Credit type prepayment consumption supervision system and method

Abstract

The embodiment of the invention discloses a trust type prepaid consumption supervision system and method, relates to the technical field of prepaid consumption software, and is used for solving the problem that fund security risks exist due to the fact that an existing prepaid fund supervision layer is single. The system comprises a bank system, a trust prepayment fund management platform system and a prepayment platform. Wherein the prepayment platform is used for receiving payment request operation information of a merchant end, the bank system is used for determining the balance of a merchant in a trust property special account, generating an accounting record and feeding back the accounting record to the prepayment platform, and the prepayment platform is further used for realizing payment request of the merchant end according to the accounting record; wherein the trust property special account corresponds to the trust prepayment fund management middle platform system and is used for storing the prepayment fund which is purchased by the supervision consumption end and corresponds to the merchant end; and the bank system is also used for creating a batch to online task for the unprocessed payment request instruction which has fed back the accounting record, processing payment request bills in batches according to a preset interval, and finally realizing fund payment.

Description

Technical Field

[0001] The present invention relates to the field of prepaid consumption software, and in particular to a trust-type prepaid consumption supervision system and method. Background Art

[0002] In recent years, prepaid consumer businesses, including prepaid cards, have developed rapidly. Single-purpose commercial prepaid cards have played a positive role in reducing cash use, facilitating public payments, and stimulating consumption, and are generally welcomed by merchants and consumers. However, while the single-purpose commercial prepaid card market is booming, there are also problems such as lax supervision and lack of risk prevention mechanisms.

[0003] The existing supervision of prepaid funds is relatively simple, limited to the management of funds by third-party payment platforms and banks, such as freezing of funds and user refunds. It lacks a fund guarantee mechanism and cannot push information flows on multiple platforms. In addition, the transaction process supervised by the existing platform requires merchants to open new special accounts in banks, which can easily cause merchants to have negative emotions and lead to poor promotion of prepaid supervision platforms. Moreover, the supervision method based only on merchant special accounts cannot avoid the risks to fund security brought about by judicial freezing and deductions. In addition, during the peak period of payment request transactions, since the transaction of account data needs to interact with the bank system to realize fund processing, the interactive processing method of each item is prone to long payment transaction time and slow arrival of funds due to the large amount of data and complex interactive processing methods. Summary of the invention

[0004] In order to solve the above technical problems, one or more embodiments of the present invention provide a trust-based prepaid consumption supervision system and method.

[0005] One or more embodiments of the present invention adopt the following technical solutions: One or more embodiments of the present invention provide a trust-based prepaid consumption supervision method, which is applied to a trust-based prepaid consumption supervision system including: a bank system, a trust prepaid funds management middle-end system, and a prepaid treasure platform, and the method includes: The merchant sends payment request operation information to the prepaid treasure platform; The bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds back the accounting record to the prepaid treasure platform; wherein the trust property special account corresponds to the trust prepaid funds management middle-end system, which is used to store and supervise the prepaid funds purchased by the consumer end corresponding to the merchant end; The prepaid treasure platform enables merchant-side payment requests based on the accounting records fed back by the bank system; The bank system creates a batch transfer task for the payment request instructions that have been fed back and have not been processed, and initiates batch processing at a preset time interval to store the payment request bills corresponding to the unprocessed payment request instructions into the corresponding business private table; The data in the business private table is configured based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the receipt of funds.

[0006] Optionally, in one or more embodiments of the present invention, the data in the business private table is configured based on the preset configuration request message table to process the unprocessed payment request bills one by one to achieve the receipt of funds, specifically: Based on the field mapping rule of the configuration request message table, configure the data in the business private table to obtain a request message; Add the request message to a message queue to sequentially obtain the request messages in the message queue, and determine the insertion node corresponding to each field information in the request message according to the pre-set node attribute configuration table of Yufubao; Based on the matching of the insertion node and the head office API interface field of the bank system, the request message is interacted with the head office API interface of the bank system to obtain the processing result of the request message; The processing result is parsed according to the bank's preset node attribute configuration table to update the parsing result to the business private table to complete the fund processing.

[0007] Optionally, in one or more embodiments of the present invention, the data in the business private table is configured based on the preset configuration request message table to process the unprocessed payment request bills one by one to achieve the funds arrival, and the method further includes: The prepaid treasure platform and the bank system reconcile the accounting records of the prepaid treasure platform with the business private table of the bank system based on the preset reconciliation time and preset reconciliation rules to obtain the reconciliation result; If it is determined based on the reconciliation result that there is erroneous data, the erroneous data is sent to a corresponding processing terminal so that the erroneous data is reviewed again by the corresponding processing terminal; According to the audit result, the payment request instruction corresponding to the erroneous data is processed to synchronize the business private table with the accounting record.

[0008] Optionally, in one or more embodiments of the present invention, before the merchant sends the payment request operation information to the prepaid treasure platform, the method further includes: The prepaid treasure platform synchronizes the basic information of the merchant terminal to the bank system based on the trust prepaid funds management middle platform system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system; The prepaid treasure platform receives the order information of the consumer end to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name; The trust prepaid funds management middle-office system verifies the order information with the funds arrival information of the secondary sub-account with the same account name to transfer the prepaid funds to the trust property special account of the trust prepaid funds management middle-office system for prepaid funds supervision.

[0009] Optionally, in one or more embodiments of the present invention, the prepaid treasure platform receives the order information of the consumer end to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name, specifically: The prepaid treasure platform receives the order information of the consumer end, and determines the first order information located before the preset fund collection time and the second order information located after the preset fund collection time according to the timestamp corresponding to the order information; If the order information is the first order information, the first order information is summarized, and the prepaid funds corresponding to the first order information are determined according to the difference between the summarized first order information and the merchant's payment information on the same day corresponding to the order information, so as to divide the prepaid funds into the secondary sub-account with the same account name; If the order information is the second order information, the prepaid funds corresponding to the second order information will be allocated to the secondary sub-account with the same account name in real time.

[0010] Optionally, in one or more embodiments of the present invention, the merchant terminal sends payment request operation information to the prepaid treasure platform, including: The prepaid treasure platform obtains the timestamp corresponding to the payment request operation information, compares the timestamp with the preset fund collection time, and determines the operation period corresponding to the current operation information; If the operation period is before the fund collection time, the prepaid treasure platform obtains the merchant's daily income and expenditure information to determine the merchant's daily revenue funds; Comparing the revenue funds of the day with the requested payment amount, if it is determined that the revenue funds of the day are greater than the requested payment amount, the prepaid treasure platform does not approve the requested payment operation information; If it is determined that the revenue funds for the day are less than the requested payment amount, the prepaid treasure platform passes the requested payment operation information; If the operation period is after the fund collection time, the prepaid treasure platform generates a payment request instruction according to the payment request operation information and initiates a payment request to the bank system.

[0011] Optionally, in one or more embodiments of the present invention, if it is determined that the revenue funds for the day are greater than the requested payment amount, after the prepaid payment platform does not approve the requested payment operation information, the method further includes: The prepaid treasure platform returns the requested payment amount to the merchant based on the merchant's reserve fund account within the preset fund collection time; The prepaid treasure platform obtains the difference between the revenue funds of the day and the requested payment amount as the prepaid funds of the day, so as to divide the prepaid funds of the day into the secondary sub-account of the same account name of the merchant terminal under the bank system; The prepaid treasure platform uploads the daily collection information corresponding to the prepaid funds on the day to the trust prepaid funds management middle platform system; The trust prepaid funds management middle station verifies the daily collection information with the daily prepaid funds arrival information of the secondary sub-account with the same account name, so as to transfer the daily prepaid funds to the trust property special account of the trust prepaid funds management middle station system for prepaid funds supervision.

[0012] Optionally, in one or more embodiments of the present invention, the bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds back the accounting record to the prepaid treasure platform, specifically: The bank system compares the payment amount of the payment request instruction with the balance corresponding to the merchant terminal under the trust property special account to determine whether to allow the payment request; If the balance is greater than the payment request amount, the payment request is allowed, and an accounting record corresponding to the payment request instruction is generated; The accounting record is immediately fed back to the prepaid treasure platform to quickly realize the payment request at the merchant end.

[0013] One or more embodiments of the present invention provide a trust-based prepaid consumption supervision system, the system comprising: a bank system, a trust prepaid funds management middle platform system, and a prepaid treasure platform, wherein: The prepaid treasure platform is used to receive payment request operation information sent by the merchant end; The bank system is used to determine the balance of the merchant in the trust property special account, generate an accounting record, and immediately feed back the accounting record to the prepaid treasure platform; wherein the trust property special account corresponds to the trust prepaid funds management middle platform system, which is used to store and supervise the prepaid funds purchased by the consumer end corresponding to the merchant end; The prepaid treasure platform is also used to realize merchant-side payment request based on the accounting records fed back by the bank system; The bank system is further used to create a batch transfer task for the payment request instructions that have been fed back and have not been processed, and initiate a batch processing at a preset time interval to store the payment request bills corresponding to the unprocessed payment request instructions in the corresponding business private table; The data in the business private table is configured based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the receipt of funds.

[0014] Optionally, in one or more embodiments of the present invention, the prepaid treasure platform is further used to synchronize the basic information of the merchant terminal to the bank system based on the trust prepaid funds management middle platform system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system; The prepaid treasure platform is also used to receive the order information of the consumer end, so as to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name; The trust prepaid funds management middle-office system is used to verify the order information with the funds arrival information of the secondary sub-account with the same account name, so as to transfer the prepaid funds to the trust property special account of the trust prepaid funds management middle-office system for prepaid funds supervision.

[0015] At least one of the above technical solutions adopted in the embodiments of the present invention can achieve the following beneficial effects: 1. This process does not require merchants to open new bank cards, which avoids the problem of forcing merchants to open new bank cards and helps alleviate merchants' resistance to promoting prepaid consumption.

[0016] 2. By adding the trust prepaid funds management middle-office system, the prepaid funds can be stored in the trust property special account for supervision, which prevents the loss of consumers caused by merchant business risks such as merchant bankruptcy or running away, and prevents the attribute of compulsory execution, achieving the purpose of prepaid funds risk isolation and independent security supervision. It also avoids the problem that the existing prepaid funds supervision is limited to the management of funds by third-party payment platforms and banks, lacks a fund guarantee mechanism, and cannot realize the information flow push of multiple platforms.

[0017] 3. When processing payment instructions, the bank system will make judgments based on the balance of the trust property account and will only allow payment requests within a reasonable range, thus avoiding merchants from excessively withdrawing funds and further ensuring the security and stability of funds.

[0018] 4. By processing payment instructions through the bank system's batch transfer online technology, a large number of businesses can be processed centrally at the same time, which improves processing efficiency, reduces the time and cost of manual operations, and increases the speed of capital circulation to achieve the effect of batch data synchronization feedback. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art description. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative labor. In the drawings: Figure 1 A schematic diagram of a trust-based prepaid consumption supervision system provided by an embodiment of the present invention; Figure 2 A flow chart of a trust-based prepaid consumption supervision method provided by an embodiment of the present invention; Figure 3 A schematic diagram of a process of depositing funds into a prepaid card at a consumer end in an application scenario provided by an embodiment of the present invention; Figure 4 A schematic diagram of the fund withdrawal process for consumer-side consumption verification in an application scenario provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0020] The embodiment of the present invention provides a trust-based prepaid consumption supervision system and method.

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

[0022] The embodiment of the present invention proposes a trust-based prepaid consumption supervision system and method. The system avoids the problem of forcing merchants to open new bank cards by establishing secondary sub-accounts with the same name as the merchants, and by adding a trust prepaid funds management middle-office system, the prepaid funds can be stored in a trust property special account for supervision, thereby preventing losses to consumers caused by merchant business risks such as merchant bankruptcy or running away, and preventing the attribute of forced execution, thereby achieving the purpose of prepaid funds risk isolation and independent security supervision. By processing payment request instructions through the bank system's batch transfer online technology, a large number of businesses can be processed centrally at the same time, improving processing efficiency, reducing the time and cost of manual operations, and increasing the speed of capital circulation to achieve the effect of seconds. Specifically, if Figure 1 As shown in FIG. 1 , an embodiment of the present invention provides a schematic diagram of a trust-based prepaid consumption supervision system. Figure 1 It can be seen that in one or more embodiments of the present invention, a trust-based prepaid consumption supervision system includes: a bank system, a trust prepaid funds management middle-office system, and a prepaid treasure platform.

[0023] In this system, when the merchant side needs to get the funds previously pre-deposited by consumers, the merchant side needs to send the request for payment operation information to the prepaid treasure platform. At this time, the bank system is used to determine the merchant's balance in the trust property special account, generate accounting records, and immediately feed back the accounting records to the prepaid treasure platform. Here, it should be noted that the trust property special account corresponds to the trust prepaid funds management middle-office system, which is used to store and supervise the prepaid funds purchased by the consumer side corresponding to the merchant side. That is, the trust prepaid funds management middle-office system is added to the trust-type prepaid consumption supervision system of this manual, avoiding the existing prepaid funds supervision being limited to the management of funds by third-party payment platforms and banks, lacking a fund guarantee mechanism, and unable to realize the information flow push of multiple platforms. Through the trust prepaid funds management middle-office system, the prepaid funds purchased by the consumer side corresponding to the merchant side can be used as service trust property, and because the trust property has the attribute of preventing other compulsory execution, it also achieves the purpose of risk isolation and independent supervision of prepaid funds. This avoids the problem of prepaid fund losses due to judicial freezing and deductions from the merchant's special account alone when the merchant goes bankrupt or runs away due to other operational risks in the existing environment.

[0024] Then, the prepaid treasure platform will realize the merchant's payment request based on the accounting records fed back by the bank system. That is, as long as the prepaid treasure receives the accounting records fed back by the bank system, it can issue the amount corresponding to the merchant's payment request instruction, shortening the payment transaction time and helping to improve user satisfaction in the prepaid consumption process.

[0025] After the above-mentioned prepaid treasure platform realizes the merchant's payment request, although the bank system has told the prepaid treasure platform the accounting record, some payment request instructions have not been processed. If there are many payment request instructions at present, that is, if there are batch payment request instructions, the existing single docking processing method in which the payment platform initiates a payment request instruction and the bank side processes the corresponding instruction has low timeliness, so in order to solve the problem that multiple payment request instructions cannot be synchronously fed back. The bank system in the embodiment of the present invention will feed back the payment request instructions that have been recorded and not processed, and will start a batch processing at a preset time interval by creating a batch transfer online task, so as to store the payment request bills corresponding to the unprocessed payment request instructions in the corresponding business private table, and then configure the data in the business private table based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the arrival of funds. By starting the batch transfer online technology processing based on the preset time interval by the above-mentioned bank system, a large number of businesses can be centrally processed on a regular basis, which improves the processing efficiency, reduces the time and cost of manual operation, improves the speed of capital circulation, and avoids the backlog or delay of funds caused by untimely processing.

[0026] Furthermore, in one embodiment of the present invention, the prepaid treasure platform is also used to synchronize the basic information of the merchant terminal to the bank system based on the trust prepaid funds management middle platform system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system; The prepaid treasure platform is also used to receive the order information of the consumer end, so as to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name; The trust prepaid funds management middle-office system is used to verify the order information with the funds arrival information of the secondary sub-account with the same account name, so as to transfer the prepaid funds to the trust property special account of the trust prepaid funds management middle-office system for prepaid funds supervision.

[0027] like Figure 2 As shown, the embodiment of the present invention also provides a flow chart of a trust-based prepaid consumption supervision method. Figure 2 It can be seen that in one or more embodiments of the present invention, a trust-based prepaid consumption supervision method includes: S201: The merchant sends payment request operation information to the prepaid treasure platform.

[0028] Furthermore, in one or more embodiments of the present invention, in order to avoid the problem of merchants' emotional resistance to prepaid consumption due to forcing merchants to open new bank cards, before the merchant sends the payment request operation information to the prepaid treasure platform, the following process is also included: First, based on the trust prepaid funds management middle office system, the prepaid treasure platform synchronizes the basic information of the merchant side to the bank system, so as to establish a secondary sub-account with the same account name corresponding to the merchant side through the bank system. For example: the merchant side can register and upload basic information based on the login interface of the prepaid treasure platform, and then the prepaid treasure platform will synchronize the basic information of the merchant side to the trust prepaid funds management middle office system through the interface, and then the trust prepaid funds management middle office system will synchronize the basic information of the merchant side to the bank system, so that the bank system will open a secondary sub-account with the same account name for the merchant side. In addition, the merchant side and the trust prepaid funds management middle office system complete the opening of the secondary sub-account with the same account name through online signing operations. This process directly establishes a secondary sub-account with the same account name of the merchant side's existing account based on the bank system, avoiding the problem of merchants' anti-emotion caused by the existing platform supervision requiring merchants to open new special accounts in banks. like Figure 3 As shown, when consumers recharge to purchase prepaid consumer services at the merchant end, such as when consumers purchase prepaid cards, the prepaid treasure platform will receive the order information from the consumer end, and thus divide the prepaid funds corresponding to the order information into the secondary sub-accounts with the same account name. Then, the trust prepaid funds management middle office system will check the order information with the funds arrival information of the secondary sub-accounts with the same account name. If the check is consistent, the prepaid funds will be transferred to the trust property special account of the trust prepaid funds management middle office system for prepaid funds supervision. The trust prepaid funds management middle office system will check the order information with the funds arrival information of the secondary sub-accounts with the same account name, effectively ensuring the security of the prepaid funds and the accuracy of the flow, preventing funds from being mismatched or misappropriated, and ensuring that the rights and interests of consumers are protected.

[0029] The above process clarifies the information interaction and capital flow process between the prepaid treasure platform, the trust prepaid funds management middle system and the banking system, making the operation of the entire prepaid consumption supervision system smoother and more efficient, improving the system's management efficiency and service quality, and avoiding the current single regulatory level's lack of a funding guarantee mechanism and the inability to realize information flow push on multiple platforms.

[0030] Specifically, in order to avoid the problem of inconsistency with actual business revenue and expenditure caused by simply dividing funds according to order amounts, and to ensure that the division of funds matches the actual business situation of the merchant, thereby ensuring the authenticity and reliability of financial data, in one or more embodiments of the present invention, in the above process, the prepaid treasure platform receives the order information of the consumer end to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name, which is specifically achieved through the following process: The prepaid treasure platform is used to receive order information from the consumer end, and then determine the first order information located before the preset fund collection time and the second order information located after the preset fund collection time according to the timestamp corresponding to the order information. That is, by dividing the order information into the first order information and the second order information according to the preset fund collection time, different processing methods are adopted for orders in different time periods, which can better adapt to different business scenarios and fund management needs.

[0031] If the order information is determined to be the first order information, that is, before the preset fund collection time, then each first order information will be summarized within the preset fund collection time, and the prepaid funds corresponding to the first order information will be determined based on the difference between the summarized first order information and the merchant's payment information on the same day corresponding to the order information, so as to divide the prepaid funds into the secondary sub-accounts with the same account name. For example: the preset fund collection time of the merchant is 9 o'clock in the evening, then at this time, if it is determined that a consumer has recharged 1,000 yuan and a consumer has withdrawn 500 yuan based on the first order information and the merchant's payment information on the same day, then the difference between the first order information and the merchant's payment information on the same day corresponding to the order information is 500 yuan, and this 500 yuan will be used as the prepaid funds corresponding to each first order information on the day, so as to collect the prepaid funds into the secondary sub-accounts with the same account name, so as to transfer them to the trust property special account of the trust prepaid fund management middle-end system through the above-mentioned prepaid fund supervision process. In this way, the overall business situation of the day can be comprehensively considered, funds can be flexibly allocated, and the efficiency of fund use and the accuracy of management can be improved. If the order information is the second order information, which is after the preset fund collection time, then the prepaid treasure platform will allocate the prepaid funds corresponding to the second order information to the secondary sub-account with the same account name in real time.

[0032] In this process, the order information is classified according to the preset fund collection time, and different processing methods are used for orders in different time periods. The first order information is aggregated and processed within the preset fund collection time, which reduces the number of fund division operations, reduces the system processing burden, and improves the overall processing efficiency. Especially when the order volume is large, it can effectively save system resources and processing time; the second order information is processed in real time to ensure that the funds arrive in time, avoid fund delays, make the entire fund flow process smoother, and improve the speed of fund flow. By determining and collecting prepaid funds to the secondary sub-account with the same account name through the above method, and then transferring them to the trust property special account for supervision, the funds entering the supervision process can more accurately reflect the actual business situation, enhance the accuracy and effectiveness of fund supervision, and ensure the safety of prepaid funds.

[0033] Furthermore, in order to facilitate the supervision of prepaid funds by the prepaid funds management middle-office system to be more targeted, thereby better ensuring the safety of prepaid funds. In one or more embodiments of the present invention, after the prepaid funds are transferred to the trust property special account of the trust prepaid funds management middle-office system and the prepaid funds are supervised, the following process is also included: In order to facilitate the intuitive presentation of the flow of funds between different links and accounts, the bank system counts the fund circulation paths of each merchant based on the preset intervals, and thus draws a fund flow diagram based on the fund circulation paths. Then, in order to fully grasp the source composition and use direction of merchant funds, the bank system will also obtain the fund source distribution data and fund destination distribution data of the merchant based on the fund flow diagram. In order to identify the abnormal fund change data of the merchant by comparing the fund source distribution data and fund destination distribution data in multiple adjacent preset intervals. When abnormal fund changes occur, it may indicate that the merchant has operating risks, illegal operations or other potential problems. Therefore, the bank system uses the fund circulation data involved in the fund circulation path of the abnormal fund change data as fund risk data, determines the first assignment according to the amount interval corresponding to each fund risk data, and determines the second assignment according to the change frequency of the fund risk data, and weights the first assignment and the second assignment based on the merchant credit index to obtain the objective risk value of the fund risk data. Then, the subjective risk value of the fund risk data from multiple expert dimensions is obtained according to the preset interface, so as to determine the trust risk value corresponding to the merchant side according to the weighted value of the objective risk value and the subjective risk value. The trust risk value is uploaded to the trust prepaid fund management middle-office system so that the trust prepaid fund management middle-office system can supervise the prepaid funds based on the supervision strategy corresponding to the trust risk value. Since the trust risk value is dynamically calculated based on the flow of funds, the supervision strategy can also be dynamically adjusted as the risk value changes. This enables supervision to adapt to changes in the merchant's business conditions in a timely manner and always maintain effective supervision of prepaid funds.

[0034] Furthermore, since the initiating ends corresponding to different payment request operation information have different payment request verification processes, that is, the verification processes at the consumer end and the merchant end are different, in order to determine whether the payment request can be made, in one or more embodiments of the present invention, the following process is further performed: The prepaid treasure platform receives the payment request operation information and determines the initiating end corresponding to the payment request operation information. If the initiating end is the consumer end, the order information of the consumer end is called to determine the prepayment information of the consumer end. Among them, it can be understood that the prepayment information includes: prepayment conditions, prepayment resources, and total prepayment; then determine whether the payment request operation information is within the coverage of the prepayment conditions of the above-mentioned consumer end. If it is within the coverage of the prepayment conditions, the payment request operation information is completed according to the prepayment resources and the total prepayment amount, and the payment request instruction is obtained, so as to request payment from the reserve fund account of the prepaid treasure platform. If it is not within the coverage of the prepayment conditions, it means that the payment request operation information of the consumer end is not compliant and the payment request will not be initiated at this time. Figure 4 The figure shows the fund withdrawal process corresponding to a payment request process for consumers. At this time, the prepaid treasure platform will send the consumer's payment request instruction, that is, the refund information, to the trust prepaid fund management middle office system. Then the trust prepaid fund management middle office system will transfer funds to the prepaid treasure platform through the bank, and entrust the prepaid treasure platform to return the money to the consumer end through the original path.

[0035] If the initiating end is the merchant end, the prepaid treasure platform determines whether the payment request can be initiated based on the timestamp corresponding to the payment request operation information and the merchant end's payment information on the same day. The specific implementation process is consistent with the following merchant end sending the payment request operation information to the prepaid treasure platform, and the prepaid treasure platform generates a payment request instruction based on the payment request operation information and initiates the payment request process to the bank system.

[0036] Due to the different business characteristics and needs of the consumer and merchant ends, different payment verification processes are adopted to better adapt to the situations of different initiators. This differentiated processing method enables the prepaid platform to flexibly respond to various payment scenarios, improves the adaptability and processing efficiency of the system, and provides different users with services that better meet their needs. Moreover, based on the above verification of payment operation information, non-compliant payment requests are prevented, reducing the risk of capital loss caused by unreasonable payment requests.

[0037] Furthermore, in one or more embodiments of the present invention, after the merchant sends the payment request operation information to the prepaid treasure platform, the prepaid treasure platform also obtains the timestamp corresponding to the payment request operation information, so as to compare the timestamp with the preset fund collection time and determine the operation period corresponding to the current situation operation information. If the operation period at this time is before the fund collection time, the prepaid treasure platform obtains the merchant's daily income and expenditure information to determine the merchant's daily revenue funds. Then, the daily revenue funds are compared with the payment request amount. If it is determined that the daily revenue funds are greater than the payment request amount, the prepaid treasure platform will not pass the payment request operation information at this time. On the contrary, if the daily revenue funds are less than the payment request amount, the prepaid treasure platform will pass the payment request operation information. If the operation period is after the fund collection time, the prepaid treasure platform will directly generate a payment request instruction based on the payment request operation information and initiate a payment request to the bank system. For example: Assuming that the preset fund collection time of a merchant is 9 pm, the timestamp corresponding to the request for payment operation information obtained by the prepaid treasure platform is 3 pm. After comparing it with the preset fund collection time, it is determined that the operation period of the current request for payment operation information is before the fund collection time. The prepaid treasure platform obtains the merchant's income and expenditure information for the day. According to statistics, the income as of 3 pm on that day was 3,000 yuan, and the expenditure was 500 yuan. Then the revenue funds for the day = income-expenditure = 3,000-500 = 2,500 yuan. Compare the revenue funds of 2,500 yuan on that day with the request for payment amount of 8,000 yuan. Since 2,500 yuan is less than 8,000 yuan, the prepaid treasure platform passes the request for payment operation information. When the income is 10,000 yuan and the expenditure is 1,000 yuan, the revenue funds for the day = 10,000-1,000 = 9,000 yuan. At this time, the daily revenue of 9,000 yuan is compared with the requested payment amount of 8,000 yuan. If 9,000 yuan is greater than 8,000 yuan, the prepaid treasure platform will not approve the payment request operation information.

[0038] Furthermore, in one or more embodiments of the present invention, if it is determined that the revenue funds for the day are greater than the requested payment amount, the prepaid treasure platform does not approve the request payment operation information, and further includes: Through the pre-set fund collection time, the prepaid treasure platform returns the requested amount to the merchant based on the merchant's reserve fund account. At this time, the prepaid treasure platform obtains the difference between the daily revenue funds and the requested amount as the prepaid funds for the day, so as to divide the prepaid funds for the day into the secondary sub-account with the same account name of the merchant under the bank system; then the prepaid treasure platform uploads the daily collection information corresponding to the prepaid funds for the day to the trust prepaid funds management middle office system. The trust prepaid funds management middle office verifies the daily collection information with the daily prepaid funds arrival information of the secondary sub-account with the same account name, so as to transfer the prepaid funds for the day to the trust property special account of the trust prepaid funds management middle office system for prepaid funds supervision.

[0039] When it is determined that the revenue funds for the day are greater than the requested amount, the prepaid treasure platform will not pass the request operation information, and will return the requested amount to the merchant based on the merchant's reserve account within the preset fund collection time. This ensures that merchants can obtain the required funds in a timely manner, maintain the normal operation of their daily business activities, avoid operating difficulties caused by unreasonable occupation of funds, and ensure the liquidity of merchant funds. The prepaid treasure platform obtains the difference between the revenue funds for the day and the requested amount as the prepaid funds for the day, and divides it into the second-level sub-account with the same account name of the merchant under the bank system. This method can accurately determine the amount of prepaid funds that need to be supervised based on the actual revenue and request of the merchant, avoid the wrong division or excessive occupation of funds, and improve the accuracy of prepaid fund management. The prepaid treasure platform uploads the daily collection information corresponding to the prepaid funds of the day to the trust prepaid fund management middle-office system, and the middle-office system verifies the daily collection information with the prepaid funds arrival information of the second-level sub-account with the same account name. This double-check mechanism ensures the accuracy and consistency of financial information, preventing errors or misappropriation of funds.

[0040] S202: The bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds back the accounting record to the prepaid treasure platform; wherein the trust property special account corresponds to the trust prepaid funds management middle-office system, which is used to store and supervise the prepaid funds purchased by the consumer end and corresponding to the merchant end.

[0041] The bank system is used to determine the merchant's balance in the trust property account and generate accounting records to immediately feed back the accounting records to the prepaid treasure platform. Based on the above system description, it can be seen that the trust property account corresponds to the trust prepaid funds management middle office system, which is used to store and supervise the prepaid funds purchased by the consumer end corresponding to the merchant end.

[0042] Specifically, in one or more embodiments of the present invention, the bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds the accounting record back to the prepaid treasure platform, specifically the following process: The bank system will compare the payment amount of the payment request instruction received with the corresponding balance of the merchant side in the trust property special account to determine whether to allow the payment request. If the balance is greater than the payment amount, the payment request is allowed and the accounting record corresponding to the payment request instruction is generated. The accounting record is immediately fed back to the prepaid treasure platform, and the prepaid treasure platform quickly processes the payment request from the merchant side after receiving the accounting record. In this process, the bank system compares the payment amount of the payment request instruction with the balance of the corresponding merchant side in the trust property special account, and only allows the payment request when the balance is greater than the payment amount. This mechanism can effectively prevent merchants from excessively withdrawing funds, prevent account overdrafts, ensure that the funds in the trust property special account are always sufficient, ensure the safety of prepaid funds, and maintain the stability of the entire prepaid consumption supervision system. Through strict balance review, the payment request operation is based on a reasonable fund basis, reducing the risk of default and financial risks that may be caused by insufficient funds. For consumers, their prepaid funds are more reliably protected, and for the entire trust-based prepaid consumption supervision system, it also reduces potential systemic risks. In addition, once it is confirmed that the payment request is allowed, the bank system will immediately generate an accounting record and feedback to the prepaid treasure platform. This timely response mechanism enables the merchant's payment request process to proceed quickly, reducing the waiting time during the payment request process.

[0043] In addition, in another feasible embodiment, to ensure the security of data transmission, the bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds the accounting record back to the prepaid treasure platform, which may also include: The bank system compares the payment amount of the payment request instruction with the prepaid fund balance corresponding to the merchant under the trust property special account to determine whether the payment request is allowed; if the prepaid fund balance is greater than the payment amount, the payment request is allowed, and an accounting record corresponding to the payment request instruction is generated; the bank system determines the shared data of the accounting record based on the preset payment request agreement with the prepaid treasure platform to extract the keywords of the shared data to generate an index set, and determines to generate an encryption private key based on the identity information and attribute information of the prepaid treasure platform, so as to encrypt the index set and the shared data except the keyword according to the encryption private key to obtain a first ciphertext set; the index set and the first ciphertext set are sent to the prepaid treasure platform, and the prepaid treasure platform generates a corresponding decryption private key based on its own identity information and attribute information and a preset key generation rule to decrypt the first ciphertext set to obtain the decrypted data; the decrypted data is index matched based on the existing index set of the prepaid treasure platform to obtain the accounting record corresponding to the payment request instruction, so as to quickly realize the merchant's payment request according to the accounting record.

[0044] That is, in the above process, the bank system determines and generates an encryption private key based on the identity information of the prepaid treasure platform, such as the platform registration number, and attribute information, such as the platform type, reputation level, etc., using a specific encryption algorithm. Then, the index set and the shared data other than the keywords are encrypted using this encryption private key to obtain the first ciphertext set. This effectively prevents the data from being stolen or tampered with during transmission, and ensures the security of sensitive information such as accounting records. In addition, the generation of the encryption private key is based on the identity information and attribute information of the prepaid treasure platform, which increases the pertinence and security of encryption. Only the prepaid treasure platform with the corresponding identity information and attribute information can generate a decryption private key for decryption according to the pre-set key generation rules, further enhancing the confidentiality of the data. Once it is determined that the request for payment is allowed, the bank system immediately generates an accounting record and performs subsequent encryption and transmission operations. The prepaid treasure platform can quickly receive and decrypt data. Through index matching, the bank system and the prepaid treasure platform can accurately identify and associate the accounting records corresponding to the request for payment instructions, thereby quickly realizing the merchant-side request for payment. This efficient processing flow reduces the waiting time in the request for payment process and improves the efficiency of fund use.

[0045] S203: The prepaid treasure platform enables the merchant to request payment based on the accounting records fed back by the bank system.

[0046] The Prepaid Treasure platform will enable merchants to request payment based on the accounting records fed back by the bank system. That is, as long as Prepaid Treasure receives the accounting records fed back by the bank system, it can issue the amount corresponding to the merchant's payment request instruction, shortening the payment transaction time and helping to improve user satisfaction during prepaid consumption.

[0047] S204: The bank system creates a batch transfer task for the payment request instructions that have been fed back but not processed, and initiates a batch process at a preset time interval to store the payment request bills corresponding to the unprocessed payment request instructions into the corresponding business private table.

[0048] The bank system in the embodiment of the invention will create a batch transfer online task for the payment request instructions that have been fed back and not processed, and start a batch processing at a preset time interval to store the payment request bills corresponding to the unprocessed payment request instructions in the corresponding business private table, and then configure the data in the business private table based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the arrival of funds. By starting the batch transfer online technology processing based on the preset time interval by the above-mentioned bank system, a large number of businesses can be centrally processed on a regular basis, which improves processing efficiency, reduces the time and cost of manual operation, increases the speed of capital circulation, and avoids capital backlog or delay caused by untimely processing.

[0049] S205: configuring the data in the business private table based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the receipt of funds.

[0050] Specifically, in one or more embodiments of the present invention, the data in the business private table is configured based on the preset configuration request message table to process the unprocessed payment request bills one by one to achieve the receipt of funds, specifically: The bank system will create a batch transfer online task for the payment request instructions that have been fed back but not processed, and start a batch processing at a preset time interval, so as to store the payment request bills corresponding to the unprocessed payment request instructions in the corresponding business private table. In order to determine that each payment request bill in the business private table can request the corresponding data of the bank system, the prepaid treasure platform will configure the data in the business private table based on the field mapping rules of the configuration request message table to obtain the request message.

[0051] Then add the request message to the message queue to obtain the request messages in the message queue in turn, and determine the insertion node corresponding to each field information in the request message according to the preset node attribute configuration table of the prepaid treasure. Among them, it should be noted that the insertion node can be understood as the specific location or slot in the bank system for receiving these field information. For example: There is a "request amount" field in the request message. According to the preset node attribute configuration table, it is determined that the field information should be inserted into the location named "amount receiving area" in the API interface of the head office of the bank system.

[0052] After the insertion node is determined, the insertion node will be matched with the head office API interface field of the bank system to ensure that the data of the request message can be accurately delivered to the appropriate location in the bank system. After the match is successful, the prepaid treasure platform will interact with the request message and the head office API interface of the bank system. The bank system will process the request message and return the processing result. Then the prepaid treasure platform will parse the processing result returned by the bank system according to the bank's preset node attribute configuration table to update the parsing result to the business private table and complete the funds processing.

[0053] In this process, the bank system creates a batch transfer task, starts a batch processing at a preset time interval, and stores the payment request bills corresponding to the unprocessed payment request instructions in the business private table. This batch processing method can process multiple payment request bills at the same time, avoiding the tediousness of processing one by one, greatly improving the efficiency of data processing, and reducing the consumption of processing time and system resources. The processing results returned by the bank system are updated to the business private table, so that the business private table can reflect the processing status of the payment request bill in real time to realize the arrival of funds.

[0054] Furthermore, in order to ensure the accuracy of funds arriving, the prepaid treasure platform and the bank system perform reconciliation operations based on the preset reconciliation frequency. Therefore, in one or more embodiments of the present invention, the data in the business private table is configured based on the preset configuration request message table to process the unprocessed payment request bills one by one. After the funds arrive, the system is also used to: Based on the preset reconciliation time and preset reconciliation rules, the prepaid treasure platform and the bank system reconcile the accounting records of the prepaid treasure platform with the business private table of the bank system to obtain the reconciliation results; the prepaid treasure platform and the bank system reconcile according to the preset reconciliation time and rules, and can comprehensively compare the accounting records of the prepaid treasure platform with the business private table of the bank system. This meticulous verification can timely discover errors that may occur in the process of funds arriving, such as inconsistent amounts, missing or repeated transaction records, etc. If it is determined that there is erroneous data based on the reconciliation results, the erroneous data will be sent to the corresponding processing terminal for secondary review of the erroneous data according to the corresponding processing terminal. This double review mechanism can further verify the authenticity and accuracy of the erroneous data and avoid unnecessary operations caused by misjudgment. Then, according to the review results, the payment request instructions corresponding to the erroneous data are processed to synchronize the business private table and the accounting records. According to the review results, the payment request instructions corresponding to the erroneous data are processed in a timely manner, which quickly solves the problems in the process of funds arriving.

[0055] Furthermore, in one or more embodiments of the present invention, the banking system may also be used for: The capital flow path records the process of capital flowing from consumers to merchants, so the banking system determines the capital source data corresponding to the merchant end based on the capital flow path of the merchant end. Then, multiple data points are randomly selected from the capital source data as the initial cluster center of the capital source data, and the new cluster center is determined based on the distance from each capital source data to the initial cluster center. It can be understood that the farther the distance from the initial cluster center, the more likely it is to become a new cluster center.

[0056] The required dimensions are determined according to the data information contained in the source of funds data, such as the consumption amount, consumption time, consumption frequency and other dimensions, to construct a KD tree containing the required dimensions of each source of funds data. It should be noted that the KD tree is a data structure for efficient search and storage of multidimensional spatial data, which can speed up the subsequent process of finding the distance between the data point and the cluster center. Then, according to the distance between each node in the KD tree and each newly added cluster center, the above-mentioned newly added cluster center is updated to obtain the current cluster center. Then, the mean of each source of funds data in the cluster corresponding to the current cluster center is obtained in each dimension, and the mean of each dimension is combined to determine the updated cluster center corresponding to the current cluster center, so as to iteratively update the updated cluster center to obtain the clustering result. By adding a dynamic cluster center selection strategy, the local optimal problem caused by the initial random center is avoided, and the accuracy of clustering is improved.

[0057] According to the clustering results, the common characteristics of the data in each cluster can be found, so as to determine multiple consumer feature labels, and determine the consumer portrait corresponding to the merchant side according to the consumer feature labels. Determine the consumer group corresponding to the consumer portrait, and determine the number of each consumer group according to the number of each cluster cluster. According to the weighted value corresponding to the consumption stability corresponding to each consumer group and the number of consumer groups, determine the revenue stability coefficient corresponding to each consumer group, which reflects the contribution of each consumer group to the merchant's revenue stability. Then, according to the trust center balance of the merchant in a continuous time, predict the change data of the merchant side within a preset period of time, and dynamically recommend the current optimal prepaid business to the merchant side according to the change data and the revenue stability coefficient corresponding to each consumer group. Determine the revenue stability coefficient according to the consumption stability and number of the consumer group, and quantify the contribution of each consumer group to the merchant's revenue stability. Merchants can evaluate the importance of different consumer groups based on this, identify the groups that play a key role in revenue stability, so as to take corresponding measures to maintain and expand these groups.

[0058] Furthermore, in one or more embodiments of the present invention, the banking system predicts the change data of the merchant terminal within a preset period of time based on the trust center balance of the merchant in a continuous period of time, and dynamically recommends the current optimal prepaid service to the merchant terminal based on the change data and the revenue stability coefficient corresponding to each consumer group, specifically: The trust center balance of the merchant in continuous time is input into the preset time series prediction model to predict the change data of the merchant within the preset time period. Based on the historical payment instructions of the merchant, the existing prepaid business of the merchant is determined, and then the existing prepaid business is filtered according to the change data to obtain the prepaid business to be recommended. For example, if it is predicted that the merchant will be short of funds in the future, some prepaid businesses that require a large amount of capital investment or occupy funds for a long time may be filtered out, and the remaining ones are the prepaid businesses to be recommended that are suitable for the current situation. Combine the revenue stability coefficient with the business evaluation indicators corresponding to each prepaid business to be recommended to determine the business attractiveness value corresponding to each prepaid business to be recommended. Determine the current optimal prepaid business among the prepaid businesses to be recommended based on the business attractiveness value, so as to recommend the current optimal prepaid business to the merchant.

[0059] In this process, the change data of the merchant trust center balance is predicted by the time series prediction model, which can fully take into account the dynamic changes of the merchant's funds. Then, based on this change data, prepaid services are screened and recommended, so that the recommended services can better adapt to the merchant's financial status within the preset time period, avoid difficulties or failures in business development due to financial problems, and improve the fit between the business and the actual situation of the merchant. The historical payment instructions on the merchant side are used to determine the existing prepaid services. This analysis method based on historical data can enable the bank system to have a clear understanding of the merchant's business history. Business recommendations are made on this basis, avoiding blind recommendations and making the recommendations more targeted and reasonable. The revenue stability coefficient and business evaluation indicators are combined to calculate the business attractiveness value, which comprehensively considers the factors of the consumer group and the characteristics of the business itself. It not only pays attention to the impact of the business on revenue stability, but also considers other aspects of the business, so as to more comprehensively and accurately evaluate the value of each prepaid business to be recommended, provide merchants with better business options, and ensure that merchants can always obtain the most suitable business recommendations for the current situation.

[0060] The embodiment of the present invention is based on the above system, and after the merchant and the consumer end register through the prepaid treasure platform, the secondary sub-account with the same account name corresponding to the merchant can be automatically opened through the bank system, without the merchant performing account opening operations, avoiding the problem of poor utilization rate caused by the complicated account opening procedures of the merchant. In addition, the prepaid funds circulate in the supervision account system throughout the process, ensuring the safety of funds. In addition, consumers can directly enter the consumption interface by scanning the code, and purchase services with one click, which is convenient and fast; and after each consumption by consumers, the supervision funds are directly transferred to the merchant's prepaid treasure account, without any operation by the merchant. When the merchant has a demand for the use of funds, it can apply for it with one click on the prepaid treasure platform. After the review is passed, the funds are directly transferred to the merchant's Alipay account, which is simple and easy to operate. In addition, the prepaid funds are deposited in the trust property special account under the bank system, and the bank provides asset custody and the trust prepaid funds management middle and platform system supervises the funds throughout the process, ensuring the safety of funds. At the same time, it avoids the situation where the prepaid funds are frozen by the judiciary when the merchant has a judicial dispute.

[0061] Each embodiment of the present invention is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0062] The above describes specific embodiments of the present invention. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the accompanying drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0063] The above description is only one or more embodiments of the present invention and is not intended to limit this specification. For those skilled in the art, one or more embodiments of the present invention may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present invention should be included in the scope of the claims of the present invention.

Claims

1. A trust-based prepaid consumption supervision method, characterized in that: Applied to: a trust-based prepaid consumption supervision system including a banking system, a trust prepaid funds management middle-office system and a prepaid treasure platform, the method includes: The merchant sends payment request operation information to the prepaid treasure platform; The bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds back the accounting record to the prepaid treasure platform; wherein the trust property special account corresponds to the trust prepaid funds management middle-end system, which is used to store and supervise the prepaid funds purchased by the consumer end corresponding to the merchant end; The prepaid treasure platform enables the merchant to request payment based on the accounting records fed back by the bank system; The bank system creates a batch transfer task for the payment request instructions that have been fed back and have not been processed, and initiates batch processing at a preset time interval to store the payment request bills corresponding to the unprocessed payment request instructions into the corresponding business private table; The data in the business private table is configured based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the receipt of funds.

2. A trust-based prepaid consumption supervision method according to claim 1, characterized in that: The data in the business private table is configured based on the preset configuration request message table to process the unprocessed payment request bills one by one to realize the arrival of funds, specifically: Based on the field mapping rule of the configuration request message table, configure the data in the business private table to obtain a request message; Add the request message to a message queue to sequentially obtain the request messages in the message queue, and determine the insertion node corresponding to each field information in the request message according to the pre-set node attribute configuration table of Yufubao; Based on the matching of the insertion node and the head office API interface field of the bank system, the request message is interacted with the head office API interface of the bank system to obtain the processing result of the request message; The processing result is parsed according to the bank's preset node attribute configuration table to update the parsing result to the business private table to complete the fund processing.

3. A trust-based prepaid consumption supervision method according to claim 2, characterized in that: The method further comprises: configuring the data in the business private table based on the preset configuration request message table to process the unprocessed payment request bills one by one and realizing the arrival of funds. The prepaid treasure platform and the bank system reconcile the accounting records of the prepaid treasure platform with the business private table of the bank system based on the preset reconciliation time and preset reconciliation rules to obtain the reconciliation result; If it is determined based on the reconciliation result that there is erroneous data, the erroneous data is sent to a corresponding processing terminal so that the erroneous data is reviewed again by the corresponding processing terminal; According to the audit result, the payment request instruction corresponding to the erroneous data is processed to synchronize the business private table with the accounting record.

4. A trust-based prepaid consumption supervision method according to claim 1, characterized in that: Before the merchant sends the payment request operation information to the prepaid treasure platform, the method further includes: The prepaid treasure platform synchronizes the basic information of the merchant terminal to the bank system based on the trust prepaid funds management middle platform system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system; The prepaid treasure platform receives the order information of the consumer end to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name; The trust prepaid funds management middle-office system verifies the order information with the funds arrival information of the secondary sub-account with the same account name to transfer the prepaid funds to the trust property special account of the trust prepaid funds management middle-office system for prepaid funds supervision.

5. A trust-based prepaid consumption supervision method according to claim 4, characterized in that: The prepaid treasure platform receives the order information of the consumer end to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name, specifically: The prepaid treasure platform receives the order information of the consumer end, and determines the first order information located before the preset fund collection time and the second order information located after the preset fund collection time according to the timestamp corresponding to the order information; If the order information is the first order information, the first order information is summarized, and the prepaid funds corresponding to the first order information are determined according to the difference between the summarized first order information and the merchant's payment information on the same day corresponding to the order information, so as to divide the prepaid funds into the secondary sub-account with the same account name; If the order information is the second order information, the prepaid funds corresponding to the second order information will be allocated to the secondary sub-account with the same account name in real time.

6. A trust-based prepaid consumption supervision method according to claim 1, characterized in that: The merchant sends payment request operation information to the prepaid treasure platform, including: The prepaid treasure platform obtains the timestamp corresponding to the payment request operation information, compares the timestamp with the preset fund collection time, and determines the operation period corresponding to the current operation information; If the operation period is before the fund collection time, the prepaid treasure platform obtains the merchant's daily income and expenditure information to determine the merchant's daily revenue funds; Comparing the revenue funds of the day with the requested payment amount, if it is determined that the revenue funds of the day are greater than the requested payment amount, the prepaid treasure platform does not approve the requested payment operation information; If it is determined that the revenue funds for the day are less than the requested payment amount, the prepaid treasure platform passes the requested payment operation information; If the operation period is after the fund collection time, the prepaid treasure platform generates a payment request instruction according to the payment request operation information and initiates a payment request to the bank system.

7. A trust-based prepaid consumption supervision method according to claim 6, characterized in that: If it is determined that the revenue funds for the day are greater than the requested payment amount, then after the prepaid treasure platform does not approve the requested payment operation information, the method further includes: The prepaid treasure platform returns the requested payment amount to the merchant based on the merchant's reserve fund account within the preset fund collection time; The prepaid treasure platform obtains the difference between the revenue funds of the day and the requested payment amount as the prepaid funds of the day, so as to divide the prepaid funds of the day into the secondary sub-account of the same account name of the merchant terminal under the bank system; The prepaid treasure platform uploads the daily collection information corresponding to the prepaid funds on the day to the trust prepaid funds management middle platform system; The trust prepaid funds management middle station verifies the daily collection information with the daily prepaid funds arrival information of the secondary sub-account with the same account name, so as to transfer the daily prepaid funds to the trust property special account of the trust prepaid funds management middle station system for prepaid funds supervision.

8. A trust-based prepaid consumption supervision method according to claim 1, characterized in that: The bank system determines the balance of the merchant in the trust property special account, generates an accounting record, and immediately feeds the accounting record back to the prepaid treasure platform, specifically: The bank system compares the payment amount of the payment request instruction with the balance corresponding to the merchant terminal under the trust property special account to determine whether to allow the payment request; If the balance is greater than the payment request amount, the payment request is allowed, and an accounting record corresponding to the payment request instruction is generated; The accounting record is immediately fed back to the prepaid treasure platform to quickly realize the payment request at the merchant end.

9. A trust-based prepaid consumption supervision system, characterized in that: The system includes: a banking system, a trust prepaid funds management middle platform system and a trust prepaid consumption supervision system of the prepaid treasure platform, among which: The prepaid treasure platform is used to receive payment request operation information sent by the merchant end; The bank system is used to determine the balance of the merchant in the trust property special account, generate an accounting record, and immediately feed back the accounting record to the prepaid treasure platform; wherein the trust property special account corresponds to the trust prepaid funds management middle platform system, which is used to store and supervise the prepaid funds purchased by the consumer end corresponding to the merchant end; The prepaid treasure platform is also used to realize merchant-side payment request based on the accounting records fed back by the bank system; The bank system is further used to create a batch transfer task for the payment request instructions that have been fed back and have not been processed, and initiate a batch processing at a preset time interval to store the payment request bills corresponding to the unprocessed payment request instructions in the corresponding business private table; The data in the business private table is configured based on the preset configuration request message table, so as to process the unprocessed payment request bills one by one and realize the receipt of funds.

10. A trust-based prepaid consumption supervision system according to claim 9, characterized in that: The prepaid treasure platform is also used to synchronize the basic information of the merchant terminal to the bank system based on the trust prepaid funds management middle platform system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system; The prepaid treasure platform is also used to receive the order information of the consumer end, so as to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name; The trust prepaid funds management middle-office system is used to verify the order information with the funds arrival information of the secondary sub-account with the same account name, so as to transfer the prepaid funds to the trust property special account of the trust prepaid funds management middle-office system for prepaid funds supervision.

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