Transfer identification method, device and equipment, storage medium and computer program product

Abstract

The invention relates to a transfer identification method, device and equipment, a storage medium and a computer program product. The method comprises the following steps: displaying a transfer notice about a transfer operation, wherein the transfer operation is a fund transfer-in operation executed to a second fund account through a first fund account; wherein the transfer operation is marked as normal transfer operation under the condition that an order matched with the entry flow information of the second fund account exists in the to-be-matched orders of the object identifier related to the first fund account, and the transfer notification is used for notifying that the related order has normally transferred; under the condition that the order matched with the entry flow information of the second fund account does not exist in the to-be-matched orders of the object identifier bound with the first fund account, the transfer operation is marked as a wrong transfer operation, and the transfer notification is used for notifying that the transfer operation is the wrong transfer operation. By adopting the method, normal transfer and error transfer can be efficiently and accurately identified.

Description

Technical Field

[0001] This application relates to the field of Internet technology, and in particular to a method, apparatus, device, storage medium, and computer program product for identifying fund transfers. Background Technology

[0002] With the development of computer and internet technologies, various payment platforms have emerged, providing users with convenient payment experiences. For example, users can transfer funds to a recipient's account via their bank account or a payment account on the platform. However, accidental transfers frequently occur. For instance, a user might intend to transfer funds to the recipient's escrow account A but mistakenly transfers them to the recipient's deposit account B.

[0003] In current technologies, identifying and initiating refunds for erroneous transfers is often cumbersome, requiring manual intervention or complex procedures for confirmation and processing. This involves multiple steps and can take a considerable amount of time to complete, resulting in a poor user experience. Furthermore, these technologies often lack clarity in distinguishing between legitimate and erroneous transfers, potentially requiring multiple manual confirmations and verifications, and may even lead to the mistaken refund of legitimately transferred funds, resulting in financial losses. Therefore, how to efficiently and accurately identify and process erroneous transfers has become a pressing issue. Summary of the Invention

[0004] Therefore, it is necessary to provide a transfer identification method, device, equipment, storage medium, and computer program product that can efficiently and accurately identify normal transfers and erroneous transfers, addressing the aforementioned technical problems.

[0005] Firstly, this application provides a method for identifying fund transfers. The method includes:

[0006] Obtain incoming transaction information for the second fund account from the account custody platform. The incoming transaction information is generated and sent by the account custody platform when it detects a transfer operation from the first fund account to the second fund account.

[0007] After retrieving the primary fund account as the payment account from the incoming transaction information, the object identifier associated with the primary fund account is determined, and the incoming transaction information is matched with the order to be matched for the object identifier.

[0008] If a target order that matches the incoming transaction information exists among the pending orders, the transfer operation will be marked as a normal transfer operation, and a transfer notification will be sent to the terminal corresponding to the object identifier. The transfer notification is used to notify the relevant order that the transfer has been completed normally.

[0009] In a case where there is no target order in the to-be-matched order that matches the entry flow information, the transfer operation is marked as a mis-transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0010] In a second aspect, the application further provides a transfer identification method. The method comprises:

[0011] submitting a target order to a payment server through an object identifier;

[0012] performing a transfer operation from a first fund account bound to the object identifier to a second fund account as a receiving account of the target order, the transfer operation being a fund transfer-in operation performed from the first fund account to the second fund account;

[0013] In a case where there is an order in the to-be-matched order of the object identifier related to the first fund account that matches the entry flow information of the second fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify that the related order has been normally transferred;

[0014] In a case where there is no order in the to-be-matched order of the object identifier bound to the first fund account that matches the entry flow information of the second fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0015] In a third aspect, the application further provides a transfer identification device. The device comprises:

[0016] an entry flow information acquisition module configured to acquire entry flow information about a second fund account from an account custodian platform, the entry flow information being generated and sent by the account custodian platform when detecting a transfer operation from a first fund account to the second fund account;

[0017] a matching module configured to, after querying the first fund account as a payment account from the entry flow information, determine an object identifier related to the first fund account, and match the entry flow information with a to-be-matched order of the object identifier;

[0018] a notification initiation module configured to, in a case where there is a target order in the to-be-matched order that matches the entry flow information, mark the transfer operation as a normal transfer operation, send a transfer notification to a terminal corresponding to the object identifier, and use the transfer notification to notify that the related order has been normally transferred;

[0019] The notification initiation module is further configured to, in a case where there is no target order in the to-be-matched order that matches the entry flow information, mark the transfer operation as a mis-transfer operation, send a transfer notification to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0020] In a fourth aspect, the present application further provides a transfer identification device. The device comprises:

[0021] An order submission module configured to submit a target order to a payment server through an object identifier;

[0022] A transfer operation module configured to perform a transfer operation from a first fund account bound to the object identifier to a second fund account as a payee account of the target order, and the transfer operation is a fund transfer-in operation performed from the first fund account to the second fund account;

[0023] A display module configured to, in a case where there is an order in the to-be-matched order of the object identifier related to the first fund account that matches the entry flow information of the second fund account, display a transfer notification about the transfer operation, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify that the related order has been normally transferred;

[0024] The display module is further configured to, in a case where there is no order in the to-be-matched order of the object identifier bound to the first fund account that matches the entry flow information of the second fund account, display a transfer notification about the transfer operation, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0025] In a fifth aspect, the present application further provides a computer device. The computer device comprises a memory and a processor, the memory stores a computer program, and the processor implements the following steps when executing the computer program:

[0026] Obtain entry flow information about the second fund account from an account custodian platform, and the entry flow information is generated and sent by the account custodian platform when detecting a transfer operation from the first fund account to the second fund account;

[0027] After the first fund account as a payee account is queried from the entry flow information, determine an object identifier related to the first fund account, and match the entry flow information with a to-be-matched order of the object identifier;

[0028] In a case where there is a target order in the to-be-matched order that matches the entry flow information, mark the transfer operation as a normal transfer operation, send a transfer notification to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the related order has been normally transferred;

[0029] In the case that there is no target order in the to-be-matched order that matches the entry flow information, the transfer operation is marked as a mis-transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0030] In a sixth aspect, the present application also provides a computer device. The computer device comprises a memory and a processor, the memory stores a computer program, and the processor implements the following steps when executing the computer program:

[0031] submitting the target order to the payment server through the object identifier;

[0032] performing a transfer operation on the second fund account as the receiving account of the target order through the first fund account bound to the object identifier, the transfer operation being a fund transfer-in operation performed on the second fund account through the first fund account;

[0033] In the case that there is an order in the to-be-matched order of the object identifier related to the first fund account that matches the entry flow information of the second fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify that the related order has been normally transferred;

[0034] In the case that there is no order in the to-be-matched order of the object identifier bound to the first fund account that matches the entry flow information of the second fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0035] In a seventh aspect, the present application also provides a computer readable storage medium. The computer readable storage medium stores a computer program, and the computer program is executed by a processor to implement the following steps:

[0036] obtaining entry flow information about the second fund account from an account custodian platform, the entry flow information being generated and sent by the account custodian platform when detecting a transfer operation from the first fund account to the second fund account;

[0037] after the first fund account as the payment account is queried from the entry flow information, determining an object identifier related to the first fund account, and matching the entry flow information with a to-be-matched order of the object identifier;

[0038] In the case that there is a target order in the to-be-matched order that matches the entry flow information, the transfer operation is marked as a normal transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the related order has been normally transferred;

[0039] In the case that there is no target order in the to-be-matched order that matches the entry flow information, the transfer operation is marked as a mis-transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0040] In an eighth aspect, the present application also provides a computer readable storage medium. The computer readable storage medium has a computer program stored thereon, and the computer program, when executed by a processor, implements the following steps:

[0041] submitting the target order to the payment server through the object identifier;

[0042] performing a transfer operation from the first fund account bound to the object identifier to the second fund account as the receiving account of the target order, the transfer operation being a fund transfer-in operation performed from the first fund account to the second fund account;

[0043] In the case that there is an order in the to-be-matched order of the object identifier related to the first fund account that matches the entry flow information of the second fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify that the related order has been normally transferred;

[0044] In the case that there is no order in the to-be-matched order of the object identifier bound to the first fund account that matches the entry flow information of the second fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0045] In a ninth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and the computer program, when executed by a processor, implements the following steps:

[0046] obtaining entry flow information about the second fund account from an account custodian platform, the entry flow information being generated and sent by the account custodian platform when detecting a transfer operation from the first fund account to the second fund account;

[0047] after the first fund account as the paying account is queried from the entry flow information, determining an object identifier related to the first fund account, and matching the entry flow information with a to-be-matched order of the object identifier;

[0048] In the case that there is a target order in the to-be-matched order that matches the entry flow information, the transfer operation is marked as a normal transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the related order has been normally transferred;

[0049] In the case that there is no target order matching the account entry serial information in the to-be-matched order of the object identifier, the transfer operation is marked as a mis-transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0050] In a tenth aspect, the application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the following steps:

[0051] submitting the target order to the payment server through the object identifier;

[0052] performing a transfer operation from the first fund account bound to the object identifier to the second fund account as the payment account of the target order, the transfer operation being a fund transfer-in operation performed from the first fund account to the second fund account;

[0053] In the case that there is an order matching the account entry serial information of the second fund account in the to-be-matched order of the object identifier related to the first fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify that the related order has been normally transferred;

[0054] In the case that there is no order matching the account entry serial information of the second fund account in the to-be-matched order of the object identifier bound to the first fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0055] The above transfer identification method, device, computer device, storage medium and computer program product obtain the account entry serial information of the second fund account from the account custodian platform, the account entry serial information is generated and sent by the account custodian platform when detecting the transfer operation from the first fund account to the second fund account, then after the first fund account as the payment account is queried from the account entry serial information, the object identifier related to the first fund account is determined, the account entry serial information is matched with the to-be-matched order of the object identifier, so that the account entry serial information generated by the transfer operation is forcibly matched, only in the case that a target order matching the account entry serial information is successfully identified, the account entry fund is regarded as a normal fund transfer-in of the second fund account, and the account entry serial information which cannot successfully match the target order is quickly identified as a mis-payment fund of the second fund account, and the transfer operation from the first fund account to the second fund account is distinguished as a normal transfer operation or a mis-transfer operation, a transfer notification is sent to the terminal corresponding to the object identifier, and whether the fund transfer-in operation performed by the object identifier indicated in the transfer notification is abnormal or not is notified to the transfer object through the transfer notification, without manual access to the matching process, thereby improving the efficiency and accuracy of transfer identification.

[0056] Secondly, in another transfer identification method, through a fund transfer-in operation performed by a first fund account to a second fund account, it is identified whether there is an order in the object identification related order to be matched of the first fund account that matches the entry flow information of the second fund account. By matching the order information of the order to be matched with the entry flow information, the entry flow information corresponding to each entry fund received by the second fund account is forced to match, so as to clearly distinguish the nature of each entry fund, so that only the entry fund corresponding to the entry flow information successfully associated and matched to the order can be regarded as the normal fund transfer-in of the second fund account, and the entry fund that is not successfully associated is quickly identified as the mis-typed fund of the second fund account. At the same time, it is distinguished whether the transfer operation is a normal transfer operation or a mis-transfer operation, so that the transfer notification about the transfer operation is displayed on the terminal, so as to notify the transfer object through the transfer notification whether the fund transfer-in operation is abnormal, on the basis of ensuring normal transfer payment for the order, avoiding the situation that the normal transfer fund is mistakenly returned, and more accurately identifying the mis-transfer operation to notify the transfer object, thereby improving the efficiency and accuracy of the transfer identification. BRIEF DESCRIPTION OF DRAWINGS

[0057] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related art, the drawings needed to be used in the description of the embodiments of the present application or the related art will be briefly introduced. Obviously, the drawings in the following description only some embodiments of the present application, and for those skilled in the art, other related drawings can be obtained without creative labor on the basis of these drawings.

[0058] Figure 1 For an application environment diagram of the transfer identification method in an embodiment;

[0059] Figure 2 For a complete interaction flowchart of the entry callback processing flow, the entry matching processing flow and the mis-transfer identification flow involved in the fund matching service in an embodiment;

[0060] Figure 3 For a flowchart of the transfer identification method in an embodiment;

[0061] Figure 4 For an operation flowchart of submitting an order in an embodiment;

[0062] Figure 5 For an interface diagram of a collection information interface in an embodiment;

[0063] Figure 6 For a control diagram of a transfer control in the collection information interface in an embodiment;

[0064] Figure 7 A schematic diagram of a trigger operation for confirming a transfer in one embodiment;

[0065] Figure 8 A control schematic diagram of an information copy control in a payee information interface in one embodiment;

[0066] Figure 9 A schematic diagram of a trigger operation on an information copy control in a payee information interface in one embodiment;

[0067] Figure 10 A schematic diagram of a prompt interface for a jump payment in a notification displayed in a payee information interface in one embodiment;

[0068] Figure 11 A control schematic diagram of a transfer status query control in a payee information interface in one embodiment;

[0069] Figure 12 A schematic diagram of an interface displaying a transfer status of a target order in one embodiment;

[0070] Figure 13 A schematic diagram of an interface displaying a transfer notification in one embodiment;

[0071] Figure 14 A schematic diagram of an interface displaying a fund return notification in one embodiment;

[0072] Figure 15 A schematic diagram of a flow of a transfer identification method in another embodiment;

[0073] Figure 16 A schematic diagram of an order and a deposit flow information order in one embodiment;

[0074] Figure 17 A schematic diagram of a complete flow of a transfer identification method in one embodiment;

[0075] Figure 18 A structural block diagram of a transfer identification apparatus in one embodiment;

[0076] Figure 19 A structural block diagram of a transfer identification apparatus in another embodiment;

[0077] Figure 20 An internal structural diagram of a computer device in one embodiment;

[0078] Figure 21 An internal structural diagram of a computer device in another embodiment. DETAILED DESCRIPTION

[0079] In order to make the purposes, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and do not limit the present application.

[0080] With the development of computer technology and Internet technology, various payment platforms have emerged, which can provide users with convenient payment experience. For example, a user can transfer funds to a payee's account through a bank account or a payment account of the payment platform. However, mis-transferred accounts often occur during fund transfer. For example, when a user transfers funds, he or she wants to transfer funds to the payee's deposit account A, but mistakenly transfers funds to the payee's deposit account B. In the related art, it is often cumbersome to identify mis-transferred accounts and initiate a refund process, which requires manual intervention or complex processes to confirm and handle, involves multiple links, and may take a long time to complete the refund, resulting in poor user experience. In addition, the related art does not clearly distinguish between normal transfers and mis-transfers, which may require multiple manual confirmations and verifications, and may also cause normal transfer funds to be mistakenly refunded, resulting in financial losses. Therefore, how to efficiently and accurately identify and handle mis-transferred accounts has become a problem to be solved.

[0081] The embodiments of the present application provide a transfer identification method that can efficiently and accurately identify normal transfers and mis-transfers. The transfer identification method provided by the embodiments of the present application can be applied in an application environment as shown in Figure 1 The terminal 102 communicates with the payment server 104 through a network. The data storage system can store data required to be processed by the payment server 104. The data storage system can be integrated on the payment server 104, or placed on the cloud or other servers.

[0082] Specifically, the application is first applied to the payment server 104, the payment server 104 obtains the account flow information of the second fund account from the account storage platform, and the account flow information is generated and sent by the account storage platform when detecting the transfer operation from the first fund account to the second fund account. After the payment server 104 queries the first fund account as the payment account from the account flow information, it determines the object identifier related to the first fund account, and matches the account flow information with the to-be-matched order of the object identifier. Based on this, the payment server 104 marks the transfer operation as a normal transfer operation in the case that there is a target order in the to-be-matched order that matches the account flow information, and sends a transfer notification to the terminal 102 corresponding to the object identifier, which is used to notify the related order of the normal transfer. In the case that there is no target order in the to-be-matched order that matches the account flow information, the payment server 104 marks the transfer operation as a mis-transfer operation, and sends a transfer notification to the terminal 102 corresponding to the object identifier, which is used to notify the transfer operation as a mis-transfer operation. The order information of the to-be-matched order is matched with the account flow information to identify the normal transfer operation and the mis-transfer operation, without manual access to the matching process, thereby improving the efficiency and accuracy of the transfer identification.

[0083] Secondly, after the payment server 104 sends the transfer notification to the terminal 102 corresponding to the object identifier, the terminal 102 needs to display the generated transfer notification to notify the transfer object whether the transfer operation is a normal transfer operation or a mis-transfer operation. Taking the application to the terminal 102 as an example, the terminal 102 submits a target order to the payment server through the object identifier, and then performs a transfer operation through the first fund account bound to the object identifier to the second fund account as the target order. As described above, the transfer operation is a fund transfer-in operation performed by the first fund account to the second fund account. In the case that there is an order in the to-be-matched order of the object identifier related to the first fund account that matches the account flow information of the second fund account, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify the related order of the normal transfer. In the case that there is no order in the to-be-matched order of the object identifier bound to the first fund account that matches the account flow information of the second fund account, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to notify the transfer operation as a mis-transfer operation. The order information of the to-be-matched order is matched with the account flow information to identify the normal transfer operation and the mis-transfer operation, and then the transfer notification about the transfer operation is displayed to notify the transfer object whether the fund transfer-in operation is abnormal. On the basis of ensuring normal transfer payment for the order, the situation of normal transfer funds being mistakenly returned is avoided, and the mis-transfer operation can be more accurately identified to notify the transfer object, further improving the efficiency and accuracy of the transfer identification.

[0084] The terminal 102 can be, but is not limited to, various desktop computers, notebook computers, smart phones, tablet computers, Internet of Things devices, and portable wearable devices. The Internet of Things device can be a smart speaker, a smart television, a smart air conditioner, a smart vehicle device, etc. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, etc. The payment server 104 can be implemented by a stand-alone server or a server cluster composed of multiple servers. The transfer identification method provided in the embodiments of the present application can be applied to various scenarios, including but not limited to scenarios such as ordering in a shopping program and ordering services, which require matching of order information and transfer information.

[0085] The related concepts involved in the transfer identification method in the embodiments of the present application will be introduced below.

[0086] Payment platform: The payment platform is a platform for processing order transactions and performing transfer identification.

[0087] Payment platform: The payment platform is a platform for performing transfer operations from a payment account to a receiving account.

[0088] Account custodian platform: The account custodian platform is a platform for storing funds of a receiving object. The account custodian platform can store a receiving account corresponding to the receiving object, so the account custodian platform can receive the incoming funds transferred by the payment platform and generate incoming flow information of the incoming funds, and send the incoming flow information to the payment platform.

[0089] Forced recognition: Forced recognition refers to a process in which the payment platform requires that the order information of each payment order be associated with the incoming flow information of an incoming fund one by one, that is, the incoming flow information of the incoming fund is matched with the order information of the order one by one. Only when the payment platform confirms that the payment object has successfully paid and the account custodian platform of the receiving object has received the corresponding incoming fund transferred by the payment platform, the incoming flow information of the incoming fund is generated. After the incoming flow information and the order information of the order are successfully matched, the transfer notification displayed on the terminal of the payment object is used to notify that the relevant order has been normally transferred.

[0090] Incoming flow information: The incoming flow information refers to the incoming fund arrival information corresponding to the incoming fund received by the account custodian platform of the receiving object from the payment platform of the payment object. Therefore, the incoming flow information at least includes, but is not limited to, the transfer time, the transfer amount, the payment account of the payment object, the payment account of the receiving object, the transfer type, the transfer note, etc. The incoming flow information generated in the present embodiment is used to confirm whether the incoming fund is successfully transferred to the receiving account of the receiving object under the account custodian platform, and is also used to match the order information of the order to complete the forced recognition.

[0091] Mis-transfer operation: the mis-transfer operation refers to that the payee makes a mistake in transferring the incoming funds to the wrong payee account, or transferring the wrong incoming funds to the payee account, or filling in the wrong transfer note, etc. Under the premise of ensuring the safety of the incoming funds, the payment platform identifies the mis-transfer operation through the transfer identification method provided in the embodiment and timely returns the incoming funds corresponding to the mis-transfer operation to the payee's payment account.

[0092] custodian: the custodian refers to the account of the account custodian platform specially used for storing the funds of the payee. Usually, the payment platform initiates an order transaction instruction, and all the incoming funds transferred through the payment platform by the payee account will first enter the custodian of the account custodian platform. After completing the order processing, the custodian will transfer the funds to the payee corresponding to the custodian according to the order type. And the payee can exist in one or more custodians, such as, the payee A1 exists in the custodian B1, while the payee A2 exists in the custodian B2, the custodian B3 and the custodian B4.

[0093] payment platform: the payment platform refers to the payment bank used by the payee when making a transfer payment or direct payment. Therefore, the payment platform can process the payment request of the payee and confirm the transfer of the payment funds.

[0094] key elements: the key elements refer to the information in the order information and the incoming flow information matched in the transfer identification process in the embodiment. The key elements in the order information include but are not limited to the order time, the order amount, the order number, the order account and the payee account. The key elements in the incoming flow information include but are not limited to the transfer time, the transfer time, the transfer amount, the payment account and the payee account. The key elements are used to ensure the accurate matching between the incoming flow information and the order information of the order.

[0095] payment success notification: the payment success notification refers to the transfer notification sent by the payment platform to the corresponding terminal of the payee under the condition that the payment platform has successfully processed the transfer request, the account custodian platform has received the incoming funds and generated the incoming flow information, and the payment platform determines that there is order information matched with the incoming flow information through forced recognition. The transfer notification is used to notify that the related order has been normally transferred.

[0096] Based on the foregoing related concepts, the transfer identification method provided in the embodiment needs to be based on the fund matching service, and the fund matching service completes the transfer identification method introduced in the embodiment through the incoming callback processing flow, the incoming matching processing flow and the mis-transfer identification flow. The foregoing flows are introduced as follows. Figure 2The complete interaction flowchart of the entry callback processing flow, the entry matching processing flow and the mis-transfer identification flow involved in the illustrated fund matching service.

[0097] In the entry callback processing flow 201, the bank performing the transfer sends an entry callback for the transfer operation to the callback gateway, so that the callback gateway responds to the entry callback to drive the fund matching service to start running, so that repeated checking is performed by the fund matching service, and the callback content fed back by the fund matching service is called by the callback gateway to determine whether the transfer operation is a normal transfer operation or a mis-transfer operation. In the entry callback processing flow 201, the account core also needs to be queried to query the account number of the custodian, that is, to query the payment object to submit the order of the payment account number. After the payment object submits the order, the entry callback processing flow 201 will first write the transfer note corresponding to the order and the payment account into the entry details to complete the record of the payment account for this order. In the entry matching processing flow 202, if the feedback callback information is entry matching failure, the mis-transfer identification flow 203 is driven at this time.

[0098] Based on this, in the entry matching processing flow 202, different cores are called for processing considering the different types of submitted orders, including private payment core, public payment core and settlement core. Among them, the settlement core is used to match the order entry, and then the payment object can transfer for the submitted order. In the fund matching service, it is mainly matched whether the transfer note corresponding to the entry fund and the order number of the order are consistent. If they are consistent, the entry callback processing flow 201 is fed back with entry matching success, and at this time the entry details corresponding to the entry fund are associated with the order. Otherwise, the entry callback processing flow 201 is fed back with entry matching failure.

[0099] Similarly, the public payment core needs to determine the state of the public order payment, that is, the public payment object can transfer for the submitted public order. In the fund matching service, it is mainly matched whether the transfer note corresponding to the entry fund and the order number of the public order are consistent. If they are consistent, the entry callback processing flow 201 is fed back with entry matching success, and at this time the entry details corresponding to the entry fund are associated with the order. The payment core is driven by the entry callback processing flow 201 to compensate the order state, that is, the order state of the matched order is updated from the matching state to the matched state. Otherwise, the entry callback processing flow 201 is fed back with entry matching failure, and at this time the payment core is driven by the entry callback processing flow 201 to compensate the order state, that is, the order state of the order to be matched is maintained in the matching state.

[0100] and the private payment core is specifically used for identifying whether the payment account is the order account, that is, after the private order object submits the private order, the private order account corresponding to the private order is written into the account entry details, so as to complete the record of the order account corresponding to the private order, and then the private order object can transfer the submitted private order. In the fund matching service, mainly for the private payment core, whether the payment account corresponding to the matching account fund and the order payment account are consistent. If consistent, the account matching success is fed back to the account callback processing flow 201, and at this time, the account details corresponding to the account fund are associated with the order. Otherwise, the account matching failure is fed back to the account callback processing flow 201.

[0101] In the mis-transfer identification flow 203, it can also be judged whether the matching time of the account flow information corresponding to the account fund of the payment account exceeds the configured delay time to determine whether to perform the mis-transfer identification flow 203, for example, the regular payment account performs the mis-transfer identification flow 203 after 2 minutes of not completing the account matching processing flow 202, and the abnormal payment account performs the mis-transfer identification flow 203 after 24 hours of not completing the account matching processing flow 202. Based on this, the mis-transfer identification is performed for the order in the matching state. The private order in the private payment order table in the matching state, the public order in the public payment order table in the matching state, and the settlement core order in the settlement core order table in the matching state are matched through transaction elements, and the account flow information corresponding to the mis-transfer note in the account flow information is matched with the order number of the account flow information. The order state of the order that cannot be matched is maintained as the matching state, and the transfer operation of the account flow information that cannot be matched to the order is determined as the mis-transfer operation, and the account flow information that cannot be matched to the order is recorded in the mis-transfer details. And initiate the mis-transfer refund audit for the mis-transfer operation, if the mis-transfer refund audit has passed, drive the refund service to complete the original route refund of the account fund of the mis-transfer operation, that is, refund the account fund of the mis-transfer operation from the payment account to the payment account. Through Figure 2 The transfer identification method introduced in the embodiment is completed.

[0102] The specific implementation of the transfer identification method will be described below through the following embodiments: in one embodiment, as shown in Figure 3 A transfer identification method is provided, which is applied to Figure 1 The terminal 102 in the system shown in FIG. 1 is taken as an example for description, and it can be understood that the method can also be applied to the system including the terminal 102 and the payment server 104, and is realized through the interaction of the terminal 102 and the payment server 104. In the embodiment, the method includes the following steps:

[0103] Step 302: Submit the target order to the payment server using the object identifier.

[0104] The object identifier is used to uniquely identify the payment object submitting the target order. Therefore, the object identifier related to the first fund account is the object identifier of the payment object to which the first fund account belongs, and the terminal in this embodiment is specifically the terminal corresponding to the object identifier related to the first fund account. The aforementioned object identifier can be the login account identifier of the payment object in the interactive application, or the login account identifier of the payment object in the payment application, or other identifiers that uniquely identify the payment object, which is not limited here. For example, if the login account identifier of the payment object in the interactive application is "123456", and the payment account of the payment object is account C1, then the object identifier related to the first fund account is "123456". After the payment object to which the first fund account belongs submits a corresponding order for any product or service, the payment server can generate the order information corresponding to the order, and if the order has not completed the transfer identification, the order status corresponding to the order is a pending matching status. At this time, the order information includes, but is not limited to, the order time, order amount, order number, payment account of the payment object, and payment account of the receiving object.

[0105] Specifically, the terminal submits a target order to the payment server through the object identifier to complete the order placement operation of the payment object indicated by the object identifier. That is, the payment object selects the goods or services provided by the receiving object in the payment platform and submits the order. The payment platform receives the target order submitted by the receiving object's object identifier and generates the order information of the target order. At this time, the order information of the target order includes, but is not limited to, the order time, order amount, order number, the order account of the payment object (i.e., the first fund account), and the receiving account of the receiving object (i.e., the second fund account). The payment platform will also record the correspondence between the object identifier and the order information of the target order, and initialize the order status of the submitted target order to the pending matching status.

[0106] To facilitate understanding, the terminal submits the target order to the payment server via the object identifier, such as Figure 4 The diagram shown illustrates the order submission process. Figure 4 As shown in section (A), the payee selects product 402 on the payment platform, and the terminal displays... Figure 4The order interface for the commodity 402 shown in the middle (B) part, in which the order amount 404 of the commodity 402, the collection object 406 to which the commodity 402 belongs (i.e., the merchant to which the commodity belongs), and different payment method selection controls are displayed. After the payment object selects any payment method, the payment order is confirmed, at which time the terminal submits the order for the commodity 402 to the payment server through the object identifier of the payment object. At this time, the order information of the order for the commodity 402 includes the order amount 404 of the commodity 402, the collection object 406 to which the commodity 402 belongs, and the order time corresponding to the payment order confirmation operation of the payment object, as well as the order number generated for the order for the commodity 402 when the payment order confirmation operation is performed.

[0107] As can be known from the foregoing, because the payment object selects different payment methods, the payment platform calls different payment processes for different payment methods. If the payment object selects direct transfer payment, i.e., the payment object selects a payment fund account for performing a fund transfer-in operation from a plurality of payment fund accounts bound to the object identifier of the payment object, the payment fund account bound to the object identifier and used for performing the fund transfer-in operation is the first fund account, and the second fund account is the custodian fund account bound to the object identifier of the payment object and used for collection. Therefore, after the target order is submitted to the payment server through the object identifier, the terminal displays a collection information interface for the target order including the second fund account. The collection information interface also includes the collection object to which the second fund account belongs, the collection platform to which the second fund account belongs, the transfer amount, and the order number of the target order.

[0108] Step 304: Perform a transfer operation through the first fund account bound to the object identifier to the second fund account as the collection account of the target order. The transfer operation is a fund transfer-in operation performed by the first fund account to the second fund account.

[0109] The transfer operation is a fund transfer-in operation performed by the first fund account to the second fund account. Therefore, in this transfer operation, the first fund account is the payment account, and the object to which the first fund account belongs is the payment object. Similarly, the second fund account is the collection account, and the object to which the second fund account belongs is the collection object. As can be known from the foregoing embodiments, the custodian is a platform account specially used for storing the funds of the collection object. Therefore, the second fund account is specifically the custodian of the collection object. For ease of understanding, account C1 performs a fund transfer-in operation to account C2. Therefore, account C1 is the payment account (i.e., the first fund account) of the payment object, and account C2 is the collection account (i.e., the second fund account) of the collection object.

[0110] Specifically, the terminal executes a transfer operation from the first fund account bound to the object identifier to the second fund account, which serves as the receiving account for the target order. In other words, the payee uses any payment method to transfer funds from the first fund account to the second fund account, enabling the account management platform to detect the transfer from the first fund account to the second fund account. Since the payment method chosen by the payee varies, the payment process invoked by the payment platform differs for each method. In an optional embodiment, the transfer identification method further includes: displaying a receiving information interface for the target order, which includes the second fund account. The first fund account bound to the object identifier and the displayed second fund account are used to implement the fund transfer operation.

[0111] If the payee chooses direct bank transfer, meaning they select one of several payment accounts linked to their object identifier to execute the transfer, then the payment account linked to the object identifier and used for the transfer is the first payment account. The second payment account is the custodian account linked to the object identifier and used for receiving payments. Therefore, after submitting the target order to the payment server via the object identifier, the terminal displays a payment information interface for the target order, including the second payment account. This interface also includes the payee to which the second payment account belongs, the payment platform to which the second payment account belongs, the transfer amount, and the order number of the target order.

[0112] For ease of understanding, such as Figure 5 The image shown is a schematic diagram of the payment information interface. Figure 5 The interface displays the payment information of the second fund account 502, which also includes the payment recipient 504 to which the second fund account 502 belongs, the payment platform 506 to which the second fund account 502 belongs, the transfer amount 508 that was transferred to the second fund account 502, and the order 510 of the target order.

[0113] Since the transfer needs to be based on the payment information displayed on the payment information interface, the payee can directly trigger the transfer control in the payment information interface to directly fill in the payment information displayed on the payment information interface. This will be explained in detail below.

[0114] In one optional embodiment, the payment information interface also includes a transfer control, specifically as follows: Figure 6 The transfer control 602 is shown in the payment information interface.

[0115] Based on this, the transfer operation is performed from the first fund account bound by the object identifier to the second fund account as the target order payment account, including: in response to the trigger operation of the transfer control, displaying a transfer interface, and filling the first fund account bound by the object identifier, the displayed second fund account, and the order information of the target order into the transfer information input box in the transfer interface; in response to the trigger operation of confirming the transfer, triggering the fund transfer-in operation.

[0116] Specifically, on the basis that the terminal displays the transfer control in the payment information interface, the payer triggers the transfer control to make the terminal display the transfer interface for the target order in response to the trigger operation of the transfer control, at this time, the first fund account bound by the object identifier, the displayed second fund account, and the order information of the target order are filled into the transfer information input box in the transfer interface, and after the payer confirms that the information input is correct, the payer triggers the trigger operation of confirming the transfer to trigger the fund transfer-in operation. For ease of understanding, as Figure 7 shown, Figure 7 part (A) shows the trigger operation of the transfer control 702 in the payment information interface, and the terminal displays the transfer interface shown in part (B) in response to the trigger operation of the transfer control, at this time, the transfer interface is filled with the first fund account 704 bound by the object identifier, and the payment information shown in part (A) is filled into the transfer information input box in the transfer interface. Figure 7 Figure 7 After the payer confirms that the information input is correct, the payer triggers the trigger operation of confirming the transfer to trigger the fund transfer-in operation.

[0117] Secondly, if the payer selects to jump to the transfer payment, that is, the payment platform needs to provide the terminal with a fund transfer method through the payment application, so that the payer goes to the payment application to perform the fund transfer-in operation from the first fund account to the second fund account, in this case, the payment platform feeds back the order information of the target order to the terminal, so that the terminal displays the payment information interface of the target order through the payment account (that is, the second fund account) of the payment object carried in the order information. The payment information interface is similar to that shown in Figure 7 , which will not be described here.

[0118] However, considering that the transfer needs to be based on the payment information displayed in the payment information interface, and the payer needs to perform the transfer in the payment application, in order to ensure the accuracy of the payment information, the payment information interface can also include an information copying control, so that the trigger operation of the copying control can copy the payment information, which will be described in detail as follows:

[0119] In an optional embodiment, the payment information interface further includes an information copying control, which is specifically as Figure 8 ​The information copy control 802 in the illustrated collection information interface.

[0120] Based on this, the transfer identification method further includes: in response to the triggering operation on the information copy control, copying the displayed second fund account and the order information of the target order, and the copied second fund account and the order information of the target order are used to implement the fund transfer-in operation.

[0121] Specifically, on the basis that the information copy control is included in the collection information interface displayed by the terminal, the payee triggers the information copy control to make the terminal copy the displayed second fund account and the order information of the target order in response to the triggering operation on the information copy control, and the payee fills in the corresponding payment information through the copied second fund account and the order information of the target order in the payment application, so as to implement the fund transfer-in operation from the first fund account to the second fund account. For ease of understanding, as shown in Figure 9 As shown, the payee triggers the information copy control 902 in the collection information interface in turn, and the terminal copies the second fund account and the order information of the target order in response to the triggering operation on the information copy control to implement the fund transfer-in operation.

[0122] It can be understood that since the information copy control is also included in the collection information interface, the payee triggers the jump payment, and at this time, a prompt interface for notifying the jump payment can also be displayed in the collection information interface to prompt the fund transfer-in operation through the information copy to the payment application. For ease of understanding, as shown in Figure 10 The prompt interface for notifying the jump payment displayed in the collection information interface.

[0123] On the basis that the information copy control is also included in the collection information interface, since the fund transfer-in operation to the second fund account is not performed in the transfer interface provided by the payment platform, the payee can query actively to make the payment platform request the account custodian platform to which the second fund account belongs to query whether the transfer operation from the first fund account to the second fund account is detected, so as to obtain the transfer state of the target order, which will be described in detail below:

[0124] In an optional embodiment, the collection information interface also includes a transfer state query control, as shown in Figure 11 The transfer state query control 1102 in the collection information interface.

[0125] Based on this, the transfer identification method further includes: in response to the triggering operation on the transfer state query control, displaying the transfer state of the target order.

[0126] Specifically, on the basis of including the transfer status query control in the payment information interface displayed by the terminal, if the terminal has copied the displayed second fund account number and the order information of the target order in response to the triggering operation of the information copying control, the payment object queries the transfer status of the target order, that is, the payment object triggers the transfer status query control, so that the terminal displays the transfer status of the target order in response to the triggering operation of the transfer status query control. The transfer status of the target order can be a to-be-matched state, a matched state, or a matching failure state. The to-be-matched state is used to describe that the target order has not been matched with the entry flow information or there is no matching entry flow information within a preset time interval after the target order is submitted. The matched state is used to describe that the target order has completed information matching with the entry flow information within a preset time interval after the target order is submitted. The matching failure state is used to describe that there is no matching entry flow information even at the end time of the preset time interval after the target order is submitted. The foregoing preset time interval can be 24 hours (i.e., one day) or 36 hours or other time intervals that need to be flexibly set based on actual transfer identification scene requirements.

[0127] and the display of the transfer status of the target order can be only the transfer status in which the target order is located, or the transfer status flow that the target order needs to go through. For ease of understanding, as shown in Figure 12 the transfer status of the target order, Figure 12 (A) of FIG. 8 shows that the target order is currently in the to-be-matched state, and Figure 12 (B) of FIG. 8 shows that the target order has been updated from the to-be-matched state to the matched state.

[0128] In step 306, in the case where there is an order matched with the entry flow information of the second fund account number in the to-be-matched order related to the object identifier of the first fund account number, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify that the related order has been normally transferred.

[0129] The entry flow information is information generated by the account custodian platform when detecting the transfer operation from the first fund account to the second fund account, and the entry flow information is used to describe the information corresponding to a transfer operation. That is, after the fund transfer operation is performed by the first fund account to the second fund account, the account custodian platform can receive the entry fund transferred by the first fund account to the second fund account, at this time, the entry flow information of the second fund account is generated for the transfer operation, and the entry flow information includes but is not limited to transfer time, transfer time, transfer amount, payment account and collection account. For example, account C1 performs fund transfer operation D1 to account C2, at this time, the account custodian platform detects fund transfer operation D1 and can generate entry flow information E1 of account C2. If account C1 also performs fund transfer operation D2 to account C3, at this time, the account custodian platform detects fund transfer operation D2 and can generate entry flow information E2 of account C3.

[0130] Specifically, after the payer performs the fund transfer operation through the first fund account to the second fund account by any payment method, the account custodian platform to which the second fund account belongs can detect the fund transfer operation, generate the entry flow information of the second fund account based on the fund transfer operation, and then send the generated entry flow information of the second fund account to the payment platform, so that the payment platform receives the entry flow information of the second fund account. Based on this, since the entry flow information includes but is not limited to order time, order amount, order number, payment account of the payer, and collection account of the payee, the payment platform extracts the payment account (i.e. the first fund account) of the payer from the entry flow information of the second fund account, then queries the object identifier related to the first fund account, and the object identifier submits the order in the matching state, and matches the order information of the matching order with the entry flow information of the second fund account to obtain the corresponding matching result.

[0131] Based on this, in the case that there is an order in the matching order that matches the entry flow information of the second fund account, at this time, it means that the first fund account has submitted an order for the goods or services provided by the payee to which the second fund account belongs, that is, there is an order related to the first fund account at this time, and the payment server marks the transfer operation as a normal transfer operation, and sends a transfer notification to the terminal to notify that the related order has been normally transferred, so that the terminal displays the transfer notification of the transfer operation, at this time, the transfer notification is used to notify that the related order has been normally transferred.

[0132] Step 308, in the case that there is no order matching the deposit flow information of the second fund account in the to-be-matched order of the object identifier bound to the first fund account, a transfer notification about the transfer operation is displayed, the transfer operation is marked as a mis-transfer operation, and the transfer notification is used to inform that the transfer operation is a mis-transfer operation.

[0133] Conversely, in the case that there is no order matching the deposit flow information of the second fund account in the to-be-matched order of the object identifier bound to the first fund account, in a possible mis-transfer operation, the object identifier of the payee object to which the first fund account belongs does not submit an order, that is, the object identifier of the payee object to which the first fund account belongs does not place an order for the goods or services provided by the account receiving object to which the second fund account belongs, and at this time, there is certainly no order matching the deposit flow information. Another possible mis-transfer operation is that after the object identifier of the payee object to which the first fund account belongs submits an order, in the process of the fund transfer operation performed by the first fund account to the second fund account, there is a mis-operation such as a transfer amount error, a selection of a wrong account receiving object, or a filling of a wrong transfer note, which causes the order information of the to-be-matched order of the object identifier to be unable to match the deposit flow information of the second fund account, and at this time, there is also no order matching the deposit flow information. Therefore, at this time, the payment server marks the transfer operation as a mis-transfer operation, and since in the case of a mis-transfer operation, there is not necessarily a related order, at this time, the transfer notification sent is for the transfer operation marked as a mis-transfer operation, that is, the payment server sends a transfer notification to the terminal for informing that the transfer operation is a mis-transfer operation, so that the terminal displays the transfer notification about the transfer operation, and at this time, the transfer notification is used to inform that the transfer operation is a mis-transfer operation.

[0134] To facilitate understanding of the transfer notification introduced in the foregoing embodiments, a display interface diagram of the transfer notification is shown in FIG. 6. Figure 13 As shown in FIG. 6, Figure 13 part (A) shows a transfer notification for informing that the transfer operation is a mis-transfer operation, and Figure 13 part (B) shows a transfer notification for informing that the related order has been normally transferred.

[0135] As can be known from the foregoing introduction, in the case of a mis-transfer operation, it is explained that the first fund account incorrectly performs the fund transfer operation to the second fund account, and at this time, the deposited fund in the mis-transfer operation needs to be refunded, which is described in detail as follows:

[0136] In an optional embodiment, the transfer identification method further includes: displaying a fund refund notification, the fund refund notification is displayed after the fund refund operation of the first fund account is successfully performed in the case of a mis-transfer operation.

[0137] Specifically, in order to ensure the safety of the incoming funds of the payment object in the case of a mis-transfer operation, the payment server sends a fund return request to the account custodian platform to which the second fund account belongs regarding the incoming flow information, so that the account custodian platform to which the second fund account belongs returns the received incoming funds from the second fund account to the first fund account in response to the aforementioned fund return request. If the account custodian platform determines that the fund return from the second fund account to the first fund account is completed, it generates the return flow information corresponding to the incoming flow information and sends it to the payment server, so that the payment server determines that the fund return operation to the first fund account has been successfully performed, and the terminal corresponding to the object identifier bound to the first fund account sends a fund return notification, so that the terminal displays the fund return notification. For ease of understanding, as Figure 14 shown, the interface schematic diagram for displaying the fund return notification.

[0138] It can be understood that the foregoing examples are used to understand the present scheme and should not be understood as specific limitations of the present scheme.

[0139] In the above-mentioned transfer identification method, the fund transfer-in operation performed by the first fund account to the second fund account identifies whether there is an order matching the incoming flow information of the second fund account in the order to be matched related to the object identifier of the first fund account. By matching the order information of the order to be matched with the incoming flow information, the incoming flow information corresponding to each incoming fund received by the second fund account can be forcibly matched to clearly distinguish the nature of each incoming fund. Only the incoming fund corresponding to the incoming flow information that is successfully associated and matched to the order can be considered as the normal fund transfer-in of the second fund account. The incoming fund that is not successfully associated is quickly identified as the mis-payment fund of the second fund account. At the same time, it is distinguished whether the transfer operation is a normal transfer operation or a mis-transfer operation, so that the transfer notification about the transfer operation is displayed on the terminal to notify the transfer object whether the fund transfer-in operation is abnormal. On the basis of ensuring normal transfer payment for the order, the situation that the normal transfer fund is mistakenly returned is avoided. The mis-transfer operation can also be more accurately identified to notify the transfer object, thereby improving the efficiency and accuracy of transfer identification.

[0140] The above describes how the terminal performs the order and displays the transfer-related notification of the transfer identification method. The specific identification operation of identifying whether there is an order matching the incoming flow information of the second fund account in the order to be matched related to the object identifier of the first fund account is performed on the server. The following embodiments are used for illustration: in one embodiment, as Figure 15 shown, a transfer identification method is provided. The method is applied to Figure 1The method is described by taking the payment server 104 as an example. It can be understood that the method can also be applied to the system comprising the terminal 102 and the payment server 104 and is realized through the interaction of the terminal 102 and the payment server 104. In the embodiment, the method comprises the following steps:

[0141] In step 1502, the account storage platform is queried for the account entry flow information of the second fund account. The account entry flow information is generated and sent by the account storage platform when detecting the transfer operation from the first fund account to the second fund account.

[0142] The account entry flow information is generated and sent by the account storage platform when detecting the transfer operation from the first fund account to the second fund account. Specifically, the account entry flow information is generated by the account storage platform when receiving the account entry fund from the first fund account to the second fund account. The generated account entry flow information includes but is not limited to the transfer time, the transfer time, the transfer amount, the payment account and the collection account, etc. The payment account is specifically the first fund account, and the collection account is specifically the second fund account. Since the storage account refers to a platform account specially used for storing the fund of the collection object, and the account storage platform is a platform for storing the storage account, the account storage platform can detect the transfer operation performed on any collection fund account of the collection object.

[0143] Specifically, as known from the foregoing, after the payment object performs the fund transfer operation from the first fund account to the second fund account through any payment method, the account storage platform can detect the transfer operation from the first fund account to the second fund account and determine that the second fund account receives the account entry fund, so as to generate the account entry flow information of the second fund account for the transfer operation, and then the account storage platform sends the generated account entry flow information of the second fund account to the payment platform, so that the payment platform receives the account entry flow information of the second fund account. For example, the account C1 performs the fund transfer operation D1 to the account C2. At this time, the account storage platform can generate the account entry flow information E1 of the account C2 by detecting the fund transfer operation D1, and then the account storage platform can send the generated account entry flow information E1 of the account C2 to the payment server.

[0144] In step 1504, after the first fund account as the payment account is queried from the account entry flow information, the object identifier related to the first fund account is determined, and the account entry flow information is matched with the to-be-matched order of the object identifier.

[0145] Specifically, as known from the foregoing, the account entry flow information includes but is not limited to the transfer time, the transfer time, the transfer amount, the payment account number and the collection account number. Since the account entry flow information is generated when the account management platform detects the transfer operation from the first fund account to the second fund account, that is, the payment account number in the account entry flow information is the first fund account, and the collection account number in the account entry flow information is the second fund account. Based on this, the payment server queries the first fund account as the payment account number from the account entry flow information through the payment platform, and then determines the object identifier related to the first fund account, that is, determines the object identifier of the payment object to which the first fund account belongs. The foregoing object identifier can be the login account identifier of the payment object logged in the interactive application, or the login account identifier of the payment object logged in the payment application, or other identifier of the payment object, which is not limited here. The first fund account is specifically the payment platform account of the payment object. The payment platform of the payment object can be the interactive application, and the payment platform of the payment object can also be the bank platform, which is not specifically limited here.

[0146] Further, for the object identifier related to the first fund account, the object identifier is obtained. The order to be matched is an order submitted by the object identifier and in a to-be-matched state. For example, the order H1 submitted by the object identifier G1 of the payment object F1 is in a to-be-matched state, the order H2 submitted by the object identifier G1 of the payment object F1 is in a to-be-matched state, and the order H3 submitted by the object identifier G1 of the payment object F1 is in a matched state. At this time, the to-be-matched order of the object identifier G1 specifically includes the order H1 submitted by the object identifier G1 and the order H2 submitted by the object identifier G1.

[0147] It can be understood that in actual application, there can be no to-be-matched order of the object identifier related to the first fund account, that is, there is no order submitted by the object identifier and in a to-be-matched state. At this time, the object identifier can not have submitted an order, or the order submitted by the object identifier is not in a to-be-matched state. At this time, the step of matching the account entry flow information with the to-be-matched order of the object identifier cannot be performed, and then the technical step of marking the transfer operation detected by the account management platform as a false transfer operation in step 1508, and sending a transfer notification to the terminal corresponding to the object identifier, so that the terminal corresponding to the object identifier determines that the transfer operation is a false transfer operation through the transfer notification.

[0148] Since the premise of the order to be matched is that the object identifier related to the first fund account submits the order, the following will introduce in detail the way of obtaining the order to be matched of the object identifier; in an optional embodiment, the transfer identification method further comprises: receiving the order submitted through the object identifier; recording the object identifier and the order; wherein, the order state of the submitted order is initialized as a to-be-matched state, and after the order information of the order matches any incoming account serial information, the order state of the order is updated as a matched state.

[0149] Specifically, the object identifier of the payment object corresponds to the terminal of the object identifier, which submits the order to the payment server through the object identifier, so that the payment server receives the order submitted through the object identifier, and then the payment server records the object identifier and the order, that is, determines the correspondence between the object identifier and the order submitted by the object identifier. For example, the terminal submits order H1 to the payment server through object identifier G1, at this time the payment server receives order H1 submitted through object identifier G1, and can record object identifier G1 and order H1. Or, the terminal also submits order H2 to the payment server through object identifier G1, at this time the payment server receives order H2 submitted through object identifier G1, and can also record object identifier G1 and order H2. That is, object identifier G1 corresponds to order H1 and order H2 at this time. And the terminal also submits order H3 to the payment server through object identifier G1, at this time the payment server receives order H3 submitted through object identifier G1, and can also record object identifier G1 and order H3, that is, object identifier G1 corresponds to order H1, order H2 and order H3 at this time.

[0150] Further, the payment server will also initialize the order state of the order submitted by the object identifier as a to-be-matched state, and the order state of the order will not be in the to-be-matched state for a long time. In the case that the order information of the order can match any incoming account serial information, the payment server will update the order state of the order as a matched state. And in the case that the end time of the preset time interval is reached and there is no incoming account serial information matched with the order, the order state of the order will be updated as a matching failure state, which will not be matched with the incoming account serial information again. Further introduce with the above example, the payment server receives order H1 submitted through object identifier G1, and initializes the order state of order H1 as a to-be-matched state, and the payment server receives order H2 submitted through object identifier G1, and initializes the order state of order H2 as a to-be-matched state. Similarly, the payment server receives order H3 submitted through object identifier G1, and initializes the order state of order H3 as a to-be-matched state.

[0151] Based on this, in the case that the order to be matched of the object identifier can be acquired, the account entry flow information is matched with the order to be matched of the object identifier, and specifically, the key elements in the account entry flow information are matched with the key elements in the order to be matched of the object identifier. As known from the foregoing description, the key elements refer to the information in the order information and the account entry flow information used for matching in the process of transfer identification, and the key elements in the order information include but are not limited to the order time, the order amount, the order number, the order account and the receiving account, and the key elements in the account entry flow information include but are not limited to the transfer time, the transfer time, the transfer amount, the payment account and the receiving account. The manner of matching the key elements in the account entry flow information with the key elements in the order to be matched of the object identifier will be described in detail as follows:

[0152] In one specific embodiment, matching the account entry flow information with the order to be matched of the object identifier includes: querying the order of the object identifier in the matching state, extracting the order information of the order in the matching state, and the order information at least includes the order amount and the order number; matching the transfer amount in the account entry flow information with the order amount, or matching the transfer note in the account entry flow information with the order number.

[0153] Specifically, as known from the foregoing embodiment, if the object identifier does not have the order in the matching state, the transfer operation detected by the account management platform is directly marked as a mis-transfer operation, and a transfer notification is sent to the terminal corresponding to the object identifier, so that the terminal corresponding to the object identifier determines that the transfer operation is a mis-transfer operation through the transfer notification. For example, if the order H1 submitted by the object identifier G1 related to the first fund account is in the matched state, the order H2 submitted by the object identifier G1 is in the matching failure state, and the order H3 submitted by the object identifier G1 is in the matched state, it is determined that the account entry flow information cannot be matched with the order to be matched of the object identifier G1 related to the first fund account.

[0154] On the contrary, if the order submitted by the object identifier has the order in the matching state, the order information of the order in the matching state is extracted. For example, if the order H1 submitted by the object identifier G1 related to the first fund account is in the matching state, the order H2 submitted by the object identifier G1 is in the matching state, and the order H3 submitted by the object identifier G1 is in the matched state, the order information of the order H1 in the matching state and the order information of the order H2 in the matching state are extracted.

[0155] Based on this, through the foregoing introduction, it can be known that the key elements in the order information at least include the order amount and the order number, and the key elements in the account entry flow information at least include the transfer amount and the transfer note. Then, the order amount in the order information and the transfer amount in the account entry flow information can be matched respectively, and the order number in the order information and the transfer note in the account entry flow information can be matched.

[0156] It is considered that in actual application, the time interval of the corresponding transfer operation of the submitted order will not be too long. For example, the time for the payment object to perform the transfer operation after placing an order is usually short without problems. Therefore, the time interval between the time when the object identifier submits the order and the time when the first fund account performs the transfer operation needs to be considered to ensure the reliability of the transfer identification. This will be described in detail as follows: in one specific embodiment, querying the order of the object identifier in the to-be-matched state includes: obtaining the transfer time of the transfer operation from the account entry flow information; traversing the order of the object identifier in the to-be-matched state; and screening the order whose time interval between the order placement time and the transfer time is less than a set threshold value from the traversed order, and the order information of the screened order is used to match the account entry flow information.

[0157] The set threshold value is the maximum time interval between the order placement time and the transfer time, and the set threshold value can be 24 hours, 12 hours, 6 hours, and other time intervals flexibly determined based on actual transfer identification scenarios. Specifically, through the foregoing introduction, it can be known that the key elements in the account entry flow information can also include the transfer time of the transfer operation. Therefore, the payment server obtains the transfer time of the transfer operation from the account entry flow information. Based on this, the key elements in the order information can also include the order placement time. The payment server traverses the order of the object identifier in the to-be-matched state, and extracts the order placement time in the order information of each order in the to-be-matched state from the traversed order of the object identifier in the to-be-matched state. The time interval between the order placement time of each order in the to-be-matched state and the transfer time of the transfer operation is compared, and the order whose time interval between the order placement time and the transfer time of the transfer operation is less than the set threshold value is screened, and the order information of the order is used to match the account entry flow information.

[0158] For example, there are an order H1 in a to-be-matched state and an order H2 in a to-be-matched state, and a threshold value is set to 12 hours. If a time interval between the order placement time T11 of the order H1 and the transfer time T1 of the transfer operation is 2 hours, and a time interval between the order placement time T12 of the order H2 and the transfer time T1 of the transfer operation is 18 hours, it can be determined that the time interval between the order placement time T11 of the order H1 and the transfer time T1 of the transfer operation is less than the set threshold value, and the time interval between the order placement time T12 of the order H2 and the transfer time T1 of the transfer operation is greater than the set threshold value. The order information of the order H1 is used to match the account entry flow information.

[0159] In step 1506, in a case where there is a target order matched with the account entry flow information in the to-be-matched order, the transfer operation is marked as a normal transfer operation, and a transfer notification is sent to the terminal corresponding to the object identifier. The transfer notification is used to notify that the related order has been normally transferred.

[0160] Specifically, in a case where there is a target order matched with the account entry flow information in the to-be-matched order, the payment server marks the transfer operation as a normal transfer operation, and sends a transfer notification to the terminal corresponding to the object identifier, so that the terminal corresponding to the object identifier displays the transfer notification, and the payor is notified through the transfer notification that the related order has been normally transferred. The terminal corresponding to the object identifier displays the transfer notification in a manner similar to the foregoing embodiments, which will not be described here again.

[0161] As can be known from the foregoing introduction, the matching process can be: matching the transfer amount in the account entry flow information with the order amount, or matching the transfer note in the account entry flow information with the order number. When determining whether there is an order matched with the account entry flow information, it is specifically necessary to determine whether the transfer amount matches the order amount, and whether the transfer note matches the order number. This will be described in detail below. In one specific embodiment, the transfer identification method further includes: in a case where the transfer amount in the account entry flow information is consistent with the order amount of the target order, marking the transfer operation as a normal transfer operation, and updating the order state of the target order to a matched state; or in a case where the order number of the target order is included in the transfer note in the account entry flow information, marking the transfer operation as a normal transfer operation, and updating the order state of the target order to a matched state.

[0162] Specifically, the payment server matches the transfer amount in the entry flow information with the order amounts of multiple orders in the matching state, determines the order whose order amount is consistent with the transfer amount as the target order, marks the transfer operation as a normal transfer operation, and updates the order state of the target order to the matched state. For example, if the order information of order H1 is used to match the entry flow information as an example, and the order amount I1 in the order information of order H1 is consistent with the transfer amount J1 in the entry flow information, the transfer operation is marked as a normal transfer operation, and at this time order H1 is the target order, so the order state of order H1 is updated from the matching state to the matched state, and at this time the payment matching of order H1 is completed. It can be understood that if there are multiple orders in the matching state whose order amounts are consistent with the transfer amount, the order with the earliest order time is determined as the target order.

[0163] To facilitate understanding, the scenario of the payment object Q1 placing an order in the shopping process is taken as an example. The payment object Q1 places an order for a target commodity on a shopping platform, and the payment platform generates an order H1 through the order placing operation of the payment object Q1, and the order amount of order H1 is 100 yuan, and the object identifier U1 of the payment object Q1. At this time, the payment platform will also initialize the order state of order H1 to the matching state. If the payment object Q1 selects to jump to the transfer mode for payment, the terminal will display the order H1 collection information interface to the payment object Q1 through the terminal through the mode introduced in the foregoing embodiments to display the collection account P1. The payment object Q1 transfers 100 yuan to the collection account P1 through the payment application, and the account custodian platform of the collection account P1 can detect the transfer operation of the payment object Q1 to the collection account P1, generate entry flow information L1 about the collection account P1, and the entry flow information L1 includes the transfer amount of 100 yuan, the collection account P1, the payment information of the payment object Q1 (for example, the payment account of the payment object Q1), and the collection time. The account custodian platform sends the entry flow information L1 of the collection account P1 to the payment platform.

[0164] The payment platform determines the object identifier U1 of the payee Q1 based on the payee information of the payee Q1 and the collection time in the collection flow information L1 of the collection account P1, and then selects an order in the to-be-matched state from the order submitted by the object identifier U1, and an order in the to-be-matched state with a time interval between the collection time in the collection flow information L1 and the collection time less than a set threshold. If the order H1 is obtained at this time, since the order amount of the order H1 is "100 yuan" and the transfer amount of the collection flow information L1 is "100 yuan", the payment platform associates the order H1 with the collection flow information L1, marks the collection fund corresponding to the collection flow information L1 as the recognized collection fund, marks the transfer operation corresponding to the collection flow information L1 as the normal transfer operation, and updates the order state of the order H1 from the to-be-matched state to the matched state.

[0165] Secondly, when the payment server matches the transfer note in the collection flow information with the order number of the target order, it is specifically determined whether the transfer note includes the order number of the target order at this time. In the case where the transfer note includes the order number of the target order, the transfer operation is marked as a normal transfer operation, and the order state of the target order is updated to a matched state. For example, if the order information of the order H1 is used to match the collection flow information as an example, and the order number in the order information of the order H1 is "WQ12356567921", and the transfer note in the collection flow information is "order number: WQ12356567921", it can be determined that the transfer note includes the order number of the target order, the transfer operation is marked as a normal transfer operation, and the order state of the order H1 is updated from the to-be-matched state to the matched state. At this time, the payment matching of the order H1 is completed.

[0166] Step 1508, in the case where there is no target order matched with the collection flow information in the to-be-matched order, the transfer operation is marked as a mis-transfer operation, and a transfer notification is sent to the terminal corresponding to the object identifier. The transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0167] Specifically, in the case that there is no order in the to-be-matched orders that matches the account flow information, the payment server marks the transfer operation as a mis-transfer operation, and sends a transfer notification to the terminal corresponding to the object identifier, so that the terminal corresponding to the object identifier displays the transfer notification, and the payor is notified through the transfer notification that the transfer operation is a mis-transfer operation. As mentioned above, in the case that the order submitted by the object identifier and in the to-be-matched state cannot be queried, the step of matching the account flow information with the to-be-matched order of the object identifier cannot be performed at this time. At this time, the payment server marks the transfer operation as a mis-transfer operation, and sends a transfer notification to the terminal corresponding to the object identifier, so that the terminal corresponding to the object identifier displays the transfer notification, and the payor is notified through the transfer notification that the transfer operation is a mis-transfer operation. The terminal corresponding to the object identifier displays the transfer notification in a manner similar to the foregoing embodiments, which will not be described here.

[0168] As mentioned above, the matching process can be: matching the transfer amount in the account flow information with the order amount, or matching the transfer note in the account flow information with the order number. When determining whether there is an order that matches the account flow information, it is necessary to determine whether the transfer amount matches the order amount and whether the transfer note matches the order number. In the following, the details are described again: in the case that there is no target order in the to-be-matched orders that matches the account flow information, marking the transfer operation as a mis-transfer operation includes: in the case that the transfer amount in the account flow information does not match the order amount of each order in the to-be-matched state, marking the transfer operation as a mis-transfer operation; or in the case that the transfer note in the account flow information does not include any order number in the to-be-matched state, marking the transfer operation as a mis-transfer operation.

[0169] Specifically, when the payment server matches the transfer amount in the account flow information with the order amount of the order in the to-be-matched state, the order amount of each order in the to-be-matched state does not match the transfer amount, and the transfer operation is marked as a mis-transfer operation. For example, if the order information of order H1 is used to match the account flow information as an example, and the order amount I1 in the order information of order H1 does not match the transfer amount J1 in the account flow information, the transfer operation is marked as a mis-transfer operation.

[0170] For ease of understanding, the scenario of the payment object Q1 placing an order in the shopping procedure is exemplified. When the payment object Q1 does not submit an order or the order is submitted but the transfer amount is incorrect due to misoperation or the like, the payment object Q1 transfers 50 yuan to the payment account P1 through the payment application. The account custodian platform of the payment account P1 can detect the transfer operation of the payment object Q1 to the payment account P1, generate the entry flow information L2 about the payment account P1, and the entry flow information L2 includes the transfer amount of 50 yuan, the payment information of the payment object Q1, and the payment time. The account custodian platform sends the entry flow information L2 of the payment account P1 to the payment platform.

[0171] The payment platform determines the object identifier U1 of the payment object Q1 based on the payment information of the payment object Q1 in the entry flow information L2 of the payment account P1 based on the payment time in the entry flow information L2, and then selects the order in the matching state from the order submitted by the object identifier U1. If the order in the matching state of the object identifier U1 cannot be queried within a preset time interval, that is, the order associated with the entry flow information L2 cannot be queried, the entry fund corresponding to the entry flow information L2 is still in the state of the to-be-recognized fund, and the transfer operation corresponding to the entry flow information L2 is marked as a mistransfer operation.

[0172] Alternatively, if the order H1 is queried, since the order amount of the order H1 is “100 yuan” and the transfer amount of the entry flow information L2 is “50 yuan”, the order H1 and the entry flow information L2 cannot be associated, the entry fund corresponding to the entry flow information L2 is still in the state of the to-be-recognized fund, the transfer operation corresponding to the entry flow information L2 is marked as a mistransfer operation, and the order H1 is maintained in the matching state.

[0173] Secondly, when the payment server matches the transfer note in the entry flow information with the order number of the order in the matching state, it is specifically judged whether the transfer note includes any order number of the order in the matching state. In the case that the transfer note does not include any order number of the order in the matching state, the transfer operation is marked as a mistransfer operation. For example, if the order information of the order H1 is used to match the entry flow information as an example, and the order number in the order information of the order H1 is “WQ12356567921”, and the transfer note in the entry flow information is “order number: WQ123456789”, it can be determined that the transfer note does not include the order number of the target order, and therefore the transfer operation is marked as a mistransfer operation.

[0174] and in actual application, whether to meet the order amount and the transfer amount, and whether the transfer note includes the order number at least one or all, needs to be determined by the demand of the transfer identification scene. For example, in the case of the first fund account is the first time to transfer to the second fund account, it needs to meet the demand of the order amount and the transfer amount consistent, and the transfer note includes the order number. Then in the case of the first fund account is not the first time to transfer to the second fund account, if the transfer note does not include the order number, but the order amount and the transfer amount are consistent, it can also be determined that the transfer operation is a normal transfer operation, or it can be combined with other key elements for judgment, which is not limited here.

[0175] In an optional embodiment, the transfer identification method further comprises: in the case of the transfer operation being marked as a mis-transfer operation, sending a fund return request about the entry flow information to the account custody platform, for requesting to return the fund from the second fund account to the first fund account; after receiving the return flow information sent by the account custody platform, sending the fund has been returned notification to the terminal corresponding to the object identifier.

[0176] Specifically, in the case of the transfer operation being a mis-transfer operation, in order to ensure the safety of the entry fund of the payee, the payment server sends a fund return request about the entry flow information to the account custody platform to which the second fund account belongs, so that the account custody platform to which the second fund account belongs returns the received entry fund from the second fund account to the first fund account in response to the fund return request. If the account custody platform determines that the fund return from the second fund account to the first fund account is completed, it generates the return flow information corresponding to the entry flow information, and sends the return flow information to the payment server, so that the payment server determines that the fund return operation to the first fund account has been successfully executed, and the terminal corresponding to the object identifier bound by the first fund account sends the fund has been returned notification, so that the terminal displays the fund has been returned notification. The terminal displays the fund has been returned notification as in the foregoing embodiment, which will not be repeated here.

[0177] In order to facilitate the understanding of the mis-transfer operation, the normal transfer operation and the association marking method with the order, such as Figure 16The order and the account entry log information order diagram shown, there are order 1601, order 1602, order 1603 and order 1604, and there are account entry log information 1605, account entry log information 1606, account entry log information 1607 and account entry log information 1608, because the order information of order 1601 matches the account entry log information 1605 successfully, therefore, order 1601 is associated with the account entry log information 1605, order 1601 is in the matched state, and the transfer operation corresponding to the account entry log information 1605 is marked as a normal transfer operation. Similarly, the order information of order 1602 matches the account entry log information 1606 successfully, therefore, order 1602 is associated with the account entry log information 1606, order 1602 is in the matched state, and the transfer operation corresponding to the account entry log information 1606 is marked as a normal transfer operation. And, the order information of order 1604 matches the account entry log information 1608 successfully, therefore, order 1604 is associated with the account entry log information 1608, order 1604 is in the matched state, and the transfer operation corresponding to the account entry log information 1608 is marked as a normal transfer operation.

[0178] While order 1603 does not have matching account entry log information within the preset time interval, therefore, order 1603 is in the matching failure state, that is, the subsequent new account entry log information will not be matched with order 1603 in the matching failure state. And the account entry log information 1607 also does not query the matching order, therefore the transfer operation corresponding to the account entry log information 1607 is marked as a mis-transfer operation, and through the fund return request about the account entry log information 1607, the account entry fund received by the account entry account is returned to the payment account.

[0179] It can be understood that the foregoing examples are used to understand the present scheme, and should not be understood as a specific limitation of the present scheme.

[0180] In the above transfer identification method, the account storage platform is used to obtain the account entry flow information about the second fund account, the account entry flow information is generated and sent by the account storage platform when detecting the transfer operation from the first fund account to the second fund account, then after the first fund account as the payment account is queried from the account entry flow information, the object identifier related to the first fund account is determined, the account entry flow information is matched with the to-be-matched order of the object identifier, so that the transfer operation is forcedly matched with the generated account entry flow information, and only when the target order matched with the account entry flow information is successfully identified, the account entry fund is regarded as the normal fund transfer into the second fund account, and the account entry flow information without successfully matched target order is quickly identified as the mis-typed fund of the second fund account, and the transfer operation from the first fund account to the second fund account is distinguished as a normal transfer operation or a mis-transfer operation, the transfer notification is sent to the terminal corresponding to the object identifier, and the transfer object indicated by the object identifier is notified whether the fund transfer operation is abnormal through the transfer notification, without manual access to the matching process, so as to improve the efficiency and accuracy of the transfer identification.

[0181] Based on the detailed introduction of the foregoing embodiments, the complete process of the transfer identification method in the embodiments of the present application will be introduced as follows. In one embodiment, as shown in Figure 17 , a transfer identification method is provided. The method is applied to a system including a terminal 102 and a payment server 104, and is realized through the interaction of the terminal 102 and the payment server 104. Figure 1 In the embodiment, the method includes the following steps:

[0182] Step 1701, the terminal 102 submits an order to the payment server 104 through an object identifier.

[0183] Specifically, the terminal submits an order to the payment server through an object identifier to complete the order placing operation of the payment object indicated by the object identifier, that is, the payment object selects the goods or services provided by the payee object in the payment platform and submits the order for placing.

[0184] Step 1702, the payment server 104 receives the order submitted through the object identifier; records the object identifier and the order.

[0185] Specifically, the payment server receives the order submitted through the object identifier, and creates a correspondence between the object identifier and the order submitted by the object identifier. The payment server also initializes the order state of the order submitted by the object identifier as a to-be-matched state. The order state of the order will not be in the to-be-matched state for a long time. When the order information of the order can be matched with any incoming flow information, the payment server will update the order state of the order to a matched state. When the end time of the preset time interval is reached and there is no incoming flow information matched with the order, the order state of the order will be updated to a matching failure state. The matching failure state will no longer be matched with the incoming flow information.

[0186] Step 1703, the terminal 102 displays the order collection information interface; in response to the triggering operation of the transfer control in the collection information interface, a transfer interface is displayed, and the first fund account bound to the object identifier, the displayed second fund account and the order information of the order are filled into the transfer information input box in the transfer interface; in response to the triggering operation of confirming the transfer, a fund transfer-in operation is triggered.

[0187] Specifically, the payer selects a payment fund account for performing the fund transfer-in operation from a plurality of payment fund accounts bound to the object identifier of the payer, and the payment fund account bound to the object identifier and used for performing the fund transfer-in operation is the first fund account, and the second fund account is the custodian fund account bound to the object identifier of the payer and used for collection. Therefore, after submitting the order to the payment server through the object identifier, the terminal displays the collection information interface for the order including the second fund account. The collection information interface also includes the collection object to which the second fund account belongs, the collection platform to which the second fund account belongs, the transfer amount and the order number of the order.

[0188] Based on this, the terminal displays the collection information interface including the transfer control. The payer performs the triggering operation on the transfer control, so that the terminal displays the transfer interface for the order in response to the triggering operation of the transfer control. At this time, the first fund account bound to the object identifier, the displayed second fund account and the order information of the order are filled into the transfer information input box in the transfer interface. After the payer confirms that the information input is correct, the payer performs the triggering operation of confirming the transfer to trigger the fund transfer-in operation.

[0189] Step 1704, the payment server 104 obtains the incoming flow information about the second fund account from the account custodian platform.

[0190] Specifically, after the payment object performs the fund transfer-in operation from the first fund account to the second fund account through any payment method, the account custodian platform can detect the transfer operation from the first fund account to the second fund account, and determine that the second fund account receives the incoming fund, so as to generate the incoming flow information of the second fund account for the transfer operation, and then the account custodian platform sends the generated incoming flow information of the second fund account to the payment platform, so that the payment platform receives the incoming flow information of the second fund account.

[0191] It can be understood that there is no time sequence limitation between step 1702 and step 1703, and step 1704 is performed after the fund transfer-in operation is triggered in step 1703.

[0192] In step 1705, the payment server 104 queries the first fund account as the payment account from the incoming flow information, and determines the object identifier related to the first fund account.

[0193] Specifically, the payment server queries the first fund account as the payment account from the incoming flow information through the payment platform, and then determines the object identifier related to the first fund account, that is, determines the object identifier of the payment object to which the first fund account belongs. The foregoing object identifier can be a login account identifier logged in by the payment object in the interactive application, or a login account identifier logged in by the payment object in the payment application, or other unique identifier of the payment object, which is not limited here. The first fund account is specifically a payment platform account of the payment object. The payment platform of the payment object can be the interactive application, and the payment platform of the payment object can also be the bank platform, which is not limited here.

[0194] In step 1706, the payment server 104 obtains the transfer time of the transfer operation from the incoming flow information; traverses the orders in the matching state of the object identifier; and filters the orders whose time interval between the order time and the transfer time is less than the set threshold value from the traversed orders, and the order information of the filtered orders is used to match the incoming flow information.

[0195] Specifically, the payment server obtains the transfer time of the transfer operation from the incoming flow information. Based on this, the key element in the order information can also be the order time, the payment server traverses the orders in the matching state of the object identifier, and extracts the order time in the order information of each order in the matching state from the traversed orders in the matching state of the object identifier. And compare the time interval between the order time of each order in the matching state and the transfer time of the transfer operation, and filter the orders whose time interval between the order time and the transfer time of the transfer operation is less than the set threshold value, and the order information of the orders is used to match the incoming flow information.

[0196] Step 1707, the payment server 104 matches the order information of the order in the to-be-matched state and the time interval between the order time and the transfer time is less than the set threshold with the entry flow information.

[0197] Specifically, the payment server extracts the order information of the order in the to-be-matched state and the time interval between the order time and the transfer time is less than the set threshold, matches the transfer amount in the entry flow information with the order amount, or matches the transfer note in the entry flow information with the order number.

[0198] Step 1708, in the case that the order information of the order in the to-be-matched state and the time interval between the order time and the transfer time is less than the set threshold is matched with the entry flow information successfully, the payment server 104 marks the transfer operation as a normal transfer operation, updates the order state of the order to a matched state, and sends a transfer notification to the terminal 102 corresponding to the object identifier.

[0199] Specifically, in the case that the transfer amount in the entry flow information is consistent with the order amount, the transfer operation is marked as a normal transfer operation, and the order state of the order is updated to a matched state. Or, in the case that the order number is included in the transfer note in the entry flow information, the transfer operation is marked as a normal transfer operation, the order state of the order is updated to a matched state, and then a transfer notification is sent to the terminal corresponding to the object identifier.

[0200] Step 1709, the terminal 102 displays a transfer notification about the transfer operation, and the transfer notification is used to notify that the related order has been normally transferred.

[0201] Specifically, the terminal receives the transfer notification used to notify that the related order has been normally transferred, and displays a transfer notification about the transfer operation.

[0202] Step 1710, in the case that the order information of the order in the to-be-matched state and the time interval between the order time and the transfer time is less than the set threshold fails to be matched with the entry flow information, the payment server 104 marks the transfer operation as a mis-transfer operation, and sends a transfer notification to the terminal 102 corresponding to the object identifier.

[0203] Specifically, in the case that the transfer amount in the entry flow information is inconsistent with the order amount, the transfer operation is marked as a mis-transfer operation. Or, in the case that the order number is not included in the transfer note in the entry flow information, the transfer operation is marked as a mis-transfer operation, and then a transfer notification is sent to the terminal corresponding to the object identifier.

[0204] Step 1711, the terminal 102 displays a transfer notification about the transfer operation, and the transfer notification is used to notify that the transfer operation is a mis-transfer operation.

[0205] Specifically, the terminal receives the transfer notification for notifying that the transfer operation is a mis-transfer operation, and displays the transfer notification about the transfer operation.

[0206] Step 1712, in the case that the transfer operation is marked as a mis-transfer operation, the payment server 104 sends a fund return request about the entry flow information to the account custodian platform, for requesting to return the fund from the second fund account to the first fund account; after receiving the return flow information sent by the account custodian platform, the payment server 104 sends a fund return notification to the terminal 102 corresponding to the object identifier.

[0207] Specifically, in the case that the transfer operation is a mis-transfer operation, in order to ensure the safety of the entry fund of the payee, the payment server sends a fund return request about the entry flow information to the account custodian platform to which the second fund account belongs, so that the account custodian platform to which the second fund account belongs returns the received entry fund from the second fund account to the first fund account in response to the aforementioned fund return request. If the account custodian platform determines that the fund return from the second fund account to the first fund account is completed, the return flow information corresponding to the entry flow information is generated, and the return flow information is sent to the payment server, so that the payment server determines that the fund return operation to the first fund account is successfully executed, and the terminal corresponding to the object identifier bound by the first fund account sends a fund return notification.

[0208] Step 1713, the terminal 102 displays the fund return notification.

[0209] Specifically, the terminal receives the fund return notification sent by the payment server, and displays the fund return notification.

[0210] It should be understood that the specific implementation of steps 1701 to 1713 is similar to the foregoing embodiments, and will not be described here.

[0211] It should be understood that although the steps in the flowchart involved in each of the above-described embodiments are displayed in sequence according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise stated herein, the execution of these steps is not strictly limited in sequence, and these steps can be executed in other orders. Moreover, at least part of the steps in the flowchart involved in each of the above-described embodiments can include multiple steps or stages, which are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily sequential, but can be executed in rotation or alternation with at least part of other steps or steps or stages in other steps.

[0212] Based on the same inventive concept, the embodiments of the present application also provide a transfer identification device for implementing the transfer identification method described above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme described in the above method, so the specific limitations in one or more transfer identification device embodiments provided below can refer to the limitations of the transfer identification method described above, which will not be repeated here.

[0213] In one embodiment, as shown in Figure 18 a transfer identification device is provided, comprising: an entry flow information acquisition module 1802, a matching module 1804 and a notification initiation module 1806, wherein:

[0214] The entry flow information acquisition module 1802 is configured to acquire entry flow information about the second fund account from the account custodian platform, and the entry flow information is generated and sent by the account custodian platform when detecting the transfer operation from the first fund account to the second fund account;

[0215] The matching module 1804 is configured to, after querying the first fund account as a payment account from the entry flow information, determine the object identifier related to the first fund account, and match the entry flow information with the to-be-matched order of the object identifier;

[0216] The notification initiation module 1806 is configured to, in the case that there is a target order matching the entry flow information in the to-be-matched order, mark the transfer operation as a normal transfer operation, and send a transfer notification to the terminal corresponding to the object identifier, the transfer notification being used to notify that the related order has been normally transferred;

[0217] The notification initiation module is also configured to, in the case that there is no target order matching the entry flow information in the to-be-matched order, mark the transfer operation as a mis-transfer operation, and send a transfer notification to the terminal corresponding to the object identifier, the transfer notification being used to notify that the transfer operation is a mis-transfer operation.

[0218] In one embodiment, the transfer identification device further comprises an order processing module;

[0219] The order processing module is configured to receive an order submitted through the object identifier;

[0220] The object identifier and the order are recorded correspondingly; wherein the order state of the submitted order is initialized as a to-be-matched state, and the order state of the order is updated as a matched state after the order information of the order matches any entry flow information.

[0221] In one embodiment, the matching module is specifically configured to query the orders in the to-be-matched state for the object identifier, extract order information of the orders in the to-be-matched state, the order information at least including an order amount and an order number; match the transfer amount in the entry flow information with the order amount, or match the transfer note in the entry flow information with the order number.

[0222] In one embodiment, the matching module is specifically configured to, in a case where the transfer amount in the entry flow information is consistent with the order amount of the target order, mark the transfer operation as a normal transfer operation, and update the order state of the target order to a matched state; or in a case where the order number of the target order is included in the transfer note in the entry flow information, mark the transfer operation as a normal transfer operation, and update the order state of the target order to a matched state.

[0223] In one embodiment, the matching module is specifically configured to, in a case where the transfer amount in the entry flow information is inconsistent with the order amount of the order in the to-be-matched state, mark the transfer operation as a mis-transfer operation; or in a case where the order number of any order in the to-be-matched state is not included in the transfer note in the entry flow information, mark the transfer operation as a mis-transfer operation.

[0224] In one embodiment, the matching module is specifically configured to obtain the transfer time of the transfer operation from the entry flow information; traverse the orders in the to-be-matched state for the object identifier; and select, from the traversed orders, an order whose time interval between the order placement time and the transfer time is less than a set threshold, the order information of the selected order being used to match the entry flow information.

[0225] In one embodiment, the transfer identification device further includes a fund return module;

[0226] The fund return module is configured to, in a case where the transfer operation is marked as a mis-transfer operation, send, to the account custodian platform, a fund return request about the entry flow information, for requesting to return the fund from the second fund account to the first fund account; and after receiving the return flow information sent by the account custodian platform, send, to the terminal corresponding to the object identifier, a fund return notification.

[0227] In another embodiment, as shown in Figure 19 Fig. 2, a transfer identification device is provided, which includes an order submission module 1902, a transfer operation module 1904, and a display module 1906, wherein:

[0228] The order submission module is configured to submit a target order to a payment server through an object identifier.

[0229] The transfer operation module is configured to perform a transfer operation from a first fund account bound to the object identifier to a second fund account as a target order payment account, the transfer operation being a fund transfer-in operation performed from the first fund account to the second fund account;

[0230] The display module is configured to display a transfer notification about the transfer operation in a case where there is an order matching the account entry serial information of the second fund account in the to-be-matched orders of the object identifier bound to the first fund account, the transfer operation being marked as a normal transfer operation, the transfer notification being used to notify that the related order has been normally transferred;

[0231] The display module is further configured to display a transfer notification about the transfer operation in a case where there is no order matching the account entry serial information of the second fund account in the to-be-matched orders of the object identifier bound to the first fund account, the transfer operation being marked as a mis-transfer operation, the transfer notification being used to notify that the transfer operation is a mis-transfer operation.

[0232] In an embodiment, the display module is further configured to display a fund return notification, the fund return notification being displayed after the fund return operation is successfully performed on the first fund account in the case where the transfer operation is a mis-transfer operation.

[0233] In an embodiment, the display module is further configured to display a payment information interface of the target order, the second fund account, the first fund account bound to the object identifier and the displayed second fund account being used to implement the fund transfer-in operation.

[0234] In an embodiment, the payment information interface further includes a transfer control;

[0235] The display module is specifically configured to display a transfer interface in response to a triggering operation on the transfer control, and fill the first fund account bound to the object identifier, the displayed second fund account and the order information of the target order into a transfer information input box in the transfer interface; and trigger the fund transfer-in operation in response to a triggering operation of confirming the transfer.

[0236] In an embodiment, the payment information interface further includes an information copy control;

[0237] The display module is further configured to copy the displayed second fund account and the order information of the target order in response to a triggering operation on the information copy control, the copied second fund account and the order information of the target order being used to implement the fund transfer-in operation.

[0238] In an embodiment, the payment information interface further includes a transfer status query control;

[0239] The display module is further configured to display the transfer status of the target order in response to a triggering operation on the transfer status query control.

[0240] In one embodiment, a computer device is provided, which can be a server or a terminal. This embodiment uses a computer device as a terminal as an example, and its internal structure diagram is as follows. Figure 20 As shown, the computer device includes a processor, memory, input / output interfaces, a communication interface, a display unit, and an input device. The processor, memory, and input / output interfaces are connected via a system bus, and the communication interface, display unit, and input device are also connected to the system bus via the input / output interfaces. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The input / output interfaces are used for exchanging information between the processor and external devices. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When executed by the processor, the computer program implements a transfer identification method. The display unit of the computer device is used to form a visually visible image. It can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be an LCD screen or an e-ink screen. The input device of the computer device can be a touch layer covering the display screen, or buttons, trackballs, or touchpads set on the casing of the computer device, or external keyboards, touchpads, or mice, etc.

[0241] In another embodiment, a computer device is provided, which can be a server or a terminal. This embodiment uses a server as an example for description, and its internal structure diagram is as follows. Figure 21As shown in the figure. The computer device includes a processor, a memory, an Input / Output (I / O) interface, and a communication interface. Among them, the processor, the memory, and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store the data related to the embodiments of the present application, such as the order information of the order and the entry flow information. The input / output interface of the computer device is used to exchange information between the processor and external devices. The communication interface of the computer device is used to communicate with external terminals through network connection. The computer program is executed by the processor to implement a transfer identification method.

[0242] Those skilled in the art can understand that, Figure 20 and Figure 21 The structure shown in the figure is only a block diagram of part of the structure related to the scheme of the present application, and does not constitute a limitation on the computer device to which the scheme of the present application is applied. The specific computer device can include more or fewer components than those shown in the figure, or combine certain components, or have a different component arrangement.

[0243] In one embodiment, a computer device is also provided, including a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the steps in the above method embodiments.

[0244] In one embodiment, a computer readable storage medium is provided, which stores a computer program, and the computer program is executed by a processor to implement the steps in the above method embodiments.

[0245] In one embodiment, a computer program product is provided, including a computer program, and the computer program is executed by a processor to implement the steps in the above method embodiments.

[0246] It should be noted that the transfer identification (including but not limited to object device information, object personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in the present application are all information and data authorized by the object or fully authorized by all parties, and the collection, use, and processing of related data need to comply with relevant laws, regulations, and standards of relevant countries and regions.

[0247] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer readable storage medium, and when the computer program is executed, the processes of the above-mentioned embodiments of the methods can be included. Any reference to memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical storage, high-density embedded non-volatile memory, resistive memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration but not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The database involved in the embodiments provided in the present application can include at least one of a relational database and a non-relational database. The non-relational database can include a distributed database based on a block chain, etc., without being limited thereto. The processor involved in the embodiments provided in the present application can be a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic device, etc., without being limited thereto.

[0248] The technical feature information of the above embodiments can be combined arbitrarily. In order to make the description simple, all possible combinations of the technical feature information in the above embodiments are not described, but as long as the combination of the technical feature information does not exist contradictory, it should be considered as the scope of the present application.

[0249] The above embodiments only express several implementation manners of the present application, and the description is more specific and detailed, but it should not be understood as a limitation on the scope of the patent of the present application. It should be pointed out that for ordinary skilled in the art, without departing from the concept of the present application, a number of modifications and improvements can be made, which are all within the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A method for identifying fund transfers, characterized in that, The method includes: Obtain incoming transaction information for the second fund account from the account custody platform. The incoming transaction information is generated and sent by the account custody platform when it detects a transfer operation from the first fund account to the second fund account. After retrieving the first fund account as the payment account from the incoming transaction information, determine the object identifier related to the first fund account, and match the incoming transaction information with the order to be matched by the object identifier; If a target order matching the incoming transaction information exists among the pending orders, the transfer operation is marked as a normal transfer operation, and a transfer notification is sent to the terminal corresponding to the object identifier. The transfer notification is used to notify that the relevant order has been transferred normally. If no target order matching the incoming transaction information exists among the pending orders, the transfer operation is marked as an erroneous transfer operation, and a transfer notification is sent to the terminal corresponding to the object identifier. The transfer notification is used to notify the transfer operation that it is an erroneous transfer operation.

2. The method according to claim 1, characterized in that, The method further includes: Receive orders submitted via the object identifier; The object identifier and the corresponding record of the order are recorded; wherein, the order status of the submitted order is initialized to a pending matching status, and after the order information of the order is matched with any incoming transaction information, the order status of the order is updated to a matched status.

3. The method according to claim 1, characterized in that, The step of matching the incoming transaction information with the order to be matched for the object identifier includes: Query the orders in the pending matching state of the object identifier, and extract the order information of the orders in the pending matching state, wherein the order information includes at least the order amount and the order number; Match the transfer amount in the incoming transaction information with the order amount, or match the transfer remarks in the incoming transaction information with the order number.

4. The method according to claim 3, characterized in that, If a target order matching the incoming transaction information exists among the pending orders, the transfer operation is marked as a normal transfer operation, including: If the transfer amount in the incoming transaction information matches the order amount of the target order, the transfer operation is marked as a normal transfer operation, and the order status of the target order is updated to a matched status; or, if the transfer remarks in the incoming transaction information include the order number of the target order, the transfer operation is marked as a normal transfer operation, and the order status of the target order is updated to a matched status.

5. The method according to claim 3, characterized in that, If no target order matching the incoming transaction information exists among the orders to be matched, the transfer operation is marked as an erroneous transfer, including: If the transfer amount in the incoming transaction information is inconsistent with the order amount of the order in the pending matching state, the transfer operation will be marked as an erroneous transfer operation; or, if the transfer remarks in the incoming transaction information do not include any order number in the pending matching state, the transfer operation will be marked as an erroneous transfer operation.

6. The method according to claim 3, characterized in that, The query for orders in the pending matching state identified by the object identifier includes: Obtain the transfer time of the transfer operation from the incoming transaction information; Iterate through the orders identified by the object that are in a pending matching state; The orders that are filtered out from the traversed orders are those whose time interval between the order placement time and the transfer time is less than a set threshold. The order information of the filtered orders is used to match the incoming transaction information.

7. The method according to claim 1, characterized in that, The method further includes: If the transfer operation is marked as a mistaken transfer, a fund return request is sent to the account custody platform regarding the incoming transaction information, in order to request the return of funds from the second fund account to the first fund account. After receiving the refund transaction information sent by the account custody platform, a notification that the funds have been refunded is sent to the terminal corresponding to the object identifier.

8. A method for identifying fund transfers, characterized in that, The method includes: Submit the target order to the payment server using the object identifier; A transfer operation is performed from the first fund account bound to the object identifier to the second fund account, which is the receiving account for the target order. The transfer operation is a fund transfer operation performed from the first fund account to the second fund account. If there is an order in the pending orders of the object identifier related to the first fund account that matches the incoming transaction information of the second fund account, a transfer notification about the transfer operation is displayed. The transfer operation is marked as a normal transfer operation. The transfer notification is used to notify the relevant order that the transfer has been completed normally. If there is no order in the pending orders of the object identifier bound to the first fund account that matches the incoming transaction information of the second fund account, a transfer notification is displayed regarding the transfer operation. The transfer operation is marked as an erroneous transfer operation, and the transfer notification is used to notify the transfer operation that it is an erroneous transfer operation.

9. The method according to claim 8, characterized in that, The method further includes: The notification that funds have been returned is displayed after a successful refund operation has been performed on the first fund account in the event that the transfer operation was a mistaken transfer operation.

10. The method according to claim 8, characterized in that, The method further includes: The payment information interface for the target order is displayed. The payment information interface includes the second fund account. The first fund account bound to the object identifier and the displayed second fund account are used to implement the fund transfer operation.

11. The method according to claim 10, characterized in that, The payment information interface also includes a transfer control. The step of performing a transfer operation from the first fund account bound to the object identifier to the second fund account, which is the payment account for the target order, includes: In response to the triggering operation of the transfer control, the transfer interface is displayed, and the first fund account bound to the object identifier, the displayed second fund account, and the order information of the target order are filled into the transfer information input box in the transfer interface; In response to the confirmation of the transfer, the fund transfer operation is triggered.

12. The method according to claim 10, characterized in that, The payment information interface also includes an information copy control, and the method further includes: In response to the triggering operation of the information copy control, the displayed second fund account and the order information of the target order are copied, and the copied second fund account and the order information of the target order are used to implement the fund transfer operation.

13. The method according to claim 10, characterized in that, The payment information interface also includes a transfer status query control, and the method further includes: In response to a trigger operation on the transfer status query control, the transfer status of the target order is displayed.

14. A transfer identification device, characterized in that, The device includes: The inflow transaction information acquisition module is used to obtain inflow transaction information about the second fund account from the account custody platform. The inflow transaction information is generated and sent by the account custody platform when it detects a transfer operation from the first fund account to the second fund account. The matching module is used to query the first fund account, which is the payment account, from the incoming transaction information, determine the object identifier related to the first fund account, and match the incoming transaction information with the order to be matched by the object identifier. The notification initiation module is used to mark the transfer operation as a normal transfer operation when there is a target order in the pending orders that matches the invoice transaction information, and to send a transfer notification to the terminal corresponding to the object identifier. The transfer notification is used to notify the relevant order that the transfer has been completed normally. The notification initiation module is further configured to mark the transfer operation as an erroneous transfer operation and send a transfer notification to the terminal corresponding to the object identifier when there is no target order in the order to be matched that matches the inflow information. The transfer notification is used to notify the transfer operation that it is an erroneous transfer operation.

15. A transfer identification device, characterized in that, The device includes: The order submission module is used to submit the target order to the payment server using the object identifier; The transfer operation module is used to perform a transfer operation from the first fund account bound to the object identifier to the second fund account, which is the receiving account of the target order. The transfer operation is a fund transfer operation performed from the first fund account to the second fund account. The display module is used to display a transfer notification about the transfer operation when there is an order in the pending orders of the object identifier related to the first fund account that matches the incoming transaction information of the second fund account. The transfer operation is marked as a normal transfer operation, and the transfer notification is used to notify the relevant order that the transfer has been completed normally. The display module is further configured to display a transfer notification regarding the transfer operation when there is no order in the pending orders of the object identifier bound to the first fund account that matches the incoming transaction information of the second fund account. The transfer operation is marked as an erroneous transfer operation, and the transfer notification is used to notify the transfer operation that it is an erroneous transfer operation.

16. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 13.

17. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 13.

18. A computer program product, comprising a computer program, characterized in that, When executed by a processor, the computer program implements the steps of the method described in any one of claims 1 to 13.

Images