CN103413216A - Multi-account management payment method - Google Patents
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- CN103413216A CN103413216A CN2013101818639A CN201310181863A CN103413216A CN 103413216 A CN103413216 A CN 103413216A CN 2013101818639 A CN2013101818639 A CN 2013101818639A CN 201310181863 A CN201310181863 A CN 201310181863A CN 103413216 A CN103413216 A CN 103413216A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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Abstract
Disclosed is a multi-account management payment method to solve the technical problems of there being many non-bank accounts and inconvenience in use. According to the invention, a multi-account management payment system is employed which establishes connections with various non-bank accounts and bank accounts so that management of all non-bank accounts and orderly payment in a unified manner according to the sequence of the bank accounts with set priority levels and authorization are achieved. The multi-account management payment method has the beneficial effects that management and payment are convenient, meanwhile consumable balances in all non-bank accounts can be preferably used, and solve the problems of restricted usage scenario, range and consuming amount of non-bank accounts. Unified merchant liquidation is much easier for merchants, compared with separate reconciliation and independent liquidation of current multiple systems.
Description
Affiliated technical field
The present invention relates to payment technical field under the bank account line, relate in particular to a kind of many account managements payment system.
Background technology
Along with the development of financial circles, in society, each consumer has bank account, and simultaneously almost each consumer has the non-banking accounts such as integration, bank card integration, electronic coupons, purchase card of different operators.But, when most consumers consume down online, all can only be under given conditions, a certain non-banking account of single use is paid.The non-banking accounts such as consumer's integration account, electronic coupons account all are in idle state mostly, and even these non-banking accounts were not until expired all used.Its reason is management and the method for payment inconvenience of these non-banking accounts, and more integration account, reward voucher account can only be used under very limited occasion.
Referring to accompanying drawing 1, it is the schematic diagram of present common non-banking bill payment.Under line under trade company 1 and line trade company 2 Renminbi POS terminal is arranged, this terminal is for accepting bank card consumption.Under line, there is the integration terminal that certain bank places in trade company 1, and is exclusively used in the integration consumer sale of accepting this bank.Equally, under line, trade company's 2 those integration terminals that have certain operator to place, be exclusively used in and accept the transaction of accumulated point exchanging gift.
The non-banking account is used and is inconvenient to be mainly reflected in following several respects:
1, to non-banking account management person, as telecom operators, bank etc., need in person look for trade company's negotiation, by increasing the modes such as terminal device, make the non-banking account specifying trade company to use.
2, to non-banking account user, it can not mix use with bank account, so the consumer can only, by limited consumption amount on the non-banking account, consume or be consumed on the commodity of appointment.
3, to the non-banking account person of accepting, itself and bank account transaction, respectively to trade company's clearance, increase complexity and the workload of trade company's reconciliation.
Summary of the invention
Many in order to solve in prior art the non-banking account, and use inconvenient present situation, the purpose of this invention is to provide many account managements method of payment, realize by the management to all non-banking accounts and unified priority and the bank account order of mandate payment management successively by setting.
Many account managements of the present invention method of payment is to be realized by following steps:
The method is by means of by database subsystem, the transaction processing subsystem, the clearance processing subsystem, ADMINISTRATION SUBSYSTEM, many account managements payment system that protocol processes subsystem and payment interface subsystem form realizes, database subsystem in system, the transaction processing subsystem, the clearance processing subsystem, ADMINISTRATION SUBSYSTEM, protocol processes subsystem and payment interface subsystem are set up communication contact by data bus, the transaction processing subsystem is set up communication contact through net control device and the POS terminal of consumption request input, the payment interface subsystem is by the CUPS of financial Intranet private line access bank account managing payment system, the payment interface subsystem is simultaneously by a plurality of non-banking account management of private line access payment system, it is characterized in that: the method is realized by following steps:
(1), many account managements of non-banking account management payment system mandate payment system is used the non-banking account of this system management:
(2), the holder logins the own terminal of non-banking account management payment system, after the authentication by non-banking account management payment system, input holder's account No., authorize this management of bank account and use holder's non-banking account:
(3), after this non-banking account management payment system obtains step and (2) authorize, form the subscription request message, the message that sends band signature and key is the protocol processes subsystem in the account management payment system at the most:
(4), the protocol processes subsystem in many account managements payment system receives the subscription request message of non-banking account management payment system, preserves the authorized agreement storehouse table of message to database subsystem:
(5), protocol processes subsystem in many account managements payment system to step (4) the subscription request message carry out protocol testing, check whether the subscription request message format is correct, whether correctly sign, if incorrect, the treatment state of putting this agreement of database is unsuccessfully, the signing failed receipt message of group, send to non-banking account management payment system, non-banking account management payment system is showed and is contracted unsuccessfully to the holder, process ends, if correct, after protocol testing passes through, the treatment state of putting this agreement of database is successfully, the signing success receipt message of group, send to non-banking account management payment system, non-banking account management payment system is showed and is contracted successfully to the holder, the protocol finishes check process:
(6), the holder passes through POS terminal brush bank card card, the input bank card password.The POS message of the POS terminal assembling bank card password with bank card number, the consumption amount of money, after encrypting is sent to the listening port of the payment processes subsystem in many account managements payment system through net control device:
(7), after the payment processes subsystem monitors program in many account managements payment system listens to the connection request of network control, connect, receive transaction message, at first preserve transaction message to database:
(8), (7) payment processes subsystem in many account managements payment system receives transaction message to step, check whether message format is correct, whether security code is correct, message has or not and is tampered, check whether transaction request meets the business rule inspection, if message audit does not pass through, payment processing system is set to failure to the stateful transaction of this transaction in database, organize failed receipt message, send to net control device, net control device retransmission failure receipt message is to the POS terminal, the POS terminal shows Fail Transaction information, process ends, if message audit is by entering next step:
(9), the payment processes subsystem in many account managements payment system is searched the non-banking account aggregation of authorizing this account No. to use according to account No. from the authorized agreement storehouse table of database, according to the non-banking account aggregation that trade company number can be used from searching this trade company business rule, the common factor of above-mentioned two non-banking account aggregations is the non-banking account aggregation that this transaction can be used:
(10) if this transaction also has the non-banking account to use, by the account priority orders, to corresponding non-banking account management payment system, send the consumption message by the payment interface subsystem so, otherwise, jump to step (13)
(11), the payment processes subsystem in many account managements payment system receives the consumption receipt message of non-banking account management payment system, in the tran list of database, searches former transaction by the trade company in message number, terminal number, batch number, system keeps track number:
(12), the result of the judgement of the payment processes subsystem in many account managements payment system non-banking account management payment system consumption receipt message, if the non-banking account has enough been paid this transaction, revise so the treatment state of this transaction in tran list for to process successfully, form merit receipt message, in the remarks territory of message, fill in the payment detail of non-banking account, send the success receipt message to net control device, net control device E-Packets receipt to the POS terminal.The POS terminal is printed the consumption result on POS shopping receipt, wherein the receipt remarks column is printed the payment detail of non-banking account, process ends, otherwise the deficient payment of non-banking account management is enough paid, repeating step (10):
(13), the payment processes subsystem in many account managements payment system uses the residue amount of money to be paid to bank account managing payment system, to continue to send the consumption message by the payment interface subsystem, message comprises in POS terminal message the bank card password after encrypting:
(14), the payment processes subsystem in many account managements payment system receives the consumption receipt message of bank card managing payment system, in the tran list of database, searches former transaction by the trade company in message number, terminal number, batch number, system keeps track number:
(15), the result of the payment processes subsystem judgement bank account managing payment system consumption receipt message in many account managements payment system, if bank card is withholdd successfully, revise so the treatment state of this transaction in tran list for to process successfully, form merit receipt message, in the remarks territory of message, fill in the payment detail of non-banking account, send the success receipt message to net control device, net control device E-Packets receipt to the POS terminal, the POS terminal is printed the consumption result on POS shopping receipt, wherein the receipt remarks column is printed the payment detail of non-banking account, process ends, if bank card is withholdd unsuccessfully, according to the non-banking bill payment detail in step (6) consumption message, by the payment interface subsystem, send consumption to corresponding non-banking account management payment system and cancel message, non-banking account management payment system is returned former non-banking account by the money of having detained after receiving the request of cancelling, after the EM end of message is cancelled in transmission, send the failed receipt message of consumption to net control device, net control device E-Packets receipt to the POS terminal, the POS terminal shows Fail Transaction information, the flow process of closing the trade:
(16), step (15) closes the trade after flow process, the clearance processing subsystem is detailed according to many non-banking accounts and bank account payment that same consumer sale relates to, implements according to the following steps reconciliation:
A, the reconciliation file of resolving non-banking account management payment system and the reconciliation file of bank account system, all insert the reconciliation detail list to the transaction details in the reconciliation file:
B, comparison bank card payment account detail and reconciliation detail, determine the end-state of bank card business dealing.Scanning reconciliation detail list, search this transaction according to trade company number, terminal number, batch number, system keeps track number in tran list, if can find and element of transaction such as card number, the amount of money consistent, the reconciliation state that this transaction is set is " reconciliation success "; If can find but element of transaction such as card number, the amount of money are inconsistent, the reconciliation state that this transaction is set is " reconciliation failure ", and this transaction will not participate in fund clearing:
C, get non-banking card payment account detail corresponding to transaction and the detailed contrast of reconciliation, scanning payment detail list, get the non-banking card payment account detail of transaction " reconciliation success ", according to the detailed numbering of payment, search in the reconciliation detail, if can find and key element such as account, the amount of money consistent, the reconciliation state that this payment detail is set is " reconciliation success "; If can find but element of transaction such as card number, the amount of money are inconsistent, the reconciliation state that this transaction of payment detail list is set is " reconciliation failure ", and this transaction will not participate in fund clearing:
The detailed reconciliation result of bank card payment of D, the every transaction of use is defined as the final reconciliation result of this transaction:
If the reconciliation result of the payment detail that E transaction the first stroke is later and the final reconciliation result of transaction are inconsistent, this payment detail is inserted to the reconciliation error list:
After F, execution reconciliation complete, ADMINISTRATION SUBSYSTEM according to the settlement fund of the settlement fund of the receivable bank card managing payment system payment of reconciliation result statistics, the payment of receivable non-banking card managing payment system, receivable transaction service charge, deal with trade company's settlement fund, by the payment interface subsystem, implement multi-party settlement.
The invention has the beneficial effects as follows:
1, by many account managements method of payment, the preferential interior consumable remaining sum of all non-banking accounts of using of convenient, while, solve non-banking account use scenes, scope and consume the limited problem of amount.
2, newly-increased many account managements payment system does not need to change transaction processing, improves system robustness.
3, the access to your account mode of access supports reward voucher to give a discount, compared with directly giving a discount when the transaction processing, and reduction transaction processing complexity.
4, merchant tenninal does not need newly added equipment or does too much change, reduces lower deployment cost;
5, the unified trade company's clearance of doing, separate reconciliation with current a plurality of systems and independently clear and compare, and trade company processes simpler.
The present invention is described in detail below in conjunction with accompanying drawing.
Accompanying drawing 1 is non-banking bill payment schematic flow sheet in present technology.
Accompanying drawing 2 is many account managements of the present invention method of payment schematic flow sheet.
Accompanying drawing 3 forms schematic diagram for system hardware of the present invention.
Accompanying drawing 4 is system architecture diagram for the present invention.
Accompanying drawing 5 is protocol processes subsystem processes process flow diagram of the present invention.
Accompanying drawing 6 is the processing flow chart of payment processes subsystem of the present invention.
Accompanying drawing 7 is cleared processing subsystem reconciliation processing flow chart for the present invention.
Embodiment
Referring to accompanying drawing, a kind of many account managements method of payment, the method is by means of by database subsystem, the transaction processing subsystem, the clearance processing subsystem, ADMINISTRATION SUBSYSTEM, many account managements payment system that protocol processes subsystem and payment interface subsystem form realizes, database subsystem in system, the transaction processing subsystem, the clearance processing subsystem, ADMINISTRATION SUBSYSTEM, protocol processes subsystem and payment interface subsystem are set up communication contact by data bus, the transaction processing subsystem is set up communication contact through net control device and the POS terminal of consumption request input, the payment interface subsystem is by the CUPS of financial Intranet private line access bank account managing payment system, the payment interface subsystem is simultaneously by a plurality of non-banking account management of private line access payment system, it is characterized in that: the method is realized by following steps:
(1), many account managements of non-banking account management payment system mandate payment system is used the non-banking account of this system management:
(2), the holder logins the own terminal of non-banking account management payment system, after the authentication by non-banking account management payment system, input holder's account No., authorize this management of bank account and use holder's non-banking account:
(3), after this non-banking account management payment system obtains step and (2) authorize, form the subscription request message, the message that sends band signature and key is the protocol processes subsystem in the account management payment system at the most:
(4), the protocol processes subsystem in many account managements payment system receives the subscription request message of non-banking account management payment system, preserves the authorized agreement storehouse table of message to database subsystem:
(5), protocol processes subsystem in many account managements payment system to step (4) the subscription request message carry out protocol testing, check whether the subscription request message format is correct, whether correctly sign, if incorrect, the treatment state of putting this agreement of database is unsuccessfully, the signing failed receipt message of group, send to non-banking account management payment system, non-banking account management payment system is showed and is contracted unsuccessfully to the holder, process ends, if correct, after protocol testing passes through, the treatment state of putting this agreement of database is successfully, the signing success receipt message of group, send to non-banking account management payment system, non-banking account management payment system is showed and is contracted successfully to the holder, the protocol finishes check process:
(6), the holder passes through POS terminal brush bank card card, the input bank card password.The POS message of the POS terminal assembling bank card password with bank card number, the consumption amount of money, after encrypting is sent to the listening port of the payment processes subsystem in many account managements payment system through net control device:
(7), after the payment processes subsystem monitors program in many account managements payment system listens to the connection request of network control, connect, receive transaction message, at first preserve transaction message to database:
(8), (7) payment processes subsystem in many account managements payment system receives transaction message to step, check whether message format is correct, whether security code is correct, message has or not and is tampered, check whether transaction request meets the business rule inspection, if message audit does not pass through, payment processing system is set to failure to the stateful transaction of this transaction in database, organize failed receipt message, send to net control device, net control device retransmission failure receipt message is to the POS terminal, the POS terminal shows Fail Transaction information, process ends, if message audit is by entering next step:
(9), the payment processes subsystem in many account managements payment system is searched the non-banking account aggregation of authorizing this account No. to use according to account No. from the authorized agreement storehouse table of database, according to the non-banking account aggregation that trade company number can be used from searching this trade company business rule, the common factor of above-mentioned two non-banking account aggregations is the non-banking account aggregation that this transaction can be used:
(10) if this transaction also has the non-banking account to use, by the account priority orders, to corresponding non-banking account management payment system, send the consumption message by the payment interface subsystem so, otherwise, jump to step (13)
(11), the payment processes subsystem in many account managements payment system receives the consumption receipt message of non-banking account management payment system, in the tran list of database, searches former transaction by the trade company in message number, terminal number, batch number, system keeps track number:
(12), the result of the judgement of the payment processes subsystem in many account managements payment system non-banking account management payment system consumption receipt message, if the non-banking account has enough been paid this transaction, revise so the treatment state of this transaction in tran list for to process successfully, form merit receipt message, in the remarks territory of message, fill in the payment detail of non-banking account, send the success receipt message to net control device, net control device E-Packets receipt to the POS terminal.The POS terminal is printed the consumption result on POS shopping receipt, wherein the receipt remarks column is printed the payment detail of non-banking account, process ends, otherwise the deficient payment of non-banking account management is enough paid, repeating step (10):
(13), the payment processes subsystem in many account managements payment system uses the residue amount of money to be paid to bank account managing payment system, to continue to send the consumption message by the payment interface subsystem, message comprises in POS terminal message the bank card password after encrypting:
(14), the payment processes subsystem in many account managements payment system receives the consumption receipt message of bank card managing payment system, in the tran list of database, searches former transaction by the trade company in message number, terminal number, batch number, system keeps track number:
(15), the result of the payment processes subsystem judgement bank account managing payment system consumption receipt message in many account managements payment system, if bank card is withholdd successfully, revise so the treatment state of this transaction in tran list for to process successfully, form merit receipt message, in the remarks territory of message, fill in the payment detail of non-banking account, send the success receipt message to net control device, net control device E-Packets receipt to the POS terminal, the POS terminal is printed the consumption result on POS shopping receipt, wherein the receipt remarks column is printed the payment detail of non-banking account, process ends, if bank card is withholdd unsuccessfully, according to the non-banking bill payment detail in step (6) consumption message, by the payment interface subsystem, send consumption to corresponding non-banking account management payment system and cancel message, non-banking account management payment system is returned former non-banking account by the money of having detained after receiving the request of cancelling, after the EM end of message is cancelled in transmission, send the failed receipt message of consumption to net control device, net control device E-Packets receipt to the POS terminal, the POS terminal shows Fail Transaction information, the flow process of closing the trade:
(16), step (15) closes the trade after flow process, the clearance processing subsystem is detailed according to many non-banking accounts and bank account payment that same consumer sale relates to, implements according to the following steps reconciliation:
A, the reconciliation file of resolving non-banking account management payment system and the reconciliation file of bank account system, all insert the reconciliation detail list to the transaction details in the reconciliation file:
B, comparison bank card payment account detail and reconciliation detail, determine the end-state of bank card business dealing.Scanning reconciliation detail list, search this transaction according to trade company number, terminal number, batch number, system keeps track number in tran list, if can find and element of transaction such as card number, the amount of money consistent, the reconciliation state that this transaction is set is " reconciliation success "; If can find but element of transaction such as card number, the amount of money are inconsistent, the reconciliation state that this transaction is set is " reconciliation failure ", and this transaction will not participate in fund clearing:
C, get non-banking card payment account detail corresponding to transaction and the detailed contrast of reconciliation, scanning payment detail list, get the non-banking card payment account detail of transaction " reconciliation success ", according to the detailed numbering of payment, search in the reconciliation detail, if can find and key element such as account, the amount of money consistent, the reconciliation state that this payment detail is set is " reconciliation success "; If can find but element of transaction such as card number, the amount of money are inconsistent, the reconciliation state that this transaction of payment detail list is set is " reconciliation failure ", and this transaction will not participate in fund clearing:
The detailed reconciliation result of bank card payment of D, the every transaction of use is defined as the final reconciliation result of this transaction:
If the reconciliation result of the payment detail that E transaction the first stroke is later and the final reconciliation result of transaction are inconsistent, this payment detail is inserted to the reconciliation error list:
After F, execution reconciliation complete, ADMINISTRATION SUBSYSTEM according to the settlement fund of the settlement fund of the receivable bank card managing payment system payment of reconciliation result statistics, the payment of receivable non-banking card managing payment system, receivable transaction service charge, deal with trade company's settlement fund, by the payment interface subsystem, implement multi-party settlement.
As specific embodiment, suppose that this transaction overall consumption is 200 yuan, can use certain operator's integration and certain bank card integration.So, to certain operator's integrating system transmission amount of money, be at first the expired consumption order of 200 yuan, operator's integrating system returns to real button 50, and remaining the amount of money to be paid is 150.Then, to certain bank card integrating system transmission amount of money, be the expired consumption order of 150 yuan, the bank card integrating system returns to real button 100, and remaining the amount of money to be paid is 50.Finally, to the bank card paying system transmission amount of money, be 50 consumption order, complete the payment of last 50 yuan.
Referring to accompanying drawing 3, the hardware of the system that the embodiment of the present invention relates to formation comprises: application server, database server and management server be totally three station servers, and a coding machine and a set of disk array memory device.Wherein, the two-node cluster hot backup each other of application server and database server, and shared disk array stores.Database Systems are deployed on database server, and transaction processing subsystem, clearance processing subsystem, payment interface subsystem, protocol processes subsystem are deployed on application server, and ADMINISTRATION SUBSYSTEM is deployed on management server.
Referring to accompanying drawing 4, in the embodiment of the present invention, many account managements payment system comprises: Database Systems, transaction processing subsystem, clearance processing subsystem, ADMINISTRATION SUBSYSTEM, payment interface subsystem.The POS terminal is carried out message interaction by net control device and transaction processing subsystem, and the payment interface subsystem is by the financial Intranet private line access CUPS of Unionpay.The payment interface subsystem is by private line access non-banking account management payment system, as bank card integrating system, operator's integrating system, reward voucher account system etc.
In the embodiment of the present invention, the treatment scheme of protocol processes subsystem is referring to accompanying drawing 5.
In the embodiment of the present invention, pay the treatment scheme of processing subsystem referring to accompanying drawing 6.
In the embodiment of the present invention, the reconciliation flow process of clearance processing subsystem is referring to accompanying drawing 7.
The payment interface subsystem is done the message conversion between universal account payment interface and bank account system interface and non-banking account system interface.The universal account payment interface comprises the inquiry into balance message interface, supplements message interface with money, consumes message interface, consumes and cancel message interface.The function of clearance subsystem is to carry out and the reconciliation of bank account managing payment system, the reconciliation of non-banking account management payment system, transaction funds calculating, account formality charge calculating, trade company's service charge calculating, mistake transaction processing etc.
The function of ADMINISTRATION SUBSYSTEM is merchant tenninal management, terminal key management, account formality charge tariff management, trade company's service charge tariff management, the configuration of non-banking account system routing parameter, the management of non-banking account system priority, other Business Rule Management.
Claims (1)
1. account management method of payment more than a kind, the method is by means of by database subsystem, the transaction processing subsystem, the clearance processing subsystem, ADMINISTRATION SUBSYSTEM, many account managements payment system that protocol processes subsystem and payment interface subsystem form realizes, database subsystem in system, the transaction processing subsystem, the clearance processing subsystem, ADMINISTRATION SUBSYSTEM, protocol processes subsystem and payment interface subsystem are set up communication contact by data bus, the transaction processing subsystem is set up communication contact through net control device and the POS terminal of consumption request input, the payment interface subsystem is by the CUPS of financial Intranet private line access bank account managing payment system, the payment interface subsystem is simultaneously by a plurality of non-banking account management of private line access payment system, it is characterized in that: the method is realized by following steps:
(1), many account managements of non-banking account management payment system mandate payment system is used the non-banking account of this system management:
(2), the holder logins the own terminal of non-banking account management payment system, after authentication by non-banking account management payment system, input holder's account No., non-banking account and the bank account of authorizing many account managements payment system management and using holder:
(3), this non-banking account management payment system is according to step mandate (2), forms the subscription request message, the message that sends band signature and key is the protocol processes subsystem in the account management payment system at the most:
(4), the protocol processes subsystem in many account managements payment system receives the subscription request message of non-banking account management payment system, preserves the authorized agreement storehouse table of message to database subsystem:
(5), protocol processes subsystem in many account managements payment system to step (4) the subscription request message carry out protocol testing, check whether the subscription request message format is correct, whether correctly sign, if incorrect, the treatment state of putting this agreement of database is unsuccessfully, form signing failed receipt message, send to non-banking account management payment system, non-banking account management payment system is showed and is contracted unsuccessfully to the holder, process ends, if correct, after protocol testing passes through, the treatment state of putting this agreement of database is successfully, form signing success receipt message, send to non-banking account management payment system, non-banking account management payment system is showed and is contracted successfully to the holder, the protocol finishes check process:
(6), the holder is by POS terminal brush bank card card, the POS message of input bank card password, the POS terminal assembling bank card password with bank card number, the consumption amount of money, after encrypting is sent to the listening port of the payment processes subsystem in many account managements payment system through net control device:
(7), after the payment processes subsystem monitors program in many account managements payment system listens to the connection request of network control, connect, receive transaction message, at first preserve transaction message to database:
(8), (7) payment processes subsystem in many account managements payment system receives transaction message to step, check whether message format is correct, whether security code is correct, message has or not and is tampered, check whether transaction request meets the business rule inspection, if message audit does not pass through, payment processing system is set to failure to the stateful transaction of this transaction in database, organize failed receipt message, send to net control device, net control device retransmission failure receipt message is to the POS terminal, the POS terminal shows Fail Transaction information, process ends, if message audit is by entering next step:
(9), the payment processes subsystem in many account managements payment system is searched the non-banking account aggregation of authorizing this account No. association according to account No. from the authorized agreement storehouse table of database, according to the non-banking account aggregation that trade company number can be used from searching this trade company business rule, the common factor of above-mentioned two non-banking account aggregations is the non-banking account aggregation that this transaction can be used:
(10) if this transaction has a plurality of non-banking accounts to use, by the account priority orders, to corresponding non-banking account management payment system, send the consumption message by the payment interface subsystem so, otherwise, jump to step (13):
(11), the payment processes subsystem in many account managements payment system receives the consumption receipt message of non-banking account management payment system, in the tran list of database, searches former transaction record by the trade company in message number, terminal number, batch number, system keeps track number:
(12), the payment processes subsystem in many account managements payment system is according to the result of former transaction record judgement non-banking account management payment system consumption receipt message, if the non-banking account has enough been paid this transaction, revise so the treatment state of this transaction in former trading record sheet for to process successfully, form merit receipt message, in the remarks territory of message, fill in the payment detail of non-banking account, send the success receipt message to net control device, net control device E-Packets receipt to the POS terminal.The POS terminal is printed the consumption result on POS shopping receipt, wherein the receipt remarks column is printed the payment detail of non-banking account, process ends, otherwise, the deficient payment of non-banking account management is enough paid, and all non-banking accounts of repeating step (10) are enough payments not, enter next step:
(13), the payment processes subsystem in many account managements payment system uses the residue amount of money to be paid to bank account managing payment system, to continue to send the consumption message by the payment interface subsystem, message comprises in POS terminal message the bank card password after encrypting:
(14), the payment processes subsystem in many account managements payment system receives the consumption receipt message of bank card managing payment system, in the tran list of database, searches former transaction record by the trade company in message number, terminal number, batch number, system keeps track number:
(15), the result of the payment processes subsystem judgement bank account managing payment system consumption receipt message in many account managements payment system, if bank card is withholdd successfully, revise so the treatment state of this transaction record in tran list for to process successfully, form merit receipt message, in the remarks territory of message, fill in the payment detail of non-banking account, send the success receipt message to net control device, net control device E-Packets receipt to the POS terminal, the POS terminal is printed the consumption result on POS shopping receipt, wherein the receipt remarks column is printed the payment detail of non-banking account, process ends, if bank card is withholdd unsuccessfully, according to the non-banking bill payment detail in step (6) consumption message, by the payment interface subsystem, send consumption to corresponding non-banking account management payment system and cancel message, non-banking account management payment system is returned former non-banking account by the money of having detained after receiving the request of cancelling, after the EM end of message is cancelled in transmission, send the failed receipt message of consumption to net control device, net control device E-Packets receipt to the POS terminal, the POS terminal shows Fail Transaction information, the flow process of closing the trade:
(16), after step (15) finishes the Successful Transaction flow process, the clearance processing subsystem is detailed according to many non-banking accounts and bank account payment that same consumer sale relates to, implements according to the following steps reconciliation:
A, the reconciliation file of resolving non-banking account management payment system and the reconciliation file of bank account system, all insert the reconciliation detail list to the transaction details in the reconciliation file:
B, comparison bank card payment account detail and reconciliation detail, determine the end-state of bank card business dealing.Scanning reconciliation detail list, search this transaction according to trade company number, terminal number, batch number, system keeps track number in tran list, if can find and element of transaction such as card number, the amount of money consistent, the reconciliation state that this transaction is set is " reconciliation success "; If can find but element of transaction such as card number, the amount of money are inconsistent, the reconciliation state that this transaction is set is " reconciliation failure ", and this transaction will not participate in fund clearing: _
C, get non-banking card payment account detail corresponding to transaction and the detailed contrast of reconciliation, scanning payment detail list, get the non-banking card payment account detail of transaction " reconciliation success ", according to the detailed numbering of payment, search in the reconciliation detail, if can find and key element such as account, the amount of money consistent, the reconciliation state that this payment detail is set is " reconciliation success "; If can find but element of transaction such as card number, the amount of money are inconsistent, the reconciliation state that this transaction of payment detail list is set is " reconciliation failure ", and this transaction will not participate in fund clearing: _
The detailed reconciliation result of bank card payment of D, the every transaction of use is defined as the final reconciliation result of this transaction:
If the reconciliation result of the payment detail that E transaction the first stroke is later and the final reconciliation result of transaction are inconsistent, this payment detail is inserted to the reconciliation error list:
After F, execution reconciliation complete, ADMINISTRATION SUBSYSTEM according to the settlement fund of the settlement fund of the receivable bank card managing payment system payment of reconciliation result statistics, the payment of receivable non-banking card managing payment system, receivable transaction service charge, deal with trade company's settlement fund, by the payment interface subsystem, implement multi-party settlement.
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| CN201310181863.9A CN103413216B (en) | 2013-05-16 | 2013-05-16 | A kind of more account management methods of payment |
| PCT/CN2014/071346 WO2014183484A1 (en) | 2013-05-16 | 2014-01-24 | Multi-account management and payment method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310181863.9A CN103413216B (en) | 2013-05-16 | 2013-05-16 | A kind of more account management methods of payment |
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| Publication Number | Publication Date |
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| CN103413216A true CN103413216A (en) | 2013-11-27 |
| CN103413216B CN103413216B (en) | 2018-02-09 |
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| CN201310181863.9A Active CN103413216B (en) | 2013-05-16 | 2013-05-16 | A kind of more account management methods of payment |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN103413216B (en) | 2018-02-09 |
| WO2014183484A1 (en) | 2014-11-20 |
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