CN103413389B - Based on bank account to non-banking account management and method of payment - Google Patents
Based on bank account to non-banking account management and method of payment Download PDFInfo
- Publication number
- CN103413389B CN103413389B CN201310181684.5A CN201310181684A CN103413389B CN 103413389 B CN103413389 B CN 103413389B CN 201310181684 A CN201310181684 A CN 201310181684A CN 103413389 B CN103413389 B CN 103413389B
- Authority
- CN
- China
- Prior art keywords
- account
- payment system
- banking
- managements
- many
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Classifications
-
- 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
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Based on bank account to non-banking account management and method of payment, solve non-banking account many, and use inconvenient present situation, the present invention adopts and sets up many account managements payment system, this system is set up with multiple non-banking card and bank card simultaneously and is contacted, and realizes being paid successively the management of all non-banking accounts and the unified priority orders by setting by bank account enforcement by this system.The invention has the beneficial effects as follows: by using the mode of bank account transaction, conveniently, simultaneously preferentially use consumable remaining sum in all non-banking accounts, solving non-banking account use scenes, scope and spending limit limitation problem.Unified do trade company's clearance, separate compared with reconciliation independently clears with current multiple system, trade company processes simpler.
Description
Art
The present invention relates to payment technical field under bank account line, particularly relate to and a kind ofly implement management to non-banking account and method of payment based on bank account.
Background technology
Along with the development of financial circles, in society, each consumer has bank account, and almost each consumer has the non-banking account such as integration, bank card integration, electronic coupons, purchase card of different operators simultaneously.But, when most consumer consumes down online, all can only under given conditions, a certain non-banking account of single use pays.The non-banking account such as points account, electronic coupons account of consumer is all in idle state mostly, and even these non-banking accounts were not until expired all to use.Its reason is management and the method for payment inconvenience of these non-banking accounts, and more points account, coupon 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.There are Renminbi POS terminal in Xian Xia trade company 1 and Xian Xia trade company 2, and this terminal is used for accepting bank card consumption.The integration terminal that You Yigemou bank of Xian Xia trade company 1 places, is exclusively used in the integration consumer sale accepting this bank.Equally, the integration terminal that You Yigemou operator of Xian Xia trade company 2 places, is exclusively used in and accepts the transaction of accumulated point exchanging gift.
Non-banking account uses is inconvenient to be mainly reflected in following several respects:
1, to non-banking account administrator, as telecom operators, bank etc. need look for trade company to negotiate in person, by increasing the modes such as terminal device, non-banking account can be used in appointment trade company.
2, to non-banking account user, itself and bank account can not be used in combination, so consumer can only with spending limit limited in non-banking account, carry out consuming or be consumed on the commodity of specifying.
3, to the non-banking account person of accepting, itself and bank account are concluded the business and to be cleared respectively to trade company, increase complexity and the workload of trade company's reconciliation.
Summary of the invention
Many in order to solve non-banking account in prior art, and use inconvenient present situation, to the object of this invention is to provide based on bank account non-banking account management and method of payment and many account managements payment system, realize implementing to pay successively the management of all non-banking accounts and the unified priority orders by setting by bank account.
The present invention is based on bank account to be realized by following steps non-banking account management and method of payment: the method realizes based on many account managements payment system, bank account managing payment system, non-banking account management payment system and consumer requests input end, it is characterized in that: the method realizes according to the following steps:
(1), multiple difference consumption or the non-banking account management payment system of integrated form and many account managements payment system set up communication contact:
, non-banking account management payment system mandate many account managements payment system account of using this system to manage,
Authorization method is: the owner with non-banking account logs in non-banking account management payment system, to the bank account of specifying non-banking account to input my empowerment management, agree to that many account managements payment system uses this non-banking account by bank account, after many account managements payment system receives the above-mentioned request of non-banking account management payment system, set up authorized agreement, and preserve this authorized agreement, many account managements payment system arranges the service regeulations of non-banking account according to this agreement:
(3), when consumer requests input end initiates consumer requests by bank account to many account managements payment system, first many account managements payment system searches the non-banking account whether this bank account has empowerment management, lookup result has, many account managements payment system presses the priority orders of protocol, consumer requests is sent to first order non-banking account management payment system, first order non-banking account management payment system agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, this message records this non-banking account management payment system description information, spending amount, the information such as consumption time and consumer requests input end, as when this time consumer requests first order non-banking account balance is not enough, first order non-banking account management payment system enters next step after paying the remaining sum of the account,
(4), many account managements payment system is for first order non-banking account balance insufficient section, the consumer requests of remaining sum part is sent to next stage non-banking account management payment system, to next stage non-banking account management pay agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, as non-banking account management payment system at the corresponding levels produces equally, Sorry, your ticket has not enough value, and non-banking account management payment system at the corresponding levels enters next step after paying the remaining sum of the account;
(5), (4) many account managements payment system sends consumer requests to different non-banking account management payment systems successively according to step, after all rank non-banking account management payment systems complete whole this consumer requests of agreement and complete this payment, successful message is there is in many account managements payment system to the consumption of consumer requests input end, after all non-banking account management payment system absolute payments, Sorry, your ticket has not enough value in same generation, and all non-banking account management payment systems enter next step after paying the remaining sum of the account;
(6), many account managements payment system sends the consumer requests of whole non-banking account management payment system payment of balance rear section to bank account managing payment system, bank account managing payment system agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, this message records the description information of this non-banking account management payment system and bank account managing payment system, spending amount, the information such as consumption time and consumer requests input end, enter next step, as bank account managing payment system produces equally, Sorry, your ticket has not enough value or pay unsuccessfully, many account managements payment system has paid successful each rank non-banking account management payment system to this consumer requests and has just initiated punching, failure message is there is in many account managements payment system to the consumption of consumer requests input end,
(7), by the reconciliation time node of design, many account managements payment system and the reconciliation respectively of each non-banking account management payment system, determine the end-state of single consumer sale, generate non-banking account reconciliation mistake detailed, and in non-banking account management payment system, perform the adjustment of account mistake according to mistake detail;
, many account managements payment system according to reconciliation result, settle accounts respectively to non-banking account management payment system, bank account managing payment system.
The invention has the beneficial effects as follows:
1, pass through the mode using bank account transaction, conveniently, simultaneously preferentially use consumable remaining sum in all non-banking accounts, solve non-banking account use scenes, scope and spending limit limitation problem.
2, adopt that transaction processing is separated mutually with payment processes, universal payment interface as the system of both exchange methods, reduce the complexity of transaction processing, do not need during newly-increased non-banking Accounting system to change transaction processing, improve system robustness.
3, the mode of access of accessing to your account supports that reward voucher gives a discount, gives a discount when transaction processing compared with direct, reduction transaction processing complexity.
4, merchant tenninal does not need newly added equipment or does too much change, reduces lower deployment cost;
5, unifiedly do trade company's clearance, separate compared with reconciliation independently clears with current multiple system, trade company processes simpler.
Below in conjunction with accompanying drawing, the present invention is described in detail.
Accompanying drawing 1 is existing non-banking bill payment schematic flow sheet in the art.
Accompanying drawing 2 is for bank account of the present invention is to non-banking account management and method of payment schematic flow sheet.
Accompanying drawing 3 is present system hardware formation schematic diagram.
Accompanying drawing 4 for the present invention be system architecture diagram.
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 clears processing subsystem reconciliation processing flow chart for the present invention.
Embodiment
Referring to accompanying drawing, based on bank account to non-banking account management and method of payment, the method realizes based on many account managements payment system, bank account managing payment system, non-banking account management payment system and consumer requests input end, and the method realizes according to the following steps:
(1), multiple difference consumption or the non-banking account management payment system of integrated form and many account managements payment system set up communication contact:
, non-banking account management payment system mandate many account managements payment system account of using this system to manage,
Authorization method is: the owner with non-banking account logs in non-banking account management payment system, to the bank account of specifying non-banking account to input my empowerment management, agree to that many account managements payment system uses this non-banking account by bank account, after many account managements payment system receives the above-mentioned request of non-banking account management payment system, set up authorized agreement, and preserve this authorized agreement, many account managements payment system arranges the service regeulations of non-banking account according to this agreement:
(3), when consumer requests input end initiates consumer requests by bank account to many account managements payment system, first many account managements payment system searches the non-banking account whether this bank account has empowerment management, lookup result has, many account managements payment system presses the priority orders of protocol, consumer requests is sent to first order non-banking account management payment system, first order non-banking account management payment system agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, this message records this non-banking account management payment system description information, spending amount, the information such as consumption time and consumer requests input end, as when this time consumer requests first order non-banking account balance is not enough, first order non-banking account management payment system enters next step after paying the remaining sum of the account,
(4), many account managements payment system is for first order non-banking account balance insufficient section, the consumer requests of remaining sum part is sent to next stage non-banking account management payment system, to next stage non-banking account management pay agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, as non-banking account management payment system at the corresponding levels produces equally, Sorry, your ticket has not enough value, and non-banking account management payment system at the corresponding levels enters next step after paying the remaining sum of the account;
(5), (4) many account managements payment system sends consumer requests to different non-banking account management payment systems successively according to step, after all rank non-banking account management payment systems complete whole this consumer requests of agreement and complete this payment, successful message is there is in many account managements payment system to the consumption of consumer requests input end, after all non-banking account management payment system absolute payments, Sorry, your ticket has not enough value in same generation, and all non-banking account management payment systems enter next step after paying the remaining sum of the account;
(6), many account managements payment system sends the consumer requests of whole non-banking account management payment system payment of balance rear section to bank account managing payment system, bank account managing payment system agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, this message records the description information of this non-banking account management payment system and bank account managing payment system, spending amount, the information such as consumption time and consumer requests input end, enter next step, as bank account managing payment system produces equally, Sorry, your ticket has not enough value or pay unsuccessfully, many account managements payment system has paid successful each rank non-banking account management payment system to this consumer requests and has just initiated punching, failure message is there is in many account managements payment system to the consumption of consumer requests input end,
(7), by the reconciliation time node of design, many account managements payment system and the reconciliation respectively of each non-banking account management payment system, determine the end-state of single consumer sale, generate non-banking account reconciliation mistake detailed, and in non-banking account management payment system, perform the adjustment of account mistake according to mistake detail;
, many account managements payment system according to reconciliation result, settle accounts respectively to non-banking account management payment system, bank account managing payment system.
In the embodiment of the present invention, consumer requests input end is POS terminal.
The step of the embodiment of the present invention (8) in, non-banking account management payment system foundation and many account managements payment system reconciliation result, settlement fund is paid to many account managements payment system, after many account managements payment system receives non-banking account management payment system settlement fund, the agreement according to signing between many account managements payment system and non-banking account management payment system, bank account managing payment system is settled accounts.
The step of the embodiment of the present invention (3) in, described many account managements payment system by the priority orders of protocol is, by order effective time of non-banking account.Avoid the loss brought because non-banking account is expired.
Referring to accompanying drawing 3, the hardware of the system that the embodiment of the present invention relates to forms and 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 disposed on the application server, and ADMINISTRATION SUBSYSTEM is disposed on the 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.POS terminal carries out message interaction by net control device and transaction processing subsystem, and payment interface subsystem is by financial Intranet private line access Unionpay CUPS.Payment interface subsystem passes through private line access non-banking account management payment system, as bank card integrating system, operator's integrating system, coupon account system etc.
Referring to accompanying drawing 5, in the embodiment of the present invention, the treatment step of protocol processes subsystem is as follows:
1, holder logs in the own terminal of non-banking account management payment system, such as mobile phone application, portal website, house ads board, outdoor billboard, after authentication by non-banking account management payment system, the account No. (or card number) of input holder, authorizes the non-banking account of this management of bank account and use holder.
2, this non-banking account management payment system composition subscription request message, the message account management payment system at the most of transmit band signature.Wherein signature field is the key of arranging by non-banking account management payment system and many account managements payment system, and message key such as bank card number, non-banking card account ID, signing time are carried out to MD5 or SHA-1 computing and obtains.
3, many account managements payment system receives the subscription request message of non-banking account management payment system, and preservation message is shown to the authorized agreement storehouse of database.
4, many account managements payment system checks that whether subscription request message format is correct, whether signature is correct.If incorrect, the treatment state putting this agreement of database is unsuccessfully, and the signing failed receipt message of group, sends to non-banking account management payment system, and non-banking account management payment system is shown to holder and contracted unsuccessfully, process ends.
5, protocol testing passes through, and the treatment state putting this agreement of database is successfully, and the signing success receipt message of group, sends to non-banking account management payment system, and non-banking account management payment system is shown to holder and contracted successfully, process ends.
Referring to accompanying drawing 6, the treatment scheme schematic diagram of payment processes subsystem, treatment step is as follows:
1, holder is swiped the card by POS terminal, input bank card password.POS terminal assembling POS message is sent to net control device, and message content at least comprises the bank card password after bank card number, spending amount, encryption.
2, net control device forwards the listening port of POS message to payment processes subsystem.
3, after payment processes subsystem monitors program listens to the connection request of network control, connect, receive transaction message, first preserve transaction message in database.
4, payment processes subsystem check message format whether correct, whether security code correct, message with or without being tampered, check whether transaction request meets business rule.If message audit or service observation are not passed through, so payment processing system is set to failure the stateful transaction of this transaction in database, organizes failed receipt message, send to net control device, net control device retransmission failure receipt message is to POS terminal, and POS terminal shows Fail Transaction information, process ends.
5, the non-banking account aggregation of authorizing this card to use is searched according to card number from the authorized agreement storehouse table of database, from business rule, search according to trade company number the non-banking account aggregation that this trade company can use, the common factor of above-mentioned two non-banking account aggregations is the non-banking account aggregation that this transaction can use.
If 6 these transaction also have non-banking account to use, so send expired consumption message by payment interface subsystem to corresponding non-banking account management payment system by account priority orders.Otherwise, jump to step 9.
7, receive the consumption receipt message of non-banking account management payment system, in the tran list of database, search former transaction by the trade company in message number, terminal number, batch number, system keeps track number.
8, the result of non-banking account management payment system consumption receipt message is judged.If non-banking account enough pays this transaction, so revise the treatment state of this transaction in tran list for process successfully, group success receipt message, the payment of filling in non-banking account in the remarks territory of message is detailed.Send success receipt message to net control device, net control device E-Packets receipt to POS terminal.POS terminal prints consumption result on POS does shopping receipt, and wherein receipt remarks column prints the payment detail of non-banking account, process ends.Otherwise the deficient payment of non-banking account management enough pays, repeat step 6.
9, use the residue amount of money to be paid to continue to send consumption message to bank account managing payment system by payment interface subsystem, message comprises the bank card password in POS terminal message after encryption.
10, receive the consumption receipt message of bank card managing payment system, in the tran list of database, search former transaction by the trade company in message number, terminal number, batch number, system keeps track number.
11, the result of bank account managing payment system cost receipt message is judged.If bank card is withholdd successfully, so revise the treatment state of this transaction in tran list for process successfully, group success receipt message, the payment of filling in non-banking account in the remarks territory of message is detailed.Send success receipt message to net control device, net control device E-Packets receipt to POS terminal.POS terminal prints consumption result on POS does shopping receipt, and wherein receipt remarks column prints the payment detail of non-banking account, process ends.
12 otherwise, bank card is withholdd unsuccessfully, detailed according to the non-banking bill payment that the 6th step is used, send consumption by payment interface subsystem to corresponding non-banking account management payment system and cancel message, after non-banking account management payment system receives the request of cancelling, the money detained is returned holder.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 POS terminal, POS terminal display Fail Transaction information, process ends.
As specific embodiment, suppose that this transaction overall consumption is 200 yuan, certain operator's integration and certain bank card integration can be used.So, first send to certain operator's integrating system the expired consumption order that the amount of money is 200 yuan, operator's integrating system returns real button 50, then remaining the amount of money to be paid is 150.Then, send to certain bank card integrating system the expired consumption order that the amount of money is 150 yuan, bank card integrating system returns real button 100, then remaining the amount of money to be paid is 50.Finally, sending the amount of money to bank card paying system is the consumption order of 50, completes the payment of last 50 yuan.
Referring to the reconciliation schematic flow sheet that accompanying drawing 7 is clearance processing subsystems.
A consumer sale may relate to many and pay detailed, and wherein one may be that bank account pays detail, and other are non-banking card account and pay detail.The key step of reconciliation is as follows:
1, resolve the reconciliation file of non-banking account management payment system and the reconciliation file of bank account system, the transaction details in reconciliation file is all inserted reconciliation detail list.
2, compare that bank card payment account is detailed and reconciliation is detailed, determine the end-state of bank card business dealing.Scanning reconciliation detail list, searches this transaction according to trade company number, terminal number, batch number, system keeps track number in tran list.If to find and element of transaction is as consistent in card number, the amount of money, then the reconciliation state of this transaction is set for " reconciliation success "; If to find but element of transaction is as inconsistent in card number, the amount of money, then the reconciliation state of this transaction is set for " reconciliation failure ".
3, non-banking card payment account detail corresponding to transaction and reconciliation detail contrast is got.Scanning pays detail list, and the non-banking card payment account getting transaction " reconciliation success " is detailed, searches in reconciliation detail according to the detailed numbering of payment.If to find and key element is as consistent in account, the amount of money, then this is set and pays detailed reconciliation state for " reconciliation success "; If to find but element of transaction is as inconsistent in card number, the amount of money, then arranging the reconciliation state paying this transaction of detail list is " reconciliation failure ".
4, the reconciliation result using the bank card of every transaction to pay detail is defined as the final reconciliation result of this transaction.
If the final reconciliation result of the reconciliation result of the payment detail that 5 transaction the first strokes are later and transaction is inconsistent, this payment detail is inserted reconciliation error list.
6, after execution reconciliation completes, add up receivable bank card channel of disbursement settlement fund, receivable non-banking card channel of disbursement settlement fund, receivable merchant transaction service charge according to reconciliation result, deal with trade company's settlement fund.
Payment interface subsystem does message conversion between universal account payment interface and bank account system interface and non-banking Accounting system interface.Universal account payment interface comprises inquiry into balance message interface, supplements message interface with money, consumes message interface, consumes and cancel message interface.The function of clearance subsystem be perform with the reconciliation of bank account managing payment system, the reconciliation of non-banking account management payment system, transaction funds calculates, account formality charge calculates, trade company's service charge calculates, 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 Accounting system routing parameter, non-banking Accounting system priority management, other Business Rule Management.
Claims (4)
1. based on bank account to non-banking account management and method of payment, the method realizes based on many account managements payment system, bank account managing payment system, non-banking account management payment system and consumer requests input end, it is characterized in that: the method realizes according to the following steps:
(1), multiple difference consumption or the non-banking account management payment system of integrated form and many account managements payment system set up communication contact:
, non-banking account management payment system mandate many account managements payment system account of using this system to manage,
Authorization method is: the owner with non-banking account logs in non-banking account management payment system, to the bank account of specifying non-banking account to input my empowerment management, agree to that many account managements payment system uses this non-banking account by bank account, after many account managements payment system receives the request of non-banking account management payment system, set up authorized agreement, and preserve this authorized agreement, many account managements payment system arranges the service regeulations of non-banking account according to this agreement:
(3), when consumer requests input end initiates consumer requests by bank account to many account managements payment system, first many account managements payment system searches the non-banking account whether this bank account has empowerment management, lookup result has, many account managements payment system presses the priority orders of protocol, consumer requests is sent to first order non-banking account management payment system, first order non-banking account management payment system agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, this message records this non-banking account management payment system description information, spending amount, consumption time and consumer requests input end information, as when this time consumer requests first order non-banking account balance is not enough, first order non-banking account management payment system enters next step after paying the remaining sum of the account,
(4), many account managements payment system is for first order non-banking account balance insufficient section, the consumer requests of remaining sum part is sent to next stage non-banking account management payment system, to next stage non-banking account management pay agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, as non-banking account management payment system at the corresponding levels produces equally, Sorry, your ticket has not enough value, and non-banking account management payment system at the corresponding levels enters next step after paying the remaining sum of the account;
(5), (4) many account managements payment system sends consumer requests to different non-banking account management payment systems successively according to step, after all rank non-banking account management payment systems complete whole this consumer requests of agreement and complete this payment, successful message is there is in many account managements payment system to the consumption of consumer requests input end, after all non-banking account management payment system absolute payments, Sorry, your ticket has not enough value in same generation, and all non-banking account management payment systems enter next step after paying the remaining sum of the account;
(6), many account managements payment system sends the consumer requests of whole non-banking account management payment system payment of balance rear section to bank account managing payment system, bank account managing payment system agree to this consumer requests and complete this pay after, successful message is there is in many account managements payment system to the consumption of consumer requests input end, this message records the description information of this non-banking account management payment system and bank account managing payment system, spending amount, the information such as consumption time and consumer requests input end, enter next step, as bank account managing payment system produces equally, Sorry, your ticket has not enough value or pay unsuccessfully, many account managements payment system has paid successful each rank non-banking account management payment system to this consumer requests and has just initiated punching, failure message is there is in many account managements payment system to the consumption of consumer requests input end,
(7), by the reconciliation time node of design, many account managements payment system and the reconciliation respectively of each non-banking account management payment system, determine the end-state of single consumer sale, generate non-banking account reconciliation mistake detailed, and in non-banking account management payment system, perform the adjustment of account mistake according to mistake detail;
, many account managements payment system according to reconciliation result, settle accounts respectively to non-banking account management payment system, bank account managing payment system.
2. according to claim 1 based on bank account to non-banking account management and method of payment, it is characterized in that: consumer requests input end is POS terminal.
3. according to claim 1 and 2 based on bank account to non-banking account management and method of payment, it is characterized in that: step (8) in, non-banking account management payment system foundation and many account managements payment system reconciliation result, settlement fund is paid to many account managements payment system, after many account managements payment system receives non-banking account management payment system settlement fund, the agreement according to signing between many account managements payment system and non-banking account management payment system, bank account managing payment system is settled accounts.
4. according to claim 1 and 2 based on bank account to non-banking account management and method of payment, it is characterized in that: step (3) described in many account managements payment system by the priority orders of protocol be, by non-banking account effective time order.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310181684.5A CN103413389B (en) | 2013-05-16 | 2013-05-16 | Based on bank account to non-banking account management and method of payment |
| PCT/CN2014/071350 WO2014183486A1 (en) | 2013-05-16 | 2014-01-24 | Management and payment method for non-bank account based on bank account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310181684.5A CN103413389B (en) | 2013-05-16 | 2013-05-16 | Based on bank account to non-banking account management and method of payment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103413389A CN103413389A (en) | 2013-11-27 |
| CN103413389B true CN103413389B (en) | 2015-09-30 |
Family
ID=49606394
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310181684.5A Active CN103413389B (en) | 2013-05-16 | 2013-05-16 | Based on bank account to non-banking account management and method of payment |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN103413389B (en) |
| WO (1) | WO2014183486A1 (en) |
Families Citing this family (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103413389B (en) * | 2013-05-16 | 2015-09-30 | 深圳市淘淘谷信息技术有限公司 | Based on bank account to non-banking account management and method of payment |
| US20180012218A1 (en) * | 2015-02-06 | 2018-01-11 | Huawei Technologies Co., Ltd. | Payment Method, Payer Terminal, and Payee Terminal |
| WO2016127407A1 (en) * | 2015-02-13 | 2016-08-18 | 华为技术有限公司 | Account information management method and apparatus |
| CN106161550A (en) * | 2015-04-15 | 2016-11-23 | 阿里巴巴集团控股有限公司 | A kind of data processing method and platform |
| CA3022499A1 (en) * | 2015-04-30 | 2016-11-03 | 10353744 Canada Ltd. | Electronic transaction certificate management system |
| CN106067110A (en) * | 2016-02-04 | 2016-11-02 | 安投融（北京）网络科技有限公司 | Improve quick payment and call Third-party payment success rate the method saving the fee |
| CN107369014A (en) * | 2016-05-12 | 2017-11-21 | 银联数据服务有限公司 | A kind of prepaid card method of payment, network payment platform and prepaid card systems |
| CN107516345A (en) * | 2016-06-15 | 2017-12-26 | 西安艾润物联网技术服务有限责任公司 | Parking fee collective system method and apparatus |
| CN106056382B (en) * | 2016-06-20 | 2021-01-15 | 中国银联股份有限公司 | Mobile terminal payment method |
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | 中国银联股份有限公司 | Electronic payment method supporting multiple accounts |
| CN106603636B (en) * | 2016-11-29 | 2020-05-26 | 中国银联股份有限公司 | Error transaction standardization method and device |
| CN107451801A (en) * | 2017-07-11 | 2017-12-08 | 谢奉见 | A kind of management of differential account system based on banking supervision |
| CN108009814B (en) * | 2017-12-26 | 2023-06-02 | 福建省农村信用社联合社 | Method for applying double-account system of synergetic division bank |
| CN113807944A (en) * | 2018-09-07 | 2021-12-17 | 网联清算有限公司 | Spare payment allocation method and device, electronic equipment and storage medium |
| JP7180224B2 (en) * | 2018-09-18 | 2022-11-30 | 富士フイルムビジネスイノベーション株式会社 | Information processing device and program |
| CN110852866A (en) * | 2019-08-05 | 2020-02-28 | 中国银联股份有限公司 | Method, apparatus, and storage medium for managing a plurality of resources |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1464680A (en) * | 2002-06-11 | 2003-12-31 | 华为技术有限公司 | Method and system for implementing payment with SIM card in mobile intelligent network |
| JP2005157986A (en) * | 2003-10-31 | 2005-06-16 | Mars Engineering Corp | Device and method of payment adjusting machine and method of adjusting, currency identifying device and method, payment device, locking device and method of shopping basket, shopping basket, payment system, group and system of cash register gate, deposit change management device and sales management device |
| CN101354770A (en) * | 2007-03-23 | 2009-01-28 | 田小平 | Electronic business system and method for binding membership name with bank card |
| CN101436332A (en) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | Payment system and method |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070214091A1 (en) * | 2005-05-18 | 2007-09-13 | The Western Union Company | Electronic payment instrument system and method |
| CN101944214A (en) * | 2009-07-10 | 2011-01-12 | 海南新生信息技术有限公司 | Multi-card multi-acquiring-bank payment and settlement method and system |
| CN103413389B (en) * | 2013-05-16 | 2015-09-30 | 深圳市淘淘谷信息技术有限公司 | Based on bank account to non-banking account management and method of payment |
-
2013
- 2013-05-16 CN CN201310181684.5A patent/CN103413389B/en active Active
-
2014
- 2014-01-24 WO PCT/CN2014/071350 patent/WO2014183486A1/en active Application Filing
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1464680A (en) * | 2002-06-11 | 2003-12-31 | 华为技术有限公司 | Method and system for implementing payment with SIM card in mobile intelligent network |
| JP2005157986A (en) * | 2003-10-31 | 2005-06-16 | Mars Engineering Corp | Device and method of payment adjusting machine and method of adjusting, currency identifying device and method, payment device, locking device and method of shopping basket, shopping basket, payment system, group and system of cash register gate, deposit change management device and sales management device |
| CN101354770A (en) * | 2007-03-23 | 2009-01-28 | 田小平 | Electronic business system and method for binding membership name with bank card |
| CN101436332A (en) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | Payment system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2014183486A1 (en) | 2014-11-20 |
| CN103413389A (en) | 2013-11-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103413389B (en) | Based on bank account to non-banking account management and method of payment | |
| CN103413216A (en) | Multi-account management payment method | |
| CN108734457B (en) | Refund method under unified cashing system | |
| CN103186851A (en) | Electronic payment system based on cloud data processing technology | |
| CN103975352A (en) | Securely reloadable electronic wallet | |
| CN104299154A (en) | System and method for issuing electronic invoice in offline transaction | |
| CN103942717A (en) | System and method for quantitative evaluation and online monitoring of Internet finance lending risk | |
| CN103679464A (en) | Terminal as well as electronic ticket management platform, use system and method | |
| KR102557152B1 (en) | Direct payment monitoring system and method without withdrawl limit account | |
| CN104504561A (en) | Offline payment and exchange system based on electronic note | |
| CN104463577A (en) | Offline payment and exchange system based on terminal | |
| CN108762727B (en) | Event-driven financial information processing method and system | |
| KR20120100283A (en) | System and method for electronic payment | |
| CN109583854A (en) | The method and device of payer identity is collected under a kind of payment environment | |
| US20120271763A1 (en) | Method and system for mobile remittance | |
| CN111047325B (en) | Collecting system and method | |
| KR20060090846A (en) | Gas fare payment system and payment processing method at gas station | |
| CN106022750A (en) | Instant profit sharing method based on various payments | |
| KR101045241B1 (en) | System and method for authenticating seller using credit card system | |
| KR100476236B1 (en) | System and method for treating sales check of credit card based on Internet | |
| CN105190670A (en) | System and method for online shopping communication authentication of local goods picking-up | |
| KR20110110594A (en) | Secured payment method and system in integration of online and offline | |
| KR20100107366A (en) | System and method for managing medical expenses settlement by installments using phone bill and recording medium | |
| KR20110095603A (en) | Giro service system using mobile | |
| KR20090105011A (en) | Payment method using IP address and payment device thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant |