CN101515351A - Delay paying method and payment system - Google Patents
Delay paying method and payment system Download PDFInfo
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- CN101515351A CN101515351A CNA2009101290867A CN200910129086A CN101515351A CN 101515351 A CN101515351 A CN 101515351A CN A2009101290867 A CNA2009101290867 A CN A2009101290867A CN 200910129086 A CN200910129086 A CN 200910129086A CN 101515351 A CN101515351 A CN 101515351A
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Abstract
The invention provides a delay paying method and a payment system. The method includes steps that the payment system obtains identity identification and payment tool identification of businessman through terminal (such as card terminal, ATM machine (automatic teller machine) or POS machine (electronic charge system)) and payment tool (such as credit card, advance credit card, advance card, debit card, IC card or any payment car with delay payment characteristic); the payment system processes transaction of the businessman and client according to the businessman identity identification and payment tool identification; and the payment system transfers deal money from the payment tool to the businessman according to transaction delay. The delay paying method and the payment system provided by the present invention can pay cost of the businessman by payment system delay, and is safe and convenient.
Description
Technical field
The present invention relates to the processing technology field of electronic commerce data, particularly a kind of delay paying method and payment system.
Background technology
Electronics and network technology are more and more flourishing, people carry the mode that buckets of cash concludes the business can not satisfy the needs of people's transaction security and credit, the electronic payment mode that prior art provides comprises: use the means of payment (as credit card, prepaid credit card, prepaid card, debit card, IC-card or any Payment Card) with deferred payment feature bank by Electronic Transfer or by ATM/POS machine from the bank account consumption of transferring accounts, this mode need provide bank account, dangerous, program is loaded down with trivial details.
When the user consumes on guiding principle, use various types of means of payment often, because of the user just receives product or service after the payment earlier, be easy to like this be swindled.The client is after the payment of being everlasting, and exceed the time limit (specifying the delivery date) do not receive the service or the product of your patronage or purchase yet, and is difficult to demand reimbursement and reparations.Postpone mode of payment and not only help to eliminate the trust of swindling and setting up between businessman and the client.The method of deferred payment is concluded the business consumer and trade company and is reduced the chance of swindle on the platform of a justice and safety, when receive the product or the just payment of service of trade company because the client is guaranteed in deferred payment.
General online transaction system fails to handle margin trading transaction, but this system of seeing through, the client can utilize the present invention to pay guaranty money's problem and the method for commerce that the guaranty money is paid in processing with solution.
Summary of the invention
The invention provides a kind of delay paying method and payment system, the transaction fund of delaying to transfer, process of exchange safety and convenient.
The present invention is achieved by the following technical solutions:
A kind of delay paying method comprises step:
Payment system is obtained the identify label and the means of payment sign of trade company by the terminal and the means of payment; Payment system is according to the identify label of described trade company and described trade company of means of payment identification process and client's transaction deferment of fee;
Payment system delays from the described means of payment to transfer fund and the trade date and the time of transaction to described trade company according to described transaction.
Wherein: the processing of described transaction comprises all clients, collection and clearing wherein one, multinomial at least, even all.
A kind of payment system comprises:
The identity acquiring unit is used for obtaining the identify label of trade company and means of payment sign by the terminal and the means of payment;
The transaction processing unit is used for according to the identify label of described trade company and described trade company of means of payment identification process and client's transaction;
The fund unit of transferring is used for delaying from the described means of payment to the described trade company fund of transaction of transferring according to described transaction.
From technique scheme as can be seen, delay paying method provided by the invention and payment system, can make the client by the defer payment fund of trade company of payment system, this invention order transaction become safety and convenient, can prevent swindle on the guiding principle, also not need third party's payment system and make any deposit in advance.The present invention also can set up the trust between trade company and the client.
The present invention makes transaction become and does not need to do in advance any deposit because of the client safely and conveniently.The client need not worry that swindle guarantees because of deferred payment when the client receives the product or the just payment of service of trade company on the guiding principle.
All deferred payment methods and fine will be by banks, and the constraint rule and the regulations of a finance or a means of payment mechanism are as the criterion.
Description of drawings
The process flow diagram of Fig. 1, the electronic pay method that provides for the embodiment of the invention;
The structure principle chart of Fig. 2, the electronic payment system that provides for the embodiment of the invention;
The structure principle chart of Fig. 3, the means of payment (as the credit card) system that provides for the embodiment of the invention;
The structure principle chart of Fig. 4, the means of payment (as the registered permanent residence button account card) system that provides for the embodiment of the invention;
Fig. 5, the structure principle chart of on guiding principle, concluding the business that provides for the embodiment of the invention.
Embodiment
Technical scheme is for a better understanding of the present invention described embodiment provided by the invention in detail below in conjunction with accompanying drawing.
As shown in Figure 1, a kind of delay paying method that the embodiment of the invention provides comprises step:
101, payment system is obtained the identify label and the means of payment sign of trade company by the terminal and the means of payment;
This payment system is access, debit card system, prepaid system, IC-card system or any payment system (as online, mobile phone, the financing etc. of flowing).These means of payment are the instrument of deferring payment, and these means of payment obtain commodity and service, by online or off-line deferred payment.Artificial any trade company network/system of these means of payment or the trade company in service provider network/system, the means of payment company of certain bank paying tool network/system or certain financial institution, credit card company, prepaid card company, other type.This means of payment storage client's various information, as name, age, contact method and bloated family residue, the client supplements with money on payment system, saves, pays the bill by these means of payment or collects fund, and the client also can supplement with money to payment system by the terminating machine of swiping the card that trade company is provided with.Can be by being provided with on the terminal and supplementing with money in the Internet bar, the convenience store that extensively distribute.Also can carry out supplementing with money of bank transfer by network and mobile phone, telephone bank etc.Terminal is provided with the identification information of trade company, and as geographic position, code name etc., when the means of payment were operated on terminal, by off-line or online mode, payment system was obtained the identify label and the means of payment sign of trade company.
102, payment system is according to the identify label of described trade company and described trade company of means of payment identification process and client's transaction;
Trade company (as Internet bar, convenience store and market) reaches an agreement by terminal and payment system, is provided with agreement password etc., and carry out exchanges data with the payment networked system, and safety certification is set, and the account that this trade company is set on payment system.The client need be to the expense of trade company's payment consumption in when consumption, the client just with these means of payment on the terminal of trade company, after authenticating, the client reaches the expense of being consumed on the account of trade company by these means of payment.Be about to fund and transfer on the account of trade company,, therefore will can not collect interest deferred payment transactions because transaction is not settled accounts.But, a means of payment merchant, financial institution and the means of payment company as payment system will collect disposal cost.A means of payment people of the means of payment must hold means of payment people (being the client) to it in monthly report provide the deferred payment transactions situation.Report should be indicated deferred payment transactions, and should pay the bill specificly delay date and time.The processing of above-mentioned transaction comprises wherein one, multinomial that generates all clients, collection and clearing at least, even all.
103, payment system is delayed from the described means of payment to the described trade company fund of transaction of transferring according to described transaction.
After client's consumption, the fund that payment system is transferred on the account of this trade company in Preset Time and concluded the business.Perhaps work as the client and receive kinds of goods commodity or service, check the fund of transferring and concluding the business to described trade company by described means of payment notice payment system again after kinds of goods commodity or the service.
The foregoing description can be used as trade company or service supplier when belonging to certain trade company or service provider network/system, utilizes above-mentionedly as payment system this deferred payment transactions to be handled.
When the foregoing description can be used as the commodity of trade company or member that the service supplier is not above-mentioned trade company or service provider network, utilize and above-mentionedly this deferred payment transactions is handled as payment system.
The system that pays that the foregoing description provides can once carry out transferring of the many batches of funds of concluding the business.
In the above-described embodiments, can be after date of setting and time (as after three days), described payment system is returned described expense to described trade company again, to improve the security of transaction.
The embodiment of the invention also provides a kind of payment system, as shown in Figure 2, comprising:
Identity acquiring unit 201 is used for obtaining the identify label of trade company and means of payment sign by terminating machine;
Transaction processing unit 202 is used for according to the identify label of described trade company and described trade company of means of payment identification process and client's transaction;
The fund unit 203 of transferring is used for delaying from the described means of payment to the described trade company fund of transaction of transferring according to described transaction.
An embodiment who specifically is applied in the means of payment (as the credit card) system as the foregoing description comprises step:
301, hold the means of payment (as credit card) people (that is: client) request and buy commodity or service from trade company or service provider (that is: trade company) there.
302, trade company submit to hold means of payment people receive the product of buying or service delay date and time
303, hold date and the time that means of payment people agreement is delayed, and request is bought commodity or service there from trade company.
304, trade company submits request to assignee (bank that under a means of payment people help the means of payment (as the credit card) transaction of trade company is handled and settled accounts), and settlement of transactions and the date of payment and the time of delaying date and time.
305, the assignee sends the authorization requests of a real-time deal to sending out a means of payment people, and delay date and time delay settlement of transactions and the date of payment and time.
If 306 exist effective credit item/debit, then send an authorization code to the assignee.
307, the assignee ratifies transaction, and delay date and time delay settlement of transactions and the date of payment and time.
308, holder or hold means of payment people and receive product or service on date of delaying and time.
309, the approved sale of whole day is left in one group in trade company, this group comprise that deferred payment transactions sells batch in.When trade company finished on the same day, give the assignee, comprise the payment that deferred payment transactions is sold, thereby delay the date of payment or the time receives payment specific with reception with wholesale.When trade company can finish the same day, give the assignee with wholesale, trade company also can be in real time gives the assignee with the sale of each approval is in real time wholesale.
310, the sale of one group of approved sale or each approval is criticized by blocking network/means of payment network transmission in real time, so that the request ard issuers/send out means of payment people to pay the bill.
311, card network/payment network is distributed to each transaction relevant ard issuers or is sent out means of payment people.
312, an ard issuers or a means of payment people will determine payment transaction to default date and time, but client's bill can show the payment transaction of delaying.
313, ard issuers or send out default date and the time that means of payment people is delaying, deduct from the payment transaction volume of delaying that (trade company is to card ard issuers/send out a kind of expense of the means of payment and card network/payment network payment, and it is a kind of means of payment (as credit card) acceptance commissions with its interchange fee of blocking that network/payment network shares.It is generally 1% to 3%), and produce this amount of money.
314, card network/payment network sends to the assignee with this amount of money.
315, the assignee deducts its discount rate (discount rate is: pay assignee's disposal cost by trade company, be used for the cost of the payment processes means of payment (as credit card).), pay trade company with remaining sum then.
316, the means of payment (as credit card) are delayed the date of payment and time payment default.
Specifically be applied in embodiment in the means of payment (as the registered permanent residence button account card) system as another of the foregoing description, comprise step:
401, hold the means of payment (as registered permanent residence button account card) people (that is: client) request and buy commodity or service there from trade company.
402, trade company submits the date or time of a delay to, holds means of payment people and will receive commodity or the service of being bought in the date and the time of this delay.
403, hold means of payment people and agree this default date and time that postpones, and necessary informations such as date by on terminal or online terminal, submitting card number and PIN and delay to and time, request is bought from trade company there.
404, terminal or online terminal are submitted request to host-processor, and host-processor sends bank from transaction request to holder or card sending mechanism, and provides settlement of transactions and the payment that postpones in date and time.
405. hold means of payment people's bank or send out means of payment mechanism agreement transaction request.
406, host-processor is carried out from holding the electronic funds transfer of means of payment people bank account to the host-processor account.
407, after fund is changed over to the bank account of host-processor, processor sends an authorization code to terminal or online terminal immediately, instant authorized transactions, and the date from delay to the time retardation of the merchant account distribution of fund and the time that arrive.
408. in default date and the time that postpones, the client receives that institute purchases the merchant and buys product or service.
409, in default date and the time that postpones, host-processor is deducted its (exchange) expense, with the fund of holding means of payment people from the sales volume of the transaction of deferring payment ACH (" ACH " is writing a Chinese character in simplified form of " automatic clearing house ".This bank's term is meant that certain individual or the mandate another one people of enterprise or enterprise withdraw deposit on certain account.This is very common concerning the fitness center that need draw the monthly Membership Fee of button on member's account automatically and other enterprise, and a lot of small enterprises also utilize ACH to pay the direct deposit of firewood check.) in the account of trade company.
Specifically be applied in the embodiment that concludes the business on the guiding principle as another of the foregoing description, comprise step:
501, hold means of payment people (that is: client) request from trade company's there on-line purchase commodity or service.
502, trade company submits a default date and a time that postpones to, holds means of payment people and will receive commodity or the service of being bought at this moment.
503, hold date and the time that means of payment people agrees this delay, and by sending out necessary informations such as submitting the means of payment number and PIN on the payment page of means of payment system to, and the delay date and the time of handling transaction, request is bought from trade company there.
504, data are sent to the means of payment system of sending out so that authorize real-time deal, and the clearing that will conclude the business and payment time postpone till the date and the time of reaching of delay.
505, send out means of payment systems inspection and whether have effective fund.
506, send out means of payment system and send an authorization code, confirm to have effective fund to trade company, authorized transactions, and the clearing that will conclude the business and the date of payment and time postpone till the date and the time of delay.
507, hold means of payment people and receive commodity or service in the date and the time that postpone.
508,, send out means of payment system its service charge is deducted from the sales volume of the transaction of deferring payment, and pay trade company remaining sum in the specific date and the time that postpone.
More than a kind of delay paying method and payment system that the embodiment of the invention provided are described in detail, for one of ordinary skill in the art, thought according to the embodiment of the invention, part in specific embodiments and applications all can change, in sum, this description should not be construed as limitation of the present invention.
Claims (6)
1, a kind of delay paying method is characterized in that, comprises step:
Payment system is obtained the identify label and the means of payment sign of trade company by the terminal and the means of payment;
Payment system is according to the identify label of described trade company and described trade company of means of payment identification process and client's transaction deferment of fee;
Payment system delays from the described means of payment to transfer fund and the trade date and the time of transaction to described trade company according to described transaction.
2, delay paying method according to claim 1 is characterized in that comprise step: the processing of described transaction comprises all clients, collection and clearing wherein one, multinomial at least, even all.
3, delay paying method according to claim 1 is characterized in that, described payment system is once carried out transferring of many batches of transaction funds.
4, a kind of payment system is characterized in that, comprising:
The identity acquiring unit is used for obtaining the identify label of trade company and means of payment sign by the terminal and the means of payment;
The transaction processing unit is used for according to the identify label of described trade company and described trade company of means of payment identification process and client's transaction deferment of fee;
The fund unit of transferring is used for delaying from the described means of payment to the described trade company fund of transaction of transferring according to described transaction.
5, a kind of payment system is characterized in that, comprising:
Under trade company and client both sides' agreement, deferred payment will be predeterminable be any time (as Year/Month/Day/time/minute/second).
6, a kind of payment system is characterized in that, comprising:
The client can select to make payment beforehand before specifying extension of time for payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009101290867A CN101515351A (en) | 2009-03-18 | 2009-03-18 | Delay paying method and payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009101290867A CN101515351A (en) | 2009-03-18 | 2009-03-18 | Delay paying method and payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101515351A true CN101515351A (en) | 2009-08-26 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2009101290867A Pending CN101515351A (en) | 2009-03-18 | 2009-03-18 | Delay paying method and payment system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104331798A (en) * | 2014-10-23 | 2015-02-04 | 杨方东 | Account operation control method |
| CN105654269A (en) * | 2014-11-12 | 2016-06-08 | 阿里巴巴集团控股有限公司 | Characteristic date data node configuration method and device |
| WO2017012012A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic-certificate extension period method and device |
| CN107480905A (en) * | 2017-08-25 | 2017-12-15 | 合肥明信软件技术有限公司 | A kind of coal online transaction platform and its application method |
| CN108346042A (en) * | 2018-01-22 | 2018-07-31 | 西安艾润物联网技术服务有限责任公司 | fare paying method, device, terminal and computer readable storage medium |
| CN109377346A (en) * | 2018-09-21 | 2019-02-22 | 深圳市买买提信息科技有限公司 | One kind is made loans method and system |
-
2009
- 2009-03-18 CN CNA2009101290867A patent/CN101515351A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104331798A (en) * | 2014-10-23 | 2015-02-04 | 杨方东 | Account operation control method |
| CN105654269A (en) * | 2014-11-12 | 2016-06-08 | 阿里巴巴集团控股有限公司 | Characteristic date data node configuration method and device |
| WO2017012012A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic-certificate extension period method and device |
| CN107480905A (en) * | 2017-08-25 | 2017-12-15 | 合肥明信软件技术有限公司 | A kind of coal online transaction platform and its application method |
| CN108346042A (en) * | 2018-01-22 | 2018-07-31 | 西安艾润物联网技术服务有限责任公司 | fare paying method, device, terminal and computer readable storage medium |
| CN108346042B (en) * | 2018-01-22 | 2021-11-09 | 西安艾润物联网技术服务有限责任公司 | Vehicle fee payment method, device, terminal and computer readable storage medium |
| CN113762950A (en) * | 2018-01-22 | 2021-12-07 | 西安艾润物联网技术服务有限责任公司 | Vehicle fee payment method, device, terminal and computer readable storage medium |
| CN113781672A (en) * | 2018-01-22 | 2021-12-10 | 西安艾润物联网技术服务有限责任公司 | Vehicle fee payment method, device, terminal and computer readable storage medium |
| CN109377346A (en) * | 2018-09-21 | 2019-02-22 | 深圳市买买提信息科技有限公司 | One kind is made loans method and system |
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Open date: 20090826 |