CN101231727A - Electric cheque paying method and implementing system thereof - Google Patents
Electric cheque paying method and implementing system thereof Download PDFInfo
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- CN101231727A CN101231727A CNA200810066099XA CN200810066099A CN101231727A CN 101231727 A CN101231727 A CN 101231727A CN A200810066099X A CNA200810066099X A CN A200810066099XA CN 200810066099 A CN200810066099 A CN 200810066099A CN 101231727 A CN101231727 A CN 101231727A
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Abstract
The invention provides an electronic check payment method and an implementation system thereof. The method comprises the following steps: after a bank system receives information that a drawer terminal asks for writing an electronic check, the requesting amount of the check to be drawn is verified, and a two-dimensional code containing the information about the amount of the check to be drawn is generated and transmitted; the drawer terminal attaches the two-dimensional code image to the electronic check, and transmits the two-dimensional code image to the bank system; the bank system reads and encodes the two-dimensional code image; if the decoded information conforms to the information recorded in the bank system, the amount of the check requested to be drawn is transferred to the account of a check-taker. The implementation system comprises the bank system and the drawer terminal having the electronic check bearing and transfer function, and is used for completing the payment course of the electronic check. The method and the implementation system provided by the invention ensure the security of the payment course, and reduce the processing cost of the check as well as increase the check processing speed.
Description
Technical field
The present invention relates to communication technical field, relate in particular to a kind of electric cheque paying method and realization system thereof.
Background technology
The conventional checks method of payment is: the client fills in the papery blank check, gives the drawee with check after signing and sealing, and the drawee carries out the interbank clearing by drawee bank by bank money settlement center after giving receipts ticket bank with check again.
As shown in Figure 1, the method for payment of conventional checks is:
Step 10, the check drawer is given to the drawee after opening the check of certain amount of money;
Step 11, the drawee holds this check and cashes to receiving ticket bank;
Step 12, receipts ticket bank takes the clearing center requests with this check and cashes;
Step 13, bank of issue is handed to this check in the clearing center;
Bank of issue verifies this check information, and whether for example verify whether check drawer's account balance can satisfy information that payment and this check provide correct etc.;
Step 14, if the bank of issue checking is passed through, then bank of issue is paid to the clearing center;
Step 15, clearing center are delivered to pay and are received ticket bank, finish paying by check.
By above-mentioned paying by check method as seen, there is following deficiency in this method of payment:
1, check processing cost height: the payment process of conventional checks needs a large amount of artificial treatment, and the drawee also must can handle payment transaction to bank;
2, the check processing speed is slow: after the drawee receives check, can realize cashing by receipts ticket bank, clearing center, bank of issue successively.Like this, the drawee is from receiving check to realizing that cashing the needed time was generally 2～3 days, and a large amount of funds in float is brought many losses to the drawee;
3, check is easy to be forged, be easy to produce kite bill: the drawee is after receiving the check that the check drawer opens, have only successively by receiving ticket bank, clearing center, can knowing the true and false of this check and whether be kite bill that to bank of issue this method of payment unavoidably can produce forged check and kite bill again.
Summary of the invention
For this reason, technical matters to be solved by this invention is: a kind of electric cheque paying method and realization system thereof are provided, and the security of the process of guaranteeing payment reduces the check processing cost and accelerates the check processing speed.
So, the invention provides a kind of electric cheque paying method, this method comprises:
Step a after banking system receives that check drawer's terminal request is signed and issued eCheck information, verifies this request account amount of money of drawing a bill, if the account amount of money satisfy the payment terms, then generate and send and include the draw a bill two-dimension code of amount information of request;
Step b after check drawer's terminal is received the two-dimension code that has the amount information of drawing a bill that banking system sends, attaches to this image in 2 D code and sends to banking system on the eCheck;
Step c after banking system is received the described eCheck that is pasted with image in 2 D code, distinguishes described image in 2 D code and decoding, if decoded information meets the information that banking system has write down, the request that then will need the to pay amount of money of drawing a bill transfers drawee's account.
This method also comprises:
In step a,, then freeze this request amount of money of drawing a bill if check drawer's account amount of money satisfies the payment terms; In step c, if decoded information meets the information that banking system has write down, the amount of money of then the described request of freezing being drawn a bill transfers drawee's account.
This method also comprises:
Before step a, banking system is offered corresponding eCheck account for check drawer's account;
In step a, when banking system verified that the described request account amount of money of drawing a bill satisfies the payment terms, the request amount of money of will drawing a bill transferred described eCheck account; In step c, when banking system was paid, the amount of money that needs are paid transferred drawee's account from the eCheck account.
This method also comprises:
In step a, the request amount of money of will drawing a bill transfers corresponding eCheck account and freezes this amount of money; In step c, when banking system is paid, the described eCheck account amount of money that freezes is transferred check drawer's account from the eCheck account.
Wherein, described step b comprises:
After check drawer's terminal is received the two-dimension code that has the amount information of drawing a bill of banking system transmission,, and send to the computer that is used to fill in eCheck by two-dimensional code identifier recognition image in 2 D code;
On computers described image in 2 D code is attached to and sends to banking system on the eCheck.
Wherein, described step b comprises:
After check drawer's terminal is received the two-dimension code that has the amount information of drawing a bill that banking system sends, described image in 2 D code sent to include the payment terminal that is used to pay the fees of filling in the eCheck that finishes;
Be attached at the above image in 2 D code of payment terminal and send to banking system on the eCheck.
This method also comprises:
Steps d, banking system is drawn a bill described request after the amount of money transfers drawee's account, notifies the check drawer by the mode of mobile phone short message.
The present invention also provides a kind of system that realizes the eCheck payment, and this system comprises: banking system and the check drawer's terminal that has eCheck carrying transfer function; Wherein, banking system comprises:
Receiving element is used to receive check drawer's terminal request and signs and issues eCheck information, and is used to receive the eCheck that is pasted with image in 2 D code;
Authentication unit is used for checking and asks to draw a bill the account amount of money;
Generation unit is drawn a bill the account amount of money when satisfying payment when request, is used to generate include the draw a bill two-dimension code of amount information of request;
Transmitting element is used to send described two-dimension code;
Recognition decoding check and correction unit is used for the eCheck that is pasted with image in 2 D code that receives is distinguished and decoded, and the information that decoded information and banking system have been write down compares;
The unit of transferring accounts, if decoded information meets the information that banking system has write down, the amount of money of then request being drawn a bill transfers drawee's account;
Described check drawer's terminal comprises:
Receiving element is used to receive two-dimension code;
Processing unit, the described image in 2 D code that is used for receiving attaches to eCheck;
Transmitting element, the eCheck that is used for being pasted with described image in 2 D code sends to banking system.
Wherein, described banking system also comprises: freeze the unit, be used for drawing a bill the amount of money when satisfying payment when request, the request the freezed corresponding request amount of money of drawing a bill of drawing a bill in the account.
Wherein, described check drawer's terminal is mobile communication terminal, computer or the payment terminal that has eCheck carrying transfer function.
Wherein, described check drawer's terminal is made of the mobile communication terminal that can receive two-dimension code, two-dimensional code identifier and the computer that has an eCheck carrying transfer function, two-dimensional code identifier comprises recognition unit and transmitting element, the recognition unit is used to distinguish the two-dimension code that mobile communication terminal receives, transmitting element be used for will recognition image in 2 D code take place to computer, described computer is used for image in 2 D code is attached to and sends to banking system on the eCheck.
Wherein, described check drawer's terminal is made of mobile communication terminal that can receive two-dimension code and the payment terminal that has eCheck carrying transfer function, described payment terminal comprises acquiring unit, processing unit and transmitting element, acquiring unit is used to obtain the two-dimension code that described mobile communication terminal is received, the described image in 2 D code that processing unit is used for obtaining is attached to eCheck, and the eCheck that transmitting element is used for being pasted with image in 2 D code sends to banking system.
Electric cheque paying method provided by the present invention and realization system thereof, because banking system has generated and has included the draw a bill two-dimension code of amount information of request in the eCheck payment process, make that the payment process of eCheck is safer, again because the payment process automaticity height of eCheck, user's simple operation, reduce the check processing cost, accelerated the check processing speed.
Further, electric cheque paying method provided by the present invention and realization system thereof, bank has carried out checking to check drawer's account amount of money and the request of the needs payment amount of money of drawing a bill has been freezed before eCheck is signed and issued, and has effectively stopped the generation of forged check and kite bill.
In sum, electric cheque paying method provided by the invention and realization system thereof have following technique effect:
1, the check processing cost is low: from the processing procedure of eCheck, the automatic realization degree height of its system has been saved great amount of manpower, makes bank not need to increase outlet and just can open up and get more business;
2, the check processing speed is fast: the user realizes paying by check automatically by banking system on terminal devices such as computer, payment terminal, mobile communication terminal, convenient and swift;
3, strengthened security of payment: when banking system can satisfy payment at the account amount of money that judge to need payment, generate and include the draw a bill two-dimension code of amount information of request.Because two-dimension code is difficult to be copied, therefore, the application of two-dimension code makes that the eCheck payment process is more safe and reliable.
4, effectively stop the generation of forged check, kite bill: from the processing procedure of eCheck, during do not produce paper-bill, and two-dimension code be difficult to copy the generation of stopping forged check; Freeze again owing to banking system before eCheck is signed and issued is verified check drawer's account amount of money, and to the amount of money of needs payment, stopped the generation of kite bill.
Description of drawings
Fig. 1 is the process flow diagram of conventional checks payment in the prior art;
Fig. 2 is electric cheque paying method embodiment one process flow diagram of the present invention;
Fig. 3 is electric cheque paying method embodiment two flow process synoptic diagram of the present invention;
Fig. 4 is electric cheque paying method embodiment three schematic flow sheets of the present invention;
Fig. 5 is system embodiment one structural representation of realization eCheck payment of the present invention;
Fig. 6 is system embodiment two structural representations of realization eCheck payment of the present invention;
Fig. 7 is system embodiment three structural representations of realization eCheck payment of the present invention.
Embodiment
Below, describe the present invention in conjunction with the accompanying drawings.
Embodiment one
Generally, before eCheck is signed and issued in check drawer's request, need open the eCheck business earlier, it opens mode generally two kinds, a kind of check drawer of being opens the eCheck business to the bank counter application, and another kind is that the check drawer opens the eCheck business by the customer service phone.Behind the eCheck service fulfillment, mobile terminal devices such as bank's computer, mobile phone with check drawer's account, check drawer's appointment that eCheck is professional are bound related;
As shown in Figure 2, the embodiment of the invention one provides a kind of electric cheque paying method, the steps include:
Step 20, the check drawer signs and issues eCheck by mobile phone, computer, landline telephone, IVR (Interactive VoiceResponse, interactive voice answering) phone etc. to bank's request, and present embodiment adopts and uses the mobile phone mode to bank's request of drawing a bill;
Banking system is received the request of drawing a bill, and after promptly the information of eCheck is signed and issued in request, verifies this request account amount of money of drawing a bill, and whether can satisfy Payment Request so that know account remaining sum;
Step 21, if checking is passed through, promptly the amount of money can satisfy Payment Request the account, then freezes corresponding request of the account amount of money of drawing a bill, and generates and sends to include the draw a bill two-dimension code of amount information of request;
Here, it not is necessary freezing corresponding request of the account amount of money of drawing a bill, and adopts in the present embodiment and freezes corresponding request of the account amount of money of drawing a bill, and is used before the eCheck payment to prevent this amount of money, prevents the generation of kite bill.
Step 22, check drawer's terminal, portable terminal such as mobile phone for example, receive described two-dimension code after, distinguish this image in 2 D code by two-dimensional code identifier;
In order further to increase the eCheck security of payment, in the time of two-dimensional code identifier recognition image in 2 D code, can also distinguish out the message that comprises check drawer's end message content, for example distinguish the information content of portable terminals such as mobile phone, this content can send in the lump in company with image in 2 D code, when this content is sent to banking system, banking system can verification this information content whether be that the check drawer initially opens check drawer's end message content that eCheck is bound with check drawer's account when professional.
Step 23, two-dimensional code identifier is forwarded to the check drawer with described image in 2 D code and holds on computer or the payment terminal; The mode of its forwarding can be a wireless transmission, also can be to realize sending by the line connection computer or the payment terminal of special use;
The drawee fills by computer needs the related item filled on the eCheck, and a described image in 2 D code of receiving is attached on this eCheck; Perhaps the drawee is attached to image in 2 D code to include on the payment terminal and should pays fund, and the filling on the eCheck that finishes of paying corporation account information;
Step 24, the check drawer will be pasted with the eCheck of described image in 2 D code and hold computer or payment terminal to send to bank from the check drawer by internet or mobile network;
After banking system is received the described eCheck that is pasted with image in 2 D code, distinguish described image in 2 D code and decoding,, then the described check drawer's account amount of money that freezes is transferred on drawee's account if decoded information meets the information that banking system has write down;
Step 25, bank with the amount of money transfer finish after, notify the check drawer by the short message service that mobile operator provides, for example notify the check drawer by SMS;
Here, also can notify the drawee simultaneously, for example notify the drawee by SMS simultaneously.
In order to increase the security of fund, can be when professional at the above-mentioned eCheck of opening, for corresponding account is opened corresponding eCheck account, like this, when banking system receives that check drawer's terminal request is signed and issued eCheck information and verified that check drawer's account can satisfy payment, the request payment can be transferred the eCheck account from check drawer's fund account, and freeze in the eCheck account amount of money of this needs payment, when banking system need be paid this amount of money, the amount of money that will be needed to pay by the eCheck account transferred check drawer's account.
Wherein, the eCheck account only just uses it to carry out turnover of funds when carrying out the eCheck payment, therefore, when not needing to use eCheck to pay at ordinary times, the eCheck account balance can be for empty or be seldom remaining sum, so just do not worry that the account is stolen or have big loss when losing.
Above-mentioned two-dimensional code identifier can be independent terminal device, also can be mounted in the functional part on the mobile terminal devices such as computer, payment terminal or mobile phone.
Above-mentioned check drawer's terminal, for example mobile communication terminal also can replace two-dimensional code identifier, computer or payment terminal, finish directly on the mobile communication terminal that eCheck is filled in and image in 2 D code is being attached to step on the eCheck, the eCheck that will be pasted with image in 2 D code by mobile communication terminal sends to banking system, thereby has saved computer or payment terminal and these function devices of two-dimensional code identifier.
Above-mentioned two-dimension code is meant that information that bank will comprise the account amount of money of drawing a bill adds to give as security to encrypt the two-dimension code of generation.Generally speaking, the valid data battle array of two-dimension code is 204 bytes, and sign indicating number figure is of a size of 102 * 102 dot matrix, and 4 points of each pixel use 2 * 2 are represented.The recognition time on the mobile phone about half second, use PNG (Portable Network Graphic Format, streaming network graphic form) to show.
Receiving two-dimension code with mobile phone is example, above-mentioned eCheck, and its data content comprises necessary data and optional data:
Wherein, necessary data includes but not limited to: index number, voucher denomination, produce the digital signature of account number, Expiration Date, check drawer's cell-phone number or Merchant ID number and certificate properties;
Wherein, optional data includes but not limited to:
Date issued, spreading parameter and information filler, described information filler are to instigate each voucher all to keep the onesize required occupy-place character of two-dimension code encoding amount.
As seen, when banking system satisfies the payment terms at the checking check drawer account amount of money, generated and comprise the draw a bill two-dimension code of amount information of request, because two-dimension code is difficult to be copied, therefore, the application of two-dimension code makes that the eCheck payment process is more safe and reliable;
Again since eCheck is signed and issued before banking system check drawer's account amount of money is verified, and the request that needs the are paid amount of money of drawing a bill is freezed, stopped the generation of kite bill.
In order to further specify the application of embodiment one described electric cheque paying method at payment terminal, the present invention also provides embodiment two and embodiment three.
Embodiment two
When the check drawer passes through self-help charging terminal electricity payment, as shown in Figure 3, check drawer's terminal phone by wireless network that mobile operator provided to the banking system request of drawing a bill, when banking system verifies that the claimant's that draws a bill the account amount of money can satisfy payment, banking system is freezed corresponding request of the account amount of money of drawing a bill, and generates and sends to include the draw a bill two-dimension code of amount information of request;
After check drawer's terminal phone is received described two-dimension code, the check drawer finds own this electricity charge inventory of paying by the self-help charging terminal, this inventory is equivalent to the eCheck filling in Utilities Electric Co.'s electricity charge account number and need electricity payment amount of money number, the check drawer is attached to image in 2 D code on the described eCheck by this self-help charging terminal, sends to banking system by the self-help charging terminal again;
Banking system receive described be pasted with image in 2 D code after, distinguish this image in 2 D code and decoding, if decoded information meets the information that banking system has write down, for example 2 D code information meets the 2 D code information that above-mentioned banking system generates in the decoded information, check drawer's terminal phone information content meets the contents of mobile phone that the check drawer opens eCheck binding when professional in the decoded information, and then the banking system amount of money that will need to pay transfers on the drawee Utilities Electric Co. electricity charge account automatically from user account; After transferring successfully, the self-help charging terminal prints the inventory of paying the fees for the check drawer.
Wherein, above-mentioned user account can be check drawer's fund account, also can be and the corresponding eCheck account of check drawer's fund account, and its use is identical with embodiment one, no longer is repeated in this description at this.
After above-mentioned check drawer's terminal was received two-dimension code, the recognition function recognition image in 2 D code that the self-help charging terminal can have by self also can be transferred to the self-help charging terminal again by independent two-dimensional code identifier behind check drawer's terminal recognition image in 2 D code.
In order further to increase the eCheck security of payment, two-dimensional code identifier or self-help charging terminal can also be distinguished check drawer's end message content, then this content can send in the lump in company with image in 2 D code, when this content is sent to banking system, banking system can verification this information content whether be that the check drawer initially opens check drawer's end message content that eCheck is bound with check drawer's account when professional.
Embodiment three
When the check drawer buys lottery ticket by self-service lottery ticket stake terminal, as shown in Figure 4, check drawer's terminal phone by wireless network that mobile operator provided to the banking system request of drawing a bill, when banking system verifies that the claimant's that draws a bill the account amount of money can satisfy payment, banking system is freezed corresponding request of the account amount of money of drawing a bill, and generates and sends to include the draw a bill two-dimension code of amount information of request;
After check drawer's terminal phone is received described two-dimension code, the check drawer finds the purchase inventory by self-service lottery ticket stake terminal, this inventory is equivalent to fill in the eCheck of drawee betting office account number, the check drawer is attached to image in 2 D code on the described eCheck, sends to banking system by self-service lottery ticket stake terminal;
Banking system receive described be pasted with image in 2 D code after, distinguish this image in 2 D code and decoding, if decoded information meets the information that banking system has write down, for example 2 D code information meets the 2 D code information that above-mentioned banking system generates in the decoded information, check drawer's terminal phone information content meets the contents of mobile phone that the check drawer opens eCheck binding when professional in the decoded information, and then the banking system amount of money that will need to pay transfers on the drawee betting office account automatically from user account; After transferring successfully, lottery terminal prints the lottery ticket of corresponding notes number for the check drawer.
Wherein, above-mentioned user account can be check drawer's fund account, also can be and the corresponding eCheck account of check drawer's fund account, and its use is identical with embodiment one, no longer is repeated in this description at this.
After above-mentioned check drawer's terminal is received two-dimension code, the recognition function recognition image in 2 D code that drawee betting office account can have by self also can be transferred to drawee betting office account again by independent two-dimensional code identifier behind check drawer's terminal recognition image in 2 D code.
In order further to increase the eCheck security of payment, two-dimensional code identifier or self-service lottery ticket stake terminal can also be distinguished check drawer's end message content, then this content can send in the lump in company with image in 2 D code, when this content is sent to banking system, banking system can verification this information content whether be that the check drawer initially opens check drawer's end message content that eCheck is bound with check drawer's account when professional.
The embodiment of the invention also provides a kind of system embodiment one that realizes the eCheck payment:
As shown in Figure 5, this system comprises: banking system 30 and the check drawer's terminal 40 that has eCheck carrying transfer function;
Wherein, banking system 40 comprises:
Receiving element 301 is used to receive check drawer's terminal request and signs and issues eCheck information, and is used to receive the eCheck that is pasted with image in 2 D code;
In order to prevent the generation of kite bill, banking system can also comprise: freeze unit 307, when the satisfied payment of the account amount of money is drawn a bill in request, ask to draw a bill the amount of money accordingly owing to freeze the account;
Transmitting element 304 is used to send described two-dimension code;
Recognition decoding check and correction unit 305 is used for the eCheck that is pasted with image in 2 D code that receives is distinguished and decoded, and the information that decoded information and banking system have been write down compares;
The unit 306 of transferring accounts, if decoded information meets the information that banking system has write down, then the request that will the freeze amount of money of drawing a bill transfers check drawer's account;
Check drawer's terminal 40 comprises:
Receiving element 401 is used to receive two-dimension code;
Transmitting element 403, the eCheck that is used for being pasted with described image in 2 D code sends to banking system.
After the receiving element 301 of banking system 30 receives that check drawer's terminal request is signed and issued eCheck information, this request account amount of money of drawing a bill of authentication unit 302 checkings, if the account, the amount of money satisfied the payment terms, then the request amount of money of drawing a bill is freezed by freezing unit 307, processing unit 303 generates and includes the draw a bill two-dimension code of amount information of request, and sends these two-dimension codes by transmitting element 304;
The receiving element 401 of check drawer's terminal 40 is attached to this image in 2 D code on the eCheck by processing unit 402 after receiving the image in 2 D code that has the amount information of drawing a bill of banking system 30 transmissions, sends to banking system 30 by transmitting element 403;
After the receiving element 301 of banking system 30 is received the described eCheck that is pasted with image in 2 D code, by recognition decoding check and correction unit 305 described image in 2 D code of recognition and decoding, if decoded information meets the information that banking system has write down, then the described check drawer's account amount of money that freezes is transferred drawee's account by the unit 306 of transferring accounts.
The check drawer's terminal 40 that has eCheck carrying transfer function can be mobile communication terminal, computer or the payment terminal that has eCheck carrying transfer function.
The check drawer's terminal 40 that has eCheck carrying transfer function, can adopt check drawer's terminal to write the method carrying eCheck of the eCheck that has drawee's information voluntarily, the mode that also can adopt check drawer's terminal to embed the eCheck template that has drawee's information that has write is carried eCheck, and the mode that can also adopt check drawer's terminal link remote server to read eCheck is carried eCheck.
Further, the embodiment of the invention also provides a kind of system embodiment two that realizes the eCheck payment:
As shown in Figure 6, check drawer's terminal 40 described in the above-mentioned realization eCheck payment system embodiment one is made of the mobile communication terminal 41 that can receive two-dimension code, two-dimensional code identifier 42 and the computer 43 that has an eCheck carrying transfer function;
Two-dimensional code identifier 42 comprises recognition unit 421 and transmitting element 422, recognition unit 421 is used to distinguish the two-dimension code that mobile communication terminal 41 receives, transmitting element 422 is used for the image in 2 D code of recognition is taken place to computer 43, and computer 43 is attached to image in 2 D code and sends to banking system 30 on the eCheck.
After the receiving element 301 of banking system 30 receives that check drawer's terminal request is signed and issued eCheck information, this request account amount of money of drawing a bill of authentication unit 302 checkings, if the account, the amount of money satisfied the payment terms, then freeze to ask to draw a bill the amount of money by processing unit 303, generation includes the draw a bill two-dimension code of amount information of request, and sends these two-dimension codes by transmitting element 304;
After mobile communication terminal 41 is received the two-dimension code that has the amount information of drawing a bill of banking system 30 transmissions, recognition unit 421 recognition two-dimension codes by two-dimensional code identifier 42, transmitting element 422 sends to computer 43 with the image in 2 D code of recognition, on computers, described image in 2 D code is attached to and is sent banking system 30 on the eCheck;
After the receiving element 301 of banking system 30 is received the described eCheck that is pasted with image in 2 D code, by recognition decoding check and correction unit 305 described image in 2 D code of recognition and decoding, if decoded information meets the information that banking system has write down, then the described check drawer's account amount of money that freezes is transferred drawee's account by the unit 306 of transferring accounts.
Further, the embodiment of the invention also provides a kind of system embodiment three that realizes the eCheck payment:
As shown in Figure 7, check drawer's terminal 40 described in the above-mentioned realization eCheck payment system embodiment one is made of mobile communication terminal 41 that can receive two-dimension code and the payment terminal 44 that has eCheck carrying transfer function;
After the receiving element 301 of banking system 30 receives that check drawer's terminal request is signed and issued eCheck information, this request account amount of money of drawing a bill of authentication unit 302 checkings, if the account, the amount of money satisfied the payment terms, then freeze to ask to draw a bill the amount of money by freezing unit 307, generation unit 303 generates and includes the draw a bill two-dimension code of amount information of request, and sends these two-dimension codes by transmitting element 304;
After the receiving element 301 of banking system 30 is received the described eCheck that is pasted with image in 2 D code, by recognition decoding check and correction unit 305 described image in 2 D code of recognition and decoding, if decoded information meets the information that banking system has write down, then the described check drawer's account amount of money that freezes is transferred drawee's account by the unit 306 of transferring accounts.
As seen, electric cheque paying method that the embodiment of the invention provides and realization system thereof, because banking system has generated and has included the draw a bill two-dimension code of amount information of request in the eCheck payment process, make that the payment of eCheck is safer, again because the payment process automaticity height of eCheck, user's simple operation has reduced the check processing cost, has accelerated the check processing speed.
Further, electric cheque paying method that the embodiment of the invention provides and realization system thereof, bank has carried out checking to check drawer's account amount of money and the request of the needs payment amount of money of drawing a bill has been freezed before eCheck is signed and issued, and has effectively stopped the generation of forged check and kite bill.
In sum, electric cheque paying method provided by the invention and realization system thereof have following technique effect:
1, the check processing cost is low: from the processing procedure of eCheck, the automatic realization degree height of its system has been saved great amount of manpower, makes bank not need to increase outlet and just can open up and get more business;
2, the check processing speed is fast: the user realizes paying by check automatically by banking system on terminal devices such as computer, payment terminal, mobile communication terminal, convenient and swift;
3, strengthened security of payment: when banking system can satisfy payment at the account amount of money that judge to need payment, generate and include the draw a bill two-dimension code of amount information of request.Because two-dimension code is difficult to be copied, therefore, the application of two-dimension code makes that the eCheck payment process is more safe and reliable.
4, effectively stop the generation of forged check, kite bill: from the processing procedure of eCheck, during do not produce paper-bill, and two-dimension code be difficult to copy the generation of stopping forged check; Again since eCheck is signed and issued before banking system check drawer's account amount of money is verified, and the request that needs the are paid amount of money of drawing a bill is freezed, stopped the generation of kite bill.
The above only is preferred embodiment of the present invention, and is in order to restriction the present invention, within the spirit and principles in the present invention not all, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (12)
1. an electric cheque paying method is characterized in that, comprising:
Step a after banking system receives that check drawer's terminal request is signed and issued eCheck information, verifies this request account amount of money of drawing a bill, if the account amount of money satisfy the payment terms, then generate and send and include the draw a bill two-dimension code of amount information of request;
Step b after check drawer's terminal is received the two-dimension code that has the amount information of drawing a bill that banking system sends, attaches to this image in 2 D code and sends to banking system on the eCheck;
Step c after banking system is received the described eCheck that is pasted with image in 2 D code, distinguishes described image in 2 D code and decoding, if decoded information meets the information that banking system has write down, the request that then will ask the to pay amount of money of drawing a bill transfers drawee's account.
2. method according to claim 1 is characterized in that, also comprises:
In step a,, then freeze this request amount of money of drawing a bill if check drawer's account amount of money satisfies the payment terms; In step c, if decoded information meets the information that banking system has write down, the amount of money of then the described request of freezing being drawn a bill transfers drawee's account.
3. method according to claim 1 is characterized in that, also comprises:
Before step a, banking system is offered corresponding eCheck account for check drawer's account;
In step a, when banking system verified that the described request account amount of money of drawing a bill satisfies the payment terms, the request amount of money of will drawing a bill transferred described eCheck account; In step c, when banking system was paid, the amount of money that request is paid transferred drawee's account from the eCheck account.
4. method according to claim 3 is characterized in that, also comprises:
In step a, the request amount of money of will drawing a bill transfers corresponding eCheck account and freezes this amount of money; In step c, when banking system is paid, the described amount of money that freezes is transferred check drawer's account from the eCheck account.
5. method according to claim 1 is characterized in that, described step b comprises:
After check drawer's terminal is received the two-dimension code that has the amount information of drawing a bill of banking system transmission,, and send to the computer that is used to fill in eCheck by two-dimensional code identifier recognition image in 2 D code;
On computers described image in 2 D code is attached to and sends to banking system on the eCheck.
6. method according to claim 1 is characterized in that, described step b comprises:
After check drawer's terminal is received the two-dimension code that has the amount information of drawing a bill that banking system sends, described image in 2 D code sent to include the payment terminal that is used to pay the fees of filling in the eCheck that finishes;
Be attached at the above image in 2 D code of payment terminal and send to banking system on the eCheck.
7. method according to claim 1 is characterized in that, also comprises:
Steps d, banking system is drawn a bill described request after the amount of money transfers drawee's account, notifies the check drawer by the mode of mobile phone short message.
8. a system that realizes the eCheck payment is characterized in that, comprising: banking system and the check drawer's terminal that has eCheck carrying transfer function; Wherein, banking system comprises:
Receiving element is used to receive check drawer's terminal request and signs and issues eCheck information, and is used to receive the eCheck that is pasted with image in 2 D code;
Authentication unit is used for checking and asks to draw a bill the account amount of money;
Generation unit is drawn a bill the account amount of money when satisfying payment when request, is used to generate include the draw a bill two-dimension code of amount information of request;
Transmitting element is used to send described two-dimension code;
Recognition decoding check and correction unit is used for the eCheck that is pasted with image in 2 D code that receives is distinguished and decoded, and the information that decoded information and banking system have been write down compares;
The unit of transferring accounts, if decoded information meets the information that banking system has write down, the amount of money of then request being drawn a bill transfers drawee's account;
Described check drawer's terminal comprises:
Receiving element is used to receive two-dimension code;
Processing unit, the described image in 2 D code that is used for receiving attaches to eCheck;
Transmitting element, the eCheck that is used for being pasted with described image in 2 D code sends to banking system.
9. system according to claim 8 is characterized in that, described banking system also comprises: freeze the unit, be used for drawing a bill the amount of money when satisfying payment when request, the request the freezed corresponding request amount of money of drawing a bill of drawing a bill in the account.
10. system according to claim 8 is characterized in that, described check drawer's terminal is mobile communication terminal, computer or the payment terminal that has eCheck carrying transfer function.
11. system according to claim 8, it is characterized in that, described check drawer's terminal is made of the mobile communication terminal that can receive two-dimension code, two-dimensional code identifier and the computer that has an eCheck carrying transfer function, two-dimensional code identifier comprises recognition unit and transmitting element, the recognition unit is used to distinguish the two-dimension code that mobile communication terminal receives, transmitting element be used for will recognition image in 2 D code take place to computer, described computer is used for image in 2 D code is attached to and sends to banking system on the eCheck.
12. system according to claim 8, it is characterized in that, described check drawer's terminal is made of mobile communication terminal that can receive two-dimension code and the payment terminal that has eCheck carrying transfer function, described payment terminal comprises acquiring unit, processing unit and transmitting element, acquiring unit is used to obtain the two-dimension code that described mobile communication terminal is received, the described image in 2 D code that processing unit is used for obtaining is attached to eCheck, and the eCheck that transmitting element is used for being pasted with image in 2 D code sends to banking system.
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| CNA200810066099XA CN101231727A (en) | 2008-02-20 | 2008-02-20 | Electric cheque paying method and implementing system thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA200810066099XA CN101231727A (en) | 2008-02-20 | 2008-02-20 | Electric cheque paying method and implementing system thereof |
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