CN109447607B - Transaction method and device for unit account - Google Patents
Transaction method and device for unit account Download PDFInfo
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- CN109447607B CN109447607B CN201811278000.2A CN201811278000A CN109447607B CN 109447607 B CN109447607 B CN 109447607B CN 201811278000 A CN201811278000 A CN 201811278000A CN 109447607 B CN109447607 B CN 109447607B
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- 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
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the invention relates to the technical field of data processing, in particular to a unit account transaction method and device, which are used for improving the convenience of processing the unit account transaction. The method comprises the following steps: the method comprises the steps that a server receives a first transaction request sent by first processing mechanism equipment, wherein the first transaction request comprises an account identifier of a transaction unit; the server determines a payment mark of the transaction unit according to the account identification of the transaction unit, wherein the payment mark corresponds to the account identification; and the server sends a second transaction request carrying the payment mark to second processing mechanism equipment so as to enable the second processing mechanism equipment to perform transaction by using the payment mark.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a transaction method and device for a unit account.
Background
The market scale of the public payment requirement in China is huge, the scene is relatively simple, and the method belongs to the blue sea market. At present, domestic public payment services are mainly processed by a compulsory payment system, a super online bank, a non-bank payment mechanism self-connection platform and a bank-enterprise direct connection, but the efficiency is not high. As a card organization, the Unionpay provides payment services such as customer fund settlement, supply chain, farming, forestry, animal husbandry and fishery purchasing and the like for enterprise customers based on bank cards, but the customers need to additionally open the bank cards aiming at accounts, the procedures are complicated, the operation is limited by opening channels and the like, and the problems of low coverage rate of the bank cards in unit accounts, low card-moving rate, extremely low card viscosity of enterprise customers and the like exist.
Generally, the processing efficiency is low and the convenience is not enough for the transaction between unit accounts of different banks at the present stage.
Disclosure of Invention
The application provides a unit account transaction method and device, which are used for improving the convenience of processing unit account transactions.
The transaction method of the unit account provided by the embodiment of the invention comprises the following steps:
the method comprises the steps that a server receives a first transaction request sent by first processing mechanism equipment, wherein the first transaction request comprises an account identifier of a transaction unit;
the server determines a payment mark of the transaction unit according to the account identification of the transaction unit, wherein the payment mark corresponds to the account identification;
and the server sends a second transaction request carrying the payment mark to second processing mechanism equipment so as to enable the second processing mechanism equipment to perform transaction by using the payment mark.
In an alternative embodiment, the determining, by the server, the payment token for the transaction unit based on the account identifier for the transaction unit includes:
the server determines that the payment mark corresponding to the account identifier is not stored;
and the server generates payment marks corresponding to the account identifications according to the account identifications of the transaction units, wherein the payment marks correspond to the account identifications one to one.
In an optional specific embodiment, after the server generates the payment token corresponding to the account identifier according to the account identifier of the transaction unit, the method further includes:
and the server stores the corresponding relation between the account identification and the payment mark and sends the corresponding relation between the account identification and the payment mark to the second processing mechanism device.
The embodiment of the invention also provides a transaction method of the unit account, which comprises the following steps:
the processing mechanism equipment receives a second transaction request sent by the server, wherein the second transaction request carries a payment mark of a transaction unit, and the payment mark is determined by the server according to an account identifier of the transaction unit;
the processing mechanism equipment determines an account of a transaction unit corresponding to the payment mark according to the payment mark;
the processing mechanism device executes the second transaction request against the account of the transaction unit.
An alternative embodiment, further comprising:
the processing mechanism equipment sends a first transaction request to the server, wherein the first transaction request comprises an account identification of a transaction unit, so that the server determines a payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark is in one-to-one correspondence with the account identification.
In an alternative specific embodiment, the determining, by the processing mechanism device, the account of the transaction unit corresponding to the payment token according to the payment token includes:
the processing mechanism device stores a corresponding relation between the account identification and the payment mark, and the corresponding relation is determined by the server and sent to the processing mechanism device;
and the processing mechanism equipment determines the account of the transaction unit corresponding to the payment mark according to the corresponding relation and the payment mark.
The embodiment of the invention provides a transaction device of a unit account, which comprises:
the receiving unit is used for receiving a first transaction request sent by first processing mechanism equipment, wherein the first transaction request comprises an account identifier of a transaction unit;
the marking unit is used for determining a payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark corresponds to the account identification;
and the sending unit is used for sending a second transaction request carrying the payment mark to second processing mechanism equipment so as to enable the second processing mechanism equipment to perform transaction by using the payment mark.
In an alternative specific embodiment, the marking unit is specifically configured to:
determining that a payment mark corresponding to the account identifier is not stored;
and generating payment marks corresponding to the account identifications according to the account identifications of the transaction units, wherein the payment marks correspond to the account identifications one to one.
In an optional specific embodiment, the marking unit is further configured to store a correspondence between the account identifier and the payment mark;
the sending unit is further configured to send the corresponding relationship between the account identifier and the payment token to the second processing mechanism device.
An embodiment of the present invention further provides an electronic device, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method as described above.
Embodiments of the present invention also provide a non-transitory computer-readable storage medium storing computer instructions for causing the computer to perform the method as described above.
In the embodiment of the invention, a server receives a first transaction request sent by a first processing mechanism device, wherein the first transaction request comprises an account identifier of a transaction unit. The server may determine a payment token for the transaction unit based on the account identification of the transaction unit, the payment token corresponding to the account identification. The server sends a second transaction request carrying the payment token to the second processing mechanism device so that the second processing mechanism device can conduct a transaction using the payment token. In the embodiment of the invention, the server allocates the payment mark for the account mark corresponding to the transaction unit, so that the server can process the transaction related to the unit account by using the payment mark, particularly the transaction between the unit accounts of different banks, the public transport is easily brought into the processing range of the server, and the method can be widely applied to the existing business of the server. In addition, for the user level, the user does not need to apply for a bank card for the account of the transaction unit, so that the transaction can be directly initiated for the account, namely the user does not feel, the convenience of processing the account of the unit by the user is improved, and the user experience is optimized.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a schematic diagram of a possible system architecture to which embodiments of the present invention are applicable;
FIG. 2 is a flow chart illustrating a transaction method for a unit account according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating a transaction method for a unit account according to an embodiment of the present invention;
FIG. 4 is a flowchart illustrating a transaction method for a unit account according to a second embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a transaction device for a unit account according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The existing settlement of public payment mainly realizes the requirements through the following ways: the large and small amount payment system for the central bank, super bank payment mechanism self-connection platform, bank-enterprise direct connection and card organization unit settlement card.
The above several implementation methods have limitations:
(1) the CCW system provides a 5 x 21 hour operation window, and the split is required to be split into multiple pens for the public payment demand of the non-working time crossing, so that the CCW system can be realized through the CCW system with lower single transaction limit and the super internet bank, the cost is higher, and the efficiency is lower.
(2) Under the disconnected and connected supervision requirement that the action of the central department was taken precautions against the risk of settling funds, the platform business of the self-connected bank of the non-bank payment institution belongs to the violation behavior and needs to be banned.
(3) The bank-enterprise direct connection channel can only support payment settlement of unit accounts of the same bank and cannot meet the requirement of cross-bank.
(4) For the unit settlement card which is launched to the public customer market by the card group knitting needle, the card holding user is still used to provide the unit account and does not form the user habit of providing the unit settlement card, and the unit settlement card user is small in scale and does not cover the existing public customer market.
In order to solve the above problem, an embodiment of the present invention provides a transaction method for a unit account. One possible system architecture to which the method is applicable, as shown in fig. 1, includes a terminal 101, a processing mechanism device 102, and a server 103. The terminal 101 may be a mobile phone, a tablet computer, or a dedicated handheld device such as a POS (point of sale) device, an electronic device with a transaction processing function such as NFC (Near Field Communication), or other devices capable of performing payment such as a Personal Computer (PC), a notebook computer, a server, and the like.
The processing mechanism device 102 may be a device in a mechanism for processing various transactions, such as a server of each banking system, an independent device, or a server cluster formed by a plurality of servers. Preferably, the processing mechanism device 102 may employ cloud computing technology for information processing. The server 103 may be an independent device or a server cluster formed by a plurality of servers. Preferably, the server 103 may perform information processing using cloud computing technology.
The server 103 may be connected to a plurality of processing agency devices 102, one processing agency device 102 may be connected to a plurality of terminals 101, and one terminal 101 may also be connected to a plurality of processing agency devices 102.
The transaction method of the unit account in the embodiment of the invention is characterized in that a payment mark is distributed to the unit account based on a payment marking technology, and the public payment requirement of an enterprise is brought into the processing range of the server through the payment mark. Typical application scenarios include:
1. payment type service
The bank applies for a unit TOKEN (Payment TOKEN) for a unit account, generates a standard two-dimensional code display, and can be used for face-to-face Payment application scenes such as mobile phone internet bank two-dimensional code scanning Payment or code scanning Payment through POS (point of sale), NFC (near field communication) binding and the like. For example, in the supply chain purchase payment service, a unit account can be paid with purchase money by scanning a unit TOKEN two-dimensional code through a POS.
2. Collection service
The unit TOKEN can also be widely applied to the business to the public collection business, such as the customer fund settlement business, and the collection institution can support 7 x 24 hours of real-time customer fund posting by initiating the unit TOKEN credit posting transaction to the unit account of the customer, thereby providing high-efficiency fund settlement service.
Fig. 2 is a schematic flow chart illustrating a transaction method for a unit account according to an embodiment of the present invention.
Based on the foregoing, as shown in fig. 2, the transaction method for a unit account implemented on a server side according to an embodiment of the present invention includes the following steps:
In the embodiment of the invention, a server receives a first transaction request sent by a first processing mechanism device, wherein the first transaction request comprises an account identifier of a transaction unit. The server may determine a payment token for the transaction unit based on the account identification of the transaction unit, the payment token corresponding to the account identification. The server sends a second transaction request carrying the payment token to the second processing mechanism device so that the second processing mechanism device can conduct a transaction using the payment token. In the embodiment of the invention, the server allocates the payment mark for the account mark corresponding to the transaction unit, so that the server can process the transaction related to the unit account by using the payment mark, particularly the transaction between the unit accounts of different banks, the public transport is easily brought into the processing range of the server, and the method can be widely applied to the existing business of the server. In addition, for the user level, the user does not need to apply for a bank card for the account of the transaction unit, so that the transaction can be directly initiated for the account, namely the user does not feel, the convenience of processing the account of the unit by the user is improved, and the user experience is optimized.
The payment TOKEN in the embodiment of the present invention may be a TOKEN number of a unit generated for an account of a transaction unit by a payment tokenization technology. The TOKEN is a payment settlement tool associated with the enterprise customer's TOKEN account and generated for the TOKEN account based on TOKEN technology. Specifically, the TOKEN may be a 62-start 13-19 digits, which conforms to the basic rule of the BIN number of the bank card and corresponds to the unit account one by one. Of course, the unit TOKEN may also be a number at the beginning of other numbers such as 3 or 4, or a character string composed of a string of english characters, or a mixed character string containing numbers and english characters, and the embodiment of the present invention does not limit the specific form and the specific content of the unit TOKEN. The conventional account number is replaced by the unit TOKEN number in the transaction, so that the requirements of unit account mobile payment and cardless payment are met.
In the embodiment of the invention, in order to correspond to the unit account one by one, the server can generate a unique number according to the account number of the unit account, and the unique number is used as the payment mark corresponding to the account number. Specifically, in step 201, the server determines the payment token of the transaction unit according to the account identifier of the transaction unit, including:
the server determines that the payment mark corresponding to the account identifier is not stored;
and the server generates payment marks corresponding to the account identifications according to the account identifications of the transaction units, wherein the payment marks correspond to the account identifications one to one.
In a specific implementation process, after receiving a transaction request sent by a processing mechanism device, a server determines that the transaction request carries an account identifier of a transaction unit, and then queries whether a payment tag corresponding to the account identifier exists. If the server determines that the payment mark corresponding to the account identifier exists, the server can directly process the transaction request by using the payment mark. If the server determines that the payment mark corresponding to the account identifier is not stored, the server generates a corresponding payment mark according to the account identifier of the transaction unit, specifically, the payment mark may be a multi-digit number uniquely corresponding to the account identifier of the unit account.
Further, after the server generates the payment token corresponding to the account identifier according to the account identifier of the transaction unit, the method further includes:
and the server stores the corresponding relation between the account identification and the payment mark and sends the corresponding relation between the account identification and the payment mark to the second processing mechanism device.
Specifically, after the server generates the payment token, the corresponding relationship between the account identifier and the payment token is stored in order to facilitate subsequent processing of transactions of the same account. Therefore, when the server receives the transaction request of the same account again, the payment mark can be determined only by searching the corresponding relation according to the account identification without repeating the generation process of the payment mark. Meanwhile, the server also sends the corresponding relation between the account identification and the payment mark to the second processing mechanism device. The second processing facility device may be caused to store a correspondence of the account identification to the payment token. In this way, the payment token can be used between the server and the second processing structure to uniquely identify the unit account in place of the account number.
Corresponding to the processing mechanism side, the transaction method of the unit account in the embodiment of the invention comprises the following steps:
the processing mechanism equipment receives a second transaction request sent by the server, wherein the second transaction request carries a payment mark of a transaction unit, and the payment mark is determined by the server according to an account identifier of the transaction unit;
the processing mechanism equipment determines the account of the transaction unit corresponding to the payment mark according to the payment mark;
the processing facility device executes a second transaction request against the account of the transaction unit.
For the processing mechanism, the processing mechanism device may determine that the second transaction request is a bus transaction request, that is, related to the unit account, according to the payment tag carried in the received second transaction request. In this way, the processing mechanism processes the second transaction request in a bus-ready manner, determines the account of the transaction unit based on the payment token, and executes the second transaction request on the account of the transaction unit.
The processing mechanism device may actively request the payment tag from the server, or may send a general transaction request to the server, and the server determines to produce the corresponding payment tag for the transaction unit.
In the embodiment of the invention, the method further comprises the following steps:
the processing mechanism equipment sends a first transaction request to the server, wherein the first transaction request comprises an account identification of a transaction unit, so that the server determines a payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark is in one-to-one correspondence with the account identification.
Here, the processing mechanism device that transmits the first transaction request and the processing mechanism device that receives the second transaction processing request may be the same processing mechanism device or different processing mechanism devices. When the two devices are the same processing mechanism device, the processing mechanism actively requests the server to request the server to determine the unique payment mark for the unit account, so that the processing mechanism can conveniently process the transaction task by using the payment mark. When the two are different processing mechanism devices, the processing mechanism sends a first transaction request to the server, and the first transaction request is a common transaction request, namely, the related content without the payment mark. The server determines the payment mark according to the first transaction request, so that the bus is easy to be brought into the processing range of the server, and the transaction processing range of the server is increased.
The processing mechanism equipment determines the account of the transaction unit corresponding to the payment mark according to the payment mark, and the method comprises the following steps:
the processing mechanism device stores a corresponding relation between the account identification and the payment mark, and the corresponding relation is determined by the server and sent to the processing mechanism device;
and the processing mechanism equipment determines the account of the transaction unit corresponding to the payment mark according to the corresponding relation and the payment mark.
In a specific implementation process, the processing mechanism device may store a corresponding relationship between the account identifier and the payment token, where the corresponding relationship is sent to the processing mechanism device by the server. In this way, the server may then send the payment token to the processing mechanism device, and the processing mechanism device determines the account identifier corresponding to the payment token by looking up the stored data.
In order to more clearly understand the present invention, the above flow is described in detail by using a specific embodiment, in the first embodiment, the payer terminal is connected to the first processing mechanism device, the payee terminal is connected to the second processing mechanism device, and both the first processing mechanism device and the second processing mechanism device are connected to the union pay server. The first processing mechanism device is a server in bank A, and the second processing mechanism device is a server in bank B.
The specific steps are shown in fig. 3, and include:
step 301: the payer terminal initiates a payment (or transfer) transaction request to the first processing agency device, wherein the transaction request includes an account number of the payee unit account.
Step 302: the first processing agency device sends a payment transaction request to the unionpay server.
Step 303: the Unionpay server inquires whether units TOKEN is stored or not according to the account number of the payee unit, if yes, step 307 is executed, and if not, step 304 is executed.
Step 304: and the Unionpay server generates a TOKEN of a receiver unit according to the account number of the receiver unit and stores the corresponding relation between the account number and the TOKEN.
Step 305: and after the UnionPay server generates a receiver unit TOKEN, the unit TOKEN is constructed to credit the first transaction message, and the first transaction message is sent to the second processing mechanism device. Wherein the first transaction message comprises the following contents:
(1) a primary account number field, filling in the received TOKEN number of the unit;
(2) account owner type identification (60.2.1 field), filled in as "3-units TOKEN";
(3) payee information (field 104), fill out secondary verification information including account name, account number, license registration number (or unified social credit code).
Step 306: and after receiving the first transaction message, the second processing mechanism device identifies that the type of the account owner is 3-unit TOKEN, reads the information of the payee and stores the corresponding relation between the unit TOKEN and the information of the payee.
Step 307: and crediting the account of the payee in real time after the unit TOKEN account is verified. Step 3010 is then performed.
Step 308: and the UnionPay server constructs a second transaction message credited by the unit TOKEN according to the unit TOKEN and sends the second transaction message to the second processing mechanism equipment. The second transaction message includes a primary account number field, and fills in the received TOKEN number of the unit.
Step 309: and after receiving the second transaction message, the second processing mechanism equipment identifies that the type of the account owner is 3-unit TOKEN, inquires the information of the payee from the stored data, and credits and accounts for the account of the payee.
Step 310: the second processing means notifies the payee terminal of the posting information.
In the second embodiment, the processing mechanism device actively applies for the TOKEN of the unit, binds the TOKEN of the unit with the APP, and directly initiates a payment request with the TOKEN (or a two-dimensional code based on the TOKEN) during payment, which may be an application initiated by an enterprise client or may be unaware by the enterprise client. Taking the application of the corporate client to the public two-dimensional code as an example, the specific steps are shown in fig. 4 and include:
step 401: an enterprise customer initiates a binding account on a client (a mobile phone enterprise internet bank or a merchant APP) and applies for an application request for a public two-dimensional code, wherein the application request comprises an account number of the enterprise customer.
Step 402: and the processing mechanism initiates an application request to the Unionpay server to apply for the two-dimensional code, wherein the application request comprises the account number of the enterprise client.
Step 403: the UnionPay server queries according to the account number of the enterprise client, and if the corresponding unit TOKEN is found, the step 405 is directly executed; if the unit TOKEN cannot be found, step 404 is performed.
Step 404: and the Unionpay server generates a Unionpay standard unit TOKEN for the account number of the enterprise client and stores the TOKEN.
Step 405: and the Unionpay server generates the Unionpay standard two-dimensional code according to the unit TOKEN.
Step 406: and the Unionpay server returns the two-dimensional code to the processing mechanism equipment.
Step 407: and the processing mechanism equipment sends the two-dimensional code to the client.
Step 408: and the client displays the enterprise client.
The enterprise client can carry out the business of consumption, face-to-face enterprise payment and the like in the Unionpay network through the two-dimension code.
An embodiment of the present invention further provides a transaction apparatus for a unit account, as shown in fig. 5, including:
a receiving unit 501, configured to receive a first transaction request sent by a first processing mechanism device, where the first transaction request includes an account identifier of a transaction unit;
a marking unit 502, configured to determine a payment label of the transaction unit according to an account identifier of the transaction unit, where the payment label corresponds to the account identifier;
a sending unit 503, configured to send a second transaction request carrying the payment token to a second processing mechanism device, so that the second processing mechanism device performs a transaction by using the payment token.
Further, the marking unit 502 is specifically configured to:
determining that a payment mark corresponding to the account identifier is not stored;
and generating payment marks corresponding to the account identifications according to the account identifications of the transaction units, wherein the payment marks correspond to the account identifications one to one.
Further, the marking unit 502 is further configured to store a corresponding relationship between the account identifier and the payment mark;
the sending unit 503 is further configured to send the corresponding relationship between the account identifier and the payment token to the second processing mechanism device.
Here, the union pay server is only an example, and is not limited thereto, and servers of the remaining card organizations may be replaced.
Based on the same principle, the present invention also provides an electronic device, as shown in fig. 6, including:
the system comprises a processor 601, a memory 602, a transceiver 603 and a bus interface 604, wherein the processor 601, the memory 602 and the transceiver 603 are connected through the bus interface 604;
the processor 601 is configured to read the program in the memory 602, and execute the following methods:
receiving a first transaction request sent by first processing mechanism equipment, wherein the first transaction request comprises an account identifier of a transaction unit;
determining a payment mark of the transaction unit according to the account identification of the transaction unit, wherein the payment mark corresponds to the account identification;
and sending a second transaction request carrying the payment mark to second processing mechanism equipment so that the second processing mechanism equipment carries out transaction by using the payment mark.
Further, the processor 601 is specifically configured to:
determining that a payment mark corresponding to the account identifier is not stored;
and generating a payment mark corresponding to the account identification according to the account identification of the transaction unit.
Further, the processor 601 is specifically configured to:
and storing the corresponding relation between the account identification and the payment mark, and sending the corresponding relation between the account identification and the payment mark to the second processing mechanism device.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (11)
1. A method of transacting a unit account, comprising:
the method comprises the steps that a server receives a first transaction request sent by first processing mechanism equipment, wherein the first transaction request comprises an account identifier of a transaction unit;
the server determines a payment mark of the transaction unit according to the account identification of the transaction unit, wherein the payment mark corresponds to the account identification;
and the server sends a second transaction request carrying the payment mark to second processing mechanism equipment so as to enable the second processing mechanism equipment to perform transaction by using the payment mark.
2. The method of claim 1, wherein the server determining the payment token for the transaction unit based on the account identification of the transaction unit comprises:
the server determines that the payment mark corresponding to the account identifier is not stored;
and the server generates payment marks corresponding to the account identifications according to the account identifications of the transaction units, wherein the payment marks correspond to the account identifications one to one.
3. The method of claim 2, wherein after the server generates the payment token corresponding to the account identifier according to the account identifier of the transaction unit, the method further comprises:
and the server stores the corresponding relation between the account identification and the payment mark and sends the corresponding relation between the account identification and the payment mark to the second processing mechanism device.
4. A method of transacting a unit account, comprising:
the processing mechanism equipment receives a second transaction request sent by a server, wherein the second transaction request carries a payment mark of a transaction unit, and the payment mark is determined by the server according to an account identifier of the transaction unit;
the processing mechanism equipment determines an account of a transaction unit corresponding to the payment mark according to the payment mark;
the processing mechanism device executes the second transaction request against the account of the transaction unit.
5. The method of claim 4, further comprising:
the processing mechanism equipment sends a first transaction request to the server, wherein the first transaction request comprises an account identification of a transaction unit, so that the server determines a payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark is in one-to-one correspondence with the account identification.
6. The method of claim 4, wherein the processing mechanism device determining the account of the transaction unit corresponding to the payment token based on the payment token comprises:
the processing mechanism device stores a corresponding relation between the account identification and the payment mark, and the corresponding relation is determined by the server and sent to the processing mechanism device;
and the processing mechanism equipment determines the account of the transaction unit corresponding to the payment mark according to the corresponding relation and the payment mark.
7. A transaction apparatus for a unit account, comprising:
the receiving unit is used for receiving a first transaction request sent by first processing mechanism equipment, wherein the first transaction request comprises an account identifier of a transaction unit;
the marking unit is used for determining a payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark corresponds to the account identification;
and the sending unit is used for sending a second transaction request carrying the payment mark to second processing mechanism equipment so as to enable the second processing mechanism equipment to perform transaction by using the payment mark.
8. The apparatus as claimed in claim 7, wherein the marking unit is specifically configured to:
determining that a payment mark corresponding to the account identifier is not stored;
and generating payment marks corresponding to the account identifications according to the account identifications of the transaction units, wherein the payment marks correspond to the account identifications one to one.
9. The apparatus of claim 7,
the marking unit is further used for storing the corresponding relation between the account identification and the payment mark;
the sending unit is further configured to send the corresponding relationship between the account identifier and the payment token to the second processing mechanism device.
10. An electronic device, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-3.
11. A non-transitory computer readable storage medium storing computer instructions for causing a computer to perform the method of any one of claims 1 to 3.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811278000.2A CN109447607B (en) | 2018-10-30 | 2018-10-30 | Transaction method and device for unit account |
| PCT/CN2019/108721 WO2020088175A1 (en) | 2018-10-30 | 2019-09-27 | Transaction method and device for business account |
| TW108136008A TWI786333B (en) | 2018-10-30 | 2019-10-04 | Transaction method and device for unit account |
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| CN201811278000.2A CN109447607B (en) | 2018-10-30 | 2018-10-30 | Transaction method and device for unit account |
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| CN109447607A CN109447607A (en) | 2019-03-08 |
| CN109447607B true CN109447607B (en) | 2021-09-21 |
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| TW (1) | TWI786333B (en) |
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| CN109447607B (en) * | 2018-10-30 | 2021-09-21 | 中国银联股份有限公司 | Transaction method and device for unit account |
| CN111275431A (en) * | 2020-01-22 | 2020-06-12 | 维沃移动通信有限公司 | Transaction method and target electronic equipment |
| CN112184210A (en) * | 2020-09-08 | 2021-01-05 | 中国银联股份有限公司 | Cross-network transaction method, system and computer readable storage medium |
| CN112561672A (en) * | 2020-12-04 | 2021-03-26 | 京东数字科技控股股份有限公司 | Accounting data processing system, method, device, equipment and computer readable medium |
| CN114169880A (en) * | 2021-11-29 | 2022-03-11 | 沈阳泉安科技有限公司 | Off-line non-inductive payment method, system, equipment and storage medium |
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| CN105956840B (en) * | 2016-05-30 | 2020-02-07 | 广东电网有限责任公司 | Method and device for paying electric charge and bank-electricity networking system |
| CN106097086A (en) * | 2016-06-07 | 2016-11-09 | 中国建设银行股份有限公司 | Data processing method, device and the system transferred accounts for enterprise |
| CN109447607B (en) * | 2018-10-30 | 2021-09-21 | 中国银联股份有限公司 | Transaction method and device for unit account |
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Also Published As
| Publication number | Publication date |
|---|---|
| TWI786333B (en) | 2022-12-11 |
| TW202016829A (en) | 2020-05-01 |
| WO2020088175A1 (en) | 2020-05-07 |
| CN109447607A (en) | 2019-03-08 |
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