置、设备及计算机可读存储介质
本申请要求于2017年7月7日提交中国专利局、申请号为201710550492.5、发明名称为“线上清算方法、设备及计算机可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本发明涉及互联网技术领域，尤其涉及线上清算方法、装置、设备及计算机可读存储介质。
背景技术
随着互联网金融的不断发展，越来越多的金融产品开始支持线上清算。目前，金融产品在进行线上交易时，交易平台普遍是以跳转至银行网银的形式实行划款清算，如用户在交易平台上购买了某金融产品并选择网银支付方式，此时交易页面将跳转至相应的网上银行支付页面，用户需要输入网上银行账户和密码登录网上银行，然后再输入相应的支付口令或支付密码完成支付。这种方式的不足之处在于：在进行支付清算时还需跳转至银行网银页面，并输入相关账户信息，操作过程较为繁琐，清算效率较低。
发明内容
本发明的主要目的在于提出一种线上清算方法、装置、设备及计算机可读存储介质，旨在简化线上清算操作过程，提高线上清算效率。
为实现上述目的，本发明提供一种线上清算方法，所述线上清算方法包括如下步骤：
在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
若是，则开通所述清算账户的线上清算功能；
在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
可选地，所述根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件的步骤包括：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
可选地，所述开户行信息包括开户行名称，所述根据所述开户行信息判断所述清算账户是否需要办理临柜验证的步骤包括：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
可选地，所述线上清算方法还包括：
接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
可选地，所述接收所述开户行系统返回的划款结果，并将所述划款结果在所述交易平台系统前端进行展示的步骤之后，还包括：
根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
此外，为实现上述目的，本发明还提供一种线上清算装置，所述线上清算装置包括：
创建模块，用于在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
判断模块，用于在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
开通模块，用于若所述清算账户满足预设的线上清算功能开通条件，则开通所述清算账户的线上清算功能；
发送模块，用于在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
此外，为实现上述目的，本发明还提供一种线上清算设备，所述线上清算设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的线上清算程序，所述线上清算程序被所述处理器执行时实现如下步骤：
在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
若是，则开通所述清算账户的线上清算功能；
在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
可选地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
可选地，所述开户行信息包括开户行名称，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
可选地，所述线上清算程序被所述处理器执行时还实现如下步骤：
接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
可选地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有线上清算程序，所述线上清算程序被处理器执行时实现如下步骤：
在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
若是，则开通所述清算账户的线上清算功能；
在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
可选地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
可选地，所述开户行信息包括开户行名称，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
可选地，所述线上清算程序被所述处理器执行时还实现如下步骤：
接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
可选地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
本发明在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；若是，则开通所述清算账户的线上清算功能；在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。通过上述方式，本发明用户在交易平台系统中创建清算账户并开通清算账户的线上清算功能，在后续交易时，交易平台系统可通过创建的清算账户直接向开户行系统发送支付指令，从而使开户行系统执行相应的划款操作，该过程无需跳转至银行网银进行二次账户信息录入，从而简化了线上清算操作过程，提高了线上清算效率。
附图说明
图1是本发明实施例方案涉及的硬件运行环境的设备结构示意图；
图2为本发明线上清算方法第一实施例的流程示意图；
图3为图2中根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件步骤的细化流程示意图；
图4为本发明线上清算方法第二实施例的流程示意图；
图5为本发明线上清算方法第三实施例的流程示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明实施例的主要解决方案是：在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；若是，则开通所述清算账户的线上清算功能；在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
现有技术中，金融产品在进行线上交易时，交易平台普遍是以跳转至银行网银的形式实行划款清算，这种方式的不足之处在于：在进行支付清算时还需跳转至银行网银页面，并输入相关账户信息，操作过程较为繁琐，清算效率较低。
本发明用户在交易平台系统中创建清算账户并开通清算账户的线上清算功能，在后续交易时，交易平台系统可通过创建的清算账户直接向开户行系统发送支付指令，从而使开户行系统执行相应的划款操作，该过程无需跳转至银行网银进行二次账户信息录入，从而简化了线上清算操作过程，提高了线上清算效率。
本发明提供一种线上清算方法。
如图1所示，图1是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本发明实施例线上清算设备可以是PC，也可以是智能手机、平板电脑、便携计算机等具有显示功能的可移动式终端设备。
如图1所示，该线上清算设备可以包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口、无线接口。网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，线上清算设备还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。其中，传感器比如光传感器、运动传感器以及其他传感器。具体地，光传感器可包括环境光传感器及接近传感器，其中，环境光传感器可根据环境光线的明暗来调节显示屏的亮度，接近传感器可在移动终端移动到耳边时，关闭显示屏和/或背光。作为运动传感器的一种，重力加速度传感器可检测各个方向上（一般为三轴）加速度的大小，静止时可检测出重力的大小及方向，可用于识别移动终端姿态的应用（比如横竖屏切换、相关游戏、磁力计姿态校准）、振动识别相关功能（比如计步器、敲击）等；当然，移动终端还可配置陀螺仪、气压计、湿度计、温度计、红外线传感器等其他传感器，在此不再赘述。
本领域技术人员可以理解，图1中示出的线上清算设备结构并不构成对终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及线上清算程序。
在图1所示的终端中，网络接口1004主要用于连接后台服务器，与后台服务器进行数据通信；用户接口1003主要用于连接客户端（用户端），与客户端进行数据通信；而处理器1001可以用于调用存储器1005中存储的线上清算程序，并执行以下操作：
在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
若是，则开通所述清算账户的线上清算功能；
在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
进一步地，处理器1001可以调用存储器1005中存储的线上清算程序，还执行以下操作：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
进一步地，处理器1001可以调用存储器1005中存储的线上清算程序，还执行以下操作：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
进一步地，处理器1001可以调用存储器1005中存储的线上清算程序，还执行以下操作：
接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
进一步地，处理器1001可以调用存储器1005中存储的线上清算程序，还执行以下操作：
根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
基于上述硬件结构，提出本发明线上清算方法各个实施例。
参照图2，图2为本发明线上清算方法第一实施例的流程示意图，所述方法包括：
步骤S10，在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
本实施例中的交易平台主要用于金融机构之间的在线交易，其中，在线交易产品包括货币、外汇、有价证券等各类金融产品。在购买方（用户）通过交易平台购买销售方销售的金融产品时，购买方首先需要在交易平台系统中创建清算账户，该清算账户的账户信息应包括开户行信息，购买方通过该开户行的银行账户实现对购买的金融产品进行付款。
具体地，交易平台系统可以接收用户的创建指令，根据该创建指令显示清算账户的账户信息录入界面，用户通过该显示界面输入交易账户名称、账号及开户行信息，其中，开户行信息包括开户行名称、开户行网点、开户账户名称、开户账户类型及银行账号等信息。可选地，交易平台系统还可以通过开户行网点自动识别出该开户行网点的大额支付行号（开户行网点的唯一标识号码），并将其作为开户行信息一并保存在清算账户的账户信息中。
在用户录入清算账户的账户信息之后，交易平台系统可以对该账户信息进行校验，如判断交易账户名称是否和已创建的清算账户重复、用户是否已勾选同意线上清算服务协议等，若校验通过，则交易平台在系统中创建对应的清算账户。
需要说明的是，用户可以根据实际需要在交易平台系统中创建多个清算账户，每个清算账户对应不同的开户行信息，如此，后续用户在进行支付清算时，能够选择不同的清算账户作为支付账户以实现线上清算，增加了用户的线上清算途径。
步骤S20，在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件。
在创建清算账户之后，用户还需要开通该清算账户的线上清算功能。具体地，用户基于创建的清算账户触发线上清算功能开通请求，交易平台系统在接收到该线上清算功能开通请求后，根据清算账户的开户行信息判断该清算账户是否满足预设的线上清算功能开通条件。
其中，线上清算功能开通条件可以进行灵活设置，比如，交易平台系统可以获取开户行信息中的开户行名称，根据该开户名称判断该开户行是否和平台系统签署了线上清算服务协议，若是，则判定清算账户是否满足预设的线上清算功能开通条件；又如，交易平台系统可以根据开户行信息调用该开户行的系统接口并获取开户行系统的返回值，以验证开户行信息中的开户账户名称、开户账户类型及银行账号是否存在或是否有效，若是，则判定清算账户是否满足预设的线上清算功能开通条件；当然，交易平台系统也可以在开户行和平台系统签署了线上清算服务协议、开户行信息有效两个条件同时满足时，判定清算账户是否满足预设的线上清算功能开通条件，等等。
步骤S30，若所述清算账户满足预设的线上清算功能开通条件，则开通所述清算账户的线上清算功能；
如果清算账户满足预设的线上清算功能开通条件，则开通清算账户的线上清算功能，否则不开通清算账户的线上清算功能。
当清算账户开通线上清算功能之后，该清算账户即可作为用户在交易平台进行在线交易的支付账户。
步骤S40，在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
用户在交易平台上购买金融产品时，选择一个清算账户作为支付账户，交易平台系统在接收到基于某个清算账户触发的支付指令时，根据该清算账户的线上清算功能将该支付指令发送给该清算账户对应的开户行系统，其中，支付指令包括付款账户信息、收款账户信息和支付数额，开户行系统根据支付指令执行相应的划款操作，即通过用户在开户行的开户账户向收款账户进行划款。在划款成功时，开户行系统返回支付成功信息，交易平台系统将支付成功信息展示给用户前端，由此，完成了金融产品的线上清算。
需要说明的是，本实施例的交易平台系统和开户行系统是以直连方式连接，该直连方式依赖于交易平台和开户行之间的合作关系，交易平台系统直接通过向开户行系统发起划款指令进行款项划拨，操作方便。
在本实施例中，在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；若是，则开通所述清算账户的线上清算功能；在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。通过上述方式，本发明用户在交易平台系统中创建清算账户并开通清算账户的线上清算功能，在后续交易时，交易平台系统可通过创建的清算账户直接向开户行系统发送支付指令，从而使开户行系统执行相应的划款操作，该过程无需跳转至银行网银进行二次账户信息录入，从而简化了线上清算操作过程，提高了线上清算效率。
进一步地，参照图3，图3为图2中根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件步骤的细化流程示意图。基于上述图2所示的实施例，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件的步骤可以包括：
步骤S21，根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
对于某些开户行或开户账户类型，为确保账户安全，其可能要求客户办理临柜验证，临柜验证即客户前往开户行现场进行验证，考虑到这种情况，交易平台系统在接收到基于清算账户的线上清算功能开通请求时，可以首先根据清算账户的开户行信息判断该清算账户是否需要办理临柜验证。
若所述清算账户需要办理临柜验证，则执行：
步骤S22，从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；
步骤S23，在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若该清算账户需要办理临柜验证，则交易平台系统输出提示信息以提示用户该清算账户需要办理临柜验证，此时用户需要携带相关材料（平台授权书、身份证等）前往开户行，并填写开户行提供的协议（平台、银行和客户之间的三方协议）签约申请书，银行柜员将协议签约申请信息录入行方系统后，由行方系统向交易平台系统发送包含协议签约申请的临柜验证信息，交易平台系统对该临柜验证信息进行校验，包括验证客户签约信息与清算账户的账户信息是否匹配等，在临柜验证信息校验通过时，交易平台系统判定该清算账户满足预设的线上清算功能开通条件，并开通该清算账户的线上清算功能。
若所述清算账户不需要办理临柜验证，则执行：
步骤S24，调用所述开户行系统接口对所述开户行信息进行校验；
步骤S25，在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
若该清算账户不需要办理临柜验证，则交易平台系统调用与清算账户对应的开户行的系统接口并获取开户行系统的返回值，从而对用户录入的开户行信息进行校验，比如验证开户行信息中的开户账户名称、开户账户类型及银行账号是否存在或是否有效等，在开户行信息校验通过时，交易平台系统判定该清算账户满足预设的线上清算功能开通条件。
进一步地，上述步骤S21可以包括：
步骤S211，根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
具体地，交易平台系统可以预先设定需要用户办理临柜验证的开户行名称，后续判断清算账户中的开户行是否为预设开户行时，可以获取开户行信息中的开户行名称，若获取到的开户行名称和预设开户行名称匹配，则判定该清算账户需要办理临柜验证。此外，交易平台系统还可以通过预先设定需要用户办理临柜验证的开户行网点或开户行大额支付行号等方式判断该清算账户需要办理临柜验证，具体的判断方式类似于开户行名称，此处不再赘述。
本实施例通过线下的临柜验证，进一步确保了用户账户安全和账户信息的真实可靠性，为后续线上清算提供了前提保证。
进一步地，参照图4，图4为本发明线上清算方法第二实施例的流程示意图。基于本发明线上清算方法第一实施例，在步骤S40之后，还可以包括：
步骤S50，接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
在本实施例中，为使用户获知划款结果，开户行系统在执行划款操作之后，将划款结果返回至交易平台系统，交易平台系统接收到开户行系统返回的划款结果后，将划款结果在用户前端进行展示。具体地，若开户行系统划款成功，则将划款成功的信息返回至交易平台系统前端以提示用户本次交易成功；若开户行系统划款失败，则将失败原因（如账户余额不足，账户已被注销等）返回至交易平台系统前端，以提示用户本次交易失败，此时用户可以根据失败原因实施相应的补救措施，比如账户充值、更换清算账户等。
进一步地，参照图5，图5为本发明线上清算方法第三实施例的流程示意图。基于本发明线上清算方法第二实施例，在步骤S50之后，还可以包括：
步骤S60，根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
在本实施中，交易平台系统可以根据划款结果生成清算账户的清算报表，并将清算报表保存至历史交易数据库中，其中，清算报表可以包括清算流水总账、清算对账总览、清算对账明细、清算日志查询、清算异常查询等报表。当发生清算异常时，用户可以通过查看清算报表进行对账和异常排查，此外，用户还可以通过清算报表实现对金融产品购买情况的监控和统计。
本发明还提供一种线上清算装置。
本发明线上清算装置包括：
创建模块，用于在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
判断模块，用于在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
开通模块，用于若所述清算账户满足预设的线上清算功能开通条件，则开通所述清算账户的线上清算功能；
发送模块，用于在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
进一步地，所述判断模块还用于：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
进一步地，所述开户行信息包括开户行名称，所述判断模块还用于：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
进一步地，所述线上清算装置还包括：
展示模块，用于接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
进一步地，所述线上清算装置还包括：
生成模块，用于根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
上述各模块所实现的功能可参照本发明线上清算方法实施例，此处不再赘述。
本发明还提供一种线上清算设备。
本发明线上清算设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的线上清算程序，所述线上清算程序被所述处理器执行时实现如下步骤：
在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
若是，则开通所述清算账户的线上清算功能；
在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
进一步地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
进一步地，所述开户行信息包括开户行名称，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
进一步地，所述线上清算程序被所述处理器执行时还实现如下步骤：
接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
进一步地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
其中，在所述处理器上运行的线上清算程序被执行时所实现的方法可参照本发明线上清算方法实施例，此处不再赘述。
本发明还提供一种计算机可读存储介质。
本发明计算机可读存储介质上存储有线上清算程序，所述线上清算程序被处理器执行时实现如下步骤：
在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
若是，则开通所述清算账户的线上清算功能；
在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
进一步地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
进一步地，所述开户行信息包括开户行名称，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
进一步地，所述线上清算程序被所述处理器执行时还实现如下步骤：
接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
进一步地，所述线上清算程序被所述处理器执行时还实现如下步骤：
根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
其中，在所述处理器上运行的线上清算程序被执行时所实现的方法可参照本发明线上清算方法实施例，此处不再赘述。
需要说明的是，在本文中，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、物品或者系统不仅包括那些要素，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、物品或者系统所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (20)

  1. 一种线上清算方法，其特征在于，所述线上清算方法包括如下步骤：
    在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
    在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
    若是，则开通所述清算账户的线上清算功能；
    在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
  2. 如权利要求1所述的线上清算方法，其特征在于，所述根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件的步骤包括：
    根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
    若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
    若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
  3. 如权利要求2所述的线上清算方法，其特征在于，所述开户行信息包括开户行名称，所述根据所述开户行信息判断所述清算账户是否需要办理临柜验证的步骤包括：
    根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
  4. 如权利要求1所述的线上清算方法，其特征在于，所述线上清算方法还包括：
    接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
  5. 如权利要求4所述的线上清算方法，其特征在于，所述接收所述开户行系统返回的划款结果，并将所述划款结果在所述交易平台系统前端进行展示的步骤之后，还包括：
    根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
  6. 一种线上清算装置，其特征在于，所述线上清算装置包括：
    创建模块，用于在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
    判断模块，用于在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
    开通模块，用于若所述清算账户满足预设的线上清算功能开通条件，则开通所述清算账户的线上清算功能；
    发送模块，用于在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
  7. 如权利要求6所述的线上清算装置，其特征在于，所述判断模块还用于：
    根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
    若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
    若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
  8. 如权利要求7所述的线上清算装置，其特征在于，所述开户行信息包括开户行名称，所述判断模块还用于：
    根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
  9. 如权利要求6所述的线上清算装置，其特征在于，所述线上清算装置还包括：
    展示模块，用于接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
  10. 如权利要求9所述的线上清算装置，其特征在于，所述线上清算装置还包括：
    生成模块，用于根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
  11. 一种线上清算设备，其特征在于，所述线上清算设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的线上清算程序，所述线上清算程序被所述处理器执行时实现如下步骤：
    在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
    在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
    若是，则开通所述清算账户的线上清算功能；
    在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
  12. 如权利要求11所述的线上清算设备，其特征在于，所述线上清算程序被所述处理器执行时还实现如下步骤：
    根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
    若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
    若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
  13. 如权利要求12所述的线上清算设备，其特征在于，所述线上清算程序被所述处理器执行时还实现如下步骤：
    根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
  14. 如权利要求11所述的线上清算设备，其特征在于，所述线上清算程序被所述处理器执行时还实现如下步骤：
    接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
  15. 如权利要求14所述的线上清算设备，其特征在于，所述线上清算程序被所述处理器执行时还实现如下步骤：
    根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
  16. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有线上清算程序，所述线上清算程序被处理器执行时实现如下步骤：
    在交易平台系统中创建清算账户，所述清算账户的账户信息包括开户行信息；
    在接收到基于所述清算账户的线上清算功能开通请求时，根据所述开户行信息判断所述清算账户是否满足预设的线上清算功能开通条件；
    若是，则开通所述清算账户的线上清算功能；
    在接收到基于所述清算账户触发的支付指令时，根据所述清算账户的线上清算功能将所述支付指令发送给所述开户行信息对应的开户行系统，以使所述开户行系统根据所述支付指令执行相应的划款操作。
  17. 如权利要求16所述的计算机可读存储介质，其特征在于，所述线上清算程序被处理器执行时还实现如下步骤：
    根据所述开户行信息判断所述清算账户是否需要办理临柜验证；
    若所述清算账户需要办理临柜验证，则从所述开户行系统获取所述清算账户的临柜验证信息，并对所述临柜验证信息进行校验；在所述临柜验证信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件；
    若所述清算账户不需要办理临柜验证，则调用所述开户行系统接口对所述开户行信息进行校验；在所述开户行信息校验通过时，判定所述清算账户满足预设的线上清算功能开通条件。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述开户行信息包括开户行名称，所述线上清算程序被处理器执行时还实现如下步骤：
    根据所述开户行名称判断所述开户行是否为预设开户行，若是，则判定所述清算账户需要办理临柜验证。
  19. 如权利要求16所述的计算机可读存储介质，其特征在于，所述线上清算程序被处理器执行时还实现如下步骤：
    接收所述开户行系统返回的划款结果，将所述划款结果在所述交易平台系统前端进行展示。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，所述线上清算程序被处理器执行时还实现如下步骤：
    根据所述划款结果生成所述清算账户的清算报表，将所述清算报表保存至所述交易平台系统的历史交易数据库中。
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