Fund processing

Abstract

Provided in the embodiments of the present disclosure are a fund processing method and apparatus. The fund processing method comprises: receiving an access request for a fund transfer-in identifier which is sent by a member terminal of an institution member; generating a fund transfer-in identifier of the institution member on the basis of member information of the institution member, and returning the fund transfer-in identifier to the member terminal; after a fund transfer-out party transfers a fund out by means of scanning the fund transfer-in identifier, transferring a transferred-out target fund into an institution account configured for an institution payment service; and creating a transfer-in record of the target fund, and associating the transfer-in record with the member identifier of the institution member.

Description

Funds processing Technical Field

[0001] The present disclosure relates to the field of data processing technology, and in particular to a method and device for fund processing. Background Art

[0002] With the development of Internet technology, computers and the Internet have become an important part of users' lives and have gradually penetrated into every corner of life. As a result, more and more online services have emerged. For example, online platforms have launched service projects for enterprises. Enterprises can distribute payment codes to their employees through online platforms. After displaying the payment code, employees can receive payments, and the collected fees are directly transferred to the company account. In this process, how to better meet the needs of employees and improve resource management efficiency has become a focus of increasing attention for enterprises. Summary of the Invention

[0003] One or more embodiments of the present disclosure provide a funds processing method, which is applied to a server, and the method includes: receiving an access request for a funds transfer identification sent by a member terminal of an institution member, and submitting the access request through a funds transfer interface of an institution payment service; generating a funds transfer identification of the institution member based on the member information of the institution member, and returning it to the member terminal; after the funds transferor transfers funds by scanning the funds transfer identification, transferring the target funds to the institution account configured by the institution payment service; creating a transfer-in record of the target funds, and associating the transfer-in record with the member identification of the institution member.

[0004] One or more embodiments of the present disclosure provide another fund processing method, which is applied to a member terminal, and the method includes: generating an access request for a fund transfer identifier and sending it to a server based on an access instruction of an institutional member to a fund transfer interface of an institutional payment service; receiving and displaying the fund transfer identifier returned by the server, wherein the fund transfer identifier is generated based on the member information of the institutional member; after the fund transferor scans the fund transfer identifier to transfer the funds out, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0005] One or more embodiments of the present disclosure provide a fund processing device that runs on a server, and the device includes: a request receiving module, configured to receive an access request for a fund transfer identification sent by a member terminal of an institution member, and the access request is submitted through a fund transfer interface of an institution payment service; an identification return module, configured to generate a fund transfer identification of the institution member based on the member information of the institution member, and return it to the member terminal; after the fund transferor transfers funds by scanning the fund transfer identification, the fund transfer module is run, and the fund transfer module is configured to transfer the target funds to the institution account configured for the institution payment service; a record association module, configured to create a transfer record of the target funds, and associate the transfer record with the member identification of the institution member.

[0006] One or more embodiments of the present disclosure provide another fund processing device, which runs on a member terminal, and the device includes: a request sending module, which is configured to generate an access request for a fund transfer identifier and send it to a server based on an access instruction of an institutional member to a fund transfer interface of an institutional payment service; an identifier receiving module, which is configured to receive and display the fund transfer identifier returned by the server, wherein the fund transfer identifier is generated based on the member information of the institutional member; after the fund transferor scans the fund transfer identifier to transfer the funds, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0007] One or more embodiments of the present disclosure provide a server, comprising: a processor; and a memory configured to store computer-executable instructions, wherein the computer-executable instructions, when executed, cause the processor to: receive an access request for a funds transfer identification sent by a member terminal of an institution member, wherein the access request is submitted through a funds transfer interface of an institution payment service; generate a funds transfer identification of the institution member based on the member information of the institution member, and return the generated funds to the member terminal; after the funds transferor transfers funds by scanning the funds transfer identification, transfer the target funds to the institution account configured for the institution payment service; create a transfer-in record of the target funds, and associate the transfer-in record with the member identification of the institution member.

[0008] One or more embodiments of the present disclosure provide a member terminal, comprising: a processor; and a memory configured to store computer-executable instructions, wherein the computer-executable instructions, when executed, cause the processor to: generate an access request for a funds transfer identifier and send it to a server based on an access instruction of an institutional member to a funds transfer interface of an institutional payment service; receive and display the funds transfer identifier returned by the server, wherein the funds transfer identifier is generated based on the member information of the institutional member; after the funds transferor scans the funds transfer identifier to transfer funds, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0009] One or more embodiments of the present disclosure provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: receiving an access request for a funds transfer identification sent by a member terminal of an institution member, and submitting the access request through a funds transfer interface of an institution payment service; generating a funds transfer identification of the institution member based on the member information of the institution member, and returning it to the member terminal; after the funds transferor transfers funds by scanning the funds transfer identification, transferring the target funds to the institution account configured for the institution payment service; creating a transfer-in record of the target funds, and associating the transfer-in record with the member identification of the institution member.

[0010] One or more embodiments of the present disclosure provide another computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: based on an access instruction of an institutional member to the funds transfer interface of an institutional payment service, generate an access request for a funds transfer identifier and send it to a server; receive and display the funds transfer identifier returned by the server, wherein the funds transfer identifier is generated based on the member information of the institutional member; after the funds transferor scans the funds transfer identifier to transfer funds, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] FIG1 is a schematic diagram of an implementation environment of a fund processing method provided by one or more embodiments of the present disclosure.

[0012] FIG2 is a flowchart of a fund processing method provided by one or more embodiments of the present disclosure.

[0013] FIG3 is a service page of an institutional payment service provided by one or more embodiments of the present disclosure.

[0014] FIG4 is a display page of a funds transfer identification provided by one or more embodiments of the present disclosure.

[0015] FIG5 is a display page of a service item list provided by one or more embodiments of the present disclosure.

[0016] FIG6 is a flowchart of a fund processing method applied to a travel service recommendation scenario provided by one or more embodiments of the present disclosure.

[0017] FIG7 is a flowchart of a fund processing method for face-to-face payment scenarios provided by one or more embodiments of the present disclosure.

[0018] FIG8 is a flowchart of another fund processing method provided by one or more embodiments of the present disclosure.

[0019] FIG9 is a schematic diagram of an embodiment of a fund processing device provided by one or more embodiments of the present disclosure.

[0020] FIG10 is a schematic diagram of another embodiment of a fund processing device provided by one or more embodiments of the present disclosure.

[0021] FIG11 is a schematic diagram of the structure of a server provided by one or more embodiments of the present disclosure.

[0022] FIG12 is a schematic structural diagram of a member terminal provided by one or more embodiments of the present disclosure. DETAILED DESCRIPTION

[0023] In order to help users in this technical field better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below in conjunction with the drawings in one or more embodiments of the present disclosure. Obviously, the described embodiments are only part of the embodiments of the present disclosure, not all of the embodiments. Based on one or more embodiments of the present disclosure, all other embodiments obtained by users of ordinary skill in the art without making any creative efforts should fall within the scope of protection of this document.

[0024] The fund processing method provided in one or more embodiments of this embodiment can be applied to the implementation environment of fund processing. Referring to Figure 1, the implementation environment at least includes: a server 101, a member terminal 102 of an institutional member, and a service item library 103.

[0025] The server 101 may be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. The server 101 may generate a funds transfer identifier for an institution member, transfer the target funds transferred by the fund transferor to the institution account, and create a transfer record of the target funds.

[0026] Member terminal 102 may be an institution member terminal, a smartphone, a tablet, an e-book reader, a wearable device, a smartwatch, or a device that enables information exchange and image capture based on AR (Augmented Reality) or VR (Virtual Reality). Member terminal 102 may display a funds transfer identifier; in addition, member terminal 102 may also run an institution payment service, which may take the form of an application, a subroutine within an application, a service module within an application, or a web application.

[0027] The service item library 103 can store the service items of each member of the organization.

[0028] In this implementation environment, the institutional member submits an access request for the funds transfer identifier through the funds transfer interface of the institutional payment service running on the member terminal 102. After receiving the access request, the server 101 generates the institutional member's funds transfer identifier based on the institutional member's member information and returns it to the member terminal 102. After the funds transferor transfers funds by scanning the funds transfer identifier, the server 101 transfers the target funds to the institutional account configured by the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0029] One or more embodiments of a fund processing method provided by the present disclosure are as follows.

[0030] 2 , the fund processing method provided in this embodiment can be applied to a server, and specifically includes steps S202 to S208 .

[0031] Step S202: receiving an access request for a funds transfer identifier sent by a member terminal of an institution member.

[0032] In this embodiment, the organization includes various forms of organizations such as enterprises, institutions, social groups, etc. In addition, the organization includes not only the organization at the same level, but also the internal organization of the organization, such as the enterprise department or branch. The organization members include the organization staff and related personnel.

[0033] The "funds transfer indicia" refers to a code set by an organization to receive payments from its members. This code uniquely identifies the organization member and can be in the form of a QR code, barcode, audio code, or other identifier. Members can receive payments by displaying this code to the fund transferor. For example, a tour guide at a travel agency might display a funds transfer indicia and have tourists scan it to collect funds from tourists who purchase goods or services.

[0034] The funds transfer identifier is bound to an institutional account, which includes a financial account opened by the institution on the payment platform. Alternatively, the institutional account may be a financial account opened at another financial institution. The institutional account can be used to receive target funds transferred by the fund transferor and to pay for pending orders from institutional members.

[0035] The institutional payment service refers to a payment service provided to institutional members, such as an institutional code service. The institutional payment service can be a sub-application running on a third-party application, including an application corresponding to a payment platform. Alternatively, the institutional payment service can be a standalone application running on a terminal device. The institutional payment service is configured with an inbound funds transfer interface, which can be triggered by institutional members to submit a request for access to the inbound funds transfer identifier.

[0036] In actual applications, the institution needs to activate the institutional payment service in advance to open access rights to the funds transfer identifier to the institutional members. In an optional implementation provided by this embodiment, the institutional payment service is activated in the following manner: obtain the activation request for the institutional payment service submitted by the user, and authenticate the user based on the user information carried in the activation request; after the authentication is passed, determine the target account based on the account information carried in the activation request, and use the target account as the institutional account of the institutional payment service.

[0037] Among them, the user can be the owner of an institution. The owner of an institution can submit an activation request for the institutional payment service to the payment platform. The activation request carries the information of the institution owner and the account information. After the user is authenticated based on the information of the institution owner, the target account is determined based on the account information, and the target account is used as the institutional account of the institutional payment service. After the institutional payment service is activated, the institution becomes the certification agency of the institutional payment service, and the institutional members become certified members of the institutional payment service.

[0038] During the specific implementation process, after the institution opens the institutional payment service, the institution members can access the institutional payment service and enter the institution code page, and submit an access instruction for the funds transfer identifier by triggering the funds transfer interface configured on the institution code page. The member terminal generates an access request for the funds transfer identifier based on the access instruction and sends it to the server. The server receives the access request for the funds transfer identifier sent by the member terminal of the institution member.

[0039] For example, as shown in the service page of the institutional payment service shown in Figure 3, the enterprise employee enters the display page of the fund transfer logo as shown in Figure 4 by clicking the fund transfer interface in the service page, and the enterprise employee enters the display page of the service item list as shown in Figure 5 by clicking the item configuration interface in the display page.

[0040] During the specific implementation process, in order to improve data security and ensure that institutional members have access rights to the funds transfer identification, after receiving the institutional member's access request for the funds transfer identification sent by the member terminal, it is possible to determine whether to return the funds transfer identification to the institutional terminal by detecting whether the institution to which the institutional member belongs is an authentication institution for the institutional payment service. In an optional implementation provided by this embodiment, the institution is authenticated and detected in the following manner: based on the member information, the institution to which the institutional member belongs is determined, and whether the institution is an authentication institution for the institutional payment service; if so, the step of generating the funds transfer identification of the institutional member based on the member information of the institutional member and returning it to the member terminal is executed; if not, an authentication reminder is returned to the institutional terminal, or no processing is performed.

[0041] In addition, it is also possible to determine whether to return a funds transfer identifier to the institutional terminal by detecting whether the institutional member is an authenticated member of the institutional payment service. In another optional implementation provided by this embodiment, the institutional member is authenticated and detected in the following manner: based on the member information, detect whether the institutional member is an authenticated member of the institutional payment service; if so, execute the step of generating the institutional member's funds transfer identifier based on the member information of the institutional member and returning it to the member terminal; if so, return an authentication reminder to the institutional terminal, or do nothing.

[0042] Step S204: Generate a fund transfer identifier of the institutional member based on the member information of the institutional member, and return it to the member terminal.

[0043] After the institution member submits an access request via the funds transfer interface of the institution payment service via the receiving member terminal, in this step, a funds transfer identifier for the institution member is generated based on the institution member's member information and returned to the member terminal. The institution member's member information can be obtained by parsing the access request or by querying the member information corresponding to the member identifier carried in the access request, although this embodiment is not limited thereto. The member information includes at least one of the following: a member identity identifier, a communication identifier, and an employee identifier.

[0044] Optionally, the funds transfer identifier is configured in a display page to be returned to the member terminal, that is: the funds transfer identifier of the institutional member is generated based on the member information of the institutional member, and the funds transfer identifier is configured in a display page to be returned to the member terminal.

[0045] In actual applications, an organization member may be the person in charge of multiple service projects of the organization at the same time. For example, a tour guide of a travel company may lead multiple tour groups at the same time. In this case, if the source of the funds collected by the organization member based on the fund transfer identifier is not distinguished, that is, if the service project from which the funds are collected is distinguished, it will cause difficulties in subsequent accounting. Therefore, the service item list of the organization member can be obtained by configuring the item configuration interface in the display page and sent to the member terminal to determine the target service item for collection. In an optional implementation provided by this embodiment, the service item list of the organization member is obtained in the following manner: receiving the item configuration request sent by the member terminal; querying the service item list of the organization member in the service item library of the organization to which the organization member belongs, and sending the service item list to the member terminal.

[0046] Optionally, the matter configuration request is sent after the institutional member triggers the matter configuration interface contained in the display page of the funds transfer identifier. After the service receives the matter configuration request sent by the member terminal, the service matter list of the institutional member is queried in the service matter library of the institution to which the institutional member belongs, and the service matter list is sent to the member terminal.

[0047] The service item library stores a service item list of each organization member. The service item list may contain one or more service items, which is not limited in this embodiment.

[0048] In addition, the above-mentioned sub-step of querying the service item list of the institutional member in the service item library of the institution to which the institutional member belongs and sending the service item list to the member terminal can also be replaced by: querying the service item list of the institutional member and sending the service item list to the member terminal.

[0049] Furthermore, after sending the service item list to the member terminal, in order to make the source of payment clearer, the item details of the target service item currently selected by the institutional member in the service item list can be obtained from the institutional member, so as to distinguish the source of payment based on the item details. In an optional implementation provided by this embodiment, the item details of the target service item are obtained in the following manner: receiving the selection instruction of the target service item in the service item list returned by the member terminal from the institutional member; generating an item details page for the target service item and sending it to the member terminal, and receiving the item details for the target service item returned by the member terminal.

[0050] For example, after returning a display page containing a funds transfer identifier and an item configuration interface to the member terminal, the member terminal receives the trigger instruction of the institution member for the item configuration interface and sends an item configuration request to the server. The server queries the service item list of the institution member in the service item library of the institution to which the institution member belongs, and sends the service item list to the member terminal. The member terminal displays the service item list, obtains the selection instruction of the institution member for the target service item in the service item list and returns it to the server. The server generates an item details page of the target service item according to the selection instruction and sends it to the member terminal, and receives the item details for the target service item returned by the member terminal.

[0051] It should be noted that the above-mentioned process of returning the service item list to the member terminal and receiving the selection instruction of the institutional member for the target service item in the service item list returned by the member terminal, as well as the process of generating the item details page of the target service item can exist independently and constitute a new implementation method with the other processing steps provided in this embodiment. For example, receiving the item configuration request sent by the member terminal, querying the service item list of the institutional member in the service item library of the institution to which the institutional member belongs, and sending the service item list to the member terminal, receiving the selection instruction of the institutional member for the target service item in the service item list returned by the member terminal, so as to create the transfer-in record of the target funds based on the target service item; for another example: receiving the item configuration request sent by the member terminal, generating the item details page for the target service item and sending it to the member terminal, and receiving the item details for the target service item returned by the member terminal, so as to create the transfer-in record of the target funds based on the item details.

[0052] In actual applications, in order to improve the efficiency of collecting payments by institutional members based on resource transfer-in identifiers, the configured amount entered by institutional members can also be obtained by configuring the amount configuration interface in the display page of the resource transfer-in identifier. The configured amount represents the amount that the institutional member wants to collect. In this way, the resource transferor does not need to repeatedly enter the transfer amount when scanning the fund transfer-in identifier to transfer funds, and can directly transfer funds according to the configured amount, thereby improving the transfer efficiency. In an implementation method provided in this embodiment, the amount is configured in the following manner: receiving the configured amount sent by the member terminal; and writing the configured amount into the identification information of the fund transfer-in identifier.

[0053] Optionally, the configured amount is sent by the institution member through an amount configuration interface included in a display page that triggers the fund transfer identifier.

[0054] The above provides a method for configuring an item configuration interface in the display page of the funds transfer identifier to perform item configuration. In addition, the item configuration process may also occur before the funds transfer identifier of the institutional member is generated based on the member information of the institutional member and the step of returning it to the member terminal is executed. Specifically, after the access request step of the funds transfer identifier sent by the member terminal of the institutional member is received, the service item list of the institutional member is determined and sent to the member terminal, and the selection instruction of the target service item in the service item list by the institutional member is received. In an optional implementation manner provided by this embodiment, the service item list of the institutional member is obtained in the following manner: determine the service item library of the institution to which the institutional member belongs, query the service item list of the institutional member in the service item library based on the member identifier of the institutional member and send it to the member terminal; receive the selection instruction of the target service item in the service item list returned by the member terminal; generate an item details interface for the target service item, so as to configure the item details interface in the display page of the funds transfer identifier and return it to the member terminal.

[0055] Specifically, after receiving the access request for the funds transfer identification sent by the member terminal of the institution member, the service item library of the institution to which the institution member belongs is determined, and the service item list of the institution member is queried in the service item library based on the member identification of the institution member and sent to the member terminal. The selection instruction of the target service item in the service item list returned by the member terminal is received, and an item details interface for the target service item is generated, so that the item details interface is configured in the display page of the funds transfer identification and returned to the member terminal.

[0056] Furthermore, after generating an item details interface for the target service item and configuring the item details interface in the display page of the funds transfer identifier to return the step to the member terminal, it also includes: receiving the item details for the target service item returned by the member terminal. Optionally, the item details are sent after the institutional member triggers the item details interface.

[0057] It should be noted that step S204, generating the fund transfer identifier of the institutional member based on the member information of the institutional member and returning it to the member terminal, can also be replaced by: generating the fund transfer identifier of the institutional member based on the member information of the institutional member, configuring the matter configuration interface and the fund transfer identifier in the display page and returning it to the member terminal.

[0058] Step S206: After the fund transferor transfers funds out by scanning the fund transfer identifier, the target funds are transferred into the institutional account configured by the institutional payment service.

[0059] After the above-mentioned fund transfer identification of the institutional member is generated based on the member information of the institutional member and returned to the member terminal, the member terminal displays the fund transfer identification for the fund transferor to scan. After the fund transferor scans the fund transfer identification to transfer the funds out, the target funds to be transferred are injected into the institutional account configured for the institutional payment service.

[0060] During the specific implementation process, after the above-mentioned institutional members configure the amount through the amount configuration interface in the display page of the funds transfer-in identifier and write the configured amount into the identification information of the funds transfer-in identifier, in an optional implementation manner provided by this embodiment, after the funds transferor scans the funds transfer-in identifier, the target funds are transferred out in the following manner: the funds transfer-in identifier is parsed to obtain the identification information of the funds transfer-in identifier; the configured amount contained in the identification information is extracted, and the configured funds corresponding to the configured amount are transferred out as the target funds.

[0061] Specifically, after the above-mentioned institutional members configure the amount through the amount configuration interface in the display page of the funds transfer-in identifier and write the configured amount into the identification information of the funds transfer-in identifier, the funds transferor scans the funds transfer-in identifier, parses the funds transfer-in identifier, obtains the identification information of the funds transfer-in identifier, extracts the configured amount contained in the identification information, and transfers the configured funds corresponding to the configured amount as the target funds, and transfers the transferred target funds into the institutional account configured for the institutional payment service.

[0062] For example, when the configuration amount entered by an institutional member on the display page of the funds transfer logo is x yuan, the funds transferor scans the funds transfer logo and parses the funds transfer logo to obtain the configuration amount of x yuan, that is, x yuan is transferred to the institutional account.

[0063] Step S208: creating a transfer-in record of the target funds, and associating the transfer-in record with the member identification of the institution member.

[0064] After the target funds transferred by the transferor are transferred to the institutional account configured for the institutional payment service, in this step, a transfer-in record of the target funds is created, and the transfer-in record is associated with the member identification of the institutional member. Specifically, in the case of the matter details for the target service matter returned by the above-mentioned receiving member terminal, a transfer-in record of the target funds can be created based on the matter details to improve the management efficiency of the transferred funds in the institutional account. In an optional implementation manner provided by this embodiment, the transfer-in record of the target funds is created in the following manner: the transfer-in record of the target funds is created based on the matter details and the transferor identification of the funds transferor.

[0065] In actual applications, there are scenarios where an institution calculates the performance of its members based on the funds collected by the members. However, since the funds collected by the members based on the fund transfer identification are all transferred to the institution account, it is difficult to determine the total collected funds of each member of the institution. To this end, by associating the transfer record of the target funds with the institution member, each transfer of funds into the institution account is distinguished, thereby improving the efficiency of fund management. In an optional implementation provided by this embodiment, the transfer record is associated with the member identification of the institution member in the following manner: the member identification of the institution member is used as a marking label, the transfer record is marked, and a marked transfer record is obtained.

[0066] During the specific execution process, after creating a transfer record of the target funds and associating the transfer record with the member identification of the institutional member, it also includes: sending the marked transfer record to the institutional system of the institution to which the institutional member belongs, so as to verify the transferred funds of the institutional account based on the marked transfer record.

[0067] Specifically, the institutional system may be an institution's fund management system, which sends the marked transfer record to the institutional system of the institution to which the institutional member belongs, so that the institution can verify the transferred funds of the institutional account based on the marked transfer record.

[0068] To sum up, the funds processing method provided in this embodiment, after receiving the access request for the funds transfer identification sent by the member terminal of the institution member, generates the funds transfer identification of the institution member based on the member information of the institution member, and returns it to the member terminal. After the funds transferor transfers out the funds by scanning the funds transfer identification, the target funds are transferred to the institution account configured by the institution payment service, a transfer record of the target funds is created, and the transfer record is associated with the member identification of the institution member, so that the institution's funds transfer process is more efficient and the institution's funds management efficiency is improved.

[0069] The fund processing method provided in this embodiment can be applied to the server, and the fund processing method provided in the following embodiments can be applied to the member terminal. The two cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding content of the following method embodiments. Correspondingly, when reading the following method embodiments, please refer to the corresponding content of this embodiment.

[0070] The following takes the application of a fund processing method provided by this embodiment in a tourism service recommendation scenario as an example, and combines Figure 6 to further illustrate the fund processing method provided by this embodiment. Referring to Figure 6, the fund processing method applied to the tourism service recommendation scenario specifically includes the following steps.

[0071] Step S604: receiving an access request for a funds transfer identifier sent by a member terminal of an institution member.

[0072] Optionally, the access request is submitted through the fund transfer interface of the institutional payment service.

[0073] Step S606: Generate a fund transfer identifier for the institution member based on the member information of the institution member, and return a display page containing the fund transfer identifier to the member terminal.

[0074] Optionally, agency members include tour guides; agencies include travel service agencies.

[0075] Step S612: Write the configured amount into the identification information of the funds transfer identifier.

[0076] Step S616: Determine the service item list of the organization members and send it to the member terminals.

[0077] Step S620: Generate an item details page for the target service item and send it to the member terminal, and receive the item details for the target service item returned by the member terminal.

[0078] Step S622: After the fund transferor transfers funds by scanning the fund transfer identifier, the target funds are transferred to the institutional account configured by the institutional payment service.

[0079] Optionally, after the fund transferor scans the fund transfer-in identifier, the target funds are transferred out in the following manner: the fund transfer-in identifier is parsed to obtain the identification information of the fund transfer-in identifier; the configuration amount contained in the identification information is extracted, and the configuration funds corresponding to the configuration amount are transferred out as the target funds.

[0080] Step S624: Create a transfer-in record of the target funds based on the transaction details and the fund transferor ID of the fund transferor, and associate the transfer-in record with the member ID of the institution member.

[0081] The above steps S604 to S606, S612, S616, 620 to S624 provided in this embodiment are executed by the server. It should be noted that the processing procedures of the above steps S604 to S606, S612, S616, 620 to S624 executed by the server and the processing procedures of steps S602, S608 to S610, S614, and S618 executed by the institutional terminal in the following embodiment can cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding contents of steps S602, S608 to S610, S614, and S618 provided in the following method embodiment.

[0082] The following takes the application of a fund processing method provided by this embodiment in a face-to-face payment scenario as an example, and combines Figure 7 to further illustrate the fund processing method provided by this embodiment. Referring to Figure 7, the fund processing method applied to the face-to-face payment scenario specifically includes the following steps.

[0083] Step S704: receiving an access request for a funds transfer identifier sent by a member terminal of an institution member.

[0084] Optionally, the access request is submitted through the fund transfer interface of the institutional payment service.

[0085] Step S706: Determine the service item list of the organization members and send it to the member terminals.

[0086] Step S710: Generate an item details interface for the target service item, generate a fund transfer identifier for the institution member based on the member information of the institution member, and configure the item details interface and the fund transfer identifier on a display page and return them to the member terminal.

[0087] Step S714: Write the configured amount into the identification information of the funds transfer identifier.

[0088] Step S716: After the fund transferor transfers funds by scanning the fund transfer identifier, the target funds are transferred to the institutional account configured by the institutional payment service.

[0089] Optionally, after the fund transferor scans the fund transfer-in identifier, the target funds are transferred out in the following manner: the fund transfer-in identifier is parsed to obtain the identification information of the fund transfer-in identifier; the configuration amount contained in the identification information is extracted, and the configuration funds corresponding to the configuration amount are transferred out as the target funds.

[0090] Step S718: Create a transfer-in record of the target funds based on the transaction details and the fund transferor ID of the fund transferor, and associate the transfer-in record with the member ID of the institution member.

[0091] The above steps S704 to S706, step S710, and step 714 to S718 provided in this embodiment are executed by the server. It should be noted that the processing procedures of the server executing the above steps S704 to S706, step S710, and step 714 to S718 and the processing procedures of step S702, step S708, and step S712 executed by the institutional terminal in the following embodiment can cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding contents of step S702, step S708, and step S712 provided in the following method embodiment.

[0092] One or more embodiments of another fund processing method provided by the present disclosure are as follows.

[0093] 8 , the fund processing method provided in this embodiment specifically includes steps S802 to S804 .

[0094] Step S802: Generate an access request for the funds transfer identifier based on the institution member's access instruction to the funds transfer interface of the institution payment service and send it to the server.

[0095] The fund processing method provided in this embodiment can be applied to the server, and the fund processing method provided in the following embodiments can be applied to the member terminal. The two cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding content of the following method embodiments. Correspondingly, when reading the following method embodiments, please refer to the corresponding content of this embodiment.

[0096] In this embodiment, the organization includes various forms of organizations such as enterprises, institutions, social groups, etc. In addition, the organization includes not only the organization at the same level, but also the internal organization of the organization, such as the enterprise department or branch. The organization members include the organization staff and related personnel.

[0097] The "funds transfer indicia" refers to a code set by an organization to receive payments from its members. This code uniquely identifies the organization member and can be in the form of a QR code, barcode, audio code, or other identifier. Members can receive payments by displaying this code to the fund transferor. For example, a tour guide at a travel agency might display a funds transfer indicia and have tourists scan it to collect funds from tourists who purchase goods or services.

[0098] The funds transfer identifier is bound to an institutional account, which includes a financial account opened by the institution on the payment platform. Alternatively, the institutional account may be a financial account opened at another financial institution. The institutional account can be used to receive target funds transferred by the fund transferor and to pay for pending orders from institutional members.

[0099] The institutional payment service refers to a payment service provided to institutional members, such as an institutional code service. The institutional payment service can be a sub-application running on a third-party application, including an application corresponding to a payment platform. Alternatively, the institutional payment service can be a standalone application running on a terminal device. The institutional payment service is configured with an inbound funds transfer interface, which can be triggered by institutional members to submit a request for access to the inbound funds transfer identifier.

[0100] In actual applications, the institution needs to activate the institutional payment service in advance to open access rights to the funds transfer identifier to the institutional members. In an optional implementation provided by this embodiment, the institutional payment service is activated in the following manner: obtain the activation request for the institutional payment service submitted by the user, and authenticate the user based on the user information carried in the activation request; after the authentication is passed, determine the target account based on the account information carried in the activation request, and use the target account as the institutional account of the institutional payment service.

[0101] Among them, the user can be the owner of an institution. The owner of an institution can submit an activation request for the institutional payment service to the payment platform. The activation request carries the information of the institution owner and the account information. After the user is authenticated based on the information of the institution owner, the target account is determined based on the account information, and the target account is used as the institutional account of the institutional payment service. After the institutional payment service is activated, the institution becomes the certification agency of the institutional payment service, and the institutional members become certified members of the institutional payment service.

[0102] During the specific implementation process, after the institution opens the institutional payment service, the institution members can access the institutional payment service and enter the institution code page, and submit an access instruction for the funds transfer identifier by triggering the funds transfer interface configured on the institution code page. The member terminal generates an access request for the funds transfer identifier based on the access instruction and sends it to the server. The server receives the access request for the funds transfer identifier sent by the member terminal of the institution member.

[0103] Step S804: Receive and display the funds transfer identifier returned by the server.

[0104] Optionally, the funds transfer identifier is generated based on the member information of the institutional member. In addition, step S804 may also be replaced by: receiving and displaying a display page containing the funds transfer identifier returned by the server.

[0105] During the specific implementation process, in order to improve the efficiency of collecting payments by institutional members based on the resource transfer-in identifier, the configured amount entered by the institutional member can also be obtained by configuring the amount configuration interface in the display page of the resource transfer-in identifier. The configured amount represents the amount that the institutional member wants to collect. In this way, the resource transferor does not need to repeatedly enter the transfer amount when scanning the fund transfer-in identifier to transfer funds, and can directly transfer funds according to the configured amount, thereby improving the transfer efficiency. In an implementation method provided by this embodiment, the amount is configured in the following manner: the configured amount entered by the institutional member by triggering the amount configuration interface contained in the display page of the fund transfer-in identifier is obtained, and the configured amount is sent to the server.

[0106] In actual applications, an organization member may be the person in charge of multiple service projects of the organization at the same time. For example, a tour guide of a travel company may lead multiple tour groups at the same time. In this case, if the source of the funds collected by the organization member based on the funds transfer identifier is not distinguished, that is, if the service project from which the funds are collected is distinguished, it will cause difficulties in subsequent accounting. Therefore, the organization member's matter configuration can be obtained by configuring the matter configuration interface in the display page. In an optional implementation provided by this embodiment, the matter configuration is performed in the following manner: according to the trigger instruction of the matter configuration interface contained in the display page of the funds transfer identifier by the organization member, a matter configuration request is generated and sent to the server; the service matter list sent by the server is received and displayed, the selection instruction of the target service matter in the service matter list by the organization member is obtained and returned to the server; the matter details page for the target service matter sent by the server is received and displayed, and the matter details entered by the organization member are obtained based on the matter details page and returned to the server.

[0107] In addition, the item configuration may also occur after the execution of the access instruction step of the fund transfer interface of the institution payment service according to the institution member, and before the execution of the step of receiving the fund transfer identifier returned by the server and displaying it. In an optional implementation manner provided by this embodiment, the item configuration is performed in the following manner: receiving the service item list of the institution member sent by the server; obtaining the selection instruction of the institution member for the target service item in the service item list, and returning it to the server; receiving the display page of the fund transfer identifier configured with the item details interface returned by the server, obtaining the item details entered by the institution member by triggering the item details interface and sending it to the server.

[0108] During the specific implementation process, after the party transferring out funds scans the funds transfer identifier to transfer funds out, the server transfers the target funds into the institutional account configured by the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0109] The following takes the application of a fund processing method provided by this embodiment in a tourism service recommendation scenario as an example, and combines Figure 6 to further illustrate the fund processing method provided by this embodiment. Referring to Figure 6, the fund processing method applied to the tourism service recommendation scenario specifically includes the following steps.

[0110] Step S602: Generate an access request for the funds transfer identifier based on the institution member's access instruction to the funds transfer interface of the institution payment service and send it to the server.

[0111] Step S608: Receive and display the display page containing the funds transfer identifier returned by the server.

[0112] Step S610: Obtain the configured amount input by the organization member by triggering the amount configuration interface included in the display page, and send the configured amount to the server.

[0113] Step S614: Generate a matter configuration request and send it to the server according to the trigger instruction of the organization member on the matter configuration interface included in the display page.

[0114] Step S618: Obtain the selection instruction of the organization member for the target service item in the service item list and return it to the server.

[0115] The following takes the application of a fund processing method provided by this embodiment in a face-to-face payment scenario as an example, and combines Figure 7 to further illustrate the fund processing method provided by this embodiment. Referring to Figure 7, the fund processing method applied to the face-to-face payment scenario specifically includes the following steps.

[0116] Step S702: Generate an access request for the funds transfer identifier based on the institution member's access instruction to the funds transfer interface of the institution payment service and send it to the server.

[0117] Step S708: Obtain the selection instruction of the organization member for the target service item in the service item list and return it to the server.

[0118] Step S712: obtain the configured amount input by the organization member by triggering the amount configuration interface included in the display page, and obtain the matter details input by the organization member by triggering the matter details interface, and send the configured amount and matter details to the server.

[0119] An embodiment of a fund processing device provided by the present disclosure is as follows.

[0120] In the above embodiment, a fund processing method is provided, and correspondingly, a fund processing device is also provided, which will be described below with reference to the accompanying drawings.

[0121] 9 , which shows a schematic diagram of a fund processing device provided by this embodiment.

[0122] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0123] This embodiment provides a fund processing device, including: a request receiving module 902, configured to receive an access request for a fund transfer identifier sent by a member terminal of an institutional member, the access request being submitted through a fund transfer interface of an institutional payment service; an identifier returning module 904, configured to generate a fund transfer identifier of the institutional member based on the member information of the institutional member, and return it to the member terminal; after the fund transferor transfers funds by scanning the fund transfer identifier, the fund transfer module 906 is run, and the fund transfer module 906 is configured to transfer the target funds to the institutional account configured for the institutional payment service; a record association module 908, configured to create a transfer record of the target funds, and associate the transfer record with the member identifier of the institutional member.

[0124] Another embodiment of a funds processing device provided by the present disclosure is as follows.

[0125] In the above embodiment, another fund processing method is provided, and correspondingly, another fund processing device is also provided, which is described below with reference to the accompanying drawings.

[0126] 10 , which shows a schematic diagram of another fund processing device provided by this embodiment.

[0127] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0128] This embodiment provides another fund processing device, including: a request sending module 1002, configured to generate an access request for a fund transfer identifier and send it to a server based on an access instruction of an institutional member to a fund transfer interface of an institutional payment service; an identifier receiving module 1004, configured to receive and display the fund transfer identifier returned by the server, wherein the fund transfer identifier is generated based on the member information of the institutional member; after the fund transferor scans the fund transfer identifier to transfer funds out, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0129] A server embodiment provided by the present disclosure is as follows.

[0130] Corresponding to the fund processing method described above, based on the same technical concept, one or more embodiments of the present disclosure also provide a server, which is used to execute the fund processing method provided above. Figure 11 is a structural diagram of a server provided by one or more embodiments of the present disclosure.

[0131] This embodiment provides a server, including: As shown in Figure 11, the server may have relatively large differences due to different configurations or performances, and may include one or more processors 1101 and memory 1102, and the memory 1102 may store one or more storage applications or data. Among them, the memory 1102 can be a temporary storage or a persistent storage. The application stored in the memory 1102 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the server. Furthermore, the processor 1101 can be configured to communicate with the memory 1102 and execute a series of computer-executable instructions in the memory 1102 on the server. The server may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input / output interfaces 1105, etc.

[0132] In a specific embodiment, the server includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the server, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions: receiving an access request for a funds transfer identifier sent by a member terminal of an institutional member, and the access request is submitted through the funds transfer interface of the institutional payment service; generating the funds transfer identifier of the institutional member based on the member information of the institutional member, and returning it to the member terminal; after the funds transferor transfers funds by scanning the funds transfer identifier, transferring the target funds to the institutional account configured for the institutional payment service; creating a transfer record of the target funds, and associating the transfer record with the member identifier of the institutional member.

[0133] Another member terminal embodiment provided by the present disclosure is as follows.

[0134] Corresponding to the other fund processing method described above, based on the same technical concept, one or more embodiments of the present disclosure also provide another member terminal, which is used to execute the fund processing method provided above. Figure 11 is a structural schematic diagram of another member terminal provided by one or more embodiments of the present disclosure.

[0135] This embodiment provides a member terminal, including: As shown in FIG12 , member terminals may vary significantly due to configuration or performance differences, and may include one or more processors 1201 and memory 1202. Memory 1202 may store one or more applications or data. Memory 1202 may be either transient or persistent storage. Applications stored in memory 1202 may include one or more modules (not shown), each module comprising a series of computer-executable instructions in the member terminal. Furthermore, processor 1201 may be configured to communicate with memory 1202 to execute the series of computer-executable instructions in memory 1202 on the member terminal. The member terminal may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input / output interfaces 1205, one or more keyboards 1206, and the like.

[0136] In a specific embodiment, the member terminal includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the member terminal, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions: based on the access instruction of the institutional member to the fund transfer interface of the institutional payment service, generate an access request for the fund transfer identifier and send it to the server; receive the fund transfer identifier returned by the server and display it, wherein the fund transfer identifier is generated based on the member information of the institutional member; after the fund transferor scans the fund transfer identifier to transfer the funds, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0137] An embodiment of a computer-readable storage medium provided by the present disclosure is as follows.

[0138] Corresponding to the fund processing method described above, based on the same technical concept, one or more embodiments of the present disclosure further provide a computer-readable storage medium.

[0139] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, which implement the following process when executed: receiving an access request for a funds transfer identification sent by a member terminal of an institutional member, and submitting the access request through the funds transfer interface of the institutional payment service; generating the funds transfer identification of the institutional member based on the member information of the institutional member, and returning it to the member terminal; after the funds transferor transfers funds by scanning the funds transfer identification, transferring the target funds to the institutional account configured by the institutional payment service; creating a transfer record of the target funds, and associating the transfer record with the member identification of the institutional member.

[0140] It should be noted that the embodiment of a storage medium in the present disclosure and the embodiment of a fund processing method in the present disclosure are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0141] Another embodiment of a computer-readable storage medium provided by the present disclosure is as follows.

[0142] Corresponding to the other fund processing method described above, based on the same technical concept, one or more embodiments of the present disclosure also provide another computer-readable storage medium.

[0143] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, which implement the following process when executed: based on the access instruction of the institutional member to the fund transfer interface of the institutional payment service, generate an access request for the fund transfer identifier and send it to the server; receive the fund transfer identifier returned by the server and display it, and the fund transfer identifier is generated based on the member information of the institutional member; after the fund transferor scans the fund transfer identifier to transfer the funds, the server transfers the target funds to the institutional account configured for the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

[0144] It should be noted that the embodiment of another storage medium in the present disclosure and the embodiment of another fund processing method in the present disclosure are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0145] The various embodiments in the present disclosure are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment and storage medium embodiment, please refer to the partial description of the method embodiment.

[0146] The foregoing description describes specific embodiments of the present disclosure. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0147] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures such as diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can now be considered direct improvements to hardware circuit structures. Designers almost always program the improved process flow into the hardware circuit to obtain the corresponding hardware circuit structure. Therefore, it cannot be said that a process flow improvement cannot be implemented using hardware modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is an integrated circuit whose logical function is determined by user programming of the device. Designers can "integrate" a digital system on a PLD through their own programming, without having to hire a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly performed using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0148] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Users skilled in the art will also know that in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to implement the same functions in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the means for implementing various functions included therein can also be considered as structures within the hardware component. Or even, the means for implementing various functions can be considered as both a software module implementing the method and a structure within the hardware component.

[0149] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or physical devices, or by commercial products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0150] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing the embodiments of the present disclosure, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0151] It will be understood by those skilled in the art that one or more embodiments of the present disclosure may be provided as a method, system, or computer program product. Therefore, one or more embodiments of the present disclosure may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present disclosure may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0152] The present disclosure is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present disclosure. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device produce a device for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0153] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction device that implements the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0154] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0155] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory. Memory may include non-permanent storage in a computer-readable medium, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0156] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0157] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0158] One or more embodiments of the present disclosure may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. One or more embodiments of the present disclosure may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0159] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. This document is susceptible to various modifications and variations by those skilled in the art. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of this document are intended to be encompassed by the claims herein.

Claims

1. A funds processing method, applied to a server, comprising: Receiving an access request for a funds transfer identifier sent by a member terminal of an institution member, wherein the access request is submitted through a funds transfer interface of the institution payment service; generating a fund transfer identifier of the institutional member based on the member information of the institutional member, and returning the identifier to the member terminal; After the fund transferor scans the fund transfer identifier to transfer the target funds to the institutional account configured by the institutional payment service; A transfer-in record of the target funds is created, and the transfer-in record is associated with the member identification of the institution member.

2. The funds processing method according to claim 1, further comprising: after the step of generating a funds transfer identifier for the institutional member based on the member information of the institutional member and returning the identifier to the member terminal, and before the step of transferring the target funds to the institutional account configured for the institutional payment service after the funds transferor scans the funds transfer identifier to transfer the funds out; Receiving a matter configuration request sent by the member terminal, wherein the matter configuration request is sent after the institution member triggers the matter configuration interface configured on the display page of the funds transfer identifier; A service item list of the organization member is searched in a service item database of the organization to which the organization member belongs, and the service item list is sent to the member terminal.

3. The funds processing method according to claim 2, further comprising: after executing the sub-step of querying the service item list of the institutional member in the service item library of the institution to which the institutional member belongs and sending the service item list to the member terminal; receiving a selection instruction of the organization member for the target service item in the service item list returned by the member terminal; Generate an item details page for the target service item and send it to the member terminal, and receive the item details for the target service item returned by the member terminal.

4. The funds processing method according to claim 1, further comprising: after the step of generating a funds transfer identifier for the institutional member based on the member information of the institutional member and returning the identifier to the member terminal, and before the step of transferring the target funds to the institutional account configured for the institutional payment service after the funds transferor scans the funds transfer identifier to transfer the funds out; Receiving a configured amount sent by the member terminal, wherein the configured amount is sent after the institution member triggers an amount configuration interface configured on a display page of the funds transfer identifier; The configured amount is written into the identification information of the funds transfer identification.

5. The funds processing method according to claim 1, further comprising: after the step of receiving an access request for an inward funds transfer identifier sent by a member terminal of an institutional member and before the step of generating an inward funds transfer identifier of the institutional member based on the member information of the institutional member and returning the identifier to the member terminal; Determine a service item library of the institution to which the institution member belongs, query the service item library for the service item list of the institution member based on the member ID of the institution member, and send the list to the member terminal; receiving a selection instruction of the organization member for the target service item in the service item list returned by the member terminal; Generate an item details interface for the target service item, configure the item details interface in the display page of the fund transfer mark and return it to the member terminal.

6. The funds processing method according to claim 5, further comprising: generating a matter detail interface for the target service matter, configuring the matter detail interface on a display page of the funds transfer indicator, and returning the result to the member terminal after the sub-step is executed; receiving item details for the target service item returned by the member terminal; The matter details are sent after the organization member triggers the matter details interface.

7. The funds processing method according to claim 4, wherein after the funds transferor scans the funds transfer-in identifier, the target funds are transferred out in the following manner: Parsing the funds transfer identifier to obtain identification information of the funds transfer identifier; The configured amount included in the identification information is extracted, and the configured funds corresponding to the configured amount are transferred out as the target funds.

8. The fund processing method according to claim 3 or 6, wherein the step of creating a transfer-in record of the target funds and associating the transfer-in record with a member ID of the institution member comprises: Creating a transfer-in record of the target funds based on the transaction details and the funds transferor identifier of the funds transferor; The member identification of the institution member is used as a marking label to mark the transfer-in record to obtain a marked transfer-in record.

9. The fund processing method according to claim 8, further comprising: after the steps of creating a transfer-in record of the target funds and associating the transfer-in record with the member identification of the institutional member are executed: The marked transfer-in record is sent to the institutional system of the institution to which the institutional member belongs, so as to verify the transferred funds of the institutional account based on the marked transfer-in record.

10. The funds processing method according to claim 1, wherein the institutional payment service is activated in the following manner: Obtaining a request submitted by a user for activation of the institution's payment service, and performing identity verification on the user based on the user information carried in the activation request; After the authentication process is passed, the target account is determined based on the account information carried in the activation request, and the target account is used as the institutional account of the institutional payment service.

11. The funds processing method according to claim 1, further comprising: after the step of receiving an access request for an inward funds transfer identifier sent by a member terminal of an institutional member and before the step of generating the inward funds transfer identifier of the institutional member based on the member information of the institutional member and returning the identifier to the member terminal; determining the institution to which the institutional member belongs based on the member information, and detecting whether the institution is a certified institution for the institutional payment service; If so, the step of generating a fund transfer identifier of the institutional member based on the member information of the institutional member and returning the information to the member terminal is executed.

12. A funds processing method, applied to a member terminal, comprising: Generate an access request for the funds transfer identifier based on the institution member's access instruction to the funds transfer interface of the institution payment service and send it to the server; receiving and displaying the funds transfer identification returned by the server, wherein the funds transfer identification is generated based on the member information of the institution member; After the fund transferor scans the fund transfer identifier to transfer the funds out, the server transfers the target funds to the institutional account configured by the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

13. The fund processing method according to claim 12, further comprising: Generate a matter configuration request and send it to the server according to a trigger instruction of the matter configuration interface included in the display page of the funds transfer identifier by the institution member; Receive and display the service item list sent by the server, obtain the selection instruction of the organization member for the target service item in the service item list and return it to the server; Receive and display the item details page for the target service item sent by the server, obtain the item details entered by the organization member based on the item details page and return it to the server.

14. The fund processing method according to claim 12, further comprising: The configured amount input by the institution member through the amount configuration interface contained in the display page of the fund transfer mark is obtained, and the configured amount is sent to the server.

15. The funds processing method according to claim 12, further comprising: after executing the step of providing access instructions to the funds transfer interface of the institution payment service according to the institution member and before executing the step of receiving and displaying the funds transfer identifier returned by the server: Receiving a service item list of the organization members sent by the server; Obtaining a selection instruction of the organization member for a target service item in the service item list, and returning the instruction to the server; Receive the display page of the fund transfer identifier configured with the matter details interface returned by the server, obtain the matter details input by the institution member by triggering the matter details interface and send it to the server.

16. A funds processing device, running on a server, comprising: a request receiving module configured to receive an access request for a funds transfer identifier sent by a member terminal of an institution member, the access request being submitted via a funds transfer interface of the institution payment service; an identification returning module, configured to generate a fund transfer identification of the institutional member based on the member information of the institutional member, and return the identification to the member terminal; After the fund transferor transfers funds out by scanning the fund transfer identifier, the fund transfer module is run, and the fund transfer module is configured to transfer the target funds to the institutional account configured by the institutional payment service; The record association module is configured to create a transfer-in record of the target funds and associate the transfer-in record with the member identification of the institution member.

17. A funds processing device, running on a member terminal, comprising: a request sending module configured to generate an access request for a funds transfer identifier according to an access instruction of an institution member to a funds transfer interface of an institution payment service and send the request to a server; an identification receiving module configured to receive and display the funds transfer identification returned by the server, wherein the funds transfer identification is generated based on the member information of the institution member; After the fund transferor scans the fund transfer identifier to transfer the funds out, the server transfers the target funds to the institutional account configured by the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

18. A server comprising: processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: Receiving an access request for a funds transfer identifier sent by a member terminal of an institution member, wherein the access request is submitted through a funds transfer interface of the institution payment service; generating a fund transfer identifier of the institutional member based on the member information of the institutional member, and returning the identifier to the member terminal; After the fund transferor scans the fund transfer identifier to transfer the target funds to the institutional account configured by the institutional payment service; A transfer-in record of the target funds is created, and the transfer-in record is associated with the member identification of the institution member.

19. A member terminal, comprising: processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: Generate an access request for the funds transfer identifier based on the institution member's access instruction to the funds transfer interface of the institution payment service and send it to the server; receiving and displaying the funds transfer identification returned by the server, wherein the funds transfer identification is generated based on the member information of the institution member; After the fund transferor scans the fund transfer identifier to transfer the funds out, the server transfers the target funds to the institutional account configured by the institutional payment service, creates a transfer record of the target funds, and associates the transfer record with the member identifier of the institutional member.

20. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed by a processor.

21. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 12 when executed by a processor.

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