CN104200365A - Writing and paying method for electronic check - Google Patents

Writing and paying method for electronic check Download PDF

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Publication number
CN104200365A
CN104200365A CN201410446588.3A CN201410446588A CN104200365A CN 104200365 A CN104200365 A CN 104200365A CN 201410446588 A CN201410446588 A CN 201410446588A CN 104200365 A CN104200365 A CN 104200365A
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CN
China
Prior art keywords
bank
echeck
payee
paying
cheque
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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.)
Pending
Application number
CN201410446588.3A
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Chinese (zh)
Inventor
高勃
Original Assignee
高勃
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Publication date
Application filed by 高勃 filed Critical 高勃
Priority to CN201410446588.3A priority Critical patent/CN104200365A/en
Publication of CN104200365A publication Critical patent/CN104200365A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/042Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The invention discloses a writing and paying method for an electronic check. A payer logs in an e-bank, selects payment account numbers and amount from electronic check writing options and writes the electronic check with check numbers, amount and authorization codes, electronic check record including the information is generated and stored, the payer transmits the electronic check to a payee, the payee encrypts the amount, the name of the payee, account numbers of the payee and opening bank information by using the authorization codes as keys and transmits a paying request report with the encrypted information and the check numbers to a Webservice port of a drawer bank with a paying interface after receiving the electronic check, and the drawer bank looks up the authorization codes from the electronic check record through the check numbers, decrypts the paying request report by the authorization codes, verifies the paying request report with the electronic check record in a bank database, transfers capital to the payee if the paying request report is errorless, returns a result report to the payee and cancels the electronic check after verification after receiving the paying request report.

Description

A kind of eCheck make out an invoice and separate pay a method
Technical field
The present invention relates to electronic payment platform technical field, relate in particular to making out an invoice and separating the method for paying of a kind of eCheck.
Background technology
The business such as E-Payment and payment that at present people use, often depends on private line network and the specical software system etc. of third party's payment platform or bank and payee, and promoted extension is little, and at the bottom of popularization efficiency, cost is higher, and formality is easy not.
Summary of the invention
The present invention is in order to solve the problems of the technologies described above, a kind of simple universal is provided, with low cost, everybody payable and gathering eCheck make out an invoice and separate pay a method, this method of payment does not rely on third party's payment platform, do not need dedicated network and personalized system, but use internet and general-purpose system; Payee and payer do not need with bank signing, and simple procedure at any time can receipt and payment, have versatility and opening very widely.
The present invention is achieved through the following technical solutions:
Making out an invoice and separating the method for paying of eCheck, comprises the following steps:
(1) payer logins the Web bank of oneself, on Web bank's page of eCheck project, selecting to open eCheck option with opening, click enters rear selected payment account and the amount of money opens, after opening, bank net system produces a cheque number and an authorization code, form one and there is cheque number, the eCheck of the amount of money and authorization code, in the internet banking system of bank, produce a content and comprise payment account simultaneously, the amount of money, the eCheck record of cheque number and authorization code, and be stored in banking data base, payer will be with cheque number, the eCheck of the amount of money and authorization code sends to payee,
(2) payee receive that payer provides with cheque number, after the eCheck of the amount of money and authorization code, first by the amount of money, payee, payee account and bank of deposit's information use authority code are encrypted as secret key, then the Webservice message format of announcing according to bank of issue, paying message by please solving of the information with after encrypting and cheque number mails to the Webservice port of separating the bank of issue of paying interface by internet, bank of issue is received to solve and is paid after message, pass through cheque number, from eCheck record, find authorization code, please solve a pair message using the authorization code of finding as secret key pair is decrypted, again with banking data base in eCheck record check, after errorless, be given to payee by fund, respond result message to payee simultaneously, check and write off this eCheck.
In step (1) before, the method also comprises: in bank net system, increase a module that opens eCheck option, and increase a solution pair interface at the interconnected network interface of bank.
Described payer is by the Web bank of Web bank or Mobile banking's login oneself.
Described payer will be with cheque number, and the eCheck information of the amount of money and authorization code is with webpage, mail, and Email, phone, short message mode sends to payee.
Cryptographic algorithm adopts 3DES algorithm.
The Webservice message format of announcing according to bank of issue, with meeting the independently developed software of the specification that bank announces or with the corresponding tool software providing in website of bank, paying message by please solving of the information with after encrypting and cheque number and mail to the Webservice port of separating the bank of issue of paying interface by internet.
Bank of issue confirm errorless after by fund by transferring accounts in row or payment system is given to payee.
Compared with prior art, the present invention has following useful technique effect:
ECheck provided by the invention make out an invoice and separate pay a method, operate on bank net by payer oneself, produce an independently eCheck, thereby do not rely on third party's payment platform, do not need dedicated network and personalized system, but use internet and general-purpose system; Payee and payer do not need with bank signing, and simple procedure at any time can receipt and payment, have versatility and opening very widely.Meanwhile, this check only need to increase corresponding functional module in the client of bank, therefore with low cost, and simply therefore simple universal of this check form, everybody payable and gathering, can solve all kinds of payments and payment transaction.
Because the present invention selected payment account and amount of money in the time making out an invoice as long as on Net silver can open, do not limit payee, because this check is opened by bank, there is high confidence level, therefore easy to use.
In addition, be encrypted as secret key by the information use authority code to except cheque number, the information that ensured is not tampered.
Owing to adopting open message and public encryption algorithm, thereby payee can self-developing software sends to separate to bank of issue and pays a message, also can use the general utility tool software solution providing in website of bank to pay.Bank settlement people is without signing with bank, and without dedicated network, any entity or individual can receipt and payment, make easy to operate.
Brief description of the drawings
Fig. 1 is making out an invoice of eCheck and separates and pay method flow diagram one;
Fig. 2 is making out an invoice of eCheck and separates and pay method flow diagram two.
Embodiment
Below in conjunction with specific embodiment, the present invention is described in further detail, and the explanation of the invention is not limited.
Referring to Fig. 1 to Fig. 2, making out an invoice and separating the method for paying of a kind of eCheck, comprises the following steps:
(1) in bank net system, increase a module that opens eCheck option, and increase a solution pair interface at the interconnected network interface of bank.
(2) payer is by the Web bank of Web bank or Mobile banking's login oneself, on Web bank's page of eCheck project, selecting to open eCheck option with opening, click enters rear selected payment account and the amount of money opens, after opening, bank net system produces a cheque number and an authorization code, form one and there is cheque number, the eCheck of the amount of money and authorization code, in the internet banking system of bank, produce a content and comprise payment account simultaneously, the amount of money, the eCheck record of cheque number and authorization code, and be stored in banking data base, payer will be with cheque number, the eCheck of the amount of money and authorization code is with webpage, mail, Email, phone, the modes such as note send to payee.
(3) payee is with webpage, mail, Email, phone, the modes such as note receive after the eCheck with cheque number, the amount of money and authorization code that payer provides, first the amount of money, payee, payee account and bank of deposit's information use authority code are encrypted as secret key, cryptographic algorithm adopts 3DES algorithm, then the Webservice message format of announcing according to bank of issue, with meeting the independently developed software of the specification that bank announces or with the corresponding tool software providing in website of bank, paying message by please solving of the information with after encrypting and cheque number mails to the Webservice port of separating the bank of issue of paying interface by internet, bank of issue is received to solve and is paid after message, pass through cheque number, from eCheck record, find authorization code, please solve a pair message using the authorization code of finding as secret key pair is decrypted, again with banking data base in eCheck record check, after errorless by fund by transferring accounts in row or payment system is given to payee, respond result message to payee simultaneously, check and write off this eCheck.
Application example of the present invention:
1, online payment
Payer opens eCheck, provides cheque number by webpage to payee, and the amount of money and authorization code complete online payment.The cheque number that payee provides with payer, authorization code, the amount of money, add the receiver information of oneself, use the independently developed software of the specification that meets bank's announcement or the general utility tool software that bank of issue provides, send request to separate to bank of issue and pay a message, can receive in time the response of bank, as errorless in information, bank of issue is transferred accounts to payee, transfers accounts similar with Net silver.As wrong, bank of issue is pointed out the reason that can not pay to payee.
2, phone-payment
Payer opens eCheck, provides cheque number by phone to payee, and the amount of money and authorization code complete payment.It is the same that payee separates the process of paying.
3., note payment
Billing unit, for example telecom operators, CATV (cable television), property, water power etc. are as accepted eCheck, and payer can send cheque number to payee by note, the amount of money and authorization code, and complete payment.It is the same that payee separates the process of paying.
4, to paying the bill without POS machine trade company
Payer opens eCheck, provides cheque number to payee, and the amount of money and authorization code complete payment.It is the same that payee separates the process of paying.
5, without card enchashment
Payer opens eCheck, provides cheque number to bank counter or cash dispenser, and the amount of money and authorization code can be without card enchashments.
If the therefore water meter of family, ammeter, CATV set-top-box, gas meter etc. can be accomplished intellectuality, can use the WiFi of family to connect respective vendor by internet, user only need open Simple electronic check, input relevant information and can complete payment on corresponding terminal.It is the same that payee separates the process of paying.
More than show and described ultimate principle of the present invention and principal character and advantage of the present invention.The technician of the industry should understand; the present invention is not restricted to the described embodiments; that in above-described embodiment and instructions, describes just illustrates principle of the present invention; without departing from the spirit and scope of the present invention; the present invention also has various changes and modifications, and these changes and improvements all fall in the claimed scope of the invention.The claimed scope of the present invention is defined by appending claims and equivalent thereof.

Claims (7)

  1. ECheck make out an invoice and separate pay a method, it is characterized in that, comprise the following steps:
    (1) payer logins the Web bank of oneself, on Web bank's page of eCheck project, selecting to open eCheck option with opening, click enters rear selected payment account and the amount of money opens, after opening, bank net system produces a cheque number and an authorization code, form one and there is cheque number, the eCheck of the amount of money and authorization code, in the internet banking system of bank, produce a content and comprise payment account simultaneously, the amount of money, the eCheck record of cheque number and authorization code, and be stored in banking data base, payer will be with cheque number, the eCheck of the amount of money and authorization code sends to payee,
    (2) payee receive that payer provides with cheque number, after the eCheck of the amount of money and authorization code, first by the amount of money, payee, payee account and bank of deposit's information use authority code are encrypted as secret key, then the Webservice message format of announcing according to bank of issue, paying message by please solving of the information with after encrypting and cheque number mails to the Webservice port of separating the bank of issue of paying interface by internet, bank of issue is received to solve and is paid after message, pass through cheque number, from eCheck record, find authorization code, please solve a pair message using the authorization code of finding as secret key pair is decrypted, again with banking data base in eCheck record check, after errorless, be given to payee by fund, respond result message to payee simultaneously, check and write off this eCheck.
  2. ECheck according to claim 1 make out an invoice and separate pay a method, it is characterized in that, in step (1) before, the method also comprises: in bank net system, increase a module that opens eCheck option, and increase a solution pair interface at the interconnected network interface of bank.
  3. 3. the making out an invoice and separate the method for paying of eCheck according to claim 1, is characterized in that, described payer is by the Web bank of Web bank or Mobile banking login oneself.
  4. 4. the making out an invoice and separate the method for paying of eCheck according to claim 1, is characterized in that, described payer will be with cheque number, and the eCheck information of the amount of money and authorization code is with webpage, mail, and Email, phone, short message mode sends to payee.
  5. 5. the making out an invoice and separate the method for paying of eCheck according to claim 1, is characterized in that, cryptographic algorithm adopts 3DES algorithm.
  6. ECheck according to claim 1 make out an invoice and separate pay a method, it is characterized in that,
    The Webservice message format of announcing according to bank of issue, with meeting the independently developed software of the specification that bank announces or with the corresponding tool software providing in website of bank, paying message by please solving of the information with after encrypting and cheque number and mail to the Webservice port of separating the bank of issue of paying interface by internet.
  7. 7. the making out an invoice and separate the method for paying of eCheck according to claim 1, is characterized in that, bank of issue confirm errorless after by fund by transferring accounts in row or payment system is given to payee.
CN201410446588.3A 2014-09-03 2014-09-03 Writing and paying method for electronic check Pending CN104200365A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201410446588.3A CN104200365A (en) 2014-09-03 2014-09-03 Writing and paying method for electronic check

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201410446588.3A CN104200365A (en) 2014-09-03 2014-09-03 Writing and paying method for electronic check

Publications (1)

Publication Number Publication Date
CN104200365A true CN104200365A (en) 2014-12-10

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Family Applications (1)

Application Number Title Priority Date Filing Date
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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017012030A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Method, system and device for opening electronic certificate
WO2017012034A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Electronic certificate payment method and device
WO2017012055A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Electronic certificate payment method, system and device
WO2017011998A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Online funds management method, and data interaction processing method and device
CN110264327A (en) * 2019-05-29 2019-09-20 阿里巴巴集团控股有限公司 A kind of processing method of transfer request, device and equipment
US10546289B1 (en) 2015-12-30 2020-01-28 Wells Fargo Bank, N.A. Mobile wallets with automatic element selection

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1529271A (en) * 2003-10-17 2004-09-15 邵军利 Digital Cheque System and method for realizing same
CN1558360A (en) * 2004-01-16 2004-12-29 魁 金 System and method for accomplishing capital payment applying electro-check
CN101236629A (en) * 2007-02-01 2008-08-06 阿里巴巴公司 On-line payment system and payment procedure
CN101571939A (en) * 2008-04-30 2009-11-04 中国移动通信集团公司 Method, device and system for using electronic checks for business transaction
CN101833733A (en) * 2010-02-22 2010-09-15 中国农业银行股份有限公司深圳市分行 Electronic transfer check system and payment settlement method thereof
CN101986336A (en) * 2010-10-21 2011-03-16 陈祁麟 Electronic check payment system and electronic check payment method

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1529271A (en) * 2003-10-17 2004-09-15 邵军利 Digital Cheque System and method for realizing same
CN1558360A (en) * 2004-01-16 2004-12-29 魁 金 System and method for accomplishing capital payment applying electro-check
CN101236629A (en) * 2007-02-01 2008-08-06 阿里巴巴公司 On-line payment system and payment procedure
CN101571939A (en) * 2008-04-30 2009-11-04 中国移动通信集团公司 Method, device and system for using electronic checks for business transaction
CN101833733A (en) * 2010-02-22 2010-09-15 中国农业银行股份有限公司深圳市分行 Electronic transfer check system and payment settlement method thereof
CN101986336A (en) * 2010-10-21 2011-03-16 陈祁麟 Electronic check payment system and electronic check payment method

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017012030A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Method, system and device for opening electronic certificate
WO2017012034A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Electronic certificate payment method and device
WO2017012055A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Electronic certificate payment method, system and device
WO2017011998A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Online funds management method, and data interaction processing method and device
US10546289B1 (en) 2015-12-30 2020-01-28 Wells Fargo Bank, N.A. Mobile wallets with automatic element selection
CN110264327A (en) * 2019-05-29 2019-09-20 阿里巴巴集团控股有限公司 A kind of processing method of transfer request, device and equipment

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Application publication date: 20141210

RJ01 Rejection of invention patent application after publication