Fund supervision method, device and system and computer equipment

Abstract

The embodiment of the invention discloses a fund supervision method, device and system based on a consumer order and computer equipment, and is applied to a fund supervision account checking service platform, and the method comprises the steps: receiving a payment order record which is sent by a client platform and is about the consumption of a consumer on the client platform; receiving consumption details about the consumption amount sent by the third-party payment platform; obtaining supervision account entry transaction details about the consumption amount sent by a bank supervision account of the client platform; account checking processing is carried out on the payment order record, the consumption details and the supervision account entry transaction details; when the result of the account checking processing is equal account, sending an account checking detail table indicating that account checking is correct to a client platform; when a transfer request corresponding to the consumption amount sent by the client platform is received, the transferred order data is verified; and when verification is correct, the consumption amount is transferred from the bank supervision account to the free account of the client platform.

Description

Technical Field

[0001] This application relates to the field of financial information service technology, and in particular to a fund supervision method, apparatus and system and computer equipment. Background Technology

[0002] With the rapid development of e-commerce, consumers are increasingly spending on various platforms, highlighting the issue of fund security. To protect consumer rights and ensure the safety of transaction funds, fund supervision mechanisms have emerged. Fund supervision refers to the use of specific mechanisms and processes to monitor and manage the flow of funds throughout the transaction process, preventing misappropriation or abuse.

[0003] Currently, for customer-side platforms with prepayment and prepayment services in related industries, such as education platforms and driving school platforms, the transaction funds (the amount consumers spend on the platform) are usually directly deposited into a regulatory account opened by the platform at a bank. When a transfer is needed, the funds are transferred directly from the regulatory account to the customer-side platform's free account through a simple fund transfer interface.

[0004] It should be noted that the above introduction to the technical background is only for the purpose of providing a clear and complete explanation of the technical solutions of this application and facilitating understanding by those skilled in the art. It should not be assumed that these technical solutions are known to those skilled in the art simply because they have been described in the background section of this application. Summary of the Invention

[0005] The inventors discovered that existing business systems cannot provide order-level fund transfer control for client platforms, lacking sufficient granularity; most systems can only achieve account-level fund supervision, failing to manage the fund flow precisely for each order, resulting in a lack of targeted and flexible fund usage; existing business systems lack clear reconciliation management results, the reconciliation process is usually one-way, lacking cross-validation of multi-party data, making it difficult to ensure the accuracy and reliability of reconciliation results, and client platforms cannot promptly detect fund problems or obtain clear income and expenditure evidence; the fund supervision function of existing business systems is incomplete, only providing temporary storage and transfer functions for funds, meaning that existing technology only plays a custodian role for consumer funds, without corresponding fund supervision, and the security of funds prepaid by consumers on the platform cannot be guaranteed by the mechanism.

[0006] To address at least one or similar technical problems mentioned above, embodiments of this application provide a fund supervision method, apparatus, and system that enables refined order-level management, cross-verification of multi-party data, and a robust reconciliation mechanism to ensure consumer fund security and improve the effectiveness and transparency of fund supervision.

[0007] This application provides a fund supervision method based on consumer orders, applied to a fund supervision and reconciliation service platform. The method includes: receiving payment order records from a client platform regarding consumer spending on that platform, wherein the payment order records are generated when the consumer transfers the amount of that spending to a third-party payment platform; receiving consumption details of the spending amount from the third-party payment platform; and obtaining transaction details of the supervisory account deposited into the supervisory account regarding the spending amount from the client platform's bank supervisory account. The third-party payment platform generates transaction details from the bank's supervisory account when transferring the consumption amount to the bank's supervisory account at a specified time; it then reconciles the payment order record, the consumption details, and the transaction details credited to the supervisory account; when the reconciliation results in a balanced account, it sends a reconciliation statement indicating that the reconciliation is correct to the client platform; upon receiving a transfer request corresponding to the consumption amount from the client platform, it verifies the transfer order data included in the transfer request; and when the verification is correct, it transfers the consumption amount from the bank's supervisory account to the client platform's free account.

[0008] In some embodiments, the reconciliation process of the payment order record, the consumption details, and the transaction details credited to the regulatory account includes: performing detailed reconciliation of the consumption details, the payment order record, and the transaction details credited to the regulatory account at the specified time, based at least on the consistency of payment flow, transaction amount, available amount, and transaction date.

[0009] In some embodiments, when the transfer request includes multiple transfer requests for the same order, it is verified whether the cumulative amount of the multiple transfer requests exceeds the consumption amount.

[0010] In some embodiments, after the reconciliation process is performed, the fund supervision method further includes: when the result of the reconciliation process is an outstanding balance, setting a time to perform the next reconciliation process; and when the result of the reconciliation process is an outstanding balance after a predetermined number of reconciliation processes, generating a reconciliation error record and sending an alarm message.

[0011] In some embodiments, before obtaining the transaction details of the supervisory account for the consumption amount sent by the bank supervisory account of the client platform, the fund supervision method further includes: sending a query request for the transaction details of the supervisory account for the consumption amount to the bank supervisory account at a specified time.

[0012] In some embodiments, when the client platform corresponds to multiple bank supervision accounts, the reconciliation process of the payment order records, the consumption details, and the supervision account inflow transaction details further includes: reconciling the total amount and total number of inflows in the multiple supervision account inflow transaction details with all payment order records of the client platform on the day before the specified time at the specified time.

[0013] This application embodiment also provides a fund supervision device based on consumer orders, applied to a fund supervision and reconciliation service platform. The device includes: a first receiving unit, configured to receive payment order records sent by a client platform regarding consumer spending on that client platform; the payment order record being an order record generated when a consumer transfers the amount of a transaction to a third-party payment platform; a second receiving unit, configured to receive transaction details regarding the transaction amount sent by the third-party payment platform; and an acquisition unit, configured to acquire transaction details of the transaction amount deposited into the client platform's bank supervision account, the transaction details being a record of the transaction amount deposited into the bank supervision account. The third-party payment platform transfers the consumption amount to the bank's supervisory account at a specified time, generating transaction details from the bank's supervisory account; a reconciliation unit, used to reconcile the payment order records, the consumption details, and the transaction details credited to the supervisory account; a sending unit, used to send a reconciliation detail table indicating that the reconciliation is correct to the client platform when the reconciliation process results in a balance; a verification unit, used to verify the transfer order data included in the transfer request corresponding to the consumption amount sent by the client platform; and a transfer unit, used to transfer the consumption amount from the bank's supervisory account to the client platform's free account when the verification is correct.

[0014] This application embodiment also provides a fund supervision system based on consumer orders, wherein the fund supervision system includes: a fund supervision reconciliation service platform, the fund supervision reconciliation service platform including the aforementioned fund supervision device; a customer platform, the customer platform being used to send payment order records generated when a consumer makes a purchase on the customer platform and transfers the consumption amount to a third-party payment platform to the fund supervision device, and upon receiving a reconciliation detail table indicating that the reconciliation is correct from the fund supervision reconciliation service platform, sending a transfer request corresponding to the consumption amount to the fund supervision reconciliation service platform; the third-party payment platform, the third-party payment platform being used to send consumption details about the consumption amount to the fund supervision device upon receiving the consumption amount transferred from the customer platform, and being used to transfer the consumption amount to a bank supervision account at a specified time; and the bank supervision account, the bank supervision account being used to send the supervision account deposit transaction details about the consumption amount generated upon receiving the consumption amount to the fund supervision device.

[0015] This application also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the aforementioned fund supervision method.

[0016] This application also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned fund monitoring method.

[0017] This application also provides a computer program product, which includes a computer program that, when executed by a processor, implements the aforementioned fund monitoring method.

[0018] One of the beneficial effects of this application embodiment is that, through the three-party reconciliation mechanism of the fund supervision and reconciliation service platform, which is independent of the bank supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank supervision account are reconciled. This ensures that the flow of funds is clear and traceable, thereby ensuring that the funds deposited into the supervision account are orderly and traceable, without omission, corresponding to each order, and guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring the consumption amount to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications, namely the three-party reconciliation and the verification of the transferred order data, thereby further ensuring the safety of consumers' funds for each order.

[0019] Embodiments of this application are disclosed in detail with reference to the following description and accompanying drawings. It should be understood that the scope of embodiments of this application is not limited thereto. Within the spirit and scope of the appended claims, embodiments of this application include many changes, modifications, and equivalents.

[0020] Features described and / or illustrated for one embodiment may be used in the same or similar manner in one or more other embodiments, combined with features in other embodiments, or substituted for features in other embodiments. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0022] Figure 1 This is a schematic diagram of a fund monitoring method based on consumer orders, according to an embodiment of this application.

[0023] Figure 2 This is a flowchart of the fund supervision method according to an embodiment of this application;

[0024] Figure 3 This is a schematic diagram of a fund monitoring device according to an embodiment of this application;

[0025] Figure 4 yes Figure 3 A schematic diagram of reconciliation unit 304;

[0026] Figure 5 This is a schematic diagram of the fund monitoring system according to an embodiment of this application. Detailed Implementation

[0027] Referring to the accompanying drawings, the foregoing and other features of this application will become apparent from the following description. Specific embodiments of this application are specifically disclosed in the description and drawings, illustrating partial implementations in which the principles of this application may be employed. It should be understood that this application is not limited to the described embodiments; rather, it includes all modifications, variations, and equivalents falling within the scope of the appended claims.

[0028] In the embodiments of this application, the terms "first," "second," etc., are used to distinguish different elements by name, but do not indicate the spatial arrangement or chronological order of these elements, and these elements should not be limited by these terms. The term "and / or" includes any one or more of the terms listed in association and all combinations thereof. The terms "comprising," "including," "having," etc., refer to the presence of the stated features, elements, components, or assemblies, but do not exclude the presence or addition of one or more other features, elements, components, or assemblies.

[0029] In the embodiments of this application, the singular forms "a," "the," etc., including the plural forms, should be broadly understood as "a kind" or "a class" rather than limited to the meaning of "an." Furthermore, the term "the" should be understood to include both the singular and plural forms, unless the context explicitly indicates otherwise. Additionally, the term "according to" should be understood as "at least partially based on…," and the term "based on" should be understood as "at least partially based on…," unless the context explicitly indicates otherwise.

[0030] The embodiments of this application will now be described with reference to the accompanying drawings.

[0031] This application provides a fund supervision method based on consumer orders. This fund supervision method is applied to a fund supervision and reconciliation service platform. The client platform opens a bank supervision account at a bank and a separate fund supervision and reconciliation service platform corresponding to the bank supervision account.

[0032] Figure 1 This is a schematic diagram of a fund supervision method based on consumer orders, according to an embodiment of this application.

[0033] like Figure 1 As shown, fund supervision methods based on consumer orders may include:

[0034] 101. Receive payment order records sent by the client platform regarding the consumer's consumption on the client platform. These payment order records are generated when the consumer transfers the consumption amount to a third-party payment platform after making a purchase on the client platform.

[0035] 102. Receive the transaction details regarding the transaction amount sent by the third-party payment platform;

[0036] 103. Obtain the transaction details of the bank supervision account sent by the client's platform regarding the consumption amount. The transaction details of the bank supervision account are the transaction details generated by the bank supervision account when the third-party payment platform transfers the consumption amount to the bank supervision account at a specified time.

[0037] 104. Reconcile payment order records, consumption details, and transaction details deposited into the escrow account;

[0038] 105. When the reconciliation process results in a balanced account, a reconciliation details sheet indicating that the reconciliation is correct will be sent to the client's platform.

[0039] 106. Upon receiving a transfer request for the corresponding consumption amount from the client's platform, verify the transfer order data included in the transfer request; and

[0040] 107. Upon successful verification, the consumption amount will be transferred from the bank's escrow account to the customer's free account on the platform.

[0041] According to the above embodiments, through a three-party reconciliation mechanism of a fund supervision and reconciliation service platform independent of the bank's supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank's supervision account are reconciled to ensure that the flow of funds is clear and traceable. This ensures that the funds deposited into the supervision account are orderly, verifiable, and complete, corresponding to each order, thus guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring consumption funds to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications: three-party reconciliation and verification of the transferred order data, thereby further guaranteeing the safety of consumers' funds for each order.

[0042] In some embodiments of this application, the client platform is, for example, a client education platform, a driving school payment platform, etc. The following will use the client education platform as an example for illustration.

[0043] In some embodiments of this application, in step 101, a consumer can select an appropriate course on the client's education platform (i.e., make a purchase, for example, choosing to learn mathematics and physics on the client's education platform) and initiate payment. At this time, the purchase amount paid by the consumer will be transferred to a third-party payment platform. Simultaneously with the transfer of this purchase amount to the third-party payment platform, the client's education platform will generate a payment order record for this purchase. When generating the payment order record, the client's education platform will send the payment order record to the fund supervision and reconciliation service platform opened by the client's education platform at a bank. In other words, when a consumer pays for course learning through the client's education platform, when the fee (purchase amount) is transferred to the third-party payment platform, the client's education platform simultaneously sends the payment order record for this fee (purchase amount) to the fund supervision and reconciliation service platform. That is, the fund supervision and reconciliation service platform receives the payment order record for this purchase sent by the client's education platform from the consumer on the client's education platform.

[0044] In some embodiments of this application, the payment order records retained by the client's education platform on the fund supervision and reconciliation service platform may include various payment flow numbers, such as client order number, regulatory unit number, regulatory contract number, transaction date, order status, order amount (transaction amount, for example, including the order amount corresponding to each consumption item), payment success time, order item name, etc.

[0045] In some embodiments of this application, in step 102, when the third-party payment platform receives the consumption amount transferred to it by the consumer through the customer education platform, the third-party payment platform sends the consumption details of the consumption amount to the fund supervision and reconciliation service platform. That is, the fund supervision and reconciliation service platform receives the consumption details of the consumption amount sent by the third-party payment platform.

[0046] Specifically, for example, a third-party payment platform pushes the consumption details of the transaction on day T to a fixed FTP file server at a specified time (e.g., the day after the order is consumed, i.e., T+1). The fund supervision and reconciliation service platform will automatically retrieve the consumption details from a fixed directory on the FTP file server at a fixed time every day, along with the path for the current date. After retrieving the consumption details, the fund supervision and reconciliation service platform will, for example, parse the consumption details and store the parsed consumption details in a dedicated reconciliation table to indicate that reconciliation is required.

[0047] In some embodiments of this application, the consumption details may include, for example, transaction date, payment type, transaction amount (e.g., the amount corresponding to each consumption item), transaction payment time, customer order number, etc.

[0048] In some embodiments of this application, in step 103, the third-party payment platform transfers the consumption amount for this consumption to the bank's regulatory account at a specified time (e.g., the second day after the order is consumed, i.e., T+1 day). When the bank's regulatory account receives the consumption amount for this consumption, it generates a regulatory account deposit transaction detail for the consumption amount for this consumption and sends the regulatory account deposit transaction detail to the fund regulatory reconciliation service platform. That is, the fund regulatory reconciliation service platform receives the regulatory account deposit transaction detail for the consumption amount for this consumption generated by the bank's regulatory account.

[0049] In some embodiments of this application, the transaction details of the supervisory account may include, for example, the transaction date, account number, transaction amount, and counterparty's accounting account.

[0050] In some embodiments of this application, when a third-party payment platform transfers consumption amounts to a bank-supervised account, it may transfer all consumption amounts, such as all consumption amounts for math and physics courses, or it may transfer only a portion of the consumption amounts. For example, if a consumer chooses to study math first, the consumption amount for math courses may be transferred first, and then the consumption amount for physics courses may be transferred to the bank-supervised account when the consumer finishes studying math and then studies physics.

[0051] In some embodiments of this application, in step 104, the fund supervision reconciliation service platform reconciles the payment order records sent by the client platform, the consumption details sent by the third-party payment platform, and the supervision account deposit transaction details sent by the bank supervision account. Specifically, the reconciliation process may include: performing detailed reconciliation of the consumption details, payment order records, and supervision account deposit transaction details at a specified time (e.g., T+1 day), at least based on the consistency of transaction amounts and transaction dates.

[0052] In some embodiments of this application, in step 105, when the fund supervision and reconciliation service platform successfully reconciles the payment flow consistency of consumption details, payment order records, and transaction details deposited into the supervision account, the fund supervision and reconciliation service platform can, for example, generate a reconciliation detail table indicating that the reconciliation is correct, display the reconciled status of the order (i.e., the order is now balanced), and store it for future verification. After generating the reconciliation detail table, the reconciliation detail table is sent to the client's education platform. When the client's education platform receives the reconciliation detail table indicating that the reconciliation is correct, it can change the status of the order to "transferable." After the consumer completes the corresponding course on the client's education platform, the client's education platform sends a transfer request for the corresponding consumption amount of the order to the fund supervision and reconciliation service platform. For example, if the consumer completes the math course, the client's education platform can send a transfer request for the consumption amount of the math course portion of the order to the fund supervision and reconciliation service platform.

[0053] In some embodiments of this application, in step 106, when the fund supervision and reconciliation service platform receives a transfer request for the corresponding consumption amount sent by the client's education platform, it verifies the transfer order data included in the transfer request. For example, it may include verifying the order payment flow, order reconciliation status, etc.

[0054] In some embodiments of this application, in step 107, when the fund supervision and reconciliation service platform verifies that the transfer order data is correct, an instruction is sent to the bank supervision account to transfer the corresponding consumption amount for the order from the bank supervision account to the free account of the customer's education platform, so that the consumption amount is transferred from the bank supervision account to the free account of the customer's education platform.

[0055] In some embodiments of this application, in step 106, when the fund supervision and reconciliation service platform receives a transfer request for the corresponding consumption amount sent by the client's education platform, the transfer request may include a transfer request for multiple transfers of the same order, such as a transfer request for multiple transfers of different items in the same order. Specifically, when a transfer request for a math course item in the same order is received, the consumption amount corresponding to the transfer request for the math course item in the order is transferred after verification. When a transfer request for a physics course item in the same order is subsequently received, in addition to verifying the transfer order data for the corresponding physics course item in the order, it is also necessary to verify whether the cumulative amount of the multiple transfer requests exceeds the consumption amount of the order, that is, to verify whether the sum of the amount corresponding to the transfer request for the math course item and the amount corresponding to the transfer request for the physics course item in the order exceeds the consumption amount of the order.

[0056] In this way, when transferring consumption amounts to the client's free account on the education platform in installments, in addition to the two verifications mentioned above, further amount verification is required. This provides more refined control over fund transfers, making the flow of each fund clearer and more definite.

[0057] In some embodiments of this application, such as Figure 1 As shown, after section 104, fund supervision methods may also include, for example:

[0058] 108. When the result of the reconciliation process is an unresolved account (unresolved account in the three-party reconciliation), set the next reconciliation process to be executed at a specified time.

[0059] 109. If the reconciliation process has been performed a predetermined number of times and the result is still unbalanced, a reconciliation error record will be generated and an alarm message will be sent.

[0060] In some embodiments of this application, in step 108, situations leading to unresolved accounts include, for example: (1) missing payment order records that the client's education platform needs to synchronize with the fund supervision reconciliation service platform; (2) time delay in the third-party payment platform pushing consumption details to the FTP file server; (3) time delay in the bank supervision account's deposit time; (4) time delay in the bank supervision account sending supervision account deposit transaction details to the fund supervision reconciliation service platform, etc. In these unresolved account situations, it can be set to re-execute the third-party reconciliation process after, for example, after 2 hours, that is, to query the missing file records again after 2 hours, and so on.

[0061] In some embodiments of this application, in step 109, for example, if there are three reconciliation processes that result in an unresolved account, that is, multiple unresolved accounts for the same order, the fund supervision and reconciliation service platform will generate a reconciliation error record and send warning messages such as sound and / or text to remind business personnel to perform manual intervention and analysis.

[0062] In this way, if there are multiple outstanding balances for the same order, the corresponding consumption amount for that order will not be transferred out of the bank's escrow account, thus further ensuring the safety of funds.

[0063] In some embodiments of this application, such as Figure 1 As shown, prior to 103, fund supervision methods could also include:

[0064] 110, at the designated time, sends a request to the bank's supervisory account to inquire about the transaction details of the consumption amount credited to the supervisory account.

[0065] In some embodiments of this application, in step 110, the funds supervision and reconciliation service platform may, for example, send the query request to the bank supervision account on T+1 day. After receiving the query request, the bank supervision account will then send the transaction details of the supervision account deposited into the order to the funds supervision and reconciliation service platform. Of course, this application is not limited to this method. For example, the bank supervision account may also automatically send the transaction details of the supervision account deposited into the funds supervision and reconciliation service platform at regular intervals.

[0066] In some embodiments of this application, the client-side education platform can be registered on multiple merchant platforms. In this case, the bank supervision account is opened by each merchant platform, and one merchant platform corresponds to one bank supervision account. Thus, the client-side education platform registered on multiple merchant platforms can correspond to multiple bank supervision accounts. In this case, in step 104, the reconciliation process may also include: at a specified time (T+1 day), reconciling the total amount and total number of transactions in the transaction details of multiple supervision accounts with all payment order records of the client-side platform on the day before (T day) of the specified time.

[0067] For example, a client's education platform has registered three merchants: Merchant A (with a corresponding bank escrow account A), Merchant B (with a corresponding bank escrow account B), and Merchant C (with a corresponding bank escrow account C). On day T, the client's education platform generates order A with Merchant A, order B with Merchant B, and order C with Merchant C. Then, on day T+1, the bank escrow account A corresponding to Merchant A will generate transaction details A for order A, and the bank escrow account B corresponding to Merchant B will generate transaction details B for order B. Merchant C... On T+1 day, the corresponding bank supervision account C will generate a supervision account inflow transaction detail C for order C. On T+1 day, the client's education platform's fund supervision reconciliation service platform will reconcile the total amount and total number of inflows in the supervision account inflow transaction details (supervision account inflow transaction detail A, supervision account inflow transaction detail B, and supervision account inflow transaction detail C) of each merchant's bank supervision account with all payment order records (payment order records of order A, payment order records of order B, and payment order records of order C) sent by the client's education platform to the fund supervision reconciliation service platform on T day.

[0068] In this way, regardless of how many merchant platforms the client's education platform joins, the fund supervision and reconciliation service platform will uniformly track and verify the fund flow of all orders generated by the education platform on various merchant platforms every day, thereby making it convenient for the client's education platform to have a clear and accurate understanding of the overall ledger and the flow of each fund.

[0069] Figure 2 This is a flowchart of the fund monitoring method according to an embodiment of this application. The following examples illustrate the fund monitoring method for each order to further explain the fund monitoring method based on consumer orders according to an embodiment of this application.

[0070] like Figure 2 As shown, the process of fund supervision methods may include:

[0071] 201. The client's education platform sends the order record (payment order record) generated when a consumer makes a purchase on its platform on day T and the amount of that purchase (order) is transferred to a third-party payment platform to the funds supervision and reconciliation service platform; the client's education platform sends the payment order record on day T to the funds supervision and reconciliation service platform.

[0072] 202. On T+1 day, the third-party payment platform sends a detailed statement of the consumption amount (order) to the fund supervision and reconciliation service platform.

[0073] For example, the third-party payment platform pushes the transaction details to a fixed FTP file server, and then the fund supervision and reconciliation service platform downloads it from the FTP file server.

[0074] 203. The third-party payment platform will transfer the consumption amount to the bank's regulatory account on T+1 day.

[0075] 204. Based on the amount of the transaction, the bank's escrow account generates a transaction detail statement for the transaction amount.

[0076] 205. The fund supervision and reconciliation service platform sends a query request to the bank's supervision account regarding the transaction details of the supervision account for this consumption amount;

[0077] 206. Upon receiving the inquiry request, the bank's regulated account sends the transaction details of the regulated account's crediting to the funds supervision and reconciliation service platform, specifying the amount of the consumption.

[0078] 207. The fund supervision and reconciliation service platform conducts a three-way reconciliation of the payment order records, consumption details, and transaction details of the supervision account for the consumption amount to determine whether the order is reconciled. If the order is determined to be reconciled, proceed to 208; if the order is determined not to be reconciled, proceed to 211.

[0079] For example, the fund supervision and reconciliation service platform matches the transaction details, payment order records, and transaction details of funds deposited into the supervision account to determine whether the match is successful. For example, if the client's education platform corresponds to multiple bank supervision accounts, the fund supervision and reconciliation service platform can reconcile the total amount and total number of transactions deposited into the transaction details of multiple supervision accounts with all payment order records of the client's education platform on day T+1.

[0080] 208. When the result of the reconciliation process is determined to be a balance, the fund supervision reconciliation service platform generates a reconciliation detail report with no errors and sends the reconciliation detail report to the client's education platform.

[0081] 209. The client's education platform changes the corresponding order status to "transferable" and sends a transfer request for the consumption amount corresponding to the order to the fund supervision and reconciliation service platform.

[0082] 210. The fund supervision and reconciliation service platform verifies the transfer order data included in the transfer request based on the transfer request.

[0083] For example, the transfer request may include verification of the transfer order data, such as verification of order payment records and order reconciliation status; when the transfer request includes multiple transfer requests for the same order, the cumulative amount of the multiple transfer requests may be verified to ensure that the total amount exceeds the consumption amount.

[0084] 211. When the result of the reconciliation process is determined to be an unbalanced account, the fund supervision reconciliation service platform will set a time limit for the next tripartite reconciliation process.

[0085] For example, the next three-party reconciliation process will be executed 2 hours later.

[0086] 212. If the reconciliation process is completed a predetermined number of times and the results are still unbalanced, the fund supervision and reconciliation service platform will generate a reconciliation error record and send a warning message.

[0087] For example, if the accounts are found to be unbalanced after three reconciliation processes, the fund supervision and reconciliation service platform will generate a reconciliation error record and send alert messages such as sound and / or text to remind business personnel to conduct manual intervention and analysis.

[0088] According to the above embodiments, through a three-party reconciliation mechanism of a fund supervision and reconciliation service platform independent of the bank's supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank's supervision account are reconciled to ensure that the flow of funds is clear and traceable. This ensures that the funds deposited into the supervision account are orderly, verifiable, and complete, corresponding to each order, thus guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring consumption funds to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications: three-party reconciliation and verification of the transferred order data, thereby further guaranteeing the safety of consumers' funds for each order.

[0089] The above specific applications are merely examples; other implementation methods will not be described in detail.

[0090] This application also provides a fund monitoring device based on consumer orders, as described in the following embodiments. Since the principle behind the problem solved by the fund monitoring device based on consumer orders is similar to that of the fund monitoring method based on consumer orders, the implementation of the fund monitoring device based on consumer orders can refer to the implementation of the fund monitoring method based on consumer orders; repeated details will not be elaborated further.

[0091] Figure 3 This is a schematic diagram of a fund monitoring device according to an embodiment of this application. Figure 3As shown, the funds monitoring device 300 may include: a first receiving unit 301, a second receiving unit 302, an acquisition unit 303, a reconciliation unit 304, a sending unit 305, a verification unit 306, and a transfer unit 307. The first receiving unit 301 receives payment order records from the client platform regarding consumer spending on the client platform. These payment order records are generated when a consumer transfers the amount of a purchase made on the client platform to a third-party payment platform. The second receiving unit 302 receives consumption details from the third-party payment platform regarding the consumption amount. The acquisition unit 303 obtains monitoring data regarding the consumption amount from the client platform's bank supervision account. The system includes a regulated account transaction detail sheet, which is the transaction detail sheet generated by the bank's regulated account when the third-party payment platform transfers consumption amounts to the bank's regulated account at a specified time; a reconciliation unit 304 is used to reconcile payment order records, consumption details, and regulated account transaction detail sheets; a sending unit 305 is used to send a reconciliation detail sheet indicating that the reconciliation is correct to the client platform when the reconciliation process results in a balanced account; a verification unit 306 is used to verify the transfer order data included in the transfer request when receiving a transfer request for the corresponding consumption amount from the client platform; and a transfer unit 307 is used to transfer the consumption amount from the bank's regulated account to the client platform's free account when the verification is correct.

[0092] According to the above embodiments, through a three-party reconciliation mechanism of a fund supervision and reconciliation service platform independent of the bank's supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank's supervision account are reconciled to ensure that the flow of funds is clear and traceable. This ensures that the funds deposited into the supervision account are orderly, verifiable, and complete, corresponding to each order, thus guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring consumption funds to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications: three-party reconciliation and verification of the transferred order data, thereby further guaranteeing the safety of consumers' funds for each order.

[0093] Figure 4 yes Figure 3 A schematic diagram of reconciliation unit 304. (See diagram for example.) Figure 4 As shown, the reconciliation unit 304 may include a matching module 3041, wherein the matching module 3041 is used to perform detailed reconciliation of consumption details, payment order records and transaction details of the regulatory account at a specified time, and to match at least based on the consistency of transaction amount and transaction date.

[0094] In some embodiments of this application, when the transfer request includes multiple transfer requests for the same order, the verification unit 306 can also be used to verify whether the cumulative amount of the multiple transfer requests exceeds the consumption amount.

[0095] In some embodiments of this application, such as Figure 3 As shown, the fund monitoring device 300 may further include: a setting unit 308 and an error record generation unit 309, wherein the setting unit 308 is used to set the next reconciliation process to be performed at a specified time when the result of the reconciliation process is an unbalanced account; the error record generation unit 309 is used to generate a reconciliation error record and send an alarm message when the result of the reconciliation process is an unbalanced account after a predetermined number of reconciliation processes.

[0096] In some embodiments of this application, such as Figure 3 As shown, the funds monitoring device 300 may further include: a query request sending unit 310, which is used to send a query request for the transaction details of the supervisory account for the consumption amount to the bank supervisory account at a specified time.

[0097] In some embodiments of this application, when the client platform corresponds to multiple bank supervision accounts, such as Figure 4 As shown, the reconciliation unit 304 may also include: a general ledger reconciliation module 3042, which is used to reconcile the total amount and total number of transactions in the transaction details of multiple regulatory accounts with the payment order records of the client platform on the day before the specified time.

[0098] According to the above embodiments, through a three-party reconciliation mechanism of a fund supervision and reconciliation service platform independent of the bank's supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank's supervision account are reconciled to ensure that the flow of funds is clear and traceable. This ensures that the funds deposited into the supervision account are orderly, verifiable, and complete, corresponding to each order, thus guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring consumption funds to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications: three-party reconciliation and verification of the transferred order data, thereby further guaranteeing the safety of consumers' funds for each order.

[0099] This application also provides a fund monitoring system based on consumer orders, as described in the following embodiments.

[0100] Figure 5 This is a schematic diagram of the fund monitoring system according to an embodiment of this application. Figure 5As shown, the fund supervision system 500 may include: a fund supervision reconciliation service platform 501, a client platform 502, a third-party payment platform 503, and a bank supervision account 504. The fund supervision reconciliation service platform 501 may include the aforementioned fund supervision device 300. The client platform 502 is used to send payment order records generated when a consumer transfers the consumption amount to the third-party payment platform 503 after making a purchase on the client platform 502 to the fund supervision device 300. Upon receiving a reconciliation details statement from the fund supervision reconciliation service platform 501 indicating that the reconciliation is correct, the client platform 502 sends a transfer request for the corresponding consumption amount to the fund supervision device 300. The third-party payment platform 503 is used to send consumption details regarding the consumption amount transferred from the client platform 502 to the fund supervision device 300 upon receiving the consumption amount, and is also used to transfer the consumption amount to the bank supervision account 504 at a specified time. The bank supervision account 504 is used to send the transaction details of the supervision account for the consumption amount generated upon receiving the consumption amount to the fund supervision device 300.

[0101] Since the principle of the fund monitoring device 300 included in the consumer order-based fund monitoring system 500 is similar to that of the consumer order-based fund monitoring method, the implementation of the fund monitoring device 300 in the consumer order-based fund monitoring system can be found in the implementation of the consumer order-based fund monitoring method, and the repetition will not be repeated.

[0102] According to the above embodiments, through a three-party reconciliation mechanism of a fund supervision and reconciliation service platform independent of the bank's supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank's supervision account are reconciled to ensure that the flow of funds is clear and traceable. This ensures that the funds deposited into the supervision account are orderly, verifiable, and complete, corresponding to each order, thus guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring consumption funds to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications: three-party reconciliation and verification of the transferred order data, thereby further guaranteeing the safety of consumers' funds for each order.

[0103] This application also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the above-described method for monitoring funds based on consumer orders.

[0104] This application also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the above-described fund monitoring method based on consumer orders.

[0105] This application also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described fund monitoring method based on consumer orders.

[0106] According to the above embodiments, through a three-party reconciliation mechanism of a fund supervision and reconciliation service platform independent of the bank's supervision account, the order payment records of the customer's platform, the consumption details recorded by the third-party payment platform, and the transaction details of the bank's supervision account are reconciled to ensure that the flow of funds is clear and traceable. This ensures that the funds deposited into the supervision account are orderly, verifiable, and complete, corresponding to each order, thus guaranteeing the safety of consumers' transaction funds. Furthermore, during the process of transferring consumption funds to the customer's platform's free account, the fund supervision and reconciliation service platform needs to conduct at least two verifications: three-party reconciliation and verification of the transferred order data, thereby further guaranteeing the safety of consumers' funds for each order.

[0107] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0108] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0109] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0110] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0111] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of this application. It should be understood that the above descriptions are merely specific embodiments of this application and are not intended to limit the scope of protection of this application. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of protection of this application.

Claims

1. A fund supervision method based on consumer orders, applied to a fund supervision and reconciliation service platform, characterized in that, The method includes: Receive payment order records sent by the client platform regarding the consumer's consumption on the client platform. The payment order records are generated when the consumer transfers the consumption amount for that consumption to a third-party payment platform after making a purchase on the client platform. Receive the consumption details regarding the consumption amount sent by the third-party payment platform; Obtain the transaction details of the supervisory account for the consumption amount sent by the bank supervisory account of the client platform. The transaction details of the supervisory account are the transaction details generated by the bank supervisory account when the third-party payment platform transfers the consumption amount to the bank supervisory account at a specified time. The payment order records, consumption details, and transaction details credited to the supervisory account are reconciled. When the reconciliation process results in a balanced account, a detailed reconciliation statement indicating that the reconciliation is correct will be sent to the client's platform. Upon receiving a transfer request corresponding to the consumption amount sent by the customer's platform, the transfer order data included in the transfer request is verified. Once the verification is successful, the consumption amount will be transferred from the bank's supervisory account to the customer's free account on the platform.

2. The fund supervision method according to claim 1, wherein, The reconciliation process of the payment order records, the consumption details, and the transaction details credited to the supervisory account includes: At the specified time, the consumption details, the payment order records, and the transaction details credited to the regulatory account will be reconciled in detail, with matching based at least on the consistency of transaction amount and transaction date.

3. The fund supervision method according to claim 1, wherein, When the transfer request includes multiple transfer requests for the same order, verify whether the cumulative amount of the multiple transfer requests exceeds the consumption amount.

4. The fund supervision method according to claim 1, wherein, After the reconciliation process is completed, the fund supervision method further includes: If the reconciliation process results in an unbalanced account, the next reconciliation process is scheduled to be performed at a specified time. If the reconciliation process is performed a predetermined number of times and the result is still unbalanced, a reconciliation error record is generated and an alarm message is sent.

5. The fund supervision method according to claim 1, wherein, Before obtaining the transaction details of the supervisory account for the consumption amount sent by the bank's supervisory account on the client's platform, the fund supervision method further includes: At the specified time, a query request for the transaction details of the transaction amount credited to the bank's supervisory account is sent to the bank's supervisory account.

6. The fund supervision method according to claim 2, wherein, In cases where the client platform corresponds to multiple bank supervision accounts, the reconciliation process of the payment order records, the consumption details, and the transaction details credited to the supervision accounts further includes: At the specified time, the total amount and number of transactions in the transaction details of the multiple regulated accounts will be reconciled with all payment order records of the client platform on the day preceding the specified time.

7. A fund monitoring device based on consumer orders, applied to a fund monitoring and reconciliation service platform, characterized in that, The device includes: The first receiving unit is used to receive payment order records sent by the customer's platform regarding the consumer's consumption on the customer's platform. The payment order records are order records generated when the consumer transfers the consumption amount for that consumption to a third-party payment platform after making a purchase on the customer's platform. The second receiving unit is used to receive the consumption details regarding the consumption amount sent by the third-party payment platform; The acquisition unit is used to acquire the transaction details of the supervisory account for the consumption amount sent by the bank supervisory account of the customer platform. The transaction details of the supervisory account are the transaction details generated by the bank supervisory account when the third-party payment platform transfers the consumption amount to the bank supervisory account at a specified time. The reconciliation unit is used to reconcile the payment order records, the consumption details, and the transaction details credited to the supervisory account. The sending unit is used to send a reconciliation details sheet indicating that the reconciliation is correct to the customer platform when the result of the reconciliation process is that the accounts are balanced. The verification unit is used to verify the transfer order data included in the transfer request when it receives a transfer request corresponding to the consumption amount sent by the customer platform. The transfer unit is used to transfer the consumption amount from the bank supervision account to the customer's free account when the verification is correct.

8. The fund monitoring device according to claim 7, wherein, The reconciliation unit includes: The matching module is used to perform detailed reconciliation of the consumption details, the payment order records, and the transaction details credited to the regulatory account at the specified time, and to match them based at least on the consistency of the transaction amount and the transaction date.

9. The fund monitoring device according to claim 7, wherein, When the transfer request includes multiple transfer requests for the same order, the verification unit is also used to verify whether the cumulative amount of the multiple transfer requests exceeds the consumption amount.

10. The fund monitoring device according to claim 7, wherein, The fund monitoring device also includes: A setting unit is configured to set the next reconciliation process to be executed at a specified time when the result of the reconciliation process is an unbalanced account. An error record generation unit is used to generate a reconciliation error record and send an alarm message when the reconciliation process has been performed a predetermined number of times and the result is still unbalanced.

11. The fund monitoring device according to claim 7, wherein, The fund monitoring device also includes: A query request sending unit is configured to send a query request regarding the transaction details of the supervisory account for the consumption amount to the bank supervisory account at the specified time.

12. The fund monitoring device according to claim 8, wherein, In cases where the client platform corresponds to multiple bank-supervised accounts, the reconciliation unit further includes: The general ledger reconciliation module is used to reconcile the total amount and total number of transactions in the transaction details of multiple regulatory accounts with all payment order records of the client platform on the day before the specified time at the specified time.

13. A fund monitoring system based on consumer orders, characterized in that, The fund monitoring system includes: A fund supervision and reconciliation service platform, wherein the fund supervision and reconciliation service platform includes the fund supervision device as described in any one of claims 7 to 12; The customer-side platform is used to send the payment order records generated when consumers make purchases on the customer-side platform and transfer the consumption amount to a third-party payment platform to the fund supervision device, and when it receives a reconciliation detail statement indicating that the reconciliation is correct from the fund supervision reconciliation service platform, it sends a transfer request corresponding to the consumption amount to the fund supervision reconciliation service platform. The third-party payment platform is used to send the consumption details of the consumption amount to the fund supervision device when it receives the consumption amount transferred by the customer platform, and is used to transfer the consumption amount to the bank supervision account at a specified time. The bank supervision account is used to send the transaction details of the supervision account for the consumption amount generated when the consumption amount is received to the fund supervision device.

14. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method according to any one of claims 1 to 6.

15. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

16. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

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