Accounting processing method and device, equipment, storage medium and computer program product

Abstract

The invention discloses an entry processing method, device and equipment, a storage medium and a computer program product, and the method comprises the steps: receiving payment application transaction information submitted by a target enterprise through a network connection platform, and carrying out the risk screening of a payment account and a collection account of the payment application transaction information; if the risk screening is passed, judging whether the collection account is a non-target bank settlement account; if the collection account is a non-target bank settlement account, converting the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship; and calling a corresponding downstream business system based on the target bank settlement account and the payment application transaction information to carry out entry processing. According to the invention, after the risk screening is passed, the non-target bank settlement account is converted into the target bank settlement account, and the corresponding downstream business system is called based on the payment application transaction information to carry out entry processing, so that the network connection payment channel business scene is expanded, and the processing efficiency of the transaction service is improved.

Description

Technical Field

[0001] The present invention relates to the field of computer data processing technology, and in particular to an accounting processing method, device, equipment, storage medium and computer program product. Background Art

[0002] With the rapid development of the Internet, online payment has become the main means of transaction for people. With the bank's "disconnection" business requirements, all online payment businesses between banks and third-party payment institutions have been migrated from the direct connection mode to the China UnionPay platform for processing. One of the business scenarios involved is the payment business, which refers to a real-time online payment transaction initiated by a payment institution and forwarded by the platform, where funds are deducted from the payment institution's reserve account to a designated bank account. For example, merchant settlement and cash withdrawal business scenarios all use the China UnionPay payment channel.

[0003] However, after the target bank is connected to the UnionPay platform, when withdrawing cash or merchant settlement to a bank account through the UnionPay payment channel, the bank account actually opened by the target bank must be filled in. If a non-target bank account is filled in, the account will be rejected. In addition, some banks only support large and small amounts, super-network channels, etc. The transaction chain is more complicated and cannot provide 7*24 hours real-time transaction services.

[0004] Therefore, there is an urgent need for an account entry processing method that can expand the business scenarios of the UnionPay payment channel and improve the processing efficiency of transaction services. Summary of the invention

[0005] The main purpose of the present invention is to provide an account entry processing method, device, equipment, storage medium and computer program product, aiming to solve the technical problems in the prior art that the payment channel of the China UnionPay payment system cannot meet the account entry needs of non-bank customers and the processing efficiency of transaction services is low.

[0006] To achieve the above object, the present invention provides an account entry processing method, which comprises the following steps:

[0007] Receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and conduct risk screening on the payment account and receiving account of the payment application transaction information;

[0008] If the risk screening is passed, determine whether the receiving account is a non-target bank settlement account;

[0009] If the receiving account is a non-target bank settlement account, converting the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship;

[0010] Based on the target bank settlement account and the payment application transaction information, a corresponding downstream business system is called to perform account entry processing.

[0011] Optionally, before the step of receiving the payment application transaction information submitted by the target enterprise through the UnionPay platform and performing risk screening on the payment account and the receiving account of the payment application transaction information, the step further includes:

[0012] Obtaining account information in an interbank payment system, and classifying the account information to obtain classification results;

[0013] Based on the classification result, determining a non-target bank settlement account and a target bank settlement account in the account information;

[0014] Comparing the credit score of each of the non-target bank settlement accounts with a preset credit threshold to obtain a comparison result;

[0015] Based on the comparison result, the non-target bank settlement accounts whose credit scores are less than the preset credit threshold are eliminated to obtain processed non-target bank settlement accounts;

[0016] A preset account conversion configuration relationship is established based on the processed non-target bank settlement account and the target bank settlement account.

[0017] Optionally, the step of receiving payment application transaction information submitted by the target enterprise through the UnionPay platform and performing risk screening on the payment account and the receiving account of the payment application transaction information includes:

[0018] Receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and determine the payment account and receiving account of the payment application transaction information;

[0019] Verifying the authenticity of the payment account and the payment receiving account to obtain a verification result;

[0020] Acquire transaction history information of the payment account and the payment receiving account, and analyze the transaction history information to obtain analysis results;

[0021] Obtaining the credit records of the payment account and the receiving account, and evaluating the credit status of the payment account and the receiving account based on the credit records to obtain an evaluation result;

[0022] Compare the payment account and the receiving account with the risk database information to obtain a comparison result;

[0023] The risk screening results of the payment account and the receiving account are determined based on the verification result, the analysis result, the evaluation result and the comparison result.

[0024] Optionally, the risk screening result includes high risk, medium risk and low risk. If the risk screening is passed, the step of determining whether the receiving account is a non-target bank settlement account includes:

[0025] If the risk screening result is low risk, it means that the risk screening is passed, and then it is determined whether the receiving account is a non-target bank settlement account;

[0026] Accordingly, if the risk screening is passed, the step of determining whether the receiving account is a non-target bank settlement account further includes:

[0027] If the risk screening result is medium risk, the payment application transaction information is checked based on the payment account and the receiving account;

[0028] If the verification is correct, it means that the risk screening has passed, and then it is determined whether the receiving account is a non-target bank settlement account;

[0029] Accordingly, after determining the risk levels of the payment account and the payment receiving account based on the verification result, the analysis result, the evaluation result and the comparison result, the method further includes:

[0030] If the risk level is high risk or the risk level is medium risk and the verification is incorrect, it means that the risk screening fails.

[0031] Optionally, if the receiving account is a non-target bank settlement account, the step of converting the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship comprises:

[0032] If the receiving account is a non-target bank settlement account, matching the target bank settlement account corresponding to the non-target bank settlement account in the preset account conversion configuration relationship;

[0033] When the match is successful, the non-target bank settlement account is converted into a target bank settlement account based on a preset account conversion configuration relationship.

[0034] Optionally, if the receiving account is a non-target bank settlement account, after the step of matching the target bank settlement account corresponding to the non-target bank settlement account in the preset account conversion configuration relationship, the method further includes:

[0035] When the matching fails, if it is determined whether the credit score of the non-target bank settlement account is greater than a preset credit threshold;

[0036] If the credit score of the non-target bank settlement account is greater than a preset credit threshold, adding the non-target bank settlement account to the preset account conversion configuration relationship, and updating the preset account conversion configuration relationship;

[0037] Based on the updated preset account conversion configuration relationship, the non-target bank settlement account is converted into a target bank settlement account.

[0038] In addition, to achieve the above-mentioned purpose, the present invention also provides an account entry processing device, the device comprising:

[0039] An information verification module is used to receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and to perform risk screening on the payment account and the receiving account of the payment application transaction information;

[0040] An account determination module, used to determine whether the receiving account is a non-target bank settlement account if the risk screening passes;

[0041] An account conversion module, configured to convert the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship if the receiving account is a non-target bank settlement account;

[0042] The account entry processing module is used to call the corresponding downstream business system for account entry processing based on the target bank settlement account and the payment application transaction information.

[0043] In addition, to achieve the above-mentioned purpose, the present invention also proposes an account entry processing device, which includes: a memory, a processor, and an account entry processing program stored in the memory and executable on the processor, wherein the account entry processing program is configured to implement the steps of the account entry processing method described above.

[0044] In addition, to achieve the above-mentioned purpose, the present invention further proposes a storage medium, on which a payment processing program is stored, and when the payment processing program is executed by a processor, the steps of the payment processing method described above are implemented.

[0045] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the accounting processing method described above are implemented.

[0046] The present invention discloses receiving payment application transaction information submitted by a target enterprise through a UnionPay platform, and performing risk screening on the payment account and the receiving account of the payment application transaction information; if the risk screening is passed, determining whether the receiving account is a non-target bank settlement account; if the receiving account is a non-target bank settlement account, converting the non-target bank settlement account to a target bank settlement account based on a preset account conversion configuration relationship; and calling a corresponding downstream business system for account entry based on the target bank settlement account and the payment application transaction information. Since the present invention performs risk screening on the payment account and the receiving account of the payment application transaction information, if the receiving account is a non-target bank settlement account, converting the non-target bank settlement account to a target bank settlement account, and calling a corresponding downstream business system for account entry based on the payment application transaction information, compared with the prior art, the present invention expands the business scenarios of the UnionPay payment channel and improves the processing efficiency of transaction services. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] Figure 1 It is a flowchart of the first embodiment of the accounting processing method of the present invention;

[0048] Figure 2 A schematic diagram of the account conversion configuration maintenance process in the account entry processing method of the present invention;

[0049] Figure 3 A schematic diagram of a payment entry transaction processing flow in the entry processing method of the present invention;

[0050] Figure 4 It is a flowchart of the second embodiment of the accounting processing method of the present invention;

[0051] Figure 5 It is a flowchart of the third embodiment of the accounting processing method of the present invention;

[0052] Figure 6 It is a structural block diagram of the first embodiment of the account entry processing device of the present invention;

[0053] Figure 7 It is a structural diagram of an account entry processing device in a hardware operating environment involved in an embodiment of the present invention.

[0054] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0055] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0056] The embodiment of the present invention provides an account entry processing method, referring to Figure 1 , Figure 1Schematic diagram of the first embodiment of the accounting processing method of the present invention.

[0057] In this embodiment, the accounting processing method includes steps S10 to S40:

[0058] Step S10: receiving the payment application transaction information submitted by the target enterprise through the UnionPay platform, and performing risk screening on the payment account and the receiving account of the payment application transaction information.

[0059] It should be noted that the execution subject of this embodiment can be a computer server device with data processing, network communication and program running functions used in the account entry processing scenario, such as a server, a tablet computer, a smart phone, a smart watch, etc., or an electronic device capable of realizing the above functions, an account entry processing device, etc. The following takes the Net Union payment business system (hereinafter referred to as the system) including the account entry processing device as an example to illustrate this embodiment and the following embodiments.

[0060] It should be understood that the above-mentioned target enterprise can be the enterprise corresponding to the above-mentioned receiving account. The China UnionPay platform was established after the rapid development of the online payment market for many years to solve the multiple risks such as illegal liquidation, misappropriation of funds, and waste of resources brought about by the multiple direct connection model between payment institutions and banks. The China UnionPay platform is an important financial market infrastructure.

[0061] It is understandable that the payment application transaction information may include detailed information on key contents such as the account information of both parties to the transaction, the transaction amount, the transaction time, the transaction location, the transaction item information, the transaction status, the payment method and the approval process.

[0062] It should be noted that a payment account refers to a bank account or a third-party payment platform account used to complete payment when making online or offline payments. A receiving account refers to an account used to receive transfers, remittances or payments from others. It can be a personal account opened by an individual at a bank, a corporate account opened by a company to receive funds, or a collection function provided by an electronic payment platform (such as Alipay, WeChat Pay, etc.).

[0063] It should be explained that risk screening of the payment account and the receiving account of the payment application transaction information may include verifying the account information, analyzing the transaction history, evaluating the credit record and comparing the risk library, and then making a comprehensive judgment to obtain the risk screening results.

[0064] In a specific implementation, the payment application transaction information submitted by the target enterprise through the UnionPay platform can be received, and the payment account and the receiving account of the payment application transaction information can be determined; the authenticity of the payment account and the receiving account can be verified to obtain a verification result; the transaction history information of the payment account and the receiving account can be obtained, and the transaction history information can be analyzed to obtain an analysis result; the credit records of the payment account and the receiving account can be obtained, and the credit status of the payment account and the receiving account can be evaluated based on the credit records to obtain an evaluation result; the payment account and the receiving account can be compared with the risk library information to obtain a comparison result; and the risk screening result of the payment account and the receiving account can be determined based on the verification result, the analysis result, the evaluation result and the comparison result.

[0065] It should be understood that if the risk screening fails, the payment application transaction is terminated and an alert message is sent.

[0066] Step S20: If the risk screening is passed, determine whether the receiving account is a non-target bank settlement account.

[0067] It should be noted that the above risk screening results may include three results: high risk, medium risk and low risk.

[0068] The risk screening results can be divided according to the verification results, analysis results, evaluation results and comparison results. The division method can be based on the preset risk weight settings of the verification results, analysis results, evaluation results and comparison results, or it can be a custom setting. This embodiment does not limit this.

[0069] In a specific implementation, if the risk screening result is low risk, it means that the risk screening is passed, and then it is determined whether the receiving account is a non-target bank settlement account.

[0070] If the risk screening result is medium risk, the payment application transaction information is checked based on the payment account and the receiving account; if the check is correct, it means that the risk screening has passed, and it is determined whether the receiving account is a non-target bank settlement account.

[0071] If the risk level is high risk or the risk level is medium risk and the verification is incorrect, it means that the risk screening fails.

[0072] In a specific implementation, it is possible to search in the preset account conversion configuration relationship whether the receiving account is a non-target bank settlement account.

[0073] Step S30: If the receiving account is a non-target bank settlement account, based on a preset account conversion configuration relationship, the non-target bank settlement account is converted into a target bank settlement account.

[0074] It should be noted that the above-mentioned preset account conversion configuration relationship may be a mapping relationship between a non-target bank settlement account and a target bank settlement account.

[0075] It should be explained that a non-target bank settlement account may be an account that is not in the target bank; a target bank settlement account may be an account that is actually settled by the target bank.

[0076] In a specific implementation, step S30 includes steps S301 to S302:

[0077] Step S301: If the receiving account is a non-target bank settlement account, the target bank settlement account corresponding to the non-target bank settlement account is matched in a preset account conversion configuration relationship.

[0078] Step S302: When the match is successful, the non-target bank settlement account is converted into a target bank settlement account based on a preset account conversion configuration relationship.

[0079] It should be noted that when the matching fails, the preset account conversion configuration relationship can be updated according to the credit score of the non-target bank settlement account, and then based on the updated preset account conversion configuration relationship, the target bank settlement account corresponding to the non-target bank settlement account can be matched in the updated preset account conversion configuration relationship.

[0080] Step S40: Based on the target bank settlement account and the payment application transaction information, the corresponding downstream business system is called to perform account entry processing.

[0081] For example, refer to Figure 2 , Figure 2 The figure is a flow chart of the account conversion configuration maintenance process in the accounting processing method of the present invention. The target bank's handling personnel can enter the account conversion configuration data (i.e., the preset account conversion configuration relationship) in the interbank payment and collection system: the member account information of the member enterprise (non-target bank settlement account) and the entity settlement account information of the financial company (target bank settlement account); then the interbank payment and collection system synchronizes the account conversion configuration data to the NetsUnion payment business system. If the account information of the member enterprise and the financial company changes, the target bank's handling personnel can modify the account conversion configuration in the interbank payment and collection system (i.e., update the preset account conversion configuration relationship), and the interbank payment and collection system will verify the modified account conversion configuration data and synchronize it to the NetsUnion payment system.

[0082] For example, refer to Figure 3 , Figure 3The figure is a schematic diagram of the payment entry transaction processing flow in the entry processing method of the present invention. The payment application transaction information submitted by the target enterprise through the NetsUnion platform is received, and the NetsUnion payment business system calls the account conversion configuration service. If the incoming account hits a non-target bank settlement account, it is converted to a target bank settlement account, and the interbank payment system is called, and the interbank payment system is recorded in the corresponding financial company settlement account.

[0083] This embodiment discloses receiving payment application transaction information submitted by a target enterprise through a UnionPay platform, and performing risk screening on the payment account and the receiving account of the payment application transaction information; if the risk screening is passed, determining whether the receiving account is a non-target bank settlement account; if the receiving account is a non-target bank settlement account, converting the non-target bank settlement account to a target bank settlement account based on a preset account conversion configuration relationship; and calling the corresponding downstream business system for account entry based on the target bank settlement account and the payment application transaction information. Since this embodiment performs risk screening on the payment account and the receiving account of the payment application transaction information, if the receiving account is a non-target bank settlement account, converting the non-target bank settlement account to a target bank settlement account, and calling the corresponding downstream business system for account entry based on the payment application transaction information, compared with the prior art, this embodiment expands the business scenarios of the UnionPay payment channel and improves the processing efficiency of transaction services.

[0084] refer to Figure 4 , Figure 4 Schematic diagram of the flow chart of the second embodiment of the accounting processing method of the present invention.

[0085] Based on the first embodiment described above, in this embodiment, before step S10, steps S01 to S05 are further included:

[0086] Step S01: Obtain account information in the interbank payment system, and classify the account information to obtain classification results.

[0087] Step S02: Based on the classification result, determine the non-target bank settlement accounts and the target bank settlement accounts in the account information.

[0088] Step S03: Compare the credit score of each non-target bank settlement account with a preset credit threshold to obtain a comparison result.

[0089] Step S04: Based on the comparison result, the non-target bank settlement accounts whose credit scores are less than the preset credit threshold are eliminated to obtain processed non-target bank settlement accounts.

[0090] Step S05: establishing a preset account conversion configuration relationship based on the processed non-target bank settlement account and the target bank settlement account.

[0091] It should be noted that this embodiment eliminates non-target bank settlement accounts whose credit scores are less than a preset credit threshold, obtains processed non-target bank settlement accounts, and then establishes a preset account conversion configuration relationship based on the processed non-target bank settlement accounts and the target bank settlement accounts, thereby ensuring the security of fund transactions.

[0092] It should be understood that the above-mentioned preset credit threshold may be a system-defined setting, and this embodiment does not impose any limitation on this.

[0093] This embodiment discloses obtaining account information in an interbank payment and collection system, and classifying the account information to obtain a classification result; based on the classification result, determining the non-target bank settlement account and the target bank settlement account in the account information; comparing the credit score of each non-target bank settlement account with a preset credit threshold to obtain a comparison result; based on the comparison result, eliminating the non-target bank settlement account with a credit score less than the preset credit threshold to obtain a processed non-target bank settlement account; establishing a preset account conversion configuration relationship based on the processed non-target bank settlement account and the target bank settlement account. Compared with the prior art, since this embodiment obtains a processed non-target bank settlement account by eliminating the non-target bank settlement account with a credit score less than the preset credit threshold, and then establishes a preset account conversion configuration relationship based on the processed non-target bank settlement account and the target bank settlement account, the security of fund transactions is ensured.

[0094] refer to Figure 5 , Figure 5 Schematic diagram of the flow of the third embodiment of the accounting processing method of the present invention.

[0095] Based on the above embodiments, in this embodiment, after step S301, steps S303 to S305 are further included:

[0096] Step S303: When the matching fails, it is determined whether the credit score of the non-target bank settlement account is greater than a preset credit threshold.

[0097] Step S304: If the credit score of the non-target bank settlement account is greater than the preset credit threshold, the non-target bank settlement account is added to the preset account conversion configuration relationship, and the preset account conversion configuration relationship is updated.

[0098] Step S305: based on the updated preset account conversion configuration relationship, convert the non-target bank settlement account into a target bank settlement account.

[0099] This embodiment discloses that if the receiving account is a non-target bank settlement account, the target bank settlement account corresponding to the non-target bank settlement account is matched in the preset account conversion configuration relationship; when the matching fails, if it is determined whether the credit score of the non-target bank settlement account is greater than the preset credit threshold; if the credit score of the non-target bank settlement account is greater than the preset credit threshold, the non-target bank settlement account is added to the preset account conversion configuration relationship, and the preset account conversion configuration relationship is updated; based on the updated preset account conversion configuration relationship, the non-target bank settlement account is converted to the target bank settlement account. Compared with the prior art, since this embodiment updates the preset account conversion configuration relationship according to the credit score of the non-target bank settlement account when the matching fails, the flexibility of account conversion is improved, and the business scenario of the Net Union payment channel is further expanded.

[0100] In addition, an embodiment of the present invention further provides a storage medium, on which a payment processing program is stored. When the payment processing program is executed by a processor, the steps of the payment processing method described above are implemented.

[0101] Reference Figure 6 , Figure 6 It is a structural block diagram of the first embodiment of the account entry processing device of the present invention.

[0102] like Figure 6 As shown, the account entry processing device proposed in the embodiment of the present invention includes: an information verification module 601, an account determination module 602, an account conversion module 603 and an account entry processing module 604.

[0103] The information verification module 601 is used to receive the payment application transaction information submitted by the target enterprise through the UnionPay platform, and perform risk screening on the payment account and the receiving account of the payment application transaction information.

[0104] The account determination module 602 is used to determine whether the receiving account is a non-target bank settlement account if the risk screening passes.

[0105] The account conversion module 603 is used to convert the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship if the receiving account is a non-target bank settlement account.

[0106] The account entry processing module 604 is used to call the corresponding downstream business system to perform account entry processing based on the target bank settlement account and the payment application transaction information.

[0107] The information verification module 601 is also used to receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and determine the payment account and the receiving account of the payment application transaction information; verify the authenticity of the payment account and the receiving account to obtain a verification result; obtain the transaction history information of the payment account and the receiving account, and analyze the transaction history information to obtain an analysis result; obtain the credit record of the payment account and the receiving account, and evaluate the credit status of the payment account and the receiving account based on the credit record to obtain an evaluation result; compare the payment account and the receiving account with the risk library information to obtain a comparison result; determine the risk screening result of the payment account and the receiving account based on the verification result, the analysis result, the evaluation result and the comparison result.

[0108] The account determination module 602 is also used to determine whether the receiving account is a non-target bank settlement account if the risk screening result is low risk, indicating that the risk screening has passed.

[0109] The account judgment module 602 is also used to verify the payment application transaction information based on the payment account and the receiving account if the risk screening result is medium risk; if the verification is correct, it means that the risk screening has passed, and then determine whether the receiving account is a non-target bank settlement account.

[0110] The account determination module 602 is also used to indicate that the risk screening fails if the risk level is high risk or the risk level is medium risk and the verification is incorrect.

[0111] The account conversion module 603 is also used to match the target bank settlement account corresponding to the non-target bank settlement account in the preset account conversion configuration relationship if the receiving account is a non-target bank settlement account; when the match is successful, the non-target bank settlement account is converted into the target bank settlement account based on the preset account conversion configuration relationship.

[0112] The present device embodiment discloses receiving payment application transaction information submitted by a target enterprise through the UnionPay platform, and performing risk screening on the payment account and the receiving account of the payment application transaction information; if the risk screening is passed, determining whether the receiving account is a non-target bank settlement account; if the receiving account is a non-target bank settlement account, converting the non-target bank settlement account to a target bank settlement account based on a preset account conversion configuration relationship; and calling the corresponding downstream business system for account entry based on the target bank settlement account and the payment application transaction information. Since the present device embodiment performs risk screening on the payment account and the receiving account of the payment application transaction information and passes it, if the receiving account is a non-target bank settlement account, converting the non-target bank settlement account to a target bank settlement account, and calling the corresponding downstream business system for account entry based on the payment application transaction information, compared with the prior art, the present device embodiment expands the business scenarios of the UnionPay payment channel and improves the processing efficiency of transaction services.

[0113] Based on the first embodiment of the account entry processing device of the present invention, a second embodiment of the account entry processing device of the present invention is proposed.

[0114] In this embodiment, the information verification module 601 is also used to obtain account information in the interbank payment and collection system, and classify the account information to obtain classification results; based on the classification results, determine the non-target bank settlement accounts and target bank settlement accounts in the account information; compare the credit score of each non-target bank settlement account with a preset credit threshold to obtain a comparison result; based on the comparison result, eliminate the non-target bank settlement accounts with a credit score less than the preset credit threshold to obtain processed non-target bank settlement accounts; establish a preset account conversion configuration relationship based on the processed non-target bank settlement account and the target bank settlement account.

[0115] Other embodiments or specific implementations of the account entry processing device of the present invention can refer to the above-mentioned method embodiments, which will not be described in detail here.

[0116] The present application provides an account entry processing device, which includes: at least one processor; and a memory connected to the at least one processor in communication; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the account entry processing method in the above-mentioned embodiment 1.

[0117] Reference below Figure 7, which shows a schematic diagram of the structure of an account entry processing device suitable for implementing the embodiment of the present application. The account entry processing device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 7 The account entry processing device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0118] like Figure 7 As shown, the account entry processing device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the account entry processing device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the account processing device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows an account processing device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0119] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0120] The account entry processing device provided by the present application adopts the account entry processing method in the above embodiment, which can solve the technical problems in the prior art that the NetsUnion payment channel cannot meet the account entry needs of non-bank customers and the processing efficiency of transaction services is low. Compared with the prior art, the beneficial effects of the account entry processing device provided by the present application are the same as the beneficial effects of the account entry processing method provided by the above embodiment, and the other technical features in the account entry processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0121] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0122] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0123] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0124] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0125] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned accounting processing method when executed by a processor.

[0126] The computer program product provided by this application can solve the technical problems in the prior art that the payment channel of the China UnionPay cannot meet the account entry needs of non-bank customers and the processing efficiency of transaction services is low. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the account entry processing method provided by the above embodiment, which will not be repeated here.

[0127] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or system. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or system including the element.

[0128] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0129] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as a read-only memory / random access memory, a magnetic disk, or an optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0130] The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A method for processing accounts, characterized in that: The method comprises: Receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and conduct risk screening on the payment account and receiving account of the payment application transaction information; If the risk screening is passed, determine whether the receiving account is a non-target bank settlement account; If the receiving account is a non-target bank settlement account, converting the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship; Based on the target bank settlement account and the payment application transaction information, a corresponding downstream business system is called to perform account entry processing.

2. The method for processing accounts according to claim 1, characterized in that: Before the step of receiving the payment application transaction information submitted by the target enterprise through the UnionPay platform and performing risk screening on the payment account and the receiving account of the payment application transaction information, the method further includes: Obtaining account information in an interbank payment system, and classifying the account information to obtain classification results; Based on the classification result, determining a non-target bank settlement account and a target bank settlement account in the account information; Comparing the credit score of each of the non-target bank settlement accounts with a preset credit threshold to obtain a comparison result; Based on the comparison result, the non-target bank settlement accounts whose credit scores are less than the preset credit threshold are eliminated to obtain processed non-target bank settlement accounts; A preset account conversion configuration relationship is established based on the processed non-target bank settlement account and the target bank settlement account.

3. The method for processing accounts according to claim 1, characterized in that: The step of receiving payment application transaction information submitted by the target enterprise through the UnionPay platform and performing risk screening on the payment account and the receiving account of the payment application transaction information includes: Receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and determine the payment account and receiving account of the payment application transaction information; Verifying the authenticity of the payment account and the payment receiving account to obtain a verification result; Acquire transaction history information of the payment account and the payment receiving account, and analyze the transaction history information to obtain analysis results; Obtaining the credit records of the payment account and the receiving account, and evaluating the credit status of the payment account and the receiving account based on the credit records to obtain an evaluation result; Compare the payment account and the receiving account with the risk database information to obtain a comparison result; The risk screening results of the payment account and the receiving account are determined based on the verification result, the analysis result, the evaluation result and the comparison result.

4. The method for processing accounts according to claim 3, characterized in that: The risk screening results include high risk, medium risk and low risk. If the risk screening is passed, the step of determining whether the receiving account is a non-target bank settlement account includes: If the risk screening result is low risk, it means that the risk screening is passed, and then it is determined whether the receiving account is a non-target bank settlement account; Correspondingly, if the risk screening is passed, the step of determining whether the receiving account is a non-target bank settlement account further includes: If the risk screening result is medium risk, the payment application transaction information is checked based on the payment account and the receiving account; If the verification is correct, it means that the risk screening has passed, and then it is determined whether the receiving account is a non-target bank settlement account; Accordingly, after determining the risk levels of the payment account and the payment receiving account based on the verification result, the analysis result, the evaluation result and the comparison result, the method further includes: If the risk level is high risk or the risk level is medium risk and the verification is incorrect, it means that the risk screening fails.

5. The method for processing accounts according to claim 1, characterized in that: If the receiving account is a non-target bank settlement account, the step of converting the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship comprises: If the receiving account is a non-target bank settlement account, matching the target bank settlement account corresponding to the non-target bank settlement account in the preset account conversion configuration relationship; When the match is successful, the non-target bank settlement account is converted into a target bank settlement account based on a preset account conversion configuration relationship.

6. The method for processing accounts according to claim 5, characterized in that: If the receiving account is a non-target bank settlement account, after the step of matching the target bank settlement account corresponding to the non-target bank settlement account in the preset account conversion configuration relationship, the method further includes: When the matching fails, if it is determined whether the credit score of the non-target bank settlement account is greater than a preset credit threshold; If the credit score of the non-target bank settlement account is greater than a preset credit threshold, adding the non-target bank settlement account to the preset account conversion configuration relationship, and updating the preset account conversion configuration relationship; Based on the updated preset account conversion configuration relationship, the non-target bank settlement account is converted into a target bank settlement account.

7. An account entry processing device, characterized in that: The device comprises: An information verification module is used to receive payment application transaction information submitted by the target enterprise through the UnionPay platform, and to perform risk screening on the payment account and the receiving account of the payment application transaction information; An account determination module, used to determine whether the receiving account is a non-target bank settlement account if the risk screening passes; An account conversion module, configured to convert the non-target bank settlement account into a target bank settlement account based on a preset account conversion configuration relationship if the receiving account is a non-target bank settlement account; The account entry processing module is used to call the corresponding downstream business system for account entry processing based on the target bank settlement account and the payment application transaction information.

8. An accounting processing device, characterized in that: The device comprises: a memory, a processor, and an account entry processing program stored in the memory and executable on the processor, wherein the account entry processing program is configured to implement the steps of the account entry processing method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium stores an account entry processing program, and when the account entry processing program is executed by the processor, the steps of the account entry processing method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product includes a computer program, and when the computer program is executed by a processor, the steps of the accounting processing method according to any one of claims 1 to 6 are implemented.

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