CN108921534A - A kind of inter-bank method of payment and device - Google Patents
A kind of inter-bank method of payment and device Download PDFInfo
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- CN108921534A CN108921534A CN201810734472.8A CN201810734472A CN108921534A CN 108921534 A CN108921534 A CN 108921534A CN 201810734472 A CN201810734472 A CN 201810734472A CN 108921534 A CN108921534 A CN 108921534A
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- payment
- account
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- settlement
- row system
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention provides a kind of inter-bank method of payment and devices, by receiving electronic payment instruction, and current time is when belonging to the business hours, it is automatic mode that pattern switching, which will be accepted, to determine payment account from the multiple settlement accounts corresponding with electronic payment instruction got automatically, again according to payment account and electronic payment instruction, generate payment instruction, and it sends the payment instruction and receives row system to payment, receive that row system controls Send only Account in it and collecting account carries out payment transaction to pay, to realize that paying initiation goes and pay the inter-bank payment received between row；It can be seen that, in automatic mode, the automatic multiple settlement accounts for obtaining corresponding electronic payment instruction, and it is screened out from it the payment account for payment, effectively reduce artificial participation link, the time for needing artificial screening payment account in row system originally is initiated to eliminate payment, improves inter-bank payment efficiency.
Description
Technical field
The present invention relates to financial fields, and more specifically, it relates to a kind of inter-bank method of payment and devices.
Background technique
With the continuous maturation of network communication technology and e-commerce technology, user house payment services demand is met
Online clearance payment is increasingly becoming one of the preferred means of payment that user trades, and inter-bank payment is as online clearance payment
Important branch, also with online clearance payment development and more and more frequently.
Currently, inter-bank method of payment generally requires first to initiate from payment in multiple alternative payment accounts in row system manually
Payment account is filtered out, to complete and to be paid between the collecting account received in row system using the payment account filtered out
Payment transaction, to realize the inter-bank payment between two rows.However, existing inter-bank method of payment needs to initiate row system in payment
It takes considerable time carry out artificial screening, to determine the payment account of remaining sum abundance, and then causes screening time longer, influence
Inter-bank payment efficiency.
Summary of the invention
In view of this, reducing artificial participation link, Jin Erti the present invention provides a kind of inter-bank method of payment and device
High inter-bank payment efficiency.
To achieve the above object, the present invention provides the following technical solutions：
A kind of inter-bank method of payment is applied to payment and initiates row system, including：
When receiving electronic payment instruction, judge whether current time belongs to the business hours；
If the current time belongs to the business hours, accepting pattern switching is automatic mode, and is obtained and the electricity
At least one corresponding settlement account of sub- payment instruction；
Payment account is determined from the settlement account got；
According to the payment account and the electronic payment instruction, generate payment instruction, and send the payment instruction to
Payment receives row system, so that the payment receives row system according to the payment instruction, controls Send only Account and collecting account
Carry out inter-bank payment.
Preferably, the payment account determining from the settlement account got, including：
Judge in the settlement account got with the presence or absence of the inadequate settlement account of the amount of money, the inadequate settlement account of the amount of money
It is less than the settlement account of Payment Amount in the electronic payment instruction for the amount of money；
If there are the inadequate settlement accounts of the amount of money in the settlement account got, from the settlement account got
The inadequate settlement account of the amount of money is removed, at least one alternative settlement account is obtained；
Judge in the alternative settlement account with the presence or absence of colleague's settlement account；
If there are colleague's settlement accounts in the alternative settlement account, pay a bill using colleague's settlement account as the branch
Family.
Preferably, described to generate payment instruction according to the payment account and the electronic payment instruction, and described in transmission
Payment instruction receives row system to payment, including：
According to colleague's settlement account and the electronic payment instruction, the first payment instruction is generated, and sends described first
Payment instruction receives row system to first, so that described first receives row system according to first payment instruction, control first
Send only Account and the first collecting account carry out inter-bank payment, and first Send only Account is that the payment initiates row system described
The account opened up in first reception row system, first collecting account described first receives to be opened up in row system, is used for
The amount of money that will be got from first Send only Account increases to the gathering user opened up in the first reception row system
The account of account.
Preferably, further include there is no after colleague's settlement account in judging the alternative settlement account：
According to priority, descending arrangement is carried out to the alternative settlement account, and the alternative settlement account of selected and sorted first is made
For the payment account.
Preferably, described to generate payment instruction according to the payment account and the electronic payment instruction, and described in transmission
Payment instruction receives row system to payment, including：
According to the alternative settlement account and the electronic payment instruction of the sequence first, the second payment instruction is generated, concurrently
Second payment instruction is sent to receive row system to second, so that the second reception row system refers to according to second payment
It enables, controls the second Send only Account and the second collecting account carries out inter-bank payment, second Send only Account is payment initiation
Row system account for opening up in the second reception row system, second collecting account are open up gathering user account the
The account that three reception row systems open up in the second reception row system.
Preferably, described to send the payment instruction to payment reception row system, including：
Field mapping is carried out to the payment instruction, and sends the payment for the payment instruction after field maps
Receive row system.
Preferably, the payment instruction is sent to after paying reception row system described, further include：
Row system, which is received, from the payment receives payment result instruction；
When payment result instruction successfully instructs to pay, deducts from the payment account and refer to the e-payment
The equal amount of money of Payment Amount in order, and judge whether the book balance of the payment account after amount of money deduction is normal；
If the book balance of the payment account after the amount of money deduction is abnormal, the payment account after deducting to the amount of money
It is marked, and when receiving amount of money modification instruction, cancels the label of the payment account after deducting to the amount of money, to described
Payment account after the amount of money deducts carries out amount of money modification.
Preferably, the inter-bank method of payment further includes：
When payment result instruction is pays failure command, the pattern switching that accepts is manual mode, and is being connect
When receiving the alternative payment account of selection, using the alternative payment account as the payment account, returns and execute the foundation
The payment account and the electronic payment instruction generate payment instruction；
Alternatively, when payment result instruction is payment failure command, by the payment account from initiating the electronics
The amount of money deducted in the payment user account of payment instruction, returns to the payment user account.
A kind of inter-bank payment mechanism is applied to payment and initiates row system, including：
Judgment module, for when receiving electronic payment instruction, judging whether current time belongs to the business hours；
Settlement account obtains module, if belonging to the business hours for the current time, it is automatic for accepting pattern switching
Mode, and obtain at least one settlement account corresponding with the electronic payment instruction；
Payment account determining module, for determining payment account from the settlement account got；
Generation module, for generating payment instruction according to the payment account and the electronic payment instruction；
Sending module receives row system to payment for sending the payment instruction, so that the payment receives row system
According to the payment instruction, controls Send only Account and collecting account carries out inter-bank payment.
Preferably, the payment account determining module includes：
First judging unit whether there is the inadequate settlement account of the amount of money, institute in the settlement account for judging to get
Stating the inadequate settlement account of the amount of money is the settlement account that the amount of money is less than Payment Amount in the electronic payment instruction；
Removal unit, if there are the inadequate settlement account of the amount of money in the settlement account for getting, from getting
The settlement account in remove the inadequate settlement account of the amount of money, obtain at least one alternative settlement account；
Second judgment unit, for judging in the alternative settlement account with the presence or absence of colleague's settlement account；
First payment account selecting unit, if for there are colleague's settlement accounts in the alternative settlement account, it will be described
Settlement account of going together is as the payment account.
Preferably, the payment account determining module further includes：
Second payment account selecting unit, for judging not deposit in the alternative settlement account in the second judgment unit
After settlement account of going together, according to priority, descending arrangement is carried out to the alternative settlement account, and selected and sorted first is alternative
Settlement account is as the payment account.
Preferably, the sending module includes：
Transmission unit, for carrying out field mapping to the payment instruction, and by the payment instruction after field maps
It is sent to the payment and receives row system.
It can be seen via above technical scheme that compared with prior art, the present invention provides a kind of inter-bank method of payment and
Device, by receiving electronic payment instruction, and when current time belongs to the business hours, will accept pattern switching is automatic mold
Formula, to determine payment account from the multiple settlement accounts corresponding with electronic payment instruction got automatically, then according to branch
It pays a bill family and electronic payment instruction, generates payment instruction, and send the payment instruction to payment reception row system, connect to pay
It receives the Send only Account that row system controls in it and carries out payment transaction with collecting account, initiate to go to receive row with payment to realize to pay
Between inter-bank payment；As it can be seen that in automatic mode, the automatic multiple settlement accounts for obtaining corresponding electronic payment instruction, and therefrom
The payment account for payment is filtered out, artificial participation link is effectively reduced, so that eliminating payment initiates original in row system
This needs the time of artificial screening payment account, improves inter-bank payment efficiency.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of method flow diagram of inter-bank method of payment provided in an embodiment of the present invention；
Fig. 2 is the method flow diagram of another inter-bank method of payment provided in an embodiment of the present invention；
Fig. 3 is the method flow diagram of another inter-bank method of payment provided in an embodiment of the present invention；
Fig. 4 is the method flow diagram of another inter-bank method of payment provided in an embodiment of the present invention；
Fig. 5 is a kind of structural schematic diagram of inter-bank payment mechanism provided in an embodiment of the present invention；
Fig. 6 is a kind of structural schematic diagram of payment account determining module provided in an embodiment of the present invention；
Fig. 7 is a kind of structural schematic diagram of sending module provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The embodiment of the invention discloses a kind of inter-bank methods of payment, are applied to payment and initiate row system, refer to attached drawing 1,
The method specifically includes following steps：
S101：When receiving electronic payment instruction, judge whether current time belongs to the business hours, if so, executing
S102, if it is not, then executing S103；
Specifically, electronic payment instruction refers to the payment user for needing to carry out inter-bank payment, row system institute is initiated in payment
The instruction for payment initiated.
At the time of current time refers to that the payment user for needing to carry out inter-bank payment initiates electronic payment instruction.
Business hours refer to that payment is initiated the period in the normal business stage of row default, such as daily 8 points-
17 points.
S102：Accepting pattern switching is automatic mode, and obtains at least one settlement account corresponding with electronic payment instruction,
And execute S104；
Specifically, when judging that current time belongs to the business hours, the pattern switching that accepts that row system is initiated in payment is
Automatic mode carries out the automatic screening of settlement account at this point, row system is initiated in payment can be directed to received electronic payment instruction
Operation participates in avoid artificial.
Settlement account corresponding with electronic payment instruction can refer to payment initiate row system itself opened up, can be selected
The account of inter-bank payment is carried out for payment user.The number of settlement account corresponding with electronic payment instruction can be multiple.
S103：Accepting pattern switching is manual mode, and stores the electronic payment instruction received；
Specifically, payment initiation row system accepts pattern switching when judging that current time belongs to non operation time
For manual mode, received electronic payment instruction is stored at this point, row system is initiated in payment, to be initiated in payment
When row system is in the business hours, the electronic payment instruction of storage is successively handled, to solve because current time belongs to
In non operation time, and the problem of omit electronic payment instruction.
S104：Payment account is determined from the settlement account got, and executes S105；
Specifically, payment account can be one selected from the multiple settlement accounts got for being payment user
Carry out the account of inter-bank payment.
S105：According to payment account and electronic payment instruction, payment instruction is generated, and sends payment instruction and is received to payment
Row system, so that payment, which receives row system, carries out inter-bank payment according to payment instruction, control Send only Account and collecting account；
Specifically, payment instruction can be the payment information in relevant information and electronic payment instruction by payment account into
Instruction generated after row Data Integration.Wherein, the payment information in electronic payment instruction may include Payment Amount, gathering account
The name on account at family, payment receive the information such as line code；The relevant information of payment account can be the name on account of payment account.
Payment receive row system in Send only Account can be payment initiate row system payment receive row system in open up
Account, be mainly used for inter-bank payment；Send only Account is also that payment receives the account opened up in row system, is mainly used for receiving and pay
The amount of money of money account inter-bank payment, i.e. inter-bank are collected money.
It should be noted that payment receives the payment determined in Send only Account and payment initiation row system in row system
There are corresponding relationships between account, and there are the gold in the amount of money in the Send only Account of corresponding relationship and the payment account determined
Volume is always consistent, can quickly determine according to the payment instruction received for inter-bank to pay and receive row system
The Send only Account of payment.
The embodiment of the invention discloses a kind of inter-bank methods of payment, are applied to payment and initiate row system, by receiving
Electronic payment instruction, and when current time belongs to the business hours, will accept pattern switching is automatic mode, thus automatically from acquisition
To multiple settlement accounts corresponding with electronic payment instruction in determine payment account, then refer to according to payment account and e-payment
It enables, generates payment instruction, and send the payment instruction and receive row system to payment, controlled in it to pay reception row system
Send only Account and collecting account carry out payment transaction, to realize that row is initiated in payment and payment receives the inter-bank between going and pays；It can
See, in automatic mode, the automatic multiple settlement accounts for obtaining corresponding electronic payment instruction, and it is screened out from it the branch for payment
Pay a bill family, effectively reduce it is artificial participate in link, initiate to need artificial screening to pay originally in row system to eliminate payment
The time of account improves inter-bank payment efficiency.
Optionally, S105 in embodiment corresponding to above-mentioned attached drawing 1：Sending Payments instruction receives row system to payment, specifically
Including：
Field mapping is carried out to payment instruction, and sends payment for the payment instruction after field maps and receives row system
System.
It should be noted that field mapping is mapped as to be paid for for that will pay the payment instruction initiated in row system
The instruction of row system identification is received, it, can be received after row system receives the payment instruction after field maps in payment
It quickly identifies and controls Send only Account and collecting account carries out inter-bank payment.
In the embodiment of the present invention, by referring to payment instruction progress field mapping, then by the payment after field maps
Order is sent to payment and receives row system, the speed that payment receives row system identification payment instruction can be improved, and then accelerate inter-bank
Payment efficiency.
On the basis of the embodiment corresponding to above-mentioned attached drawing 1, the embodiment of the invention discloses another inter-bank method of payment,
Row system is initiated applied to payment, refers to attached drawing 2, the method specifically includes following steps：
S201：When receiving electronic payment instruction, judge whether current time belongs to the business hours, if so, executing
S202, if it is not, then executing S203.
S202：Accepting pattern switching is automatic mode, and obtains at least one settlement account corresponding with electronic payment instruction,
And execute S204.
S203：Accepting pattern switching is manual mode, and stores the electronic payment instruction received.
S204：Judge that, with the presence or absence of the inadequate settlement account of the amount of money in the settlement account got, the inadequate settlement account of the amount of money is
The amount of money is less than the settlement account of Payment Amount in electronic payment instruction, if so, S205 is executed, if it is not, then executing S206.
S205：The inadequate settlement account of the amount of money is removed from the settlement account got, obtains at least one alternative settlement account, and
Execute S207；
It should be noted that the amount of money in each the alternative settlement account obtained is all larger than or is equal in electronic payment instruction
Payment Amount.
S206：The settlement account that will acquire alternately settlement account, and execute S207.
S207：Judge with the presence or absence of colleague's settlement account in alternative settlement account, if so, S208 is executed, if it is not, then executing
S209；
Specifically, there are the Send only Accounts of corresponding relationship for the settlement account of going together for initiating to open up in row system with payment, and receive
Money user account belongs to same payment and receives row system.Wherein, gathering user account is the payment for initiating electronic payment instruction
User carries out the inter-bank targeted user that pays the bill and in payment receives the account that is opened up of row system.
S208：According to colleague's settlement account and electronic payment instruction, the first payment instruction is generated, and sends the first payment instruction
Row system is received to first, so that first receives row system according to the first payment instruction, the first Send only Account and first is controlled and receives
Money account carries out inter-bank payment, and the first Send only Account is the account that payment initiates that row system opens up in the first reception row system,
First collecting account is to open up in the first reception row system, and the amount of money for will get from the first Send only Account increases to
The account of the gathering user account opened up in first reception row system；
Specifically, the first Send only Account for opening up and go together that there are corresponding relationships for settlement account in the first reception row system, and
The amount of money that the first collecting account opened up in first reception row system is used to get from the first Send only Account, increases to first
Receive the gathering user account opened up in row system.It is being opened up that is, row system is initiated in the payment that there is colleague's settlement account
The first of gathering user account receives in row system, offers one for carrying out the of inter-bank payment with the first collecting account
One Send only Account, and collect money user account and the first Send only Account belongs to same reception row system.
Below for " first receives row system according to the first payment instruction, controls the first Send only Account and the first gathering account
Family carries out inter-bank payment " it is illustrated：" the first reception row system A " is receiving first from " row system B is initiated in payment "
After payment instruction, the first Send only Account corresponding to the settlement account of going together from first payment instruction as payment account
In, the amount of money equal with Payment Amount in the first payment instruction is deducted, then the amount of money of deduction is increased into the first collecting account, with
Just gathering user account is given to by the amount of money that the first collecting account is obtained in time, " row system is initiated in payment to realize
Inter-bank in B " between payment user and " first receives row system A " middle gathering user is paid.
S209：According to priority, descending arrangement is carried out to alternative settlement account, and the alternative settlement account of selected and sorted first is made
For payment account, and execute S210；
Specifically, the priority of alternative settlement account can be according to its frequency of use height and preset and preferential
The height of grade and the height of frequency of use are proportional.If frequency of use is higher, then priority is higher.
S210：According to the alternative settlement account and electronic payment instruction of sequence first, the second payment instruction is generated, and sends the
Two payment instructions receive row system to second, so that second receives row system according to the second payment instruction, control the second payment account
Family and the second collecting account carry out inter-bank payment, and the second Send only Account is that payment initiation row system is opened in the second reception row system
If account, the second collecting account be open up gathering user account third receive row system second reception row system in open up
Account；
Specifically, the alternative settlement account presence pair of the second Send only Account opened up in the second reception row system and sequence first
The amount of money that the second collecting account that should be related to, and open up in the second reception row system is used to get from the second Send only Account,
Increase to and offers the second collecting account that the third reception row system of gathering user account opens up in the second reception row system.
It is connect that is, row system is initiated in the payment that there is the alternative settlement account of sequence first with the third for offering gathering user account
It receives row system, respectively opens up an account in the second reception row system, i.e., it is corresponding with the alternative settlement account of sequence first
The second Send only Account and the second collecting account, and user account of collecting money belongs to different reception rows from the second Send only Account
System.
Below for " second receives row system according to the second payment instruction, controls the second Send only Account and the second gathering account
Family carries out inter-bank payment " it is illustrated：" the second reception row system A " is receiving second from " row system B is initiated in payment "
After payment instruction, second corresponding to the alternative settlement account from second payment instruction as the sequence first of payment account
In Send only Account, the amount of money equal with Payment Amount in the second payment instruction is deducted, then the amount of money of deduction is increased into the second receipts
Money account, to be used again by the gathering that the amount of money that the second collecting account is obtained in time is given in " third receives row system C "
Family account, to realize in pay the bill in " row system B is initiated in payment " user and " third receives row system C " between gathering user
Inter-bank payment.
The embodiment of the invention discloses a kind of inter-bank methods of payment, are applied to payment and initiate row system, are removed by judgement
With the presence or absence of colleague's settlement account in alternative settlement account obtained after the amount of money inadequate settlement account, and in the presence of judgement, according to
According to colleague's settlement account and electronic payment instruction, the first payment instruction is generated, and sends first payment instruction and receives row to first
System so that first receives row system according to the first payment instruction, the first Send only Account of control and the progress of the first collecting account across
Row payment；In the absence of judgement, according to the alternative settlement account and electronics for carrying out sequence first after descending arrangement according to priority
Payment instruction generates the second payment instruction, and sends second payment instruction and receive row system to second, so that second receives row
System controls the second Send only Account and the second collecting account carries out inter-bank payment according to the second payment instruction；As it can be seen that successively judging
With the presence or absence of the inadequate settlement account of the amount of money in the settlement account got, and with the presence or absence of colleague's settlement account, can preferentially select
The amount of money is sufficient, and belongs to the Send only Account progress inter-bank payment that same payment receives row system with gathering user account, with reduction
The inter-bank time required for payment, and then improve inter-bank payment efficiency.
On the basis of the embodiment corresponding to above-mentioned attached drawing 1, the embodiment of the invention discloses another inter-bank method of payment,
Row system is initiated applied to payment, refers to attached drawing 3, the method specifically includes following steps：
S301：When receiving electronic payment instruction, judge whether current time belongs to the business hours, if so, executing
S302, if it is not, then executing S303.
S302：Accepting pattern switching is automatic mode, and obtains at least one settlement account corresponding with electronic payment instruction,
And execute S304.
S303：Accepting pattern switching is manual mode, and stores the electronic payment instruction received.
S304：Payment account is determined from the settlement account got, and executes S305.
S305：According to payment account and electronic payment instruction, payment instruction is generated, and sends payment instruction and is received to payment
Row system so that payment, which receives row system, carries out inter-bank payment according to payment instruction, control Send only Account and collecting account, and is held
Row S306.
S306：Row system is received from payment and receives payment result instruction, and executes S307.
S307：When payment result instruction successfully instructs to pay, deducts from payment account and paid with electronic payment instruction
The equal amount of money of the money amount of money, and judge whether the book balance of the payment account after amount of money deduction is normal, if it is not, then executing
S308, if so, terminating；
Specifically, pay successfully instruction can be payment receive row system control Send only Account and collecting account complete across
Instruction generated after row payment.Wherein, complete inter-bank payment refer to payment receive row system from Send only Account deducted with
The equal amount of money of Payment Amount in payment instruction, and the amount of money of deduction is increased into collecting account.
The book balance of payment account after amount of money deduction, which refers to, to be deducted from payment account and pays the bill in electronic payment instruction
After the equal amount of money of the amount of money, the remaining amount of money of payment account.
Judge whether the book balance of the payment account after the amount of money deducts is normal, can be the payment after judging amount of money deduction
Whether the book balance of account is consistent with the book balance of Send only Account after inter-bank is paid is completed in payment reception row system.
S308：Payment account after deducting to the amount of money is marked, and when receiving amount of money modification instruction, cancels to gold
The label of payment account after volume deduction, the payment account after deducting to the amount of money carry out amount of money modification；
Specifically, when the book balance of the payment account after judging that the amount of money deducts is abnormal, it was demonstrated that Send only Account exists
Payment, which receives, has carried out the transaction of other inter-bank in row system, and inter-bank Transaction Information is not synchronized to payment and is initiated in row system
Payment account after the amount of money deducts facilitates payment and initiates row system at this point, the payment account after deducting to the amount of money is marked
Subsequent core account is carried out, to ensure that the payment account after the amount of money deducts remains that the amount of money is consistent with Send only Account.
Payment account after deducting to the amount of money carries out amount of money modification, the book of the payment account after mainly deducting the amount of money
Remaining sum is revised as receiving the consistent amount of money of book balance of the Send only Account after completing inter-bank payment in row system with payment.
The embodiment of the invention discloses a kind of inter-bank methods of payment, are applied to payment and initiate row system, by paying in transmission
Money instruction to payment receive row system after, and from payment receive row system receive pay successfully instruct when, from payment account
The amount of money equal with Payment Amount in electronic payment instruction is deducted, and judges that the book balance of the payment account after amount of money deduction is
No normal, the payment account after then deducting if abnormal, to the amount of money is marked, and when receiving amount of money modification instruction, takes
The label of the payment account to disappear after being deducted to the amount of money, then amount of money modification is carried out to the payment account after amount of money deduction；As it can be seen that
Whether the book balance of the payment account after deducting to the amount of money is normally carried out judgement, initiates to pay in row system to payment to realize
The amount of money of account and payment receive the whether consistent real time monitoring of the amount of money of Send only Account in row system, so effectively reduce across
The error generation rate of row payment amount.
On the basis of the embodiment corresponding to above-mentioned attached drawing 1, the embodiment of the invention discloses another inter-bank method of payment,
Row system is initiated applied to payment, refers to attached drawing 4, the method specifically includes following steps：
S401：When receiving electronic payment instruction, judge whether current time belongs to the business hours, if so, executing
S402, if it is not, then executing S403.
S402：Accepting pattern switching is automatic mode, and obtains at least one settlement account corresponding with electronic payment instruction,
And execute S404.
S403：Accepting pattern switching is manual mode, and stores the electronic payment instruction received.
S404：Payment account is determined from the settlement account got, and executes S405.
S405：According to payment account and electronic payment instruction, payment instruction is generated, and sends payment instruction and is received to payment
Row system so that payment, which receives row system, carries out inter-bank payment according to payment instruction, control Send only Account and collecting account, and is held
Row S406.
S406：Row system is received from payment and receives payment result instruction, and executes S407.
S407：When payment result instruction is pays failure command, accepting pattern switching is manual mode, and is being received
When the alternative payment account of selection, using alternative payment account as payment account, and returns and execute S405；
Specifically, payment failure command can be payment receive row system control Send only Account and collecting account do not complete across
Instruction generated after row payment.Wherein, do not complete inter-bank payment refer to payment receive row system from Send only Account deducted with
The equal amount of money of Payment Amount in payment instruction, but the amount of money of deduction is simultaneously increased into collecting account not successfully.
Alternative payment account can be the settlement account arbitrarily selected from multiple settlement accounts that S402 is got.
Alternatively, when payment result instruction is pays failure command, by payment account paying from initiation electronic payment instruction
The amount of money deducted in money user account returns to payment user account.
It should be noted that initiating row system to payment in payment user initiates electronic payment instruction, and pays and initiate row
After system determines payment account, row system is initiated in payment can deduct from payment user account and pay the bill in electronic payment instruction
The equal amount of money of the amount of money, and the amount of money of deduction is increased in payment account.Therefore, when payment result instruction unsuccessfully refers to for payment
When enabling, the amount of money that can also deduct payment account from the payment user account for initiating electronic payment instruction returns to payment
User account, to prompt the payment failure of this inter-bank of user, to terminate the payment of this inter-bank.
The embodiment of the invention discloses a kind of inter-bank methods of payment, are applied to payment and initiate row system, by paying in transmission
Money instruction to payment receive row system after, and from payment receive row system receive payment failure command when, mode will be accepted
It is switched to manual mode, and in the alternative payment account for receiving artificial selection, using alternative payment account as payment account,
Again according to current payment account and electronic payment instruction, payment instruction is generated, so that payment receives row system secondary control again
Send only Account and collecting account carry out inter-bank payment；As it can be seen that will accept pattern switching is manual mode, and artificial selection is alternatively propped up
Family pay a bill as new payment account, inter-bank payment can be carried out again, to reduce the failure probability of inter-bank payment.
The embodiment of the invention discloses a kind of inter-bank payment mechanisms, are applied to payment and initiate row system, refer to attached drawing 5,
It specifically includes：
Judgment module 501, for when receiving electronic payment instruction, judging whether current time belongs to the business hours；
Settlement account obtains module 502, if belonging to the business hours for current time, accepting pattern switching is automatic mold
Formula, and obtain at least one settlement account corresponding with electronic payment instruction；
Payment account determining module 503, for determining payment account from the settlement account got；
Generation module 504, for generating payment instruction according to payment account and electronic payment instruction；
Sending module 505 instructs to payment for Sending Payments and receives row system, so that payment receives row system foundation and pays
Money instruction, control Send only Account and collecting account carry out inter-bank payment.
The embodiment of the invention discloses a kind of inter-bank payment mechanisms, are applied to payment and initiate row system, are obtained by settlement account
Modulus block 502 is receiving electronic payment instruction, and when current time belongs to the business hours, and will accept pattern switching is automatic mold
Formula, and obtain corresponding with electronic payment instruction multiple settlement accounts automatically, so that payment account determining module 503 is from getting
Determine payment account in multiple settlement accounts, then by generation module 504 according to the payment account and electronic payment instruction determined,
Payment instruction is generated, sending module 505 sends the payment instruction and receives row system to payment, receives the control of row system to pay
Send only Account and collecting account in it carry out payment transaction, to realize that row is initiated in payment and payment receives the inter-bank branch between going
It pays；As it can be seen that in automatic mode, the automatic multiple settlement accounts for obtaining corresponding electronic payment instruction, and be screened out from it for paying
The payment account of money effectively reduces artificial participation link, so that eliminating payment initiates the interior artificial sieve of needs originally of row system
The time for selecting payment account improves inter-bank payment efficiency.
The course of work of modules provided in an embodiment of the present invention please refers to method flow diagram corresponding to attached drawing 1, tool
Body running process repeats no more.
Optionally, the payment account determining module 503 in embodiment corresponding to above-mentioned attached drawing 5, specifically includes：
First judging unit 5031 whether there is the inadequate settlement account of the amount of money, gold in the settlement account for judging to get
The inadequate settlement account of volume is the settlement account that the amount of money is less than Payment Amount in electronic payment instruction；
Removal unit 5032, if there are the inadequate settlement accounts of the amount of money in settlement account for getting, from the knot got
It calculates and removes the inadequate settlement account of the amount of money in family, obtain at least one alternative settlement account；
Second judgment unit 5033, for judging in alternative settlement account with the presence or absence of colleague's settlement account；
First payment account selecting unit 5034, if settling accounts colleague for there is colleague's settlement account in alternative settlement account
Family is as payment account；
Second payment account selecting unit 5035, for judging not deposit in alternative settlement account in second judgment unit 5033
After settlement account of going together, according to priority, descending arrangement, and the alternative clearing of selected and sorted first are carried out to alternative settlement account
Family is as payment account.
In the embodiment of the present invention, judge to eliminate the amount of money through removal unit 5032 by second judgment unit 5033 inadequate
With the presence or absence of colleague's settlement account in alternative settlement account obtained after settlement account, and in the presence of judgement, 504 foundation of generation module
The colleague's settlement account and electronic payment instruction of first payment account selecting unit 5034 selection, the first payment instruction of generation, and by
Sending module 505 sends first payment instruction and receives row system to first, so that first receives row system according to the first payment
Instruction, controls the first Send only Account and the first collecting account carries out inter-bank payment；In the absence of judgement, generation module 504 according to
According to the alternative settlement account for carrying out sequence first after descending arrangement according to priority of the second payment account selecting unit 5035 selection
And electronic payment instruction, the second payment instruction is generated, and second payment instruction is sent by sending module 505 and receives row to second
System so that second receives row system according to the second payment instruction, the second Send only Account of control and the progress of the second collecting account across
Row payment；As it can be seen that successively judging with the presence or absence of the inadequate settlement account of the amount of money in the settlement account got, and with the presence or absence of colleague
Settlement account can preferentially select the amount of money sufficient, and belong to the Send only Account that same payment receives row system with gathering user account
Inter-bank payment is carried out, to reduce the inter-bank time required for payment, and then improves inter-bank payment efficiency.
The course of work of modules provided in an embodiment of the present invention please refers to method flow diagram corresponding to attached drawing 2, tool
Body running process repeats no more.
Optionally, the sending module 505 in embodiment corresponding to above-mentioned attached drawing 5, specifically includes：
Transmission unit 5051, for carrying out field mapping to the payment instruction, and by the payment after field maps
Instruction is sent to the payment and receives row system.
It should be noted that field mapping is mapped as to be paid for for that will pay the payment instruction initiated in row system
The instruction of row system identification is received, to receive the process field mapping that row system receives the transmission of transmission unit 5051 in payment
After payment instruction afterwards, it can quickly identify and control Send only Account and collecting account carries out inter-bank payment.
In the embodiment of the present invention, field mapping is carried out to payment instruction by transmission unit 5051, then will reflect by field
Payment instruction after penetrating is sent to payment and receives row system, and the speed that payment receives row system identification payment instruction can be improved,
And then accelerate inter-bank payment efficiency.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (12)
1. a kind of inter-bank method of payment, which is characterized in that it is applied to payment and initiates row system, including：
When receiving electronic payment instruction, judge whether current time belongs to the business hours；
If the current time belongs to the business hours, accepting pattern switching is automatic mode, and is obtained and the electronics branch
Pay instruction at least one corresponding settlement account；
Payment account is determined from the settlement account got；
According to the payment account and the electronic payment instruction, payment instruction is generated, and sends the payment instruction to payment
Row system is received, so that the payment receives row system according to the payment instruction, Send only Account is controlled and collecting account carries out
Inter-bank payment.
2. inter-bank method of payment according to claim 1, which is characterized in that described true from the settlement account got
Determine payment account, including：
Judge that, with the presence or absence of the inadequate settlement account of the amount of money in the settlement account got, the inadequate settlement account of the amount of money is gold
Volume is less than the settlement account of Payment Amount in the electronic payment instruction；
If there are the inadequate settlement accounts of the amount of money in the settlement account got, removed from the settlement account got
The inadequate settlement account of the amount of money, obtains at least one alternative settlement account；
Judge in the alternative settlement account with the presence or absence of colleague's settlement account；
If there are colleague's settlement accounts in the alternative settlement account, using colleague's settlement account as the payment account.
3. inter-bank method of payment according to claim 2, which is characterized in that described according to the payment account and the electricity
Sub- payment instruction generates payment instruction, and sends the payment instruction and receive row system to payment, including：
According to colleague's settlement account and the electronic payment instruction, the first payment instruction is generated, and sends first payment
It instructs to first and receives row system, so that described first receives row system according to first payment instruction, the first payment of control
Account and the first collecting account carry out inter-bank payment, and first Send only Account is that the payment initiates row system described first
The account that opens up in row system is received, is opened up in the first collecting account the first reception row system, being used for will be from
The amount of money that first Send only Account is got increases to the gathering user account opened up in the first reception row system
Account.
4. inter-bank method of payment according to claim 2, which is characterized in that do not deposited in judging the alternative settlement account
After colleague's settlement account, further include：
According to priority, descending arrangement is carried out to the alternative settlement account, and the alternative settlement account of selected and sorted first is as institute
State payment account.
5. inter-bank method of payment according to claim 4, which is characterized in that described according to the payment account and the electricity
Sub- payment instruction generates payment instruction, and sends the payment instruction and receive row system to payment, including：
According to the alternative settlement account and the electronic payment instruction of the sequence first, the second payment instruction is generated, and send institute
It states the second payment instruction and receives row system to second, so that described second receives row system according to second payment instruction, control
It makes the second Send only Account and the second collecting account carries out inter-bank payment, second Send only Account is that row system is initiated in the payment
The account opened up in the second reception row system, second collecting account are the third reception for opening up gathering user account
The account that row system opens up in the second reception row system.
6. inter-bank method of payment according to claim 1, which is characterized in that the transmission payment instruction connects to payment
Row system is received, including：
Field mapping is carried out to the payment instruction, and sends the payment for the payment instruction after field maps and receives
Row system.
7. inter-bank method of payment according to claim 1, which is characterized in that send the payment instruction to payment described
After receiving row system, further include：
Row system, which is received, from the payment receives payment result instruction；
When payment result instruction successfully instructs to pay, from payment account deduction and the electronic payment instruction
The equal amount of money of Payment Amount, and judge whether the book balance of the payment account after amount of money deduction is normal；
If the book balance of the payment account after the amount of money deduction is abnormal, the payment account after deducting to the amount of money is carried out
Label, and when receiving amount of money modification instruction, cancel the label of the payment account after deducting to the amount of money, to the amount of money
Payment account after deduction carries out amount of money modification.
8. inter-bank method of payment according to claim 7, which is characterized in that further include：
When payment result instruction is pays failure command, the pattern switching that accepts is manual mode, and is being received
When the alternative payment account of selection, using the alternative payment account as the payment account, returns and execute described in the foundation
Payment account and the electronic payment instruction generate payment instruction；
Alternatively, when payment result instruction is payment failure command, by the payment account from initiating the e-payment
The amount of money deducted in the payment user account of instruction, returns to the payment user account.
9. a kind of inter-bank payment mechanism, which is characterized in that it is applied to payment and initiates row system, including：
Judgment module, for when receiving electronic payment instruction, judging whether current time belongs to the business hours；
Settlement account obtains module, if belonging to the business hours for the current time, accepting pattern switching is automatic mode,
And obtain at least one settlement account corresponding with the electronic payment instruction；
Payment account determining module, for determining payment account from the settlement account got；
Generation module, for generating payment instruction according to the payment account and the electronic payment instruction；
Sending module receives row system to payment for sending the payment instruction, so that the payment receives row system foundation
The payment instruction, control Send only Account and collecting account carry out inter-bank payment.
10. inter-bank payment mechanism according to claim 9, which is characterized in that the payment account determining module includes：
First judging unit whether there is the inadequate settlement account of the amount of money, the gold in the settlement account for judging to get
The inadequate settlement account of volume is the settlement account that the amount of money is less than Payment Amount in the electronic payment instruction；
Removal unit, if there are the inadequate settlement accounts of the amount of money in the settlement account for getting, from the institute got
It states and removes the inadequate settlement account of the amount of money in settlement account, obtain at least one alternative settlement account；
Second judgment unit, for judging in the alternative settlement account with the presence or absence of colleague's settlement account；
First payment account selecting unit, if for there are colleague's settlement accounts in the alternative settlement account, by the colleague
Settlement account is as the payment account.
11. inter-bank payment mechanism according to claim 10, which is characterized in that the payment account determining module is also wrapped
It includes：
Second payment account selecting unit, for judging that there is no same in the alternative settlement account in the second judgment unit
After row settlement account, according to priority, descending arrangement, and the alternative clearing of selected and sorted first are carried out to the alternative settlement account
Family is as the payment account.
12. inter-bank payment mechanism according to claim 9, which is characterized in that the sending module includes：
Transmission unit for carrying out field mapping to the payment instruction, and the payment instruction after field maps is sent
Row system is received to the payment.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810734472.8A CN108921534A (en) | 2018-07-06 | 2018-07-06 | A kind of inter-bank method of payment and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810734472.8A CN108921534A (en) | 2018-07-06 | 2018-07-06 | A kind of inter-bank method of payment and device |
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| CN108921534A true CN108921534A (en) | 2018-11-30 |
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| CN201810734472.8A Pending CN108921534A (en) | 2018-07-06 | 2018-07-06 | A kind of inter-bank method of payment and device |
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| CN113781230A (en) * | 2021-09-24 | 2021-12-10 | 支付宝(杭州)信息技术有限公司 | Transaction processing method and device based on block chain |
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