CN107480991A - A kind of secure payment management system - Google Patents
A kind of secure payment management system Download PDFInfo
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- CN107480991A CN107480991A CN201710736829.1A CN201710736829A CN107480991A CN 107480991 A CN107480991 A CN 107480991A CN 201710736829 A CN201710736829 A CN 201710736829A CN 107480991 A CN107480991 A CN 107480991A
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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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Abstract
The present invention proposes a kind of secure payment management system, including payment administrative system, financial management system account management system and operation management system, the payment administrative system includes payment processes unit, payment management unit and reimbursement and query unit, the financial management system includes accounting management unit, reconciliation administrative unit and settlement management unit, the account management system includes consumer account's administrative unit and Merchant Account administrative unit, the operation management system includes Service Management Unit, policy management element and statistical analysis administrative unit.System proposed by the present invention has complete control strategy, ensure that the security of e-payment, meanwhile, by the means of communication of internet, there is convenient, fast, efficient, economic effect, moreover, it is easy to operate, meet the needs of modern's shopping.
Description
Technical field
The present invention relates to e-payment technical field, and in particular to a kind of secure payment management system.
Background technology
Currently, development is told in world's ecommerce, and ecommerce has turned into the boost motor of economic globalization.As life saves
The quickening played, increasing consumer orientation are going into one in quick, convenient shopping at network, Electronic Business in China
The individual new fast-developing phase [1].The safety and credit problems of online payment turn into the focus that e-commerce development is extremely paid close attention to and asked
Topic.Secure payment management system be exactly meet shopping online businessman and consumer to prestige and safety requirement and meet the tendency of and
Raw, secure payment management system plays the effect for connecting businessman and bank, ensureing transaction security, realizing third-party monitoring.
From the participation main body and operation of ecommerce, the development of ecommerce is limited by businessman, consumer, thing
Stream, pay, five nodes of credit, each node complements each other collective effect, while affects the development of ecommerce.
（1）Businessman：I.e. various shopping websites, the platform of commodity is provided for consumer.With the fast development of online ecommerce,
Increasing website opens up home shopping channel, and many big websites also add the ranks of ecommerce one after another.
（2）Consumer：Buy the customer of commodity, consumption idea behavior direct shadow of the customer to the confidence of shopping online and usually
Ring the development paid on the net.
（3）Logistics：Refer to utilize modern information technologies and equipment, by commodity from supply to receive ground accurately, timely, peace
Complete, rationalization service mode guarantee both quality and quantity, door-to-door and advanced service procedure.For hyundai electronicses commercial affairs, transport
Expense and means of transportation often determine the key that can buyer and seller conclude the transaction.
（4）Pay：The process that i.e. fund shifts between consumer and businessman.With the development of modern information technologies, branch
The online payment for developing into and not meeting from aspectant stock spot payment is paid, the transfer of fund is realized using internet as carrier,
Certain digital financial instrument supported using bank, realizes the online currency branch from buyer to financial institution, between businessman
Pay, cash circulation, fund clearing, the process such as query statistic.
（5）Credit：In terms of economics aspect, credit refers to that accrediting party is fully believing in the exchange of commodities or other economic activities
On the basis of appointing fiduciary to realize its promise, made loans with contractual relation to fiduciary, and ensure that the capital of oneself can return
Stream and value-added value movement.Due to the particularity of online payment, businessman and consumer are simultaneously not directly contacted with, so process of exchange
The problem of being faced with credit.
In this five nodes, payment is the link of core, is not paid, and can not realize the transfer of fund, so that can not
So that the logistics, cash flow and information flow under ecommerce are unified.Therefore the Third-party payment platform of a safety is designed, for electricity
Sub- businesses provide third-party secure payment service, can be by the scattered link group such as operator, bank, trade company, user
It is combined together, the connection of secure and trusted times will be carried out by realizing between user, businessman and financial institution, realize the branch unrelated with business
Service is paid, such bank need not greatly reduce cost of serving, improve processing speed and efficiency directly facing end user,
Payment platform provides unified application interface, is that businessman is not necessarily the more banks connection established one's own system, reduces exploitation and operation
The cost of maintenance, reduce transaction cancellation, order execution delay, pay failure, the risk of credit fraud, improve competitiveness.The of safety
Tripartite's payment platform can be preferably perfect the truthful environment of ecommerce, promote the fast development of ecommerce.
The content of the invention
It is an object of the invention to provide a kind of quick and easy, information security secure payment management system.
The present invention is achieved through the following technical solutions：
A kind of secure payment management system, including payment administrative system, financial management system
Account management system and operation management system, the payment administrative system include payment processes unit, payment management unit
With reimbursement and query unit, the financial management system includes accounting management unit, reconciliation administrative unit and settlement management unit,
The account management system includes consumer account's administrative unit and Merchant Account administrative unit, and the operation management system includes
Service Management Unit, policy management element and statistical analysis administrative unit.
Further, the payment processes unit realizes bank card and the payment function of internal account, the payment management
Unit, which is realized, to be set payment category and sets form of payment, and consumer's return of goods reimbursement function is realized in the reimbursement and inquiry.
Further, the accounting management unit carries out charging processing with strategy according to charging and forms file；It is described right
Account management include enter an item of expenditure in the accounts, reconciliation, account module adjust account, bill management；The brown settlement management unit of institute according to market settlement realize with
The contact clearing of merchant web site, and settlement money is imported businessman's settlement module website in the account that bank opens up.
Further, consumer account's administrative unit includes user basic information management, user identity management, user
Accounting management, user integral and hierarchical management, customer complaint management, the management of payment account；The Merchant Account administrative unit
The management of the management of management, state, the management of account, product including essential information and inquiry and statistics.
Further, the Service Management Unit include electronic passenger ticket business, electronic lottery business, online shopping mall's business,
Electronic bill payment business；The tactical management includes charging policy, credit policy, class policy, payment strategy and promotion strategy；Institute
The statistical analysis of service-user and the statistical analysis of business can be realized by stating statistical analysis administrative unit.
The beneficial effects of the invention are as follows：System proposed by the present invention has complete control strategy, ensure that e-payment
Security, meanwhile, by the means of communication of internet, there is convenient, fast, efficient, economic effect, moreover, operation side
Just, meets the needs of modern's shopping.
Brief description of the drawings
Fig. 1 is the structural representation of the present invention；
Fig. 2 is the structural representation of payment administrative system；
Fig. 3 is the structural representation of financial management system；
Fig. 4 is the structural representation of account management system；
Fig. 5 is the structural representation of operation management system.
Embodiment
The present invention is described further with reference to specification.
As shown in Fig. 1 ~ 5, a kind of secure payment management system, including payment administrative system, financial management system
Account management system and operation management system, the payment administrative system include payment processes unit, payment management unit
With reimbursement and query unit, the financial management system includes accounting management unit, reconciliation administrative unit and settlement management unit,
The account management system includes consumer account's administrative unit and Merchant Account administrative unit, and the operation management system includes
Service Management Unit, policy management element and statistical analysis administrative unit.
In the technical program, the payment processes unit realizes bank card and the payment function of internal account, the branch
Pay administrative unit and realize setting payment category and setting form of payment, consumer's return of goods reimbursement work(is realized in the reimbursement and inquiry
Energy.
In the technical program, the accounting management unit carries out charging processing with strategy according to charging and forms file；
The reconciliation management include enter an item of expenditure in the accounts, reconciliation, account module adjust account, bill management；The brown settlement management unit of institute is according to market settlement
Realize that the contact with merchant web site is settled accounts, and settlement money is imported businessman's settlement module website in the account that bank opens up.
In the technical program, consumer account's administrative unit includes user basic information management, user identity pipe
Reason, user's accounting management, user integral and hierarchical management, customer complaint management, the management of payment account；The Merchant Account pipe
Managing unit includes the management of essential information, the management of state, the management of account, the management of product and inquiry and statistics.
In the technical program, the Service Management Unit includes electronic passenger ticket business, electronic lottery business, online shopping mall
Business, electronic bill payment business；The tactical management includes charging policy, credit policy, class policy, payment strategy and promotion plan
Slightly；The statistical analysis administrative unit can realize the statistical analysis of service-user and the statistical analysis of business.
System proposed by the present invention has complete control strategy, ensure that the security of e-payment, meanwhile, by mutual
The means of communication of networking, there is convenient, fast, efficient, economic effect, moreover, it is easy to operate, meet the need of modern's shopping
Ask.
The preferred embodiments of the present invention are these are only, are not intended to limit the invention, for those skilled in the art
For member, the present invention can have various modifications and variations.Any modification within the spirit and principles of the invention, being made,
Equivalent substitution, improvement etc., should be included in the scope of the protection.
Claims (5)
1. a kind of secure payment management system, including payment administrative system, financial management system
Account management system and operation management system, it is characterised in that：The payment administrative system includes payment processes unit, branch
Administrative unit and reimbursement and query unit are paid, the financial management system includes accounting management unit, reconciliation administrative unit and knot
Administrative unit is calculated, the account management system includes consumer account's administrative unit and Merchant Account administrative unit, the operation
Management system includes Service Management Unit, policy management element and statistical analysis administrative unit.
A kind of 2. secure payment management system according to claim 1, it is characterised in that：The payment processes unit realizes silver
The payment function of row card and internal account, the payment management unit, which is realized, to be set payment category and sets form of payment, described
Consumer's return of goods reimbursement function is realized in reimbursement and inquiry.
A kind of 3. secure payment management system according to claim 1, it is characterised in that：The accounting management unit is according to meter
Expense carries out charging processing with strategy and forms file；The reconciliation management include enter an item of expenditure in the accounts, reconciliation, account module adjust account, bill pipe
Reason；Brown settlement management unit realized according to market settlement and settled accounts with the contact of merchant web site, and settlement money is imported businessman's knot
Module website is calculated in the account that bank opens up.
A kind of 4. secure payment management system according to claim 1, it is characterised in that：Consumer account's administrative unit
Including user basic information management, user identity management, user's accounting management, user integral and hierarchical management, customer complaint pipe
Reason, the management of payment account；The Merchant Account administrative unit includes the management of essential information, the management of state, the pipe of account
Reason, the management of product and inquiry and statistics.
A kind of 5. secure payment management system according to claim 1, it is characterised in that：The Service Management Unit includes electricity
Sub- passenger ticket business, electronic lottery business, online shopping mall's business, electronic bill payment business；The tactical management includes charging policy, letter
With strategy, class policy, pay strategy and promotion strategy；The statistical analysis administrative unit can realize the statistical of service-user
Analysis and the statistical analysis of business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710736829.1A CN107480991A (en) | 2017-08-24 | 2017-08-24 | A kind of secure payment management system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710736829.1A CN107480991A (en) | 2017-08-24 | 2017-08-24 | A kind of secure payment management system |
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| Publication Number | Publication Date |
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| CN107480991A true CN107480991A (en) | 2017-12-15 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710736829.1A Pending CN107480991A (en) | 2017-08-24 | 2017-08-24 | A kind of secure payment management system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108460662A (en) * | 2018-03-14 | 2018-08-28 | 扬州工业职业技术学院 | A kind of electronic commerce transaction system |
| CN110619496A (en) * | 2018-06-04 | 2019-12-27 | 上海硕诺信息科技有限公司 | Transportation management system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105405007A (en) * | 2015-11-19 | 2016-03-16 | 成都连银信息技术有限公司 | Unified account processing system supporting multiple types of payment channels |
| US20160247130A1 (en) * | 2015-02-24 | 2016-08-25 | John Paul Olmstead | Presenting recipient billing information using data from previous transactions |
| CN106447427A (en) * | 2016-09-09 | 2017-02-22 | 浪潮软件股份有限公司 | Capital safety management method for cold chain industry |
-
2017
- 2017-08-24 CN CN201710736829.1A patent/CN107480991A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20160247130A1 (en) * | 2015-02-24 | 2016-08-25 | John Paul Olmstead | Presenting recipient billing information using data from previous transactions |
| CN105405007A (en) * | 2015-11-19 | 2016-03-16 | 成都连银信息技术有限公司 | Unified account processing system supporting multiple types of payment channels |
| CN106447427A (en) * | 2016-09-09 | 2017-02-22 | 浪潮软件股份有限公司 | Capital safety management method for cold chain industry |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108460662A (en) * | 2018-03-14 | 2018-08-28 | 扬州工业职业技术学院 | A kind of electronic commerce transaction system |
| CN110619496A (en) * | 2018-06-04 | 2019-12-27 | 上海硕诺信息科技有限公司 | Transportation management system |
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Application publication date: 20171215 |
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