CA2993677A1

CA2993677A1 - Interbank payment system and interbank payment method

Info

Publication number: CA2993677A1
Application number: CA2993677A
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: CA2993677C; WO2016019532A1; CN104854604A

Abstract

Disclosed are an interbank payment system and an interbank payment method, the interbank payment method comprising: S1: bank account information is inputted and bound to user login information; S2: an interbank payment server obtains corresponding account funds information; S3: a client issues a payment request; S4: the interbank payment server detects a plurality of pieces of matching account funds information; S5: the client selects one piece of account funds information from the plurality of pieces of matching account funds information; S6: the interbank payment server sends payment confirmation information; S7: an issuing terminal freezes account funds and unfreezes the account funds, thereby paying the account funds. The advantageous effects of the present invention are that a payment function manipulating all banking data within a same tool is provided and it is not necessary to log in to each specific bank system for individual operations.

Description

2 PCT/CN2014/083829 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 inter-bank 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 commercial banks and non-financial payment service institutions approved by the People's Bank of China to access and provide customers 24/7 of round-the-clock service.

[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 barrier and inconvenient payment.

[6] The technical solution adopted by the present invention to solve the technical problem is as follows: On the one hand, construct an inter-bank payment method, providing a client with user login information, an interbank payment server, and multiple card terminals set up in multiple different issuing rows, the inter-bank payment method includes the following steps:

[7] Si. Enter multiple bank account information from the client for multiple different card issuing bank, bind the bank account information with the user login information, and bind the user account with the user login information of the bank account information to the interbank payment server;

[8] S2. The interbank payment server obtains multiple account funds information from the multiple card terminals according to the bank account information;

[9] S3. The client makes payment requests including payment services and payment amount to the inter-bank payment server;

[10] S4. The interbank payment server detects multiple account fund information that matches the amount of the payment as stated in the multiple account fund information obtained from the payment request, and delivers the matched multiple account funds information to the client;

[11] S5. The client selects one of the account funds information from the matched multiple account fund information;

[12] S6. The inter-bank payment server delivers the payment confirmation information to the card issuing terminal of the selected account fund information according to the account fund information selected by the client;

[13] S7. The card issuing terminal suspends the account funds corresponding to the bank account information according to the payment confirmation information, and unfreezes the account funds according to the payment service so as to pay the preset designated account with the account funds.

[14] In the inter-bank payment method of the present invention, the step Si includes the following sub-steps:

[15] S11. The client logs in to the interbank payment server according to the user login information.

[16] S12. The client enters multiple bank account information of different card issuing bank, and connects the bank account information with the user login information;

[17] S13. Deliver the bank account information bound with the user login information to the interbank payment server.

[18] In the inter-bank payment method of the present invention, the step S3 includes the following sub-steps:

[19] S31. The preset designated account provides the payment service and the payment amount to the client by using the interbank payment server.

[20] S32. The client acquires the payment service provided by the designated account and the payment amount from the interbank payment server.

[21] S33. The client selects the payment service and the payment amount, and forms a payment request for the selected payment service and the payment amount, and delivers the payment request to the interbank payment server.

[22] In the inter-bank payment method of the present invention, in step S4, the amount of account funds that match the payment business and the amount of the payment is greater than or equal to the amount of the payment.

[23] In the inter-bank payment method of the present invention, the step S7 includes the following sub-steps:

[24] S71. The card issuing terminal freezing the account funds corresponding to the bank account information according to the payment confirmation information;

[25] S72. The card issuing terminal confirms the payment service to the designated account according to the frozen account funds.

[26] S73. The card issuing terminal unfreezes the account funds according to the payment service, thereby paying the preset designated account with the account funds.

[27] In another aspect, the present invention provides an interbank payment method, providing a client with user login information, an interbank payment server, and a plurality of card issuers disposed in a plurality of different card issuers, wherein the interbank payment method Including the following steps:

[28] Si. The client makes payment requests including payment services and payment amount to the inter-bank payment server;

[29] S2. Enter multiple bank account information from the client for multiple different card issuing bank, bind the bank account information with the user login information, and bind the user account with the user login information of the bank account information to the interbank payment server;

[30] S3. The interbank payment server obtains the corresponding account funds information from the multiple card terminals according to the bank account information;

[31] S4. The interbank payment server detects multiple account fund information that matches the amount of the payment as stated in the multiple account fund information obtained from the payment request, and delivers the matched multiple account funds information to the client;

32 PCT/CN2014/083829 [32] S5. The client selects one of the account funds information from the matched multiple account fund information;

[33] S6. The inter-bank payment server delivers the payment confirmation information to the card issuing terminal of the selected account fund information according to the account fund information selected by the client;

[34] S7. The card issuing terminal suspends the account funds corresponding to the bank account information according to the payment confirmation information, and unfreezes the account funds according to the payment service so as to pay the preset designated account with the account funds.

[35] An inter-bank payment method of the present invention has the following beneficial effects: since the interbank payment machine has already docked with various banks in the background, as long as the user enters the banking system at the initial setup and binds the account with the interbank payment machine, any subsequent operations only need to enter the interbank payment, select a personal account to each bank account with the account to perform the operation, the purpose of operating all bank data in the same tool without entering each specific bank system to operate one by one is realized. At the same time, the payer can pay both the designated account and the advance payment of a certain amount without the receiver of the money, so that the payer can look for the receiver to receive this amount of cash on the premise that he plans to pay the amount.

[36] In another aspect, the present invention provides an interbank payment system including setting up a client with user login information, an interbank payment server that connects to the client communication, and multiple issuing terminals set up in multiple different issuing rows; the issuing terminal is connected with the interbank payment server communication;

[37] The client includes an input module, a request module, a selection module and a payment module;

[38] The input module is used to enter multiple bank account information from the client for multiple different card issuing bank, bind the bank account information with the user login information, and bind the user account with the user login information of the bank account information to the interbank payment server;

[39] The request module is used to make payment requests including payment services and payment amount to the inter-bank payment server;

[40] The selection module is used to select one of the account funds information from the matched multiple account funds information;

[41] The payment module freezing the account funds corresponding to the bank account information according to the payment confirmation information, and unfreezing the account funds according to the payment service, thereby paying the preset designated account with the account funds;

[42] The interbank payment server includes an acquisition module, a detecting module and a confirming module;

[43] The acquisition module is used to acquire corresponding multiple account funds information from the multiple card issuers according to the bank account information;

[44] The detection module is used to detect multiple account fund information that matches the amount of the payment as stated in the multiple account fund information obtained from the payment request, and delivers the matched multiple account funds information to the client;

[45] The confirmation module is used to deliver the payment confirmation information to the card issuing terminal of the selected account fund information according to the account fund information selected by the client;

[46] In the inter-bank payment system of the present invention, the client further includes a login module, and the login module is used to log in to the interbank payment server according to the user login information.

[47] In the inter-bank payment system of the present invention, the preset designated account is used to provide the payment service and the payment amount through the interbank payment server;

[48] The payment module is also used to confirm the payment service with the designated account according to the frozen account funds.

[49] In the interbank payment system of the present invention, the amount of account funds that match the payment business and the amount of the payment is greater than or equal to the amount of the payment.

[50] An inter-bank payment system of the present invention has the following beneficial effects:
since the interbank payment machine has already docked with various banks in the background, as long as the user enters the banking system at the initial setup and binds the account with the interbank payment machine, any subsequent operations only need to enter the interbank payment, select a personal account to each bank account with the account to perform the operation, the purpose of operating all bank data in the same tool without entering each specific bank system to operate one by one is realized. At the same time, the payer can pay both the designated account and the advance payment of a certain amount without the receiver of the money, so that the payer can look for the receiver to receive this amount of cash on the premise that he plans to pay the amount.

Brief Description

[51] Figure 1 is a schematic structural diagram of an inter-bank payment system provided by the present invention;

[52] Figure 2 is a flowchart of a method for inter-bank payment according to the present invention;

[53] Figure 3 is a flow chart of binding client information of a bank account according to the present invention;

[54] Figure 4 is a flow chart of a client delivering a payment request according to the present invention;

[55] Figure 5 is a flow chart of the terminal-side freezing funds provided by the present invention.
Description of the Preferred Examples

[56] 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.

[57] The present invention provides an inter-bank payment system and an inter-bank payment method. The inter-bank payment server is connected to the issuing terminal by establishing an interbank payment server and backing up the background of each bank. As long as the payer (i.e., the client) enters the banking system when the initial setting is made to the banking system and binds the account to the interbank payment server, and the user login information is bound to an individual in the interbank payment server. Any subsequent operations need only enter the interbank payment server, select an individual account; the bank account of the home account is operated and implemented, so as to achieve the purpose of operating all the bank data in the same tool without having to visit each specific bank system to operate one by one. At the same time, the payer can both pay for the designated account (such as a designated account) and also support the advance payment of a certain amount without the recipient of the money, so that the payer can look for the receiver to receive this amount of cash on the premise that he plans to pay the amount.

[58] Figure 1 is a schematic structural diagram of an interbank payment system provided by the present invention. As shown in Figure 1, the present invention provides an interbank payment system including a Client 1 provided with user login information and a Client 1 inter-bank payment server 2 connected to the internet, and a plurality of card issuing terminals 3 arranged in a plurality of different card issuing banks. The card issuing terminal 3 is in communication connection with the interbank payment server 2. Wherein, as shown in Figure 1, the client may be a mobile terminal or a fixed computer device.
The client may install the corresponding software on the mobile terminal or the computer device to communicate with the interbank payment server 2, and if it is a mobile terminal, then it can be connected to Interbank Payment Server 2 via a wireless network connection, or to Interbank Payment Server 2 via the Internet if it is a fixed computer device.
The card issuing terminal 3 is installed in a bank backstage server and connected with the interbank payment server 2 through the Internet to read the account fund data, but there is no financial flow between the interbank payment server 2 and the card issuing terminal.

[59] The Client I inputs bank account information of a plurality of bank cards in a plurality of different issuer lines, binds the bank account information with the user login information, and the bank account information is bound to the user login information, and the bank account information after binding to the user login information is delivered to the interbank payment server 2; the interbank payment server 2 acquires corresponding multiple account funds information from the multiple card issuers 3 according to the bank account information; for example, after landing on the interbank payment server 2, Zhang San entered the Construction Bank card number and the landing password, the China Merchants Bank card number and the landing password, the ICBC card number and the landing password.

[60] [Table 1]
User login Account holder I Issuer Bank card I Login password information number Zhang San Zhang San CCB XXXX ******
Zhang San Zhang San CMB XXXX ******
Zhang San Li Si ICBC XXXX ******

[61] Wherein, the user login information refers to the user login information for login to the interbank payment server 2 through the Client 1, through which the user can input the bank card number and password of different banks and different account holders in the interbank payment server 2, and binding the bank account information entered with the user login information allows the user to operate multiple bank card funds accounts through the user "Zhang San". For example, Zhang San bound his own bank card with his own account, and also bound Li Si's bank card. After Zhang San landed his account in the interbank payment server, he could not only operate the bound bank account of their own funds, it can also operate the bound bank of Li Si bank account funds.

[62] After binding the user login information and the bank account information, the user delivers a payment request including the preset payment service and the payment amount to the interbank payment server 2 through the Client 1. The interbank payment server 2 determines, according to the payment request detects the account fund information that matches the payment amount from the obtained plurality of account fund information, and delivers the matched account fund information to the Client 1; and the Client 1 selects one of the account funds information from the matched account fund information;
and the interbank payment server 2 delivers the payment confirmation information to the selected account fund information corresponding to the card issuing terminal 3 according to the account fund information selected by the Client 1 and the card issuing terminal 3 froze the account funds corresponding to the bank account information according to the payment confirmation information. For example, the user enters the inter-bank payment server 2 through the Client 1, and selects individual account to perform the operation on each bank account with an account and operate all the bank data in the same tool, and the payer can also operate the designated account (such as designated account) to pay, but also possible to pay a certain amount of money in advance without the recipient of the money. For example, users need to pay utility bills, but utility bills are paid on a monthly basis and cannot be paid at any time. Users can then advance this part of the utility bill through interbank payment server 2, wait until the payment date, payment account, which is the designated account, and automatically deliver the part of utilities to the receiving account.

[63] Specifically, the Client 1 includes an input module 11, a request module 12, a selection module 13, and a payment module 14. The input module 12 is used to input a plurality of bank account information of a plurality of different issuing banks, the bank account information is bound with the user login information, and the bank account information bound with the user login information is delivered to the interbank payment server 2; and the request module 12 is used to deliver a payment request including the payment service and the payment amount of the payment request to the interbank payment server 2; the selection module 13 is used to select one of the matched account funds information from a plurality of matching accounts; and the payment module 14, according to the payment confirmation information, account funds corresponding to the bank account information, and unfreezing the account funds according to the payment service, thereby paying the preset designated account with the account funds;

[64] The interbank payment server 2 includes an acquisition module 21, a detection module 22 and a confirmation module 23. The acquisition module 21 is used to acquire a corresponding plurality of account funds from the plurality of issuers 3 according to the bank account information; the detection module 22 is used to detect, according to the payment request, a plurality of account funds information matching the payment amount from the acquired plurality of account funds information, and deliver the matched multiple account funds information is delivered to the Client 1; the confirmation module 23 is used to deliver the payment confirmation information to the issuing terminal 3 corresponding to the selected account fund information according to the account fund information selected by the client terminal 1;

[65] Preferably, the Client 1 further includes a login module 15, and the login module 15 is used to log in to the interbank payment server 2 according to the user login information. The preset designated account is used to provide the payment service and the payment amount through the interbank payment server 2. The payment module 14 is also used to confirm the payment to the designated account according to the frozen account funds business.

[66] Wherein, the frozen funds does not mean that the funds needed to apply for new shares will be frozen when the new shares are subscribed, after verification as a valid application, the fund will not be used for other purposes within a few working days. After the application, the funds will be unfreezing. But this part of the funds cannot be misappropriated for the time being, and when the payment business is completed, the part of the funds can be transferred to the designated account. Wherein, the "frozen funds" can be interpreted as:
the temporary loss of tenure, but ownership, benefits (interests, proof of assets, capital verification) etc.

[67] In addition, the Client 1 is also used to be communicatively connected to the interbank payment server 2 according to the user login information. For example, in the client, users can log in to interbank payment server 2 directly according to the user login information without other complicated login information.

[68] For the designated account, it is also allowed to log in to the interbank payment server 2 with a preset designated default account to provide the payment service and the payment amount. At the same time, the card issuing terminal 3 blocks the account funds corresponding to the bank account information according to the payment confirmation information, and notifies the designated account of providing the payment service according to the frozen account funds. Payment of the account funds to the specified account after the unfreezing of the account funds period.

[69] For example, the commodity may be purchased through a preset merchant or seller, and the commodity should include the payment method and amount of the merchant or seller, and the user may initiate a payment request according to the payment method and the merchandise amount mentioned above. When the card-issuing terminal 3 receives the information for confirming the payment, it will freeze the funds of the account, and when it is frozen, the preset merchant and the seller may also see the status. At this time, the preset merchant and seller provide the corresponding payment service: delivery or other business, the user receives the commodity or received the business, and then the frozen funds delivered to the default business and the seller's account.

[70] Generally, the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount. For example, an interbank payment server automatically filters bank cards whose account funds are larger than the payment amount for the user to choose to pay. In this way, the user can easily find the bank card meeting the payment requirements through the interbank payment server provided by the present invention without having to log in to different bank websites one by one for searching.

[71] Figure 2 is a flowchart of a method for inter-bank payment provided by the present invention. As shown in Figure 2, an inter-bank payment method provided by the present invention includes the following steps:

[72] Si. Inputting bank account information of a plurality of bank cards in a plurality of different issuing banks from the client terminal 1, binding the bank account information with the user login information, and registering with the user of the bank account information after the information binding is delivered to the interbank payment server 2;
the client interacts with the interbank payment server for information interaction, and the card issuing terminal 3 and the interbank payment server 2 exchange information.

[73] S2. The interbank payment server 2 acquires corresponding multiple account funds information from the multiple card issuers 3 according to the bank account information. By binding the bank account information and the user login information, log in to the personal account of the interbank payment server to operate the bank balances that each has an account.

[74] S3. The Client 1 delivers a payment request including the payment service and the payment amount to the interbank payment server 2. Specifically, the payment request should further include a payment request that is met by the issuing bank, that is, a payment request business should be supported by the issuing bank, such as inter-border transfers that require bank cards to have function of inter-border payments or transfers. The above steps S I and S3 may be performed in parallel.

[75] S4. The interbank payment server 2 detects, according to the payment request, the account fund information that matches the payment amount from the acquired multiple account fund information, and delivers the matched account funds Information to the Client 1; and the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount. For example, the user Zhang San need to pay utility bills, utility bills are paid monthly for the previous month's utility bills, monthly utilities and account balances as shown in the following table:

[76] [Table 2]
One month utilities Issuer Bank card number Balance 200 Yuan / month CCB XXXX VI 000 200 Yuan / month CMB XXXX 2000 200 Yuan / month ICBC XXXX 500

[77] If Zhang San hopes to automatically pay a quarter of utilities, a quarter of utilities 200* 3 =
600 Yuan, then only the China Construction Bank and China Merchants Bank card meet the requirements..

[78] S5. The Client 1 selects one of the account funds information from the matching account fund information. For example, Zhang San selects the bank card of the Construction Bank as the bank card of the current payment of utility bills.

[79] S6. The interbank payment server 2 delivers the payment confirmation information to the issuing terminal 3 corresponding to the selected account fund information according to the account fund information selected by the client terminal 1; for example, after selecting a bank card, delivers payment confirmation information to the corresponding issuing bank 3.

[80] S7. The card issuing terminal 3 froze the account funds corresponding to the bank account information according to the payment confirmation information. After the card-issuing terminal 3 freezes the fund, it starts to execute the payment service. After the payment service is completed, the fund is unfrozen and the fund is transferred to the designated account.

[81] Figure 3 is a flow chart of binding client information of a bank account provided by the present invention. As shown in Figure 3, the step Si includes the following sub steps:

[82] S11. The Client 1 logs in to the interbank payment server 2 according to the user login information. The user login information may be used as a login certificate for logging in the interbank payment server 2. Also, a login password may be added to log in to the interbank Payment server 2. The combination of user login information and login password can improve the security of the account.

[83] S12. The Client 1 inputs bank account information of a plurality of bank cards in a plurality of different issue cards in a logged-in state, and binds the bank account information and the user login information; in a login environment, the bank account information of multiple bank cards is input and then automatically binds to the user login information.

[84] S13. Deliver the bank account information bound with the user login information to the interbank payment server 2.

=

[85] Figure 4 is a flowchart of delivering a payment request by a client according to the present invention. As shown in Figure 4, the step S3 includes the following sub steps:

[86] S31. The preset designated account logs in to the interbank payment server 2 to provide the payment service and the payment amount. For example, the designated account is a commodity seller payment account, and the commodity seller issues his own account through the login interbank payment server payment business and the amount of payment, payment services including commodity attributes information, seller's receivables account, etc.

[87] S32. The Client 1 acquires the payment service provided by the designated account and the payment amount from the interbank payment server 2. The payment business and the amount of payment can be viewed from Client 1 by specifying the payment business and payment amount provided by the account.

[88] S33. The Client 1 selects the payment service and the payment amount, and forms a payment request for the selected payment service and the payment amount, and delivers the payment request to the interbank payment server 2.

[89] Figure 5 is a flow chart of the terminal-side freezing funds provided by the present invention. As shown in Figure 5, the interbank payment method provided by the present invention also includes:

[90] S71. After the step S7, the card issuing terminal 3 may freeze the account funds corresponding to the bank account information according to the payment confirmation information. For example, after the card issuing terminal 3 receives the payment confirmation information of Zhang San, The account funds in the payment confirmation information are frozen, and the payment confirmation information is 600 Yuan for confirming the payment of 600 Yuan of commodities.

[91] S72. The card issuing terminal 3 notifies the designated account to provide the payment service according to the frozen account funds. For example, after the terminal finishes freezing the funds, it delivers a short message or delivers a notification message to the designated account by using the Internet. After receiving the notification message, the designated account provides the payment service. For example, the 600 Yuan commodity is delivered to the user with Client 1 in the way of express delivery.

[92] S73. The card issuing terminal 3 pays the account with the designated account after unfreezing the account fund period. For example, after receiving the 600-Yuan commodity, the user confirms receipt of the payment service at the interbank payment server 2 through the Client 1, the interbank payment server 2 notifies the card-issuing terminal 3 to unfreeze the funds during the freezing of the account funds, and pays the account with the designated account.

[93] The beneficial effects of implementing the present invention are as follows. The user enters the banking system at the initial setup and binds the account with the interbank payment machine, any subsequent operations only need to enter the interbank payment, select a personal account to each bank account with the account to perform the operation, the purpose of operating all bank data in the same tool without entering each specific bank system to operate one by one is realized. At the same time, the payer can pay both the designated account and the advance payment of a certain amount without the receiver of the money, so that the payer can look for the receiver to receive this amount of cash on the premise that he plans to pay the amount.

[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 1] 1.
An interbank payment method providing a Client (1) provided with user login information, an interbank payment server (2) and a plurality of card issuing terminals (3) provided in a plurality of different card issuing banks, the characteristic is that the interbank payment method includes the following steps:
S1. Enter a plurality of bank account information of a plurality of different issue cards from the Client (1), bind the bank account information with the user login information, and bind the user account with the user login information of the bank account information to the interbank payment server (2);
S2. The interbank payment server (2) acquires corresponding multiple account funds information from the multiple card issuers (3) according to the bank account information.
S3. The Client (1) delivers a payment request including the payment service and the payment amount to the interbank payment server (2);
S4. The interbank payment server (2) detects multiple account fund information that matches the amount of the payment as stated in the multiple account fund information obtained from the payment request, and delivers the matched multiple account funds information to the Client (1);
S5. The Client (1) selects one of the account funds information from the matched multiple account fund information.
S6. The interbank payment server (2) delivers payment confirmation information to a card issuing terminal 3 corresponding to the selected account fund information according to the account fund information selected by the Client (1);
S7. The card issuing terminal (3) frozen the account funds corresponding to the bank account information according to the payment confirmation information, and unfreezes the account funds according to the payment service so as to pay the preset designated account with the account funds.
[Claim 2] 2. According to the method for interbank payment according to Claim 1, wherein the step SI includes the following sub-steps:
S11. The Client (1) logs in to the interbank payment server (2) according to the user login information;
S12. The Client (1) inputs a plurality of bank account information of a plurality of different issuing cards and binds the bank account information with the user login information;
S13. Deliver the bank account information bound with the user login information to the interbank payment server (2).
[Claim 3] 3. According to the method for inter-bank payment in Claim 1, wherein the step S3 includes the following sub-steps:
S31. The preset designated account provides the Client (1) with the payment service and the payment amount through the interbank payment server (2);
S32. The Client (1) acquires the payment service provided by the designated account and the payment amount from the interbank payment server (2);
S33. The Client (1) selects the payment service and the payment amount, and forms a payment request for the selected payment service and the payment amount, and delivers the payment request to the interbank payment server (2).
[Claim 4] 4. According to the method for inter-bank payment in Claim 1, wherein in step S4, the account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.
[Claim 5] 5. According to the method for inter-bank payment in Claim 3, wherein the step S7 includes the following sub-steps:
S71. The card issuing terminal (3) freezing the account funds corresponding to the bank account information according to the payment confirmation information;
S72. The card issuing terminal (3) confirms the payment service to the designated account according to the frozen account funds.
S73. The card issuing end (3) unfreezes the account funds according to the payment service, thereby paying the preset designated account with the account funds.
[Claim 6] 6. An interbank payment method providing a Client (1) provided with user login information, an interbank payment server (2), and a plurality of card issuing terminals (3) provided in a plurality of different card issuing banks, the characteristic is that the interbank payment method includes the following steps:
S1. The Client (1) delivers a payment request including the payment service and the payment amount to the interbank payment server (2);
S2. Enter a plurality of bank account information of a plurality of different issue cards from the Client (1), bind the bank account information with the user login information, and bind the user account with the user login information of the bank account information to the interbank payment server (2);

S3. The interbank payment server (2) acquires corresponding multiple account funds information from the multiple card issuers (3) according to the bank account information.
S4. The interbank payment server (2) detects multiple account fund information that matches the amount of the payment as stated in the multiple account fund information obtained from the payment request, and delivers the matched multiple account funds information to the Client (1);
S5. The Client (1) selects one of the account funds information from the matched multiple account fund information.
S6. The interbank payment server (2) delivers payment confirmation information to a card issuing terminal 3 corresponding to the selected account fund information according to the account fund information selected by the Client (1);
S7. The card issuing terminal (3) frozen the account funds corresponding to the bank account information according to the payment confirmation information, and unfreezes the account funds according to the payment service so as to pay the preset designated account with the account funds.
[Claim 7] 7. An interbank payment system including a Client (1) provided with user login information and an interbank payment server (1) communicatively connected to the Client ( 2), and a plurality of card issuing terminals (3) arranged in a plurality of different card issuing banks;
The card issuing terminal (3) is in communication connection with the interbank payment server (2);
The Client (1) includes an input module (11), a request module (12), a selection module (13) and a payment module (14);
The input module (12) is used to enter multiple bank account information from the client for multiple different card issuing bank, bind the bank account information with the user login information, and bind the user account with the user login information of the bank account information to the interbank payment server (2);
The request module (12) is used to deliver a payment request including the payment service and the payment amount to the interbank payment server (2);
The selection module (13) is used to select one of the account funds information from the matched multiple account funds information;
The payment module (14) freezing the account funds corresponding to the bank account information according to the payment confirmation information, and unfreezing the account funds according to the payment service thereby paying the preset designated account with the account funds;
The interbank payment server (2) includes an acquisition module (21), a detection module (22) and a confirmation module (23);
The acquisition module (21) is used to acquire corresponding multiple account funds information from the multiple card issuers (3) according to the bank account information;
The detection module (22) is used to detect multiple account fund information that matches the amount of the payment as stated in the multiple account fund information obtained from the payment request, and delivers the matched multiple account funds information to the Client (1);
Confirmation module (23) is used to deliver payment confirmation information to a card issuing terminal (3) corresponding to the selected account fund information according to the account fund information selected by the Client (1);
[Claim 8] 8. According to the interbank payment system in Claim 7, wherein the Client (1) also includes a login module (15), and the login module (15) is used to, according to the user, the login information is logged in to the interbank payment server (2).
[Claim 9] 9. According to the interbank payment system in Claim 7, wherein the preset designated account is used to provide the payment service through the interbank payment server (2) and the payment amount;
The payment module (14) is also sued to confirm the payment service with the designated account according to the frozen account funds.
[Claim 10] 10. According to the system in Claim 7, wherein the account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.