CN107392765A - Based on buyer's fund banking supervision bill business method and its system - Google Patents
Based on buyer's fund banking supervision bill business method and its system Download PDFInfo
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- CN107392765A CN107392765A CN201710614450.3A CN201710614450A CN107392765A CN 107392765 A CN107392765 A CN 107392765A CN 201710614450 A CN201710614450 A CN 201710614450A CN 107392765 A CN107392765 A CN 107392765A
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- G—PHYSICS
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The present invention relates to based on buyer's fund banking supervision bill business method and its system, this method include obtain buyer subscribe information and disburse funds；The fund is carried out freezing to supervise；Obtain seller's endorsement information；According to seller's endorsement validation of information trading situation, and fund stroke is carried out according to trading situation and paid.The present invention is associated by billing system with bank, buyer is after billing system subscribes bill, the fund of payment, which can be transferred to, to be carried out Fund Supervision to bank and freezes, after seller's endorsement, according to the information of endorsement, it is traded the confirmation of situation, paid according to confirming that situation progress fund is drawn, to realize efficient, convenient, safe bill business, strict air control system can cause in process of exchange, the seller can not complete endorsement action in transaction limits, automatically the deblocking of funds of supervision to buyer's settlement accounts.
Description
Technical field
The present invention relates to bill business, more specifically refers to the bill business method in banking supervision based on buyer's fund
And its system.
Background technology
Since Chinese bill market develops more than 20 years, from the rapid development slowly till now of beginning, electronic ticket
Paper ticket is substituted, has greatly enlivened the financial market in China.
Status ever more important of the bill market in financial market, the treating capacity of bill operation is also more and more, and bill is handed over
Easy link also has increasing need for standardizing.Two kinds of method of commerce in bill market at present be present, a kind of is the transaction of paper ticket, transaction
Scene is that buyer finds the seller, and buyer is given in seller scene paper ticket, and buyer has been tested at scene after ticket to be beaten money and completed to the seller on the spot
Transaction, this mode consumes substantial amounts of manpower and materials, while can not evade the false tickets situation being likely to occur；Second of counterparty
Formula is merchandised for current electronic ticket, and in both parties on the premise of credit weight, it is true to the seller, the seller first to beat money by buyer
First endorsed to buyer or the seller in endorsement after recognizing and beat money again to buyer and then buyer, this transaction scene is built upon phase mutual trust
Carry out on the premise of appointing, while there is huge risk factors, under the fast-developing background of Current electronic, greatly make
About this due convenient, fast, Secure Transaction environment of bill business market boom development.
Therefore, it is necessary to design it is a kind of based on buyer's fund banking supervision bill business method, with provide efficiently, just
Prompt, safe bill business mode.
The content of the invention
The defects of it is an object of the invention to overcome prior art, there is provided handed over based on bill of buyer's fund in banking supervision
Easy method and its system.
To achieve the above object, the present invention uses following technical scheme：Bill based on buyer's fund in banking supervision is handed over
Easy method, methods described include：
Buyer is obtained to subscribe information and disburse funds；
The fund is carried out freezing to supervise；
Obtain seller's endorsement information；
According to seller's endorsement validation of information trading situation, and fund stroke is carried out according to trading situation and paid.
Its further technical scheme is：The step of buyer subscribes information and disbursed funds is obtained, including is walked in detail below
Suddenly：
Place an order and confirm counterparty, fund and target；
Payment confirming information；
Send button and draw message；
Judge whether the remaining sum of buyer's settlement accounts is less than transaction funds；
The step of failure message being drawn if so, then sending to detain, and returning to payment confirming information；
If it is not, then into described the step of carrying out freezing supervision to the fund.
Its further technical scheme is：The step of carrying out freezing supervision to the fund, including step in detail below：
The full-amount fund of button to bank is drawn according to message from buyer's settlement accounts to be freezed；
Send to draw and be fastened as work(message.
Its further technical scheme is：According to seller's endorsement validation of information trading situation, and provided according to trading situation
Gold draws the step of paying, including step in detail below：
It is to perform target endorsing a bill according to transaction within the freezing of funds time limit to judge the seller；
If it is not, fund of being thawed after then freezing of funds expires, and fund is drawn into back buyer's settlement accounts, and send message and lead to
Know；
If so, then obtaining the agreement that buyer signs with bank, carrying out fund stroke according to agreement pays.
Its further technical scheme is：If so, then obtaining the agreement that buyer signs with bank, carrying out fund according to agreement draws
The step of paying, including step in detail below：
Sign for endorsing；
Judge buyer whether with bank sign bill business platform tripartite agreement；
If buyer and bank sign bill business platform tripartite agreement, the bill that judges to endorse whether bank bill friendship
In easy database；
If endorsing bill in the ticket transaction data storehouse of bank, judge the fund of corresponding transaction in account inside bank
State whether be normal；
If state of the fund of corresponding transaction in account inside bank is normal, sends buyer's negotiability and sign for ECDS
Message, and drawn from account inside bank and pay transaction funds to seller account；
If state of the fund of corresponding transaction in account inside bank is abnormal, transmission transaction funds, which have been thawed, draws back
The message of buyer's settlement accounts；
If buyer does not sign bill business platform tripartite agreement or endorsement bill not in the bill business number of bank with bank
Signed for according to normal endorsement in storehouse, is then carried out.
Present invention also offers in the bill business system of banking supervision, including subscribed unit based on buyer's fund, freezed
Supervisory Unit, endorsement acquiring unit and fund, which are drawn, pays unit；
It is described to subscribe unit, subscribe information for obtaining buyer and disburse funds；
It is described to freeze Supervisory Unit, for carrying out freezing to supervise to the fund；
The endorsement acquiring unit, for obtaining seller's endorsement information；
The fund, which is drawn, pays a unit, for being endorsed validation of information trading situation according to the seller, and is carried out according to trading situation
Fund, which is drawn, pays.
Its further technical scheme is：The unit of subscribing includes lower single module, payment module, button stroke message transmission mould
Block, remaining sum judging submodule and failure message sending module；
Lower single module, confirm counterparty, fund and target for placing an order；
The payment module, for payment confirming information；
The button draws message sending module, and message is drawn for sending button；
The remaining sum judging submodule, for judging whether the remaining sum of buyer's settlement accounts is less than transaction funds；
The failure message sending module, for drawing failure message if so, then sending to detain, and return to payment confirming information.
Its further technical scheme is：The Supervisory Unit that freezes includes freezing module and success message sending module；
It is described to freeze module, freezed for drawing the full-amount fund of button to bank from buyer's settlement accounts according to message；
The success message sending module, work(message is fastened as sending to draw.
Its further technical scheme is：The fund is drawn pair unit and drawn back including endorsing a bill judge module, defrosting fund
Module and agreement, which are drawn, pays module；
The endorsing a bill judge module, for judging that the seller is to perform mark according to transaction within the freezing of funds time limit
Endorsing a bill；
The defrosting fund draws back module, for if it is not, fund of being thawed after then freezing of funds expires, and fund is drawn back
Buyer's settlement accounts, concurrently send message notifying；
The agreement, which is drawn, pays module, for if so, the agreement that then acquisition buyer signs with bank, fund is carried out according to agreement
Draw and pay.
Its further technical scheme is：The agreement draw pay module including transfer sign for submodule, agreement judging submodule,
Bill judging submodule, condition adjudgement submodule, draw and pay fund submodule, draw the literary sending submodule of return and normally sign for son
Module；
The transfer signs for submodule, for signing for endorsing；
The agreement judging submodule, for judge buyer whether with bank sign bill business platform tripartite agreement；
The bill judging submodule, if signing bill business platform tripartite agreement for buyer and bank, judge the back of the body
Whether book bill is in the ticket transaction data storehouse of bank；
The condition adjudgement submodule, if for endorsing bill in the ticket transaction data storehouse of bank, judge corresponding
Whether state of the fund of transaction in account inside bank is normal；
Described stroke is paid fund submodule, if the state for the corresponding fund merchandised in account inside bank is normal,
Send buyer's negotiability and sign for ECDS messages, and drawn from account inside bank and pay transaction funds to seller account；
The described stroke of literary sending submodule of return, if for state of the corresponding fund merchandised in account inside bank for not just
Often, then transaction funds are sent to have thawed and draw back the message of buyer's settlement accounts；
It is described normally to sign for submodule, if not signing bill business platform tripartite agreement or endorsement ticket with bank for buyer
Signed for according to normal endorsement in the ticket transaction data storehouse of bank, is not then carried out.
Compared with the prior art, the invention has the advantages that：The present invention based on buyer's fund banking supervision bill
Method of commerce, associated by billing system with bank, after billing system subscribes bill, the fund of payment can be transferred to silver buyer
Row carries out Fund Supervision and freezed, and after seller's endorsement, according to the information of endorsement, is traded the confirmation of situation, foundation confirms feelings
Condition carries out fund stroke and paid, and to realize efficient, convenient, safe bill business, strict air control system can handing over
During easily, the seller can not complete endorsement in transaction limits and act, automatically the deblocking of funds of supervision to buyer's settlement accounts.
The invention will be further described with specific embodiment below in conjunction with the accompanying drawings.
Brief description of the drawings
Fig. 1 be the specific embodiment of the invention provide based on buyer's fund the bill business method of banking supervision flow
Figure；
Fig. 2 is the flow chart that the acquisition buyer that the specific embodiment of the invention provides subscribes information and disbursed funds；
Fig. 3 is the flow chart for the fund freeze supervision that the specific embodiment of the invention provides；
Fig. 4 is specific embodiment of the invention offer according to seller's endorsement validation of information trading situation and according to trading situation
Carry out fund draws the flow chart paid；
Fig. 5 is the agreement for obtaining buyer and being signed with bank that the specific embodiment of the invention provides and carries out fund according to agreement
Draw the flow chart paid；
Fig. 6 be the specific embodiment of the invention provide based on buyer's fund the bill business system of banking supervision structure
Block diagram；
Fig. 7 is the structured flowchart for subscribing unit that the specific embodiment of the invention provides；
Fig. 8 is the structured flowchart for freezing Supervisory Unit that the specific embodiment of the invention provides；
Fig. 9 is that the fund that the specific embodiment of the invention provides draws the structured flowchart for paying unit；
Figure 10 is that the agreement that the specific embodiment of the invention provides draws the structured flowchart for paying module.
Embodiment
In order to more fully understand the technology contents of the present invention, technical scheme is entered with reference to specific embodiment
One step introduction and explanation, but it is not limited to this.
Specific embodiment as shown in Fig. 1~10, the present embodiment provide based on buyer's fund banking supervision bill
It method of commerce, can be used in during the bill business of both parties, be handed over providing efficient, convenient, safe bill
Easy mode.
As shown in figure 1, present embodiments provide the bill business method based on buyer's fund in banking supervision, this method bag
Include：
S1, acquisition buyer subscribe information and disbursed funds；
S2, the fund is carried out freezing to supervise；
S3, obtain seller's endorsement information；
S4, validation of information trading situation of being endorsed according to the seller, and fund stroke is carried out according to trading situation and paid.
Further, above-mentioned S1 steps, the step of buyer subscribes information and disbursed funds, including following tool are obtained
Body step：
S11, placing an order confirms counterparty, fund and target；
S12, payment confirming information；
S13, send button stroke message；
S14, judge whether the remaining sum of buyer's settlement accounts is less than transaction funds；
S15, if so, then sending button draws a failure message, and the step of return to S12；If it is not, then enter the S2 steps.
Above-mentioned S11 steps, are specifically placed an order on billing system by buyer and subscribe bill, confirmed during subscribing
Counterparty, fund and target.
Above-mentioned S12 steps, are specifically to determine and disburse funds, and paid.
Above-mentioned S13 steps, button is specifically sent to bank by bank-corporate express from billing system and draws message, above-mentioned button
Drawing message includes：All electronic bill ticket informations, including but not limited to note number, bill type, bill type, nominal value gold
Volume, date of draft, due date, check drawer's information, receiver information, accepter's information and transfer mark etc.；Less than nominal value
The dealing money of the amount of money；Freezing of funds duration, this duration minimum value are 30min, and the fund that buyer can customize more than 30min is frozen
The time is tied, in order to reserve the system clearance time and avert risks, thawing time must not be later than the every workday to fund the latest
16:00, during freezing of funds, buyer must not withdraw money；Buyer's collecting account information, including but not limited to name in an account book.Open an account
Row and account.
Above-mentioned S14 and S15 steps, specifically it is to ensure that button is divided into work(, it is straight by bank by bank when button draws failure
Join to send to billing system and draw button failure message, informing buyer account with this, Sorry, your ticket has not enough value to pay the amount of money of now bill.
Further, above-mentioned S2 steps, the step of carrying out freezing supervision to the fund, including walk in detail below
Suddenly：
S21, according to message, stroke full-amount fund of button a to bank is freezed from buyer's settlement accounts；
S22, transmission, which are drawn, is fastened as work(message.
Above-mentioned S21 steps, after specifically being confirmed by the operating administration of bank, then fund is transferred to the inside of bank
Account is freezed, in this, as supervision, so as to the security of backed bill transaction.
Above-mentioned S22 steps, specifically bank send button to billing system by bank-corporate express and are divided into work(message, above-mentioned
Success message includes ticket contents, stroke button amount of money, fund and draws button time, freezing of funds duration and a fund and draw a pair code.Correlation
Ticket contents are deposited into bank's platform ticket transaction data storehouse, and above-mentioned fund draws a pair code and passes through billing system suitable for the seller
Main interface is exempted to log in acknowledgment of your inquiry stroke pair authenticity and a relevant information.
Both parties are in reality is merchandised, and both parties are after conclude the transaction purpose and transaction duration, by buyer in bill
Payment instruction is actively initiated in system, Transaction Information pushes to bank's built-in system by billing system, and fund is locked by buyer account
It is scheduled in the supervision account of bank, and triggers information and pull back in this billing system, selling can checks and confirm that buyer provides immediately
Gold has been locked in inter-account.
Above-mentioned S3 steps, specifically billing system notify the seller to perform endorsing a bill operation.The seller carries out endorsing a bill
Action, buyer receives seller's endorsement prompting in billing system after endorsement, and carries out bill and sign for, so as to improve bill business effect
Rate.
Further, above-mentioned S4 steps, according to seller's endorsement validation of information trading situation, and entered according to trading situation
Row fund draws the step of paying, including step in detail below：
S41, judge that the seller is to perform target endorsing a bill according to transaction within the freezing of funds time limit；
S42, if it is not, fund of being thawed after then freezing of funds expires, and fund is drawn into back buyer's settlement accounts, concurrently delivered newspaper
Text notice；
S43, if so, then obtain the agreement that buyer and bank sign, carry out fund according to agreement and draw to pay.
Above-mentioned S41 steps, it specifically can just carry out drawing for fund after the seller carries out endorsing a bill and pay, be ensured with this
The security of bill business.
Above-mentioned S42 steps, endorsing a bill is not specifically carried out in the seller, and reach freezing of funds and expire, then by fund
Thaw, drawn back from bank's inter-account in buyer's settlement accounts.
Further, above-mentioned S43 steps, if so, then obtaining the agreement that buyer signs with bank, carried out according to agreement
Fund draws the step of paying, including step in detail below：
S431, sign for endorsing；
S432, judge buyer whether with bank sign bill business platform tripartite agreement；
If S433, buyer and bank sign bill business platform tripartite agreement, whether the bill that judges to endorse is in bank
In ticket transaction data storehouse；
If S434, endorsement bill in the ticket transaction data storehouse of bank, judge the fund of corresponding transaction in bank
Whether the state in portion's account is normal；
If the state of S435, the fund of corresponding transaction in bank's inter-account is normal, buyer's negotiability is sent
ECDS messages are signed for, and is drawn from bank's inter-account and pays transaction funds to seller account；
If the state of S436, the fund of corresponding transaction in bank's inter-account is abnormal, transaction funds have been sent
Thaw and draw back the message of buyer's settlement accounts；
If S437, buyer do not sign bill business platform tripartite agreement with bank or bill of endorsing is not handed in the bill of bank
In easy database, then carry out normal endorsement and sign for.
Above-mentioned S431 steps, specifically by Net silver and/or bank-corporate express of the buyer in bank and/or group's cash management
Middle initiation negotiability is signed for, and completes to sign for the transfer endorsed with this, the convenience and high efficiency of bill business are improved with this.
Above-mentioned S432 steps, particular by judge buyer whether with bank sign bill business platform tripartite agreement,
Distinguished with this and sign for flow selected by buyer.
Above-mentioned S433 steps, endorsement in security bill is specifically wanted to be carried out in the ticket transaction data storehouse of bank
Drawing for fund is paid, and the security of bill business whole process is ensured with this.
Above-mentioned S434 steps, specifically judge whether to forbid in recycling to buyer's settlement accounts, this step tool
Body is that have the confirmation of bank operations management department.
Above-mentioned S435 steps, specifically, in billing system and Central Bank's ECDS system interlinks, once buyer has carried out the ticket
According to sign for, i.e., the fund that can trigger internal supervision account is drawn to pay to seller account, and with billing system and realizes message interaction, extremely
This merchandises successfully, and is specifically to send buyer's negotiability to billing system from bank to sign for ECDS messages, and bank is from inside
Drawn in account and pay transaction funds into seller account, billing system prompting seller transaction fund will be in Object of Transaction bill quilt
Buyer sign for after 10min in arrive account.
When above-mentioned S436 steps, specifically billing system can not be forbidden in recycling to buyer's settlement accounts, then by
Bank sends transaction funds by bank-corporate express and has thawed the message for drawing back buyer's settlement accounts to billing system, is informed and bought with this
Side, above-mentioned message include note number, stroke button amount of money, fund and draw button time, freezing of funds duration and a fund and draw a pair code, on
The fund stated draws pair code and exempts to log in acknowledgment of your inquiry stroke pair authenticity and related letter by billing system main interface suitable for the seller
Breath.
Above-mentioned S437 steps, specifically buyer do not sign bill business platform tripartite agreement or endorsement bill not with bank
In the ticket transaction data storehouse of bank, it is transferred to normal endorsement and signs for flow, the success of bill business is improved with this
Rate.
By the way that billing system together with the fund account system relationship of bank, to be realized to both parties merchandise in reality jointly
The middle double hairs of dealing actively initiate payment instruction, transaction letter after conclude the transaction purpose and transaction duration, by buyer in the system
Breath pushes to bank's built-in system by the system, and fund is locked in the supervision account of bank by buyer account, and triggers information
Pull back in this billing system, selling can check and confirm that buyer's fund has been locked in inter-account immediately, and selling to enter
Row endorsing a bill acts, and buyer receives seller's endorsement prompting in this billing system after endorsement, and carries out bill and sign for, bill system
System and Central Bank's ECDS system interlinks, once buyer has carried out signing for for the bill, i.e., the fund that can trigger internal supervision account is drawn
Pay to seller account, and with this billing system and realize message interaction, so far merchandise successfully.
It is above-mentioned based on buyer's fund in the bill business method of banking supervision, associated, bought with bank by billing system
After billing system subscribes bill, the fund of payment, which can be transferred to, to be carried out Fund Supervision to bank and freezes for side, after seller's endorsement, root
According to the information of endorsement, the confirmation of situation is traded, is paid according to confirming that situation progress fund is drawn, it is efficient, convenient, safe to realize
Property high bill business, strict air control system can make it that in process of exchange the seller can not complete the back of the body in transaction limits
Book acts, automatically the deblocking of funds of supervision to buyer's settlement accounts.
As shown in fig. 6, the present embodiment additionally provides the bill business system in banking supervision based on buyer's fund, it includes
Subscribe unit 1, freeze Supervisory Unit 2, endorsement acquiring unit 3 and a fund stroke pair unit 4.
Unit 1 is subscribed, information is subscribed for obtaining buyer and disburses funds.
Freeze Supervisory Unit 2, for carrying out freezing to supervise to the fund.
Endorsement acquiring unit 3, for obtaining seller's endorsement information.
Fund draw pay a unit 4, for according to the seller endorse validation of information trading situation, and according to trading situation carry out fund
Draw and pay.
Further, above-mentioned unit 1 of subscribing includes lower single module 11, payment module 12, button stroke message sending module
13rd, remaining sum judging submodule 14 and failure message sending module 15.
Lower single module 11, confirm counterparty, fund and target for placing an order.
Payment module 12, for payment confirming information.
Button draws message sending module 13, and message is drawn for sending button.
Remaining sum judging submodule 14, for judging whether the remaining sum of buyer's settlement accounts is less than transaction funds.
Failure message sending module 15, for drawing failure message if so, then sending to detain, and return to payment confirming information.
Above-mentioned lower single module 11 is specifically to be placed an order to subscribe bill on billing system by buyer, during subscribing really
Recognize counterparty, fund and target.
Specific be to determine of above-mentioned payment module 12 disburses funds, and is paid.
It is specifically to send button to bank by bank-corporate express from billing system to draw report that above-mentioned button, which draws message sending module 13,
Text, above-mentioned button, which draws message, to be included：All electronic bill ticket informations, including but not limited to note number, bill type, bill
Type, denomination, date of draft, due date, check drawer's information, receiver information, accepter's information and transfer mark
Deng；Less than the dealing money of denomination；Freezing of funds duration, this duration minimum value are 30min, and buyer, which can customize, to be more than
The 30min freezing of funds time, in order to reserve the system clearance time and avert risks, thawing time must not be later than fund the latest
The 16 of every workday:00, during freezing of funds, buyer must not withdraw money；Buyer's collecting account information, including it is but unlimited
In name in an account book.Bank of deposit and account.
Above-mentioned remaining sum judging submodule 14 and failure message sending module 15, specifically it is to ensure that button is divided into work(, works as button
When drawing failure, sent from bank by bank-corporate express to billing system and draw button failure message, buyer account remaining sum is informed not with this
It is enough to pay the amount of money of now bill.
Further, the above-mentioned Supervisory Unit 2 that freezes includes freezing module 21 and success message sending module 22.
Freeze module 21, freezed for drawing the full-amount fund of button to bank from buyer's settlement accounts according to message.
Success message sending module 22, work(message is fastened as sending to draw.
Above-mentioned module 21 of freezing is specifically after being confirmed by the operating administration of bank, then fund is transferred in bank
Portion's account is freezed, in this, as supervision, so as to the security of backed bill transaction.
Above-mentioned success message sending module 22 is specifically that bank is divided into work(report by bank-corporate express to billing system transmission button
Text, above-mentioned successful message include ticket contents, stroke button amount of money, fund stroke button time, freezing of funds duration and a fund stroke pair
Code.Related ticket contents are deposited into bank's platform ticket transaction data storehouse, an above-mentioned fund stroke pair code leads to suitable for the seller
Billing system main interface is crossed to exempt to log in acknowledgment of your inquiry stroke pair authenticity and a relevant information.
Both parties are in reality is merchandised, and both parties are after conclude the transaction purpose and transaction duration, by buyer in bill
Payment instruction is actively initiated in system, Transaction Information pushes to bank's built-in system by billing system, and fund is locked by buyer account
It is scheduled in the supervision account of bank, and triggers information and pull back in this billing system, selling can checks and confirm that buyer provides immediately
Gold has been locked in inter-account.
Further, above-mentioned endorsement acquiring unit 3 is specifically that billing system notifies the seller to perform endorsing a bill operation.
The seller carries out endorsing a bill action, and buyer receives seller's endorsement prompting in billing system after endorsement, and carries out bill and sign for, from
And improve bill business efficiency.
Further, above-mentioned fund draws pair unit 4 and draws back module including endorsing a bill judge module 41, defrosting fund
42 and agreement draw pay a module 43.
Endorsing a bill judge module 41, for judging that the seller is to perform target according to transaction within the freezing of funds time limit
Endorsing a bill.
Defrosting fund draws back module 42, for if it is not, fund of being thawed after then freezing of funds expires, and fund is drawn back and bought
Square settlement accounts, concurrently send message notifying.
Agreement, which is drawn, pays module 43, for if so, then obtaining the agreement of buyer and bank's signing, carrying out fund according to agreement to draw
Pay.
Above-mentioned endorsing a bill judge module 41 is specifically that can just carry out drawing for fund after the seller carries out endorsing a bill
Pay, the security of bill business is ensured with this.
It is specifically not carry out endorsing a bill in the seller that above-mentioned defrosting fund, which draws back module 42, and reaches freezing of funds and arrive
Phase, then by deblocking of funds, drawn back from bank's inter-account in buyer's settlement accounts.
In addition, above-mentioned agreement draws a pair module 43 signs for submodule 431, agreement judging submodule 432, bill including transfer
Judging submodule 433, condition adjudgement submodule 434, draw and pay a fund submodule 435, draw the literary sending submodule 436 of return and just
Often sign for submodule 437.
Transfer signs for submodule 431, for signing for endorsing.
Agreement judging submodule 432, for judge buyer whether with bank sign bill business platform tripartite agreement.
Bill judging submodule 433, if signing bill business platform tripartite agreement for buyer and bank, judge endorsement
Whether bill is in the ticket transaction data storehouse of bank.
Condition adjudgement submodule 434, if for endorsing bill in the ticket transaction data storehouse of bank, judge corresponding hand over
Whether state of the easy fund in bank's inter-account is normal.
Draw and pay fund submodule 435, if the state for the corresponding fund merchandised in bank's inter-account is normal,
Send buyer's negotiability and sign for ECDS messages, and drawn from bank's inter-account and pay transaction funds to seller account.
The literary sending submodule 436 of return is drawn, if for state of the corresponding fund merchandised in bank's inter-account for not
Normally, then transaction funds are sent to have thawed and draw back the message of buyer's settlement accounts.
Submodule 437 normally is signed for, if not signing bill business platform tripartite agreement or endorsement ticket with bank for buyer
Signed for according to normal endorsement in the ticket transaction data storehouse of bank, is not then carried out.
It is specifically in the Net silver and/or bank-corporate express of bank and/or group by buyer that above-mentioned transfer, which signs for submodule 431,
Initiate negotiability in cash management to sign for, complete to sign for the transfer of endorsement with this, with this improve bill business convenience and
High efficiency.
Above-mentioned agreement judging submodule 432 is particular by judging whether buyer with bank signs bill business platform three
Fang Xieyi, distinguished with this and sign for flow selected by buyer.
Above-mentioned bill judging submodule 433 is specifically to want endorsement in security bill in the ticket transaction data storehouse of bank,
Drawing for fund can be carried out to pay, the security of bill business whole process is ensured with this.
Above-mentioned condition adjudgement submodule 434 is specifically to judge whether to forbid in recycling to buyer's settlement accounts,
This step is specifically to have the confirmation of bank operations management department.
For it is above-mentioned draw pay fund submodule 435 for, specifically, in billing system and Central Bank's ECDS system interlinks,
Once buyer has carried out signing for for the bill, i.e., the fund stroke that can trigger internal supervision account is paid to seller account, and and bill
System realizes message interaction, so far merchandises successfully, and is specifically to send buyer's negotiability to billing system from bank to sign for
ECDS messages, and bank draws from inter-account and pays transaction funds into seller account, billing system prompting seller transaction
Fund arrives account by interior in the 10min after Object of Transaction bill is signed for by buyer.
For literary sending submodule 436 is returned in above-mentioned drawing, specifically billing system can not forbid recycling extremely
When in buyer's settlement accounts, then thawed by bank by bank-corporate express transmission transaction funds and drawn back the message of buyer's settlement accounts
To billing system, buyer is informed with this, above-mentioned message includes note number, draws the button amount of money, fund stroke button time, freezing of funds
Duration and fund, which are drawn, pays code, and above-mentioned fund draws a pair code and exempts to log in acknowledgment of your inquiry by billing system main interface suitable for the seller
Draw and pay authenticity and relevant information.
For it is above-mentioned it is normal sign for submodule 437 for, specifically buyer does not sign bill business platform three with bank
Fang Xieyi or endorsement bill are transferred to normal endorsement and sign for flow, with this not in the ticket transaction data storehouse of bank
Improve the success rate of bill business.
By the way that billing system together with the fund account system relationship of bank, to be realized to both parties merchandise in reality jointly
The middle double hairs of dealing actively initiate payment instruction, transaction letter after conclude the transaction purpose and transaction duration, by buyer in the system
Breath pushes to bank's built-in system by the system, and fund is locked in the supervision account of bank by buyer account, and triggers information
Pull back in this billing system, selling can check and confirm that buyer's fund has been locked in inter-account immediately, and selling to enter
Row endorsing a bill acts, and buyer receives seller's endorsement prompting in this billing system after endorsement, and carries out bill and sign for, bill system
System and Central Bank's ECDS system interlinks, once buyer has carried out signing for for the bill, i.e., the fund that can trigger internal supervision account is drawn
Pay to seller account, and with this billing system and realize message interaction, so far merchandise successfully.
It is above-mentioned based on buyer's fund in the bill business system of banking supervision, associated, bought with bank by billing system
After billing system subscribes bill, the fund of payment, which can be transferred to, to be carried out Fund Supervision to bank and freezes for side, after seller's endorsement, root
According to the information of endorsement, the confirmation of situation is traded, is paid according to confirming that situation progress fund is drawn, it is efficient, convenient, safe to realize
Property high bill business, strict air control system can make it that in process of exchange the seller can not complete the back of the body in transaction limits
Book acts, automatically the deblocking of funds of supervision to buyer's settlement accounts.
The above-mentioned technology contents that the present invention is only further illustrated with embodiment, in order to which reader is easier to understand, but not
Represent embodiments of the present invention and be only limitted to this, any technology done according to the present invention extends or recreation, by the present invention's
Protection.Protection scope of the present invention is defined by claims.
Claims (10)
1. based on buyer's fund banking supervision bill business method, it is characterised in that methods described includes：
Buyer is obtained to subscribe information and disburse funds；
The fund is carried out freezing to supervise；
Obtain seller's endorsement information；
According to seller's endorsement validation of information trading situation, and fund stroke is carried out according to trading situation and paid.
2. it is according to claim 1 based on buyer's fund banking supervision bill business method, it is characterised in that obtain
The step of buyer subscribes information and disbursed funds, including step in detail below：
Place an order and confirm counterparty, fund and target；
Payment confirming information；
Send button and draw message；
Judge whether the remaining sum of buyer's settlement accounts is less than transaction funds；
The step of failure message being drawn if so, then sending to detain, and returning to payment confirming information；
If it is not, then into described the step of carrying out freezing supervision to the fund.
3. it is according to claim 1 based on buyer's fund banking supervision bill business method, it is characterised in that to institute
The step of fund of stating carries out freezing supervision, including step in detail below：
The full-amount fund of button to bank is drawn according to message from buyer's settlement accounts to be freezed；
Send to draw and be fastened as work(message.
4. according to any one of claims 1 to 3 based on buyer's fund in the bill business method of banking supervision, its feature
It is, according to seller's endorsement validation of information trading situation, and fund is carried out according to trading situation and draws the step of paying, including following tool
Body step：
It is to perform target endorsing a bill according to transaction within the freezing of funds time limit to judge the seller；
If it is not, fund of being thawed after then freezing of funds expires, and fund is drawn into back buyer's settlement accounts, concurrently send message notifying；
If so, then obtaining the agreement that buyer signs with bank, carrying out fund stroke according to agreement pays.
5. it is according to claim 4 based on buyer's fund banking supervision bill business method, it is characterised in that if
It is then to obtain the agreement that buyer signs with bank, carrying out fund according to agreement draws the step of paying, including step in detail below：
Sign for endorsing；
Judge buyer whether with bank sign bill business platform tripartite agreement；
If buyer and bank sign bill business platform tripartite agreement, judge endorsement bill whether bank bill business number
According in storehouse；
If endorsing bill in the ticket transaction data storehouse of bank, shape of the fund of corresponding transaction in account inside bank is judged
Whether state is normal；
If state of the fund of corresponding transaction in account inside bank is normal, sends buyer's negotiability and sign for ECDS reports
Text, and drawn from account inside bank and pay transaction funds to seller account；
If state of the fund of corresponding transaction in account inside bank is abnormal, transmission transaction funds, which have been thawed, draws back buyer
The message of settlement accounts；
If buyer does not sign bill business platform tripartite agreement or endorsement bill not in the ticket transaction data storehouse of bank with bank
In, then carry out normal endorsement and sign for.
6. based on buyer's fund banking supervision bill business system, it is characterised in that including subscribing unit, to freeze supervision single
Member, endorsement acquiring unit and fund, which are drawn, pays unit；
It is described to subscribe unit, subscribe information for obtaining buyer and disburse funds；
It is described to freeze Supervisory Unit, for carrying out freezing to supervise to the fund；
The endorsement acquiring unit, for obtaining seller's endorsement information；
The fund draw pay a unit, for according to the seller endorse validation of information trading situation, and according to trading situation carry out fund
Draw and pay.
7. it is according to claim 6 based on buyer's fund banking supervision bill business system, it is characterised in that it is described
Subscribing unit includes lower single module, payment module, button stroke message sending module, remaining sum judging submodule and failure message transmission
Module；
Lower single module, confirm counterparty, fund and target for placing an order；
The payment module, for payment confirming information；
The button draws message sending module, and message is drawn for sending button；
The remaining sum judging submodule, for judging whether the remaining sum of buyer's settlement accounts is less than transaction funds；
The failure message sending module, for drawing failure message if so, then sending to detain, and return to payment confirming information.
8. it is according to claim 7 based on buyer's fund banking supervision bill business system, it is characterised in that it is described
Freezing Supervisory Unit includes freezing module and success message sending module；
It is described to freeze module, freezed for drawing the full-amount fund of button to bank from buyer's settlement accounts according to message；
The success message sending module, work(message is fastened as sending to draw.
9. it is according to claim 8 based on buyer's fund banking supervision bill business system, it is characterised in that it is described
Fund draws pair unit and draws back module and an agreement stroke pair module including endorsing a bill judge module, defrosting fund；
The endorsing a bill judge module, for judging that the seller is to perform target ticket according to transaction within the freezing of funds time limit
According to endorsement；
The defrosting fund draws back module, for if it is not, fund of being thawed after then freezing of funds expires, and fund is drawn back into buyer
Settlement accounts, concurrently send message notifying；
The agreement, which is drawn, pays module, for if so, then obtaining the agreement of buyer and bank's signing, carrying out fund according to agreement to draw
Pay.
10. it is according to claim 9 based on buyer's fund banking supervision bill business system, it is characterised in that institute
State an agreement stroke pair module and sign for submodule, agreement judging submodule, bill judging submodule, condition adjudgement submodule including transfer
Block, draw and pay fund submodule, draw the literary sending submodule of return and normally sign for submodule；
The transfer signs for submodule, for signing for endorsing；
The agreement judging submodule, for judge buyer whether with bank sign bill business platform tripartite agreement；
The bill judging submodule, if signing bill business platform tripartite agreement for buyer and bank, judge endorsement ticket
According to whether in the ticket transaction data storehouse of bank；
The condition adjudgement submodule, if for endorsing bill in the ticket transaction data storehouse of bank, judge corresponding transaction
State of the fund in account inside bank whether be normal；
Described stroke is paid fund submodule, if the state for the corresponding fund merchandised in account inside bank is normal, is sent
ECDS messages are signed in buyer's negotiability, and are drawn from account inside bank and paid transaction funds to seller account；
The described stroke of literary sending submodule of return, if the state for the corresponding fund merchandised in account inside bank is abnormal,
Then transmission transaction funds, which have been thawed, draws back the message of buyer's settlement accounts；
It is described normally to sign for submodule, if bill business platform tripartite agreement or endorsement bill are not signed with bank not for buyer
In the ticket transaction data storehouse of bank, then carry out normal endorsement and sign for.
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| CN201710614450.3A CN107392765A (en) | 2017-07-25 | 2017-07-25 | Based on buyer's fund banking supervision bill business method and its system |
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| CN201710614450.3A CN107392765A (en) | 2017-07-25 | 2017-07-25 | Based on buyer's fund banking supervision bill business method and its system |
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| CN108537622A (en) * | 2018-03-07 | 2018-09-14 | 优品汽车服务（上海）有限公司 | A kind of transport of automobile logistics is provided loans guarantee transaction running and the method for dispatching a car |
| CN109003179A (en) * | 2018-07-11 | 2018-12-14 | 北京磁云唐泉金服科技有限公司 | Inter-bank tune money based on digital cash synchronous settlement method, device and system |
| CN109191222A (en) * | 2018-06-21 | 2019-01-11 | 江苏银承网络科技股份有限公司 | A kind of process of exchange credit evaluation algorithm |
| CN109191278A (en) * | 2018-07-24 | 2019-01-11 | 中盈链（北京）科技有限公司 | A kind of Internet bank method of commerce and device |
| CN109242688A (en) * | 2018-09-11 | 2019-01-18 | 上海豆伴互联网金融信息服务有限公司 | Electronics acceptance bill transaction platform, system, method and medium |
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| CN110322345B (en) * | 2018-03-31 | 2024-04-23 | 华为技术有限公司 | Block chain endorsement method and device |
| CN110322345A (en) * | 2018-03-31 | 2019-10-11 | 华为技术有限公司 | A kind of block chain endorsement method and device |
| CN109191222A (en) * | 2018-06-21 | 2019-01-11 | 江苏银承网络科技股份有限公司 | A kind of process of exchange credit evaluation algorithm |
| CN109658242A (en) * | 2018-06-21 | 2019-04-19 | 江苏银承网络科技股份有限公司 | A kind of bill e-transaction system |
| CN109784923A (en) * | 2018-06-21 | 2019-05-21 | 江苏银承网络科技股份有限公司 | A kind of bill electronic transaction mobile terminal interface |
| CN109003179A (en) * | 2018-07-11 | 2018-12-14 | 北京磁云唐泉金服科技有限公司 | Inter-bank tune money based on digital cash synchronous settlement method, device and system |
| CN109191278A (en) * | 2018-07-24 | 2019-01-11 | 中盈链（北京）科技有限公司 | A kind of Internet bank method of commerce and device |
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| CN111353832A (en) * | 2018-12-21 | 2020-06-30 | 上海萌翼网络科技有限公司 | Bill online transaction early warning prevention and control system and method |
| CN109872042A (en) * | 2019-01-17 | 2019-06-11 | 平安城市建设科技(深圳)有限公司 | House prosperity transaction monitoring and managing method, device, equipment and storage medium based on block chain |
| CN112163954B (en) * | 2020-10-28 | 2022-04-08 | 腾讯科技（深圳）有限公司 | Transaction method and device based on block chain |
| CN112163954A (en) * | 2020-10-28 | 2021-01-01 | 腾讯科技（深圳）有限公司 | Transaction method and device based on block chain |
| CN112967047A (en) * | 2021-03-02 | 2021-06-15 | 北京百度网讯科技有限公司 | Settlement method, apparatus, device, storage medium and program product |
| CN112967047B (en) * | 2021-03-02 | 2023-09-05 | 北京百度网讯科技有限公司 | Settlement method, device, apparatus, storage medium, and program product |
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| CN113793219A (en) * | 2021-11-17 | 2021-12-14 | 北京开科唯识技术股份有限公司 | Data processing method and system of financial asset transfer engine |
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