CN107437170A - A kind of management of differential account system based on third-party monitoring - Google Patents
A kind of management of differential account system based on third-party monitoring Download PDFInfo
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- CN107437170A CN107437170A CN201710562742.7A CN201710562742A CN107437170A CN 107437170 A CN107437170 A CN 107437170A CN 201710562742 A CN201710562742 A CN 201710562742A CN 107437170 A CN107437170 A CN 107437170A
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention proposes the management of differential account system based on third-party monitoring, is related to network payment technical field, as the tie of multiple third-party platform unified supervisions, for supervising institute there is any discrepancy gold of the same user in multiple third-party platforms, including：API module, polymerization payment module, trade processing module, virtual account management module and clearance module, the API module is connected with third-party platform several described, the polymerization payment module is connected with channel of disbursement, the polymerization payment module is connected with the trade processing module, the trade processing module is connected with the virtual account management module, and the clearance module is connected with bank.The multiple third-party platforms of unified supervision of the present invention, account that user is registered in multiple third-party platforms is unified by the system management, and without repeating certification, user supplements with money or the landing bank embodied can unrestricted choice, certain bank is not limited to, fills up the small-sized trade company point account gaps in market of platform.
Description
Technical field
The present invention relates to network payment technical field, especially a kind of management of differential account system based on third-party monitoring.
Background technology
Traditional paying in cash frequently encounters the situation of small change, influences cash register speed, it is often necessary to which customer, which is lined up, to be paid, drop
The payment experience of low customer consumption.By POS cCredit card payment, businessman needs to pay higher rate, improves businessman's
Operation cost.Under this background, mobile payment is rapidly developed, the barcode scanning of in the market main flow pay have wechat, Alipay,
QQ wallets, Jingdone district payment etc., support cell phone application gathering, the gathering of PC ends and fixed Quick Response Code to collect money, not only conform with current consumer
Use habit, additionally it is possible to reduce service charge expenditure cost.However, it is desirable to businessman discusses with each channel of disbursement business and bank one by one
Valency, and the fusion between multiple payment systems is more complicated.And a variety of third-party platforms are presently, there are, same user is more
Individual third-party platform registers with account, and the management of multiple third-party platform register account number funds is, it is necessary to individually manage, repetition
Certification, inconvenience is brought to user.
The content of the invention
The present invention provides a kind of management of differential account system based on third-party monitoring, to the unified pipe of multiple accounts of same user
Reason.
The present invention specifically adopts the following technical scheme that realization：
A kind of management of differential account system based on third-party monitoring, as the tie of multiple third-party platform unified supervisions, use
In supervising the institute of same user in multiple third-party platforms there is any discrepancy gold, including：API module, polymerization payment module, trading processing
Module, virtual account management module and clearance module, the API module are connected with third-party platform several described, described poly-
Close payment module to be connected with channel of disbursement, the polymerization payment module is connected with the trade processing module, the trading processing
Module is connected with the virtual account management module, and the clearance module is connected with bank.
Preferably, the API module is directly docked by standard api interface with multiple third-party platforms, obtain
The real-name authentication information of customer platform account and trade company's platform account on multiple third-party platforms.
Preferably, the real-name authentication information includes Real Name and identification card number.
Preferably, the channel of disbursement includes but is not limited to：Mobile phone or tablet personal computer are paid, web browser is paid and
POS is paid.
Preferably, mobile phone or tablet personal computer pay and included but is not limited to：Wechat is paid, Alipay is paid, Baidu's wallet
Pay, apple is paid.
Preferably, web browser payment is personal Net silver or enterprise's e-Bank payment,
Paid preferably, the POS is paid under a Support Line, mobile phone or the tablet personal computer payment is under Support Line
Pay and paid again on Support Line, the web browser pays and paid on a Support Line.
Preferably, the virtual account management module is respectively customer platform account and the trade company of the third-party platform
Platform account distributes virtual account, sets up client virtual account and trade company's virtual account, and the client virtual account and trade company are empty
It is only corresponding with the real-name authentication information to intend account, and a real-name authentication information only opens up a client virtual account or business
Family virtual account, and set up platform for the third-party platform and assure virtual account.
A kind of management of differential account system based on third-party monitoring provided by the invention, its advantage are：By the system
The multiple third-party platforms of unified supervision, user is unified by the system management in the account that multiple third-party platforms are registered, without weight
Multiple certification, user supplement with money or the landing bank embodied can unrestricted choice, be not limited to certain bank, fill up the small-sized trade company of platform and divide
Account gaps in market.
Brief description of the drawings
Fig. 1 is the Organization Chart of management of differential account system of the present invention；
Fig. 2 is the business process map of management of differential account system of the present invention.
Embodiment
To further illustrate each embodiment, the present invention is provided with accompanying drawing.These accompanying drawings are the invention discloses the one of content
Point, it can coordinate the associated description of specification to explain the operation principles of embodiment mainly to illustrate embodiment.Coordinate ginseng
These contents are examined, those of ordinary skill in the art will be understood that other possible embodiments and advantages of the present invention.In figure
Component be not necessarily to scale, and similar element numbers are conventionally used to indicate similar component.
In conjunction with the drawings and specific embodiments, the present invention is further described.
As shown in figure 1, a kind of management of differential account system based on third-party monitoring that this implementation provides, as multiple third parties
The tie of platform unified supervision, for supervise same user multiple third-party platforms institute there is any discrepancy gold, it includes：API moulds
Block, polymerization payment module, trade processing module, virtual account management module and clearance module, the API module and several
The third-party platform connection, the polymerization payment module are connected with channel of disbursement, the polymerization payment module and the transaction
Processing module is connected, and the trade processing module is connected with the virtual account management module, and the clearance module connects with bank
Connect.
Real name registered client's platform account and trade company's platform account, API moulds are distinguished on third-party platform by client and trade company
Block is directly docked by standard api interface with third-party platform, obtains the accounts information of client and trade company, and accounts information refers to user
The Real Name and identification card number filled in when customized user name and real-name authentication, user name by certain amount letter,
The character that numeral or Chinese character etc. are combined into, for example, " abc123 " etc., when for different third-party platforms, same Real Name
Different user names may be corresponded to identification card number.
Virtual account management module is used for the customer platform account and trade company's platform account for managing multiple third-party platforms, leads to
The accounts information of API module acquisition is crossed, the respectively customer platform account of third-party platform and trade company's platform account distribution is virtual
Account, client virtual account and trade company's virtual account are set up, and set up platform for third-party platform and assure virtual account.Wherein
Client virtual account and trade company's virtual account are only corresponding with Real Name and identification card number, and a Real Name and identity card
Number only open up a virtual account.When API module obtains the accounts information of another third-party platform, virtual account management module
Detecting whether to be stored with the Real Name and identification card number information corresponding to user name, when real name information be present, obtaining real name
Virtual account corresponding to information, make virtual account and the user name of another third-party platform interrelated, without for difference
Platform opens up different virtual accounts；When real name information is not present in number, respective virtual account is opened and set.Same real name
As long as one virtual account of user, the system is facilitated to associate multiple three to customer transaction capital settlement, a virtual account
Fang Pingtai login account, meets the needs of user is to different business.Clear module provide files in batch mode and it is online in real time
Kept accounts mode, and automatic clearance processing is carried out to transaction caused by client virtual account and trade company's virtual account.Clear module access
Bank's specialty net, and be not specifically limited for bank, user can any landing bank of unrestricted choice.
Channel of disbursement includes but is not limited to：Mobile phone or tablet personal computer are paid, web browser is paid and POS is paid, POS
Machine pays and paid under a Support Line, mobile phone or tablet personal computer pay paid comprising wechat, Alipay is paid, Baidu's wallet is paid,
Apple payment etc., i.e., pay under Support Line and paid again on Support Line, it is personal Net silver or enterprise's Net silver branch that web browser, which is paid,
Pay, paid on a Support Line.For user by the corresponding channel of disbursement of user terminal selecting, polymerization payment module fully ensures that can be
Pass through " payment services " of " virtual payment " access " unlimited " of merging in payment interface.It polymerize payment module and trading processing mould
Block connects, and trade processing module, which is sent, pays request, comprising article of consumption, spending amount and user basic information, and to paying
Process is monitored.
As shown in Fig. 2 the customer platform registered in the management of differential account system of the application multiple third-party platforms synchronous first
Account and trade company's platform account, for the real name information of acquisition, client virtual account, trade company's virtual account are set up, and be platform
Platform guarantee virtual account is set up, the fund that client is paid by multiple channel is obtained by way of polymerizeing and paying, is located
Calculation is cleared, the platform-specific savings account that virtual account is built up in bank with third-party platform synchronizes, and arbitrarily selects one
Bank of family, client can be withdrawn deposit or supplemented with money by the account registered in bank, and trade company can be entered by the account registered in bank
Row is withdrawn deposit.
Although specifically showing and describing the present invention with reference to preferred embodiment, those skilled in the art should be bright
In vain, do not departing from the spirit and scope of the present invention that appended claims are limited, in the form and details can be right
The present invention makes a variety of changes, and is protection scope of the present invention.
Claims (8)
1. a kind of management of differential account system based on third-party monitoring, as the tie of multiple third-party platform unified supervisions, is used for
Supervise same user multiple third-party platforms institute there is any discrepancy gold, it is characterised in that including：API module, polymerization pay mould
Block, trade processing module, virtual account management module and clearance module, the API module and several described third-party platforms
Connection, the polymerization payment module are connected with channel of disbursement, and the polymerization payment module is connected with the trade processing module, institute
State trade processing module to be connected with the virtual account management module, the clearance module is connected with bank.
A kind of 2. management of differential account system based on third-party monitoring according to claim 1, it is characterised in that：The API
Module is directly docked by standard api interface with multiple third-party platforms, obtains the visitor on multiple third-party platforms
The real-name authentication information of family platform account and trade company's platform account.
A kind of 3. management of differential account system based on third-party monitoring according to claim 2, it is characterised in that：The real name
Authentication information includes Real Name and identification card number.
A kind of 4. management of differential account system based on third-party monitoring according to claim 1, it is characterised in that：The payment
Channel includes but is not limited to：Mobile phone or tablet personal computer are paid, web browser is paid and POS is paid.
A kind of 5. management of differential account system based on third-party monitoring according to claim 4, it is characterised in that：Mobile phone is flat
Plate computer, which is paid, to be included but is not limited to：Wechat is paid, Alipay is paid, Baidu's wallet is paid, apple is paid.
A kind of 6. management of differential account system based on third-party monitoring according to claim 4, it is characterised in that：Web-browsing
It is personal Net silver or enterprise's e-Bank payment that device, which is paid,.
A kind of 7. management of differential account system based on third-party monitoring according to claim any one of 4-6, it is characterised in that：
The POS pays and paid under a Support Line, and mobile phone or the tablet personal computer payment is to pay to prop up on Support Line again under Support Line
Pay, the web browser pays and paid on a Support Line.
A kind of 8. management of differential account system based on third-party monitoring according to claim 2, it is characterised in that：It is described virtual
Account management module is respectively the customer platform account and trade company's platform account distribution virtual account of the third-party platform, is set up
Client virtual account and trade company's virtual account, the client virtual account and trade company's virtual account only with the real-name authentication information
It is corresponding, and a real-name authentication information only opens up a client virtual account or trade company's virtual account, and be the third party
Platform sets up platform guarantee virtual account.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710562742.7A CN107437170A (en) | 2017-07-11 | 2017-07-11 | A kind of management of differential account system based on third-party monitoring |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710562742.7A CN107437170A (en) | 2017-07-11 | 2017-07-11 | A kind of management of differential account system based on third-party monitoring |
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| CN107437170A true CN107437170A (en) | 2017-12-05 |
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| CN201710562742.7A Pending CN107437170A (en) | 2017-07-11 | 2017-07-11 | A kind of management of differential account system based on third-party monitoring |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109785086A (en) * | 2019-03-18 | 2019-05-21 | 南通中实纺织交易市场有限公司 | A kind of online transaction plateform system |
| CN109801054A (en) * | 2019-01-31 | 2019-05-24 | 厦门投融汇网络有限公司 | A kind of management of differential account system based on multi-party interface |
| CN109872141A (en) * | 2019-01-31 | 2019-06-11 | 厦门投融汇网络有限公司 | A kind of fund transfer system and its transfer account method for bank's management of differential account |
| CN110570181A (en) * | 2019-09-18 | 2019-12-13 | 重庆欣业邦网络技术有限公司 | Intelligent gathering payment system of gas station |
| CN110619510A (en) * | 2019-09-18 | 2019-12-27 | 重庆爱车联信息技术有限公司 | Multi-state combined operation management system and method for gas station |
| CN112037096A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Fee supervision system |
| CN113159746A (en) * | 2021-05-13 | 2021-07-23 | 华世界数字科技(深圳)有限公司 | Method and device for distributing payment channel based on merchant attribute |
| CN113205332A (en) * | 2021-04-24 | 2021-08-03 | 上海赛可出行科技服务有限公司 | Compliant online taxi appointment enterprise recharging supervision model method |
| CN116152001A (en) * | 2023-04-21 | 2023-05-23 | 深圳市享多多网络技术有限公司 | Aggregate payment supervision system based on accounting data analysis |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109801054A (en) * | 2019-01-31 | 2019-05-24 | 厦门投融汇网络有限公司 | A kind of management of differential account system based on multi-party interface |
| CN109872141A (en) * | 2019-01-31 | 2019-06-11 | 厦门投融汇网络有限公司 | A kind of fund transfer system and its transfer account method for bank's management of differential account |
| CN109785086A (en) * | 2019-03-18 | 2019-05-21 | 南通中实纺织交易市场有限公司 | A kind of online transaction plateform system |
| CN110570181A (en) * | 2019-09-18 | 2019-12-13 | 重庆欣业邦网络技术有限公司 | Intelligent gathering payment system of gas station |
| CN110619510A (en) * | 2019-09-18 | 2019-12-27 | 重庆爱车联信息技术有限公司 | Multi-state combined operation management system and method for gas station |
| CN112037096A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Fee supervision system |
| CN113205332A (en) * | 2021-04-24 | 2021-08-03 | 上海赛可出行科技服务有限公司 | Compliant online taxi appointment enterprise recharging supervision model method |
| CN113159746A (en) * | 2021-05-13 | 2021-07-23 | 华世界数字科技(深圳)有限公司 | Method and device for distributing payment channel based on merchant attribute |
| CN116152001A (en) * | 2023-04-21 | 2023-05-23 | 深圳市享多多网络技术有限公司 | Aggregate payment supervision system based on accounting data analysis |
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Application publication date: 20171205 |