Tuition fee supervision method, device, supervision background system and storage medium

Abstract

The present invention provides a tuition supervision method, device, supervision background system and storage medium. When a customer completes a debit card tuition payment contract, the customer can freeze the amount in the customer's debit card through the core system's deposit operation when paying the off-campus training course fee. The training institution initiates the tuition transfer each time, and then unfreezes the clearing amount through the core system's unfreezing operation and transfers it to the training institution. And because the unfreezing clearing amount is less than the course fee, it takes multiple unfreezings to completely transfer the tuition to the training institution. Based on the present invention, a tuition supervision method of one-time deposit and multiple unfreezing is realized, and the customer's payable tuition is frozen in the customer's own debit card account. The training institution requests the deduction of the course fee in batches, so as to achieve the purpose of tuition supervision, thereby preventing the risk of the training institution running away, protecting the rights and interests of customers, and maintaining a virtuous cycle of the education ecosystem.

Description

Technical Field

[0001] The present invention relates to the field of software technology, and more specifically, to a tuition supervision method, device, supervision background system and storage medium. Background Art

[0002] In recent years, off-campus training institutions have been overheated and problems have frequently occurred. Some off-campus training institutions charge high fees for training courses, and often engage in illegal and irregular behavior such as charging a one-time large amount of fees and then running away with the money. Customers have difficulty in getting a refund, which has seriously damaged the normal education ecology.

[0003] Therefore, how to effectively regulate tuition fees has become an urgent issue that needs to be addressed. Summary of the invention

[0004] In view of this, in order to solve the above problems, the present invention provides a tuition supervision method, device, supervision background system and storage medium, and the technical solution is as follows:

[0005] In one aspect, the present invention provides a tuition supervision method, which is applied to a supervision backend system and comprises:

[0006] Confirm that the customer's debit card tuition payment contract is successfully signed, and the successfully signed debit card is bound to the tuition amount of the target course;

[0007] Based on the binding relationship, the tuition fee amount is transferred from the available balance of the debit card through the core system;

[0008] In response to a tuition transfer request with a clearing amount initiated by a training institution, the clearing amount is released from the tuition amount that has been collected through the core system, and the clearing amount is less than the tuition amount;

[0009] The released settlement amount is transferred from the debit card to the public account corresponding to the training institution through the core system.

[0010] Preferably, the step of confirming that the customer's debit card tuition payment contract is successfully signed includes:

[0011] Obtaining the debit card information and certificate information uploaded by the customer for the target course;

[0012] If the certificate information is verified, determining whether the available balance of the debit card is greater than or equal to the tuition fee of the target course according to the debit card information;

[0013] If so, it is determined that the customer's debit card tuition payment contract is successful.

[0014] Preferably, the step of uncirculating the settlement amount from the deposited tuition amount through the core system includes:

[0015] Determining whether the liquidation amount is greater than the corresponding liquidation limit;

[0016] If yes, reject the tuition transfer request;

[0017] If not, a release request carrying the settlement amount is initiated to the core system, so that the core system releases the settlement amount from the deposited tuition amount.

[0018] Preferably, the transferring of the cleared amount from the debit card to the public account corresponding to the training institution through the core system includes:

[0019] Receiving the circle removal result returned by the core system;

[0020] When it is determined based on the unblocking result that the clearing amount is unblocked successfully, a private-to-public transaction is initiated to the core system so that the core system transfers the clearing amount from the debit card to the public account corresponding to the training institution.

[0021] Preferably, the method further comprises:

[0022] The accumulation result returned by the core system is received, and the accumulation result is output to the training institution and the customer.

[0023] Another aspect of the present invention provides a tuition monitoring device, the device comprising:

[0024] The contract signing module is used to confirm that the customer's debit card tuition payment contract is successful. The successfully signed debit card is bound to the tuition amount of the target course;

[0025] A loading module, used for loading the tuition amount from the available balance of the debit card through the core system based on the binding relationship;

[0026] a de-circulation module, used to respond to a tuition transfer request with a clearing amount initiated by a training institution, and de-circle the clearing amount from the tuition amount that has been circled through the core system, where the clearing amount is less than the tuition amount;

[0027] The transaction module is used to transfer the cleared amount from the debit card to the public account corresponding to the training institution through the core system.

[0028] Preferably, the signing module is specifically used for:

[0029] Obtain the debit card information and ID information uploaded by the customer for the target course; if the ID information is verified, determine whether the available balance of the debit card is greater than or equal to the tuition fee of the target course based on the debit card information; if so, determine that the customer's debit card tuition payment contract is successful.

[0030] Preferably, the module for releasing the settlement amount from the tuition amount that has been raised through the core system is specifically used for:

[0031] Determine whether the settlement amount is greater than the corresponding settlement limit; if so, reject the tuition transfer request; if not, initiate a release request carrying the settlement amount to the core system, so that the core system releases the settlement amount from the deposited tuition amount.

[0032] Another aspect of the present invention provides an electronic device, comprising: at least one memory and at least one processor; the memory stores a program, the processor calls the program stored in the memory, and the program is used to implement the tuition supervision method.

[0033] Another aspect of the present invention provides a storage medium, in which computer executable instructions are stored, and the computer executable instructions are used to execute the tuition supervision method.

[0034] Compared with the prior art, the present invention has the following beneficial effects:

[0035] The present invention provides a tuition supervision method, device, supervision background system and storage medium. When a customer completes a debit card tuition payment contract, the customer can freeze the amount in the customer's debit card through the core system's circle operation when paying the tuition for off-campus training courses. Each time the training institution initiates a tuition transfer, the cleared funds are unfrozen and transferred to the training institution through the core system's circle operation. Since the cleared funds are less than the course fee, multiple circles are required to completely transfer the tuition to the training institution. Based on the present invention, a tuition supervision method of one-time circle deposit and multiple circles is realized, and the tuition payable by the customer is frozen in the customer's own debit card account. The training institution requests the deduction of the course fee in batches, so as to achieve the purpose of tuition supervision, thereby preventing the risk of the training institution running away, protecting the rights and interests of customers, and maintaining a virtuous cycle of the education ecosystem. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0037] Figure 1 A system architecture diagram of a tuition fee supervision system provided by an embodiment of the present invention;

[0038] Figure 2 A method flow chart of a tuition supervision method provided by an embodiment of the present invention;

[0039] Figure 3 A partial method flow chart of the tuition supervision method provided by an embodiment of the present invention;

[0040] Figure 4 Another part of the method flow chart of the tuition supervision method provided by the embodiment of the present invention;

[0041] Figure 5 A schematic diagram of the structure of a tuition monitoring device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0042] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0043] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the present invention is further described in detail below with reference to the accompanying drawings and specific embodiments.

[0044] Existing debit card transactions have two limitations: one is that the actual card transaction may exceed the bank's daily limit or each transaction limit, resulting in an inability to pay the training course fees in full; the other is that debit card transactions are deposited into the account of the training institution at one time. If the training institution unfortunately runs away, it will be difficult for customers to recover their funds.

[0045] In this regard, the present invention proposes a tuition fee supervision method that can be deposited once and released in installments, that is, after the customer agrees to sign a debit card tuition payment contract, the tuition fee will be frozen in the customer's debit card when paying the tuition fee, and the training institution will periodically deduct the settlement amount from the customer's debit card. For customers, the payment of tuition fees must ensure the safety of funds; for training institutions, it is necessary to ensure that fees can be collected periodically to maintain operations. The tuition fee supervision method of the present invention that can be deposited once and released in installments can not only ensure the safety of customers' funds, but also ensure the continuous and good operation of training institutions. At the same time, it can prevent the phenomenon of training institutions collecting large fees once and then running away immediately, thereby achieving the purpose of tuition fee supervision.

[0046] See also Figure 1 The system architecture diagram of the tuition fee supervision system shown in the figure is composed of a supervision front-end page, a supervision back-end system and a core system; among them, the supervision front-end page and the supervision back-end system adopt the ESSP (Education scene service platform) architecture, and the core system adopts the BOCS (Bank of China system) architecture. The supervision back-end system provides services for the supervision front-end page, and connects with the core system through the back-end of the external and internal systems to realize the tuition payment function. The training institution is an external third party that communicates with the supervision front-end page and the supervision back-end system respectively.

[0047] See also Figure 2 The method flow chart of the tuition supervision method shown in the figure. The embodiment of the present invention provides a tuition supervision method, which is applied to a supervision backend system and includes the following steps:

[0048] S10, confirming that the customer's debit card tuition payment contract is successful, and the successfully signed debit card is bound to the tuition amount of the target course.

[0049] In the embodiment of the present invention, the customer can select the training course, i.e., the target course, in the training structure APP, and select the tuition supervision payment method, then jump to the tuition supervision payment page, read and sign the debit card tuition guarantee contract. That is, the customer must agree to the debit card tuition supervision agreement when using a debit card to pay tuition. After the customer signs the debit card tuition supervision agreement, the supervision background system checks whether the available balance of the customer's debit card is greater than or equal to the amount of tuition payable. If it is greater than or equal to, the customer's debit card tuition payment contract is successful, ensuring the subsequent payment of tuition; if it is less than, the customer's debit card tuition payment contract fails, and the tuition cannot be paid, but the customer can transfer the full amount to the debit card to continue the contract.

[0050] In the specific implementation process, the following steps can be used to "determine that the customer's debit card tuition payment contract is successful" in step S10. The method flow chart is as follows: Figure 3 As shown:

[0051] S101, obtaining the debit card information and certificate information uploaded by the customer for the target course.

[0052] S102, when the certificate information verification is passed, determine whether the available balance of the debit card is greater than or equal to the tuition fee of the target course according to the debit card information; if so, execute step S103.

[0053] S103, confirming that the customer's debit card tuition payment contract is successful.

[0054] In the embodiment of the present invention, the customer fills in the debit card information and certificate information, the debit card information includes the card number, the name of the account holder, the ID number of the account holder, etc., and the certificate information includes the name of the ID card and the ID number, etc. The supervision background system first verifies the certificate information, that is, verifies whether the name of the ID card and the ID number match, whether the name of the account holder of the debit card and the name of the ID card are consistent, and whether the ID number of the account holder and the ID number are consistent; if the name of the ID card and the ID number match, the name of the account holder of the debit card and the name of the ID card are consistent, and the ID number of the account holder and the ID number are consistent, then it is determined that the certificate information verification has passed; otherwise, if the name of the ID card and the ID number do not match, or the name of the account holder of the debit card and the name of the ID card are inconsistent, or the ID number of the account holder and the ID number are inconsistent, then it is determined that the certificate information verification has failed.

[0055] After the certificate information is verified, the regulatory backend system obtains the available balance of the debit card based on the card number of the debit card, and determines whether the available balance of the debit card is greater than or equal to the tuition amount payable for the target course; if it is greater than or equal to, it is determined that the customer's debit card tuition payment contract is successful; otherwise, if it is less than, it is determined that the customer's debit card tuition payment contract has failed, and the failure result will be fed back to the training institution.

[0056] S20, based on the binding relationship, debits the tuition amount from the available balance of the debit card through the core system.

[0057] In an embodiment of the present invention, the customer agrees to the debit card tuition supervision agreement and uses the debit card to pay the tuition. The tuition amount that the customer should pay is circled on the customer's debit card, that is, the tuition amount is frozen on the debit card. At this time, the customer cannot use this part of the tuition amount. The available balance of the debit card is reduced by the same amount and the frozen amount is increased by the same amount, but the balance in the training institution's account remains unchanged.

[0058] In addition, the embodiment of the present invention can complete the tuition amount by a one-time deposit. In the specific implementation process, after the customer completes the debit card tuition payment contract, the supervision background system initiates a tuition deposit request to the core system through a socket method. The tuition deposit request contains the debit card information and the tuition amount; after the core system receives the tuition deposit request, it will deposit the tuition amount from the available balance of the debit card. The tuition amount is still under the customer's debit card, but the available balance of the debit card is reduced accordingly, and the frozen amount is increased by the same amount. The customer cannot use this part of the tuition amount later.

[0059] Subsequently, the core system will feed back the top-up result indicating the success / failure of the top-up to the supervision backend system. The supervision backend system will output the top-up result to the off-campus training institution in an asynchronous manner and to the customer in a synchronous manner.

[0060] In addition, if the training institution runs away, the regulatory backend system can apply to the core system for release. After verification, the core system will unfreeze the current frozen amount and restore the available balance of the debit card to the same amount, simplifying the process of customer rights protection.

[0061] S30, responding to the tuition transfer request with the clearing amount initiated by the training institution, the clearing amount is released from the deposited tuition amount through the core system, and the clearing amount is less than the tuition amount.

[0062] In the embodiment of the present invention, the training results can periodically initiate a tuition transfer request, and the core system uncircles the clearing amount of this transfer, that is, unfreezes the clearing amount from the frozen amount of the debit card and transfers it to the public account of the training institution. After multiple clearing and transfers, the tuition is paid in full.

[0063] In the specific implementation process, step S30 "clearing the amount of tuition fees that have been deposited through the core system" can be implemented by the following steps. The method flow chart is as follows: Figure 4 As shown:

[0064] S301, determine whether the liquidation amount is greater than the corresponding liquidation limit; if so, execute step S302; if not, execute step S303.

[0065] S302, reject tuition transfer request.

[0066] S303, based on initiating a release request carrying the clearing amount to the core system, the core system releases the clearing amount from the deposited tuition amount.

[0067] In the embodiment of the present invention, the settlement and transfer of the tuition amount is completed by multiple unblocking. In the specific implementation process, the training institution periodically initiates tuition transfer requests to the supervision background system in batches. If the settlement amount requested for transfer is not within the settlement limit, the supervision background system will refuse to accept it to prevent the training institution from running away after a one-time large settlement. If the settlement amount requested for transfer is within the settlement limit, the supervision background system will accept the tuition transfer request of the training institution, return the acceptance result to the training structure, and then asynchronously process the tuition transfer process.

[0068] The supervision backend system initiates a request to the core system to release the clearing amount. After receiving the release request, the core system releases the clearing amount from the tuition amount already loaded on the debit card. After the core system completes the release, it returns the release result to the supervision backend system. If the core system fails to resolve, the clearing transfer for this training fails. The core system notifies the supervision backend system of the transfer failure result, and the supervision backend system notifies the training institution.

[0069] The training organization periodically requests tuition settlement and transfer until the customer completes the study and the tuition is fully paid, and realizes tuition supervision by depositing once and releasing in batches. After the settlement amount is released from the tuition amount deposited in the customer's debit card, the settlement amount will be transferred from the debit card to the training organization account.

[0070] It should be noted that before the regulatory backend system initiates a release request to the core system, in addition to verifying whether the settlement amount is greater than the settlement limit, it can also verify other conditions, such as verifying whether the time since the training institution last requested tuition settlement and transfer to the present is greater than the time limit. Taking the time limit as 3 months as an example, if the time since the training institution last requested tuition settlement and transfer to the present is less than 3 months, or the settlement amount of the tuition transfer requested by the training institution this time is greater than the settlement limit, the regulatory backend system will refuse to transfer the funds.

[0071] S40, transfer the released settlement amount from the debit card to the corresponding public account of the training institution through the core system.

[0072] In the embodiment of the present invention, after the core system completes the unblocking, the core system transfers the unblocked settlement amount from the debit card to the public account corresponding to the training institution. At this time, the available balance of the debit card remains unchanged, the frozen amount is reduced by the same amount, and the balance of the training institution's account is increased by the same amount.

[0073] In the specific implementation process, step S40 "transferring the cleared amount from the debit card to the public account corresponding to the training institution through the core system" can adopt the following steps:

[0074] Receive the release result returned by the core system; when it is determined that the clearing amount is successfully released based on the release result, initiate a private-to-public transaction to the core system so that the core system transfers the clearing amount from the debit card to the public account corresponding to the training institution.

[0075] In the embodiment of the present invention, the core system returns the result of the unblocking to the supervision background system, indicating the success / failure of the unblocking. If the unblocking is successful, the supervision background system requests the core system to transfer the private-to-public transaction, and the core system transfers the clearing amount of the unblocking from the debit card to the public account of the training institution.

[0076] The core system returns the transaction results to the supervision backend system, which then outputs the transaction results to the training institution. In addition, when the core system has a deposit or release or the transaction is unclear, and the training institution has not received the deposit result / release result / transaction result in time, the supervision backend system also provides transaction result query so that the training institution can obtain relevant results in time.

[0077] The present invention adopts a synchronous acceptance mechanism and an asynchronous processing mechanism to quickly respond to customers paying tuition fees to training institutions, adopts a freezing mechanism to enable customers to pay tuition fees to off-campus training institutions under the premise of ensuring the safety of customers' funds, and adopts a deduction mechanism to enable training institutions to collect tuition fees periodically under the premise of limiting large charges by off-campus training institutions, thereby realizing a virtuous cycle of operation and achieving the ultimate goal of tuition fee supervision.

[0078] The advantage of the present invention is that it adopts the method of depositing once with a debit card and releasing the funds in installments. When a customer uses a debit card to pay fees, the tuition fee is frozen in the customer's account. The off-campus training institution collects the tuition fee within a limited time and amount, and settles the training fee multiple times, thereby achieving the purpose of tuition fee supervision. This can not only prevent the training institution from running away, but also protect the interests of the students.

[0079] Based on the tuition supervision method provided in the above embodiment, an embodiment of the present invention provides a device for executing the above tuition supervision method. The structural diagram of the device is shown in FIG. Figure 5 As shown:

[0080] The contract signing module 10 is used to determine that the customer's debit card tuition payment contract is successful, and the debit card with the successful contract is bound to the tuition amount of the target course;

[0081] A transfer module 20, used to transfer the tuition amount from the available balance of the debit card through the core system based on the binding relationship;

[0082] The uncirculating module 30 is used to respond to the tuition transfer request with the clearing amount initiated by the training institution, and uncirculate the clearing amount from the circulated tuition amount through the core system, and the clearing amount is less than the tuition amount;

[0083] The transaction module 40 is used to transfer the cleared amount from the debit card to the public account corresponding to the training institution through the core system.

[0084] Optionally, the signing module 10 is specifically used for:

[0085] Obtain the debit card information and ID information uploaded by the customer for the target course; if the ID information is verified, determine whether the available balance of the debit card is greater than or equal to the tuition fee of the target course based on the debit card information; if so, determine that the customer's debit card tuition payment contract is successful.

[0086] Optionally, the module 30 for releasing the settlement amount from the accumulated tuition amount through the core system is specifically used for:

[0087] Determine whether the settlement amount is greater than the corresponding settlement limit; if so, reject the tuition transfer request; if not, initiate a release request with the settlement amount to the core system so that the core system releases the settlement amount from the deposited tuition amount.

[0088] Optionally, the transaction module 40 is specifically used for:

[0089] Receive the release result returned by the core system; when it is determined that the clearing amount is successfully released based on the release result, initiate a private-to-public transaction to the core system so that the core system transfers the clearing amount from the debit card to the public account corresponding to the training institution.

[0090] Optionally, the transfer module 20 is further used for:

[0091] Receive the credit results returned by the core system and output them to training institutions and customers.

[0092] It should be noted that the detailed functions of each module in the embodiment of the present invention can be found in the corresponding public part of the above-mentioned tuition supervision method embodiment, which will not be repeated here.

[0093] Based on the tuition supervision method provided in the above embodiment, an embodiment of the present invention also provides an electronic device, the electronic device includes: at least one memory and at least one processor; the memory stores a program, the processor calls the program stored in the memory, and the program is used to implement the tuition supervision method.

[0094] Based on the tuition supervision method provided in the above embodiment, an embodiment of the present invention further provides a storage medium, in which computer executable instructions are stored, and the computer executable instructions are used to execute the tuition supervision method.

[0095] The above is a detailed introduction to a tuition supervision method, device, supervision background system and storage medium provided by the present invention. Specific examples are used in this article to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea; at the same time, for general technical personnel in this field, according to the idea of ​​the present invention, there will be changes in the specific implementation method and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

[0096] It should be noted that each embodiment in this specification is described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part description.

[0097] It should also be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device that includes a series of elements is inherent to the elements, or also includes elements inherent to these processes, methods, articles or devices. In the absence of further restrictions, the elements defined by the sentence "including a..." do not exclude the presence of other identical elements in the process, method, article or device that includes the elements.

[0098] The above description of the disclosed embodiments enables one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A tuition supervision method, characterized in that: The method is applied to the supervision backend system in the tuition supervision system, which is composed of a supervision frontend page, a supervision backend system and a core system; wherein the supervision frontend page and the supervision backend system adopt the education scenario service platform architecture, and the core system adopts the core banking system architecture; the supervision backend system provides services for the supervision frontend page, and connects with the core system through the off-bank system and the on-bank system to realize the tuition payment function, and the training institution is an external third party that communicates with the supervision frontend page and the supervision backend system respectively; the method includes: Confirm that the customer's debit card tuition payment contract is successful, and the debit card with the successful contract is bound to the tuition amount of the target course; Based on the binding relationship, the tuition fee amount is transferred from the available balance of the debit card through the core system; In response to a tuition transfer request with a clearing amount initiated by a training institution, the clearing amount is released from the tuition amount that has been collected through the core system, and the clearing amount is less than the tuition amount; The cleared amount is transferred from the debit card to the public account corresponding to the training institution through the core system; The step of confirming that the customer's debit card tuition payment contract is successful includes: Obtaining the debit card information and certificate information uploaded by the customer for the target course; If the certificate information is verified, determining whether the available balance of the debit card is greater than or equal to the tuition fee of the target course according to the debit card information; If so, it is determined that the customer's debit card tuition payment contract is successful; Wherein, the step of uncirculating the settlement amount from the tuition amount that has been collected through the core system includes: Determining whether the liquidation amount is greater than the corresponding liquidation limit; If yes, reject the tuition transfer request; If not, a request for releasing the amount of the settlement is sent to the core system, so that the core system releases the amount of the settlement from the tuition amount that has been stored; The step of transferring the cleared amount from the debit card to the public account corresponding to the training institution through the core system includes: Receiving the circle removal result returned by the core system; In the case where it is determined based on the unbundling result that the clearing amount is unbundled successfully, initiating a private-to-public transfer transaction to the core system, so that the core system transfers the clearing amount from the debit card to the public account corresponding to the training institution; Wherein, the method further comprises: Receiving the credit result returned by the core system, and outputting the credit result to the training institution and the customer; Among them, the process of signing a contract for the customer's debit card tuition payment is as follows: The customer selects the training course, i.e. the target course, in the training structure APP, and selects the tuition supervision payment method, then jumps to the tuition supervision payment page, reads and signs the debit card tuition guarantee contract, that is, the customer must agree to the debit card tuition supervision agreement when paying tuition using a debit card. After the customer signs the debit card tuition supervision agreement, the supervision background system checks whether the available balance of the customer's debit card is greater than or equal to the tuition amount payable. If it is greater than or equal to, the customer's debit card tuition payment contract is successfully signed, ensuring subsequent payment of tuition; if it is less than, the customer's debit card tuition payment contract fails, and the tuition cannot be paid anymore, but the customer can transfer the full amount to the debit card to continue signing the contract.

2. A tuition monitoring device, characterized in that: The device is applied to the supervision backend system in the tuition supervision system, and the tuition supervision system is composed of a supervision front-end page, a supervision backend system and a core system; wherein the supervision front-end page and the supervision backend system adopt the education scenario service platform architecture, and the core system adopts the core banking system architecture; the supervision backend system provides services for the supervision front-end page, and connects with the core system through the off-bank system and the on-bank system to realize the tuition payment function, and the training institution is an external third party that communicates with the supervision front-end page and the supervision backend system respectively; the device includes: The contract signing module is used to confirm that the customer's debit card tuition payment contract is successful. The successfully signed debit card is bound to the tuition amount of the target course; A loading module, used for loading the tuition amount from the available balance of the debit card through the core system based on the binding relationship; a de-circulation module, used to respond to a tuition transfer request with a clearing amount initiated by a training institution, and de-circle the clearing amount from the tuition amount that has been circled through the core system, where the clearing amount is less than the tuition amount; A transaction module, used for transferring the cleared amount from the debit card to the public account corresponding to the training institution through the core system; The signing module is specifically used for: Obtain the debit card information and certificate information uploaded by the customer for the target course; if the certificate information is verified, determine whether the available balance of the debit card is greater than or equal to the tuition fee of the target course based on the debit card information; if so, determine that the customer's debit card tuition fee payment contract is successful; The module for releasing the settlement amount from the tuition amount that has been raised through the core system is specifically used for: Determine whether the settlement amount is greater than the corresponding settlement limit; if so, reject the tuition transfer request; if not, initiate a release request carrying the settlement amount to the core system, so that the core system releases the settlement amount from the tuition amount that has been deposited; Among them, the process of signing a contract for the customer's debit card tuition payment is as follows: The customer selects the training course, i.e. the target course, in the training structure APP, and selects the tuition supervision payment method, then jumps to the tuition supervision payment page, reads and signs the debit card tuition guarantee contract, that is, the customer must agree to the debit card tuition supervision agreement when paying tuition using a debit card. After the customer signs the debit card tuition supervision agreement, the supervision background system checks whether the available balance of the customer's debit card is greater than or equal to the tuition amount payable. If it is greater than or equal to, the customer's debit card tuition payment contract is successfully signed, ensuring subsequent payment of tuition; if it is less than, the customer's debit card tuition payment contract fails, and the tuition cannot be paid anymore, but the customer can transfer the full amount to the debit card to continue signing the contract.

3. A supervision background system, characterized in that: The supervision background system includes: at least one memory and at least one processor; the memory stores a program, the processor calls the program stored in the memory, and the program is used to implement the tuition supervision method described in claim 1.

4. A storage medium, characterized in that: The storage medium stores computer executable instructions, and the computer executable instructions are used to execute the tuition supervision method described in claim 1.

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