CN101017586A

CN101017586A - Method for customer self-defined combined authorization payment

Info

Publication number: CN101017586A
Application number: CNA2006100034893A
Authority: CN
Inventors: 刘明晶; 王培棣
Original assignee: Individual
Current assignee: Liu Mingjing
Priority date: 2006-02-10
Filing date: 2006-02-10
Publication date: 2007-08-15

Abstract

This invention discloses one method to get preset authorization right before account payment, which adds one new payment test actions on current bank system and provides better protection and control account funds safety for bank customer, wherein, the bank customer transfers the funds control condition through preset funds and to process the real payment operations of the authorization person in the practical funds transferring.

Description

Method for customer self-defined combined authorization payment

The present invention discloses a kind of method for customer self-defined combined authorization payment.

In the time of need paying by existing bank client, all need by designing fixed payment cipher in advance, perhaps by verifying the seal demonstration validation of registration in advance, the present bill payment process of bank has all only provided single verification mode, just remains basically in traditional paper mode transitions to be the electronization operation.Realize and many people to authorize in the time of to pay demand that the bank paying licensing mode just can not provide corresponding service now.From Chinese patent database, retrieve, do not see the patent that the method for customer self-defined combined authorization payment aspect is arranged.

The objective of the invention is to expand existing payment authorization mode, and a kind of method for customer self-defined combined authorization payment of design, this method is to be based upon on the modern communication systems basis.

Modular structure block diagram of the present invention is seen Fig. 1, realizes by the following technical solutions:

A. apply for and revise empowerment management: mainly finish initial application of client and modification;

B. the self-defined authorization rule of client management: provide client oneself to increase, subtract and revises and make up authorization function;

C. licensing process management: the authorization rule according to client definition is asked client authorization;

The fundamental that combination is authorized can be selected according to actual needs:

A. beneficiary account number;

B. the amount of money;

C. time limit;

D. the people that obtains the authorization combination, personnel's combination, sequencing and any combination etc. in several, certain payment terms requires to obtain wherein some or several people donor authorizes just and can carry out, licensing process can be to carry out simultaneously, just require the someone to authorize simultaneously,, perhaps authorize in order etc.

Workflow:

The main operational scheme of this system comprises:

A. apply for and revise mandate: the relevant formality that can operate account when the client provides and opens an account, handle initial application and revise basic combination authorization rule to bank, the acceptable mode can be thought by password envelope or other both sides by bank, send donor's electronization certificate of authority to the associated authorization people, will authorize strictly all rules to offer the client simultaneously;

B. the client can make up according to the needs of oneself and authorize downward new combination mandate after having applied for initial combination authorization service function, needs licensing process similar before this new combination licensing process and the payment;

C. Trading Authorization process, the customer account process of exchange of kernel business of bank system must carry out corresponding modification, be exactly when whether checking customer account number and password be correct, need by this combination authorization verification process, promptly the terms of trade of sending according to the client make up the check of authorization rule, as long as meet one of them payment combination condition, then must go to require the donor to send corresponding mandate, otherwise transaction can't normally be carried out.

The authorization technique implementation example.

The mobile phone mandate, as:

Implementation example one, when needing in the account trading to obtain to specify donor's mandate, can send Payment Request by Mobile banking instructs on donor's mobile phone, send to the relevant information of this Payment Request on donor's the mobile phone by note, if the donor agrees this transaction, then directly need to reply the code and the licencing key of an agreement.

Implementation example two, when needing in the account trading to obtain to specify donor's mandate, can be by sending on the mobile phone of a URL to the donor, the donor only need confirm promptly to enter authorization page, can see the relevant information of this Payment Request, if the donor agrees this transaction, then directly need to reply the code and the licencing key of an agreement.

Network authorization, as

Implementation example three, when needing in the account trading to obtain to specify donor's mandate, the donor can enter in the Internet bank of the account, enter and treat authorization page, can see the relevant information of this Payment Request, if the donor agrees this transaction, then directly need to reply the code and the licencing key of an agreement.

Applicating example.

The business account management, as:

Applicating example one, when an enterprise need employ fund in the account, usually all need to obtain to specify donor's approval just can employ, enterprise is when opening an account, just can determine some primitive rules of employing fund, and the agreement authorized bank that these rules are passed through in advance manages, and when actual needs was employed corresponding fund, then the system that is realized by this method provided the proper account monitor service automatically;

Applicating example two, in non-transaction Face to face, the seller worries not pay the bill after the buyer receives goods, and the buyer worries can't guarantee that the other side on time, deliver goods by matter after the payment, this is that both sides can define an occasional combination authority to pay pattern, be that paying party at first is provided with a pre-authorization payment mode, be about to the freezing of funds of predetermined dollar value.And deliver goods side is set to corresponding provisional payment donor, when goods is delivered to, the consignee examine goods by after, the sender sends payment authorization, then requires the consignee to send payment authorization.

The family account management, as:

Applicating example three, family can offer a public account and manage, and when the bigger amount of money need be paid, authorizes by requiring other members of family, can avoid some reasonless wholesale payment behaviors.

Applicating example four, when children in school between last term, father and mother are on the one hand to satisfying children in the requirement aspect the money, need again on the other hand to a certain degree monitoring, the authority to pay service of carefully closing that can provide by the system that realizes based on this method are provided in its spending.

Claims

1, method for customer self-defined combined authorization payment, it is characterized in that described method is when the fund expenditure condition in the client appointed bank account meets predetermined treaty conditions, to pay according to the method that the mandate that must at first obtain to specify the donor just can be carried out actual delivery, it comprises following method:

(1) bank client is by any bank transaction channel, for example Web bank, telephone bank, mobile banking, bank counter etc. are withdrawn the money, are transferred accounts or when paying, when the amount of money, fund or beneficiary meet the account during predetermined conditions, whether this expenditure of systems inspection obtains the authorization;

(2) if this expenditure transaction has obtained pre-authorization, then directly finish the operation of client's appointment;

(3) if do not obtain pre-authorization, then system will send authorization requests to the donor according to predetermined definition;

(4) up to obtaining the operation of just concluding the business accordingly of predetermined authorising conditional;

2, method for customer self-defined combined authorization payment according to claim 1 is characterized in that comprising by preestablishing the payment that the payment terms realize safety:

(1) transaction surpasses predetermined dollar value in single or cumulative time, needs to obtain to specify the donor to agree;

(2) the different amount of money can be specified different donors;

(3) many people donor's licensing process can be appointed as order, promptly according to predefined procedure notified on authorization people, and is after authorize the front, reinforms next donor and authorizes;

(4) a plurality of donors' licensing process can be appointed as simultaneously and select, and promptly notifies all donors simultaneously;

(5) authorize silent approvement or rejection, among a plurality of appointment donors, can specify any several mandates wherein to get final product, other do not send the rejection instruction, are considered as silent approvement;

3, the self-defined authorized combination method of payment of client according to claim 1 can adopt the pre-authorization method to carry out, authorized order can send before the payment instruction of reality in advance, associated authorization people can be according to predetermined dollar value, time limit and number of the account etc. are sent mandate in advance, when the payment transaction request mandate, system treats as mandate in advance to authorize automatically and passes through.

4, method for customer self-defined combined authorization payment client's according to claim 1 authority to pay condition can replenish and revise according to predefined condition, obtains predefined starting condition but revise and replenish to meet:

(1) client can define the relative less payment authorization combination of the amount of money, scope and a term of validity at bank's definition payment authorization of putting on record in advance, gives new donor;

(2) people donors can be provisional or for a long time oneself authorising conditional be transferred to other people.