Trust-based Prepaid Consumption Supervision System and Method

Abstract

An embodiment of the present invention discloses a trust-based prepaid consumption supervision system and method, which relates to the technical field of prepaid consumption software and is used to solve the problem that the existing single-level supervision of prepaid funds poses a risk to fund security. The system includes: a bank system, a trust prepaid fund management middle platform system, and a prepaid treasure platform; among them, the prepaid treasure platform is used to receive the payment request operation information from the merchant side, the bank system is used to determine the balance of the merchant in the trust property special account, generate accounting records and feedback them to the prepaid treasure platform, and the prepaid treasure platform is also used to realize the payment request from the merchant side accordingly; among them, the trust property special account corresponds to the trust prepaid fund management middle platform system and is used to store the prepaid funds purchased by the supervised consumer side corresponding to the merchant side; the bank system is also used to create a batch transfer to online task for the payment request instructions that have been feedback with accounting records and not processed, batch process the payment bills at a preset interval, and finally realize the fund arrival.

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:

[0006] 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:

[0007] The merchant sends payment request operation information to the prepaid treasure platform;

[0008] 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;

[0009] The prepaid treasure platform enables the merchant to request payment based on the accounting records fed back by the bank system;

[0010] The bank system creates a batch transfer to online task for the outstanding payment instructions with feedback accounting records but not yet processed, and starts batch processing once at a preset time interval to store the payment bills corresponding to the outstanding payment instructions into the corresponding business private table;

[0011] Based on the preset configuration request message table, configure the data in the business private table to process each outstanding payment bill one by one to achieve fund arrival.

[0012] Optionally, in one or more embodiments of the present invention, the configuring the data in the business private table based on the preset configuration request message table to process each outstanding payment bill one by one to achieve fund arrival is specifically as follows:

[0013] Based on the field mapping rules of the configuration request message table, configure the data in the business private table to obtain a request message;

[0014] Add the request message to the message queue to sequentially obtain the request messages in the message queue, and determine the insertion nodes corresponding to each field information in the request message according to the prepayment treasure preset node attribute configuration table;

[0015] Based on the matching between the insertion nodes and the head office API interface fields of the bank system, interact the request message with the head office API interface of the bank system to obtain the processing result of the request message;

[0016] Parse the processing result according to the bank preset node attribute configuration table to update the parsing result to the business private table to complete fund processing.

[0017] Optionally, in one or more embodiments of the present invention, after the configuring the data in the business private table based on the preset configuration request message table to process each outstanding payment bill one by one to achieve fund arrival, the method further includes:

[0018] The prepayment treasure platform and the bank system perform a reconciliation operation on the accounting records of the prepayment treasure platform and the business private table of the bank system based on the preset reconciliation time and preset reconciliation rules to obtain a reconciliation result;

[0019] If it is determined based on the reconciliation result that there is incorrect data, send the incorrect data to the corresponding processing terminal to perform secondary verification on the incorrect data according to the corresponding processing terminal;

[0020] According to the verification result, process the payment instruction corresponding to the incorrect data to synchronize the business private table and the accounting record.

[0021] Optionally, in one or more embodiments of the present invention, before the merchant terminal sends the payment request operation information to the prepaid treasure platform, the method further includes:

[0022] Based on the trust prepaid fund management middle platform system, the prepaid treasure platform synchronizes the basic information of the merchant terminal to the bank system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system;

[0023] The prepaid treasure platform receives the order information of the consumer terminal to allocate the prepaid funds corresponding to the order information to the secondary sub-account with the same account name;

[0024] The trust prepaid fund management middle platform system checks the order information and the fund 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 fund management middle platform system for prepaid fund supervision.

[0025] Optionally, in one or more embodiments of the present invention, the prepaid treasure platform receives the order information of the consumer terminal to allocate the prepaid funds corresponding to the order information to the secondary sub-account with the same account name, specifically:

[0026] The prepaid treasure platform receives the order information of the consumer terminal to determine the first order information before the preset fund collection time and the second order information after the preset fund collection time according to the time stamp corresponding to the order information;

[0027] 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 daily outgoing account information of the merchant terminal corresponding to the order information, so as to allocate the prepaid funds to the secondary sub-account with the same account name;

[0028] If the order information is the second order information, the prepaid funds corresponding to the second order information are allocated to the secondary sub-account with the same account name in real time.

[0029] Optionally, in one or more embodiments of the present invention, the merchant terminal sends the payment request operation information to the prepaid treasure platform, including:

[0030] The prepaid treasure platform obtains the time stamp corresponding to the payment request operation information to compare the time stamp with the preset fund collection time to determine the operation period corresponding to the current situation operation information;

[0031] If the operation period is before the fund collection time, the prepaid treasure platform obtains the daily income and expenditure information of the merchant terminal to determine the daily revenue funds of the merchant terminal;

[0032] Compare the daily revenue funds with the amount requested for payment. If it is determined that the daily revenue funds are greater than the amount requested for payment, the prepayment platform will not approve the payment request operation information;

[0033] If it is determined that the daily revenue funds are less than the amount requested for payment, the prepayment platform will approve the payment request operation information;

[0034] If the operation period is after the fund collection time, the prepayment platform will generate a payment request instruction based on the payment request operation information and initiate a payment request to the banking system.

[0035] Optionally, in one or more embodiments of the present invention, if it is determined that the daily revenue funds are greater than the amount requested for payment, after the prepayment platform does not approve the payment request operation information, the method further includes:

[0036] The prepayment platform returns the amount requested for payment to the merchant terminal based on the reserve fund account of the merchant terminal within the preset fund collection time;

[0037] The prepayment platform obtains the difference between the daily revenue funds and the amount requested for payment as the daily prepayment funds, and divides the daily prepayment funds into a secondary sub-account with the same name under the merchant terminal of the banking system;

[0038] The prepayment platform uploads the daily collection information corresponding to the daily prepayment funds to the trust prepayment fund management middle platform system;

[0039] The trust prepayment fund management middle platform verifies the daily collection information and the daily prepayment fund arrival information of the secondary sub-account with the same name, and transfers the daily prepayment funds to the trust property special account of the trust prepayment fund management middle platform system for prepayment fund supervision.

[0040] Optionally, in one or more embodiments of the present invention, the banking system determines the balance of the merchant in the trust property special account, generates a bookkeeping record, and immediately feeds back the bookkeeping record to the prepayment platform, specifically:

[0041] The banking system compares the amount requested for payment in 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;

[0042] If the balance is greater than the amount requested for payment, the payment request is allowed, and a bookkeeping record corresponding to the payment request instruction is generated;

[0043] The bookkeeping record is immediately fed back to the prepayment platform to quickly realize the payment request of the merchant terminal.

[0044] One or more embodiments of the present invention provide a trust-based prepaid consumption supervision system, which includes: a bank system, a trust prepaid fund management middle platform system, and a prepaid treasure platform. Among them,

[0045] The prepaid treasure platform is used to receive the payment request operation information sent by the merchant terminal;

[0046] The bank system is used to determine the balance of the merchant in the trust property special account, generate a bookkeeping record, and immediately feedback the bookkeeping record to the prepaid treasure platform; among them, the trust property special account corresponds to the trust prepaid fund management middle platform system and is used to store the prepaid funds purchased by the supervised consumer side corresponding to the merchant side;

[0047] The prepaid treasure platform is also used to realize the payment request of the merchant terminal based on the bookkeeping record feedback by the bank system;

[0048] The bank system is also used to create a batch transfer to online task for the unprocessed payment request instructions with the bookkeeping record already feedback, and start batch processing once at a preset time interval to store the payment bills corresponding to the unprocessed payment request instructions into the corresponding business private table;

[0049] Based on the preset configuration request message table, configure the data in the business private table to process the unprocessed payment bills one by one to realize the arrival of funds.

[0050] Optionally, in one or more embodiments 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 fund management middle platform system, so as to establish a second-level sub-account with the same account name corresponding to the merchant terminal based on the bank system;

[0051] The prepaid treasure platform is also used to receive the order information of the consumer side to divide the prepaid funds corresponding to the order information into the second-level sub-account with the same account name;

[0052] The trust prepaid fund management middle platform system is used to check the order information and the arrival information of the funds in the second-level sub-account with the same account name, and transfer the prepaid funds to the trust property special account of the trust prepaid fund management middle platform system for prepaid fund supervision.

[0053] The above at least one technical solution adopted in the embodiments of the present invention can achieve the following beneficial effects:

[0054] 1. This process does not require the merchant to open a new bank card, avoiding the problem of forcing the merchant to open a new bank card, which helps to alleviate the resistance of the merchant to the promotion of prepaid consumption.

[0055] 2. By integrating the trust prepaid fund management middle - desk system, the prepaid funds can be stored in the special trust property account for supervision, preventing losses to consumers caused by merchant operation risks such as merchant bankruptcy or running away, and preventing the property from being subject to enforcement. This achieves the regulatory objectives of risk isolation and independent security for prepaid funds. It also avoids the problem that the existing supervision of prepaid funds is 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.

[0056] 3. When the bank system processes the payment request instruction, it will judge based on the balance of the special trust property account and only allow the payment within a reasonable range, avoiding excessive fund withdrawal by merchants and further ensuring the security and stability of funds.

[0057] 4. By using the batch - to - online technology of the bank system to process payment request instructions, a large number of transactions can be processed centrally at the same time, improving the processing efficiency, reducing the time and cost of manual operations, and enhancing the speed of capital flow to achieve the effect of batch data synchronization and feedback. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] In order to more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings described below are only some embodiments recorded in this specification. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings. In the drawings:

[0059] Figure 1 is a schematic diagram of a trust - type prepaid consumption supervision system provided by an embodiment of the present invention;

[0060] Figure 2 is a schematic flow diagram of a trust - type prepaid consumption supervision method provided by an embodiment of the present invention;

[0061] Figure 3 is a schematic flow diagram of the fund inflow process for prepaid card purchase at the consumer end in an application scenario provided by an embodiment of the present invention;

[0062] Figure 4 is a schematic flow diagram of the fund outflow process for consumption verification at the consumer end in an application scenario provided by an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0063] Embodiments of the present invention provide a trust - type prepaid consumption supervision system and method.

[0064] To enable those skilled in the art to better understand the technical solutions in this specification, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0065] The embodiments of the present invention propose a trust-based prepaid consumption supervision system and method. By establishing a secondary sub-account with the same name for the merchant, the problem of forcing the merchant to open a new bank card is avoided. And by adding a trust prepaid fund management middle platform system, the prepaid funds can be stored in a trust property special account for supervision, preventing losses to consumers caused by merchant operation risks such as merchant bankruptcy or running away, and preventing the property of forced execution, achieving the supervision purpose of risk isolation and independent security of the prepaid funds. Through the batch transfer online technology of the bank system to process the payment request instructions, a large number of transactions can be processed centrally at the same time, improving the processing efficiency, reducing the time and cost of manual operations, and enhancing the capital turnover speed to achieve the effect of instant arrival. Specifically, as Figure 1 shown, the embodiments of the present invention provide a schematic diagram of a trust-based prepaid consumption supervision system. As Figure 1 known, in one or more embodiments of the present invention, a trust-based prepaid consumption supervision system includes: a bank system, a trust prepaid fund management middle platform system, and a prepaid treasure platform.

[0066] In this system, when the merchant terminal needs to obtain the funds previously deposited by consumers, the merchant terminal needs to send a payment request operation message to the prepaid treasure platform. At this time, the bank system is used to determine the balance of the merchant in the trust property special account and generate a bookkeeping record to immediately feedback the bookkeeping record to the prepaid treasure platform. Here, it should be noted that the trust property special account corresponds to the trust prepaid fund management middle platform system and is used to store and supervise the prepaid funds purchased by the consumer side corresponding to the merchant side. That is, by adding a trust prepaid fund management middle platform system to the trust-based prepaid consumption supervision system in this specification, the situation that the existing prepaid fund supervision is limited to the management of funds by the third-party payment platform and the bank side, lacking a fund guarantee mechanism and unable to realize the information flow push of multiple platforms is avoided. Through the trust prepaid fund management middle platform 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 property of preventing other forced executions, the purpose of risk isolation and independent supervision of the prepaid funds is achieved. Thus, the problem of losses of prepaid funds such as judicial freezing and deduction only based on the merchant's special account in the existing environment when there are merchant operation risks such as merchant bankruptcy and "running away" is avoided.

[0067] Then, the Prepaid Treasure platform will implement the merchant's request for payment according to 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 release the amount corresponding to the merchant's request for payment instruction, which shortens the time of the request for payment transaction and helps to improve the satisfaction of users during the prepaid consumption process.

[0068] After the above-mentioned Prepaid Treasure platform implements the merchant's request for payment, although the bank system has told the Prepaid Treasure platform the accounting records, some requests for payment instructions have not been processed yet. If there are a large number of current requests for payment instructions, that is, in the case of batch requests for payment instructions, the existing single-to-single connection processing method where the payment platform initiates a request for payment instruction and the bank side processes a corresponding instruction has low timeliness. Therefore, to solve the problem that multiple requests for payment instructions cannot be synchronously fed back. In the embodiment of the present invention, the bank system will create a batch transfer to online task for the requests for payment instructions with the accounting records already fed back and not processed, and start a batch process at a preset time interval to store the payment bills corresponding to the unprocessed requests for payment instructions into 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 each unprocessed payment bill one by one and realize the arrival of funds. Through the above-mentioned bank system starting the batch transfer to online technology process based on the preset time interval, it can centrally process a large number of operations regularly, improve the processing efficiency, reduce the time and cost of manual operations, increase the speed of capital turnover, and avoid the backlog or delay of funds caused by untimely processing.

[0069] Further, in an embodiment of the present invention, the Prepaid Treasure platform is further configured to synchronize the basic information of the merchant side to the bank system based on the trust prepaid fund management middle platform system, so as to establish a second-level sub-account with the same account name corresponding to the merchant side based on the bank system;

[0070] The Prepaid Treasure platform is further configured to receive the order information of the consumer side to divide the prepaid funds corresponding to the order information into the second-level sub-account with the same account name;

[0071] The trust prepaid fund management middle platform system is configured to check the order information and the arrival information of the funds in the second-level sub-account with the same account name, so as to transfer the prepaid funds to the trust property special account of the trust prepaid fund management middle platform system for prepaid fund supervision.

[0072] As Figure 2 shown, the embodiment of the present invention also provides a schematic flow chart of a trust-based prepaid consumption supervision method. As Figure 2 can be seen, in one or more embodiments of the present invention, a trust-based prepaid consumption supervision method includes:

[0073] S201: The merchant side sends request for payment operation information to the Prepaid Treasure platform.

[0074] Further, in one or more embodiments of the present invention, in order to avoid the problem of merchants' emotional resistance to prepaid consumption caused by forcibly requiring merchants to open new bank cards. Before the merchant terminal sends a fund request operation message to the Prepaid Treasure platform, the following process is further included:

[0075] First, based on the trust prepaid fund management middle platform system, the Prepaid Treasure platform synchronizes the basic information of the merchant terminal to the bank system, so as to establish a secondary sub-account with the same account name corresponding to the merchant terminal based on the bank system. For example: The merchant terminal 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 terminal to the trust prepaid fund management middle platform system through an interface, and then the trust prepaid fund management middle platform system will synchronize the basic information of the merchant terminal to the bank system, so that the bank system opens a secondary sub-account with the same account name for the merchant terminal. In addition, the merchant terminal and the trust prepaid fund management middle platform system complete the opening of the secondary sub-account with the same account name through an online signing operation. This process directly establishes a secondary sub-account with the same account name for the existing account of the merchant terminal based on the bank system, avoiding the problem of merchants' aversion caused by the existing platform's regulatory requirement for merchants to open a dedicated account in the bank.

[0076] As Figure 3 shown, when a consumer recharges to purchase a prepaid consumption service of the merchant terminal, for example, when the consumer purchases a prepaid card, the Prepaid Treasure platform will receive the order information of the consumer terminal, and thus divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name. Then, the trust prepaid fund management middle platform system will check the order information and the fund arrival information of the secondary sub-account 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 fund management middle platform system for prepaid fund supervision. By checking the order information and the fund arrival information of the secondary sub-account with the same account name through the trust prepaid fund management middle platform system, the security of the prepaid funds and the accuracy of the fund flow are effectively guaranteed, preventing fund misallocation or embezzlement, and ensuring the protection of consumers' rights and interests.

[0077] The above process clarifies the information interaction and fund transfer process among the Prepaid Treasure platform, the trust prepaid fund management middle platform system and the bank system, making the operation of the entire prepaid consumption supervision system smoother and more efficient, improving the management efficiency and service quality of the system, and avoiding the problem that the current single supervision level lacks a fund guarantee mechanism and cannot realize the information flow push of multiple platforms.

[0078] Specifically, in order to avoid the problem of inconsistency with the actual business revenue and expenditure that may be caused by simply dividing funds according to the order amount, ensure that the fund division matches the actual business situation of the merchant, and thus guarantee the authenticity and reliability of financial data. In one or more embodiments of the present invention, in the above process, the prepayment platform receives the order information of the consumer side to divide the prepayment funds corresponding to the order information into the second-level sub-accounts with the same account name, which is specifically realized through the following process:

[0079] The prepayment platform is used to receive the order information of the consumer side, so as to determine the first order information before the preset fund collection time and the second order information after the preset fund collection time according to the time stamp corresponding to the order information, that is, divide the order information into the first order information and the second order information according to the preset fund collection time. Adopting different processing methods for orders in different time periods can better adapt to different business scenarios and fund management requirements.

[0080] If it is determined through division that the order information is 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 prepayment funds corresponding to the first order information will be determined according to the difference between the summarized first order information and the daily outgoing account information of the merchant side corresponding to the order information, so as to divide the prepayment funds into the second-level sub-accounts with the same account name. For example: The preset fund collection time of the merchant side is 9 pm. At this time, if it is determined according to the first order information and the daily outgoing account information of the merchant side that consumers have recharged 1000 yuan and also withdrawn 500 yuan, then the difference between the first order information and the daily outgoing account information of the merchant side corresponding to the order information is 500 yuan. These 500 yuan will be used as the prepayment funds corresponding to each first order information on that day, and thus the prepayment funds will be collected into the second-level sub-accounts with the same account name, so as to transfer them to the trust property special account of the trust prepayment fund management middle platform system through the above prepayment fund supervision process. In this way, the overall business situation of the day can be comprehensively considered, funds can be flexibly allocated, and the use efficiency of funds and the accuracy of management can be improved. If the order information is the second order information, that is, after the preset fund collection time, then at this time, the prepayment platform will divide the prepayment funds corresponding to the second order information into the second-level sub-accounts with the same account name in real time.

[0081] During this process, the order information is classified according to the preset fund collection time, and different processing methods are adopted for orders in different periods. The first order information is summarized within the preset fund collection time, which reduces the number of fund division operations, eases 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, ensuring the timely arrival of funds, avoiding fund delays, making the entire fund transfer process smoother, and enhancing the fund transfer speed. By determining and collecting the prepaid funds to the secondary sub-account with the same account name in the above manner 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, strengthening the accuracy and effectiveness of fund supervision and ensuring the safety of prepaid funds.

[0082] Furthermore, to make the supervision of prepaid funds by the prepaid fund management middle platform system more targeted and thus better ensure the safety of prepaid funds. In one or more embodiments of the present invention, after transferring the prepaid funds to the trust property special account of the trust prepaid fund management middle platform system for prepaid fund supervision, the following process is also included:

[0083] To facilitate the intuitive presentation of the flow of funds between different links and accounts, the bank system statistically analyzed the fund circulation paths of each merchant terminal based on the preset interval, and thus drew a fund flow chart according to the fund circulation paths. Then, to comprehensively understand the source composition and usage direction of merchant funds, the bank system will also obtain the fund source distribution data and fund destination distribution data of the merchant terminal obtained from the fund flow chart. To facilitate the identification of abnormal fund change data at the merchant terminal by separately comparing the fund source distribution data and fund destination distribution data within multiple adjacent preset intervals. Since when abnormal fund changes occur, it may indicate that the merchant has business risks, illegal operations, or other potential problems. Therefore, the bank system takes 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. Based on the merchant terminal credit index, the first assignment and the second assignment are weighted to obtain the objective risk value of the fund risk data. Then, according to the preset interface, the subjective risk value of the fund risk data from multiple expert dimensions is obtained, and thus, according to the weighted value of the objective risk value and the subjective risk value, the trust risk value corresponding to the merchant terminal is determined. The trust risk value is uploaded to the trust prepaid fund management middle platform system so that the trust prepaid fund management middle platform system can conduct the supervision of prepaid funds based on the supervision strategy corresponding to the trust risk value. Since the trust risk value is dynamically calculated based on the fund flow situation, the supervision strategy can also be dynamically adjusted as the risk value changes. This enables the supervision to promptly adapt to the changes in the merchant's business conditions and always maintain the effective supervision of prepaid funds.

[0084] Further, since the initiating ends corresponding to different payment request operation information have different payment request verification processes, that is, there are differences in the verification processes of the consumer end and the merchant end, in one or more embodiments of the present invention, the following process is also executed to determine whether a payment request can be made:

[0085] The Yufubao platform receives the payment request operation information and determines the initiating end corresponding to the payment request operation information. At this time, if the initiating end is the consumer end, then the order information of the consumer end is called to determine the prepaid information of the consumer end. It can be understood that the prepaid information includes: prepaid conditions, prepaid resources, and total prepaid amount; then it is determined whether the payment request operation information is within the coverage of the above-mentioned prepaid conditions of the consumer end. If it is within the coverage of the prepaid conditions, the payment request operation information is complemented according to the prepaid resources and the total prepaid amount to obtain a payment request instruction, so as to make a payment request to the reserve fund account of the Yufubao platform. If it is not within the coverage of the prepaid conditions, it means that the payment request operation information of the consumer end is not compliant at this time, and no payment request is initiated at this time. As Figure 4 shown is the fund disbursement process of a payment request process corresponding to a consumer. At this time, the Yufubao platform will send the payment request instruction of the consumer at that time, that is, the refund information, to the trust prepaid fund management middle platform system, and then the trust prepaid fund management middle platform system transfers funds to the Yufubao platform through the bank and entrusts the Yufubao platform to return to the consumer end along the original path.

[0086] If the initiating end is the merchant end, then the Yufubao platform determines whether a payment request can be initiated according to the timestamp corresponding to the payment request operation information and the daily income and expenditure information of the merchant end of the Yufubao platform. The specific implementation process is the same as the process of the merchant end sending the payment request operation information to the Yufubao platform, and then the Yufubao platform generates a payment request instruction according to the payment request operation information and initiates a payment request to the bank system.

[0087] Due to the different business characteristics and requirements of the consumer end and the merchant end, different payment request verification processes are adopted, which can better adapt to the situations of different initiating ends. This differential processing method enables the Yufubao platform to flexibly handle various payment request scenarios, improves the adaptability and processing efficiency of the system, and provides services that better meet the needs of different users. Moreover, based on the above verification of the payment request operation information, uncompliant payment request behaviors are prevented, and the risk of fund losses caused by unreasonable payment requests is reduced.

[0088] Further, in one or more embodiments of the present invention, after the merchant terminal sends a fund request operation information to the prepayment treasure platform, the prepayment treasure platform also obtains the time stamp corresponding to the fund request operation information to compare the time stamp with the preset fund collection time, so as to determine the operation period corresponding to the current operation information. If the operation period at this time is before the fund collection time, then the prepayment treasure platform obtains the daily income and expenditure information of the merchant terminal and determines the daily revenue funds of the merchant terminal. Then, compare the daily revenue funds with the requested amount. If it is determined that the daily revenue funds are greater than the requested amount, then the prepayment treasure platform does not approve the fund request operation information at this time. On the contrary, if the daily revenue funds are less than the requested amount, the prepayment treasure platform approves the fund request operation information. If the operation period is after the fund collection time, then the prepayment treasure platform directly generates a fund request instruction according to the fund request operation information and initiates a fund request to the banking system. For example, assume that the preset fund collection time of a certain merchant terminal is 9:00 p.m. The prepayment treasure platform obtains the time stamp corresponding to the fund request operation information as 3:00 p.m. After comparing it with the preset fund collection time, it is determined that the operation period of the current fund request operation information is before the fund collection time. The prepayment treasure platform obtains the daily income and expenditure information of the merchant terminal. After statistics, the income as of 3:00 p.m. on the same day is 3,000 yuan and the expenditure is 500 yuan. Then the daily revenue funds = income - expenditure = 3,000 - 500 = 2,500 yuan. Compare the daily revenue funds of 2,500 yuan with the requested amount of 8,000 yuan. Since 2,500 yuan is less than 8,000 yuan, the prepayment treasure platform approves the fund request operation information. When the income is 10,000 yuan and the expenditure is 1,000 yuan, the daily revenue funds = 10,000 - 1,000 = 9,000 yuan. At this time, compare the daily revenue funds of 9,000 yuan with the requested amount of 8,000 yuan. Since 9,000 yuan is greater than 8,000 yuan, the prepayment treasure platform does not approve the fund request operation information.

[0089] Further, in one or more embodiments of the present invention, if it is determined that the daily revenue funds are greater than the requested amount, after the prepayment treasure platform does not approve the fund request operation information, it further includes:

[0090] Based on the reserve fund account of the merchant terminal within the preset fund collection time, the prepayment treasure platform returns the requested amount to the merchant terminal. At this time, the prepayment treasure platform obtains the difference between the daily revenue funds and the requested amount as the daily prepaid funds, so as to divide the daily prepaid funds into the secondary sub-account with the same name under the merchant terminal in the banking system; then the prepayment treasure platform uploads the daily collection information corresponding to the daily prepaid funds to the trust prepaid funds management middle platform system. The trust prepaid funds management middle platform verifies the daily collection information and the daily prepaid funds arrival information of the secondary sub-account with the same name, so as to transfer the daily prepaid funds to the trust property special account of the trust prepaid funds management middle platform system for prepaid funds supervision.

[0091] When it is determined that the daily revenue funds are greater than the amount requested for payment, and the Prepaid Treasure platform does not approve the payment request operation information, it will return the amount requested for payment to the merchant side from the merchant side's reserve fund 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 business difficulties caused by unreasonable occupation of funds, and guarantee the liquidity of merchants' funds. The Prepaid Treasure platform obtains the difference between the daily revenue funds and the amount requested for payment as the daily prepaid funds, and divides them into the same-name secondary sub-accounts of the merchant side under the banking system. This method can accurately determine the amount of prepaid funds that need to be supervised according to the actual revenue and payment request situation of the merchant, avoiding misclassification or over-occupation of funds, and improving the accuracy of prepaid fund management. The Prepaid Treasure platform uploads the daily collection information corresponding to the daily prepaid funds to the trust prepaid fund management middle platform system, and the middle platform system checks the daily collection information against the daily prepaid fund arrival information of the same-name secondary sub-account. Through this double-check mechanism, the accuracy and consistency of the fund information are ensured, preventing errors or misappropriation of funds.

[0092] S202: The banking system determines the balance of the merchant in the trust property special account, generates a bookkeeping record, and immediately feeds back the bookkeeping record to the Prepaid Treasure platform; wherein, the trust property special account corresponds to the trust prepaid fund management middle platform system and is used to store the prepaid funds purchased by the supervised consumer side corresponding to the merchant side.

[0093] The banking system is used to determine the balance of the merchant in the trust property special account, generate a bookkeeping record, and immediately feed back the bookkeeping record to the Prepaid Treasure platform. Based on the above system description, it can be known that the trust property special account corresponds to the trust prepaid fund management middle platform system and is used to store the prepaid funds purchased by the supervised consumer side corresponding to the merchant side.

[0094] Specifically, in one or more embodiments of the present invention, the process by which the banking system determines the balance of the merchant in the trust property special account, generates a bookkeeping record, and immediately feeds back the bookkeeping record to the Prepaid Treasure platform is as follows:

[0095] The banking system will compare the amount of the reimbursement request in the received reimbursement request instruction with the balance corresponding to the merchant side in the special account for trust property to determine whether to allow the reimbursement. If the balance is greater than the amount of the reimbursement request, the reimbursement is allowed, and the accounting record corresponding to the reimbursement request instruction is generated. The accounting record is immediately fed back to the Yufubao platform. After the Yufubao platform receives the accounting record, the reimbursement of the merchant side is thus expedited. In this process, the banking system compares the amount of the reimbursement request in the reimbursement request instruction with the balance of the corresponding merchant side in the special account for trust property, and only when the balance is greater than the amount of the reimbursement request is the reimbursement allowed. This mechanism can effectively prevent merchants from over-withdrawing funds, prevent the occurrence of account overdrafts, ensure that the funds in the special account for trust property are always sufficient, safeguard the safety of the prepaid funds, and maintain the stability of the entire prepaid consumption supervision system. Through strict balance review, the reimbursement operation is based on a reasonable fund basis, reducing the default risk and financial risk that may be caused by insufficient funds. For consumers, the funds they prepaid are more reliably guaranteed, and for the entire trust-based prepaid consumption supervision system, the potential systemic risk is also reduced. In addition, once it is determined that the reimbursement is allowed, the banking system immediately generates an accounting record and feeds it back to the Yufubao platform. This timely response mechanism enables the reimbursement process of the merchant side to be quickly promoted, reducing the waiting time in the reimbursement process.

[0096] In addition, in another feasible embodiment, to ensure the security of data transmission, the banking system determines the balance of the merchant in the special account for trust property, generates an accounting record, and immediately feeds the accounting record back to the Yufubao platform. Specifically, it may further include:

[0097] The banking system compares the amount of the reimbursement request in the reimbursement request instruction with the prepaid fund balance corresponding to the merchant side under the special account for trust property to determine whether to allow the reimbursement; if the prepaid fund balance is greater than the amount of the reimbursement request, the reimbursement is allowed, and the accounting record corresponding to the reimbursement request instruction is generated; the banking system determines the shared data of the accounting record based on the preset reimbursement agreement with the Yufubao platform, extracts the keywords of the shared data to generate an index set, and determines the generation of an encryption private key according to the identity information and attribute information of the Yufubao platform, so as to encrypt the index set and the shared data except the keywords with the encryption private key to obtain the first ciphertext set; the index set and the first ciphertext set are sent to the Yufubao platform, and the Yufubao platform generates a corresponding decryption private key according to its own identity information and attribute information and the preset key generation rule to decrypt the first ciphertext set to obtain the decrypted data; based on the existing index set of the Yufubao platform, index matching is performed on the decrypted data to obtain the accounting record corresponding to the reimbursement request instruction, so as to quickly realize the reimbursement of the merchant side according to the accounting record.

[0098] That is, in the above process, the banking system determines and generates an encrypted private key according to the identity information of the prepayment treasure platform, such as the platform registration number, and the attribute information, such as the platform type and credit rating, by using a specific encryption algorithm. Then, this encrypted private key is used to encrypt the index set and the shared data except for the keywords, obtaining the first ciphertext set. This effectively prevents the data from being stolen or tampered with during the transmission process, ensuring the security of sensitive information such as accounting records. Moreover, the generation of the encrypted private key is based on the identity information and attribute information of the prepayment treasure platform, increasing the pertinence and security of encryption. Only the prepayment treasure platform with the corresponding identity information and attribute information can generate a decryption private key according to the pre-set key generation rules for decryption, further enhancing the confidentiality of the data. Once it is determined to allow the cash withdrawal request, the banking system immediately generates an accounting record and performs subsequent encryption and transmission operations. The prepayment treasure platform can quickly receive and decrypt the data. Through index matching, the banking system and the prepayment treasure platform can accurately identify and associate the accounting record corresponding to the cash withdrawal instruction, thus quickly realizing the cash withdrawal request at the merchant side. This efficient processing flow reduces the waiting time during the cash withdrawal process and improves the utilization efficiency of funds.

[0099] S203: The prepayment treasure platform realizes the cash withdrawal request at the merchant side based on the accounting record fed back by the banking system.

[0100] The prepayment treasure platform will realize the cash withdrawal request at the merchant side according to the accounting record fed back by the banking system. That is, the prepayment treasure is used to release the amount corresponding to the merchant cash withdrawal instruction as long as it receives the accounting record fed back by the banking system, shortening the cash withdrawal transaction time and helping to improve the satisfaction of users during the prepayment consumption process.

[0101] S204: The banking system creates a batch transfer to online task for the cash withdrawal instructions that have fed back the accounting record and are not processed, and starts a batch process at a preset time interval to store the cash withdrawal bills corresponding to the unprocessed cash withdrawal instructions into the corresponding business private table.

[0102] In the invention embodiment, the banking system will create a batch transfer to online task for the cash withdrawal instructions that have fed back the accounting record and are not processed, start a batch process at a preset time interval to store the cash withdrawal bills corresponding to the unprocessed cash withdrawal instructions into 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 each unprocessed cash withdrawal bill one by one to realize the fund arrival. Through the above-mentioned banking system starting the batch transfer to online technology process at a preset time interval, it can centrally process a large number of operations regularly, improve the processing efficiency, reduce the time and cost of manual operations, increase the fund transfer speed, and avoid the fund backlog or delay caused by untimely processing.

[0103] S205: Configure the data in the service private table based on the preset configuration request message table to process the outstanding payment bills one by one and achieve fund arrival.

[0104] Specifically, in one or more embodiments of the present invention, configuring the data in the service private table based on the preset configuration request message table to process the outstanding payment bills one by one and achieve fund arrival is specifically as follows:

[0105] The banking system will create a batch transfer to online task for the outstanding payment instructions that have been fed back with accounting records and have not been processed, and start a batch process at a preset time interval. After storing the payment bills corresponding to the outstanding payment instructions in the corresponding service private table, in order to determine that each payment bill in the service private table can request the corresponding data of the banking system, the Yufubao platform will configure the data in the service private table based on the field mapping rules of the configuration request message table to obtain a request message.

[0106] Then add the request message to the message queue to sequentially obtain the request messages in the message queue, and determine the insertion nodes corresponding to each field information in the request message according to the preset node attribute configuration table of Yufubao. It should be noted that the insertion node can be understood as the specific position or slot in the banking system that receives this field information. For example: there is a "payment amount" field in the request message, and according to the preset node attribute configuration table, it is determined that this field information should be inserted into the position named "amount receiving area" in the API interface of the head office of the banking system.

[0107] After determining the insertion node, match the insertion node with the fields of the API interface of the head office of the banking system to ensure that the data of the request message can be accurately transmitted to the appropriate position in the banking system. After successful matching, the Yufubao platform will interact with the API interface of the head office of the banking system, and the banking system will process the request message and return the processing result. Then the Yufubao platform will parse the processing result returned by the banking system according to the preset node attribute configuration table of the bank to update the parsing result to the service private table and complete the fund processing.

[0108] In this process, the banking system creates a batch transfer to online task and starts a batch process at a preset time interval to store the payment bills corresponding to the outstanding payment instructions in the service private table. This batch processing method can process multiple payment bills at the same time, avoiding the tediousness of processing one by one, greatly improving the efficiency of data processing, and reducing the processing time and consumption of system resources. Updating the processing result returned by the banking system to the service private table enables the service private table to reflect the processing status of the payment bill in real time and achieve fund arrival.

[0109] Further, to ensure the accuracy of fund arrival, the Yufubao platform and the bank system perform reconciliation operations based on a preset reconciliation frequency. Therefore, in one or more embodiments of the present invention, data in the business private table is configured based on a preset configuration request message table to process the outstanding payment bills item by item. After the funds arrive, the system is further configured to:

[0110] The Yufubao platform and the bank system perform a reconciliation operation on the accounting records of the Yufubao platform and the business private table of the bank system based on a preset reconciliation time and preset reconciliation rules to obtain a reconciliation result; the Yufubao platform and the bank system perform a reconciliation operation according to the preset reconciliation time and rules, which can comprehensively compare the accounting records of the Yufubao platform and the business private table of the bank system. This detailed check can promptly detect possible errors in the process of fund arrival, such as inconsistent amounts, missing or duplicate transaction records, etc. If it is determined according to the reconciliation result that there are error data, the error data is sent to the corresponding processing terminal for secondary verification of the error data according to the corresponding processing terminal. This double-verification mechanism can further verify the authenticity and accuracy of the error data and avoid unnecessary operations caused by misjudgment. Then, according to the verification result, the payment instruction corresponding to the error data is processed to synchronize the business private table and the accounting record. Processing the payment instruction corresponding to the error data in a timely manner according to the verification result quickly solves the problems that occur in the process of fund arrival.

[0111] Further, in one or more embodiments of the present invention, the bank system can also be used for:

[0112] The fund circulation path records the process of funds flowing from consumers to merchants. Therefore, the bank system determines the fund source data corresponding to the merchant end according to the fund circulation path of the merchant end. Then, multiple data points are randomly selected from the fund source data as the initial cluster centers of the fund source data, and new cluster centers are determined according to the distances from each fund source data to the initial cluster centers. 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.

[0113] Determine the required dimensions based on the data information contained in the funding source data. For example, the dimensions may include consumption amount, consumption time, consumption frequency, etc., to construct a KD tree that includes the required dimensions of each funding source data. It should be noted that the KD tree is a data structure used for efficient search and storage of multi-dimensional space data, which can accelerate the subsequent process of finding the distance between data points and cluster centers. Then, update the above-mentioned newly added cluster centers according to the distances between each node in the KD tree and each newly added cluster center to obtain the current cluster centers. Then, obtain the mean values of each funding source data in each dimension in the cluster corresponding to the current cluster center, combine the mean values of each dimension, determine the updated cluster center corresponding to the current cluster center, and iteratively update the updated cluster center to obtain the clustering result. By adding a dynamic cluster center selection strategy, the local optimum problem caused by the initial random center is avoided, and the accuracy of clustering is improved.

[0114] According to the clustering result, the common features of the data within 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 groups corresponding to the consumer portrait, and determine the number of each consumer group according to the number of each clustering cluster. According to the consumption stability corresponding to each consumer group and the weighted value corresponding to the number of the consumer group, determine the revenue stability coefficient corresponding to each consumer group, which reflects the contribution degree of each consumer group to the revenue stability of the merchant. Then, predict the change data of the merchant side within a preset period according to the trust center balance of the merchant within a continuous time, and dynamically recommend the current optimal prepayment service for 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 quantity of the consumer group, and quantify the contribution degree of each consumer group to the revenue stability of the merchant. Merchants can evaluate the importance of different consumer groups based on this, identify the groups that play a key role in revenue stability, and take corresponding measures to maintain and expand these groups.

[0115] Furthermore, in one or more embodiments of the present invention, the above-mentioned banking system predicts the change data of the merchant side within a preset period according to the trust center balance of the merchant within a continuous time, and dynamically recommends the current optimal prepayment service for the merchant side according to the change data and the revenue stability coefficient corresponding to each consumer group, specifically as follows:

[0116] Input the balance of the merchant's trust center within a continuous period of time into a pre-set time series prediction model to predict the change data of the merchant side within a pre-set time period. Based on the historical payment request instructions of the merchant side, determine the existing prepayment services of the merchant side, and then filter the existing prepayment services according to the change data to obtain the prepayment services to be recommended. For example, if it is predicted that the merchant will be short of funds in the future, then some prepayment services 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 prepayment services to be recommended that suit the current situation. Combine the revenue stability coefficient with the business evaluation indicators corresponding to each prepayment service to be recommended to determine the business attractiveness value corresponding to each prepayment service to be recommended. Determine the current optimal prepayment service within the prepayment services to be recommended according to the business attractiveness value, and recommend the current optimal prepayment service to the merchant side.

[0117] In this process, the change data of the merchant's trust center balance is predicted through a time series prediction model, which can fully consider the dynamic change of the merchant's funds. Then, according to this change data, the prepayment services are screened and recommended, so that the recommended services can better adapt to the merchant's capital situation within the pre-set time period, avoiding difficulties or failures in business development due to capital problems, and improving the fit between the business and the actual situation of the merchant. Using the historical payment request instructions of the merchant side to determine the existing prepayment services, this analysis method based on historical data enables the banking system to have a clear understanding of the merchant's business history. On this basis, business recommendations are made, avoiding blind recommendations and making the recommendations more targeted and reasonable. Combining the revenue stability coefficient and business evaluation indicators to calculate the business attractiveness value 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 prepayment service to be recommended, provide better business options for the merchant, and ensure that the merchant can always obtain the most suitable business recommendation for the current situation.

[0118] In the embodiments of the present invention, based on the above system, after the merchant side and the consumer side are registered through the prepayment treasure platform, the same-name secondary sub-accounts corresponding to the merchant can be automatically opened through the banking system without the need for the merchant to perform the account-opening operation, avoiding the problem of poor utilization rate caused by the cumbersome account-opening procedures for the merchant. In addition, the prepayment funds flow throughout the regulatory account system, ensuring the safety of the funds. In addition, consumers can directly enter the consumption interface by scanning the code and purchase services with one key, which is convenient and fast; and after each consumption by the consumer, the regulatory funds are directly transferred to the merchant's prepayment treasure account without any operation by the merchant. When the merchant has a need to use funds, it can apply with one key on the prepayment treasure platform, and after passing the review, the funds are directly transferred to the merchant's Alipay account, which is simple and easy to operate. And the prepayment funds are deposited into the trust property special account under the banking system, and the bank provides asset custody and the trust prepayment funds management middle platform system supervises the funds throughout the process, ensuring the safety of the funds. At the same time, the situation where the prepayment funds are judicially frozen in the case of judicial disputes of the merchant is avoided.

[0119] The embodiments of the present invention are all described in a progressive manner. The same or similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiments.

[0120] 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 recited in the claims can be performed in a different order than in the embodiments and still achieve the desired result. Additionally, the processes depicted in the figures do not necessarily require the particular order or sequential order shown to achieve the desired result. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0121] The above is only one or more embodiments of the present invention and is not used to limit this specification. For those skilled in the art, one or more embodiments of the present invention can have various changes and modifications. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of one or more embodiments of the present invention shall be included within 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 bank system, a trust prepaid fund management middle platform system, and a prepaid treasure platform, the method includes: The merchant terminal sends a fund request operation message to the prepaid treasure platform; The bank system determines the balance of the merchant in the trust property special account, generates a bookkeeping record, and immediately feeds back the bookkeeping record to the prepaid treasure platform; wherein, the trust property special account corresponds to the trust prepaid fund management middle platform system and is used to store the prepaid funds purchased by the supervised consumer side corresponding to the merchant terminal; The prepaid treasure platform realizes the fund request of the merchant terminal based on the bookkeeping record fed back by the bank system; The bank system creates a batch transfer to online task for the unprocessed fund request instructions with the fed-back bookkeeping records, and starts batch processing once at a preset time interval to store the fund request bills corresponding to the unprocessed fund request instructions into the corresponding business private table; Based on the preset configuration request message table, the data in the business private table is configured to process each unprocessed fund request bill one by one to realize fund arrival; Before the merchant terminal sends a fund request operation message 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 fund 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 side to divide the prepaid funds corresponding to the order information into the secondary sub-account with the same account name; The trust prepaid fund management middle platform system checks the order information and the fund arrival information of the secondary sub-account with the same account name, and transfers the prepaid funds to the trust property special account of the trust prepaid fund management middle platform system for prepaid fund supervision; After transferring the prepaid funds to the trust property special account of the trust prepaid fund management middle platform system for prepaid fund supervision, the method further includes: The bank system statistically analyzes the fund circulation paths of each merchant terminal based on a preset interval, and draws a fund flow chart according to the fund circulation paths; Obtain the fund source distribution data and fund destination distribution data of the merchant terminal according to the fund flow chart; Identify the abnormal fund change data of the merchant terminal by respectively comparing the fund source distribution data and fund destination distribution data in multiple adjacent preset intervals; Take the fund circulation data involved in the fund circulation path of the abnormal fund change data as fund risk data, determine a first assignment according to the amount interval corresponding to each fund risk data, and determine a second assignment according to the change frequency of the fund risk data. Based on the merchant terminal credit index, the first assignment and the second assignment are weighted to obtain the objective risk value of the fund risk data; Obtain the subjective risk value of the fund risk data from multiple expert dimensions based on a preset interface, and determine the trust risk value corresponding to the merchant terminal according to the weighted value of the objective risk value and the subjective risk value; Upload the trust risk value to the trust prepaid fund management middle - desk system so that the trust prepaid fund management middle - desk system conducts supervision of the prepaid funds based on the regulatory policies corresponding to the trust risk value; The merchant terminal sends a fund - request operation message to the prepaid treasure platform, including: The prepaid treasure platform obtains the time stamp corresponding to the fund - request operation message to compare the time stamp with the preset fund collection time, and determines the operation period corresponding to the current situation operation message; If the operation period is before the fund collection time, the prepaid treasure platform obtains the daily income and expenditure information of the merchant terminal and determines the daily revenue funds of the merchant terminal; Compare the daily revenue funds with the requested amount. If it is determined that the daily revenue funds are greater than the requested amount, the prepaid treasure platform does not pass the fund - request operation message; If it is determined that the daily revenue funds are less than the requested amount, the prepaid treasure platform passes the fund - request operation message; If the operation period is after the fund collection time, the prepaid treasure platform generates a fund - request instruction according to the fund - request operation message and initiates a fund request to the bank system; If it is determined that the daily revenue funds are greater than the requested amount, after the prepaid treasure platform does not pass the fund - request operation message, the method further includes: The prepaid treasure platform returns the requested amount to the merchant terminal based on the reserve fund account of the merchant terminal within the preset fund collection time; The prepaid treasure platform obtains the difference between the daily revenue funds and the requested amount as the daily prepaid funds, and divides the daily prepaid funds into the secondary sub - accounts with the same account name of the merchant terminal under the bank system; The prepaid treasure platform uploads the daily collection information corresponding to the daily prepaid funds to the trust prepaid fund management middle - desk system; The trust prepaid fund management middle - desk checks the daily collection information and the daily prepaid fund arrival information of the secondary sub - account with the same account name, and transfers the daily prepaid funds to the trust property special account of the trust prepaid fund management middle - desk system for supervision of the prepaid funds.

2. The trust-based prepaid consumption supervision method according to claim 1, characterized in that, Configuring the data in the business private table based on the preset configuration request message table to process each unprocessed fund - request bill one by one to achieve fund arrival. Specifically: Based on the field mapping rules of the configuration request message table, configure the data in the business private table to obtain a request message; Add the request message to the message queue, and sequentially obtain the request messages in the message queue, and determine the insertion nodes corresponding to each field information in the request message according to the prepaid treasure preset node attribute configuration table; where the insertion node is the specific position or slot in the bank system that receives the field information; Match the insertion node with the fields of the head - office API interface of the bank system to interact the request message with the head - office API interface of the bank system to obtain the processing result of the request message; Parse the processing result according to the bank preset node attribute configuration table to update the parsing result to the business private table to complete the fund processing.

3. The trust-based prepayment consumption supervision method according to claim 2, characterized in that, Configuring the data in the business private table based on the preset configuration request message table to process the unprocessed payment bills one by one. After the funds are credited, the method further includes: The prepayment platform and the bank system perform a reconciliation operation on the accounting records of the prepayment platform and the business private table of the bank system based on the preset reconciliation time and preset reconciliation rules to obtain a reconciliation result; If it is determined based on the reconciliation result that there is incorrect data, the incorrect data is sent to the corresponding processing terminal for secondary verification of the incorrect data according to the corresponding processing terminal; According to the verification result, process the payment instruction corresponding to the incorrect data to synchronize the business private table and the accounting record.

4. The trust-based prepaid consumption supervision method according to claim 1, characterized in that, The prepayment platform receives the order information of the consumption terminal to allocate the prepayment funds corresponding to the order information to the second-level sub-account with the same account name, specifically: The prepayment platform receives the order information of the consumption terminal to determine the first order information before the preset funds collection time and the second order information after the preset funds collection time according to the timestamp corresponding to the order information; If the order information is the first order information, summarize the first order information, and determine the prepayment funds corresponding to the first order information according to the difference between the summarized first order information and the daily outgoing account information of the merchant terminal corresponding to the order information, and allocate the prepayment funds to the second-level sub-account with the same account name; If the order information is the second order information, allocate the prepayment funds corresponding to the second order information to the second-level sub-account with the same account name in real time.

5. 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 back the accounting record to the prepayment platform, specifically: The bank system compares the payment amount of the payment instruction with the balance corresponding to the merchant terminal under the trust property special account to determine whether to allow the payment; If the balance is greater than the payment amount, allow the payment and generate the accounting record corresponding to the payment instruction; Immediately feed back the accounting record to the prepayment platform to quickly realize the payment of the merchant terminal.

6. A trust-based prepaid consumption supervision system, characterized in that, The system includes: a bank system, a trust prepayment fund management middle platform system, and a trust-style prepayment consumption supervision system of the prepayment platform, where The prepayment platform is used to receive the payment operation information sent by the merchant terminal; 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 prepayment platform; where the trust property special account corresponds to the trust prepayment fund management middle platform system and is used to store the prepayment funds corresponding to the consumption terminal purchased and supervised by the merchant terminal; The prepayment platform is further used to realize the payment of the merchant terminal based on the accounting record fed back by the bank system. The bank system is also used to create a batch transfer to online task for the reimbursement instructions that have been fed back with accounting records and are not processed, and initiate batch processing once at a preset time interval to store the reimbursement bills corresponding to the unprocessed reimbursement instructions into the corresponding business private table; Based on the preset configuration request message table, configure the data in the business private table to process each unprocessed reimbursement bill one by one to achieve fund arrival; Before the merchant terminal sends the reimbursement operation information to the prepayment platform, it further includes: Based on the trust prepayment fund management middle platform system, the prepayment platform synchronizes the basic information of the merchant terminal to the bank system, so as to establish a secondary sub-account with the same name corresponding to the merchant terminal based on the bank system; The prepayment platform receives the order information of the consumer terminal to divide the prepayment funds corresponding to the order information into the secondary sub-account with the same name; The trust prepayment fund management middle platform system checks the order information and the fund arrival information of the secondary sub-account with the same name, and transfers the prepayment funds to the trust property special account of the trust prepayment fund management middle platform system for prepayment fund supervision; After transferring the prepayment funds to the trust property special account of the trust prepayment fund management middle platform system for prepayment fund supervision, it further includes: The bank system statistically analyzes the fund circulation paths of each merchant terminal based on a preset interval, and draws a fund flow chart according to the fund circulation paths; Obtain the fund source distribution data and fund destination distribution data of the merchant terminal according to the fund flow chart; By respectively comparing the fund source distribution data and fund destination distribution data within multiple adjacent preset intervals, identify the abnormal fund change data of the merchant terminal; Take the fund circulation data involved in the fund circulation path of the abnormal fund change data as fund risk data, determine the first assignment according to the amount interval corresponding to each fund risk data, determine the second assignment according to the change frequency of the fund risk data, and weight the first assignment and the second assignment based on the merchant terminal credit index to obtain the objective risk value of the fund risk data; Based on a preset interface, obtain the subjective risk value of the fund risk data from multiple expert dimensions, and determine the trust risk value corresponding to the merchant terminal according to the weighted value of the objective risk value and the subjective risk value; Upload the trust risk value to the trust prepayment fund management middle platform system, so that the trust prepayment fund management middle platform system conducts prepayment fund supervision based on the supervision strategy corresponding to the trust risk value; The merchant terminal sends the reimbursement operation information to the prepayment platform, including: The prepayment platform obtains the time stamp corresponding to the reimbursement operation information, and compares the time stamp with the preset fund collection time to determine the operation period corresponding to the current situation operation information; If the operation period is before the fund collection time, the prepayment platform obtains the daily account information of the merchant terminal to determine the daily revenue funds of the merchant terminal; Compare the daily revenue funds with the amount requested for payment. If it is determined that the daily revenue funds are greater than the amount requested for payment, the prepayment platform will not pass the payment request operation information; If it is determined that the daily revenue funds are less than the amount requested for payment, the prepayment platform will pass the payment request operation information; If the operation period is after the funds collection time, the prepayment platform will generate a payment request instruction based on the payment request operation information and initiate a payment request to the banking system; If it is determined that the daily revenue funds are greater than the amount requested for payment, after the prepayment platform does not pass the payment request operation information, it further includes: The prepayment platform returns the amount requested for payment to the merchant side based on the reserve fund account of the merchant side within the preset funds collection time; The prepayment platform obtains the difference between the daily revenue funds and the amount requested for payment as the daily prepayment funds, and divides the daily prepayment funds into the secondary sub-accounts with the same account name under the merchant side in the banking system; The prepayment platform uploads the daily collection information corresponding to the daily prepayment funds to the trust prepayment funds management middle platform system; The trust prepayment funds management middle platform checks the daily collection information with the daily prepayment funds arrival information of the secondary sub-accounts with the same account name, and transfers the daily prepayment funds to the trust property special account of the trust prepayment funds management middle platform system for prepayment funds supervision.

7. A trust-based prepaid consumption supervision system according to claim 6, characterized in that, The prepayment platform is also used to synchronize the basic information of the merchant side to the banking system based on the trust prepayment funds management middle platform system, so as to establish a secondary sub-account with the same account name corresponding to the merchant side based on the banking system; The prepayment platform is also used to receive the order information of the consumer side, and divide the prepayment funds corresponding to the order information into the secondary sub-accounts with the same account name; The trust prepayment funds management middle platform system is used to check the order information with the funds arrival information of the secondary sub-accounts with the same account name, and transfer the prepayment funds to the trust property special account of the trust prepayment funds management middle platform system for prepayment funds supervision.

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