WO2019109956A1

WO2019109956A1 - Category ii account-based payment method, payment system, and readable storage medium

Info

Publication number: WO2019109956A1
Application number: PCT/CN2018/119391
Authority: WO
Inventors: 王甲甲
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2017-12-08
Filing date: 2018-12-05
Publication date: 2019-06-13
Also published as: CN108038683A; CN108038683B

Abstract

A category II account-based payment method, a payment system, and a computer readable storage medium. The method comprises the following steps: acquiring account information of a category II account in response to a transaction payment request based on the category II account (S1); determining whether the category II account is linked with a fund account (S2); if the category II account is linked with a fund account, initiating and sending, to an account issuing party of the category II account, a request for paying a corresponding transaction sum to a payment receiving account corresponding to the transaction payment request, and generating a bill for the fund account (S3); and settling the bill in the fund account under a pre-determined settlement condition (S4). The invention enables a user to use a category II account to complete a transaction with a non-linked account and a non-purchase payment, and eliminates payment limit restrictions.

Description

Payment method, payment system and readable storage medium based on second-class account

This application claims priority to Chinese patent application filed on December 8, 2017, the Chinese Patent Office, application number 201711294037.X, and the invention titled "payment method based on the second type of account, payment system and computer readable storage medium" , the entire contents of which are incorporated by reference in the application.

Technical field

The present application relates to the field of payment technologies, and in particular, to a payment method based on a second type account, a payment system, and a computer readable storage medium.

Background technique

In order to increase risk management, the bank account is managed hierarchically in China. Set up a full-featured account with an account opened by a traditional bank counter that meets all the strict requirements of the real-name system. Depositors can use one type of account to handle deposits, purchase financial products such as investment and wealth management products, withdraw cash, transfer, consumption and payment; depositors can make consumer payments and financial payments through the second-class accounts, but cannot access cash or Transfer to non-bonded accounts, with a payment limit; three types of accounts have account fund limits, depositors can only handle small-scale consumption and payment through three types of accounts, and can not handle other business.

Due to the establishment of the bank account grading system, when the user makes a payment through the second type account, the user will be limited by the payment limit and the payment cannot be completed.

Therefore, it is necessary to provide a new payment method to solve the above technical problems.

Summary of the invention

The main purpose of the present application is to provide a payment method based on a second-class account, a payment system, and a computer-readable storage medium, which are intended to solve the technical problem that the payment limit cannot be completed due to the limitation of the payment limit when paying through the second-class account.

To achieve the above objective, the present application provides a payment method based on a second type account, the method comprising the following steps:

Acquiring account information of the second type account in response to a transaction payment request based on the second type account;

Determining whether the second type of account is bound to a fund account;

When the second type account is bound with the fund account, the account issuer of the second type account initiates a request for the corresponding transaction amount to be paid to the payment account corresponding to the transaction payment request, and generates a corresponding transaction amount to the fund account. Bill

The bill is liquidated within the fund account under preset clearing conditions.

The application also provides a payment system comprising:

a second type account payment response module, configured to obtain account information of the second type account in response to a transaction payment request based on the second type account;

a judging module, configured to determine whether the second type account is bound to a fund account;

a payment module, configured to, when the second type account is bound with a fund account, initiate a request to the account issuer of the second type account to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and The fund account generates a bill;

The clearing module is configured to clear the bill in the fund account under preset clearing conditions.

The present application provides a payment system including a communication unit, a storage unit, a processing unit, and a computer program stored on the storage unit and operable on the processing unit, the processing unit performing the The computer program implements the steps of the second type account based payment method as described above.

The present application provides a computer readable storage medium having stored thereon a computer program that, when accessed by a processing unit, implements the steps of a second type account based payment method as described above.

In the technical solution provided by the present application, the function of using the second-class account financial payment is not limited by the payment limit, and the method of the account issuer advances, so that the payment can be completed through the second-type account, and is not subject to the payment limit and the transaction account. Binding account restrictions.

DRAWINGS

1 is a schematic flowchart of a first embodiment of a payment method according to the present application;

2 is a schematic flowchart of a second embodiment of a payment method according to the present application;

3 is a schematic flowchart of a third embodiment of a payment method according to the present application;

4 is a schematic flowchart of a fourth embodiment of a payment method according to the present application;

FIG. 5 is a schematic flowchart of a fifth embodiment of a payment method according to the present application;

6 is a schematic flowchart of a sixth embodiment of a payment method according to the present application;

7 is a schematic flowchart of a seventh embodiment of a payment method according to the present application;

FIG. 8 is a schematic structural diagram of a module of a mobile terminal according to an embodiment of the present application;

FIG. 9 is a schematic structural diagram of a module of a mobile terminal according to another embodiment of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

The technical solutions in the embodiments of the present application are clearly and completely described in the following with reference to the drawings in the embodiments of the present application. It is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

In addition, the descriptions of "first", "second", and the like in this application are used for descriptive purposes only, and are not to be construed as indicating or implying their relative importance or implicitly indicating the number of technical features indicated. Thus, features defining "first" or "second" may include at least one of the features, either explicitly or implicitly. In the description of the present application, the meaning of "a plurality" is at least two, such as two, three, etc., unless specifically defined otherwise.

In the following description, the suffixes such as "module," "component," or "unit" used to denote an element are merely illustrative for the benefit of the present application, and have no particular meaning per se. Therefore, "module", "component" or "unit" can be used in combination.

In addition, the technical solutions between the various embodiments of the present application may be combined with each other, but must be based on the realization of those skilled in the art, and the combination of technical solutions should be considered when the combination of technical solutions is contradictory or impossible to implement. It does not exist and is not covered by the scope of protection required by this application.

The application proposes a payment method based on a second type account, a payment system and a computer readable storage medium.

Referring to FIG. 1, the present application is based on a schematic flowchart of a first embodiment of a payment method for a second-class account. The payment method 200 includes the following steps:

Step S1: Acquire account information of the second type account in response to a transaction payment request based on the second type account;

Specifically, the second type of account is a restricted account, such as having a daily payment limit, and/or an annual payment limit, and/or having no transfer function to an unbound account, and/or an account having no cash access function. . The transaction payment request specifically includes a payment account, a transaction amount, and a collection account, and may also include a payment property, a transaction time, a transaction location, and the like. The nature of the payment is consumer payment, transfer payment, repayment payment, and the like. The transaction payment request based on the second type account is specifically, when the transaction payment request is generated, the payment account that agrees to complete the transaction payment request is the second type account. The account information may specifically include the owner information of the second type account, the account balance of the second type account, related account information bound to the second type account, and the account issuer of the second type account. Agreement, etc.

Step S2, determining whether the second type account is bound to a fund account;

The fund account is an account for managing and recording changes in the types and quantities of user transaction funds. In this implementation, the fund account bound to the second-class account is a fund account established based on the second-class account, so that the fund account is submitted to the fund management company through the commission-issuing business of the account issuer. Purchase or redemption application.

Step S3, when the second type account is bound with the fund account, requesting the account issuer of the second type account to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and The fund account generates a bill;

The account issuer establishes the second-class account and provides financial services to the user through the second-class account, for example, Bank of China, China Construction Bank, and the like. The account issuer receives the advance payment request and advances the corresponding transaction amount according to the advance payment request to the payment account corresponding to the transaction payment request.

The bill may specifically include the transaction amount, the interest agreed by the account issuer and the second type account, the fund redemption fee, the transaction fee, and the like.

In step S4, the bill is cleared in the fund account under preset clearing conditions.

The account issuer and the second-type account stipulate the preset clearing conditions, for example, real-time clearing, daily clearing, and monthly clearing, and when the agreed clearing date is reached, the fund account The bill is cleared; it can also be agreed to be liquidated by the amount. For example, when the amount paid by the issuer of the account reaches 2000 thousand RMB, the bill is cleared by the fund account.

In fact, in daily life, since the second-class account opening procedure is relatively simple, functional restrictions are imposed to increase its security. When a non-consumer payment is initiated based on the second type of account, or a transfer payment is made like an unbound account, or the transaction amount exceeds the daily payment limit and the annual payment limit, the payment behavior cannot be completed.

In this embodiment, the function of using the second type of account financial payment is not limited by the payment limit, and the method of the account issuer advances, so that the payment can be completed through the second type account, and is not tied to the payment limit and the transaction account. Limit the account.

Please refer to FIG. 2, which is a flowchart of a method for the second-class account-based payment method 201 in the second embodiment of the present application. In the second embodiment, the step S1, the step S2 and the step S4 of the second-class account-based payment method 201 are the same as those in the first embodiment, and are not described here again; the difference is that the step S3 is specific. Includes the following steps:

Step S31, when the second type account is bound with the fund account, determining whether there is a credit agreement between the second type account and the issuer of the account;

The credit agreement may be a credit signed between the second type account and the issuer of the account, specifically limiting the rights and obligations of the two, and limiting the credit line, the credit range, etc., to agree on the issuing direction of the account. A payment behavior in which the nature of payment is made, and the amount of the transaction is credited to the amount of the transaction, and the issuer of the account is required to recover the advancement behavior after the occurrence of the payment.

Step S32, when there is a credit agreement between the second type account and the account issuer, according to the credit agreement, the account issuer of the second type account initiates payment to the collection account corresponding to the transaction payment request. A corresponding transaction amount request and a bill is generated to the fund account.

By the credit agreement, in which case, the account issuer of the second type account initiates a request to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, thereby completing the account issuance The party makes advances against the second-class accounts to avoid non-user-desired consumption, such as bank card fraud.

Please refer to FIG. 3, which is a flowchart of a method for the second-class account-based payment method 202 in the third embodiment of the present application. In the third embodiment, the step S1, the step S2, the step S4 and the step S31 of the second-class account-based payment method 202 are the same as those in the second embodiment, and are not described herein again; The credit agreement includes the maximum credit line and the default type of credit fund;

Preferably, the predetermined type of credit fund is a money fund or a bond fund with a small investment risk. Of course, the second type account and the issuer of the account may also agree that the predetermined type of credit fund is a stock fund, In the present embodiment, the default type of credit fund is a money fund. The credit fund is also a kind of money fund, and may also be a plurality of types of money funds, for example, the credit fund may be the A fund of the fund management company of the account issuer, and the account. The B fund of the A fund management company sold by the issuer and the C fund of the C fund management company sold by the issuer of the account.

The step S32 specifically includes the following steps:

Step S321, when there is a credit agreement between the second type account and the account issuer, determine whether the transaction amount is greater than the maximum credit limit;

Step S322, when the transaction amount is less than or equal to the maximum credit limit, determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount;

Step S323, when the credit fund asset value is greater than or equal to the transaction amount, according to the credit agreement, requesting to the account issuer to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request And generating a bill to the fund account;

For example, the credit agreement stipulates that the maximum credit line is 10,000 yuan, and the credit fund in the fund account is a 20,000-yuan money fund, that is, the credit fund has a net asset value of 20,000 yuan, which is equal to the transaction. The credit agreement stipulates that the maximum credit line is 10,000 yuan, and the credit fund is 10,000 shares of the subscribed money fund and 10,000 shares of the subscribed money fund, that is, the credit fund has a net asset value of 2 Ten thousand yuan is equal to the transaction amount.

Step S324, when the net asset value of the credit fund is less than the transaction amount, the fund account initiates a purchase application of the predetermined type of credit fund to the fund management company, and according to the credit agreement, the second type account is The account issuer initiates a request to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and generates a bill to the fund account, wherein the purchase amount of the purchase request of the preset type of credit fund is greater than or It is equal to the difference between the net asset value and the transaction amount.

Preferably, when the fund account leaves idle funds of the unpurchased fund, the idle funds are preferentially used to initiate the purchase request of the predetermined type of credit fund to the fund management company; when the amount of the idle funds is less than the net asset value When the difference between the transaction amount and the transaction amount, funds may be transferred to the fund account through the second type account, and then the purchase request of the predetermined type of credit fund is initiated to the fund management company.

Please refer to FIG. 4, which is a flowchart of a method for the second-class account-based payment method 203 in the fourth embodiment of the present application. In the fourth embodiment, the steps S1, S2, and S3 of the second-class account-based payment method 203 are the same as those in the third embodiment, and are not described herein again; the difference is that the bill includes the transaction. The amount, or the sum of the transaction amount and the interest; the step S4 specifically includes the following steps:

Step S401, under the preset clearing condition, in the fund account, initiate a redemption application to the fund management company corresponding to the credit fund, wherein the redemption amount of the redemption application is equal to the transaction amount. Or the sum of the transaction amount and interest;

Specifically, the interest may be calculated from the transaction amount, the interest rate, the bill generation date, and the settlement date.

Step S402, in the fund account, the fund management company initiates a request for delivery of the redemption money to the account issuer to complete the liquidation of the bill.

It can be understood by those skilled in the art that after the fund account initiates the redemption application, the fund management company pays the redemption payment to the account issuer for the redemption application, and the account issuer is at the office. The fund account pays the redemption. However, since the credit agreement and the bill exist between the fund account and the account issuer, the account issuer directly uses the redemption money for the liquidation of the bill, and no longer applies to the fund. The account pays the redemption.

The redemption amount of the redemption application is equal to the sum of the transaction amount and the interest, which can be understood as a loan behavior between the user and the issuer of the account, and the issuer of the account charges interest for the loan behavior. The user repays the loan through the redemption, and the information obtained by the credit fund is obtained by the user between the bill generation date and the clearing date.

The clearing of the bill is completed by initiating the redemption application. Thereby, the transfer behavior of the unbound account using the second type account is avoided, and the payment limit set by the second type account is also avoided.

Please refer to FIG. 5, which is a flowchart of a method for the second-class account-based payment method 204 in the fifth embodiment of the present application. In the fifth embodiment, the steps S1, S2, and S3 of the second-class account-based payment method 204 are the same as those in the third embodiment, and are not described herein again; the difference is that the bill includes the transaction. The equal amount of the credit fund corresponding to the amount; the step S4 specifically includes the following steps:

Step S411, under the preset clearing condition, in the fund account, initiate a fund share transfer application or redemption application to the fund management company corresponding to the credit fund, and the transfer share of the transfer application or the redemption application The redemption share is the share of the equal credit fund and its interest during the bill generation date to the liquidation date;

The interest is the dividend obtained by the credit fund from the bill generation date to the clearing date.

Step S412, in the fund account, the fund management company initiates a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer to complete the Describe the liquidation of the bill.

Specifically, the fund account initiates a share transfer to the fund issuer to the fund issuer, and after the fund management company makes a transfer behavior, the fund management company, the account issuer, and the fund No funds transfer occurs between accounts. After receiving the fund share transferred by the fund management company based on the fund share transfer application, the account issuer may continue to hold the fund share or initiate redemption of the fund share.

The maximum difference between the second type account based payment method 204 and the second type account based payment method 203 is that the fund account and the account issuer are calculated differently for the transaction amount, based on the In the payment method 203 of the second type account, the bill between the fund account and the account issuer is calculated in monetary units; in the second type account based payment method 204, the fund account and the fund account The bill between the issuers of the account is calculated by share.

Please refer to FIG. 6, which is a flowchart of a method for the second-class account-based payment method 205 in the sixth embodiment of the present application. In the sixth embodiment, the steps S411 and S412 of the second-class account-based payment method 205 are the same as those in the fifth embodiment, and are not described herein again; the difference is that the bill further includes interest; Step S4 also includes the following steps:

Step S413, under the preset clearing condition, in the fund account, initiate a fund share transfer application or redemption application to the fund management company corresponding to the credit fund, and the transfer share or the redemption of the transfer application The redemption share of the application is the equivalent credit fund corresponding to the interest;

Step S414, in the fund account, the fund management company initiates a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer to complete the Describe the liquidation of the bill.

Please refer to FIG. 7, which is a flowchart of a method for the second-class account-based payment method 206 in the seventh embodiment of the present application. In the seventh embodiment, the step S1, the step S2, the step S3, and the step S4 of the second-class account-based payment method 206 are the same as those in the first embodiment, and are not described herein again; Before step S1, the method further includes:

Step S5, obtaining a payment two-dimensional code, and obtaining transaction payment data according to the payment two-dimensional code parsing;

Step S6: Generate a transaction payment request based on the second type account according to the transaction payment data.

QR code (Quick Response, QR) is to record data symbol information in a black and white pattern distributed on a plane by a certain geometry according to a certain rule; using "0" and "1" bit streams constituting the internal logic of the computer in code preparation The concept uses several geometric shapes corresponding to binary to represent literal numerical information, and is automatically read by an image input device or an optical scanning device to realize automatic information processing. The user can obtain the payment two-dimensional code by having an image input device or a photoelectric scanning device, and the payment two-dimensional code is arranged in a regular pattern in a geometric pattern to store the transaction payment data, and the device having the function of analyzing the two-dimensional code The payment two-dimensional code is parsed to obtain the transaction data.

Please refer to FIG. 8 , which is a schematic structural diagram of a module of a mobile terminal according to an embodiment of the present application. The application also provides a payment system 100, the payment system 100 comprising:

The second type account payment response module 1 is configured to obtain account information of the second type account in response to a transaction payment request based on the second type account;

The determining module 2 is configured to determine whether the second type account is bound to a fund account;

a payment module 3, configured to, when the second-class account is bound with a fund account, initiate a request to the account issuer of the second-type account to advance the corresponding transaction amount to the collection account corresponding to the transaction payment request, and Generate bills to the fund account;

The clearing module 4 is configured to clear the bill in the fund account under preset clearing conditions.

In this embodiment, the function of using the second-type account wealth payment by the payment module 3 is not limited by the payment limit, and the payment by the account issuer is made, so that the payment can be completed through the second-type account, and is not subject to the payment limit and the transaction. Whether the account account is a limit for binding accounts. Through the clearing module 4, the account issuer advances the behavior by recovering from the fund account.

Further, the determining module 2 is further configured to determine, when the second type account is bound with a fund account, whether there is a credit agreement between the second type account and the issuer of the account;

The payment module 3 is further configured to: when the credit agreement exists between the second type account and the account issuer, initiate an account payment request corresponding to the account issuer of the second type account according to the credit agreement The collection account advances the request for the corresponding transaction amount and generates a bill to the fund account.

Further, the determining module 2 is further configured to: when a credit agreement exists between the second type account and the account issuer, determine whether the transaction amount is greater than the maximum credit limit, and when the transaction amount is less than Or equal to the maximum credit limit, determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount;

The payment module 3 is further configured to: when the credit fund asset value is greater than or equal to the transaction amount, initiate a corresponding payment to the account issuer corresponding to the transaction payment request according to the credit agreement; a request for a transaction amount, and generating a bill to the fund account, and when the net asset value of the credit fund is less than the transaction amount, the fund account initiates a subscription application for the predetermined type of credit fund to the fund management company, And initiating, by the account issuer of the second-type account, a request to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and generating a bill to the fund account, wherein the preset The purchase amount of the application for the credit fund of the kind is greater than or equal to the difference between the net asset value and the transaction amount.

Further, the clearing module 4 specifically includes:

The initiating application module 41 is configured to initiate, within the fund account, a redemption application to the fund management company corresponding to the credit fund under the preset clearing condition, wherein the redemption amount of the redemption application is equal to The transaction amount, or equal to the sum of the transaction amount and interest;

The clearing module 42 is completed, in which the fund management company initiates a request to deliver the redemption to the account issuer to complete the liquidation of the bill.

Further, the initiating application module 41 is further configured to initiate a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund in the fund account under preset clearing conditions, where the transfer application is The redemption share of the transfer share or the redemption application is the share of the equal credit fund and its interest during the bill generation date to the liquidation date;

The completion clearing module 42 is further configured to, within the fund account, initiate, by the fund management company, to the account issuer to deliver the fund share transferred by the transfer application or the redemption of the redemption application. Request to complete the liquidation of the bill.

Further, the initiating application module 41 is further configured to initiate, in the fund account, a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund under the preset clearing condition, the transfer The transfer share of the application or the redemption share of the redemption application is an equal amount of the credit fund corresponding to the interest;

Within the fund account, the completion clearing module is further configured to initiate, by the fund management company, a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer To complete the liquidation of the bill.

Further, the payment system 100 further includes:

The two-dimensional code obtaining module 5 is configured to obtain a payment two-dimensional code, and obtain transaction payment data according to the payment two-dimensional code parsing;

The data generating module 6 generates a transaction payment request based on the second type account based on the transaction payment data.

Please refer to FIG. 9 , which is a schematic structural diagram of a module of a mobile terminal according to another embodiment of the present application. The present application also provides a payment system 101 including a communication unit 10, a storage unit 20, a processing unit 30, and a computer program stored on the storage unit 20 and operable on the processing unit 30. And the step of implementing the second class account based payment method as described in any of the foregoing embodiments when the processing unit 30 executes the computer program.

The present application also provides a computer readable storage medium having stored thereon a computer program that, when accessed by a processing unit, implements the steps of a second type account based payment method as described above.

In the description of the present specification, the descriptions of the terms "one embodiment", "another embodiment", "other embodiment", or "first embodiment to an Xth embodiment", etc. are meant to be combined with the embodiment or The specific features, structures, materials, or characteristics described in the examples are included in at least one embodiment or example of the application. In the present specification, the schematic representation of the above terms does not necessarily mean the same embodiment or example. Furthermore, the particular features, structures, materials, method steps or features described may be combined in a suitable manner in any one or more embodiments or examples.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, item, or system. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in a process, method, article, or system that includes the element, without further limitation.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as 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 the various embodiments of the present application.

The above description is only an optional implementation of the present application, and thus does not limit the scope of patents of the present application, and the equivalent structural transformations made by the contents of the specification and the drawings of the present application, or directly/indirectly Other related technical fields are included in the patent protection scope of the present application.

Claims

A payment method based on a second type of account, comprising the steps of:

Acquiring account information of the second type account in response to a transaction payment request based on the second type account;

Determining whether the second type of account is bound to a fund account;

When the second type account is bound with the fund account, the account issuer of the second type account initiates a request for the corresponding transaction amount to be paid to the payment account corresponding to the transaction payment request, and generates a corresponding transaction amount to the fund account. Bill

The bill is liquidated within the fund account under preset clearing conditions.
The second-class account-based payment method according to claim 1, wherein when the second-class account is bound with a fund account, the account issuer of the second-class account initiates a request for the transaction payment request. The payment account advances the request for the corresponding transaction amount and generates a bill for the fund account, which specifically includes:

When the second type account is bound with a fund account, it is determined whether there is a credit agreement between the second type account and the issuer of the account;

When there is a credit agreement between the second type account and the account issuer, the account issuer of the second type account is initiated to advance the corresponding transaction to the payment account corresponding to the transaction payment request according to the credit agreement. A request for the amount and a bill to the fund account.
The second-class account-based payment method according to claim 2, wherein the credit agreement includes a maximum credit limit and a predetermined type of credit fund;

When there is a credit agreement between the second type account and the account issuer, according to the credit agreement, the account issuer of the second type account initiates a corresponding payment account corresponding to the transaction payment request. The request for the transaction amount and the step of generating a bill to the fund account, including:

When there is a credit agreement between the second type account and the account issuer, determining whether the transaction amount is greater than the maximum credit limit;

Determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount when the transaction amount is less than or equal to the maximum credit amount;

When the net asset value of the credit fund is greater than or equal to the transaction amount, initiating a request to the account issuer to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request according to the credit agreement, and The fund account generates a bill;

When the net asset value of the credit fund is less than the transaction amount, the fund account initiates a subscription application for the predetermined type of credit fund to the fund management company, and the account issuer to the second-class account according to the credit agreement Initiating a request for the payment account corresponding to the transaction payment request to advance the corresponding transaction amount, and generating a bill to the fund account, wherein the purchase amount of the purchase request of the predetermined type of credit fund is greater than or equal to the said The difference between the net asset value and the transaction amount.
The second-class account-based payment method according to claim 3, wherein the bill includes the transaction amount, or a sum of the transaction amount and interest;

The step of clearing the bill in the fund account under the preset clearing conditions includes:

And in the fund account, in the fund account, initiating a redemption application to the fund management company corresponding to the credit fund, wherein the redemption amount of the redemption application is equal to the transaction amount, or equal to the The sum of the transaction amount and interest;

Within the fund account, a request for delivery of a redemption payment is initiated by the fund management company to the account issuer to complete the liquidation of the bill.
The payment method based on the second type account according to claim 3, wherein the bill includes an equal amount of credit funds corresponding to the transaction amount;

The step of clearing the bill in the fund account under the preset clearing conditions includes:

Under a predetermined liquidation condition, in the fund account, a fund share transfer application or a redemption application is initiated to the fund management company corresponding to the credit fund, and the transfer share of the transfer application or the redemption share of the redemption application The share of the equal credit fund and its interest rate during the billing date to the liquidation date;

Within the fund account, the fund management company initiates a request for delivery of the fund share transferred by the transfer application or the redemption of the redemption application to the account issuer to complete the billing Liquidation.
The payment method based on a second type of account according to claim 5, wherein said bill further includes interest;

The step of clearing the bill in the fund account under the preset clearing conditions further includes:

Under the predetermined liquidation condition, in the fund account, a fund share transfer application or a redemption application is initiated to the fund management company corresponding to the credit fund, and the transfer share of the transfer application or the redemption application The share of return is the same amount of credit fund corresponding to the interest;

Within the fund account, the fund management company initiates a request for delivery of the fund share transferred by the transfer application or the redemption of the redemption application to the account issuer to complete the billing Liquidation.
The second-class account-based payment method according to claim 1, wherein the step of acquiring the account information of the second-class account based on the transaction payment request of the second-class account further includes:

Obtaining a payment two-dimensional code, and obtaining transaction payment data according to the payment two-dimensional code parsing;

Based on the transaction payment data, a transaction payment request based on the second type account is generated.
A payment system, including:

a second type account payment response module, configured to obtain account information of the second type account in response to a transaction payment request based on the second type account;

a judging module, configured to determine whether the second type account is bound to a fund account;

a payment module, configured to, when the second type account is bound with a fund account, initiate a request to the account issuer of the second type account to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and The fund account generates a bill;

The clearing module is configured to clear the bill in the fund account under preset clearing conditions.
The payment system of claim 8 wherein said determining module 2 is further configured to determine whether a credit is present between said second type of account and said issuer of said account when said second type of account is bound with a fund account protocol;

The payment module is further configured to initiate, according to the credit agreement, an account issuer corresponding to the transaction payment request corresponding to the transaction issue request when the second type account and the account issuer have a credit agreement The collection account advances the request for the corresponding transaction amount and generates a bill to the fund account.
The payment system according to claim 9, wherein said credit agreement comprises a maximum credit limit and a predetermined type of credit fund;

The determining module is further configured to: when there is a credit agreement between the second type account and the account issuer, determine whether the transaction amount is greater than the maximum credit limit, and when the transaction amount is less than or equal to the When the maximum credit limit is reached, it is determined whether the net asset value of the credit fund in the fund account is greater than the transaction amount;

The payment module is further configured to: when the credit fund asset value is greater than or equal to the transaction amount, initiate a corresponding transaction to the account issuer corresponding to the transaction payment request according to the credit agreement; a request for the amount, and generating a bill to the fund account, and when the net asset value of the credit fund is less than the transaction amount, the fund account initiates a subscription application for the predetermined type of credit fund to the fund management company, according to The credit agreement initiates a request to the account issuer of the second type account to advance the corresponding transaction amount to the collection account corresponding to the transaction payment request, and generates a bill to the fund account, wherein the preset category The purchase amount of the subscription application of the credit fund is greater than or equal to the difference between the net asset value and the transaction amount.
A payment system according to claim 10, wherein said bill includes said transaction amount, or a sum of said transaction amount and interest;

The clearing module specifically includes:

And an initiation application module, configured to initiate, within the fund account, a redemption application to the fund management company corresponding to the credit fund under the preset liquidation condition, wherein the redemption amount of the redemption application is equal to the The transaction amount, or equal to the sum of the transaction amount and interest;

A clearing module is completed in which the fund management company initiates a request to deliver the redemption to the account issuer to complete the liquidation of the bill.
The payment system according to claim 10, wherein said bill includes an equal amount of credit funds corresponding to said transaction amount;

The initiating application module is further configured to initiate a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund in the fund account under a preset clearing condition, and the transfer share or the transfer application The redemption share of the redemption application is the share of the equal credit fund and its interest during the billing date to the liquidation date;

The completion clearing module is further configured to, within the fund account, request by the fund management company to deliver the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer To complete the liquidation of the bill.
The payment system of claim 12 wherein said bill further comprises interest;

The initiating application module is further configured to initiate, in the fund account, a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund under the preset clearing condition, and the transfer share of the transfer application Or the redemption share of the redemption application is an equal amount of the credit fund corresponding to the interest;

Within the fund account, the completion clearing module is further configured to initiate, by the fund management company, a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer To complete the liquidation of the bill.
The payment system of claim 8 wherein said payment system further comprises:

a two-dimensional code obtaining module, configured to obtain a payment two-dimensional code, and obtain transaction payment data according to the payment two-dimensional code parsing;

The data generation module generates a transaction payment request based on the second type account based on the transaction payment data.
A payment system, wherein the payment system includes a communication unit, a storage unit, a processing unit, and a computer program stored on the storage unit and operable on the processing unit, the processing unit executing the computer program The following steps are implemented:

Acquiring account information of the second type account in response to a transaction payment request based on the second type account;

Determining whether the second type of account is bound to a fund account;

When the second type account is bound with the fund account, the account issuer of the second type account initiates a request for the corresponding transaction amount to be paid to the payment account corresponding to the transaction payment request, and generates a corresponding transaction amount to the fund account. Bill

The bill is liquidated within the fund account under preset clearing conditions.
The payment system according to claim 15, wherein said processing unit further implements the following steps when said computer program is executed:

When the second type account is bound with a fund account, it is determined whether there is a credit agreement between the second type account and the issuer of the account;

When there is a credit agreement between the second type account and the account issuer, the account issuer of the second type account is initiated to advance the corresponding transaction to the payment account corresponding to the transaction payment request according to the credit agreement. A request for the amount and a bill to the fund account.
The payment system according to claim 16, wherein said credit protocol comprises a maximum credit limit and a predetermined type of credit fund; and said processing unit further implements the following steps when said computer program is executed:

When there is a credit agreement between the second type account and the account issuer, determining whether the transaction amount is greater than the maximum credit limit;

Determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount when the transaction amount is less than or equal to the maximum credit amount;

When the net asset value of the credit fund is greater than or equal to the transaction amount, initiating a request to the account issuer to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request according to the credit agreement, and The fund account generates a bill;

When the net asset value of the credit fund is less than the transaction amount, the fund account initiates a subscription application for the predetermined type of credit fund to the fund management company, and the account issuer to the second-class account according to the credit agreement Initiating a request for the payment account corresponding to the transaction payment request to advance the corresponding transaction amount, and generating a bill to the fund account, wherein the purchase amount of the purchase request of the predetermined type of credit fund is greater than or equal to the said The difference between the net asset value and the transaction amount.
A computer readable storage medium, wherein the computer readable storage medium stores a computer program, and when the computer program is accessed by the processing unit, the following steps are implemented:

Acquiring account information of the second type account in response to a transaction payment request based on the second type account;

Determining whether the second type of account is bound to a fund account;

When the second type account is bound with the fund account, the account issuer of the second type account initiates a request for the corresponding transaction amount to be paid to the payment account corresponding to the transaction payment request, and generates a corresponding transaction amount to the fund account. Bill

The bill is liquidated within the fund account under preset clearing conditions.
The computer readable storage medium of claim 18, wherein the computer program is further implemented by the processing unit when entering:

When the second type account is bound with a fund account, it is determined whether there is a credit agreement between the second type account and the issuer of the account;

When there is a credit agreement between the second type account and the account issuer, the account issuer of the second type account is initiated to advance the corresponding transaction to the payment account corresponding to the transaction payment request according to the credit agreement. A request for the amount and a bill to the fund account.
The computer readable storage medium of claim 19, wherein the credit protocol comprises a maximum credit limit and a predetermined type of credit fund;

When the computer program is accessed by the processing unit, the following steps are also implemented:

When there is a credit agreement between the second type account and the account issuer, determining whether the transaction amount is greater than the maximum credit limit;

Determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount when the transaction amount is less than or equal to the maximum credit amount;

When the net asset value of the credit fund is greater than or equal to the transaction amount, initiating a request to the account issuer to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request according to the credit agreement, and The fund account generates a bill;

When the net asset value of the credit fund is less than the transaction amount, the fund account initiates a subscription application for the predetermined type of credit fund to the fund management company, and the account issuer to the second-class account according to the credit agreement Initiating a request for the payment account corresponding to the transaction payment request to advance the corresponding transaction amount, and generating a bill to the fund account, wherein the purchase amount of the purchase request of the predetermined type of credit fund is greater than or equal to the said The difference between the net asset value and the transaction amount.