CN101877091A - Finance payment system and application method thereof - Google Patents
Finance payment system and application method thereof Download PDFInfo
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- CN101877091A CN101877091A CN2010101492522A CN201010149252A CN101877091A CN 101877091 A CN101877091 A CN 101877091A CN 2010101492522 A CN2010101492522 A CN 2010101492522A CN 201010149252 A CN201010149252 A CN 201010149252A CN 101877091 A CN101877091 A CN 101877091A
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Abstract
The invention provides a finance payment system which is established on the basis of internet banking base platform. The finance payment system comprises a finance service module, a budget unit service module and a banking business processing module, wherein the finance service module is oriented to the finance and used for data entry and payment audit, the downloading and the querying of relevant data of banking finance account, the submitting and the signing of internet payment, the uploading of the internet payment limit of a budget unit and the downloading of banking finance payment audit data; the budget unit service module is oriented to the budget unit and used for data entry and payment audit as well as the submitting and the signing of authorized payment; and the banking business processing module is used for mass business processing, real-time business processing and system auditing. Compared with the prior art, the invention has the advantages that it is more convenient and efficient to transact the finance payment business, and a bank can efficiently supervise and control the finance payment to commodity and service suppliers or money spent units in real time.
Description
Technical field
The present invention relates to a kind of finance payment system and application process thereof, especially relate to a kind of finance payment system and application process thereof based on Web bank's basic platform.
Background technology
Web bank is a bank for the client provides the new tool of bank service, and it utilizes the Internet technology to provide comprehensive, unified, safe, real-time financial service for the client based on existing banking.Along with the development of Internet with popularize, Web bank becomes the focus that International Banks circle are paid close attention to rapidly as a kind of novel customer service mode.
Since 1999, the banks of China operational line has had significant development, and domestic Web bank also begins to show blank at present after exploration in a few years, and each tame bank has all released the Web bank's product of oneself one after another.China Merchants Bank is after abundant pilot, and formally having released quite has the online service of " multifunctional network " of characteristics; China Merchants Bank mainly contains family finance, on-line payment, account query, shopping online and payment etc. to personal user's business on the net; Have account query, payment account transfer, payroll credit and bank information service etc. in the service for corporate customers.The National Industrial and Commercial Bank of China is the breach with large-scale group customer financing with B to B on-line payment especially, and the network support that spreads all over the country is provided for enterprise's on line financing.Agricultural bank is a common customer, the individual client, and corporate client provides different types of Web bank service kind respectively.Bank of Communications has at first released feature richness at the demand of corporate client, especially at group customer public network is gone to bank, has released subsequently and has the foreign exchange treasured, the individual Web bank service system of characteristic services such as fund business.
We can see for example from top, each tame bank all the development of Web bank and marketing as improving the bank service level, strive for client's important process, and in the service kind of constantly strengthening and improve Web bank, release new business.
The Ministry of Finance just carried out groping and studying of treasury management system reform since 2000, treasury management system is reformed to the effect that: set up national treasury single account system, all financial funds are all included national treasury single account system management in, income is directly turned in to national treasury or special financial account, and expenditure is paid commodity and the labor service supplier or the unit of spending money by national treasury single account system.
Under the single account system of national treasury, the finance department is except that in operating management portion of People's Bank of China or act on behalf of Zhi Ku and offer the single account of national treasury, also offer extrabudgetary fund special financial account, financial zero-balance account, offer a unit zero-balance account in commercial bank for each budget entity simultaneously in commercial bank.
The finance department not only needs by the bank capital direct payment, and more needs bank that budget entity is carried out quota control, realizes the fund authority to pay; Obtain the account information of budget entity simultaneously from bank, can real-time and effective supervise, control.And there is not the system that can support the finance payment in existing Web bank, and the user need arrive the working point of each bank and pay, and efficient is lower, and bank also is not easy to the finance payment that each user was supervised, controlled to real-time and effective.
Summary of the invention
At the deficiencies in the prior art, the technical matters that the present invention solves provides a kind of finance payment system and application process thereof based on Web bank's basic platform, manages and implement financial payment transaction by the internet channel.
Purpose of the present invention realizes by following technical scheme is provided:
A kind of finance payment system, based on setting up on Web bank's basic platform, wherein, described finance payment system comprises:
Towards finance, be used for data typing and payment audit, bank's finance account relevant data is downloaded, inquiry, the submission of online payment, signature, budget entity online payment limit is uploaded, the financial service module that bank's finance payment clearance data are downloaded;
Towards budget entity, be used for data typing and payment audit, the budget entity service module of the submission of authority to pay, signature;
Be used for batch service and handle, real time business is handled, the banking processing module of system's accounting checking.
Purpose of the present invention can also realize by following application process:
A kind of application process of finance payment system is used to carry out financial direct payment, wherein, may further comprise the steps:
The first step, by the typing operator of the finance department on the net bank finance service module finish the data typing process of financial payment transaction;
Second step, check the operator by the finance department and in financial service module, finish to check and examine function;
Send payment instruction to the Web bank behind the 3rd step, the process signature and finish Payment Request.
A kind of application process of finance payment system is used to carry out financial authority to pay, wherein, may further comprise the steps:
At first, the finance department sends to agent bank with the mandate amount in the financial authority to pay request, is kept in the system of agent bank;
Secondly, budget entity carries out financial authority to pay request as required, examines and finish Payment Request by bank according to the mandate amount;
At last, agent bank is responsible for the execution of payment instruction and the reconciliation process of each side.
Further, described application process specifically may further comprise the steps:
The first step, the finance department will authorize amount to send to the Web bank of agent bank by financial service module;
Second goes on foot, is finished in the budget entity service module by the keyboarder of budget entity the data typing process of payment instruction;
The 3rd goes on foot, is finished in the budget entity service module by the auditor of budget entity the compound nucleus process of accountable warrant;
Send payment instruction to the Web bank behind the 4th step, the process signature;
The 5th step, whether the mandate amount that provides according to the finance department automatically of Web bank is examined accountable warrant in excess of the quota, if do not have in excess of the quotaly, carries out accountable warrant, simultaneously the mandate amount of corresponding this budget entity of minimizing.
A kind of application process of finance payment system is used to carry out finance and examines the budget entity payment, wherein, may further comprise the steps:
At first, budget entity is finished the data typing and operation is checked in inside budgetary;
Secondly finish the process of examining by the higher level finance department;
Finish the execution of payment instruction at last by bank.
Further, described application process specifically may further comprise the steps:
The first step, finish the data typing process of payment instruction again in the budget entity service module by the system Dan Yuan of budget entity;
Second goes on foot, is finished in the budget entity service module by the auditor of budget entity the compound nucleus process of payment instruction;
The 3rd the step, send payment instruction to the Web bank;
The 4th step, the finance person of examining logging in to online banks are finished examining for this instruction in financial service module;
If the 5th the step examine by, bank system of web is finished the execution of concrete payment.
Compared with prior art, the invention has the beneficial effects as follows: it is comparatively convenient to handle financial payment transaction, and efficient is higher, but and also real-time and effective supervision of bank, the financial Zhi Fuzhi commodity of control and the labor service supplier or the unit of spending money.
Description of drawings
The invention will be further described below in conjunction with accompanying drawing:
Fig. 1 is the system architecture synoptic diagram of best mode for carrying out the invention finance payment system.
Fig. 2 is the module map of best mode for carrying out the invention finance payment system.
Embodiment
Following with reference to description of drawings preferred forms of the present invention.
The finance payment to dissimilar expenditures, is divided into two kinds of modes of payments: financial direct payment and financial authority to pay according to different payment main bodys.
(1) financial direct payment
Open payment instruction by the finance department,, directly financial fund is paid payee's (being commodity and labor service supplier, down together) or the account of the unit of spending money by national treasury single account system.
(2) financial authority to pay
Budget entity is authorized according to finance, opens payment instruction voluntarily, by national treasury single account system payment funding is arrived account payee.The expenditure of carrying out financial authority to pay comprises purchase expenditure and the fragmentary expenditure of carrying out financial direct payment.
The agent bank that is engaged in the finance payment couples together the finance department and budget entity as a channel of disbursement, as shown in Figure 1, finance payment transaction is divided into two kinds of direct payment and authority to pays, wherein, direct payment promptly is that the finance department finishes financial direct payment flow process by agent bank.Authority to pay is then at first, and the finance department sends to agent bank with the mandate amount in the financial authority to pay request, is kept in the system of agent bank; Secondly, budget entity carries out financial authority to pay request as required, examines and finish Payment Request by bank according to the mandate amount; At last, agent bank is responsible for the execution of payment instruction and the reconciliation process of each side.
As shown in Figure 2, finance payment system of the present invention is based upon on Web bank's basic platform, provides the processing of aspects such as user, authority, authentication by the unification of Net silver platform, and this finance payment system only need realize that the business function module of being correlated with gets final product.
Finance payment system comprises financial service module towards finance, towards the budget entity service module and the banking processing module of budget entity.Wherein:
(1) financial service module
The finance service module is the function that provides towards the finance department, comprises the lower class content:
1.1 data typing and payment audit
The operating personnel of the Bureau of Finance are the data and the payment instruction of typing finance payment directly, and according to the difference of operator's authority, provides the processing capacities such as audit to logging data, instruction.
1.2 bank's finance account relevant data is downloaded, query function
The operating personnel of the Bureau of Finance can directly download and inquire those financial account's relevant datas of having done the administrative institution of registration on the net in the banking system.And data are organized and put in order, offer financial inner payment system.
1.3 the submission of online payment, signature function
Payment instruction through finance is confirmed need be submitted to Web bank, just can carry out bank and handle.The signature of the general certificate of necessity of submitting to Web bank of payment instruction is to guarantee the non-repudiation of this transaction.
1.4 budget entity online payment limit upload function
Under the mode of authority to pay, be the payment limit of confirming budget entity by the Bureau of Finance, and sending of concrete time of payment, payment and payment instruction all is to be finished voluntarily by budget entity.This function is exactly that the payment limit of budget entity that finance is determined uploads to agent bank, is finished the validity check of budget entity payment instruction by agent bank.
1.5 the download of bank's finance payment clearance data
The finance payment will be carried out necessary accounting checking, data audit at set intervals after clearance is finished, by downloading the finance payment clearance data of bank.Finance can be cleared data with these and be checked, and guarantees the complete of business.
(2) budget entity service module
The service that provides towards budget entity in finance payment system comprises the lower class content:
2.1 data typing and payment audit
The budget entity operating personnel can directly typing authority to pay data and authority to pay instruction, and, provide processing capacities such as audit to logging data, instruction according to the difference of operator's authority.
2.2 the submission of authority to pay, signature function
Authority to pay instruction through confirming need be submitted to Web bank, after banking system is authorized the inspection of amount, just can carry out bank and handle.The signature of the general certificate of necessity of submitting to Web bank of payment instruction is to guarantee the non-repudiation of this transaction.
(3) banking processing module
This is the processing module of bank to financial payment transaction, and for finance payment system, the major function that module will provide has batch service processing, real time business processing, system's accounting checking.It can remind the service of following several respects:
3.1 batch service is handled
Bank's end service system receives the batch payment instruction from client, and does respective handling according to the executive condition and the rule of instruction.
Payment instruction generally with the form of file, perhaps submit to by the form of many records in batches.The executive condition of instruction real-time processing, Timing Processing are also arranged and satisfy condition handle etc. multiple.For the instruction that requires executed in real time, system can forward the real time business processing section to and carry out; For the instruction that needs temporary respite, system need keep in, and carries out organization and administration according to its actual conditions, initiates request again, execution command after the condition for the treatment of satisfies.
3.2 real time business is handled
Can submit real-time financial payment instruction to by Web bank, single or many after system receives real-time financial Payment Request, become its tissue the discernible trading instruction of banking system immediately, mail to banking system and clear, return relevant information again after waiting to finish.
3.3 system's accounting checking
Reconciliation functions with financial system is provided, and the cardinal rule of accounting checking all is that the data with the kernel business of bank system are as the criterion.
The payment object of finance direct payment is the budget entity and the finance department of subordinate, fund is directly appropriated on the account of the budget entity or the finance department of subordinate from the national treasury single account according to the budget enforcement progress by the finance department.By utilizing finance payment system of the present invention to carry out financial direct payment, concrete operation flow is as follows:
1, finishes the data typing process of financial payment transaction by the typing operator of finance department bank's finance on the net service module;
2, checking the operator by the finance department finishes to check in financial service module and examines function;
3, finish Payment Request through sending payment instruction to the Web bank behind the signature.
By utilizing finance payment system of the present invention to carry out financial authority to pay, concrete operation flow is as follows:
1, the finance department will authorize amount to send to the Web bank of agent bank by financial service module in advance;
2, in the budget entity service module, finish the data typing process of payment instruction by the keyboarder of budget entity;
3, in the budget entity service module, finish the compound nucleus process of accountable warrant by the auditor of budget entity;
4, through sending payment instruction to the Web bank behind the signature;
5, whether the mandate amount that provides according to the finance department automatically of Web bank to examine accountable warrant in excess of the quota, if do not have in excess of the quotaly, carries out accountable warrant, simultaneously the mandate amount of corresponding this budget entity of minimizing.
Examine the budget entity payment by utilizing finance payment system of the present invention to carry out finance, concrete operation flow is as follows:
Finance is examined budget entity payment and is meant by budget entity and finishes the data typing and operation is checked in inside budgetary, finishes the process of examining by the higher level finance department again, is finished the execution of payment instruction again by bank, and idiographic flow is as follows:
1, in the budget entity service module, finishes the data typing process of payment instruction by the system Dan Yuan of budget entity;
2, in the budget entity service module, finish the compound nucleus process of payment instruction by auditor;
3, send payment instruction to the Web bank;
4, the finance person of examining logging in to online banks is finished examining for this instruction in financial service module;
If 5 examine by, bank system of web is finished the execution of concrete payment.
Although be the example purpose, preferred implementation of the present invention is disclosed, but those of ordinary skill in the art will recognize that under situation about not breaking away from by the disclosed scope and spirit of the present invention of appending claims, various improvement, increase and replacement are possible.
Claims (6)
1. finance payment system, based on setting up on Web bank's basic platform, it is characterized in that: described finance payment system comprises:
Towards finance, be used for data typing and payment audit, bank's finance account relevant data is downloaded, inquiry, the submission of online payment, signature, budget entity online payment limit is uploaded, the financial service module that bank's finance payment clearance data are downloaded;
Towards budget entity, be used for data typing and payment audit, the budget entity service module of the submission of authority to pay, signature;
Be used for batch service and handle, real time business is handled, the banking processing module of system's accounting checking.
2. the application process of a finance payment system according to claim 1 is used to carry out financial direct payment, it is characterized in that, may further comprise the steps:
The first step, by the typing operator of the finance department on the net bank finance service module finish the data typing process of financial payment transaction;
Second step, check the operator by the finance department and in financial service module, finish to check and examine function;
Send payment instruction to the Web bank behind the 3rd step, the process signature and finish Payment Request.
3. the application process of a finance payment system according to claim 1 is used to carry out financial authority to pay, it is characterized in that, may further comprise the steps:
At first, the finance department sends to agent bank with the mandate amount in the financial authority to pay request, is kept in the system of agent bank;
Secondly, budget entity carries out financial authority to pay request as required, examines and finish Payment Request by bank according to the mandate amount;
At last, agent bank is responsible for the execution of payment instruction and the reconciliation process of each side.
4. the application process of finance payment system according to claim 3 is characterized in that, described application process specifically may further comprise the steps:
The first step, the finance department will authorize amount to send to the Web bank of agent bank by financial service module;
Second goes on foot, is finished in the budget entity service module by the keyboarder of budget entity the data typing process of payment instruction;
The 3rd goes on foot, is finished in the budget entity service module by the auditor of budget entity the compound nucleus process of accountable warrant;
Send payment instruction to the Web bank behind the 4th step, the process signature;
The 5th step, whether the mandate amount that provides according to the finance department automatically of Web bank is examined accountable warrant in excess of the quota, if do not have in excess of the quotaly, carries out accountable warrant, simultaneously the mandate amount of corresponding this budget entity of minimizing.
5. the application process of a finance payment system according to claim 1 is used to carry out finance and examines the budget entity payment, it is characterized in that, may further comprise the steps:
At first, budget entity is finished the data typing and operation is checked in inside budgetary;
Secondly finish the process of examining by the higher level finance department;
Finish the execution of payment instruction at last by bank.
6. the application process of finance payment system according to claim 5 is characterized in that, described application process specifically may further comprise the steps:
The first step, finish the data typing process of payment instruction again in the budget entity service module by the system Dan Yuan of budget entity;
Second goes on foot, is finished in the budget entity service module by the auditor of budget entity the compound nucleus process of payment instruction;
The 3rd the step, send payment instruction to the Web bank;
The 4th step, the finance person of examining logging in to online banks are finished examining for this instruction in financial service module;
If the 5th the step examine by, bank system of web is finished the execution of concrete payment.
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| CN2010101492522A CN101877091A (en) | 2010-04-08 | 2010-04-08 | Finance payment system and application method thereof |
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| CN2010101492522A CN101877091A (en) | 2010-04-08 | 2010-04-08 | Finance payment system and application method thereof |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101030278A (en) * | 2007-04-04 | 2007-09-05 | 王忠杰 | Paper-bill payment system based on Internet service |
| CN101079134A (en) * | 2007-06-28 | 2007-11-28 | 北京博世金电科技开发有限公司 | Method for bill exchange and interruption based on colorful image |
| CN101303753A (en) * | 2008-06-06 | 2008-11-12 | 中国民生银行股份有限公司 | Electronic payment system and method |
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- 2010-04-08 CN CN2010101492522A patent/CN101877091A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101030278A (en) * | 2007-04-04 | 2007-09-05 | 王忠杰 | Paper-bill payment system based on Internet service |
| CN101079134A (en) * | 2007-06-28 | 2007-11-28 | 北京博世金电科技开发有限公司 | Method for bill exchange and interruption based on colorful image |
| CN101303753A (en) * | 2008-06-06 | 2008-11-12 | 中国民生银行股份有限公司 | Electronic payment system and method |
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Application publication date: 20101103 |