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Fund management method, device, equipment and program product

A fund management and capital technology, applied in finance, prepayment scheme, data processing application, etc., can solve the problems of not fundamentally protecting the rights and interests of customers and irreversible loss of customer funds.

Pending Publication Date: 2022-03-18
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although this method has reduced the occurrence of incidents of running away with money on the operator’s platform to a certain extent, it has not fundamentally protected the rights and interests of customers. Once the incident of running away with money on the operator’s platform occurs, the customer’s fund loss is difficult to recover

Method used

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  • Fund management method, device, equipment and program product
  • Fund management method, device, equipment and program product
  • Fund management method, device, equipment and program product

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Embodiment Construction

[0047] In order to make the purpose and technical solution of the present application clearer, the present application will be described in detail below in conjunction with the accompanying drawings and embodiments.

[0048] It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application. It should also be understood that the acquisition, storage, use, and processing of data involved in the technical solution of this application all comply with the relevant provisions of national laws and regulations.

[0049] As mentioned above, the current fund management and control in the pre-payment scenario only reduces the occurrence of incidents of running away with money on the operator platform, but does not fundamentally protect the rights and interests of customers. Once there is an incident of running away with money on the operator platform , The customer's capital loss is...

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PUM

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Abstract

The invention relates to the technical field of data access, in particular to a fund management method and device, equipment and a program product. According to the method, a customer signs a contract with a third-party platform, the customer signs a contract with an operator platform, and the operator platform signs a contract with a third-party mechanism, pre-paid money of the customer is placed in a pre-paid account of the third-party platform, and the operator platform needs to extract the amount in the pre-paid account. The contract constraint condition signed by the operator platform and the third-party mechanism needs to be met, that is, the third-party platform sets a transaction authorization authority for the drawing of a pre-payment account in the third-party platform and a collection account of the operator platform. Wherein the pre-payment account is the account of the customer, the fund of the pre-payment account is still in the account of the customer, the operator platform does not need to be given in advance, when the operator platform initiates a deduction request, the transaction authorization authority needs to be met, and meanwhile the rights and interests of the operator platform and the customer are guaranteed.

Description

technical field [0001] The present application relates to the technical field of data access, and in particular, relates to a fund management method, device, equipment and program product. Background technique [0002] The prepayment system is that the customer signs a contract with the operator platform, and then pays part of the funds to the operator platform in advance according to the signed contract. specific as figure 1 As shown, the customer 100 will make a prepayment to the operator platform 200 before consumption occurs, and after the customer 100 consumes on the operator platform 200, the prepaid funds will be deducted. The customer 100 can purchase products from the operator platform 200 in advance by way of prepayment, and enjoy certain discounts. The operator platform 200 can quickly withdraw funds, and can analyze the consumption of the customer 100, so as to provide the customer 100 with better services. The operator platform can be understood as a business...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/28G06Q20/40G06Q40/04
CPCG06Q20/28G06Q40/04G06Q20/4014
Inventor 季青松
Owner CHINA CONSTRUCTION BANK