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Fund transaction control method, device and equipment and readable storage medium

A control method and transaction technology, applied in the fields of finance, data processing applications, instruments, etc., can solve the problems such as the inability to guarantee the real-time performance of online fund transactions and the inability to automatically complete the fund transaction process in real time, so as to ensure security and improve the degree of automation. Effect

Pending Publication Date: 2020-10-30
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, limited by objective factors, in the entire life cycle of capital transactions, especially when it comes to capital payment or settlement, more or less manual intervention is required, which cannot guarantee the real-time performance of online capital transactions and cannot be completed automatically and in real time The entire fund transaction process

Method used

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  • Fund transaction control method, device and equipment and readable storage medium
  • Fund transaction control method, device and equipment and readable storage medium
  • Fund transaction control method, device and equipment and readable storage medium

Examples

Experimental program
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Effect test

Embodiment 1

[0044] figure 1 It is a flow chart of the capital transaction control method in Embodiment 1 of the present invention. This embodiment is applicable to the situation of online capital transactions, and can effectively guarantee the security of funds in transactions. The method can be executed by a fund transaction control device, which can be implemented in the form of software and / or hardware, and can be configured in an electronic device, which can be a server and other devices with communication and computing capabilities. Such as figure 1 As shown, the method specifically includes:

[0045] S110. Obtain transaction subject information, where the transaction subject information includes trader identity information and bank account information.

[0046] Exemplarily, in the bidding scene, the subject matter that the bidder bids for is the transaction item. Transaction information can be, price, type and ownership, etc. First, the transaction manager inputs the transaction...

Embodiment 2

[0061] figure 2 It is a flow chart of the fund transaction control method in Embodiment 2 of the present invention. This embodiment is further optimized on the basis of Embodiment 1 above. Optionally, after calling the bank account interface in the bank account Before the second fund is settled according to the settlement method, an additional operation of "freezing the second fund in the bank account through the bank-guaranteed payment gateway" is added.

[0062] Such as figure 2 As shown, the method includes:

[0063] S210. Obtain transaction subject information, where the transaction subject information includes trader identity information and bank account information.

[0064] S220. When the first fund freezing condition is met, freeze the first fund with a set amount in the bank account corresponding to the bank account information after the identity information of the trader is verified through the bank guarantee payment gateway.

[0065] S230. When the second fund ...

Embodiment 3

[0073] image 3 It is a flow chart of the fund transaction control method in Embodiment 3 of the present invention. This Embodiment 3 is further optimized on the basis of the above embodiments. Optionally, after calling the bank account interface in the bank account Before the second fund is settled according to the settlement method, an additional operation of "generating a transaction order and sending the transaction order to the trader terminal and the transaction management terminal" is added.

[0074] Optionally, the operation "calling the bank account interface to settle the second fund in the bank account according to the settlement method" is subdivided into the operation "response to the order confirmation message sent by the trader terminal and the transaction Managing the order confirmation message sent by the terminal, updating the status of the transaction order to the settlement status; in response to the settlement status, calling the bank account interface to ...

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Abstract

The embodiment of the invention discloses a fund transaction control method, device and equipment and a readable storage medium. The fund transaction control method comprises the steps of obtaining transaction main body information, wherein the transaction main body information comprises trader identity information and bank account information; when a first fund freezing condition is satisfied, freezing a set amount of first fund in a bank account corresponding to the bank account information after the identity information of the trader is verified successfully through a bank guarantee paymentgateway; when a second fund settlement condition is satisfied, on the basis of the first fund, calculating a second fund required for reaching a set transaction price and a settlement mode of the second fund; and calling a bank account interface to settle the second fund in the bank account according to the settlement mode. According to the embodiment of the invention, the automation degree of fund transaction is improved, the fund security is ensured, and the fund transaction is safely and automatically carried out in real time.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of artificial intelligence, and in particular to the technical fields of information security and automation. Background technique [0002] With the rapid development of Internet technology and artificial intelligence technology, some capital transaction scenarios have migrated from offline trading platforms to online trading platforms, for example, scenarios involving capital transactions such as auctions, shopping, sales, and exchanges. [0003] At present, limited by objective factors, in the entire life cycle of capital transactions, especially when it comes to capital payment or settlement, more or less manual intervention is required, which cannot guarantee the real-time performance of online capital transactions and cannot be completed automatically and in real time The entire capital transaction process. Contents of the invention [0004] Embodiments of the present invent...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/02G06Q40/04
Inventor 丘群业骆国生何洁珍马林王海潮庞以新邓龙腾朱伙傅勇
Owner CHINA CONSTRUCTION BANK