Automatic deduction method, device, equipment, medium and computer program product applied to financial system

Abstract

The present disclosure provides an automatic deduction method applied to a financial system, which can be applied to the fields of big data technology and the Internet of Things technology. The automatic deduction method applied to a financial system includes: generating a current encrypted file corresponding to the current uploaded data sent by a payment collection platform; in response to the deduction confirmation information of the payment collection platform, performing authentication on the current encrypted file; and performing deductions on the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after authentication, including: when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, performing deductions corresponding to the current payment balance. The present disclosure also provides an automatic deduction device, equipment, storage medium and program product applied to a financial system.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology, and more specifically to an automatic deduction method, device, equipment, medium and program product applied to a financial system. Background Art

[0002] At present, for the financial system, there is a situation where the funds of one party (payee) need to be transferred to another party (payee). For example, at present, the railway transportation department (payee) in my country sells train tickets. In addition to online and official window sales, there is also a sales outlet (payee) sales method, that is, the railway bureaus or railway companies of the railway transportation department entrust the right to sell train tickets to external units with relevant qualifications according to local actual conditions, such as multiple physical sales outlets corresponding to local railway stations. Among them, the sales outlet can generally use POS card swiping and other payment channels to sell tickets, and the ticket money can be directly remitted to the collection account opened by the railway transportation department in the bank. However, for funds from other channels (such as cash, ticket sales on credit at the sales outlet), the sales outlet needs to collect the ticket money first, and then manually settle with the railway transportation department offline. Therefore, this part of the payable ticket money has the problem of "difficulty in remittance", and it is impossible to achieve refined management of the railway group's ticket agency business. Summary of the invention

[0003] In view of the above problems, the present disclosure provides an automatic deduction method, device, equipment, medium and program product applied to a financial system to improve the level of refined management of financial accounts.

[0004] The first aspect of the present disclosure provides an automatic deduction method applied to a financial system, which includes: generating a current encrypted file corresponding to the current uploaded data sent by a payment collection platform; authenticating the current encrypted file in response to the deduction confirmation information of the payment collection platform; and executing deductions to a payment platform corresponding to the payment collection platform based on the deduction parsing data corresponding to the current encrypted file after authentication, including: when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, deductions are executed corresponding to the current payment balance.

[0005] According to an embodiment of the present disclosure, in generating a current encrypted file corresponding to the current uploaded data sent by the payment collection platform, it includes: generating a batch deduction file of the current uploaded data that is bound to the authentication identifier in the current uploaded data according to the deduction agreement number in the current uploaded data; encrypting the batch deduction file to generate the current encrypted file.

[0006] According to an embodiment of the present disclosure, before authenticating the current encrypted file in response to the deduction confirmation information of the payment platform, the method further includes: sending the current encrypted file to the payment platform to obtain the deduction confirmation information sent by the payment platform based on the current encrypted file.

[0007] According to an embodiment of the present disclosure, in response to the deduction confirmation information of the payment platform, the authentication of the current encrypted file includes: in response to the deduction confirmation information of the payment platform, matching the verification information sent by the payment platform; in response to the matching of the verification information, authenticating the payment authority of the payment platform.

[0008] According to an embodiment of the present disclosure, in response to the deduction confirmation information of the payment platform, matching the verification information sent by the payment platform includes: in response to the deduction confirmation information of the payment platform, pushing the verification information to the payment platform; receiving the verification identifier generated according to the verification information sent by the payment platform; matching the verification identifier and the authentication identifier in the current encrypted file.

[0009] According to an embodiment of the present disclosure, in response to a match in verification information, authenticating the payment collection platform's payment collection authority includes: in response to a match in verification information, obtaining authentication information sent by the payment collection platform; performing signature verification on the authentication information to complete the authentication of the payment collection platform's payment collection authority.

[0010] According to an embodiment of the present disclosure, before executing deductions to a payment platform corresponding to a payment collection platform based on the deduction parsing data corresponding to the current encrypted file after authentication, it also includes: decrypting the current encrypted file to generate a current decrypted file corresponding to the current uploaded data; parsing the current decrypted file to generate the deduction parsing data.

[0011] According to an embodiment of the present disclosure, in executing deductions to a payment platform corresponding to a payment collection platform based on the deduction parsing data corresponding to the current encrypted file after authentication, it also includes: registering the current deduction amount, scheduled deduction time and deduction execution information in the deduction parsing data; when the scheduled deduction time is met, executing a deduction of the current deduction amount to the payment platform that matches the payment collection platform according to the deduction execution information.

[0012] According to an embodiment of the present disclosure, when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction analysis data, after executing the deduction corresponding to the current payment balance, it also includes: registering the undeducted amount and updating the scheduled deduction time based on the current payment balance and the current deduction amount.

[0013] According to an embodiment of the present disclosure, in executing deductions to a payment platform corresponding to a payment platform according to the deduction parsing data corresponding to the current encrypted file after authentication, it also includes: when the current payment balance in the payment account corresponding to the payment platform is greater than the current deduction amount corresponding to the deduction parsing data, deductions are executed corresponding to the current deduction amount.

[0014] The second aspect of the present disclosure provides an automatic deduction device applied to a financial system, which includes a file generation module, a file authentication module and a deduction execution module. The file generation module is used to generate a current encrypted file corresponding to the current uploaded data sent by the payment collection platform; the file authentication module is used to perform authentication on the current encrypted file in response to the deduction confirmation information of the payment collection platform; and the deduction execution module is used to perform deductions on the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after authentication, wherein the deduction execution module includes a deduction submodule, and the deduction submodule is used to perform deductions corresponding to the current payment balance when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data.

[0015] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned automatic deduction method applied to the financial system.

[0016] The fourth aspect of the present disclosure further provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above-mentioned automatic deduction method applied to a financial system.

[0017] The fifth aspect of the present disclosure also provides a computer program product, including a computer program, which, when executed by a processor, implements the above-mentioned automatic deduction method applied to a financial system.

[0018] The present disclosure provides an automatic deduction method applied to a financial system, an automatic deduction device, equipment, storage medium and program product applied to a financial system, which can be applied to the fields of big data technology and the Internet of Things technology. The automatic deduction method applied to a financial system includes: generating a current encrypted file corresponding to the current uploaded data sent by a payment collection platform; in response to the deduction confirmation information of the payment collection platform, performing authentication on the current encrypted file; and performing deductions on the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after authentication, including: when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, the corresponding current payment balance is deducted. The above-mentioned automatic deduction method applied to a financial system in the embodiment of the present disclosure realizes a financial data processing system for automatic clearing of online ticket payments, which can effectively solve the problems of inefficiency and low flexibility of offline collection mechanisms for cash ticket payments at ticket sales points, and can effectively add intelligent functions such as scheduled deductions, partial deductions, and supplementary deductions. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0020] Figure 1 A schematic diagram showing an application scenario of an automatic deduction method, apparatus, device, medium, and program product applied to a financial system according to an embodiment of the present disclosure;

[0021] Figure 2 A flowchart of an automatic deduction method applied to a financial system according to an embodiment of the present disclosure is schematically shown;

[0022] Figure 3 A schematic diagram showing an application scenario of an automatic deduction method applied to a financial system according to an embodiment of the present disclosure;

[0023] Figure 4 The following schematically shows an application scenario diagram of the automatic deduction process according to an embodiment of the present disclosure;

[0024] Figure 5 A schematic diagram of a structure of an automatic deduction device applied to a financial system according to an embodiment of the present disclosure is shown; and

[0025] Figure 6 A block diagram of an electronic device suitable for implementing an automatic deduction method applied to a financial system according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0026] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0027] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "include", "comprising", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0028] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0029] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0030] In the prior art, there are at least the following technical problems to be solved regarding the offline manual settlement in the process of the financial system transferring the payer's funds to the payee:

[0031] 1. Due to offline manual settlement, there is no online fund processing mechanism, which occupies human resources and has low settlement efficiency. For example, after the ticket agency receives the cash ticket money every day, it is necessary to carry cash to the railway station to pay the ticket money manually, which not only occupies a lot of human resources, but also has low efficiency.

[0032] 2. There is no automatic clearing mechanism and lack of flexibility. At present, my country's railway transportation network is becoming more and more developed and spread all over the country. With the rapid development of the railway network, the multi-channel ticket settlement needs of rail transit have become more and more complex. The railway transportation department urgently needs to increase the online speed of ticket settlement and carry out automation and intelligent transformation of ticket settlement.

[0033] Therefore, the present invention provides a new online ticket payment automatic clearing bank system to solve the problems of low efficiency and low flexibility of the existing offline payment mechanism for cash ticket payment at railway ticket agency sales points.

[0034] In view of the fact that the automation and intelligence levels of the existing payment or collection mechanisms between payers and payees are too low, resulting in low efficiency in account settlement and poor financial account management, the present disclosure provides automatic deduction methods, devices, equipment, media and program products applied to financial systems to improve the level of refined management of financial accounts.

[0035] It should be noted that the above-mentioned automatic deduction method and device applied to the financial system disclosed in the present invention can be used in the fields of big data technology and the Internet of Things technology, and can also be used in the financial field and any field outside the financial field. The application field of the automatic deduction method and device applied to the financial system in the embodiments of the present invention is not limited.

[0036] In the technical solution disclosed in this disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of data including user personal information are in compliance with the relevant laws and regulations, necessary confidentiality measures are taken, and they do not violate public order and good morals. Before obtaining or collecting user personal information, the user's authorization or consent is obtained.

[0037] An embodiment of the present disclosure provides an automatic deduction method applied to a financial system, which generates a current encrypted file corresponding to the current uploaded data sent by a payment collection platform; performs authentication on the current encrypted file in response to the deduction confirmation information of the payment collection platform; and performs deductions on a payment platform corresponding to the payment collection platform based on the deduction parsing data corresponding to the current encrypted file after authentication, including: when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, deductions are performed corresponding to the current payment balance.

[0038] Figure 1 The application scenario diagram of the automatic deduction method, apparatus, device, medium and program product applied to a financial system according to an embodiment of the present disclosure is schematically shown.

[0039] like Figure 1 As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0040] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0041] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0042] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received user request and other data, and feed back the processing results (such as web pages, information, or data obtained or generated according to the user request) to the terminal device.

[0043] It should be noted that the automatic deduction method for a financial system provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the automatic deduction device for a financial system provided in the embodiment of the present disclosure can generally be arranged in the server 105. The automatic deduction method for a financial system provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the automatic deduction device for a financial system provided in the embodiment of the present disclosure can also be arranged in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0044] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to the implementation requirements.

[0045] The following will be based on Figure 1 The scene described by Figure 2 to Figure 4 The automatic deduction method applied to the financial system of the disclosed embodiment is described in detail.

[0046] Figure 2 The flowchart of the automatic deduction method applied to the financial system according to the embodiment of the present disclosure is schematically shown.

[0047] like Figure 2As shown, the automatic deduction method applied to the financial system of this embodiment includes operations S201 to S203.

[0048] In operation S201, a current encrypted file corresponding to the current uploaded data sent by the payment platform is generated;

[0049] In operation S202, in response to the deduction confirmation information from the payment collection platform, authentication is performed on the current encrypted file;

[0050] In operation S203, according to the deduction parsing data corresponding to the current encrypted file after authentication, deductions are executed to the payment platform corresponding to the payment platform, including: when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, deductions are executed corresponding to the current payment balance.

[0051] The financial system can be a management and operation platform established by financial enterprises such as banks to realize intelligent settlement of funds. The collection platform is a management platform set by the payee to cooperate with the above-mentioned financial system to realize fund settlement. The payment platform is a management platform set by the payee to cooperate with the above-mentioned financial system to realize fund settlement. In fact, the collection platform can also handle payment business settlement based on the financial system, and the payment platform can also handle collection business settlement based on the financial system. In other words, the financial system, the collection platform and the payment platform are three different operating systems for realizing fund settlement management between the corresponding financial management enterprise, the payee and the payee, and the financial personnel or technical personnel of the corresponding financial management enterprise, the payee and the payee respectively realize fund operation and system maintenance management. For example, the financial management enterprise can be a bank, the payee can be a railway transportation department, and the payee can be the corresponding sales point of the railway transportation department, and the payee and the payee are respectively carried out in the same bank.

[0052] Among them, the financial system, the payment platform and the payment platform can achieve interconnection and intercommunication through the corresponding management and operation agreement, and complete operations such as data transmission, information confirmation, and authority authentication. Among them, the management and operation agreement is a set of agreements that must be followed by communication platforms. The agreement is used to establish connections, identify each other, and realize communication between platforms. It can eventually be reflected in the format of data packets transmitted on the network. Among them, the management and operation agreement can have an identity identifier that identifies the agreement itself, such as an agreement number or code, etc. The agreement number or agreement code can be used to uniquely retrieve the content of the agreement and feedback the relevant content of the deduction data involved.

[0053] The currently uploaded data is the current settlement data sent by the payer to the payee's payment platform through the payment platform. The current settlement data can define the settlement account (including the payee's account and the payer's account, such as account number and account name, etc.), settlement amount, deduction items and other deduction-related deduction details of the payer. Among them, the current settlement data can be the fund settlement data of a specific time period such as the day before or a few days before the deduction date.

[0054] The payment platform confirms the current uploaded data sent by the payment platform and sends it to the financial system of the embodiment of the present disclosure, and the financial system performs encryption processing on the current uploaded data to generate a corresponding current encrypted file. The current encrypted file is a data file generated after the current uploaded data is encrypted. In this way, data security can be guaranteed.

[0055] After receiving the above-mentioned currently uploaded data, the payee can review and confirm it through the payment collection platform and generate deduction confirmation information. Among them, the deduction confirmation information is the review and confirmation data of the payee on the deduction details data related to the deduction of the payee, such as the settlement amount and deduction items in the currently uploaded data, which is used to feedback the payee's confirmation of the settlement request of the currently uploaded data.

[0056] After receiving the above-mentioned deduction confirmation information, the financial system performs authentication on the current encrypted file. The authentication includes identity verification and data permission verification of the data file to reflect the uniqueness and exclusivity of the data processing authority and ensure the accuracy and security of the data processing process.

[0057] After the current encrypted file is authenticated to confirm the accuracy and security of its data, it can be parsed by the financial system and generate corresponding deduction parsing data. The deduction parsing data can be the specific data for deduction execution including the current total deduction amount corresponding to the settlement amount in the current uploaded data. According to the deduction parsing data, a deduction operation can be performed on the corresponding financial account of the payment platform corresponding to the payment platform, so that the corresponding amount of the payment platform that meets the current total deduction amount is transferred to the financial account of the payment platform. Among them, during the execution of the deduction operation, the current payment balance of the financial account (i.e., the payment account) of the current payment platform is the remaining amount in the payment account at the current moment, and the current deduction amount is the current total deduction amount corresponding to the above-mentioned deduction parsing data, and the current total deduction amount corresponds to the above-mentioned settlement amount of the currently uploaded data, the deduction items and other deduction details related to the summary deduction amount. That is, compared with traditional manual deduction operations and existing automatic full deductions, the above method of the embodiment of the present disclosure can perform a deduction operation on the current remaining amount when the remaining amount of the payment account is less than the current deduction amount. In this way, in one deduction process, the payer's account can be deducted as much as possible according to the details of the automatic deduction, thereby ensuring the automation and accuracy of the deduction process.

[0058] It can be seen that the above-mentioned automatic deduction method applied to the financial system in the embodiment of the present disclosure realizes a financial data processing system for automatic settlement of online ticket payments, which can effectively solve the problems of inefficiency and low flexibility of the offline collection mechanism of cash ticket payments at ticket agency points, and can effectively add intelligent functions such as scheduled deduction, partial deduction, and supplementary deduction. In addition, since it is possible to automatically deduct the existing part and supplement the remaining part when the balance is insufficient. By selecting the appointment time for automatic collection, the business flexibility is improved; when the balance is insufficient, there is an automatic supplementary deduction mechanism, which eliminates the tedious work of manual verification of accounts, which not only increases the accuracy, but also improves the user experience.

[0059] In order to further clarify the above technical scheme, the embodiment of the present disclosure specifically uses the train ticket sales point platform as the payment platform, the railway transportation department business operation platform as the collection platform and a bank as the financial system, and executes the above automatic deduction method of the embodiment of the present disclosure on the current deduction upload data of the previous day corresponding to the current deduction operation, so that technical personnel in this field can have a clearer understanding of the implementation strength of the present disclosure and the above automatic deduction method.

[0060] Among them, the currently uploaded data may include the amount of deductions made one day before the current moment (such as the amount of tickets sold at the ticket agency the previous day), the ticket agency's deduction account (such as the payee's account name and account number), the railway transportation department (such as the payee's account name and account number), and the management and operation agreement defined between the three parties and its agreement number.

[0061] Figure 3 The application scenario diagram of the automatic deduction method applied to a financial system according to an embodiment of the present disclosure is schematically shown.

[0062] like Figure 3 As shown, the application scenario diagram mainly includes a contract signing module 311, a batch file automatic generator 313, an SM4 encryption machine 314, a page processing module 315, a digital certificate signature verification module 316, a file parsing module 317, and an automatic deduction module 318. Among them, the automatic deduction module 318 is used to implement the automatic deduction operation. Among them, most of the modules 311, 313-318 in the application scenario diagram form an interactive relationship with the payment platform 312, the payment platform (not shown), etc. to realize the need for automatic deduction. It can be understood that the batch file automatic generator 313, the SM4 encryption machine 314, the page processing module 315, the digital certificate signature verification module 316, the file parsing module 317, and the automatic deduction module 318 involved therein can be components of the financial system of the embodiment of the present disclosure, which are used to implement the above-mentioned automatic deduction method.

[0063] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, in operation S201, a current encrypted file corresponding to the current uploaded data sent by the payment collection platform is generated, including:

[0064] Generate a batch deduction file of the current uploaded data that is bound to the authentication identifier in the current uploaded data according to the deduction agreement number in the current uploaded data;

[0065] Encrypt the batch deduction file and generate the current encrypted file.

[0066] The uploading, signing and storage of the management operation agreement between the financial system (such as a bank), the payee and the payee are realized through the contract signing module 311. The management operation agreement has an agreement number that uniquely identifies the content of the agreement, which can be used as the above-mentioned deduction agreement number. The agreement number can be used as one of the contents of the current uploaded data sent by the payer to the payee, and sent to the payment collection platform 312 through the contract signing module 311 as contract signing information, such as operation S301.

[0067] After receiving the current uploaded data including the deduction agreement number, the payment collection platform 312 may send a file generation initiation request and the current uploaded data to the batch file automatic generator 313. The batch file automatic generator 313 generates batch files for the current uploaded data sent by the payment collection platform in response to the file initiation request, and generates batch deduction files, such as operation S302. The batch deduction file is a processed file of the current uploaded data, and uses a file format different from the data format of the original current uploaded data, so as to facilitate better data processing in the subsequent data processing process.

[0068] After the batch deduction file is generated, the batch file automatic generator 313 sends an encryption request to the SM4 encryption machine 314, such as operation S303. The SM4 encryption machine 314 can perform an encryption operation on the batch deduction file generated by the batch file automatic generator 313 based on the SM4 encryption technology to generate a corresponding current encrypted file.

[0069] In this way, the preprocessing operation of the currently uploaded data can be implemented, so that the data format of the currently uploaded data can be more in line with the subsequent data processing needs, speed up the data processing speed, ensure the data processing accuracy, and at the same time meet the data security needs during the data processing process.

[0070] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, before the operation S202 responds to the deduction confirmation information of the payment platform and performs authentication on the current encrypted file, it also includes:

[0071] Send the current encrypted file to the payment platform to obtain the deduction confirmation information sent by the payment platform based on the current encrypted file.

[0072] After completing the encryption operation of the batch deduction file corresponding to the current uploaded data, the SM4 encryption machine 314 can feed back the encrypted current encrypted file to the payment platform 312, such as operation S304. Afterwards, the payment platform 312 can push the corresponding deduction confirmation request to the staff of the payee, so that after receiving the deduction confirmation request, the staff will review and confirm the deduction information of the corresponding current encrypted file, and send the corresponding deduction confirmation information through the payment platform 312. The deduction confirmation information can be the confirmation instruction sent by the payee after the deduction information of the current encrypted file is reviewed and confirmed, so as to indicate that the deduction program can be executed for the deduction item corresponding to the current encrypted file. Among them, the payment platform 312 can also automatically review and confirm the current encrypted file through the preset rules by presetting the corresponding file data review and confirmation rules, and generate the corresponding deduction confirmation information.

[0073] After completing the review and confirmation, the payment collection platform 312 can send the deduction confirmation information to the page processing module 315 as a file upload request, so that the page processing module 315 can perform page processing operations through the current encrypted file generated by the SM4 encryption machine, such as operation S305. The page processing module 315 can provide a visual information page display to the payee, so that the staff of the payee can use the display page provided by the page processing module to perform visual operations of the automatic deduction process, such as signature verification, operation feedback, etc.

[0074] Therefore, the payment collection platform can be further strengthened to review and confirm the automatic deduction operation corresponding to the currently uploaded data to improve the accuracy and security of the deduction operation. Moreover, through the display of the visual page, the automatic deduction process can be visualized as much as possible to improve the user experience of the automatic deduction process.

[0075] Among them, the above-mentioned deduction confirmation information can also include the review and confirmation content of the current encrypted file corresponding to the currently uploaded data by the payment platform. In other words, the current encrypted file can also be sent to the payment platform at the same time to obtain the review and confirmation information sent by the payment platform based on the current encrypted file.

[0076] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, in operation S202, in response to the deduction confirmation information of the payment platform, the current encrypted file is authenticated, including:

[0077] In response to the payment confirmation information from the payment platform, match the verification information sent by the payment platform;

[0078] In response to a match in the verification information, the payment collection platform's payment collection authority is authenticated.

[0079] The page processing module 315 can implement the authentication operation of verifying the digital signature of the digital certificate signature module 316, such as operation S306. Among them, the authentication operation of verifying the digital signature can perform authentication on the current encrypted file according to the deduction confirmation information received by the page processing module 315, first match the verification information sent by the payment collection platform, complete the verification authentication, and perform a secondary authentication of the payment collection authority of the payment collection platform according to the result of the verification authentication, that is, the authority authentication.

[0080] It can be seen that the double authentication method of verification matching and authority authentication can further improve the accuracy and security of data processing, so that the automatic deduction method of the disclosed embodiment can realize the unique deduction operation accurately corresponding to the payer and the payee of the current uploaded data, prevent the confusion between the deduction object and the payee of the automatic deduction, and improve the security factor of the authority authentication of funds transfer, so that both the payee and the payee can be more assured of the security of their own funds, the funds management is more refined, and the user experience is better.

[0081] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, in response to the deduction confirmation information of the payment collection platform, matching the verification information sent by the payment collection platform includes:

[0082] In response to the payment confirmation information from the payment platform, push verification information to the payment platform;

[0083] Receive the verification mark generated by the payment collection platform based on the verification information;

[0084] Match the verification flag with the authentication flag in the current encrypted file.

[0085] The verification digital certificate signature module 316 pushes verification information to the payment platform according to the deduction confirmation information. The verification information is the verification request information sent by the financial system to the payment platform, which is used to enable the payment platform 312 to obtain the verification identifier corresponding to the current encrypted file after receiving the verification request information. The verification identifier can be sent to the verification digital certificate signature module 316 by the payment platform 312, and the verification identifier is the unique designated deduction identifier of the current uploaded data corresponding to the current encrypted file, which can be a code or other digits or letters. The verification identifier can also be used as an identifier for the payee to identify the current uploaded data and the payer.

[0086] When the payment platform sends the current encrypted file corresponding to the current uploaded data to the batch file automatic generator 313 through the API interface, etc., the authentication identifier corresponding to the current uploaded data can be sent to the batch file automatic generator 313, so that the batch file automatic generator 313 can bind the authentication identifier with the current uploaded data and generate a batch deduction file. Among them, the authentication identifier is a coded text such as a signature verification code or letters used by the payer of the corresponding payment platform 312 to mark the current uploaded data. In other words, when the corresponding payer uploads and sends the current uploaded data to the payment platform 312 through the payment platform, the authentication identifier is used as the unique identity identifier of the current uploaded data and uploads it at the same time, so that the authentication identifier can be bound to the current encrypted file finally generated. The authentication identifier can be used as an identifier for the payee to identify the current uploaded data and the payer.

[0087] When the verification mark and the authentication mark are the same, the fund turnover relationship between the payer and the payee corresponding to the currently uploaded data can be determined, thereby realizing the unique determination of the current encrypted file corresponding to the currently uploaded data, ensuring the accuracy of data processing, ensuring that the fund turnover process is realized between the respective accounts of the payer and the payee, avoiding fund management errors, and strengthening data processing supervision. Specifically, the authentication mark and the verification mark can both be a U-shield logon ID, which can be used as the authentication of the payer's payment authority.

[0088] In addition, this can also ensure that the automatic deduction operation corresponding to the current encrypted file can be confirmed by both the payer and the payee at the same time, so as to ensure the authority management of the automatic deduction operation, prevent malicious human operations including those within the financial system, ensure the security of fund management, and improve the user's fund management experience.

[0089] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, in response to the matching of the verification information, authenticating the payment authority of the payment collection platform includes:

[0090] In response to a match of the verification information, obtaining authentication information sent by the payment platform;

[0091] Verify the authentication information and complete the authentication of the payment platform's payment authority.

[0092] After the matching of the verification information is completed, the digital certificate signature module 316 needs to be verified to further realize the authentication of the payment platform's payment authority. Specifically, the current encrypted file is visualized to the payee through the page processing module 315, and the staff of the payee can extract the current encrypted file to the payment platform 312 through the visualization page. Through the payment platform 312, the current encrypted file can be compared and analyzed with the current encrypted file fed back by the aforementioned SM4 encryption machine 314. According to the consistent analysis results of the comparison and analysis of the current encrypted file before and after, the staff of the payee can send authentication information to the verification digital certificate signature module 316 through the payment platform 312. The authentication information can be the authority verification data of the authority device matching the financial system, and can include the account name, account number, authority level of the payee, and the protocol code of the aforementioned management operation agreement.

[0093] By performing the authentication operation of signature verification on the authentication information, the payment authority of the payee account corresponding to the payment platform can be authenticated according to the authority level specified in the authentication information, the account name of the payee and other account information. Among them, the authentication process can be a two-way authentication, and at the same time, it also involves authentication operations such as re-matching authentication and signature verification of the above-mentioned authentication representation.

[0094] In this way, the deduction processing authority of the current encrypted file can be authenticated, which can ensure the uniqueness of the recipient of the automatic deduction and the accuracy of the object of the automatic deduction. Moreover, with the help of this secondary authentication process, the safety factor of the data processing process can be further improved.

[0095] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, before deducting money from a payment platform corresponding to a payment collection platform according to the deduction parsing data corresponding to the current encrypted file after authentication in operation S203, the method further includes:

[0096] Decrypt the current encrypted file to generate the current decrypted file corresponding to the currently uploaded data;

[0097] Parse the current decrypted file to generate deduction parsing data.

[0098] After completing the authentication operation of the current encrypted file, the verification digital certificate signature module 316 can transmit the verified current encrypted file to the file parsing module 317, such as operation S307. The file parsing module 317 can perform the SM4 decryption operation on the current encrypted file, so that the current encrypted file can be decrypted and generate a current decrypted file corresponding to the current uploaded data. The data content of the current decrypted file includes the data content of the current uploaded data and the authentication operation data generated in the aforementioned authentication process, such as authentication information, authentication identification, authentication authority information and other data content.

[0099] Furthermore, the file parsing module 317 can perform a parsing operation on the current decrypted file, parse out the detailed data of the automatic deduction of the current decrypted file and the aforementioned authentication operation data, and generate deduction parsing data. The deduction parsing data can be deduction execution specific data including the current total deduction amount corresponding to the settlement amount in the current uploaded data. Among them, the deduction execution specific data can also include the payee's account information (such as payment account name, account number, etc.), the payee's name, the payee's account information, the payee's name, the management operation agreement code, the current deduction amount, and the set deduction time, etc.

[0100] In this way, the decryption and parsing operations of the current encrypted file can be completed, so that the automatic deduction method of the disclosed embodiment can have a matching deduction operation basis. In this way, the confirmation of the deduction amount and deduction time can be realized, which can make the deduction process more refined, automated and intelligent, and at the same time ensure the accuracy of the deduction data, prevent unreasonable over-deduction or under-deduction, and avoid affecting the cooperation experience between the payee, the payee and the financial system.

[0101] like Figure 2 and Figure 3 As shown, according to an embodiment of the present disclosure, in operation S203, according to the deduction parsing data corresponding to the current encrypted file after authentication, the payment platform corresponding to the payment platform is deducted, and the deduction also includes:

[0102] Register the current deduction amount, scheduled deduction time, and deduction execution information in the deduction analysis data;

[0103] When the scheduled deduction time is met, the current deduction amount is deducted from the payment platform that matches the payment platform according to the deduction execution information.

[0104] The file parsing module 317 can transmit the content of the deduction parsing data to the automatic deduction module 318, and the specific deduction operation can be implemented through the automatic deduction module 318, such as operation S309. Among them, the automatic deduction module 318 can realize the registration of the current deduction amount, the scheduled deduction time and the deduction execution information in the deduction parsing data, and execute the automatic deduction operation that conforms to the current deduction amount and the deduction execution information according to the scheduled deduction time. The deduction execution information may include the collection account information of the collection platform corresponding to the payee, the payment account information of the payment platform corresponding to the payee, and the management operation agreement number and other related information content of the deduction execution. As in operation S310, the automatic deduction module 318 can send the management original agreement number to the contract module 311 to check the contract information. When the agreement number matches the agreement number in the contract information corresponding to the current uploaded data, the corresponding deduction operation can be executed.

[0105] Specifically, the automatic deduction module 318 can call the corresponding execution operation based on the thread of the thread pool, such as setting the deduction time according to the scheduled deduction time through the thread. When the time matches, the thread automatically scans the current deduction amount, scheduled deduction time and deduction execution information registered above to make the deduction.

[0106] Therefore, accurate automatic deductions can be made from the payer, so that the payee can accurately receive the deduction funds and complete the data operation process of the entire deduction operation. The entire operation process basically reaches the level of fully automated processing, while greatly improving the level of intelligence and refinement. It achieves accurate and effective automatic settlement of deduction data with extremely high flexibility, while reducing human resource occupation and improving deduction efficiency.

[0107] In addition, the automatic deduction module 318 can also feed back the deduction processing progress as a deduction notification transaction result to the payment collection platform 312 and the payment platform in real time, thereby realizing effective deduction processing prompts.

[0108] Figure 4 The application scenario diagram of the automatic deduction process according to an embodiment of the present disclosure is schematically shown.

[0109] like Figure 2-Figure 4 As shown, according to an embodiment of the present disclosure, when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, after deduction is performed corresponding to the current payment balance, the method further includes:

[0110] Based on the current payment balance and the current deduction amount, register the undeducted amount and update the scheduled deduction time.

[0111] If the current payment balance in the payment account is less than the current deduction amount corresponding to the deduction parsing data, it means that the fund amount 412 of the remaining amount in the payment account cannot be fully deducted, such as operation S401. Therefore, after completing the deduction operation on the current payment balance, it is necessary to register the undeducted amount according to the current payment balance and the current deduction amount. That is, when the current deduction amount to be deducted is greater than the current payment balance of the payment account, all funds in the payment account are deducted, and the difference between the current deduction amount and the current payment balance is registered as the undeducted amount as the updated current deduction amount. At the same time, the scheduled deduction time can also be updated as the updated scheduled deduction time, and the updated current deduction amount and scheduled deduction time are stored in the host automatic deduction thread 412. Therefore, the financial interests of the payee can be guaranteed as much as possible, the integrity and comprehensiveness of the payee's fund settlement can be ensured, and the security of funds can be guaranteed. At the same time, the financial credit of the payer can also be improved to prevent the payer from losing the payee's business trust due to failure to pay as agreed. In this way, we can strive to ensure that the commercial transactions between the two parties proceed normally and orderly, greatly improving the fund management experience of the payee and the payer.

[0112] When the updated scheduled deduction time is met, the automatic deduction module 318 further calls the automatic deduction thread 412 to start the deduction thread and perform the deduction operation again, such as operation S402. Specifically, the deduction execution information such as customer information and agreement information 413 is registered, and the consistency before and after is determined according to the deduction execution information. When the consistency is met, the deduction operation is performed, such as operation S403.

[0113] If the current payment balance in the payment account is 0, the payment account cannot realize fund turnover, and the generated message of the failed deduction needs to be pushed to the payment platform of the payee in time, and the prompt content of the fund balance being 0 is pushed to the payment platform of the payee, and the deduction settlement content is marked as failed. Furthermore, the scheduled deduction time can be updated, and the deduction operation can be periodically performed again at the updated deduction time until the deduction operation is completed.

[0114] like Figure 2-Figure 4 As shown, according to an embodiment of the present disclosure, in operation S203, according to the deduction parsing data corresponding to the current encrypted file after authentication, the payment platform corresponding to the payment platform is deducted, and the deduction also includes:

[0115] When the current payment balance in the payment account corresponding to the payment platform is greater than the current deduction amount corresponding to the deduction analysis data, deduction is performed corresponding to the current deduction amount.

[0116] When the current payment balance corresponding to the account fund balance 412 of the payer is greater than the current deduction limit, a deduction operation is performed on the funds in the account fund of the payer that meet the current deduction limit, thereby completing the automatic deduction process of the embodiment of the present disclosure.

[0117] The present disclosure provides an automatic deduction method applied to a financial system, an automatic deduction device, equipment, storage medium and program product applied to a financial system, which can be applied to the fields of big data technology and the Internet of Things technology. The automatic deduction method applied to a financial system includes: generating a current encrypted file corresponding to the current uploaded data sent by a payment collection platform; in response to the deduction confirmation information of the payment collection platform, performing authentication on the current encrypted file; and performing deductions on the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after authentication, including: when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, the corresponding current payment balance is deducted. The above-mentioned automatic deduction method applied to a financial system in the embodiment of the present disclosure realizes a financial data processing system for automatic clearing of online ticket payments, which can effectively solve the problems of inefficiency and low flexibility of offline collection mechanisms for cash ticket payments at ticket sales points, and can effectively add intelligent functions such as scheduled deductions, partial deductions, and supplementary deductions.

[0118] In order to further clarify the above technical scheme, the embodiment of the present disclosure specifically uses the train ticket sales point platform as the payment platform, the railway transportation department business operation platform as the collection platform and a bank as the financial system, and executes the above automatic deduction method of the embodiment of the present disclosure on the current deduction upload data of the previous day corresponding to the current deduction operation, so that technical personnel in this field can have a clearer understanding of the implementation strength of the present disclosure and the above automatic deduction method.

[0119] The railway transportation department, bank and sales outlets sign a three-party collection and withholding agreement (which can include two versions, one for individual business owners and one for enterprises), which can generate a corresponding three-party agreement number.

[0120] The ticket agency uploads the day's deduction amount (the amount of tickets sold by the ticket agency on that day), the name and account number of the ticket agency's deduction account, the name and account number of the railway transportation department's collection account, the tripartite agreement number and other information to the railway transportation department's business operation platform.

[0121] When all the ticket sales outlets under the railway station have uploaded the data to the railway transportation department's business operation platform, the railway transportation department's business operation platform will automatically send the data uploaded by each ticket sales outlet and the U-shield logon ID that has financial authority over the ticket sales outlet to the system's batch file automatic generator through the API interface.

[0122] The batch file automatic generator generates batch deduction files and binds them to the U-shield's logonID, which are then encrypted by the SM4 encryption machine and transmitted back to the railway transportation department's business operation platform.

[0123] When the railway station financial staff needs to deduct money, they click the "Confirm Batch File" button in their business operation platform to trigger the call of the corporate online banking client page processing module. The Ministry of Railways platform simultaneously transmits the encrypted file to this system, and this system performs SM4 decryption. The railway station financial staff uses the bank U shield they hold to conduct two-way authentication with the bank, and after verifying the logonID, they log in to the visual operation page of the module, confirm the batch file through the page, and select the scheduled deduction time. Finally, they use the U shield they hold to conduct two-way authentication with the bank again, verify the logonID, and verify the signature to confirm success.

[0124] The file parsing module parses the file sent by the corporate online banking client page processing module and sends the parsing results (deduction amount (ticket amount sold at the ticket agency on the same day), name and account number of the ticket agency deduction account, name and account number of the railway transportation department collection account, tripartite agreement number, etc.) to the automatic deduction module.

[0125] The automatic deduction module sends the parsed deduction data and scheduled deduction time to the bank host system for registration, and sets the host deduction thread to automatically start at the customer's scheduled time. After the thread automatically starts, it scans the host system registration information to deduct money. When deducting money, the parsed deduction account name and account number of the agency point, the railway transportation department's collection account name and account number, the three-party agreement number, etc. will be compared with the original customer account and agreement-related information of the bank host. If they are consistent, deductions will be made.

[0126] a. If the deduction is successful, a message of successful deduction will be sent to the railway transportation department's business operation platform, requiring the platform to update the status of the deduction instruction to "successful".

[0127] b. If the balance of the personal / corporate account being deducted is 0, a deduction failure message will be sent to the railway transportation department's business operation platform, and the platform will be required to update the deduction instruction status to "failed". At the same time, the amount to be deducted will be re-sent to the bank's host system for registration, and the host's supplementary deduction thread will be set to automatically start at the end of T+1 day;

[0128] c. If the balance is greater than 0 but less than the deduction amount, a partial deduction will be made, and a partial deduction message containing the actual deduction amount will be sent to the railway transportation department, requiring the platform to update the deduction instruction status to "partial deduction". At the same time, (deduction amount - actual deduction amount) will be re-sent to the bank host system for registration, and the host supplementary deduction thread will be set to automatically start at the end of T+1 day;

[0129] Note: In scenarios b and c, the automatic deduction program at the end of day T+1 cyclically applies the sequence and deduction logic of automatic deduction modules abc.

[0130] It can be seen that based on the automatic deduction method of the above-mentioned embodiment of the present invention, the financial system of the embodiment of the present invention can realize the online, automated and intelligent cash ticket collection mechanism of payers such as ticket sales outlets that need to regularly deduct payments, thereby greatly improving the management efficiency of capital turnover and ensuring the accuracy, security, high speed and high efficiency of fund transfer.

[0131] By making the cash ticket payment collection mechanism online, human resources are saved and processing efficiency is improved. It should be pointed out that although the current online payment penetration rate in my country is relatively high, there are still many offline settlement situations. For example, although the railway transportation department is spread all over the country, including many economically underdeveloped areas, there are many elderly customers who do not have smartphones in the customer base, so there are still a large number of cash transaction scenarios. With the help of the automatic deduction method of the above-mentioned embodiment of the present disclosure, labor costs can be greatly saved, the entire process of the cash ticket payment collection mechanism can be made online, and the processing efficiency of cash ticket settlement can be improved.

[0132] In addition, since the cash ticket payment collection mechanism can be automated, the time for automatic deduction and collection can be scheduled, and the existing part can be automatically deducted and the remaining part can be deducted when the balance is insufficient. By selecting the scheduled time for automatic collection, business flexibility is improved; there is an automatic deduction mechanism when the balance is insufficient, eliminating the tedious work of manual account verification, which not only increases accuracy but also improves user experience.

[0133] Moreover, the batch deduction files are encrypted with SM4 and bound to the U-shield of the financial personnel of the railway transportation department, and authenticated by signature and other authentication operations, making them tamper-proof and improving the security of the system.

[0134] Based on the above automatic deduction method applied to the financial system, the present disclosure also provides an automatic deduction device applied to the financial system. Figure 5 The device is described in detail.

[0135] Figure 5 The structural block diagram of the automatic deduction device 500 applied to the financial system according to the embodiment of the present disclosure is schematically shown.

[0136] like Figure 5 As shown, the automatic deduction device 500 applied to the financial system of this embodiment includes a file generation module 510, a file authentication module 520 and a deduction execution module 530.

[0137] The file generation module 510 is used to generate a current encrypted file corresponding to the current uploaded data sent by the payment collection platform. In one embodiment, the file generation module 510 can be used to perform the operation S201 described above, which will not be repeated here.

[0138] The file authentication module 520 is used to authenticate the current encrypted file in response to the deduction confirmation information of the payment collection platform. In one embodiment, the file authentication module 520 can be used to perform the operation S202 described above, which will not be repeated here.

[0139] The deduction execution module 530 is used to execute deductions to the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after authentication, wherein the deduction execution module 530 includes a deduction submodule 531, and the deduction submodule 531 is used to execute deductions corresponding to the current payment balance when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data. In one embodiment, the deduction execution module 530 can be used to execute the operation S203 described above, which will not be repeated here.

[0140] According to an embodiment of the present disclosure, any multiple modules among the file generation module 510, the file authentication module 520 and the deduction execution module 530 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the file generation module 510, the file authentication module 520 and the deduction execution module 530 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, at least one of the file generation module 510, the file authentication module 520 and the deduction execution module 530 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0141] Figure 6 A block diagram of an electronic device suitable for implementing an automatic deduction method applied to a financial system according to an embodiment of the present disclosure is schematically shown.

[0142] like Figure 6As shown, the electronic device 600 according to the embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 602 or the program loaded from the storage part 608 to the random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include an onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiment of the present disclosure.

[0143] In RAM 603, various programs and data required for the operation of electronic device 600 are stored. Processor 601, ROM 602 and RAM 603 are connected to each other via bus 604. Processor 601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 602 and / or RAM 603. It should be noted that the program can also be stored in one or more memories other than ROM 602 and RAM 603. Processor 601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0144] According to an embodiment of the present disclosure, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to the bus 604. The electronic device 600 may further include one or more of the following components connected to the I / O interface 605: an input portion 606 including a keyboard, a mouse, etc.; an output portion 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 608 including a hard disk, etc.; and a communication portion 609 including a network interface card such as a LAN card, a modem, etc. The communication portion 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage portion 608 as needed.

[0145] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0146] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above and / or one or more memories other than ROM 602 and RAM 603.

[0147] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiment of the present disclosure.

[0148] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 601. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0149] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0150] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the processor 601, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, apparatus, module, unit, etc. described above can be implemented by a computer program module.

[0151] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, Python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (e.g., using an Internet service provider to connect through the Internet).

[0152] The flow charts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the system, method and computer program product according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart, can be implemented by a dedicated hardware-based system that performs a specified function or operation, or can be implemented by a combination of dedicated hardware and computer instructions.

[0153] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0154] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. An automatic deduction method applied to a financial system, wherein: include: In response to obtaining the current uploaded data confirmed by the payment receiving platform and sent to the financial system, using the financial system to generate a current encrypted file corresponding to the current uploaded data, wherein the current uploaded data includes the current settlement data sent by the payment platform to the payment receiving platform; In response to obtaining the deduction confirmation information confirmed by the payment collection platform and sent to the financial system, using the financial system to perform authentication on the current encrypted file; and According to the deduction parsing data corresponding to the current encrypted file after the authentication, the financial system performs deduction on the payment platform corresponding to the payment platform, including: When the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction analysis data, deduction is performed corresponding to the current payment balance.

2. The method according to claim 1, wherein: The current encrypted file corresponding to the current uploaded data sent by the generating payment platform includes: Generating a batch deduction file of the currently uploaded data bound to the authentication identifier in the currently uploaded data according to the deduction agreement number in the currently uploaded data; The batch deduction file is encrypted to generate the current encrypted file.

3. The method according to claim 1, wherein: Before performing authentication on the current encrypted file in response to the deduction confirmation information of the payment collection platform, the method further includes: The current encrypted file is sent to the payment collection platform to obtain the deduction confirmation information sent by the payment collection platform according to the current encrypted file.

4. The method according to claim 1, wherein: In the step of authenticating the current encrypted file in response to the deduction confirmation information of the payment collection platform, the step includes: In response to the deduction confirmation information of the payment collection platform, matching the verification information sent by the payment collection platform; In response to a match of the verification information, the payment collection platform's payment collection authority is authenticated.

5. The method according to claim 4, wherein: In the response to the deduction confirmation information of the payment collection platform, matching the verification information sent by the payment collection platform includes: In response to the deduction confirmation information from the payment collection platform, push verification information to the payment collection platform; Receiving a verification mark generated according to the verification information and sent by the payment collection platform; The verification identifier is matched with the authentication identifier in the current encrypted file.

6. The method according to claim 4, wherein: In the step of authenticating the payment authority of the payment platform in response to the matching of the verification information, the step includes: In response to a match of the verification information, obtaining authentication information sent by the payment collection platform; The authentication information is verified to complete the authentication of the payment platform's payment authority.

7. The method according to claim 1, wherein: Before executing the deduction to the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after the authentication, the method further includes: Decrypting the current encrypted file to generate a current decrypted file corresponding to the current uploaded data; Parse the current decrypted file to generate the deduction parsing data.

8. The method according to claim 1, wherein: In the step of executing deductions to the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after the authentication, the step further includes: Registering the current deduction amount, scheduled deduction time and deduction execution information in the deduction analysis data; When the scheduled deduction time is met, the current deduction amount is deducted from the payment platform that matches the payment collection platform according to the deduction execution information.

9. The method according to claim 1, wherein: When the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction parsing data, after deduction is performed corresponding to the current payment balance, the method further includes: According to the current payment balance and the current deduction amount, the undeducted amount is registered and the scheduled deduction time is updated.

10. The method according to claim 1, wherein: In the step of executing deductions to the payment platform corresponding to the payment collection platform according to the deduction parsing data corresponding to the current encrypted file after the authentication, the step further includes: When the current payment balance in the payment account corresponding to the payment platform is greater than the current deduction amount corresponding to the deduction analysis data, deduction is performed corresponding to the current deduction amount.

11. An automatic deduction device for use in a financial system, wherein: include: A file generation module, configured to generate a current encrypted file corresponding to the current uploaded data using the financial system in response to obtaining the current uploaded data confirmed by the payment receiving platform and sent to the financial system, wherein the current uploaded data includes the current settlement data sent by the payment platform to the payment receiving platform; A file authentication module, configured to authenticate the current encrypted file using the financial system in response to the deduction confirmation information obtained from the payment collection platform and sent to the financial system; and A deduction execution module is used to execute deductions to the payment platform corresponding to the payment collection platform based on the financial system according to the deduction parsing data corresponding to the current encrypted file after the authentication, wherein the deduction execution module includes: The deduction submodule is used to perform deductions corresponding to the current payment balance when the current payment balance in the payment account corresponding to the payment platform is less than the current deduction amount corresponding to the deduction analysis data.

12. An electronic device comprising: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors execute the method according to any one of claims 1 to 10.

13. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 10.

14. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

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