CN-114255022-B - Funds data processing method and device

CN114255022BCN 114255022 BCN114255022 BCN 114255022BCN-114255022-B

Abstract

The application provides a fund data processing method and a fund data processing device, in the scheme, a third party paying mechanism can apply for the fund after a target client pays the fund. Because the target customer is a customer authorized by the guarantee service platform to deduct the payment funds from the settlement amount of the target customer through the payment mechanism platform, after the payment mechanism platform obtains the insurance claim funds paid by the insurance mechanism to the target customer, the guarantee service platform can initiate a payment deduction application to the payment mechanism platform, so that the payment mechanism platform can deduct the funds of the target amount corresponding to the payment funds from the insurance claim funds of the target customer and transfer the funds into the guarantee service platform, and further the guarantee service platform can obtain the refund corresponding to the payment funds, thereby avoiding a third party payment mechanism from obtaining the refund by means of collecting the payment funds to the customer, reducing the complexity of recovering the payment funds and improving the safety of the funds.

Inventors

ZHAI NING
WANG ZHONG
PAN SHENGYE
Cao Congqiang
HU SHENGQI
Yuan Xihu
CHEN LUYANG

Assignees

中金同盛商业保理有限公司

Dates

Publication Date: 20260505
Application Date: 20211104

Claims (6)

1. A method for processing funds data, applied to an insurance service platform, comprising: The method comprises the steps that a withholding authorization application sent by a payment service platform is obtained, wherein the withholding authorization application is generated after the payment service platform obtains a withholding authorization request initiated by a target client and confirms that the target client is completed after account opening operation of a payment mechanism platform, the withholding authorization application carries client information of the target client, and the target client is a user applying fund payment to a third party payment mechanism through the payment service platform; Responding to the deduction authorization application, sending an authorization flow call instruction to a payment mechanism platform, wherein the authorization flow call instruction carries the client information of the target client so as to finish the operation that the target client authorizes the deduction to pay funds to the security service platform through the payment mechanism platform; obtaining an authorization success indication returned by the payment mechanism platform, determining the target client as a client for authorizing the deduction and payment of funds, and storing client information of the target client, wherein the authorization success indication is used for representing that the payment mechanism platform confirms that the target client authorizes the permission of the deduction and payment of funds to the warranty service platform; Returning an authorization success result to the payment service platform so that the payment service platform responds to the authorization success result and sends a payment notification to a terminal of the third party payment mechanism, wherein the authorization success result characterizes that the target client is authorized to pay funds by the warranty service platform, and the payment notification is used for indicating that the target client has a condition of obtaining the payment funds; The method comprises the steps of obtaining filling order information, wherein the filling order information indicates client information of a target client filled with filling funds by a third party filling mechanism, the filling funds filled by the third party filling mechanism to the target client are filling funds which are obtained by the third party filling mechanism from the insurance service platform application, and the payment mechanism platform is a platform corresponding to a payment mechanism for entrusting an insurance mechanism to pay the payment funds to the client; according to a set period, summarizing the information of the pad order in the to-be-returned order which is not received currently for fund payment, and uniformly transmitting the information to the payment mechanism platform; Obtaining a claim settlement notice sent by the payment mechanism platform, wherein the claim settlement notice is generated after the payment mechanism platform obtains insurance claim settlement funds paid by an insurance mechanism to the target client; Returning payment amount information to the payment mechanism platform, wherein the payment amount information indicates the target amount of the payment funds, the payment mechanism platform transfers funds of the target amount to a virtual transit account corresponding to the target customer based on the target amount of the payment funds, and transfers residual claim funds to a user account associated with the target customer, the virtual transit account is opened by the payment mechanism platform for the target customer and is invisible to the target customer, and the residual claim funds are the funds remained after the funds of the target amount are deducted from the insurance claim funds; Obtaining a funds cache success notice sent by the payment mechanism platform, wherein the funds cache success notice indicates that the payment mechanism platform has transferred funds of the target amount to a virtual transit account of the target client; And responding to the claim settlement notice and the fund caching success notice, initiating a payment substitute deduction application to the payment mechanism platform, wherein the payment substitute deduction application is used for requesting deduction of a target amount corresponding to the payment fund from the insurance claim settlement fund of the target client, so that the payment mechanism platform transfers the fund in the virtual transit account of the target client to the account of the insurance service platform, and the insurance service platform obtains the repayment corresponding to the payment fund.
2. The method of claim 1, wherein the obtaining of the pad order information comprises: Obtaining a payment fund application initiated by a third party payment mechanism through a payment service platform, wherein the payment fund application carries the target amount of the payment fund for a target client and the client information of the target client; If the target client is confirmed to belong to the client authorized to deduct the money to be paid based on the client information of the target client, transferring the money of the target amount to an account of the third party paying mechanism; Generating a to-be-returned order corresponding to the third party filling mechanism and the target client, wherein the to-be-returned order comprises filling order information.
3. The method as recited in claim 1, further comprising: After confirming that the payment mechanism platform transfers the target amount to an account bound by the security service platform, confirming that the payment order information completes the payment returning process, and sending a payment success indication to the payment service platform, wherein the payment success indication is used for indicating that the payment funds corresponding to the third party payment mechanism and the target client are completed.
4. A method for processing resource data, comprising: The payment service platform obtains a withholding authorization request initiated by a target client, and sends a withholding authorization application to the security service platform, wherein the withholding authorization application is generated after the payment service platform obtains the withholding authorization request initiated by the target client and confirms that the target client has completed account opening operation of the payment mechanism platform, the withholding authorization application carries client information of the target client, and the target client is a user applying fund payment to a third party payment mechanism through the payment service platform; The warranty service platform responds to the deduction authorization application and sends an authorization flow call instruction to the payment mechanism platform, wherein the authorization flow call instruction carries the client information of the target client so as to finish the operation that the target client authorizes the deduction to pay funds to the warranty service platform through the payment mechanism platform; obtaining an authorization success indication returned by the payment mechanism platform at the security service platform, wherein the security service platform determines the target client as a client for authorizing the deduction and payment of funds, stores client information of the target client, and the authorization success indication is used for representing that the payment mechanism platform confirms that the target client authorizes the deduction and payment of funds to the security service platform; the warranty service platform returns an authorization success result to the payment service platform, wherein the authorization success result represents that the target client authorizes the warranty service platform to substitute for payment funds; the payment service platform responds to the successful authorization result and sends a payment notification to the terminal of the third party payment mechanism, wherein the payment notification is used for indicating that the target client has the condition of acquiring payment funds; the method comprises the steps that a guarantee service platform obtains filling order information, wherein the filling order information indicates client information of a target client filled with filling funds by a third party filling mechanism, the filling funds filled by the third party filling mechanism to the target client are filling funds obtained by the third party filling mechanism from the guarantee service platform application, and a payment mechanism platform is a platform corresponding to a payment mechanism for entrusting an insurance mechanism to pay the payment funds to the client; the maintenance service platform collects the information of the payment order in the to-be-returned order which is not received for fund payment at present according to a set period and uniformly sends the information to the payment mechanism platform; The payment mechanism platform obtains insurance claim settlement funds and claim settlement user information provided by an insurance mechanism; If the payment mechanism platform determines that the claim settlement user information is matched with the client information of the target client, sending a claim settlement notice to the insurance service platform, wherein the claim settlement notice is used for indicating the insurance mechanism to pay insurance claim settlement funds to the target client; The guarantee service platform returns payment amount information to the payment mechanism platform, wherein the payment amount information indicates the target amount of the payment funds; The payment mechanism platform transfers funds of the target amount into a virtual transfer account corresponding to the target customer based on the target amount of the paid funds, and transfers residual claim funds to a user account associated with the target customer, wherein the virtual transfer account is opened for the target customer by the payment mechanism platform and is invisible to the target customer, and the residual claim funds are the funds remained after deducting the funds of the target amount from the insurance claim funds; the payment mechanism platform sends a fund caching success notification to the security service platform, wherein the fund caching success notification indicates that the payment mechanism platform has transferred the fund of the target amount to the virtual transfer account of the target client; Responding to the claim settlement notice and the fund caching success notice, and initiating a payment substitute deduction application to the payment mechanism platform, wherein the payment substitute deduction application is used for requesting to deduct a target amount corresponding to the payment fund from the insurance claim settlement fund of the target client; and the payment mechanism platform responds to the payment deduction application, funds in the virtual transfer account of the target client are transferred into the account of the insurance service platform, and the residual funds after deducting the funds of the target amount in the insurance claim funds are transferred into the user account bound by the target client.
5. The method of claim 4, further comprising, before the warranty service platform obtains the pad order information: The payment service platform obtains an account opening application initiated by a target client, and sends an account opening request to a payment mechanism platform, wherein the account opening application is initiated after the target client initiates a fund payment application to a third party payment mechanism through the payment service platform, and the third party payment mechanism and the target client sign a fund payment protocol; the payment mechanism platform responds to the account opening request and obtains the identity verification information of the target client through the payment service platform; after the payment mechanism platform verifies that the identity verification information is legal, a user account is opened for the target client, and information of the user account corresponding to the target client is returned to the payment service platform, so that the payment service platform outputs an account opening success prompt to the target client.
6. A funds data processing apparatus, for use with an insurance service platform, comprising: the authorization application obtaining unit is used for obtaining a substitute deduction authorization application sent by the payment service platform, wherein the substitute deduction authorization application is generated after the payment service platform obtains a substitute deduction authorization request initiated by a target client and confirms that the target client is completed after account opening operation of the payment mechanism platform, the substitute deduction authorization application carries client information of the target client, and the target client is a user applying fund payment to a third party payment mechanism through the payment service platform; The authorization calling unit is used for responding to the deduction authorization application and sending an authorization flow calling instruction to the payment mechanism platform, wherein the authorization flow calling instruction carries the client information of the target client so as to finish the operation that the target client authorizes the deduction to pay funds to the security service platform through the payment mechanism platform; The authorization confirmation unit is used for obtaining an authorization success indication returned by the payment mechanism platform, determining the target client as a client for authorizing the deduction and payment of funds, and storing client information of the target client, wherein the authorization success indication is used for characterizing that the payment mechanism platform confirms that the target client authorizes the deduction and payment of funds to the warranty service platform; the device is also used for returning an authorization success result to the payment service platform so that the payment service platform responds to the authorization success result and sends a payment notification to a terminal of the third party payment mechanism, wherein the authorization success result characterizes that the target client is authorized to pay funds by the warranty service platform, and the payment notification is used for indicating that the target client has a condition of obtaining the payment funds; an order obtaining unit, configured to obtain a payment order information, where the payment order information indicates customer information of a target customer who is paid by a third party payment mechanism, and the payment funds paid by the third party payment mechanism to the target customer are payment funds obtained by the third party payment mechanism from the insurance service platform, and the payment mechanism platform is a platform corresponding to a payment mechanism for an insurance mechanism to delegate payment of the payment funds to the customer; The order sending unit is used for summarizing the information of the pad payment order in the to-be-returned order which is not received at present for the pad payment fund to return according to a set period and uniformly sending the information to the payment mechanism platform; A notification obtaining unit, configured to obtain a claim settlement notification sent by the payment mechanism platform, where the claim settlement notification is generated by the payment mechanism platform after obtaining an insurance claim settlement fund paid by an insurance mechanism to the target customer; The payment mechanism platform is used for transferring funds of the target amount into a virtual transit account corresponding to the target client based on the target amount of the payment funds, transferring the funds of the target amount into a user account associated with the target client, and transferring the remaining claim funds into the virtual transit account, wherein the virtual transit account is opened by the payment mechanism platform for the target client and is invisible to the target client, and the remaining claim funds are the funds remaining after the funds of the target amount are deducted from the insurance claim funds; A cache success obtaining unit, configured to obtain a funds cache success notification sent by the payment mechanism platform, where the funds cache success notification indicates that the payment mechanism platform has transferred funds of the target amount to the virtual transfer account of the target client; And the deduction application unit is used for responding to the claim settlement notice and the funds cache success notice, initiating a deduction application to the payment mechanism platform, wherein the deduction application is used for requesting deduction of the target amount corresponding to the deduction funds from the insurance claim settlement funds of the target client, so that the payment mechanism platform transfers the funds in the virtual transit account of the target client to the account of the insurance service platform, and the insurance service platform obtains the corresponding refund of the deduction funds.

Description

Funds data processing method and device Technical Field The present application relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing funds data. Background In the process of medical insurance claim settlement, there is often a third party institution that pays a fee for an insured person or beneficiary to apply the insured person first, and after the insurer pays the insured person or beneficiary with the claim amount, the insured person or beneficiary returns the payed funds paid by the third party institution. After the third party organization pays funds for the insured person or beneficiary, if the insured person or beneficiary does not actively pay back the funds paid by the third party organization after obtaining the claim amount of the insurer, the third party organization is required to discuss the funds paid by the insured person or beneficiary, the complexity is higher, and the situation that the funds paid by the insured person or beneficiary cannot be recovered easily occurs, so that the funds security is lower. Disclosure of Invention In view of the above, the present application provides a method and apparatus for processing fund data, so as to improve the reliability of fund pad and reduce the fund security risk. In order to achieve the above object, the present application provides a method for processing fund data, which is applied to an insurance service platform, and includes: Obtaining filling order information, wherein the filling order information indicates client information of a target client filled with filling funds by a third party filling mechanism, the filling funds filled by the third party filling mechanism to the target client are filling funds which are obtained by the third party filling mechanism from the application of the insurance service platform, and the target client is a client which is authorized by the insurance service platform to deduct the filling funds from the claim amount of the target client through a payment mechanism platform; transmitting the pad order information to the payment mechanism platform; Obtaining a claim settlement notice sent by the payment mechanism platform, wherein the claim settlement notice is generated after the payment mechanism platform obtains insurance claim settlement funds paid by an insurance mechanism to the target client; and responding to the claim settlement notice, initiating a payment generation deduction application to the payment mechanism platform, wherein the payment generation deduction application is used for requesting to deduct a target amount corresponding to the payment funds from insurance claim settlement funds of the target client, so that the payment mechanism platform transfers the funds of the target amount into an account bound by the insurance service platform, and the insurance service platform obtains a return corresponding to the payment funds. In one possible implementation, the obtaining the pad order information includes: Obtaining a payment fund application initiated by a third party payment mechanism through a payment service platform, wherein the payment fund application carries the target amount of the payment fund for a target client and the client information of the target client; If the target client is confirmed to belong to the client authorized to deduct the money to be paid based on the client information of the target client, transferring the money of the target amount to an account of the third party paying mechanism; Generating a to-be-returned order corresponding to the third party filling mechanism and the target client, wherein the to-be-returned order comprises filling order information. In one possible implementation, before obtaining the pad order information, the method further includes: the method comprises the steps that a withholding authorization application sent by a payment service platform is obtained, wherein the withholding authorization application is generated after the payment service platform obtains a withholding authorization request initiated by a target client and confirms that the target client is completed after account opening operation of a payment mechanism platform, the withholding authorization application carries client information of the target client, and the target client is a user applying fund payment to a third party payment mechanism through the payment service platform; Responding to the deduction authorization application, sending an authorization flow call instruction to a payment mechanism platform, wherein the authorization flow call instruction carries the client information of the target client so as to finish the operation that the target client authorizes the deduction to pay funds to the security service platform through the payment mechanism platform; and obtaining an authorization success indication returned by the payment mechanism platform, determining the target client