TWI821523B - Systems and methods for multiple transaction overlapping combinations - Google Patents

Abstract

A system and method for multiple transaction overlapping combinations. A cross-institution transfer server is used to perform transfer transactions between the transfer-out institution server and the transfer-in institution server. The transfer-out institution server transmits transaction information to an inter-organization After the transfer server, the cross-institution transfer server converts it into a format that can be read by the transfer-in institution server, and sends the transfer-in account number in the transaction information to the transfer-in institution server for confirmation. If the confirmation is correct, The cross-organization transfer server then converts the transaction information into the format required for accounting processing, and performs accounting transfer and settlement operations internally. Since the cross-agency transfer platform can convert messages between formats such as API, Socket, and Web Service, servers with different message formats can be integrated with each other through the cross-agency transfer server to achieve the purpose of multiple transaction overlays. .

Description

Systems and methods for multiple transaction overlapping combinations

The present invention relates to a new type of cash flow structure, and in particular to a system and method of multiple transaction overlapping combinations.

Press, with the increasing popularity of smart phones, the use of mobile payment, electronic payment and other methods for transactions allows consumers to go out with only their mobile phones, eliminating the burden of carrying wallets, change, multiple credit cards and other miscellaneous items. Domestic mobile payment industries, such as electronic tickets, electronic payments, third-party payment companies, etc., are all competing to enter the market. Due to the strong brand advantages of international payment companies, as well as the large number of market competitors with different specifications, scattered investment resources, and the need to compete with Merchants and banks have multiple interfaces, causing problems such as high introduction costs for businesses and merchants, and low market and merchant penetration rates.

However, since the message formats used by different institutions are different, for example, electronic branch institutions usually use API format for transaction information, while banks use Socket format. Therefore, if the electronic branch institutions and banking institutions are to be connected, the previous technologies need to be integrated. The systems of both parties are compatible with information of different specifications, and each time a financial institution signs a contract, the system needs to be modified, which is quite time-consuming and labor-intensive.

In view of this, the present invention proposes a system and method for stacking multiple transactions to improve the security and efficiency of electronic payment and effectively solve the above problems. The specific structure and implementation methods will be described in detail below:

The main purpose of the present invention is to provide a system and method for multiple transaction overlapping combinations, which uses a cross-institution transfer server to connect the electricity branch institutions or banking institutions at both ends, so that the electricity branch institutions can communicate with each other through cross-institution transfer. The server exchanges transaction information in real time, which solves the problem that in the past, the contract between electricity branch institutions can only be one-to-one. Through the inter-agency transfer server, it can be one-to-many. That is, as long as you sign up for the cross-organization transfer server, it is equivalent to signing up with multiple electricity branch institutions. Signing contracts at the same time saves time and effort and gives users more choices when trading.

Another object of the present invention is to provide a system and method for multiple transaction overlapping combinations, which uses a cross-organization transfer platform to convert messages between API, Socket, Web Service and other formats, so that servers with different message formats can communicate with each other. can be integrated through cross-organization transfer servers.

In order to achieve the above object, the present invention provides a system for multiple transaction overlapping combinations, including: a client sending device, in which a first payment application is installed, and when the first payment application is used to perform a transaction, the first The payment application transmits a transaction information, including a transfer account number; a transfer-out institution server, which is connected with the client's sending device to receive the transaction information and sends it out; and a cross-organization transfer server, which is connected with the signal. The server of the outgoing institution receives the transaction information; the server of the incoming institution connects the signal to the inter-institutional transfer server, wherein the inter-institutional transfer server disassembles and converts the transaction information into the After the format is readable by the transfer institution server, the transfer account number in the transaction information is first sent to the transfer institution server for confirmation. If the transfer account number is correct, the cross-institution transfer server will then After the transaction information is disassembled and converted into the format required for internal accounting processing, and the accounting transfer and settlement actions are performed internally, A transfer result notification is sent to the transfer-out institution server and a credit notification is sent to the transfer-in institution server; and a client receiving device connects the signal to the transfer-in institution server to receive the credit notification.

According to an embodiment of the present invention, when the transaction is a transfer, a second payment application is further installed in the client's receiving device to use the second payment application to receive the account notification, and the transaction information further includes the The name or code of the second payment application, etc.

According to an embodiment of the present invention, the transfer-out mechanism server is a first power support mechanism server, the transfer-in mechanism server is a second power support mechanism server, and the cross-mechanism transfer server further includes a A cross-power branch module, a first power branch gateway module, a second power branch gateway module and a cross-row platform, the first and second power branch gateway modules respectively correspond to the first and second power branch gate modules. The power support mechanism server, the cross-row power support module is connected to the first and second power support mechanism servers and the first and second power support gateway modules respectively, and the cross-row platform is connected to the first and second power support mechanism servers. Electric branch gateway module.

According to an embodiment of the present invention, the transaction information sent by the transfer-out institution server is in API format, and the cross-electronic payment module in the cross-institution transfer server receives the transaction information sent by the transfer-out institution server. , and transmit the transfer account number to the transfer institution server for confirmation. After the transfer institution server confirms the transfer account, the cross-broadcast payment module then transmits the transaction information to the third An electricity payment gateway module to convert the transaction information in API format into Socket format, and then transmit it to the second electricity payment gateway module through the inter-bank platform to perform account transfer and settlement operations. , when the transfer is completed, the inter-bank platform converts the transfer result notification and the deposit notification in Socket format into API format, and uses the inter-bank payment module to send the transfer result notification to the transfer-out institution server and the incoming payment notification. Account notification is sent to the server of the transfer institution.

According to an embodiment of the present invention, the transfer-out institution server is a bank server and the transfer-in institution server is an electronic payment institution server, or the transfer-out institution server is an electronic payment institution server and the transfer-out institution server is an electronic payment institution server and the transfer-out institution server is an electronic payment institution server. The institutional server is a bank server. The cross-institution transfer server further includes an inter-bank branch module, an electric branch gateway module and an inter-bank platform. The electric branch gateway module corresponds to the electric branch The institution server is connected to the electricity branch institution server and the electricity branch gateway module respectively, and the inter-bank platform is connected to the electricity branch gateway module and the bank server.

Following on from the above, when the transaction behavior is to scan a barcode for consumption and shopping, the client receiving device is a store device, which provides a payment barcode, and the client sending device further includes a scanning device, and the inter-organization transfer device The connection server also includes a barcode processing platform. During the transaction, the scanning device scans the payment barcode and then the first payment application sends the transaction information. The electricity payment gateway module in the inter-agency transfer server It is used to convert the transaction information in API format into Web Service format and send it to the barcode processing platform, and then transmit it to the server of the transfer-in institution through the inter-bank platform, or the barcode processing platform converts the Web sent by the server of the transfer-out institution. The transaction information in Service format is converted into API format and sent to the transfer-out institution server through the electricity branch gateway module and the cross-electronic branch module.

Continuing on from the above, the transaction information further includes the name or code of one of the contracting organizations of the store device, store code, consumption time, etc.

According to an embodiment of the present invention, when the transfer-out institution server is a bank server, the transaction information transmitted by it is in Socket format, and the inter-bank platform in the cross-institution transfer server receives the information sent by the transfer-out institution server. After the transmitted transaction information is converted into API format, the transaction information is transmitted to the cross-electronic payment gateway module corresponding to the transfer institution server, and the transfer account number is transmitted Confirm the transfer-in institution server. When the transfer-in institution server confirms After confirming the transfer account, the inter-bank payment module transmits the transaction information to the electricity payment gateway module to convert it into Socket format, and then transmits it to the inter-bank platform for account transfer and settlement. When the transfer is completed, the inter-bank platform sends the transfer result notification in Socket format to the transfer-out institution server and sends the credit notification in API format to the transfer-in institution server.

According to the embodiment of the present invention, when the transfer-out institution server is an electronic branch institution server, the transaction information transmitted by it is in API format. After the cross-organization transfer server receives it through the cross-electronic branch module, The electronic payment gateway module disassembles and converts the transaction information into Socket format, and sends the transfer account number in the transaction information to the bank server for confirmation through the inter-bank platform. When the bank server confirms the transfer After entering the account, the inter-bank platform converts the transaction information into Socket format and transmits it to the electricity payment gateway module for conversion into Socket format for account transfer and settlement. When the transfer is completed, the inter-bank platform Send the transfer result notification in Socket format to the electricity payment institution server, and send the account deposit notification in Socket format to the electricity payment gateway module to convert it into API format, and then send it to the electricity payment institution through the cross-power payment module. Bank server.

The present invention also provides a method for stacking multiple transactions, including the following steps: when a client sending device uses a first payment application to perform a transaction with a client receiving device, the first payment application sends A transaction information is sent to a transfer-out institution server, which includes a transfer-in account; the transfer-out institution server sends the transaction information to an inter-institution transfer server; the inter-institution transfer server decomposes the transaction information. After decoding and converting it into a format that can be read by the transfer-in institution server, the transfer-in account number in the transaction information is sent to the transfer-in institution server for confirmation; and after the confirmation is completed, the cross-institution transfer server then The transaction information is disassembled and converted into the format required for internal accounting processing, and the accounting transfer and settlement actions are performed internally.

10: Client sending device

102: No. 1 payment app

104: Scanning device

12: Transfer out of the organization server

14: Cross-organization transfer server

142: Cross-current support module

144: Electric branch gateway module, first electric branch gateway module

146: Cross-bank platform

148:Second electricity branch gateway module

149: Barcode processing module

16: Transfer to the organization server

18: Customer receiving end device, store end device

182:Second Payment App

Figure 1 is a block diagram of the system of multiple transaction stacking combinations of the present invention.

Figure 2 is a flow chart of the method of multiple transaction stacking and combination according to the present invention.

Figure 3 is a system architecture diagram of the first embodiment of the multi-transaction stacking system of the present invention.

Figure 4 is a flow chart of the embodiment of Figure 3.

Figure 5 is a system architecture diagram of the second embodiment of the multi-transaction stacking system of the present invention.

Figure 6 is a flow chart of the embodiment of Figure 5.

Figure 7 is a system architecture diagram of the fourth embodiment of the multi-transaction stacking system of the present invention.

The present invention provides a system and method for multiple transaction overlay combinations. Please refer to Figure 1 , which is a block diagram of a system for multiple transaction overlay combinations according to the present invention, including a client sending device 10 and a transfer-out mechanism server 12 , a cross-organization transfer server 14, a transfer-in mechanism server 16 and a client receiving end device 18. The cross-organization transfer server 14 connects the servers at both ends, and both ends can serve as servers for multiple electricity branch institutions. server, or one end is a bank server and the other end is a bank server. The customer sending device 10 and the customer receiving device 18 are respectively an electronic device capable of online transactions such as a smart phone or a tablet computer. The customer sending device The user of the device 10 wants to choose to use the payment application provided by the server 12 of the transfer institution, such as an electronic payment application or an online banking application, to conduct a transfer transaction with the client receiving device 18, and transfer funds across institutions to Another power support mechanism is the transfer mechanism server 16 .

A first payment application 102 is installed in the client's sending device 10, which is provided by the transfer institution server 12 and is an electronic payment application or an online banking application, and the customer receives A second payment application 182 is installed in the terminal device 18, which is provided by the transfer institution server 16, and can also be an electronic payment application or an online banking application. When the client device 10 uses the first payment application 102 to perform a transfer transaction, the first payment application 102 sends a transaction information, which includes a transfer account number, a transfer amount, the name or code of the second payment application, etc. ; The transfer-out institution server 12 is connected to the client sending device 10 through a wireless network signal, receives transaction information, and forwards the transaction information to the cross-institution transfer server 14 in API, Socket or Web Service format. Due to the current The messages sent by electronic payment institutions are all in API format, while the messages sent by banking institutions are in Socket or Web Service format. Therefore, different types of outgoing institution servers 12 will send transaction information in different formats.

The cross-organization transfer server 14 is signal-connected to the transfer-out organization server 12 and the transfer-in organization server 16 and is a third-party, impartial intermediary platform that is used to connect and forward the servers of multiple electricity branch organizations to each other. information, and perform account transfer and real-time settlement based on the transfer amount; the transfer institution server 16 and the cross-institution transfer server 14 and the client receiving device 18 are used to receive the transaction information and confirm whether the transfer account is Correct, if correct, the transfer amount allocated by the inter-organization transfer server 14 will be recorded.

The further specific process is as shown in Figure 2. In step S10, when the client's sending device uses the first payment application to transfer money with the client's receiving device, especially when the transfer behavior occurs, the first payment application will record the transaction. The information is sent to a transfer-out institution server, and the transaction information includes a transfer-in account number and a transfer amount; then in step S12, the transfer-out institution server sends the transaction information to the cross-institution transfer server. The transaction information may be API, Socket or Web Service format; in step S14, after the cross-institution transfer server disassembles the transaction information as required and converts it into a format that can be read by the transfer institution server, it transfers the incoming transaction information to The account number is sent to the transfer Enter the institution server for confirmation; in step S16, after receiving the transfer account, the transfer institution server first confirms the correctness of the transfer account, such as verifying that the transfer account actually exists. If the result is correct, the cross-organization transfer server Then the transaction information is disassembled and converted into the format required for internal accounting processing, such as Socket or Web Service format, and the accounting transfer and settlement actions are performed internally.

When the account transfer is completed, the cross-organization transfer server sends a transfer result notification to the transfer-out institution server and a deposit notification to the transfer-in institution server. The transfer-out institution server then sends the transfer result notification. Send the client device to the client to let the payer know that the transfer has been successful. In addition, the transfer institution server will also send a credit notification to the client device to let the payee know that the money has been credited.

Figure 3 is a system architecture diagram of the first embodiment of the present invention, when the transfer-out institution server and the transfer-in institution server are respectively the first and second branch institution servers in the system of multiple transaction overlapping combinations. Therefore, It is a transfer transaction between the electricity branch and the electricity branch. Since the data currently sent by the electronic payment institution is in the API format, but the banking institution and the inter-agency transfer server are both in the Socket format, the inter-agency transfer server 14 further includes an inter-organizational electronic payment module 142, an A first power branch gateway module 144, a second power branch gateway module 148 and a cross-row platform 146. The cross-row power branch module 142 is respectively connected to the transfer-out mechanism server 12, the transfer-in mechanism server 16 and the first , the second electricity branch gateway module 144, 148, the first and second electricity branch gateway modules 144, 148 are used to disassemble and convert the information in the API format into the Socket format, and the inter-bank platform 146 is connected to the first, The second power branch gateway modules 144 and 148 are used to disassemble and convert the information in the Socket format into the API format.

A plurality of electricity branch gateway modules are provided in the cross-organization switching server, corresponding to each electricity branch organization or bank respectively. In this embodiment, the first electricity branch gateway module 144 and the second electricity branch organization The gateway module 148 corresponds to the transfer-out mechanism server 12 and the transfer-in mechanism server 16 respectively.

Please also refer to Figure 4, which is a flow chart of the embodiment of Figure 3. As described in step S20, when the client sending device uses the first payment application to perform transfer with the client receiving device, especially when transferring money, the first payment application will transmit the transaction information to a transfer institution server. , the transaction information includes a transfer account number and a transfer amount; in step S22, the transfer-out institution server transmits the transaction information to an inter-organization transfer server in API format; in step S24, the inter-organization transfer server uses a The cross-broadcast payment module receives the transaction information sent by the server of the transfer-out institution, and sends the transfer-in account number to the server of the transfer-in institution for confirmation. The transfer-in account number is in API format; after the confirmation in step S26 is completed, the cross-broadcast payment module The support module then transmits the transaction information to the first electricity branch gateway module, and the first electricity branch gateway module converts it into the Socket format; then in step S28, the first electricity branch gateway module converts the transaction information into the Socket format. The transaction information is transmitted to the second electronic payment gateway module through the inter-bank platform to perform account transfer and settlement operations; finally, as described in step S29, the inter-bank electronic payment module is used to send the transfer result notification in API format to the transferee. The institutional server transmits the deposit notification in API format to the transfer institution server.

If in step S24, the transfer-in institution server confirms that the transfer-in account fails, it will directly send the failure message to the transfer-out institution server through the cross-electronic branch module, and will not send it further to the first electric branch gateway. Modules, second electricity branch gateway modules and inter-bank platforms will not be recorded in the accounting settlement.

Figure 5 is a system architecture diagram of the second embodiment of the present invention, when the server of the transfer-out institution is a bank server and the server of the transfer-in institution is a server of an electronic branch institution in the system of multiple transaction overlapping combinations. Therefore, it is Transfer transactions between banks and electronic payment institutions. The cross-organization switching server 14 further includes a cross-power branch module 142, a power branch gateway module 144 and an inter-bank platform 146. The cross-bank branch module 142 is connected to the power branch gateway module 144 and the switch respectively. Into the mechanism server 16, the electricity branch gateway module 144 is used to The information in the API format is decomposed and converted into the Socket format. The cross-industry platform 146 is connected to the transfer institution server 12 and the electricity branch gateway module 144 to decompose the information in the Socket format and convert it into the API format.

Please also refer to Figure 6, which is a flow chart of the embodiment of Figure 5. As described in step S30, when the client's sending device uses the first payment application to perform a transfer transaction with the client's receiving device, the first payment application will transmit the transaction information to a transfer-out institution server. Including a transfer account and a transfer amount; in step S32, the transfer institution server sends the transaction information to the inter-agency transfer server in Socket format; in step S34, the inter-bank platform in the inter-agency transfer server receives the transaction information Finally, the transaction information is converted into API format, and then the transaction information is sent to the cross-electronic payment module through the electronic payment gateway module; in step S36, the cross-electrical payment module sends the transfer account number to the transfer institution server for confirmation; Then in step S38, when the transfer institution server confirms that the transfer account is correct, the cross-electronic payment module then transmits the transaction information to the electronic payment gateway module to disassemble and convert the transaction information into Socket format for transmission. Go to the inter-bank platform to perform account transfer and settlement actions. Finally, in step S39, the inter-bank platform sends a transfer result notification in Socket format to the transfer institution server, and at the same time, the inter-bank payment module sends an API format account notification to Transfer to the organization's server.

If in step S36, if the transfer-in institution server confirms that the transfer-in account has failed, a failure message is sent to the transfer-out institution server through the inter-electronic branch module, the electric branch gateway module and the inter-bank platform, and This failed process will not be recorded in the settlement.

The third embodiment of the present invention is that the transfer-out institution server and the transfer-in institution server are the electricity bank server and the bank server respectively. In other words, the system architecture is the same as that in Figure 5, but the cash flow direction is the same as that in the second embodiment. For example, in the opposite direction, the electronic payment gateway server is still used to disassemble and convert the messages in the API format into the Socket format, while the cross-border platform disassembles and converts the messages in the Socket format into the API format. Therefore, in the third embodiment, the electric support mechanism server serves as the transfer-out mechanism server, The transaction information sent is in API format. After the inter-agency transfer server receives it through the inter-bank module, the electronic branch module disassembles and converts the transaction information into Socket format, and transmits the transaction information through the inter-bank platform. The transferred account number is sent to the bank server for confirmation. When the bank server confirms that the transferred account number is correct, the inter-bank platform converts the transaction information into Socket format and sends it to the electronic payment gateway module for conversion into Socket format and processing. When the transfer is completed, the inter-bank platform sends the transfer result notification in Socket format to the server of the electricity branch, and sends the account notification in Socket format to the electricity branch gateway module to convert it into API format, and then Sent to the bank server through the cross-border payment module.

There is a fourth embodiment of the present invention. As shown in Figure 7, when the transaction behavior is consumption shopping, the customer receiving device is a store device 18, which provides a payment barcode. The payment barcode can be two-dimensional. bar code or QR code, and the client sending device 10 further includes a scanning device 104, such as a camera on a smartphone. During the transaction, after the scanning device 104 scans the payment barcode, the first payment application 102 sends the transaction information. In this embodiment, the transfer-out institution server 12 is an electricity branch server, and the transfer-in institution server 16 is a bank server. The electricity branch gateway module 144 of the cross-organization transfer server 14 will be transferred out. The transaction information in API format sent by the institution server 12 is converted into Web Service format, or the barcode processing module 149 is used to disassemble and convert the information in Web Service format into API format. The inter-bank platform 146 transmits the transfer account number in API format to the transfer institution server 16, so that the transfer institution server 16 can confirm whether the transfer account is correct. If it is correct, the inter-bank platform 146 and the electricity branch gateway module 144 Appropriations and liquidations are made during the period. The transaction information also includes the name or code of one of the contracting organizations of the store device, store code, consumption time, etc.

To sum up, the present invention provides a system and method for multiple transaction overlapping combinations, which utilizes a cross-institution transfer server to connect multiple electronic payment institutions at both the payment and collection ends, allowing payment The payer and the payee can conduct transactions such as transfers and purchases through the payment application provided by the telecom branch or banking institution, and use the cross-institution transfer server to convert the message formats of different transaction parties, such as in API, Socket and Web Service and other formats, so servers with different message formats can be integrated with each other through the cross-organization transfer server to integrate the electronic payment-to-electrical payment transaction system, the electronic payment-to-bank transaction system, and the electronic payment-to-bank transaction system. Multiple transaction systems, such as the system where branches and banks conduct transactions by scanning barcodes, are all overlapped into a single system, so that electronic branch offices and banking institutions with different message formats can still be integrated through cross-institution transfer servers without the need for A one-to-one trading platform is specially compiled for each electricity branch or banking institution.

The above descriptions are only preferred embodiments of the present invention and are not intended to limit the scope of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit described in the scope of the present invention shall be included in the patent scope of the present invention.

Claims (14)

A system of multiple transaction overlapping combinations, applied to a clearing institution's account confirmation when inter-bank transfers, including: a client sending device, in which a first payment application is installed, and the first payment application is used to perform a During the transaction, the first payment application transmits a transaction information, including a transfer account number; a transfer-out institution server, which is connected to the client's sending end device signal to receive the transaction information and transmits it; an inter-institution transfer A receiving server, belonging to the settlement and clearing institution, connects the signal to the server of the transfer-out institution to receive the transaction information; a server of the transfer-in institution, connects the signal to the inter-institution transfer server, wherein the inter-institution transfer server After disassembling and converting the transaction information sent by the server of the transfer-out institution into a format that can be read by the server of the transfer-in institution, the transfer-in account number in the transaction information is first sent to the transfer-in institution. The institutional server confirms that if the transfer account number is correct, the cross-institutional transfer server will disassemble and convert the transaction information into the format required for internal accounting processing, and perform account transfer and settlement internally. Then, a transfer result notification is sent to the transfer-out institution server and a credit notification is sent to the transfer-in institution server; and a client receiving device connects the signal to the transfer-in institution server to receive the credit notification; wherein , the cross-organization transfer server is equipped with a plurality of electricity branch gateway modules, corresponding to each electricity branch server or each bank server; and Wherein, the transfer-out institution server is a bank server and the transfer-in institution server is an electronic payment institution server, or the transfer-out institution server is an electronic payment institution server and the transfer-in institution server is an electronic payment institution server. When a bank server is used, the inter-organization transfer server further includes an inter-bank branch module, the electric branch gateway module corresponding to the bank server and an inter-bank platform for format conversion. The channel module corresponds to the electricity branch server, the cross-bank module is connected to the electricity branch server and the electricity branch gateway module respectively, and the inter-bank platform is connected to the electricity branch gateway module and the bank server. device. The system of multiple transaction stack combinations as described in claim 1, wherein when the transaction behavior is a transfer, a second payment application is further installed in the client's receiving device to use the second payment application to receive the deposit. Notice that the transaction information also includes the name or code of the second payment application. The system of multiple transaction stack combinations as described in claim 2, wherein one of the first and second payment applications is an electronic payment application, and the other is an electronic payment application or an online banking application. The system of multiple transaction nested combinations as described in request item 1, wherein the transaction behavior is to use scanning barcodes for consumption and shopping, the client receiving device is a store device, which provides a payment barcode, and the client sends The terminal device further includes a scanning device, and the cross-organization transfer server further includes a barcode processing platform. During the transaction, the scanning device scans the payment barcode and then the first payment application sends the transaction information. The electronic payment gateway module in the transfer server is used to convert the transaction information in API format into Web Service format and send it to the barcode processing platform, and then transmit it to the server of the transfer institution through the inter-bank platform, or the barcode The processing platform transfers the transaction information in the Web Service format sent by the server of the transfer-out institution. Convert it into API format and send it to the transfer-out agency server through the power branch gateway module and the cross-power branch module. For the multi-transaction overlapping combination system described in claim 4, when the transaction behavior is consumption shopping, the transaction information further includes the name or code of a contracting agency of the store device, store code, consumption time, etc. For the system of multiple transaction overlapping combinations as described in request item 1, when the transfer-out institution server is a bank server, the transaction information sent by it is in Socket format, and the inter-bank transfer information in the cross-institution transfer server After the platform receives the transaction information sent by the server of the transferring institution and converts it into API format, the platform transmits the transaction information to the cross-electronic payment module through the electronic payment gateway module corresponding to the server of the transferring institution. And the transfer account number is sent to the transfer institution server for confirmation. When the transfer institution server confirms the transfer account, the cross-electronic payment module transmits the transaction information to the electronic payment gateway. The module converts it into Socket format and then sends it to the inter-bank platform to perform account transfer and settlement. When the transfer is completed, the inter-bank platform sends a notification of the transfer result in Socket format to the server of the transfer-out institution. Send the account notification in API format to the server of the transfer institution. For the system of multiple transaction overlapping combinations as described in request item 1, when the transfer-out institution server is an electronic payment institution server, the transaction information transmitted by it is in API format, and the cross-institution transfer server uses the After the inter-bank payment module receives it, the electricity payment gateway module disassembles and converts the transaction information into Socket format, and sends the transfer account number in the transaction information to the bank server for confirmation through the inter-bank platform. , after the bank server confirms the transfer account number, the inter-bank platform converts the transaction information into Socket format and transmits it to the electronic payment gateway module for conversion into Socket format for account transfer and settlement. , when the transfer is completed, the The inter-bank platform sends the transfer result notification in Socket format to the server of the electronic payment institution, and sends the account deposit notification in Socket format to the electronic payment gateway module for conversion into API format, and then transmits it through the inter-bank payment module to the bank server. A method of stacking and combining multiple transactions, which is applied to the account confirmation of a settlement and clearing institution in inter-bank transfers, including the following steps: a client sending device uses a first payment application to conduct a transaction with a client receiving device. During the transaction, the first payment application sends transaction information to a transfer-out institution server, including a transfer-in account; the transfer-out institution server sends the transaction information to an inter-institution transfer server, and the transfer-out institution server sends the transaction information to a cross-institution transfer server. The inter-agency transfer server belongs to the settlement and clearing institution; after the inter-agency transfer server disassembles the transaction information as required and converts it into a format that can be read by the transfer institution server, the inter-agency transfer server The account number is sent to the server of the transfer institution for confirmation; after the confirmation is completed, the cross-institution transfer server then disassembles and converts the transaction information into the format required for internal accounting processing, and performs the account transfer internally. and clearing action, and then sends a transfer result notification to the transfer-out institution server and a deposit notification to the transfer-in institution server; and the transfer-in institution server sends the deposit notification to the client receiving end device; wherein, the cross-organization transfer server is provided with a plurality of electricity branch gateway modules, corresponding to each electricity branch institution server or each bank server; and wherein the transfer-out institution server is a bank server and the transfer-in mechanism server is an electric support mechanism server, or the transfer-out mechanism server is an electric support mechanism server and the transfer-in mechanism server When the organizational server is a bank server, the cross-institution transfer server further includes an inter-electronic branch module, the electric branch gateway module corresponding to the electronic branch server and an inter-bank platform for format conversion. , the power branch gateway module corresponds to the power branch mechanism server, the cross-row power branch module is connected to the power branch mechanism server and the power branch gateway module respectively, and the cross-row platform is connected to the power branch gateway module group and the bank server. The method for stacking multiple transactions as described in claim 8, wherein when the transaction behavior is a transfer, a second payment application is further installed in the client device to use the second payment application to receive the deposit. Notice that the transaction information also includes the name or code of the second payment application. The method of stacking multiple transactions as described in claim 9, wherein one of the first and second payment applications is an electronic payment application, and the other is an electronic payment application or an online banking application. The method of multiple transaction nesting combination as described in request item 8, wherein the transaction behavior is to use scanning barcodes for consumption and shopping, the client receiving device is a store device, which provides a payment barcode, and the client sends The terminal device further includes a scanning device, and the cross-organization transfer server further includes a barcode processing platform. During the transaction, the scanning device scans the payment barcode and then the first payment application sends the transaction information. The electronic payment gateway module in the transfer server is used to convert the transaction information in API format into Web Service format and send it to the barcode processing platform, and then transmit it to the server of the transfer institution through the inter-bank platform, or the barcode The processing platform converts the transaction information in the Web Service format sent by the transfer-out institution server into API format, and transmits it to the transfer-out institution server through the electronic payment gateway module and the cross-electronic payment module. As for the method of multiple transaction stacking and combination as described in claim 12, when the transaction behavior is consumption shopping, the transaction information further includes the name or code of a contracting agency of the store device, store code, consumption time, etc. For the method of multiple transaction nesting combination described in request item 8, when the transfer-out institution server is a bank server, the transaction information sent by it is in Socket format, and the inter-bank transfer information in the cross-institution transfer server After the platform receives the transaction information sent by the server of the transferring institution and converts it into API format, the platform transmits the transaction information to the cross-electronic payment module through the electronic payment gateway module corresponding to the server of the transferring institution. And the transfer account number is sent to the transfer institution server for confirmation. When the transfer institution server confirms the transfer account, the cross-electronic payment module transmits the transaction information to the electronic payment gateway. The module converts it into Socket format and then sends it to the inter-bank platform to perform account transfer and settlement. When the transfer is completed, the inter-bank platform sends a notification of the transfer result in Socket format to the server of the transfer-out institution. Send the account notification in API format to the server of the transfer institution. For the method of multiple transaction nesting combination described in request item 8, when the transfer-out institution server is an electronic payment institution server, the transaction information transmitted by it is in API format, and the cross-institution transfer server uses the After the inter-bank payment module receives it, the electricity payment gateway module disassembles the transaction information and converts it into Socket format, and sends the transfer account number in the transaction information to the bank server for confirmation through the inter-bank platform. , after the bank server confirms the transfer account number, the inter-bank platform converts the transaction information into Socket format and transmits it to the electronic payment gateway module for conversion into Socket format for account transfer and settlement. , when the transfer is completed, the inter-bank platform sends a notification of the transfer result in Socket format to the server of the electricity branch, and Send the deposit notification in Socket format to the electronic payment gateway module to convert it into API format, and then send it to the bank server through the cross-electronic payment module.

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