A solution and system for allocating account supervision plans

Abstract

The present invention provides a solution and system for account supervision plan allocation, which relates to the field of intelligent monitoring technology, wherein the method applies an account supervision plan allocation system, and the method comprises: obtaining a first verification instruction, wherein the first verification instruction comprises a first identity verification instruction and a first allocation plan verification instruction; performing identity verification on a first fund allocation account based on the first identity verification instruction, and obtaining a first verification result; when the first verification result shows passing, performing verification on the first fund allocation account based on the first allocation plan verification instruction, and obtaining a second verification result; when the second verification result shows passing, obtaining a first fund transfer instruction; and performing fund transfer to the first fund transfer account through the first fund transfer instruction. The technical problem that the security of the online fund transfer process is difficult to ensure in the prior art is solved.

Description

Technical Field

[0001] The present invention relates to the field of intelligent monitoring technology, and in particular to a solution method and system for allocating funds under an account supervision plan. Background Art

[0002] The method of allocating funds refers to the method of allocating budget funds to the competent departments at the same level through the regulatory agency, and then transferring them to the subordinate units step by step. For example, in an educational institution, the class fees paid by the college will be allocated to the free fund account of the training institution in batches according to certain rules.

[0003] There are currently two main methods of fund transfer. One is that the fund regulatory agency relies on manual transfer of funds based on the transfer time nodes; the other is that the fund regulatory agency uses automated programs to automatically transfer funds based on time nodes, with manual assistance in adjustments.

[0004] In the prior art, since the funds transfer process lacks verification of the transfer account identity information and the transfer details, there is a technical problem that the security of the online funds transfer process is difficult to ensure. Summary of the invention

[0005] This application provides an account supervision plan transfer solution and system to solve the technical problem in the prior art that the security of the online fund transfer process is difficult to ensure due to the lack of verification of the transfer account identity information and the transfer details in the fund transfer process. The identity information of the fund transfer account is verified by decryption; the amount and time of the specific account are then verified, and the fund transfer is started only after they pass. Compared with the traditional online fund transfer solution, it improves the interactive security and ensures the safe execution of automatic fund transfer. The verification of the transfer plan ensures the accuracy of the fund transfer, achieving the technical effect of improving the security and accuracy of fund transfer.

[0006] In view of the above problems, the present application provides a solution and system for allocating funds to an account supervision plan.

[0007] In a first aspect, the present application provides an account supervision plan allocation solution method, wherein the method applies an account supervision plan allocation system, and the method includes: obtaining a first verification instruction, wherein the first verification instruction includes a first identity verification instruction and a first allocation plan verification instruction; performing identity verification on a first funds transfer account based on the first identity verification instruction to obtain a first verification result; when the first verification result shows a pass, performing verification on the first funds transfer account based on the first transfer plan verification instruction to obtain a second verification result; when the second verification result shows a pass, obtaining a first funds transfer instruction; and transferring funds to the first funds transfer account through the first funds transfer instruction.

[0008] In a second aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the method described in any one of the items in the first aspect is implemented.

[0009] In a third aspect, the present application provides an electronic device, comprising a processor and a memory; the memory is used for storing; the processor is used for executing any one of the methods described in any one of the first aspects by calling.

[0010] In a fourth aspect, the present application provides a computer program product, comprising a computer program and / or instructions, which, when executed by a processor, implement the steps of any one of the methods described in any one of the first aspect.

[0011] One or more technical solutions provided in this application have at least the following technical effects or advantages:

[0012] The identity information of the fund transfer account is verified through decryption; then the amount and time of the specific account are verified. The fund transfer will not start until all the information passes. Compared with the traditional online fund transfer solution, it improves the interaction security and ensures the safe execution of automatic fund transfer, achieving the technical effect of improving the security of fund transfer.

[0013] The above description is only an overview of the technical solution of the present application. In order to more clearly understand the technical means of the present application, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present application more obvious and easy to understand, the specific implementation methods of the present application are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] Figure 1 A flowchart of the solution process for allocating funds from an account supervision plan is provided for this application;

[0015] Figure 2A schematic diagram of the identity verification process in a solution for allocating funds in an account supervision plan is provided for this application;

[0016] Figure 3 A schematic diagram of the verification process of the transfer plan in the solution method of the transfer of the account supervision plan is provided for this application;

[0017] Figure 4 A schematic diagram of the structure of an account supervision plan allocation system is provided for this application;

[0018] Figure 5 This is a schematic diagram of the structure of an exemplary electronic device of the present application.

[0019] Explanation of the reference numerals: first obtaining unit 11 , first verifying unit 12 , second verifying unit 13 , second obtaining unit 14 , first executing unit 15 , electronic device 300 , memory 301 , processor 302 , communication interface 303 , bus architecture 304 . DETAILED DESCRIPTION

[0020] This application provides an account supervision plan transfer solution and system to solve the technical problem in the prior art that the security of the online fund transfer process is difficult to ensure due to the lack of verification of the transfer account identity information and the transfer details in the fund transfer process. The identity information of the fund transfer account is verified by decryption; the amount and time of the specific account are then verified, and the fund transfer is started only after they pass. Compared with the traditional online fund transfer solution, it improves the interactive security and ensures the safe execution of automatic fund transfer, achieving the technical effect of improving the security of fund transfer.

[0021] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0022] The method of allocating funds refers to the method of allocating budget funds to the competent departments at the same level through regulatory agencies, and then transferring them step by step to the subordinate funding units. For example, in an educational institution, the class fees paid by the college will be allocated to the free funds account of the training institution in batches according to certain rules. There are currently two main methods of fund allocation. One is that the fund regulatory agency relies on manual allocation of funds based on the allocation time node; the other is that the fund regulatory agency uses an automated program to automatically allocate funds based on the time node, with manual assistance adjustments. However, in the prior art, due to the lack of verification of the identity information of the allocation account and the verification process of the allocation details in the fund transfer process, there is a technical problem that the security of the online fund transfer process is difficult to ensure.

[0023] In response to the above technical problems, the overall idea of ​​the technical solution provided by this application is as follows:

[0024] The present application provides an account supervision plan allocation solution method, wherein the method applies an account supervision plan allocation system, and the method includes: obtaining a first verification instruction, wherein the first verification instruction includes a first identity verification instruction and a first allocation plan verification instruction; performing identity verification on a first fund transfer account based on the first identity verification instruction to obtain a first verification result; when the first verification result shows a pass, performing verification on the first fund transfer account based on the first allocation plan verification instruction to obtain a second verification result; when the second verification result shows a pass, obtaining a first fund transfer instruction; and transferring funds to the first fund transfer account through the first fund transfer instruction.

[0025] After introducing the basic principles of the present application, various non-limiting implementation methods of the present application will be specifically described below in conjunction with the drawings in the specification.

[0026] Embodiment 1

[0027] like Figure 1 As shown, the present application provides a solution for allocating an account supervision plan, wherein the method applies an account supervision plan allocation system, and the method includes:

[0028] S100: Obtain a first verification instruction, wherein the first verification instruction includes a first identity verification instruction and a first transfer plan verification instruction;

[0029] Specifically, fund supervision plan allocation refers to the process of storing the funds paid by corporate customers in fund supervision agencies, generally major financial institutions with public credibility, in order to ensure the stable execution of corporate work. The fund supervision agencies will allocate the supervision funds to the enterprises in installments. When the fund transfer time node marked in the fund supervision plan allocation system is met, the identity and transfer plan of the corporate account that needs to transfer funds are verified, and the funds are transferred only after the verification passes, thus ensuring the security of fund transfer.

[0030] The first verification instruction refers to an instruction for starting the verification procedure generated when the fund transfer time node identified in the fund supervision plan transfer system is met. Further, the first verification instruction includes a first identity verification instruction for controlling the identity verification module to perform identity verification on the corporate account that needs fund transfer; and also includes a first transfer plan verification instruction for controlling the transfer plan verification module to perform transfer plan verification on the corporate account that needs fund transfer.

[0031] Furthermore, the identity information of an enterprise refers to the identity information that represents the uniqueness of the enterprise, for example: the business license coding information of an educational institution, the number on the organization code certificate; the verification of the transfer plan generally verifies the transfer amount, transfer time, whether the transfer account matches and other transfer details.

[0032] S200: Performing identity verification on the first fund transfer account based on the first identity verification instruction to obtain a first verification result;

[0033] Specifically, when the identity verification module in the fund supervision plan allocation system receives the first identity verification instruction, it starts the identity verification program to perform identity verification on the corporate account that needs fund transfer, determines the authenticity of the identity provider of the corporate account that needs fund transfer, and prevents malicious third parties from using the identity information of the corporate account for fund transfer to commit fraud.

[0034] The first fund transfer account refers to the corporate account that needs fund transfer. The identity provider's identity verification preferably uses encryption to encrypt the identity information before transmitting it to the fund regulatory agency. The unique corresponding decryption key is stored in the intranet of the fund regulatory agency. The first verification result refers to the output result after the identity authentication of the first fund transfer account is completed. When the decryption fails, the identity authentication fails. The first verification result indicates that the verification failed, and the fund transfer cannot be performed. When the decryption is successful, the identity authentication is passed, and the next verification process can be performed, which ensures the security of the fund transfer process.

[0035] S300: When the first verification result indicates passing, verifying the first fund transfer account based on the first transfer plan verification instruction to obtain a second verification result;

[0036] Specifically, after the identity information of the first funds transfer account is verified, the funds transfer plan needs to be verified. For example, the corporate organization corresponding to the first funds transfer account may be a group company consisting of a head office and many subsidiaries. In this case, the object of funds transfer needs to be verified to avoid transfer to the wrong subsidiary account; after the account is determined, the amount and time of the transfer also need to be verified.

[0037] The second verification result refers to the result obtained after the transfer plan verification module in the fund supervision plan transfer system that receives the first transfer plan verification instruction starts the transfer plan verification program to verify the transfer plan when the first verification result is passed: if it is accurate, it will be displayed as passed; if an error occurs, the error information will be returned to the staff for adjustment until it is accurate and the verification is displayed as passed. By verifying the fund transfer details of the transfer plan, the accuracy of each automatic fund transfer is guaranteed to avoid the occurrence of wrong accounts, over-accounts, and under-accounts.

[0038] S400: When the second verification result indicates passing, obtaining a first fund transfer instruction;

[0039] S500: Transferring funds to the first funds transfer account through the first funds transfer instruction.

[0040] Specifically, the first fund transfer instruction means that when the second verification result shows passed, it indicates that the account identity information of the fund transfer is accurate and the fund transfer details are accurate, that is, the instruction generated for the fund transfer module in the control fund supervision plan transfer system to transfer funds to the first fund transfer account; after the fund transfer module receives the first fund transfer instruction, it checks whether the account balances corresponding to the fund supervision agency and the first fund transfer account meet the fund transfer quota. If they meet, the transfer can be made. If not, a prompt message of insufficient quota is generated and sent to the first fund transfer account. Through double verification, the interactive security of the automatic fund transfer process is guaranteed.

[0041] Further, such as Figure 2 As shown, based on the first identity verification instruction, identity verification is performed on the first fund transfer account to obtain a first verification result. Step S200 includes:

[0042] S210: Obtaining a first key group according to the first capital supervision enterprise;

[0043] S220: Obtaining first identity encryption information according to the first fund transfer account, wherein the first key group and the first identity encryption information are uniquely corresponding;

[0044] S230: decrypting the first identity encrypted information using the first key group to obtain a first decryption result;

[0045] S240: When the first decryption result indicates success, generating a first verification pass instruction;

[0046] S250: Add the first verification pass instruction into the first verification result.

[0047] Specifically, when the first fund transfer account needs to transfer funds, its corresponding identity encryption information is sent to the fund supervision enterprise. The fund supervision enterprise's intranet, that is, locally stores a key that uniquely corresponds to the identity encryption information. It is in the intranet to avoid being hijacked by a third party, thereby ensuring security. Furthermore, when the fund supervision enterprise receives the identity encryption information, it uses the key to decrypt the identity encryption information. If the decryption is completed, the identity verification is displayed as passed; otherwise, the verification fails, and an instruction to repeatedly send the identity encryption information is generated and sent to the first fund transfer account.

[0048] The first funds supervision enterprise refers to an enterprise organization that supervises funds for the first funds transfer account, preferably: major banks, other credible financial institutions, etc.; the first key group refers to the result obtained by encrypting the identity information of the first funds transfer account using asymmetric encryption technology, such as: encrypting the business license coding information and the number on the organization code certificate of the enterprise of the first funds transfer account once to obtain a group of keys, which are stored as private keys in the first funds supervision enterprise; sending the encrypted information to the first funds transfer account for secondary encryption to obtain a second group of keys, which are returned to the first funds transfer account as a public key to obtain the first key group; the secondary encrypted ciphertext is the first identity encryption information stored in the first funds transfer account.

[0049] Furthermore, the first decryption result refers to a result obtained by the first fund supervision enterprise calling the first identity encrypted information and using the first key group to decrypt the first identity encrypted information when the time node for fund transfer is met.

[0050] The first verification pass instruction refers to the information that the identity information verification is passed when the first decryption result shows that the decryption is successful, and the first verification pass instruction is added to the first verification result; if the first decryption result shows that the decryption fails, an instruction to repeatedly send the identity encryption information is generated, added to the first verification result, and sent to the first fund transfer account to ensure the security of fund transfer.

[0051] Further, based on obtaining the first key group, step S210 includes:

[0052] S211: Obtain a first preset encryption rule, and encrypt the first fund transfer account identity information according to the first preset encryption rule to obtain a first ciphertext and a first key, wherein the encryption is limited to be performed in the first fund supervision enterprise intranet;

[0053] S212: Sending the first ciphertext to the first fund transfer account to obtain a second preset encryption rule;

[0054] S213: performing secondary encryption on the first ciphertext according to the second preset encryption rule to obtain the first identity encryption information and the second key, wherein the secondary encryption is limited to be performed in the intranet of the first fund transfer account;

[0055] Furthermore, the method step S213 also includes:

[0056] S2131: Generate the first preset encryption rule and the second preset encryption rule according to the RSA encryption algorithm.

[0057] S214: Send the second key to the first fund supervision enterprise and combine it with the first key to generate the first key group.

[0058] Specifically, the detailed encryption process of the first key group is exemplified as follows: based on the encryption process of the RSA asymmetric encryption algorithm, a first preset encryption rule and a second preset encryption rule are generated, that is, the selected encryption method and encrypted data are in line with the encryption process of the RSA asymmetric encryption algorithm, among which the RSA encryption algorithm is one of the commonly used encryption algorithms and will not be elaborated here.

[0059] The encryption process of the first ciphertext and the first key is executed in the intranet of the first funds supervision enterprise. This measure can ensure the information security of the encryption process. The encryption process is to encrypt the first funds transfer account after registering the account in the first funds supervision enterprise. The identity information of the first funds transfer account belonging to plain text information is encrypted through the first preset encryption rule to generate the first ciphertext and the first key.

[0060] Furthermore, the first key is stored as a private key locally in the first funds supervision enterprise, and the first ciphertext is sent to the first funds transfer account; the first identity encryption information and the second key refer to the first funds transfer account performing secondary encryption on the first ciphertext in the first funds transfer account intranet through a second preset encryption rule, and the encryption result is obtained, and the second key is set as a public key, which is sent to the first funds supervision enterprise. The first funds supervision enterprise combines the second key and the first key to form a first key group and stores it locally in the first funds supervision enterprise. It is preferred to use off-line storage until it is needed to ensure the security of the key information.

[0061] Further, based on performing secondary encryption on the first ciphertext using the second preset encryption rule to obtain the first identity encryption information and the second key, step S213 further includes:

[0062] S2132: Obtain a first random code set, wherein the amount of data in the first random code set is much larger than the first ciphertext;

[0063] S2133: combining the first random code set and the first ciphertext to obtain a first combination result;

[0064] S2134: Encrypt the first combination result using the second preset encryption rule to obtain the first identity encryption information and the second key.

[0065] Specifically, the preferred example of the secondary encryption method is as follows: the first random code set refers to the random code selected to be combined with the first ciphertext in order to enhance the encryption effect. The first ciphertext can be decrypted by the first key. Therefore, by selecting a random code set with a data volume much larger than the first ciphertext, and combining it with the first ciphertext to form new data that appears to be a long sequence of plaintext information to a third party, the first ciphertext occupies a smaller proportion of it, resulting in extremely high difficulty in decryption under the premise of unknown first key; the first combination result refers to the combined data obtained after the first random code set and the first ciphertext are combined; the first combination result is encrypted by the second preset encryption rule to obtain the first identity encrypted information and the second key, and the encryption complexity is increased by multiple encryptions, so that the first fund transfer account that can generate the first identity encrypted information corresponding to the first key group is unique, and even if the first identity encrypted information is hijacked by a third party during the transmission process, the third party cannot forge the account because it does not know the specific identity information, and the identity information is verified based on this to ensure the security of the fund transfer process.

[0066] Further, such as Figure 3 As shown, based on the first transfer plan verification instruction, the first fund transfer account is verified to obtain a second verification result, and step S300 includes:

[0067] S310: Obtaining a first funds transfer sub-account, a second funds transfer sub-account, and finally an Nth funds transfer sub-account according to the first funds transfer account;

[0068] S320: Retrieving first fund transfer details according to the first transfer plan verification instruction, wherein the first fund transfer details include transfer time and transfer amount;

[0069] S330: Sort the first funds transfer sub-account, the second funds transfer sub-account, and up to the Nth funds transfer sub-account according to the transfer time to obtain a first sorting result;

[0070] S340: Traverse the first sorting result through the transfer amount to obtain a second verification result.

[0071] Specifically, the first funds transfer account may correspond to a group enterprise with a head office and multiple subsidiaries, thus including: the first funds transfer sub-account, the second funds transfer sub-account to the Nth funds transfer sub-account, wherein N≥1, which is a natural number. For example, for an education enterprise, the head office and 15 subsidiaries currently need to transfer funds, then N=16, the first funds transfer sub-account is the head office, and the Nth funds transfer sub-account is the 15th subsidiary. The destination of each funds transfer may be different, so it is necessary to verify the destination of the transferred funds account to avoid funds transfer errors.

[0072] The first funds transfer sub-account, the second funds transfer sub-account, and the Nth funds transfer sub-account are sub-accounts that have been verified and determined to have funds transfer needs; the first funds transfer details refer to information extracted from the transfer plan and corresponding to the first funds transfer sub-account, the second funds transfer sub-account, and the Nth funds transfer sub-account, including the corresponding transfer time and funds transfer amount information of each sub-account.

[0073] The first sorting result refers to the result obtained after sorting the first funds transfer sub-account, the second funds transfer sub-account, and finally the Nth funds transfer sub-account in sequence based on the transfer time, so as to ensure that the sub-accounts with earlier transfer times can obtain the allocated funds first; further, the funds transfer sub-accounts corresponding to the first sorting result are traversed and verified based on the transfer amount, so as to ensure that the transfer amount and the funds transfer sub-account are one-to-one corresponding, thereby avoiding the situation of over-account or under-account in funds transfer, and improving the accuracy of funds transfer.

[0074] Further, based on traversing the first sorting result by the transfer amount to obtain a second verification result, step S340 includes:

[0075] S341: Obtaining a first fund balance according to the first fund supervision enterprise, wherein the first fund balance and the first fund transfer account correspond to each other;

[0076] S342: Get the first traversal formula: Where A is the dynamically updated fund balance during the traversal process, S is the first fund balance, t is the tth fund transfer sub-account traversed, x t The transfer amount for the t-th fund transfer sub-account;

[0077] S343: When A≤x t When the traversal is stopped, a second verification pass instruction is generated for the first funds transfer sub-account, the second funds transfer sub-account, and the second verification pass instruction is generated for the first funds transfer sub-account, and the second funds transfer sub-account until the t-1th funds transfer sub-account;

[0078] S344: Add the second verification pass instruction into the second verification result.

[0079] Specifically, after determining that the transfer quota and the funds transfer sub-account are in a one-to-one correspondence, in order to determine whether the fund balance in the account corresponding to the first funds transfer account in the first funds supervision enterprise meets the transfer quota requirement, it is necessary to determine the funds transfer sub-account whose fund balance can meet the requirement based on the transfer quota and the first sorting result, and then transfer funds to the screened funds transfer sub-account.

[0080] The first fund balance refers to the initial balance of the account in the first fund supervision enterprise corresponding to the first fund transfer account; through the first traversal formula: Where A is the dynamically updated fund balance during the traversal process, S is the first fund balance, t is the tth fund transfer sub-account traversed, x t is the transfer amount of the t-th fund transfer sub-account; based on the first sorting result, the transfer amount and the first fund balance are respectively brought in to obtain the fund balance A value; when A≤x t If the traversal is stopped when , it means that the current first fund balance can no longer meet the fund transfer of the t-th fund transfer sub-account, then the fund transfer time of the t-th fund transfer sub-account is updated; but the current first fund balance can meet the fund transfer of the first t-1st fund transfer sub-account, then the second verification instruction is generated to indicate that the first fund transfer sub-account, the second fund transfer sub-account and the t-1st fund transfer sub-account can be used for fund transfer. By verifying the first fund balance, it is ensured that the account that passes the verification can obtain sufficient funds for transfer, thereby improving the accuracy of fund transfer.

[0081] Embodiment 2

[0082] Based on the same inventive concept as the solution to account supervision plan allocation in the above embodiment, Figure 4 As shown, the present application provides an account supervision plan allocation system, wherein the system includes:

[0083] A first obtaining unit 11, wherein the first obtaining unit 11 is used to obtain a first verification instruction, wherein the first verification instruction includes a first identity verification instruction and a first transfer plan verification instruction;

[0084] A first verification unit 12, the first verification unit 12 is used to perform identity verification on the first fund transfer account based on the first identity verification instruction to obtain a first verification result;

[0085] A second verification unit 13, the second verification unit 13 is used to verify the first fund transfer account based on the first transfer plan verification instruction to obtain a second verification result when the first verification result shows a pass;

[0086] A second obtaining unit 14, the second obtaining unit 14 is used to obtain a first fund transfer instruction when the second verification result shows a pass;

[0087] The first execution unit 15 is configured to transfer funds to the first funds transfer account according to the first funds transfer instruction.

[0088] Furthermore, the system also includes:

[0089] A third obtaining unit, the third obtaining unit being used to obtain a first key group according to the first fund supervision enterprise;

[0090] a fourth obtaining unit, the fourth obtaining unit being used to obtain first identity encryption information according to the first fund transfer account, wherein the first key group and the first identity encryption information are uniquely corresponding;

[0091] a first decryption unit, the first decryption unit being configured to decrypt the first identity encrypted information by using the first key group to obtain a first decryption result;

[0092] A first generating unit, the first generating unit being configured to generate a first verification pass instruction when the first decryption result indicates success;

[0093] A first adding unit, wherein the first adding unit is used to add the first verification pass instruction into the first verification result.

[0094] Furthermore, the system also includes:

[0095] A first encryption unit, the first encryption unit is used to obtain a first preset encryption rule, encrypt the first fund transfer account identity information according to the first preset encryption rule, and obtain a first ciphertext and a first key, wherein the encryption is limited to be performed in the first fund supervision enterprise intranet;

[0096] a sixth obtaining unit, configured to send the first ciphertext to the first fund transfer account to obtain a second preset encryption rule;

[0097] a second encryption unit, the second encryption unit being used to perform secondary encryption on the first ciphertext according to the second preset encryption rule to obtain the first identity encryption information and the second key, wherein the secondary encryption is limited to be performed in the intranet of the first fund transfer account;

[0098] The second generating unit is used to send the second key to the first fund supervision enterprise and the first key combination to generate the first key group.

[0099] Furthermore, the system also includes:

[0100] a seventh obtaining unit, the seventh obtaining unit being used to obtain a first random code set, wherein the amount of data in the first random code set is much larger than that in the first ciphertext;

[0101] A first combining unit, the first combining unit being used to combine the first random code set and the first ciphertext to obtain a first combination result;

[0102] A third encryption unit is used to encrypt the first combination result according to the second preset encryption rule to obtain the first identity encryption information and the second key.

[0103] Furthermore, the system also includes:

[0104] The third generating unit is used to generate the first preset encryption rule and the second preset encryption rule according to the RSA encryption algorithm.

[0105] Furthermore, the system also includes:

[0106] an eighth obtaining unit, the eighth obtaining unit being configured to obtain, according to the first funds transfer account, a first funds transfer sub-account, a second funds transfer sub-account, and up to an Nth funds transfer sub-account;

[0107] a first calling unit, configured to retrieve first fund transfer details according to the first transfer plan verification instruction, wherein the first fund transfer details include a transfer time and a transfer amount;

[0108] a first sorting unit, configured to sort the first funds transfer sub-account, the second funds transfer sub-account, and up to the Nth funds transfer sub-account according to the transfer time to obtain a first sorting result;

[0109] A first traversal unit, wherein the first traversal unit is used to traverse the first sorting result through the transfer amount to obtain a second verification result.

[0110] Furthermore, the system also includes:

[0111] a ninth obtaining unit, the ninth obtaining unit being configured to obtain a first fund balance according to the first fund supervision enterprise, wherein the first fund balance and the first fund transfer account correspond to each other;

[0112] A tenth obtaining unit, wherein the tenth obtaining unit is used to obtain a first traversal formula: Where A is the dynamically updated fund balance during the traversal process, S is the first fund balance, t is the tth fund transfer sub-account traversed, x t The transfer amount for the t-th fund transfer sub-account;

[0113] The fourth generating unit is used when A≤x t When the traversal is stopped, a second verification pass instruction is generated for the first funds transfer sub-account, the second funds transfer sub-account, and the second verification pass instruction is generated for the first funds transfer sub-account, and the second funds transfer sub-account until the t-1th funds transfer sub-account;

[0114] A second adding unit, wherein the second adding unit is used to add the second verification pass instruction into the second verification result.

[0115] Exemplary Electronic Devices

[0116] Reference below Figure 5 To describe the electronic device of the present application.

[0117] Based on the same inventive concept as an account supervision plan allocation solution in the aforementioned embodiment, the present application also provides an electronic device, including a processor and a memory; the memory is used for storing; the processor is used for executing any one of the methods in embodiment one by calling.

[0118] The electronic device 300 includes: a processor 302, a communication interface 303, and a memory 301. Optionally, the electronic device 300 may also include a bus architecture 304. The communication interface 303, the processor 302, and the memory 301 may be interconnected via the bus architecture 304; the bus architecture 304 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus. The bus architecture 304 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0119] The processor 302 may be a CPU, a microprocessor, an ASIC, or one or more integrated circuits for controlling the execution of the program of the present application.

[0120] The communication interface 303 uses any transceiver-like system for communicating with other devices or communication networks, such as Ethernet, radio access network (RAN), wireless local area networks (WLAN), wired access networks, etc.

[0121] The memory 301 may be a ROM or other type of static storage device that can store static information and instructions, a RAM or other type of dynamic storage device that can store information and instructions, or an electrically erasable programmable read-only memory (EEPROM), a compact disc read-only memory (CD-ROM) or other optical disc storage, optical disc storage (including compressed optical disc, laser disc, optical disc, digital versatile disc, Blu-ray disc, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited thereto. The memory may exist independently and be connected to the processor via the bus architecture 304. The memory may also be integrated with the processor.

[0122] The memory 301 is used to store computer execution instructions for executing the solution of the present application, and the execution is controlled by the processor 302. The processor 302 is used to execute the computer execution instructions stored in the memory 301, thereby realizing an account supervision plan allocation solution provided in the above embodiment of the present application.

[0123] The present application also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the method described in any one of the first embodiments is implemented.

[0124] The present application also provides a computer program product, including a computer program and / or instructions, which, when executed by a processor, implements the steps of any one of the methods described in any one of the first embodiments.

[0125] Optionally, the computer-executable instructions in the present application may also be referred to as application code, which is not specifically limited in the present application.

[0126] This application provides an account supervision plan transfer solution and system to solve the technical problem in the prior art that the security of the online fund transfer process is difficult to ensure due to the lack of verification of the transfer account identity information and the transfer details in the fund transfer process. The identity information of the fund transfer account is verified by decryption; the amount and time of the specific account are then verified, and the fund transfer is started only after they pass. Compared with the traditional online fund transfer solution, it improves the interactive security and ensures the safe execution of automatic fund transfer. The verification of the transfer plan ensures the accuracy of the fund transfer, achieving the technical effect of improving the security and accuracy of fund transfer.

[0127] Those skilled in the art will understand that the various digital numbers such as the first and second involved in this application are only for the convenience of description, and are not used to limit the scope of this application, nor do they indicate a sequence of precedence. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the objects associated with each other are in an "or" relationship. "At least one" refers to one or more. At least two refers to two or more. "At least one", "any one" or similar expressions refer to any combination of these items, including any combination of single items (individuals) or plural items (individuals). For example, at least one item (individual, kind) of a, b, or c can represent: a, b, c, ab, ac, bc, or abc, where a, b, c can be single or multiple.

[0128] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented by software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function described in the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable system. The computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from a website site, computer, server or data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more available media integrated. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state drive (SSD)), etc.

[0129] The various illustrative logic units and circuits described in this application can be implemented or operated by a general-purpose processor, a digital signal processor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic system, discrete gate or transistor logic, discrete hardware components, or any combination of the above. The general-purpose processor can be a microprocessor, and optionally, the general-purpose processor can also be any conventional processor, controller, microcontroller or state machine. The processor can also be implemented by a combination of computing systems, such as a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.

[0130] The steps of the method or algorithm described in this application can be directly embedded in hardware, software units executed by a processor, or a combination of the two. The software unit can be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, register, hard disk, removable disk, CD-ROM or any other form of storage medium in the art. Exemplarily, the storage medium can be connected to the processor so that the processor can read information from the storage medium and write information to the storage medium. Optionally, the storage medium can also be integrated into the processor. The processor and the storage medium can be arranged in an ASIC, and the ASIC can be arranged in a terminal. Optionally, the processor and the storage medium can also be arranged in different components in the terminal. These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are performed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide for implementing the process in the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0131] Although the present application has been described in conjunction with specific features and embodiments thereof, it is obvious that various modifications and combinations may be made thereto without departing from the spirit and scope of the present application. Accordingly, this specification and the accompanying drawings are merely exemplary illustrations of the present application as defined therein, and are deemed to have covered any and all modifications, variations, combinations or equivalents within the scope of the present application. Obviously, a person skilled in the art may make various modifications and variations to the present application without departing from the scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the present application and its equivalents, the present application is intended to include these modifications and variations.

Claims

1. A solution to account supervision plan allocation, It is characterized in that The method is applied to an account supervision plan transfer system, and includes: Obtaining a first verification instruction, wherein the first verification instruction includes a first identity verification instruction and a first transfer plan verification instruction; Performing identity verification on the first fund transfer account based on the first identity verification instruction to obtain a first verification result; When the first verification result indicates passing, verifying the first fund transfer account based on the first transfer plan verification instruction to obtain a second verification result; When the second verification result indicates passing, obtaining a first fund transfer instruction; Transferring funds to the first funds transfer account through the first funds transfer instruction; According to the first funds transfer account, a first funds transfer sub-account, a second funds transfer sub-account, and up to the Nth funds transfer sub-account are obtained, where N≥1 and is a natural number; according to the first transfer plan verification instruction, a first funds transfer detail is retrieved, where the first funds transfer detail includes a transfer time and a transfer amount; according to the transfer time, the first funds transfer sub-account, the second funds transfer sub-account, and up to the Nth funds transfer sub-account are sorted to obtain a first sorting result; and the first sorting result is traversed through the transfer amount to obtain a second verification result; According to the first fund supervision enterprise, a first fund balance is obtained, wherein the first fund balance and the first fund transfer account correspond to each other; Get the first traversal formula: A = S-∑ t 0 x t , A is the fund balance dynamically updated during the traversal process, S is the first fund balance; the first fund balance refers to the initial balance of the account corresponding to the first fund transfer account in the first fund supervision enterprise; t is the tth fund transfer sub-account traversed, x t The transfer amount for the t-th fund transfer sub-account; When A≤x t Stop traversal when the traversal is completed, generate a second verification pass instruction for the first funds transfer sub-account, the second funds transfer sub-account until the t-1th funds transfer sub-account; and add the second verification pass instruction to the second verification result.

2. The method according to claim 1, It is characterized in that The performing identity verification on the first fund transfer account based on the first identity verification instruction to obtain a first verification result includes: According to the first capital supervision enterprise, a first key group is obtained; Obtaining first identity encryption information according to the first fund transfer account, wherein the first key group and the first identity encryption information are uniquely corresponding; Decrypting the first identity encrypted information using the first key group to obtain a first decryption result; When the first decryption result indicates success, generating a first verification pass instruction; The first verification pass instruction is added to the first verification result.

3. The method according to claim 2, It is characterized in that The obtaining of the first key group comprises: Obtaining a first preset encryption rule, encrypting the first fund transfer account identity information according to the first preset encryption rule, and obtaining a first ciphertext and a first key, wherein the encryption is limited to be performed in the first fund supervision enterprise intranet; Sending the first ciphertext to the first fund transfer account to obtain a second preset encryption rule; The first ciphertext is re-encrypted by the second preset encryption rule to obtain the first identity encryption information and the second key, wherein the re-encryption is limited to be performed in the intranet of the first fund transfer account; The second key is sent to the first fund supervision enterprise and combined with the first key to generate the first key group.

4. The method according to claim 3, It is characterized in that The second encrypting the first ciphertext by the second preset encryption rule to obtain the first identity encryption information and the second key includes: Obtaining a first random code set, and combining the first random code set with the first ciphertext to obtain a first combination result; The first combination result is encrypted using the second preset encryption rule to obtain the first identity encryption information and the second key.

5. The method according to claim 3, It is characterized in that The method comprises: The first preset encryption rule and the second preset encryption rule are generated according to the RSA encryption algorithm.

6. A computer-readable storage medium, It is characterized in that The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

7. An electronic device, It is characterized in that including a processor and a memory; The memory is used for storing; The processor is used to execute the method according to any one of claims 1 to 5 by calling.

8. A computer program product comprising a computer program and / or instructions, It is characterized in that When the computer program and / or the instructions are executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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