Financial automatic payment method, computer program product and electronic device

Abstract

The invention provides a financial automatic payment method, a computer program product and electronic equipment. The method comprises the following steps: receiving a payment order sent by a financial system; the payment order is verified according to three elements, the three elements comprise payee information, payer information and accounting rules, the verification result comprises one of a first grade, a second grade and a third grade, the first grade represents that the payment order is complete, and the second grade represents that the payment order is incomplete and can be supplemented; the third grade represents that the payment order is unavailable; when the verification result is the first grade, payment is carried out according to the payment order; when the verification result is the second grade, the payment order is corrected, and payment is carried out according to the corrected payment order; and under the condition that the verification result is the third grade, performing order returning processing on the payment order. The problem that in the prior art, a financial side cannot obtain response information in time, so that the payment limit is occupied, and payment cannot be carried out in time is solved.

Description

Technical Field

[0001] The present application relates to the field of payment technology, and in particular to an automatic financial payment method, a computer-readable storage medium, a computer program product, and an electronic device. Background Art

[0002] The agency financial payment business refers to the agency financial payment business (for example, a bank) that advances its own funds from its internal account to the zero-balance account and pays the actual beneficiary after receiving the payment instruction from the financial unit. In the advance payment link, automatic payment is made after obtaining the financial payment instruction. At present, there are the following problems in automatic payment: the payment instruction sent by the finance is successfully signed by the agency bank and stored in the background database for automatic payment. After the automatic payment fails, the failure reason is manually checked. The payment order that failed due to the error of the original payment order is manually returned to the financial plan. In this way, the financial side cannot obtain the response information in time, which will cause the payment limit to be occupied and the payment cannot be made in time. Summary of the invention

[0003] The main purpose of this application is to provide a financial automatic payment method, a computer-readable storage medium, a computer program product and an electronic device, so as to at least solve the problem in the prior art that the financial side cannot obtain response information in time, resulting in the payment limit being occupied and the payment cannot be made in time.

[0004] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a financial automatic payment method is provided, comprising: receiving a payment order sent by a financial system; verifying the payment order according to three elements to obtain a verification result, the three elements including payee information, payer information and accounting rules, the verification result including one of a first level, a second level and a third level, the first level indicating that the payment order is complete, the second level indicating that the payment order is incomplete and can be supplemented, and the third level indicating that the payment order is unavailable; if the verification result is the first level, making payment according to the payment order; if the verification result is the second level, amending the payment order and making payment according to the amended payment order; if the verification result is the third level, returning the payment order.

[0005] Optionally, the verification result also includes a fourth level, and the fourth level indicates that the payment order needs to be manually verified. The method also includes: when the verification result is the fourth level, sending the payment order to a manual processing system, so that the manual processing system manually verifies the payment order.

[0006] Optionally, the payment order is modified, including: determining whether there is a target historical payment record in the successful payment record library, the target historical payment record is a historical payment record that represents a match with a target payee account, the target payee account is the payee account corresponding to the payment order, and the successful payment record library includes multiple historical payment records of successful payments; when the target historical payment record exists in the successful payment record library, the payment order is modified according to the target historical payment record.

[0007] Optionally, the payment order is modified according to the target historical payment record, including: determining whether the target historical payment record generates a refund; if the target historical payment record does not generate a refund, modifying the payment order according to the target historical payment record.

[0008] Optionally, the method also includes: in the event that a refund is generated based on the target historical payment record, determining whether the reason for the refund belongs to a first category of refund, the first category of refund representing a refund caused by incorrect payee information; in the event that the reason for the refund does not belong to the first category of refund, modifying the payment order based on the target historical payment record.

[0009] Optionally, the method further includes: when the target historical payment record does not exist in the successful payment record library, or when the refund reason belongs to the first category of refund, fuzzy matching is performed in a pre-stored bank name and bank number table according to the abbreviation of the receiving bank name corresponding to the payment order, the complete receiving bank name is determined, and the payment order is updated according to the complete receiving bank name; according to the account rules, whether the receiving account corresponding to the payment order belongs to an in-bank account is determined, the account rules represent the bank's management specifications and operating procedures for the account; when the receiving account belongs to the in-bank account, the account type of the receiving account is determined according to the in-bank account rules, the in-bank account rules represent a series of standards and criteria followed by the bank when managing, identifying and processing the bank's internal accounts; according to the account type, whether the status of the receiving account is a healthy state; when the status of the receiving account is not the healthy state, the receiving account is registered and an alarm signal is issued, the alarm signal represents that the receiving account is abnormal; when the status of the receiving account is the healthy state, the payment link is entered.

[0010] Optionally, making a payment according to the payment order includes: determining whether an automatic payment switch is turned on; when the automatic payment switch is turned on, making a payment according to a settlement method corresponding to the payment order; and storing the payment order of successful payment in the successful payment record library.

[0011] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute any one of the automatic financial payment methods.

[0012] According to another aspect of the present application, a computer program product is provided, comprising computer instructions, wherein when the computer instructions are executed by a processor, any one of the automatic financial payment methods is implemented.

[0013] According to another aspect of the present application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include means for executing any one of the automatic financial payment methods.

[0014] By applying the technical solution of the present application, the payment order sent by the financial system is first received, and then the payment order is verified according to the three elements to obtain the verification result. When the verification result is the first level, the payment is made according to the payment order. When the verification result is the second level, the payment order is corrected and the payment is made according to the corrected payment order. When the verification result is the third level, the payment order is returned. Compared with the problem in the prior art that the financial side cannot obtain response information in time, resulting in the payment quota being occupied and the inability to pay in time, the present application verifies the payment order according to the three elements, and when the verification result is the first level, the payment is made according to the payment order; when the verification result is the second level, the payment order is corrected, and the payment is made according to the corrected payment order; when the verification result is the third level, the payment order is returned, that is, different processing operations are performed according to the different levels of the verification results of the payment order, so as to solve the problem of delayed response of the information flow, ensure that the original data has problems and is discovered at the first time, the problematic data is not stored in the warehouse and storage space is not wasted, reduce the traffic resources occupied by the problematic data in the subsequent information flow, and give timely feedback to the finance without waiting until the payment is made after the successful receipt and storage. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] The drawings constituting part of the present application are used to provide a further understanding of the present application. The exemplary embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0016] Figure 1 A hardware structure block diagram of a mobile terminal for executing an automatic financial payment method provided in an embodiment of the present application is shown;

[0017] Figure 2 A flow chart of an automatic financial payment method provided according to an embodiment of the present application is shown.

[0018] The above drawings include the following reference numerals:

[0019] 102, processor; 104, memory; 106, transmission device; 108, input and output devices. DETAILED DESCRIPTION

[0020] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0021] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0022] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0023] As introduced in the background technology, in the prior art, the financial side cannot obtain response information in time, resulting in the payment limit being occupied and the payment cannot be made in time. To solve the above problem, the embodiments of the present application provide a financial automatic payment method, a financial automatic payment device, a storage medium, a processor and an electronic device.

[0024] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0025] The method embodiments provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Taking running on a mobile terminal as an example, Figure 1FIG. 1 is a hardware structure diagram of a mobile terminal of an automatic financial payment method according to an embodiment of the present invention. Figure 1 As shown, the mobile terminal may include one or more ( Figure 1 Only one is shown in the figure) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, wherein the mobile terminal may also include a transmission device 106 and an input / output device 108 for communication functions. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the mobile terminal. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0026] The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as the computer program corresponding to the financial automatic payment method in the embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, to implement the above method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories can be connected to the mobile terminal via a network. Examples of the above network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof. The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, referred to as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 may be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0027] In this embodiment, a financial automatic payment method running on a mobile terminal, a computer terminal or a similar computing device is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0028] Figure 2 FIG. 1 is a flow chart of the automatic financial payment method according to an embodiment of the present application. Figure 2 As shown, the method comprises the following steps:

[0029] Step S201, receiving a payment order sent by the financial system;

[0030] Step S202, verifying the payment order according to three elements to obtain a verification result, wherein the three elements include payee information, payer information and accounting rules, and the verification result includes one of the first level, the second level and the third level, wherein the first level indicates that the payment order is complete, the second level indicates that the payment order is incomplete and can be supplemented, and the third level indicates that the payment order is unusable;

[0031] Step S203, when the verification result is the first level, payment is made according to the payment order;

[0032] Step S204, when the verification result is the second level, the payment order is revised, and payment is made according to the revised payment order;

[0033] Step S205: When the verification result is the third level, the payment order is returned.

[0034] Through the above embodiment, the payment order sent by the financial system is first received, and then the payment order is verified according to the three elements to obtain the verification result. When the verification result is the first level, the payment is made according to the payment order. When the verification result is the second level, the payment order is corrected, and the payment is made according to the corrected payment order. When the verification result is the third level, the payment order is returned. Compared with the problem in the prior art that the financial side cannot obtain response information in time, resulting in the payment quota being occupied and the inability to pay in time, the present application verifies the payment order according to the three elements, and when the verification result is the first level, the payment is made according to the payment order; when the verification result is the second level, the payment order is corrected, and the payment is made according to the corrected payment order; when the verification result is the third level, the payment order is returned, that is, different processing operations are performed according to the different levels of the verification results of the payment order, so as to solve the problem of delayed response of the information flow, ensure that the original data has problems and is discovered at the first time, the problematic data is not stored in the warehouse and storage space is not wasted, reduce the traffic resources occupied by the problematic data in the subsequent information flow, and give timely feedback to the finance without waiting until the payment is made after the successful receipt and storage.

[0035] Specifically, the financial system sends a payment order to the agent bank. Specifically, the payment order is returned, which means that the wrong payment order is returned to the financial system.

[0036] Specifically, a complete payment order means that the payment information is complete, and an incomplete payment order means that the payment information is incomplete.

[0037] Specifically, for the classification of verification results, an adaptive threshold configuration can be added, that is, the payment order grades are automatically configured, and the corresponding classification thresholds can be adjusted as the business develops.

[0038] In an optional solution, the verification result further includes a fourth level, and the fourth level indicates that the payment order needs to be manually verified. The method further includes: when the verification result is the fourth level, sending the payment order to a manual processing system so that the manual processing system manually verifies the payment order. In this embodiment, when the verification result is the fourth level, the payment order is sent to a manual processing system so that the manual processing system manually verifies the payment order, which further ensures that the problem data is reduced in occupying traffic resources in subsequent information flows.

[0039] Specifically, the verification elements and grade classification are shown in Table 1:

[0040] Table 1

[0041]

[0042] In other embodiments, the payment order is modified, including: determining whether there is a target historical payment record in the successful payment record library, the target historical payment record is a historical payment record that represents a match with the target payee account, the target payee account is the payee account corresponding to the payment order, and the successful payment record library includes multiple historical payment records of successful payments; if the target historical payment record exists in the successful payment record library, the payment order is modified according to the target historical payment record. In this embodiment, the payment order is modified according to the historical payment record that matches the target payee account in the successful payment record library, which ensures a high efficiency in modifying incomplete payment information and a high fault tolerance rate.

[0043] In some other optional solutions, the payment order is modified according to the target historical payment record, including: determining whether the target historical payment record generates a refund; if the target historical payment record does not generate a refund, modifying the payment order according to the target historical payment record. In this embodiment, if the target historical payment record does not generate a refund, the payment order is modified according to the target historical payment record, ensuring that the modification of the payment order is more accurate.

[0044] Specifically, the incomplete payment order information is supplemented and corrected, mainly to verify and supplement the payee information (payee bank number, payee bank name, payee account institution), verify the payer information, obtain the settlement method, and obtain the accounting rules. These information are the conditions that must be filled in when making a payment, and only when the information is complete can the next automatic payment stage be entered.

[0045] In some further optional solutions, the method further includes: in the case where the above-mentioned target historical payment record generates a refund, determining whether the refund reason belongs to the first category of refund, the above-mentioned first category of refund represents a refund caused by the above-mentioned incorrect payee information; in the case where the above-mentioned refund reason does not belong to the above-mentioned first category of refund, the above-mentioned payment order is corrected according to the above-mentioned target historical payment record. In this embodiment, in the case where the refund reason does not belong to the first category of refund, the payment order is corrected according to the target historical payment record, which further ensures that the correction of the payment order is more accurate.

[0046] Specifically, compare historical data and match the successful payment record library according to the payee account number. If a match is found, check whether a refund has been generated for the payment. If no refund has been generated, reuse the payee information and settlement method of the historical data. If a refund has been generated, check whether the refund type is a first-class refund. If it is not a first-class refund, the historical data information can be reused. If it is a first-class refund, it cannot be reused.

[0047] Specifically, the present invention makes the following provisions: refund types are classified into the first category, the second category, the third category, and the fourth category. Refunds due to incorrect payee information, such as incorrect bank name and number, or incorrect payee account opening institution, belong to the first category; refunds due to payment failures caused by system reasons belong to the second category; refunds initiated by the payee belong to the third category; and other refunds belong to the fourth category. The current collection of existing refund issues is shown in Table 2:

[0048] Table 2

[0049]

[0050]

[0051] Specifically, when the business actively initiates a refund or the backend automatically refunds, the refund type is matched according to the payment failure reason and the refund reason, and the refund type is registered. Regarding the classification of refund types, the present invention is made configurable and can be expanded as the business develops.

[0052] In some exemplary embodiments, the method further includes: when the target historical payment record does not exist in the successful payment record library, or when the refund reason belongs to the first type of refund, fuzzy matching is performed in a pre-stored bank name and bank number table according to the abbreviation of the receiving bank name corresponding to the payment order, the complete receiving bank name is determined, and the payment order is updated according to the complete receiving bank name; according to the account rules, whether the receiving account corresponding to the payment order belongs to an in-bank account is determined according to the account rules, and the account rules represent the bank's management specifications and operating procedures for the account; when the receiving account belongs to the in-bank account, the account type of the receiving account is determined according to the in-bank account rules, and the in-bank account rules represent a series of standards and criteria followed by the bank when managing, identifying and processing the bank's internal accounts; according to the account type, whether the status of the receiving account is a healthy state; when the status of the receiving account is not the healthy state, the receiving account is registered and an alarm signal is issued, and the alarm signal represents that the receiving account is abnormal; when the status of the receiving account is the healthy state, the payment link is entered. In this embodiment, when the target historical payment record does not exist in the successful payment record library or the refund reason belongs to the first category of refund, a fuzzy match is performed in the bank name and number table based on the abbreviation of the receiving bank name corresponding to the payment order to determine the complete receiving bank name, and the payment order is updated based on the complete receiving bank name. Secondly, when the receiving account belongs to an in-bank account, the account type of the receiving account is determined according to the in-bank account rules, and based on the account type, it is determined whether the status of the receiving account is healthy. When it is not in the above-mentioned healthy state, the receiving account is registered and an alarm signal is issued. When it is in a healthy state, the payment link is entered, which further ensures that the correction of the payment order is more accurate and the correction efficiency is higher.

[0053] Specifically, if there is no match in the successful payment record library, it means that the payee of this payment is newly added, and the stage of actively supplementing the complete information is carried out. The supplementary information in this method includes: settlement method, payee information, payer information, accounting rules and other core elements of payment. First, the payee information is completed, and the exact bank name and number are fuzzy matched in the bank name and number table according to the abbreviation of the bank name of the recipient, and the matched data is updated to the payment order. Secondly, according to the account maintenance rules of this bank, the payment order is roughly classified into bank account and non-bank account. For bank account, the bank number is further classified into credit card account, company account, internal account, virtual account, cash, and savings account according to the bank account rules, and then the corresponding interface of each account is called to determine whether the account status is healthy. If it is normal, the next payment is made.

[0054] Specifically, when there is no target historical payment record in the successful payment record library, or when the reason for the refund belongs to the first category of refund, other algorithms can be used according to special business scenarios, such as historical data fitting scheme, EM (Expectation Maximization Algorithm) weighted estimation method, etc. to realize the payment success rate estimation.

[0055] In some other exemplary embodiments, making a payment according to the payment order includes: determining whether the automatic payment switch is turned on; when the automatic payment switch is turned on, making a payment according to the settlement method corresponding to the payment order; and storing the successful payment order in the successful payment record library. In this embodiment, when the automatic payment switch is turned on, making a payment according to the settlement method corresponding to the payment order, and storing the successful payment order in the successful payment record library further ensures that the payment efficiency is high.

[0056] Specifically, it is determined whether the automatic payment switch is turned on according to different dimensions. If it is turned on, different core interfaces are called to make payment according to the type of settlement method.

[0057] In order to enable those skilled in the art to more clearly understand the technical solution of the present application, the implementation process of the automatic financial payment method of the present application will be described in detail below in conjunction with specific embodiments.

[0058] This embodiment relates to a specific financial automatic payment method, including the following steps:

[0059] Step S1: receiving the payment order sent by the financial system;

[0060] Step S2: Verify the payment order according to three elements to obtain a verification result. The three elements include payee information, payer information and accounting rules. The verification result includes one of the first level, the second level, the third level and the fourth level. The first level indicates that the payment order is complete, the second level indicates that the payment order is incomplete and can be supplemented, the third level indicates that the payment order is unusable, and the fourth level indicates that the payment order needs to be manually verified;

[0061] Step S3: If the verification result is the first level, payment is made according to the payment order;

[0062] Step S4: when the verification result is the second level, determine whether there is a target historical payment record in the successful payment record library, the target historical payment record is a historical payment record that represents a match with the target payee account number, the target payee account number is the payee account number corresponding to the payment order, and the successful payment record library includes multiple historical payment records of successful payments;

[0063] Step S5: if there is a target historical payment record in the successful payment record library, determine whether the target historical payment record generates a refund;

[0064] Step S6: if the target historical payment record does not generate a refund, the payment order is modified according to the target historical payment record;

[0065] Step S7: if a refund is generated in the target historical payment record, determine whether the refund reason belongs to the first category of refund. If the refund reason does not belong to the first category of refund, modify the payment order according to the target historical payment record. The first category of refund represents a refund caused by incorrect payee information.

[0066] Step S8: In the case that the target historical payment record does not exist in the successful payment record library, or in the case that the refund reason belongs to the first category of refund, according to the abbreviation of the beneficiary bank name corresponding to the payment order, fuzzy matching is performed in the pre-stored bank name and number table to determine the complete beneficiary bank name, and the payment order is updated according to the complete beneficiary bank name; according to the account rules, determine whether the beneficiary account number corresponding to the payment order belongs to an internal account of the bank, and the account rules represent the bank's management specifications and operating procedures for the account; in the case that the beneficiary account number belongs to an internal account of the bank, determine the account type of the beneficiary account according to the internal account rules, and the internal account rules represent a series of standards and criteria followed by the bank when managing, identifying and processing the internal accounts of the bank; according to the account type, determine whether the status of the beneficiary account number is healthy; in the case that the status of the beneficiary account is not healthy, register the beneficiary account and issue an alarm signal, and the alarm signal indicates that the beneficiary account has an abnormality; in the case that the status of the beneficiary account is healthy, enter the payment link;

[0067] Step S9: When the verification result is the fourth level, the payment order is sent to the manual processing system so that the manual processing system manually verifies the payment order; when the verification result is the third level, the payment order is returned.

[0068] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0069] An embodiment of the present invention provides a computer-readable storage medium, which includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute the automatic financial payment method.

[0070] Specifically, the financial automatic payment methods include:

[0071] Step S201, receiving a payment order sent by the financial system;

[0072] Step S202, verifying the payment order according to three elements to obtain a verification result, wherein the three elements include payee information, payer information and accounting rules, and the verification result includes one of the first level, the second level and the third level, wherein the first level indicates that the payment order is complete, the second level indicates that the payment order is incomplete and can be supplemented, and the third level indicates that the payment order is unusable;

[0073] Step S203, when the verification result is the first level, payment is made according to the payment order;

[0074] Step S204, when the verification result is the second level, the payment order is revised, and payment is made according to the revised payment order;

[0075] Step S205: When the verification result is the third level, the payment order is returned.

[0076] Optionally, the above-mentioned verification result also includes a fourth level, and the above-mentioned fourth level indicates that the above-mentioned payment order needs to be manually verified. The above-mentioned method also includes: when the above-mentioned verification result is the above-mentioned fourth level, the above-mentioned payment order is sent to a manual processing system, so that the above-mentioned manual processing system manually verifies the above-mentioned payment order.

[0077] Optionally, the payment order is modified, including: determining whether there is a target historical payment record in the successful payment record library, the target historical payment record is a historical payment record that represents a match with the target payee account, the target payee account is the payee account corresponding to the payment order, and the successful payment record library includes multiple historical payment records of successful payments; in the case that the target historical payment record exists in the successful payment record library, the payment order is modified according to the target historical payment record.

[0078] Optionally, the payment order is modified according to the target historical payment record, including: determining whether the target historical payment record generates a refund; if the target historical payment record does not generate a refund, modifying the payment order according to the target historical payment record.

[0079] Optionally, the method further includes: in the event that a refund is generated based on the target historical payment record, determining whether the reason for the refund belongs to a first category of refund, the first category of refund representing a refund caused by incorrect payee information; in the event that the reason for the refund does not belong to the first category of refund, modifying the payment order based on the target historical payment record.

[0080] Optionally, the method further includes: when the target historical payment record does not exist in the successful payment record library, or when the refund reason belongs to the first type of refund, fuzzy matching is performed in a pre-stored bank name and bank number table according to the abbreviation of the receiving bank name corresponding to the payment order, the complete receiving bank name is determined, and the payment order is updated according to the complete receiving bank name; according to the account rules, whether the receiving account corresponding to the payment order belongs to an in-bank account is determined, and the account rules represent the bank's management specifications and operating procedures for the account; when the receiving account belongs to the in-bank account, the account type of the receiving account is determined according to the in-bank account rules, and the in-bank account rules represent a series of standards and criteria followed by the bank when managing, identifying and processing the bank's internal accounts; according to the account type, whether the status of the receiving account is a healthy state; when the status of the receiving account is not the healthy state, the receiving account is registered and an alarm signal is issued, and the alarm signal represents that the receiving account is abnormal; when the status of the receiving account is the healthy state, the payment link is entered.

[0081] Optionally, making a payment according to the payment order includes: determining whether the automatic payment switch is turned on; when the automatic payment switch is turned on, making a payment according to the settlement method corresponding to the payment order; and storing the successful payment order in the successful payment record library.

[0082] The present application also provides a computer program product, including computer instructions, which, when executed by a processor, implement at least the following method steps: step S201, receiving a payment order sent by a financial system; step S202, verifying the payment order according to three elements to obtain a verification result, the three elements including payee information, payer information and accounting rules, the verification result including one of a first level, a second level and a third level, the first level indicating that the payment order is complete, the second level indicating that the payment order is incomplete and can be supplemented, and the third level indicating that the payment order is unavailable; step S203, in the case where the verification result is the first level, making payment according to the payment order; step S204, in the case where the verification result is the second level, amending the payment order and making payment according to the amended payment order; step S205, in the case where the verification result is the third level, performing a return process on the payment order.

[0083] Optionally, the above-mentioned verification result also includes a fourth level, and the above-mentioned fourth level indicates that the above-mentioned payment order needs to be manually verified. The above-mentioned method also includes: when the above-mentioned verification result is the above-mentioned fourth level, the above-mentioned payment order is sent to a manual processing system, so that the above-mentioned manual processing system manually verifies the above-mentioned payment order.

[0084] Optionally, the payment order is modified, including: determining whether there is a target historical payment record in the successful payment record library, the target historical payment record is a historical payment record that represents a match with the target payee account, the target payee account is the payee account corresponding to the payment order, and the successful payment record library includes multiple historical payment records of successful payments; in the case that the target historical payment record exists in the successful payment record library, the payment order is modified according to the target historical payment record.

[0085] Optionally, the payment order is modified according to the target historical payment record, including: determining whether the target historical payment record generates a refund; if the target historical payment record does not generate a refund, modifying the payment order according to the target historical payment record.

[0086] Optionally, the method further includes: in the event that a refund is generated based on the target historical payment record, determining whether the reason for the refund belongs to a first category of refund, the first category of refund representing a refund caused by incorrect payee information; in the event that the reason for the refund does not belong to the first category of refund, modifying the payment order based on the target historical payment record.

[0087] Optionally, the method further includes: when the target historical payment record does not exist in the successful payment record library, or when the refund reason belongs to the first type of refund, fuzzy matching is performed in a pre-stored bank name and bank number table according to the abbreviation of the receiving bank name corresponding to the payment order, the complete receiving bank name is determined, and the payment order is updated according to the complete receiving bank name; according to the account rules, whether the receiving account corresponding to the payment order belongs to an in-bank account is determined, and the account rules represent the bank's management specifications and operating procedures for the account; when the receiving account belongs to the in-bank account, the account type of the receiving account is determined according to the in-bank account rules, and the in-bank account rules represent a series of standards and criteria followed by the bank when managing, identifying and processing the bank's internal accounts; according to the account type, whether the status of the receiving account is a healthy state; when the status of the receiving account is not the healthy state, the receiving account is registered and an alarm signal is issued, and the alarm signal represents that the receiving account is abnormal; when the status of the receiving account is the healthy state, the payment link is entered.

[0088] Optionally, making a payment according to the payment order includes: determining whether the automatic payment switch is turned on; when the automatic payment switch is turned on, making a payment according to the settlement method corresponding to the payment order; and storing the successful payment order in the successful payment record library.

[0089] An embodiment of the present application also provides an electronic device, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include means for executing any one of the above-mentioned automatic financial payment methods.

[0090] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0091] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0092] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0093] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0094] 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 executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0095] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0096] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0097] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0098] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0099] From the above description, it can be seen that the above embodiments of the present application achieve the following technical effects:

[0100] In the financial automatic payment method of the present application, the payment order sent by the financial system is first received, and then the payment order is verified according to three elements to obtain the verification result. When the verification result is the first level, the payment is made according to the payment order. When the verification result is the second level, the payment order is corrected and the payment is made according to the corrected payment order. When the verification result is the third level, the payment order is returned. Compared with the problem in the prior art that the financial side cannot obtain response information in time, resulting in the payment quota being occupied and the inability to pay in time, the present application verifies the payment order according to the three elements, and when the verification result is the first level, the payment is made according to the payment order; when the verification result is the second level, the payment order is corrected, and the payment is made according to the corrected payment order; when the verification result is the third level, the payment order is returned, that is, different processing operations are performed according to the different levels of the verification results of the payment order, so as to solve the problem of delayed response of the information flow, ensure that the original data has problems and is discovered at the first time, the problematic data is not stored in the warehouse and storage space is not wasted, reduce the traffic resources occupied by the problematic data in the subsequent information flow, and give timely feedback to the finance without waiting until the payment is made after the successful receipt and storage.

[0101] The above description is only the preferred embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A financial automatic payment method, characterized in that: include: Receive payment orders sent by the financial system; Verify the payment order according to three elements to obtain a verification result, wherein the three elements include payee information, payer information, and accounting rules, and the verification result includes one of a first level, a second level, and a third level, wherein the first level indicates that the payment order is complete, the second level indicates that the payment order is incomplete and can be supplemented, and the third level indicates that the payment order is unusable; When the verification result is the first level, making payment according to the payment order; If the verification result is the second level, the payment order is amended, and payment is made according to the amended payment order; When the verification result is the third level, the payment order is returned.

2. The automatic financial payment method according to claim 1, characterized in that: The verification result further includes a fourth level, wherein the fourth level indicates that the payment order needs to be manually verified, and the method further includes: When the verification result is the fourth level, the payment order is sent to a manual processing system so that the manual processing system manually verifies the payment order.

3. The automatic financial payment method according to claim 1, characterized in that: amend the payment order to include: Determine whether there is a target historical payment record in the successful payment record library, the target historical payment record is a historical payment record that represents a match with a target payee account, the target payee account is a payee account corresponding to the payment order, and the successful payment record library includes multiple historical payment records of successful payments; In the case where the target historical payment record exists in the successful payment record library, the payment order is modified according to the target historical payment record.

4. The automatic financial payment method according to claim 3, characterized in that: According to the target historical payment record, the payment order is modified, including: Determining whether the target historical payment record generates a refund; In the event that the target historical payment record does not generate a refund, the payment order is modified according to the target historical payment record.

5. The automatic financial payment method according to claim 4, characterized in that: The method further comprises: In the case where a refund is generated in the target historical payment record, determining whether the refund reason belongs to a first type of refund, where the first type of refund represents a refund caused by incorrect payee information; When the reason for the refund does not belong to the first category of refund, the payment order is modified according to the target historical payment record.

6. The automatic financial payment method according to claim 5, characterized in that: The method further comprises: In the case that the target historical payment record does not exist in the successful payment record library, or in the case that the refund reason belongs to the first type of refund, a fuzzy match is performed in a pre-stored bank name and bank number table according to the abbreviation of the beneficiary bank name corresponding to the payment order to determine the complete beneficiary bank name, and the payment order is updated according to the complete beneficiary bank name; Determine whether the receiving account corresponding to the payment order belongs to an internal account of the bank according to the account rules, wherein the account rules represent the bank's management specifications and operation procedures for the account; In the case where the receiving account belongs to the bank's internal account, the account type of the receiving account is determined according to the bank's internal account rules, wherein the bank's internal account rules represent a series of standards and criteria followed by the bank when managing, identifying and processing the bank's internal accounts; Determining whether the status of the payment receiving account is healthy according to the account type; When the state of the payment receiving account is not the healthy state, registering the payment receiving account and issuing an alarm signal, wherein the alarm signal indicates that an abnormality has occurred in the payment receiving account; When the status of the receiving account is the healthy status, the payment phase is entered.

7. The automatic financial payment method according to claim 3, characterized in that: According to the payment order, make payment, including: Determine whether the automatic payment switch is turned on; When the automatic payment switch is turned on, payment is made according to the settlement method corresponding to the payment order; The payment order of successful payment is stored in the successful payment record library.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute the automatic financial payment method according to any one of claims 1 to 7.

9. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the automatic financial payment method described in any one of claims 1 to 7 is implemented.

10. An electronic device, characterized in that: include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include means for executing the automatic financial payment method described in any one of claims 1 to 7.

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