CN102968715A - Payment control method and system based on credit data - Google Patents
Payment control method and system based on credit data Download PDFInfo
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- CN102968715A CN102968715A CN2012104335471A CN201210433547A CN102968715A CN 102968715 A CN102968715 A CN 102968715A CN 2012104335471 A CN2012104335471 A CN 2012104335471A CN 201210433547 A CN201210433547 A CN 201210433547A CN 102968715 A CN102968715 A CN 102968715A
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Abstract
The invention provides a payment control method and a system based on credit data. The method includes that a third-party payment platform receives payment requests sent by a merchant server; whether the state of a merchant is normal is judged, if the state is normal, a user is prompted to input credit account information, whether the state of a credit account is normal and an available amount is larger than or equal to an order amount are judged, if the state is normal and the available amount is larger than or equal to an order amount, deduction treatment of the credit account, collection treatment of the merchant and calculation treatment of transaction procedure fees are performed. The third-party payment platform provides a credit account with a certain amount and a payment day for users at different merchants respectively according to parameter values of users, in an available amount, users can complete safe network transaction in the condition that actual cash payment is produced without banks, and accordingly, the capital turnover efficiency is accelerated, and fund yields of industry chains are improved.
Description
Technical field
The present invention relates to network data transmission control technology field, particularly relate to a kind of payment control method and system of credit-based data.
Background technology
Third party's payment has developed into most important tie in the network payment industrial chain, it connects bank on the one hand, process a series of activities such as capital settlement, customer service, mistake processing, connecting again on the other hand numerous trade companies, the payment transaction of trade company can be accessed smoothly.The one-stop access service of third party's payment makes bank and the both sides of trade company all avoid the one to one sky high cost of access, and loaded down with trivial details business operation mode.Existing third party's payment can integrated domestic majority commercial bank, the function for the user provides payment gateway has solved the payment bottleneck problem in the ecommerce to a certain extent.
But existing third party's payment provides the service of pure technology gateway accessing, namely docks each banking system by third party's payment gateway, and trade company is by serving with the bank card on-line payment to fetching on the realization trade company sale website of third party's payment gateway.Therefore this gateway modes of payments has following shortcoming: in the more situation of channel of distribution level, the length that trade company's receipt on account time can be very causes efficiency of fund operations low, and operation cost is high, and transaction risk is large.
Although bank also provides financing product or credit services, and alleviate thus trade company because of the low fund difficiency problem that produces of efficiency of fund operations, can't fundamentally solve long problem of trade company's receipt on account time.
Summary of the invention
Technical matters to be solved by this invention provides a kind of payment control method of credit-based data, can solve the problem that efficiency of fund operations is not high, the industrial chain dollar return is low of existing online payment system.
The present invention also provides a kind of payment control system of credit-based data, to guarantee the practical application of said method.
In order to address the above problem, the invention discloses a kind of payment control method of credit-based data, the system that carries out described method comprises third party's payment platform, described method comprises:
The payment request step: third party's payment platform receives the payment request that the user sends by merchant server, and described payment required parameter comprises trade company number, order number and the order amount of money;
The state determining step: whether the state of judging described trade company is normal, if carry out subsequent step;
The account input step: prompting user input credit accounts information, described credit accounts information comprise that the user is at the credit accounts of this trade company number;
The account determining step: whether the state of judging described credit accounts is normal, and whether avail is more than or equal to the order amount of money, if carry out subsequent step;
The transaction execution in step: the gathering of carrying out withhold processings, the described trade company of described credit accounts is processed and the computing of the service charge of concluding the business.
Preferably, described payment required parameter comprises that also minute account is detailed; Described state determining step also comprises: whether the state of judging minute account is normal; Described transaction execution in step also comprises: the gathering of carrying out described minute account is processed.
Preferably, described payment required parameter also comprises gateway number; Described state determining step also comprises: whether the payment gateway of judging described trade company is in opening state.
Preferably, described credit accounts information also comprises operator corresponding to described credit accounts number and trading password, and wherein, each credit accounts comprises one or more operators; Described account determining step also comprises: whether the corresponding relation of judging described operator and described credit accounts is correct, and whether described trading password is correct, if carry out subsequent step.
Preferably, described method also comprises the refund step: third party's payment platform generates bill according to user's the credit account phase in the odd-numbered day of entering an item of expenditure in the accounts, and the user carries out refunding under online online refund or the line according to described bill.
Preferably, described credit accounts is just the revolver account of single-candidate recovery credit line or the newly automatic acyclic credit accounts that recovers current credit line in full of account phase after refunding.
According to another preferred embodiment of the present invention, a kind of payment control system of credit-based data is disclosed, comprise third party's payment platform, merchant server and user terminal, wherein: described third party's payment platform specifically comprises payment request receiving unit, the first state judging unit, accounts information input block, the first account judging unit and the first transaction performance element; Described payment request receiving unit be used for to receive the payment request that user terminal sends by merchant server, and described payment required parameter comprises trade company number, order number and the order amount of money; Described the first state judging unit is used for judging whether the state of described trade company is normal; Described accounts information input block is used for prompting user input credit accounts information, and described credit accounts information comprises that the user is at the credit accounts of this trade company number; Described the first account judging unit is used for judging whether the state of described credit accounts is normal, and whether avail is more than or equal to the order amount of money; Described the first transaction performance element is used for the first state judging unit and the first account judging unit are all returned normal payment request, the gathering of carrying out withhold processing, the described trade company of described credit accounts is processed and the computing of transaction service charge, and execution result is fed back to user terminal by merchant server; Described merchant server is used for the payment request that user terminal is submitted to is uploaded to third party's payment platform, and the execution result of third party's payment platform is fed back to user terminal; Described user terminal provides the interface of accessing third party's payment platform by merchant server for the user.
Preferably, described payment required parameter comprises that also minute account is detailed; Described system also comprises the second state judging unit and the second transaction performance element, and described the second state judging unit is used for judging whether the state of minute account is normal; Described the second transaction performance element is used for carrying out the gathering processing of described minute account.
Preferably, described payment required parameter also comprises gateway number; Described system also comprises third state judging unit, is used for judging whether the payment gateway of described trade company is in opening state.
Preferably, described credit accounts information also comprises operator corresponding to described credit accounts number and trading password, and wherein, each credit accounts comprises one or more operators; Described system also comprises the second account judging unit, be used for judging whether the corresponding relation of described operator and described credit accounts is correct, and whether described trading password is correct.
Preferably, described system also comprises the refund unit, be used for generating bill according to user's the credit account phase in the odd-numbered day of entering an item of expenditure in the accounts, and, receive the user according to described bill carry out online online refund or line under refund.
Preferably, described credit accounts for after refunding just single-candidate recover the revolver account of credit line, or the new account phase is recovered the acyclic credit accounts of current credit line in full automatically.
Compared with prior art, the present invention has the following advantages:
Third party's payment platform respectively provides a certain amount and the credit accounts of account phase for the user in different trade companies according to user's parameters value (such as qualification, management condition and transactions history etc.), in available amount, the user can not produce in the situation of actual funds payment by bank, finish safe network trading, thereby speed up capital turnover efficient improves the industrial chain dollar return.
In the further preferred embodiment of the present invention, by the receivable golden one-time payment of minute account detail with retail traders at different levels, further speed up capital turnover efficient; Judge that by trade company's payment gateway the corresponding relation of operator and described credit accounts is judged, and the trading password judgement, can further improve the security of online payment.
Description of drawings
Fig. 1 is the process flow diagram that the present invention is based on payment control method first embodiment of credit data;
Fig. 2 is the process flow diagram that the present invention is based on payment control method second embodiment of credit data;
Fig. 3 is the structural representation that the present invention is based on payment control system one embodiment of credit data.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, before the present invention is further detailed explanation with embodiment by reference to the accompanying drawings, paper was controlled relevant several concepts with network payment once:
Trade company: the Cooperation side of third party's payment platform generally provides the platform of network selling, and provides online payment services by docking with third party's payment platform as the user who does shopping at trade company's sales platform.
The user: be generally understood as the buyer, platform is done shopping in trade company, and finishes on-line payment by the payment channel (bank card or other virtual account) that third party's payment platform provides.Refer in particular to the buyer who uses third party's payment platform credit accounts to carry out on-line payment herein.
Third party's payment platform: by dock the on-line payment passage that its sales platform is provided for trade company with commerce system, trade company of side finishes gathering; For the user offers the credit accounts that can pay at trade company's platform, for the user provides the online credit accounts modes of payments.
Divide account: in the payment transaction process, if beneficiary also has other beneficiary except trade company, third party's payment platform system can realize in real time minute account, minute account detail content that to be third party's payment platform submit in the payment request according to trade company, with the gathering fund keep accounts in real time respectively to these beneficiaries in the virtual account of third party's payment platform.
Account: its virtual account at third party's payment platform that third party's payment platform is opened for the user, and can under the account, open credit accounts, the user can use cash account or the credit accounts under the account to carry out on-line payment.
Credit accounts: the account with certain credit line of opening on user third party's payment platform virtual account basis, the sub-account of credit of different trade companies under can supporting to open, and specify the credit line in the sub-account of credit under corresponding affiliated trade company, can pay.
Operator number: each third party's payment platform account can support many people to use, and each user who is same account opens an operator number separately, uses operator separately number to pay when payment.
The sub-account of collecting money: in minute account process of exchange, as beneficiary the virtual account of third party's payment platform must be arranged, and must open in the virtual account and be specifically designed to the sub-account of collecting money at corresponding trade company platform.The platform gathering need to be offered respectively the sub-account of different gatherings in different trade companies.
With reference to Fig. 1, show the flow process of payment control method the first embodiment that the present invention is based on credit data, specifically may further comprise the steps:
Step S101: third party's payment platform receives the payment request that the user sends by merchant server; Above-mentioned payment required parameter comprises trade company number, order number and the order amount of money;
Step S102: whether the state of judging above-mentioned trade company is normal, if turn step S103; Otherwise, return error message;
Step S103: prompting user input credit accounts information, above-mentioned credit accounts information comprise that the user is at the credit accounts of this trade company number;
Step S104: whether the state of judging above-mentioned credit accounts is normal, and whether avail is more than or equal to the order amount of money, if turn step S105; Otherwise, return error message;
Step S105: the gathering of carrying out withhold processing, the trade company of above-mentioned credit accounts is processed and the computing of transaction service charge; And execution result fed back to the user by merchant server.
With reference to Fig. 2, show the flow process of payment control method the second embodiment that the present invention is based on credit data, specifically comprise:
Step S201: the user selects goods to place an order and initiates payment request in merchant website;
Merchant website is submitted following payment required parameter to according to third party's payment platform interface:
Step S202: third party's payment platform checking trade company submits the legitimacy of parameter to; If turn step S203; Otherwise, return error message;
In this preferred embodiment, after the legitimacy of checking above-mentioned parameter, also comprise the signature verification step; If authentication failed then reports an error; Be proved to be successful and then enter step S203;
Step S203: third party's payment platform judges whether transaction trade company state is normal; If turn step S204; Otherwise, return error message;
Step S204: whether third party's payment platform checking trade company credit payment gateway is open-minded; If turn step S205; Otherwise, return error message;
Step S205: when payment comprises that minute account is detailed in the required parameter, judge minute account side account status, whether reach subordinate's sub-account status of collecting money normal.If turn step S206; Otherwise (account of beneficiary does not exist/closes/un-activation, and the sub-account of perhaps collecting money is not opened or closed), return error message;
Step S206: third party's payment platform determines whether repeat business:
If repeat business is then obtained former Transaction Information and is judged that former stateful transaction is whether for successfully.If successful then report an error; If not success judges then whether the order amount of money, minute account information etc. are identical; If identical, then turn step S207;
If not repeat business then turns step S207;
Step S207: jump to the third party's payment platform payment page, prompting user input credit accounts operator number and trading password, user's rear click payment button of being totally lost is submitted payment transaction to, and third party's payment platform makes the following judgment:
Step S207-1: third party's payment platform account of judging payment operation person's correspondence whether exist and account status whether normal.If do not exist or account exists but state improper (closing/freeze/cancellation) then returns error message; Otherwise turn step S207-2;
In this preferred embodiment, for further increasing the security of network payment and the extensibility of system, for each credit accounts is provided with one or more operators, and corresponding trading password is set for each operator.
Step S207-2: judge whether credit accounts under third party's payment platform account has been opened and whether account status is normal.If credit accounts state improper (not opening/freeze/close/cancellation) then returns error message; Otherwise, turn step S208-3;
Step S207-3: judge whether payment operation person's state is normal, if abnomal condition (closing/un-activation/coded lock) is then returned error message; Otherwise, turn step S207-4;
Step S207-4: judge whether payment operation person's trading password is correct.If mistake is then returned error message, and the misregistration number of times; If correct, then turn step S208;
Step S208: judge that whether the credit accounts avail is more than or equal to payment; If turn step S209; Otherwise, return error message;
Assessment for the user credit amount, third party's payment platform is except some certificates that must provide of audit user, also need in existing subscriber's information recording/and transactions history, to gather the parameters values such as registered capital, trading volume, establishment time, the relevant qualification of user and other objective factor, by the assessment algorithm of science, whether assessment can the user set up credit accounts.If set up, then automatically set up credit accounts, and set credit line, account phase etc. according to above-mentioned parameters value.
Step S209: third party's payment platform is paid the gathering accounting processing in real time, finishes the backward trade company of accounting processing and returns transaction processing and reply; Comprise:
(1) carries out the accounting processing of withholing of corresponding credit accounts amount;
(2) carry out trade company/minute account side's gathering accounting processing;
(3) calculate in real time the transaction service charge
The user after using third party's payment platform credit accounts to pay, follow-up will the refund according to the credit bill of third party's payment platform, refund step S210 wherein comprises:
Step S210-1: generate the credit bill
Third party's payment platform for the user opens credit accounts simultaneously can be by third party's payment platform for it sets the corresponding credit account phase, namely provide the odd-numbered day of entering an item of expenditure in the accounts, repayment date, basic credit line, interim credit line, the information such as revolver whether.
After the user uses credit accounts to pay, third party's payment platform will generate the credit bill in the odd-numbered day of entering an item of expenditure in the accounts according to the user the corresponding credit account phase automatically.
Step S210-2: the credit bill is refunded
Can adopt mode of repayment under online refund or the line.
The online refund: the user can login the user platform inquiry bill information that third party's payment platform provides, and refunds on the net by the mode that the Internet bank card is supplemented with money.
Refund under the line: the user can by alternate manner (as bank card transfer accounts, remittance etc.) the refund fund is given to third party's payment platform, be that the user carries out the operation of refunding of follow-up bill by third party's payment platform staff by the management backstage.
Whether third party's payment platform system can automatically answer the repayment date inquiry to be used for bill the user and fully refund, if the fund of then automatically taking off from the cash account of user third party's payment platform account of refunding in full is gone back bill automatically, if should refund everyday eventually, the user does not also have in full the refund, then third party's payment platform system is with autoshutdown user's credit accounts, and the user can't carry out delivery operation again.
Step S210-3: credit line is recovered
Third party's payment platform credit line pattern is divided into following two kinds:
Revolver: only have after the refund just single-candidate to recover credit line;
Acyclic credit: the new account phase, whether refund and all automatically recover current credit line in full.
For aforesaid each embodiment of the method, simple in order to describe, so it all is expressed as a series of combination of actions, but those skilled in the art should know, the present invention is not subjected to the restriction of described sequence of movement, because according to the present invention, some step can adopt other orders or carry out simultaneously; Secondly, those skilled in the art should know that also said method embodiment all belongs to preferred embodiment, and related action and module might not be that the present invention is necessary.
With reference to Fig. 3, show the structured flowchart of payment control system one embodiment that the present invention is based on credit data, comprise third party's payment platform 31, merchant server 32 and user terminal 33, wherein:
Merchant server 32: be used for the payment request that user terminal 33 is submitted to is uploaded to third party's payment platform 31, and the execution result of third party's payment platform 31 is fed back to user terminal 33;
User terminal 33: the interface of accessing third party's payment platforms 31 by merchant server 32 is provided for the user;
Third party's payment platform 31: specifically comprise payment request receiving unit 31-1, the first state judging unit 31-2, accounts information input block 31-3, the first account judging unit 31-4 and the first transaction performance element 31-5, and, the second state judging unit 31-6, the second transaction performance element 31-7, third state judging unit 31-8, the second account judging unit 31-9 and refund unit 31-0;
Payment request receiving unit 31-1 is used for receiving the payment request that user terminal 33 sends by merchant server 32; Wherein, the payment required parameter comprises trade company number, order number, the order amount of money, minute account detail, gateway number
The first state judging unit 31-2 is for judging whether trade company and user be normal at the state of the credit accounts of this trade company;
Accounts information input block 31-3 is used for prompting user input credit accounts information, and described credit accounts information comprises that the user is at operator corresponding to the credit accounts of this trade company number, credit accounts number and trading password;
The first account judging unit 31-4 is used for judging whether the state of above-mentioned credit accounts is normal, and whether avail is more than or equal to the order amount of money;
The first transaction performance element 31-5 is used for the first state judging unit 31-2 and the first account judging unit 31-4 are returned normal payment request, the gathering of carrying out withhold processings, the trade company of credit accounts is processed and the computing of the service charge of concluding the business, and execution result is fed back to user terminal 33 by merchant server 32;
The second state judging unit 31-6 is used for judging whether the state of minute account is normal;
The second transaction performance element 31-7 is used for carrying out the gathering processing of minute account;
Third state judging unit 31-8 is used for judging whether the payment gateway of corresponding trade company is in opening state before the first transaction performance element 31-5 and the second transaction performance element 31-7; If do not have open-mindedly, then cancel follow-up transaction implementation;
Whether the second account judging unit 31-9 is correct with the corresponding relation of credit accounts for decision operation person before the first transaction performance element 31-5 and the second transaction performance element 31-7, and whether described trading password is correct; If not, then cancel follow-up transaction implementation;
Wherein, each credit accounts is provided with one or more operators;
Refund unit 31-0 generates bill for the credit account phase according to the user in the odd-numbered day of entering an item of expenditure in the accounts, and, receive the user according to refunding under refund or the line online that described bill is carried out on the net.
Need to prove that said apparatus embodiment belongs to preferred embodiment, related unit and module might not be that the present invention is necessary.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed is and the difference of other embodiment that identical similar part is mutually referring to getting final product between each embodiment.For system embodiment of the present invention because itself and embodiment of the method basic simlarity, so describe fairly simple, relevant part gets final product referring to the part explanation of embodiment of the method.
More than payment control method and the system of a kind of credit-based data provided by the present invention is described in detail, used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (12)
1. the payment control method of credit-based data is characterized in that, the system that carries out described method comprises third party's payment platform, and described method comprises:
The payment request step: third party's payment platform receives the payment request that the user sends by merchant server, and described payment required parameter comprises trade company number, order number and the order amount of money;
The state determining step: whether the state of judging described trade company is normal, if carry out subsequent step;
The account input step: prompting user input credit accounts information, described credit accounts information comprise that the user is at the credit accounts of this trade company number;
The account determining step: whether the state of judging described credit accounts is normal, and whether avail is more than or equal to the order amount of money, if carry out subsequent step;
The transaction execution in step: the gathering of carrying out withhold processings, the described trade company of described credit accounts is processed and the computing of the service charge of concluding the business.
2. the method for claim 1 is characterized in that:
Described payment required parameter comprises that also minute account is detailed;
Described state determining step also comprises: whether the state of judging minute account is normal;
Described transaction execution in step also comprises: the gathering of carrying out described minute account is processed.
3. the method for claim 1 is characterized in that:
Described payment required parameter also comprises gateway number;
Described state determining step also comprises: whether the payment gateway of judging described trade company is in opening state.
4. the method for claim 1 is characterized in that:
Described credit accounts information also comprises operator corresponding to described credit accounts number and trading password, and wherein, each credit accounts comprises one or more operators;
Described account determining step also comprises: whether the corresponding relation of judging described operator and described credit accounts is correct, and whether described trading password is correct.
5. the method for claim 1 is characterized in that, described method also comprises the refund step: third party's payment platform generates bill according to user's the credit account phase in the odd-numbered day of entering an item of expenditure in the accounts, and the user carries out refunding under online online refund or the line according to described bill.
6. the method for claim 1 is characterized in that:
Described credit accounts is just the revolver account of single-candidate recovery credit line or the newly automatic acyclic credit accounts that recovers current credit line in full of account phase after refunding.
7. the payment control system of credit-based data is characterized in that, comprises third party's payment platform, merchant server and user terminal, wherein:
Described third party's payment platform specifically comprises payment request receiving unit, the first state judging unit, accounts information input block, the first account judging unit and the first transaction performance element; Described payment request receiving unit be used for to receive the payment request that user terminal sends by merchant server, and described payment required parameter comprises trade company number, order number and the order amount of money; Described the first state judging unit is used for judging whether the state of described trade company is normal; Described accounts information input block is used for prompting user input credit accounts information, and described credit accounts information comprises that the user is at the credit accounts of this trade company number; Described the first account judging unit is used for judging whether the state of described credit accounts is normal, and whether avail is more than or equal to the order amount of money; Described the first transaction performance element is used for the first state judging unit and the first account judging unit are all returned normal payment request, the gathering of carrying out withhold processing, the described trade company of described credit accounts is processed and the computing of transaction service charge, and execution result is fed back to user terminal by merchant server;
Described merchant server is used for the payment request that user terminal is submitted to is uploaded to third party's payment platform, and the execution result of third party's payment platform is fed back to user terminal;
Described user terminal provides the interface of accessing third party's payment platform by merchant server for the user.
8. system as claimed in claim 7 is characterized in that, described payment required parameter comprises that also minute account is detailed; Described system also comprises the second state judging unit and the second transaction performance element, and described the second state judging unit is used for judging whether the state of minute account is normal; Described the second transaction performance element is used for carrying out the gathering processing of described minute account.
9. system as claimed in claim 7 is characterized in that, described payment required parameter also comprises gateway number; Described system also comprises third state judging unit, is used for judging whether the payment gateway of described trade company is in opening state.
10. system as claimed in claim 7 is characterized in that,
Described credit accounts information also comprises operator corresponding to described credit accounts number and trading password, and wherein, each credit accounts comprises one or more operators;
Described system also comprises the second account judging unit, be used for judging whether the corresponding relation of described operator and described credit accounts is correct, and whether described trading password is correct.
11. system as claimed in claim 7 is characterized in that, described system also comprises the refund unit, be used for generating bill according to user's the credit account phase in the odd-numbered day of entering an item of expenditure in the accounts, and, receive the user according to described bill carry out online online refund or line under refund.
12. system according to claim 7 is characterized in that:
Described credit accounts for after refunding just single-candidate recover the revolver account of credit line, or the new account phase is recovered the acyclic credit accounts of current credit line in full automatically.
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