Enterprise payment method and device, electronic equipment and computer readable storage medium

Abstract

The invention discloses an entrusted payment method and device, electronic equipment and a computer readable storage medium, and the method comprises the steps: creating a flow loan application form, and transmitting a loan notice to a financial operator settlement system based on the flow loan application form, the financial operator settlement system is informed of issuing loan money from a loan account to an internal settlement account opened by a borrower in the financial operator settlement system; the loan notice comprises an account of the loan party, the loan fund and an internal settlement account opened by the borrower in the financial operator settlement system; and creating an entrusted payment bill, and sending the entrusted payment bill to the financial operator settlement system, so that the financial operator settlement system issues loan money from the internal settlement account to the collection account of the borrower according to the entrusted payment bill. The method can reduce the workload of manual bill recording, optimizes the entrusted payment process, shortens the loan issuing period, and improves the fund payment efficiency.

Description

Technical Field

[0001] The present invention relates to the technical field of financial information services, and in particular to a method and device for entrusted payment, an electronic device, and a computer-readable storage medium. Background Art

[0002] Working capital loans are an existing business of finance companies within large enterprise groups. These groups provide loans to group members that have been granted credit by the finance companies. To arrange entrusted payment for working capital loans, the finance company must first disburse funds from the lender's account to the borrower's settlement account at the finance company. It then sends a request for entrusted payment through the OA system. Upon approval by relevant management, the finance company disburses funds from the borrower's settlement account at the finance company to the borrower's receiving account via the finance company's settlement system. However, this entrusted payment process is complex, resulting in a long loan disbursement cycle and low payment efficiency. It also presents internal management risks and fails to meet regulatory requirements. Summary of the Invention

[0003] The purpose of this application is to provide a trustee payment method and device, electronic equipment and computer-readable storage medium, which can reduce the workload of manual recording, optimize the trustee payment process, shorten the loan issuance cycle, and improve the efficiency of fund payment.

[0004] To achieve the above objectives: In a first aspect, an embodiment of the present application provides a method for entrusted payment, including: S1. Create a working capital loan application form and, based on the application form, send a loan disbursement notice to the financial settlement system to notify the financial settlement system to disburse the loan proceeds from the lender's account to the borrower's internal settlement account opened in the financial settlement system. The loan disbursement notice includes the lender's account, the loan amount, and the borrower's internal settlement account opened in the financial settlement system. S2, creating a trustee payment order, and sending the trustee payment order to the financial settlement system, so that the financial settlement system can issue the loan funds from the internal settlement account to the borrower's collection account according to the trustee payment order.

[0005] In one embodiment, it further includes: Query the payment status of the entrusted payment order in the financial settlement system; If the payment status is successful, the payment voucher number is obtained through the application and product system; If the payment status is unsuccessful, the entrusted payment order is modified and the modified entrusted payment order is sent to the financial settlement system so that the financial settlement system makes payment according to the modified entrusted payment order.

[0006] In one embodiment, creating a trustee payment order includes: In response to creating a trustee payment order, receiving an input selection operation of the borrower's collection account type and account set code and trustee payment information; Determine the borrower's collection account based on the selected collection account type and account set code; Generate a trustee payment order based on the borrower's collection account and trustee payment information.

[0007] In one embodiment, determining the borrower's payment account based on the selected payment account type and account set code includes: If the selected receiving account type is a preset account type, the account number of the receiving settlement account corresponding to the selected account set code will be used as the borrower's receiving account; If the selected receiving account type is not a preset account type, the bank account information corresponding to the selected account set code will be used as the borrower's receiving account.

[0008] In one embodiment, it further includes: Receive and store the borrower's account code and bank account number, as well as the borrower's account number for the collection and settlement account opened in the financial settlement system.

[0009] In one embodiment, before sending the entrusted payment order to the financial settlement system, the following steps are included: The entrusted payment payment order shall be reviewed according to the preset entrusted payment review rules, and the entrusted payment payment order shall be sent to the financial settlement system after passing the review.

[0010] In one embodiment, the entrusted payment order is reviewed according to preset entrusted payment review rules, including: Conduct risk prediction on entrusted payment orders using multiple preset risk prediction models to obtain multiple prediction results; A voting operation is performed on multiple prediction results based on a preset voting algorithm to obtain a voting result, and the voting result is determined as a review result of the entrusted payment order.

[0011] In a second aspect, an embodiment of the present application provides a trustee payment device, comprising: The internal loan disbursement module is used to create a working capital loan application form and, based on the application form, send a loan disbursement notice to the financial settlement system to notify the financial settlement system to disburse the loan proceeds from the lender's account to the borrower's internal settlement account opened in the financial settlement system. The loan disbursement notice includes the lender's account, the loan amount, and the borrower's internal settlement account opened in the financial settlement system. The entrusted payment module is used to create an entrusted payment order and send the entrusted payment order to the financial settlement system so that the financial settlement system can pay the loan amount from the internal settlement account to the borrower's collection account according to the entrusted payment order. In a third aspect, an embodiment of the present application provides an electronic device, comprising: a processor and a memory storing a computer program, and when the processor runs the computer program, the steps of the above entrusted payment method are implemented.

[0012] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned entrusted payment method are implemented.

[0013] In summary, in the entrusted payment method provided in the above embodiment, a loan notice is sent to the finance settlement system based on the working capital loan application form, so that the finance settlement system can release funds from the lender's account to the borrower's internal settlement account opened in the finance settlement system according to the loan notice, and then send the entrusted payment payment slip to the finance settlement system, so that the finance settlement system can release funds from the internal settlement account to the borrower's collection account according to the entrusted payment payment slip, thereby realizing the function of associating the process of loan issuance to the internal settlement account with the process of external payment to the borrower's collection account, which can effectively reduce the workload of manual order recording, optimize the entrusted payment process, shorten the loan issuance cycle, and improve the efficiency of fund payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] Figure 1 A flowchart of the entrusted payment method provided in an embodiment of the present invention.

[0015] Figure 2 A schematic diagram of the modules of the entrusted payment device provided in an embodiment of the present invention.

[0016] Figure 3 A schematic structural diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0017] Exemplary embodiments are described in detail herein, with examples illustrated in the accompanying drawings. When the following description refers to the drawings, identical numerals in different drawings represent identical or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all embodiments consistent with this application.

[0018] It should be noted that, in this document, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising 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 device. In the absence of further restrictions, an element defined by the sentence "comprising a ..." does not exclude the presence of other identical elements in the process, method, article or device comprising the element. In addition, components, features, and elements with the same name in different embodiments of the present application may have the same meaning or different meanings, and their specific meanings need to be determined by their explanation in the specific embodiment or further combined with the context of the specific embodiment.

[0019] It should be understood that although the terms first, second, third, etc. may be used herein to describe various information, such information should not be limited to these terms. These terms are merely used to distinguish information of the same type from one another. For example, without departing from the scope of this document, first information may also be referred to as second information, and similarly, second information may also be referred to as first information. Depending on the context, the term "if" as used herein may be interpreted as "at the time of," "when," or "in response to a determination." Furthermore, as used herein, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context indicates otherwise. It should be further understood that the terms "comprising" and "including" indicate the presence of the described features, steps, operations, elements, components, items, types, and / or groups, but do not exclude the presence, occurrence, or addition of one or more other features, steps, operations, elements, components, items, types, and / or groups. The terms "or" and "and / or" as used herein are to be interpreted as inclusive, meaning any one or any combination. Thus, “A, B, or C” or “A, B, and / or C” means “any of: A; B; C; A and B; A and C; B and C; A, B, and C.” An exception to this definition occurs only when a combination of elements, functions, steps, or operations are inherently mutually exclusive in some manner.

[0020] It should be understood that, although the various steps in the flowchart in the embodiment of the present application are shown in sequence according to the indication of the arrows, these steps are not necessarily performed in sequence in the order indicated by the arrows. Unless clearly stated herein, the execution of these steps is not strictly limited in order, and they can be performed in other orders. Moreover, at least a portion of the steps in the figure may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily performed at the same time, but can be performed at different times, and their execution order is not necessarily performed in sequence, but can be performed in turn or alternately with at least a portion of other steps or sub-steps or stages of other steps.

[0021] It should be noted that in this article, step codes such as S101 and S102 are used for the purpose of expressing the corresponding content more clearly and concisely, and do not constitute a substantial limitation on the order. When implementing the step, those skilled in the art may execute S102 first and then S101, etc., but these should all be within the scope of protection of this application.

[0022] It should be understood that the specific embodiments described herein are only used to explain the present application and are not intended to limit the present application.

[0023] In the subsequent description, the use of suffixes such as "module", "component" or "unit" to represent elements is only for the purpose of facilitating the description of the present application and has no specific meaning. Therefore, "module", "component" or "unit" can be used interchangeably.

[0024] In existing technology, if entrusted payment services are required for working capital loans, the finance company must first disburse funds from the lender's account to the borrower's settlement account at the finance company. The company then sends a request for entrusted payment through the OA system. After approval by relevant management, the finance company disburses the funds from the borrower's settlement account at the finance company to the borrower's receiving account through the finance company's settlement system. This entrusted payment process is complex, with long loan disbursement cycles and low payment efficiency. It also presents internal management risks and fails to meet regulatory requirements. Business personnel must operate across multiple systems, resulting in a heavy workload and the potential for data entry errors, causing financial losses for the finance company.

[0025] To solve the above problems, see Figure 1 The embodiments of the present application provide a method for entrusted payment. The method can be performed by a entrusted payment device provided in the embodiments of the present application. The entrusted payment device can be implemented in software and / or hardware, for example, a computer or other electronic device. The method for entrusted payment provided in the embodiments of the present application includes: S1, create a working capital loan application form, and send a loan notification to the financial settlement system based on the working capital loan application form to notify the financial settlement system to disburse the loan funds from the lender's account to the borrower's internal settlement account opened in the financial settlement system.

[0026] Among them, the loan notice may include the lender's account, loan amount and the borrower's internal settlement account opened in the financial settlement system.

[0027] Among them, working capital loan application forms can be created electronically within the financial business system of a large enterprise group's finance company. A finance company is a non-bank financial institution established by a large enterprise group under the approval and supervision of the State Administration of Financial Supervision and Administration. It primarily provides financial services to its member entities, including deposits, loans, settlement, and bill discounting. The financial business system is a business management platform built within the finance company, enabling online business management. This effectively reduces regulatory risks, improves the timeliness and accuracy of the finance company's business data, and enhances the data accuracy of the operating cash flow reporting system, providing a critical basis for company leadership decision-making. The finance settlement system is an information system used by the finance company of a large enterprise group to handle funds collection, payment, clearing, and settlement operations. It is primarily used to ensure the efficient and secure flow of funds and accurately record the details of every transaction. The finance settlement system is a crucial component of modern corporate financial management, improving the efficiency of financial processing while enhancing the security and transparency of fund management.

[0028] The step of creating a working capital loan application form may include receiving input working capital loan application information and saving it to a working capital loan application template table to generate the working capital loan application form. The working capital loan application information may include information such as the loan application amount, the loan date, and the due date.

[0029] The working capital loan application form may include working capital loan contract information, which may include contract subject information and other contract information. The contract subject information may include contract type, contract number, borrower, lender, loan amount, loan interest, contract start date, and contract end date. Other contract information may include payment method, loan principal and interest repayment account number, borrower's account set code, lender's account set code, lender's account number, loan amount, and the borrower's internal settlement account opened in the financial settlement system. In this embodiment, the lender is a large enterprise group, the borrower is a member unit of the large enterprise group, and the payment method is entrusted payment.

[0030] S2, creating a trustee payment order, and sending the trustee payment order to the financial settlement system, so that the financial settlement system can issue the loan funds from the internal settlement account to the borrower's collection account according to the trustee payment order.

[0031] Entrusted payment is a payment method for loan funds. In this implementation, entrusted payment means that the financial company of a large enterprise group pays the loan funds to the member units of the large enterprise group based on the withdrawal application and payment entrustment of the large enterprise group, in order to reduce the risk of loan misappropriation.

[0032] This application supports the situation where loans are made to multiple collection accounts based on a single entrusted payment order. Therefore, the number of entrusted payment orders can be one or more, and each entrusted payment order preferably contains only one collection account.

[0033] In one embodiment, the method may further include: Query the payment status of the entrusted payment order in the financial settlement system; If the payment status is successful, the payment voucher number is obtained through the application and product system; If the payment status is unsuccessful, the entrusted payment order is modified and the modified entrusted payment order is sent to the financial settlement system so that the financial settlement system makes payment according to the modified entrusted payment order.

[0034] SAP (Application and Product Systems) is a general term for a range of enterprise-level software solutions. Widely used by large, medium, and small businesses and organizations across various industries, SAP is designed to help companies optimize business processes, improve operational efficiency, enhance decision support, and facilitate digital transformation. It generally includes key functions such as financial management, production planning and control, sales and distribution, human resources management, and procurement and supply chain management. Modifying a trustee payment order involves changing the payment amount, the payment account number, or both. If the payment status of the modified trustee payment order is still unsuccessful, modify the order again until the payment status is successful.

[0035] This application links and integrates the operations of financial business systems, financial settlement systems, and application and product systems, relying on automated processing to implement functions without the need for human intervention, which can simplify processes, reduce workload, and lower error rates.

[0036] In one embodiment, creating a trustee payment order may include: In response to creating a trustee payment order, receiving an input selection operation of the borrower's collection account type and account set code and trustee payment information; Determine the borrower's collection account based on the selected collection account type and account set code; Generate a trustee payment order based on the borrower's collection account and trustee payment information.

[0037] In this embodiment, the system first receives an input selecting the borrower's payment account type. The payment account type can be a preset account type, such as an internal account or a non-external account, or it can be a non-preset account type. It then receives an input selecting the borrower's account set code. Each borrower has an account set code. Finally, it receives input of entrusted payment information, which can include information such as the payment account number and payment amount. In this embodiment, based on the selected payment account type and account set code, the system queries the database for the corresponding relationship between payment account type, account set code, and payment account number, thereby determining the borrower's payment account number. Furthermore, each entrusted payment order can be automatically linked to the corresponding working capital loan application form.

[0038] This application determines the borrower's collection account based on the selected collection account type and account set code. It then generates a trustee payment order based on the borrower's collection account and the trustee payment information. This significantly reduces manual document entry workload, mitigates operational risks, and improves the efficiency of working capital loan disbursements.

[0039] In one embodiment, determining the borrower's payment account based on the selected payment account type and account set code may include: If the selected receiving account type is a preset account type, the account number of the receiving settlement account corresponding to the selected account set code will be used as the borrower's receiving account.

[0040] If the selected receiving account type is not a preset account type, the bank account information corresponding to the selected account set code will be used as the borrower's receiving account.

[0041] In this implementation, the default account type is an internal account. The borrower's bank account information may include the customer's bank account name, the customer's bank account number, the customer's bank branch name, the bank's China National Payment System (CNAPS) code, and the province and city where the bank branch is located. The borrower's account information for the collection and settlement account opened in the financial settlement system may include the account number and account name of the collection and settlement account.

[0042] The collection settlement account opened by the borrower in the financial company's settlement system is the financial company's internal account, and the bank account information is an external account. This application can enter both internal and external accounts at the same time, and can meet the entrusted payment needs of both internal and external accounts.

[0043] This application can perform transfer operations between internal accounts, making the entrusted payment operations autonomous and controllable, avoiding the handling fees charged by bank transfers.

[0044] In one embodiment, the method may further include: Receive and store the borrower's account code and bank account number, as well as the borrower's account number for the collection and settlement account opened in the financial settlement system.

[0045] In this embodiment, the borrower's account information is received through a preset form page, including the borrower's account code and bank account number, as well as the account number of the borrower's collection and settlement account opened in the financial settlement system. The form page may include input boxes and buttons for entering and modifying the borrower's account information. The form page may also include a submit button. When the borrower's account information is submitted, data validation is performed to ensure the accuracy and completeness of the data. Data validation may include checking required fields, data format, length, etc. The verified borrower's account information is stored in the database, and SQL statements can be used to perform insert or update operations. A regular data cleanup mechanism can also be implemented to delete expired or invalid customer information to keep the database clean and the data accurate.

[0046] In one embodiment, before sending the entrusted payment order to the financial settlement system, the following steps may be included: The entrusted payment payment order shall be reviewed according to the preset entrusted payment review rules, and the entrusted payment payment order shall be sent to the financial settlement system after passing the review.

[0047] The existing technology sends a request for entrusted payment through the OA system. After approval by relevant leaders, the funds are disbursed from the borrower's settlement account at the finance company to the borrower's collection account through the financial settlement system. This application reviews the entrusted payment order according to preset entrusted payment review rules and sends the entrusted payment order to the financial settlement system after approval. This optimizes the entrusted payment approval process and improves the payment efficiency of entrusted payments.

[0048] In one embodiment, reviewing the entrusted payment order according to preset entrusted payment review rules may include: The risk prediction of the entrusted payment order is carried out through multiple preset risk prediction models to obtain multiple prediction results.

[0049] A voting operation is performed on multiple prediction results based on a preset voting algorithm to obtain a voting result, and the voting result is determined as a review result of the entrusted payment order.

[0050] Among them, multiple preset models are preferably supervised learning models and unsupervised learning models. The supervised learning model performs risk prediction through logistic regression algorithm and random forest algorithm, and the unsupervised learning model performs risk prediction through k-means clustering algorithm. Each preset model generates a prediction result.

[0051] Supervised learning model is an important model in machine learning. This model can predict the corresponding output based on the given input by learning the mapping relationship between input and output.

[0052] An unsupervised learning model is a machine learning model that does not require labeled data to train the model. Instead, it learns and classifies by leveraging the distribution characteristics and relative positions of the data itself.

[0053] Logistic regression is a machine learning algorithm used for binary classification problems. Its basic principle is to use a mathematical model to estimate the relationship between input features and target categories and output a probability value indicating the likelihood that a sample belongs to a certain category.

[0054] The random forest algorithm is an ensemble learning algorithm that builds multiple decision trees and combines their prediction results to improve the accuracy and robustness of the model.

[0055] The k-means clustering algorithm is an iterative clustering analysis algorithm. Its steps are to pre-divide the data into K groups, randomly select K objects as the initial cluster centers, and then calculate the distance between each object and each seed cluster center, and assign each object to the cluster center closest to it.

[0056] This application can effectively reduce the risk of fraud and operational errors and improve the overall security of the system by identifying and managing risks in an automated manner.

[0057] In summary, the entrusted payment method provided in the above embodiment sends a loan notice to the financial settlement system based on the current loan application form. The financial settlement system then disburses funds from the lender's account to the borrower's internal settlement account opened in the financial settlement system based on the loan notice. A trust payment invoice is then sent to the financial settlement system, and the financial settlement system disburses funds from the internal settlement account to the borrower's receiving account based on the trust payment invoice. This effectively links the process of disbursing loans to the internal settlement account with the process of making external payments to the borrower's receiving account, reducing manual document recording workload, optimizing the entrusted payment process, shortening the loan disbursement cycle, improving fund payment efficiency, and mitigating regulatory risks.

[0058] See Figure 2 Another embodiment of the present application provides a trustee payment device that realizes the function of linking the process of issuing loans to internal settlement accounts with the process of external payments to borrowers' collection accounts, which can effectively reduce the workload of manual order recording, optimize the trustee payment process, shorten the loan issuance cycle, and improve the efficiency of fund payment. The trustee payment device includes: Internal Loan Module 1 is used to create a working capital loan application form and, based on the working capital loan application form, send a loan disbursement notice to the Finance and Settlement System, instructing the Finance and Settlement System to disburse the loan proceeds from the lender's account to the borrower's internal settlement account established in the Finance and Settlement System. The loan disbursement notice may include the lender's account, the loan amount, and the borrower's internal settlement account established in the Finance and Settlement System.

[0059] The entrusted payment module 2 is used to create an entrusted payment order and send the entrusted payment order to the financial settlement system so that the financial settlement system can issue the loan amount from the internal settlement account to the borrower's collection account according to the entrusted payment order. In one embodiment, the entrusted payment module 2 includes the following submodules: The payment order creation submodule is used to receive and store the input borrower's account set code and bank account number, as well as the account number of the collection settlement account opened by the borrower in the financial settlement system; receive the input selection operation of the borrower's collection account type and account set code and the entrusted payment information; if the selected collection account type is a preset account type, the account number of the collection settlement account corresponding to the selected account set code will be used as the borrower's collection account; if the selected collection account type is not a preset account type, the bank account information corresponding to the selected account set code will be used as the borrower's collection account; generate a entrusted payment order based on the borrower's collection account number and entrusted payment information.

[0060] The risk prediction submodule is used to predict the risks of the entrusted payment order through multiple preset risk prediction models to obtain multiple prediction results; vote on the multiple prediction results based on the preset voting algorithm to obtain the voting results, and determine the voting results as the review results of the entrusted payment order, and send the entrusted payment order to the financial settlement system after the review is passed.

[0061] The payment status query submodule is used to query the payment status of the entrusted payment order in the financial settlement system; if the payment status is successful, the payment voucher number is obtained through the application and product system; if the payment status is unsuccessful, the entrusted payment order is modified and the modified entrusted payment order is sent to the financial settlement system so that the financial settlement system can make payment according to the modified entrusted payment order.

[0062] Based on the same inventive concept as the above embodiments, the above embodiments are described in detail below through a specific application scenario.

[0063] The working capital loan application form creation page of the financial business system of the electronic device receives input working capital loan application information and saves it to the working capital loan application template table to generate the working capital loan application form. The working capital loan application information may include information such as the loan application amount, loan date, and due date.

[0064] The working capital loan application form may also include working capital loan contract information, which may include contract subject information and other contract information. Contract subject information may include contract type, contract number, borrower, lender, loan amount, loan interest, contract start date, and contract end date. Other contract information may include payment method, loan principal and interest repayment account number, borrower's account set code, lender's account number, loan amount, and the borrower's internal settlement account opened in the financial settlement system. The lender is a large enterprise group, the borrower is a member unit of the large enterprise group, and the payment method is entrusted payment.

[0065] Among them, the financial business system is a business management platform built within the financial company, which is used to realize online business management. It can effectively reduce regulatory risks, improve the timeliness and accuracy of the financial company's business data, and improve the data accuracy of the operating cash flow reporting system, providing an important basis for the company's leadership decision-making.

[0066] After the working capital loan application form is generated, a loan notice is sent to the financial settlement system in the financial business system. The loan notice includes the lender's account, loan amount and the borrower's internal settlement account opened in the financial settlement system.

[0067] After receiving the loan disbursement notice, the Finance Department's settlement system disburses the loan funds from the lender's account to the borrower's internal settlement account opened in the Finance Department's settlement system. It also sends the actual disbursement information, including the disbursement amount and date, to the financial business system. The financial business system receives the actual disbursement information returned by the Finance Department's settlement system and automatically fills it into the Working Capital Loan Disbursement Application Form. Based on the Working Capital Loan Disbursement Application Form, the system then generates a repayment plan for the loan using a pre-set fund decomposition algorithm.

[0068] The borrower's account set code and bank account number, as well as the account number of the borrower's collection settlement account opened in the financial settlement system are received and stored in the database on the borrower information entry page of the financial business system.

[0069] On the entrusted payment order creation page of the financial business system, the user enters the borrower's account type and account set code, then enters the borrower's account set code, and then enters the entrusted payment information. The account type can be either an internal or external account, and the entrusted payment information can include the payment account number and payment amount.

[0070] If the selected receiving account type is an internal account, the database will be queried based on the selected account set code to obtain the corresponding receiving settlement account number, and the receiving settlement account number will be used as the borrower's receiving account number.

[0071] If the selected receiving account type is not an internal account, the database will be queried based on the selected account set code to obtain the corresponding bank account information, and the bank account information will be used as the borrower's receiving account.

[0072] A trustee payment order is generated based on the borrower's collection account and trustee payment information. Each trustee payment order is automatically associated with the corresponding flow loan application form.

[0073] Auditing entrusted payment orders within financial business systems begins with data collection and preprocessing. This involves collecting all transaction-related data, including transaction amounts, transaction times, and information about both parties. This includes recording user login times, locations, and operational records, and integrating third-party data sources such as credit scores and blacklists. Next, the system extracts transaction data, extracting transaction timestamps and analyzing transaction frequency and time periods. The system also analyzes the distribution of transaction amounts to identify unusually large transactions, the geographic location of transactions to identify transactions in different locations, and user behavior patterns to identify unusual patterns.

[0074] Then, a risk prediction is performed on the entrusted payment order using multiple preset risk prediction models to obtain multiple prediction results. A voting operation is performed on the multiple prediction results based on a preset voting algorithm to obtain a voting result, which is then determined as the audit result of the entrusted payment order. A determination is then made as to whether the audit result of the entrusted payment order exceeds a preset risk threshold. If so, the audit result of the entrusted payment order is determined to have failed; if not, the audit result of the entrusted payment order is determined to have passed.

[0075] The approved entrusted payment order is sent to the financial settlement system. After receiving the entrusted payment order, the financial settlement system will disburse the loan funds from the borrower's internal settlement account to the borrower's collection account.

[0076] In the financial business system, the payment status of the entrusted payment order in the financial settlement system is queried through the preset automatic task script.

[0077] If the payment status is successful, the payment voucher number is obtained through the application and product system.

[0078] If the payment status is unsuccessful, the entrusted payment order will be modified and sent to the financial settlement system. After the financial settlement system receives the modified entrusted payment order, it will disburse the loan funds from the internal settlement account to the borrower's collection account.

[0079] Based on the same inventive concept as the above embodiments, the present embodiment provides an electronic device, such as Figure 3As shown, the device includes: a processor 310 and a memory 311 storing a computer program; wherein, Figure 3 The processor 310 shown in the figure is not used to indicate that the number of processors 310 is one, but is only used to indicate the positional relationship of the processor 310 relative to other devices. In actual applications, the number of processors 310 may be one or more; similarly, Figure 3 The memory 311 shown in the figure has the same meaning, that is, it is only used to refer to the position relationship of the memory 311 relative to other devices. In actual applications, the number of memories 311 can be one or more. When the processor 310 runs the computer program, the entrusted payment method applied to the above device is implemented.

[0080] The device may also include: at least one network interface 312. The various components in the device are coupled together via a bus system 313. It is understood that the bus system 313 is used to achieve connection and communication between these components. In addition to the data bus, the bus system 313 also includes a power bus, a control bus, and a status signal bus. However, for the sake of clarity, Figure 3 Various buses are labeled as bus system 313.

[0081] Memory 311 may be volatile memory or non-volatile memory, or may include both volatile and non-volatile memory. Non-volatile memory may include read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), ferromagnetic random access memory (FRAM), flash memory, magnetic surface memory, optical disk, or compact disc read-only memory (CD-ROM); magnetic surface memory may include magnetic disk or tape memory. Volatile memory may include random access memory (RAM), which is used as an external cache. By way of example and not limitation, many forms of RAM are available, such as static random access memory (SRAM), synchronous static random access memory (SSRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (SDRAM), double data rate synchronous dynamic random access memory (DDRSDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link dynamic random access memory (SLDRAM), and direct rambus random access memory (DRRAM).The memory 311 described in the embodiments of the present application is intended to include but is not limited to these and any other suitable types of memory.

[0082] The memory 311 in the embodiment of the present application is used to store various types of data to support the operation of the device. Examples of such data include: any computer program used to operate on the device, such as an operating system and an application; contact data; phone book data; messages; pictures; videos, etc. Among them, the operating system includes various system programs, such as a framework layer, a core library layer, a driver layer, etc., which are used to implement various basic services and process hardware-based tasks. The application program can include various applications, such as a media player (Media Player), a browser (Browser), etc., which are used to implement various application services. Here, the program that implements the method of the embodiment of the present application can be included in the application program.

[0083] Based on the same inventive concept as the aforementioned embodiment, this embodiment further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program. The computer-readable storage medium may be a magnetic random access memory (FRAM), a read-only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), a flash memory, a magnetic surface memory, an optical disc, or a compact disc read-only memory (CD-ROM); or various devices including one or any combination of the aforementioned memories, such as a mobile phone, a computer, a tablet device, a personal digital assistant, etc. When the computer program stored in the computer-readable storage medium is executed by a processor, the above-mentioned entrusted payment method is implemented. For the specific steps implemented when the computer program is executed by the processor, please refer to the following. Figure 1 The description of the illustrated embodiment will not be repeated here.

[0084] The technical features of the above-mentioned embodiments can be combined arbitrarily. In order to make the description concise, not all possible combinations of the technical features in the above-mentioned embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0085] As used herein, the terms "comprises," "comprising," or any other variations thereof are intended to cover a non-exclusive inclusion of elements other than the listed elements and may also include additional elements not specifically listed.

[0086] The above description is merely a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this application should be included in the scope of protection of this application. Therefore, the scope of protection of this application should be based on the scope of protection of the claims.

Claims

1. A method of entrusted payment, characterized in that: include: S1. Create a working capital loan application form and, based on the working capital loan application form, send a loan disbursement notice to the financial settlement system to notify the financial settlement system to disburse the loan proceeds from the lender's account to the borrower's internal settlement account opened in the financial settlement system; the loan disbursement notice includes the lender's account, the loan proceeds, and the borrower's internal settlement account opened in the financial settlement system; S2, creating a trustee payment order, and sending the trustee payment order to the financial settlement system, so that the financial settlement system can issue the loan amount from the internal settlement account to the borrower's collection account according to the trustee payment order.

2. The entrusted payment method according to claim 1, wherein: Also includes: Query the payment status of the entrusted payment order in the financial settlement system; If the payment status is successful, the payment voucher number is obtained through the application and product system; If the payment status is unsuccessful, the entrusted payment order is modified, and the modified entrusted payment order is sent to the financial settlement system, so that the financial settlement system makes payment according to the modified entrusted payment order.

3. The entrusted payment method according to claim 1, wherein: The step of creating a trustee payment order includes: In response to creating a trust payment order, receiving an input selection operation of the borrower's payment account type and account set code and trust payment information; Determine the borrower's payment account based on the selected payment account type and account set code; The entrusted payment payment slip is generated according to the borrower's collection account number and the entrusted payment information.

4. The entrusted payment method according to claim 3, wherein: The step of determining the borrower's payment account based on the selected payment account type and account set code includes: If the selected receiving account type is a preset account type, the account number of the receiving settlement account corresponding to the selected account set code will be used as the receiving account of the borrower; If the selected payment account type is not the preset account type, the bank account information corresponding to the selected account set code will be used as the payment account of the borrower.

5. The entrusted payment method according to claim 4, wherein: Also includes: Receive and store the input account set code and bank account number of the borrower, as well as the account number of the payment settlement account opened by the borrower in the financial settlement system.

6. The entrusted payment method according to claim 1, wherein: Before sending the entrusted payment order to the financial settlement system, the following steps are included: The entrusted payment payment slip is audited according to the preset entrusted payment audit rules, and after passing the audit, the entrusted payment payment slip is sent to the financial settlement system.

7. The entrusted payment method according to claim 6, wherein: The auditing of the entrusted payment order according to the preset entrusted payment audit rules includes: Perform risk prediction on the entrusted payment order using multiple preset risk prediction models to obtain multiple prediction results; A voting operation is performed on the multiple prediction results based on a preset voting algorithm to obtain a voting result, and the voting result is determined as a review result of the entrusted payment order.

8. A trust payment device, characterized in that: include: an internal loan disbursement module, configured to create a working capital loan disbursement application form and, based on the working capital loan disbursement application form, send a disbursement notice to the financial settlement system to notify the financial settlement system to disburse the loan proceeds from the lender's account to the borrower's internal settlement account opened in the financial settlement system; the disbursement notice includes the lender's account, the loan proceeds, and the borrower's internal settlement account opened in the financial settlement system; The entrusted payment module is used to create an entrusted payment bill and send the entrusted payment bill to the financial settlement system so that the financial settlement system can issue the loan amount from the internal settlement account to the borrower's collection account according to the entrusted payment bill.

9. An electronic device, characterized in that: The electronic device includes a processor and a memory storing a computer program. When the processor runs the computer program, the steps of the entrusted payment method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium, characterized in that A computer program is stored, and when the computer program is executed by a processor, the steps of the entrusted payment method according to any one of claims 1 to 7 are implemented.

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