Account Recharge Method, Device, Storage Medium and Equipment

Abstract

An account recharge method includes the following steps: performing platform authentication on the account and applying for exclusive account information, completing the agreement of specific payment matching rules for the account through the platform, and the account transferring money to the main account of the platform; the step of the account transferring money to the main account of the platform further includes, when the user transfers money to the main account of the platform and meets the transfer conditions, obtaining the user identity identifier according to the specific payment matching rules to complete the query and payment service; remitting money to the bank through the corporate bank account number and the user's exclusive account information; regularly obtaining the transaction details of the corporate bank account number; determining the user's exclusive account according to the user's exclusive tail number of the remitter, and real-time updating the balance information of the exclusive account. For the account recharge method, device, storage medium and equipment of the present invention, after the user transfers money to the exclusive account, there is no need to provide a receipt or notify relevant personnel such as the customer service, and the transferred amount will be automatically added to the balance system of the platform.

Description

Technical Field

[0001] The present invention relates to the field of information technology, and particularly to a multi-strategy matching automatic top-up method for platform account balance transfer and recharge. Background Art

[0002] A user remits money to a corporate bank account, gives the remittance voucher to the customer service, the customer service queries the status of the corporate bank account, and after determining that the remittance has been received, updates the user's exclusive account.

[0003] Manual processing of user transfer remittances has problems such as untimely and missed top-ups. Top-ups cannot be performed for user transfer remittances at night, and the account top-up process is cumbersome and requires the cooperation of multiple people. Summary of the Invention

[0004] In order to solve the deficiencies of the prior art, the purpose of the present invention is to provide an account recharge method, device, storage medium and equipment. After a user transfers and remits money to an exclusive account, there is no need to provide a receipt or notify relevant personnel such as the customer service. The transferred amount will be automatically topped up to the balance system of the platform without manual supervision.

[0005] To achieve the above purpose, an account recharge method provided by the present invention includes the following steps:

[0006] Perform platform authentication on the account and apply for exclusive account information, complete the agreement of specific top-up matching rules for the account through the platform, and the account transfers and remits money to the main platform account;

[0007] The step of the account transferring and remitting money to the main platform account further includes, when the user transfers and remits money to the main platform account and meets the transfer conditions, obtaining the user identity identifier according to the specific top-up matching rules and completing the query top-up service;

[0008] Remit money to the bank through the corporate bank account and the user's exclusive account information;

[0009] Regularly obtain the transaction records of the corporate bank account;

[0010] Determine the user's exclusive account according to the user's exclusive last digit of the remittance party, and update the balance information of the exclusive account in real time.

[0011] Further, the step of performing platform authentication on the account and applying for exclusive account information further includes agreeing on specific top-up matching rules for the account;

[0012] The account transfers and remits money to the main platform account.

[0013] Further, the step of the account transferring money to the platform main account further includes that when the user transfers money to the platform main account and the transfer condition is met, the user identity identifier is obtained according to a specific top-up matching rule, and the query top-up service is completed.

[0014] Further, the step of obtaining the user identity identifier according to a specific top-up matching rule further includes

[0015] querying the transfer transaction remarks and the transfer bank account name, and matching them with the matching strategy defined by the user to obtain the user identity identifier;

[0016] or preferentially matching the remarks information of the complete remittance transaction record with the remarks strategy defined by the user to obtain the user identity identifier;

[0017] or matching the remittance account name defined by the user with the transfer bank name of the transfer order to obtain the user identity identifier.

[0018] Further, it further includes

[0019] If the specific top-up matching is successful, then perform transfer remarks matching according to the fuzzy matching of the remarks defined by the user;

[0020] Perform platform real-name authentication matching on the transfer orders that succeed in transfer remarks matching, and complete the formal top-up and posting.

[0021] Further, the step of obtaining the user identity identifier according to a specific top-up matching rule and completing the query top-up service further includes:

[0022] Query the latest transfer and remittance order according to the bank transaction timestamp of the last top-up information, and store the query information locally;

[0023] Perform local latest remittance order screening, and screen out the orders where the user remits money to the main account;

[0024] Query the top-up matching rule defined by the user and process it into a comparable data structure;

[0025] Match each order of the main account transfer and remittance according to the custom matching strategy;

[0026] If the rule matching is successful, then associate the user account name with the exclusive account identity identifier, and perform top-up through the user account name.

[0027] Further, the step of if the rule matching is successful, then associating the user account name with the exclusive account identity identifier further includes

[0028] Perform real-name authentication matching on the successfully matched transaction orders. For those matched through transfer remarks, it is necessary to verify whether the user's real-name information is the same as the user's bank transfer name;

[0029] If they are the same, directly store the record of pending automatic addition and deduction of funds and wait for the addition task to be processed. If they are different, note that it requires manual verification and no automatic addition of funds.

[0030] Furthermore, the step of directly storing the record of pending automatic addition and deduction of funds and waiting for the addition task to be processed when they are the same further includes,

[0031] The addition task periodically queries the stored records of pending automatic addition of funds for addition processing;

[0032] After the addition information is queried, according to the recorded bank transaction serial number, query the addition log of the platform to confirm that this transaction is for addition processing. Otherwise, modify the transaction processing status and proceed to the next one;

[0033] According to the matched user identity identifier and the exclusive account identity identifier, call the addition service of the platform to complete the addition of funds for the user's unprocessed remittance order record.

[0034] Furthermore, it also includes performing an addition exception alarm when the system runs abnormally or there is an addition exception, and manually processing the abnormal transfer records. Among them,

[0035] The system abnormality includes that when requesting to query the bank transfer transaction details, there is no response from the bank side, the response message is abnormal, or the parsing fails, resulting in the failure of the current query;

[0036] The addition exception includes the exception that occurs when the addition task calls the addition interface of the platform account.

[0037] Even further, it also includes verifying the historical transfer records, viewing the relevant historical transfer details, and reviewing the price information.

[0038] To achieve the above purpose, the present invention also provides an account recharge device, which applies the account recharge method as described above, including a transfer module, an acquisition module, and an update module. Among them,

[0039] The transfer module is used to remit money to the bank through the corporate bank account number and the user's exclusive tail number;

[0040] The acquisition module is used to periodically acquire the transaction details of the corporate bank account number;

[0041] The update module is used to determine the user's exclusive account according to the user's exclusive tail number of the remitter and perform real-time update on the exclusive account;

[0042] The transfer module further includes an authentication unit, a matching unit, and a remittance unit. Among them,

[0043] The authentication unit is used to complete account authentication and apply for exclusive account information on the platform;

[0044] The matching unit is used to make an agreement on specific top-up matching rules on the platform;

[0045] The remittance unit is used to transfer money to the main bank account of the platform.

[0046] To achieve the above object, the present invention also provides an electronic device, including a memory and a processor. A computer program is stored on the memory and runs on the processor. When the processor runs the computer program, it executes the steps of the account top-up method described above.

[0047] To achieve the above object, the present invention also provides a computer-readable storage medium, on which a computer program is stored. When the computer program runs, it executes the steps of the account top-up method described above.

[0048] The account top-up method of the present invention has the following beneficial effects:

[0049] 1) After the user transfers money to the exclusive account, there is no need to provide a receipt or notify relevant personnel such as the customer service. The transferred amount will be automatically added to the balance system of the platform without the need for manual supervision.

[0050] 2) For regular transfer top-up services, there is no need for manual verification and intervention by the customer service and finance.

[0051] Other features and advantages of the present invention will be described in the following specification, and some of them will become obvious from the specification or be understood by implementing the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] The drawings are used to provide a further understanding of the present invention, and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation to the present invention. In the drawings:

[0053] Figure 1 is a flowchart of the account top-up method according to the present invention;

[0054] Figure 2 is a schematic diagram of the account top-up device module according to the present invention;

[0055] Figure 3 is a schematic diagram of the transfer module according to the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0056] The following describes the preferred embodiments of the present invention with reference to the drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, and are not used to limit the present invention.

[0057] Example 1

[0058] Figure 1 is a flowchart of the account top-up method according to the present invention. The account top-up method of the present invention will be described in detail below with reference to Figure 1 .

[0059] First, in step 101, the user remits money to the bank through the exclusive account.

[0060] Preferably, the user's exclusive account is a corporate bank account + the user's exclusive tail number.

[0061] Preferably, before the user transfers money to the main bank account of the platform, the following three transfer conditions need to be met: a) have completed authentication on the platform and applied for exclusive account information; b) have completed the agreement of specific top-up matching rules on the platform, such as: matching transaction descriptions, matching transfer bank account names, and multiple remittance accounts matching the same account; c) transfer money to the main bank account of the platform.

[0062] In this embodiment, the step of completing the agreement of specific top-up matching rules on the platform can be specifically executed as:

[0063] (1) Query the transaction remarks of the transfer transaction and match the transfer bank account name with the matching strategy defined by the user;

[0064] (2) Will preferentially match the remarks information of the complete remittance transaction record with the remarks strategy defined by the user to obtain the user ID;

[0065] (3) Match the remittance account name defined by the user with the transfer bank name of the transfer order to obtain the user ID.

[0066] (4) Perform transfer remarks matching according to the fuzzy matching of the remarks defined by the user.

[0067] (5) Finally, perform platform real-name authentication matching on the transfer orders that have successfully matched through transfer remarks to complete the formal top-up and posting.

[0068] (6) If any of the above (1), (2), (3) matches successfully, then perform the operation of (4) to complete the matching of specific top-up strategies.

[0069] In this embodiment, the matching strategies defined by the user include complete remarks matching, remittance account name matching, and remarks fuzzy matching, and the priorities decrease from left to right. For example, if the matching is successful through the complete matching of remarks information, then it is determined that the transfer record is initiated from the exclusive account that is matched, and then the next remittance record is processed; if not successful, then continue with the next rule until the rule matching ends. Finally, the verification of the special account bank name and real-name information is performed uniformly.

[0070] In this embodiment, the complete transfer note information includes a unique sentence or a string determined by the user. For example: "kxllkxg prepayment kxllkxg prepayment". When matching, check whether the note information is the same as this.

[0071] In this embodiment, the steps of performing transfer note matching according to the fuzzy matching of the notes defined by the user can be specifically executed as follows: For example, the strategy defined by the user is: fuzzy matching on the left side, and the matching characters are (zhang20160104 prepayment). Then when the user transfers money and the note information is: "zhang20160104 prepayment 2021-06-12", this transfer transaction can be successfully matched. Fuzzy matching is mainly to solve the problem that when some bank transfers, the note information will automatically carry a serial number, resulting in the inability to use the complete note matching strategy. For example, some notes are like this (NG2021060726103058359906410102506jigsongjiayou). In fact, only the string (jigsongjiayou) is filled in by the user, and the previous ones are added by the bank system. In this case, the fuzzy matching strategy, the left side or the right side strategy, can be used.

[0072] In this embodiment, the steps of performing platform real-name authentication matching on the transfer orders successfully matched by the transfer note can be specifically executed as follows: Suppose the user's real name is the enterprise name, but uses a personal card to transfer money to a dedicated account. Although this sum of money can correspond to the aggregated platform account, the name of the remitting bank (personal name) does not match the name of the user's real-name authentication, and the addition operation cannot be performed. It needs to be processed manually and the operation is returned.

[0073] In this embodiment, a transfer order refers to a complete remittance transaction record, including transaction note information, transfer bank name, transaction serial number, etc.

[0074] Preferably, when the user transfers money to the main account of the platform bank and meets the transfer conditions, the system obtains the user ID according to the rule matching and completes the query and addition service.

[0075] In this embodiment, the steps of the system obtaining the user ID according to the rule matching and completing the query and addition service can be specifically executed as follows:

[0076] (1) The platform will query the latest transfer and remittance orders according to the bank transaction timestamp of the last addition information, and temporarily store them locally;

[0077] (2) Screen the latest remittance orders locally and screen out the orders where the user remits money to the main account;

[0078] (3) Query the rules defined by the user and process them into a comparable data structure;

[0079] (4) Match each order of the main account transfer and remittance according to the custom rules: the priorities are as follows: full transaction remarks matching, transfer bank account name matching, fuzzy transaction remarks matching.

[0080] (5) If the rule matching is successful, associate the user account name and the exclusive account ID, and add funds through the user account name.

[0081] (6) Perform real-name matching on the successfully matched transaction orders. For those matched through the transfer remarks, it is necessary to verify whether the user's real-name information is the same as the user's bank transfer name; if the same, directly store the record and wait for the fund addition task to be processed; if not, note that it needs to be manually verified and no automatic fund addition is performed temporarily.

[0082] (7) The fund addition task periodically queries the records to be automatically added funds stored in (6) for fund addition processing:

[0083] (8) After querying the fund addition information, first query the fund addition log of the platform according to the recorded bank transaction serial number to confirm that the transaction is for fund addition processing; otherwise, modify the transaction processing status and proceed to the next one.

[0084] (9) For the unprocessed remittance order records, call the fund addition service of the platform according to the matched user ID and exclusive account ID to complete the user fund addition.

[0085] In this embodiment, the step of querying the user-defined rules in step (3) and processing them into a comparable data structure can be specifically implemented as follows: the data queried from the database is row by row without identification. Here, the system service processes the data row by row into a data structure that is easy to compare, such as an object or an array, which is convenient for the program to perform one-by-one matching.

[0086] In this embodiment, the step of associating the user account name and the exclusive account ID and adding funds through the user account name can be specifically implemented as follows: the platform will store a copy of the exclusive account ID and the platform user UID (user account name). The last fund addition link is to add funds through the UID. Therefore, according to the policy matching, the exclusive account is obtained, and then the user UID is associated for subsequent fund addition.

[0087] In this embodiment, the step of step (9) for the unprocessed remittance order records to call the fund addition service of the platform according to the matched user ID and exclusive account ID to complete the user fund addition can be specifically implemented as follows: when remitting, write the full aggregation sub-account, write the aggregation general account for the remittance account, and write, for example, Department A in the remarks. Determine the corresponding sub-account according to the pre-configured correspondence between Department A and the aggregation sub-account. Multiple companies can be pre-set to correspond to the same account, which can realize remittance to the aggregation account.

[0088] Preferably, configure the user account fund addition policy.

[0089] In this embodiment, the steps of configuring the user account top-up policy can be specifically executed as follows:

[0090] (1) The user can submit specific transaction remarks, such as the platform account name, etc.;

[0091] (2) The user can also submit transaction remarks for fuzzy matching, such as matching from the left or right side of the remarks;

[0092] (3) If the user has specific transaction remarks for the transfer task, the user can also submit the bank account name for transfer and remittance, and multiple transfer bank account names are supported to correspond to the same account;

[0093] (4) After the user submits the matching rule, the rule will be bound and associated with the user's platform account and exclusive account to generate a customized top-up matching policy.

[0094] In this embodiment, the steps of fuzzy matching from the left or right side of the remarks can be specifically executed as follows: Left half fuzzy matching: If the matching character defined by the user is (zhang20160104 prepayment), then when the user transfers money and the remarks information is: "zhang20160104 prepayment 2021-06-12", this transfer transaction can be successfully matched; It is sufficient to be able to match the complete string defined by the user starting from the left.

[0095] Right half fuzzy matching: When some bank transfers, the remarks information will automatically carry a serial number, resulting in the inability to use the complete remarks matching policy: For example, some remarks are like this (NG2021060726103058359906410102506jigsongjiayou), in fact, only the string (jigsongjiayou) is filled in by the user, and the previous part is added by the bank system; In this case, the fuzzy matching policy and the right half matching policy can be used.

[0096] In this embodiment, the matching rules of multiple strategies and the strict verification strategy can avoid a series of problems caused by the user remembering the exclusive account incorrectly.

[0097] In step 102, the system can regularly obtain the bank statement of the corporate bank account. In this step, the platform does not need to wait for the bank transfer notice and actively queries the transfer statement of the platform bank account to avoid problems such as bank notice delay or abnormality.

[0098] In step 103, determine the user's exclusive account according to the user's exclusive tail number of the remitting party, and update the balance of the exclusive account in real time.

[0099] Preferably, update the balance of the user account corresponding to the exclusive account. Each user has a unique account balance information on the aggregation platform.

[0100] Preferably, when the system runs abnormally or there is an abnormal payment addition, send an abnormal payment addition warning to relevant personnel for timely handling.

[0101] In this embodiment, system abnormality mainly refers to the failure of the bank end to respond, abnormal response messages, or parsing failures when requesting to query the bank transfer transaction details, resulting in the failure of the current query. At this time, the system will capture the abnormal information and notify the application group of the platform, such as QQ, to notify relevant personnel to view it in a timely manner. At the same time, the query task will be reset and wait for the next query.

[0102] In this embodiment, abnormal payment addition mainly refers to the abnormalities that occur when the payment addition task calls the platform account payment addition interface: such as abnormal account information. Similarly, it will be notified to the application group, and at the same time, the transfer transaction will be updated and wait for appropriate handling.

[0103] Preferably, conduct verification of historical transfer records, allowing relevant personnel to view historical transfer details and review payment information.

[0104] In this embodiment, the steps of conducting verification of historical transfer records, allowing relevant personnel to view historical transfer details and review payment information can be specifically implemented as follows:

[0105] (1) Independently open the query of all transfer and remittance transaction records within a certain period of the historical transfer records of the bank account.

[0106] (2) Conduct a joint match between the bank transaction details in the transfer historical order and the platform payment addition log records to mark whether the record has been paid; this makes it clear at a glance when viewing the order in case of abnormalities.

[0107] (3) For the main account transfer order, if the user who has not submitted the matching strategy in time after the transfer payment addition cycle ends, after the strategy is submitted, the management personnel can initiate the transfer order again manually through this verification step to complete the user-defined strategy matching for payment addition.

[0108] Preferably, manually process abnormal transfer records. In this step, for example, when the exclusive account is not opened or the authentication information does not match the transfer bank account name before the user transfers and remits money, the account payment addition will fail. At this time, manual intervention can be carried out for posting.

[0109] Embodiment 2

[0110] Figure 2 For the schematic diagram of the account recharge device module according to the present invention, the account recharge device of the present invention will be described in detail below with reference to Figure 2 , and will be described in detail.

[0111] As Figure 2 shown, the account recharge device of the present invention includes a main account platform 10, and the main account platform 10 includes a transfer module 110, an acquisition module 120, and an update module 130. Among them,

[0112] the transfer module 110 is used to remit money to the bank through the corporate bank account number and the user's exclusive tail number;

[0113] the acquisition module 120 is used to regularly acquire the transaction details of the corporate bank account number;

[0114] the update module 130 is used to determine the user's exclusive account number according to the user's exclusive tail number of the remitter, and perform real-time update on the exclusive account number;

[0115] Figure 3 is a schematic diagram of the transfer module according to the present invention. As Figure 3 shown, the transfer module 110 includes an authentication unit 111, a matching unit 112, and a remittance unit 113. Among them,

[0116] the authentication unit 111 is used to complete account authentication and apply for exclusive account information on the platform;

[0117] the matching unit 112 is used to make an agreement on specific additional payment matching rules on the platform;

[0118] the remittance unit 113 is used to transfer and remit money to the main account number of the platform bank.

[0119] Specifically, the matching unit 112 is used to execute the matching of the transaction remarks of the query transfer transaction and the transfer bank account name with the user-defined matching strategy; or preferentially match the complete transfer remarks information with the user-defined remarks strategy to obtain the user ID; or match the user-defined remittance account name with the transfer bank name of the transfer order to obtain the user ID; if any matching is successful, the transfer remarks are matched according to the fuzzy matching of the user-defined remarks, and the platform real-name authentication matching is performed on the transfer order with successful transfer remarks matching to complete the specific additional payment strategy matching.

[0120] In another embodiment, the transfer module 110 further includes a top-up unit, which is used to when the user transfers and remits money to the main account of the platform bank and meets the transfer conditions, the system obtains the user ID according to the rule matching to complete the query top-up service.

[0121] Specifically, the deposit adding unit is used to query the latest transfer and remittance orders according to the bank transaction timestamp of the last deposit adding information and temporarily store them locally. The local system filters the latest remittance orders and selects the orders where the user remits money to the main account. It queries the user-defined deposit adding matching rules and processes them into a comparable data structure. Each order of transferring money to the main account is matched according to the custom rules: the priorities are such as complete transaction remarks matching, transfer bank account name matching, and fuzzy transaction remarks matching. If the rule matching is successful, the user account name and the exclusive account ID are associated. For the transaction orders with successful matching, real-name matching is performed. For those matched through the transfer remarks, it is necessary to verify whether the user's real-name information is the same as the user's bank transfer name; if they are the same, the record is directly stored and waiting for the deposit adding task to be processed, and if they are different, it is noted that manual verification is required and no automatic deposit adding is performed temporarily.

[0122] Specifically, the deposit adding unit is also used to regularly query the stored records to be automatically added with deposits for deposit adding processing. After querying the deposit adding information, first, according to the bank transaction serial number of the record, it queries the deposit adding log of the platform to confirm that this transaction is for deposit adding processing; otherwise, it modifies the transaction processing status for the next one. For the unprocessed remittance order records, according to the matched user ID and exclusive account ID, it calls the deposit adding service of the platform to complete the user deposit adding.

[0123] In another embodiment, the transfer module 110 further includes an account deposit adding configuration unit for configuring the user account deposit adding strategy.

[0124] Specifically, the account deposit adding configuration unit is used to submit specific transaction remarks, such as the platform account name, etc.; or submit fuzzy-matched transaction remarks, such as matching from the left or right side of the remarks.

[0125] Specifically, the account deposit adding configuration unit is also used to, if there are specific transaction remarks in the user's transfer task, submit the bank account name for transfer and remittance, supporting multiple transfer bank account names corresponding to the same account; after submitting the matching rules, the rules will be bound and associated with the user platform account and the exclusive account to generate a custom deposit adding matching strategy.

[0126] In another embodiment, the update module 130 further includes an exception handling unit, which is used to give a deposit adding exception warning to relevant personnel when the system runs abnormally or there is a deposit adding exception for timely handling.

[0127] In another embodiment, the update module 130 further includes a verification unit, which is used to verify the historical transfer records, allowing relevant personnel to view the historical transfer details and review the payment information.

[0128] Specifically, the verification unit is used to independently query all transfer and remittance transaction records within a certain period of the historical transfer records of the open bank account. By jointly matching the bank transaction flow in the transfer historical order with the platform top-up log record, it is marked whether the record has been top-up; in this way, it is clear at a glance when viewing the order in case of abnormalities. For the main account transfer order, if the transfer top-up cycle ends and the user who has not submitted the matching strategy in time, after submitting the strategy, the administrator can initiate the transfer order manually again through this verification step to complete the user-defined strategy matching for top-up.

[0129] In one embodiment of the present invention, an electronic device is further provided, including a memory and a processor. A computer program is stored on the memory and runs on the processor. When the processor runs the computer program, it executes the steps of the account recharge method as described above.

[0130] In one embodiment of the present invention, a computer-readable storage medium is further provided, on which a computer program is stored. When the computer program runs, it executes the steps of the account recharge method as described above.

[0131] Those of ordinary skill in the art can understand that the above description is only the preferred embodiment of the present invention and is not used to limit the present invention. Although the present invention has been described in detail with reference to the foregoing embodiments, for those skilled in the art, they can still modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements for some of the technical features. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. An account recharge method, characterized in that, It includes the following steps: Authenticate the account on the platform and apply for exclusive account information, complete the agreement on specific top-up matching rules for the account through the platform, and transfer money from the account to the main account of the platform; The step of transferring money from the account to the main account of the platform further includes that when the user transfers money to the main account of the platform and meets the transfer conditions, obtain the user identity identifier according to the specific top-up matching rules to complete the query top-up service; Remit money to the bank through the corporate bank account number and the user's exclusive account information; Regularly obtain the transaction details of the corporate bank account number; Determine the user's exclusive account according to the user's exclusive tail number of the remitter, and update the balance information of the exclusive account in real time; The step of obtaining the user identity identifier according to the specific top-up matching rules to complete the query top-up service further includes: Query the latest transfer order according to the bank transaction timestamp of the last top-up information, and store the query information locally; Perform local screening of the latest remittance orders and screen out the orders where the user remits money to the main account; Query the user-defined top-up matching rules and process them into a comparable data structure; Match each order of transferring money from the main account according to the user-defined matching strategy; the priority from high to low is complete transaction note matching, transfer bank account name matching, and fuzzy transaction note matching; If the rule matching is successful, associate the user account name with the exclusive account identity identifier and top up through the user account name.

2. The account recharge method according to claim 1, characterized in that, The step of obtaining the user identity identifier according to the specific top-up matching rules further includes Query the transfer transaction note and the transfer bank account name, and match them with the user-defined matching strategy to obtain the user identity identifier; Or preferentially match the note information of the complete remittance transaction record with the user-defined note strategy to obtain the user identity identifier; Or match the user-defined remitter name with the transfer bank name of the transfer order to obtain the user identity identifier.

3. The account recharge method according to claim 2, characterized in that, It further includes If the specific top-up matching is successful, perform transfer note matching according to the user-defined note fuzzy matching; Perform platform authentication matching on the transfer orders that succeed in transfer note matching to complete the formal top-up and posting.

4. The account recharge method according to claim 1, characterized in that, The step of associating the user account name with the exclusive account identity identifier if the rule matching is successful further includes Perform authentication matching on the transaction orders that succeed in matching. For those matched through the transfer note, it is necessary to verify whether the user's real-name information is the same as the user's bank transfer name; If they are the same, directly store the record of waiting for automatic addition and deduction and wait for the top-up task to be processed. If they are not the same, note that it requires manual verification and no automatic top-up.

5. The account recharge method according to claim 4, characterized in that, The step of directly storing the record of waiting for automatic addition and deduction and waiting for the top-up task to be processed if they are the same further includes The top-up task regularly queries the stored records of waiting for automatic top-up for top-up processing; After querying the top-up information, according to the bank transaction serial number recorded, query the top-up log of the platform to confirm that this transaction is for top-up processing. Otherwise, modify the transaction processing status for the next one; According to the matched user identity identifier and exclusive account identity identifier, call the top-up service of the platform to complete the top-up of the user for the unprocessed remittance order record.

6. The account recharge method according to claim 1, characterized in that, It also includes making a warning for abnormal payment addition when the system runs abnormally or there is an abnormal payment addition, and manually processing the abnormal transfer record. Among them, the system abnormality includes that when requesting to query the bank transfer transaction details, there is no response from the bank side, the response message is abnormal, or the parsing fails, resulting in the failure of the current query; the abnormal payment addition includes the abnormality that occurs when the payment addition task calls the platform account payment addition interface.

7. The account recharge method according to claim 1, characterized in that, It also includes verifying the historical transfer records, viewing the relevant historical transfer details, and reviewing the payment information.

8. An account recharge device, applying the account recharge method according to claim 1, characterized in that, It includes a transfer module, an acquisition module, and an update module. Among them, the transfer module is used to remit money to the bank through the corporate bank account number and the user's exclusive tail number; the acquisition module is used to regularly acquire the transaction details of the corporate bank account number; the update module is used to determine the user's exclusive account according to the user's exclusive tail number of the remitting party and perform real-time update on the exclusive account; the transfer module further includes an authentication unit, a matching unit, and a remittance unit. Among them, the authentication unit is used to complete account authentication and apply for exclusive account information on the platform; the matching unit is used to make an agreement on specific payment addition matching rules on the platform; the remittance unit is used to transfer and remit money to the main platform bank account; the transfer module further includes a payment addition unit. The payment addition unit is used to query the latest transfer remittance order according to the bank transaction timestamp of the last payment addition information, store the query information locally; perform local screening of the latest remittance order and screen out the order of the user remitting money to the main account; query the user-defined payment addition matching rules and process them into a comparable data structure; match each order of the main account transfer and remittance according to the custom matching strategy; the priority from high to low is complete transaction note matching, transfer bank account name matching, and fuzzy transaction note matching; if the rule match is successful, then associate the user account name and the exclusive account identity identifier, and make a payment addition through the user account name.

9. An electronic device, characterized in that, It includes a memory and a processor. The memory stores a computer program that runs on the processor. When the processor runs the computer program, it executes the steps of the account recharge method according to any one of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, characterized in that, When the computer program runs, it executes the steps of the account recharge method according to any one of claims 1 to 7.

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