CN103310333A - Method for realizing fund distribution to third-party payment platform by off-line card swiping of terminal - Google Patents
Method for realizing fund distribution to third-party payment platform by off-line card swiping of terminal Download PDFInfo
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- CN103310333A CN103310333A CN2013101155240A CN201310115524A CN103310333A CN 103310333 A CN103310333 A CN 103310333A CN 2013101155240 A CN2013101155240 A CN 2013101155240A CN 201310115524 A CN201310115524 A CN 201310115524A CN 103310333 A CN103310333 A CN 103310333A
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Abstract
The invention discloses a method applicable to electronic commerce enterprises. The method comprises the following steps: in the process of fund clearing of the undertaken economic activity, under the support of relevant matched payment terminal equipment and relevant technical program software of a fund clearing background system in a financing institution, a buyer swipes a card on the terminal equipment, thus distributing the fund in an bank card of the buyer to a third-party payment platform so as to finish the payment process of the buyer in the transaction; after the buyer receives the goods, inspects the goods without errors and confirms the goods receipt, the fund is distributed into an account of the third-party payment platform of a seller by the third-party payment platform; and the fund distribution to the third-party payment platform by off-line card swiping of the terminal can be realized by establishing a special information network service platform and an electronic commerce network platform with smooth information, complete system and off-line and on-line combination, establishing a special electronic payment channel and a fund clearing system with restraining force, scientifically and reasonably designing the working service process and constructing a real-name member management system with off-line and on-line combination.
Description
Technical field
Be applicable to fields such as the finance that relates to payment, internet, ecommerce.This method is replenishing of existing electric paying method, and the swipe the card E-Payment of the existing main flow of Zhi Fuyu of conventional terminal is organically combined by certain technological means.
Background technology
The payment activity is a process that must contain in all commercial activities, people by cash, transfer accounts, mortgage, mode such as displacement is come a kind of behavior of checking for a certain thing or some goods.Society is mainly the material object expenditure of gold, silver in ancient times.The mode of modern society's payment is varied.The form that cash format is arranged, transfer accounts by bank account, also has the form of online payment.Wherein, online payment refers to carry out as carrier by the internet transfer of fund.Certain digital financial instrument that utilizes bank to support, occur in the financial exchange between buyer and the sellers, and realize from buyer to the financial institution, processes such as the online monetary payoff between the businessman, cash circulation, fund clearing, query statistic, provide finance support for E-business service and other service thus.
1, prior art:
At present, the modes of payments of payment technical field main flow has:
1) pay in cash: the mode of cashing on delivery both may be to pay in cash, and also may be the terminal payment of swiping the card;
2) the terminal payment of swiping the card: adopt telephone public network to carry out the data encryption communication, the signed client holds and adopts dialing to realize networking, in the phone terminal of transferring accounts relevant informations such as encrypted card binding signed client account number, telephone number are set, the employing mode of swiping the card reads bank card information, calls bank card transaction processing flow process such as transfer accounts and realizes transaction.The part particular terminal is not bound seller's account, and buyer user need import numberation of the seller when payment;
3) e-Bank payment: the user can be by the own debit card that has, the bank of credit card, and Web bank is opened in application, carries out online payment, thereby can directly use the Internet bank to pay;
4) third party payment: so-called third party's payment is exactly some and product the country one belongs to and abroad each big bank is signatory and possess the transaction supporting platform that third party's independent agency of certain strength and prestige guarantee provides.In passing through the transaction of third party's payment platform, after buyer's free choice of goods, the account of using third party's platform to provide is carried out the payment for goods payment, notifies seller's payment for goods to arrive, deliver by the third party; Behind buyer's item inspecting, just can give the seller by advice and pay, the third party goes to fund seller's account again;
5) quick payment: the modes of payments that third party's payment platform and money pool are released, the user need not to open in advance Net silver, as long as information such as input card number and mobile phone dynamic password just can be finished quick payment, quick payment allows all kinds of bank card user not need to open especially just online payment easily of Net silver.
2, the shortcoming of prior art:
At present, the big limitation of having paid in cash, transaction also is subjected to factor affecting such as counterfeit money, region, time when needing a large sum of cash; Terminal swipe the card payment, e-Bank payment, realize be card and block between the allocation of the funds, fund is drawn the Ka Nei to the seller in directly the buyer being blocked, may there be mistrustful problem each other in both parties, objectively also have situations such as swindle, and e-Bank payment must be operated by instruments such as computer, mobile phone login Net silver; Third party's payment, quick payment, what realize is the allocation of the funds between card and the third party's payment platform, but these two kinds of methods of payment also need the user to operate by instruments such as computer, mobile phone login Net silver or other e-commerce websites, for part not can or the user of untrusted network operation for, such modes of payments acquires a certain degree of difficulty to it, especially the most vast peasant colony of China; Exist groups of people that network payment is had certain dislike in the reality.
3, the technical scheme that approaches the most with the application's motion in the prior art:
At present, third party Zhi Fuyu this method is comparatively approaching.
4, compare with immediate prior art in the 3rd, what technological merit the application's motion has
At first, this method does not need to use instruments such as computer, mobile phone to carry out network operation in the payment link, directly swipe the card by terminal under the line and realize that user's fund draws the payment platform to the third party, by third party's payment platform fund is drawn to seller third party's payment platform account again.This method relatively more is applicable to partly can not use instruments such as computer, mobile phone the user of the enterprising line operate of network, as: part peasant can not go up net operation, this method can not change its general consumption habit, by the payment of swiping the card fund is drawn the payment platform to the third party, thereby realize the shopping process of safe, secure ecommerce.
Secondly, this method is with the user terminal sign that this behavior finishes as buyer payment in the transaction of swiping the card, next link is just carried out in whole transaction after the behavior of swiping the card finishes be seller's delivery of getting ready the goods, and after the third party pays the user and need online input account number cipher, fund is drawn the payment platform to the third party from bank card, carry out next link again and be seller's delivery of getting ready the goods.This method has objectively been avoided the various potential risks brought because of the network security factor.
5, the application's motion technical matters that will solve:
This method has 2 technical issues that need to address at present:
Participating in each side in this method comprises: buyer user, seller user, information-based service platform (or e-commerce platform), bank, third party's payment platform (or the own payment under guarantee platform of bank).Wherein the system of real name member's (buyer user, seller user) as information-based service platform need sign related protocol with information-based service platform; Need sign an agreement in information-based service platform user (buyer user, seller user), information-based service platform, bank, third party's payment platform four directions, draw to third party's payment platform and reach common understanding with regard to the realization fund of swiping the card of terminal under the line.Agreement is to the effect that: information-based service platform user can swipe the card by terminal hardware and submit remitting money request to bank according to self-demand, and this request content be drawn appointment amount fund to third party's payment platform account for user's need; After request was received by bank, the backstage payment and settlement system of bank was drawn the payment platform to the third party with fund; The buyeies such as third party's payment platform receive goods, check and accept errorless back and confirm to receive, this moment, third party's payment platform was drawn third party's payment platform account (user's information-based service platform account, bank card account and third party's payment platform account are bound one by one) to the seller with this fund.
Banks etc. use the financial institution of this method, need require upgrade to the software in the hardware terminal according to this method, and this method request for utilization is increased in the software program in this hardware.Wherein mainly comprise: the numberation of the seller data in the information-based service platform (or e-commerce platform); Increase the user and can select modes of payments option; When the user carried out the allocation of the funds by this method, bank drew this fund to third party's payment platform but not the seller's bank card account.
Summary of the invention
Intellective IC card some parts such as (also supporting magnetic stripe card) that this method is swiped the card in hardware (can support multiple hardwares), the user's hand by information-based service platform (or e-commerce platform) background management system and the service that provides according to agreement, the backstage payment and settlement system of bank and other financial mechanism and the service that provides according to agreement, third party's payment platform backstage payment and settlement system and the service that provides according to agreement, terminal are formed.
This method is that a kind of e-commerce venture that is applicable to is in the economic activity fund clearing process of being engaged in, under relevant supporting payment terminal equipment and financial institution's fund clearing background system correlation technique program software support, the buyer swipes the card at terminal device, fund in my bank card is drawn the payment platform to the third party, thereby finish buyer's payment process in the transaction, third party's payment platform receives that the buyer goods examines goods errorless, after confirming to receive, fund is drawn to seller third party's payment platform account; By building the specialized information network service platform, have under the line that information is unobstructed, system is complete with line on the electronic commerce network platform that combines; Pay channel, binding payment and settlement system by mails by building specialty; By scientific and reasonable design effort operation flow, by under the line that makes up system of real name with line on the member management system that combines; Can realize that the terminal fund of swiping the card is drawn the payment platform to the third party under the line; Can realize " payment of being commissioned " electronization, the supervision of use of funds electronization, the method for fund closed operation.
Embodiment
1, this method is carried out flow process
1) user oneself places an order or entrusts the seller to form order;
2) under the user behind the intact order, needing to swipe the card by terminal, (card in user's hand also needs bank's adjustment of being correlated with in payment, the newly-increased 0001 special-purpose sub-Account Features of account in should blocking, i.e. " payment of being commissioned " account, fund account is only permitted to transfer accounts in principle in the account, must not withdraw deposit), the user need select the seller in the numbering of information-based service platform (or e-commerce platform) when swiping the card, and select the modes of payments (select the tradition mode of swiping the card, or this method being that the terminal fund of swiping the card is drawn the payment platform to the third party);
3) user finishes terminal and swipes the card after (by POS machine, transfer accounts phone or mobile-phone payment etc.), after this money transfer request is received by financial institution, analyze this transaction and whether belong to this method, as not belonging to then according to routine this transaction of operational processes of swiping the card, then fund in the user account is drawn to the financial institution's payment platform that subscribes to the agreement or third party's payment platform account if belong to the transaction request of this method.
4) user is that fund is drawn the payment platform to the third party as selecting this method to pay, after the third party's payment platform that then subscribes to the agreement is received fund, notify the seller to deliver, information-based service platform makes this order status into received payment according to third party's payment platform feedback information;
5) buyer receive goods and confirm errorless after, swipe the card by terminal again and confirm payment (also can confirm by network platform log-on message service platform), this moment, third party's payment platform was drawn this fund to the seller third party's payment platform account closing the transaction;
The innovation purpose:
1, this method has been enriched the modes of payments, for payment technical field has increased a kind of effective modes of payments, for big impetus is played in socio-economic activity;
2, be commissioned the payment be a kind of modes of payments of loan fund, refer to that creditor (banking financial institutions that in accordance with the law set up) entrusts according to borrower's drawing application and payment, pay the borrower who meets the contract engagement purposes counterparty with loan fund, purpose is the risk of to provide a loan and being diverted in order to reduce; In this method use, user's bank card account can be general debit card, credit card, also can be the bank card that certain particular provisions are arranged, as: the Huinong blocks 0001 special-purpose sub-the account---payment account of being commissioned, the account is only permitted to transfer accounts after the loan origination, must not withdraw deposit; Therefore, this method can realize being commissioned and pay electronization, reaches the purpose of fund closed operation.
3, because in the payment process, information such as capital amount, fund take over party are very clear and definite, at these vestiges that information-based service platform (or e-commerce platform) stays, can help relevant government department or financial institution to carry out effective supervision of fund by fund.
4, pass through this method, the user needn't pay in network platform operation by instruments such as computer or mobile phones, the user can by the simplest also be the modes of payments of swiping the card that most users accept the most, the realization fund is drawn to third party's payment platform or financial institution's payment platform.
5, this method can fine solution groups of people can not used the online computing operation or worry the problems such as trouble that computer is poisoned and brought, and can not or be unwilling to accept existing network payment at big meaning is arranged as specific groups such as peasants.
Useful effect:
This method is the effective tool that " payment of being commissioned " electronization, use of funds flow to electronization supervision, fund closed operation, the financial field there is huge effect, not only can improve the efficiency in the use of funds of financial institution, the risk of the management and control operation of funds preferably.
If this method is generally used, especially low and middle-end client and the user that network held certain suspection and wait-and-see attitude; Will promote the development of China E-Commerce Business and financial field to a great extent so, really accomplish to allow this part user of colony contact ecommerce, allow the advanced technology of network times serve the numerous common people, thereby promote the development of socio-economic activity significantly.
Claims (6)
1. the terminal realization fund of swiping the card is drawn to the method for third party's payment platform under the line, and intellective IC card some parts such as (also supporting magnetic stripe card) that it is swiped the card in hardware (can support multiple hardwares), the user's hand by information-based service platform background management system and the service (or e-commerce platform) that provides according to agreement, the backstage system for settling account of bank and other financial mechanism and the service that provides according to agreement, the backstage payment and settlement system of third party's payment platform and the service that provides according to agreement, terminal are formed; It is a kind of being applicable in the economic activity fund clearing process that the enterprise in fields such as relevant finance, internet, ecommerce is being engaged in, under relevant supporting payment terminal equipment and financial institution's fund clearing background system correlation technique program software support, the buyer swipes the card at terminal device, fund in my bank card is drawn the payment platform to the third party, thereby finish buyer's payment process in the transaction; This method can realize " payment of being commissioned " electronization, and the use of funds electronization is supervised, and reaches the purpose of fund closed operation; It is characterized in that: in the payment process, the user need not Website login only can realize that by the terminal payment of swiping the card fund draws to third party's payment platform account from bank card.
2. according to claim 1, described in the economic activity fund clearing process that the enterprise in fields such as relevant finance, internet, ecommerce is being engaged in, it is characterized in that: when relating to fund clearing in the economic activity in fields such as finance, internet, ecommerce, this method all is suitable for.
3. according to claim 1, described relevant supporting payment terminal equipment, it is characterized in that: hardware terminal equipment such as POS machine, the phone of transferring accounts, self-help terminal equipment, mobile phone, all can use this method under the fund clearing background system software support of specific financial institution.
4. according to claim 1, described financial institution fund clearing background system correlation technique program software, it is characterized in that: financial institution is before implementing this method, computer program background system at financial institution inside is upgraded, and mainly comprises clearing, account processing etc.
5. need not Website login according to claim 1, described user, only can realize that by the terminal payment of swiping the card fund draws to the process of third party's payment platform from bank card, it is characterized in that: the user is in payment process, do not need to operate by network access, after order generates, only need fund in the card to be drawn the payment platform to the third party by swiping the card under the line.
6. according to claim 1, described " payment of being commissioned " electronization, the use of funds electronization is supervised, and reaches the purpose of fund closed operation; It is characterized in that: because in the payment process, information such as cash flow, fund take over party is very clear and definite, these vestiges that stay at information-based service platform (or e-commerce platform) by cash flow, can help financial institution or department of government concerned, solve the demand that the use of funds situation of use of funds side is effectively supervised.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013101155240A CN103310333A (en) | 2013-03-22 | 2013-03-22 | Method for realizing fund distribution to third-party payment platform by off-line card swiping of terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2013101155240A CN103310333A (en) | 2013-03-22 | 2013-03-22 | Method for realizing fund distribution to third-party payment platform by off-line card swiping of terminal |
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| CN103310333A true CN103310333A (en) | 2013-09-18 |
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| CN2013101155240A Pending CN103310333A (en) | 2013-03-22 | 2013-03-22 | Method for realizing fund distribution to third-party payment platform by off-line card swiping of terminal |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104574053A (en) * | 2015-01-26 | 2015-04-29 | 深圳市卡控科技有限公司 | KaBao single-purpose prepayment electronic value card payment method and system |
| WO2016026381A1 (en) * | 2014-08-18 | 2016-02-25 | 阿里巴巴集团控股有限公司 | Method and device for numerical value information transfer |
| CN106845987A (en) * | 2017-01-16 | 2017-06-13 | 重庆中票科技有限公司 | A kind of online match system of bill business and method |
| CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
| CN108288216A (en) * | 2018-01-22 | 2018-07-17 | 温州博盈科技有限公司 | A kind of internet marketing platform application method |
| CN109670929A (en) * | 2018-09-13 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Control method, device, equipment and the computer readable storage medium of loan early warning |
| CN111242753A (en) * | 2020-04-24 | 2020-06-05 | 支付宝(杭州)信息技术有限公司 | Cross-platform operation control method and system |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016026381A1 (en) * | 2014-08-18 | 2016-02-25 | 阿里巴巴集团控股有限公司 | Method and device for numerical value information transfer |
| CN104574053A (en) * | 2015-01-26 | 2015-04-29 | 深圳市卡控科技有限公司 | KaBao single-purpose prepayment electronic value card payment method and system |
| CN106845987A (en) * | 2017-01-16 | 2017-06-13 | 重庆中票科技有限公司 | A kind of online match system of bill business and method |
| CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
| CN108288216A (en) * | 2018-01-22 | 2018-07-17 | 温州博盈科技有限公司 | A kind of internet marketing platform application method |
| CN109670929A (en) * | 2018-09-13 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Control method, device, equipment and the computer readable storage medium of loan early warning |
| CN111242753A (en) * | 2020-04-24 | 2020-06-05 | 支付宝(杭州)信息技术有限公司 | Cross-platform operation control method and system |
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Application publication date: 20130918 |