Account division processing method, device and equipment
By using blockchain technology to manage public accounts during the accounting split process and using multiple payee accounts for consensus verification, the accounting errors caused by consumer refunds during the accounting split are solved, and the security of funds and consumption experience are improved.
Patent Information
- Application Number
- CN202411520153.9
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-29
- Publication Date
- 2025-03-14
AI Technical Summary
During the accounting division process, consumers may submit a refund when the T+N daily clearance is distributed to the accounting division merchant, resulting in accounting errors.
By establishing a blockchain network, multiple payee accounts jointly manage public accounts. When consumers request a refund, they will refund them from the public accounts, and the consensus verification will be carried out by each payee account to ensure the security of funds and achieve the synchronization of refunds and split accounts.
Avoid accounting errors, ensure the security of funds in the payee’s account and consumer accounts, improve the consumption experience and protect the interests of the payee.
Smart Images
Figure CN119624442A_ABST
Abstract
Description
Technical Field
[0001] The embodiments of this specification relate to the field of computer technology and are applicable to the financial field, such as banking and other application scenarios, and more particularly to a method, device and equipment for account splitting. Background Art
[0002] Currently, the funds paid by consumers on day T need to be settled and distributed to the account-sharing merchants on day T+N, and consumers may apply for a refund at any time. Therefore, during the process of settling the funds with the account-sharing merchants on day T+N, if a refund happens to be processed concurrently, accounting errors will occur.
[0003] How to solve the accounting errors that occur when consumers request refunds during the split account period is a technical problem that needs to be solved urgently. Summary of the invention
[0004] In order to solve the problems existing in the prior art, the embodiments of this specification provide a method, device and equipment for account splitting processing. Multiple payee accounts form a blockchain network, and a public account is established. The public account is managed by blockchain technology. When a refund occurs during the account splitting period, the consumer is refunded from the public account. Each payee account performs consensus verification on the refund to ensure the safety of funds in the public account, realizes the simultaneous account splitting and refund, avoids accounting errors, and there is no fund delay in both the payee account and the consumer account, thereby improving the consumer experience and ensuring the interests of the payee account at the same time.
[0005] The specific technical solutions of the embodiments of this specification are as follows:
[0006] On the one hand, an embodiment of this specification provides a method for splitting accounts, including:
[0007] After a customer pays a payment to a target payee account, if a refund request for the payment is received from the customer, the refund request is reviewed, and after the review is passed, a refund bill corresponding to the refund request is generated;
[0008] Sending the refund bill to a blockchain so that multiple nodes in the blockchain perform consensus verification on the refund bill according to the balance of a public account, the blockchain consisting of multiple payee accounts including the target payee account, the payee account being a node in the blockchain, and the funds in the public account being deposited jointly by the multiple payee accounts;
[0009] If the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount of the refund bill in the public account are returned to the customer;
[0010] The balance of the public account is updated.
[0011] Furthermore, after the customer pays the target payee account, the method further includes:
[0012] The payment amount of the customer is allocated to the target payee account.
[0013] Furthermore, after returning the refund amount of the refund bill to the customer from the public account, the method further includes:
[0014] The funds corresponding to the refund amount in the target payee account are added to the public account.
[0015] Furthermore, replenishing the funds corresponding to the refund amount in the target payee account into the public account includes:
[0016] Generate a payment invoice corresponding to the refund amount;
[0017] Sending the payment bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the payment bill;
[0018] When the consensus verification result of the multiple nodes on the account replenishment bill is passed, the funds corresponding to the refund amount in the target payee account are replenished into the public account.
[0019] Furthermore, the method further comprises:
[0020] Analyze the first transaction status of the payee accounts corresponding to the multiple nodes respectively, and calculate the pre-deposit amount of the payee accounts for the public account;
[0021] The funds corresponding to the pre-deposited amount in the payee's account are deposited into the public account.
[0022] Furthermore, the first transaction situation includes the refund volume of the payee's account within multiple consecutive first predetermined time periods and the refund amount of each refund.
[0023] Furthermore, analyzing the first transaction situations of the payee accounts corresponding to the multiple nodes respectively, and calculating the pre-deposit amount of the payee accounts for the public account further includes:
[0024] For a first predetermined period, calculating a first refund total amount according to the refund quantity and the refund amount of each refund;
[0025] Fitting the first total refund amount of the payee account in a plurality of consecutive first predetermined time periods to obtain a first refund trend of the payee account;
[0026] Determine whether the first refund trend is an upward trend. If so, calculate the increasing rate corresponding to the first refund trend, and calculate the product of the first refund total amount of the last first scheduled time period and the increasing rate to obtain the predicted first refund total amount of the next first scheduled time period, and calculate the difference between the predicted first refund total amount of the next first scheduled time period and the first refund total amount of the last first scheduled time period to obtain the pre-deposited amount.
[0027] Further, depositing the funds corresponding to the pre-deposited amount in the payee's account into the public account includes:
[0028] Generate a pre-deposit bill corresponding to the pre-deposit amount corresponding to the payee's account;
[0029] Sending the pre-stored bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the pre-stored bill;
[0030] When the consensus verification result of the plurality of nodes on the pre-deposited bill is passed, the funds corresponding to the pre-deposited amount in the payee's account are added to the public account.
[0031] Furthermore, the method further comprises:
[0032] Analyze the second transaction status of the payee accounts corresponding to the multiple nodes respectively, and calculate the refund amount of the payee accounts to the public account;
[0033] The funds corresponding to the refund amount in the public account are returned to the payee account.
[0034] Furthermore, the second transaction situation includes the refund volume of the payee's account within multiple consecutive second predetermined time periods and the refund amount of each refund.
[0035] Further, analyzing the second transaction conditions of the payee accounts corresponding to the multiple nodes respectively, and calculating the refund amount of the payee accounts for the public account includes:
[0036] For a second predetermined period, calculating a second refund total amount based on the refund quantity and the refund amount of each refund;
[0037] Fitting the second total refund amount of the payee account in a plurality of consecutive second predetermined time periods to obtain a second refund trend of the payee account;
[0038] Determine whether the second refund trend is a downward trend. If so, calculate the decline rate corresponding to the downward trend, and calculate the product of the second total refund amount of the last second scheduled period and the decline rate to obtain the predicted second total refund amount of the next second scheduled period, and calculate the difference between the second total refund amount of the last second scheduled period and the predicted second total refund amount of the next second scheduled period to obtain the refund amount.
[0039] Furthermore, returning the funds corresponding to the refund amount in the public account to the payee account includes:
[0040] Generate a refund bill corresponding to the refund amount corresponding to the payee's account;
[0041] Sending the refund bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the refund bill;
[0042] When the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount in the public account are returned to the payee account.
[0043] Furthermore, after the customer pays the target payee account, the method further includes:
[0044] Determine whether the payment amount exceeds the predetermined maximum amount;
[0045] If so, the funds corresponding to the payment amount will be temporarily stored in the temporary account corresponding to the target payee account, and after receiving the customer's confirmation message, the funds corresponding to the payment amount in the temporary account corresponding to the target payee account will be allocated to the target payee account, and the confirmation message indicates that the probability of the customer initiating a refund request for the payment is less than a predetermined value.
[0046] Furthermore, if the confirmation message is not received, but a refund request from the customer for the payment is received, the funds corresponding to the refund amount in the refund request in the temporary account corresponding to the target payee account are returned to the customer.
[0047] On the other hand, the embodiment of this specification also provides an account splitting processing device, the device comprising:
[0048] A refund request preprocessing unit, configured to review the refund request if a refund request for the payment is received after the customer has made payment to the target payee account, and generate a refund bill corresponding to the refund request after the review is passed;
[0049] A refund bill processing unit, configured to send the refund bill to a blockchain, so that a plurality of nodes in the blockchain perform consensus verification on the refund bill according to the balance of a public account, wherein the blockchain is composed of a plurality of payee accounts including the target payee account, the payee account is a node in the blockchain, and the funds in the public account are deposited jointly by the plurality of payee accounts;
[0050] A refund unit, configured to return the funds corresponding to the refund amount of the refund bill in the public account to the customer if the result of the consensus verification of the refund bill by the multiple nodes is passed;
[0051] The public account maintenance unit is used to update the balance of the public account.
[0052] On the other hand, an embodiment of the present specification further provides a computer device, including a memory, a processor, and a computer program stored in the memory, and the processor implements the above method when executing the computer program.
[0053] On the other hand, an embodiment of the present specification further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program implements the above method when executed by a processor.
[0054] Finally, the embodiments of this specification also provide a computer program product, wherein the computer program product includes a computer program, and the computer program implements the above method when executed by a processor.
[0055] Using the embodiments of this specification, a public account is set up to process refunds of customers corresponding to all payee accounts, and to split accounts in real time, thereby achieving parallel refunds and split accounts, solving accounting errors that occur when consumers refund during split accounts, and enabling funds in payee accounts to be quickly recovered, and customer refunds can also be received in real time, greatly improving the experience of both parties. In addition, in order to improve the security of public accounts, the embodiments of this specification use each payee account as a node on the blockchain to build a blockchain. When processing a customer's refund, a refund bill is generated and submitted to each node on the blockchain for consensus verification. After the consensus verification is passed, the funds corresponding to the refund amount of the refund bill in the public account are returned to the customer to ensure the financial security of the public account. BRIEF DESCRIPTION OF THE DRAWINGS
[0056] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.
[0057] Figure 1 The figure is a flow chart of a method for splitting accounts in an embodiment of the present specification;
[0058] Figure 2 It is a schematic diagram of a process of replenishing the funds corresponding to the refund amount in the target payee account into the public account in the embodiment of this specification;
[0059] Figure 3 The figure shows a schematic diagram of the process of pre-depositing from a payee account to a public account in an embodiment of this specification;
[0060] Figure 4 The figure is a flow chart of analyzing the first transaction situation of the payee account corresponding to each of the multiple nodes and calculating the pre-deposit amount of the payee account for the public account in the embodiment of this specification;
[0061] Figure 5 The figure shows a flow chart of depositing the funds corresponding to the pre-deposited amount in the payee's account into the public account in the embodiment of this specification;
[0062] Figure 6 The figure shows a schematic diagram of the process of returning money from a public account to a payee account in an embodiment of this specification;
[0063] Figure 7 It is a schematic diagram showing the analysis of the second transaction situation of the payee account corresponding to each of the multiple nodes and the calculation of the refund amount of the payee account to the public account in the embodiment of this specification;
[0064] Figure 8 The figure shows a flow chart of returning the funds corresponding to the refund amount in the public account to the payee's account in the embodiment of this specification;
[0065] Fig. 9 The figure shows a schematic diagram of the processing flow of super-large amount payment in the embodiment of this specification;
[0066] Fig.10 The figure shows a schematic diagram of the structure of an account splitting processing device in an embodiment of this specification;
[0067] Fig.11The figure is a schematic diagram of the structure of a computer device in an embodiment of the present specification.
[0068]
Description of the accompanying drawings
[0069] 1001. Refund request pre-processing unit;
[0070] 1002. Refund bill processing unit;
[0071] 1003. Refund unit;
[0072] 1004. Public account maintenance unit;
[0073] 1102. Computer equipment;
[0074] 1104. Processing equipment;
[0075] 1106. Storage resources;
[0076] 1108, driving mechanism;
[0077] 1110, input / output module;
[0078] 1112. Input device;
[0079] 1114. Output device;
[0080] 1116. Presentation equipment;
[0081] 1118. Graphical user interface;
[0082] 1120, network interface;
[0083] 1122. Communication link;
[0084] 1124. Communication bus. DETAILED DESCRIPTION
[0085] The following will be combined with the drawings in the embodiments of this specification to clearly and completely describe the technical solutions in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on the embodiments in the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the embodiments of this specification.
[0086] It should be noted that the terms "first", "second", etc. in the description and claims of the embodiments of this specification and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the embodiments of this specification described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, device, product or equipment that includes 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 equipment.
[0087] It should be noted that the acquisition, storage, use, and processing of data in the technical solutions of the embodiments of this specification comply with the relevant provisions of national laws and regulations.
[0088] It should be noted that in the embodiments of this specification, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of this application, but it does not mean that the applicant has or will necessarily use the solution.
[0089] In response to the problems existing in the prior art, the embodiments of this specification provide an account splitting processing method, in which multiple payee accounts form a blockchain network, and a public account is established. The public account is managed through blockchain technology. When a refund occurs during the account splitting period, the consumer is refunded from the public account. Each payee account performs consensus verification on the refund to ensure the safety of funds in the public account, realizes the simultaneous account splitting and refund, avoids accounting errors, and there is no fund delay in both the payee account and the consumer account, thereby improving the consumer experience and ensuring the interests of the payee account at the same time.
[0090] Figure 1 The figure shows a flowchart of an account splitting processing method. This figure describes the process of refunding after the customer pays the target payee account. The order of steps listed in the embodiment is only one way of executing the order of many steps, and does not represent the only execution order. When the system or device product is executed in practice, it can be executed in the order of the method shown in the embodiment or the accompanying drawings or in parallel.
[0091] Specific as Figure 1 As shown, the method may include:
[0092] Step 101: After a customer pays a target payee account, if a refund request for the payment is received from the customer, the refund request is reviewed, and after the review is passed, a refund bill corresponding to the refund request is generated;
[0093] Step 102: Send the refund bill to a blockchain, so that multiple nodes in the blockchain perform consensus verification on the refund bill according to the balance of a public account, wherein the blockchain is composed of multiple payee accounts including the target payee account, the payee account is a node in the blockchain, and the funds in the public account are deposited jointly by the multiple payee accounts;
[0094] Step 103: When the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount of the refund bill in the public account are returned to the customer;
[0095] Step 104: Update the balance of the public account.
[0096] Using the embodiments of this specification, a public account is set up to process refunds of customers corresponding to all payee accounts, and to split accounts in real time, thereby achieving parallel refunds and split accounts, solving accounting errors that occur when consumers refund during split accounts, and enabling funds in payee accounts to be quickly recovered, and customer refunds can also be received in real time, greatly improving the experience of both parties. In addition, in order to improve the security of public accounts, the embodiments of this specification use each payee account as a node on the blockchain to build a blockchain. When processing a customer's refund, a refund bill is generated and submitted to each node on the blockchain for consensus verification. After the consensus verification is passed, the funds corresponding to the refund amount of the refund bill in the public account are returned to the customer to ensure the financial security of the public account.
[0097] In the embodiment of this specification, the bank server can execute Figure 1 The method shown, after authorization and consent from multiple payee accounts, opens a common account corresponding to these payee accounts, and the common account processes refund requests from all customers corresponding to these payee accounts. Because it is unlikely that all payee accounts will receive a large refund at the same time, as long as there is reasonable funds pre-deposited in the common account, it can satisfy the refund requests of customers of all payee accounts.
[0098] Therefore, based on the public account, according to one embodiment of the present specification, after the customer pays the target payee account, the method further includes:
[0099] The payment amount of the customer is allocated to the target payee account.
[0100] It can be understood that, because the public account is used for refunds, there is no need to wait for T+N days for the splitting of the accounts of the payees, and the splitting can be done in real time.
[0101] In the embodiment of this specification, the refund bill includes the refund amount and the corresponding target payee account and refund time. The refund bill is sent to the blockchain. Multiple nodes in the blockchain conduct consensus verification on the refund bill based on the balance of the public account, that is, consensus is reached on the refund amount, target payee account, refund time and the balance of the public account. After the consensus is passed, blocks are generated and stored on the chain for subsequent tracing. Then the bank server returns the funds corresponding to the refund amount in the public account to the customer and updates the balance in the public account.
[0102] That is to say, when the bank server spends each sum of money in the public account, it needs to obtain the consensus of all the recipient accounts corresponding to the public account, thereby ensuring the security of the funds in the public account.
[0103] In order to ensure that the funds in the public account can satisfy subsequent refund requests, according to an embodiment of the present specification, after the refund amount of the refund bill is returned to the customer from the public account, the method further includes:
[0104] The funds corresponding to the refund amount in the target payee account are added to the public account.
[0105] It can be understood that after a refund is made to a customer, the target recipient account is also required to add the refunded money to the public account to ensure that there is enough money in the public account.
[0106] Normally, refunds are only a small part of the total transaction volume, so most of the transaction proceeds can be received in the payee's account. Only a small part of the refund needs to be refunded to the public account, and the corresponding target payee account will then replenish the refunded money to the public account. In this way, the money in the public account can always meet the refund requests that may arise from customers of all payee accounts.
[0107] According to one embodiment of the present specification, in addition to the outflow of funds in the public account, the inflow of funds should also be agreed upon by the accounts of the recipients. Figure 2 As shown, replenishing the funds corresponding to the refund amount in the target payee account into the public account includes:
[0108] Step 201: Generate a payment invoice corresponding to the refund amount;
[0109] Step 202: Send the payment bill to the blockchain, so that the multiple nodes in the blockchain perform consensus verification on the payment bill;
[0110] Step 203: When the consensus verification result of the multiple nodes on the account replenishment bill is passed, the funds corresponding to the refund amount in the target payee account are replenished into the public account.
[0111] In the embodiment of this specification, the account-replenishment bill includes the account-replenishment amount (the same as the refund amount), the account-replenishment time, and the account of the payee of the account-replenishment. Then the account-replenishment bill is sent to the blockchain. Each node on the blockchain reaches a consensus on the account-replenishment amount, the account-replenishment time, and the account of the payee of the account-replenishment. After the consensus is reached, a block is generated and stored on the chain for subsequent tracing. Finally, the funds corresponding to the account-replenishment amount (that is, the refund amount) in the target payee's account are added to the public account.
[0112] It can be understood that every outflow and inflow of funds in the public account is subject to the consensus of all corresponding recipient accounts, thereby further ensuring the security of funds in the public account and the traceability of transactions.
[0113] In the embodiments of the present specification, there may be a certain payee account that has certain problems, resulting in a gradual increase in the amount of refunds. At this time, the total amount of funds in the public account may be unable to complete the refund corresponding to the subsequent increase in the refund amount due to the subsequent increase in the refund amount of the payee account. That is, taking two adjacent months as an example, although the funds corresponding to the total refund amount of the previous month have been replenished in the public account when the refund is completed, because the total refund amount of the next month has increased significantly compared to the total refund amount of the previous month, the funds in the public account may not be able to complete the refund of the increased total refund amount.
[0114] In view of the above situation, according to an embodiment of this specification, as Figure 3 As shown, the method also includes:
[0115] Step 301: Analyze the first transaction status of the payee accounts corresponding to the multiple nodes, and calculate the pre-deposit amount of the payee accounts for the public account;
[0116] Step 302: Deposit the funds corresponding to the pre-deposited amount in the payee's account into the public account.
[0117] In the embodiment of this specification, the first transaction of each payee account under the public account is first analyzed, and the pre-deposit amount of each payee account for the public account is calculated. The pre-deposit amount indicates the amount that the payee account needs to deposit into the public account in addition to the refund amount corresponding to the refund request. If the calculated pre-deposit amount is 0, it means that the payee account does not need to deposit additional funds into the public account.
[0118] Specifically, the first transaction situation includes the refund volume of the payee's account within multiple consecutive first predetermined time periods and the refund amount of each refund.
[0119] In the embodiment of the present specification, the length of the first predetermined period of time can be set by bank staff according to needs, such as one month or one quarter, etc., and the embodiment of the present specification does not limit this.
[0120] In the embodiment of the present specification, the refund amounts of multiple consecutive first predetermined time periods and the refund amount of each refund are obtained according to the time length of the first predetermined time period.
[0121] Furthermore, if Figure 4 As shown, analyzing the first transaction situation of the payee account corresponding to each of the multiple nodes, and calculating the pre-deposit amount of the payee account for the public account further includes:
[0122] Step 401: for a first predetermined period, calculating a first total refund amount according to the refund amount and the refund amount of each refund;
[0123] Step 402: fitting the first total refund amount of the payee's account within a plurality of consecutive first predetermined time periods to obtain a first refund trend of the payee's account;
[0124] Step 403: determining whether the first refund trend is an upward trend;
[0125] Step 404: If yes, calculate the rising rate corresponding to the first refund trend, and calculate the product of the total first refund amount of the last first scheduled period and the rising rate to obtain the predicted total first refund amount of the next first scheduled period, and calculate the difference between the predicted total first refund amount of the next first scheduled period and the total first refund amount of the last first scheduled period to obtain the pre-deposited amount.
[0126] In an embodiment of the present specification, for a payee account, the first total refund amount in each first predetermined period is first calculated, and then the total refund amount of the payee account in these consecutive first predetermined periods is fitted to obtain the first refund trend of the payee account. If the first refund trend is an upward trend, it is predicted that the total refund amount of the payee account in the next first predetermined period will also increase. It may also be because the payee account has released certain promotional activities or taken certain measures that the actual total refund amount in the next first predetermined period does not increase, but the bank server cannot be sure that the actual total refund amount of the payee account in the next first predetermined period will not increase. According to the speculation of historical data, the total refund amount of the payee account in the next first predetermined period will increase. In order to avoid the situation where the funds in the public account are insufficient to pay the refund of the payee account in the next first predetermined period due to the increase in the total refund amount, or most of the funds in the public account are used to pay the refund of the payee account, resulting in the inability to complete the refund of other payee accounts, the bank server must take countermeasures when it is predicted that the total refund amount of the payee account in the next first predetermined period will increase.
[0127] Specifically, the bank server calculates the rising rate corresponding to the first refund trend, and calculates the product of the total first refund amount of the last first scheduled time period and the rising rate to obtain the predicted total first refund amount of the next first scheduled time period, and calculates the difference between the predicted total first refund amount of the next first scheduled time period and the total first refund amount of the last first scheduled time period (because the refund amount of the payee's account paid by the public account in the last first scheduled time period has been replenished, so only the difference that may increase needs to be calculated) to obtain the pre-deposited amount.
[0128] According to one embodiment of this specification, Figure 5 As shown, depositing the funds corresponding to the pre-deposited amount in the payee's account into the public account includes:
[0129] Step 501: Generate a pre-deposit bill corresponding to the pre-deposit amount corresponding to the payee's account;
[0130] Step 502: Send the pre-stored bill to the blockchain, so that the multiple nodes in the blockchain perform consensus verification on the pre-stored bill;
[0131] Step 503: When the consensus verification result of the plurality of nodes on the pre-deposited bill is passed, the funds corresponding to the pre-deposited amount in the payee's account are added to the public account.
[0132] In the embodiment of this specification, the refund amount of the payee's account may not only increase, but also decrease. If the refund amount decreases significantly, the payee's account does not need to deposit so much funds into the public account. Therefore, in order to facilitate the return of funds in the payee's account, according to an embodiment of this specification, Figure 6 As shown, the method also includes:
[0133] Step 601: Analyze the second transaction status of the payee accounts corresponding to the multiple nodes, and calculate the refund amount of the payee accounts to the public account;
[0134] Step 602: Return the funds corresponding to the refund amount in the public account to the payee account.
[0135] In the embodiments of this specification, the refund amount refers to the funds transferred from the public account to the payee account. This part of the funds is calculated based on the second transaction situation of the payee account. Specifically, the second transaction situation includes the refund amount of the payee account within multiple consecutive second predetermined time periods and the refund amount of each refund.
[0136] Furthermore, if Figure 7 As shown, analyzing the second transaction situation of the payee account corresponding to each of the multiple nodes, and calculating the refund amount of the payee account for the public account includes:
[0137] Step 701: for a second predetermined period, calculating a second total refund amount according to the refund amount and the refund amount of each refund;
[0138] Step 702: fitting the second total refund amount of the payee's account within a plurality of consecutive second predetermined time periods to obtain a second refund trend of the payee's account;
[0139] Step 703: determining whether the second refund trend is a downward trend;
[0140] Step 704: If so, calculate the decline rate corresponding to the downward trend, and calculate the product of the second total refund amount of the last second scheduled period and the decline rate to obtain the predicted second total refund amount of the next second scheduled period, and calculate the difference between the second total refund amount of the last second scheduled period and the predicted second total refund amount of the next second scheduled period to obtain the refund amount.
[0141] In an embodiment of the present specification, for a payee account, the second total refund amount for each second predetermined time period is first calculated, and then the total refund amount of the payee account in these consecutive second predetermined time periods is fitted to obtain the second refund trend of the payee account. If the second refund trend is a downward trend, it is predicted that the total refund amount of the payee account in the next second predetermined time period will also decrease. The bank server calculates the downward rate corresponding to the second refund trend, and calculates the product of the second total refund amount of the last second predetermined time period and the increasing rate to obtain the predicted second total refund amount of the next second predetermined time period, and calculates the difference between the second total refund amount of the last second predetermined time period and the predicted second total refund amount of the next second predetermined time period and the said to obtain the said refund amount.
[0142] Furthermore, if Figure 8 As shown, returning the funds corresponding to the refund amount in the public account to the payee account includes:
[0143] Step 801: Generate a refund bill corresponding to the refund amount corresponding to the payee's account;
[0144] Step 802: Send the refund bill to the blockchain, so that the multiple nodes in the blockchain perform consensus verification on the refund bill;
[0145] Step 803: When the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount in the public account are returned to the payee account.
[0146] According to an embodiment of this specification, if a customer makes a large refund, there may not be enough funds in the public account to refund, or after the public account makes a large refund, other refunds will not be processed normally. Therefore, this embodiment of the specification sets up a temporary account for each payee account. Unlike the public account, the funds in the temporary account are only for the payee account to which it belongs. Specifically, Fig. 9 As shown, after the customer pays the target payee account, the method further includes:
[0147] Step 901: Determine whether the payment amount exceeds the predetermined maximum amount;
[0148] Step 902: If so, the funds corresponding to the payment amount are temporarily stored in a temporary account corresponding to the target payee account, and after receiving a confirmation message from the customer, the funds corresponding to the payment amount in the temporary account corresponding to the target payee account are allocated to the target payee account, and the confirmation message indicates that the probability of the customer initiating a refund request for the payment is less than a predetermined value.
[0149] In the embodiments of this specification, the predetermined large amount can be set by the staff according to actual needs, and this embodiment of this specification does not limit it.
[0150] It can be understood that when the payment amount exceeds the predetermined maximum amount, the payment will no longer be immediately allocated to the payee's account, but will be temporarily stored in the temporary account of the payee's account. When the customer sends a confirmation (such as confirmation of receipt of goods, etc.), the payment will be allocated to the payee's account from the temporary account of the payee's account.
[0151] If the confirmation message is not received, but a refund request for the payment is received from the customer, the funds corresponding to the refund amount in the refund request in the temporary account corresponding to the target payee account will be returned to the customer. This avoids the problem that a large refund will result in insufficient funds in the public account for refunding, or that after a large refund is made in the public account, other refunds cannot be processed normally.
[0152] Based on the same inventive concept, the embodiment of this specification also provides an account splitting processing device, such as Fig.10 As shown, the device comprises:
[0153] The refund request preprocessing unit 1001 is used for reviewing the refund request after the customer pays the target payee account, and generating a refund bill corresponding to the refund request after the review is passed;
[0154] A refund bill processing unit 1002 is used to send the refund bill to a blockchain, so that multiple nodes in the blockchain perform consensus verification on the refund bill according to the balance of a public account, wherein the blockchain is composed of multiple payee accounts including the target payee account, the payee account is a node in the blockchain, and the funds in the public account are deposited jointly by the multiple payee accounts;
[0155] A refund unit 1003 is used to return the funds corresponding to the refund amount of the refund bill in the public account to the customer if the result of the consensus verification of the refund bill by the multiple nodes is passed;
[0156] The public account maintenance unit 1004 is used to update the balance of the public account.
[0157] Furthermore, the device also includes an account splitting unit, which is used to split the payment amount of the customer into the target payee account after the customer pays the target payee account.
[0158] Furthermore, the device also includes a replenishment unit, which is used to replenish the funds corresponding to the refund amount in the target payee account into the public account after returning the refund amount of the refund bill to the customer from the public account.
[0159] Furthermore, replenishing the funds corresponding to the refund amount in the target payee account into the public account includes:
[0160] Generate a payment invoice corresponding to the refund amount;
[0161] Sending the payment bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the payment bill;
[0162] When the consensus verification result of the multiple nodes on the account replenishment bill is passed, the funds corresponding to the refund amount in the target payee account are replenished into the public account.
[0163] Furthermore, the device further comprises a pre-deposit unit, configured to analyze the first transaction status of the payee accounts corresponding to the plurality of nodes respectively, and calculate the pre-deposit amount of the payee accounts for the public account;
[0164] The funds corresponding to the pre-deposited amount in the payee's account are deposited into the public account.
[0165] Furthermore, the first transaction situation includes the refund volume of the payee's account within multiple consecutive first predetermined time periods and the refund amount of each refund.
[0166] Furthermore, analyzing the first transaction situations of the payee accounts corresponding to the multiple nodes respectively, and calculating the pre-deposit amount of the payee accounts for the public account further includes:
[0167] For a first predetermined period, calculating a first refund total amount according to the refund quantity and the refund amount of each refund;
[0168] Fitting the first total refund amount of the payee account in a plurality of consecutive first predetermined time periods to obtain a first refund trend of the payee account;
[0169] Determine whether the first refund trend is an upward trend. If so, calculate the increasing rate corresponding to the first refund trend, and calculate the product of the total first refund amount of the last first scheduled time period and the increasing rate to obtain the predicted total first refund amount of the next first scheduled time period, and calculate the difference between the predicted total first refund amount of the next first scheduled time period and the total first refund amount of the last first scheduled time period to obtain the pre-deposited amount.
[0170] Further, depositing the funds corresponding to the pre-deposited amount in the payee's account into the public account includes:
[0171] Generate a pre-deposit bill corresponding to the pre-deposit amount corresponding to the payee's account;
[0172] Sending the pre-stored bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the pre-stored bill;
[0173] When the consensus verification result of the plurality of nodes on the pre-deposited bill is passed, the funds corresponding to the pre-deposited amount in the payee's account are added to the public account.
[0174] Furthermore, the device further comprises a refunding unit, configured to analyze the second transaction status of the payee accounts corresponding to the multiple nodes respectively, and calculate the refund amount of the payee accounts for the public account;
[0175] The funds corresponding to the refund amount in the public account are returned to the payee account.
[0176] Furthermore, the second transaction situation includes the refund volume of the payee's account within multiple consecutive second predetermined time periods and the refund amount of each refund.
[0177] Further, analyzing the second transaction conditions of the payee accounts corresponding to the multiple nodes respectively, and calculating the refund amount of the payee accounts for the public account includes:
[0178] For a second predetermined period, calculating a second refund total amount based on the refund quantity and the refund amount of each refund;
[0179] Fitting the second total refund amount of the payee account in a plurality of consecutive second predetermined time periods to obtain a second refund trend of the payee account;
[0180] Determine whether the second refund trend is a downward trend. If so, calculate the decline rate corresponding to the downward trend, and calculate the product of the second total refund amount of the last second scheduled period and the decline rate to obtain the predicted second total refund amount of the next second scheduled period, and calculate the difference between the second total refund amount of the last second scheduled period and the predicted second total refund amount of the next second scheduled period to obtain the refund amount.
[0181] Furthermore, returning the funds corresponding to the refund amount in the public account to the payee account includes:
[0182] Generate a refund bill corresponding to the refund amount corresponding to the payee's account;
[0183] Sending the refund bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the refund bill;
[0184] When the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount in the public account are returned to the payee account.
[0185] Furthermore, the device also includes a large amount processing unit, which is used to determine whether the payment amount exceeds a predetermined large amount after the customer pays the target payee account;
[0186] If so, the funds corresponding to the payment amount will be temporarily stored in the temporary account corresponding to the target payee account, and after receiving the customer's confirmation message, the funds corresponding to the payment amount in the temporary account corresponding to the target payee account will be allocated to the target payee account, and the confirmation message indicates that the probability of the customer initiating a refund request for the payment is less than a predetermined value.
[0187] Furthermore, if the confirmation message is not received, but a refund request from the customer for the payment is received, the funds corresponding to the refund amount in the refund request in the temporary account corresponding to the target payee account are returned to the customer.
[0188] Since the principle of solving the problem by the above device is similar to that of the above method, the implementation of the above device can refer to the implementation of the above method, and the repeated parts will not be repeated.
[0189] like Fig.11 The diagram shows the structure of a computer device in an embodiment of the present specification. The apparatus in the present specification may be the computer device in the embodiment, executing the method in the present specification.
[0190] Computer device 1102 may include one or more processing devices 1104, such as one or more central processing units (CPUs), each of which may implement one or more hardware threads.
[0191] The computer device 1102 may also include any storage resources 1106 for storing any kind of information such as code, settings, data, etc. For example, without limitation, the storage resources 1106 may include any one or a combination of the following: any type of RAM, any type of ROM, a flash memory device, a hard disk, an optical disk, etc.
[0192] More generally, any storage resource may use any technology to store information.
[0193] Further, any storage resource may provide volatile or non-volatile retention of information.
[0194] Further, any storage resources may represent fixed or removable components of computer device 1102 .
[0195] In one case, when the processing device 1104 executes the associated instructions stored in any storage resource or combination of storage resources, the computer device 1102 may perform any of the operations of the associated instructions.
[0196] The computer device 1102 also includes one or more drive mechanisms 1108 for interacting with any storage resources, such as a hard disk drive mechanism, an optical disk drive mechanism, and the like.
[0197] The computer device 1102 may also include an input / output module 1110 (I / O) for receiving various inputs (via input devices 1112 ) and for providing various outputs (via output devices 1114 ).
[0198] One particular output mechanism may include a presentation device 1116 and an associated graphical user interface (GUI) 1118 .
[0199] In other embodiments, the input / output module 1110 (I / O), the input device 1112 and the output device 1114 may not be included, and the computer only serves as a computer device in the network.
[0200] The computer device 1102 may also include one or more network interfaces 1120 for exchanging data with other devices via one or more communication links 1122. One or more communication buses 1124 couple the components described above together.
[0201] The communication link 1122 may be implemented in any manner, such as through a local area network, a wide area network (eg, the Internet), a point-to-point connection, etc., or any combination thereof.
[0202] The communication link 1122 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc., governed by any protocol or combination of protocols.
[0203] The embodiments of the present specification also provide a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program implements the above method when executed by a processor.
[0204] The embodiments of the present specification also provide a computer-readable instruction, wherein when a processor executes the instruction, the program therein causes the processor to execute the above method.
[0205] It should be understood that in the various embodiments of the present specification, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present specification.
[0206] It should also be understood that in the embodiments of this specification, the term "and / or" is only a description of the association relationship of the associated objects, indicating that three relationships can exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the character " / " in the embodiments of this specification generally indicates that the associated objects before and after are in an "or" relationship.
[0207] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed in the embodiments of this specification can be implemented with electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of the embodiments of this specification.
[0208] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.
[0209] In the several embodiments provided in the embodiments of this specification, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or units, or it can be an electrical, mechanical or other form of connection.
[0210] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments of this specification.
[0211] In addition, each functional unit in each embodiment of the present specification can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of software functional units.
[0212] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the embodiment of this specification is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the embodiment of this specification. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program code.
[0213] The embodiments of this specification use specific embodiments to illustrate the principles and implementation methods of the embodiments of this specification. The description of the above embodiments is only used to help understand the methods and core ideas of the embodiments of this specification. At the same time, for those skilled in the art, according to the ideas of the embodiments of this specification, there will be changes in the specific implementation methods and application scopes. In summary, the content of this specification should not be understood as a limitation on the embodiments of this specification.
Claims
1. A method for splitting accounts, characterized in that: The method comprises: After a customer pays a payment to a target payee account, if a refund request for the payment is received from the customer, the refund request is reviewed, and after the review is passed, a refund bill corresponding to the refund request is generated; Sending the refund bill to a blockchain so that multiple nodes in the blockchain perform consensus verification on the refund bill according to the balance of a public account, the blockchain consisting of multiple payee accounts including the target payee account, the payee account being a node in the blockchain, and the funds in the public account being deposited jointly by the multiple payee accounts; If the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount of the refund bill in the public account are returned to the customer; The balance of the public account is updated.
2. The method according to claim 1, characterized in that After the customer pays the target payee account, the method further includes: The payment amount of the customer is allocated to the target payee account.
3. The method according to claim 1, characterized in that: After returning the refund amount of the refund bill to the customer from the public account, the method further comprises: The funds corresponding to the refund amount in the target payee account are added to the public account.
4. The method according to claim 3, characterized in that Adding the funds corresponding to the refund amount in the target payee account to the public account includes: Generate a payment invoice corresponding to the refund amount; Sending the payment bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the payment bill; When the consensus verification result of the multiple nodes on the account replenishment bill is passed, the funds corresponding to the refund amount in the target payee account are replenished into the public account.
5. The method according to claim 1, characterized in that The method further comprises: Analyze the first transaction status of the payee accounts corresponding to the multiple nodes respectively, and calculate the pre-deposit amount of the payee accounts for the public account; The funds corresponding to the pre-deposited amount in the payee's account are deposited into the public account.
6. The method according to claim 5, characterized in that The first transaction situation includes the refund volume of the payee's account within multiple consecutive first predetermined time periods and the refund amount of each refund.
7. The method according to claim 6, characterized in that Analyzing the first transaction situation of the payee account corresponding to each of the multiple nodes, and calculating the pre-deposit amount of the payee account for the public account further includes: For a first predetermined period, calculating a first refund total amount according to the refund quantity and the refund amount of each refund; Fitting the first total refund amount of the payee account in a plurality of consecutive first predetermined time periods to obtain a first refund trend of the payee account; Determine whether the first refund trend is an upward trend. If so, calculate the increasing rate corresponding to the first refund trend, and calculate the product of the total first refund amount of the last first scheduled time period and the increasing rate to obtain the predicted total first refund amount of the next first scheduled time period, and calculate the difference between the predicted total first refund amount of the next first scheduled time period and the total first refund amount of the last first scheduled time period to obtain the pre-deposited amount.
8. The method according to claim 5, characterized in that Depositing the funds corresponding to the pre-deposited amount in the payee's account into the public account includes: Generate a pre-deposit bill corresponding to the pre-deposit amount corresponding to the payee's account; Sending the pre-stored bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the pre-stored bill; When the consensus verification result of the plurality of nodes on the pre-deposited bill is passed, the funds corresponding to the pre-deposited amount in the payee's account are added to the public account.
9. The method according to claim 1, characterized in that: The method further comprises: Analyze the second transaction status of the payee accounts corresponding to the multiple nodes respectively, and calculate the refund amount of the payee accounts to the public account; The funds corresponding to the refund amount in the public account are returned to the payee account.
10. The method according to claim 9, characterized in that The second transaction situation includes the refund volume of the payee's account within a plurality of consecutive second predetermined time periods and the refund amount of each refund.
11. The method according to claim 10, characterized in that Analyzing the second transaction conditions of the payee accounts corresponding to the multiple nodes respectively, and calculating the refund amount of the payee accounts to the public account includes: For a second predetermined period, calculating a second refund total amount based on the refund quantity and the refund amount of each refund; Fitting the second total refund amount of the payee account in a plurality of consecutive second predetermined time periods to obtain a second refund trend of the payee account; Determine whether the second refund trend is a downward trend. If so, calculate the decline rate corresponding to the downward trend, and calculate the product of the second total refund amount of the last second scheduled period and the decline rate to obtain the predicted second total refund amount of the next second scheduled period, and calculate the difference between the second total refund amount of the last second scheduled period and the predicted second total refund amount of the next second scheduled period to obtain the refund amount.
12. The method according to claim 9, characterized in that Returning the funds corresponding to the refund amount in the public account to the payee account includes: Generate a refund bill corresponding to the refund amount corresponding to the payee's account; Sending the refund bill to the blockchain so that the multiple nodes in the blockchain perform consensus verification on the refund bill; When the consensus verification result of the multiple nodes on the refund bill is passed, the funds corresponding to the refund amount in the public account are returned to the payee account.
13. The method according to claim 1, characterized in that After the customer pays the target payee account, the method further includes: Determine whether the payment amount exceeds the predetermined maximum amount; If so, the funds corresponding to the payment amount will be temporarily stored in the temporary account corresponding to the target payee account, and after receiving the customer's confirmation message, the funds corresponding to the payment amount in the temporary account corresponding to the target payee account will be allocated to the target payee account, and the confirmation message indicates that the probability of the customer initiating a refund request for the payment is less than a predetermined value.
14. The method according to claim 13, characterized in that If the confirmation message is not received, but a refund request from the customer for the payment is received, the funds corresponding to the refund amount in the refund request in the temporary account corresponding to the target payee account are returned to the customer.
15. A split account processing device, characterized in that: The device comprises: A refund request preprocessing unit, configured to review the refund request if a refund request for the payment is received after the customer has made payment to the target payee account, and generate a refund bill corresponding to the refund request after the review is passed; A refund bill processing unit, configured to send the refund bill to a blockchain, so that a plurality of nodes in the blockchain perform consensus verification on the refund bill according to the balance of a public account, wherein the blockchain is composed of a plurality of payee accounts including the target payee account, the payee account is a node in the blockchain, and the funds in the public account are deposited jointly by the plurality of payee accounts; A refund unit, configured to return the funds corresponding to the refund amount of the refund bill in the public account to the customer if the result of the consensus verification of the refund bill by the multiple nodes is passed; The public account maintenance unit is used to update the balance of the public account.
16. A computer device comprising a memory, a processor, and a computer program stored in the memory, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 14 is implemented.
17. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 14 is implemented.
18. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 14 is implemented.