Processing method and device for borrower account

Abstract

The present disclosure provides a processing method for a borrower's account, which belongs to the field of financial technology. The method includes: monitoring the borrower's account, wherein the borrower's account involves a financing event; and in response to monitoring that the borrower's account receives payables, notifying the credit system to perform a deduction operation on the borrower's account based on the financing event. The present disclosure also provides a processing device for a borrower's account, an electronic device, and a computer-readable storage medium.

Description

Technical Field

[0001] The present disclosure relates to the field of financial technology, and in particular to a method and device for processing a borrower's account, an electronic device, and a computer-readable storage medium. Background Art

[0002] Financing usually needs to be based on real trade information. The financing party, i.e. the borrower (such as a general corporate entity, a small or micro enterprise, or an individual, etc.), usually acts as a seller in a certain trade relationship and signs a trade contract with the buyer (such as a core enterprise, etc.), and applies for a loan from the lender (such as a bank) based on the trade amount with the buyer, such as a credit loan. In this process, the borrower needs to repay the loan in a timely manner in order to ensure his creditworthiness, so the payment from the buyer to the seller, i.e. the borrower, becomes the main source of repayment for the financing.

[0003] In the process of realizing the disclosed invention, the inventor found that after receiving payment, the borrower either needs to log in to the online banking system in person or go to the counter to repay the loan, which is troublesome and may even lead to delayed repayment; or the borrower may misappropriate funds after receiving payment, resulting in the inability to repay the loan. Both of the above situations will reduce the borrower's credit and bring risks to the bank's financing business. Summary of the invention

[0004] In view of this, the present disclosure provides a method and device for processing a borrower's account, an electronic device, and a computer-readable storage medium.

[0005] One aspect of the present disclosure provides a processing method for a borrower account, comprising: monitoring the borrower account, wherein the borrower account is involved in a financing event; and in response to monitoring that the borrower account receives payables, notifying a credit system to perform a deduction operation on the borrower account based on the financing event.

[0006] Optionally, the above-mentioned monitoring of the borrower's account includes at least one of the following: monitoring the above-mentioned borrower's account in response to receiving a payment message pushed by the payer for the above-mentioned borrower's account, wherein the above-mentioned payer is also involved in the above-mentioned financing event; monitoring the above-mentioned borrower's account in response to receiving a monitoring notification pushed by the above-mentioned credit system for the above-mentioned borrower's account.

[0007] Optionally, it also includes: before notifying the credit system to perform a deduction operation on the borrower account based on the financing event, determining whether the payer or the payer account that spent the above-mentioned payables is also involved in the above-mentioned financing event; wherein, in response to determining that the above-mentioned payer or the above-mentioned payer account is also involved in the above-mentioned financing event, notifying the above-mentioned credit system to perform a deduction operation on the borrower account based on the above-mentioned financing event.

[0008] Optionally, the method further includes: in response to determining that the payer or the payer account is not involved in the financing event, not notifying the credit system to perform a deduction operation on the borrower account.

[0009] Optionally, the above-mentioned payment message includes: the payee and the payment amount; the above-mentioned determination of whether the payee or the payee account who pays the above-mentioned payables is also involved in the above-mentioned financing event, including: determining whether the payee or the payee account who pays the above-mentioned payables is consistent with the above-mentioned payee contained in the above-mentioned payment message; determining whether the amount corresponding to the above-mentioned payables is consistent with the above-mentioned payment amount contained in the above-mentioned payment message; and in response to the payee being consistent and the payment amount being consistent, determining that the above-mentioned payee or the above-mentioned payee account is also involved in the above-mentioned financing event.

[0010] Optionally, the payment message includes: the payer, the payment amount and the payment time period; the method further includes: in response to not monitoring the payer paying the payment amount to the borrower account within the payment time period, feeding back the monitoring result to the payer who pushed the payment message.

[0011] Another aspect of the present disclosure provides a processing method for a borrower account, comprising: in response to receiving a deduction notice for the borrower account sent by a monitoring system, performing a deduction operation on the borrower account based on a financing event involving the borrower account; wherein the monitoring system is used to monitor the borrower account, and in response to monitoring that the borrower account receives the payable amount, sends the deduction notice to the credit system.

[0012] Optionally, the processing method further includes: before the monitoring system monitors the borrower account, obtaining a payment message pushed by the payer to the borrower account, wherein the payment message includes trade information; and determining whether both the payer and the borrower account are involved in the financing event based on the trade information; wherein, in response to determining that both the payer and the borrower account are involved in the financing event based on the trade information, notifying the monitoring system to monitor the borrower account.

[0013] Optionally, the processing method further includes: in response to determining based on the trade information that both the payer and the borrower account are involved in the financing event, verifying whether the borrower account is currently in a valid state; in response to the verification result indicating that the borrower account is currently in a valid state, notifying the monitoring system to monitor the borrower account.

[0014] Another aspect of the present disclosure provides a processing device for a borrower account, comprising: a monitoring module for monitoring the borrower account, wherein the borrower account involves a financing event; and a notification module for, in response to monitoring that the borrower account receives payables, notifying a credit system to perform a deduction operation on the borrower account based on the financing event.

[0015] Another aspect of the present disclosure provides a processing device for a borrower account, comprising: an execution module, for, in response to receiving a deduction notice for the borrower account sent by a monitoring system, performing a deduction operation on the borrower account based on a financing event involving the borrower account; wherein the monitoring system is used to monitor the borrower account and, in response to monitoring that the borrower account has received payables, send the deduction notice to the credit system.

[0016] Another aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the method of an embodiment of the present disclosure.

[0017] Another aspect of the present disclosure provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, enables the processor to implement the above method of the embodiment of the present disclosure.

[0018] Another aspect of the present disclosure provides a computer program product, including a computer program, which implements the method according to the embodiment of the present disclosure when executed by a processor.

[0019] According to the embodiments of the present disclosure, by adopting a technical means of monitoring the borrower's account and automatically deducting the money from the borrower's account when it is detected that the borrower's account has received the payable amount, problems such as late repayment or even inability to repay the loan due to the borrower's untimely operation or misappropriation of funds can be avoided, thereby reducing the business risks of the bank in financing. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] For a more complete understanding of the present disclosure and its advantages, reference will now be made to the following description taken in conjunction with the accompanying drawings, in which:

[0021] Figure 1 The system architecture of the processing method and device for a borrower account according to an embodiment of the present disclosure is schematically shown;

[0022] Figure 2 The application scenario of the processing method and device for a borrower account according to an embodiment of the present disclosure is schematically shown;

[0023] Figure 3 A flowchart of a method for processing a borrower's account according to an embodiment of the present disclosure is schematically shown;

[0024] Figure 4 A schematic diagram schematically shows monitoring of a borrower's account according to a payment message pushed by a payer according to an embodiment of the present disclosure;

[0025] Figure 5 A flowchart schematically shows another method for processing a borrower's account according to an embodiment of the present disclosure;

[0026] Figure 6 A flowchart for determining whether a payer or a payer account of a payable payment is involved in a financing event according to an embodiment of the present disclosure is schematically shown;

[0027] Figure 7 A flowchart schematically shows a notification monitoring system monitoring a borrower's account according to an embodiment of the present disclosure;

[0028] Figure 8 A flowchart schematically shows another method for processing a borrower's account according to an embodiment of the present disclosure;

[0029] Fig. 9 A block diagram of a processing device for a borrower's account according to an embodiment of the present disclosure is schematically shown;

[0030] Fig.10 A block diagram schematically shows another processing device for a borrower account according to an embodiment of the present disclosure; and

[0031] Fig.11 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0032] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0033] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0034] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0035] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0036] Some block diagrams and / or flow charts are shown in the accompanying drawings. It should be understood that some boxes or combinations thereof in the block diagrams and / or flow charts can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that these instructions can create a device for implementing the functions / operations described in these block diagrams and / or flow charts when executed by the processor. The technology of the present disclosure can be implemented in the form of hardware and / or software (including firmware, microcode, etc.). In addition, the technology of the present disclosure can take the form of a computer program product on a computer-readable storage medium storing instructions, which can be used by an instruction execution system or used in conjunction with an instruction execution system.

[0037] The embodiment of the present disclosure provides a processing method for a borrower's account and a device capable of applying the method. The method includes monitoring a borrower's account, wherein the borrower's account involves a financing event; in response to monitoring that the borrower's account receives a payable amount, notifying a credit system to perform a deduction operation on the borrower's account based on the financing event.

[0038] Figure 1 The system architecture of the processing method and device for the borrower account according to the embodiment of the present disclosure is schematically shown. It should be noted that: Figure 1 What is shown is merely an example of a system architecture to which the embodiments of the present disclosure can be applied, in order to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0039] like Figure 1 As shown, the system architecture 100 according to this embodiment may include an account system 101, a payment system 102, a monitoring system 103, and a credit system 104. The account system 101, the payment system 102, the monitoring system 103, and the credit system 104 perform data transmission and the like through a network, and the network may include various connection types, such as wired and / or wireless communication links and the like.

[0040] The payment system 102 can be installed in various electronic devices that have a display screen and support web browsing, including but not limited to smart phones, tablet computers, laptop computers, and the like.

[0041] The account system 101 is a system for managing bank accounts. The payment system 102 may be, for example, an APP with a payment function. The monitoring system 103 may be used to monitor the dynamics of each bank account in the account system 101, such as whether there is a change in funds; and may also be used to send notifications to the credit system 104. The credit system 104 may be used to perform a deduction operation on the corresponding account in the account system 101 in response to receiving a relevant deduction notification.

[0042] For example, an account of a user A is involved in a financing event, and the user is the borrower in this financing event. It should be noted that in a financing event, the financing party is the borrower, and in a certain trade relationship, the borrower usually signs a trade contract with the buyer as the seller, and applies for a loan from the lender (such as a bank) based on the trade amount with the buyer. Therefore, the payment from the buyer to the seller (i.e. the borrower) is usually the main source of repayment for financing.

[0043] In addition, it can be assumed that user B is the buyer in this financing event. Then, user B, as the buyer, signs a trade contract with user A (the seller). In the case of a shortage of funds, user A can apply for a loan from a lender (such as a bank) using the funds or goods involved in this contract as collateral to complete the order involved in this trade (such as producing a batch of goods). The loan amount can be equal to the amount of this trade. Then user A can use the trade payment paid by user B to repay the lender.

[0044] Thus, when user B pays the trade amount to the bank account provided by user A through the payment system 102, user B can push the payment message to the monitoring system 103 through the payment system 102. Based on the payment message, the monitoring system 103 can monitor the bank account provided by user A, for example, monitoring whether the account system 101 has any receipts or payments, etc. It should be understood that the account system 101 can be used to manage any bank account, including the bank account provided by user A.

[0045] When the monitoring system 103 detects that the bank account provided by user A receives the trade payment, the credit system 104 is notified to deduct the bank account. In response to receiving the notification, the credit system 104 deducts the bank account based on the financing event involving user A.

[0046] It should be understood that Figure 1 The number of account systems, payment systems, monitoring systems, and credit systems in the embodiment is only illustrative. Any number of account systems, payment systems, monitoring systems, and credit systems may be provided as required.

[0047] Figure 2 The application scenario of the processing method and device for a borrower account according to an embodiment of the present disclosure is schematically illustrated.

[0048] It should be noted that in a financing event, the financing party is usually the seller who signs a trade contract with the buyer in a trade relationship, while in a credit loan, for example, it is usually the borrower who applies for a loan from the lender based on the trade amount with the buyer and his own creditworthiness. Therefore, the payment from the buyer to the seller is usually the main source of repayment for the financing.

[0049] That is, the financing party is the borrower relative to the lending party, and is the seller relative to the purchaser. The purchaser is the payer relative to the seller. That is to say, in the embodiment of the present disclosure, the borrower is the financing party (relative to the lending party), and the payer is the purchaser (relative to the seller). The borrower makes a loan to the lending party based on the trade amount in the trade contract signed with the payer. The payer pays the trade amount to the borrower based on the trade amount in the trade contract signed with the borrower. The borrower uses the trade amount paid by the payer to repay the lending party.

[0050] In this application scenario, assume that there is a trade relationship between user A and user B. User B is a car manufacturer (i.e., seller) and user A is a car buyer (i.e., purchaser). User A orders a batch of cars from user B and promises to pay user B after the cars arrive. User B has applied for a loan from a bank based on the trade contract because he does not have enough funds to produce the batch of cars.

[0051] For example, based on the trade relationship between user A and user B, user A (payer) should pay user B 1 million yuan after receiving the ordered car. User B (borrower) should use the 1 million yuan to repay the bank (lender). In the disclosed embodiment, before paying user B 1 million yuan, user A can first send a payment message to the bank monitoring system or bank credit system (not shown in the figure) to notify that payment will be made to a certain bank account of user B. After receiving the payment message, the monitoring system can monitor the bank account of user B.

[0052] In the embodiment of the present disclosure, user A (payer) can transfer money to user B (borrower) through a client with a transfer function, such as an APP, wherein the operation interface of user A in the APP can be as follows: Figure 2 As shown in the payer interface 210, the payment account is the bank account of user A, the payee XX is user B, and correspondingly, the receiving account is the bank account of user B.

[0053] User B can check the transfer amount of user A (payer) through a client with transfer function, such as an APP. User B can check the transfer amount of user A (payer) through the operation interface of the APP. Figure 2 The borrower interface 220 is shown in the figure. The payer YY is user A. In this case, the monitoring system (not shown in the figure) detects that the account of user B has received the payable amount, and then notifies the credit system (not shown in the figure) to perform a deduction operation on the account of user B based on the financing event involving user B. The credit system receives the notification and deducts 1 million yuan from user B based on the financing event involving user B (user B should repay 1 million yuan).

[0054] According to an embodiment of the present disclosure, when the monitoring system detects that user B has spent the payable amount, the repayment information may be returned to user A (payer) and user B (borrower).

[0055] Figure 3 The flowchart of a processing method for a borrower's account according to an embodiment of the present disclosure is schematically shown. Figure 3 As shown, the method may include operations S310 to S320.

[0056] In operation S310 , a borrower account is monitored, wherein the borrower account is involved in a financing event.

[0057] According to an embodiment of the present disclosure, a borrower may be a user who lends money to a lender (e.g., a general corporate entity, a small or micro enterprise, or an individual, etc.). For example, if a user borrows money from a lender due to lack of start-up capital, the user may be a borrower.

[0058] For another example, in a financing event, the financing party, as the seller in a certain trade relationship, signs a trade contract with the buyer. The financing party applies for a loan from the lender based on the trade amount with the buyer. Therefore, the trade amount paid by the buyer to the financing party is the main source of repayment for the financing party to the lender. Then, the financing party is the borrower relative to the lender, and the buyer is the payer relative to the seller. The account of the financing party (i.e. the borrower) can be monitored.

[0059] For example, in a financing event, user B, as the financing party, obtains a loan from a bank to produce goods ordered by user A (purchaser) to user B (seller), and user B repays the loan with the money paid by user A. In this case, user B is the borrower and user A is the payer.

[0060] According to an embodiment of the present disclosure, the monitoring system can monitor the income and expenditure of the borrower's account within a period of time. For example, the collection of the borrower's account within the period from 5 days before the expected payment date to 5 days after the expected payment date can be monitored.

[0061] In operation S320, in response to monitoring that the borrower's account receives the payable amount, the credit system is notified to perform a deduction operation on the borrower's account based on the financing event.

[0062] According to an embodiment of the present disclosure, the amount payable may be the amount that the borrower should repay to the lender. For example, if a user borrows RMB 1 million from a lender, the user's account may be monitored, and in response to monitoring that the user's account has received RMB 1 million, the credit system may be notified to perform a deduction operation on the borrower's account based on the financing event, i.e., deduct RMB 1 million.

[0063] Alternatively, the payables can be the amount that the payee should pay to the borrower. As mentioned above, the borrower makes a loan to the lender based on the trade relationship with the payee. The payee pays the borrower the trade amount, and the borrower then repays the lender with the payment amount paid by the payee. The amount paid by the payee to the borrower is the payables.

[0064] According to the embodiments of the present disclosure, the monitoring system can monitor each income of the borrower's account within a period of time, and compare each income amount with the borrower's repayment amount (i.e., the amount to be returned to the lender). If the amount of a certain income of the borrower is consistent with the repayment amount, the credit system is notified to perform a deduction operation on the borrower's account based on the financing event.

[0065] Furthermore, the deduction operation performed on the borrower's account based on the financing event may be a one-time deduction of the amount paid by the payer, or a deduction of the amount payable by the borrower in each installment.

[0066] Through the embodiments of the present disclosure, the monitoring system is used to monitor the borrower account involved in the financing event. And when it is detected that the borrower account has received the payable amount, the credit system is notified to automatically perform a deduction operation on the borrower account according to the financing event. The repayment operation process of the borrower can be simplified. After monitoring that the borrower account has received the payable amount, the corresponding amount will be automatically deducted. The borrower does not need to log in to the online banking to manually repay the loan or repay the loan offline. At the same time, it can also avoid the problems of untimely repayment or even inability to repay the loan due to the borrower's untimely operation or misappropriation of funds.

[0067] According to an embodiment of the present disclosure, the monitoring of the borrower's account includes at least one of the following:

[0068] In response to receiving a payment message pushed by a payer to a borrower account, the borrower account is monitored, wherein the payer is also involved in the financing event.

[0069] In response to receiving a monitoring notification pushed by the credit system for the borrower's account, the borrower's account is monitored.

[0070] According to an embodiment of the present disclosure, before the payer pays the payable amount to the borrower's account, the payer may push a payment message to the monitoring system. Alternatively, before the payer pays the payable amount to the borrower's account, the payer may push a payment message to the credit system. The credit system receives the payment message and first determines whether the bank account receiving the payment from the payer involves a loan. If it is determined that the bank account involves a loan, the credit system sends a monitoring notification to the monitoring system, so that the monitoring system monitors the dynamics of the bank account in real time, so that the credit system can perform a deduction operation on the account in a timely manner.

[0071] Through the embodiments of the present disclosure, because of the technical means adopted in which when the payer pays the borrower's payables to the borrower's account, the payer pushes the payment information to the monitoring system and sends the payment information to the credit system, and then the credit system sends a monitoring notification to the monitoring system, the monitoring system can be informed of the payer's payment time, payment amount and other information in advance, thereby improving monitoring efficiency.

[0072] Figure 4 A schematic diagram schematically shows a method of monitoring a borrower's account based on a payment message pushed by a payer according to an embodiment of the present disclosure.

[0073] like Figure 4As shown, the payer can pay the payee's payable amount to the account system 401 where the borrower's account is located through the payment system 402. Before the payer pays the payable amount to the borrower, the payee sends a payment message to the credit system 404, wherein the payment message may include payee information, payee account information, and payment object information (i.e., the borrower).

[0074] The credit system 404 receives the payment message and sends a monitoring notification to the monitoring system 403. The monitoring notification may include payer information, payer account information, and monitoring object information (ie, the borrower).

[0075] The monitoring system 403 receives the monitoring notification and monitors the account of the monitoring object (borrower) involved in the monitoring notification. In response to monitoring that the borrower's account has received the payable amount, a deduction notification is sent to the credit system 404. The credit system 404 receives the deduction notification and, based on the financing event involved by the borrower, performs a deduction operation on the borrower's account.

[0076] Alternatively, in another case (not shown in the figure), the payer may pay the payee's payable amount to the account system 401 where the borrower's account is located through the payment system 402. Before the payer pays the payable amount to the borrower, the payment system 402 may send a payment message to the monitoring system 403. The payment message may include payee information, payee account information, and payment object information (i.e., the borrower).

[0077] The monitoring system 403 receives the payment message and monitors the account of the payment object (borrower) involved in the payment message. In response to monitoring that the borrower's account has received the payable amount, the payment message is sent to the credit system 404, wherein the payment message may include payer information, payer account information, and payment object information (i.e., the borrower).

[0078] The credit system 404 receives the payment message and sends a monitoring notification to the monitoring system 403. The monitoring notification may include payer information, payer account information, and monitoring object information (ie, the borrower).

[0079] The monitoring system 403 receives the monitoring notification and monitors the account of the monitoring object (borrower) involved in the monitoring notification. In response to monitoring that the borrower's account has received the payable amount, a deduction notification is sent to the credit system 404. The credit system 404 receives the deduction notification and, based on the financing event involved by the borrower, performs a deduction operation on the borrower's account.

[0080] Further, according to an embodiment of the present disclosure, before notifying the credit system to perform a deduction operation on the borrower's account based on the financing event, it is determined whether the payer or the payer account that pays the payable amount is also involved in the financing event.

[0081] According to the embodiments of the present disclosure, the monitoring system can monitor each income of the borrower's account within a period of time, and compare each income with the amount payable in the financing event involved by the borrower. When a certain income in the borrower's account is consistent with the amount of the payable, it is determined whether the payer or the payer's account that paid the amount is also involved in the financing event.

[0082] Further, in the case where the borrower is involved in at least one financing event, it is determined whether the payer or payer account that disburses the amount is also involved in one of the financing events.

[0083] For example, the first payer pre-orders a batch of goods from the borrower, and the second payer also pre-orders another batch of goods from the borrower. The borrower, based on the trade relationship with the first payer and the second payer, makes a loan from the lender, for example, a total loan of RMB 1 million, of which the trade amount between the first payer and the borrower is RMB 500,000, and the trade amount between the second payer and the borrower is RMB 500,000.

[0084] In an embodiment of the present disclosure, the borrower account is monitored. In response to monitoring that the borrower account receives a payable of 500,000 yuan from a first payer, it is determined whether the first payer who spent the 500,000 yuan is also involved in at least one financing event of the borrower. If it is determined that the first payer is involved in at least one financing event of the borrower, the credit system is notified to perform a deduction operation on the borrower account based on the financing event, such as performing a deduction operation on the borrower account based on a financing event of the borrower, that is, a payment of 500,000 yuan to the lender, based on a financing event of the borrower.

[0085] Preferably, before notifying the credit system to perform a deduction operation on the borrower's account based on the financing event, it is determined whether the payer or payer account that pays the payable amount is also involved in the same financing event as the financing event in the pushed payment message.

[0086] According to an embodiment of the present disclosure, in response to determining that the payer or the payer account is also involved in a financing event, the credit system is notified to perform a deduction operation on the borrower account based on the financing event.

[0087] Through the embodiments of the present disclosure, only when it is determined that the payer of the payable amount is also involved in the financing event involving the borrower, the borrower's account will be deducted, so that erroneous deductions from the borrower's account can be avoided.

[0088] According to an embodiment of the present disclosure, in response to determining that the payer or the payer account is not involved in a financing event, the credit system is not notified to perform a deduction operation on the borrower account.

[0089] According to the embodiments of the present disclosure, even if the amount received by the borrower may be consistent with the amount payable by the borrower, the payee who may pay the amount payable is not involved in the financing event involved by the borrower, so it can be determined that the amount paid by the payee or the payee account to the borrower is not the amount payable by the borrower. In this case, the credit system is not notified to perform the deduction operation on the borrower's account.

[0090] Through the embodiments of the present disclosure, when the payer who pays the payable amount to the borrower is not involved in the financing event in which the borrower is involved, the borrower's account will not be deducted, which can avoid erroneous deduction of the amount in the borrower's account.

[0091] Figure 5 A flowchart of another method for processing a borrower's account according to an embodiment of the present disclosure is schematically shown.

[0092] like Figure 5 As shown, in operation S510, before the payer (or payment account) pays the payable amount to the account system where the borrower's account is located through the payment system, the payment system may send a payment message to the monitoring system, wherein the payment message may include financing event information, borrower information, and payer (or payment account) information.

[0093] At operation S520, the monitoring system receives the payment message and monitors the borrower's account. At operation S530, the payer pays the payable to the borrower's account through the payment system. At operation S540, the monitoring system monitors that the borrower's account receives the payable and executes operation S550. At operation S550, the monitoring system determines whether the payer (or payment account) who pays the payable is also involved in the financing event of the borrower.

[0094] In operation S560, in response to the payee (or payment account) not involving the borrower's financing event, the deduction notification operation is not performed. In operation S570, in response to the payee (or payment account) also involving the borrower's financing event, the monitoring system sends a deduction notification to the credit system.

[0095] In operation S580, in response to receiving the deduction notice, a deduction operation is performed on the borrower's account. In operation S590, a deduction operation is performed on the borrower's account.

[0096] According to an embodiment of the present disclosure, the payment message pushed by the payer to the borrower's account includes: the payer and the payment amount.

[0097] According to an embodiment of the present disclosure, before paying the payable amount to the borrower, the payer sends a payment message to the monitoring system and / or the credit system, and the payment message includes the payer information and the amount paid by the payer to the borrower this time.

[0098] Figure 6 The flowchart of determining whether the payer or payer account of the payee's payment is involved in a financing event according to an embodiment of the present disclosure is schematically shown. Figure 6 As shown, the method may include operations S610 to S630:

[0099] Operation S610 is to determine whether the payer or the payer account of the payee who pays the payable amount is consistent with the payee included in the payment message.

[0100] According to an embodiment of the present disclosure, based on the payee information contained in the received payment message, it is determined whether the payee or payee account that pays the payable to the borrower is the payee or payee account contained in the payment message.

[0101] Operation S620: Determine whether the amount corresponding to the payable is consistent with the payment amount included in the payment message.

[0102] According to an embodiment of the present disclosure, based on the payment amount included in the received payment message, it is determined whether the amount to be paid to the borrower is consistent with the payment amount included in the payment message.

[0103] In operation S630, in response to the payee being consistent and the payment amount being consistent, it is determined that the payee or the payee account is also involved in the financing event.

[0104] Through the embodiments of the present disclosure, the payee and payment amount contained in the payment message pushed by the payer can be used to determine whether the payee who pays the payable is the payee contained in the payment message. Only when it is determined that the payee is the payee will the borrower's account be deducted, thereby avoiding the situation where the amount in the borrower's account is erroneously deducted.

[0105] According to an embodiment of the present disclosure, the payment message pushed by the payer to the borrower's account may also include: payer, payment amount and payment time period.

[0106] According to an embodiment of the present disclosure, in response to the fact that the payer has not been monitored to pay the payment amount to the borrower's account within the payment time period, the monitoring result is fed back to the payer who pushed the payment message.

[0107] According to an embodiment of the present disclosure, a payment time may be set, for example, 10 minutes. If 10 minutes after the monitoring system receives the payment message pushed by the payer to the borrower's account, the monitoring system has not detected that the borrower's account has received the payment amount paid by the payer to the borrower, then the monitoring result will be fed back to the payer, such as "the payment amount was not successfully received."

[0108] According to an embodiment of the present disclosure, a payment time can be set, for example, 20 minutes. 20 minutes after the credit system receives the payment message pushed by the payer to the borrower's account, the monitoring system has not detected that the borrower's account has received the payment amount paid by the payer to the borrower, and the monitoring system then feeds back the monitoring results to the payer.

[0109] Through the embodiments of the present disclosure, by monitoring whether the borrower's account has received the payment item within the payment time, it is possible to promptly find out whether the payer has payment failures during the payment process, and at the same time, the problem can be fed back to the payer in a timely manner, thereby avoiding risks during the payment process.

[0110] According to an embodiment of the present disclosure, a processing method for a borrower's account includes: in response to receiving a deduction notice for the borrower's account sent by a monitoring system, performing a deduction operation on the borrower's account based on a financing event involved in the borrower's account. The monitoring system is used to monitor the borrower's account, and in response to monitoring that the borrower's account receives payables, sends a deduction notice to the credit system.

[0111] According to an embodiment of the present disclosure, the monitoring system detects that the borrower's account has received payables and sends a notification to the credit system. In response to receiving the notification, the credit system performs a deduction operation on the borrower based on the financing event involving the borrower.

[0112] Through the embodiments of the present disclosure, since a technical solution is adopted in which the borrower's account is deducted only in response to receiving a deduction notice sent by the monitoring system, the borrower does not need to repay by himself, and the borrower's account can be automatically deducted, thereby avoiding the risk of the borrower misappropriating the repayment funds or overdue repayment.

[0113] Figure 7 The flowchart of monitoring the borrower's account by the notification monitoring system according to the embodiment of the present disclosure is schematically shown. Figure 7 As shown, the above method may further include operations S710 to S730:

[0114] Operation S710: Before the monitoring system monitors the borrower's account, a payment message pushed by the payer to the borrower's account is obtained, wherein the payment message includes trade information.

[0115] According to an embodiment of the present disclosure, before paying the payable amount to the borrower, the payer sends a payment message to the credit system, where the payment message includes trade information, such as payer information, payment amount, borrower information, and payment time period.

[0116] Operation S720 is to determine whether both the payer account and the borrower account are involved in the financing event based on the trade information.

[0117] According to an embodiment of the present disclosure, the credit system determines whether the payer and borrower accounts involved in the trade information are both involved in the financing event based on the trade information included in the acquired payment message.

[0118] Operation S730 , in response to determining that both the payer and the borrower account are involved in a financing event based on the trade information, notifying a monitoring system to monitor the borrower account.

[0119] According to an embodiment of the present disclosure, when both the payer and the borrower accounts are involved in a financing event, a monitoring notification is sent to the monitoring system, and the monitoring notification may include the borrower information and the monitoring duration.

[0120] According to an embodiment of the present disclosure, in response to the monitoring system receiving the monitoring notification, the borrower's account is monitored.

[0121] Through the embodiments of the present disclosure, since a technical means is adopted to monitor the borrower account involved in a financing event when it is determined that the payer who pushes the payment message is involved in the financing event, it is possible to avoid monitoring accounts that do not need to be monitored, thereby improving efficiency.

[0122] According to the embodiment of the present disclosure, it also includes: in response to determining that both the payer and the borrower account are involved in a financing event based on the trade information, verifying whether the borrower account is currently in a valid state.

[0123] According to an embodiment of the present disclosure, when both the payer and the borrower accounts are involved in a financing event, it is verified whether the borrower's account in the financing event is currently in a valid state, for example, determining whether the borrower's account is in a frozen state or a cancelled state.

[0124] In response to the verification result indicating that the borrower's account is currently in a valid state, the monitoring system is notified to monitor the borrower's account.

[0125] According to an embodiment of the present disclosure, when the borrower's account is in a valid state, a monitoring notification is sent to the monitoring system to notify the monitoring system to monitor the borrower's account in the financing event involving the payer.

[0126] Through the embodiments of the present disclosure, the borrower's account is monitored only when the borrower's account is currently in a valid state, which can avoid invalid monitoring operations and improve efficiency.

[0127] Figure 8 A flowchart of another method for processing a borrower's account according to an embodiment of the present disclosure is schematically shown.

[0128] like Figure 8 As shown, in operation S810, before the payer (or payment account) pays the payable amount to the account system where the borrower's account is located through the payment system, the payer (or payment account) sends a payment message to the credit system through the payment system, wherein the payment message may include the financing event information, borrower information, and payer (or payment account) information involved in this transfer.

[0129] In operation S820, the credit system receives the payment message and determines whether the payer (or payment account) and the borrower are both involved in the financing event. If it is determined that the payer (or payment account) and the borrower are both involved in the financing event, operation S830 is performed; if it is determined that either or both of the payer (or payment account) and the borrower are not involved in the financing event, no monitoring is performed.

[0130] In operation S830, in response to the payer (or payment account) and the borrower both being involved in a financing event, it is verified whether the borrower's account in the financing event is currently in a valid state. If the borrower's account is currently in a valid state, operation S840 is executed; if the borrower's account is not currently in a valid state, the verification result is returned to the payer (or payment account).

[0131] In operation S840, in response to the verification result indicating that the borrower's account is currently in a valid state, a monitoring notification is sent to the monitoring system, which includes the payer (or payment account) information, the financing event information involving the payer (or payment account), and the borrower involved in the financing event.

[0132] In operation S850, in response to the monitoring system receiving the monitoring notification, the borrower's account is monitored. In operation S860, the payer (or payment account) pays the payable amount to the account system where the borrower's account is located through the payment system. In operation S870, the monitoring system detects that the borrower's account has received the payable amount, and executes operation S880.

[0133] In operation S880, in response to the monitoring system detecting that the borrower's account has received the payable amount, a deduction notice is sent to the credit system. In operation S890, in response to the credit system receiving the deduction notice, a deduction operation is performed on the borrower's account according to the financing event involved in this transfer.

[0134] Fig. 9A block diagram of a processing device for a borrower account according to an embodiment of the present disclosure is schematically shown.

[0135] like Fig. 9 As shown, the processing device 900 applied to the borrower account includes a monitoring module 901 and a first notification module 902. The processing device can execute the method described in the above reference method embodiment, which will not be repeated here.

[0136] Specifically, the monitoring module 901 is used to monitor the borrower account, wherein the borrower account is involved in a financing event; and the first notification module 902, in response to monitoring that the borrower account has received the payable amount, the user notifies the credit system to perform a deduction operation on the borrower account based on the financing event.

[0137] According to an embodiment of the present disclosure, the above-mentioned monitoring module includes at least one of the following: a first monitoring sub-module, used to monitor the above-mentioned borrower account in response to receiving a payment message pushed by the payer to the above-mentioned borrower account, wherein the above-mentioned payer is also involved in the above-mentioned financing event; a second monitoring sub-module, used to monitor the above-mentioned borrower account in response to receiving a monitoring notification pushed by the above-mentioned credit system to the above-mentioned borrower account.

[0138] According to an embodiment of the present disclosure, the processing device further includes: a determination module for determining whether the payer or payer account that spends the above-mentioned payable amount is also involved in the above-mentioned financing event before notifying the credit system to perform a deduction operation on the above-mentioned borrower account based on the above-mentioned financing event; and a second notification module for notifying the credit system to perform a deduction operation on the above-mentioned borrower account based on the above-mentioned financing event in response to determining that the above-mentioned payer or the above-mentioned payer account is also involved in the above-mentioned financing event.

[0139] According to an embodiment of the present disclosure, the processing device further includes: a processing module for not notifying the credit system to perform a deduction operation on the borrower account in response to determining that the payer or the payer account is not involved in the financing event.

[0140] According to an embodiment of the present disclosure, the payment message includes: a payee and a payment amount. The determination module includes: a first determination submodule, used to determine whether the payee or the payee account that pays the payable is consistent with the payee included in the payment message; a second determination submodule, used to determine whether the amount corresponding to the payable is consistent with the payment amount included in the payment message; and a third determination submodule, used to determine that the payee or the payee account is also involved in the financing event in response to the payee being consistent and the payment amount being consistent.

[0141] According to an embodiment of the present disclosure, the payment message includes: a payee, a payment amount and a payment time period. The processing device further includes: a push module, which is used to feedback the monitoring result to the payee who pushed the payment message in response to the fact that the payee has not been monitored to pay the payment amount to the borrower account within the payment time period.

[0142] Fig.10 A block diagram of another processing device for a borrower's account according to an embodiment of the present disclosure is schematically shown. Fig.10 As shown, a processing device 1000 applied to a borrower account includes: an execution module 1001. The processing device can execute the method described in the above reference method embodiment, which will not be repeated here.

[0143] Specifically, the execution module 1001 is used to, in response to receiving a deduction notice for a borrower account sent by a monitoring system, perform a deduction operation on the borrower account based on a financing event involving the borrower account; wherein the monitoring system is used to monitor the borrower account, and in response to monitoring that the borrower account has received the payable amount, send the deduction notice to the credit system.

[0144] According to an embodiment of the present disclosure, the above-mentioned processing device also includes: a message acquisition module, used to obtain the payment message pushed by the payer to the above-mentioned borrower account before the above-mentioned monitoring system monitors the above-mentioned borrower account, wherein the above-mentioned payment message includes trade information; and an information determination unit, used to determine whether the above-mentioned payer and the above-mentioned borrower account are both involved in the above-mentioned financing event based on the above-mentioned trade information; a first message notification unit, used in which, in response to determining that the above-mentioned payer and the above-mentioned borrower account are both involved in the above-mentioned financing event based on the above-mentioned trade information, notifies the above-mentioned monitoring system to monitor the above-mentioned borrower account.

[0145] According to an embodiment of the present disclosure, the above-mentioned processing device also includes: a verification module, which is used to verify whether the above-mentioned borrower account is currently in a valid state in response to determining that the above-mentioned payer and the above-mentioned borrower account are both involved in the above-mentioned financing event based on the above-mentioned trade information; a second message notification module is used to notify the above-mentioned monitoring system to monitor the above-mentioned borrower account in response to the verification result indicating that the above-mentioned borrower account is currently in a valid state.

[0146] It should be noted that the implementation method of the device part is similar to the implementation method of the method part, and the technical effects achieved are also similar, which will not be repeated here.

[0147] According to the modules and submodules of the embodiments of the present disclosure, any multiple or at least part of the functions of any multiple thereof can be implemented in one module. According to the modules and submodules of the embodiments of the present disclosure, any one or more thereof can be split into multiple modules for implementation. According to the modules and submodules of the embodiments of the present disclosure, any one or more thereof can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware of any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation modes of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, according to the modules and submodules of the embodiments of the present disclosure, one or more thereof can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0148] For example, any multiple of the monitoring module 901 and the first notification module 902 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the monitoring module 901 and the first notification module 902 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, at least one of the monitoring module 901 and the first notification module 902 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0149] Fig.11 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. Fig.11 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0150] like Fig.11 As shown, the electronic device 1100 includes a processor 1110 and a computer-readable storage medium 1120. The electronic device 1100 can execute the method according to the embodiment of the present disclosure.

[0151] Specifically, the processor 1110 may include, for example, a general-purpose microprocessor, an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1110 may also include an onboard memory for cache purposes. The processor 1110 may be a single processing unit or multiple processing units for executing different actions of the method flow according to an embodiment of the present disclosure.

[0152] Computer-readable storage medium 1120, for example, can be a non-volatile computer-readable storage medium, and specific examples include but are not limited to: magnetic storage devices, such as magnetic tapes or hard disks (HDDs); optical storage devices, such as compact disks (CD-ROMs); memories, such as random access memories (RAMs) or flash memories; and the like.

[0153] The computer-readable storage medium 1120 may include a computer program 1121 , which may include codes / computer-executable instructions that, when executed by the processor 1110 , cause the processor 1110 to perform a method according to an embodiment of the present disclosure or any variation thereof.

[0154] The computer program 1121 may be configured to have, for example, a computer program code including a computer program module. For example, in an example embodiment, the code in the computer program 1121 may include one or more program modules, for example, including 1121A, module 1121B, ... It should be noted that the division method and number of modules are not fixed, and those skilled in the art may use appropriate program modules or program module combinations according to actual conditions, and when these program module combinations are executed by the processor 1110, the processor 1110 may execute the method according to the embodiment of the present disclosure or any variation thereof.

[0155] According to an embodiment of the present disclosure, at least one of the monitoring module 901 and the first notification module 902 may be implemented as a reference Fig.11 The computer program modules described herein, when executed by the processor 1110, can implement the corresponding operations described above.

[0156] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0157] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0158] It will be appreciated by those skilled in the art that, although the present disclosure has been shown and described with reference to specific exemplary embodiments of the present disclosure, it will be appreciated by those skilled in the art that, without departing from the spirit and scope of the present disclosure as defined by the appended claims and their equivalents, various changes in form and detail may be made to the present disclosure. Therefore, the scope of the present disclosure should not be limited to the above-described embodiments, but should be determined not only by the appended claims, but also by the equivalents of the appended claims.

Claims

1. A method for processing a borrower's account, comprising: The monitoring system monitors the borrower account, wherein the borrower account is involved in the financing event; as well as In response to the monitoring system detecting that the borrower's account has received the payable amount, notifying the credit system to perform a deduction operation on the borrower's account based on the financing event; The monitoring system monitors each income of the borrower's account within a period of time, and compares the amount of each income with the amount of payables in the financing event involving the borrower; when it is determined that the amount of the income is consistent with the amount of the payables, it is determined whether the payer or the payer's account who pays the payables is also involved in the financing event; in response to determining that the payer or the payer's account is also involved in the financing event, the credit system is notified to perform a deduction operation on the borrower's account based on the financing event, and the financing event is generated based on a trade contract, the seller in the trade contract is the borrower, and the buyer in the trade contract is the payer; Wherein, the monitoring of the borrower's account includes at least one of the following: In response to receiving a payment message pushed by the payer to the borrower account, monitoring the borrower account, wherein the payer is also involved in the financing event; In response to receiving a monitoring notification pushed by the credit system for the borrower's account, the borrower's account is monitored, wherein the monitoring notification is sent by the credit system after receiving the payment information pushed by the payer before paying the payable amount to the borrower's account, and when it is determined that the bank account of the payee's payment is involved in a loan.

2. The method according to claim 1, further comprising: In response to determining that the payer or the payer account is not involved in the financing event, the credit system is not notified to perform a deduction operation on the borrower account.

3. The method according to claim 1, wherein: The payment message includes: the payer and the payment amount; The determining whether the payer or payer account that pays the reimbursable amount is also involved in the financing event includes: Determine whether the payer or payer account that pays the payable amount is consistent with the payee included in the payment message; Determining whether the amount corresponding to the payable is consistent with the payment amount included in the payment message; and In response to the payee being consistent and the payment amount being consistent, it is determined that the payee or the payee account is also involved in the financing event.

4. The method according to claim 1, wherein: The payment message includes: payer, payment amount and payment time period; The method further includes: in response to not monitoring the payer paying the payment amount to the borrower account within the payment time period, feeding back the monitoring result to the payer who pushed the payment message.

5. A method for processing a borrower's account, comprising: In response to receiving a deduction notice for a borrower's account sent by a monitoring system, performing a deduction operation on the borrower's account based on a financing event involved in the borrower's account; The monitoring system is used to monitor the borrower's account and, in response to monitoring that the borrower's account has received the payable amount, send the deduction notice to the credit system; The monitoring system monitors each income of the borrower's account within a period of time, and compares the amount of each income with the amount of payables in the financing event involving the borrower; when it is determined that the amount of the income is consistent with the amount of the payables, it is determined whether the payer or the payer's account who pays the payables is also involved in the financing event; in response to determining that the payer or the payer's account is also involved in the financing event, the credit system is notified to perform a deduction operation on the borrower's account based on the financing event, and the financing event is generated based on a trade contract, the seller in the trade contract is the borrower, and the buyer in the trade contract is the payer; Wherein, the monitoring of the borrower's account includes at least one of the following: In response to receiving a payment message pushed by the payer to the borrower account, monitoring the borrower account, wherein the payer is also involved in the financing event; In response to receiving a monitoring notification pushed by the credit system for the borrower's account, the borrower's account is monitored, wherein the monitoring notification is sent by the credit system after receiving the payment information pushed by the payer before paying the payable amount to the borrower's account, and when it is determined that the bank account of the payee's payment is involved in a loan.

6. The method according to claim 5, further comprising: Before the monitoring system monitors the borrower's account, Obtaining a payment message pushed by a payer for the borrower's account, wherein the payment message includes trade information; as well as Determining whether both the payer account and the borrower account are involved in the financing event based on the trade information; In which, in response to determining that both the payer and the borrower account are involved in the financing event based on the trade information, the monitoring system is notified to monitor the borrower account.

7. The method according to claim 6, further comprising: In response to determining that both the payer and the borrower account are involved in the financing event based on the trade information, verifying whether the borrower account is currently in a valid state; In response to the verification result indicating that the borrower account is currently in a valid state, the monitoring system is notified to monitor the borrower account.

8. A processing device for a borrower's account, comprising: A monitoring module, used for monitoring the borrower account by the monitoring system, wherein the borrower account is involved in a financing event; as well as a notification module, configured to notify the credit system to perform a deduction operation on the borrower's account based on the financing event in response to the monitoring system detecting that the borrower's account has received the payable amount; The monitoring system monitors each income of the borrower's account within a period of time, and compares the amount of each income with the amount of payables in the financing event involving the borrower; when it is determined that the amount of the income is consistent with the amount of the payables, it is determined whether the payer or the payer's account who pays the payables is also involved in the financing event; in response to determining that the payer or the payer's account is also involved in the financing event, the credit system is notified to perform a deduction operation on the borrower's account based on the financing event, and the financing event is generated based on a trade contract, the seller in the trade contract is the borrower, and the buyer in the trade contract is the payer; Wherein, the monitoring of the borrower's account includes at least one of the following: In response to receiving a payment message pushed by the payer to the borrower account, monitoring the borrower account, wherein the payer is also involved in the financing event; In response to receiving a monitoring notification pushed by the credit system for the borrower's account, the borrower's account is monitored, wherein the monitoring notification is sent by the credit system after receiving the payment information pushed by the payer before paying the payable amount to the borrower's account, and when it is determined that the bank account of the payee's payment is involved in a loan.

9. A processing device for a borrower's account, comprising: An execution module, configured to, in response to receiving a deduction notice for a borrower's account sent by a monitoring system, execute a deduction operation on the borrower's account based on a financing event involved in the borrower's account; The monitoring system is used to monitor the borrower's account and, in response to monitoring that the borrower's account has received the payable amount, send the deduction notice to the credit system; The monitoring system monitors each income of the borrower's account within a period of time, and compares the amount of each income with the amount of payables in the financing event involving the borrower; when it is determined that the amount of the income is consistent with the amount of the payables, it is determined whether the payer or the payer's account who pays the payables is also involved in the financing event; in response to determining that the payer or the payer's account is also involved in the financing event, the credit system is notified to perform a deduction operation on the borrower's account based on the financing event, and the financing event is generated based on a trade contract, the seller in the trade contract is the borrower, and the buyer in the trade contract is the payer; Wherein, the monitoring of the borrower's account includes at least one of the following: In response to receiving a payment message pushed by the payer to the borrower account, monitoring the borrower account, wherein the payer is also involved in the financing event; In response to receiving a monitoring notification pushed by the credit system for the borrower's account, the borrower's account is monitored, wherein the monitoring notification is sent by the credit system after receiving the payment information pushed by the payer before paying the payable amount to the borrower's account, and when it is determined that the bank account of the payee's payment is involved in a loan.

10. An electronic device comprising: one or more processors; A memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors are enabled to implement the method according to any one of claims 1 to 7.

11. A computer-readable storage medium storing computer-executable instructions, wherein the instructions are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

12. A computer program product, comprising a computer program, wherein the computer program is configured to implement the method according to any one of claims 1 to 7 when executed by a processor.

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