CN107798517A

CN107798517A - Bill payment method, apparatus and system

Info

Publication number: CN107798517A
Application number: CN201610794017.8A
Authority: CN
Inventors: 顾梅玉
Original assignee: Shenzhen Cifpay Network Bank Technology Co Ltd
Current assignee: Shenzhen Cifpay Network Bank Technology Co Ltd
Priority date: 2016-08-31
Filing date: 2016-08-31
Publication date: 2018-03-13

Abstract

The present invention relates to a kind of bill payment methods, devices and systems.It the described method comprises the following steps：Commodity server obtains merchandise news selected by user, generates sequence information, and obtain paying party information and beneficiary information；Commodity server generates bill information according to the paying party information, beneficiary information and sequence information；Bank server generates bank paying voucher after getting the confirmation to the bill information and paying, according to the bill information, and paying the paying party account in statement information according to confirmation freezes the value data being equal with the payment in the bill information；When detecting that meeting solution pays condition, the value data freezed in paying party account is thawed, and value data is transferred in the beneficiary account in bill information.Above-mentioned bill payment methods, devices and systems, without passing through third party's account, the safety of value data is ensure that, paying party information is also prevent and beneficiary information is leaked by third party.

Description

Bill payment method, apparatus and system

Technical field

The present invention relates to network technique field, more particularly to a kind of bill payment method, apparatus and system.

Background technology

Developing rapidly for social economy and information network technique, promotes payment system constantly to move towards electronics from manual operations Change, networking.The demand for development information flow of ecommerce, cash flow and logistics three flow unimpeded, and network payment passes through information flow Transmission instead of cash exchange, be ecommerce important component.Network payment is based on internet and is suitable for electricity The e-payment of sub- commercial affairs, it is special by computer network using various electronic money as medium based on e-finance network It is not that circulation and payment function are realized in internet in the form of electronic information transmission.The main forms of network payment include net Silver, Third-party payment and mobile payment, as the medium platform between buyer and the seller, buyer only needs silver Third-party payment Row card and accounts information inform the third-party institution, without informing to payee or the seller, greatly reduce buyer credit card information The risk given away secrets with accounts information.

Network payment function is opened in ecommerce can be by two ways, and one kind is opened by Third-party payment platform It is logical, the payment gateway of each bank is combined by Third-party payment platform, user pay be not required to select it is single Draw bank, but Third-party payment is a virtual payment mode, and fund is actually deposited with third party's branch by user when paying In the bank account for paying platform, actual is only the transfer of the value data in Third-party payment platform system and mark, brings money The safety problem of golden number evidence；Another kind is to consult to obtain a payment interface with bank, and trade company needs and opened online payment work( The bank of energy subscribes to the agreement, and bank is supplied to one trade company's numbering of trade company, and trade company is in its website trade company's numbering and payment information Etc. the background system that content submits to bank's offer, bank provides address and the data processed result acquisition that data are submitted to trade company Address and the explanation document of relevant parameter and call method, data go to the processing of bank background system, the i.e. network address of trade company Data are submitted to by payment gateway according to the order data specification that bank provides, but trade company connects to open multiple bank payings Mouthful, it is necessary to open-minded, the complex steps that correspond to each bank, and fund is directly gone to trade company's Bank Account Number by user after buying commodity In, cash flow settles at one go, and information flow can not settle at one go, causes funds data dangerous.

The content of the invention

Based on this, it is necessary to for the unsafe problem of funds data in traditional means of payment, there is provided a kind of bill branch The method of paying, the safety of funds data can be improved.

A kind of bill paying device and system are provided in addition, there is a need to, the safety of funds data can be improved.

A kind of bill payment method, comprises the following steps：

Commodity server obtains merchandise news selected by user, and generates sequence information according to the merchandise news, and obtains Paying party information and beneficiary information；

Bill central server generates bill information according to the paying party information, beneficiary information and sequence information；

Bank server generates bank after getting the confirmation to the bill information and paying, according to the bill information Evidence for payment, confirm that payment is freezed and the branch in the bill information to the paying party account in the bill information according to described Pay the amount of money equivalent value data；

When bill central server detects that meeting solution pays condition, transmitting bank's system in the paying party account to freezing Value data thawed, and the value data is transferred in the beneficiary account in the bill information.

A kind of bill paying device, including：

Order generation module, positioned at commodity server, believe for obtaining merchandise news selected by user, and according to the commodity Breath generation sequence information；

Bill generation module, positioned at bill central server, for obtaining paying party information and beneficiary information, according to institute State paying party information, beneficiary information and sequence information generation bill information；

Evidence for payment generation module, positioned at bank server, for getting the payment of the confirmation to the bill information Afterwards, bank paying voucher is generated according to the bill information, confirms to pay to the paying party in the bill information according to described Account freezes the value data being equal with the payment in the bill information；

Shift module, positioned at bill central server, when meeting solution pair condition for detecting, transmitting bank's server pair The value data freezed in the paying party account is thawed, and the value data is transferred in the bill information In beneficiary account.

A kind of bill payment system, including commodity subsystem, bill center subsystem, bank subsystem；Commodity System, bill center subsystem, bank subsystem include bank client and bank server；

The commodity server is used to obtain merchandise news selected by commodity client, and is ordered according to merchandise news generation Single information, and paying party information and beneficiary information are obtained, the sequence information, paying party information and beneficiary information are sent To the bill central server；

The bill central server is used to generate bill according to the paying party information, beneficiary information and sequence information Information, the bill information is sent to the bank server；

The bank server is used for after getting the confirmation to the bill information and paying, according to the bill information Bank paying voucher is generated, confirms that payment is freezed to the paying party account in the bill information and the bill is believed according to described The equivalent value data of payment in breath；

When the bill central server is additionally operable to detect that meeting solution pays condition, notify the bank server to payment The value data freezed in square account is thawed, and the value data is transferred into beneficiary account in the bill information In.

Above-mentioned bill payment methods, devices and systems, by the way that sequence information and bill information are separately handled, and according to account Single information generates bank paying voucher, is paid according to bank paying voucher, and value data is frozen in into paying party during payment In account, when detecting that meeting solution pays condition, value data is transferred in beneficiary account, the transfer of whole value data Journey is existed only in paying party account and beneficiary account, without passing through third party's account, ensure that the peace of value data Entirely, it also prevent paying party information and beneficiary information leaked by third party.

Brief description of the drawings

Fig. 1 is the application environment schematic diagram of bill payment method in one embodiment；

Fig. 2A is the internal structure schematic diagram of terminal in one embodiment；

Fig. 2 B are the internal structure schematic diagram of server in one embodiment；

Fig. 3 is the flow chart of bill payment method in one embodiment；

Fig. 4 is obtains paying party information and beneficiary information, according to the paying party information, beneficiary information and sequence information Generate the particular flow sheet of bill information；

Fig. 5 is the flow chart that gathering is arrived in payment in one embodiment；

Fig. 6 is the application scenarios configuration diagram of bill payment method in one embodiment；

Fig. 7 is the application scenarios timing diagram of the bill payment method in Fig. 6；

Fig. 8 is the application scenarios configuration diagram of bill payment method in another embodiment；

Fig. 9 is the application scenarios timing diagram of the bill payment method in Fig. 8；

Figure 10 is the application scenarios configuration diagram of bill payment method in another embodiment；

Figure 11 is the application scenarios timing diagram of the bill payment method in Figure 10；

Figure 12 is the structured flowchart of bill paying device in one embodiment；

Figure 13 is the structured flowchart of bill payment system in one embodiment.

Embodiment

In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and It is not used in the restriction present invention.

Fig. 1 is the application environment schematic diagram of bill payment method in one embodiment.As shown in figure 1, the application environment bag Include terminal 110, commodity server 120, bill central server 130, bank server 140.Terminal 110 and commodity server 120th, bill central server 130, bank server 140 are communicated.Commodity server 120 and bill central server 130 Communicated, bill central server 130 is communicated with bank server 140.

Terminal 110 obtains user's mark, is identified by user and logs in commodity server 120, obtains shop from network and chooses Merchandise news, the merchandise news is uploaded into commodity server 120；Commodity server 120 generates order according to merchandise news Information, the sequence information include order note identification, merchandise news and payment etc., sequence information are sent into bill center service Device 130；Bill central server 130 generates bill information according to sequence information, and bill information is sent into bank server 140；Bank server 140 generates bank paying voucher according to bill information, gets user and confirms after paying, from paying party account Freeze the amount of money numerical value being equal with payment in family, and successful information will be freezed and return to bill central server 130；Account Pay status is fed back to commodity server 120 by single centre server 130, and commodity server 120 notifies beneficiary delivery；Bill Central server 130 detects that meeting solution pays condition, the then value data that transmitting bank's server 140 freezes paying party account Thawed, and the value data is transferred in beneficiary account.In addition, sequence information may also include time limit of payment and order Type etc..Order Type can be net purchase etc..

Realize sequence information and bill information is separately handled, and bank paying voucher is generated according to bill information, pass through Bank paying voucher is paid, and value data freezes in paying party account during payment, and value data is transferred to gathering after arrival Square account, it is not required to by third party's account, fund security.

Fig. 2A is the internal structure schematic diagram of terminal in one embodiment.As shown in Figure 2 A, the terminal includes passing through system Processor, non-volatile memory medium, internal memory, network interface, display screen and the input unit of bus connection.Wherein, terminal Non-volatile memory medium is stored with operating system.The processor is used to provide calculating and control ability, supports whole terminal Operation.Network interface is used to carry out network service with server.The display screen of terminal can be LCDs or electronic ink Water display screen etc., input unit can be button, the rails set on the touch layer or terminal enclosure covered on display screen Mark ball or Trackpad or external keyboard, Trackpad or mouse etc..The terminal can be mobile phone, personal computer, put down Plate computer, TV or personal digital assistant etc..It will be understood by those skilled in the art that the structure shown in Fig. 2A, is only The block diagram of the part-structure related to application scheme, the limit for the terminal being applied thereon to application scheme is not formed Fixed, specific terminal can include, than more or less parts shown in figure, either combining some parts or with difference Part arrangement.

Fig. 2 B are the internal structure schematic diagram of server in one embodiment.As shown in Figure 2 B, the server includes passing through Processor, non-volatile memory medium, internal memory and the network interface of system bus connection.Wherein, the server is non-volatile Storage medium is stored with operating system, database, and data are stored with database.The processor of the server is used to provide calculating And control ability, support the operation of whole server.The display screen of the server can be LCDs or electric ink Display screen etc., input unit can be button, the tracks set on the touch layer or terminal enclosure covered on display screen Ball or Trackpad or external keyboard, Trackpad or mouse etc..The network interface of the server be used for according to this with outside Terminal pass through network connection communicate etc..Server can with independent server either multiple server groups into server Cluster is realized.It will be understood by those skilled in the art that the structure shown in Fig. 2 B, the only portion related to application scheme The block diagram of separation structure, does not form the restriction for the server being applied thereon to application scheme, and specific server can be with Including than more or less parts shown in figure, either combining some parts or being arranged with different parts.

Fig. 3 is the flow chart of bill payment method in one embodiment.As shown in figure 3, a kind of bill payment method, including Following steps：

Step 302, commodity server obtains merchandise news selected by user, and generates sequence information according to the merchandise news, And obtain paying party information and beneficiary information.

In the present embodiment, commodity server 120 obtains user and logs in net by terminals such as mobile phone, personal computer, TVs The upper shop free choice of goods, and confirm that purchase is placed an order, sequence information is generated according to merchandise news.Sequence information includes order mark Know, merchandise news, the payment of order and the trading rules of purchase.In addition, sequence information is also including user's mark and on the net Shop platform identification.User's mark is the mark for distinguishing user's unique identities.Online Store's platform identification is to be used to distinguish The unique mark of Online Store's platform.The online trading rules may include deliver time limit, after-sale service etc..Merchandise news can be divided into Physical commodity information or virtual goodses information etc., for physical commodity, merchandise news may include the sizes of commodity, color, unit price, It is one or more in material, the place of production, manufacturer, date of manufacture, limited date etc..For virtual goodses, merchandise news may include ISP, exchange the term of validity, exchange physical commodity etc..

Paying party information may include paying party communication identifier and/or paying party account.Beneficiary information may include beneficiary Communication identifier and/or beneficiary account.

Paying party communication identifier is inputted in commodity client, commodity server obtains paying party communication identifier.Paying party leads to It can be phone number or E-mail address etc. that beacon, which is known,.

Commodity client obtains the beneficiary communication identifier recorded, and commodity server obtains beneficiary communication identifier.Receive Money side's communication identifier can be phone number or E-mail address etc..

Step 304, bill central server generates bill letter according to the paying party information, beneficiary information and sequence information Breath.

In the present embodiment, commodity server 120 is obtained from sequence information extraction order note identification, payment, Online Store Platform identification and user's mark, and paying party information and beneficiary information are obtained, by sequence information, paying party information and beneficiary Bill central server 130 is sent to after information encryption.The decryption of bill central server 130 obtains sequence information, paying party letter After breath and beneficiary information, bill information is generated.Paying party information may include paying party name (name of opening an account), paying party bank mark Know (bank of deposit), paying party account (Bank Account Number) etc..Paying party information may also include the bank of deposit for obtaining input and user The reserved phone number of Bank Account Number.Paying party bank identifier can be paying party Bank Name or paying party transit number etc..Receive Money side's information may include beneficiary name, beneficiary bank identifier, beneficiary account etc..Beneficiary bank identifier can be beneficiary Bank Name or beneficiary transit number etc..

In one embodiment, paying party information includes paying party communication identifier or paying party account, the beneficiary information Including beneficiary communication identifier or beneficiary account；

Step 304 includes：Bill central server obtains order note identification and payment from the sequence information；In bill Central server obtains the paying party account bound with paying party communication identifier according to paying party communication identifier, and according to the gathering Square communication identifier obtains the beneficiary account with the binding of beneficiary communication identifier；Bill central server is according to the paying party account Number, beneficiary account, order note identification and payment generation bill information.

In one embodiment, as shown in figure 4, step 304 includes：

Step 3041, commodity server obtains the payment request that the means of payment of user's selection is submitted, according to the payment Ask to return to user and pay the page, obtain the paying party information that user inputs in the payment page, and be sent to bill center Server.

In the present embodiment, selection book keeping operation in shop is paid user from network or silver letter card is paid, and commodity server 120, which obtains, to be used The silver of family selection believes that card pays submitted payment request, is asked to return to the payment page to user according to the payment, and obtain use Family is paying the paying party information of page input.The paying party information may include paying party name (name of opening an account), paying party account Family (i.e. Bank Account Number), paying party bank identifier (i.e. bank of deposit).In addition, paying party information may also include paying party mobile communication Mark etc..Paying the page may include the Webpage of individual calculus generator terminal, bank application etc..

Step 3042, shop obtains beneficiary information to commodity server from network, and is sent to bill central server.

Step 3043, bill central server obtains order note identification and payment from the sequence information.

Step 3044, bill central server is according to the paying party information, beneficiary information, order note identification and payment Generate bill information.

In the present embodiment, bill central server 130 is according to the paying party information, beneficiary information, order note identification and branch Amount of money generation bill information is paid, establishes payment data to account book.Bill information includes order note identification, payment, paying party letter Breath and beneficiary information etc..

Step 306, bank server is given birth to after getting the confirmation to the bill information and paying according to the bill information Into bank paying voucher, paid according to the confirmation and paying party account in the bill information is freezed and the payment in the bill information The equivalent value data of the amount of money.

Step 308, when bill central server detects that meeting solution pays condition, transmitting bank's server is to the paying party account The value data freezed in family is thawed, and the value data is transferred in the bill information in beneficiary account.

In the present embodiment, solution is paid condition and can set as needed, as bill central server receives really within the default time limit Recognize payment instruction, then advice and pay side's bank server thaws to the value data freezed in paying party account, and by gold Specified number evidence is transferred in bill information in beneficiary account.Bill central server does not receive within the default time limit confirms that payment refers to Order, and detect that then advice and pay side's bank server enters to the value data freezed in paying party account more than the time limit is preset Row is thawed, and value data is transferred in bill information in beneficiary account.Wherein, value data is transferred to bill information In beneficiary account in, refer to that paying party bank server reduces the value data, beneficiary bank from paying party account Server increases the value data from beneficiary account.

Paying party bank server and beneficiary bank server can be same bank server or different bank server.

Above-mentioned bill payment method, by the way that sequence information and bill information are separately handled, and generated according to bill information Bank paying voucher, paid according to bank paying voucher, value data is frozen in paying party account during payment, detected To when meeting solution pair condition, value data is transferred in beneficiary account, the transfer process of whole value data exists only in In paying party account and beneficiary account, without passing through third party's account, the safety of value data is ensure that, also prevent Paying party information and beneficiary information are leaked by third party.

Fig. 5 is the flow chart that gathering is arrived in payment in one embodiment.As shown in figure 5, paying the bill to the step of gathering includes：

Step 502, parsing gets paid the amount of money, beneficiary accounts information and paying party account letter from the bill information Breath.

Step 504, obtain paying party and request of opening L/C is submitted in itself paying party account.

Step 506, judge whether remaining sum is more than the payment in paying party account, if so, step 508 is then performed, if It is no, then perform step 510.

Step 508, bank paying voucher is generated.

Step 510, balance amount prompting deficiency.

Step 512, obtain the confirmation to the bank paying voucher to pay, paid according to the confirmation to being paid in the bill information Money side's account freezes the value data being equal with the payment in the bill information.

Step 514, judge the confirmation payment instruction that user submits whether is received within the default time limit, if so, performing step 516, if it is not, performing step 518.

Step 516, the value data freezed is thawed, and the value data is transferred in the bill information and collected money In square account.

In the present embodiment, bill central server 130 receives the confirmation payment instruction of user's submission within the default time limit, leads to Know that paying party bank server 140 thaws to the value data freezed in paying party account, and value data is transferred to In the beneficiary account of beneficiary bank server 150.

Step 518, detect whether to exceed the default time limit, if more than the default time limit, the value data freezed is solved Freeze, and the value data is transferred in the bill information in beneficiary account.

Above by the default time limit is set, conveniently value data is shifted.

In one embodiment, in the acquisition paying party information and beneficiary information, according to paying party information, the beneficiary After the step of information and sequence information generation bill information, the bill payment method also includes：The bill information is sent to Bank server corresponding to bank selected by paying party；Detect that (bank client may include Net silver or silver to bank client Row application program) after, exist in the Net silver page or bank application page prompts and do not complete bill information；Obtain to this not The payment instruction of bill information is completed, bill information is generated by bank paying voucher according to the payment instruction.

Fig. 6 is the application scenarios configuration diagram of bill payment method in one embodiment.As shown in fig. 6, the applied field Scape includes Online Store's server, bill central server, bank server, payer terminal and beneficiary terminal.Paying the bill Online Store front end and bank account front end are shown in square terminal and beneficiary terminal.Online Store front end refers to that website is presented on The part on foreground.Bank account front end refers to that bank account system is presented on the part on foreground.Online Store's server is Commodity server.Merchandise news, sequence information, pay status, operation button and operation pages etc. are presented in Online Store front end.Net Upper shop server generates sequence information.Bill central server obtains paying party information, beneficiary information and sequence information life Into bill information, establish to account book, bill information is sent to bank server, pay status is provided to Online Store's server Information, monitoring and veritification are thawed.The payment affirmation page, including silver letter card, operation button and operation is presented in bank account front end The page.Bank server statement information is veritified, and core opens silver letter card, and the side's of suspending payment account, defrosting paying party account are frozen The value data of knot, transfer accounts.

Fig. 7 is the application scenarios timing diagram of the bill payment method in Fig. 6.As shown in fig. 7, the bill payment method is answered Included with the implementation process of scene：

Step 701, payer terminal logs in Online Store front end, in Online Store's front end free choice of goods information, and will choosing Purchase merchandise news uploads to Online Store's server.

Step 702, Online Store's server generates the sequence information of user according to merchandise news.

Step 703, payer terminal obtains paying party information and beneficiary information.

Payer terminal obtains paying party selection silver and believes that card is paid, and believes from silver and silver is selected in the option for demonstrate,proving the bank supported OK, insert and moved corresponding to the Bank Account Number that mobile communication mark or paying party corresponding to the Bank Account Number of paying party payment are paid Communication identifier or email address etc..Mobile communication mark can be phone number etc..

Paying party information is with may include paying party account, paying party name, paying party mobile communication mark, paying party mailbox Location etc..Beneficiary information may include beneficiary account, beneficiary name, beneficiary mobile communication mark, beneficiary email address Deng.

Furthermore, it is possible to sequence information is ejected, payment and payment accounts for checking in sequence information etc..

Step 704, paying party information, beneficiary information and sequence information are sent to bill center by Online Store's server Server.

Step 705, bill central server generates bill letter according to paying party information, beneficiary information and sequence information Breath.

Step 706, bill information is sent to paying party bank server by bill central server.

Step 707, payer terminal gets paying party and logs in paying party bank front end, accesses paying party bank service Device, and unfinished bill information is viewed in paying party bank front end, obtain the payment instruction that bill information is not completed to this.

Paying party logs in Net silver or bank application, and the displaying payment affirmation page, the payment are true in payer terminal It can be that silver letter demonstrate,proves the page, including beneficiary information, paying party information, payment, confirmation payment button to recognize the page.Obtain user Click on after confirming payment button, generate payment instruction.

Step 708, paying party bank server will freeze to be equal with payment according to payment instruction in paying party account Value data.

Paying party bank server is veritified according to payment instruction to not completing bill information, is judged more than paying party account Whether volume is more than the payment in bill information, if so, then bank paying voucher is generated according to bill information, if it is not, then carrying Show that Sorry, your ticket has not enough value.The value data that is equal with payment will be freezed according to bank paying voucher in paying party account.The bank Evidence for payment can be that silver letter is demonstrate,proved.

Step 709, paying party bank server is sent to bill central server by notice is successfully freezed.

Step 710, pay status is fed back to Online Store's server by bill central server.

Bill central server establishes bill corresponding to silver letter card number, progress reconciliation, and updates pay status, will pay shape State feeds back to Online Store's server.

Step 711, Online Store's server receives pay successfully after, to beneficiary terminal send shipping order.

Step 712, bill central server detects that satisfaction solution pays a condition, and advice and pay side bank server is to freezing Value data is thawed.

Bill central server judges whether to meet that solution pays condition.If Online Store's server receives use within the default time limit Family is submitted acknowledges receipt of goods instruction really, will confirm that instruction of receiving is sent to bill central server.Bill central server notice is paid The value data that money side's bank server freezes to paying party account thaws.Also can be in Net silver or the bank application page Confirmation is submitted to receive instruction, the value data that paying party bank server freezes to paying party account thaws, and by the amount of money Data are transferred in beneficiary account.The default time limit can set as needed, such as 7 days or 14 days.

Step 713, paying party bank server thaws to the value data freezed in paying party account, by defrosting Value data is transferred in the beneficiary account in beneficiary bank server.

Step 714, beneficiary bank server notifies the beneficiary terminal amount of money to account.

Sequence information is sent to bill central server by above-mentioned bill payment method, Online Store's server, in bill Central server generates bill information according to sequence information, bill information is sent into bank server, bank server, which obtains, to be used Family logs in bank front end and carries out payment affirmation, realizes the separated processing of sequence information and bill information, is given birth to according to bill information Into bank paying voucher, paid according to bank paying voucher, value data is frozen in paying party account during payment, examined Measure meet solution pay condition when, value data is transferred in beneficiary account, the transfer process of whole value data only exists In in paying party account and beneficiary account, without passing through third party's account, the safety of value data is ensure that, is also prevented from Paying party information and beneficiary information are leaked by third party.

In one embodiment, from paying party information and beneficiary information is obtained, believed according to the paying party information, beneficiary After the step of breath and sequence information generation bill information, the bill payment method also includes：Obtain user and log in bill center Server, exist in the prompting of bill central server and do not complete bill information；Obtain the branch that user does not complete bill information to this Pay instruction；Bank server corresponding to bank selected by the bill information is sent into paying party according to the payment instruction.

Fig. 8 is the application scenarios configuration diagram of bill payment method in another embodiment.As shown in figure 8, the application Scene includes Online Store's server, bill central server, bank server, payer terminal and beneficiary terminal.Paying Online Store front end and bill hub head end are shown in money side's terminal and beneficiary terminal.Online Store front end refers to that website is presented In the part on foreground.Bill hub head end refers to that bill center is presented on the part on foreground.Commodity letter is presented in Online Store front end Breath, sequence information, pay status, operation button and operation pages etc..Online Store's server generation sequence information.Bill center Server obtains paying party information, beneficiary information and sequence information generation bill information, establishes to account book, bill information is sent out Bank server is given, provides pay status information to Online Store's server, monitoring and veritification are thawed.Account hub head end Account information, pay status and operation button and operation pages are presented.Bank server statement information is veritified, and core is opened Silver letter card, value data that the side's of suspending payment account, defrosting paying party account are freezed, transfers accounts.

Fig. 9 is the application scenarios timing diagram of the bill payment method in Fig. 8.As shown in figure 9, the reality of the bill payment method Existing process includes：

Step 901, payer terminal logs in Online Store front end, in Online Store's front end free choice of goods information, and will choosing Purchase merchandise news uploads to Online Store's server.

Step 902, Online Store's server generates the sequence information of user according to merchandise news.

Step 903, payer terminal obtains paying party information and beneficiary information.

Step 904, paying party information, beneficiary information and sequence information are sent to bill center by Online Store's server Server.

Step 905, bill central server generates bill letter according to paying party information, beneficiary information and sequence information Breath.

Step 906, payer terminal obtains paying party and logs in bill hub head end, accesses bill central server, obtains Bill information is not completed, and obtains the payment instruction to not completing bill information.

Step 907, bill information is sent to paying party bank server by bill central server according to payment instruction.

Step 908, paying party bank server will freeze to be equal with payment according to payment instruction in paying party account Value data.

Step 909, paying party bank server is sent to bill central server by notice is successfully freezed.

Step 910, pay status is fed back to Online Store's server by bill central server.

Step 911, Online Store's server receives pay successfully after, to beneficiary terminal send shipping order.

Step 912, bill central server detects that satisfaction solution pays a condition, and advice and pay side bank server is to freezing Value data is thawed.

Step 913, paying party bank server thaws to the value data freezed in paying party account, by defrosting Value data is transferred in the beneficiary account in beneficiary bank server.

Step 914, beneficiary bank server notifies the beneficiary terminal amount of money to account.

Sequence information is sent to bill central server by above-mentioned bill payment method, Online Store's server, in bill Central server generates bill information according to sequence information, and bill central server obtains user's login bill hub head end and propped up Pay and confirm, bill information is sent to bank server, the separated processing of sequence information and bill information is realized, according to bill Information generates bank paying voucher, is paid according to bank paying voucher, and value data is frozen in into paying party account during payment In family, when detecting that meeting solution pays condition, value data is transferred in beneficiary account, the transfer process of whole value data Exist only in paying party account and beneficiary account, without passing through third party's account, ensure that the safety of value data, It also prevent paying party information and beneficiary information leaked by third party.

In one embodiment, merchandise news selected by user is obtained, and the step of sequence information is generated according to the merchandise news After rapid, the bill payment method also includes：The mobile communication mark of user is obtained, the mobile communication is identified and sequence information It is sent to bill central server；Receive and show the bill page link of bill central server generation.

The acquisition paying party information and beneficiary information, given birth to according to the paying party information, beneficiary information and sequence information Include into the step of bill information：Judge that the mobile communication is identified whether to be new, if it is not, then prompting selection draw bank, if It is that then prompting is associated bank；Selected bank is obtained, obtains paying party information；Obtain beneficiary information；According to this pair Money side's information, beneficiary information and sequence information generation bill information.

In the acquisition paying party information and beneficiary information, according to the paying party information, beneficiary information and sequence information After the step of generating bill information, the bill payment method also includes：The bill information is sent to selected by paying party Bank server corresponding to bank；After the bank server is verified to the bill information, generation bill link, and generate bag The short message of the link containing the bill, the short message sending is identified to the mobile communication；Obtain touching to the bill link in the short message Hair operation；Bank application is logged according to the trigger action, exists in the bank application page prompts and does not complete bill Information；Obtain and the payment instruction of bill information do not completed to this, according to the payment instruction by bill information generate bank paying with Card.

Figure 10 is the application scenarios configuration diagram of bill payment method in another embodiment.As shown in Figure 10, should answer Include Online Store's server, bill central server, bank server, payer terminal and beneficiary terminal with scene. Online Store front end, bill hub head end, bank account front end are shown in payer terminal and beneficiary terminal.Before Online Store End refers to that website is presented on the part on foreground.Bill hub head end refers to that bill center is presented on the part on foreground.Bank account Front end refers to that bank account system is presented on the part on foreground.

Merchandise news, sequence information, pay status, operation button and operation pages etc. are presented in Online Store front end.In advance Payment interface is installed in Online Store and the page is presented, and is docked to the data-interface at bill center.Online Store's server life Into sequence information.

Bill central server obtains paying party information, beneficiary information and sequence information generation bill information, foundation pair Account book, bill information is sent to bank server, pay status information, monitoring and veritification are provided to Online Store's server Thaw.Account information is presented in account hub head end, mainly has bill management and user management two parts, bill management includes bill Presentation of information, such as the affiliated Online Store's platform identification of bill, owning user mark, order note identification, payment, bill sequence Number, state, the means of payment (bank account) etc..All kinds of bills (the state to be confirmed, of user management including user contact details Acknowledgement state), the red packet information (sent out, received, available balance) under the contact method, acquiescence under the contact method confirm canal Road (acquiescence bank, default application, red packet remaining sum) etc..The bill mode that bill central server obtains paying party includes： When reception comes from online commodity platform bill for the first time；When push includes the short message of bill URL；Feed back to net During the encryption URL of upper shop platform；Any one in phone number is obtained from bank application entrance.Account Single centre server also obtains Online Store's platform information, and Online Store's platform information includes platform access way, platform is received Money account, platform communication signature, platform domain name, the bill of platform under one's name etc..

Bank server statement information is veritified, and core opens silver letter card, the side's of suspending payment account, defrosting paying party account The value data that freezes, transfer accounts.Bank account front end includes bill central inlet, the payment affirmation page is presented, including silver letter Card, operation button and operation pages etc..

Figure 11 is the application scenarios timing diagram of the bill payment method in Figure 10.As shown in Figure 10, the bill payment method Implementation process include：

Step 1101, payer terminal logs in Online Store front end, in Online Store's front end free choice of goods information, and will choosing Purchase merchandise news uploads to Online Store's server.

Step 1102, Online Store's server obtains the mobile communication mark of user.

Payer terminal obtains user and clicks on book keeping operation payment in Online Store, and shop server obtains user and reserved from network Book keeping operation phone number, display allow user confirm either prompt user input book keeping operation phone number or user's edit-modify note Account code.

Step 1103, mobile communication mark and sequence information are sent to bill central server by Online Store's server.

Step 1104, bill central server generation bill page link, and Online Store's server is returned to, bill page Face link prompting trading order form has been kept accounts, and shows the bill entrance.

Step 1105, bill central server judges that mobile communication is identified whether to be new, if it is not, then at bill center The bank that front end shows bill and prompts selection to pay, if so, then prompting user is associated bank.

Step 1106, after bill central server obtains the bank that user selects payment, paying party information and receipts are got Money side's information, bill information is generated according to paying party information, beneficiary information and sequence information.

Step 1107, bill information is sent to paying party bank server by bill central server.

Step 1108, after paying party bank server statement information is veritified, being sent by communication identifier has bill The prompting message of information is to paying party.

Specifically, bill link is generated, the communication identifier short message sending that bill links to paying party will be included.

Step 1109, after payer terminal receives prompting message, the trigger action to prompting message is obtained.

Step 1110, payer terminal obtains paying party and logs in bank application, and enters the bill page, and is paying Kuan Fang banks front end views unfinished bill information, obtains the payment instruction that bill information is not completed to this.

Payer terminal obtains paying party and logs in bank application, into the bill management of bank application, bank Application program judges whether associated mobile communication mark, if it is not, then prompting user moves the association of communication identifier, if It is bill information then to be obtained from bill management according to mobile communication mark, and carry out in the bill page of bank application Present, user can check all kinds of bills, and user clicks on bill to be confirmed and confirmed.Payer terminal is in bank application The payment instruction to not completing bill information is obtained, payment instruction is sent to bank, silver letter card is opened in application.

Step 1111, paying party bank server will freeze to be equal with payment according to payment instruction in paying party account Value data.

Paying party bank server carries out authentication to paying party, after being verified, generates bank paying voucher, i.e., silver-colored Letter card.The value data that is equal with payment will be freezed according to bank paying voucher in paying party account.

Step 1112, paying party bank server is sent to bill central server by notice is successfully freezed.

Step 1113, pay status is fed back to Online Store's server by bill central server.

Step 1114, Online Store's server receives pay successfully after, to beneficiary terminal send shipping order.

Step 1115, bill central server detects that satisfaction solution pays condition, and advice and pay side's bank server is to freezing Value data thawed.

Step 1116, paying party bank server thaws to the value data freezed in paying party account, will thaw Value data be transferred in the beneficiary account in beneficiary bank server.

Step 1117, beneficiary bank server notifies the beneficiary terminal amount of money to account.

Sequence information is sent to bill central server by above-mentioned bill payment method, Online Store's server, in bill Central server generates bill information according to sequence information, and bill information is sent into bank server, and bank server is by bill Information, to paying party, and is obtained paying party and logs in bank front end and carry out payment affirmation with short message sending, realize sequence information and The separated processing of bill information, bank paying voucher is generated according to bill information, paid according to bank paying voucher, is paid When value data is frozen in paying party account, detect meet solution pay condition when, value data is transferred to beneficiary account In family, the transfer process of whole value data is existed only in paying party account and beneficiary account, without passing through the 3rd Square account, the safety of value data is ensure that, also prevent paying party information and beneficiary information is leaked by third party.

It should be noted that silver letter card refer to bank according to needed for being freezed the application of opener number fund and open, and Promise to undertake the electronic certificate for being handled according to agreement solution pair condition and paying and calculating.Opener applies for Pay Bill to bank, generates silver letter Card.

The user of the free choice of goods and paying party can be same people or different people.

Bill central server is sent to bank server after bill information is encrypted.The cipher mode used can be numeral Envelope.Digital envelope is that the information transmitted to needs uses symmetric cryptographic key enciphered method, but key is not arranged first by both party, and It is to be randomly generated before encryption by sender.The key randomly generated with this is encrypted, and then receives this to this key The public key encryption of side.After recipient receives data, decrypted with the private key of oneself, open digital envelope, taking-up randomly generates Symmetric key, the ciphertext that is received is decrypted again with this symmetric key, then decryption is completed.Bill central server takes to bank The data that device is sent of being engaged in use the public key encryption of bank, bank server to be decrypted after receiving with the private key of bank oneself, other people The private key of bank can not be obtained, it is ensured that Information Security.

Data veritification is carried out by digital digest and digital signature technology.Digital digest is mainly to be transmitted with algorithm Data carry out computing generation informative abstract, that is, produce the numeral " fingerprint " of information, in order to ensure that data are not changed Or change, send caused informative abstract to recipient together with initial data, recipient is with the digital digest inspection data Whether changed in transmit process.Digital signature is used to ensure integrality in message transmitting procedure, provides information transmitter Authentication and non repudiation.With the private key of sender to the digital digest generated after HASH algorithm process initial data Encryption, is attached in initial data, generates digital signature.In payment process, dual signature technology can also be used to realize, used Hash function pairs sequence information and payment information carry out hashing, respectively obtain the eap-message digest and payment information of sequence information Eap-message digest.Two eap-message digests are connected and carry out hashing with Hash functions again, order messages is got paid and plucks Will.With private key encryption pay invoice eap-message digest, then the information by dual signature is obtained.

Figure 12 is the structured flowchart of bill paying device in one embodiment.As shown in figure 12, a kind of bill paying device, Including order generation module 1202, bill generation module 1204, evidence for payment generation module 1206 and shift module 1208.Its In：

Order generation module 1202, in commodity server, for obtaining merchandise news selected by user, and according to the business Product information generates sequence information；

Bill generation module 1204, positioned at bill central server, for obtaining paying party information and beneficiary information, root Bill information is generated according to the paying party information, beneficiary information and sequence information；

Evidence for payment generation module 1206, positioned at bank server, for getting the confirmation branch to the bill information Fu Hou, bank paying voucher is generated according to the bill information, is paid according to the confirmation and the paying party account is freezed and the payment The equivalent value data of the amount of money；

Shift module 1208, positioned at bill central server, when meeting solution pair condition for detecting, transmitting bank's service Device is thawed to the value data freezed in the paying party account, and the value data is transferred in the beneficiary account.

Above-mentioned bill paying device, by the way that sequence information and bill information are separately handled, and generated according to bill information Bank paying voucher, paid according to bank paying voucher, value data is frozen in paying party account during payment, detected To when meeting solution pair condition, value data is transferred in beneficiary account, the transfer process of whole value data exists only in In paying party account and beneficiary account, without passing through third party's account, the safety of value data is ensure that, also prevent Paying party information and beneficiary information are leaked by third party.

In one embodiment, the submitted payment of the silver letter card payment of the acquisition of bill generation module 1204 user selection please Ask, asked to return to the payment page to user according to the payment, obtain the paying party information that user inputs in the payment page；From net Upper shop obtains beneficiary information；Order note identification and payment are obtained from the sequence information；According to the paying party information, receive Money side's information, order note identification and payment generation bill information.

In one embodiment, the paying party information includes paying party communication identifier or paying party account, beneficiary letter Breath includes beneficiary communication identifier or beneficiary account；

Bill generation module 1204 is additionally operable to obtain order note identification and payment from the sequence information, according to paying party Communication identifier obtains the paying party account with the binding of paying party communication identifier, and obtains and receive according to the beneficiary communication identifier The beneficiary account of money side's communication identifier binding, and according to the paying party account, beneficiary account, order note identification and payment Generate bill information.

In one embodiment, the bill information is sent to the bank pair selected by paying party by bill generation module 1204 The bank server answered；After detecting that paying party logs in Net silver or bank application, in the Net silver page or Bank application journey Sequence page prompts, which exist, does not complete bill information；The payment instruction that bill information is not completed to this is obtained, according to the payment instruction Bill information is generated into bank paying voucher.

In one embodiment, bill generation module 1204 obtains user and logs in bill central server, at bill center Server prompts, which exist, does not complete bill information；Obtain the payment instruction that user does not complete bill information to this；According to the payment Instruct bank server corresponding to the bank that the bill information is sent to selected by paying party.

In one embodiment, bill generation module 1204 obtains the mobile communication mark of user, by the mobile communication mark Know and sequence information is sent to bill central server；Receive and show the bill page chain of bill central server generation Connect；Judge that the mobile communication is identified whether to be new, if so, then prompting selection draw bank, if it is not, then prompting is associated silver OK；Selected bank is obtained, obtains paying party information；Obtain beneficiary information；According to the paying party information, beneficiary information Bill information is generated with sequence information.

Evidence for payment generation module 1206 is used for silver corresponding to bank that the bill information is sent to selected by paying party Row server；After being verified by bank server to the bill information, generation bill link, and generate and include the bill chain The short message connect, the short message sending is identified to the mobile communication；Obtain the trigger action linked to the bill in the short message；According to The trigger action logs in bank application, exists in the bank application page prompts and does not complete bill information；Acquisition pair This does not complete the payment instruction of bill information, and bill information is generated into bank paying voucher according to the payment instruction.

In one embodiment, evidence for payment generation module 1206 parses from the bill information gets paid the amount of money, receives Money side's accounts information and paying party accounts information；Judge whether remaining sum is more than the payment in paying party account, if so, then giving birth to Into bank paying voucher, if it is not, then balance amount prompting deficiency.

In one embodiment, above-mentioned bill payment device also includes judge module.

Judge module is used to judge whether the confirmation payment instruction for receiving user's submission within the default time limit.

If shift module 1208 is additionally operable to receive the confirmation payment instruction of user's submission within the default time limit, notify to this The value data freezed in paying party account is thawed, and the value data is transferred to the beneficiary account in the bill information In family；And if do not receive the confirmation payment instruction of user's submission within the default time limit, detect whether to exceed the default time limit, if More than the default time limit, then notice is thawed to the value data freezed in the paying party account, and the value data is shifted Into the beneficiary account in the bill information.

Figure 13 is the structured flowchart of bill payment system in one embodiment.As shown in figure 13, a kind of bill payment system, Including commodity subsystem, bill center subsystem, bank subsystem；The commodity subsystem, bill center subsystem, bank's subsystem System includes bank client and bank server；Wherein, commodity subsystem includes commodity server 1302, bill center subsystem Including bill central server 1304, bank subsystem includes bank server 1306.

The commodity server 1302 is used to obtain merchandise news selected by user, and generates order letter according to the merchandise news Breath, and paying party information and beneficiary information are obtained, the sequence information, paying party communication identifier and beneficiary information are sent to The bill central server；

The bill central server 1304 is used to generate bill according to the paying party information, beneficiary information and sequence information Information, the bill information is sent to the paying party bank server；

The bank server 1306 is used for after getting the confirmation to the bill information and paying, and is given birth to according to the bill information Into bank paying voucher, the value data for freezing to be equal with the payment to the paying party account according to confirmation payment；

When the bill central server 1304 is additionally operable to detect that meeting solution pays condition, notify that the bank server 1306 is right The value data freezed is thawed, and the value data is transferred in the beneficiary account.

In one embodiment, the paying party information includes paying party communication identifier or paying party account, beneficiary letter Breath includes beneficiary communication identifier；

The bill central server obtains order note identification and payment from the sequence information, is communicated and marked according to paying party Know the paying party account obtained with the binding of paying party communication identifier, and obtained according to the beneficiary communication identifier and led to beneficiary Beacon knows the beneficiary account of binding, and generates account according to the paying party account, beneficiary account, order note identification and payment Single information；

In one embodiment, the paying party information includes paying party communication identifier, and beneficiary information is led to including beneficiary Beacon knows or beneficiary account；

The bill central server obtains order note identification and payment from the sequence information, is communicated and marked according to paying party Know the paying party account obtained with the binding of paying party communication identifier, and obtained according to the beneficiary communication identifier and led to beneficiary Beacon knows the beneficiary account of binding, and generates account according to the paying party account, beneficiary account, order note identification and payment Single information.

The payment request that the means of payment that the bill central server 1304 obtains user's selection is submitted, according to the payment Ask to return to user and pay the page, and obtain the paying party information that user inputs in the payment page, shop obtains from network Beneficiary information, order note identification and payment are obtained from the sequence information, according to the paying party information, beneficiary information, Order note identification and payment generation bill information, the paying party bank server is sent to by the bill information；

The means of payment can be that silver letter card is paid.

The paying party bank server 1306 detects paying party bank client (logging in Net silver or bank application) Afterwards, exist in the Net silver page or bank application page prompts and do not complete bill information, obtain and bill letter is not completed to this The payment instruction of breath, bill information is generated by bank paying voucher according to the payment instruction；

Or the bill central server 1304 obtains the payment request that the means of payment of paying party selection is submitted, root Ask to return to paying party according to the payment and pay the page, and obtain the paying party information that paying party inputs in the payment page, from Online Store obtains beneficiary information, and order note identification and payment are obtained from the sequence information, according to the paying party information, Beneficiary information, order note identification and payment generation bill information, obtain user and log in bill central server, in bill Central server prompting, which exists, does not complete bill information, the payment instruction that paying party does not complete bill information to this is obtained, according to this The bill information is sent to the bank server 1306 by payment instruction.

In one embodiment, commodity server 1302 obtains the mobile communication mark of paying party, and mobile communication is identified Bill central server 1304 is sent to sequence information, receives and show the bill page that bill central server 1304 generates Link.

Bill central server 1304 is additionally operable to judge that the mobile communication is identified whether to be new, if it is not, then prompting selection Draw bank, if so, then prompting is associated bank, selected bank is obtained, obtains paying party information, obtain beneficiary letter Breath, bill information is generated according to the paying party information, beneficiary information and sequence information.Bill central server 1304 is by the account Single information is sent to bank server 1306 corresponding to bank selected by paying party.

After bank server 1306 is verified to the bill information, generation bill link, and generate and include the bill chain The short message connect, the short message sending is identified to the mobile communication；Obtain the trigger action linked to the bill in the short message；According to The trigger action logs in bank application, exists in the bank application page prompts and does not complete bill information.

Bank server 1306 obtains the payment instruction that bill information is not completed to this, is believed bill according to the payment instruction Breath generation bank paying voucher.

One of ordinary skill in the art will appreciate that realize all or part of flow in above-described embodiment method, being can be with The hardware of correlation is instructed to complete by computer program, described program can be stored in a non-volatile computer and can be read In storage medium, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, described storage is situated between Matter can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) etc..

Embodiment described above only expresses the several embodiments of the present invention, and its description is more specific and detailed, but simultaneously Therefore the limitation to the scope of the claims of the present invention can not be interpreted as.It should be pointed out that for one of ordinary skill in the art For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the guarantor of the present invention Protect scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.

Claims

A kind of 1. bill payment method, it is characterised in that comprise the following steps：

Commodity server obtains merchandise news selected by user, and generates sequence information according to the merchandise news, and obtains payment Square information and beneficiary information；

Bill central server generates bill information according to the paying party information, beneficiary information and sequence information；

Bank server generates bank paying after getting the confirmation to the bill information and paying, according to the bill information Voucher, and confirm that payment is freezed and the payment in the bill information to the paying party account in the bill information according to described The equivalent value data of the amount of money；

When bill central server detects that meeting solution pays condition, transmitting bank's server is to freezing in the paying party account Value data is thawed, and the value data is transferred in the beneficiary account in the bill information.
2. bill payment method according to claim 1, it is characterised in that the paying party information communicates including paying party Mark or paying party account, the beneficiary information include beneficiary communication identifier or paying party account；

The bill central server generates the step of bill information according to the paying party information, beneficiary information and sequence information Suddenly include：

Bill central server obtains order note identification and payment from the sequence information；

Bill central server obtains the paying party account bound with paying party communication identifier according to the paying party communication identifier, And/or the beneficiary account bound with beneficiary communication identifier is obtained according to the beneficiary communication identifier；

Bill central server generates bill letter according to the paying party account, beneficiary account, order note identification and payment Breath.
3. bill payment method according to claim 1, it is characterised in that in the bill central server according to After the step of paying party information, beneficiary information and sequence information generation bill information, methods described also includes：

Bank server corresponding to the bank that the bill information is sent to selected by paying party by the bill central server；

Bank client is got to not completing the payment instruction of bill information, and payment instruction is sent into bank server；

Bill information is generated bank paying voucher by the bank server according to the payment instruction.
4. bill payment method according to claim 1, it is characterised in that in the bill central server according to After the step of paying party information, beneficiary information and sequence information generation bill information, methods described also includes：

Bill center customer end obtains payment instruction of the paying party to the unfinished bill information, and the payment instruction is sent out Give bill central server；

The bill central server bill information is sent to by paying party according to the payment instruction selected by bank Corresponding bank server；

Bill information is generated bank paying voucher by the bank server according to the payment instruction.
5. bill payment method according to claim 2, it is characterised in that methods described also includes：

Bill central server judges the whether relevant bank of the paying party communication identifier, if it is not, then present the bill for payment side selects Draw bank, if so, then obtaining the correspondent bank of paying party；

Bill center customer end obtains the draw bank selected by paying party or obtains the correspondent bank of paying party, obtains paying party Account, the paying party account is sent to bill central server；

Bill information is generated according to the paying party information, beneficiary information and sequence information in the bill central server After step, methods described also includes：

The bill information is sent to draw bank or correspondent bank pair selected by paying party by the bill central server The bank server answered；

After the bank server is verified to the bill information, generation bill link, and generate and include the bill chain The message connect, the message is sent to user terminal by the paying party communication identifier；

The bank server obtains the payment instruction to not completing bill information corresponding to bill link, according to the branch Pay instruction and bill information is generated into bank paying voucher.
6. bill payment method according to any one of claim 1 to 5, it is characterised in that the bill information includes Order note identification, time limit of payment, paying party information, beneficiary information and payment.
A kind of 7. bill paying device, it is characterised in that including：

Order generation module, positioned at commodity server, given birth to for obtaining merchandise news selected by user, and according to the merchandise news Into sequence information；

Bill generation module, positioned at bill central server, for obtaining paying party information and beneficiary information, according to described pair Money side's information, beneficiary information and sequence information generation bill information；

Evidence for payment generation module, positioned at bank server, for after getting the confirmation to the bill information and paying, root Bank paying voucher is generated according to the bill information, and confirms to pay to the paying party account in the bill information according to described Freeze the value data being equal with the payment in the bill information；

Shift module, positioned at bill central server, when meeting solution pair condition for detecting, transmitting bank's server is to described The value data freezed in paying party account is thawed, and the value data is transferred into the gathering in the bill information In square account.
8. bill paying device according to claim 7, it is characterised in that the paying party information communicates including paying party Mark or paying party account, the beneficiary information include beneficiary communication identifier or beneficiary account；

The bill generation module is additionally operable to obtain order note identification and payment from the sequence information, is led to according to paying party Beacon know obtain with paying party communication identifier binding paying party account, and/or according to the beneficiary communication identifier obtain with The beneficiary account of beneficiary communication identifier binding, and according to the paying party account, beneficiary account, order note identification and payment The amount of money generates bill information.
9. a kind of bill payment system, it is characterised in that including commodity subsystem, bill center subsystem, bank subsystem；Institute Stating commodity subsystem includes commodity client and commodity server, and the bill center subsystem includes bill central server, The bank subsystem includes bank server；

The commodity server is used to obtain merchandise news selected by commodity client, and generates order letter according to the merchandise news Breath, and paying party information and beneficiary information are obtained, the sequence information, paying party information and beneficiary information are sent to institute State bill central server；

The bill central server is used to generate bill letter according to the paying party information, beneficiary information and sequence information Breath, the bank server is sent to by the bill information；

The bank server is used for after getting the confirmation to the bill information and paying, and is generated according to the bill information Bank paying voucher, according to it is described confirm pay the paying party account in the bill information is freezed with the bill information The equivalent value data of payment；

When the bill central server is additionally operable to detect that meeting solution pays condition, notify the bank server to paying party account The value data freezed in family is thawed, and the value data is transferred in the bill information in beneficiary account.
10. bill payment system according to claim 9, it is characterised in that

The paying party information includes paying party communication identifier or paying party account, and the beneficiary information communicates including beneficiary Mark or beneficiary account；

The bill central server obtains order note identification and payment from the sequence information, is communicated and marked according to paying party Know the paying party account obtained with the binding of paying party communication identifier, and/or obtain and collect money according to the beneficiary communication identifier The beneficiary account of square communication identifier binding, and according to the paying party account, beneficiary account, order note identification and payment Generate bill information.