Fund processing

Abstract

Embodiments of the present disclosure provide a fund processing method and apparatus. The fund processing method comprises: in a fund processing process, acquiring a fund processing request submitted by a merchant device upon scanning a member code displayed by a member terminal within an institution service; on the basis of a fund verification rule associated with the member code, verifying an amount carried in the fund processing request; upon successful verification, transferring funds corresponding to the amount from a member account to a merchant account, and creating a fund refund item of an institution for an institution member; and upon detecting an invoice association instruction for the fund refund item, executing the fund refund item to return the funds from the institution account to the member account.

Description

Fund processing TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of data processing, and particularly relates to fund processing. BACKGROUND

[0002] With the continuous development of Internet technology, online services have gradually become the mainstream of transaction processing, among which work transactions are also gradually processed through online services. An institution can create an institutional management architecture or a management group in an application program or a mini program, and an institutional member can submit a processing request for a work transaction through the application program or the mini program to process the processing request submitted by the institutional member in a node processing manner. With more and more institutions using online services to process work transactions, how to provide better online services has become a major concern. SUMMARY

[0003] One or more embodiments of the present disclosure provide a fund processing method, comprising: obtaining a fund processing request submitted by a member terminal after a member code displayed by an institutional service is scanned by a merchant device. The member code is associated with a member account of an institutional member. According to a fund verification rule associated with the member code, an amount carried by the fund processing request is verified. In the case of verification passing, funds corresponding to the amount in the member account are transferred to a merchant account and a fund return matter of the institution for the institutional member is created. If a ticket association instruction of the fund return matter is detected, the fund return matter is executed to return funds corresponding to the amount from an institutional account to the member account.

[0004] One or more embodiments of the present disclosure provide a fund processing device, comprising: a fund processing request obtaining module configured to obtain a fund processing request submitted by a member terminal after a member code displayed by an institutional service is scanned by a merchant device. The member code is associated with a member account of an institutional member. An amount verification module configured to verify an amount carried by the fund processing request according to a fund verification rule associated with the member code. In the case of verification passing, a fund transfer module is run, the fund transfer module is configured to transfer funds corresponding to the amount in the member account to a merchant account and create a fund return matter of the institution for the institutional member. A fund return module configured to execute the fund return matter to return funds corresponding to the amount from an institutional account to the member account if a ticket association instruction of the fund return matter is detected.

[0005] One or more embodiments of the present disclosure provide a fund processing device, comprising: a processor; and a memory configured to store computer executable instructions, the processor executes the computer executable instructions to implement the following procedures: obtaining a fund processing request submitted by a merchant device after scanning a member code displayed by a member terminal at an agency service. The member code is associated with a member account of an agency member. According to a fund verification rule associated with the member code, verifying an amount carried by the fund processing request. In the case of passing the verification, transferring fund corresponding to the amount in the member account to a merchant account and creating a fund return matter of the agency for the agency member. If a ticket association instruction of the fund return matter is detected, executing the fund return matter to return fund corresponding to the amount from an agency account to the member account.

[0006] One or more embodiments of the present disclosure provide a computer readable storage medium for storing computer executable instructions, the computer executable instructions, when executed, implement the following procedures: obtaining a fund processing request submitted by a merchant device after scanning a member code displayed by a member terminal at an agency service. The member code is associated with a member account of an agency member. According to a fund verification rule associated with the member code, verifying an amount carried by the fund processing request. In the case of passing the verification, transferring fund corresponding to the amount in the member account to a merchant account and creating a fund return matter of the agency for the agency member. If a ticket association instruction of the fund return matter is detected, executing the fund return matter to return fund corresponding to the amount from an agency account to the member account. BRIEF DESCRIPTION OF DRAWINGS

[0007] In order to more clearly illustrate the technical solutions in the one or more embodiments of the present disclosure or the related art, the drawings needed to be used in the embodiment or related art description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments described in the present disclosure, and for those skilled in the art, other drawings can also be obtained without creative labor based on these drawings;

[0008] FIG. 1 is a schematic diagram of an implementation environment of a fund processing method according to one or more embodiments of the present disclosure;

[0009] FIG. 2 is a processing flowchart of a fund processing method according to one or more embodiments of the present disclosure;

[0010] FIG. 3 is a schematic diagram of a fund processing method according to one or more embodiments of the present disclosure;

[0011] FIG. 4 is a processing flowchart of a fund processing method applied to a fund processing scenario according to one or more embodiments of the present disclosure;

[0012] FIG. 5 is a schematic diagram of an embodiment of a fund processing device according to one or more embodiments of the present disclosure;

[0013] FIG. 6 is a structural schematic diagram of a fund processing device according to one or more embodiments of the present disclosure. DETAILED DESCRIPTION

[0014] In order to better understand the technical solutions in the one or more embodiments of the present disclosure, the technical solutions in the one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the one or more embodiments of the present disclosure. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all the embodiments. Based on the one or more embodiments of the present disclosure, all other embodiments obtained by those skilled in the art without creative work should fall within the protection scope of the present disclosure.

[0015] The fund processing method provided by the one or more embodiments of the present disclosure can be applied to the implementation environment of fund processing. Referring to FIG. 1, the implementation environment at least includes a server 101. The server 101 can be one or more servers, a server cluster composed of several servers, or a cloud server of a cloud computing platform. The server 101 is used for amount verification, and fund transfer and fund return processing after verification. The server 101 can also be used for configuration and storage processing of the fund verification rules of an institution.

[0016] The implementation environment also at least includes a merchant device 102. The merchant device 102 can be a payment terminal device configured with an image acquisition component, a POS (Point of sales) machine, etc. The merchant device 102 is used for scanning a member code displayed by a member terminal 103, and generating a fund processing request based on the decoding result and submitting the fund processing request to the server 101.

[0017] The implementation environment also at least includes the member terminal 103. The member terminal 103 can be a smart phone, a tablet computer, an electronic book reader, a wearable device, a device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality), etc. The member terminal 103 displays a member code of an institution service in an application program. The member terminal 103 can be configured with a client of the institution service. The client can be an application program, or a subprogram of the application program, or a service component of the application program.

[0018] The implementation environment can further include a merchant cash register 104, which can be linked to the merchant device 102 through a cable, and the merchant device 102 can interact with the server 101 through the merchant cash register 104, that is, the merchant device 102 can not have wireless communication capability, and communicates with the server 101 through the merchant cash register 104.

[0019] In the implementation environment, the member terminal 103 enters the member code displayed in the agency service, the merchant device 102 scans the member code to generate a fund processing request and submits it to the server 101, the server 101 verifies the amount carried in the fund processing request according to the fund verification rule associated with the member code, and if the verification is passed, the amount corresponding to the member account of the agency member bound to the member code is transferred to the merchant account, and a fund return matter of the agency for the agency member is created, and if the ticket association instruction of the fund return matter is detected, the fund return matter is executed to return the fund from the agency account to the member account, realizing the fast fund processing between the agency and the agency member.

[0020] One or more embodiments of the fund processing method provided by the present disclosure are as follows: with reference to FIG. 2, the fund processing method provided by the present embodiment specifically includes steps S202 to S208.

[0021] Step S202, obtaining the fund processing request submitted by the merchant device after scanning the member code displayed in the agency service by the member terminal.

[0022] In actual application, there is a case that the agency member makes a pre-financing for the agency to process the fund, for example, the agency member invites partners for the agency, or the agency member purchases goods for the agency, and the agency needs to return the fund to the agency member after the agency member makes a contribution; for this, the present embodiment configures a member code for official contribution for the agency member in the agency service, associates the member code with the member account of the agency member and configures a fund verification rule for official contribution, and after the verification is passed, transfers the fund from the member account of the agency member associated with the member code to the merchant account, and creates a fund return matter for the agency member in the agency service, so that the agency returns the fund for official contribution to the agency member, realizes the online processing in the official contribution scenario, improves the efficiency of fund return in the official contribution scenario, and improves the compliance of the official contribution. As shown in FIG. 3, the agency member makes a contribution for official purpose, and then the agency returns the fund to the agency member.

[0023] In this embodiment, the member code refers to an identification code of an institutional member for official investment in the opening of institutional services. The institutional member can bind the personal member account with the member code to make official investment through the personal member account. The member code can be obtained through the institutional identification and member identification coding, that is, the member code can be used to obtain the institution and institutional member to which the member code belongs. Optionally, the institutional code is associated with the member account of the institutional member. The institutional service is a service provided by the application program for the institution to configure the organizational structure, member group, fund verification rule and the like in the institutional service for institutional management. The institutional service can rely on the subprogram of the application program or rely on the application program. The page of the institutional service can configure the control of official investment. The institutional member can display the member code by triggering the official investment control after entering the page. Optionally, the member code is displayed by triggering the member payment control configured by the institutional payment page of the institutional service.

[0024] In addition, the institutional service can also provide the control of institutional investment to enable the member terminal to display the institutional code bound with the institutional account. For example, the institution has explicitly required the consumption of funds. The institutional member can enter the institutional service to trigger the institutional payment control to display the institutional code to process funds through the institutional account bound with the institutional code. The institutional service can also configure the control of member investment and the space of institutional investment in the same page in the official investment scenario. The member terminal can switch to the institutional code for display by triggering the control configured in the page when displaying the member code. Conversely, the institutional service can provide a flexible official investment method. Optionally, the institutional payment page also includes the institutional payment control of the institutional code. The institutional member switches from the member code to the institutional code by triggering the institutional payment control to process funds through the institutional account associated with the institutional code.

[0025] In addition, the institution can establish a group list of the institution in the institutional service. The institution can also create each processing matter of the institution in the institutional service, such as the fund processing matter. The institution can also configure the fund verification rule in the institutional service to verify the official investment of the institutional member through the fund verification rule.

[0026] In the specific implementation process, the member of the organization needs to open a member code in the organization service first. Specifically, the organization can first add the member of the organization into the member list of the organization service, so as to query the member of the organization in the member list according to the member identifier carried in the opening request and open the member code. In the process of opening the member code, the member code can be obtained according to the organization identifier and the member identifier code included in the opening request submitted by the member of the organization, and the association between the member code and the member account can be established according to the account information carried in the opening request, and the association between the member code and the fund verification rule configured by the organization can be established, so that the member account and the fund verification rule associated with the member code can be queried through the decoding information of the member code. In an optional implementation provided in the embodiment, the member code is opened in the following manner: the member code is obtained according to the organization identifier and the member identifier submitted by the member of the organization, and the association between the member account and the member code is established according to the account information submitted by the member of the organization; the association between the member code and the fund verification rule configured by the organization in the organization service is established.

[0027] In the specific implementation, the member terminal first runs the application program to enter the organization service to display the member code. After the merchant device collects the member code, the fund processing request is generated according to the decoding information and is sent to the server. The server obtains the fund processing request for the official investment of the member of the organization and processes it.

[0028] In step S204, the amount carried in the fund processing request is verified according to the fund verification rule associated with the member code.

[0029] In the embodiment, the fund verification rule is preset by the organization. After the fund processing request is obtained, the amount carried in the fund processing request is verified by the fund verification rule, so as to verify the compliance of the investment before the official investment of the member of the organization, improve the efficiency of the official investment, and avoid disputes between the member and the organization after the investment.

[0030] In the specific implementation process, after the fund processing request submitted by the merchant device is obtained, the decoding information of the member code carried in the fund processing request can also be used to query the fund verification rule configured by the organization in the member code subprogram, so as to perform subsequent fund verification processing. In an optional implementation provided in the embodiment, after the fund processing request is obtained, the method further includes: extracting the decoding information of the member code carried in the fund processing request, and calling the query interface for verification rule query by taking the decoding information as input; receiving the fund verification rule configured by the organization by accessing the configuration interface provided by the organization service, which is returned by the interface call.

[0031] Specifically, the institution service can set different function modules to manage different service functions, the fund verification rule can be stored in the storage area of a specific function module, the institution can access the configuration interface of the function module to configure the fund verification rule in the institution service, and in the verification rule query process, the decoded information of the member code carried by the fund processing request can be used as the interface call input, and the fund verification rule of the institution returned by the function module corresponding to the fund verification rule of the institution service through the interface call can be received.

[0032] In this embodiment, the fund verification rule is a verification rule configured by the institution for each institution member, and when the institution member uses the member code and / or the institution code for official investment, it is judged whether this investment meets the fund verification rule, so as to improve the compliance of official investment. After the configuration of the fund verification rule is completed, it can be associated with the member code of each institution member and / or the institution code of the institution, such as: the fund verification rule can be configured to determine that the verification is passed within a certain time to a certain merchant within a certain amount, otherwise it is determined that the verification fails, and the fund verification rule can be configured in the institution service before the merchant device submits the fund processing request. Among them, the specific merchant can be one or more, or each store under a chain store. The fund verification rule can be used for multiple investments of each institution member, that is: the fund verification rule can be fixed, and the fund verification rule for multiple official investments can be the same.

[0033] In addition, the fund verification rule can also be generated according to the matter application submitted by the institution member, that is: the fund verification rule can also be configured once and / or for part of the institution members, such as: in the official banquet scene, the institution member can submit a banquet application, the banquet application can include banquet party information, banquet time and banquet goods, and after the application is passed, the fund verification rule for this official banquet of the institution member can be generated according to the banquet party information, the banquet time and the banquet goods, and the fund verification rule can be invalidated after the banquet time. Optionally, the fund verification rule includes a single verification rule determined according to the task matter submitted by the institution member; the single verification rule includes a payment time and a payment commodity; the payment commodity includes a predetermined commodity category and / or a commodity quantity of the institution member in the merchant. Correspondingly, the single verification rule is configured to establish an association relationship between the institution member and the single verification rule. Specifically, the index of the single verification rule can configure one more fields compared to the common fund verification rule configured by the institution, such as: a field corresponding to the member identifier, so that the single verification rule can be associated with the institution and the institution member at the same time.

[0034] To this end, before the fund verification is performed, it can also be inquired whether there is a single verification rule associated with the member of the organization, if the single verification rule is inquired, the single verification rule is used to perform the verification, if not, the fund verification rule of the organization is inquired, in an optional implementation provided by the embodiment, before the verification is performed, it further includes: inquiring, according to the member identifier of the member of the organization carried by the fund processing request, whether there is a single verification rule associated with the member of the organization; if not, a query interface is called to inquire the fund verification rule; if yes, the single verification rule is taken as the fund verification rule.

[0035] In a specific implementation, the fund verification rule associated with the member code is inquired, and the amount carried by the fund processing request is verified based on the fund verification rule obtained by the inquiry. Specifically, it can be verified whether the transfer merchant corresponding to the amount matches the fund verification rule, and the amount is verified again after passing, and the verification is determined to pass after passing twice. In an optional implementation provided by the embodiment, verifying the amount carried by the fund processing request according to the fund verification rule includes: detecting whether the merchant to which the merchant device belongs matches the candidate merchant recorded in the fund verification rule; if not, determining that the verification fails; if yes, detecting whether the amount is less than the investment limit recorded in the fund verification rule, if yes, determining that the verification passes; if not, determining that the verification fails.

[0036] In addition, the single verification rule generated for the task matter applied by the member of the organization can be used to verify the amount according to the information recorded in the single verification rule, that is, the amount is verified according to the matter information of the matter applied by the member of the organization. In another optional implementation provided by the embodiment, verifying the amount carried by the fund processing request according to the fund verification rule includes: detecting whether the creation time of the order contained in the fund processing request is within the payment time; if not, determining that the verification fails; if yes, detecting whether the product information carried by the order matches the payment product, if yes, determining that the payment verification passes; if not, determining that the verification fails.

[0037] Specifically, the merchant device can write the order information into the fund processing request and send it to the server, and the server detects whether the creation time of the order is within the payment time of the single verification rule, that is, whether the creation time of the order is within the time of the task matter applied by the member of the organization, if yes, it is detected whether the product information carried by the order matches the payment product of the single verification rule, that is, whether the product information carried by the order matches the application product of the task matter applied by the member of the organization, if yes, it is determined that the verification passes.

[0038] For example, the banquet time applied by the member of the organization is X year X month X day 20:00-24:00, and it is detected whether the creation time of the order contained in the fund processing request is in X year X month X day 20:00-24:00, if yes, it is detected whether the goods of the order match the type and quantity of the dishes applied by the member of the organization, if yes, it is determined that the verification is passed.

[0039] It should be noted that there is also a case where the verification is not passed, that is, this fund processing does not meet the conditions for public investment, and a payment failure payment result page can be generated according to the reason for the verification failure, and a jump interface of the personal payment code of the member of the organization is added to the payment result page, so that the member terminal receives the payment result page and jumps to the personal payment code for payment by triggering the jump interface. In an optional embodiment provided by the present embodiment, if the verification is not passed, it further includes: generating a transfer failure payment result page based on the transfer failure information, and adding a payment control of the payment identifier of the member to the payment result page; the payment result page carrying the payment control is returned to the member terminal, so as to process the fund by the payment identifier.

[0040] It should be noted that in the public investment scenario, the amount carried by the fund processing request can also not be verified, that is, the organization can not verify the fund processing request in the case where the member of the organization uses the organization service for investment, that is, step S204 can be deleted, and in the case where step S204 is deleted, the remaining steps can be combined to form a new technical solution, and accordingly, step S206 is changed to: transferring the fund corresponding to the amount in the member account to the merchant account and creating a fund return matter of the organization to the member of the organization.

[0041] Step S206, in the case where the verification is passed, the fund corresponding to the amount in the member account is transferred to the merchant account and a fund return matter of the organization to the member of the organization is created.

[0042] In specific implementation, after detecting that the verification is passed, it is determined that the fund corresponding to the amount carried in the fund processing request is transferred out of the member account of the member of the organization associated with the member code, and the transferred fund is transferred into the merchant account of the merchant to which the merchant device belongs. After the transfer is completed, a fund return matter of the organization to the member of the organization is created in the organization service.

[0043] In the fund return matter creation process, after detecting that the transfer is completed, the to-be-configured fund return matter can be created in the group list to which the institution belongs in the institution service, and the transfer success information is split and written into the to-be-configured fund return matter for configuration, and the fund return matter without associated bills is obtained. In an optional implementation provided in the embodiment, the fund return matter is created, including: according to the transfer success information returned by the merchant device, creating, in the institution service, the to-be-configured return matter of the institution for the institution member; and writing the merchant information, the transfer amount and the transfer time contained in the transfer success information into the to-be-configured return matter for matter configuration, to obtain the fund return matter.

[0044] Specifically, the merchant can generate a receipt to return to the institution service after receiving the transferred fund, and the transfer success information can be used as the receipt. In the fund return matter creation process, the institution identifier contained in the transfer success information can be extracted, the institution to which the fund return matter belongs is determined according to the institution identifier, the to-be-configured return matter is created in the agency matter set of the institution, and the merchant information, the transfer amount, the institution member information and the transfer time contained in the transfer success information are written into the to-be-configured return matter to obtain the fund return matter of the institution for the institution member.

[0045] In step S208, if the bill association instruction of the fund return matter is detected, the fund return matter is executed to return the fund corresponding to the amount from the institution account to the member account.

[0046] The embodiment realizes the timely return of the fund paid in advance by the institution member to the institution by executing the fund return matter after detecting the bill association instruction of the fund return matter, that is, the institution reimburses the institution member in time. Through the setting of the fund verification rule and the member code, the institution member can make a public investment through the member code without submitting an application, and return the fund in time after obtaining the bill provided by the merchant.

[0047] In the embodiment, the bill association instruction refers to the association instruction of the electronic bill of the fund return matter submitted by the merchant. Specifically, the bill association instruction can be generated by the server after detecting the bill association operation of the fund return matter. In the specific execution process, the merchant issues the bill of this transaction, that is, the electronic invoice, after receiving the transfer success message.

[0048] Specifically, the merchant can send the bill to the agency member, and the agency member uploads the bill to the agency service associated with the fund return matter, so that the server executes the fund return matter after detecting the bill association instruction; or the merchant can also send the bill of this transaction to the application program belonging to the agency service configured by the agency member, that is, the agency member presets an application program to receive the bill in the merchant system, the merchant sends the bill to the account opened by the agency member in the application program, and the agency service reads the bill information of the bill and matches the candidate fund return matter in the matter set after detecting the bill received by the application program, associates the bill with the matched fund return matter, so that the server executes the fund return matter after detecting the bill association instruction. In an optional embodiment provided by the embodiment, the bill association instruction is generated in the following way: receiving the electronic bill synchronized by the application program belonging to the agency service, analyzing the bill information contained in the electronic bill; querying the fund return matter matched with the bill information in the matter library, and generating the bill association instruction after associating the electronic bill to the fund return matter; or, after detecting the electronic bill uploaded by the member terminal for the fund return matter, the bill association instruction is generated.

[0049] Optionally, the electronic bill is sent to the application program after the merchant completes the bill.

[0050] In addition, the bill service can also be configured in the application program, and the application program can synchronize the bill sent by the merchant to the bill service, and the agency service can read the electronic bill in the bill service at regular intervals to query the electronic bill matched with the fund return matter; optionally, the bill association instruction is generated in the following way: querying the electronic bill in the bill service record of the application program belonging to the agency service, analyzing the bill information contained in the electronic bill, querying the fund return matter matched with the bill information in the matter library, and generating the bill association instruction after associating the electronic bill to the fund return matter.

[0051] In specific implementation, if the bill association instruction of the fund return matter is detected, the fund return matter is executed according to the member account of the agency member recorded in the fund return matter and the investment amount of the public investment, that is, the fund is returned from the agency account to the member account of the agency member.

[0052] In a specific implementation process, the returned amount of money corresponding to the returned amount of money can be returned from the agency account to the member account according to the content of the fund return matter record. In an optional implementation provided by the embodiment, the fund return matter is executed, including: reading the member identification of the agency member of the fund return matter record, querying the member account associated with the member code based on the member identification; reading the returned amount of money of the fund return matter record, transferring the fund corresponding to the returned amount of money from the agency account to the member account, and marking the fund return matter as an executed state.

[0053] After the fund return matter is executed, the fund return matter can be marked as a processed state, and the public capital record can be performed. In addition, when the fund verification rule is generated according to the matter application submitted by the agency member, the single verification rule can also be marked as processed after the fund return matter is executed and / or the time of the application of the agency member expires, or the single verification rule is deleted, so as to reduce the storage burden of the system. In an optional implementation provided by the embodiment, after the fund return matter is executed, the fund return matter is executed, and the single verification rule configured by the member code subprogram of the agency is marked as an unusable state; or the single verification rule configured by the member code subprogram of the agency is deleted.

[0054] In summary, one or more fund processing methods provided by the embodiment, in the process of the agency member making public capital, obtain the fund processing request submitted by the merchant device after scanning the member code displayed by the member terminal in the agency service, verify the amount carried by the fund processing request according to the fund verification rule associated with the member code, and transfer the fund corresponding to the amount in the member account to the merchant account and create the fund return matter of the agency for the agency member if the verification is passed. If the ticket association instruction of the fund return matter is detected, the fund return matter is executed to return the fund from the agency account to the member account, which realizes the compliance verification before the public capital and the time report and time consumption of the public capital. When the public capital is made, the form of the public capital can be selected on the public payment page, the personal account can be selected for payment, and the agency account can also be selected for payment. In addition, the agency member can also apply for a task matter, generate a single verification rule corresponding to the task matter according to the task matter, configure a one-time fee control rule for the agency member, and verify the public capital within the application time through the fee control rule. Further, the single verification rule can be marked as an unusable state after the fund return matter is executed.

[0055] The following takes the application of the fund processing method provided by the embodiment in the fund processing scene as an example to further illustrate the fund processing method provided by the embodiment in combination with FIG. 4. The fund processing method applied in the fund processing scene specifically includes the following steps.

[0056] Step S402, obtaining the fund processing request submitted by the member terminal after scanning the member code displayed by the institution service.

[0057] Optionally, the member code is displayed by the member payment control configured by the institution service of the institution payment page triggered by the member of the institution.

[0058] Step S404, extracting the decoding information of the member code carried by the fund processing request, and calling the rule query interface for verification rule query by taking the decoding information as input.

[0059] Optionally, the decoding information includes the member identification of the member of the institution and the institution identification of the institution.

[0060] Step S406, receiving the fund verification rule of the institution returned by the interface call.

[0061] Step S408, detecting whether the creation time of the order is within the payment time; if yes, executing step S410; if no, no processing is needed.

[0062] Optionally, the order is obtained by analyzing the fund processing request.

[0063] Step S410, detecting whether the product information carried by the order matches the payment product; if yes, executing step S412; if no, no processing is needed.

[0064] Optionally, the payment product includes product type and / or product quantity.

[0065] Step S412, transferring the fund corresponding to the amount in the member account to the merchant account.

[0066] Step S414, creating the to-be-configured return matter of the institution for the member of the institution according to the order payment result returned by the merchant in the institution service.

[0067] Step S416, writing the merchant information, payment amount and payment time contained in the order payment result into the to-be-configured return matter for matter configuration, and obtaining the fund return matter.

[0068] Step S418, if the ticket association instruction of the fund return matter is detected, executing the fund return matter to return the fund from the institution account to the member account.

[0069] Optionally, the ticket association instruction is generated after detecting that the merchant sends the ticket of the order to the ticket subprogram of the application program belonging to the institution service.

[0070] The fund processing device provided in the disclosure is implemented as follows: in the above-mentioned embodiments, a fund processing method is provided, and a fund processing device corresponding to the fund processing method is also provided, which will be described below with reference to the accompanying drawings.

[0071] Referring to FIG. 5, a schematic diagram of an embodiment of a fund processing device provided in the disclosure is shown.

[0072] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant part can be referred to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0073] The fund processing device provided in the embodiment includes: a fund processing request acquisition module 502 configured to acquire a fund processing request submitted by a member terminal after a member code displayed by an institution service is scanned by a merchant device; the member code is associated with a member account of an institution member; an amount verification module 504 configured to verify an amount carried by the fund processing request according to a fund verification rule associated with the member code; in the case of passing the verification, a fund transfer module 506 is run, the fund transfer module 506 is configured to transfer funds corresponding to the amount in the member account to a merchant account and create a fund return matter of the institution for the institution member; a fund return module 508 configured to execute the fund return matter to return funds corresponding to the amount from an institution account to the member account if a bill association instruction of the fund return matter is detected.

[0074] The fund processing device provided in the disclosure is implemented as follows: corresponding to the fund processing method described above, based on the same technical concept, one or more embodiments of the disclosure also provide a fund processing device for executing the fund processing method provided above, and FIG. 6 is a structural schematic diagram of a fund processing device provided in one or more embodiments of the disclosure.

[0075] The fund processing device provided in the embodiment can have great differences due to different configurations and performances, and can include one or more processors 601 and memories 602. The memories 602 can store one or more stored applications or data. The memories 602 can be temporary memories or persistent memories. The applications stored in the memories 602 can include one or more modules (not shown in the figure), and each module can include a series of computer executable instructions in the fund processing device. Further, the processor 601 can be configured to communicate with the memories 602 and execute the series of computer executable instructions in the memories 602 on the fund processing device. The fund processing device can further include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input / output interfaces 605, and one or more keyboards 606.

[0076] In one specific embodiment, the fund processing device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs can include one or more modules, and each module can include a series of computer executable instructions in the fund processing device, and the one or more processors configured to execute the one or more programs include computer executable instructions for: obtaining a fund processing request submitted by a merchant device after scanning a member code displayed by a member terminal in an institution; the member code is associated with a member account of an institution member; verifying an amount carried in the fund processing request according to a fund verification rule associated with the member code; in the case of passing the verification, transferring fund corresponding to the amount in the member account to a merchant account and creating a fund return event of the institution for the institution member; and if a ticket association instruction of the fund return event is detected, performing the fund return event to return the fund corresponding to the amount from an institution account to the member account.

[0077] The computer readable storage medium provided in the disclosure can implement, for example, a fund processing method described above. Based on the same technical concept, one or more embodiments of the disclosure further provide a computer readable storage medium.

[0078] The computer readable storage medium provided by the embodiment is used for storing computer executable instructions, and the computer executable instructions realize the following process when executed: obtaining a fund processing request submitted by a merchant device after scanning a member terminal in an organization service display member code; the member code is associated with a member account of an organization member; according to the fund verification rule associated with the member code, the amount carried by the fund processing request is verified; in the case of passing the verification, the fund corresponding to the amount in the member account is transferred to the merchant account and the fund return matter of the organization for the organization member is created; if the ticket association instruction of the fund return matter is detected, the fund return matter is executed to return the fund corresponding to the amount from the organization account to the member account.

[0079] It should be noted that the embodiments of the computer readable storage medium in the present disclosure are based on the same inventive concept as the embodiments of the fund processing method in the present disclosure, and therefore the specific implementation of this embodiment can refer to the foregoing implementation of the corresponding method, and the repeated parts will not be described again.

[0080] Each of the embodiments in the present disclosure is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the difference from other embodiments, such as the device embodiment, the equipment embodiment and the storage medium embodiment, which are similar to the method embodiment, so the description is relatively simple. The related content in the device embodiment, the equipment embodiment and the storage medium embodiment can be referred to the part of the method embodiment.

[0081] The above describes specific embodiments of the present disclosure. Other embodiments are within the scope of the appended claims. In some cases, the acts or steps recited in the claims can be performed in a different order than the order in which they are recited and still achieve desirable results. In addition, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve the desired results. In certain implementations, multitasking and parallel processing can be advantageous.

[0082] In the 1940s, it was quite obvious to distinguish whether an improvement in a technology was in hardware (e.g., improvement in circuit structure of diodes, transistors, switches, etc.) or in software (e.g., improvement in method flow). However, as technology has evolved, many improvements in method flow today can be considered as direct improvements in hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented by a hardware entity module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is an integrated circuit whose logic function is determined by user programming of the device. A digital system is "integrated" on a PLD by the designer programming it, rather than by ordering a chip manufacturer to design and fabricate a custom integrated circuit chip. Moreover, instead of manually fabricating an integrated circuit chip, this programming is now mostly implemented by "logic compiler" software, which is similar to software compilers used in program development, and the original code to be compiled is written in a specific programming language, called a hardware description language (HDL), of which there are 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 being VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It will be clear to those skilled in the art that, by simply logically programming a method flow in one of the above hardware description languages and programming it into an integrated circuit, a hardware circuit implementing the logical method flow can be easily obtained.

[0083] The controller can be implemented in any suitable way, for example, the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code, such as 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 which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F420, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that, in addition to being implemented in pure computer readable program code, the controller can also be implemented to perform the same functions in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded microcontrollers, etc. by logically programming the method steps. Therefore, such a controller can be considered as a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can even be considered as both a software module implementing a method and a structure within a hardware component.

[0084] The systems, apparatuses, modules or units illustrated by the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, 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.

[0085] For the sake of brevity, the above apparatuses are described in functional form in various units. Of course, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0086] Those skilled in the art will appreciate that one or more embodiments of the disclosure can provide a method, a system or a computer program product. Accordingly, one or more embodiments of the disclosure can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the disclosure can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROMs, optical storage devices, etc.) embodying computer readable program code.

[0087] The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks.

[0088] These computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture including instructions which implement the function specified in the flowchart block or blocks.

[0089] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks.

[0090] In one typical configuration, the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0091] The memory can include non-persistent memory and / or volatile memory, such as random access memory (RAM) and / or cache memory, non-volatile memory, such as read-only memory (ROM), EPROM, and / or flash memory, etc. The memory is an example of computer readable media.

[0092] Computer-readable media includes permanent and non-permanent, movable and non-movable 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 technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer-readable media does not include transitory media such as modulated data signals and carriers.

[0093] It should also be noted that the terms "comprising", "containing", or any other variant thereof are intended to cover non-exclusive inclusions, so that a process, method, article or apparatus that includes a list of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such process, method, article or apparatus. Without more limitations, the element defined by the statement "comprising a" does not exclude the presence of additional identical elements in the process, method, article or apparatus that includes the element.

[0094] One or more embodiments of the present disclosure can be described in the general context of computer-executable instructions being executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform particular tasks or implement particular abstract data types. One or more embodiments of the present disclosure can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are connected through a communication network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including storage devices.

[0095] The above only describes the embodiments of the present disclosure and is not intended to limit the present disclosure. The present disclosure can have various modifications and changes for those skilled in the art. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the present disclosure shall be included in the scope of claims of the present disclosure.

Claims

1. A fund processing method, comprising: obtaining a fund processing request submitted by a merchant device after scanning a member code displayed by an institution service on a member terminal; the member code is associated with a member account of an institution member; verifying an amount carried by the fund processing request according to a fund verification rule associated with the member code; in the case of passing the verification, transferring fund corresponding to the amount in the member account to a merchant account and creating a fund return matter of the institution for the institution member; if a ticket association instruction of the fund return matter is detected, executing the fund return matter to return fund corresponding to the amount from an institution account to the member account. 2.The fund processing method of claim 1, wherein the member code is opened in the following manner: obtaining the member code by encoding an institution identifier and a member identifier submitted by the institution member, and establishing an association between the member account and the member code according to account information submitted by the institution member; establishing an association between the member code and the fund verification rule configured by the institution on the institution service. 3.The fund processing method of claim 1, wherein the member code is displayed by triggering a member payment control configured on an institution payment page of the institution service; wherein, the institution payment page further comprises an institution payment control of an institution code, and the institution member switches from the member code to the institution code by triggering the institution payment control to process fund through the institution account associated with the institution code. 4.The fund processing method of claim 1, wherein the creating of the fund return matter of the institution for the institution member comprises: creating a to-be-configured return matter of the institution for the institution member on the institution service according to transfer success information returned by the merchant device; writing merchant information, transfer amount and transfer time contained in the transfer success information into the to-be-configured return matter to obtain the fund return matter. 5.The fund processing method of claim 1, wherein the ticket association instruction is generated in the following manner: receiving an electronic ticket synchronized by an application program to which the institution service belongs, and parsing ticket information contained in the electronic ticket; the electronic ticket is sent to the application program after being issued by a merchant; querying the fund return matter matching the ticket information in a matter library, and generating the ticket association instruction after associating the electronic ticket to the fund return matter; or, generating the ticket association instruction after detecting an electronic ticket uploaded by the member terminal for the fund return matter. 6.The fund processing method of claim 1, wherein the executing of the fund return matter comprises: reading a member identifier of the institution member recorded in the fund return matter, and querying the member account associated with the member code based on the member identifier; reading a transfer amount recorded in the fund return matter, transferring fund corresponding to the return amount from the institution account to the member account, and marking the fund return matter as an executed state.

7. The fund processing method of claim 1, wherein the fund verification rule comprises a single-verification rule determined according to a task item submitted by the institution member; and wherein the association between the institution member and the member code and the single-verification rule is established after the single-verification rule is configured; wherein the single-verification rule records a payment time and a payment commodity; and wherein the payment commodity comprises a commodity category and / or a commodity quantity of the institution member that is predetermined by the merchant.

8. The fund processing method of claim 7, wherein after the step of obtaining the fund processing request submitted by the merchant device after scanning the member code displayed by the institution service of the member terminal is executed, and before the step of verifying the amount carried by the fund processing request according to the fund verification rule associated with the member code is executed, the method further comprises: querying whether there is a single-verification rule associated with the institution member according to the member identification of the institution member carried by the fund processing request; and if yes, taking the single-verification rule as the fund verification rule. wherein, 9. The fund processing method of claim 8, wherein the step of verifying the amount carried by the fund processing request according to the fund verification rule associated with the member code comprises: detecting whether the creation time of the order contained in the fund processing request is within the payment time; and if yes, detecting whether the commodity information carried by the order matches the payment commodity, and if yes, determining that the payment verification is passed.

10. The fund processing method of claim 9, wherein after the step of executing the fund return item to return the fund corresponding to the amount from the institution account to the member account is executed, the method further comprises: if it is detected that the payment time is expired, marking the single-verification rule configured by the institution in the member code subprogram as an unusable state.

11. The fund processing method of claim 1, wherein after the step of obtaining the fund processing request submitted by the merchant device after scanning the member code displayed by the institution service of the member terminal is executed, and before the step of verifying the amount carried by the fund processing request according to the fund verification rule associated with the member code is executed, the method further comprises: extracting the decoding information of the member code carried by the fund processing request, and calling a query interface for verification rule query by taking the decoding information as input; and receiving the fund verification rule configured by the institution by accessing a configuration interface provided by the institution service, which is returned by the interface call.

12. The fund processing method of claim 1, wherein the step of verifying the amount carried by the fund processing request according to the fund verification rule associated with the member code comprises: detecting whether the merchant to which the merchant device belongs matches a candidate merchant recorded in the fund verification rule; and if yes, detecting whether the amount is less than a contribution limit recorded in the fund verification rule, and if yes, determining that the verification is passed.

13. The fund processing method of claim 1, wherein after the step of verifying the amount carried by the fund processing request according to the fund verification rule associated with the member code is executed, the method further comprises: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ If the verification fails, a payment result page of the transfer failure is generated based on the transfer failure information, and a payment control of the payment identifier of the member of the institution is added to the payment result page; The payment result page carrying the payment control is returned to the member terminal to process the fund through the payment identifier.

14. A fund processing device, comprising: a fund processing request obtaining module configured to obtain a fund processing request submitted by a merchant device after scanning a member code displayed by a member terminal at an institution service; the member code is associated with a member account of a member of the institution; an amount verification module configured to verify an amount carried by the fund processing request according to a fund verification rule associated with the member code; if the verification is passed, a fund transfer module is run, the fund transfer module is configured to transfer the fund corresponding to the amount in the member account to a merchant account and create a fund return matter of the institution for the member of the institution; a fund return module configured to execute the fund return matter to return the fund corresponding to the amount from an institution account to the member account if a ticket association instruction of the fund return matter is detected.

15. A fund processing device, comprising: a processor; and a memory configured to store computer executable instructions, the processor executes the computer executable instructions to implement the following processes: obtain a fund processing request submitted by a merchant device after scanning a member code displayed by a member terminal at an institution service; the member code is associated with a member account of a member of the institution; verify an amount carried by the fund processing request according to a fund verification rule associated with the member code; if the verification is passed, transfer the fund corresponding to the amount in the member account to a merchant account and create a fund return matter of the institution for the member of the institution; if a ticket association instruction of the fund return matter is detected, execute the fund return matter to return the fund corresponding to the amount from an institution account to the member account.

16. A computer readable storage medium for storing computer executable instructions, the computer executable instructions, when executed, implement the steps of the method of claim 1.

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