CA2993455A1

CA2993455A1 - Interbank payment system and interbank payment method

Info

Publication number: CA2993455A1
Application number: CA2993455A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2014-08-06
Filing date: 2014-08-06
Publication date: 2016-02-11
Anticipated expiration: 2034-08-06
Also published as: CA2993455C; CN105431871A; WO2016019531A1

Abstract

Disclosed are an interbank payment system and an interbank payment method, the method comprising: S1, a paying client issues paying request information to a receiving client; S2, the receiving client returns receiving confirmation information to the paying client; S3, an interbank payment server generates a paying command to send to a corresponding issuing terminal; S4, the issuing terminal pays a sum from a paying account to a receiving account. The beneficial effects of the present invention are that all banking data is manipulated within a same tool and interbank payment operations are completed without it being necessary to log in to corresponding bank systems for individual operations.

Description

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Title: Interbank Payment System And Interbank Payment Method Technical Field [1] The present invention relates to the field of finance, and in particular, to an interbank payment system and an interbank payment method.
Background Technology

[2] Online interbank payment belongs to the agreement between banks (or bank and non-bank liquidation organization). When the payee does not open an account with the same bank, inter-bank settlement of payment instruction is transmitted or converted through a plurality of systems, and some processing sectors still need commercial bank staff manual intervention, business processing time is longer, the customer also cannot understand the processing result of payment business in time. In order to improve the efficiency of inter-bank liquidation of online payment, enhance the online banking service of commercial banks and better fulfil the payment and clearing responsibilities of the Central Bank, the PBC has decided to establish an inter-bank liquidation system for online payment.

[3] The online payment interbank settlement system is an RMB interbank payment and settlement infrastructure built by the People's Bank of China and is an important part of China's modern payment system. The online payment interbank settlement system mainly supports the processing of online inter-bank retail business. The business orders are delivered one by one, with real-time rolling difference and regular liquidation. Clients can submit payment transactions online and obtain business results in real time.
The system supports access to non-financial institution payment service commercial bank and approved by the People's Bank of China, and to provide 7x24 hours a day.

[4] It can be seen from the above that the existing payment implementations already provide users with a good payment experience and are gradually getting faster and more convenient. However, there still exist barriers between different banking systems. If the payers have an account in a different bank, he or she needs to make a payment operation on different banking systems.
Summary of the Invention

[5] The technical problem to be solved by the present invention is to provide an inter-bank payment system and an inter-bank payment method in view of the above-mentioned problems that each banking system still has its own barriers and inconvenient payment.

= CA 02993455 2018-01-24

[6] The technical solution adopted by the present invention to solve the technical problem is as follows: On the one hand, it constructs a cross-bank payment method to provide inter-bank payment server, client terminal, and multiple card issuers, wherein the client terminal includes at least one payment client and at least one payment client, the interbank payment method includes the following steps:

[7] S 1, The payment clients in multiple customer terminals deliver payment requests information to the receiving client through the interbank payment server, and select one of the multiple card issuing terminals as one of the payment account information of the payment account;

[8] S2. The receiving client responds to the payment request information and returns the receipt confirmation information including one of the plurality of card issuing terminals as the payment account information of the payment account to the payment client through the interbank payment server;

[9] S3: the inter-payment server generates a payment command according to the payment account information and the payment account information, and delivers the payment command to the card issuing terminal corresponding to the payment account selected by the payment client.

[10] S4. The card issuing terminal receives the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the payment account according to the payment instruction.

[11] In the inter-bank payment and receipt method according to the present invention, the inter-bank payment and receipt method further includes:

[12] SO: the user logs in to the interbank payment server through the client terminal to bind the card issuing terminal corresponding to the identity information of the user.

[13] In the inter-bank payment and receipt method of the present invention, in step Sl, the interbank payment server stores the payment request information;

[14] In the step S2, the interbank payment server stores the receipt confirmation information.

[15] In the interbank payment method of the present invention, the method further includes:

[16] S5. After step S4, the client terminal delivers a query request to the interbank payment server.

[17] S6: the inter-bank payment server responds to the inquiry request to query the stored payment request information, the receipt confirmation information, and returns a query result to the client terminal that delivers the inquiry request.

[18] In the inter-bank payment and receipt method according to the present invention, in the step SO, the payment client further issues a plurality of types of service information to the . CA 02993455 2018-01-24 . .

payment client through the inter-bank payment and receipt server;

[19] In the step Si, the payment client further selects at least one piece of service information from the multiple pieces of service information and delivers the payment request message to the receiving client via the interbank payment server according to the selected service information.

[20] In the inter-bank payment and receipt method of the present invention, in step S1 , an instant online session between the payment client and the payment client is established in the interbank payment server. The payment client delivers payment request information to the receiving client through the interbank receiving server after the online session is completed.

[21] A cross line payment method for the implementation of the present invention has the following beneficial effects: As interbank receipts carry out data docking with banks' backstage, as long as users enter the banking system at the initial setting, the account is interlocked with interbank receipts, any subsequent operations only need to enter the inter-bank receiver to perform operations on the amount of money stored in the bank account of the user, it realize the operation of all the bank data in the same tool without having to visit the appropriate banking system one by one to complete the purpose of inter-bank payment.

[22] In another aspect, the present invention provides an interbank payment system, including an interbank payment server, a client terminal communicatively connected to the interbank payment server, and a plurality of card issuing terminals communicatively connected to the interbank payment server, the client terminals including at least one payment client and at least one payment client;

[23] The payment client is used to issue, through the inter-bank payment server, a payment request including payment amount information to a payment receiving client and one of the plurality of card issuing terminals as payment account information of the payment account information;

[24] The payment client is used to respond to the payment request information and returns the receipt confirmation information including one of the plurality of card issuing terminals as the payment account information of the payment account to the payment client through the interbank payment server;

[25] The inter-bank payment server includes a payment module, and the payment module is used to generate a payment command according to the payment account information and the payment account information, and deliver the payment command to the card issuing terminal corresponding to the payment account selected by the payment client;

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[26] The card issuing terminal is used to receive the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the payment account according to the payment instruction.

[27] In the interbank payment system of the present invention, the client terminal is also used to log in the interbank payment server to bind the card issuing terminal corresponding to the user's identity information;

[28] The payment client is also used to publish multiple types of service information to the payment client through the inter-bank payment server;

[29] The payment client is also used to select at least one piece of service information from the multiple pieces of service information and delivers the payment request message to the receiving client via the interbank payment server according to the selected service information.

[30] In the interbank payment system of the present invention, the interbank payment server further includes a storage module and a query module;

[31] The storage module is used to store the payment request information and the receipt confirmation information;

[32] The query module is used to, in response to a querying request, querying the stored payment request information and the collection acknowledgement information and returning a querying result to the client terminal that delivered the querying request;

[33] The client terminal is also used to issue the query request to the inter-payment server.

[34] In the interbank payment system of the present invention, the interbank payment server further includes an online conversation module, and the online module is used to establish an instant online conversation between the client terminals.

[35] An interbank payment system implementing the present invention has the following beneficial effects: all bank data is operated within the same tool and inter-bank payment can be completed without having to visit the corresponding banking system one by one.
Brief Description

[36] The present invention will be further described below with reference to the accompanying drawings and examples. In the drawings:

[37] Figure 1 is a flowchart of a method for inter-bank payment and receipt according to a first example of the present invention;

[38] Figure 2 is a schematic structural diagram of an inter-bank payment and receipt system according to a first example of the present invention;

[39] Figure 3 is a flowchart of a method for inter-bank payment and receipt according to a second example of the present invention;

. CA 02993455 2018-01-24 . .
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[40] Figure 4 is a flow chart of information flow between client terminals according to a second example of the present invention;

[41] Figure 5 is a flowchart of a method for inter-bank payment and receipt according to a third example of the present invention;

[42] Figure 6 is a flow chart of the flow of information between client terminals according to a fourth example of the present invention;

[43] Figure 7 is a flowchart of information flow between client terminals according to a fifth example of the present invention.
Description of the Preferred Examples

[44] For a clearer understanding of the technical features, objectives and effects of the present invention, the specific examples of the present invention will be described in detail with reference to the accompanying drawings.

[45] The present invention provides an interbank payment system and an inter-bank payment and receipt method. By establishing an inter-bank payment server and performing data docking with a card issuing terminal of each bank in a banking system, the interbank payment server is connected to a card issuer terminal, as long as the user (i.e., the client terminal 1) enters the interbank payment server before performing the inter-bank payment and receipt operation and binds the corresponding bank account and the interbank payment server, any subsequent operations need only enter the interbank receipt and payment server.
The amount of money stored in the bank account owned by the user is manipulated. If it is a credit card, the money can be operated within the credit limit of the card.
If it is a debit card, the balance of the card can be operated. The system and method to achieve the purpose of operating all the bank data in the same tool without having to visit the corresponding banking system one by one to complete the inter-bank payment, but also can publish business information to perform payment operation, in the same tool, the purpose of realizing the combination of sale and payment in the same tool is realized.

[46] Figure 1 is a flowchart of an inter-bank payment and receipt method according to a first example of the present invention. As shown in Figure 1, the inter-bank receipt and payment method provides an interbank payment server, a client terminal, and a plurality of card issuers, wherein the client terminal includes at least one payment client and at least one payment client, the interbank payment method including the following steps:

[47] S 1, The payment clients in multiple customer terminals deliver payment requests information to the receiving client through the interbank payment server, and select one of the multiple card issuing terminals as one of the payment account information of the payment account;

. .

[48] S2. The receiving client responds to the payment request information and returns the receipt confirmation information including one of the plurality of card issuing terminals as the payment account information of the payment account to the payment client through the interbank payment server;

[49] S3: the inter-payment server generates a payment command according to the payment account information and the payment account information, and delivers the payment command to the card issuing terminal corresponding to the payment account selected by the payment client.

[50] S4. The card issuing terminal receives the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the payment account according to the payment instruction.

[51] Figure 2 is a schematic structural diagram of an inter-bank payment and receipt system according to a first example of the present invention. As shown in Figure 2, the present invention provides an interbank payment and receipt system, A server 2, a plurality of client terminals 1 communicatively connected to the interbank server 2, and a plurality of card issuing terminals 3 communicably connected to the interbank server 2, wherein the plurality of the card issuing terminals 3 are provided in a plurality of different issuing bank (bank), so as to operate on the data of different issuing bank. Please refer to Figure 2, the client terminal 1 may be a mobile terminal or a notebook computer or a fixed computer device. The client terminal I can install the corresponding software on the above mobile terminal or computer device so as to communicate with the interbank payment server 2. If it's a mobile terminal, it can be connected to the nearby base station through the wireless network, and then connected to the interbank payment server 2 through the base station. If it is a fixed computer device, it can connect to the interbank payment server 2 through the Internet. The card issuing terminal 3 is installed in a bank backstage server and connected with a cross-bank cashing server 2 through a specific network to read the account fund data. However, there is no financial flow between the cross-bank cashing server 2 and the card issuing terminal.

[52] Each of the plurality of client terminals 1 binds the plurality of card issuing terminals 3 according to a plurality of bank card numbers in the interbank payment server, where the client terminal 1 does not limit the binding bank card number, it can also bind personal information to interbank payment server, the user through the interbank payment server access to its multiple bank account information in multiple banks, interbank payment server through the operation of multiple personal account information to achieve interbank payment. The user inputs the bank card information of a plurality of different issuing cards on the client terminal 1, binds the bank card information and the user identity information, and binds the bank that is bound with the user identity card information to the interbank payment server 2, and may also be bound to the card issuing terminal 3 by using an ID card verification or other means; and the interbank cashier server 2 acquires the card issuing information from the plurality of card issuing terminals 3 according to the bank card information. For example, after logging in to cross-bank receipt and disbursement server 2, enter the construction bank card number and login password, the merchant bank card number and login password, and the ICBC number and login password in the following table:

[53] [Table 1]
Identity Bank card Account holder Issuer Login password Information number Zhang San Zhang San CCB XXXX ******
Zhang San Zhang San CMB XXXX ******
Zhang San Li Si ICBC XXXX ******

[54] Thus, the client terminal 1 used by Zhang San binds the card issuing terminals 3 including the Construction Bank, China Merchants Bank and Industrial and Commercial Bank of China, wherein the identity information refers to the identity information of the user who logs in to the interline payment server 2 through the client terminal 1, through which the user can input the bank card number and password of different banks and different account holders in the cross-bank payment server 2 and bind the inputted bank card information and identity information, then the user "Zhang San" this user can operate multiple bank cards. For example, Zhang San tied his own bank card in his own account, and also bound Li Si's bank card. After Zhang San entered his account in the interbank payment server, it can not only operate the bound bank card's own account funds, but also operate the bound bank of Li's account funds.

[55] As shown in Figure 2, the present invention provides an interbank payment system, including an interbank payment server, a client terminal communicatively connected to the interbank payment server, and a plurality of card issuing terminals communicatively connected to the interbank payment server, the client terminals including at least one payment client and at least one receiving client; the payment client is used to issue a payment information to the receiving client through the interbank payment server, and select one of the multiple card issuing terminals as one of the payment account information of the payment account; the receiving client is used to respond to the payment request information and return the payment confirmation information including one of the plurality of card issuing terminals to the payment account information of the payment account through the interbank payment server; and the interbank payment server comprises a = CA 02993455 2018-01-24 payment module, the payment module is used to: the receiving account information and the payment account information, and generates a payment command to the card issuing terminal corresponding to the payment account selected by the payment client;
the card issuing terminal is used to receive the payment instruction and to pay the amount corresponding to the payment amount information to the collection account according to the payment instruction.

[56] Figure 3 is a flow chart of a method for an inter-bank payment and receipt method according to a second example of the present invention. As shown in Figure 3, the method uses an inter-bank payment and receipt system as shown in Figure 2, the example is different from the first example in the process of subdividing the payment request information and collecting the acknowledgement information. The method specifically includes the following steps:

[57] S200. Each client terminal 1 of the multiple client terminals 1 binds the multiple card issuing terminals 3 according to a plurality of bank card numbers in the interbank payment server 2.

[58] S201: the payment Client 11 of the plurality of client terminals 1 delivers payment request information to the receiving client 12 through the interbank payment server 2;

[59] S202, the payment Client 12 responds to the payment request information and returns payment receipt confirmation information to the payment Client 11 through the interbank payment server 2;

[60] S203: After receiving the payment confirmation information, the payment Client 11 forms payment amount information corresponding to the payment amount, and delivers the payment amount information to the payment receiving client 12 via the interbank payment server 2;

[61] S204: After confirming the amount information, the payment Client 12 selects one of the plurality of the card issuing terminals 3 bound by itself as the payment account, and the receivable account is composed of the receivable account information and the receivable account information is delivered to the payment client 11 through the interbank payment server 2;

[62] S205. After receiving the payment account information, the payment Client 11 selects one of the pluralities of the card issuing terminals 3 bound by itself as a payment account, and forms the payment account into payment account information and delivers the payment account information and the receiving account information to the interbank payment server 2. As shown in Figure 3, Figure 4 is a flowchart of the information flow between the client terminals according to the second example of the present invention. The flow of =
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information between the client terminals 1 in steps S200 to S205 is more clearly displayed.

[63] S206. The interbank payment server 2 delivers a payment order to the card issuing terminal 3 corresponding to the payment account information according to the payment account information and the payment account information.

[64] S207: After receiving the payment instruction, the card issuing terminal 33 delivers the payment amount corresponding to the amount information to the card issuing terminal 33 corresponding to the payment account according to the payment instruction.

[65] The beneficial effect of this example is that after the user enters the banking system to bind the account with the interbank receiver at the initial setting, any subsequent operations need only enter the interbank receiver and select an individual account, bank account with the account for the implementation of the operation to achieve the operation of all the banking data within the same tool without having to visit each specific banking system to operate one by one.

[66] Figure 5 is a flow chart of a method for inter-bank payment and receipt according to a third example of the present invention. As shown in Figure 5, this example is different from the second example in that the interbank payment and receipt server 2 further stores the payment request information and the payment confirmation information so as to facilitate the client terminal to query the corresponding information. Specifically, the method includes the following steps:

[67] S300: Each client terminal in the multiple client terminals 1 binds the multiple card issuing terminals 3 according to multiple bank card numbers in the interbank payment server 2.

[68] S301: the payment Client 11 in the multiple client terminals 1 delivers payment request information to the payment receiving Client 12 through the interbank payment server 2. In step Si, the interbank payment server 2 stores the payment request information.

[69] S302, the payment Client 12 responds to the payment request information and returns payment confirmation information to the payment Client 11 via the interbank payment server 2. The interbank payment server 2 stores the payment request information receipt confirmation information.

[70] S303: After receiving the payment confirmation information, the payment Client 11 forms payment amount information corresponding to the payment amount, and delivers the payment amount information to the payment receiving client 12 via the interbank payment server 2; the interbank payment server 2 stores the amount information.

[71] S304: After confirming the amount information, the payment Client 12 selects one of the plurality of the card issuing terminals 3 bound by itself as the payment account, and the receivable account is composed of the receivable account information and the receivable = CA 02993455 2018-01-24 account information is delivered to the payment client 11 through the interbank payment server 2; the interbank payment server 2 stores the payment account information.

[72] S305. After receiving the payment account information, the payment Client 11 selects one of the plurality of the card issuing terminals 3 bundled with itself as a payment account, and forms the payment account into payment account information and delivers the payment account information and payment account information to the inter-payment receiving server 2; and the interbank payment server 2 stores the payment account information. The interbank payment server 2 further includes a storage unit, where the storage unit is used to store the payment request information, the payment confirmation information, the amount information, the payment account information, and the payment account information.

[73] S306. The interbank payment server 2 delivers a payment order to the card issuing terminal 3 corresponding to the payment account information according to the payment account information and the payment account information.

[74] S307: After receiving the payment instruction, the card issuing terminal 3 delivers the payment amount corresponding to the amount information to the card issuing terminal 3 corresponding to the payment account according to the payment instruction.

[75] S308: the payment Client 11 in the multiple client terminals delivers a query request to the interbank payment server 2.

[76] S309: the inter-payment server 2 responds to the inquiry request to query the stored payment request information, the payment confirmation information, the amount information, the payment account information, the payment account information, and returns the query result to the client terminal that delivered the query request. By setting a query unit in the interbank payment server 2, the query unit is used to respond to the query request to inquire the payment request information, the receipt confirmation information, the amount information stored in the storage unit. The payment account information, the payment account information, and returns a query result to the client terminal that delivered the query request.

[77] The beneficial effect of this example is that interbank payment collectors can perform payment collection and payment inquiry for different amounts within the same tool by storing the process information of inter-bank receipt and payment.

[78] Figure 6 is a flowchart of information flow between client terminals according to a fourth example of the present invention. As shown in Figure 6, this example is different from the second example in that an instant online session can be established during interbank payment to improve the security of the transaction. Specifically, the process includes the following steps:

[79] S400: Each of a plurality of client terminals is bound to the plurality of card issuing terminals 3 according to a plurality of bank card numbers in the interbank payment server 2; meanwhile, the payment Client 12 also issues various types of service information to the payment client 11 through the interbank payment server 2. For example, business information includes instalments, payments once, and more.

[80] S401: the payment Client 11 in the multiple client terminals delivers the payment request information to the payment receiving Client 12 through the interbank payment server 2.
The payment Client 11 further delivers the payment request information from the multiple types of service information. And delivers payment request information to the receiving client 12 through the interbank receiving and paying server 2 according to the one of the service information. For example, if the user chooses to pay in instalments, the payment amount may be paid in instalments to the payment account.

[81] S402, the payment Client 12 responds to the payment request information and returns payment receipt confirmation information to the payment Client 11 through the interbank payment server 2.

[82] S403: After receiving the payment confirmation information, the payment Client 11 forms payment amount information corresponding to the payment amount, and delivers the payment amount information to the payment receiving client 12 via the interbank payment server 2.

[83] S404: After confirming the amount information, the payment Client 12 selects one of the pluralities of the card issuing terminals 3 bound by itself as the payment account, and the receivable account is composed of the receivable account information and the receivable account information is delivered to the payment client 11 through the interbank payment server 2.

[84] S405: After receiving the payment account information, the payment Client 11 selects one of the pluralities of the card issuing terminals 3 bundled with itself as a payment account, and forms the payment account into payment account information and delivers the payment account information and payment account information and the interbank payment server 2.

[85] The advantage of this example is that it enriches the payment types between client terminals and makes it easier for client terminals to conduct private transactions.

[86] Figure 7 is a flowchart of information flow between client terminals according to a fifth example of the present invention. As shown in Figure 7, this example is different from the second example in that an instant online session function is added. The process includes the following steps:

[87] S500: Each client terminal of the multiple client terminals binds the multiple card issuing . .

terminals 3 according to a plurality of bank card numbers in the interbank payment server 2.

[88] S501, the payment Client 11 further establishes an instant online session with the payment Client 12 through the interbank payment server 2, and after the online session is completed, the online payment server 2 delivers the payment Client 12 issues payment request information. For example, the two client terminals of the transaction can follow up the business through the instant online conversation, generate the payment collection operation through the online contact, and start to make the payment request after the online conversation is reached.

[89] S502, the payment Client 12 responds to the payment request information and returns payment confirmation information to the payment Client 11 via the interbank payment server 2.

[90] S503: After receiving the payment confirmation information, the payment Client 11 forms payment amount information corresponding to the payment amount, and delivers the payment amount information to the payment receiving client 12 via the interbank payment server 2.

[91] S504: After confirming the amount information, the payment Client 12 selects one of the pluralities of the card issuing terminals 3 bound by itself as the payment account, and the receivable account is composed of the receivable account information and the receivable account information is delivered to the payment client 11 through the interbank payment server 2.

[92] S505: After receiving the payment account information, the payment Client 11 selects one of the pluralities of the card issuing terminals 3 bundled with itself as a payment account, and forms the payment account into payment account information and delivers the payment account information and payment account information and the interbank payment server 2.

[93] The beneficial effect of implementing this example is that by establishing an instant online conversation for business connection, the two parties start the payment collection operation after confirming the payment and collection business, thus improving the security of the payment collection operation.

[94] The examples of the present invention are described above with reference to the accompanying drawings. However, the present invention is not limited to the above specific examples. The foregoing specific examples are merely illustrative and not intended to limit the present invention, many modifications and variations can be made by those skilled in the art without departing from the spirit and scope of the invention as disclosed in the accompanying drawings, all of which fall within the protection scope of the invention.

Claims

The Claims [Claims I] 1. An inter-bank payment method for providing an interbank payment server, a client terminal, and a plurality of card issue terminals, wherein the client terminal includes at least one payment client and at least one payment client. The interbank payment method includes the following steps:
S1: the payment client issues, through the inter-bank payment server, a payment request including payment amount information to a payment receiving client and one of the plurality of card issuing terminals as payment account information of the payment account information;
S2. the receiving client responds to the payment request information and returns the receipt confirmation information including one of the plurality of card issuing terminals as the payment account information of the payment account to the payment client through the interbank payment server;
S3. the inter-payment server generates a payment command according to the payment account information and the payment account information, and delivers the payment command to the card issuing terminal corresponding to the payment account selected by the payment client.
S4. the card issuing terminal receives the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the payment account according to the payment instruction.
[Claim 2] 2. The method for inter-bank payment according to Claim 1, wherein the method for inter-bank payment also includes:
S0: the user logs in to the interbank payment server through the client terminal to bind the card issuing terminal corresponding to the identity information of the user.
[Claim 3] 3. The method according to Claim 1, wherein in step S 1, the interbank payment server stores the payment request information;
In the step S2, the interbank payment server stores the receipt confirmation information.
[Claim 4] 4. The method for interbank payment according to Claim 3, its characteristic is that, the method also includes:
S5. After step S4, the client terminal delivers a query request to the interbank payment server.

S6. the inter-bank payment server responds to the inquiry request to inquire the stored payment request information, the receipt confirmation information, and returns a query result to the client terminal that delivers out the inquiry request.
[Claim 4] 5. The method according to Claim 2, wherein in the step S0, the payment client also issues multiple types of service information to the payment client through the inter-bank payment server;
In the step S1, the payment client further selects at least one piece of service information from the multiple pieces of service information, and delivers a payment request to the paying client via the interbank payment server according to the selected service information.
[Claim 6] 6. The method according to Claim 1, wherein in step S1, the payment client and the payment client are established in the interbank payment server instant online session between the payment client and the payment client via the interbank payment server after the online session is completed.
[Claim 7] 7. An interbank payment system, comprising: an interbank payment server, a client terminal communicatively connected to the interbank payment server, and an interbank payment server, the client terminal including at least one payment client and at least one payment client;
The payment client is used to issue, through the inter-bank payment server, a payment request including payment amount information to a payment receiving client and one of the plurality of card issuing terminals as payment account information of the payment account information;
The receiving client is used to respond to the payment request information and returns the receipt confirmation information including one of the plurality of card issuing terminals as the payment account information of the payment account to the payment client through the interbank payment server;
The inter-bank payment server includes a payment module, and the payment module is used to generate a payment command according to the payment account information and the payment account information, and deliver the payment command to the card issuing terminal corresponding to the payment account selected by the payment client;
The card issuing terminal is used to receive the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the payment account according to the payment instruction.
[Claim 8] 8. The interbank payment system according to Claim 7, its characteristic is that, wherein the client terminal is also used to log in the interbank payment server to bind the user's identity information to the corresponding issuance card terminal;
The payment client is also used to publish multiple types of service information to the payment client through the inter-bank payment server;
The payment client is also used to select at least one piece of service information from the multiple pieces of service information and delivers the payment request message to the receiving client via the interbank payment server according to the selected service information.
[Claim 9] 9. The payment system according to Claim 7, wherein the interbank payment server also includes a storage module and a query module;
The storage module is used to store the payment request information and the receipt confirmation information;
The query module is used to, in response to a querying request, querying the stored payment request information and the collection acknowledgement information and returning a querying result to the client terminal that delivered the querying request;
The client terminal is also used to deliver the query request to the interbank payment server.
[Claim 10] 10. The interbank payment system according to Claim 7, wherein the interbank payment server also includes an online conversation module and the online module is used to establish an instant online communication between the client terminals online conversation