CN104680361A - Enchashment method and system based on third-party platform - Google Patents
Enchashment method and system based on third-party platform Download PDFInfo
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- CN104680361A CN104680361A CN201510061308.1A CN201510061308A CN104680361A CN 104680361 A CN104680361 A CN 104680361A CN 201510061308 A CN201510061308 A CN 201510061308A CN 104680361 A CN104680361 A CN 104680361A
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Abstract
The invention discloses an enchashment method and system based on a third-party platform. The method comprises the following steps: a third-party platform receives an enchashment request submitted by a user through a mobile phone client side, and carries out feasibility verification; if the enchashment request passes the feasibility verification, a public account is used as a settlement account to make a cash transaction request to a bank, and meanwhile, a traction key applied to the cash transaction request is generated and sent to the mobile phone of the user; an ATM (automatic teller machine) terminal receives a user selection instruction and enters a third-party platform transaction channel, and verification information contained in the transaction key on the mobile phone of the user is obtained and is sent to a bank server side for verification; if the verification information passes the verification, the cash transaction request is permitted, and the cash transaction is finished by the ATM terminal; on the basis of the public account and a cash transaction result, a virtual cash account under the personal account of the user is synchronously updated. According to the enchashment method and system, a convenient and quick enchashment method is provided for the user through the third-party platform, meanwhile, the data handling capacity of the bank is reduced, and working efficiency is improved.
Description
Technical field
The present invention relates to ecommerce and network finance technical field, refer to a kind of enchashment method and system based on third-party platform especially.
Background technology
First, the flourish development having driven mobile Internet and internet finance of ecommerce, make based on the online transaction of Internet technology and payment technology increasingly mature, be that the Third-party payment platform of representative arises at the historic moment with Alipay.Secondly, traditional financial circles are done honest work the challenge be day by day subject to from internet finance, and up to the present, the financial transaction that internet finance can be reached has contained the non-cash transaction of traditional financial substantially general.Again, the expansion on traditional financial and finance border, the internet megatrend that certainly will will become following Global finance and develop.
The payment function of current internet payment platform is taked mutually to bind with traditional bank card to realize substantially, because third-party platform is virtual account, the cash clearance between bank cannot be completed, so the financial transaction of unreality class can only be realized, so as to realizing the funds transfer between virtual account, or indirectly complete transfer transactions by the bank card of binding.Thus make the demand of withdrawing deposit of network client can not get directly meeting.Meanwhile, under line, client only has in advance at issuing bank of bank card, then handles and open online payment function and can realize online electronic transaction, causes relatively lagging behind and inconvenience of service.In addition, the financial function why delaying to realize direct enchashment in internet is also the needs that cannot realize supervising, and various network currency is the red line of financial supervision always.
Summary of the invention
In view of this, the object of the invention is to proposition a kind of easily and fast based on the enchashment method and system of third-party platform.
Based on above-mentioned purpose a kind of enchashment method based on third-party platform provided by the invention, user registers individual account at described third-party platform, and associates its phone number, and described individual account divides into virtual cash account; Described third-party platform offers common account in bank;
Said method comprising the steps of:
Described third-party platform receives the enchashment request that user is submitted to by cell-phone customer terminal, and carry out feasibility checking, if pass through, then with described common account for settlement accounts proposes money transaction request to bank, and generate the transaction key corresponding to described money transaction request simultaneously and be sent to user mobile phone;
ATM terminal receives user's selection instruction, enters third-party platform trading channel, obtains the check information that the described transaction key on user mobile phone comprises, and be sent to bank server end and verify, if verification is passed through, then allow described money transaction request, complete money transaction by ATM terminal;
Based on described common account and according to the result of described money transaction, the virtual cash account under synchronized update individual subscriber account.
Preferably, described third-party platform provides commodity transactional services for user, and the expenditure of commodity transaction and income remember the described virtual cash account of depositing to user.
Preferably, described feasibility checking specifically comprises:
Check whether individual subscriber account is in normal condition;
Check whether individual subscriber account has authority of can withdrawing deposit;
Check whether user's virtual cash account balance is more than or equal to the request number of described enchashment request.
Optionally, according to recording and the user's current transaction behavioral data added up or the data obtained from external server, described third-party platform distributes credit grade to user, resets the amount of withdrawing deposit of described virtual cash account according to described credit grade.
Preferably, described transaction key is provided with the effective time limit being no more than five minutes; When described transaction key is not read in described effective time limit, it deletes by cell-phone customer terminal from all storeies.
Optionally, described transaction key is Quick Response Code, and described ATM terminal was connected camera and absorbed described transaction key to obtain check information.
Optionally, described transaction key is non-image formula electronics code or non-visual electronics code, and described ATM terminal and user mobile phone realize near-field communication by bluetooth or NFC, to obtain check information.
Optionally, user can also realize described enchashment method by the mobile digital terminal being provided with SIM card module.
Present invention also offers a kind of realization, as above based on the system of the enchashment method of third-party platform, to comprise: third-party platform, mobile phone, ATM terminal, bank server; Wherein:
Described third-party platform, registers for providing individual account for user, manages, and commodity transaction service; Also for receiving, processing the enchashment request of user, and propose money transaction request to described bank server accordingly, send transaction key to described mobile phone simultaneously;
Described mobile phone, comprises for the cell-phone customer terminal mutual with described third-party platform, and according to user instruction, proposes enchashment request;
Described ATM terminal, comprises one for reading described transaction key to obtain the read module of check information;
Described bank server, for receiving the money transaction request of described third-party platform, and with described ATM terminal communication, check information verification by time, allow described ATM terminal to complete money transaction.
Optionally, when described transaction key is Quick Response Code, described read module is camera; When described transaction key is non-image formula electronics code, described read module is bluetooth or NFC module.
As can be seen from above, the enchashment method and system based on third-party platform provided by the invention, by third-party platform for user provides one conveniently enchashment method.At customer-side, its individual account by means of only operation third-party platform can realize encashment service, avoid use bank or other network finance service providers provide enchashment to serve time need carry out tedious steps; In bank, it is only concluded the business with the common account generation monetary transaction of third-party platform, the personal information of enchashment people, the process such as authentication completes by third-party platform, greatly reduce the data processing amount of bank one side, alleviate its data processing load, it can be helped to increase work efficiency.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the enchashment method flow diagram based on third-party platform of the embodiment of the present invention;
Fig. 2 is the system architecture figure of the embodiment of the present invention.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly understand, below in conjunction with specific embodiment, and with reference to accompanying drawing, the present invention is described in more detail.
Embodiments provide a kind of enchashment method based on third-party platform, described third-party platform is the main part for user provides enchashment to serve, and it is also offered daily service by user provides general website platform simultaneously.Based on, third-party platform for user provides, register, management service by individual account, and user can register individual account in third-party platform website, and individual account records the individual essential information of user, user, when using the service of third-party platform, needs first to be logged in by individual account.The individual account of user has a virtual cash account, the expenditure that the service that this virtual cash account is used for leading subscriber use third-party platform produces and income.In the present embodiment, third-party platform is user's commodity transaction service further, and user can carry out commodity selling and purchase by third-party platform.The fund expenditure that user is produced by commodity transaction or income, settle accounts the common account offered in its cooperative bank by third-party platform, transaction results, then can be recorded to the virtual cash account of user.Such as, user obtains 500 yuan of incomes by vending articles, these the 500 yuan common account that will put third-party platform under, in virtual cash account simultaneously under the individual account of this user, the equivalence charging to 500 yuan is taken in, and (equivalence income is herein only and illustrates use, in practical operation, third-party platform may collect certain service charge, is less than real trade volume to cause the amount of money of user's virtual cash account); Same, when user have purchased commodity, buy gold and is paid by common account, simultaneously correspondingly to deduct in the virtual cash account of user.In the present embodiment, need for using in the consideration of user account safety and subsequent step, if user wants the commodity transaction service and the enchashment service that use third-party platform, then must by its its phone number of people's account relating.
With reference to figure 1, it is the enchashment method flow diagram based on third-party platform of the embodiment of the present invention.
Based on above-mentioned third-party platform framework, enchashment service can be provided for user, specifically comprise the following steps:
Step 101: described third-party platform receives the enchashment request that user is submitted to by cell-phone customer terminal, and carry out feasibility checking, if pass through, then with described common account for settlement accounts proposes money transaction request to bank, and generate the transaction key corresponding to described money transaction request simultaneously and be sent to user mobile phone.
In this step, first third-party platform receives the enchashment request that user submits to, and this enchashment request is submitted to third-party platform after using individual account to log in third-party platform by user by cell-phone customer terminal.Described cell-phone customer terminal can directly be downloaded by third-party platform or other APP download websites and is arranged on user mobile phone, and it can support common as mobile phone operating systems such as IOS, Android, Windows.
After third-party platform receives enchashment request, feasibility checking can be carried out to it, namely feasibility checking verifies that whether the individual account of the request user of this enchashment request is legal, and based on asking the virtual cash accounts information of user, verifies whether this enchashment request meets curve condition.Concrete, in the present embodiment, described feasibility checking specifically comprises:
Check whether individual subscriber account is in normal condition;
Check whether individual subscriber account has authority of can withdrawing deposit;
Check whether user's virtual cash account balance is more than or equal to the request number of described enchashment request.
First check individual account state, when individual account is for freezing (having illegal operation record), during the illegal states such as un-activation (not logging in for a long time), then feasibility checking is not passed through.Further, the withdrawn deposit authority of individual subscriber account is checked; Not individual account used all possesses authority of can withdrawing deposit, such as, user's sets itself does not open its virtual cash account, or in the situation such as not associated cell-phone number, all do not possess authority of can withdrawing deposit, when submitting to the individual subscriber account of enchashment request not possess authority of can withdrawing deposit, then feasibility checking is not passed through.Finally, check user's virtual cash account balance, namely whether remaining sum enough pays the number of this enchashment request, and when Sorry, your ticket has not enough value, feasibility checking is not passed through.When the result of feasibility checking is obstructed out-of-date, by prompting frame, voice or other notice forms, refusal enchashment request, informs that user does not pass through reason simultaneously.
After feasibility is verified, according to the particular content (mainly the enchashment amount of money) of enchashment request, third-party platform with its common account for settlement accounts proposes a money transaction request based on user's enchashment request to bank; Such as, user submits the enchashment request of an enchashment 300 yuan to, after feasibility is verified, third-party platform with its common account for settlement accounts proposes to bank the money transaction request that an amount is 300 yuan.While third-party platform proposes money transaction request to bank, a transaction key can be sent to the cell-phone number sent associated by account of enchashment request, this transaction key includes check information, and bank needs by verifying this check information, finally to allow above-mentioned money transaction request.
Step 102:ATM terminal receives user's selection instruction, enter third-party platform trading channel, obtain the check information that the described transaction key on user mobile phone comprises, and be sent to bank server end and verify, if verification is passed through, then allow described money transaction request, complete money transaction by ATM terminal.
In this step, after user mobile phone receives transaction key, user can hold mobile phone goes out to continue the present embodiment enchashment method to arbitrary ATM terminal of bank.ATM terminal in the present embodiment pre-sets special in the third-party platform trading channel of user by third-party platform enchashment, and user can pass through the special opening button in ATM terminal, to enter this third-party platform trading channel.
First user operates ATM terminal, and ATM terminal receives user's selection instruction, enters third-party platform trading channel.In the present embodiment, described transaction key is Quick Response Code.At the camera position place of ATM terminal, user holds mobile phone and opens display and receives Quick Response Code transaction key, and ATM terminal was connected camera and absorbed described Quick Response Code transaction key to obtain check information.After ATM terminal gets check information, information back will be verified to bank server, by bank server, this check information be verified.Namely bank server is by verification, determine that the money transaction request that transaction key on user mobile phone and third-party platform common account propose matches, if verification is passed through, then bank server can send permission instruction to ATM terminal, ATM terminal will complete the money transaction of above-mentioned request, to user's cash payment, simultaneously in the clearing of third-party platform common account, pay the corresponding amount of money.When carrying out enchashment, for improving security further, can also require to export a payment cipher set when it registers individual account by user; Can also authentication being carried out simultaneously, ATM terminal being arranged corresponding authentication module for completing above-mentioned authentication, this authentication preferably human organ identification, as fingerprint recognition, face-image identification.
As preferably, in the present embodiment, described transaction key is provided with the effective time limit being no more than five minutes.For the consideration of transaction security, if transaction key store for a long time with user mobile phone among, stolen danger will inevitably be increased, therefore to transaction key, need effective time limit be set, consider the enchashment operation of general user's routine, described effective time limit is no more than five minutes.Further, when described transaction key is not read in described effective time limit, it deletes by cell-phone customer terminal from all storeies, namely all deletes, to prevent leaking of transaction key from all read-only storages of mobile phone, external connection of storage card and internal memory.
Step 103: based on described common account and according to the result of described money transaction, the virtual cash account under synchronized update individual subscriber account.
In this step, after above-mentioned money transaction completes, the virtual cash account completing the user of this money transaction according to the common account real trade result being directed to above-mentioned transaction, can be carried out real-time synchronized update by third-party platform.Namely if user is by said method, the transaction volume that carried out is the enchashment transaction of 300 yuan, after completing, in the account balance of its virtual cash account, deducts 300 yuan.
For the enchashment method based on third-party platform of the embodiment of the present invention, the virtual cash account of user under the fund income that third-party platform produces can charge to its people's account, actual funds can be stored into the common account of third-party platform, based on this, when user wishes to carry out enchashment, proposition enchashment request, the money transaction with interbank is completed by third-party platform, give user with interim enchashment authority (i.e. transaction key) simultaneously, finally complete enchashment by user in ATM terminal and conclude the business.Visible, user obtains a kind of method by the quick enchashment of third-party platform, simultaneously, bank is based on said method, also can remove from and carry out the work such as authentication, Transaction Information process between a large amount of enchashment user, above-mentioned work completes by third-party platform, directly enhances the work efficiency of bank side.
In certain embodiments, for the individual account of each user, third-party platform can record and add up its current transaction behavioral data, as frequency of utilization, single use amount, other users evaluate etc., accordingly, for user distributes credit grade, reset the amount of withdrawing deposit of described virtual cash account according to described credit grade.Such as, credit grade is divided into high, medium and low three ranks, when credit grade be high user carry out enchashment time, its actual enchashment amount be allowed to can exceed 20% of its maximum balance.In addition, third-party platform by the data obtained from external server, as relevant government agencies or other authoritative institutions being engaged in public trust grading and providing public telecommunications services, can also distribute credit grade according to obtaining data from these mechanisms to user.
In certain embodiments, described transaction key can also be non-image formula electronics code or non-visual electronics code, when obtaining the check information that non-image formula electronics code comprises, mobile phone and ATM terminal is needed to carry out data communication to read, concrete mode can be bluetooth or NFC, then corresponding, mobile phone and ATM terminal can be provided with bluetooth module or NFC module, to realize near-field communication.
In embodiments of the present invention, user can also carry out described enchashment method by other mobile device, namely the mobile digital terminal of SIM card module is provided with, as PAD, notebook computer, or the special special mobile digital terminal for carrying out enchashment based on method of the present invention.
The embodiment of the present invention additionally provides a kind of system realizing the above-mentioned enchashment method based on third-party platform, with reference to figure 2, is the system architecture figure of the embodiment of the present invention.
This system is made up of third-party platform 201, mobile phone 202, ATM terminal 203, bank server 204, concrete:
Described third-party platform 201, registers for providing individual account for user, manages, and commodity transaction service; Also for receiving, processing the enchashment request of user, and propose money transaction request to described bank server accordingly, send transaction key to described mobile phone simultaneously;
Wherein, user to carry out above-mentioned web sites function by PC 205 or mobile phone 202 and third-party platform 201 mutual.
Described mobile phone 202, comprises for the cell-phone customer terminal mutual with described third-party platform, and according to user instruction, proposes enchashment request;
Described ATM terminal 203, comprises one for reading described transaction key to obtain the read module of check information;
Described bank server 204, for receiving the money transaction request of described third-party platform, and with described ATM terminal communication, check information verification by time, allow described ATM terminal to complete money transaction.
In certain embodiments, when described transaction key is Quick Response Code, the described read module that ATM terminal 203 is arranged is camera; When described transaction key is non-image formula electronics code, described read module is bluetooth or NFC module.
Will the seeking unification of this patent system, dynamic platform disbursement account management, the payment preparation system of a self-assembling formation relative dynamic, perfection solves prior art Problems existing.
This patent is in conjunction with Internet technology, encryption, radio frequency, video, coding techniques; not only perfect can realize the protection of customer information; meanwhile, the work flow of " unified account, dynamically lays in; point family clearing " of enforcement; not only significantly reduce the artificial and Material Cost of bank's end approval by the client, fabrication, hair fastener, improve work efficiency, mitigation system computing pressure; improve service radius and bank machine service efficiency, and therefrom get intermediary service income.The angle of payment platform, achieve the transition from virtual account to entity account, for client on line online under complete financial solution is provided.From the angle of supervision department, effectively prevent a supervision difficult problem for network currency interference physical monetary.Thus realize the optimum financial general layout of multi-win at one stroke.
Those of ordinary skill in the field are to be understood that: the foregoing is only specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. based on an enchashment method for third-party platform, it is characterized in that, user registers individual account at described third-party platform, and associates its phone number, and described individual account divides into virtual cash account; Described third-party platform offers common account in bank;
Said method comprising the steps of:
Described third-party platform receives the enchashment request that user is submitted to by cell-phone customer terminal, and carry out feasibility checking, if pass through, then with described common account for settlement accounts proposes money transaction request to bank, and generate the transaction key corresponding to described money transaction request simultaneously and be sent to user mobile phone;
ATM terminal receives user's selection instruction, enters third-party platform trading channel, obtains the check information that the described transaction key on user mobile phone comprises, and be sent to bank server end and verify, if verification is passed through, then allow described money transaction request, complete money transaction by ATM terminal;
Based on described common account and according to the result of described money transaction, the virtual cash account under synchronized update individual subscriber account.
2. the enchashment method based on third-party platform according to claim 1, is characterized in that, described third-party platform provides commodity transactional services for user, and the expenditure of commodity transaction and income remember the described virtual cash account of depositing to user.
3. the enchashment method based on third-party platform according to claim 1, is characterized in that, described feasibility checking specifically comprises:
Check whether individual subscriber account is in normal condition;
Check whether individual subscriber account has authority of can withdrawing deposit;
Check whether user's virtual cash account balance is more than or equal to the request number of described enchashment request.
4. the enchashment method based on third-party platform according to claim 1, it is characterized in that, according to recording and the user's current transaction behavioral data added up or the data obtained from external server, described third-party platform distributes credit grade to user, resets the amount of withdrawing deposit of described virtual cash account according to described credit grade.
5. the enchashment method based on third-party platform according to claim 1, it is characterized in that, described transaction key is provided with the effective time limit being no more than five minutes; When described transaction key is not read in described effective time limit, it deletes by cell-phone customer terminal from all storeies.
6. the enchashment method based on third-party platform according to claim 1, is characterized in that, described transaction key is Quick Response Code, and described ATM terminal was connected camera and absorbed described transaction key to obtain check information.
7. the enchashment method based on third-party platform according to claim 1, it is characterized in that, described transaction key is non-image formula electronics code or non-visual electronics code, and described ATM terminal and user mobile phone realize near-field communication by bluetooth or NFC, to obtain check information.
8. the enchashment method based on third-party platform according to claim 1, is characterized in that, user can also realize described enchashment method by the mobile digital terminal being provided with SIM card module.
9. realize a system for the enchashment method based on third-party platform as described in claim 1 to 8 any one, it is characterized in that, comprising: third-party platform, mobile phone, ATM terminal, bank server; Wherein:
Described third-party platform, registers for providing individual account for user, manages, and commodity transaction service; Also for receiving, processing the enchashment request of user, and propose money transaction request to described bank server accordingly, send transaction key to described mobile phone simultaneously;
Described mobile phone, comprises for the cell-phone customer terminal mutual with described third-party platform, and according to user instruction, proposes enchashment request;
Described ATM terminal, comprises one for reading described transaction key to obtain the read module of check information;
Described bank server, for receiving the money transaction request of described third-party platform, and with described ATM terminal communication, check information verification by time, allow described ATM terminal to complete money transaction.
10. system according to claim 9, is characterized in that, when described transaction key is Quick Response Code, described read module is camera; When described transaction key is non-image formula electronics code, described read module is bluetooth or NFC module.
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