CN101540032A - Payment system and method of third-party payment platform based on HVPS system - Google Patents
Payment system and method of third-party payment platform based on HVPS system Download PDFInfo
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Abstract
The invention relates to a payment system of a third-party payment platform based on an HVPS, which comprises a third-party payment platform, a fund trust institution, a write-off institution and an HVPS special network. The third-party payment platform is connected with the fund trust institution through the network, and the fund trust institution is connected with the write-off institution through the HVPS special network. The payment system has the advantages that various payments are realized through the third-party payment platform, excessive counter resource occupancy of a bank is avoided, and the precious time of users is saved. Moreover, the payment system is based on the HVPS system of the people bank of China, therefore the coverage is wide, covers nationwide commercial banks, credit unions and four major state-owned banks, and can support the subsequent business development of the payment.
Description
Technical field
The application relates to a kind of fare payment system and method, relates in particular to a kind ofly based on HVPS system (the real-time payment system of wholesale, High Value Payment System), and carries out the system and method for Online Payment by third party's payment platform.
Background technology
At present, our government utility is paid the fees of a great variety, such as charges such as public transport, postal service, telecommunication, urban water supply draining, heating power, power supply, air feed.In the face of like this various kind of paying the fees, yet that the outlet of government utility unit, various places distributes is less, thereby has caused the pay the fees problem of difficulty of government utility.Bank's collecting business is also just arisen at the historic moment, but the public service that each bank contracted has nothing in common with each other, such as A bank only contracted heating power and power supply, the air feed and B bank has contracted, thereby pay the fees and still can not unify, add present traditional fee payment service and more carry out at bank's cabinet plane system, when taking bank's cabinet face precious resources greatly, it is numerous and diverse that the subscriber payment process also becomes.
People's Bank of China releases Central Bank's small amount payment system.By this system, the user just can finish paying the fees of all water, electricity, coal gas, telephone charge and endowment, medical insurance etc. as long as open an account in any one tame bank.Payer also by this system, is handled the granting of wage, subsidy and social security fund to the payee who opens an account at different bank.If widely popularize, the queuing pressure that part bank outlets face will be alleviated.But, at present, this system promotes and but has very big resistance, distribution of interests between Central Bank and each tame bank exist defective and make each tame bank popularization actively, also having technical problem also to make to promote is obstructed: before the small amount payment system popularization is reached the standard grade, the agiotage of inter-bank relies on the intracity clearing system between the bank to realize mostly between each bank, and the business of withdrawing the money and swipe the card of inter-bank then can be realized by Unionpay.The application of small amount payment system has covered the function of intracity clearing system fully, has also covered the function of a part of bank card payment.So, for each big bank that has built intracity clearing system between row and the row, build a small amount payment platform again, be repetition and waste on a kind of resource.
Even small amount payment system can reach popularization, still, still have technical matters in realizing payment process: the bank that the characteristics of small amount payment are that stroke count is many, the amount of money is little, relate to is many.With the water rate is example, and the fare payment system that provides to the Running-water Company operation of paying the fees all need be provided in each tame bank, again the money of receiving is squeezed into Running-water Company in the account that certain tame bank opens.See also Fig. 1, the enforcement schematic diagram that it is paid the fees for the waters corporation system.Waters corporation system 11 is connected with each signatory bank 12, and the user pays water rate by each signatory bank 12, and signatory bank 12 transfers accounts the water rate of paying to the settlement accounts of settling bank's 13 correspondences that offer the waters corporation settlement accounts.Settling bank 13 can be the family in the signatory bank 12.
Owing to can not predictive user pay the fees by which bank, therefore need each tame bank all to need to be connected with the fare payment system of Running-water Company, each family receives that bank's fixed cycle of money squeezes into this Running-water Company in the account that certain tame bank (being referred to as bank of deposit) opens with expense, and the bank of those gatherings need finish every fund clearance with settling bank.This operator scheme takies the resource that each tame bank comprises network in a large number, causes whole small amount payment system to realize that payment cost is very high.
That is to say that there is following problem in above-mentioned payment mode
1, these signatory banks are receiving different user when paying the application of water rate, can set up with the waters corporation system and links and read relevant information, owing to can set up the link of N bar, therefore, can cause bigger burden to the waters corporation system.
2, after the user had paid expense, these signatory banks need clear operation with settling bank, waters corporation system, and this operator scheme takies the resource that each tame bank comprises network in a large number, caused whole small amount payment system to realize that payment cost is very high.
Summary of the invention
At above-mentioned defective, the application's thought is to provide a kind of third party's payment platform fare payment system based on the HVPS system, to solve the existing technological deficiency of utilizing third party's paying platform to finish automatic fee function realization complexity, poor operability in the prior art.
Another thought of the application is, a kind of third party's payment platform fare payment system based on the HVPS system is provided, to solve the existing technological deficiency of utilizing third party's paying platform to finish automatic fee function realization complexity, poor operability in the prior art.
A kind of third party's payment platform fare payment system based on the HVPS system comprises:
At least one service unit of providing paying platform is used to provide the user to pay the fees and uses information;
Third party's payment platform, each the service unit of providing paying platform and user are provided respectively, be used to receive user's the request of paying the fees, login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees with information or the pay the fees need that therefrom obtain user's correspondence with information of the need of storing in advance that provide by the service unit of providing paying platform are provided are paid the fees and use information, after carry out corresponding processings of withholing, and be unit classification integration by the service unit of providing to paid expense;
The fund deposit mechanism connects described third party's payment platform, and what be used to receive the payment of third party's payment platform is the sorted paid total expenses in unit by the service unit of providing;
The mechanism that writes off is connected to described fund deposit mechanism by the HVPS network, and the account that it has the service unit of providing to offer is used for receiving the paid total expenses that the fund deposit mechanism is delivered on the account of correspondence.
A kind of third party's payment platform fee payment method based on the HVPS system, it is paid various paying the fees on the net by third party's payment platform, comprises the steps:
Step (1) third party's payment platform is accepted user's the application of paying the fees, and the processing of withholing.
Step (1) third party's payment platform is accepted also to comprise after user's the application of paying the fees: login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees and use information, or the pay the fees need that therefrom obtain user's correspondence with information of the need of storing in advance that provided by the service unit of providing paying platform are provided are paid the fees and use information.
Judge again whether described user is the registered user of third party's payment platform, if not, then finish registration step earlier, set up described user account information, carry out A2 again, otherwise directly carry out steps A 2; A2: third party's payment platform is judged the expense whether amount of money in the user account need be paid more than or equal to this user, if, the processing of then withholing, otherwise, the prompting user carries out the step to described account charging, and successful recharging is then carried out the A2 step again, supplement with money unsuccessfully, then finish to pay the fees operation.
The settlement accounts of the correspondence that each service unit of providing of HVPS net Zhi Fuzhi offers in the described mechanism that writes off is provided the paying handled step (2) third party's payment platform by described fund deposit mechanism.
Step (2) further comprises:
(2-1) paying that regularly will handle of third party's payment platform gathers, and is to classify and gather in the unit those paid expenses with the service unit of providing;
Total paying after (2-2) the fund deposit mechanism will gather is withholdd from beat the money account, and the described money account of beating is deposited the storage fund that third party's payment platform is stored on described fund deposit mechanism;
(2-3) the total paying that will deduct of fund deposit mechanism is by the HVPS clearing account of HVPS private network account transfer to the corresponding mechanism of writing off;
(2-4) mechanism of writing off keeps accounts to the target account again from HVPS clearing account that shunting keeps accounts to the settlement accounts of each service unit of providing.
Compare with prior art, the application's fare payment system has following advantage:
At first, each service unit of providing of family only need set up by network or special line with third party's payment platform and communicate by letter, and does not need to communicate by letter with each tame bank foundation, has saved a large amount of interfaces thus, not only implement conveniently, and also easy to maintenance, reduced cost.
Then, the application utilizes the HVPS network to carry out transferring accounts of paid expense total expenses, speed is fast and safety coefficient is high, what is more important need not to take the ample resources of each tame bank, that is to say, third party's payment platform and each service unit of providing carry out reconciliation and write off, fund deposit mechanism and what write off that mechanism finishes is that of the total payoff amount of money transfers accounts and reconciliation work, and processing speed needs to take too much bank's resource soon and not.
At last, the user only need utilize network can finish the operation of paying the fees of various expenses, need not to run any one tame bank, and it is convenient to realize, flexibly, has extremely strong operability and convenience.
Description of drawings
The enforcement schematic diagram of Fig. 1 for paying the fees for the waters corporation system;
Fig. 2 is the third party payment platform fare payment system structural drawing of the application one based on the HVPS system;
Fig. 3 is the structural drawing of third party's payment platform of the embodiment of the present application;
Fig. 4 is the structural drawing of a subscriber payment server of the embodiment of the present application;
Fig. 5 is the structural drawing of a fund deposit mechanism of the embodiment of the present application;
Fig. 6 is the structural drawing of enterprise's Net silver front server of the embodiment of the present application;
The structural drawing that Fig. 7 writes off mechanism for one of the embodiment of the present application;
Fig. 8 is the principle flow chart of a kind of third party's payment platform fee payment method based on the HVPS system of the application;
Fig. 9 is the example flow diagram of a kind of third party's payment platform fee payment method based on the HVPS system of the application.
Embodiment
The application's core is: on the basis based on the HVPS system, third party's payment platform provides efficient, convenient and the great Online Payment of coverage rate only need setting up a fund deposit mechanism account promptly to can be the user.The alleged fund deposit mechanism of the application had both comprised all kinds of banks, also comprised credit office; The alleged Online Payment of the application refers to that mainly government utility pays the fees, and as public transport, postal service, telecommunication, urban water supply draining, heating power, power supply, air feed etc., but does not get rid of the application that other need carry out the transfer of funds in a plurality of banks.
The HVPS system of the People's Bank is a system for settling account in real time in full, sets up the purpose of this system, is for the financial market of giving bank and vast enterprises and institutions provides fast, efficient, safe payment clearance service, takes precautions against payment risk.It is implemented monetary policy more flexibly, effectively to the central bank and has vital role.This system handles with city and strange land, the amount of money is in wholesale credit payment transaction and the urgent small amount credit payment transaction of regulation more than the starting point, the payment transaction kind of its processing comprises: the fund remittance and transfer that exchange, the entrusted collections of payment are drawn back, the central bank and treasury departments handle, and the Instant Transfer of open market operation chamber and bond transaction etc.This system's broad covered area, it has comprised commercial bank, credit office, the four big nationalized banks of nationwide.The function that the HVPS system has in real time and the energy wholesale is paid, therefore, the present invention adopts the HVPS system to carry out reimbursement of expense, also has technique effects such as payment speed is fast, safety.
Third party's payment platform is an example with the Alipay, has set up ripe online payment pattern.The user only needs the user account of third party's payment platform can finish the corresponding processing of withholing.When the user account remaining sum is not enough, can be by existing payment mode (as utilizing Web bank, remittance etc.) to the processing of withholing of the user account of correspondence.
The application utilizes existing HVPS system and third party's payment platform to finish user's the processing of paying the fees.Before the application is described in detail, need clear and definite several account notions:
Beat the money account: the account that third party's payment platform is set up at the fund deposit mechanism in order to storage provision fund;
The HVPS clearing account of fund deposit mechanism: beat the amount of money of deducting in the money account in order to receive, and it is sent to the HVPS clearing account of the mechanism of writing off;
The write off HVPS clearing account of mechanism: receive the information that the HVPS clearing account of fund deposit mechanism sends, and corresponding money is beaten to target account;
Target account: the mechanism of writing off is in order to the various clearing accounts of paying the fees of interim storage;
Service unit's settlement accounts: the account in order to its service is write off that each service unit sets up in the mechanism of writing off is the final account that fund flows among the application.
The application proposes a kind of third party's payment platform fare payment system based on the HVPS system, with thinking that the user provides the Online Payment service of convenient and efficient, sees also Fig. 2, and it is the third party payment platform fare payment system structural drawing of the application one based on the HVPS system.This system comprises: at least one service unit of providing paying platform, third party's payment platform 310, user 350, fund deposit mechanism 320, the mechanism 340 of writing off that is connected with fund deposit mechanism 320 by HVPS system 330.
At least one service unit of providing paying platform is used to provide the user to pay the fees and uses information.As the platform 360 that supplies water, the power supply platform 370.
Third party's payment platform 310, the transaction payment platform that its third party's independent agency that is some and domestic and international each big bank contract, possess certain strength and prestige guarantee provides is such as Alipay.Third party's payment platform 310 can connect each the service unit of providing paying platform and user 350 by network, be used to receive user 350 the request of paying the fees, login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees with information or the need of storing in advance that provide by the service unit of providing paying platform are provided are paid the fees and use information, the need that therefrom obtain user's correspondence are paid the fees with carrying out corresponding processings of withholing after the information, and are unit classification integration to paid expense by the service unit of providing.In this example, third party's payment platform 310 fund deposit mechanism 320 offer in order to storage provision fund beat the money account, fund deposit mechanism 320 can be deducted certain amount of money and change other account over to according to the instruction of third party's payment platform 310 from this dozen money account.Certainly, third party's payment platform 310 also can be squeezed into the paid-up expense summation of correspondence in the account of fund deposit mechanism 320 correspondences.
HVPS private network 330 is that the People's Bank is the special private line network of laying of HVPS system; The mechanism 340 of writing off is all kinds of banks and the credit institutes of writing off with the service unit of providing, and the service unit of providing offers account in this mechanism 340 of writing off.Third party's payment platform 310 links to each other with fund deposit mechanism 320 by the Internet, and fund deposit mechanism 320 then is communicated with by the HVPS private network 330 and the mechanism 340 of writing off.
Third party's payment platform 310 is direct user oriented ends, sees also Fig. 3, and it is the structural drawing of third party's payment platform of the embodiment of the present application, and it comprises subscriber payment server 311, pay the fees database 312 and enterprise's Net silver client 313.This database 312 of paying the fees is connected to subscriber payment server 311, and subscriber payment server 311 is in order to accepting and the application of paying the fees of process user, and deposits the result of these applications and correspondence thereof in the database 312 of paying the fees.Enterprise's Net silver client 313 is third party's payment platforms 310 in order to carry out mutual with fund deposit mechanism 320 and to be provided with, and it links to each other with subscriber payment server 311, and this connection can be direct, also can be indirect.When enterprise's Net silver client 313 directly links to each other with subscriber payment server 311, this third party's payment platform 310 can realize initiating to fund deposit mechanism 320 by enterprise's Net silver client 313 automatically the function (as shown in Figure 3) of wholesale payment application, and enterprise's Net silver client 313 and subscriber payment server 311 be when linking to each other indirectly, controls enterprise's Net silver client 313 after needing between them examine related data by the operator again and initiate the wholesales payment to fund deposit mechanism 320 and apply for.Enterprise's Net silver client 313 mainly is the secure interactive of being responsible for setting up between third party's payment platform 310 and the fund deposit mechanism 320.
In particular, above-mentioned subscriber payment server 311 further comprises user interface section 3111, the pay the fees processing unit 3112 and the administrative unit 3113 of paying the fees, and they are continuous successively, see also Fig. 4.The user imports the information of paying the fees accordingly at user terminal according to the application interface of paying the fees that third party's payment platform 310 provides, those information can comprise the area, the project of paying dues, billing unit, the barcode encoding on the bill and the amount of money etc., user interface section 3111 then are responsible for collecting those information and depositing in the database 312 of paying the fees.User's the type of paying the fees, the amount of money and the place of paying the fees etc. are all of a great variety, so the administrative unit of need paying the fees 3113 is managed those numerous and diverse data, the administrative unit of paying the fees 3113 can be put those data into different categories and be stored, in general, can be divided into a class user's the type of paying the fees, place, the time and make the detail list class of paying the fees accordingly and be stored in the database 312 of paying the fees the submission that can make things convenient for follow-up wholesale payment to apply for so to a great extent.Pay the fees processing unit 3112 in order to the information of paying the fees of process user input, comprise the expense that needs the are paid processing of withholing.The processing unit 3112 of paying the fees mainly is to finish to withhold on corresponding account to handle operation, and the result who handles that will withhold is saved in the database 312 of paying the fees.
Also see also Fig. 3, the database 312 of paying the fees further comprises:
The record storage unit 3121 of paying the fees: be used to store the information of paying the fees of each user's input, and preserve its corresponding result.The record storage unit 3121 of paying the fees can be the unit with the transaction stroke count, stores the user profile and the transaction results of each transaction stroke count.
The record sort storage unit 3122 of paying the fees: the classified information after being used for paid-up cost information classification integrated is stored.The record sort storage unit 3122 of paying the fees can be that the unit makes the various records of paying the fees with each service unit of providing, and can only preserve regularly the pay the fees record and the full amount of paying the fees of (as every day, each week or every month) on the record of paying the fees.The service unit of providing can be with each the family total service provider be unit, as the pipe water rate water supply company, the pipe electricity charge Utilities Electric Co..The service unit of providing also can be that the service provider with each tame each place is a unit, as the Zhejiang water supply company of pipe water rate, the Shanghai water supply company of pipe water rate etc.So that follow-up reconciliation is handled.
The database 312 of paying the fees can also comprise need pay the fees with information memory cell (figure does not show), when the request of paying the fees that receives user 350, login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees when using information, just need not in the database 312 of paying the fees, to be provided with to pay the fees to use information memory cell.Consider that going to obtain data in real time has certain time delay, also can pay the fees and preserve the need that provide by the service unit of providing paying platform with information memory cell and pay the fees and use information by need, when when request of paying the fees that receives the user, the need that can therefrom obtain user's correspondence are paid the fees and are used information.
Third party's payment platform 310 also comprises usually:
User information storage unit 3123 is used to store the user profile that comprises user account information.The user sets up the time of account, the password of account correspondence, the transaction situation of account, this user's credit grade etc.
The described processing unit 3112 of paying the fees also further comprises:
The processing subelement of withholing: be used for the corresponding need paying of user account deduction in correspondence.Such as, when receiving user's the request of paying the fees, judge whether this user is the registered user earlier, if not, then carry out user's registration step earlier, if then carry out user login operation, the processing of withholing again.User's registration comprises sets up user account information.Withhold to handle and comprise: judge the expense whether interior amount of money of user account paid more than or equal to need, if the processing of then withholing if not, then points out the user to carry out the processing of supplementing with money of account.Described supplement with money to handle comprise that the user supplements processing by Web bank or mail remittance etc. with money to user account.When having only the expense of paying more than or equal to need when the amount of money on the account, the processing of just withholing.
Pay the fees to trigger and handle subelement, be used to receive user 350 the request of paying the fees, login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees and use information, the need that perhaps visiting to pay the fees therefrom obtains user's correspondence with information memory cell are paid the fees and are used information.
See also Fig. 5, it is the structural drawing of a fund deposit mechanism of the embodiment of the present application.This fund deposit mechanism 320 comprises a HVPS front server 321, enterprise's Net silver front server 322, first Core server 323, transfer service device 325 in first database 324 and first row, wherein, the one HVPS front server 321 and enterprise's Net silver front server 322, carry out each other communication and data transfer by LAN in the row between first Core server 323 and first database 324, transfer service device 325 then both can be to be independent of first Core server 323 but the physical server that is communicated with it in first row, also can be simultaneously a subsystem in first Core server 323.
Enterprise's Net silver front server 322 is corresponding with above-mentioned enterprise Net silver client 313, it links to each other by the Internet with enterprise Net silver client 313, in order to receive the various requests that comprise wholesale payment application that enterprise's Net silver client 313 is sent, and feed back various information to enterprise's Net silver client 313, as receipt information etc., in this application, enterprise's Net silver front server 322 also has a vital role, the data that the wholesale payment of enterprise's Net silver client 313 transmissions is applied for are carried out pre-service exactly, verify its legitimacy.This proof procedure can be that whether the account number cipher of input mates and whether the amount of money of wholesale payment application waits less than the amount of money in its dozen money account and carry out when initiating wholesale payment application by checking third party payment platform aspect.Enterprise's Net silver front server 322 can comprise specifically as the lower part: enterprise interface unit 3221, pretreatment unit 3223 and fund deposit mechanism interface unit 3222, and their link to each other successively (seeing also Fig. 6).Enterprise interface unit 3221 be responsible for and enterprise's Net silver client 313 between communication, it is delivered to pretreatment unit 3223 with the information that receives and carries out data verification, delivers to fund deposit mechanism interface unit 3222 again to enter first Core server 323 through the data after the checking.
The one HVPS front server 321 is HVPS system access points at fund deposit mechanism 320, and it directly links to each other with the HVPS system of the People's Bank, so it has very high security by the HVPS special line.After the one HVPS front server 321 receives the processing request of first Core server 323, promptly, initiate the wholesale Payment Request to HVPS system of the People's Bank according to the unified interface standard of HVPS system.
See also Fig. 7, the structural drawing that it writes off mechanism for one of the embodiment of the present application.This mechanism 340 of writing off comprises transfer service device 344 in the 2nd HVPS front server 341, second Core server 342, second database 343 and second row, wherein, carry out each other communication and data transfer by LAN in the row between the 2nd HVPS front server 341, second Core server 342 and second database 343, transfer service device 344 then both can be to be independent of second Core server 342 but the physical server that is communicated with it in second row, also can be simultaneously a subsystem in second Core server 342.
The 2nd HVPS front server 341 passes through the HVPS private line access equally to HVPS system of the People's Bank, it receives the wholesale Payment Request from fund deposit mechanism 320 of the HVPS of the People's Bank system forwards, and request msg carried out pre-service, verify its legitimacy, if data are legal, then submit this information to the second Core server 342 and handle.Second Core server 342 is by after LAN receives this payment message information in the row, withhold from the HVPS clearing account of the mechanism of writing off according to the interior transfer service device 344 of money amount of money control second row of beating in the information, and keep accounts to the collecting account of the mechanism of writing off, this moment, the wholesale payment process finished.The mechanism of writing off only needs the amount of money in the collecting account kept accounts to the settlement accounts of each service unit of providing by funds transfer system shunting in the row again and gets final product.Second database 343 is too in order to store various data related in above-mentioned each server operation.Need to prove, third party's payment platform 310 can directly be sent to each service unit of providing with pay the fees the record sort storage unit 3122 and record storage unit 3121 canned datas of paying the fees (as the record of paying the fees, the record sort record etc. of paying the fees), also can be sent to each service unit of providing by the HVPS private network.
Need to prove that the fund deposit mechanism can be same bank with the mechanism that writes off, and also can be different banks.
Based on said system, the application proposes a kind of third party's payment platform fee payment method based on the HVPS system again, it is paid various paying the fees on the net by unified third party's payment platform, see also Fig. 8, it is the principle flow chart of a kind of third party's payment platform fee payment method based on the HVPS system of the application, and this method comprises the steps:
S310: third party's payment platform is accepted some users' the application of paying the fees, and the processing of withholing.
After third party's payment platform is accepted user's the application of paying the fees, login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees and use information, or the pay the fees need that therefrom obtain user's correspondence with information of the need of storing in advance that provide by the service unit of providing paying platform are provided are paid the fees and use information.
And, the operation of from the bank account that the user provides, withholing of the expense that can directly the user need be paid, but consider the safety management of fund, third party's payment platform can be set up user's accounts information at local terminal, described user's account is carried out the corresponding operation of supplementing with money, and the corresponding processing of withholing is carried out to the account after supplementing with money in the back.If adopt this mode, then concrete withholing is operating as:
A1: third party's payment platform is accepted paying the fees when applying for of user, judges whether described user is the registered user of third party's payment platform, if not, then finish registration step earlier, set up described user account information, carry out A2 again, otherwise directly carry out steps A 2;
A2: third party's payment platform is judged the expense whether amount of money in the user account need be paid more than or equal to this user, if, the processing of then withholing, otherwise, the prompting user carries out the step to described account charging, and successful recharging is then carried out the A2 step again, supplement with money unsuccessfully, then finish to pay the fees operation.
S320: third party's payment platform gathers the paying of handling with the settlement accounts that the correspondence that each service unit of providing of HVPS net Zhi Fuzhi offers is provided by described fund deposit mechanism in the back in the described mechanism that writes off.
Step S320 further comprises:
(2-1) paying that regularly will handle of third party's payment platform gathers, and is to classify and gather in the unit those paid expenses with the service unit of providing.At least comprise this paid-up expense summation in the packet that third party's payment platform sends in the fund deposit mechanism, this paid-up expense summation that each service unit of providing can also be provided in the packet that third party's payment platform sends in the fund deposit mechanism certainly.
Total paying after (2-2) the fund deposit mechanism will gather is withholdd from beat the money account, and the described money account of beating is deposited the storage fund that third party's payment platform is stored on described fund deposit mechanism;
(2-3) the total paying that will deduct of fund deposit mechanism is by the HVPS clearing account of HVPS private network account transfer to the corresponding mechanism of writing off;
(2-4) mechanism of writing off keeps accounts to the target account again from HVPS clearing account that shunting keeps accounts to the settlement accounts of each service unit of providing.
Writing off mechanism can be by obtaining or directly obtains from third party's payment platform this paid-up expense summation of each service unit of providing from the fund deposit mechanism, the expense shunting of correspondence is kept accounts to the settlement accounts of the service unit of providing of correspondence.
Below (seeing also Fig. 9) is described with regard to lifting a concrete application examples.
S410: third party's payment platform carries out the agreement of both sides' secure communication in advance with the fund deposit mechanism; That is to say that mutual data security is handled in advance between third party Zhi Pingtai and the fund deposit mechanism, such as, third party's payment platform is disposed enterprise's Net silver client, hardware certificate and the operator of fund deposit mechanism, the user and the password of auditor in advance.Enterprise's Net silver client and hardware certificate are in order to make the interactive communication between third party's payment platform and the fund deposit mechanism safer, the setting of operator and auditor user and password is for to wholesale payment application process artificial interference in addition, guarantee its accuracy, it is to be noted, this auditor both can be the people of reality, also can be a Virtual User in the system, its operation be finished automatically by system.
S420: third party's payment platform provides the page of paying the fees for the user, the guiding user imports the relevant information of paying the fees and finishes payment operation, those information of paying the fees can comprise the area, the project of paying dues, billing unit, the barcode encoding on the bill and the amount of money etc., and those information that will collect are put in order, input to a predefined detail list of paying the fees and are stored.
Third party's payment platform all users' that pay the fees the detail list and submit wholesale payment application to the fund deposit mechanism of paying the fees via enterprise's Net silver client according to the same day, before this wholesale payment application is sent, need through the auditor of third party's payment platform check by.It can be to be the cycle with the sky that third party's payment platform is submitted the time of wholesale payment application to the fund deposit mechanism, also can be to be cycle or the like with the week, and this can make an appointment.
S430: the fund deposit mechanism receives above-mentioned wholesale payment application from third party's payment platform, and the related data of this application carried out pre-service verifying its legitimacy, this proof procedure can be that whether the account number cipher of input mates and whether the amount of money of wholesale payment application waits less than the amount of money in its dozen money account and carry out when initiating wholesale payment application by checking third party payment platform aspect.
Enterprise's Net silver front-end system will be delivered to the core system of fund deposit mechanism by LAN (LAN (Local Area Network)) in the row by the application after the checking, and core system is deducted the corresponding amount of money according to funds transfer system in this application order row from beating of third party's payment platform and cleared account to the HVPS of fund deposit mechanism in the money account.Core system is delivered this wholesale payment application to the HVPS front-end system of fund deposit mechanism again and is handled then.
After the HVPS front-end system of fund deposit mechanism was received the processing request of core system, it initiated wholesale Payment Request by the HVPS private network to HVPS system of the People's Bank according to the unified interface standard of HVPS system of the People's Bank.The HVPS system is forwarded to this request the mechanism of writing off of this correspondence then at first according to this corresponding mechanism of writing off of request coupling, simultaneously the amount of money is changed over to the HVPS clearing account of the mechanism of writing off from the HVPS clearing account of fund deposit mechanism.
S440: after the HVPS front-end system of the mechanism of writing off is received the wholesale Payment Request of above-mentioned forwarding, earlier pre-service is carried out in this request, verify its legitimacy, submit the core system of request to the mechanism of writing off then, core system is deducted the corresponding amount of money to target account according to funds transfer system in this application order row from the HVPS clearing account of the mechanism of writing off.The last again amount of money in this target account the shunting keeps accounts to the settlement accounts of each service unit of providing, thereby finishes whole wholesale clearance process.
In sum, compare with prior art, the application's fare payment system has following advantage:
1, the application finishes various paying the fees on the net by third party's payment platform, and especially government utility is paid the fees, and has avoided the too much bank's cabinet face resource that takies, and has also made things convenient for the user simultaneously, has saved user's quality time.
2, the application is based on the HVPS system of the People's Bank, so its coverage rate is quite wide, has contained commercial bank, credit office and the four big nationalized banks of nationwide, can support the follow-up business of the cause of paying the fees to expand.Large-amount payment system directly is connected with the interior system of the row of each banking industry mechanism in addition, realized handling to the robotization that receives the row overall process, carried out by pen sending, in real time clearance from initiating row, a payment transaction can arrive account less than 1 minute, had accelerated fund clearing speed.
3, the application only needs to handle account at a fund deposit mechanism, greatly reduces the cost of account management.
More than disclosed only be several specific embodiments of the application, but the application is not limited thereto, any those skilled in the art can think variation, all should drop in the application's the protection domain.
Claims (17)
1, a kind of third party's payment platform fare payment system based on the HVPS system, the expense that its user utilizes third party's payment platform that various need are paid is paid by the HVPS system, the fund deposit mechanism that connects by the HVPS private network and the mechanism that writes off in order to write off with each service unit of providing are provided in described HVPS system, described third party's payment platform connects user and described fund deposit mechanism, and it further comprises:
Subscriber payment server: be used to receive and the application of paying the fees of process user, and the corresponding settlement accounts of offering in the described mechanism that writes off by each service unit of providing of described fund deposit mechanism Zhi Fuzhi is provided afterwards the paid expense that will handle;
The database of paying the fees: be connected to the subscriber payment server, be used to preserve the data that comprise the subscriber payment data, handle to finish with the reconciliation of each service unit of providing.
2, the system as claimed in claim 1 is characterized in that, described subscriber payment server further comprises:
User interface section: in order to receive the information of paying the fees of user's input;
The processing unit of paying the fees: link to each other with user interface section,, comprise the expense that needs the are paid processing of withholing in order to the information of paying the fees of process user input;
The described administrative unit of paying the fees links to each other with the processing unit of paying the fees, in order to integration that paid charge information is classified.
3, system as claimed in claim 1 or 2 is characterized in that, the described database of paying the fees further comprises:
The record storage unit of paying the fees: be used to store the information of paying the fees of each user's input, and preserve its corresponding result;
The record sort storage unit of paying the fees: the classified information after being used for paid-up cost information classification integrated is stored.
4, system as claimed in claim 3, it is characterized in that, described system comprises that also being used to preserve the user need pay the fees with each service unit of providing paying platform of information, the described service unit of providing paying platform by network or private line access to third party's payment platform.
5, system as claimed in claim 4 is characterized in that, the database of paying the fees further comprises:
Need pay the fees and use information memory cell, be used for preserving regularly and to provide the unit paying platform to obtain the user from described service need to pay the fees and use information.
6, system as claimed in claim 4 is characterized in that, the described processing unit of paying the fees further comprises:
Pay the fees to trigger and handle subelement: be used for after the request of paying the fees that receives the user, being connected to the corresponding service unit of providing paying platform, obtain the cost information that the user need pay.
7, system as claimed in claim 2 is characterized in that, the described processing unit of paying the fees further comprises the processing subelement of withholing: be used for the corresponding need paying of user account deduction in correspondence.
8, the system as claimed in claim 1 is characterized in that, described fund deposit mechanism further comprises:
The one HVPS front server, be used to set up and the security information of the mechanism that writes off mutual;
First Core server is used to handle the Payment Request that third party's payment platform sends, and the paid-up amount of money is sent to the mechanism that writes off:
First database is used to store the result of Payment Request.
9, system as claimed in claim 8, it is characterized in that, described fund deposit mechanism also comprises fund transfer server in first row, connect first Core server, be used for finishing the paid-up amount of money is deducted processing from beating the money account, describedly beat the money account is opened in described fund deposit mechanism for third party's payment platform account.
10, the system as claimed in claim 1 is characterized in that, the described mechanism of writing off comprises:
The 2nd HVPS front server, it is mutual to be used to the security information set up with the fund deposit mechanism:
The corresponding settlement accounts that each service unit of providing of paid-up amount of money Zhi Fuzhi is offered on local terminal is provided second Core server:
Second database is used to store each payment record.
11, system as claimed in claim 10, it is characterized in that, the described mechanism that writes off also comprises fund transfer server in second row, is connected to second Core server, is used for finishing the corresponding amount of money and squeezes into corresponding settlement accounts operation respectively under the control of second Core server.
12, a kind of third party's payment platform fare payment system based on the HVPS system is characterized in that, comprising:
At least one service unit of providing paying platform is used to provide the user to pay the fees and uses information;
Third party's payment platform, each the service unit of providing paying platform and subscription client are provided respectively, be used to receive user's the request of paying the fees, login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees with information or the need of storing in advance that provide by the service unit of providing paying platform are provided are paid the fees and use information, the need that therefrom obtain user's correspondence are paid the fees with carrying out corresponding processings of withholing after the information, and are unit classification integration to paid expense by the service unit of providing;
The fund deposit mechanism connects described third party's payment platform, and what be used to receive the payment of third party's payment platform is the sorted paid total expenses in unit by the service unit of providing;
The mechanism that writes off is connected to described fund deposit mechanism by the HVPS network, and the account that it has the service unit of providing to offer is used for receiving the paid total expenses that the fund deposit mechanism is delivered on the account of correspondence.
13, a kind of third party's payment platform fee payment method based on the HVPS system, it is paid various paying the fees on the net by third party's payment platform, comprises the steps:
(1) third party's payment platform is accepted some users' the application of paying the fees, and the processing of withholing;
(2) third party's payment platform gathers the paying of handling with the settlement accounts that the correspondence that each service unit of providing of HVPS net Zhi Fuzhi offers is provided by described fund deposit mechanism in the back in the described mechanism that writes off.
14, method as claimed in claim 13 is characterized in that, step (1) third party's payment platform is accepted also to comprise after paying the fees of user applied for:
Login in real time and obtain corresponding need to the corresponding with service unit of providing paying platform and pay the fees and use information, or
The pay the fees need that therefrom obtain user's correspondence with information of the need that provided by the service unit of providing paying platform of searching in advance storage are paid the fees and are used information.
15, method as claimed in claim 13 is characterized in that, step (2) further comprises:
(2-1) paying that regularly will handle of third party's payment platform gathers, and is to classify and gather in the unit those paid expenses with the service unit of providing;
Total paying after (2-2) the fund deposit mechanism will gather is withholdd from beat the money account, and the described money account of beating is deposited the storage fund that third party's payment platform is stored on described fund deposit mechanism;
(2-3) the total paying that will deduct of fund deposit mechanism is by the HVPS clearing account of HVPS private network account transfer to the corresponding mechanism of writing off;
(2-4) mechanism of writing off keeps accounts to the target account again from HVPS clearing account that shunting keeps accounts to the settlement accounts of each service unit of providing.
16, method as claimed in claim 13, it is characterized in that, the advanced line data pre-service of wholesale payment application that third party's payment platform is submitted to the fund deposit mechanism in the step (1), verify its legitimacy, described proof procedure further comprises: whether the amount of money that whether account number cipher mates and the wholesale payment is applied for of input is less than the amount of money in its dozen money account during by checking third party payment platform initiation wholesale payment application.
As claim 13 or 14 described methods, it is characterized in that 17, step (1) also comprises:
A1: third party's payment platform is accepted paying the fees when applying for of user, judges whether described user is the registered user of third party's payment platform, if not, then finish registration step earlier, set up described user account information, carry out A2 again, otherwise directly carry out steps A 2;
A2: third party's payment platform is judged the expense whether amount of money in the user account need be paid more than or equal to this user, if, the processing of then withholing, otherwise, the prompting user carries out the step to described account charging, and successful recharging is then carried out the A2 step again, supplement with money unsuccessfully, then finish to pay the fees operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910140515A CN101540032A (en) | 2009-04-30 | 2009-04-30 | Payment system and method of third-party payment platform based on HVPS system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910140515A CN101540032A (en) | 2009-04-30 | 2009-04-30 | Payment system and method of third-party payment platform based on HVPS system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101540032A true CN101540032A (en) | 2009-09-23 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910140515A Pending CN101540032A (en) | 2009-04-30 | 2009-04-30 | Payment system and method of third-party payment platform based on HVPS system |
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| CN (1) | CN101540032A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101944255A (en) * | 2010-09-02 | 2011-01-12 | 苏州泽佑科技有限公司 | Account recharging operation of comprehensive payment management system |
| CN104424557A (en) * | 2013-09-10 | 2015-03-18 | 北京市燃气集团有限责任公司 | Third-party payment withholding system |
| CN104933552A (en) * | 2015-06-15 | 2015-09-23 | 广西医科大学 | Campus network payment system based on mobile terminal |
| CN110633974A (en) * | 2013-01-15 | 2019-12-31 | 万事达卡国际公司 | System and method for processing off-network transaction messages |
| CN110969422A (en) * | 2018-09-29 | 2020-04-07 | 马震 | Third-party service comprehensive service system and method with payment function for international logistics line |
| CN112215595A (en) * | 2020-10-09 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | Project processing method, system and device |
| CN112926971A (en) * | 2021-03-23 | 2021-06-08 | 支付宝(杭州)信息技术有限公司 | Payment method and device based on stored value card |
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2009
- 2009-04-30 CN CN200910140515A patent/CN101540032A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101944255A (en) * | 2010-09-02 | 2011-01-12 | 苏州泽佑科技有限公司 | Account recharging operation of comprehensive payment management system |
| CN110633974A (en) * | 2013-01-15 | 2019-12-31 | 万事达卡国际公司 | System and method for processing off-network transaction messages |
| CN110633974B (en) * | 2013-01-15 | 2023-09-12 | 万事达卡国际公司 | System and method for processing off-network transaction messages |
| CN104424557A (en) * | 2013-09-10 | 2015-03-18 | 北京市燃气集团有限责任公司 | Third-party payment withholding system |
| CN104933552A (en) * | 2015-06-15 | 2015-09-23 | 广西医科大学 | Campus network payment system based on mobile terminal |
| CN110969422A (en) * | 2018-09-29 | 2020-04-07 | 马震 | Third-party service comprehensive service system and method with payment function for international logistics line |
| CN112215595A (en) * | 2020-10-09 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | Project processing method, system and device |
| CN112926971A (en) * | 2021-03-23 | 2021-06-08 | 支付宝(杭州)信息技术有限公司 | Payment method and device based on stored value card |
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