CA2993677C - Interbank payment system and interbank payment method - Google Patents
Interbank payment system and interbank payment method Download PDFInfo
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- CA2993677C CA2993677C CA2993677A CA2993677A CA2993677C CA 2993677 C CA2993677 C CA 2993677C CA 2993677 A CA2993677 A CA 2993677A CA 2993677 A CA2993677 A CA 2993677A CA 2993677 C CA2993677 C CA 2993677C
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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 People's Bank of China (PBC) has decided to establish an inter-bank liquidation system for online payment.
131 The online payment interbank settlement system is a Renminbi (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 S1 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;
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 People's Bank of China (PBC) has decided to establish an inter-bank liquidation system for online payment.
131 The online payment interbank settlement system is a Renminbi (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 S1 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;
3 [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
[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
4 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 I
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 1 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 China Construction Bank (CCB) card number and the landing password, the China Merchants Bank (CMB) card number and the landing password, the Industrial and Commercial Bank of China (ICBC) card number and the landing password.
[60] [Table 1]
User login Account holder Issuer Bank card 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 V1000 200 Yuan / month CMB XXXX Y2000 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] SS. 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 I 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.
[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 I
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 1 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 China Construction Bank (CCB) card number and the landing password, the China Merchants Bank (CMB) card number and the landing password, the Industrial and Commercial Bank of China (ICBC) card number and the landing password.
[60] [Table 1]
User login Account holder Issuer Bank card 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 V1000 200 Yuan / month CMB XXXX Y2000 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] SS. 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 I 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 (85)
1. An online interbank payment system, comprising:
a client's terminal provided with user login information for an interbank payment system for a client;
an interbank payment server having a plurality of account fund information for a plurality of accounts of the client at a plurality of banks, wherein the client delivers a payment request to the interbank payment system through the client's terminal; and a plurality of card issuing terminals;
wherein the system further includes a pre-set designated account, the pre-set designated account is configured to:
provide payment service through the interbank payment server and provide a payment amount;
wherein the client is provided with the account funds information of any of the plurality of accounts having account funds greater than or equal to the payment amount by the interbank payment server and the client chooses one of the plurality of accounts to complete the payment through the interbank payment server based on the account funds information; and wherein the interbank payment system provides payment outside of banking systems of the plurality of banks.
a client's terminal provided with user login information for an interbank payment system for a client;
an interbank payment server having a plurality of account fund information for a plurality of accounts of the client at a plurality of banks, wherein the client delivers a payment request to the interbank payment system through the client's terminal; and a plurality of card issuing terminals;
wherein the system further includes a pre-set designated account, the pre-set designated account is configured to:
provide payment service through the interbank payment server and provide a payment amount;
wherein the client is provided with the account funds information of any of the plurality of accounts having account funds greater than or equal to the payment amount by the interbank payment server and the client chooses one of the plurality of accounts to complete the payment through the interbank payment server based on the account funds information; and wherein the interbank payment system provides payment outside of banking systems of the plurality of banks.
2. The system of claim 1, wherein the client's terminal provided with user login information is communicatively connected to the interbank payment server via the Internet.
3. The system of claim 1, wherein the card issuing terminal is communicatively connected to the interbank payment server.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
4. The system of claim 1, wherein the plurality of card issuing terminals arranged in a plurality of different card issuing banks.
5. The system of claim 1, wherein the pre-set designated account is allowed to log in to the interbank payment server with a pre-set designated default account to provide the payment service and the payment amount.
6. The system of any one of claims 1 to 5, wherein the client's terminal is configured as a mobile terminal.
7. The system of any one of claims 1 to 5, wherein the client's terminal is configured as a fixed computer device.
8. The system of any one of claims 1 to 7, wherein the client's terminal is configured to install the corresponding software on the mobile terminal or the computer device to communicate with the interbank payment server.
9. The system of any one of claims 1 to 8, wherein if the client's terminal is a mobile terminal, then it is connected to the interbank payment server via a wireless network connection.
10. The system of any one of claims 1 to 9, wherein if the client's terminal is a fixed computer device, then it is connected to the interbank payment server via the Internet.
11. The system of any one of claims 1 to 10, wherein the card issuing terminal is installed in the bank backstage server and connected with the interbank payment server through the Internet to read the account fund data, but there is no financial flow between the interbank payment server and the card issuing terminal.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
12. The system of any one of claims 1 to 11, wherein the user login information is the login information for login to the interbank payment server through the client's terminal.
13. The system of any one of claims 1 to 12, wherein the user with the user login information inputs the bank card number and password of different banks and different account holders in the interbank payment server and binds the bank account information entered with the user login information allows the user to operate multiple bank card funds accounts.
14. The system of claim 13, wherein the bank card number and password include user's own bank card number and password.
15. The system of claim 13, wherein the bank card number and password include another user's own bank card number and password.
16. The system of claim 13, wherein the multiple bank card funds accounts includes user's own bank card funds accounts and another user's bank card funds accounts.
17. The system of any one of claims 1 to 16, wherein the user pays for a payment amount from the designated account among a plurality of bank account of a plurality of different issue cards.
18. The system of any one of claims 1 to 17, wherein the user holds the advance payment of a certain amount without the recipient of the money, so that the user can look for the designated account to receive this amount of cash on the premise that he plans to pay the amount.
19. The system of claim 18, wherein the advance payment of a certain amount includes a payment of utility bill.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
20. The system of any one of claims 1 to 19, wherein the payment request further includes a payment requirement met by the card issuing bank.
21. The system of any one of claims 1 to 20, wherein the payment request includes an inter-border payment when the card issuing bank supports inter-border payments or transfers.
22. The system of any one of claims 1 to 21, wherein the pre-set designated account is allowed to log in to the interbank payment server with a pre-set designated default account to provide the payment service and the payment amount.
23. An online interbank payment method, comprising:
entering a plurality of bank account information of a plurality of different issue cards from a client's terminal, binding a bank account information with user login information, and binding a user account with the user login information of the bank account information to an interbank payment server;
acquiring corresponding multiple account funds information from the multiple card issuers according to the bank account information;
delivering a payment request including a payment service and a payment amount to the interbank payment server;
detecting multiple account fund information that matches the payment amount as stated in the multiple account fund information obtained from the payment request and deliver the matched multiple account funds information to the client's terminal;
selecting one of the account funds information from the matched multiple account fund information provided by the interbank payment server based on the payment amount;
Date Recue/Date Received 2020-04-10 delivering payment confirmation information to a card issuing terminal corresponding to the selected account fund information according to the account fund information selected by the client's terminal; and freezing the account funds corresponding to the bank account information according to the payment confirmation information and unfreeze the account funds according to the payment service so as to pay a pre-set designated account with the account funds;
wherein the account funds of the plurality of account funds information matching the payment service are all greater than or equal to the payment amount.
entering a plurality of bank account information of a plurality of different issue cards from a client's terminal, binding a bank account information with user login information, and binding a user account with the user login information of the bank account information to an interbank payment server;
acquiring corresponding multiple account funds information from the multiple card issuers according to the bank account information;
delivering a payment request including a payment service and a payment amount to the interbank payment server;
detecting multiple account fund information that matches the payment amount as stated in the multiple account fund information obtained from the payment request and deliver the matched multiple account funds information to the client's terminal;
selecting one of the account funds information from the matched multiple account fund information provided by the interbank payment server based on the payment amount;
Date Recue/Date Received 2020-04-10 delivering payment confirmation information to a card issuing terminal corresponding to the selected account fund information according to the account fund information selected by the client's terminal; and freezing the account funds corresponding to the bank account information according to the payment confirmation information and unfreeze the account funds according to the payment service so as to pay a pre-set designated account with the account funds;
wherein the account funds of the plurality of account funds information matching the payment service are all greater than or equal to the payment amount.
24. The method of claim 23, wherein the method of entering a plurality of bank account information of a plurality of different issue cards from the client's terminal, binding the bank account information with the user login information, and binding the user account with the user login information of the bank account information to the interbank payment server further including:
logging in to the interbank payment server according to the user login information;
inputting a plurality of bank account information of a plurality of different issuing cards;
binding the bank account information with the user login information; and delivering the bank account information bound with the user login information to the interbank payment server.
logging in to the interbank payment server according to the user login information;
inputting a plurality of bank account information of a plurality of different issuing cards;
binding the bank account information with the user login information; and delivering the bank account information bound with the user login information to the interbank payment server.
25. The method of claim 24, wherein the method of binding the bank account information with the user login information includes:
binding the user's own bank account information; and Date Recue/Date Received 2020-04-10 binding another user's bank account infonnation.
binding the user's own bank account information; and Date Recue/Date Received 2020-04-10 binding another user's bank account infonnation.
26. The method of claim 23, wherein the method of delivering the payment request including the payment service and the payment amount to the interbank payment server further including:
providing payment service and the payment amount to the client's terminal through the interbank payment server;
acquiring the payment service provided by the designated account and the payment amount from the interbank payment server; and selecting the payment service and the payment amount and fonning the payment request for the selected payment service and the payment amount and delivering the payment request to the interbank payment server.
providing payment service and the payment amount to the client's terminal through the interbank payment server;
acquiring the payment service provided by the designated account and the payment amount from the interbank payment server; and selecting the payment service and the payment amount and fonning the payment request for the selected payment service and the payment amount and delivering the payment request to the interbank payment server.
27. The method of claim 26, wherein the designated account is configured as a commodity seller's receiving bank account.
28. The method of claim 27, wherein the commodity seller issues his own account through the login interbank payment server payment business and the amount of payment.
29. The method of any one of 26 to 28, wherein the payment service includes commodity attributes information, seller's receiving bank account.
30. The method of claim 23, wherein the method of detecting 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 delivering the matched multiple account funds information to the client's terminal, 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.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
31. The method of claim 23, wherein the method of 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 so as to pay the pre-set designated account with the account funds further including:
freezing the account funds corresponding to the bank account infonnation according to the payment confirmation infonnation;
notifying the designated account to provide the payment service according to the frozen account funds; and unfreezing the account funds according to the payment service, thereby paying the pre-set designated account with the account funds.
freezing the account funds corresponding to the bank account infonnation according to the payment confirmation infonnation;
notifying the designated account to provide the payment service according to the frozen account funds; and unfreezing the account funds according to the payment service, thereby paying the pre-set designated account with the account funds.
32. The method of claim 31, wherein the method of notifying the designated account includes sending a short message.
33. The method of claim 31, wherein the method of notifying the designated account includes sending a notification message via the Internet.
34. The method of claim 31, wherein the frozen account funds is held and unavailable to be transferred temporarily during the confirmation process.
35. The method of claim 31, wherein the frozen account funds refer to losing the right to use temporary but having ownership and benefit(interests, proof of assets, capital verification).
36. The method of claim 31, wherein the method of notifying the designated account to provide the payment service according to the frozen account funds further includes:
Date Recue/Date Received 2020-04-10 confirming the payment service to the designated account according to the frozen account funds.
Date Recue/Date Received 2020-04-10 confirming the payment service to the designated account according to the frozen account funds.
37. The method of any one of claims 23 to 36, wherein the client's terminal is configured as a mobile terminal.
38. The method of any one of claims 23 to 36, wherein the client's terminal is configured as a fixed computer device.
39. The method of any one of claims 23 to 38, wherein the client's terminal is configured to install the corresponding software on the mobile terminal or the computer device to communicate with the interbank payment server.
40. The method of any one of claims 23 to 39, wherein if the client's terminal is a mobile terminal, then it is connected to the interbank payment server via a wireless network connection.
41. The method of any one of claims 23 to 40, wherein if the client's terminal is a fixed computer device, then it is connected to the interbank payment server via the Internet.
42. The method of any one of claims 23 to 41, wherein the card issuing terminal is installed in the bank backstage server and connected with the interbank payment server through the Internet to read the account fund data, but there is no financial flow between the interbank payment server and the card issuing terminal.
43. The method of any one of claims 23 to 42, wherein the user login information is the login information for login to the interbank payment server through the client's terminal.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
44. The method of any one of claims 23 to 43, wherein the user with the user login infonnation inputs the bank card number and password of different banks and different account holders in the interbank payment server and binds the bank account information entered with the user login information allows the user to operate multiple bank card funds accounts.
45. The method of claim 44, wherein the bank card number and password include user's own bank card number and password.
46. The method of claim 44, wherein the bank card number and password include another user's own bank card number and password.
47. The method of claim 44, wherein the multiple bank card funds accounts includes user's own bank card funds accounts and another user's bank card funds accounts.
48. The method of any one of claims 23 to 47, wherein the user pays for a payment amount from the designated account among a plurality of bank account of a plurality of different issue cards.
49. The method of any one of claims 23 to 48, wherein the user holds the advance payment of a certain amount without the recipient of the money, so that the user can look for the designated account to receive this amount of cash on the premise that he plans to pay the amount.
50. The method of claim 49, wherein the advance payment of a certain amount includes a payment of utility bill.
51. The method of any one of claims 23 to 50, wherein the payment request further includes a payment requirement met by the card issuing bank.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
52. The method of any one of claims 23 to 51, wherein the payment request includes an inter-border payment when the card issuing bank supports inter-border payments or transfers.
53. The method of any one of claims 23 to 52, wherein the pre-set designated account is allowed to log in to the interbank payment server with a pre-set designated default account to provide the payment service and the payment amount.
54. A client's terminal for use in online banking, comprising:
an input module;
a request module;
a selection module; and a payment module;
wherein the input module is configured to enter multiple bank account information from a client for multiple different card issuing banks, bind the bank account information with the user login information, and bind the user account with the user login information of the bank account infomiation to an interbank payment server;
wherein the request module is configured to deliver a payment request including a payment service and a payment amount to the interbank payment server;
wherein the selection module configured to select one of the account funds information from matched multiple account funds information, wherein the matched multiple account funds information is matched to the payment amount and received from the interbank payment server;
Date Recue/Date Received 2020-04-10 wherein the payment module configured to freeze the account funds corresponding to the bank account information according to the payment confirmation information and unfreeze the account funds according to the payment service thereby paying a pre-set designated account with the account funds;
wherein the payment module further configured to confimi the payment service with the designated account according to the frozen account funds;
wherein the client's tenninal further includes a login module, which configured to, log the user login infomiation into the interbank payment server according to the user.
an input module;
a request module;
a selection module; and a payment module;
wherein the input module is configured to enter multiple bank account information from a client for multiple different card issuing banks, bind the bank account information with the user login information, and bind the user account with the user login information of the bank account infomiation to an interbank payment server;
wherein the request module is configured to deliver a payment request including a payment service and a payment amount to the interbank payment server;
wherein the selection module configured to select one of the account funds information from matched multiple account funds information, wherein the matched multiple account funds information is matched to the payment amount and received from the interbank payment server;
Date Recue/Date Received 2020-04-10 wherein the payment module configured to freeze the account funds corresponding to the bank account information according to the payment confirmation information and unfreeze the account funds according to the payment service thereby paying a pre-set designated account with the account funds;
wherein the payment module further configured to confimi the payment service with the designated account according to the frozen account funds;
wherein the client's tenninal further includes a login module, which configured to, log the user login infomiation into the interbank payment server according to the user.
55. The terminal of claim 54, wherein the client's terminal is configured as a mobile terminal.
56. The terminal of any one of claims 54 to 55, wherein the client's terminal is configured as a fixed computer device.
57. The terminal of any one of claims 54 to 56, wherein the client's terminal is configured to install the corresponding software on the mobile terminal or the computer device to communicate with the interbank payment server.
58. The terminal of any one of claims 54 to 57, wherein if the client's terminal is a mobile terminal, then it is connected to the interbank payment server via a wireless network connection.
59. The terminal of any one of claims 54 to 58, wherein if the client's terminal is a fixed computer device, then it is connected to the interbank payment server via the Internet.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
60. The terminal of any one of claims 54 to 59, wherein the user login information is the login information for login to the interbank payment server through the client's terminal.
61. The terminal of any one of claims 54 to 60, wherein the user with the user login information inputs the bank card number and password of different banks and different account holders in the interbank payment server and binds the bank account information entered with the user login information allows the user to operate multiple bank card funds accounts.
62. The terminal of claim 61, wherein the bank card number and password include user's own bank card number and password.
63. The terminal of claim 61, wherein the bank card number and password include another user's own bank card number and password.
64. The terminal of claim 61, wherein the multiple bank card funds accounts includes user's own bank card funds accounts and another user's bank card funds accounts.
65. The terminal of any one of claims 54 to 64, wherein the user pays for a payment amount from the designated account among a plurality of bank account of a plurality of different issue cards.
66. The terminal of any one of claims 54 to 65, wherein the user holds the advance payment of a certain amount without the recipient of the money, so that the user can look for the designated account to receive this amount of cash on the premise that he plans to pay the amount.
67. The terminal of claim 66, wherein the advance payment of a certain amount includes a payment of utility bill.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
68. The terminal of any one of claims 54 to 67, wherein the payment request further includes a payment requirement met by the card issuing bank.
69. The terminal of any one of claims 54 to 68, wherein the payment request includes an inter-border payment when the card issuing bank supports inter-border payments or transfers.
70. The terminal of any one of claims 54 to 69, wherein the pre-set designated account is allowed to log in to the interbank payment server with a pre-set designated default account to provide the payment service and the payment amount.
71. The terminal of any one of claims 54 to 70, wherein the designated account is configured as a commodity seller's receiving bank account.
72. The terminal of claim 71, wherein the commodity seller issues his own account through the login interbank payment server payment business and the amount of payment.
73. The terminal of any one of claims 54 to 72, wherein the payment service includes commodity attributes information, seller's receiving bank account.
74. An online interbank payment server, comprising:
an acquisition module;
a detection module; and a confirmation module;
wherein the acquisition module configured to acquire corresponding multiple account funds information from the multiple card issuers according to the bank account information;
Date Recue/Date Received 2020-04-10 wherein the detection module configured 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 deliver the matched multiple account funds information to a client's terminal; and wherein the confirmation module configured to deliver payment confirmation information to a card issuing terminal corresponding to the selected account fund information according to the account fund information selected by the client's terminal;
wherein the account funds of the plurality of account funds information matching payment service are all greater than or equal to the payment amount.
an acquisition module;
a detection module; and a confirmation module;
wherein the acquisition module configured to acquire corresponding multiple account funds information from the multiple card issuers according to the bank account information;
Date Recue/Date Received 2020-04-10 wherein the detection module configured 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 deliver the matched multiple account funds information to a client's terminal; and wherein the confirmation module configured to deliver payment confirmation information to a card issuing terminal corresponding to the selected account fund information according to the account fund information selected by the client's terminal;
wherein the account funds of the plurality of account funds information matching payment service are all greater than or equal to the payment amount.
75. The server of claim 74, wherein the interbank payment server is communicatively connected to the card issuing terminal and the client's terminal.
76. The server of any one of claims 74 to 75, wherein the interbank payment server is configured to filter automatically bank cards whose account funds are larger than the payment amount for the user to choose to pay rather than having to log in to different bank websites one by one for searching.
77. The server of any one of claims 74 to 76, wherein the client's terminal is configured as a mobile terminal.
78. The server of any one of claims 74 to 76, wherein the client's terminal is configured as a fixed computer device.
79. The server of any one of claims 74 to 78, wherein the client's terminal is configured to install the corresponding software on the mobile terminal or the computer device to communicate with the interbank payment server.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
80. The server of any one of claims 74 to 79, wherein if the client's terminal is a mobile terminal, then it is connected to the interbank payment server via a wireless network connection.
81. The server of any one of claims 74 to 80, wherein if the client's terminal is a fixed computer device, then it is connected to the interbank payment server via the Internet.
82. The server of any one of claims 74 to 81, wherein the card issuing terminal is installed in the bank backstage server and connected with the interbank payment server through the Internet to read the account fund data, but there is no financial flow between the interbank payment server and the card issuing terminal.
83. The server of any one of claims 74 to 82, wherein the payment request further includes a payment requirement met by the card issuing bank.
84. The server of any one of claims 74 to 83, wherein the payment request includes an inter-border payment when the card issuing bank supports inter-border payments or transfers.
85. The server of any one of claims 74 to 84, wherein the payment service includes commodity attributes information, seller's receiving bank account.
Date Recue/Date Received 2020-04-10
Date Recue/Date Received 2020-04-10
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| CN111784331A (en) * | 2016-03-16 | 2020-10-16 | 阿里巴巴集团控股有限公司 | Method and device for realizing service between accounts in close range |
| CN105956840B (en) * | 2016-05-30 | 2020-02-07 | 广东电网有限责任公司 | Method and device for paying electric charge and bank-electricity networking system |
| CN114549156A (en) * | 2016-08-24 | 2022-05-27 | 创新先进技术有限公司 | Network resource transfer method, fund transfer method, repayment method and device |
| TWI660314B (en) * | 2017-07-06 | 2019-05-21 | 臺灣行動支付股份有限公司 | Payment method and system using mobile device |
| CN107451802B (en) * | 2017-08-11 | 2021-04-06 | 中国银行股份有限公司 | Method and device for transferring money and remitting money by internet bank |
| CN107545498A (en) * | 2017-08-24 | 2018-01-05 | 广州中道电子科技有限公司 | A kind of hair fastener method and system |
| CN108647944B (en) * | 2018-05-22 | 2021-10-12 | 创新先进技术有限公司 | Data processing method and device in online payment process |
| CN108846657B (en) * | 2018-05-28 | 2023-08-08 | 广州腾讯科技有限公司 | Electronic transfer method and related device |
| CN108921534A (en) * | 2018-07-06 | 2018-11-30 | 中国电力财务有限公司 | A kind of inter-bank method of payment and device |
| CN109670812A (en) * | 2018-09-11 | 2019-04-23 | 深圳平安财富宝投资咨询有限公司 | Method of payment, device, terminal and storage medium |
| CN109544135B (en) * | 2018-10-25 | 2022-08-30 | 北京三快在线科技有限公司 | Bank card binding method and device, storage medium and mobile terminal |
| CN109348512B (en) * | 2018-11-08 | 2022-01-25 | 中国联合网络通信集团有限公司 | Method and device for adjusting service usage and storage medium |
| CN111523870B (en) * | 2019-02-01 | 2023-05-02 | 阿里巴巴集团控股有限公司 | Order data processing method and device and computer equipment |
| CN110414962A (en) * | 2019-08-02 | 2019-11-05 | 东莞市大易产业链服务有限公司 | Inter-bank intelligence transfer account method, device, computer equipment and storage medium |
| CN111680995B (en) * | 2020-06-09 | 2023-09-19 | 青岛有容信息科技有限公司 | Payment chain construction method and device, computer equipment and readable storage medium |
| CN113112261A (en) * | 2021-05-17 | 2021-07-13 | 中国银行股份有限公司 | Multi-card processing method and system based on 5G message |
| CN115423521B (en) * | 2022-09-05 | 2023-08-04 | 深圳市一页科技有限公司 | Large-batch concurrent payment optimizing system and method thereof |
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| US8626653B1 (en) * | 2012-08-22 | 2014-01-07 | Mastercard International Incorporated | Methods and systems for processing electronic cross-border payments |
| CN102930469A (en) * | 2012-11-13 | 2013-02-13 | 中国民生银行股份有限公司 | Transfer data processing method and device |
| CN103578031A (en) * | 2013-11-14 | 2014-02-12 | 交通银行股份有限公司 | Quick transfer method and system |
| CN103839157A (en) * | 2014-02-25 | 2014-06-04 | 中国联合网络通信集团有限公司 | Electronic payment method, device and system |
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| WO2016019532A1 (en) | 2016-02-11 |
| CN104854604A (en) | 2015-08-19 |
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