CN116563043A - Financial payment method, system and related device - Google Patents
Financial payment method, system and related device Download PDFInfo
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- CN116563043A CN116563043A CN202211743528.9A CN202211743528A CN116563043A CN 116563043 A CN116563043 A CN 116563043A CN 202211743528 A CN202211743528 A CN 202211743528A CN 116563043 A CN116563043 A CN 116563043A
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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
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
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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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
Abstract
The application provides a financial payment method, a system and a related device, and relates to the field of financial payment, wherein the method comprises the following steps: receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit; carrying out encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data; and carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after verification is passed. According to the financial payment system, when financial budget units need to carry out financial payment, an encrypted financial payment application can be sent through the client, electronic financial payment can be realized based on the encrypted financial payment application, the process of paper certificates and bill circulation is cancelled, the efficiency is higher, and the payment is more timely.
Description
Technical Field
The present disclosure relates to the technical field of financial payment, and in particular, to a financial payment method, system and related device.
Background
At present, when each level of financial budget units needs to pay for a third party, corresponding budget amount is applied, a financial department of the financial budget units opens cash transfer checks, then staff holds paper cash checks, pays funds to the corresponding bank counter opened by the financial budget account, and receives a receipt, so that one-time payment of the fees is completed.
However, the total number of financial charges required to be paid per year by the financial budget units such as city and county in each level is as high as nearly ten thousand, a large amount of financial payment information is required to be paid by the staff, corresponding payment cash vouchers are required to be opened, and the financial budget units are then paid by banks, so that the efficiency is low and the payment is not timely.
Disclosure of Invention
In view of this, the present application provides a financial payment method, system and related device, which are used for solving the problems of low efficiency and untimely payment existing in the prior art that the financial payment is performed based on payment cash vouchers, and the technical scheme is as follows:
a financial payment method comprising:
receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit, wherein the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair;
performing encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, wherein the public key is obtained by being received from the client in advance;
and carrying out information verification on the financial payment data, and calling an agent financial system to carry out financial payment based on the financial payment data after verification is passed.
Optionally, the financial payment data includes one or more of the following data items: payment voucher number, payment account information, collection account information, payment amount and remark information.
Optionally, the verifying the financial payment data includes:
determining whether a financial charge corresponding to the financial payment data has been paid;
and/or the number of the groups of groups,
determining whether repeated data items or error data items or empty important data items are contained in the financial payment data, wherein the important data items are data items which are essential for carrying out financial payment.
Optionally, the invoking the proxy financial system to make a financial payment based on the financial payment data includes:
generating a payment instruction based on the financial payment data, sending the payment instruction to the proxy financial system for the proxy financial system to invoke a payment component to make a financial payment based on the payment instruction, wherein the payment component includes one or more of the following components: a debit card component, a payment settlement component, and a public deposit component.
Optionally, the method further comprises:
and summarizing the payment amount contained in the financial payment data received in the previous working day of the current working day to obtain a summarized amount, and sending the summarized amount to the proxy financial system so that the proxy financial system can carry out fund clearing with a target system based on the summarized amount, wherein the target system is a banking system where national library funds are located.
A financial payment system comprising: a first physical subsystem and a second physical subsystem;
the first physical subsystem is configured to receive an encrypted financial payment application sent by a client corresponding to a financial budget unit, perform encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, and send the financial payment data to the second physical subsystem, where the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair, and the public key is obtained by receiving the public key from the client in advance;
and the second physical subsystem is used for carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after verification is passed.
Optionally, the second physical subsystem is further configured to aggregate a payment amount included in the financial payment data received on a day previous to the current day, obtain an aggregate amount, and send the aggregate amount to the proxy financial system, so that the proxy financial system performs a funds clearing with a target system based on the aggregate amount, where the target system is a banking system where national library funds are located.
A financial payment device comprising:
the application receiving unit is used for receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit, wherein the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair;
the application decryption unit is used for performing encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, wherein the public key is obtained by being received from the client in advance;
and the financial payment unit is used for carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after the verification is passed.
A financial payment device comprising a memory and a processor;
the memory is used for storing programs;
the processor is configured to execute the program to implement the steps of the financial payment method as described in any one of the above.
A readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of a financial payment method as claimed in any one of the preceding claims.
According to the technical scheme, the financial payment method provided by the application comprises the steps of firstly receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit, then carrying out verification and decryption processing on the encrypted financial payment application through a public key in a key pair to obtain financial payment data, finally carrying out information verification on the financial payment data, and calling an agent financial system to carry out financial payment based on the financial payment data after verification. According to the financial payment system, when financial budget units need to carry out financial payment, an encrypted financial payment application can be sent through the client, electronic financial payment can be realized based on the encrypted financial payment application, the process of paper certificates and bill circulation is cancelled, the efficiency is higher, and the payment is more timely.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present application, and that other drawings may be obtained according to the provided drawings without inventive effort to a person skilled in the art.
FIG. 1 is a schematic flow chart of a financial payment method according to an embodiment of the present application;
FIG. 2 is a schematic diagram of a financial payment system according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a process for interaction between systems according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a financial payment device according to an embodiment of the present application;
fig. 5 is a block diagram of a hardware structure of a financial payment device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
The prior art needs cash transfer cheque that financial budget department's financial department opened, and the agency bank just can pay financial charge to the third party based on cash transfer cheque, and this kind of financial payment's mode has inefficiency, the untimely problem of payment, and needs the payment cash voucher of paper, extravagant paper resource.
In view of this, the inventor of the present application conducted intensive research, and finally provided a financial payment method, system and related device, which can convert paper certificates and bill circulation processes into electronic financial payment processes, and because the financial department does not need to issue cash transfer checks, the efficiency of financial payment is improved, and the electronic financial payment mode saves the processes of off-line approval, paper bill issuing and the like, so that the payment is more timely, and paper resources are saved.
In order to make the present application more understandable to those skilled in the art, the financial payment method provided in the present application will be described in detail by the following examples.
Referring to fig. 1, a flow chart of a financial payment method provided in an embodiment of the present application is shown, where the financial payment method may include:
step S101, receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit.
The financial payment application is encrypted by a private key in a preset key pair.
Specifically, the embodiment is applied to a financial payment system of an agent bank, a client corresponding to a financial budget unit generates a key pair in advance, a private key in the key pair is held, and a public key is sent to the financial payment system for storage.
In this step, when the financial budget unit needs to pay to the third party, the financial payment application may be generated based on the financial payment data, and the financial payment application is encrypted by the private key in the key pair to obtain an encrypted financial payment application, and then the encrypted financial payment application is sent to the financial payment system, so that the embodiment may receive the encrypted financial payment application sent by the client corresponding to the financial budget unit.
And step S102, carrying out encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data.
Wherein the public key is obtained by being received from the client in advance.
Continuing the description of the previous step, when the encrypted financial payment application is received, the embodiment can carry out decryption and decryption processing on the encrypted financial payment application through the public key in the key pair, so as to obtain decrypted financial payment data.
Here, the financial payment data is the basis for the agent bank to pay the financial fee to the third party, wherein some important data items for paying the fee to the third party need to be included, which would otherwise cause the payment to fail.
In an alternative embodiment, the financial payment data includes one or more of the following data items: payment voucher number, payment account information, collection account information, payment amount and remark information.
The payment certificate number refers to a certificate number for financial payment by a financial budget unit proxy agent bank.
The collection account information refers to account information of a third party, and the payment account information refers to account information for paying a fee to the third party, and the payment amount refers to the fee paid to the third party.
The remark information may be set according to the actual situation, as an optional data item, for example, the remark information may be information of which fee is currently paid, or information of which fee is on which day, etc.
And step S103, carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after verification is passed.
With reference to the description of the previous step, the financial payment data includes a plurality of data items, and the step can perform information verification on each data item included in the financial payment data, and call the proxy financial system to perform financial payment based on the financial payment data after the verification is passed.
It should be noted that, the proxy financial system refers to a total financial system of the proxy bank, and the financial payment system applied in the present application refers to an branch financial system of the proxy bank.
In an alternative embodiment, the "verify financial payment data" process may include: determining whether the financial payment data corresponds to financial fees which are paid, and/or determining whether repeated data items or wrong data items or empty important data items are contained in the financial payment data, wherein the important data items are data items which are essential for financial payment.
Here, the important data items may be, for example, payment account information, collection account information, and payment amount.
Specifically, there may be a situation that the same financial payment is submitted to the financial payment system of the agent bank for multiple times due to various reasons such as network delay, staff errors of the financial budget unit, and the like, in order to avoid the loss of the financial budget unit caused by the payment of the third party for each application, the embodiment of the present application needs to verify the financial payment data after receiving the encrypted financial payment application and decrypting the financial payment data each time, so as to determine whether the financial payment corresponding to the financial payment data is paid, if yes, the verification is not passed, and the subsequent financial payment is no longer performed.
Optionally, if each data item included in the financial payment data is the same as each data item included in the financial payment data that has been paid previously, it is determined that the financial cost corresponding to the financial payment data has been paid, otherwise, it is determined that the financial cost corresponding to the financial payment data has not been paid.
There may be a situation that some data items in the financial payment data are repeated or wrong or empty, and in the situation that the financial payment data contain repeated data items or wrong data items, the current financial payment data are problematic, and an application submitted by a staff of a financial budget unit may be wrong, and at this time, it is determined that verification is not passed, and no subsequent financial payment is performed.
In the case where the important data item included in the financial payment data is empty, for example, any one of the payment amount, the payment account information, and the collection account information is empty, the payment cannot be made, and it is determined that the verification is not passed, and the subsequent financial payment is not made.
And if the verification is not passed, the encrypted financial payment application is required to be re-sent to the client corresponding to the financial budget unit, and optionally, if the verification is not passed, a notification message that the verification is not passed is sent to the client corresponding to the financial budget unit, so that the client corresponding to the financial budget unit re-submits the encrypted financial payment application.
In another alternative embodiment, the process of "invoking an agent financial system to make financial payments based on financial payment data" may include: generating a payment instruction based on the financial payment data, sending the payment instruction to the proxy financial system for the proxy financial system to invoke a payment component to make financial payments based on the payment instruction, wherein the payment component comprises one or more of the following components: a debit card component, a payment settlement component, and a public deposit component.
Specifically, the present embodiment may generate a payment instruction based on the financial payment data and send the payment instruction to the agent financial system of the headquarter, which recalls payment components such as a debit card component, a payment settlement component, and a credit deposit component to effect financial payment.
Here, the process of making financial payments by the agent financial system includes: the agent financial system firstly collects funds of the money deposit account of the agent bank into a financial zero balance account opened by a financial budget unit, and then the financial zero balance account of the financial budget unit is collected into an account of a third party.
According to the financial payment method, firstly, an encrypted financial payment application sent by a client corresponding to a financial budget unit is received, then, encryption and decryption processing are carried out on the encrypted financial payment application through a public key in a key pair, financial payment data are obtained, finally, information verification is carried out on the financial payment data, and after verification is passed, an agent financial system is called to carry out financial payment based on the financial payment data. According to the financial payment system, when financial budget units need to carry out financial payment, an encrypted financial payment application can be sent through the client, electronic financial payment can be realized based on the encrypted financial payment application, the process of paper certificates and bill circulation is cancelled, the efficiency is higher, and the payment is more timely.
In the foregoing embodiment, the financial fee paid by the financial budget unit to the third party account is the fee charged by the agent bank, which is required to conduct the fee clearing on the next day of the bank (e.g., the people's bank headquarters) corresponding to the target system.
Based on this, in an alternative embodiment, the financial payment method provided in the embodiment of the present application may further include: and summarizing the payment amount contained in the financial payment data received in the previous working day of the current working day to obtain a summarized amount, and sending the summarized amount to the proxy financial system so that the proxy financial system can carry out fund clearing based on the summarized amount and a target system, wherein the target system is a banking system where national library funds are located.
For example, the embodiment of the application may collect the payment amount of the T workday on the t+1 workday, for example, 5 fees are paid to the third party account on the T workday, which are 1000 yuan, 1500 yuan, 2000 yuan, 3000 yuan and 3500 yuan respectively, and the total amount of the T workday is 11000 yuan, and the t+1 workday target system needs to extract 11000 yuan from national library funds and collect the same into the proxy financial system.
Optionally, the proxy financial system performs funds clearing with the target system through the headquarter physical subsystem based on the aggregate amount.
According to the embodiment of the application, an interactive channel among financial budget units, agent banks and three banks where a target system is located is established, an electronic payment channel standard is used for standardizing an existing financial payment mode, and a unified standard is established. The payment of the amount is initiated by the financial budget unit, the transaction is directly forwarded to the proxy bank, the proxy bank realizes the payment of the bank and the cross bank, the amount arrives in two hours, a large amount of paper payment bills are saved, and a large amount of manpower and material resources are saved.
The embodiment of the application also provides a financial payment system, and the financial payment system and the financial payment method described above can be correspondingly referred to each other.
Referring to fig. 2, a schematic diagram of the financial payment system is shown. As shown in fig. 2, the financial payment system provided by the embodiments of the present application may include a first physical subsystem 11 and a second physical subsystem 12.
The first physical subsystem 11 is configured to receive an encrypted financial payment application sent by a client corresponding to a financial budget unit, perform encryption and decryption processing on the encrypted financial payment application through a public key in a key pair to obtain financial payment data, and send the financial payment data to the second physical subsystem, where the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair, and the public key is obtained by receiving from the client in advance.
And a second physical subsystem 12 for performing information verification on the financial payment data, and calling the proxy financial system to perform financial payment based on the financial payment data after the verification is passed.
To facilitate differentiation from other systems of the proxy bank, the first physical subsystem 11 is defined as the P5 physical subsystem and the second physical subsystem 12 is defined as the P8 physical subsystem.
Optionally, the first physical subsystem 11 is disposed in the external connection integration layer, and the second physical subsystem 12 is disposed in the product service layer; alternatively, the second physical subsystem 12 may form a proxy financial hub collection component with the proxy financial system.
Optionally, the second physical subsystem 12 is further configured to aggregate the payment amount included in the financial payment data received on the previous working day of the current working day, obtain an aggregate amount, and send the aggregate amount to the proxy financial system, so that the proxy financial system performs the funds clearing with the target system based on the aggregate amount, where the target system is a banking system where national library funds are located.
Taking a target system as a people headquarter system (namely a people bank headquarter system) as an example, the interactive process of the client, the first physical subsystem, the second physical subsystem, the proxy financial system and the target system corresponding to the financial budget unit is introduced.
Referring to fig. 3, a client 2 corresponding to a financial budget unit sends an encrypted financial payment application to a first physical subsystem 11; the first physical subsystem 11 performs encryption and decryption processing on the encrypted financial payment application through the public key in the key pair to obtain financial payment data, and sends the financial payment data to the second physical subsystem 12; the second physical subsystem 12 performs information verification on the financial payment data, and calls the proxy financial system 3 to perform financial payment based on the financial payment data after verification is passed, wherein the proxy financial system 3 performs financial payment specifically including: the proxy financial system invokes the debit card component, the payment settlement component, and makes financial payments to the payment components such as the public deposit component.
The second physical subsystem 12 sums up the payment amount contained in the financial payment data received in the previous working day on the current working day to obtain a sum, and sends the sum to the proxy financial system 3; the proxy financial system 3 performs a funds clearing with the people's head office system 5 via the head office physical subsystem 4.
It should be noted that the above-mentioned process is only an example, and other interaction processes may be further included among the client 2, the first physical subsystem 11, the second physical subsystem 12, the proxy financial system 3, the headquarter physical subsystem 4, and the headquarter system 5 corresponding to the financial budget unit, for example, when the physical subsystem 12 fails to verify the financial payment data, a notification message that the verification fails is sent to the first physical subsystem 11, and the first physical subsystem 11 forwards the notification message that the verification fails to the client 2 corresponding to the financial budget unit.
According to the financial payment system, the first physical subsystem and the second physical subsystem are arranged, the electronic management of the agent financial centralized payment is realized, the paper certificates and bill circulation are cancelled through unified deployment of the financial budget unit, the bank where the target system is located and the agent bank by utilizing the information network technology, the paperless management of the payment instruction is realized, and the financial funds payment is ensured to run safely and efficiently.
The embodiment of the application further provides a financial payment device, and the financial payment device provided by the embodiment of the application is described below, and the financial payment device described below and the financial payment method described above can be referred to correspondingly.
Referring to fig. 4, a schematic structural diagram of a financial payment device provided in an embodiment of the present application is shown, and as shown in fig. 4, the financial payment device may include: an application receiving unit 401, an application decrypting unit 402, and a financial payment unit 403.
The application receiving unit 401 is configured to receive an encrypted financial payment application sent by a client corresponding to a financial budget unit, where the encrypted financial payment application is obtained by encrypting the financial payment application with a private key in a preset key pair.
The application decryption unit 402 is configured to perform encryption and decryption processing on the encrypted financial payment application by using a public key in a key pair, where the public key is obtained by receiving from the client in advance.
And a financial payment unit 403 for performing information verification on the financial payment data, and calling the proxy financial system to perform financial payment based on the financial payment data after the verification is passed.
According to the financial payment device, firstly, an encrypted financial payment application sent by a client corresponding to a financial budget unit is received, then encryption and decryption processing are carried out on the encrypted financial payment application through a public key in a key pair, financial payment data are obtained, finally, information verification is carried out on the financial payment data, and after verification is passed, an agent financial system is called to carry out financial payment based on the financial payment data. According to the financial payment system, when financial budget units need to carry out financial payment, an encrypted financial payment application can be sent through the client, electronic financial payment can be realized based on the encrypted financial payment application, the process of paper certificates and bill circulation is cancelled, the efficiency is higher, and the payment is more timely.
In one possible implementation, the financial payment data includes one or more of the following data items: payment voucher number, payment account information, collection account information, payment amount and remark information.
In one possible implementation manner, the process of verifying the information of the financial payment data by the financial payment unit may include:
determining whether a financial fee corresponding to the financial payment data has been paid;
and/or the number of the groups of groups,
it is determined whether repeated data items or erroneous data items or empty important data items are included in the financial payment data, wherein the important data items refer to data items necessary for making financial payment.
In one possible implementation, the process of calling the proxy financial system to make financial payment based on the financial payment data by the financial payment unit may include:
generating a payment instruction based on the financial payment data, sending the payment instruction to the proxy financial system for the proxy financial system to invoke a payment component to make financial payments based on the payment instruction, wherein the payment component comprises one or more of the following components: a debit card component, a payment settlement component, and a public deposit component.
In one possible implementation manner, the financial payment device provided in the embodiment of the present application may further include: and a fund summarizing unit.
And the fund summarizing unit is used for summarizing the payment amount contained in the financial payment data received in the previous working day of the current working day to obtain a summarized amount, and sending the summarized amount to the agency financial system so that the agency financial system can conduct fund clearing based on the summarized amount and the target system, wherein the target system is a banking system where national library funds are located.
The embodiment of the application also provides financial payment equipment. Alternatively, fig. 5 shows a block diagram of a hardware structure of a financial payment apparatus, and referring to fig. 5, the hardware structure of the financial payment apparatus may include: at least one processor 501, at least one communication interface 502, at least one memory 503, and at least one communication bus 504;
in the embodiment of the present application, the number of the processor 501, the communication interface 502, the memory 503, and the communication bus 504 is at least one, and the processor 501, the communication interface 502, and the memory 503 complete communication with each other through the communication bus 504;
the processor 501 may be a central processing unit CPU, or a specific integrated circuit ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement embodiments of the present invention, etc.;
the memory 503 may include a high-speed RAM memory, and may further include a non-volatile memory (non-volatile memory), etc., such as at least one magnetic disk memory;
wherein the memory 503 stores a program, the processor 501 may call the program stored in the memory 503, the program being for:
receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit, wherein the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair;
carrying out encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, wherein the public key is received from a client in advance;
and carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after verification is passed.
Alternatively, the refinement function and the extension function of the program may be described with reference to the above.
The embodiments of the present application also provide a readable storage medium having stored thereon a computer program which, when executed by a processor, implements a financial payment method as described above.
Alternatively, the refinement function and the extension function of the program may be described with reference to the above.
Finally, it is further noted that relational terms such as second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.
In the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different point from other embodiments, and identical and similar parts between the embodiments are all enough to refer to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A financial payment method, comprising:
receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit, wherein the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair;
performing encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, wherein the public key is obtained by being received from the client in advance;
and carrying out information verification on the financial payment data, and calling an agent financial system to carry out financial payment based on the financial payment data after verification is passed.
2. The financial payment system of claim 1, wherein the financial payment data comprises one or more of the following items: payment voucher number, payment account information, collection account information, payment amount and remark information.
3. The financial payment method according to claim 1, wherein said validating the financial payment data comprises:
determining whether a financial charge corresponding to the financial payment data has been paid;
and/or the number of the groups of groups,
determining whether repeated data items or error data items or empty important data items are contained in the financial payment data, wherein the important data items are data items which are essential for carrying out financial payment.
4. The financial payment method of claim 1, wherein invoking the proxy financial system to make a financial payment based on the financial payment data comprises:
generating a payment instruction based on the financial payment data, sending the payment instruction to the proxy financial system for the proxy financial system to invoke a payment component to make a financial payment based on the payment instruction, wherein the payment component includes one or more of the following components: a debit card component, a payment settlement component, and a public deposit component.
5. The financial payment method according to claim 1, further comprising:
and summarizing the payment amount contained in the financial payment data received in the previous working day of the current working day to obtain a summarized amount, and sending the summarized amount to the proxy financial system so that the proxy financial system can carry out fund clearing with a target system based on the summarized amount, wherein the target system is a banking system where national library funds are located.
6. A financial payment system, comprising: a first physical subsystem and a second physical subsystem;
the first physical subsystem is configured to receive an encrypted financial payment application sent by a client corresponding to a financial budget unit, perform encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, and send the financial payment data to the second physical subsystem, where the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair, and the public key is obtained by receiving the public key from the client in advance;
and the second physical subsystem is used for carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after verification is passed.
7. The financial payment system of claim 6, wherein,
and the second physical subsystem is further used for summarizing the payment amount contained in the financial payment data received in the previous working day of the current working day to obtain a summarized amount, and sending the summarized amount to the proxy financial system so that the proxy financial system can carry out fund clearing with a target system based on the summarized amount, wherein the target system is a banking system where national library funds are located.
8. A financial payment device, comprising:
the application receiving unit is used for receiving an encrypted financial payment application sent by a client corresponding to a financial budget unit, wherein the encrypted financial payment application is obtained by encrypting the financial payment application through a private key in a preset key pair;
the application decryption unit is used for performing encryption and decryption processing on the encrypted financial payment application through a public key in the key pair to obtain financial payment data, wherein the public key is obtained by being received from the client in advance;
and the financial payment unit is used for carrying out information verification on the financial payment data, and calling the agency financial system to carry out financial payment based on the financial payment data after the verification is passed.
9. A financial payment device comprising a memory and a processor;
the memory is used for storing programs;
the processor for executing the program to carry out the steps of the financial payment method according to any one of claims 1 to 5.
10. A readable storage medium having stored thereon a computer program, which, when executed by a processor, implements the steps of the financial payment method according to any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211743528.9A CN116563043A (en) | 2022-12-30 | 2022-12-30 | Financial payment method, system and related device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211743528.9A CN116563043A (en) | 2022-12-30 | 2022-12-30 | Financial payment method, system and related device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN116563043A true CN116563043A (en) | 2023-08-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211743528.9A Pending CN116563043A (en) | 2022-12-30 | 2022-12-30 | Financial payment method, system and related device |
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| Country | Link |
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| CN (1) | CN116563043A (en) |
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- 2022-12-30 CN CN202211743528.9A patent/CN116563043A/en active Pending
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