Reimbursement method and device, equipment and medium

Abstract

The invention provides a reimbursement method and device, equipment and a medium, and relates to the technical field of big data and internet finance. The method comprises the steps that a public credit card is used for conducting real-time payment on payment requests of multiple users authorized to use the public credit card, payment details of each real-time payment are recorded, and each payment detail comprises user information requesting payment and transaction details; wherein the repayment account of the public credit card is configured to comprise respective personal accounts of a plurality of users and a reimbursement account; when repayment is carried out on the public credit card, the payment details meeting the reimbursement condition are screened out from all the payment details in the current repayment period according to the transaction details; repayment is carried out on the amount of money in the payment details meeting the reimbursement conditions by using the reimbursement account; and repayment is carried out on the amount of money in other payment details except the payment details meeting the reimbursement conditions by using the personal account corresponding to the user information in each other payment detail.

Description

Technical Field

[0001] The present disclosure relates to the field of big data technology and can be used in the field of financial technology. More specifically, it relates to a reimbursement method, device, equipment, medium and program product. Background Art

[0002] Overtime or travel reimbursement for employees of enterprises and other organizations is a very common work scenario in financial work. In the traditional reimbursement business process, the staff must first advance funds and obtain reimbursement vouchers. When the company's unified reimbursement time window arrives, the employees will summarize the reimbursement expenses and vouchers and submit them to the financial staff. The financial staff will verify the actual purpose, amount, and authenticity of the reimbursement vouchers, and reimburse after verification.

[0003] This process involves multiple processes such as fund advance payment, voucher transfer, voucher verification, and fund disbursement. There are many pain points, such as long fund advance payment cycle, complex voucher custody and transfer, and voucher verification taking up working time. Summary of the invention

[0004] In view of the above problems, the embodiments of the present disclosure provide a reimbursement method, apparatus, device, medium and program product that can avoid users from paying funds in advance.

[0005] The first aspect of the disclosed embodiment provides a reimbursement method. The reimbursement method includes: using a public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, and recording the payment details of each real-time payment, each payment detail including the user information and transaction details of the requested payment; wherein the repayment account of the public credit card is configured to include the personal accounts of the multiple users and a reimbursement account; when repaying the public credit card, from all payment details in the current repayment cycle, the payment details that meet the reimbursement conditions are screened according to the transaction details; the reimbursement account is used to repay the amount in the payment details that meet the reimbursement conditions; and the amount in other payment details other than the payment details that meet the reimbursement conditions in the current repayment cycle is repaid using the personal account corresponding to the user information in each other payment detail.

[0006] According to an embodiment of the present disclosure, when the payment request is an accommodation payment request, the transaction information includes hotel check-in information, check-in period and accommodation amount; when the payment request is a dining payment request, the transaction information includes the number of diners, dining time, dining location and dining amount; when the payment request is a taxi payment request, the transaction information includes itinerary information and taxi fare.

[0007] According to an embodiment of the present disclosure, when the payment request is a taxi payment request, before screening out payment details that meet the reimbursement conditions based on the transaction details, the method also includes: when a taxi platform providing taxi services agrees to share the itinerary, upon obtaining user authorization, synchronizing the itinerary information from the taxi platform based on the taxi payment request.

[0008] According to an embodiment of the present disclosure, when the payment request is a taxi payment request, before screening out payment details that meet the reimbursement conditions based on the transaction details, the method also includes: when a user uses a taxi platform mini program in mobile banking to hail a taxi and initiates the taxi payment request, upon obtaining user authorization, obtaining the trip information based on the user's behavior record of using the taxi platform mini program.

[0009] According to an embodiment of the present disclosure, in the case of obtaining user authorization, obtaining the trip information based on the user's behavior record of using the taxi-hailing platform mini program includes: using mobile banking to collect the location information and time information of the terminal device running the mobile banking at the time of initiating the payment request, and obtaining the location information and time information of the ride end point; using the mobile banking to collect the location information and time information of the terminal device each time the taxi-hailing platform mini program is opened within a predetermined time period before the time of initiating the payment request, and obtaining the location information and time information of at least one estimated ride starting point; and when at least one estimated ride starting point includes only one estimated ride starting point, obtaining the trip information based on the location information and time information of the estimated ride starting point and the ride end point.

[0010] According to an embodiment of the present disclosure, when obtaining user authorization, the trip information is obtained based on the user's behavior record of using the taxi platform mini program, including: when at least one estimated ride starting point includes multiple estimated ride starting points, based on the location information and time information of the ride destination, and the location information and time information of each estimated ride starting point, the estimated fare information from each estimated ride starting point to the ride destination is calculated; from the multiple estimated ride starting points, the estimated ride starting point whose estimated fare information is closest to the taxi fare in the payment request is selected as the final determined ride starting point; and the trip information is obtained based on the location information and time information of the final determined ride starting point and the ride destination.

[0011] According to an embodiment of the present disclosure, the predetermined time period is set to: the smaller of: n hours before the moment the payment request is received, and the period from the moment the last ride end point to the moment the payment request is received, where n is greater than zero.

[0012] According to an embodiment of the present disclosure, when the payment request is a taxi payment request, the reimbursement conditions include regular fare reimbursement conditions and occasional fare reimbursement conditions; wherein, when repaying the public credit card, from all payment details in the current repayment period, screening out payment details that meet the reimbursement conditions according to the transaction details includes: screening payment details that meet the regular fare reimbursement conditions by comparing the transaction details in the payment details with the regular fare reimbursement conditions; and screening payment details that meet the occasional fare reimbursement conditions by comparing the transaction details and travel voucher information in the payment details with the occasional fare reimbursement conditions.

[0013] According to an embodiment of the present disclosure, the screening of payment details that meet the occasional fare reimbursement conditions by comparing the transaction details and travel voucher information in the payment details with the occasional fare reimbursement conditions includes: obtaining the travel voucher information corresponding to the user information in a payment detail; and sending the payment details and the travel voucher information for manual review, wherein the payment details that pass the manual review are the payment details that meet the occasional fare reimbursement conditions, and the payment details that fail the manual review are the payment details that do not meet the occasional fare reimbursement conditions.

[0014] According to an embodiment of the present disclosure, when repaying the public credit card, selecting payment details that meet the reimbursement conditions from all payment details in the current repayment period according to the transaction details includes: selecting payment details that meet the regular fare reimbursement conditions from all payment details in the current repayment period; and selecting payment details that meet the occasional fare reimbursement conditions from all payment details in the current repayment period except the payment details that meet the regular fare reimbursement conditions; wherein, the payment details that meet the regular fare reimbursement conditions and the payment details that meet the occasional fare reimbursement conditions all belong to the payment details that meet the reimbursement conditions.

[0015] According to an embodiment of the present disclosure, before using the public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, the method also includes: setting a repayment relationship between the public credit card and the reimbursement account; based on the registration applications of the multiple users, authorizing multiple users to use the public credit card, and setting a repayment relationship between the multiple users' respective personal accounts and the public credit card.

[0016] According to a second aspect of the disclosed embodiment, a reimbursement device is provided. The device includes a fee payment module, a reimbursement judgment module, and a reimbursement account processing module. The fee payment module is used to use a public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, and record the payment details of each real-time payment, each payment detail including user information and transaction details of the requested payment; wherein the repayment account of the public credit card is configured to include the personal accounts of the multiple users and a reimbursement account. The reimbursement judgment module is used to filter out payment details that meet the reimbursement conditions from all payment details in the current repayment period according to the transaction details when repaying the public credit card. The reimbursement account processing module is used to: use the reimbursement account to repay the amount in the payment details that meet the reimbursement conditions; and use the personal account corresponding to the user information in each other payment detail to repay the amount in other payment details other than the payment details that meet the reimbursement conditions in the current repayment period.

[0017] According to an embodiment of the present disclosure, the device may further include a vehicle trip collection module. The vehicle trip collection module is used to: when the payment request is a taxi payment request, before screening out payment details that meet the reimbursement conditions according to the transaction details, if the taxi platform providing the taxi service agrees to share the trip, synchronize the trip information from the taxi platform based on the taxi payment request.

[0018] According to an embodiment of the present disclosure, the car trip collection module is also used for: when a user uses the taxi platform mini program in the mobile banking to take a taxi and initiates the taxi payment request, the trip information is obtained based on the user's behavior record of using the taxi platform mini program after obtaining the user's authorization.

[0019] In a third aspect of the embodiments of the present disclosure, an electronic device is provided. The electronic device includes one or more processors and a memory. The memory is used to store 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 reimbursement method.

[0020] The fourth aspect of the embodiments 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 reimbursement method.

[0021] The fifth aspect of the embodiments of the present disclosure also provides a computer program product, including a computer program, which implements the above-mentioned reimbursement method when executed by a processor.

[0022] One or more of the above-mentioned embodiments have the following advantages or beneficial effects: supporting multiple users to use a public credit card to pay fees, and directly using a reimbursement account (such as a corporate account) to reimburse the payment amount that meets the reimbursement conditions when repaying the public credit card, and using the user's personal account to repay other payment amounts, thereby avoiding the problem of users and companies making advance payments. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] 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:

[0024] Figure 1 A schematic diagram showing an application scenario of a reimbursement method, apparatus, device, medium, and program product according to an embodiment of the present disclosure;

[0025] Figure 2 A flowchart of a reimbursement method according to an embodiment of the present disclosure is schematically shown;

[0026] Figure 3 A flowchart schematically shows the reimbursement method of the embodiment of the present disclosure applied to vehicle fare reimbursement;

[0027] Figure 4 A schematic diagram schematically shows the relationship between a public credit card, a repayment account and a taxi-hailing platform in a fare reimbursement scenario in an embodiment of the present disclosure;

[0028] Figure 5 A flowchart of fare reimbursement in another embodiment of the present disclosure is schematically shown;

[0029] Figure 6 A flowchart schematically shows a method of collecting travel information during fare reimbursement in one embodiment of the present disclosure;

[0030] Figure 7 A flowchart of determining fare reimbursement during fare reimbursement in an embodiment of the present disclosure is schematically shown;

[0031] Figure 8 A block diagram of a reimbursement device according to an embodiment of the present disclosure is schematically shown;

[0032] Fig. 9 Schematically shows Figure 8 The workflow diagram of the reimbursement device shown when used for fare reimbursement; and

[0033] Fig.10 A block diagram of an electronic device suitable for implementing the reimbursement method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0034] 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.

[0035] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", 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.

[0036] 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.

[0037] 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.).

[0038] The disclosed embodiments provide a reimbursement method, device, equipment, medium and program product based on a public credit card. The disclosed embodiments open a public credit card for an organization such as an enterprise, support the staff of the organization to use the public credit card to pay expenses, and directly use the reimbursement account (such as the enterprise account) to reimburse and repay the payment amount that meets the reimbursement conditions when repaying the public credit card, and use the staff's personal account to repay other payment amounts, thereby solving the problems of fund advance payment and voucher transmission pain points.

[0039] In the technical solution of the present invention, the user information involved (including but not limited to user personal information, account information, user device information, such as location information, itinerary information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0040] Figure 1 The application scenario diagram of the reimbursement method, apparatus, device, medium and program product according to the embodiments of the present disclosure is schematically shown.

[0041] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a terminal device 101, a network 102, a platform backend server 103, and a bank backend server 104. The network 102 is a medium for providing a communication link between the terminal device 101, the platform backend server 103, and the bank backend server 104. The network 102 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0042] Various communication client applications may be installed on the terminal device 101, such as a taxi-hailing platform client application, a mobile banking client application, a hotel service client application, a web browser application, etc. (for example only).

[0043] The user can use the terminal device 101 to interact with the platform backend server 103 through the network 102 to obtain various services provided by the platform backend server 103, such as taxi services or hotel accommodation services.

[0044] For example, the user can operate in the platform client application (e.g., taxi-hailing platform) in the terminal device 101, send a service acquisition request to the platform backend server 103, and the platform backend server 103 provides the corresponding service to the user. For another example, various platform applets can be integrated in the mobile banking client application, and the user can call the platform applet in the mobile banking client application in the terminal device 101 to operate, send a service acquisition request to the platform backend server 103 through information forwarding between the bank backend server 104 and the platform backend server 103, and the platform backend server 103 provides the corresponding service to the user.

[0045] When a user pays for a service provided by the platform backend server 103, the platform backend server 103 may initiate a payment request to the bank backend server 104 via the network 102. The bank backend server 104 may make a real-time payment from the account specified in the payment request (e.g., a public credit card) according to the amount in the payment request.

[0046] In the application scenario 100, the reimbursement method provided in the embodiment of the present disclosure may be executed by the bank backend server 104. Accordingly, the reimbursement device provided in the embodiment of the present disclosure may be arranged in the bank backend server 104. 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 implementation requirements.

[0047] Figure 2 The flowchart of the reimbursement method according to the embodiment of the present disclosure is schematically shown.

[0048] like Figure 2 As shown, the reimbursement method may include operations S210 to S232 , wherein the method may be executed by the bank backend server 104 .

[0049] First, in operation S210, a public credit card is used to make real-time payments for payment requests initiated by multiple users who are authorized to use the public credit card, and the payment details of each real-time payment are recorded. Each payment detail includes user information requesting payment and transaction details.

[0050] The repayment account of the above-mentioned public credit card is configured to include personal accounts of multiple users and a reimbursement account. Specifically, before the public credit card is used, the bank can open a public credit card account for its corporate customers and set up a repayment relationship between the public credit card and the corporate reimbursement account (for example, corporate account). At the same time, based on the registration applications of multiple users such as corporate employees, multiple users can be authorized to use the public credit card, and the repayment relationship between the personal accounts of multiple users and the public credit card can be set.

[0051] Each payment detail includes the user information requesting payment and transaction details, which are used to record the actual user and specific purpose of each payment. Among them, the actual user of each payment can be determined based on the user information. The transaction details can record the time, amount, transaction-related information, etc. of each payment. In one embodiment, the information in the transaction details can first record some primary key information, such as order number, itinerary number, payment number, etc., when the real-time payment is completed, and then the information can be completed based on these primary key information at a specific time (such as a low business peak period).

[0052] Then in operation S220, when repaying the public credit card, the payment details that meet the reimbursement conditions are screened out from all payment details in the current repayment period according to the transaction details.

[0053] Next, in operation S231, the reimbursement account is used to repay the amount in the payment details that meets the reimbursement conditions.

[0054] And in operation S232, for the amount in the payment details that do not meet the reimbursement conditions (if any, referred to herein as "other payment details"), repayment is made using the personal account corresponding to the user information in each other payment detail.

[0055] The reimbursement method of the disclosed embodiment can be used for reimbursement of car fare, hotel accommodation or catering. When used for reimbursement of car fare, the payment request for real-time settlement is a taxi payment request, and the corresponding transaction information may include itinerary information and taxi fare. Then, it can be determined whether it can be reimbursed based on the itinerary information (such as the starting and ending locations and starting and ending times of the ride) and whether the fare is within the reimbursement range. When used for hotel reimbursement, the payment request for real-time settlement is an accommodation payment request, and the corresponding transaction information may include information such as hotel check-in information, check-in period and accommodation amount. When reimbursement is made, it is screened according to information such as whether the hotel is a cooperative hotel and whether the daily accommodation fee is within the required range. When used for catering reimbursement, the payment request for real-time settlement is a catering payment request, and the corresponding transaction information includes information such as the number of diners, dining time, dining location and dining amount. When reimbursement is made, it can be screened according to limits such as per capita dining expenses.

[0056] For each reimbursement scenario, you can set corresponding reimbursement conditions. Then, by comparing transaction details and other information with the information in each dimension of the reimbursement conditions, you can filter the payment details. Figure 3 to Figure 7 The specific implementation of the reimbursement method and the setting of reimbursement conditions of the embodiment of the present disclosure are described in detail.

[0057] Figure 3 The flowchart schematically shows the application of the reimbursement method of the embodiment of the present disclosure to the reimbursement of vehicle fares.

[0058] like Figure 3 As shown, the implementation process of the reimbursement method of the embodiment of the present disclosure when applied to fare reimbursement may include operations S301 to S305.

[0059] First, in operation S301, the bank establishes a three-party relationship between the public credit card ACCOUNTB, the reimbursement account ACCOUNTC, and the personal accounts ACCOUNTP of multiple users (such as corporate employees). For details, see Figure 4 .in, Figure 4The diagram schematically shows the relationship between a public credit card, a repayment account and a taxi-hailing platform in a fare reimbursement scenario of an embodiment of the present disclosure.

[0060] Combination Figure 4 , the bank can open a public credit card account ACCOUNTB for its corporate customers, and the public credit card can be provided to any employee of the enterprise. At the same time, the repayment relationship between the public credit card ACCOUNTB and the reimbursement account ACCOUNTC (for example, the corporate account) can be established through the corporate online banking; at the same time, the repayment relationship between the public credit card ACCOUNTB and the personal account ACCOUNTP of the corporate employee can be established through the personal mobile banking.

[0061] Next, in operation S302, when corporate employees take a taxi, they can use the public credit card ACCOUNTB to make real-time payments, and record the payment details of each real-time payment accordingly (including but not limited to the employee information and transaction details of the payment). For example, when employee A uses the public credit card ACCOUNTB to pay for the taxi fare, the information such as "ACCOUNTB account + taxi fare + A employee identity information + advance payment time + itinerary information (such as taxi itinerary number, etc.)" can be registered in the FAREDTL table accordingly. Among them, the itinerary information of the taxi (such as the location information and time information of the starting point and the end point of the ride) can be queried according to the taxi itinerary number.

[0062] In one embodiment, the employees of the enterprise can bind the public credit card ACCOUNTB in the taxi-hailing platform client application they use. In this way, when the employees of the enterprise take a taxi through the taxi-hailing platform client application, they can use the public credit card ACCOUNTB to pay the taxi fare when settling the taxi fare.

[0063] In another embodiment, when one or more taxi-hailing platform mini-programs can be integrated into the mobile banking client, the employees of the enterprise can add the public credit card ACCOUNTB in the mobile banking client application they use. In this way, when the employees of the enterprise use the mobile banking client application to open the taxi-hailing platform mini-program to take a taxi, they can select the public credit card ACCOUNTB from the mobile banking client application to pay the fare.

[0064] Among them Figure 4 As shown, the available taxi-hailing platforms may be any third-party taxi-hailing platforms, such as taxi-hailing platform a, taxi-hailing platform b, ..., and taxi-hailing platform x.

[0065] When the public credit card ACCOUNTB is used for repayment, in operation S303, a reimbursement determination system is used to determine whether each taxi fare meets the reimbursement conditions.

[0066] If the reimbursement conditions are met, in operation S304, the reimbursement account ACCOUNTC repays the outstanding balance in the public credit card ACCOUNTB.

[0067] If the reimbursement conditions are not met, in operation S305, the employee's personal account ACCOUNTP is used to repay the outstanding balance in the public credit card ACCOUNTB.

[0068] It can be seen that after the disclosed embodiment has established the relationship between the enterprise's public credit card ACCOUNTB, the reimbursement account ACCOUNTC and the personal account ACCOUNTP of the enterprise employee, the enterprise employee can use the public credit card ACCOUNTB to pay for the fare. When the public credit card ACCOUNTB repayment date comes, according to whether the payment details within the repayment period meet the reimbursement conditions, choose to repay from the reimbursement account ACCOUNTC, or clear funds from the employee's personal account ACCOUNTP, thereby solving problems such as fund advance payment and voucher transmission.

[0069] The disclosed embodiment, through the method of public credit card, fundamentally eliminates the advance payment behavior of enterprises and users compared with some related reimbursement solutions in the field, and enterprise employees can relatively freely choose a taxi platform to take a taxi. Specifically, in order to simplify enterprise reimbursement, some solutions are also provided in the field: for example, in some solutions, the authenticity of the bill can be ensured by blockchain on the bill, reducing the potential risks of the bill in the custody, transmission and verification process, but this solution does not fundamentally solve the problem of advance payment of funds in the process of ticket reimbursement; for example, in other solutions, some taxi platforms, through their own platform advantages, jointly build an accounting system with enterprises, solve the problem of advance payment of funds in the process of ticket reimbursement by the method of advance payment of funds by the platform, and determine the authenticity of employee car use through technologies such as itinerary positioning to solve the necessity of vouchers in the reimbursement process, and solve the problem of ticket voucher management to a certain extent, but this method still has limitations, and is only applicable to business with specific taxi platforms, which limits the autonomous selection of enterprises and employees in car use, and there is a risk of isolation and potential business monopoly between taxi platforms.

[0070] Different from the solutions in the related art, the disclosed embodiment designs a public credit card that can pay fares in real time, supports enterprise employees to use the public credit card to choose any taxi platform for taxi consumption, and can realize free payment of fares on multiple platforms through the public credit card. At the same time, a system for determining whether funds are reimbursable is matched to determine whether the taxi fare meets the reimbursement conditions. For those that meet the reimbursement conditions, the company's reimbursement account will be used to repay the outstanding balance in the public credit card. For those that do not meet the reimbursement conditions, the employee's personal account will be used to repay the outstanding balance in the public credit account, thereby effectively solving the problems of fund advance payment, voucher management and the inability to independently choose a taxi platform.

[0071] Figure 5 A flowchart of fare reimbursement in another embodiment of the present disclosure is schematically shown.

[0072] like Figure 5 As shown, the fare reimbursement method according to this embodiment may include four steps: S51 taxi fare payment, S52 trip information collection, S53 fare reimbursement judgment, and S54 reimbursement account processing. Specific descriptions are as follows.

[0073] S51, taxi fare payment. For details, please refer to the relevant introduction in operation S302.

[0074] S52, trip information collection. After each payment, the payment details need to be recorded. For taxi services, the trip information needs to be obtained to determine whether the taxi trip is within the scope of reimbursement.

[0075] In some embodiments, when the ride-hailing platform can share trip information, the trip information can be synchronized from the platform backend server 103 of the ride-hailing platform based on the information in the payment request (such as the trip order number, etc.) and recorded in the payment details.

[0076] In other embodiments, if the taxi-hailing platform does not share travel information, if the user opens the taxi-hailing platform mini program in the mobile banking client application to hail a taxi, the mobile banking client application can be relied upon, and the mobile banking client application can collect travel information locally from the terminal device 101 based on the user's behavior record of using the taxi-hailing platform mini program.

[0077] Specifically, when the mobile banking client collects the trip information, the location information and time information of the ride destination can be uniquely determined. Specifically, when paying the taxi fare through the mobile banking, the longitude and latitude position of the terminal device 101 can be captured as the ride destination location, and the time information in the payment slip for paying the taxi fare can be used as the time information of the ride destination.

[0078] As for the location information and time information of the starting point of the ride, considering that the user may open the taxi platform mini program multiple times during driving (for example, to check the route, etc.), mobile banking is needed to collect the user's behavior records of using the taxi platform mini program, and analyze the final location information and time information of the starting point of the ride.

[0079] For example, the location information and time information of the terminal device 101 each time the taxi-hailing platform applet is opened within a predetermined period before the payment request is received can be registered to obtain at least one estimated location information and time information of the starting point of the ride. The preset time period can be the smaller of the n hours (e.g., within half a day, i.e., 6 hours) before the current payment of the fare and the time period from the last ride destination to the time when the payment request is received, so that the time range for searching the use record of opening the taxi-hailing platform applet is limited to a valid range.

[0080] Among them, when only one estimated starting point is collected, it means that the user has only opened the taxi platform mini program once before paying the fare. In this case, the estimated starting point can be used as the final starting point, and the trip information can be obtained based on the location information and time information of the estimated starting point and the end point.

[0081] However, usually multiple estimated ride starting points are registered within the scheduled time period. In this case, the estimated fare information from each estimated ride starting point to the ride end point can be calculated based on the location information and time information of the ride end point and the location information and time information of each estimated ride starting point, and then the estimated ride starting point with the estimated fare information closest to the taxi fare in the payment request is selected from the multiple estimated ride starting points as the final ride starting point, and finally the itinerary information is obtained based on the location information and time information of the final determined ride starting point and ride end point. Among them, the estimated ride fare can be predicted based on the ride interval, ride duration, and specific ride time according to the ride big data. In this way, the final ride starting point can be determined from the comprehensive matching of the ride interval, ride duration, specific ride time, and ride fare between the estimated ride starting point and the ride end point, so as to maximize the accuracy of the estimated ride starting point.

[0082] Figure 6 A flowchart for collecting travel information during fare reimbursement in one embodiment of the present disclosure is schematically shown.

[0083] like Figure 6 As shown, in this embodiment, the process of collecting travel information in the above operation S52 may include operations S601 to S609.

[0084] In operation S601, the employee uses the mobile banking client to log in to the taxi-hailing platform mini program.

[0085] In operation S602, it is determined whether the trip information is sent by the taxi-hailing platform.

[0086] If so, in operation S603, the trip information is synchronized from the platform backend server 103 of the taxi-hailing platform for reimbursement determination.

[0087] If not, the itinerary information is captured locally on the terminal device 101 through operations S604 to S609 via the mobile banking client application.

[0088] In operation S604, the mobile banking client application can register the longitude and latitude positions each time the taxi platform applet is opened. Usually, between two consecutive acquired destination positions, multiple longitude and latitude positions when the taxi applet is opened are collected. Among these positions, there are the starting positions of the ride and invalid opening positions (which may be the map viewing position in the figure).

[0089] In operation S605, the longitude and latitude positions of the terminal device 101 when the fare was last paid are registered to obtain the position information of the destination of the ride.

[0090] In operation S606, multiple longitude and latitude positions when the taxi-hailing platform mini program is opened, which are collected between two adjacent fare payment periods, are determined to obtain multiple estimated ride starting points.

[0091] In operation S607, the estimated fare from each estimated ride starting point to the ride end point is calculated and compared with the actual fare paid, and several locations with the closest fare are selected to find potential ride starting points.

[0092] In operation S608, the estimated ride time T (T1, T2, T3, etc.) from the selected potential ride start point to the ride end point is calculated, and the actual time difference TR1=TE-TS1, TR2=TE-TS2, TR3=TE-TS3, etc. between the capture time of the potential ride start point and the time of the ride end point (TE) is calculated, and the proximity between the estimated ride time T1 and the actual time difference TR1, T2 and TR2, T3 and TR3, etc. is compared, and the closest one is selected as the ride start point. For example, the actual taxi is taken in the evening after get off work, but the employee may have used the taxi platform applet to check the itinerary at noon that day. In this case, the location information obtained is the company's location, and the potential taxi fare will be similar, but the time difference is very different. Through the processing of S608, such a situation can be excluded.

[0093] The calculation of the estimated fare and the estimated travel time in the above operations S607 and S608 can be predicted based on the travel big data.

[0094] Next, in operation S609, the trip information is determined based on the finally determined longitude and latitude positions of the starting point of the ride and the actual grab time, as well as the longitude and latitude positions and time information of the end point of the ride, to provide for subsequent reimbursement determination.

[0095] In this way, relying on the personal mobile banking client, when the taxi platform does not share the trip information, the trip information can be analyzed through the behavior records of using the taxi platform applet in the personal mobile banking client, including the location, time, taxi fare and other information of the starting and ending points of the ride, and the above information can be passed to S53 for fare reimbursement judgment.

[0096] S53, judging the reimbursement of fare. Specifically, it can be judged whether the fare paid by the bank in the public credit card should be repaid by the enterprise from the reimbursement account according to the enterprise's requirements, or from the employee's personal account.

[0097] In one embodiment, the reimbursement conditions include regular fare reimbursement conditions and occasional fare reimbursement conditions. For example, for regular taxi expenses, such as overtime fare reimbursement, the reimbursement conditions for regular fare reimbursement are used for judgment. For occasional taxi expenses, such as business trip car reimbursement, the reimbursement conditions for occasional fare reimbursement can be used for judgment.

[0098] When determining the reimbursement of regular fare, in one embodiment, the payment details that meet the reimbursement conditions for regular fare can be screened by comparing the information of each dimension in the payment details with the corresponding dimension information in the reimbursement conditions for regular fare. For example, the taxi fare in each payment detail, the riding interval determined based on the trip information, the duration of the ride, and the riding time period can be compared with the corresponding dimension information in the reimbursement conditions for regular fare to screen the reimbursable regular fare.

[0099] When determining the reimbursement of occasional fares, in one embodiment, it is necessary not only to compare the various transaction information recorded in the payment details (such as itinerary information, taxi fares, etc.) to determine the purpose of payment and the amount of payment, but also to check the travel voucher information (such as business trip approval information, tickets, etc.). For example, the travel voucher information can be obtained by synchronizing the business trip approval information from the travel approval platform, or the user can upload the travel voucher information, such as the business trip car reimbursement voucher. In one embodiment, the travel voucher information and the payment details of the taxi fares of the same user can be uploaded to the blockchain simultaneously, and manually reviewed by the enterprise, and the approved payment details are reimbursed from the enterprise's reimbursement account.

[0100] Figure 7 A flowchart of fare reimbursement judgment in the process of fare reimbursement in one embodiment of the present disclosure is schematically shown.

[0101] Combination Figure 7In one embodiment, the process of determining the fare reimbursement in the above S53 may include operations S701 to S711.

[0102] In operation S701, a public credit card ACCOUNTB is used to make a real-time payment of the fare, and the payment details are recorded.

[0103] In operation S702, the payment details in the public information card ACCOUNTB within the current repayment period are subjected to reimbursement determination processing. The trip information can be collected according to the payment details, and combined with the taxi fares recorded in the payment details, the determination is made according to the preset reimbursement conditions. In one embodiment, since the number and frequency of regular fares are large, it can be determined first whether the payment details meet the reimbursement conditions for regular fares. If not, it is determined whether the payment details meet the reimbursement conditions for occasional fares. If it does not meet the conditions, it is determined that the amount in the payment details does not belong to the part that should be reimbursed.

[0104] The method steps of using the recurring fare reimbursement conditions to determine the recurring fare include S703 to S706.

[0105] In operation S703, it is checked whether the start and end time of the ride is within the reimbursement time range specified by the company. The start and end time of the ride can be determined based on the time information of the start and end of the ride in the trip information. For example, when the company stipulates that taxi rides after 8 pm can be reimbursed as overtime expenses, reimbursement is not allowed for rides starting before 8 pm.

[0106] In operation S704, it is checked whether the riding section is close to the historical riding section by comparing the position coordinates of the riding start point and the riding end point in the trip information.

[0107] In operation S705, it is checked whether the ride duration is close to the average ride duration that can be reimbursed by the employee in history, for example, whether the excess duration is less than a threshold duration. Specifically, the ride duration can be obtained based on the difference between the time information of the ride start point and the ride end point in the trip information.

[0108] In operation S706 , it is checked whether the taxi fare is close to the historical average taxi fare that can be reimbursed, for example, whether the excess amount deviation is less than a threshold amount.

[0109] If the above operations S704 to S706 are all verified and passed, it is determined that the fare expenditure is a regular fare and meets the reimbursement conditions for regular fare, and the process proceeds to operation S710 to be registered as an expense that meets the reimbursement conditions.

[0110] For any expense details that fail to pass the verification in any of the above operations S704 to S706, the process of determining the occasional taxi fare will be skipped to S707 to S708, and the determination will be made based on the occasional fare reimbursement conditions.

[0111] In operation S707, the payment details and travel voucher information are uploaded and submitted for manual review. The travel voucher information may include, but is not limited to, business trip approval forms, vehicle bill reimbursement, etc. Specifically, in some embodiments, the travel voucher information can be synchronized from the business trip application / approval platform. In another embodiment, the employee can upload the travel voucher information to the blockchain, and the bank-side system can also upload the collected itinerary information to the blockchain, so that both information are recorded in the blockchain and passed to the company's financial personnel for manual review.

[0112] In operation S708, it is determined whether the audit result of the financial personnel is passed.

[0113] If so, in operation S710, the payment details are registered as expenses that meet the reimbursement conditions, and then flow to the reimbursement account processing link S54 to wait for reimbursement.

[0114] If not, then in operation S711, the payment details are registered as expenditures that do not meet the reimbursement conditions, and then the process goes to the reimbursement account processing step S54, waiting for the repayment to be deducted from the personal account.

[0115] Finally, in S54, on the bank advance settlement date, which is the public credit card ACCOUNTB repayment date, based on the fare reimbursement judgment result, repayments are deducted from the company's reimbursement account ACCOUNTC for expenses that meet the reimbursement conditions; for expenses that do not meet the reimbursement conditions, repayments are deducted from A, B, C's personal accounts ACCOUNTP-A, ACCOUNTP-B, ACCOUNTP-C for personal repayments.

[0116] In this way, when the reimbursement method of the disclosed embodiment is used for reimbursement of vehicle fares, by establishing a relationship between a public credit card and the company's reimbursement account and the personal account of the company's employees, the company's employees do not need to advance funds when taking a taxi. At the same time, the use of credit card payment can support employees to freely choose a taxi platform, satisfying the employees' independent choice of car use.

[0117] Based on the reimbursement methods of the above-mentioned embodiments, the present disclosure also provides a reimbursement device. Figure 8 The reimbursement device is described in detail.

[0118] Figure 8 The block diagram of the reimbursement device 800 according to an embodiment of the present disclosure is schematically shown.

[0119] like Figure 8 As shown, according to some embodiments of the present disclosure, the reimbursement device 800 may include a fee payment module 810, a reimbursement judgment module 820, and a reimbursement account processing module 830. According to another embodiment of the present disclosure, when used for taxi fare reimbursement, the reimbursement device 800 may also include a vehicle trip collection module 840.

[0120] The fee payment module 810 is used to use the public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, and to record the payment details of each real-time payment, each payment detail including the user information requesting payment and the transaction details; wherein the repayment account of the public credit card is configured to include the personal accounts of multiple users and a reimbursement account.

[0121] The reimbursement determination module 820 is used to select payment details that meet the reimbursement conditions from all payment details in the current repayment period according to the transaction details when repaying the public credit card.

[0122] The reimbursement account processing module 830 is used to: use the reimbursement account to repay the amount in the payment details that meet the reimbursement conditions; and repay the amount in other payment details other than the payment details that meet the reimbursement conditions within the current repayment period using the personal account corresponding to the user information in each other payment detail.

[0123] The car trip collection module 840 is used to: when the payment request is a taxi payment request, before filtering out the payment details that meet the reimbursement conditions according to the transaction details, if the taxi platform providing the taxi service agrees to share the trip, synchronize the trip information from the taxi platform based on the taxi payment request. Alternatively, the car trip collection module 840 is also used to: obtain the trip information based on the user's behavior record of using the taxi platform applet when the user's authorization is obtained.

[0124] Fig. 9 Schematically shows Figure 8 The illustrated reimbursement device 800 is a workflow diagram for use in reimbursing vehicle fares.

[0125] like Fig. 9 As shown, the workflow of the reimbursement device 800 may include S1 to S6.2.

[0126] S1, the employee uses personal mobile banking and enters the taxi platform applet to book a taxi online. After the taxi is used, the employee opens the mobile banking and uses the public credit card ACCOUNTB to pay the fare through the fee payment module 810.

[0127] S2.1, the vehicle trip collection module 840 determines whether to synchronize the trip information from the taxi-hailing platform, if yes, jumps to S2.1.1, if no, jumps to S2.1.2.

[0128] S2.1.1, obtain employee travel information from the taxi-hailing platform and send it to the reimbursement judgment module;

[0129] S2.1.2, collect employee travel information by collecting travel information from local terminal devices, and send the relevant information to the reimbursement judgment module.

[0130] S2.2, after the taxi fare is incurred, the reimbursement accounting processing module 830 registers the transaction information such as "ACCOUNTB account number + fare amount + A employee identity information + advance payment time" into the FAREDTL table.

[0131] S3, the reimbursement judgment module 820 judges whether the conditions for regular vehicle expense reimbursement are met. If yes, it is directly registered and deducted from the company's reimbursement account for reimbursement, and jumps to S6.1; if not, it enters the occasional vehicle expense reimbursement process and jumps to S4.

[0132] S4, the employee uploads the travel voucher information, and the bank’s back-end server also uploads the collected itinerary information. Then both pieces of information can be recorded in the blockchain and passed to the company’s financial staff for review.

[0133] S5, the company's financial personnel conduct financial review and approval of occasional travel expenses according to the reimbursement conditions for occasional travel expenses. If approved, the company will reimburse the expenses and jump to S6.1; if not approved, the employee will pay the expenses personally, corresponding to step S6.2.

[0134] S6.1, on the settlement day of the advance payment of the public credit card ACCOUNTB, for the expenses that meet the reimbursement conditions as determined by the reimbursement judgment module, the funds are deducted from the reimbursement account ACCOUNTC and returned to the public credit card ACCOUNTB account according to the fund information registered in the FAREDTL table.

[0135] S6.2, public credit looks at the settlement date of the advance payment of funds in the ACCOUNTB account. According to the expenditures that do not meet the reimbursement conditions determined by the reimbursement judgment module, the funds are deducted from the personal account ACCOUNTP to the credit card ACCOUNTB account based on the fund information registered in the FAREDTL table.

[0136] When making occasional car fare reimbursements, the introduction of intelligent judgment of car fare reimbursement and blockchain online reimbursement methods can greatly reduce the workload of corporate financial personnel engaged in car fare reimbursement and solve pain points in aspects such as corporate voucher management.

[0137] The disclosed embodiments create new business usage scenarios for the bank's customers, personal clients, and corporate clients, and can enhance the bank's business operation capabilities.

[0138] According to an embodiment of the present disclosure, any multiple modules of the expense payment module 810, the reimbursement judgment module 820, the reimbursement account processing module 830, and the vehicle travel collection module 840 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 expense payment module 810, the reimbursement judgment module 820, the reimbursement account processing module 830, and the vehicle travel collection module 840 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 an appropriate combination of any of them. Alternatively, at least one of the expense payment module 810, the reimbursement determination module 820, the reimbursement account processing module 830 and the vehicle trip collection module 840 may be at least partially implemented as a computer program module, which may execute corresponding functions when the computer program module is executed.

[0139] Fig.10 A block diagram of an electronic device suitable for implementing the reimbursement method according to an embodiment of the present disclosure is schematically shown.

[0140] like Fig.10 As shown, the electronic device 1000 according to an embodiment of the present disclosure includes a processor 1001, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage part 1008 into a random access memory (RAM) 1003. The processor 1001 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1001 may also include an onboard memory for caching purposes. The processor 1001 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0141] In RAM 1003, various programs and data required for the operation of electronic device 1000 are stored. Processor 1001, ROM 1002 and RAM 1003 are connected to each other through bus 1004. Processor 1001 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 1002 and / or RAM 1003. It should be noted that the program can also be stored in one or more memories other than ROM 1002 and RAM 1003. Processor 1001 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in one or more memories.

[0142] According to an embodiment of the present disclosure, the electronic device 1000 may further include an input / output (I / O) interface 1005, which is also connected to the bus 1004. The electronic device 1000 may further include one or more of the following components connected to the I / O interface 1005: an input portion 1006 including a keyboard, a mouse, etc.; an output portion 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 1008 including a hard disk, etc.; and a communication portion 1009 including a network interface card such as a LAN card, a modem, etc. The communication portion 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed, so that a computer program read therefrom is installed into the storage portion 1008 as needed.

[0143] 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.

[0144] According to an embodiment of the present disclosure, a 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 1002 and / or RAM 1003 described above and / or one or more memories other than ROM 1002 and RAM 1003.

[0145] 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 reimbursement method provided by the embodiment of the present disclosure.

[0146] 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 1001. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0147] 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 1009, and / or installed from the removable medium 1011. 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.

[0148] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1009, and / or installed from the removable medium 1011. When the computer program is executed by the processor 1001, 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, means, module, unit, etc. described above can be implemented by a computer program module.

[0149] 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 (for example, using an Internet service provider to connect through the Internet).

[0150] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products 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 a 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 with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0151] 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.

[0152] The embodiments of the present disclosure are described above. However, these embodiments are only for the purpose of illustration 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 various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A reimbursement method comprising: Using a public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, and recording payment details of each real-time payment, each payment detail including user information requesting payment and transaction details; wherein the repayment account of the public credit card is configured to include personal accounts of each of the multiple users and a reimbursement account; When repaying the public credit card, from all payment details in the current repayment cycle, select payment details that meet the reimbursement conditions according to the transaction details; Using the reimbursement account to repay the amount in the payment details that meet the reimbursement conditions; and For the amount in other payment details other than the payment details that meet the reimbursement conditions within the current repayment period, repayment is made using the personal account corresponding to the user information in each other payment detail.

2. The method according to claim 1, wherein: When the payment request is an accommodation payment request, the transaction information includes hotel information, check-in period and accommodation amount; When the payment request is a meal payment request, the transaction information includes the number of diners, meal time, meal location and meal amount; When the payment request is a taxi payment request, the transaction information includes itinerary information and taxi fare.

3. The method according to claim 2, wherein: When the payment request is a taxi payment request, before selecting payment details that meet the reimbursement conditions according to the transaction details, the method further includes: When the taxi-hailing platform providing the taxi-hailing service agrees to share the itinerary, the itinerary information is synchronized from the taxi-hailing platform based on the taxi-hailing payment request after obtaining the user's authorization.

4. The method according to claim 2, wherein: When the payment request is a taxi payment request, before selecting payment details that meet the reimbursement conditions according to the transaction details, the method further includes: When a user uses the taxi-hailing platform applet in the mobile banking to hail a taxi and initiates the taxi payment request, the trip information is obtained based on the user's behavior record of using the taxi-hailing platform applet after obtaining the user's authorization.

5. The method according to claim 4, wherein: In the case of obtaining user authorization, obtaining the trip information based on the user's behavior record of using the taxi platform applet includes: Using mobile banking to collect the time when the payment request is initiated, the location information and time information of the terminal device running the mobile banking, and obtain the location information and time information of the ride destination; Using the mobile banking to collect the location information and time information of the terminal device each time the taxi-hailing platform applet is opened within a predetermined period before the time of initiating the payment request, to obtain at least one estimated location information and time information of the ride starting point; When the at least one estimated boarding starting point includes only one estimated boarding starting point, the travel information is obtained based on the position information and time information of the estimated boarding starting point and the boarding end point.

6. The method according to claim 5, wherein: In the case of obtaining user authorization, obtaining the trip information based on the user's behavior record of using the taxi platform applet includes: When the at least one estimated boarding starting point includes multiple estimated boarding starting points, based on the location information and time information of the boarding end point and the location information and time information of each estimated boarding starting point, the estimated fare information from each estimated boarding starting point to the boarding end point is calculated; From the multiple estimated ride starting points, select the estimated ride starting point whose estimated fare information is closest to the taxi fare in the payment request as the final determined ride starting point; and The itinerary information is obtained based on the location information and time information of the finally determined starting point and the end point of the ride.

7. The method according to claim 5, wherein: The predetermined time period is set to: The smaller of n hours before the time when the payment request is received and the time period from the time when the last ride ended to the time when the payment request is received, where n is greater than zero.

8. The method according to claim 2, wherein: When the payment request is a taxi payment request, the reimbursement conditions include regular fare reimbursement conditions and occasional fare reimbursement conditions; wherein, when repaying the public credit card, from all payment details in the current repayment period, the payment details that meet the reimbursement conditions are screened according to the transaction details, including: By comparing the transaction details in the payment details with the recurring fare reimbursement conditions, screening the payment details that meet the recurring fare reimbursement conditions; and By comparing the transaction details and travel voucher information in the payment details with the occasional fare reimbursement conditions, the payment details that meet the occasional fare reimbursement conditions are screened.

9. The method according to claim 8, wherein: The method of comparing the transaction details and travel voucher information in the payment details with the occasional fare reimbursement conditions to screen the payment details that meet the occasional fare reimbursement conditions includes: Obtaining the travel voucher information corresponding to the user information in a payment detail; and The payment details and the travel voucher information are sent for manual review, wherein the payment details that pass the manual review are payment details that meet the conditions for reimbursement of occasional travel expenses, and the payment details that fail the manual review are payment details that do not meet the conditions for reimbursement of occasional travel expenses.

10. The method according to claim 8 or 9, wherein: When repaying the public credit card, from all payment details in the current repayment period, the payment details that meet the reimbursement conditions are screened according to the transaction details, including: Filter payment details that meet the recurring fare reimbursement conditions from all payment details in the current repayment period; and Filtering out payment details that meet the occasional fare reimbursement conditions from all payment details in the current repayment period, except for payment details that meet the regular fare reimbursement conditions; Among them, the payment details that meet the conditions for reimbursement of regular expenses and the payment details that meet the conditions for reimbursement of occasional expenses are all payment details that meet the reimbursement conditions.

11. The method according to claim 1, wherein: Before using the public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, the method further includes: Setting up a repayment relationship between the public credit card and the reimbursement account; Based on the registration applications of the multiple users, the multiple users are authorized to use the public credit card, and a repayment relationship between the personal accounts of the multiple users and the public credit card is set.

12. A reimbursement device comprising: A fee payment module, used to use a public credit card to make real-time payments for payment requests initiated to the public credit card by multiple users who are authorized to use the public credit card, and record payment details of each real-time payment, each payment detail including user information requesting payment and transaction details; wherein the repayment account of the public credit card is configured to include personal accounts of each of the multiple users and a reimbursement account; A reimbursement judgment module, for selecting payment details that meet the reimbursement conditions from all payment details in the current repayment period according to the transaction details when repaying the public credit card; Reimbursement accounting processing module, used for: Using the reimbursement account to repay the amount in the payment details that meet the reimbursement conditions; and For the amount in other payment details other than the payment details that meet the reimbursement conditions within the current repayment period, repayment is made using the personal account corresponding to the user information in each other payment detail.

13. An electronic device comprising: one or more processors; a memory 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 are enabled to execute the method according to any one of claims 1 to 11.

14. 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 11.

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