Method and apparatus for processing fund data

Abstract

This application provides a method and apparatus for processing funds data. In this scheme, after a third-party advance payment institution advances funds to a target customer, it can apply for the advance payment funds through a factoring service platform. Since the target customer is a customer authorized by the payment institution platform to have the factoring service platform deduct the advance payment funds from the target customer's claim amount, after the payment institution platform receives the insurance claim funds paid by the insurance institution to the target customer, the factoring service platform can initiate an advance payment deduction application to the payment institution platform. This allows the payment institution platform to deduct the target amount corresponding to the advance payment funds from the target customer's insurance claim funds and transfer the funds to the factoring service platform. Consequently, the factoring service platform can obtain the corresponding repayment of the advance payment funds. This avoids the third-party advance payment institution obtaining repayment by pursuing the advance payment funds from the customer, reduces the complexity of recovering the advance payment funds, and improves the security of funds.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method and apparatus for processing financial data. Background Technology

[0002] In the medical insurance claims process, it is common for a third-party institution to advance the expenses for the insured or beneficiary. After the insurance company pays the claim amount to the insured or beneficiary, the insured or beneficiary then returns the advance payment to the third-party institution.

[0003] If a third-party institution advances funds for the insured or beneficiary, and the insured or beneficiary does not voluntarily repay the advanced funds after receiving compensation from the insurance company, the third-party institution will need to pursue the advanced funds from the insured or beneficiary. This process is complex and can easily result in the advanced funds being unrecoverable, leading to low fund security. Summary of the Invention

[0004] In view of this, this application provides a method and apparatus for processing financial data to improve the reliability of advance payments and reduce the risk of financial security.

[0005] To achieve the above objectives, this application provides a financial data processing method applied to a factoring service platform, comprising:

[0006] Obtain advance payment order information, which indicates: customer information of the target customer for whom the advance payment was made by a third-party advance payment institution, wherein the advance payment made by the third-party advance payment institution to the target customer is the advance payment obtained by the third-party advance payment institution from the factoring service platform, and the target customer is the customer authorized by the payment institution platform to have the advance payment deducted from the claim amount of the target customer;

[0007] Send the advance payment order information to the payment institution platform;

[0008] The payment institution receives a claim settlement notification from the payment institution platform, which is generated by the payment institution platform after receiving insurance claim funds paid by the insurance institution to the target customer.

[0009] In response to the claim payment notification, an advance payment deduction application is initiated to the payment institution platform. The advance payment deduction application is used to request the deduction of the target amount corresponding to the advance payment funds from the insurance claim funds of the target customer, so that the payment institution platform can transfer the target amount of funds to the account bound to the factoring service platform, so that the factoring service platform can obtain the repayment corresponding to the advance payment funds.

[0010] In one possible implementation, obtaining the advance payment order information includes:

[0011] The applicant receives a payment request from a third-party payment institution through a payment service platform. The payment request includes: the target amount of the payment to be made by the third-party payment institution for the target customer, and the customer information of the target customer.

[0012] If, based on the customer information of the target customer, it is confirmed that the target customer is a customer authorized to have funds deducted and advanced, the target amount of funds is transferred to the account of the third-party advance payment institution;

[0013] Generate a pending payment order corresponding to the third-party payment institution and the target customer, the pending payment order including payment order information.

[0014] In one possible implementation, before obtaining the prepaid order information, the following is also included:

[0015] The system receives a deduction authorization request sent by the advance payment service platform. The deduction authorization request is generated by the advance payment service platform after receiving a deduction authorization request initiated by the target customer and confirming that the target customer has completed the account opening operation on the payment institution platform. The deduction authorization request carries the customer information of the target customer, who is a user who applies for fund advance payment from a third-party advance payment institution through the advance payment service platform.

[0016] In response to the direct debit authorization application, an authorization process call instruction is sent to the payment institution platform. The authorization process call instruction carries the customer information of the target customer, so as to complete the operation of the target customer authorizing the direct debit of funds to the factoring service platform through the payment institution platform.

[0017] Upon receiving the authorization success indication returned by the payment institution platform, the target customer is identified as the customer authorized to deduct and advance funds, and the customer information of the target customer is stored. The authorization success indication is used to indicate that the payment institution platform confirms that the target customer has authorized the factoring service platform to deduct and advance funds.

[0018] In another possible implementation, before initiating the advance payment deduction application to the payment institution platform, the method further includes:

[0019] The payment institution platform returns advance payment amount information, which indicates the target amount of the advance payment funds. Based on the target amount of the advance payment funds, the payment institution platform transfers the target amount of funds to the virtual transfer account corresponding to the target customer, and transfers the remaining claim funds to the user account associated with the target customer. The remaining claim funds are the funds remaining after deducting the target amount from the insurance claim funds.

[0020] The payment institution receives a successful fund caching notification from the payment institution platform, indicating that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account.

[0021] The process of initiating an advance payment deduction application to the payment institution platform includes:

[0022] In response to the successful fund caching notification, an advance payment deduction application is initiated to the payment institution platform, so that the payment institution platform transfers the funds in the target customer's virtual transit account to the factoring service platform's account.

[0023] Another possible implementation includes:

[0024] After confirming that the payment institution platform has transferred the target amount to the account bound to the factoring service platform, the payment order information is confirmed to have completed the repayment process, and a repayment success indication is sent to the payment service platform. The repayment success indication is used to indicate that the advance funds corresponding to the third-party payment institution and the target customer have been repaid.

[0025] Furthermore, this application also provides a resource data processing method, including:

[0026] The factoring service platform obtains advance payment order information, which indicates: customer information of the target customer for whom the advance payment was made by a third-party advance payment institution, wherein the advance payment made by the third-party advance payment institution to the target customer is the advance payment obtained by the third-party advance payment institution from the factoring service platform, and the target customer is the customer authorized by the payment institution platform to have the advance payment deducted from the target customer's claim amount;

[0027] The factoring service platform sends the advance payment order information to the payment institution platform;

[0028] The payment platform obtains insurance claim funds and claim user information from the insurance institution.

[0029] If the payment institution platform determines that the claim user information matches the target customer's customer information, it sends a claim payment notification to the factoring service platform. The claim payment notification is used to instruct the insurance institution to pay the insurance claim funds to the target customer.

[0030] In response to the claims payment notification, the factoring service platform initiates an advance payment deduction application to the payment institution platform. The advance payment deduction application is used to request the deduction of the target amount corresponding to the advance payment from the insurance claims funds of the target customer.

[0031] The payment institution platform transfers the target amount of the insurance claim funds to the account bound to the factoring service platform, and transfers the remaining funds after deducting the target amount from the insurance claim funds to the user account bound to the target customer.

[0032] In one possible implementation, before the factoring service platform obtains the advance payment order information, the following is also included:

[0033] The advance payment service platform receives an account opening application initiated by a target customer and sends an account opening request to the payment institution platform. The account opening application is initiated by the target customer after the advance payment service platform initiates a fund advance application to a third-party advance payment institution, and after the third-party advance payment institution and the target customer sign a fund advance agreement.

[0034] In response to the account opening request, the payment institution platform obtains the target customer's identity verification information through the advance payment service platform.

[0035] After the payment institution platform verifies the legitimacy of the identity verification information, it opens a user account for the target customer and returns the user account information corresponding to the target customer to the advance payment service platform, so that the advance payment service platform outputs an account opening success reminder to the target customer;

[0036] The advance payment service platform receives the deduction authorization request initiated by the target customer and sends a deduction authorization application to the factoring service platform. The deduction authorization application carries the customer information of the target customer.

[0037] In response to the direct debit authorization application, the factoring service platform sends an authorization process call instruction to the payment institution platform. The authorization process call instruction carries the customer information of the target customer, so as to complete the operation of the target customer authorizing the direct debit of funds to the factoring service platform through the payment institution platform.

[0038] Upon receiving an authorization success indication from the payment institution platform, the factoring service platform identifies the target customer as the authorized customer for direct debit of funds, stores the target customer's customer information, and the authorization success indication indicates that the payment institution platform confirms that the target customer has authorized the factoring service platform to directly debit funds.

[0039] In another possible implementation, after the factoring service platform identifies the target customer as the authorized customer for direct debit payment, it further includes:

[0040] The factoring service platform returns an authorization success result to the advance payment service platform, which indicates that the target customer has authorized the factoring service platform to deduct the advance payment funds on their behalf.

[0041] In response to the successful authorization result, the advance payment service platform sends an advance payment notification to the terminal of the third-party advance payment institution. The advance payment notification is used to indicate that the target customer is eligible to receive advance payment funds.

[0042] In another possible implementation, the payment institution platform, while opening a user account for the target customer, also includes: generating a virtual transit account associated with the target customer;

[0043] Before the factoring service platform initiates an advance payment deduction application to the payment platform, the following steps are also included:

[0044] The factoring service platform returns advance payment information to the payment institution platform, and the advance payment information indicates the target amount of the advance payment funds;

[0045] Based on the target amount of the advance payment, the payment institution platform transfers the target amount of funds to the virtual transfer account corresponding to the target customer, and transfers the remaining claim funds to the user account associated with the target customer. The remaining claim funds are the funds remaining after deducting the target amount from the insurance claim funds.

[0046] The payment institution platform sends a fund caching success notification to the factoring service platform, indicating that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account;

[0047] In response to the successful fund caching notification, the factoring service platform initiates an advance payment deduction application to the payment institution platform;

[0048] In response to the advance payment deduction application, the payment institution platform transfers the target amount of funds in the virtual transfer account to the factoring service platform's account.

[0049] Furthermore, this application also provides a financial data processing device for use in a factoring service platform, comprising:

[0050] The order acquisition unit is used to acquire advance payment order information, which indicates: customer information of the target customer for whom the advance payment was made by a third-party advance payment institution, wherein the advance payment made by the third-party advance payment institution to the target customer is the advance payment obtained by the third-party advance payment institution from the factoring service platform, and the target customer is the customer authorized by the payment institution platform to have the advance payment deducted from the claim amount of the target customer;

[0051] An order sending unit is used to send the advance payment order information to the payment institution platform;

[0052] The notification receiving unit is used to receive the claims payment notification sent by the payment institution platform. The claims payment notification is generated by the payment institution platform after it receives the insurance claim funds paid by the insurance institution to the target customer.

[0053] The deduction application unit is used to respond to the claim payment notification by initiating a deduction application to the payment institution platform. The deduction application requests the deduction of a target amount corresponding to the advance payment from the insurance claim funds of the target customer, so that the payment institution platform can transfer the target amount to the account bound to the factoring service platform, and the factoring service platform can obtain the repayment corresponding to the advance payment.

[0054] As can be seen from the above, in this embodiment of the application, when a third-party payment institution has advanced funds to the target customer, the third-party payment institution can apply for the advanced funds through the factoring service platform. Based on this, the factoring service platform can send the advance order information containing the target customer's information to the payment institution platform.

[0055] Since the target customer is someone authorized by the payment institution platform to have the factoring service platform deduct advance funds from their claim amount, after the payment institution platform receives the insurance claim funds paid by the insurance institution to the target customer, it can send a claim payment notification to the factoring service platform. This allows the factoring service platform to initiate an advance deduction application to the payment institution platform. Consequently, the payment institution platform can deduct the target amount corresponding to the advance funds from the target customer's insurance claim funds and transfer it to the factoring service platform. This allows the factoring service platform to receive the corresponding repayment of the advance funds, avoiding the need for third-party advance payment institutions to recover advance funds from customers. This reduces the complexity of recovering advance funds and improves the security of funds. Attached Figure Description

[0056] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only embodiments of this application. For those skilled in the art, other drawings can be obtained based on the provided drawings without creative effort.

[0057] Figure 1 This illustration shows a flowchart of a financial data processing method provided in an embodiment of this application;

[0058] Figure 2 This illustration shows a flowchart of authorized advance payment deduction in a fund data processing method provided in an embodiment of this application.

[0059] Figure 3 This illustration shows a flowchart of a third-party advance payment institution applying for funds from a factoring service platform in a fund data processing method provided in an embodiment of this application.

[0060] Figure 4 This illustration shows another flowchart of a financial data processing method provided in an embodiment of this application.

[0061] Figure 5 This illustration shows a schematic diagram of the composition structure of a financial data processing device provided in an embodiment of this application. Detailed Implementation

[0062] The inventors of this application discovered through research that when a third-party payment agency advances some insurance claim-related funds for insured customers, if the insurance company or other insurance institution pays the claim to the customer and the customer does not voluntarily repay the money, the third-party payment agency needs to frequently pursue the advance funds, and often cannot recover the advance funds, resulting in low fund security.

[0063] However, if insurance companies directly transfer claim payments to third-party payment agencies, it would not comply with some insurance terms. For example, in some medical insurance policies, the insurance contract generally stipulates that insurance claims must be paid directly to the insured or beneficiary. Therefore, insurance companies cannot transfer claim payments to the accounts of third-party payment agencies in advance.

[0064] To address the aforementioned issues, and considering that some third-party advance payment institutions have large cash flows and frequently experience shortages of advance payment funds, this application proposes to provide advance payment support to third-party advance payment institutions through factoring service platforms of factoring service institutions other than the third-party advance payment institutions. Furthermore, by configuring the factoring service platform with the payment institution's platform and authorizing the customer to deduct funds from the factoring service platform, it can be ensured that the factoring service platform can reliably recover the advance payment funds.

[0065] The factoring service platform can be any factoring service institution other than a third-party advance payment institution that can provide advance payment support to a third-party advance payment institution, without any restrictions. Correspondingly, the factoring service platform can be the server, server cluster, distributed server system, or cloud platform maintained by the factoring service institution, without any restrictions.

[0066] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0067] To make it easier to understand, let's start with the factoring service platform.

[0068] like Figure 1 The diagram illustrates a flowchart of an embodiment of a financial data processing method according to this application. The method of this embodiment is applied to a factoring service platform. The method of this embodiment may include:

[0069] S101, obtain the order information for advance payment.

[0070] Among them, the advance payment order information indicates: customer information of the target customer whose advance payment funds were advanced by a third-party advance payment institution.

[0071] The funds advanced by the third-party payment institution to the target customer are funds obtained by the third-party payment institution from the factoring service platform. For example, after advancing funds to the target customer, the third-party payment institution applies to the factoring service platform for the corresponding target amount of funds. The target customer is the customer whose claim amount is deducted from the advance funds by the factoring service platform, authorized by the payment institution platform. The payment institution platform can be the platform corresponding to the payment institution entrusted by the insurance institution to pay the claim funds to the customer.

[0072] If a customer authorizes the factoring service platform to deduct the advance payment from their claim amount through the payment institution platform, then the factoring service platform has the authority to request the payment institution platform to deduct the advance payment from the factoring service platform after the insurance institution has paid the claim amount to the customer through the payment institution platform, and then transfer the remaining claim amount to the customer's account.

[0073] The target customer's customer information includes relevant information that can identify the target customer, such as the target customer's name and identification number.

[0074] Considering that a target customer may have multiple accounts (such as bank card accounts or electronic payment accounts), in order to identify the accounts used by the target customer to receive claims payments and authorize the factoring service platform, the target customer's customer information may include: the target customer's user account information, such as the user account number (e.g., bank card number).

[0075] Understandably, after a factoring service platform transfers the target amount of funds corresponding to the advance payment to a third-party advance payment institution, it generates a corresponding pending payment order. This pending payment order may include information about the advance payment order, as well as information about the third-party advance payment institution and the time of fund transfer, etc. This will be explained later with an example of a possible scenario, and will not be elaborated upon here.

[0076] It should be noted that the factoring service platform can obtain the advance payment order information within the pending payment order after generating it, so as to send it to the payment institution platform later. To reduce bandwidth consumption and facilitate statistical aggregation, the factoring service platform can periodically aggregate the advance payment order information from pending payment orders that have not yet received payment, at the designated time of order acquisition, for unified transmission to the payment institution later. For example, the factoring service platform can aggregate pending payment orders daily, obtaining the advance payment order information from all pending payment orders that have not yet received payment.

[0077] In particular, the factoring service platform can handle multiple advance payment order information, but the processing procedure for each advance payment order information is the same as in this embodiment, and will not be described again.

[0078] S102, send the advance payment order information to the payment institution platform.

[0079] For example, a factoring service platform sends a payment supervision request to a payment institution platform, which includes information about the prepaid order. This payment supervision request is used to request supervision of insurance claims for the target customers indicated in the prepaid order information.

[0080] Understandably, after obtaining advance payment order information, the payment institution platform will store the advance payment order information so that after the payment institution platform obtains insurance claim funds paid by the insurance institution for a certain customer, it can compare it with the target customer information in the stored advance payment order information.

[0081] S103, received a claim payment notification from the payment institution platform.

[0082] Among them, the claims payment notification is generated by the payment institution platform after it receives the insurance claim funds paid by the insurance institution to the target customer.

[0083] This claim payment notice is used to instruct the insurance institution to pay the insurance claim funds to the target customer.

[0084] In this process, after obtaining insurance claim funds and claim user information from the insurance institution, if the payment institution platform determines that the claim user information matches the target customer's customer information, it will send a claim payment notification to the factoring service platform.

[0085] For example, when an insurance institution initiates a claim payment to a customer through a payment platform's payment service, it will specify the claimant information. This claimant information refers to the user information corresponding to the user who applied for and received the claim payment from the insurance institution. For instance, the claimant information includes the claimant's name and account information, while the target customer's information similarly includes the target customer's name and account information. If the claimant's name matches the target customer's name, and their account information matches (e.g., the claimant's name and bank card number both match the target customer's name and bank card number), then the payment platform can confirm that the insurance institution has currently paid out insurance claim funds to that target customer.

[0086] S104, in response to a claim payment notification, initiates an application for advance payment deduction to the payment institution platform.

[0087] Among them, the advance payment deduction application is used to request the deduction of the target amount corresponding to the advance payment from the insurance claim funds of the target customer, so that the payment institution platform can transfer the target amount of funds to the account bound to the factoring service platform, so that the factoring service platform can obtain the corresponding repayment of the advance payment.

[0088] Accordingly, the payment platform can transfer the target amount of the insurance claim funds to the account linked to the factoring service platform, and transfer the remaining funds after deducting the target amount from the insurance claim funds to the user account linked to the target customer.

[0089] In this application, the user account linked to the target customer is the account initiated and opened by the target customer on the payment institution's platform after the target customer applies for fund advances from a third-party advance institution through the advance service platform, and after the third-party advance institution and the target customer sign an advance agreement. Of course, if the target customer has already opened a corresponding user account on the payment institution's platform before applying for fund advances from the third-party advance institution, there is no need to open a new account.

[0090] In this application, after the payment institution platform receives insurance claim funds paid by the insurance institution for the target customer, in order to facilitate the transfer of the corresponding advance funds to the factoring service platform, in addition to the target customer's user account, the payment institution platform can also generate a virtual transfer account associated with the target customer. This virtual transfer account is invisible to the target customer.

[0091] Based on this, after receiving insurance claim funds, the payment institution platform can determine the target amount corresponding to the advance payment and transfer that target amount to the virtual transit account corresponding to the target customer, and transfer the remaining claim funds to the user account (e.g., bank card number) associated with the target customer. Correspondingly, in response to the advance payment deduction application, the payment institution platform can transfer the funds in the target customer's virtual transit account to the account bound to the factoring service platform, enabling the factoring service platform to obtain advance payment funds for the target customer and the third-party advance payment institution.

[0092] The target amount corresponding to the advance payment can be carried in the target customer's customer information, or it can be sent to the payment institution platform by the factoring service platform before initiating the advance payment deduction application; alternatively, the factoring service platform can include the target amount corresponding to the advance payment in the advance payment deduction application initiated to the payment institution platform. One possible scenario will be illustrated later, and will not be elaborated further.

[0093] In one possible implementation, after the factoring service platform confirms that the payment institution has transferred the target amount to the account linked to the factoring service platform, the factoring service platform can confirm that the advance payment order information has been processed for repayment. Based on this, the factoring service platform can also send a repayment success instruction to the advance payment service platform, indicating that the advance funds corresponding to the third-party advance payment institution and the target customer have been repaid.

[0094] Correspondingly, the advance payment service platform can forward the repayment success instruction to the terminal of the third-party advance payment institution and the terminal of the target customer, so that the third-party advance payment institution and the target customer can confirm that the advance payment has been deducted.

[0095] As can be seen from the above, in this embodiment of the application, when a third-party payment institution has advanced funds to the target customer, the third-party payment institution can apply for the advanced funds through the factoring service platform. Based on this, the factoring service platform can send the advance order information containing the target customer's information to the payment institution platform.

[0096] Since the target customer is someone authorized by the payment institution platform to have the factoring service platform deduct advance funds from their claim amount, after the payment institution platform receives the insurance claim funds paid by the insurance institution to the target customer, it can send a claim payment notification to the factoring service platform. This allows the factoring service platform to initiate an advance deduction application to the payment institution platform. Consequently, the payment institution platform can deduct the target amount corresponding to the advance funds from the target customer's insurance claim funds and transfer it to the factoring service platform. This allows the factoring service platform to receive the corresponding repayment of the advance funds, avoiding the need for third-party advance payment institutions to recover advance funds from customers. This reduces the complexity of recovering advance funds and improves the security of funds.

[0097] Understandably, the factoring service platform only generates or saves the corresponding advance payment order information after it has provided advance funds to the third-party advance payment institution. To enhance fund security, the factoring service platform typically only provides the target amount of funds to the third-party advance payment institution after confirming that the institution has indeed advanced insurance-related funds for the client, and only after the institution has applied for funds from the platform.

[0098] In order for the factoring service platform to deduct the corresponding amount of the advance payment from the target customer's insurance claim amount through the payment institution platform after providing advance payment to the third-party advance payment institution, in this application, if the target customer has not yet opened an account on the payment institution platform when applying for advance payment from the third-party advance payment institution, the third-party advance payment institution can only send the advance payment to the target customer after the target customer has completed the account opening on the payment institution platform and authorized the factoring service platform to deduct the advance payment.

[0099] To facilitate understanding, the following explanation will use one implementation scenario and the process interaction between multiple platforms as an example. For instance... Figure 2 As shown, it illustrates a flowchart of authorized advance payment deduction in the fund data processing method of this application. In this embodiment, the authorized deduction process is introduced in conjunction with the implementation process of fund advance payment.

[0100] The method in this embodiment may include:

[0101] S201, the target customer initiates a fund advance application to a third-party advance institution through the advance service platform.

[0102] Among them, the advance payment service platform can be a transit platform for fund advance payment transactions between target customers and third-party advance payment institutions. For example, the advance payment service platform can be a business service platform under an insurance institution, or it can be a service platform that can be linked to different third-party advance payment institutions, etc., without any restrictions.

[0103] Correspondingly, target customers and third-party institutions can log in to the advance payment service platform through their respective terminals via web pages or applications.

[0104] For example, target customers can log in to the advance payment service platform through a webpage or application and initiate an advance payment application through the platform. The advance payment application can indicate the information of the third-party advance payment institution requested by the target customer, such as the name or logo of the third-party advance payment institution.

[0105] Understandably, after the advance payment service platform receives the advance payment application, it sends an advance payment transaction order to the terminal of the third-party advance payment institution. This advance payment transaction order may include the target customer's customer information, such as the target customer's name and contact information.

[0106] Based on this, third-party payment institutions can contact target customers through the payment service platform using the information in the payment transaction order, or they can directly conduct offline meetings with target customers. Target customers can also provide the verification data required to apply for advance payment through the payment service platform or directly to the third-party payment institution.

[0107] For example, in the scenario of advance payment for medical insurance, the target customer needs to provide the third-party advance payment agency with hospitalization-related medical records and insurance information. After confirming that the target customer meets the conditions for applying for advance payment based on the medical records and insurance information, the third-party advance payment agency can negotiate the amount of advance payment with the target customer and sign a medical expense advance payment service contract with the target customer.

[0108] S202 After signing a fund advance agreement with a target customer, the third-party advance payment institution sends an account opening notice to the target customer through the advance payment service platform, so that the target customer can initiate an account opening application to the third-party advance payment institution.

[0109] In this case, the signing of a fund advance agreement between the third-party advance payment institution and the target customer indicates that the third-party advance payment institution confirms that the target customer meets the conditions for applying for fund advance payment, and that the third-party advance payment institution and the target customer have completed the relevant negotiations on fund advance payment.

[0110] Unlike current practices where a third-party payment institution signs a funding agreement with a target customer and then disburses the funds, this application, in order to enable the third-party payment institution to apply for the corresponding amount of funds from the factoring service platform in case of a cash shortage, and to ensure that the factoring service platform can reliably receive repayments from the disbursed funds, requires the target customer to open an account with a payment institution and authorize the factoring service platform to deduct funds directly from their account. Based on this, the third-party payment institution will send an account opening notification to the target customer through the funding service platform.

[0111] This account opening notice instructs the target customer to apply for and open an account on the payment institution's platform. It can also instruct the target customer to authorize the factoring service platform to automatically deduct funds.

[0112] It is understandable that third-party payment institutions can also notify target customers to open accounts and authorize the deduction of payment funds through other means, without restriction. Steps S201 and S202 are merely presented as an example to facilitate understanding of the scheme in this application, and are not mandatory operations before the target customer initiates an account opening application.

[0113] S203, the advance payment service platform receives an account opening application initiated by the target customer and sends an account opening request to the payment institution platform.

[0114] As mentioned above, the account opening application was initiated by the target customer through the advance payment service platform to the third-party advance payment institution, and was initiated after the third-party advance payment institution and the target customer signed the advance payment agreement.

[0115] This account opening application is used to apply to the payment institution platform to open an account.

[0116] S204, In response to an account opening request, the payment institution platform obtains the target customer's identity verification information through the advance payment service platform.

[0117] The target customer's identity verification information refers to information that can verify the target customer's identity. For example, the target customer's identity verification information may include some or all of the following: the target customer's name, ID card number, mobile phone number, facial image, and SMS verification information.

[0118] For example, when a payment institution platform responds to an account opening request, it displays an information filling page to the target customer through a prepayment service platform. The target customer can fill in information such as their name and ID number on this page, and the information filling page can also collect the user's facial image and other identity images.

[0119] In one possible implementation, after receiving an account opening application, the advance payment service platform sends an account opening request to the payment institution's platform by calling the payment institution's account opening interface. Based on this, the payment institution's platform can then return an information submission page to the advance payment service platform.

[0120] S205 After the payment institution platform verifies the legality of the target customer's identity verification information, it opens a user account for the target customer and returns the user account information corresponding to the target customer to the advance payment service platform so that the advance payment service platform can output a successful account opening reminder to the target customer.

[0121] There are various ways in which a payment institution platform can verify the legality of a target customer's identity verification information, and this application does not impose any restrictions on this.

[0122] For example, a payment platform can send the identity verification information of a target customer to the public security system, UnionPay, or social security platform to verify whether the target customer's identity verification information is true and reliable. If the target customer's identity verification information is true and reliable, then the target customer's identity verification information is confirmed to be legal.

[0123] The user account opened for the target customer is the real user account corresponding to the target customer. The target customer can operate the funds in the user account, and the funds transferred into the user account by the payment institution platform are visible to the target customer.

[0124] In one alternative approach, to facilitate the management of funds owed by the target customer to the factoring service platform, the payment institution can also open a virtual transit account for the target customer. This virtual transit account stores the target amount from the target customer's insurance claim, specifically the funds used to pay the advance payments already made to the target customer. This virtual transit account is invisible to the target customer, and the target customer cannot operate it.

[0125] Accordingly, in subsequent embodiments, the payment institution platform can deduct the target amount of funds from the insurance claim funds paid by the insurance institution to the target customer based on the target amount of the advance payment funds advanced by the third-party advance payment institution to the target customer, and store the target amount of funds in the virtual transfer account, while only transferring the remaining claim funds after deducting the target amount of funds from the insurance claim funds to the target customer's user account.

[0126] After generating a target customer's user account and virtual transit account, the payment institution platform stores the corresponding user account and virtual transit account information. Simultaneously, to enable users to initiate authorizations through the prepayment service platform, the payment institution platform can send the target customer's user account information to the prepayment service platform. Of course, it can also send information such as the target customer's virtual transit account number to the prepayment service platform.

[0127] After the advance payment service platform confirms that the target customer has successfully opened an account on the payment platform, it will send a reminder to the target customer's terminal to inform the target customer that the account opening has been completed.

[0128] It is understandable that the opening of an account on a payment institution's platform by a target customer only needs to be done once. Based on this, if the target customer already has a user account opened on the payment institution's platform when applying for advance funds from a third-party advance institution through the advance service platform, there is no need to repeat the above operations. Instead, the above account opening operations can be skipped, and the operation of initiating a deduction authorization from the factoring service platform through the advance service platform can be performed.

[0129] S206, the advance payment service platform receives a deduction authorization request initiated by the target customer and sends a deduction authorization application to the factoring service platform.

[0130] The withholding authorization request is used to request the factoring service platform to grant withholding authorization. Based on this, the advance payment service platform will send the withholding authorization request to the factoring service platform.

[0131] Understandably, in order for the factoring service platform to confirm the information of the target customer applying for authorization to deduct, the deduction authorization application carries the customer information of the target customer.

[0132] The customer information of the target customer may include one or more of the target customer's name and ID card information.

[0133] Understandably, considering that a target customer may have multiple accounts on a payment institution platform, in order to determine the user account used by the insurance institution to pay insurance claims to the target customer, or to more quickly determine the user account to be authorized and its associated virtual transfer account, the customer information carried in the deduction authorization application sent by the advance payment service platform to the factoring service platform may at least include information about the user account opened by the target customer on the payment institution platform. Of course, the deduction authorization application may also include information about the virtual transfer account corresponding to the target customer.

[0134] S207, In response to the deduction authorization application, the factoring service platform sends an authorization process call instruction to the payment institution platform.

[0135] It is understandable that the deduction authorization application is generated by the advance payment service platform after receiving the deduction authorization request initiated by the target customer and confirming that the target customer has completed the account opening operation on the payment institution platform. Therefore, after the agent service platform receives the deduction authorization application, it can confirm that the target customer has completed the account opening and other operations required for authorization.

[0136] The authorization process call instruction carries the target customer's customer information, so as to complete the operation of the target customer authorizing the factoring service platform to deduct and advance funds through the payment institution platform.

[0137] The customer information of the target customer carried in the authorization process call instruction can be the same as that in the previous step S206. For example, the customer information of the target customer may include part or all of the target customer's name, ID number, user account, and virtual transit account information.

[0138] In one possible implementation, the factoring service platform can trigger the sending of an authorization process call instruction to the payment institution platform by calling the authorization process interface of the payment institution platform, and trigger the payment institution to start the deduction authorization process.

[0139] In this process, the payment institution platform uses the customer information of the target customer carried in the authorization process call instruction to confirm with the target customer whether they authorize the factoring service platform to deduct the advance payment from the insurance claim funds. If the target customer confirms the authorization, the authorization is considered successful.

[0140] For example, a payment platform can send an authorization confirmation SMS to a target customer. The authorization confirmation SMS can remind the user whether to authorize the factoring service platform to deduct funds on their behalf. After the target customer returns the authorization confirmation instruction via SMS, it is confirmed that the target customer agrees to authorize the factoring service platform to deduct the funds on their behalf.

[0141] S208, the factoring service platform receives the authorization success instruction returned by the payment institution platform, identifies the target customer as the customer authorized to deduct and advance funds, and stores the target customer's customer information.

[0142] The authorization success instruction is used to indicate that the payment institution platform confirms that the target customer has authorized the factoring service platform to deduct and pay funds on their behalf.

[0143] S209, the factoring service platform returns a successful authorization result to the advance payment service platform.

[0144] A successful authorization result indicates that the target customer has authorized the factoring service platform to deduct and advance funds on their behalf.

[0145] S210, in response to the successful authorization result, the advance payment service platform sends an advance payment notification to the terminal of the third-party advance payment institution.

[0146] This advance payment notice is used to indicate that the target customer is eligible to receive advance funds.

[0147] Understandably, when the target customer applies for advance payment funds from a third-party advance payment institution, the target customer needs to open an account on the payment institution's platform and authorize the factoring service institution to deduct the advance payment funds applied for from the insurance claim funds. Only on this basis will the third-party advance payment institution release the advance payment funds to the target customer. Therefore, if the third-party advance payment institution applies for the target amount of funds corresponding to the advance payment funds from the factoring service platform due to insufficient funds or other reasons, after the insurance institution pays the target customer's insurance claim funds through the payment institution's platform, the factoring service platform can still apply through the payment institution's platform to first deduct the advance payment funds already advanced for the target customer from the insurance claim funds, thereby reducing the risk of unrecoverable advance payment funds.

[0148] It is understandable that, in the above Figure 2 Based on the example, if a third-party advance payment institution experiences insufficient funds or wishes to reliably recover its advance payment, it can apply to the factoring service platform for funds corresponding to the advance payment already made to the target customer. The following describes the process for a third-party advance payment institution to apply for funds from the factoring service platform.

[0149] like Figure 3 As shown, this embodiment illustrates the interactive process of a third-party advance payment institution applying for funds from a factoring service platform. This embodiment may include:

[0150] S301, a third-party advance payment institution submits an advance payment application to a factoring service platform through an advance payment service platform.

[0151] The application for advance payment includes: the target amount of advance payment made by the third-party advance payment institution for the target customer, and the customer information of the target customer.

[0152] The target customer's customer information may include the aforementioned user attribute information, such as the target customer's name and ID number; the target customer's customer information may also include the target customer's user account information, etc., without restriction.

[0153] Understandably, to facilitate the factoring service platform's verification that the third-party payment institution has indeed advanced the target amount to the target customer, the application for advance payment can also include supporting documentation of the advance payment, such as bank statements and valid proof of the target customer's insurance policy. Of course, the application can also include the advance payment agreement signed between the third-party payment institution and the target customer, without restriction.

[0154] S302, if the factoring service platform confirms based on the target customer's customer information that the target customer is a customer authorized to withhold and pay funds, the platform will transfer the target amount of funds to the account of the third-party payment institution.

[0155] For example, by combining one or more of the target customer's name, ID number, and user account, it can be checked whether the target customer's customer information matches the customer information of an authorized customer. If an authorized customer is matched, it is confirmed that the target customer is an authorized customer for direct debit and advance payment.

[0156] The accounts of third-party payment institutions can be provided to the factoring service platform in advance by the third-party payment institution through the payment service platform, or they can be stored in the factoring service platform after an agreement is signed offline in advance, without any restrictions.

[0157] In one alternative approach, the factoring service platform may transfer the target amount to the third-party payment institution's account only after confirming that the target customer is an authorized customer for direct debit and that the third-party payment institution has already advanced funds to the target customer.

[0158] Of course, if the factoring service platform confirms that the target customer is not a customer authorized to withhold and pay funds, or if the information provided by the third-party payment institution cannot demonstrate that the third-party payment institution has paid funds to the target customer, then step S302 can be skipped, and the process ends.

[0159] S303, the factoring service platform generates a pending payment order corresponding to the third-party advance payment institution and the target customer.

[0160] The pending payment order may contain information about the third-party payment institution and the target customer, as well as information such as the target amount of funds provided to the third-party payment institution.

[0161] Understandably, since the pending payment order contains information about the target customer and the funds advanced, it actually contains the advance payment order information that the agent service platform needs to send to the payment institution platform later. This includes information such as the target customer's information in the advance payment order, the time when the third-party advance payment institution advanced the funds to the target customer, and related vouchers, etc., without any restrictions.

[0162] Understandably, since the third-party advance payment institution applies to the factoring service platform for funds corresponding to the target amount of the advance payment, the advance payment funds made by the third-party advance payment institution to the target customer are actually provided and borne by the factoring service platform. Based on this, the factoring service platform needs to deduct the target amount of funds from the insurance claim funds after the insurance institution provides insurance claim funds to the target customer.

[0163] The following example illustrates the data processing procedure for this application by showing how a factoring service platform can apply to a payment institution platform to deduct funds from the target customer's insurance claim funds.

[0164] like Figure 4 It illustrates a flowchart of a financial data processing procedure according to this application. The flowchart of this embodiment may include:

[0165] S401, the factoring service platform sends advance payment order information to the payment institution platform.

[0166] The order information for advance payment includes: customer information of the target customer whose advance payment was made by a third-party advance payment institution. For example, the target customer's customer information may include: the target customer's name, ID number, bank card number (or other user account), etc.

[0167] As mentioned above, the factoring service platform can either summarize the advance payment order information that needs to be sent to the payment institution platform daily, and generate corresponding files for each advance payment order information and send them to the payment institution platform; or it can send the advance payment order information each time it receives an order to be repaid, without any restrictions.

[0168] S402, the payment platform obtains insurance claim funds and claim user information from the insurance institution.

[0169] Among them, the claims user information refers to the information of the claims user to whom the insurance institution pays insurance claims funds. For example, the claims user information may include one or more of the following: the name, identity account, and user account information opened on the payment institution's platform of the insured or beneficiary user. There are no restrictions on this.

[0170] S403 If the payment platform determines that the claimant information matches the target customer information in the advance payment order information sent by the factoring service platform, it shall send a claim payment notification to the factoring service platform.

[0171] For example, if the name and account number of the claimant (such as the insured or beneficiary) in the claimant information match the name and account number of the target customer provided by the factoring service platform—for instance, if the claimant's name and bank card number match the target customer's name and bank card number—it indicates that the insurance claim funds are payment from the insurance institution to the target user. This claim payment notification instructs the insurance institution to pay the insurance claim funds to the target customer.

[0172] Of course, if the payment platform determines that the claimant information does not match the target customer information in the advance payment order information sent by the factoring service platform, all insurance claim funds will be transferred to the user account of the claimant corresponding to the claimant information.

[0173] S404, in response to the claim payment notification, the factoring service platform returns the advance payment amount information to the payment institution platform.

[0174] The advance payment information indicates the target amount of funds to be advanced to the target customer.

[0175] It is understood that this application is based on the example that the advance payment order information does not include the target amount of the advance payment funds to the target customer. In actual application, the advance payment order information may also include the target amount of the advance payment funds. In this case, the operation of sending the claim payment notification by the payment institution platform in step S403 and the operation of step S404 can be skipped.

[0176] S405, the payment institution platform, based on the target amount of the advance payment, transfers the target amount of funds to the virtual transfer account corresponding to the target customer, and transfers the remaining claim funds to the user account associated with the target customer.

[0177] The remaining claim funds are the funds remaining after deducting the target amount from the insurance claim funds.

[0178] For example, if the total amount of insurance claim funds is 1,000 yuan and the target amount of advance payment is 400 yuan, then 400 yuan will be transferred to the target customer's virtual transfer account, and the remaining 600 yuan will be transferred to the target customer's bank card or other user account.

[0179] S406, a notification sent by the payment institution platform to the factoring service platform indicating successful fund caching.

[0180] The successful fund caching notification indicates that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account. Essentially, this notification is a notification that the funds have been successfully deposited into the target customer's virtual transfer account.

[0181] S407, in response to the successful fund caching notification, the factoring service platform initiates an application for advance payment deduction to the payment institution platform.

[0182] This advance payment deduction application is used to request the transfer of the target amount of funds in the cache to the factoring service platform.

[0183] S408, In response to the advance payment deduction application, the payment institution platform transfers the funds in the target customer's virtual transit account to the factoring service platform's account.

[0184] S409 After confirming that the payment institution platform has transferred the target amount of funds to the account bound to the factoring service platform, the factoring service platform confirms that the advance payment order information has been processed and sends a repayment success instruction to the advance payment service platform.

[0185] The repayment success indication is used to indicate that the advance payment funds corresponding to the third-party payment institution and the target customer have been repaid.

[0186] S410, the advance payment service platform has completed the repayment of advance funds through target customers and third-party advance payment institutions.

[0187] Depend on Figure 4 The process shows that after the insurance institution pays the insurance claim amount to the target customer through the payment institution platform, the payment institution platform notifies the factoring service platform. The factoring service platform then provides the payment institution platform with the target amount to be deducted. Based on this, the payment institution transfers the target amount to the target customer's virtual transfer account, while only the remaining funds after deducting the target amount from the insurance claim amount are transferred to the target customer's user account. Following this, the factoring service platform sends a deduction application to the payment institution platform. The payment institution platform then transfers the target amount provided by the factoring service platform for the target customer and the third-party payment institution from the target customer's virtual transfer account to the factoring service platform's account. This allows the factoring service platform to reliably recover the funds it has advanced, without violating the insurance institution's requirement to directly provide insurance claim funds to the user.

[0188] Corresponding to the operation on the factoring service platform side in the fund data processing method of this application, this application also provides a fund data processing device.

[0189] like Figure 5The diagram illustrates the structural composition of an embodiment of a financial data processing device according to this application. This device is applied to a factoring service platform, and the device in this embodiment may include:

[0190] Order acquisition unit 501 is used to acquire advance payment order information, wherein the advance payment order information indicates: customer information of the target customer for whom the advance payment was made by a third-party advance payment institution, wherein the advance payment made by the third-party advance payment institution to the target customer is the advance payment obtained by the third-party advance payment institution from the factoring service platform, and the target customer is the customer authorized by the payment institution platform to have the advance payment deducted from the claim amount of the target customer;

[0191] Order sending unit 502 is used to send the advance payment order information to the payment institution platform;

[0192] The notification receiving unit 503 is used to receive the claims payment notification sent by the payment institution platform. The claims payment notification is generated by the payment institution platform after it receives the insurance claim funds paid by the insurance institution to the target customer.

[0193] The deduction application unit 504 is used to respond to the claim payment notification and initiate a deduction application to the payment institution platform. The deduction application requests the deduction of the target amount corresponding to the advance payment from the insurance claim funds of the target customer, so that the payment institution platform can transfer the target amount to the account bound to the factoring service platform, and the factoring service platform can obtain the repayment corresponding to the advance payment.

[0194] In one possible implementation, the order obtaining unit in the device includes:

[0195] The fund application obtaining unit is used to obtain a fund application initiated by a third-party advance payment institution through the advance payment service platform. The fund application carries: the target amount of advance payment funds to be advanced by the third-party advance payment institution for the target customer, and the customer information of the target customer;

[0196] A funding support unit is used to transfer the target amount of funds to the account of the third-party payment institution if it is confirmed based on the target customer's customer information that the target customer is a customer authorized to withhold and pay funds on behalf of the third-party payment institution.

[0197] The order generation unit is used to generate pending payment orders corresponding to the third-party payment institution and the target customer, and the pending payment orders include payment order information.

[0198] In yet another possible implementation, the device further includes:

[0199] The authorization application obtaining unit is used to obtain the deduction authorization application sent by the advance payment service platform before the order obtaining unit obtains the advance payment order information. The deduction authorization application is generated by the advance payment service platform after obtaining the deduction authorization request initiated by the target customer and confirming that the target customer has completed the account opening operation on the payment institution platform. The deduction authorization application carries the customer information of the target customer, who is a user who applies for fund advance payment from a third-party advance payment institution through the advance payment service platform.

[0200] The authorization call unit is used to respond to the deduction authorization application and send an authorization process call instruction to the payment institution platform. The authorization process call instruction carries the customer information of the target customer, so as to complete the operation of the target customer authorizing the deduction and advance payment of funds to the factoring service platform through the payment institution platform.

[0201] The authorization confirmation unit is used to obtain the authorization success indication returned by the payment institution platform, identify the target customer as the customer authorized to deduct and pay funds on behalf of the customer, and store the customer information of the target customer. The authorization success indication is used to indicate that the payment institution platform confirms that the target customer has authorized the factoring service platform to deduct and pay funds on behalf of the customer.

[0202] Another possible implementation includes:

[0203] The amount sending unit is used to respond to the claim payment notification by returning advance payment amount information to the payment institution platform. The advance payment amount information indicates the target amount of the advance payment funds. Based on the target amount of the advance payment funds, the payment institution platform transfers the target amount of funds to the virtual transfer account corresponding to the target customer and transfers the remaining claim payment funds to the user account associated with the target customer. The remaining claim payment funds are the funds remaining after deducting the target amount from the insurance claim payment funds.

[0204] The cache success acquisition unit is used to acquire a fund cache success notification sent by the payment institution platform, which indicates that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account;

[0205] The deduction application unit is specifically used to initiate a deduction application to the payment institution platform in response to a successful fund caching notification, so that the payment institution platform can transfer funds from the target customer's virtual transit account to the factoring service platform's account.

[0206] In yet another possible implementation, the device further includes:

[0207] The repayment success notification unit is used to confirm that the advance payment order information has completed the repayment process after confirming that the payment institution platform has transferred the target amount to the account bound to the factoring service platform, and to send a repayment success instruction to the advance payment service platform. The repayment success instruction is used to indicate that the advance payment funds corresponding to the third-party advance payment institution and the target customer have been repaid.

[0208] It should be noted that the various embodiments in this specification are described in a progressive manner, with each embodiment focusing on its differences from other embodiments. Similar or identical parts between embodiments can be referred to interchangeably. Furthermore, the features described in the various embodiments of this specification can be substituted or combined with each other, enabling those skilled in the art to implement or use this application. For apparatus embodiments, since they are basically similar to method embodiments, the description is relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0209] Finally, it should be noted that in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes the element.

[0210] The above description of the disclosed embodiments enables those skilled in the art to make or use this application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of this application. Therefore, this application is not to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

[0211] The above are merely preferred embodiments of this application. It should be noted that those skilled in the art can make various improvements and modifications without departing from the principles of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for processing financial data, characterized in that, Applications to factoring service platforms include: The system receives a deduction authorization request sent by the advance payment service platform. The deduction authorization request is generated by the advance payment service platform after receiving a deduction authorization request initiated by the target customer and confirming that the target customer has completed the account opening operation on the payment institution platform. The deduction authorization request carries the customer information of the target customer, who is a user who applies for fund advance payment from a third-party advance payment institution through the advance payment service platform. In response to the direct debit authorization application, an authorization process call instruction is sent to the payment institution platform. The authorization process call instruction carries the customer information of the target customer, so as to complete the operation of the target customer authorizing the direct debit of funds to the factoring service platform through the payment institution platform. Upon receiving the authorization success indication returned by the payment institution platform, the target customer is identified as the customer authorized to deduct and advance funds, and the customer information of the target customer is stored. The authorization success indication is used to indicate that the payment institution platform confirms that the target customer has authorized the factoring service platform to deduct and advance funds. The system returns an authorization success result to the factoring service platform, so that the factoring service platform responds to the authorization success result by sending an advance payment notification to the terminal of the third-party factoring institution. The authorization success result indicates that the target customer has authorized the factoring service platform to deduct the advance payment funds on their behalf, and the advance payment notification is used to indicate that the target customer has the conditions to obtain the advance payment funds. Obtain advance payment order information, which indicates: customer information of target customers for whom advance payment funds have been advanced by a third-party advance payment institution, wherein the advance payment funds advanced by the third-party advance payment institution to the target customer are advance payment funds obtained by the third-party advance payment institution from the factoring service platform, and the payment institution platform is the platform corresponding to the payment institution entrusted by the insurance institution to pay compensation funds to the customer; According to the set cycle, the information of the advance payment orders in the pending payment orders for which the advance payment funds have not yet been recovered is summarized and sent to the payment institution platform in a unified manner. The payment institution receives a claim settlement notification from the payment institution platform, which is generated by the payment institution platform after receiving insurance claim funds paid by the insurance institution to the target customer. The payment institution platform returns advance payment amount information, which indicates the target amount of the advance payment funds. Based on the target amount of the advance payment funds, the payment institution platform transfers the target amount of funds to the virtual transfer account corresponding to the target customer, and transfers the remaining claim funds to the user account associated with the target customer. The virtual transfer account is opened by the payment institution platform for the target customer and is not visible to the target customer. The remaining claim funds are the funds remaining after deducting the target amount from the insurance claim funds. The payment institution receives a successful fund caching notification from the payment institution platform, indicating that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account. In response to the claims payment notification and the successful fund caching notification, an advance payment deduction application is initiated to the payment institution platform. The advance payment deduction application is used to request the deduction of the target amount corresponding to the advance payment from the insurance claims funds of the target customer, so that the payment institution platform can transfer the funds in the target customer's virtual transfer account to the factoring service platform's account, and the factoring service platform can obtain the repayment corresponding to the advance payment.

2. The method according to claim 1, characterized in that, The information obtained regarding the prepaid order includes: The applicant receives a payment request from a third-party payment institution through a payment service platform. The payment request includes: the target amount of the payment to be made by the third-party payment institution for the target customer, and the customer information of the target customer. If, based on the customer information of the target customer, it is confirmed that the target customer is a customer authorized to have funds deducted and advanced, the target amount of funds is transferred to the account of the third-party advance payment institution; Generate a pending payment order corresponding to the third-party payment institution and the target customer, the pending payment order including payment order information.

3. The method according to claim 1, characterized in that, Also includes: After confirming that the payment institution platform has transferred the target amount to the account bound to the factoring service platform, the payment order information is confirmed to have completed the repayment process, and a repayment success indication is sent to the payment service platform. The repayment success indication is used to indicate that the advance funds corresponding to the third-party payment institution and the target customer have been repaid.

4. A resource data processing method, characterized in that, include: The advance payment service platform receives a deduction authorization request initiated by the target customer and sends a deduction authorization application to the factoring service platform. The deduction authorization application is generated by the advance payment service platform after receiving the deduction authorization request initiated by the target customer and confirming that the target customer has completed the account opening operation on the payment institution platform. The deduction authorization application carries the customer information of the target customer, who is a user who applies for fund advance payment from a third-party advance payment institution through the advance payment service platform. In response to the direct debit authorization application, the factoring service platform sends an authorization process call instruction to the payment institution platform. The authorization process call instruction carries the customer information of the target customer, so as to complete the operation of the target customer authorizing the direct debit of funds to the factoring service platform through the payment institution platform. Upon receiving an authorization success indication from the payment institution platform, the factoring service platform identifies the target customer as the authorized customer for direct debit of funds, stores the target customer's customer information, and the authorization success indication indicates that the payment institution platform confirms that the target customer has authorized the factoring service platform to directly debit funds. The factoring service platform returns an authorization success result to the advance payment service platform, which indicates that the target customer has authorized the factoring service platform to deduct the advance payment funds on their behalf. In response to the successful authorization result, the advance payment service platform sends an advance payment notification to the terminal of the third-party advance payment institution. The advance payment notification is used to indicate that the target customer has the conditions to obtain advance payment funds. The factoring service platform obtains advance payment order information, which indicates: customer information of the target customer for whom the advance payment was made by a third-party advance payment institution, wherein the advance payment made by the third-party advance payment institution to the target customer is the advance payment obtained by the third-party advance payment institution from the factoring service platform, and the payment institution platform is the platform corresponding to the payment institution entrusted by the insurance institution to pay compensation funds to the customer; The factoring service platform, according to a set period, summarizes the information of the advance payment orders among the pending payment orders for which the advance payment funds have not yet been recovered, and sends it uniformly to the payment institution platform; The payment platform obtains insurance claim funds and claim user information from the insurance institution. If the payment institution platform determines that the claim user information matches the target customer's customer information, it sends a claim payment notification to the factoring service platform. The claim payment notification is used to instruct the insurance institution to pay the insurance claim funds to the target customer. The factoring service platform returns advance payment information to the payment institution platform, and the advance payment information indicates the target amount of the advance payment funds; Based on the target amount of the advance payment, the payment institution platform transfers the target amount of funds to the virtual transfer account corresponding to the target customer, and transfers the remaining claim funds to the user account associated with the target customer. The virtual transfer account is opened by the payment institution platform for the target customer and is not visible to the target customer. The remaining claim funds are the funds remaining after deducting the target amount from the insurance claim funds. The payment institution platform sends a fund caching success notification to the factoring service platform, indicating that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account; In response to the claims payment notification and the successful fund caching notification, an advance payment deduction application is initiated to the payment institution platform. The advance payment deduction application is used to request the deduction of the target amount corresponding to the advance payment from the insurance claims funds of the target customer. In response to the advance payment deduction application, the payment institution platform transfers the funds in the target customer's virtual transfer account to the factoring service platform's account, and transfers the remaining funds after deducting the target amount from the insurance claim funds to the user account linked to the target customer.

5. The method according to claim 4, characterized in that, Before the factoring service platform obtains the advance payment order information, it also includes: The advance payment service platform receives an account opening application initiated by a target customer and sends an account opening request to the payment institution platform. The account opening application is initiated by the target customer after the advance payment service platform initiates a fund advance application to a third-party advance payment institution, and after the third-party advance payment institution and the target customer sign a fund advance agreement. In response to the account opening request, the payment institution platform obtains the target customer's identity verification information through the advance payment service platform. After the payment institution platform verifies the legitimacy of the identity verification information, it opens a user account for the target customer and returns the user account information corresponding to the target customer to the advance payment service platform, so that the advance payment service platform can output an account opening success reminder to the target customer.

6. A financial data processing device, characterized in that, Applications to factoring service platforms include: The authorization application obtaining unit is used to obtain the deduction authorization application sent by the advance payment service platform. The deduction authorization application is generated by the advance payment service platform after receiving the deduction authorization request initiated by the target customer and confirming that the target customer has completed the account opening operation on the payment institution platform. The deduction authorization application carries the customer information of the target customer, who is a user who applies for fund advance payment from a third-party advance payment institution through the advance payment service platform. The authorization call unit is used to respond to the deduction authorization application and send an authorization process call instruction to the payment institution platform. The authorization process call instruction carries the customer information of the target customer, so as to complete the operation of the target customer authorizing the deduction and advance payment of funds to the factoring service platform through the payment institution platform. The authorization confirmation unit is used to obtain the authorization success indication returned by the payment institution platform, identify the target customer as the customer authorized to deduct and pay funds, store the customer information of the target customer, and the authorization success indication is used to indicate that the payment institution platform confirms that the target customer has authorized the factoring service platform to deduct and pay funds. The device is further configured to: return an authorization success result to the advance payment service platform, so that the advance payment service platform, in response to the authorization success result, sends an advance payment notification to the terminal of the third-party advance payment institution, wherein the authorization success result indicates that the target customer has authorized the factoring service platform to deduct the advance payment funds on its behalf, and the advance payment notification is used to indicate that the target customer has the conditions to obtain the advance payment funds; The order acquisition unit is used to acquire advance payment order information, which indicates: customer information of the target customer for whom the advance payment was made by a third-party advance payment institution, wherein the advance payment made by the third-party advance payment institution to the target customer is the advance payment obtained by the third-party advance payment institution from the factoring service platform, and the payment institution platform is the platform corresponding to the payment institution entrusted by the insurance institution to pay compensation funds to the customer; The order sending unit is used to summarize the advance payment order information among the pending payment orders that have not yet received the advance payment funds according to a set period, and send it to the payment institution platform in a unified manner; The notification receiving unit is used to receive the claims payment notification sent by the payment institution platform. The claims payment notification is generated by the payment institution platform after it receives the insurance claim funds paid by the insurance institution to the target customer. The amount sending unit is used to return advance payment amount information to the payment institution platform. The advance payment amount information indicates the target amount of the advance payment funds. Based on the target amount of the advance payment funds, the payment institution platform transfers the target amount of funds to the virtual transfer account corresponding to the target customer and transfers the remaining claim funds to the user account associated with the target customer. The virtual transfer account is opened by the payment institution platform for the target customer and is not visible to the target customer. The remaining claim funds are the funds remaining after deducting the target amount from the insurance claim funds. The cache success acquisition unit is used to acquire a fund cache success notification sent by the payment institution platform, which indicates that the payment institution platform has transferred the target amount of funds to the target customer's virtual transfer account; The deduction application unit is used to initiate a deduction application to the payment institution platform in response to the claims payment notification and the successful fund caching notification. The deduction application requests the deduction of the target amount corresponding to the advance payment from the insurance claims funds of the target customer, so that the payment institution platform can transfer the funds in the target customer's virtual transfer account to the factoring service platform's account, and the factoring service platform can obtain the repayment corresponding to the advance payment.

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