CN105741094A - Payment system for immediately transferring to account and electronic business system - Google Patents
Payment system for immediately transferring to account and electronic business system Download PDFInfo
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- CN105741094A CN105741094A CN201610051198.5A CN201610051198A CN105741094A CN 105741094 A CN105741094 A CN 105741094A CN 201610051198 A CN201610051198 A CN 201610051198A CN 105741094 A CN105741094 A CN 105741094A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention discloses a payment system for immediately transferring to an account and an electronic business system. The payment system comprises a payment result receiving module for receiving a payment result, and a real-time settlement module for performing real-time settlement on a recipient account. According to the payment system, real-time settlement can be performed on the recipient account, i.e., the fund can be transferred to the recipient account after the client confirms payment, so as to improve timeliness of the fund turnover of merchants.
Description
Technical field
The present invention relates to a kind of instant payment system to account and electricity quotient system system.
Background technology
The tide of current ecommerce sweeps over the country, and runs a shop on the net and has become as a kind of fashion, and the important business that increasing trade company has all put in the tide of ecommerce as e-commerce platform supports.And quickly capital turnover is the life line of trade company, also it is an e-commerce platform important element attracting trade company simultaneously, how rationally instant trade company's bill and account receivable is incorporated into business's account, be the important topic that faces of current electronic payment platform.
On the Third-party payment platform of current main flow, the next day that they being substantially for the clearance of business's account or periodically clearance, namely the bill and account receivable of trade company confirms second day of payment buyer or gets to business's account after some skies.
Existing Third-party payment platform cannot accomplish that clearance is (namely while client confirms payment in real time, instant for fund cannot be given trade company) reason is as follows: some Third-party payment platforms use an intermediate account as interim collecting account transition, namely terminate as real-time deal when fund is temporarily deposited in after customer payment intermediate account.Day terminal hour reliquidates, the next day or some days after, fund is proceeded to business's account.This delay is unfavorable for the capital turnover of trade company, would is that a serious defect for the trade company of much-needed money in the short time.Some electricity independently developed payment platforms of business's platform, directly use platform itself immediately to collect money as a total trade company, are also regularly clear to each trade company more afterwards.Huge owing to relating to clearance amount, fund really arrives the cycle of business's account can be longer, and this can allow most of middle-size and small-size trade company hang back, and then hinders the development of electricity business's platform.The payment gateway of major part bank is only capable of the real-time trade company clearance solving one's own profession fund, and cannot be carried out inter-bank and pay, and does not therefore possess the condition as payment platform.
Summary of the invention
In view of the drawbacks described above of prior art, embodiments of the present invention provide the instant payment system to account, electricity quotient system system.
The instant payment system to account that embodiments of the present invention provide, wherein, including: payment result receiver module, receive payment result；Clear module in real time, according to this payment result, beneficiary account is cleared in real time.
Correspondingly, embodiment of the present invention additionally provides the instant electric quotient system to account and unites, wherein, including: above-mentioned payment system.
According to the embodiment of the present invention, it is possible to realizing the real-time clearance of collecting account, namely fund can arrive beneficiary account after client confirms payment, so that the capital turnover of beneficiary is ageing higher.
Accompanying drawing explanation
Fig. 1 is the block diagram of an embodiment of the payment system according to embodiment of the present invention；
Fig. 2 is the block diagram of another embodiment of the payment system according to embodiment of the present invention.
Detailed description of the invention
For the ease of understanding the various aspects of technical solution of the present invention, feature and advantage, below in conjunction with accompanying drawing, the present invention is specifically described.Should be appreciated that following various embodiments are served only for illustrating, not for limiting the scope of the invention.
As shown in Figure 1, it is shown that a kind of instant payment system 1 to account of embodiment of the present invention, comprising: payment result receiver module 10, module 20 is cleared in real time.
Hereinafter, payment system 1 and modules are described in detail.
For payment system 1, client can pass through payment system 1 and select different channels that order is paid the bill.Such as, client can select the bank at payment system 1 place to pay the bill, or client can pass through payment system 1 and select other banks (or third party) that order is paid the bill.Payment system 1 can support all kinds of means of payment.Such as, payment under guarantee in the main flow means of payment that at present electricity business's platform is supported, direct payment, loan payment, the credit card are by stages and combined payment etc..
Client is after paying the bill to order, and the payment result receiver module 10 of payment system 1 receives payment result.Such as, payment result receiver module 10 is notified by the page, server notice, the quasi real time mode such as verification receive receiving bank's button item of remitting money and successfully notify, so that it is guaranteed that accurately receive one's own profession system or the payment result of inter-bank system.
After receiving payment result, beneficiary account (such as business's account) is cleared in real time by the module 20 of clearance in real time of payment system 1 according to this payment result.In an embodiment, in real time clearance module 20 is such as provided loans according to payment result, by provide loans in real time by funds transfer to beneficiary account, thus realizing clearance in real time.
Payment system 1 is owing to possessing payment result receiver module 10 and clearing module 20 in real time, therefore the real-time clearance of one's own profession payment can not only be carried out, the real-time clearance of inter-bank payment can also be carried out and be namely combined transaction (combination transaction refer to two or more net in an application scenarios between the Trading Model that combines of communication transaction), and also it is able to ensure that the concordance of combination transaction, namely guarantee that third party bank withholds and one's own profession is provided loans the concordance of two asynchronous transaction combination.
Non-atomic due to asynchronous transaction combination, cause the possibility certainly existing interruption, therefore to further ensure that the concordance of combination transaction and the discovery of abnormal account and process, as in figure 2 it is shown, payment system 1 is it is also preferred that possess and rush positive module 30, DayEndProcess module 40.
Transaction is just quasi real time being rushed by payment system 1 by rushing positive module 30, after namely system determines Fail Transaction of providing loans, quasi real time initiates inter-bank reimbursement transaction.Such as, rush positive module 30 according to the result of the clearance in real time of clearance module 20 in real time, transaction is just quasi real time being rushed.
Transaction is carried out mistake reconciliation on 40th by DayEndProcess module by payment system 1 eventually, processes minute quantity exception account in real-time deal, to realize solving abnormal account all standing.Such as, transaction can be carried out mistake reconciliation according to the result of the clearance in real time of clearance module 20 in real time by DayEndProcess module 40, processes abnormal account in real-time deal.Or transaction can also be carried out mistake reconciliation according to information such as the results of the clearance in real time of the payment result that payment result receiver module 10 receives, in real time clearance module 20 by DayEndProcess module 40, processes abnormal account in real-time deal.
Conventional payment platform, payment system are huge due to clearance amount, funds transfer is caused to arrive business's account longer for time delay, major part Unionpay payment gateway is cleared in real time owing to the impact of business factor is only capable of the trade company solving one's own profession fund, and cannot support that inter-bank pays.According to the embodiment of the present invention, it is possible to realizing the real-time clearance of business's account of one's own profession and inter-bank, namely fund can arrive trade company's account after client confirms payment, so that the capital turnover of trade company is ageing higher, electricity business's platform captivation to trade company is improved.
Correspondingly, the present invention also provides for a kind of electricity quotient system system, and it possesses payment system 1.
Through the above description of the embodiments, those skilled in the art is it can be understood that can realize by the mode of software combined with hardware platform to the present invention.Based on such understanding, what background technology was contributed by technical scheme can embody with the form of software product in whole or in part, this computer software product can be stored in storage medium, such as ROM/RAM, magnetic disc, CD etc., including some instructions with so that a computer equipment (can be personal computer, server, smart mobile phone or the network equipment etc.) perform the method described in some part of each embodiment of the present invention or embodiment.
Terminology used herein of the present invention and wording, just to illustrating, are not intended to constitute restriction.It will be appreciated by those skilled in the art that under the premise of the ultimate principle without departing from disclosed embodiment, each details in above-mentioned embodiment can be carried out various change.Therefore, the scope of the present invention is only determined by claim, and in the claims, except as otherwise noted, all of term should be understood by the broadest rational meaning.
Claims (5)
1. the payment system immediately arriving account, it is characterised in that including:
Payment result receiver module, receives payment result,
Clear module in real time, according to this payment result, beneficiary account is cleared in real time.
2. payment system as claimed in claim 1, it is characterised in that
The described clearance in real time that beneficiary account carried out according to this payment result includes:
Provide loans according to payment result, by provide loans in real time by funds transfer to beneficiary account, thus realizing clearance in real time.
3. payment system as claimed in claim 1 or 2, it is characterised in that
Described payment system is also equipped with rushing positive module, and transaction is just quasi real time being rushed by the described holotype tuber that rushes according to the result of the clearance in real time of described real-time clearance module.
4. payment system as claimed in claim 1 or 2, it is characterised in that
Described payment system is also equipped with DayEndProcess module, and transaction is carried out mistake reconciliation by described DayEndProcess module day eventually, processes abnormal account in real-time deal.
5. an instant electric quotient system to account is united, it is characterised in that including:
Payment system described in any one of Claims 1-4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610051198.5A CN105741094A (en) | 2016-01-26 | 2016-01-26 | Payment system for immediately transferring to account and electronic business system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610051198.5A CN105741094A (en) | 2016-01-26 | 2016-01-26 | Payment system for immediately transferring to account and electronic business system |
Publications (1)
| Publication Number | Publication Date |
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| CN105741094A true CN105741094A (en) | 2016-07-06 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610051198.5A Withdrawn CN105741094A (en) | 2016-01-26 | 2016-01-26 | Payment system for immediately transferring to account and electronic business system |
Country Status (1)
| Country | Link |
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| CN (1) | CN105741094A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110073386A (en) * | 2017-01-06 | 2019-07-30 | 万事达卡国际公司 | For enabling the method and system of the payment of IOT |
| CN110070350A (en) * | 2019-03-25 | 2019-07-30 | 中金支付有限公司 | A kind of payment transaction settlement processing method and system |
| CN112101923A (en) * | 2020-09-17 | 2020-12-18 | 中国建设银行股份有限公司 | Transaction information processing method and device |
| CN113487304A (en) * | 2021-07-08 | 2021-10-08 | 中国工商银行股份有限公司 | Distributed accounting inconsistent processing system and method |
| TWI807183B (en) * | 2020-04-17 | 2023-07-01 | 兆豐國際商業銀行股份有限公司 | Mobile payment device and mobile payment method |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1635504A (en) * | 2003-12-29 | 2005-07-06 | 兴业银行股份有限公司 | Real-time capital transfer system and method |
| CN101676943A (en) * | 2008-09-16 | 2010-03-24 | 阿里巴巴集团控股有限公司 | Loan capital real-time settlement method of physical distribution companies and system thereof |
| CN103337116A (en) * | 2013-07-03 | 2013-10-02 | 交通银行股份有限公司 | Telephone acquiring system and method for realizing real-time account function |
-
2016
- 2016-01-26 CN CN201610051198.5A patent/CN105741094A/en not_active Withdrawn
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1635504A (en) * | 2003-12-29 | 2005-07-06 | 兴业银行股份有限公司 | Real-time capital transfer system and method |
| CN101676943A (en) * | 2008-09-16 | 2010-03-24 | 阿里巴巴集团控股有限公司 | Loan capital real-time settlement method of physical distribution companies and system thereof |
| CN103337116A (en) * | 2013-07-03 | 2013-10-02 | 交通银行股份有限公司 | Telephone acquiring system and method for realizing real-time account function |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110073386A (en) * | 2017-01-06 | 2019-07-30 | 万事达卡国际公司 | For enabling the method and system of the payment of IOT |
| CN110073386B (en) * | 2017-01-06 | 2023-07-04 | 万事达卡国际公司 | Method and system for IOT-enabled payments |
| CN110070350A (en) * | 2019-03-25 | 2019-07-30 | 中金支付有限公司 | A kind of payment transaction settlement processing method and system |
| CN110070350B (en) * | 2019-03-25 | 2021-05-14 | 中金支付有限公司 | Payment service settlement processing method and system |
| TWI807183B (en) * | 2020-04-17 | 2023-07-01 | 兆豐國際商業銀行股份有限公司 | Mobile payment device and mobile payment method |
| CN112101923A (en) * | 2020-09-17 | 2020-12-18 | 中国建设银行股份有限公司 | Transaction information processing method and device |
| CN113487304A (en) * | 2021-07-08 | 2021-10-08 | 中国工商银行股份有限公司 | Distributed accounting inconsistent processing system and method |
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Application publication date: 20160706 |
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| WW01 | Invention patent application withdrawn after publication |