CN101996368A - Cross-bank batch paying method and cross-bank batch paying system - Google Patents
Cross-bank batch paying method and cross-bank batch paying system Download PDFInfo
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Abstract
The invention relates to a cross-bank batch paying method comprising the following steps of: (1) receiving a batch paying request by a third-party paying platform; (2) counting the sum of all payments in the batch treatment by the third-party paying platform and deducting the sum of the payments in a payer account; (3) creating a corresponding account of a payee by using the communication information of the payee on the third-party paying platform; (4) when paying in each time, paying a corresponding money amount to the corresponding account by the third-party paying platform and notifying the payee by using the corresponding communication information of the payee; (5) when the third-party paying platform receives a corresponding account access request of the payee, checking the identity of the payee by using the bank account information of the payee; and only the identity check is passed, allowing the payee to access the corresponding account, wherein the step by using the bank account information of the payee to check the identity of the payee further comprises the following steps of: comparing the pre-preserved bank account of the payee with a payee bank account input by a user; if same, passing the identity check; and otherwise, not passing the identity check. The invention also discloses a cross-bank batch paying system.
Description
Technical field
The present invention relates to network field, particularly a kind of cross-bank batch payment system and method.
Background technology
Along with modern information technology development, online transaction more and more is subjected to people's attention and favor.Online transaction be not subjected to region (particularly remote suburbs and counties under the jurisdiction of a large city) restriction, be not subjected to the restriction in commuter time, as long as handled the relevant formality of online consignment trade, just can be sitting in family or the office and place an order, easily realize transaction.
Particularly, along with further developing of banking, a lot of bankings all realize by Web bank.Yet, be not that what business all can be handled by Web bank, such as, just there is complicated operation in the disposable a plurality of customer payments that need be opened in different bank to account of client, realizes difficult problem.
The most common a kind of attainable mode is these banks that the client finds the client to open an account respectively, and then the account of correspondence is remitted money, and this implementation operates and bothers very much, needs send the special messenger to go to attend to the matter, and takies great amount of manpower.
Also have a kind of more common attainable mode to be now, the client of Construction Bank Mobile banking who opens as banks such as Construction Banks transfers accounts and the client of non-Construction Bank Mobile banking transferred account service.The former flow process is: mobile phone is transferred accounts to mobile phone and is supported the same city and the strange land of Construction Bank to transfer accounts, at first select signatory current account as Send only Account, import the phone number of beneficiary and the amount of money of transferring accounts again, can realize transferring accounts to the payee who opens Mobile banking's service, beneficiary has corresponding note and reminds simultaneously.The latter's flow process is: if the payee does not open Construction Bank Mobile banking, except information such as the payee's phone number and the amount of money of transferring accounts, also need to import payee name information.Transfer accounts after the submission, the payee will receive SMS Tip.The payee can go the arbitrary sales counter of Construction Bank to open an account, open Mobile banking enter the gathering menu collect money.This implementation mainly be by a tame bank as the initiator, utilize mobile communications network and bank's built-in system to finish payment and handle.But this method has a significant limitation: usable range is limited, and needs the payee will arrive corresponding bank to open an account, very trouble.
At application number is in the application of China of 200510110383.9, applicant Shanghai Qiyeshu Network Company discloses a kind of small payment method based on portable terminal, comprise: user's phone number is related with the virtual account in the paying server, the user sends the payment authorization indication by portable terminals such as mobile phones to paying server, paying server to this authorization command resolve with data processing after, finish corresponding payment processes.The data that paying server parses comprise the beneficiary code, if the beneficiary code exists in the paying server, then find this beneficiary code corresponding virtual account, and to this virtual account execution pay warrant, if there is not corresponding beneficiary code in the paying server, the virtual account that then automatic establishment is a feature with this beneficiary code is carried out pay warrant and can be sent information to beneficiary to the beneficiary virtual account of this new establishment.In addition, in this, please also point out in the file, user's virtual account and bank card can be bound, and set minimal balance and transfer accounts amount, when the amount of money in the virtual account greater than minimal balance with when transferring accounts the amount sum, the fund that paying server will exceed the minimal balance part changes corresponding bank card over to from virtual account.
Above-mentioned method of payment is to utilize portable terminal to finish payment, still, still has following problem:
At first, when paying server sent the payment authorization indication, mobile phone came the user is carried out authentication by the gateway of telecommunications the user by portable terminals such as mobile phones, and gateway is sent to paying server with authenticating result.This mode need be changed the gateway of existing telecommunications, makes it to communicate by letter with paying server foundation.This method of payment realizes that difficulty increases if the gateway of telecommunications etc. is changed.
Secondly, in the above-mentioned payment flow, paying server is set up the virtual account of beneficiary code, and expense is squeezed in this virtual account, has very many safety problems.The third party obtains the beneficiary code easily, owing to enter in the corresponding virtual account, causes the property loss of beneficiary, causes safety problem easily.
Once more, above-mentioned payment flow is very complicated, realizes that difficulty is bigger.Such as, being connected of gateway that need set up paying server and telecommunications, need set up paying server in the payment process each time, the payment user is connected with beneficiary.This payment flow is not suitable for the application of batch payment.Particularly, according to above-mentioned flow process, the paying party of batch payment need be sent to paying server by communication terminals such as mobile phones with payment information, very trouble.
Summary of the invention
The application's purpose is to provide a kind of cross-bank batch payment method, to solve not enough, the realization complicated technology problem of security in the prior art.
The application's purpose is to provide batch payment system of a kind of bank, to solve not enough, the realization complicated technology problem of security in the prior art.
The application provides a kind of cross-bank batch payment method, comprising:
(1) third party's payment platform receives the batch payment request, comprises the communication information, user profile, payment and the beneficiary bank account of paying party account, each beneficiary in the described batch payment request;
(2) third party's payment platform is added up all payment sums in this batch processing, this payment sum of deduction in the paying party account;
(3) utilize the communication information of beneficiary to create the account of beneficiary correspondence on third party's payment platform;
When (4) paying the bill each time, third party's payment platform carries out the payment of the corresponding amount of money to the account of correspondence, and utilizes corresponding beneficiary communication information notice beneficiary;
When (5) third party's payment platform receives the request of beneficiary visit corresponding account, utilize the identity of the bank account information verification beneficiary of beneficiary, have only proof of identity to pass through, just allow the corresponding account of beneficiary visit.
Utilize the identity of the bank account information verification beneficiary of beneficiary further to comprise in the step (5): the beneficiary bank account that will preserve the bank account number of beneficiary and user's input in advance number compares, if it is identical, then the indicate identification verification is passed through, otherwise proof of identity is not passed through.
A kind of cross-bank batch payment system comprises third party's payment platform, and third party's payment platform further comprises:
Batch payment request storage unit, the communication information, user profile, payment and the beneficiary bank account that are used to store Send only Account, each beneficiary;
The account storage unit is used to store the accounts information that comprises account name, account user information corresponding, the amount of money;
The processing unit of withholing in batches is used for adding up all payment sums of this batch processing, this payment sum of deduction in the paying party account;
The payment processes unit is used to utilize the communication information of beneficiary to create the account of beneficiary correspondence, and carries out the payment of the corresponding amount of money to the account of correspondence in batches
Communications processor element is used to utilize corresponding beneficiary communication information notice beneficiary;
The account access processing unit when being used to receive the request of beneficiary visit corresponding account, utilizes the identity of the bank account information verification beneficiary of beneficiary, has only proof of identity to pass through, and just allows the corresponding account of beneficiary visit.
Compared with prior art, there is following advantage in the application:
At first, this payment process need be verified beneficiary, improve security;
Then, this payment process only need improve existing third party's payment platform, need not bank subsystem, telecommunication system are improved easier realization;
At last, this payment process step is few, realization is simple, is more suitable for this delivery operation of batch processing.
Description of drawings
Fig. 1 is the theory structure exemplary plot of cross-bank batch payment system;
Fig. 2 is the theory structure synoptic diagram of third party's payment platform;
Fig. 3 is the schematic flow sheet of cross-bank batch payment method.
Embodiment
Below in conjunction with accompanying drawing, specify the application.
See also Fig. 1, it is the theory structure exemplary plot of cross-bank batch payment system.It comprises Network Termination #1 1, third party's payment platform 12, mobile phone terminal 13 and bank subsystem 14.Network Termination #1 1, third party's payment platform 12, bank subsystem 14 can connect by the Internet.For security consideration, third party's payment platform 12 can be by each tame bank subsystem 14 of private line access.Third party's payment platform 12 is connected to mobile phone terminal 13 by wireless communication system.In order to realize the purpose of cross-bank batch payment, only need improve third party's payment platform 12, need not carry out any improvement such as bank subsystem, telecommunication system to other.
See also Fig. 2, third party's payment platform 12 further comprises server 21 and database 22.
Batch payment request storage unit 224 is used to store once the information of Request Processing in batches, comprises the payment number of Send only Account, this batch processing, the communication information, user profile, payment and the beneficiary bank account of each beneficiary.
Batch payment result storage unit 225 is used to store each time the result of Request Processing in batches, the result that withholds of Send only Account, each result of paying to beneficiary.Each result of paying to beneficiary comprises whether the account of beneficiary correspondence on third party's payment platform is activated.
The processing unit 211 of withholing in batches is used for adding up all payment sums of this batch processing, this payment sum of deduction in the paying party account.Generally, trade company directly or by special line sends batch processing requests to third party's payment platform 12 by Network Termination #1 1, carries the payment number of Send only Account, this batch processing, the information such as the communication information, user profile, payment and beneficiary bank account of each beneficiary in batch processing requests.When if Send only Account is a account on third party's payment platform 12, further judge the payment sum of this batch processing whether amount of money in the account deducted more than or equal to need, if then deduct, if not, then return the result of insufficient in amount, batch processing failure.If Send only Account is a bank account, then third party's payment platform 12 can be set up the connection of the bank subsystem 14 at this bank account place, further judge the payment sum of this batch processing whether amount of money in the account deducted more than or equal to need, if not, then return the result of insufficient in amount, batch processing failure.If, then the amount of money of correspondence can be deducted the account of offering in this bank to third party's payment platform 12 from the account, and on third party's payment platform 12, create corresponding Send only Account, this Send only Account information is saved in the account storage unit 221.
Account creation subelement 213 is used to judge that the mailbox or the phone number that whether have existed with this beneficiary are the account of account name on this third party payment platform 12, if, judge further then whether the user profile of beneficiary and the user profile in the account mate, if, then on third party's payment platform 12 already present account as the account of beneficiary correspondence.Account creation subelement 213 is searched in the first account storing sub-units 222, whether can find mailbox or the identical account name of phone number with beneficiary, if, then illustrate in existing third party's payment platform 12 and might have identical account name, then further the user profile of beneficiary and user profile in the account (as user identity card number or operation license) are compared, if it is identical, then with already present account on third party's payment platform 12 as the account of beneficiary correspondence, otherwise mailbox or the phone number of directly creating beneficiary in the second account storing sub-units 223 are the account of account name, and preserve corresponding information, this corresponding information comprises the communication information of beneficiary, user profile, information such as beneficiary bank account.
Payment processes subelement 214 is used for the account of beneficiary on third party's payment platform 12 with the payment Zhi Fuzhi correspondence of correspondence.
Communications processor element 215 is used to utilize the corresponding beneficiary communication information to notify beneficiary with payment information.Communications processor element 215 can comprise that subelement is handled in network service and mobile communication is handled subelement.The mailbox that subelement is used for payment information is sent to by the mode of mail the beneficiary correspondence is handled in network service.Mobile communication is handled the mobile phone that subelement is used for payment information is sent to by short message mode the beneficiary correspondence.The communication information of beneficiary is no matter be mailbox or mobile phone, by mail or short message mode notice during, need inform on time limit, third party's payment platform of access mode, the visit of the amount of money, third party's payment platform of this payer, payment corresponding account information etc. to it to this beneficiary.
Account access processing unit 216, when being used to receive beneficiary by Network Termination #1 1 or mobile phone terminal 13 visit corresponding account requests, utilize the identity of the bank account information verification beneficiary of beneficiary, have only proof of identity to pass through, just allow the corresponding account of beneficiary visit.Utilize the identity of the bank account information verification beneficiary of beneficiary further to comprise: the beneficiary bank account that will preserve the bank account number of beneficiary and user's input in advance number compares, if it is identical, then the indicate identification verification is passed through, otherwise proof of identity is not passed through.When requiring beneficiary input bank account, can only need the bank account number of the specific several figure places of input, only need the bank account of these several figure places number identical, could allow its visit account, such as enchashment or transfer accounts.The function that account access processing unit 216 also needs to finish is: when the account at a certain third party's payment platform place is activated, after information is deleted from the second account storing sub-units 223 with the account, be added in the first account storing sub-units 222.
Above-mentioned disclosed unit can be unit physically, also can be unit in logic.But, typically refer to logical block at present, but this is not to be used to limit the application.
See also Fig. 3, it is a kind of process flow diagram of cross-bank batch payment method.It comprises:
S110: paying party sends the batch payment request to third party's payment platform, comprises the communication information, user profile, payment and the beneficiary bank account of paying party account, each beneficiary in the described batch payment request.Paying party can be used as a network terminal, sends the batch payment request by the Internet or special line to third party's payment platform, and paying party also can be used as an intranet, sends the batch payment request by the Internet or special line to third party's payment platform.The paying party account can be the account on third party's payment platform, also can bank account.The communication information of each beneficiary is meant the communication information that can notify beneficiary, mainly is meant phone number or mail.User profile comprises user name, user's identity information.
S120: third party's payment platform receives the batch payment request, parse the corresponding data in the batch payment request after, and will preserve.
S130: third party's payment platform is added up all payment sums in this batch processing, this payment sum of deduction in the paying party account.
When if Send only Account is a account on third party's payment platform, further judge the payment sum of this batch processing whether amount of money in the account deducted more than or equal to need, if then deduct, if not, then return the result of insufficient in amount, batch processing failure.
If Send only Account is a bank account, then third party's payment platform can be set up the connection of the bank subsystem at this bank account place, and judge further that by bank subsystem the amount of money in the account is whether more than or equal to the payment sum of this batch processing of need deduction, if not, then return the result of insufficient in amount, batch processing failure.If, then the amount of money of correspondence can be deducted the account of offering in this bank to third party's payment platform from the account, and on third party's payment platform, create corresponding Send only Account, this Send only Account information is saved in the account storage unit.
S140: the account of utilizing the communication information establishment beneficiary correspondence of beneficiary on third party's payment platform.
Third party's payment platform can directly be created the beneficiary correspondence with the mailbox or the phone number of beneficiary as account name account.
In this example, third party's payment platform can also judge earlier that whether having had mailbox or phone number with this beneficiary on this platform is the account of account name, if, judge further then whether the user profile of beneficiary and the user profile in the account mate, if, then on third party's payment platform already present account as the account of beneficiary correspondence.Third party's payment platform is searched in the first account storing sub-units, whether can find mailbox or the identical account name of phone number with beneficiary, if, then illustrate in existing third party's payment platform and might have identical account name, then further the user profile of beneficiary and user profile in the account (as user identity card number or operation license) are compared, if it is identical, then with already present account on third party's payment platform as the account of beneficiary correspondence, otherwise mailbox or the phone number of directly creating beneficiary in the second account storing sub-units are the account of account name, and preserve corresponding information, this corresponding information comprises the communication information of beneficiary, user profile, information such as beneficiary bank account.
S150: when paying the bill each time, third party's payment platform carries out the payment of the corresponding amount of money to the account of correspondence.
S160: after payment finished each time, the beneficiary communication information of third party's payment platform utilization correspondence was notified beneficiary with payment information.
The communication information of beneficiary is no matter be mailbox or mobile phone, by mail or short message mode notice during, need inform on time limit, third party's payment platform of access mode, the visit of the amount of money, third party's payment platform of this payer, payment corresponding account information etc. to it to this beneficiary.
S170: beneficiary visit third party payment platform.
Beneficiary visits third party's payment platform by mobile phone terminal or by the network terminal.
S180: when third party's payment platform receives the request of beneficiary visit corresponding account, utilize the identity of the bank account information verification beneficiary of beneficiary, have only proof of identity to pass through, just allow the corresponding account of beneficiary visit.
Utilize the identity of the bank account information verification beneficiary of beneficiary further to comprise:
The beneficiary bank account of preserving the bank account number of beneficiary and user's input in advance number is compared, if identical, then the indicate identification verification is passed through, otherwise proof of identity is not passed through.
In order to improve security, third party's payment platform can also comprise:
If preserve the beneficiary bank account of the bank account number of beneficiary and user's input in advance when number identical, third party's payment platform is generation one check code further, and the beneficiary communication information of check code utilization correspondence is notified to beneficiary;
Third party's payment platform is further judged, receives the check code of user's input and the check code of local terminal and compares, if identical, then the indicate identification verification is passed through.
Allow the corresponding account of beneficiary visit also to comprise:
Third party's payment platform is set up the connection of the bank subsystem at beneficiary bank account place;
The amount of money on third party's payment platform is transferred accounts to the beneficiary bank account of correspondence.
S190: third party's payment platform returns the batch processing result.
Third party's payment platform can detect regularly which account is activated in the operation of this batch processing, and the delivery operation of the account correspondence that has been activated then can be assert and pay success.The account that is not activated, success is not paid in the delivery operation that then can authenticate account correspondence.And the result returns with batch processing.
More than disclosed only be several specific embodiment of the present invention, but the present invention is not limited thereto, any those skilled in the art can think variation, all should drop in protection scope of the present invention.
Claims (11)
1. a cross-bank batch payment method is characterized in that, comprising:
(1) third party's payment platform receives the batch payment request, comprises the communication information, user profile, payment and the beneficiary bank account of paying party account, each beneficiary in the described batch payment request;
(2) third party's payment platform is added up all payment sums in this batch processing, this payment sum of deduction in the paying party account;
(3) utilize the communication information of beneficiary to create the account of beneficiary correspondence on third party's payment platform;
When (4) paying the bill each time, third party's payment platform carries out the payment of the corresponding amount of money to the account of correspondence, and utilizes corresponding beneficiary communication information notice beneficiary;
When (5) third party's payment platform receives the request of beneficiary visit corresponding account, utilize the identity of the bank account information verification beneficiary of beneficiary, have only proof of identity to pass through, just allow the corresponding account of beneficiary visit.
2. the method for claim 1 is characterized in that, utilizes the identity of the bank account information verification beneficiary of beneficiary further to comprise in the step (5):
The beneficiary bank account of preserving the bank account number of beneficiary and user's input in advance number is compared, if identical, then the indicate identification verification is passed through, otherwise proof of identity is not passed through.
3. method as claimed in claim 2 is characterized in that, also comprises:
If preserve the beneficiary bank account of the bank account number of beneficiary and user's input in advance when number identical, third party's payment platform is generation one check code further, and the beneficiary communication information of check code utilization correspondence is notified to beneficiary;
Third party's payment platform is further judged, receives the check code of user's input and the check code of local terminal and compares, if identical, then the indicate identification verification is passed through.
4. method as claimed in claim 1 or 2 is characterized in that, allows the corresponding account of beneficiary visit also to comprise:
Third party's payment platform is set up the connection of the bank subsystem at beneficiary bank account place;
The amount of money on third party's payment platform is transferred accounts to the beneficiary bank account of correspondence.
5. method as claimed in claim 1 or 2 is characterized in that, the communication information of beneficiary comprises the mailbox or the phone number of beneficiary.
6. method as claimed in claim 5 is characterized in that, step (3) further comprises:
Third party's payment platform judges that further whether having had mailbox or phone number with this beneficiary on this platform is the account of account name, if, judge further then whether the user profile of beneficiary and the user profile in the account mate, if, then on third party's payment platform already present account as the account of beneficiary correspondence.
7. the method for claim 1 is characterized in that, step (1) also comprises before:
Paying party is created the paying party account on third party's payment platform.
8. the method for claim 1 is characterized in that, step (1) also comprises:
Third party's payment platform judges whether the paying party account is the account of this platform, and if not, then third party's payment platform is set up and is connected with the bank subsystem at paying party account place.
9. a cross-bank batch payment system is characterized in that, comprise third party's payment platform, third party's payment platform further comprises:
Batch payment request storage unit, the communication information, user profile, payment and the beneficiary bank account that are used to store Send only Account, each beneficiary;
The account storage unit is used to store the accounts information that comprises account name, account user information corresponding, the amount of money;
The processing unit of withholing in batches is used for adding up all payment sums of this batch processing, this payment sum of deduction in the paying party account;
The payment processes unit is used to utilize the communication information of beneficiary to create the account of beneficiary correspondence, and carries out the payment of the corresponding amount of money to the account of correspondence in batches;
Communications processor element is used to utilize corresponding beneficiary communication information notice beneficiary;
The account access processing unit when being used to receive the request of beneficiary visit corresponding account, utilizes the identity of the bank account information verification beneficiary of beneficiary, has only proof of identity to pass through, and just allows the corresponding account of beneficiary visit.
10. system as claimed in claim 9 is characterized in that, also comprises mobile phone terminal, and third party's payment platform is connected to mobile phone terminal by mobile terminal network.
11. system as claimed in claim 9 is characterized in that, also comprises the network terminal, third party's payment platform is connected to the network terminal by the Internet.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009101688357A CN101996368A (en) | 2009-08-21 | 2009-08-21 | Cross-bank batch paying method and cross-bank batch paying system |
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| CN2009101688357A CN101996368A (en) | 2009-08-21 | 2009-08-21 | Cross-bank batch paying method and cross-bank batch paying system |
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| CN101996368A true CN101996368A (en) | 2011-03-30 |
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