WO2019196232A1 - Share redemption, transfer and payment based automatic withholding method and system for daily payment - Google Patents

Abstract

A share redemption, transfer and payment based automatic withholding method for daily payment, relating to the field of computer network technical services. The method primarily comprises the following steps: a system completing and judging, via a product component, whether a share of a user is enough to pay for a daily service bill; if so, then the system completing, via an order component, a redemption, transfer and payment operation of the share so as to complete automatic withholding of daily payment; and if not, then proceeding to process a task of the next user. The method solves the technical problem in the market that shares are never used to pay for daily services, facilitating the user paying daily service fees, improving the user experience and reducing the trading pressure for banks.

Description

Translated fromChinese

一种基于基金份额赎转付日常缴费的自动代扣方法及系统Automatic billing method and system based on fund share redemption and payment

本申请申明享有2018年4月10日递交的申请号为201810319792.7、名称为“一种基于基金份额赎转付日常缴费的自动代扣方法及系统”的中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。This application claims the priority of a Chinese patent application filed on April 10, 2018, with the application number 201810319792.7, entitled "Automatic Withholding Method and System for Redemption of Daily Payments Based on Fund Shares", the Chinese Patent Application The overall content is incorporated herein by reference.

技术领域Technical field

本申请涉及互联网服务技术领域，尤其涉及一种基于基金份额赎转付日常缴费的自动代扣方法及系统。The present application relates to the field of Internet service technologies, and in particular, to an automatic billing method and system for redeeming and paying daily payment based on fund shares.

背景技术Background technique

随着社会的发展及科技的不断进步，人们消费以及支付方式越来越多。在此其中，通过手机进行产品的购买已经司空见惯，用户甚至可以通过软件平台，在互联网中为日常生活中所需要的服务(如水、电、煤气等)进行缴费。With the development of society and the continuous advancement of technology, people consume more and more payment methods. Among them, the purchase of products through mobile phones has become commonplace, and users can even pay for the services (such as water, electricity, gas, etc.) required in daily life through the software platform.

尽管这些年来，不少支付软件推出了通过绑定借记卡等方式为日常生活的服务进行缴费，但是，对于那些将将自身多余的存款，应用于基金投资、理财中，用以收取一定收益的人们来说，往往不大方便。当用户借记卡中的余额不足时，部分用户会选择将基金进行赎回，从而换取现金用于日常缴费。Although in recent years, many payment software have introduced payment for daily life services by binding debit cards, etc., but for those who will use their extra deposits for fund investment and wealth management, to collect certain income. People are often not very convenient. When the balance in the user's debit card is insufficient, some users will choose to redeem the fund in exchange for cash for daily payment.

而在此情况下，用户往往现需要提前进行基金赎回等操作，待银行交易中心将赎回的金额打至用户购买基金所绑定的银行卡中，用户再通过将该金额转账至与日常缴费软件绑定的借记卡中，再进行缴费。这一系列的操作过于繁琐及复杂，使得大大降低用户体验，从而亦给银行交易带来压力。In this case, the user often needs to perform fund redemption operations in advance, and the bank transaction center will redeem the amount of the redemption to the bank card bound by the user purchase fund, and the user will transfer the amount to the daily The debit card bundled with the payment software is then paid. This series of operations is too cumbersome and complicated, which greatly reduces the user experience and thus puts pressure on bank transactions.

发明内容Summary of the invention

基于此，为了方便用户，大大提高用户体验，降低银行交易压力。有必要针对上述技术问题，提供一种基于基金份额赎转付日常缴费的自动代扣方法及系统，该方法及系统通过对用户的基金进行赎回转支付的操作，使用户直接在软件上进行操作，即可达到利用基金进行日常缴费的操作，大大提高用户体验。Based on this, in order to facilitate users, the user experience is greatly improved and the bank transaction pressure is reduced. It is necessary to provide an automatic billing method and system for redeeming and paying daily payment based on the fund share for the above technical problems, and the method and system enable the user to directly perform software on the software by performing a redemption payment operation on the user's fund. By operation, the operation of using the fund for daily payment can be achieved, and the user experience is greatly improved.

根据本申请的实施例，本申请提供了一种基于基金份额赎转付日常缴费的自动代扣方法，其中，系统是指运行本方法的主要执行系统，包含产品组件以及订单组件，所述产品组件是执行当月计划任务表、进行基金份额查询以及余额比对的组件，所述订单组件是执行基金份额赎转付日常缴费自动代扣的组件，商户是指与系统以及各第三方基金公司对接的软件平台，服务商是指管理用户日常缴费的软件平台，运营商是指为用户提供日常生活服务的公司，According to an embodiment of the present application, the present application provides an automatic billing method for redeeming a daily payment based on a fund share, wherein the system refers to a main execution system running the method, including a product component and an order component, the product The component is a component that performs a monthly task schedule, a fund share inquiry, and a balance comparison. The order component is a component for performing fund share redemption and automatic payment of daily payment, and the merchant refers to docking with the system and various third-party fund companies. The software platform, the service provider refers to the software platform that manages the daily payment of users, and the operator refers to the company that provides daily life services to users.

当用户接受自动代扣协议后，所述方法包括如下步骤：After the user accepts the automatic billing agreement, the method includes the following steps:

步骤1、产品组件轮询当月计划任务表，并将所述计划任务表中的首个计划任务作为当前计划任务；所述计划任务表，由当日产品组件根据自动代扣签约表自动生成；步骤2、产品组件执行所述当前计划任务，调用服务商账单查询接口，并发出账单查询请求；步骤3、服务商接收所述账单查询请求，调用运营商接口查询账单，并将账单查询结果作为第一查询结果发送给系统；步骤4、判断所述第一查询结果是否为空，若是，则执行步骤14；否则，由产品组件通过商户调用第三方基金公司基金份额查询接口，同时执行步骤5；步骤5、第三方基金公司查询用户可用基金份额，并将所述用户可用基金份额转换为可赎金额并作为第二查询结果发送给系统；步骤6、产品组件将所述第一查询结果与所述第二查询结果进行比对，若所述第二查询结果小于所述第一查询结果，则将所述当前计划任务状态修改为“余额不足”，并执行步骤14；否则，产品组件调用订单组件，同时产品组件执行步骤14，订单组件执行步骤7；步骤7、订单组件创建自动代扣订单，并调用服务商 订单创建接口，生成订单创建请求，发送给服务商；其中，所述自动代扣订单中包含订单状态；步骤8、服务商接收订单创建请求，创建订单，并生成订单创建结果，发送给订单组件；同时，调用运营商接口，锁定所述用户账单；步骤9、订单组件接收所述订单创建结果，判断所述订单创建结果是否为成功，若是，则更新所述订单状态为“订单创建成功”，并执行步骤10；否则，将所述计划任务状态以及所述订单状态修改为“异常”，并向系统发送警告信息，执行步骤14；步骤10、订单组件通过商户调用第三方基金公司支付接口，向第三方基金公司发送基金支付请求；所述基金支付请求中包含有所要支付的款项；步骤11、第三方基金公司接收所述基金支付请求后，对用户指定基金可用份额等值于所述基金支付请求中支付款项的份额进行代扣，并将支付结果返回给商户；商户接收所述支付结果后，通知系统；步骤12、订单组件更新所述订单状态，并向服务商通知订单支付结果；步骤13、服务商向运营商进行销账处理，并更新订单状态同步发送给系统；步骤14、检测所述计划任务表中是否有下一个计划任务，若有，则将所述下一个计划任务作为当前计划任务，返回执行步骤2；否则，结束本方法。Step 1. The product component polls the current month to schedule the task table, and uses the first scheduled task in the scheduled task table as the current scheduled task; the scheduled task table is automatically generated by the current product component according to the automatic withholding contract table; 2. The product component executes the current scheduled task, invokes the service provider billing query interface, and issues a billing query request; step 3, the service provider receives the billing query request, invokes the operator interface to query the bill, and uses the billing query result as the first a query result is sent to the system; step 4, determining whether the first query result is empty, and if so, executing step 14; otherwise, the product component calls the third party fund company fund share query interface through the merchant, and simultaneously performs step 5; Step 5: The third-party fund company queries the user's available fund share, and converts the user-usable fund share into a redeemable amount and sends it to the system as a second query result; step 6, the product component compares the first query result with the Comparing the second query result, if the second query result is smaller than the first query result Modifying the current scheduled task status to "Insufficient balance" and executing step 14; otherwise, the product component calls the order component, while the product component performs step 14, the order component performs step 7; step 7, the order component creates an automatic generation Deducting the order and calling the service provider order creation interface to generate an order creation request, which is sent to the service provider; wherein the automatic withholding order includes the order status; step 8, the service provider receives the order creation request, creates an order, and generates an order Creating a result, sending to the order component; at the same time, calling the operator interface, locking the user bill; step 9, the order component receiving the order creation result, determining whether the order creation result is successful, and if so, updating the order The status is "order created successfully", and step 10 is performed; otherwise, the scheduled task status and the order status are modified to "abnormal", and a warning message is sent to the system, step 14 is performed; step 10, the order component is passed through the merchant Calling a third-party fund company payment interface to send a base to a third-party fund company a payment request; the fund payment request includes a payment to be made; and step 11, after the third-party fund company receives the fund payment request, the share of the user-specified fund available share is equal to the share of the payment in the fund payment request. Performing a withholding and returning the payment result to the merchant; after receiving the payment result, the merchant notifies the system; step 12, the order component updates the order status, and notifies the service provider of the order payment result; step 13, the service provider moves to the operation The merchant performs the sales account processing, and the updated order status is synchronously sent to the system; Step 14, detecting whether there is a next scheduled task in the planned task table, and if so, the next scheduled task is taken as the current scheduled task, and the execution is returned. Step 2; otherwise, end the method.

根据本申请的实施例，提供了一种基于基金份额赎转付日常缴费的自动代扣系统，所述系统用于执行本申请中的任一个所述方法的步骤，所述系统包含产品组件、订单组件以及系统通用组件，According to an embodiment of the present application, there is provided an automatic custody system for redeeming a daily payment based on a fund share, the system for performing the steps of any of the methods of the present application, the system comprising a product component, Order components and system common components,

所述产品组件是执行当月计划任务表、进行基金份额查询以及余额比对的组件，包括数据提取模块、数据处理模块和通用模块；The product component is a component that executes a monthly task schedule, performs fund share inquiry, and balance comparison, and includes a data extraction module, a data processing module, and a general module;

所述订单组件是执行基金份额赎转付日常缴费自动代扣的组件，包括数据提取模块、数据处理模块和通用模块；The order component is a component for performing fund share redemption and automatic payment of daily payment, including a data extraction module, a data processing module and a general module;

所述系统通用组件是系统用于执行本申请的最基本组件，包括用于存储系统执行本方法所有数据、信息以及文件的数据库。The system generic component is the most basic component of the system for performing the present application, including a database for the storage system to perform all of the data, information, and files of the method.

根据本申请的实施例，提供了一种计算机可读存储介质，其中，所述计算机可读存储介质上存储有用于执行基于基金份额赎转付日常缴费的自动 代扣方法的程序，所述程序被处理器执行时，执行以下步骤的操作：According to an embodiment of the present application, there is provided a computer readable storage medium, wherein the computer readable storage medium stores a program for executing an automatic billing method for redeeming a daily payment based on a fund share, the program When executed by the processor, perform the following steps:

步骤1、产品组件轮询当月计划任务表，并将所述计划任务表中的首个计划任务作为当前计划任务；所述计划任务表，由当日产品组件根据自动代扣签约表自动生成；步骤2、产品组件执行所述当前计划任务，调用服务商账单查询接口，并发出账单查询请求；步骤3、服务商接收所述账单查询请求，调用运营商接口查询账单，并将账单查询结果作为第一查询结果发送给系统；步骤4、判断所述第一查询结果是否为空，若是，则执行步骤14；否则，由产品组件通过商户调用第三方基金公司基金份额查询接口，同时执行步骤5；步骤5、第三方基金公司查询用户可用基金份额，并将所述用户可用基金份额转换为可赎金额并作为第二查询结果发送给系统；步骤6、产品组件将所述第一查询结果与所述第二查询结果进行比对，若所述第二查询结果小于所述第一查询结果，则将所述当前计划任务状态修改为“余额不足”，并执行步骤14；否则，产品组件调用订单组件，同时产品组件执行步骤14，订单组件执行步骤7；步骤7、订单组件创建自动代扣订单，并调用服务商订单创建接口，生成订单创建请求，发送给服务商；其中，所述自动代扣订单中包含订单状态；步骤8、服务商接收订单创建请求，创建订单，并生成订单创建结果，发送给订单组件；同时，调用运营商接口，锁定所述用户账单；步骤9、订单组件接收所述订单创建结果，判断所述订单创建结果是否为成功，若是，则更新所述订单状态为“订单创建成功”，并执行步骤10；否则，将所述计划任务状态以及所述订单状态修改为“异常”，并向系统发送警告信息，执行步骤14；步骤10、订单组件通过商户调用第三方基金公司支付接口，向第三方基金公司发送基金支付请求；所述基金支付请求中包含有所要支付的款项；步骤11、第三方基金公司接收所述基金支付请求后，对用户指定基金可用份额等值于所述基金支付请求中支付款项的份额进行代扣，并将支付结果返回给商户；商户接收所述支付结果后，通知系统；步骤12、订单组件更新所述订单状态，并向服务商通知订单支付结果；步骤 13、服务商向运营商进行销账处理，并更新订单状态同步发送给系统；步骤14、检测所述计划任务表中是否有下一个计划任务，若有，则将所述下一个计划任务作为当前计划任务，返回执行步骤2；否则，结束本方法。Step 1. The product component polls the current month to schedule the task table, and uses the first scheduled task in the scheduled task table as the current scheduled task; the scheduled task table is automatically generated by the current product component according to the automatic withholding contract table; 2. The product component executes the current scheduled task, invokes the service provider billing query interface, and issues a billing query request; step 3, the service provider receives the billing query request, invokes the operator interface to query the bill, and uses the billing query result as the first a query result is sent to the system; step 4, determining whether the first query result is empty, and if so, executing step 14; otherwise, the product component calls the third party fund company fund share query interface through the merchant, and simultaneously performs step 5; Step 5: The third-party fund company queries the user's available fund share, and converts the user-usable fund share into a redeemable amount and sends it to the system as a second query result; step 6, the product component compares the first query result with the Comparing the second query result, if the second query result is smaller than the first query result Modifying the current scheduled task status to "Insufficient balance" and executing step 14; otherwise, the product component calls the order component, while the product component performs step 14, the order component performs step 7; step 7, the order component creates an automatic generation Deducting the order and calling the service provider order creation interface to generate an order creation request, which is sent to the service provider; wherein the automatic withholding order includes the order status; step 8, the service provider receives the order creation request, creates an order, and generates an order Creating a result, sending to the order component; at the same time, calling the operator interface, locking the user bill; step 9, the order component receiving the order creation result, determining whether the order creation result is successful, and if so, updating the order The status is "order created successfully", and step 10 is performed; otherwise, the scheduled task status and the order status are modified to "abnormal", and a warning message is sent to the system, step 14 is performed; step 10, the order component is passed through the merchant Call a third-party fund company payment interface to send funds to third-party fund companies a payment request; the fund payment request includes a payment to be made; and step 11, after the third-party fund company receives the fund payment request, the share of the user-specified fund available share is equal to the share of the payment in the fund payment request. Performing a withholding and returning the payment result to the merchant; after receiving the payment result, the merchant notifies the system; step 12, the order component updates the order status, and notifies the service provider of the order payment result; step 13, the service provider moves to the operation The merchant performs the sales account processing, and the updated order status is synchronously sent to the system; Step 14, detecting whether there is a next scheduled task in the planned task table, and if so, the next scheduled task is taken as the current scheduled task, and the execution is returned. Step 2; otherwise, end the method.

本申请的有益效果主要在于：针对市面上不同支付平台、基金公司、基金管理平台以及日常服务缴费平台、提供日常生活服务的公司等，通过用户与基金平台建立用户关系，使得用户可以直接利用相关软件，根据代扣协议，利用基金份额支付日常服务缴费，同时，大大提高用户体验，提高日常缴费的简便性。同时，整合日常生活服务缴费以及基金赎转付两大功能，易于后台维护，减少银行交易压力。The beneficial effects of the application are mainly: for the different payment platforms, fund companies, fund management platforms, daily service payment platforms, companies providing daily life services, etc., through the user and the fund platform to establish user relationships, so that users can directly use the relevant The software, according to the withholding agreement, uses the fund share to pay the daily service payment, and at the same time, greatly improves the user experience and improves the simplicity of daily payment. At the same time, it integrates the functions of daily life service payment and fund redemption and payment, which is easy to maintain in the background and reduces the pressure on bank transactions.

附图说明DRAWINGS

图1为根据本申请的实施例的一种基于基金份额赎转付日常缴费的自动代扣方法的基本流程示意图；FIG. 1 is a schematic diagram of a basic flow of an automatic billing method for redeeming a daily payment based on a fund share according to an embodiment of the present application; FIG.

图2为根据本申请的实施例的一种基于基金份额赎转付日常缴费的自动代扣方法的步骤S1700的具体流程示意图(S1701-S1703)；2 is a schematic flowchart of a step S1700 of an automatic billing method for redeeming a daily payment based on a fund share (S1701-S1703) according to an embodiment of the present application;

图3为根据本申请的实施例的一种基于基金份额赎转付日常缴费的自动代扣方法中步骤S000的具体流程示意图；3 is a schematic diagram of a specific process of step S000 in an automatic billing method for redeeming a daily payment based on a fund share according to an embodiment of the present application;

图4为根据本申请的实施例的一种基于基金份额赎转付日常缴费的自动代扣系统架构示意图；4 is a schematic diagram of an automatic billing system architecture based on fund share redemption and payment of daily payment according to an embodiment of the present application;

图5为根据本申请的实施例的一种基于基金份额赎转付日常缴费的自动代扣系统具体数据提取模块，数据处理模块和通用模块架构示意图；FIG. 5 is a schematic diagram of a data extraction module and a general module architecture of an automatic billing system based on fund share redemption and payment of daily payment according to an embodiment of the present application; FIG.

图6为根据本申请实施例的安装了应用程序的系统的运行环境的示意图。6 is a schematic diagram of an operating environment of a system in which an application is installed, according to an embodiment of the present application.

具体实施方式detailed description

下面，结合附图对技术方案的实施作进一步的详细描述。The implementation of the technical solution will be further described in detail below with reference to the accompanying drawings.

本领域的技术人员能够理解，尽管以下的说明涉及到有关本申请的实施例的很多技术细节，但这仅为用来说明本申请的原理的示例、而不意味着任何限制。本申请能够适用于不同于以下例举的技术细节之外的场合，只要它们不背离本申请的原理和精神即可。It will be understood by those skilled in the art that the following description is to be construed as illustrative of the embodiments of the invention. The present application can be applied to other than the technical details exemplified below, as long as they do not depart from the principles and spirit of the present application.

另外，为了避免使本说明书的描述限于冗繁，在本说明书中的描述中，可能对可在现有技术资料中获得的部分技术细节进行了省略、简化、变通等处理，这对于本领域的技术人员来说是可以理解的，并且这不会影响本说明书的公开充分性。In addition, in order to avoid limitation of the description of the present specification to the simplifications, in the description in the specification, some technical details that can be obtained in the prior art materials may be omitted, simplified, modified, etc., which is a technique in the art. It is understandable to the person and this does not affect the disclosure adequacy of this specification.

下文中，将描述用于进行本申请的实施例。Hereinafter, embodiments for carrying out the present application will be described.

1、发明构思的概要1. Summary of the inventive concept

本申请在于，由于用户在软件平台上进行日常生活服务缴费时无法直接通过基金操作进行缴费，使得如果用户借记卡或者软件中提供的“钱包”余额不足时，用户想要利用基金进行缴费这一系列的操作过于繁琐及复杂，大大降低用户体验，从而亦给银行交易带来压力，若无法如期完成缴费操作，亦会影响用户的日常生活。为解决前述技术问题，本申请基金赎转付的日常缴费自动代扣方法，整合基金、日常生活服务缴费以及自动代扣三大功能，用户只需同意自动代扣协议，系统可以直接帮助用户在产生生活服务费用账单后，利用基金份额自动代扣并支付日常生活服务账单，从而方便用户，大大提高用户体验，降低银行交易压力。The application is that, when the user pays the daily service payment on the software platform, the payment cannot be directly made through the fund operation, so that if the user's debit card or the "wallet" balance provided in the software is insufficient, the user wants to use the fund to pay the fee. A series of operations are too cumbersome and complicated, which greatly reduces the user experience, which also puts pressure on bank transactions. If the payment operation cannot be completed on time, it will affect the daily life of users. In order to solve the above technical problems, the automatic deduction method of the daily payment of the fund redemption and payment, the integrated fund, the daily service payment and the automatic withholding three functions, the user only needs to agree to the automatic withholding agreement, the system can directly help the user in After the bill for living service expenses is generated, the fund share is automatically withheld and paid for daily service bills, thereby facilitating users, greatly improving the user experience and reducing the pressure on bank transactions.

2、一种基于基金份额赎转付日常缴费的自动代扣方法(图1至图3)2. An automatic custody method based on fund share redemption and daily payment (Figure 1 to Figure 3)

鉴于现有技术中，不能直接利用基金份额进行日常生活服务缴费操作，本申请的实施例提出了能够有效地帮助并提高用户体验的日常缴费自动代扣方法。In view of the prior art, the daily share service payment operation cannot be directly utilized by the fund share, and the embodiment of the present application proposes a daily automatic payment deduction method capable of effectively helping and improving the user experience.

在实施例中，如图1所示，上述一种基于基金份额赎转付日常缴费的自动代扣方法主要包括以下步骤：In an embodiment, as shown in FIG. 1 , the above automatic crediting method for redeeming a daily payment based on a fund share mainly includes the following steps:

其中，系统是指运行本方法的主要执行系统，包含产品组件以及订单组 件，所述产品组件是执行当月计划任务表、进行基金份额查询以及余额比对的组件，所述订单组件是执行基金份额赎转付日常缴费自动代扣的组件，商户是指与系统以及各第三方基金公司对接的软件平台，服务商是指管理用户日常缴费的软件平台，运营商是指为用户提供日常生活服务的公司，Wherein, the system refers to a main execution system running the method, comprising a product component and an order component, wherein the product component is a component that executes a monthly task schedule, performs a fund share inquiry, and a balance comparison, and the order component is an execution fund share. The redemption and transfer of the daily payment automatic deduction component, the merchant refers to the software platform that interfaces with the system and various third-party fund companies. The service provider refers to the software platform that manages the daily payment of users, and the operator refers to the daily life service provided by the user. the company,

商户实际是对接不同第三方基金公司的手机软件app，主要为用户提供基金的相关服务，如基金产品的介绍、购买、推荐、管理等。服务商是指在市场中现有的整合管理用户日常生活缴费的软件平台；而运营商是指具体的提供水、电、煤气等服务的运营公司，如各地的国家电网、自来水集团等。本申请中的系统，主要指的是运行本方法的主要执行系统，用于为商户提供日常缴费接口。The merchant is actually a mobile phone software app that connects different third-party fund companies, mainly providing related services for the fund, such as introduction, purchase, recommendation, and management of fund products. The service provider refers to the existing software platform for integrating and managing the daily payment of users in the market; and the operator refers to the specific operating companies that provide services such as water, electricity and gas, such as the national grid and the water supply group. The system in this application mainly refers to the main execution system that runs the method, and is used to provide a daily payment interface for merchants.

需要说明的是，本申请中所述自动代扣的方法和流程，是针对多个用户的单一服务中的自动代扣流程，如多个用户的水费缴纳等。It should be noted that the method and the process of automatic billing described in the present application are automatic billing processes in a single service for multiple users, such as water fee payment of multiple users.

当用户接受自动代扣协议后，所述方法包括如下步骤：After the user accepts the automatic billing agreement, the method includes the following steps:

S100、产品组件轮询当月计划任务表，并将所述计划任务表中的首个计划任务作为当前计划任务；所述计划任务表，由当日产品组件根据自动代扣签约表自动生成；其中，当月计划任务表，是根据自动代扣签约计划表，自动生成，每月计划任务表中的计划任务是分为每天执行任务以及固定日期任务两种类型；自动代扣签约计划表是由用户与系统进行签约，用户同意系统为其自动代扣日常缴费，所有签约的用户将被列入自动代扣签约计划表中。系统需要每天凌晨轮询当月计划任务表，因为每个用户的执行任务日期不同，执行当月计划任务表中符合当日进行代扣计划的任务。S100: The product component polls the current month to schedule the task table, and the first scheduled task in the scheduled task table is used as the current scheduled task; the scheduled task table is automatically generated by the current product component according to the automatic withholding contract table; The monthly task schedule is automatically generated according to the automatic withholding contract schedule. The scheduled tasks in the monthly schedule task table are divided into two types: daily execution tasks and fixed date tasks; the automatic withholding contract schedule is created by the user and The system signs the contract, and the user agrees that the system automatically withholds the daily payment, and all the signed users will be included in the automatic withholding contract schedule. The system needs to poll the current month's scheduled task list every morning, because each user's execution task date is different, and the task in the current month's scheduled task table meets the current day's withholding plan.

即本步骤S100后，还包括如下步骤：That is, after step S100, the following steps are further included:

S100’、判断当前计划任务是否应当本日执行，若是，则执行S200；否则，将所述计划任务表中当前计划任务的下一个任务作为当前计划任务，执行S100’。其中，当月计划任务表中包含有计划任务执行日期、执行类型、用户信息等数据参数，系统通过判断任务的执行类型，来判断该用户是有固 定执行日期的用户还是需要每日执行的用户，对于有固定执行日期的用户，系统通过将当前系统日期与计划任务执行日期进行比对，判断当前所提取的计划任务是否应当执行；对于需要每日执行的用户，系统判定应当本日执行，并执行S200。S100', determining whether the current scheduled task should be executed today, if yes, executing S200; otherwise, executing the next task of the current scheduled task in the scheduled task table as the current scheduled task, executing S100'. The current month schedule task table includes data parameters such as a scheduled task execution date, an execution type, and user information. The system determines whether the user is a user with a fixed execution date or a user who needs to perform daily, by determining the execution type of the task. For users with a fixed execution date, the system compares the current system date with the scheduled task execution date to determine whether the currently extracted scheduled task should be executed. For users who need to perform daily execution, the system determines that it should be executed today and executed. S200.

S200、产品组件执行所述当前计划任务，调用服务商账单查询接口，并发出账单查询请求；其中，该步骤是查询该用户在服务商所支持的日常缴费项目中是否有需要代缴的账单，日常缴费指的是人们平时生活中所需要缴纳的水、电、电话、网络宽带、煤气等日常开支费用；当前计划任务中包含有用户信息等数据，产品组件执行所述当前任务的同时，提取当前计划任务中的用户信息(包括用户名、用户真实姓名等)以及缴费项目信息，在发出账单查询请求的同时，将用户信息以及缴费项目信息发送给服务商，即所述账单查询请求中包含所述用户信息以及缴费项目信息。S200: The product component executes the current scheduled task, invokes a service provider billing query interface, and issues a billing query request; wherein the step is to query whether the user has a bill to be paid in the daily payment item supported by the service provider. Daily payment refers to the daily expenses of water, electricity, telephone, network broadband, gas, etc. that people need to pay in their daily life; the current planning tasks include data such as user information, and the product components perform the current task while extracting The user information (including the user name, the user's real name, etc.) and the payment item information in the current scheduled task, and the user information and the payment item information are sent to the service provider at the same time as the bill inquiry request is issued, that is, the bill inquiry request includes The user information and payment item information.

S300、服务商接收所述账单查询请求，调用运营商接口查询账单，并将账单查询结果作为第一查询结果发送给系统；其中，所述步骤S300具体包括如下步骤：S301、服务商接收所述账单查询请求后，调用运营商账单查询接口，查询用户账单；S302、运营商将账单查询结果作为第一查询结果发送给服务商；S303、服务商接收所述第一查询结果，并发送给系统。需要说明的是，服务商在接收所述账单查询请求后，提取该请求中的用户信息以及缴费项目信息，调用相应缴费项目的运营商接口，发送账单查询请求，并接收运营商所发来的账单查询结果。服务商接收到运营商发来的账单查询结果后，会同步发送给系统，由系统对该账单结果进行解析判断。S300, the service provider receives the billing query request, invokes the operator interface to query the bill, and sends the billing query result to the system as the first query result. The step S300 specifically includes the following steps: S301: the service provider receives the After the billing query request, the operator billing query interface is invoked to query the user bill; S302, the operator sends the billing query result to the service provider as the first query result; S303, the service provider receives the first query result, and sends the result to the system . It should be noted that after receiving the bill inquiry request, the service provider extracts the user information and the payment item information in the request, invokes the operator interface of the corresponding payment item, sends a bill inquiry request, and receives the request from the operator. Billing query results. After receiving the billing result sent by the operator, the service provider will send the result to the system synchronously, and the system will analyze and judge the result of the bill.

S400、判断所述第一查询结果是否为空，若是，则执行S1900；否则，执行S500；其中，系统对所述第一查询结果进行判断，如果该查询结果为空，则代表该用户在本日暂无需要进行缴费的账单，则系统需要转至下一个计划任务，即执行S1900；否则，说明该查询结果不为空，该用户在本日有需要进行缴费的账单，则继续后续步骤，执行步骤S500。S400: Determine whether the first query result is empty, and if yes, execute S1900; otherwise, execute S500; wherein, the system determines the first query result, and if the query result is empty, the user is represented today If there is no bill for payment, the system needs to go to the next scheduled task, that is, execute S1900; otherwise, the result of the query is not empty. If the user has a bill for payment today, continue the next steps and perform the steps. S500.

S500、由产品组件通过商户调用第三方基金公司基金份额查询接口，同时执行S600。S500, the product component calls the third party fund company fund share inquiry interface through the merchant, and executes S600 at the same time.

S600、第三方基金公司查询用户可用基金份额，并将所述用户可用基金份额转换为可赎金额并作为第二查询结果发送给系统；其中，系统通过商户调用第三方基金公司的基金份额查询接口，发送基金份额查询请求(所述请求中包含用户信息等数据)，即系统调用商户基金份额查询接口，并发送基金份额查询请求，商户接收所述基金份额查询请求后调用第三方基金公司的基金份额查询接口，并发送基金份额查询请求，查询该用户名下的基金份额，第三方基金公司在查询用户可用基金份额后，发送给商户，同时由商户再同步发送给系统。S600, the third-party fund company queries the user's available fund share, and converts the available fund share of the user into a redeemable amount and sends it to the system as a second query result; wherein, the system calls the fund share inquiry interface of the third-party fund company through the merchant Sending a fund share inquiry request (the request includes user information and the like data), that is, the system calls the merchant fund share inquiry interface, and sends a fund share inquiry request, and the merchant calls the fund of the third-party fund company after receiving the fund share inquiry request. The share query interface sends a fund share query request to query the fund share under the user name. After the third-party fund company queries the available fund shares of the user, it sends it to the merchant, and the merchant resynchronizes and sends it to the system.

S700、产品组件将所述第一查询结果与所述第二查询结果进行比对，若所述第二查询结果小于所述第一查询结果，则执行S800；否则，执行S900；其中，系统对用户所需缴费的金额以及基金的可赎金额进行比对，如果用户名下基金的可赎金额大于用户所需缴费的金额，则可以进行后续步骤；否则，用户的基金可赎金额不足以缴纳用户生活缴费账单，则显示“余额不足”后，执行下一个计划任务，即执行S1900。S700, the product component compares the first query result with the second query result, if the second query result is smaller than the first query result, executing S800; otherwise, executing S900; wherein, the system is The amount of the user's required payment and the redemption amount of the fund are compared. If the redemption amount of the fund under the user name is greater than the amount of the user's required payment, the subsequent steps may be performed; otherwise, the user's fund redemption amount is insufficient to pay After the user's life payment bill shows "Insufficient balance", the next scheduled task is executed, that is, S1900 is executed.

S800、将所述当前计划任务状态修改为“余额不足”，并执行S1900。S800. Modify the current scheduled task status to “Insufficient Balance” and execute S1900.

S900、产品组件调用订单组件，同时产品组件执行S1900，订单组件执行S1000；其中，产品组件对于本计划任务的流程已经完成，产品组件需要转至执行下一个计划任务，即执行S1900。同时，后续流程由系统的订单组件并发执行，即产品组件在调用订单组件后，执行S1900，而订单组件开始执行S1000。S900, the product component invokes the order component, and the product component executes S1900, and the order component executes S1000; wherein the process of the product component for the scheduled task has been completed, and the product component needs to go to execute the next scheduled task, that is, execute S1900. At the same time, the subsequent process is executed concurrently by the order component of the system, that is, after the product component calls the order component, S1900 is executed, and the order component starts to execute S1000.

S1000、订单组件创建自动代扣订单，并调用服务商订单创建接口，生成订单创建请求，发送给服务商；其中，所述自动代扣订单中包含订单状态；其中，订单组件接受产品组件的调用，开始执行自动代扣的后续流程，即创建自动代扣订单，其中，所述自动代扣订单中包含有用户信息、用户缴费项 目、用户缴费金额等必要数据。订单组件在生成自动代扣订单后，调用服务商订单创建接口，生成订单创建请求并发送给服务商。其中，所述订单创建请求中包含有所述自动代扣订单中的必要数据，如用户信息、用户缴费项目以及用户缴费金额等。S1000, the order component creates an automatic withholding order, and invokes a service provider order creation interface, generates an order creation request, and sends the order creation request to the service provider; wherein the automatic withholding order includes an order status; wherein the order component accepts the call of the product component The automatic follow-up process is started, that is, an automatic withholding order is created, wherein the automatic withholding order includes necessary data such as user information, user payment items, and user payment amount. After the order component generates an automatic withholding order, it calls the service provider order creation interface, generates an order creation request and sends it to the service provider. The order creation request includes necessary data in the automatic billing order, such as user information, user payment items, and user payment amount.

S1100、服务商接收订单创建请求，创建订单，并生成订单创建结果，发送给订单组件；同时，调用运营商接口，锁定所述用户账单；其中，服务商根据订单创建请求中的数据，创建相应的订单，并生成订单创建结果发送给订单组件，同时，服务商调用运营商锁定用户账单，用于后续支付用户账单之用。S1100, the service provider receives the order creation request, creates an order, and generates an order creation result, which is sent to the order component; at the same time, the operator interface is invoked to lock the user bill; wherein the service provider creates a corresponding data according to the order creation request. The order is generated and the order creation result is sent to the order component. At the same time, the service provider invokes the operator to lock the user bill for subsequent payment of the user's bill.

S1200、订单组件接收所述订单创建结果，判断所述订单创建结果是否为成功，若是，则执行S1300；否则，执行S1400。S1200. The order component receives the order creation result, determines whether the order creation result is successful, and if yes, executes S1300; otherwise, executes S1400.

S1300、更新订单状态为“订单创建成功”，并执行S1500。S1300. The status of the updated order is “Order Creation Successfully”, and S1500 is executed.

S1400、将所述计划任务状态以及订单状态修改为“异常”，并向系统发送警告信息，执行S1900；其中，如果服务商订单创建失败，则系统需要将当前的计划任务状态以及自动代扣订单状态修改为异常，并通知系统后台，由后台管理人员进行处理，同时，订单组件流程至此结束，由系统的产品组件继续开始下一个计划任务。S1400, modifying the scheduled task status and the order status to “abnormal”, and sending a warning message to the system, executing S1900; wherein, if the service provider order creation fails, the system needs to state the current scheduled task status and the automatic withholding order The status is modified to be abnormal, and the system background is notified to be processed by the background manager. At the same time, the order component process ends, and the system component of the system continues to start the next scheduled task.

S1500、订单组件通过商户调用第三方基金公司支付接口，向第三方基金公司发送基金支付请求；所述基金支付请求中包含有所要支付的款项；其中，订单组件通过商户调用第三方基金公司的支付接口，并发送基金支付请求，其中，所述基金支付请求中包含有用户信息、用户所要支付的款项(即金额)等信息。S1500, the order component sends a fund payment request to the third-party fund company through the third-party fund company payment interface by the merchant; the fund payment request includes a payment to be paid; wherein the order component calls the payment of the third-party fund company through the merchant And sending a fund payment request, wherein the fund payment request includes user information, a payment (ie, an amount) that the user wants to pay, and the like.

S1600、第三方基金公司接收所述基金支付请求后，对用户指定基金可用份额等值于所述基金支付请求中支付款项的份额进行代扣，并将支付结果返回给商户；商户接收所述支付结果后，通知系统；其中，第三方基金公司在接收所述基金支付请求后，提取其中的用户信息以及需要支付的款项，将 所要支付款项转换为基金份额，在该用户的可用基金份额中进行代扣操作，无论该代扣结果是否成功，第三方基金公司都要将支付结果返回给商户，并由商户再通知系统。S1600. After receiving the fund payment request, the third-party fund company withholds the share of the user-defined fund available share equal to the payment amount in the fund payment request, and returns the payment result to the merchant; the merchant receives the payment. After the result, the notification system; wherein, after receiving the fund payment request, the third-party fund company extracts the user information and the payment to be paid, converts the payment to the fund share, and performs the fund share in the user. Withholding operation, regardless of whether the result of the withholding is successful, the third-party fund company shall return the payment result to the merchant, and the merchant shall notify the system.

S1700、订单组件更新所述订单状态，并向服务商通知订单支付结果；其中，订单组件根据支付结果，更新订单状态，并向服务商通知该订单支付结果。需要说明的是，如果订单组件所接收到的支付结果为支付成功，则订单组件在更新订单状态为支付成功后，并向服务商通知，亦可进行销账处理。如果订单组件所接收到的支付结果为支付失败，订单组件在更新订单状态为支付失败后，向服务商通知，服务商会向运营商进行用户账单解除锁定处理，并将计划任务状态修改为支付失败，同时记录失败原因，发送警告信息给系统后台，由后台管理人员查找异常原因。同时系统订单组件流程完成，系统产品组件开始下一个计划任务。进一步地，系统可以设定为仅在支付成功时向服务商进行通知，如果支付失败，则系统更新计划任务表中的计划任务状态为“支付失败”，而不通知服务商，由系统记录异常，记录异常原因并通知后台管理人员。S1700: The order component updates the order status, and notifies the service provider of the order payment result; wherein the order component updates the order status according to the payment result, and notifies the service provider of the order payment result. It should be noted that, if the payment result received by the order component is the payment success, the order component notifies the service provider after updating the order status, and can also perform the sales account processing. If the payment result received by the order component is a payment failure, the order component notifies the service provider after the update order status is the payment failure, the service provider performs the user bill unlocking process to the operator, and changes the scheduled task status to the payment failure. At the same time, the reason for the failure is recorded, and a warning message is sent to the background of the system, and the background manager finds the cause of the abnormality. At the same time, the system order component process is completed and the system product component begins the next scheduled task. Further, the system may be configured to notify the service provider only when the payment is successful. If the payment fails, the status of the scheduled task in the system update plan task table is “payment failure” without notifying the service provider, and the system records the abnormality. , record the cause of the exception and notify the back office administrator.

S1800、服务商向运营商进行销账处理，并更新订单状态同步发送给系统。S1800, the service provider performs sales accounting processing to the operator, and updates the order status and sends it to the system synchronously.

S1900、检测所述计划任务表中是否有下一个计划任务，若有，则执行S2000；否则，结束本方法。其中，步骤S1900由系统产品组件完成，系统订单组件在准备开始执行S1900时，会停止执行，并调用系统产品组件，由系统产品组件执行S1900。S1900: Detect whether there is a next scheduled task in the scheduled task table, and if yes, execute S2000; otherwise, end the method. Wherein, step S1900 is completed by the system product component, and when the system order component is ready to start executing S1900, the execution is stopped, and the system product component is called, and the system product component executes S1900.

S2000、将所述下一个计划任务作为当前计划任务，返回执行S200。S2000: The next scheduled task is taken as the current scheduled task, and the process returns to S200.

根据本申请的实施例，上述一种基于基金份额赎转付日常缴费的自动代扣方法中所述步骤S1500具体包括如下步骤：S1501：订单组件调用商户免密支付接口，并生成商户支付请求；其中，系统与商户提前签订有免密支付协议，使得在系统中同一自动代扣协议的用户，系统可以调用商户的免密支 付接口，来直接调用第三方基金公司的支付接口。其中，所述商户支付请求中，包含有用户信息、用户所要支付的款项(即金额)、用户基金信息等信息。S1502：商户接收所述商户支付请求后，调用第三方基金公司支付接口，同时生成基金支付请求发送给第三方基金公司；其中，商户在接收所述商户支付请求后，提取该请求中的用户信息、用户所要支付的款项以及用户基金信息等数据，生成基金支付请求，调用第三方基金公司支付接口，并发送所述基金支付请求。According to the embodiment of the present application, the step S1500 described in the above-mentioned automatic billing method for redeeming the daily payment based on the fund share specifically includes the following steps: S1501: the order component invokes the merchant-free payment interface, and generates a merchant payment request; Among them, the system and the merchant have signed a secret payment agreement in advance, so that the user of the same automatic withholding agreement in the system can call the merchant's secret payment interface to directly call the payment interface of the third-party fund company. The merchant payment request includes user information, a payment (ie, amount) of the user, and user fund information. S1502: After receiving the merchant payment request, the merchant invokes a third-party fund company payment interface, and generates a fund payment request to be sent to the third-party fund company; wherein, after receiving the merchant payment request, the merchant extracts the user information in the request The data to be paid by the user, the user fund information and the like, generate a fund payment request, call a third party fund company payment interface, and send the fund payment request.

根据本申请的实施例，所述S1800具体包括如下步骤：S1801：服务商向运营商发送账单销账请求，在接收到运营商发送的“销账成功”信息后，更新订单状态，并将订单状态信息同步发送给系统；S1802：系统接收所述订单状态信息，更改订单状态为“支付成功”。According to an embodiment of the present application, the S1800 specifically includes the following steps: S1801: The service provider sends a billing request to the operator, and after receiving the “successful sales” information sent by the operator, the order status is updated, and the order is updated. The status information is synchronously sent to the system; S1802: The system receives the order status information, and changes the order status to “Payment Successful”.

其中，需要说明的是，如果订单组件所接收到的支付结果为支付成功，则订单组件在更新订单状态为支付成功后，并向服务商通知，亦可进行销账处理。如果订单组件所接收到的支付结果为支付失败，订单组件在更新订单状态为支付失败后，向服务商通知，服务商会向运营商进行用户账单解除锁定处理，并将计划任务状态修改为支付失败，同时记录失败原因，发送警告信息给系统后台，由后台管理人员查找异常原因。同时系统订单组件流程完成，系统产品组件开始下一个计划任务。It should be noted that if the payment result received by the order component is the payment success, the order component notifies the service provider after the payment order status is the payment success, and can also perform the sales account processing. If the payment result received by the order component is a payment failure, the order component notifies the service provider after the update order status is the payment failure, the service provider performs the user bill unlocking process to the operator, and changes the scheduled task status to the payment failure. At the same time, the reason for the failure is recorded, and a warning message is sent to the background of the system, and the background manager finds the cause of the abnormality. At the same time, the system order component process is completed and the system product component begins the next scheduled task.

在实施例中，所述步骤S400具体包括如下步骤：S401、判断所述第一查询结果是否为空，若是，则执行S1900；否则，执行S402；S402、由产品组件调用商户基金份额查询接口，并生成基金查询请求，商户接收所述基金份额查询请求后，调用第三方基金公司基金份额查询接口，同时执行S600。In the embodiment, the step S400 specifically includes the following steps: S401: determining whether the first query result is empty, if yes, executing S1900; otherwise, executing S402; S402, calling the merchant fund share query interface by the product component, And generating a fund inquiry request, after the merchant receives the fund share inquiry request, the third party fund company fund share inquiry interface is invoked, and the S600 is executed at the same time.

在实施例中，如图2所示，上述一种基于基金份额赎转付日常缴费的自动代扣方法中所述S1700之后，还包括如下步骤：S1701、判断所述订单结果是否为成功，若是，则执行S1702；否则，执行S1703；S1702、更新所述计划任务状态为“支付成功”，调用服务商支付通知接口，发送“支付成功” 信息，并执行S1800；S1703、将所述计划任务状态修改为“支付失败”，同时记录失败原因，发送警告信息，并执行S1900。In the embodiment, as shown in FIG. 2, after the foregoing S1700 in the automatic billing method for redeeming the daily payment based on the fund share, the method further includes the following steps: S1701: determining whether the order result is successful, if And executing S1702; otherwise, executing S1703; S1702, updating the scheduled task status to "payment success", calling the service provider payment notification interface, transmitting "payment success" information, and executing S1800; S1703, setting the scheduled task status Change to "Payment Failed", record the reason for the failure, send a warning message, and execute S1900.

在实施例中，上述一种基于基金份额赎转付日常缴费的自动代扣方法中当用户接受自动代扣协议后，所述方法(S100-S2000)执行前，还包括如下步骤：S000、用户根据自动代扣协议，与商户签约，商户将用户信息等数据添加进当月计划任务表。In an embodiment, the foregoing method for automatically charging the daily payment based on the fund share redemption and payment of the daily payment method, after the user accepts the automatic billing agreement, before the method (S100-S2000) is executed, the method further includes the following steps: S000, the user According to the automatic withholding agreement, the merchant signs the contract, and the merchant adds the user information and other data to the current month's scheduled task list.

在实施例中，如图3所示，上述一种基于基金份额赎转付日常缴费的自动代扣方法中所述S000具体包括如下步骤：In an embodiment, as shown in FIG. 3, the foregoing S000 in the automatic billing method for redeeming the daily payment based on the fund share specifically includes the following steps:

a、系统接收用户签约请求后，查询当月计划任务表以及用户签约记录；其中，该步骤a用户在自动代扣签约页面中点击并同意自动代扣签约协议后开始执行。a. After receiving the user signing request, the system queries the current month scheduled task table and the user subscription record; wherein, the step a user starts executing after clicking and agreeing to the automatic billing signing agreement in the automatic billing signing page.

b、根据用户签约记录以及当月计划任务表中的信息，判断用户是否进行过签约以及缴费，若用户已经签约过，则执行b1；若用户在商户上进行过缴费，但是没有签约，则执行b2；若用户既未缴费亦未签约，则执行i；其中，只有当用户与系统签约后，系统才能执行后续S100-S2000，故此步骤b是为了检测用户是否已经进行了签约。b. According to the user's contract record and the information in the scheduled task list for the current month, determine whether the user has signed the contract and paid the fee. If the user has already signed the contract, execute b1; if the user has paid the fee on the merchant but does not sign the contract, execute b2 If the user has neither paid nor signed the contract, execute i; wherein, after the user signs the contract with the system, the system can execute the subsequent S100-S2000, so step b is to detect whether the user has signed the contract.

b1、显示用户信息，结束S000；其中，如果用户已经进行了签约，则此处只需要向用户显示其用户信息以及签约信息等必要信息即可，并完成本流程S000，无需再进行签约。进一步地，在已经签约的用户详情页面中，可以显示解约选项，如果用户点击解约代扣，则提示用户“您确定要解约自动缴费计划吗”，如果用户点击确认，则系统跳转至懒人计划页面，并更新签约状态；如果用户点击否，则重进回到用户详情页面。B1: Display user information, and end S000; wherein, if the user has already signed the contract, only necessary information such as user information and subscription information needs to be displayed to the user, and the process S000 is completed, and no signing is required. Further, in the already signed user details page, the cancellation option may be displayed. If the user clicks on the cancellation, the user is prompted to "Are you sure to cancel the automatic payment plan?", if the user clicks the confirmation, the system jumps to the lazy person. Plan the page and update the contract status; if the user clicks No, re-enter the user details page.

b2、向用户显示“是否开通”信息，执行c。B2. Display the message “Don't open” to the user and execute c.

c、接收用户开通自动代扣计划请求，调用支付密码录入页面，执行d；其中，一旦用户点击确认开通信息，会自动生成开通自动代扣计划请求，系统接收用户的开通自动代扣计划请求，开始开通自动代扣计划。其中，所述 自动代扣计划请求中包含有基本的用户信息，如用户的姓名、用户ID、用户联系方式(邮箱、手机号码)等。c. Receiving the user to open the automatic withholding plan request, calling the payment password entry page, and executing d; wherein, once the user clicks to confirm the opening information, the automatic automatic withholding plan request is automatically generated, and the system receives the user's automatic automatic withholding plan request. Start the automatic withholding plan. The automatic billing plan request includes basic user information, such as a user's name, user ID, and user contact information (mailbox, mobile phone number).

d、接收用户支付密码录入，并进行密码校验，若密码输入正确，则执行e；否则，返回重新执行d；其中，系统先进行用户支付密码校验，如果密码输入正确，则可以继续进行后续流程，否则，需要用户重新输入密码。优选地，系统中包含有计数器，如果用户支付密码的次数到达一定次数，则不再返回执行d，而是系统向用户显示“密码多次输入错误”信息，并返回自动代扣计划签约页面。进一步地，系统在调起支付密码录入页面前，可以对本次用户签约行为进行风控校验，所述风控校验可以是现有技术中任何一种风控校验策略，在此不再赘述。当风控校验成功后，系统调起支付密码录入页面，开始后续流程；若风控校验不成功，则直接回调系统结果通知接口，由系统来判断签约结果是否成功。d. Receive user payment password input and perform password verification. If the password is entered correctly, execute e; otherwise, return to re-execute d; wherein, the system first performs user payment password verification. If the password is entered correctly, it can continue. Follow-up process, otherwise, the user is required to re-enter the password. Preferably, the system includes a counter. If the number of times the user pays the password reaches a certain number of times, the system does not return to execute d, but the system displays the message “Password multiple input error” to the user, and returns to the automatic billing plan contract page. Further, before the system prompts the payment password entry page, the system may perform a wind control check on the current user subscription behavior, and the wind control check may be any wind control verification strategy in the prior art. Let me repeat. After the wind control verification is successful, the system adjusts the payment password entry page to start the follow-up process; if the wind control verification is unsuccessful, the system returns the system result notification interface directly, and the system determines whether the contract result is successful.

e、向用户发送验证码，并接收用户录入的验证码，执行e1；其中，此处发送验证码，可以是由系统通过邮件的方式向用户发送，也可以是系统通过短信的形式发送，需要说明的是，系统所发送验证码的地址，是依据用户基本信息中，用户之前所填入的邮箱或者手机号码。优选地，此处发送验证码还可以由用户进行选择，系统可以向用户展示用户注册时所填写的邮箱地址以及手机号码，用户可以选择利用之前注册所填写的前述联系方式发送验证码，亦可以通过重新填写邮箱地址或者手机号码来发送验证码。其中，如果用户需要重新填写邮箱地址或者手机号码，系统需要进行安全性校验。e. Send a verification code to the user, and receive the verification code entered by the user, and execute e1; wherein the verification code is sent here by the system to send the message to the user, or the system sends the message through the form of a short message. It is stated that the address of the verification code sent by the system is based on the mailbox or mobile phone number that the user has previously filled in according to the basic information of the user. Preferably, the verification code sent here can also be selected by the user, and the system can display the email address and the mobile phone number filled in by the user when the user registers, and the user can choose to send the verification code by using the foregoing contact information filled in by the previous registration, or Send a verification code by refilling your email address or mobile number. If the user needs to re-fill the email address or mobile phone number, the system needs to perform security check.

e1、判断验证码是否录入正确，若是，则执行f；否则返回重新执行e；其中，如果用户输入的验证码正确，那么系统可以继续后续流程，如果所填写的验证码错误，系统需要重新返回执行e，重新发送验证码。优选地，系统中包含有计数器，如果用户多次填写验证码不正确，到达一定次数，则不再返回执行e，而是系统向用户显示“验证码多次输入错误”信息，并返回自动代扣计划签约页面。E1, judge whether the verification code is entered correctly, if yes, execute f; otherwise, return to re-execute e; wherein, if the verification code input by the user is correct, the system can continue the subsequent process, if the verification code filled in is wrong, the system needs to return Execute e to resend the verification code. Preferably, the system includes a counter. If the user fills in the verification code multiple times and reaches a certain number of times, the system does not return to execute e, but the system displays the message “the verification code is input multiple times incorrectly” to the user, and returns to the automatic generation. Deduction plan signing page.

f、生成结果，并回调系统结果通知接口，执行f1。f. Generate the result and call back the system result notification interface to execute f1.

f1、判断所述结果是否成功，若成功，则执行g；否则，返回执行c；需要说明的是，通过校验，系统可能成功生成签约结果，也可能由于无法通过风控校验，从而生成的签约结果中显示签约失败，或者因为异常导致签约失败。此时，需要系统对签约所生成的结果进行判断，如果签约成功，则执行g，否则，签约失败，重新返回自动代扣计划签约页面。F1, determining whether the result is successful, if successful, executing g; otherwise, returning to execute c; it should be noted that, by verification, the system may successfully generate a contract result, or may not be able to pass the wind control check, thereby generating The signing result shows that the signing failed, or the signing failed due to the abnormality. At this time, the system needs to judge the result generated by the contract. If the signing is successful, execute g. Otherwise, the signing fails, and return to the automatic withholding plan signing page.

g、将用户信息增添至当月计划任务表，同时向客户显示“代扣计划签约成功”的信息，执行h。g. Add the user information to the current month's scheduled task list, and display the information of the “withholding plan signing success” to the customer and execute h.

h、页面跳转至代扣计划签约界面，同时更新所述代扣计划签约状态，并结束S000。h. The page jumps to the withholding plan signing interface, and simultaneously updates the withholding plan signing status, and ends S000.

i、显示需要缴费的服务，由用户进行选择，执行j。i. Display the service that needs to be paid, and the user selects and executes j.

j、接收用户选择的缴费请求后，调用服务商缴费接口，进行缴费，并执行b。其中，对于没有签约过亦没有使用过日常缴费功能的用户，想要使用本系统提供的自动代扣功能，需要先进行缴费，缴费后方可进行开通。如果用户选择了缴费项目后，系统调用服务商缴费接口进行缴费流程后，此时，用户处于已缴费但未签约状态，从而执行b。j. After receiving the payment request selected by the user, call the service provider payment interface, perform payment, and execute b. Among them, for users who have not signed up or used the daily payment function, if they want to use the automatic withholding function provided by the system, they need to pay the fee first, and then they can start the payment. If the user selects the payment item, the system calls the service provider payment interface to perform the payment process. At this time, the user is in the paid but not signed status, thereby executing b.

3、一种基于基金份额赎转付日常缴费的自动代扣系统(图4-图5)3.An automatic withholding system based on fund share redemption and daily payment (Figure 4-5)

参照图1至3，根据本申请的实施例，一种基于基金份额赎转付日常缴费的自动代扣系统用于执行本申请中的任一个所述方法的步骤，如图4所示，所述系统包含产品组件100、订单组件200以及系统通用组件300，Referring to Figures 1 to 3, in accordance with an embodiment of the present application, an automatic custody system for redeeming a daily payment based on a fund share is used to perform the steps of any of the methods of the present application, as shown in Figure 4, The system includes aproduct component 100, anorder component 200, and a systemgeneric component 300.

所述产品组件100是执行当月计划任务表、进行基金份额查询以及余额比对的组件，包括数据提取模块1000、数据处理模块2000和通用模块3000；Theproduct component 100 is a component that performs a monthly task schedule, a fund share query, and a balance comparison, and includes adata extraction module 1000, adata processing module 2000, and a general module 3000;

所述订单组件200是执行基金份额赎转付日常缴费自动代扣的组件，包括数据提取模块1000、数据处理模块2000和通用模块3000；Theorder component 200 is a component for performing fund share redemption and payment of daily payment automatic billing, and includes adata extraction module 1000, adata processing module 2000, and a universal module 3000;

所述系统通用组件300是系统用于执行本申请的最基本组件，包括用于存储系统执行本方法所有数据、信息以及文件的数据库4000；The systemcommon component 300 is the most basic component of the system for performing the present application, and includes a database 4000 for storing all data, information and files of the method for the storage system;

其中，如图5所示，Wherein, as shown in Figure 5,

所述数据提取模块1000，用于提取和/或获取文件以及请求中的数据，并根据所提取的数据，在其他文件中进行查询，并提取相应信息；所述数据提取模块1000包括：用于在文件以及信息中查询数据的查询模块1001；以及用于在文件以及请求中提取和/或获取数据以及信息的提取模块1002；Thedata extraction module 1000 is configured to extract and/or acquire files and data in the request, and perform query in other files according to the extracted data, and extract corresponding information; thedata extraction module 1000 includes: a query module 1001 for querying data in files and information; and an extraction module 1002 for extracting and/or acquiring data and information in files and requests;

所述数据处理模块2000，用于根据数据提取模块所提取出来的数据，进行数据筛选以及进行数据转换操作，生成请求以及报文通知，并用于对相应数据进行解析判断；所述数据处理模块2000包括：用于生成各请求、报文通知并进行状态更新的处理模块2001；以及用于进行数据解析及判断操作以及用于进行数据筛选操作的解析判断模块2002；Thedata processing module 2000 is configured to perform data filtering and data conversion operations according to the data extracted by the data extraction module, generate a request and a message notification, and perform parsing and determining the corresponding data; thedata processing module 2000 The method includes: a processing module 2001 for generating each request, message notification, and status update; and an analysis and determination module 2002 for performing data analysis and determination operations and for performing a data filtering operation;

所述通用模块3000，用于进行定时计时操作，调用第三方软件接口及页面，传送输出并接收数据、请求以及各报文通知；所述通用模块3000包括：The universal module 3000 is configured to perform a timing timing operation, invoke a third-party software interface and a page, and transmit and output data, a request, and a message notification. The universal module 3000 includes:

用于进行所有定时、计时操作的定时器模块3001；以及用于调用第三方软件接口以及页面的调用模块3002；以及用于输出、传送系统数据、请求以及报文通知的输出模块3003；以及用于接收数据、报文通知、各请求的输入模块3004。a timer module 3001 for performing all timing and timing operations; and a calling module 3002 for calling a third-party software interface and a page; and an output module 3003 for outputting, transmitting system data, request, and message notification; The input module 3004 receives data, message notification, and each request.

此外，本申请的不同实施例也可以通过软件模块或存储在一个或多个计算机可读介质上的计算机可读指令的方式实现，其中，所述计算机可读指令是当被处理器或设备组件执行时，执行本申请所述的不同的实施例。类似地，软件模块、计算机可读介质和硬件部件的任意组合都是本申请预期的。所述软件模块可以被存储在任意类型的计算机可读存储介质上，例如RAM、EPROM、EEPROM、闪存、寄存器、硬盘、CD-ROM、DVD等等。Furthermore, various embodiments of the present application can also be implemented by a software module or computer readable instructions stored on one or more computer readable medium, where the computer readable instructions are when When executed, the various embodiments described herein are performed. Similarly, any combination of software modules, computer readable media, and hardware components are contemplated by the present application. The software modules can be stored on any type of computer readable storage medium such as RAM, EPROM, EEPROM, flash memory, registers, hard disk, CD-ROM, DVD, and the like.

4、根据本申请的实施例的安装了应用程序的系统(图6)4. An application-installed system according to an embodiment of the present application (Fig. 6)

参照图6，其示出了根据本申请实施例的安装了应用程序的系统的运行环境。Referring to Figure 6, there is shown an operating environment of a system in which an application is installed in accordance with an embodiment of the present application.

在本实施例中，所述的安装应用程序的系统安装并运行于电子装置中。 所述电子装置可以是桌上型计算机、笔记本、掌上电脑及服务器等计算设备。该电子装置可包括但不限于存储器、处理器及显示器。图6仅示出了具有上述组件的电子装置，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。In this embodiment, the system for installing the application is installed and runs in the electronic device. The electronic device may be a computing device such as a desktop computer, a notebook, a palmtop computer, or a server. The electronic device can include, but is not limited to, a memory, a processor, and a display. Figure 6 shows only the electronic device having the above components, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.

所述存储器在一些实施例中可以是所述电子装置的内部存储单元，例如该电子装置的硬盘或内存。所述存储器在另一些实施例中也可以是所述电子装置的外部存储设备，例如所述电子装置上配备的插接式硬盘，智能存储卡(Smart Media Card，SMC)，安全数字(Secure Digital，SD)卡，闪存卡(Flash Card)等。进一步地，所述存储器还可以既包括所述电子装置的内部存储单元也包括外部存储设备。所述存储器用于存储安装于所述电子装置的应用软件及各类数据，例如所述安装应用程序的系统的程序代码等。所述存储器还可以用于暂时地存储已经输出或者将要输出的数据。The memory may be an internal storage unit of the electronic device, such as a hard disk or memory of the electronic device, in some embodiments. The memory may also be an external storage device of the electronic device in other embodiments, such as a plug-in hard disk equipped on the electronic device, a smart memory card (SMC), and a secure digital (Secure Digital) , SD) card, flash card (Flash Card), etc. Further, the memory may also include both an internal storage unit of the electronic device and an external storage device. The memory is used to store application software installed on the electronic device and various types of data, such as program code of the system in which the application is installed. The memory can also be used to temporarily store data that has been output or is about to be output.

所述处理器在一些实施例中可以是中央处理单元(Central Processing Unit，CPU)、微处理器或其他数据处理芯片，用于运行所述存储器中存储的程序代码或处理数据，例如执行所述安装应用程序的系统等。The processor may, in some embodiments, be a central processing unit (CPU), a microprocessor, or other data processing chip for executing program code or processing data stored in the memory, such as performing the Install the application's system, etc.

所述显示器在一些实施例中可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED(Organic Light-Emitting Diode，有机发光二极管)触摸器等。所述显示器用于显示在所述电子装置中处理的信息以及用于显示可视化的客户界面，例如应用菜单界面、应用图标界面等。所述电子装置的部件通过系统总线相互通信。The display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch sensor, or the like in some embodiments. The display is for displaying information processed in the electronic device and a client interface for displaying visualizations, such as an application menu interface, an application icon interface, and the like. The components of the electronic device communicate with one another via a system bus.

通过以上的实施方式的描述，本领域的技术人员可以清楚地了解，上述实施方式中的方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件来实现，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算 机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the method in the foregoing embodiment can be implemented by means of software plus a necessary general hardware platform, and can also be implemented by hardware, but in many cases. The former is a better implementation. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk, The optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

也就是说，根据本申请的实施例，还提供了一种计算机可读存储介质，所述计算机可读存储介质上存储有用于执行一种基于基金份额赎转付日常缴费的自动代扣方法的程序，所述程序被处理器执行时，执行根据本申请的实施例的所述基于基金份额赎转付日常缴费的自动代扣方法的步骤。That is, according to an embodiment of the present application, there is also provided a computer readable storage medium having stored thereon an automatic billing method for performing a daily payment based on fund share redemption And a program, when the program is executed by the processor, performing the step of automatically charging the daily payment based on the fund share redemption method according to an embodiment of the present application.

由上，将理解，为了说明的目的，这里已描述了本申请的具体实施例，但是，可作出各个修改，而不会背离本申请的范围。本领域的技术人员将理解，流程图步骤中所绘出或这里描述的操作和例程可以多种方式变化。更具体地，可重新安排步骤的次序，可并行执行步骤，可省略步骤，可包括其它步骤，可作出例程的各种组合或省略。因而，本申请仅由所附权利要求限制。It will be understood that the specific embodiments of the present invention have been described herein for the purpose of illustration, but the various modifications may be made without departing from the scope of the application. Those skilled in the art will appreciate that the operations and routines depicted in the flowchart steps or described herein can be varied in many ways. More specifically, the order of the steps may be rearranged, the steps may be performed in parallel, the steps may be omitted, other steps may be included, various combinations or omissions of routines may be made. Accordingly, the application is limited only by the accompanying claims.

Claims (17)

Translated fromChinese

一种基于基金份额赎转付日常缴费的自动代扣方法，其中，通过执行系统运行本方法，所述系统包含产品组件以及订单组件，所述产品组件是执行当月计划任务表、进行基金份额查询以及余额比对的组件，所述订单组件是执行基金份额赎转付日常缴费自动代扣的组件，其特征在于，当用户接受自动代扣协议后，所述方法包括如下步骤：An automatic billing method for redeeming a daily payment based on a fund share, wherein the method runs the method, the system includes a product component and an order component, and the product component executes a monthly task schedule and performs a fund share inquiry. And a component of the balance comparison, wherein the order component is a component for performing a fund share redemption and automatic payment of the daily payment, wherein the method comprises the following steps after the user accepts the automatic billing agreement:步骤1、产品组件轮询当月计划任务表，并将所述计划任务表中的首个计划任务作为当前计划任务；所述计划任务表，由当日产品组件根据自动代扣签约表自动生成；步骤2、产品组件执行所述当前计划任务，调用服务商账单查询接口，并发出账单查询请求；步骤3、服务商接收所述账单查询请求，调用运营商接口查询账单，并将账单查询结果作为第一查询结果发送给系统；步骤4、判断所述第一查询结果是否为空，若是，则执行步骤14；否则，由产品组件通过商户调用第三方基金公司基金份额查询接口，同时执行步骤5；步骤5、第三方基金公司查询用户可用基金份额，并将所述用户可用基金份额转换为可赎金额并作为第二查询结果发送给系统；步骤6、产品组件将所述第一查询结果与所述第二查询结果进行比对，若所述第二查询结果小于所述第一查询结果，则将所述当前计划任务状态修改为“余额不足”，并执行步骤14；否则，产品组件调用订单组件，同时产品组件执行步骤14，订单组件执行步骤7；步骤7、订单组件创建自动代扣订单，并调用服务商订单创建接口，生成订单创建请求，发送给服务商；其中，所述自动代扣订单中包含订单状态；步骤8、服务商接收订单创建请求，创建订单，并生成订单创建结果，发送给订单组件；同时，调用运营商接口，锁定所述用户账单；步骤9、订单组件接收所述订单创建结果，判断所述订单创建结果是否为成功，若是，则更新所述订单状态为“订单创建成功”，并执行步骤10；否则，将所述计划任务状态以及所述订单状态修改为“异常”，并向系统发 送警告信息，执行步骤14；步骤10、订单组件通过商户调用第三方基金公司支付接口，向第三方基金公司发送基金支付请求；所述基金支付请求中包含有所要支付的款项；步骤11、第三方基金公司接收所述基金支付请求后，对用户指定基金可用份额等值于所述基金支付请求中支付款项的份额进行代扣，并将支付结果返回给商户；商户接收所述支付结果后，通知系统；步骤12、订单组件更新所述订单状态，并向服务商通知订单支付结果；步骤13、服务商向运营商进行销账处理，并更新订单状态同步发送给系统；步骤14、检测所述计划任务表中是否有下一个计划任务，若有，则将所述下一个计划任务作为当前计划任务，返回执行步骤2；否则，结束本方法。Step 1. The product component polls the current month to schedule the task table, and uses the first scheduled task in the scheduled task table as the current scheduled task; the scheduled task table is automatically generated by the current product component according to the automatic withholding contract table; 2. The product component executes the current scheduled task, invokes the service provider billing query interface, and issues a billing query request; step 3, the service provider receives the billing query request, invokes the operator interface to query the bill, and uses the billing query result as the first a query result is sent to the system; step 4, determining whether the first query result is empty, and if so, executing step 14; otherwise, the product component calls the third party fund company fund share query interface through the merchant, and simultaneously performs step 5; Step 5: The third-party fund company queries the user's available fund share, and converts the user-usable fund share into a redeemable amount and sends it to the system as a second query result; step 6, the product component compares the first query result with the Comparing the second query result, if the second query result is smaller than the first query result Modifying the current scheduled task status to "Insufficient balance" and executing step 14; otherwise, the product component calls the order component, while the product component performs step 14, the order component performs step 7; step 7, the order component creates an automatic generation Deducting the order and calling the service provider order creation interface to generate an order creation request, which is sent to the service provider; wherein the automatic withholding order includes the order status; step 8, the service provider receives the order creation request, creates an order, and generates an order Creating a result, sending to the order component; at the same time, calling the operator interface, locking the user bill; step 9, the order component receiving the order creation result, determining whether the order creation result is successful, and if so, updating the order The status is "order created successfully", and step 10 is performed; otherwise, the scheduled task status and the order status are modified to "abnormal", and a warning message is sent to the system, step 14 is performed; step 10, the order component is passed through the merchant Calling a third-party fund company payment interface to send a base to a third-party fund company a payment request; the fund payment request includes a payment to be made; and step 11, after the third-party fund company receives the fund payment request, the share of the user-specified fund available share is equal to the share of the payment in the fund payment request. Performing a withholding and returning the payment result to the merchant; after receiving the payment result, the merchant notifies the system; step 12, the order component updates the order status, and notifies the service provider of the order payment result; step 13, the service provider moves to the operation The merchant performs the sales account processing, and the updated order status is synchronously sent to the system; Step 14, detecting whether there is a next scheduled task in the planned task table, and if so, the next scheduled task is taken as the current scheduled task, and the execution is returned. Step 2; otherwise, end the method.根据权利要求1所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，所述步骤3包括如下步骤：步骤301：服务商接收所述账单查询请求后，调用运营商账单查询接口，查询用户账单；步骤302：运营商将账单查询结果作为第一查询结果发送给服务商；步骤303：服务商接收所述第一查询结果，并发送给系统。The automatic billing method for redeeming a daily payment based on a fund share according to claim 1, wherein the step 3 comprises the following steps: Step 301: After receiving the billing query request, the service provider invokes the operation. The business billing query interface queries the user bill; Step 302: The operator sends the billing query result to the service provider as the first query result; Step 303: The service provider receives the first query result and sends the result to the system.根据权利要求1所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，所述步骤10具体包括如下步骤：步骤1001：订单组件调用商户免密支付接口，并生成商户支付请求；步骤1002：商户接收所述商户支付请求后，调用第三方基金公司支付接口，同时生成基金支付请求发送给第三方基金公司。The automatic billing method for redeeming a daily payment based on the fund share according to claim 1, wherein the step 10 specifically includes the following steps: Step 1001: The order component invokes a merchant-free payment interface and generates The merchant pays the request; Step 1002: After receiving the merchant payment request, the merchant calls the third-party fund company payment interface, and generates a fund payment request and sends the fund payment request to the third-party fund company.根据权利要求1所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，所述步骤13包括如下步骤：步骤1301：服务商向运营商发送账单销账请求，在接收到运营商发送的“销账成功”信息后，更新订单状态，并将订单状态信息同步发送给系统；步骤1302：系统接收所述订单状态信息，更改订单状态为“支付成功”。The automatic billing method for redeeming a daily payment based on the fund share according to claim 1, wherein the step 13 comprises the following steps: Step 1301: The service provider sends a billing request to the operator, After receiving the "successful sales" information sent by the operator, the order status is updated, and the order status information is synchronously sent to the system; step 1302: The system receives the order status information, and changes the order status to "payment successful".根据权利要求1所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，所述步骤4包括如下步骤：步骤401、判断所述第一 查询结果是否为空，若是，则执行步骤14；否则，执行步骤402；步骤402、由产品组件调用商户基金份额查询接口，并生成基金查询请求，商户接收所述基金份额查询请求后，调用第三方基金公司基金份额查询接口，同时执行步骤5。An automatic billing method for redeeming a daily payment based on a fund share according to claim 1, wherein the step 4 includes the following steps: Step 401: Determine whether the first query result is empty, if If yes, go to step 402; otherwise, execute step 402; step 402, call the merchant fund share query interface by the product component, and generate a fund query request, and after the merchant receives the fund share query request, call the third party fund company fund share query interface. At the same time, perform step 5.根据权利要求1所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，所述步骤12之后，还包括如下步骤：判断所述订单结果是否为成功，若是，则更新所述计划任务状态为“支付成功”，调用服务商支付通知接口，发送“支付成功”信息，并执行步骤13；否则，将所述计划任务状态修改为“支付失败”，同时记录失败原因，发送警告信息，并执行步骤14。The automatic billing method for redeeming a daily payment based on the fund share according to claim 1, wherein after the step 12, the method further comprises the following steps: determining whether the order result is successful, and if so, Updating the scheduled task status to “Payment Success”, calling the service provider payment notification interface, sending “payment success” information, and performing step 13; otherwise, modifying the scheduled task status to “payment failure”, and recording the reason for the failure , send a warning message and go to step 14.根据权利要求1所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，当用户接受自动代扣协议后，在步骤1之前还包括如下步骤：步骤000、用户根据自动代扣协议，与商户签约，商户将用户信息等数据添加进当月计划任务表。The automatic billing method for redeeming and paying daily payment based on the fund share according to claim 1, wherein after the user accepts the automatic billing agreement, the method further includes the following steps: step 000, the user according to the step Automatic billing agreement, signing with the merchant, the merchant adds data such as user information to the current month's scheduled task list.根据权利要求7所述的一种基于基金份额赎转付日常缴费的自动代扣方法，其特征在于，所述步骤000具体包括如下步骤：a、系统接收用户签约请求后，查询当月计划任务表以及用户签约记录；b、根据用户签约记录以及当月计划任务表中的信息，判断用户是否进行过签约以及缴费，若用户已经签约过，则显示用户信息，结束步骤000；若用户在商户上进行过缴费，但是没有签约，则向用户显示“是否开通”信息，执行c；若用户既未缴费亦未签约，则执行i；c、接收用户开通自动代扣计划请求，调用支付密码录入页面，执行d；d、接收用户支付密码录入，并进行密码校验，若密码输入正确，则执行e；否则，返回重新执行d；e、向用户发送验证码，并接收用户录入的验证码；若验证码录入正确，则执行f；否则返回重新执行e；f、生成结果，并回调系统结果通知接口，判断所述结果是否成功，若成功，则执行g；否则，返回执行c；g、将用户信息增添至当月计划任务表，同时 向客户显示“代扣计划签约成功”的信息，执行h；h、页面跳转至代扣计划签约界面，同时更新所述代扣计划签约状态，并结束步骤000；i、显示需要缴费的服务，由用户进行选择，执行j；j、接收用户选择的缴费请求后，调用服务商缴费接口，进行缴费，并执行b。The automatic billing method for redeeming and paying daily payment based on the fund share according to claim 7, wherein the step 000 specifically includes the following steps: a. After receiving the user signing request, the system queries the current month scheduled task table. And the user subscription record; b. According to the user subscription record and the information in the scheduled task table of the current month, determine whether the user has signed the contract and paid the fee, if the user has signed the contract, the user information is displayed, and the step 000 is ended; if the user performs the business on the merchant If the payment is over, but the contract is not signed, the user is displayed with the message "Do you want to open", and c is executed; if the user has neither paid nor signed the contract, execute i; c, receive the user to open the automatic withholding plan request, and call the payment password entry page. Execute d;d, receive the user's payment password, and perform password verification. If the password is entered correctly, execute e; otherwise, return to re-execute d; e, send the verification code to the user, and receive the verification code entered by the user; If the verification code is entered correctly, execute f; otherwise, return to re-execute e; f, generate the result, and call back the system result. Knowing the interface, judging whether the result is successful, if successful, executing g; otherwise, returning to execute c; g, adding user information to the current month's scheduled task list, and simultaneously displaying the information of "withholding plan signing success" to the client, executing h; h, the page jumps to the withholding plan signing interface, simultaneously updates the signing status of the withholding plan, and ends step 000; i, displays the service that needs to be paid, the user selects, executes j; j, receives the user selection After the payment request, call the service provider payment interface, make a payment, and execute b.一种基于基金份额赎转付日常缴费的自动代扣系统，其特征在于，所述系统包含产品组件、订单组件以及系统通用组件，An automatic brokerage system based on fund share redemption and payment of daily payment, characterized in that the system comprises a product component, an order component and a system common component.所述产品组件是执行当月计划任务表、进行基金份额查询以及余额比对的组件，包括数据提取模块、数据处理模块和通用模块；The product component is a component that executes a monthly task schedule, performs fund share inquiry, and balance comparison, and includes a data extraction module, a data processing module, and a general module;所述订单组件是执行基金份额赎转付日常缴费自动代扣的组件，包括数据提取模块、数据处理模块和通用模块；The order component is a component for performing fund share redemption and automatic payment of daily payment, including a data extraction module, a data processing module and a general module;所述系统通用组件是系统用于执行本申请的最基本组件，包括用于存储系统执行本方法所有数据、信息以及文件的数据库；The system common components are the most basic components of the system for performing the present application, including a database for storing all data, information, and files of the method for the storage system;其中，所述数据提取模块用于提取和/或获取文件以及请求中的数据，并根据所提取的数据，在其他文件中进行查询，并提取相应信息；所述数据提取模块包括：用于在文件以及信息中查询数据的查询模块；以及用于在文件以及请求中提取和/或获取数据以及信息的提取模块；The data extraction module is configured to extract and/or acquire files and data in the request, and perform query in other files according to the extracted data, and extract corresponding information; the data extraction module includes: a query module for querying data in the file and the information; and an extraction module for extracting and/or obtaining data and information in the file and the request;其中，所述数据处理模块用于根据数据提取模块所提取出来的数据，进行数据筛选以及进行数据转换操作，生成请求以及报文通知，并用于对相应数据进行解析判断；所述数据处理模块包括：用于生成各请求、报文通知并进行状态更新的处理模块；以及用于进行数据解析及判断操作以及用于进行数据筛选操作的解析判断模块；The data processing module is configured to perform data filtering and data conversion operations according to the data extracted by the data extraction module, generate a request and a message notification, and perform parsing and determining the corresponding data; the data processing module includes a processing module for generating each request, message notification, and status update; and an analysis and determination module for performing data analysis and determination operations and for performing a data filtering operation;其中，所述通用模块用于进行定时计时操作，调用第三方软件接口及页面，传送输出并接收数据、请求以及各报文通知；所述通用模块包括：用于进行所有定时、计时操作的定时器模块；用于调用第三方软件接口以及页面的调用模块；用于输出、传送系统数据、请求以及报文通知的输出模块；以及用于接收数据、报文通知、各请求的输入模块。The universal module is configured to perform a timing timing operation, invoke a third-party software interface and a page, and transmit and receive data and requests, and each message notification; the universal module includes: timing for performing all timing and timing operations. a module for invoking a third-party software interface and a page; an output module for outputting, transmitting system data, a request, and a message notification; and an input module for receiving data, message notification, and each request.一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有用于执行基于基金份额赎转付日常缴费的自动代扣方法的程序，所述程序被处理器执行时，执行以下步骤的操作：A computer readable storage medium, wherein the computer readable storage medium stores a program for executing an automatic billing method for redeeming a daily payment based on a fund share, the program being executed by a processor The following steps:步骤1、产品组件轮询当月计划任务表，并将所述计划任务表中的首个计划任务作为当前计划任务；所述计划任务表，由当日产品组件根据自动代扣签约表自动生成；步骤2、产品组件执行所述当前计划任务，调用服务商账单查询接口，并发出账单查询请求；步骤3、服务商接收所述账单查询请求，调用运营商接口查询账单，并将账单查询结果作为第一查询结果发送给系统；步骤4、判断所述第一查询结果是否为空，若是，则执行步骤14；否则，由产品组件通过商户调用第三方基金公司基金份额查询接口，同时执行步骤5；步骤5、第三方基金公司查询用户可用基金份额，并将所述用户可用基金份额转换为可赎金额并作为第二查询结果发送给系统；步骤6、产品组件将所述第一查询结果与所述第二查询结果进行比对，若所述第二查询结果小于所述第一查询结果，则将所述当前计划任务状态修改为“余额不足”，并执行步骤14；否则，产品组件调用订单组件，同时产品组件执行步骤14，订单组件执行步骤7；步骤7、订单组件创建自动代扣订单，并调用服务商订单创建接口，生成订单创建请求，发送给服务商；其中，所述自动代扣订单中包含订单状态；步骤8、服务商接收订单创建请求，创建订单，并生成订单创建结果，发送给订单组件；同时，调用运营商接口，锁定所述用户账单；步骤9、订单组件接收所述订单创建结果，判断所述订单创建结果是否为成功，若是，则更新所述订单状态为“订单创建成功”，并执行步骤10；否则，将所述计划任务状态以及所述订单状态修改为“异常”，并向系统发送警告信息，执行步骤14；步骤10、订单组件通过商户调用第三方基金公司支付接口，向第三方基金公司发送基金支付请求；所述基金支付请求中包含有所要支付的款项；步骤11、第三方基金公司接收所述基金支付请求后，对用户指定基金可用份额等值于所述基金支付请求中支付款项的份额进行 代扣，并将支付结果返回给商户；商户接收所述支付结果后，通知系统；步骤12、订单组件更新所述订单状态，并向服务商通知订单支付结果；步骤13、服务商向运营商进行销账处理，并更新订单状态同步发送给系统；步骤14、检测所述计划任务表中是否有下一个计划任务，若有，则将所述下一个计划任务作为当前计划任务，返回执行步骤2；否则，结束本方法。Step 1. The product component polls the current month to schedule the task table, and uses the first scheduled task in the scheduled task table as the current scheduled task; the scheduled task table is automatically generated by the current product component according to the automatic withholding contract table; 2. The product component executes the current scheduled task, invokes the service provider billing query interface, and issues a billing query request; step 3, the service provider receives the billing query request, invokes the operator interface to query the bill, and uses the billing query result as the first a query result is sent to the system; step 4, determining whether the first query result is empty, and if so, executing step 14; otherwise, the product component calls the third party fund company fund share query interface through the merchant, and simultaneously performs step 5; Step 5: The third-party fund company queries the user's available fund share, and converts the user-usable fund share into a redeemable amount and sends it to the system as a second query result; step 6, the product component compares the first query result with the Comparing the second query result, if the second query result is smaller than the first query result Modifying the current scheduled task status to "Insufficient balance" and executing step 14; otherwise, the product component calls the order component, while the product component performs step 14, the order component performs step 7; step 7, the order component creates an automatic generation Deducting the order and calling the service provider order creation interface to generate an order creation request, which is sent to the service provider; wherein the automatic withholding order includes the order status; step 8, the service provider receives the order creation request, creates an order, and generates an order Creating a result, sending to the order component; at the same time, calling the operator interface, locking the user bill; step 9, the order component receiving the order creation result, determining whether the order creation result is successful, and if so, updating the order The status is "order created successfully", and step 10 is performed; otherwise, the scheduled task status and the order status are modified to "abnormal", and a warning message is sent to the system, step 14 is performed; step 10, the order component is passed through the merchant Call a third-party fund company payment interface to send funds to third-party fund companies a payment request; the fund payment request includes a payment to be made; and step 11, after the third-party fund company receives the fund payment request, the share of the user-specified fund available share is equal to the share of the payment in the fund payment request. Performing a withholding and returning the payment result to the merchant; after receiving the payment result, the merchant notifies the system; step 12, the order component updates the order status, and notifies the service provider of the order payment result; step 13, the service provider moves to the operation The merchant performs the sales account processing, and the updated order status is synchronously sent to the system; Step 14, detecting whether there is a next scheduled task in the planned task table, and if so, the next scheduled task is taken as the current scheduled task, and the execution is returned. Step 2; otherwise, end the method.根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤3包括如下步骤：步骤301：服务商接收所述账单查询请求后，调用运营商账单查询接口，查询用户账单；步骤302：运营商将账单查询结果作为第一查询结果发送给服务商；步骤303：服务商接收所述第一查询结果，并发送给系统。The computer readable storage medium according to claim 10, wherein the step 3 comprises the following steps: Step 301: After receiving the billing query request, the service provider invokes an operator billing query interface to query a user bill; 302: The operator sends the billing query result to the service provider as the first query result. Step 303: The service provider receives the first query result and sends the result to the system.根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤10具体包括如下步骤：步骤1001：订单组件调用商户免密支付接口，并生成商户支付请求；步骤1002：商户接收所述商户支付请求后，调用第三方基金公司支付接口，同时生成基金支付请求发送给第三方基金公司。The computer readable storage medium according to claim 10, wherein the step 10 comprises the following steps: Step 1001: The order component invokes a merchant-free payment interface and generates a merchant payment request; Step 1002: The merchant receives the location After the merchant pays the request, the third-party fund company payment interface is invoked, and the fund payment request is generated and sent to the third-party fund company.根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤13包括如下步骤：步骤1301：服务商向运营商发送账单销账请求，在接收到运营商发送的“销账成功”信息后，更新订单状态，并将订单状态信息同步发送给系统；步骤1302：系统接收所述订单状态信息，更改订单状态为“支付成功”。The computer readable storage medium according to claim 10, wherein the step 13 comprises the following steps: Step 1301: The service provider sends a billing request to the operator, and receives the "successful payment" sent by the operator. After the information, the order status is updated, and the order status information is synchronously sent to the system; Step 1302: The system receives the order status information and changes the order status to "Payment Successful".根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤4包括如下步骤：步骤401、判断所述第一查询结果是否为空，若是，则执行步骤14；否则，执行步骤402；步骤402、由产品组件调用商户基金份额查询接口，并生成基金查询请求，商户接收所述基金份额查询请求后，调用第三方基金公司基金份额查询接口，同时执行步骤5。The computer readable storage medium according to claim 10, wherein the step 4 comprises the following steps: Step 401: Determine whether the first query result is empty, and if yes, perform step 14; otherwise, perform steps 402. Step 402: The product component invokes the merchant fund share query interface, and generates a fund query request. After the merchant receives the fund share query request, the third-party fund company fund share query interface is invoked, and step 5 is performed at the same time.根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤12之后，还包括如下步骤：判断所述订单结果是否为成功，若是，则 更新所述计划任务状态为“支付成功”，调用服务商支付通知接口，发送“支付成功”信息，并执行步骤13；否则，将所述计划任务状态修改为“支付失败”，同时记录失败原因，发送警告信息，并执行步骤14。The computer readable storage medium according to claim 10, wherein after the step 12, the method further comprises the steps of: determining whether the order result is successful, and if yes, updating the scheduled task status to "payment success" The service provider payment notification interface is invoked, the "payment success" message is sent, and step 13 is performed; otherwise, the scheduled task status is modified to "payment failure", the failure reason is recorded, a warning message is sent, and step 14 is performed.根据权利要求10所述的计算机可读存储介质，其特征在于，当用户接受自动代扣协议后，在步骤1之前还包括如下步骤：步骤000、用户根据自动代扣协议，与商户签约，商户将用户信息等数据添加进当月计划任务表。The computer readable storage medium according to claim 10, wherein after the user accepts the automatic billing agreement, the method further includes the following steps: step 000: the user signs a contract with the merchant according to the automatic billing agreement, the merchant Add data such as user information to the current month schedule task table.根据权利要求16所述的计算机可读存储介质，其特征在于，所述步骤000具体包括如下步骤：a、系统接收用户签约请求后，查询当月计划任务表以及用户签约记录；b、根据用户签约记录以及当月计划任务表中的信息，判断用户是否进行过签约以及缴费，若用户已经签约过，则显示用户信息，结束步骤000；若用户在商户上进行过缴费，但是没有签约，则向用户显示“是否开通”信息，执行c；若用户既未缴费亦未签约，则执行i；c、接收用户开通自动代扣计划请求，调用支付密码录入页面，执行d；d、接收用户支付密码录入，并进行密码校验，若密码输入正确，则执行e；否则，返回重新执行d；e、向用户发送验证码，并接收用户录入的验证码；若验证码录入正确，则执行f；否则返回重新执行e；f、生成结果，并回调系统结果通知接口，判断所述结果是否成功，若成功，则执行g；否则，返回执行c；g、将用户信息增添至当月计划任务表，同时向客户显示“代扣计划签约成功”的信息，执行h；h、页面跳转至代扣计划签约界面，同时更新所述代扣计划签约状态，并结束步骤000；i、显示需要缴费的服务，由用户进行选择，执行j；j、接收用户选择的缴费请求后，调用服务商缴费接口，进行缴费，并执行b。The computer readable storage medium according to claim 16, wherein the step 000 specifically comprises the following steps: a. After receiving the user subscription request, the system queries the current scheduled task list and the user subscription record; b, according to the user signing Record and the information in the scheduled task list for the current month, determine whether the user has signed the contract and pay the fee. If the user has already signed the contract, the user information is displayed, and the step 000 is ended; if the user has paid the fee on the merchant but does not sign the contract, the user is Display "opened" information, execute c; if the user has neither paid nor signed, execute i; c, receive the user to open the automatic withholding plan request, call the payment password entry page, execute d; d, receive the user's payment password input And perform password verification. If the password is entered correctly, execute e; otherwise, return to re-execute d; e, send the verification code to the user, and receive the verification code entered by the user; if the verification code is entered correctly, execute f; otherwise Return to re-execute e;f, generate the result, and call back the system result notification interface to determine whether the result is If the success is successful, execute g; otherwise, return to execute c; g, add the user information to the current month's scheduled task list, and display the information of the “withholding plan signing success” to the customer, execute h; h, page jump to The billing plan signing interface, simultaneously updating the signing status of the withholding plan, and ending step 000; i, displaying the service that needs to be paid, the user selects, executes j; j, receives the payment request selected by the user, and then invokes the service provider Pay the interface, make a payment, and execute b.

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