CN109360081A - A kind of electric paying method and system - Google Patents
A kind of electric paying method and system Download PDFInfo
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- CN109360081A CN109360081A CN201810968033.3A CN201810968033A CN109360081A CN 109360081 A CN109360081 A CN 109360081A CN 201810968033 A CN201810968033 A CN 201810968033A CN 109360081 A CN109360081 A CN 109360081A
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- Prior art keywords
- debit
- payment
- information
- intermediary
- interface
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
Abstract
This application provides a kind of electric paying method and systems.The described method includes: debit end sends payment request information to intermediary end, wherein the payment request information includes the mark of the mark at the debit end, the mark of capital and third payment terminals, and the debit end is the terminal of target customer；The intermediary end obtains amount payable and interface message according to the payment request information, and the amount payable and interface message are sent to Third-party payment end, wherein, the amount payable is the amount of money that the target customer need to return capital, and the interface message is the information that the target customer refunds to the interface of capital；The Third-party payment end generates Third-party payment interface according to the amount payable and interface message, and provides the Third-party payment interface to the debit end；The debit end is paid by the Third-party payment interface, and the Third-party payment end sends the payment result information at the debit end to intermediary end.
Description
Technical field
The present invention relates to computer field more particularly to a kind of electric paying method and systems
Background technique
Personal consumption loan refers to the RMB for having specified consumer applications that bank and other financial mechanism is provided to individual client
Loan transaction, purposes mainly have the consumer personal loans such as personal house, automobile, general loans for supporting students.In China, accelerate development
Consumer credit, which is given, pulls domestic demand, the great great expectations for the rise that stimulates the economy and China's Financial mechanism to put forth effort to develop
One of increase profit growth point.Currently, loan transaction is spread to gradually with the continuous development of bank and financial industry
In the daily life of broad masses of the people, all kinds of finance companies also gradually appear among the sight of people.
After finance company offers a loan to borrower, the refund channel of borrower is less, generally collect family withhold and
Money is actively beaten to collecting family both of which.But part capital does not support that collecting family withholds mode, borrower can only pass through actively
It beats money and carries out refund operation to family is collected.
Summary of the invention
This application provides a kind of electric paying method and systems, can increase refund channel, improve refund rate.
In a first aspect, providing a kind of electric paying method, include the following steps:
Debit end sends payment request information to intermediary end, wherein the payment request information includes the debit end
The mark of mark, the mark of capital and third payment terminals, the debit end are the terminal of target customer；
The intermediary end obtains amount payable and interface message according to the payment request information, and by the amount payable
And interface message is sent to Third-party payment end, wherein the amount payable is the amount of money that the target customer need to return capital,
The interface message is the information that the target customer refunds to the interface of capital；
The Third-party payment end generates Third-party payment interface according to the amount payable and interface message, and to described
Debit end provides the Third-party payment interface；
The debit end is paid by the Third-party payment interface, and the Third-party payment end sends the debit
The payment result information at end is to intermediary end.
Optionally, before debit end sends payment request information to intermediary end, the method also includes: intermediary end provides
The payment page gives debit end, wherein the payment page inputs the mark at the debit end, the mark of capital for target customer
And the mark of third payment terminals, the payment page is sent in the collection short message at the debit end by the intermediary end
Payment link triggering.
Optionally, the intermediary end provides the payment page and specifically includes to debit end:
Based on contract information filters out the target customer from database at the intermediary end；
The intermediary end sends the collection short message to the corresponding debit end of the target customer.
Optionally, the target customer meets one or more of the following conditions: bill day is overdue, last repayment date
To not paying off next bill day, minimum amount to pay, not overdue but prompting client account balance of refunding is insufficient and investigates more than risk
Index.
Optionally, the contract information includes: the essential information of the target customer, account information, contract information, refund
Information, by stages information and credit scoring situation.
Optionally, the intermediary end obtains amount payable according to the payment request information and interface message includes:
The intermediary end obtains the contract information at the debit end according to the payment request information in the server, according to
The contract information calculates the bill and account receivable of the capital, and generates amount payable according to preset point of account priority policy
And interface message.
Optionally, the intermediary end is believed according to the contract that the payment request information obtains the debit end in the server
Breath specifically includes:
The intermediary end sends prompt information to the debit end, and the prompt information is for prompting input authentication information；
The intermediary end receives the authentication information that the debit end is sent；
In the case where the authentication information is verified, obtained from the server according to the authentication information described in
The contract information at debit end.
Optionally, after the payment result information to intermediary end that the Third-party payment end sends the debit end, institute
The method of stating further includes one or more of following:
The intermediary end updates the advance deposit and repayment schedule of the target customer；
The intermediary end to capital or loan platform send the target customer active refund record, payment information and
Credit scoring situation.
Second aspect provides a kind of electronic fare payment system, comprising: including debit end, intermediary end and Third-party payment
End；The debit end is for sending payment request information to intermediary end, wherein the payment request information includes the mark at debit end
The mark of knowledge, the mark of capital and third payment terminals, the debit end are the terminal of target customer；
The intermediary end is used to obtain amount payable and interface message according to the payment request information, and deals with described
The amount of money and interface message are sent to Third-party payment end；Wherein, the amount payable is the amount of money that the debit need to return capital,
The interface message is the information that the debit refunds to the interface of capital；
The Third-party payment end is used for according to the amount payable and interface message generation Third-party payment interface, and to
The debit end provides the Third-party payment interface；
The debit end is also used to pay by the Third-party payment interface；
The Third-party payment end is also used to send the payment result information at the debit end to intermediary end.
Optionally, the intermediary end is also used to before the debit end sends payment request information to intermediary end, is provided
The payment page gives debit end, wherein the payment page inputs the mark at the debit end, the mark of capital for target customer
And the mark of third payment terminals, the payment page is sent in the collection short message at the debit end by the intermediary end
Payment link triggering.
Optionally, the intermediary end filters out the target customer specifically for based on contract information from database, to
Target customer's corresponding debit end transmission collection short message.
Optionally, the target customer meets one or more of the following conditions: bill day is overdue, last repayment date
To not paying off next bill day, minimum amount to pay, not overdue but prompting client account balance of refunding is insufficient and investigates more than risk
Index.
Optionally, the contract information includes: the essential information of the target customer, account information, contract information, refund
Information, by stages information and credit scoring situation.
Optionally, the intermediary end is specifically used for obtaining the debit end in the server according to the payment request information
Contract information, the bill and account receivable of the capital is calculated according to the contract information, and according to preset point of account priority
Strategy generating amount payable and interface message.
Optionally, the intermediary end is also used to send prompt information to the debit end, and the prompt information is for prompting
Input authentication information；
The intermediary end is also used to receive the authentication information that the debit end is sent；
The intermediary end is also used in the case where the authentication information is verified, according to the authentication information from described
The contract information at the debit end is obtained in server.
Optionally, the intermediary end is also used to execute one of following or a variety of:
Update the advance deposit and repayment schedule of the target customer；
Active refund record, payment information and the credit scoring feelings of the target customer are sent to capital or loan platform
Condition.
Through the above scheme, debit end sends payment request information to intermediary end, and the intermediary end is asked according to the payment
Acquisition of information amount payable and interface message are asked, and the amount payable and interface message are sent to Third-party payment end, institute
It states Third-party payment end and Third-party payment interface is generated according to the amount payable and interface message, and provided to the debit end
The Third-party payment interface；The debit end is paid by the Third-party payment interface.Through the above scheme, can
Increase more refund channels, people offers convenience for refund, is conducive to improve returned money rate.
Detailed description of the invention
Fig. 1 is a kind of flow chart of electric paying method provided by the present application；
Fig. 2 a is a kind of configuration diagram of electronic fare payment system provided by the present application；
Fig. 2 b is a kind of electronic fare payment system refund flow chart provided by the present application.
Fig. 3 is a kind of structural schematic diagram of electronic fare payment system provided by the present application.
Specific embodiment
Below by specific embodiment combination attached drawing, invention is further described in detail.In the following embodiments and the accompanying drawings
In, many datail descriptions are in order to enable the application can be better understood.However, those skilled in the art can be without lifting an eyebrow
Recognize, part of feature is dispensed in varied situations, or can be substituted by other methods.Certain
In the case of, the relevant some operations of the application are there is no display in the description or describe, this is the core in order to avoid the application
Center portion point is flooded by excessive description.To those skilled in the art, be described in detail these relevant operations be not must
It wants, they can completely understand relevant operation according to the general technology knowledge of description and this field in specification.
The electric paying method and system of the present embodiment can be used in financing corporation, the point-to-point loan platform of internet finance
The company of debt-credit operation may be implemented in (Person-to-Person, P2P), auto financing company or guarantee corporation etc., herein not
Make specific limit.
It is a kind of flow diagram of electric paying method provided by the present application referring to Fig. 1, Fig. 1.As shown in Figure 1, this reality
Apply the electric paying method of example specifically includes the following steps:
S101: debit end sends payment request information to intermediary end.
In the embodiment of the present application, debit end can be the terminal of target customer.Wherein, the terminal can be fixed whole
End, is also possible to mobile terminal.When the terminal is fixed terminal, the terminal can be ATM (Automatic
Teller Machine, ATM) machine etc.；When the terminal be mobile terminal when, the terminal can be mobile phone, tablet computer,
Laptop etc..It should be understood that the example of above-mentioned terminal is only used for illustrating, specific restriction should not be constituted.
In the embodiment of the present application, target customer refers to the client for meeting one or more of the following conditions: account
Odd-numbered day is overdue, last repayment date is not to paying off minimum amount to pay, not overdue but refund and remind client account balance next bill day
It is insufficient and be more than that risk investigates index.It should be understood that the example of above-mentioned condition is only used for illustrating, specific limit should not be constituted
It is fixed.
In the embodiment of the present application, intermediary end can be the client of financing corporation.Wherein, financing corporation is capital and loan
Intermediate bridge between side, for example, P2P platform etc..
In the embodiment of the present application, before debit end sends payment request information to intermediary end, intermediary end can provide branch
It pays the page and gives debit end.Wherein, the payment page is the branch being sent in the collection short message at the debit end by the intermediary end
Page link triggering is paid, inputs the mark at the debit end, the mark of third payment terminals and capital for target customer
Mark.It is understood that the collection short message is that based on contract information filters out the target visitor from database at intermediary end
Behind family, sent to the corresponding debit end of the target customer.Wherein, contract information includes: the basic letter of the target customer
Breath, account information, contract information, refund information, by stages information and credit scoring situation.
In the embodiment of the present application, payment request information includes the mark at debit end, the mark and money of third payment terminals
The mark of side.It is understood that the mark of the mark at debit end, the mark of third payment terminals and capital can be disposably together
When obtain, be also possible to repeatedly to obtain.Such as: debit end sends the mark at debit end to intermediary end for the first time, for the second time
The mark of capital is sent to intermediary end, sends the mark at Third-party payment end to intermediary end for the third time.Debit's termination receives intermediary
After holding the collection short message sent, the payment link for including in collection short message is clicked, to open the payment page, and in the payment page
Middle prompt input refund people name and ID card No. etc. information is to verify.The case where authentication information is verified
Under, debit end sends debit end and identifies to intermediary end.Intermediary end identifies according to the debit end and obtains debit end from server
Corresponding contract information finds out debit end one or more capitals accordingly, one or more of capitals is sent to debit
End obtains debit end and executes capital's mark that this refund operates some capital of selection, identified according to the capital from clothes
All Third-party payment channel informations of the capital are obtained in business device, and send branch debit end, debit end is obtained and executes this
The mark at some Third-party payment end of refund operation.
In the embodiment of the present application, debit end can by it is wired or wirelessly send payment request information into
Jie end.In the embodiment of the present application, debit end can be by wired or wirelessly send payment request information to intermediary
End.Wherein, wirelessly include general packet radio service technology (General Packet Radio Service,
GPRS), WLAN (Wireless Local Area Networks, WLAN), purple honeybee (ZigBee), bluetooth
(Bluetooth), near-field communication (Near Field Communication, NFC) etc., wired mode includes cable, copper
Line, RS232, RS458 etc..It should be understood that the citing of above-mentioned communication modes is only used for being illustrated, specific limit should not be constituted
It is fixed.
S102: intermediary end obtains amount payable and interface message according to the payment request information, and deals with gold for described
Volume and interface message are sent to Third-party payment end.
In the embodiment of the present application, amount payable refers to that target customer need to return the amount of money of capital, wherein amount payable
It can be the amount of money that target customer this installment reimbursement is dealt with, be also possible to the amount of money disposably all refunded.
In the embodiment of the present application, interface message refers to the information that target customer refunds to the interface of capital.
In the embodiment of the present application, intermediary end is obtained in the server according to the payment request information sent from debit end
The corresponding contract information in debit end is taken, the bill and account receivable of capital is calculated according to the contract information, and according to preset point
Account priority policy generates amount payable and interface message.It is understood that dividing account priority policy by intermediary end according to public affairs
The setting of department's demand, such as: it is preferential that insurance company's interface is provided, secondly capital's interface is provided, intermediary end is finally provided and deducts formality
The interface taken.
S103: Third-party payment end generates Third-party payment interface according to the amount payable and interface message, and to institute
It states debit end and the Third-party payment interface is provided.
In the embodiment of the present application, Third-party payment end may is that Alipay, wechat, bank card or other can be used for
The Third-party payment platform of payment.
In the embodiment of the present application, Third-party payment end, which provides Third-party payment interface to debit end, may is that third party
Payment terminals show the payment page shows this order to debit end after whether the account and password of verification client's input are legal
Amount payable and third party's name on account of capital.
S104: the debit end is paid by the Third-party payment interface, is borrowed described in the transmission of Third-party payment end
The payment result information of square end is to intermediary end.
In the embodiment of the present application, Third-party payment end send the payment result information at the debit end to intermediary end it
Afterwards, the advance deposit and repayment schedule of the target customer are updated.
In the embodiment of the present application, Third-party payment end send the payment result information at the debit end to intermediary end it
Afterwards, intermediary end sends active refund record, payment information and the credit scoring of the target customer to capital or loan platform
Situation.
It should be understood that the above method is only one of embodiment, in other examples, electric paying method may be used also
It is more or less to include the steps that, it is not especially limited herein.
In the above method, by the Third-party payment account that the repayment amount of target customer is directly transferred to corresponding capital
In, it solves part capital and does not support that collecting family withholds, refund people, which must actively beat money, leads to financing corporation's sorting to family is collected
Inconvenient problem, also increases more refund channels, and for refund, people offers convenience, and is conducive to improve returned money rate.
As shown in Figure 2 a, this application provides a kind of configuration diagrams of electronic fare payment system.This electronic fare payment system packet
It includes: debit end 110, intermediary end 120 and Third-party payment end 130.
For sending payment request information to intermediary end 120, payment request information includes the debit end at debit end 110
110 mark and the mark of capital, debit end 110 are the terminal of target customer, and target customer refers to meeting the following conditions
One or more of client: bill day is overdue, last repayment date is not to paying off minimum amount to pay, do not exceed next bill day
Phase but refund remind client account balance insufficient and are more than that risk investigates index.Wherein, terminal can be fixed terminal, can also
To be mobile terminal.When the terminal is fixed terminal, the terminal can be ATM machine etc.；When the terminal is movement
When terminal, the terminal can be mobile phone, tablet computer, laptop etc..It should be understood that the example of above-mentioned terminal is only
For illustrating, specific restriction should not be constituted.
Intermediary end 120 is used to obtain amount payable and interface message according to the payment request information, and deals with described
The amount of money and interface message are sent to Third-party payment end 130；Wherein, the amount payable is the gold that the debit need to return capital
Volume, the interface message are the information that the debit refunds to the interface of capital；In the embodiment of the present application, intermediary end can be
The client of financing corporation.Wherein, financing corporation is the intermediate bridge between capital and credit side, for example, P2P platform etc..
Third-party payment end 130 is used for according to the amount payable and interface message generation Third-party payment interface, and to
The debit end 110 provides the Third-party payment interface；Wherein, Third-party payment end can be Alipay, wechat, bank card
Or other can be used for the Third-party payment platform of payment.
Debit end 110 is also used to pay by the Third-party payment interface；
Third-party payment end 130 sends the payment result information at the debit end to intermediary end.
Scheme shown in Fig. 2 b be the framework shown in Fig. 2 a system in generate specific embodiment.As shown in Figure 2 b, this hair
Specifically refund process includes: a kind of electronic fare payment system of bright offer
S201: debit end sends payment request information to intermediary end.Wherein, debit end refers to the terminal of target customer,
It can be the terminal device that mobile phone, tablet computer or other network-connectables check the page.Target customer refers to meeting following
The client of one or more of condition: bill day is overdue, last repayment date to do not pay off next bill day minimum amount to pay,
Not overdue but prompting client account balance of refunding is insufficient and is more than that risk investigates index.
In the embodiment of the present application, before debit end sends payment request information to intermediary end, intermediary end can provide branch
It pays the page and gives debit end, the payment page inputs the debit end mark and the mark of capital for target customer.It can be with
Understand, the payment page can be user oneself and trigger from the intermediary end downloaded in advance accordingly refund client
, it is also possible to the payment link being sent in the collection short message at debit end by intermediary end triggering.The collection short message is
Based on contract information is sent out after filtering out the target customer in database to the corresponding debit end of the target customer at intermediary end
It send.Wherein, the contract information include: the essential information of the target customer, account information, contract information, refund information,
Information and credit scoring situation by stages.The content of collection short message may include the debt information of target customer, nearest repayment date
With the H5 link etc. comprising paying the page.
In the embodiment of the present application, payment request information includes the mark at debit end, the mark of capital and third payment
The mark at end.It is understood that the mark of the mark at debit end, the mark of third payment terminals and capital can be disposably together
When obtain, be also possible to repeatedly to obtain.
For example, intermediary end provides a user the page of validation information, Yong Hugen after user enters the refund payment page
User is filtered out from database after intermediary end is proved to be successful according to six, phone number after prompt information input name, identity card
Mutually in requisition for the capital of refund, it may be possible to one or multiple capitals, and own to what the offer of the user-pay page needed to refund
Capital, after user selects one of capital, intermediary end shows available Third-party payment channel (such as wechat, branch to user
Fu Bao, bank card etc.), user selects one such channel of disbursement, and intermediary end obtains all branch in debit end by above procedure
Pay solicited message.
In the embodiment of the present application, debit end can by it is wired or wirelessly send payment request information into
Jie end.It wherein, wirelessly include GPRS, WLAN, ZigBee, Bluetooth, NFC etc..Wired mode includes net
Line, copper wire, RS232, RS458 etc..It should be understood that the citing of above-mentioned communication modes is only used for being illustrated, should not constitute
It is specific to limit.
S202: intermediary end obtains amount payable and interface message according to payment request information.
In the embodiment of the present application, intermediary end is obtained in the server according to the payment request information sent from debit end
The corresponding contract information in debit end is taken, the bill and account receivable of capital is calculated according to the contract information, and according to preset point
Account priority policy generates amount payable and interface message.It is understood that dividing account priority policy by intermediary end according to public affairs
The setting of department's demand, such as: it is preferential that insurance company's interface is provided, secondly capital's interface is provided, intermediary end is finally provided and deducts formality
The interface taken.
In the embodiment of the present application, amount payable refers to that target customer need to return the amount of money of capital.Wherein, amount payable
It can be the amount of money that target customer this installment reimbursement is dealt with, be also possible to the amount of money disposably all refunded.
In the embodiment of the present application, interface message refers to the information that target customer refunds to the interface of capital.
In the embodiment of the present application, intermediary end is obtained in the server according to the payment request information sent from debit end
The corresponding contract information in debit end is taken, the bill and account receivable of capital is calculated according to the contract information, and according to preset point
Account priority policy generates amount payable and interface message.It is understood that dividing account priority policy by intermediary end according to public affairs
The setting of department's demand, such as: it is preferential that insurance company's interface is provided, secondly capital's interface is provided, intermediary end is finally provided and deducts formality
The interface taken.
S203: intermediary end sends amount payable and interface message to Third-party payment end.It wherein, can at Third-party payment end
To be: Alipay, wechat, bank card or other Third-party payment platforms that can be used for paying.
S204: Third-party payment end generates Third-party payment interface.It is understood that Third-party payment interface refers to
The Third-party payment interface of capital's account.
S205: Third-party payment end sends Third-party payment and is interfaced to debit end.
In the embodiment of the present application, Third-party payment end, which provides Third-party payment interface to debit end, may is that third party
Payment terminals show the payment page shows this order to debit end after whether the account and password of verification client's input are legal
Amount payable and third party's name on account of capital.
S206: debit end executes payment operation.
S207: debit end sends payment result information to Third-party payment end.
S208: Third-party payment end sends payment result information to intermediary end.
In the embodiment of the present application, Third-party payment end send the payment result information at the debit end to intermediary end it
Afterwards, the advance deposit and repayment schedule of the target customer are updated.
In the embodiment of the present application, Third-party payment end send the payment result information at the debit end to intermediary end it
Afterwards, intermediary end sends active refund record, payment information and the credit scoring of the target customer to capital or loan platform
Situation.
Through the above scheme, it assists sorting to capital by Third-party payment end the repayment amount of borrower, solves portion
Capital is divided not support that collecting family withholds, refund people, which must actively beat money, leads to the problem of financing corporation's sorting inconvenience to family is collected,
More refund channels are increased, people offers convenience for refund, is conducive to improve returned money rate.
Fig. 3 is a kind of structural schematic diagram of electronic fare payment system provided by the embodiments of the present application.As shown in figure 3, the application
Electronic fare payment system include: one or more debit ends, one or intermediary end and one or more Third-party payment
End, wherein debit end can be by wired or be wirelessly separately connected the intermediary end and the Third-party payment
End, the intermediary end can be by wired or wirelessly connect the Third-party payment end.
Debit end includes one or more processor 311, memory 312 and communication interface 313.Wherein, processor
311, it can be connected by bus 314 between memory 312 and communication interface 313.
Processor 311 includes one or more general processor, wherein general processor, which can be, is capable of handling electronics
Any kind of equipment of instruction, including it is central processing unit (Central Processing Unit, CPU), microprocessor, micro-
Controller, primary processor, controller and specific integrated circuit (Application Specific Integrated
Circuit, ASIC) etc..Processor 311 is able to carry out program or processing data, to execute method described herein at least
A part.
Memory 312 may include volatile memory, such as random access memory (Random Access
Mmemory,RAM)；Memory also may include nonvolatile memory, such as read-only memory (Read-Only Memory,
ROM), flash memory (Flash Memory), hard disk (Hard Disk Drive, HDD) or solid state hard disk (Solid-State
Drive, SSD), memory can also include the combination of the memory of mentioned kind.Memory 312 can be deposited using centralization
Storage can also use distributed storage, be not especially limited herein.
Communication interface 313 can be wireline interface (such as Ethernet interface) or wireless interface (such as cellular network interface
Or use wireless lan interfaces), for being communicated with other computer equipments or user.When communication interface 313 is wired
When interface, communication interface 313 can use network communication protocol (Transmission Control Protocol/Internet
Protocol, TCP/IP) on protocol suite, for example, remote function calls (Remote Function Call, RFC) agreement,
Simple Object Access Protocol (Simple Object Access Protocol, SOAP) agreement, Simple Network Management Protocol
(Simple Network Management Protocol, SNMP), Common Object Request Broker Architecture agreement (Common
Object Request BrokerArchitecture, CORBA) and distributed protocol etc..When communication interface 313 is nothing
It, can be according to global system for mobile communications (Global System for Mobile Communication, GSM) when line interface
Or CDMA (Code Division Multiple Access, CDMA) standard utilizes cellular communication, therefore including being used for
Radio modem, electronic processing equipment, one or more digital memory devices and the double antenna of data transmission.
Intermediary end includes one or more processor 321, memory 322 and communication interface 323.Wherein, processor
321, it can be connected by bus 324 between memory 322 and communication interface 323.
Processor 321 includes one or more general processor, wherein general processor, which can be, is capable of handling electronics
Any kind of equipment, including CPU, microprocessor, microcontroller, primary processor, controller and ASIC etc. of instruction.Processing
Device 321 is able to carry out program or processing data, to execute at least part of method described herein.In the implementation of the application
Example in, processor 321 execute memory 322 in software or firmware program may be implemented monitoring module, nucleus module and
Payment module, wherein monitoring module is mainly used for filtering out target customer, and nucleus module is mainly used for inquiring target customer's contract
Information calculates amount payable and generates capital's interface, and payment module is mainly used for executing relevant operation of payment etc..
Memory 322 may include volatile memory, such as RAM；Memory also may include nonvolatile memory,
Such as ROM, flash memory, HDD or SSD memory can also include the combination of the memory of mentioned kind.
Communication interface 323 can be wireline interface (such as Ethernet interface) or wireless interface (such as cellular network interface
Or use wireless lan interfaces), for being communicated with other computer equipments or user.When communication interface 323 is wired
When interface, communication interface 323 can using the protocol suite on TCP/IP, for example, RFC agreement, soap protocol, snmp protocol,
CORBA agreement and distributed protocol etc..It, can be according to GSM CDMA standard when communication interface 323 is wireless interface
It using cellular communication, therefore include the radio modem for data transmission, electronic processing equipment, one or more numbers
Memory devices and double antenna.
Third-party payment end includes one or more processor 331, memory 332 and communication interface 333.Wherein, locate
It can be connected by bus 334 between reason device 331, memory 332 and communication interface 333.
Processor 331 includes one or more general processor, wherein general processor, which can be, is capable of handling electronics
Any kind of equipment, including CPU, microprocessor, microcontroller, primary processor, controller and ASIC etc. of instruction.Processing
Device 331 is able to carry out program or processing data, to execute at least part of method described herein.
Memory 332 may include volatile memory, such as RAM；Memory also may include nonvolatile memory,
Such as ROM, flash memory, HDD or SSD memory can also include the combination of the memory of mentioned kind.
Communication interface 333 can be wireline interface (such as Ethernet interface) or wireless interface (such as cellular network interface
Or use wireless lan interfaces), for being communicated with other computer equipments or user.When communication interface 333 is wired
When interface, communication interface 333 can using the protocol suite on TCP/IP, for example, RFC agreement, soap protocol, snmp protocol,
CORBA agreement and distributed protocol etc..It, can be according to GSM CDMA standard when communication interface 323 is wireless interface
It using cellular communication, therefore include the radio modem for data transmission, electronic processing equipment, one or more numbers
Memory devices and double antenna.
Through the above description of the embodiments, those skilled in the art can be understood that the present invention can be by
The mode of software combination hardware platform is realized.Based on this understanding, technical solution of the present invention makes tribute to background technique
That offers can be embodied in the form of software products in whole or in part, which can store is situated between in storage
In matter, such as ROM/RAM, magnetic disk, CD, including some instructions use is so that a computer equipment (can be individual calculus
Machine, server or network equipment etc.) execute method described in certain parts of each embodiment of the present invention or embodiment.
It will be appreciated by those skilled in the art that disclosed above is only embodiments of the present invention, certainly cannot
The interest field that the present invention is limited with this still belongs to the claims in the present invention according to equivalent variations made by embodiment of the present invention
The range covered.
Claims (16)
1. a kind of electric paying method characterized by comprising
Debit end sends payment request information to intermediary end, wherein the payment request information include the debit end mark,
The mark of capital and the mark of third payment terminals, the debit end are the terminal of target customer；
The intermediary end obtains amount payable and interface message according to the payment request information, and by the amount payable and connects
Message breath is sent to Third-party payment end, wherein the amount payable is the amount of money that the target customer need to return capital, described
Interface message is the information that the target customer refunds to the interface of capital；
The Third-party payment end generates Third-party payment interface according to the amount payable and interface message, and to the debit
End provides the Third-party payment interface；
The debit end is paid by the Third-party payment interface, and the Third-party payment end sends the debit end
Payment result information is to the intermediary end.
2. the method according to claim 1, wherein debit end send payment request information to intermediary end it
Before, the method also includes:
Intermediary end provides the payment page and gives debit end, wherein the payment page inputs the debit end for target customer
The mark of mark, the mark of capital and third payment terminals, the payment page are that described borrow is sent to by the intermediary end
What the payment link in the collection short message of square end triggered.
3. according to the method described in claim 2, it is characterized in that, the intermediary end offer payment page is specifically wrapped to debit end
It includes:
Based on contract information filters out the target customer from database at the intermediary end；
The intermediary end sends the collection short message to the corresponding debit end of the target customer.
4. method according to claim 1 to 3, which is characterized in that the target customer meet one of the following conditions or
Person is a variety of: bill day is overdue, last repayment date is not to paying off minimum amount to pay, not overdue but refund and remind client next bill day
Account balance is insufficient and is more than that risk investigates index.
5. according to the method described in claim 3, it is characterized in that, the contract information includes:
Essential information, account information, contract information, refund information, by stages information and the credit scoring situation of the target customer.
6. the method according to claim 1, wherein the intermediary end is answered according to payment request information acquisition
It pays the amount of money and interface message includes:
The intermediary end obtains the contract information at the debit end according to the payment request information in the server, according to described
Contract information calculates the bill and account receivable of the capital, and generates amount payable according to preset point of account priority policy and connect
Message breath.
7. according to the method described in claim 6, it is characterized in that, obtaining institute in the server according to the payment request information
The contract information for stating debit end includes:
The intermediary end sends prompt information to the debit end, and the prompt information is for prompting input authentication information；
Receive the authentication information that the debit end is sent；
In the case where the authentication information is verified, the debit is obtained from the server according to the authentication information
Hold corresponding contract information.
8. the method according to claim 1, wherein sending the branch at the debit end at the Third-party payment end
After paying result information to intermediary end, the method also includes one or more of following:
The intermediary end updates the advance deposit and repayment schedule of the target customer；
The intermediary end sends active refund record, payment information and the credit of the target customer to capital or loan platform
Score situation.
9. a kind of electronic fare payment system, which is characterized in that including debit end, intermediary end and Third-party payment end:
Debit end, the debit end is for sending payment request information to intermediary end, wherein the payment request information includes institute
The mark of the mark at debit end, the mark of capital and third payment terminals is stated, the debit end is the terminal of target customer；
Intermediary end, the intermediary end are used to obtain amount payable and interface message according to the payment request information, and will be described
Amount payable and interface message are sent to Third-party payment end；Wherein, the amount payable is that the debit need to return capital's
The amount of money, the interface message are the information that the debit refunds to the interface of capital；
Third-party payment end, the Third-party payment end are used to generate Third-party payment according to the amount payable and interface message
Interface, and the Third-party payment interface is provided to the debit end；
The debit end is also used to pay by the Third-party payment interface；
The Third-party payment end is also used to send the payment result information at the debit end to intermediary end.
10. system according to claim 9, which is characterized in that the intermediary end is also used to send branch at the debit end
Before paying solicited message to intermediary end, the payment page is provided and gives debit end, wherein the payment page is inputted for target customer
The mark of the mark at the debit end, the mark of capital and third payment terminals, the payment page is by the intermediary end
It is sent to the payment link triggering in the collection short message at the debit end.
11. system according to claim 10, which is characterized in that the intermediary end be specifically used for based on contract information from number
According to the target customer is filtered out in library, the collection short message is sent to the corresponding debit end of the target customer.
12. according to system described in claim 9-11, which is characterized in that the target customer meets one of the following conditions
Or a variety of: bill day is overdue, last repayment date is not to paying off minimum amount to pay, not overdue but refund and remind visitor next bill day
Family account balance is insufficient and is more than that risk investigates index.
13. system according to claim 11, which is characterized in that the contract information includes:
Essential information, account information, contract information, refund information, by stages information and the credit scoring situation of the target customer.
14. system according to claim 9, which is characterized in that the intermediary end is specifically used for according to the payment request
Information obtains the contract information at the debit end in the server, and the account due of the capital is calculated according to the contract information
, and amount payable and interface message are generated according to preset point of account priority policy.
15. system according to claim 14, which is characterized in that the intermediary end is also used to send prompt information to described
Debit end, the prompt information is for prompting input authentication information；
The intermediary end is also used to receive the authentication information that the debit end is sent；
The intermediary end is also used in the case where the authentication information is verified, according to the authentication information from the service
The contract information at the debit end is obtained in device.
16. system according to claim 9, which is characterized in that the intermediary end be also used to execute it is one of following or
It is a variety of:
Update the advance deposit and repayment schedule of the target customer；
Active refund record, payment information and the credit scoring situation of the target customer are sent to capital or loan platform.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810968033.3A CN109360081A (en) | 2018-08-23 | 2018-08-23 | A kind of electric paying method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810968033.3A CN109360081A (en) | 2018-08-23 | 2018-08-23 | A kind of electric paying method and system |
Publications (1)
| Publication Number | Publication Date |
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| CN109360081A true CN109360081A (en) | 2019-02-19 |
Family
ID=65349867
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810968033.3A Withdrawn CN109360081A (en) | 2018-08-23 | 2018-08-23 | A kind of electric paying method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109360081A (en) |
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Application publication date: 20190219 |