CN103413216B - A kind of more account management methods of payment - Google Patents
A kind of more account management methods of payment Download PDFInfo
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- CN103413216B CN103413216B CN201310181863.9A CN201310181863A CN103413216B CN 103413216 B CN103413216 B CN 103413216B CN 201310181863 A CN201310181863 A CN 201310181863A CN 103413216 B CN103413216 B CN 103413216B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- 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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- 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
A kind of more account management methods of payment, it is more to solve non-banking account, and in-convenience in use technical problem, the present invention uses and establishes more account management payment systems, the system and multiple non-banking accounts and bank account, which are established, to be contacted, and is realized by the management to all non-banking accounts and uniformly by the priority of setting and the bank account order that authorizes successively payment management.The beneficial effects of the invention are as follows：Management, pay convenient while preferentially use consumable remaining sum in all non-banking accounts, solve non-banking account usage scenario, scope and spending limit limitation problem.Trade company's clearance is uniformly done, compared with separately reconciliation is independently cleared with current multiple systems, trade company's processing is simpler.
Description
Art
The present invention relates to payment technical field under bank account line, more particularly to a kind of more account management payment systems.
Background technology
With the development of financial circles, each consumer has bank account in society, while almost each consumer has
The non-banking accounts such as the integrations of different operators, bank card integration, electronic coupons, purchase card.But most consumers
, all can only under given conditions during online lower consumption, single use a certain kind non-banking account is paid.The integration of consumer
The non-banking accounts such as account, electronic coupons account are mostly all in idle state, or even these non-banking accounts are until expired
All do not used.Its reason be these non-banking accounts management and method of payment it is inconvenient, it is more points accounts, preferential
Certificate account can only use under very limited occasion.
Referring to accompanying drawing 1, it is the schematic diagram of present common non-banking bill payment.Xian Xia trade companies 1 and Xian Xia trade companies 2 have
RMB POS terminal, the terminal are used to receive bank card consumption.The integration terminal that You Yigemou banks of Xian Xia trade companies 1 place, specially
For accepting the integration consumer sale of the bank.Equally, the integration terminal that You Yigemou operator of Xian Xia trade companies 2 places, specially
For accepting the transaction of accumulated point exchanging gift.
Non-banking account is in-convenience in use be mainly reflected in following several respects：
1st, to non-banking account administrator, such as telecom operators, bank need to look for trade company to negotiate in person, by increasing terminal
The modes such as equipment enable non-banking account to be used in specified trade company.
2nd, to non-banking account user, it can not be used in mixed way with bank account, so consumer can only use non-banking
Limited spending limit in account, is consumed or is consumed on the commodity specified.
3rd, to the non-banking account person of accepting, it is merchandised with bank account and cleared respectively to trade company, and increase trade company's reconciliation is answered
Miscellaneous degree and workload.
The content of the invention
Non-banking account is more in order to solve in the prior art, and in-convenience in use present situation, the purpose of the present invention is to carry
For more account management methods of payment, realize by the management to all non-banking accounts and uniformly by setting priority and award
The bank account order payment management successively of power.
The present invention is more, and account management method of payment is realized by following steps：
This method by means of by：Database subsystem, trading processing subsystem, clearance processing subsystem, management subsystem,
More account management payment systems of protocol processes subsystem and payment interface subsystem composition realize, database subset in system
System, trading processing subsystem, clearance processing subsystem, management subsystem, protocol processes subsystem and payment interface subsystem lead to
Cross data/address bus and establish communication contact, the POS terminal that trading processing subsystem inputs through net control device and consumer requests, which is established, to be communicated
Contact, payment interface subsystem pass through the CUPS of financial Intranet private line access bank account managing payment system, payment interface
System passes through the multiple non-banking account management payment systems of private line access simultaneously, it is characterised in that：This method is real by following steps
It is existing：
(1), the more account management payment systems of non-banking account management payment system mandate use the non-silver of the system administration
Row account：
（2）, holder log in non-banking account management payment system own terminal, paid by non-banking account management
After the authentication of system, the account No. of holder is inputted, authorizes the management of bank account and the non-banking using holder
Account：
（3）, the non-banking account management payment system obtains after (2) step authorizes, forming subscription request message, sending band
Protocol processes subsystem in the message at most account management payment system of signature and key：
（4）, the protocol processes subsystem in more account management payment systems receive non-banking account management payment system
Subscription request message, message is preserved to the authorized agreement storehouse table of database subsystem：
（5）, (4) subscription request message carries out agreement to step for protocol processes subsystem in more account management payment systems
Check, check whether subscription request message format is correct, whether signature is correct, if incorrect, puts the place of the database agreement
Reason state is failure, group signing failure receipt message, is sent to non-banking account management payment system, non-banking account management branch
The system of paying shows signing failure to holder, terminates flow, if correctly, protocol testing puts the database agreement by rear
Processing state is successfully, group signing success receipt message, to be sent to non-banking account management payment system, non-banking account management
Payment system is contracted successfully to holder's displaying, protocol finishes check process：
（6）, holder pass through POS terminal brush bank card card, input bank card password.POS terminal assembling carries bank card
The POS messages of bank card password after card number, spending amount, encryption are sent at most account management payment system through net control device
The listening port of payment processes subsystem：
（7）, the payment processes subsystem monitors program in more account management payment systems listen to the connection request of network control
Afterwards, connection is established, receives transaction message, preserves transaction message first into database：
（8）, the payment processes subsystem in more account management payment systems (7) transaction message is received to step, checked
Correctly whether message format, whether safety code is correct, message whether there is is tampered, and checks whether transaction request meets business rule inspection
Look into, if message audit is by the way that the stateful transaction of the transaction in database is set to failure, group failure by payment processing system
Receipt message, net control device is sent to, for net control device retransmission failure receipt message to POS terminal, POS terminal shows Fail Transaction letter
Breath, terminate flow, if message audit is by entering in next step：
（9）, the payment processes subsystem in more account management payment systems assists according to account No. from the mandate of database
View storehouse table search has authorized the non-banking account aggregation that the account No. uses, and searches the business from business rule according to trade company number
The non-banking account aggregation that family can use, the common factor of above-mentioned two non-bankings account aggregation are the non-silver that the transaction can use
Row account aggregation：
（10）If, the transaction also have non-banking account can use, then by account priority order pass through payment interface son
System sends consumption message to corresponding non-banking account management payment system, otherwise, jumps to step (13)
（11）, the payment processes subsystem in more account management payment systems receive non-banking account management payment system
Receipt message is consumed, is looked into by the trade company number in message, terminal number, batch number, system tracking number in the tran list of database
Look for former transaction：
（12）, the payment processes subsystem in more account management payment systems judge that non-banking account management payment system disappears
Take the result of receipt message, if non-banking account pays the transaction enough, then the friendship in modification tran list
Easy processing state organizes success receipt message, the payment that non-banking account is filled in the remarks domain of message is bright to handle successfully
Carefully, success receipt message is sent to net control device, and net control device E-Packets receipt to POS terminal.POS terminal is in POS shopping receipts
Upper printing consumption result, the payment of wherein receipt remarks column printing non-banking account is detailed, terminates flow, otherwise, non-banking account
Family managing payment is insufficient to pay, and repeat step is (10)：
（13）, the payment processes subsystem in more account management payment systems connect using the remaining amount of money to be paid by paying
Interface subsystem continues to send consumption message to bank account managing payment system, and message is included after being encrypted in POS terminal message
Bank card password：
（14）, the payment processes subsystem in more account management payment systems receive the consumption of bank card managing payment system
Receipt message, original is searched in the tran list of database by the trade company number in message, terminal number, batch number, system tracking number
Transaction：
（15）, the payment processes subsystem in more account management payment systems judge bank account managing payment system cost
The result of receipt message, the success if bank card is withholdd, then the processing state of the transaction is processing in modification tran list
Success, success receipt message is organized, the payment detail of non-banking account is filled in the remarks domain of message, sends success receipt report
Text gives net control device, and net control device E-Packets receipt to POS terminal, and result is consumed in POS terminal printing on POS shopping receipts, its
The payment of middle receipt remarks column printing non-banking account is detailed, terminates flow, if bank card is withholdd unsuccessfully, according to step（6）
The non-banking bill payment consumed in message is detailed, by payment interface subsystem to corresponding non-banking account management payment system
Send consumption revocation message, non-banking account management payment system receive the money detained is returned after revocation request it is former non-
Bank account, send revocation the EM end of message after, send consumption failure receipt message to net control device, net control device E-Packet receipt to
POS terminal, POS terminal show Fail Transaction information, flow of closing the trade：
（16）, step（15）After flow of closing the trade, clearance processing subsystem is related to according to same consumer sale
More non-banking accounts and bank account pay detail, implement reconciliation according to the following steps：
A, the reconciliation file of non-banking account management payment system and the reconciliation file of bank account system are parsed, right
Transaction details in account file are entirely insertable reconciliation detail list：
B, compare bank card payment account detail and reconciliation is detailed, determine the end-state of bank card business dealing.Scan reconciliation
Detail list, the transaction is searched in tran list according to trade company number, terminal number, batch number, system tracking number, if can find and
Element of transaction such as card number, the amount of money is consistent, then the reconciliation state for setting the transaction is " reconciliation success "；If it can find but merchandise
Key element such as card number, the amount of money is inconsistent, then the reconciliation state for setting the transaction is " reconciliation failure ", and the transaction will not participate in money
Gold clearance：
C, take non-banking card payment account corresponding to transaction detailed and reconciliation detail contrast, scanning pay detail list, takes friendship
The non-banking card payment account of easily " reconciliation success " is detailed, is searched according to detailed numbering is paid in reconciliation detail, if can look for
Arrive and key element such as account, the amount of money is consistent, then set this to pay detailed reconciliation state as " reconciliation success "；If can find but
Element of transaction such as card number, the amount of money is inconsistent, then it is " reconciliation failure " to set and pay the reconciliation state of the detail list transaction, the pen
Transaction will not participate in fund clearing：
D, it is defined as the final reconciliation result of the transaction using the detailed reconciliation result of the bank card payment of every transaction：
If the detailed reconciliation result of the later payment of the first stroke of E, merchandising and the final reconciliation result merchandised are inconsistent,
The detailed insertion reconciliation error list of the payment：
F, after the completion of performing reconciliation, management subsystem counts receivable bank card managing payment system branch according to reconciliation result
Pay settlement fund, receivable non-banking card managing payment system pay settlement fund, receivable transaction procedure expense, deal with trade company
Settlement fund, multi-party settlement is implemented by payment interface subsystem.
The beneficial effects of the invention are as follows：
1st, by more account management methods of payment, conveniently while preferentially using consumable remaining in all non-banking accounts
Volume, solve non-banking account usage scenario, scope and spending limit limitation problem.
2nd, trading processing need not be changed by increasing more account management payment systems newly, improve system robustness.
3rd, the mode of access of accessing to your account supports reward voucher to give a discount, and is directly given a discount compared to rising in trading processing, reduces and hands over
Disposable complexity.
4th, merchant tenninal does not need newly added equipment or does excessive change, reduces lower deployment cost；
5th, trade company's clearance is uniformly done, compared with separately reconciliation is independently cleared with current multiple systems, trade company's processing is simpler.
The present invention is described in detail below in conjunction with the accompanying drawings.
Accompanying drawing 1 is existing non-banking bill payment schematic flow sheet in the art.
Accompanying drawing 2 is the more account management method of payment schematic flow sheets of the present invention.
Accompanying drawing 3 is that present system hardware forms schematic diagram.
Accompanying drawing 4 is that the present invention is system architecture diagram.
Accompanying drawing 5 is protocol processes subsystem processes flow chart of the present invention.
Accompanying drawing 6 is the process chart of payment processes subsystem of the present invention.
Accompanying drawing 7 is present invention clearance processing subsystem reconciliation process chart.
Embodiment
Referring to accompanying drawing, a kind of more account management methods of payment, this method by means of by：Database subsystem, trading processing
More account pipes that subsystem, clearance processing subsystem, management subsystem, protocol processes subsystem and payment interface subsystem form
Manage payment system to realize, database subsystem, trading processing subsystem, clearance processing subsystem, management subsystem, association in system
View processing subsystem and payment interface subsystem establish communication contact by data/address bus, trading processing subsystem through net control device with
The POS terminal of consumer requests input establishes communication contact, and payment interface subsystem passes through financial Intranet private line access bank account
The CUPS of managing payment system, payment interface subsystem simultaneously by the multiple non-banking account management payment systems of private line access,
It is characterized in that：This method is realized by following steps：
(1), the more account management payment systems of non-banking account management payment system mandate use the non-silver of the system administration
Row account：
（2）, holder log in non-banking account management payment system own terminal, paid by non-banking account management
After the authentication of system, the account No. of holder is inputted, authorizes the management of bank account and the non-banking using holder
Account：
（3）, the non-banking account management payment system obtains after (2) step authorizes, forming subscription request message, sending band
Protocol processes subsystem in the message at most account management payment system of signature and key：
（4）, the protocol processes subsystem in more account management payment systems receive non-banking account management payment system
Subscription request message, message is preserved to the authorized agreement storehouse table of database subsystem：
（5）, (4) subscription request message carries out agreement to step for protocol processes subsystem in more account management payment systems
Check, check whether subscription request message format is correct, whether signature is correct, if incorrect, puts the place of the database agreement
Reason state is failure, group signing failure receipt message, is sent to non-banking account management payment system, non-banking account management branch
The system of paying shows signing failure to holder, terminates flow, if correctly, protocol testing puts the database agreement by rear
Processing state is successfully, group signing success receipt message, to be sent to non-banking account management payment system, non-banking account management
Payment system is contracted successfully to holder's displaying, protocol finishes check process：
（6）, holder pass through POS terminal brush bank card card, input bank card password.POS terminal assembling carries bank card
The POS messages of bank card password after card number, spending amount, encryption are sent at most account management payment system through net control device
The listening port of payment processes subsystem：
（7）, the payment processes subsystem monitors program in more account management payment systems listen to the connection request of network control
Afterwards, connection is established, receives transaction message, preserves transaction message first into database：
（8）, the payment processes subsystem in more account management payment systems (7) transaction message is received to step, checked
Correctly whether message format, whether safety code is correct, message whether there is is tampered, and checks whether transaction request meets business rule inspection
Look into, if message audit is by the way that the stateful transaction of the transaction in database is set to failure, group failure by payment processing system
Receipt message, net control device is sent to, for net control device retransmission failure receipt message to POS terminal, POS terminal shows Fail Transaction letter
Breath, terminate flow, if message audit is by entering in next step：
（9）, the payment processes subsystem in more account management payment systems assists according to account No. from the mandate of database
View storehouse table search has authorized the non-banking account aggregation that the account No. uses, and searches the business from business rule according to trade company number
The non-banking account aggregation that family can use, the common factor of above-mentioned two non-bankings account aggregation are the non-silver that the transaction can use
Row account aggregation：
（10）If, the transaction also have non-banking account can use, then by account priority order pass through payment interface son
System sends consumption message to corresponding non-banking account management payment system, otherwise, jumps to step (13)
（11）, the payment processes subsystem in more account management payment systems receive non-banking account management payment system
Receipt message is consumed, is looked into by the trade company number in message, terminal number, batch number, system tracking number in the tran list of database
Look for former transaction：
（12）, the payment processes subsystem in more account management payment systems judge that non-banking account management payment system disappears
Take the result of receipt message, if non-banking account pays the transaction enough, then the friendship in modification tran list
Easy processing state organizes success receipt message, the payment that non-banking account is filled in the remarks domain of message is bright to handle successfully
Carefully, success receipt message is sent to net control device, and net control device E-Packets receipt to POS terminal.POS terminal is in POS shopping receipts
Upper printing consumption result, the payment of wherein receipt remarks column printing non-banking account is detailed, terminates flow, otherwise, non-banking account
Family managing payment is insufficient to pay, and repeat step is (10)：
（13）, the payment processes subsystem in more account management payment systems connect using the remaining amount of money to be paid by paying
Interface subsystem continues to send consumption message to bank account managing payment system, and message is included after being encrypted in POS terminal message
Bank card password：
（14）, the payment processes subsystem in more account management payment systems receive the consumption of bank card managing payment system
Receipt message, original is searched in the tran list of database by the trade company number in message, terminal number, batch number, system tracking number
Transaction：
（15）, the payment processes subsystem in more account management payment systems judge bank account managing payment system cost
The result of receipt message, the success if bank card is withholdd, then the processing state of the transaction is processing in modification tran list
Success, success receipt message is organized, the payment detail of non-banking account is filled in the remarks domain of message, sends success receipt report
Text gives net control device, and net control device E-Packets receipt to POS terminal, and result is consumed in POS terminal printing on POS shopping receipts, its
The payment of middle receipt remarks column printing non-banking account is detailed, terminates flow, if bank card is withholdd unsuccessfully, according to step（6）
The non-banking bill payment consumed in message is detailed, by payment interface subsystem to corresponding non-banking account management payment system
Send consumption revocation message, non-banking account management payment system receive the money detained is returned after revocation request it is former non-
Bank account, send revocation the EM end of message after, send consumption failure receipt message to net control device, net control device E-Packet receipt to
POS terminal, POS terminal show Fail Transaction information, flow of closing the trade：
（16）, step（15）After flow of closing the trade, clearance processing subsystem is related to according to same consumer sale
More non-banking accounts and bank account pay detail, implement reconciliation according to the following steps：
A, the reconciliation file of non-banking account management payment system and the reconciliation file of bank account system are parsed, right
Transaction details in account file are entirely insertable reconciliation detail list：
B, compare bank card payment account detail and reconciliation is detailed, determine the end-state of bank card business dealing.Scan reconciliation
Detail list, the transaction is searched in tran list according to trade company number, terminal number, batch number, system tracking number, if can find and
Element of transaction such as card number, the amount of money is consistent, then the reconciliation state for setting the transaction is " reconciliation success "；If it can find but merchandise
Key element such as card number, the amount of money is inconsistent, then the reconciliation state for setting the transaction is " reconciliation failure ", and the transaction will not participate in money
Gold clearance：
C, take non-banking card payment account corresponding to transaction detailed and reconciliation detail contrast, scanning pay detail list, takes friendship
The non-banking card payment account of easily " reconciliation success " is detailed, is searched according to detailed numbering is paid in reconciliation detail, if can look for
Arrive and key element such as account, the amount of money is consistent, then set this to pay detailed reconciliation state as " reconciliation success "；If can find but
Element of transaction such as card number, the amount of money is inconsistent, then it is " reconciliation failure " to set and pay the reconciliation state of the detail list transaction, the pen
Transaction will not participate in fund clearing：
D, it is defined as the final reconciliation result of the transaction using the detailed reconciliation result of the bank card payment of every transaction：
If the detailed reconciliation result of the later payment of the first stroke of E, merchandising and the final reconciliation result merchandised are inconsistent,
The detailed insertion reconciliation error list of the payment：
F, after the completion of performing reconciliation, management subsystem counts receivable bank card managing payment system branch according to reconciliation result
Pay settlement fund, receivable non-banking card managing payment system pay settlement fund, receivable transaction procedure expense, deal with trade company
Settlement fund, multi-party settlement is implemented by payment interface subsystem.
Such as specific embodiment, it is assumed that the transaction overall consumption is 200 yuan, can be integrated using certain operator and certain bank
Cap product point.So, the expired consumption order that the amount of money is 200 yuan, operator's integration system are sent to certain operator's integrating system first
System returns to real button 50, then the remaining amount of money to be paid is 150.Then, the mistake that the amount of money is 150 yuan is sent to certain bank card integrating system
Phase consumption order, bank card integrating system return to real button 100, then the remaining amount of money to be paid is 50.Finally, paid to bank card and be
System sends the consumption order that the amount of money is 50, completes last 50 yuan of payment.
Referring to accompanying drawing 3, the present embodiments relate to the hardware of system form and include：Application server, database service
Device and management server totally three servers, an and coding machine and a set of disk array storage device.Wherein, application service
Device and database server two-node cluster hot backup each other, and shared disk array stores.Database Systems are deployed in database server
On, trading processing subsystem, clearance processing subsystem, payment interface subsystem, protocol processes subsystem are deployed in application service
On device, the deployment of management subsystem is on the management server.
Referring to accompanying drawing 4, in the embodiment of the present invention, more account management payment systems include：Database Systems, trading processing
System, clearance processing subsystem, management subsystem, payment interface subsystem.POS terminal passes through net control device and trading processing subsystem
System carries out message interaction, and payment interface subsystem passes through financial Intranet private line access Unionpay CUPS.Payment interface subsystem passes through
Private line access non-banking account management payment system, such as bank card integrating system, operator's integrating system, coupon account system
Deng.
In the embodiment of the present invention, the handling process of protocol processes subsystem is referring to accompanying drawing 5.
In the embodiment of the present invention, the handling process of processing subsystem is paid referring to accompanying drawing 6.
In the embodiment of the present invention, the reconciliation flow of processing subsystem is cleared referring to accompanying drawing 7.
Payment interface subsystem connects in universal account payment interface and bank account system interface and non-banking Accounting system
Message conversion is done between mouthful.Universal account payment interface include inquiry into balance message interface, supplement with money message interface, consumption message connect
Mouth, consumption revocation message interface.The function of clearance subsystem is to perform and the reconciliation of bank account managing payment system, non-banking account
Family managing payment system reconciliation, transaction funds calculating, account formality charge calculating, trade company's service charge calculating, mistake trading processing etc..
The function of managing subsystem is merchant tenninal management, terminal key management, account formality charge tariff management, trade company's hand
Continue to pay dues tariff management, the configuration of non-banking Accounting system routing parameter, non-banking Accounting system priority management, other business rules
Management.
Claims (1)
1. a kind of more account management methods of payment, this method by means of by：Database subsystem, trading processing subsystem, clearance
More account management payment systems that processing subsystem, management subsystem, protocol processes subsystem and payment interface subsystem form
Realize, database subsystem, trading processing subsystem, clearance processing subsystem, management subsystem, protocol processes subsystem in system
System and payment interface subsystem establish communication contact by data/address bus, and trading processing subsystem is defeated with consumer requests through net control device
The POS terminal entered establishes communication contact, and payment interface subsystem passes through financial Intranet private line access bank account managing payment system
The CUPS of system, payment interface subsystem pass through the multiple non-banking account management payment systems of private line access simultaneously, it is characterised in that：
This method is realized by following steps：
(1), the more account management payment systems of non-banking account management payment system mandate use the non-banking account of the system administration
Family：
（2）, holder log in non-banking account management payment system own terminal, pass through non-banking account management payment system
Authentication after, input the account No. of holder, authorize more account management payment system management and using the non-of holder
Bank account and bank account：
（3）, the mandate of the non-banking account management payment system according to step (2), form subscription request message, send band signature
With the protocol processes subsystem in the message at most account management payment system of key：
（4）, the protocol processes subsystem in more account management payment systems receive the signing of non-banking account management payment system
Request message, message is preserved to the authorized agreement storehouse table of database subsystem：
（5）, (4) subscription request message carries out protocol testing to step for protocol processes subsystem in more account management payment systems,
Check whether subscription request message format is correct, whether signature is correct, if incorrect, puts the processing state of the database agreement
For failure, composition signing failure receipt message, non-banking account management payment system is sent to, non-banking account management pays system
Unite and show signing failure to holder, terminate flow, if correctly, protocol testing puts the processing of the database agreement by rear
State is successfully, composition signing success receipt message, to be sent to non-banking account management payment system, non-banking account management branch
The system of paying is contracted successfully to holder's displaying, protocol finishes check process：
（6）, holder by POS terminal brush bank card card, input bank card password, POS terminal assembling with bank card number,
The POS messages of bank card password after spending amount, encryption send the payment at most account management payment system through net control device
The listening port of processing subsystem：
（7）, after the payment processes subsystem monitors program in more account management payment systems listens to the connection request of network control, build
Vertical connection, receives transaction message, preserves transaction message first into database：
（8）, the payment processes subsystem in more account management payment systems (7) transaction message is received to step, carry out inspection message
Correctly whether form, whether safety code is correct, message whether there is is tampered, and checks whether transaction request meets business rule inspection,
If message audit is by the way that the stateful transaction of the transaction in database is set to failure by payment processing system, and group is unsuccessfully returned
Message to be held, is sent to net control device, net control device retransmission failure receipt message shows Fail Transaction information to POS terminal, POS terminal,
Terminate flow, if message audit is by entering in next step：
（9）, payment processes subsystem in more account management payment systems according to account No. from the authorized agreement storehouse of database
Table search has authorized the non-banking account aggregation that the account No. associates, and searches trade company's energy from business rule according to trade company number
The non-banking account aggregation used, the common factor of above-mentioned two non-bankings account aggregation are the non-banking account that the transaction can use
Gather at family：
（10）If, the transaction there are multiple non-banking accounts can use, then pass through payment interface subsystem by account priority order
Unite and send consumption message to corresponding non-banking account management payment system, otherwise, jump to step（13）：
（11）, the payment processes subsystem in more account management payment systems receive the consumption of non-banking account management payment system
Receipt message, original is searched in the tran list of database by the trade company number in message, terminal number, batch number, system tracking number
Transaction record：
（12）, the payment processes subsystem in more account management payment systems non-banking account management is judged according to former transaction record
Payment system consumes the result of receipt message, if non-banking account pays the transaction enough, then modification is former
The processing state of the transaction in trading record sheet is organized success receipt message, filled in the remarks domain of message non-to handle successfully
The payment of bank account is detailed, sends success receipt message to net control device, and net control device E-Packets receipt to POS terminal, POS ends
End printing consumption result on POS shopping receipts, the payment of wherein receipt remarks column printing non-banking account is detailed, terminates stream
Journey, otherwise, non-banking account management deficient payment are enough paid, repeat step（10）All non-banking accounts are insufficient to pay, and enter
Enter in next step：
（13）, the payment processes subsystem in more account management payment systems pass through payment interface using the remaining amount of money to be paid
System continues to send consumption message to bank account managing payment system, and message includes the bank after being encrypted in POS terminal message
Clip pin：
（14）, the payment processes subsystem in more account management payment systems receive the consumption receipt of bank card managing payment system
Message, former transaction is searched in the tran list of database by the trade company number in message, terminal number, batch number, system tracking number
Record：
（15）, the payment processes subsystem in more account management payment systems judge bank account managing payment system cost receipt
The result of message, the success if bank card is withholdd, then the processing state of the transaction record is processing in modification tran list
Success, success receipt message is organized, the payment detail of non-banking account is filled in the remarks domain of message, sends success receipt report
Text gives net control device, and net control device E-Packets receipt to POS terminal, and result is consumed in POS terminal printing on POS shopping receipts, its
The payment of middle receipt remarks column printing non-banking account is detailed, terminates flow, if bank card is withholdd unsuccessfully, according to step（6）
The non-banking bill payment consumed in message is detailed, by payment interface subsystem to corresponding non-banking account management payment system
Send consumption revocation message, non-banking account management payment system receive the money detained is returned after revocation request it is former non-
Bank account, send revocation the EM end of message after, send consumption failure receipt message to net control device, net control device E-Packet receipt to
POS terminal, POS terminal show Fail Transaction information, flow of closing the trade：
（16）, step（15）After terminating Successful Transaction flow, clearance processing subsystem is related to according to same consumer sale
More non-banking accounts and bank account pay detail, implement reconciliation according to the following steps：
A, the reconciliation file of non-banking account management payment system and the reconciliation file of bank account system are parsed, reconciliation text
Transaction details in part are entirely insertable reconciliation detail list：
B, compare bank card payment account detail and reconciliation is detailed, determine the end-state of bank card business dealing, scanning reconciliation detail
Table, the transaction is searched in tran list according to trade company number, terminal number, batch number, system tracking number, if can find and merchandise
Card number, the amount of money are consistent in key element, then the reconciliation state for setting the transaction is " reconciliation success "；If can find but element of transaction
As card number, the amount of money are inconsistent, then the reconciliation state for setting the transaction is " reconciliation failure ", and it is clear that the transaction will not participate in fund
Calculate：
C, take non-banking card payment account corresponding to transaction detailed and reconciliation detail contrast, scanning pay detail list, takes transaction " right
The non-banking card payment account of account success " is detailed, is searched according to detailed numbering is paid in reconciliation detail, if can find and will
Element is as consistent such as account, the amount of money, then sets this to pay detailed reconciliation state as " reconciliation success "；Will if can find but merchandise
Card number, the amount of money are inconsistent in element, then the reconciliation state for setting the transaction of payment detail list is " reconciliation failure ", and the transaction will
It is not involved in fund clearing：
D, it is defined as the final reconciliation result of the transaction using the detailed reconciliation result of the bank card payment of every transaction：
If the detailed reconciliation result of the later payment of the first stroke of E, merchandising and the final reconciliation result merchandised are inconsistent, this is propped up
Pay detailed insertion reconciliation error list：
F, after the completion of performing reconciliation, management subsystem counts the clear of receivable bank card managing payment system payment according to reconciliation result
Calculation fund, the settlement fund of receivable non-banking card managing payment system payment, receivable transaction procedure take, deal with trade company's clearance money
Gold, multi-party settlement is implemented by payment interface subsystem.
Priority Applications (2)
| 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 |
| PCT/CN2014/071346 WO2014183484A1 (en) | 2013-05-16 | 2014-01-24 | Multi-account management and payment method |
Applications Claiming Priority (1)
| 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 CN103413216A (en) | 2013-11-27 |
| CN103413216B true 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 |
Country Status (2)
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| CN (1) | CN103413216B (en) |
| WO (1) | WO2014183484A1 (en) |
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| CN103413216A (en) | 2013-11-27 |
| WO2014183484A1 (en) | 2014-11-20 |
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