CN101964093B - Invoice Number method of payment, payment platform and payment system - Google Patents
Invoice Number method of payment, payment platform and payment system Download PDFInfo
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Abstract
The present invention's " Invoice Number method of payment, payment platform and payment system " relate to a kind of network communications technology, this Invoice Number payment platform is owing to being provided with payee's interface unit, Invoice Number distributes and processing unit and payment interface unit, a payment transaction can be divided into two stages: (initiated by the payer holding transaction Invoice Number and completed by payment services system) implementation phase of transaction Invoice Number generation phase (jointly being completed by Invoice Number payment platform and payee) and payment, the network channel that two parties (payee and payer) used in this two stages is separate, payer only needs input one transaction Invoice Number, Payment Amount and payment instruction can complete payment, therefore payment system transaction payment process of the present invention not only obtains the safety of banking system finance level, and pay convenient light, and payee just can complete gathering without the need to docking with payment platform or payment system, payee inquires about and records also very convenient after completion of transactions.
Description
Technical field:
The present invention relates to network communications technology, particularly network Invoice Number method of payment, payment platform and payment system.
Background technology:
On public network, transaction payment information to be also existed from client by the process that information channel is committed to trade center be ravesdropping, counterfeit and distort equivalent risk.These risks can be divided into two classes according to message transmitting procedure: the risk in the risk of client self and transmission channel.Due to the uncertainty of public network safety, the client be connected on public network may be garrisoned by trojan horse, the encryption of information channel may be decrypted, particularly all sensitive informations transmit in same channel, when the outside threats such as hacker breach the defence of this payment channel, the safety of payment of user loses guarantee immediately.Therefore conventional single channel encryption and identity recognizing technology is only relied on cannot to ensure the safety of concluding the business completely.
Private network can provide very high safety guarantee to electronic transaction, but the bandwidth of private network private network that is very expensive, that set up an all client of connection is almost impossible.Safe and reliable payment network terminal available is at present all generally the special-purpose terminal being directly connected to banking system.But private network is because bandwidth expensive cannot bear the huge network transaction business of quantity of information.
Except potential safety hazard, network transaction payment is a very loaded down with trivial details thing inherently, the common transaction based on public network, owing to directly cannot utilize existing bank payment network (as POS terminal network, intelligent terminal network and atm network etc.), therefore needs to build the payment system based on computer network.But due to the needs of secure context, this payment system needs to introduce multiple security control means, as input card number, password, certain feature code of certain feature code of card or individual, the amount of money, the random identification code of web automation building technology and other etc. loaded down with trivial details requirement etc., thus making succinct payment link originally become very loaded down with trivial details, a kind of simple, safe and reliable payment system and method are badly in need of in the transaction as seen based on public network.
But in order to solve the transaction payment process safety low problem that cannot easily directly utilize existing bank payment network and private network bandwidth expensive of prior art based on public network, present applicant has proposed application number is 200710178814.4, name is called " condition code paying method, payment platform and payment system " application for a patent for invention, use condition code payment platform disclosed in this application for a patent for invention, payment transaction is divided in order to two stages: (initiated by the payer holding condition code and completed by payment services system) implementation phase of paying condition code generation phase (being completed by condition code payment platform) and pay, the network channel that user (payee and payer) used in this two stages is separate, simultaneously, payer only need know that condition code just can be paid the bill, therefore payer can utilize various payment network easily during payment paying implementation phase, as bank or the payment terminal network paying tissue, thus obtain the safety of payment of financial level, because user pays the bill but pays the bill on the special-purpose terminal of bank on public network, therefore complicated authentication content need not be inputted, input condition code and payment instruction is only needed to complete payment, therefore system transaction payment process not only obtains the safety of banking system finance level, and pay convenient light.Because this condition code payment platform to be generated by the condition code of inside and Receiving information to be generated one and has the condition code of mapping relations with Receiving information by processing unit, and according to the receiving equipment ID of payer, condition code is sent to condition code receiving equipment by condition code payment platform, therefore condition code payment platform all needs stochastic generation condition code when each transaction, this condition code is Invoice Number during transaction.Because condition code normally selects complicated transforming function transformation function stochastic generation, therefore condition code does not have rule each other when generating, also need the effective period setting this condition code, and likely repeat to generate within effective period, thus impact transaction, for same payee, payee must be docked with condition code payment system and just can be collected money, and some payee trade company that to be scale smaller, there is no electronic system, inconvenience is docked with condition code payment system, therefore just cannot collect money, and condition code is by condition code payment platform stochastic generation, therefore do not form certain rule, payee can only passively accept, especially after payee receives many transactions amount of money, carry out subsequently Transaction Inquiries and record time be not very convenient.
Summary of the invention:
The present invention solves various defect and the deficiency of prior art existence, there is provided a kind of and effectively can utilize the high speed of public network, cheap function, the New-type instant of bank proprietary terminal network safety, easily means of payment, security can be utilized again expediently high, and payee is without the need to just completing gathering with payment platform docking and payee's inquiry and record also public network Invoice Number method of payment, payment platform and payment system very easily after completion of transactions.
Technical scheme of the present invention is as follows:
Invoice Number payment platform, is characterized in that, comprises the payee's interface unit, the Invoice Number that are connected successively by information transmission order and distributes and processing unit and payment interface unit; Described Invoice Number distributes and processing unit is the fixing identification code of payee's dispense needles to this payee according to the application of payee; Described payee's interface unit is provided with the communication interface with information carrying capacity; The fixing identification code that Invoice Number distributes and processing unit distributes is passed to payee by described payee's interface unit, and receive the shroff account number of payee's submission, this shroff account number is passed to Invoice Number to distribute and processing unit, described Invoice Number distributes and the shroff account number of fixing identification code and payee is formed corresponding relation and preserves by processing unit again; Described payment interface unit is connected with the payment services provider outside described Invoice Number payment platform, and payee generates transaction Invoice Number according to fixing identification code expansion and this transaction Invoice Number sent to the transaction Invoice Number receiving equipment of the payer outside described Invoice Number payment platform; Described payment interface unit is received in the transaction Invoice Number of payment result, Payment Amount and the correspondence that payer is provided by payment services provider after payment terminal submission payment instruction, and submit to Invoice Number distribution and processing unit, then determine that contained fixing identification code is to obtain shroff account number and to send to payment services provider finally to complete payment through payment interface unit this shroff account number by Invoice Number distribution and processing unit according to transaction Invoice Number.
Also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and is connected with processing unit, the payment result that described Invoice Number distributes and the payment interface unit received provides by processing unit, by payer's interface unit advice and pay people, notifies payee by payee's interface unit.
Described payment services provider is bank or pays tissue, and described payment terminal is the special-purpose terminal of bank or pays the terminal organized, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-electronic mailbox.
Described communication interface is SMS interface or voice call interface or Interface for digital communication.
Described transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.
Described Invoice Number distributes and processing unit comprises fixing identity assignments unit, fixing identification code processing unit and Invoice Number processing unit of concluding the business, and described fixing identity assignments unit is that payee's dispense needles transmits this fixing identification code to the fixing identification code of this payee by payee's interface unit according to the application of payee; Described fixing identification code processing unit receives the shroff account number of payee's submission that payee's interface unit transmits, and the fixing identification code that this shroff account number and fixing identity assignments unit distribute is formed corresponding relation and preserves; Described transaction Invoice Number processing unit receives the transaction Invoice Number of payment result, Payment Amount and the correspondence that payment interface unit receives, and determine that the corresponding relation of the fixing identification code that contained fixing identification code stores from fixing identification code processing unit again and shroff account number obtains shroff account number according to transaction Invoice Number, then send to payment services provider finally to complete payment through payment interface unit this shroff account number.
Invoice Number payment system, comprise Invoice Number payment platform and the payment services system of information communication can be carried out with Invoice Number payment platform, the payment services provider that described payment services system comprises payment terminal and is connected with payment terminal, described Invoice Number payment system also comprises the transaction Invoice Number receiving equipment of the payer that can receive the information that payee sends; Described Invoice Number payment platform comprises the payee's interface unit, the Invoice Number that are connected successively by information transmission order and distributes and processing unit and payment interface unit; Described Invoice Number distributes and processing unit is the fixing identification code of payee's dispense needles to this payee according to the application of payee; Described payee's interface unit is provided with the communication interface with information carrying capacity; The fixing identification code that Invoice Number distributes and processing unit distributes is passed to payee by described payee's interface unit, and receive the shroff account number of payee's submission, this shroff account number is passed to Invoice Number to distribute and processing unit, described Invoice Number distributes and the shroff account number of fixing identification code and payee is formed corresponding relation and preserves by processing unit again; Described payment interface unit is connected with the payment services provider in described payment services system, payee generates transaction Invoice Number according to fixing identification code expansion and this transaction Invoice Number is sent to the transaction Invoice Number receiving equipment of payer, and the payment terminal of described payment services system receives the transaction Invoice Number of payer's submission, Payment Amount and payment instruction; Described payment interface unit is received in the transaction Invoice Number of payment result, Payment Amount and the correspondence that payer is provided by payment services provider after payment terminal submission payment instruction, and submit to Invoice Number distribution and processing unit, then determine that contained fixing identification code is to obtain shroff account number and this shroff account number is sent to payment services provider through payment interface unit by Invoice Number distribution and processing unit according to transaction Invoice Number; Described payment services provider obtains shroff account number according to transaction Invoice Number from Invoice Number payment platform, then pays middle account from payment account number by the Payment Amount of specifying according to payment instruction, is then given to shroff account number by clearance; Or payment services provider obtains shroff account number according to transaction Invoice Number from Invoice Number payment platform, the then direct Payment Amount that payment is specified from payment account number to shroff account number.
Also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and is connected with processing unit, the payment result that described Invoice Number distributes and the payment interface unit received provides by processing unit, by payer's interface unit advice and pay people, notifies payee by payee's interface unit.
Described payment services system is banking system or the system paying tissue, and described payment terminal is the special-purpose terminal of bank or pays the terminal organized, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-electronic mailbox.
Described transaction Invoice Number receiving equipment also receives the Payment Amount that payee sends.
Described transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.
Described Invoice Number distributes and processing unit comprises the fixing identity assignments unit be connected successively, fixing identification code processing unit and Invoice Number processing unit of concluding the business, and described fixing identity assignments unit is that payee's dispense needles transmits this fixing identification code to the fixing identification code of this payee by payee's interface unit according to the application of payee; Described fixing identification code processing unit receives the shroff account number of payee's submission that payee's interface unit transmits, and the fixing identification code that this shroff account number and fixing identity assignments unit distribute is formed corresponding relation and preserves; Described transaction Invoice Number processing unit receives the transaction Invoice Number of payment result, Payment Amount and the correspondence that payment interface unit receives, and determine that the corresponding relation of the fixing identification code that contained fixing identification code stores from fixing identification code processing unit again and shroff account number obtains shroff account number according to the presumption of transaction Invoice Number, then send to payment services provider finally to complete payment through payment interface unit this shroff account number.
Invoice Number method of payment, is characterized in that, comprises the steps: A, is the fixing identification code of payee's dispense needles to this payee according to the application of payee, will fix identification code and shroff account number forms corresponding relation; B, payee expand and generate transaction Invoice Number on the basis of fixing identification code; C, payee send transaction Invoice Number to the transaction Invoice Number receiving equipment of payer; D, payer obtain transaction Invoice Number from transaction Invoice Number receiving equipment and complete payment in payment terminal input transaction Invoice Number, Payment Amount and the payment instruction of payment services system; The payment services provider of E, connection payment terminal also determines contained fixing identification code by transaction Invoice Number, thus obtains shroff account number and pay shroff account number by the Payment Amount of specifying from payment account number according to payment instruction.
After execution of step A or B, also perform following step:
B ', by the Receiving information of payee with transaction Invoice Number form corresponding relation, described Receiving information comprises Payment Amount.
Described transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.
Transmission in above-mentioned step C comprises by short message sending, Email transmission, Advise By Wire, mailing transmission, data communication transmission or express delivery transmission.
Above-mentioned E step payment services provider obtains shroff account number according to transaction Invoice Number, then the Payment Amount of specifying is paid to shroff account number according to payment instruction from payment account number, or pay middle account from payment account number by described Payment Amount, then forward the Payment Amount of specifying to shroff account number by clearance service from middle account.
Technique effect of the present invention is as follows:
Invoice Number payment platform of the present invention is owing to being provided with payee's interface unit, Invoice Number distributes and processing unit and payment interface unit, by Invoice Number payment system, a payment transaction is divided into two stages: (initiated by the payer holding transaction Invoice Number and completed by payment services system) implementation phase of transaction Invoice Number generation phase (jointly being completed by Invoice Number payment platform and payee) and payment, the network channel that two parties (payee and payer) used in this two stages is separate, solve the security hidden trouble that prior art exists based on the transaction payment process of public network.In transaction Invoice Number generation phase, that Invoice Number distributes and processing unit directly will fix identity assignments to payee according to the application of payee, expanded on the basis of fixing identification code by payee and generate transaction Invoice Number, this Invoice Number payment platform just distributes to the fixing identification code that payee and this payee bind, payee can according to this fixing identification code according to the law generation transaction Invoice Number oneself set, this transaction Invoice Number is the Invoice Number when concluding the business, therefore the Invoice Number that payer obtains when concluding the business is transaction Invoice Number that is that payee sends and that expand according to fixing identification code for payee, transaction Invoice Number is well-determined, and for identical payee, there is common characteristic, after payee receives many transactions amount of money, no matter payment platform or the gathering inquiry that can carry out easily per capita concluding the business and record, transaction Invoice Number is for payee, initiatively generate, and non-passive accepts, eliminate payment platform of the prior art and select complicated transforming function transformation function generating feature code, and set the complex work of the effective period of this condition code, therefore the transaction fault brought because Invoice Number may repeat to generate when avoiding transaction, and carry out Transaction Inquiries and record time not convenient.And, payee only need obtain fixing identification code to the application of Invoice Number payment platform the most at first and shroff account number issued Invoice Number payment platform from Invoice Number payment platform, and in payment transaction afterwards, the transaction Invoice Number that oneself expansion generates directly can be sent to the transaction Invoice Number receiving equipment of payee by payee, the payment result that payee is provided by payment services provider after payment terminal submission payment instruction, Payment Amount and corresponding transaction Invoice Number, and submit to Invoice Number payment platform, Invoice Number payment platform estimates fixing identification code according to transaction Invoice Number, and obtain shroff account number according to the corresponding relation of fixing identification code and shroff account number and send to payment services provider finally to complete payment again, therefore payee just can complete gathering without the need to docking with payment platform, this is smaller for scale, there is no electronic system, there is the trade company (payee) of comparatively fixing customer group, very convenient, solve payee to dock with Invoice Number payment system and just can carry out collecting money and the problem of making troubles.Simultaneously, payer only need know that transaction Invoice Number just can be paid the bill, therefore payer can utilize various payment network easily during payment paying implementation phase, as bank or the payment terminal network paying tissue, thus obtain the safety of payment of financial level, because user pays the bill but pays the bill on the special-purpose terminal of bank on public network, therefore complicated authentication content need not be inputted, only need input one transaction Invoice Number, Payment Amount and payment instruction can complete payment, avoid the technical matters that prior art cannot utilize the special-purpose terminal of banking system easily, therefore the transaction payment process of Invoice Number payment platform of the present invention not only obtains the safety of banking system finance level, for payee, just gathering can be completed without the need to docking with payment platform, for payer, pay easily very convenient.
In like manner, payment transaction divides in order to two stages by Invoice Number method of payment of the present invention: the implementation phase of transaction Invoice Number generation phase and payment, disburser only need know that transaction Invoice Number just can be implemented to pay, therefore actual delivery can be implemented by the payment terminal network with financial level security of bank, therefore all kinds of public network can be utilized to receive the collecting account of payee and to issue transaction Invoice Number, then utilize bank ready-made, the financial payment systems of safety implements convenient and safe payment, namely reach can in internet in transaction, enterprise network or other users think on convenient and practical information network, and pay the special payment terminal network of channel usage bank, as bank card POS network, telephone bank, Mobile banking, atm network or other intelligent payment terminal networks, its security is equal to the security that bank has trade network by oneself, thus can avoid transmitting sensitive information on public information network, even carrying out concluding the business and implement on payment network to pay on public network can be initiated by different people, so wooden horse is passed through in attempt, eavesdropping, the means such as decoding obtain user's payment information and hardly may, thus the security of payment is drastically increased.Transaction Invoice Number is formed from expansion the basis of the fixing identification code obtained by payee, that is each transaction Invoice Number represents specific meaning, trade company (payee) information can be judged from each transaction Invoice Number, and the receiving equipment of payer is directly sent to by payee, payee also can complete gathering even without electronic system, this transaction Invoice Number shows very simple, be convenient to payer pay and transmit in whole payment transaction process, it is more convenient, accurately and safety that middle account implementation process of can guaranteeing payment is set.
Accompanying drawing illustrates:
Fig. 1 is the structured flowchart of Invoice Number payment system of the present invention.
Fig. 2 is the structured flowchart of preferred Invoice Number payment system.
Fig. 3 is the process flow diagram of Invoice Number method of payment of the present invention.
Embodiment:
In Fig. 1, Invoice Number payment system comprises Invoice Number payment platform and can carry out the payment services system of information communication with Invoice Number payment platform, also comprises the transaction Invoice Number receiving equipment of the payer that can receive the information that payee sends.Wherein, the payment services provider that payment services system comprises payment terminal and is connected with payment terminal; Invoice Number payment platform comprises the payee's interface unit, the Invoice Number that are connected successively by information transmission order and distributes and processing unit and payment interface unit, and Invoice Number distributes and processing unit is the fixing identification code of payee's dispense needles to this payee according to the application of payee; Payee's interface unit is provided with the communication interface with information carrying capacity; This communication interface is for selecting SMS interface or voice call interface or data communication interface or other communication interfaces, namely the Receiving information that payee is sent by note, phone, Email or other computer network communication means (as QQ, MSN) can be received, certain Invoice Number payment platform can also arrange payee's authentication unit, for verifying the legitimacy of payee, such Invoice Number payment platform just can verify whether corresponding information is the information having opened the payee's submission put on record.The fixing identification code that Invoice Number distributes and processing unit distributes is passed to payee by payee's interface unit, and receive the shroff account number of payee's submission, this shroff account number is passed to Invoice Number to distribute and processing unit, Invoice Number distributes and the shroff account number of fixing identification code and payee is formed corresponding relation and preserves by processing unit again.The fixing identification code expansion received is generated transaction Invoice Number by payee, and this transaction Invoice Number is sent to the transaction Invoice Number receiving equipment of payer, certainly according to the setting of payer and demand, Payment Amount can be issued payer in the lump, the transaction Invoice Number receiving equipment of payer can be mobile phone, computer terminal, phone, electronics or non-electronic mailbox etc., and payer submits transaction Invoice Number, Payment Amount and payment instruction in the payment terminal of payment services system.Payment interface unit is connected with the payment services provider in described payment services system, payment interface unit is received in the transaction Invoice Number of payment result, Payment Amount and the correspondence that payer is provided by payment services provider after payment terminal submission payment instruction, and submits to Invoice Number distribution and processing unit.Invoice Number distributes can also be connected payer's interface unit with processing unit, the payment result that Invoice Number distributes and the payment interface unit received provides by processing unit, by payer's interface unit advice and pay people (this payment result can be sent to the transaction Invoice Number receiving equipment of payer or other receiving equipment of payer), notifies payee by payee's interface unit; When receiving equipment as payer is mobile phone, payer can also submit effective phone number in payment terminal, so-called effective phone number is the phone number verified by Invoice Number payment platform, the payment result information that Invoice Number payment platform sends can be received, namely in process of exchange, payer only need input successively: phone number, transaction Invoice Number and Payment Amount, the payment that inputs password of then swiping the card, user can pay the bill to the trade company specified (payee).To be distributed by Invoice Number and processing unit determines contained fixing identification code according to transaction Invoice Number, and obtain to obtain shroff account number send to payment services provider finally to complete payment through payment interface unit this shroff account number according to the fixing identification code of storage and the corresponding relation of shroff account number.Payment services provider can realize the independently system of message exchange with Invoice Number payment platform, be preferably the system of bank or bankcard association, when payment services system is the system of bank or bankcard association, this payment terminal is the special-purpose terminal of bank or bankcard association.
Payee only needs therefrom to obtain fixing identification code to the application of Invoice Number payment platform before the trade and shroff account number is issued Invoice Number payment platform, and without the need to docking with Invoice Number payment system in follow-up payment process, wherein, Invoice Number distributes and processing unit is the fixing identification code of payee's dispense needles to this payee according to the application of payee, this payee is trade company, trade company can according to certain agreement access Invoice Number payment system, file an application to Invoice Number payment system, to obtain fixing identification code.
If while trade company (payee) is collected money to user (payer) by Invoice Number payment system, also need the corresponding relation obtaining dealing money and user, trade company now needs electronic system, and independently identity ID is assigned to its user, such trade company can direct respective user ID while gathering.
The rule that fixing identification code expands to transaction Invoice Number is preferably: transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.Invoice Number payment system distributes a fixing identification code for each trade company (payee), fixing identification code section can be distributed according to territorial jurisdiction, usually can distribute 3-7 position, trade company expands the transaction Invoice Number generating Invoice Number payment system and can accept on the basis of this fixing identification code.Such as, the fixing identification code of distributing for trade company is 899, and the transaction Invoice Number of generation needs to comprise 899 or 899
* *(
*for numeral).The value table of fixing identification code can refer to shown in table 1 or adopts alternate manner.
Identification code value table fixed by table 1
| The length of fixing identification code | The span of fixing identification code |
| 3 | Be the first with 8, comprise 801-899 |
| 3 | Be the first with 9, comprise 900-999 |
| 4 | Be the first with 6, i.e. 6000-6999 |
| 5 | Be the first with 5, i.e. 50000-59999 |
| 6 | Be the first with 3, i.e. 300000-399999 |
| 7 | Be the first with 7, i.e. 7000000-7999999 |
In Invoice Number payment platform, specify a series of numeral, be appended to the rear end of fixing identification code, thus configure a series of transaction Invoice Numbers for its business.Fixing identification code and transaction Invoice Number are generally the corresponding relation of one-to-many.Different transaction Invoice Numbers, can also arrange indefinite bill content and Payment Amount.
After trade company obtains fixing identification code, also can sub-trade company under generating merchant, and configure a numeral for each Ge Zi trade company, be appended to after fixing identification code, form the fixing identification code of sub-trade company, sub-trade company can be referred to as herein and fix identification code, antithetical phrase trade company independently can manage, comprising: information management, quota control, payment channel setting etc.Directly sub-trade company is fixed identification code by sub-trade company and expand generation transaction Invoice Number, and directly this transaction Invoice Number is sent to payee by this sub-trade company.
No matter whether trade company docks with Invoice Number payment platform, payer can pay the bill, and trade company need identify payer, by Invoice Number payment platform, for payer provides corresponding service by transaction Invoice Number (can also be user mobile phone number).The implementation phase of payment as hereinbefore.
Fig. 2 is the structured flowchart of preferred Invoice Number payment system, and this Invoice Number payment system comprises Invoice Number payment platform, payment services system and transaction Invoice Number receiving equipment.Wherein, the payment services provider that payment services system comprises payment terminal and is connected with payment terminal; Invoice Number payment platform comprises payee's interface unit, fixing identity assignments unit, fixing identification code processing unit, transaction Invoice Number processing unit and payment interface unit, and described fixing identity assignments unit, fixing identification code processing unit and transaction Invoice Number processing unit are Invoice Number and distribute and processing unit.Fixing identity assignments unit is that payee's dispense needles transmits this fixing identification code to the fixing identification code of this payee by payee's interface unit according to the application of payee; Fixing identification code processing unit receives the shroff account number of payee's submission that payee's interface unit transmits, and the fixing identification code that this shroff account number and fixing identity assignments unit distribute is formed corresponding relation and preserves.The fixing identification code expansion received is generated transaction Invoice Number by payee, and this transaction Invoice Number being sent to the transaction Invoice Number receiving equipment of payer, payer submits transaction Invoice Number, Payment Amount and payment instruction in the payment terminal of payment services system.Payment interface unit is connected with the payment services provider in described payment services system, payment interface unit is received in the transaction Invoice Number of payment result, Payment Amount and the correspondence that payer is provided by payment services provider after payment terminal submission payment instruction, and submits to Invoice Number processing unit.Transaction Invoice Number processing unit receives the payment result that payment interface unit receives, Payment Amount and corresponding transaction Invoice Number, the payment result that the payment interface unit received can also be provided is by arranging payer's interface unit advice and pay people, payee is notified by payee's interface unit, according to transaction Invoice Number, transaction Invoice Number processing unit determines that the corresponding relation of the fixing identification code that contained fixing identification code stores from fixing identification code processing unit again and shroff account number obtains shroff account number again, again this shroff account number is sent to payment services provider through payment interface unit.Payment services provider obtains shroff account number according to transaction Invoice Number from Invoice Number payment platform, then pays middle account from payment account number by the Payment Amount of specifying according to payment instruction, is then given to shroff account number by clearance.When middle account, payment services provider obtains shroff account number according to transaction Invoice Number from Invoice Number payment platform, then the direct Payment Amount that payment is specified from payment account number to shroff account number.
Payment services provider can realize the independently system of message exchange with Invoice Number payment platform, be preferably the system of bank or bankcard association, when payment services system is the system of bank or bankcard association, this payment terminal is the special-purpose terminal of bank or bankcard association.
Fig. 3 is the process flow diagram of Invoice Number method of payment of the present invention:
First stage: Invoice Number of 1, concluding the business generates
For payee distributes fixing identification code, payee expands and generates transaction Invoice Number, then by this transaction Invoice Number advice and pay people on the basis of fixing identification code.Particularly, comprise the steps:
(1), according to the application of payee 201, Invoice Number payment platform 202 is the fixing identification code of payee 201 dispense needles to this payee 201, and payee 201 expands and generates transaction Invoice Number on the basis of fixing identification code.
(2), payee 201 submits shroff account number to Invoice Number payment platform 202, and the shroff account number of payee 201 and fixing identification code are formed relation one to one by Invoice Number payment platform 202.
Invoice Number payment platform 202 can adopt various communication interface to receive the Receiving information of payee's submission, as long as the information carrying capacity that these interfaces possess, comprise SMS (SMS), Email, voice call and computer network communication interface etc.
(3), payee 201 expands and generates transaction Invoice Number on the basis of fixing identification code, and send transaction Invoice Number to the transaction Invoice Number receiving equipment 203 of payer 204, also can increase as out of Memory contents such as Payment Amounts according to business actual needs.The transaction Invoice Number receiving equipment 203 of payer 204 can be mobile phone, phone, computer, PDA etc.
Subordinate phase: 2, pay enforcement
Payer submits transaction Invoice Number, Payment Amount and payment instruction by its network system of trusting to payment services system (bank, bankcard association etc.), after payment services system processes this payment instruction, by the transaction Invoice Number of payment result and correspondence and Payment Amount notice Invoice Number payment platform, payment result is notified corresponding payer and payee by Invoice Number payment platform subsequently.Particularly, comprise the steps:
(1), payer 204 obtains transaction Invoice Number from transaction Invoice Number receiving equipment 203, then selects a kind of payment network.Payment network can be bank POS network, atm network, intelligent payment terminal network, Web bank, telephone bank or Mobile banking etc.
(2), payer 204 inputs transaction Invoice Number, Payment Amount and payment instruction PI in payment terminal 205, PI at least comprises payment account number, password etc., but concrete input method and content, depend on the type of user-selected payment terminal, as in POS terminal: being operating as of payer inputs transaction Invoice Number, input Payment Amount, swipes the card, inputs password, then submits to.
(3), transaction Invoice Number, Payment Amount and payment instruction be sent to payment services provider 206 by payment terminal 205, and the Payment Amount of specifying is paid middle account according to payment instruction and Payment Amount from the payment account number of payer 204 by payment services provider 206.This middle account is the appointment account that payment services provider 206 arranges jointly with Invoice Number payment platform 202.
(4), payment services provider 206 will conclude the business Invoice Number, Payment Amount and payment result notice Invoice Number payment platform 202.
(5), Invoice Number payment platform 202 is determined contained fixing identification code according to transaction Invoice Number, and is obtained shroff account number according to the corresponding relation of the fixing identification code stored and shroff account number, and shroff account number is sent to payment services provider 206.
(6), the Payment Amount of specifying is paid shroff account number from middle account by payment services provider 206.
Can make payment more accurately and reduce mistake by the mode of middle account.Certainly, also the mode of middle account can not be adopted, after payment services provider 206 receives the transaction Invoice Number of payment terminal 205, Payment Amount and payment instruction, immediately transaction Invoice Number, Payment Amount and payment result are sent to Invoice Number payment platform 202, shroff account number is sent to payment services provider 206 by Invoice Number payment platform 202, and the Payment Amount of specifying directly is paid shroff account number from the payment account number of payer 204 by payment services provider 206.
Claims (17)
1. Invoice Number payment platform, is characterized in that, comprises the payee's interface unit, the Invoice Number that are connected successively by information transmission order and distributes and processing unit and payment interface unit; Described Invoice Number distributes and processing unit is the fixing identification code of payee's dispense needles to this payee according to the application of payee; Described payee's interface unit is provided with the communication interface with information carrying capacity; The fixing identification code that Invoice Number distributes and processing unit distributes is passed to payee by described payee's interface unit, and receive the shroff account number of payee's submission, this shroff account number is passed to Invoice Number to distribute and processing unit, described Invoice Number distributes and the shroff account number of fixing identification code and payee is formed corresponding relation and preserves by processing unit again; Described payment interface unit is connected with the payment services provider outside described Invoice Number payment platform, and payee generates transaction Invoice Number according to fixing identification code expansion and this transaction Invoice Number sent to the transaction Invoice Number receiving equipment of the payer outside described Invoice Number payment platform; Described payment interface unit is received in the transaction Invoice Number of payment result, Payment Amount and the correspondence that payer is provided by payment services provider after payment terminal submission payment instruction, and submit to Invoice Number distribution and processing unit, then determine that contained fixing identification code is to obtain shroff account number and to send to payment services provider finally to complete payment through payment interface unit this shroff account number by Invoice Number distribution and processing unit according to transaction Invoice Number.
2. Invoice Number payment platform according to claim 1, it is characterized in that, also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and is connected with processing unit, the payment result that described Invoice Number distributes and the payment interface unit received provides by processing unit, by payer's interface unit advice and pay people, notifies payee by payee's interface unit.
3. Invoice Number payment platform according to claim 1, it is characterized in that, described payment services provider is bank or pays tissue, described payment terminal is the special-purpose terminal of bank or pays the terminal organized, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-electronic mailbox.
4. according to the Invoice Number payment platform one of claims 1 to 3 Suo Shu, it is characterized in that, described communication interface is SMS interface or voice call interface or Interface for digital communication.
5. according to the Invoice Number payment platform one of claims 1 to 3 Suo Shu, it is characterized in that, described transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.
6. according to the Invoice Number payment platform one of claims 1 to 3 Suo Shu, it is characterized in that, described Invoice Number distributes and processing unit comprises fixing identity assignments unit, fixing identification code processing unit and Invoice Number processing unit of concluding the business, and described fixing identity assignments unit is that payee's dispense needles transmits this fixing identification code to the fixing identification code of this payee by payee's interface unit according to the application of payee; Described fixing identification code processing unit receives the shroff account number of payee's submission that payee's interface unit transmits, and the fixing identification code that this shroff account number and fixing identity assignments unit distribute is formed corresponding relation and preserves; Described transaction Invoice Number processing unit receives the transaction Invoice Number of payment result, Payment Amount and the correspondence that payment interface unit receives, and determine that the corresponding relation of the fixing identification code that contained fixing identification code stores from fixing identification code processing unit again and shroff account number obtains shroff account number according to transaction Invoice Number, then send to payment services provider finally to complete payment through payment interface unit this shroff account number.
7. Invoice Number payment system, comprise Invoice Number payment platform and the payment services system of information communication can be carried out with Invoice Number payment platform, the payment services provider that described payment services system comprises payment terminal and is connected with payment terminal, described Invoice Number payment system also comprises the transaction Invoice Number receiving equipment of the payer that can receive the information that payee sends; Described Invoice Number payment platform comprises the payee's interface unit, the Invoice Number that are connected successively by information transmission order and distributes and processing unit and payment interface unit; Described Invoice Number distributes and processing unit is the fixing identification code of payee's dispense needles to this payee according to the application of payee; Described payee's interface unit is provided with the communication interface with information carrying capacity; The fixing identification code that Invoice Number distributes and processing unit distributes is passed to payee by described payee's interface unit, and receive the shroff account number of payee's submission, this shroff account number is passed to Invoice Number to distribute and processing unit, described Invoice Number distributes and the shroff account number of fixing identification code and payee is formed corresponding relation and preserves by processing unit again; Described payment interface unit is connected with the payment services provider in described payment services system, payee generates transaction Invoice Number according to fixing identification code expansion and this transaction Invoice Number is sent to the transaction Invoice Number receiving equipment of payer, and the payment terminal of described payment services system receives the transaction Invoice Number of payer's submission, Payment Amount and payment instruction; Described payment interface unit is received in the transaction Invoice Number of payment result, Payment Amount and the correspondence that payer is provided by payment services provider after payment terminal submission payment instruction, and submit to Invoice Number distribution and processing unit, then determine that contained fixing identification code is to obtain shroff account number and this shroff account number is sent to payment services provider through payment interface unit by Invoice Number distribution and processing unit according to transaction Invoice Number; Described payment services provider obtains shroff account number according to transaction Invoice Number from Invoice Number payment platform, then pays middle account from payment account number by the Payment Amount of specifying according to payment instruction, is then given to shroff account number by clearance; Or payment services provider obtains shroff account number according to transaction Invoice Number from Invoice Number payment platform, the then direct Payment Amount that payment is specified from payment account number to shroff account number.
8. Invoice Number payment system according to claim 7, it is characterized in that, also comprise payer's interface unit, described payer's interface unit distributes with described Invoice Number and is connected with processing unit, the payment result that described Invoice Number distributes and the payment interface unit received provides by processing unit, by payer's interface unit advice and pay people, notifies payee by payee's interface unit.
9. Invoice Number payment system according to claim 7, it is characterized in that, described payment services system is banking system or the system paying tissue, described payment terminal is the special-purpose terminal of bank or pays the terminal organized, and described transaction Invoice Number receiving equipment is mobile phone, computer terminal, phone, electronics or non-electronic mailbox.
10. according to the Invoice Number payment system one of claim 7 to 9 Suo Shu, it is characterized in that, described transaction Invoice Number receiving equipment also receives the Payment Amount that payee sends.
11., according to the Invoice Number payment system one of claim 7 to 9 Suo Shu, is characterized in that, described transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.
12. according to the Invoice Number payment system one of claim 7 to 9 Suo Shu, it is characterized in that, described Invoice Number distributes and processing unit comprises the fixing identity assignments unit be connected successively, fixing identification code processing unit and Invoice Number processing unit of concluding the business, and described fixing identity assignments unit is that payee's dispense needles transmits this fixing identification code to the fixing identification code of this payee by payee's interface unit according to the application of payee; Described fixing identification code processing unit receives the shroff account number of payee's submission that payee's interface unit transmits, and the fixing identification code that this shroff account number and fixing identity assignments unit distribute is formed corresponding relation and preserves; Described transaction Invoice Number processing unit receives the transaction Invoice Number of payment result, Payment Amount and the correspondence that payment interface unit receives, and determine that the corresponding relation of the fixing identification code that contained fixing identification code stores from fixing identification code processing unit again and shroff account number obtains shroff account number according to the presumption of transaction Invoice Number, then send to payment services provider finally to complete payment through payment interface unit this shroff account number.
13. Invoice Number methods of payment, it is characterized in that, comprise the steps: Invoice Number method of payment, it is characterized in that, comprise the steps: A, be the fixing identification code of payee's dispense needles to this payee according to the application of payee, identification code will be fixed and shroff account number forms corresponding relation; B, payee expand and generate transaction Invoice Number on the basis of fixing identification code; C, payee send transaction Invoice Number to the transaction Invoice Number receiving equipment of payer; D, payer obtain transaction Invoice Number from transaction Invoice Number receiving equipment and complete payment in payment terminal input transaction Invoice Number, Payment Amount and the payment instruction of payment services system; The payment services provider of E, connection payment terminal also determines contained fixing identification code by transaction Invoice Number, thus obtains shroff account number and pay shroff account number by the Payment Amount of specifying from payment account number according to payment instruction.
14. Invoice Number methods of payment according to claim 13, is characterized in that, after execution of step A or B, also perform following step:
B ', by the Receiving information of payee with transaction Invoice Number form corresponding relation, described Receiving information comprises Payment Amount.
15. Invoice Number methods of payment according to claim 13, is characterized in that, described transaction Invoice Number is the different digital value of adding a location number in the rear end of fixing identification code.
16., according to claim 13 to the Invoice Number method of payment one of 15 described, is characterized in that, the transmission in above-mentioned step C comprises by short message sending, Email transmissions, Advise By Wire, mailing transmission, data communication transmission or express delivery transmission.
17. according to claim 13 to the Invoice Number method of payment one of 15 described, it is characterized in that, above-mentioned E step payment services provider obtains shroff account number according to transaction Invoice Number, then the Payment Amount of specifying is paid to shroff account number according to payment instruction from payment account number, or pay middle account from payment account number by described Payment Amount, then forward the Payment Amount of specifying to shroff account number by clearance service from middle account.
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| CN201010525536.7A CN101964093B (en) | 2010-10-29 | 2010-10-29 | Invoice Number method of payment, payment platform and payment system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102624877A (en) * | 2012-02-23 | 2012-08-01 | 深圳市龙视传媒有限公司 | Bill synchronization method, business device, tent device and system |
| CN103020815A (en) * | 2012-12-10 | 2013-04-03 | 北京掌上汇通科技发展有限公司 | Method, device and system for processing payment transaction |
| CN106960348B (en) * | 2017-03-24 | 2020-07-03 | 泰华智慧产业集团股份有限公司 | Payment docking method and payment docking system |
| CN109583855A (en) * | 2018-10-22 | 2019-04-05 | 中国平安人寿保险股份有限公司 | Payment funding method, apparatus, computer equipment and storage medium |
| CN110084897B (en) * | 2019-03-27 | 2022-09-16 | 西安艾润物联网技术服务有限责任公司 | Charging method, system, device and computer readable storage medium |
| CN111626728A (en) * | 2020-05-25 | 2020-09-04 | 上海中通吉网络技术有限公司 | Business clerk single number deduction method, device, equipment and storage medium |
| CN112766952B (en) * | 2021-01-28 | 2024-03-29 | 杉德银卡通信息服务有限公司 | Multi-payment terminal and multi-cash register collection method and system |
| CN113496395B (en) * | 2021-05-25 | 2022-09-09 | 城家酒店管理有限公司 | Payment method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101165716A (en) * | 2006-10-16 | 2008-04-23 | 祁勇 | Electronic payment procedure based on transaction code |
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| CN101165716A (en) * | 2006-10-16 | 2008-04-23 | 祁勇 | Electronic payment procedure based on transaction code |
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Address after: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 7 808 Applicant after: Lakala Payment Co., Ltd. Address before: 100097 Beijing Haidian District Zizhuyuan Road No. 116 gladful international center block D No. 805 Applicant before: Beijing Lakala Network Technology Co., Ltd. |
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Address after: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 6 706 Patentee after: Kara payment Limited by Share Ltd Address before: 100080 Beijing city Haidian District Danleng Street No. 6 Building 1 7 808 Patentee before: Lakala Payment Co., Ltd. |
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