CN111292073A - Offline payment-taking-by-agent system and method based on payment-by-agent platform - Google Patents

Abstract

An off-line payment-taking system and method based on payment-taking-up platform, the system includes transaction terminal, bank payment-taking-up platform, also include the module of simulation merchant; a simulated merchant module comprising: the system comprises an offline payment client information management module, an offline payment interface maintenance module, an offline payment batch file processing module and an offline payment information notification module. The invention realizes the collection and payment function without depending on the merchant information system; meanwhile, a payment interface is customized according to the industry terms of different merchants, so that a user can conveniently pay; and after the payment information is imported, the user can be reminded of paying in time through mobile phone short messages, APP system messages and other modes.

Description

Offline payment-taking-by-agent system and method based on payment-by-agent platform

[ technical field ] A method for producing a semiconductor device

The invention belongs to the technical field of computer system application, and particularly relates to an offline payment-taking-by-agent system and method based on a payment-by-agent platform.

[ background of the invention ]

According to the statistics of the State Industrial and commercial administration bureau, the small and micro enterprises recorded in the name list of the small and micro enterprises in China reach 7328.1 thousands of households by 2017. According to measurement and calculation, nearly 1500 ten thousand households of newly-increased small enterprises are added in China before 2020. Many small micro-enterprises do not establish information systems due to the considerations of enterprise scale, operating cost and the like. With the rapid development of mobile payment in recent years, the market share of the collection and payment service originally belonging to the bank is continuously eaten by silkworms. Since the payment treasures release the water charge for collection in 2008, each third-party payment platform accelerates the pace of advancing the military to collect the water charge for collection in the service market and strives for the market share with the bank. By 8 months in 2019, 270 payment license plates are issued before and after the center row, 4 payment license plates are cancelled, 1 payment license plate is not passed, and 265 payment license plates are left. The main third-party payment platforms, such as Payment treasure, WeChat payment, Unionpay business, fast money, one wallet and the like, provide the service of collecting and paying. The third-party payment platforms do not require the merchants to build information systems, and the merchants only need to provide a two-dimensional code on the booths, so that the users can complete payment by scanning, and obvious seizing and crowding effects are generated on the collection and payment services of banks.

At present, most banks provide a collection and payment service for merchants, and the realization mode is mainly that a bank system is connected with a merchant information system through a private line or the internet, and when the collection and payment service is handled for a user, the bank system can inquire information of a payer, the amount to be paid, the payment state and the like from the merchant information system in real time; after the payment is successful, the bank system also informs the merchant information system of successful payment, and the merchant information system updates the payment state according to the notice sent by the bank system.

For example, the chinese patent of invention publication No. CN1753012A, published as 2006, 03, and 29 discloses a general collecting and paying system construction scheme, in which a standard transaction terminal server is connected to an intermediate service platform, when the standard transaction terminal initiates a transaction request, the transaction request is sent to a communication front-end processor by the standard transaction terminal, and the communication front-end processor converts the transaction request into a standard protocol and forwards the standard protocol to the intermediate service platform; a service flow processing unit in the intermediate service platform performs service processing according to the transaction request; when the intermediate service platform finishes processing, directly returning the processing result of the standard protocol to the standard transaction server; or the processing result of the standard protocol is returned to the preposed terminal, and the preposed terminal carries out protocol conversion and then returns to the transaction terminal processor.

The above mentioned general payment system has the following disadvantages: 1. the arrearage information is stored in a merchant information system, and a bank system must establish a network link with the merchant information system so as to inquire and acquire the arrearage information; 2. the name and the prompt words of the field of the user operation interface are fixed, for example, the search items of the payment bill are uniformly called payment serial numbers on the interface, and for the user who pays by the self-service equipment, if the interface prompts 'please input the payment serial numbers', the user does not know the input electric meter number, water meter number, identity card number, learning number or mobile phone number; 3. the user can not be reminded of paying in time by means of instant communication tools such as mobile phone short messages and APP system messages without the arrearage notification function, and if the user does not inquire arrearage information in time, the payment deadline is easy to miss, so that various adverse consequences are generated, and the user experience is influenced.

In new situation, banks must create product innovation and improve customer service satisfaction in fierce competition.

[ summary of the invention ]

The technical problem to be solved by the invention is to provide an offline payment-for-agent method on a payment-for-agent platform, which realizes the payment-for-agent function without depending on a merchant information system.

The invention is realized by the following steps:

an off-line payment-taking-up system based on a payment-taking-up platform comprises a transaction terminal and a bank payment-taking-up platform, wherein the transaction terminal comprises: a teller terminal and a customer terminal;

the bank collecting and paying platform comprises:

the single real-time payment module is used for handling a single payment service;

the single-day cancellation module is used for performing cancellation processing on a single real-time payment service finished by the teller terminal on the same day;

the system comprises a consignment relationship maintenance module, a client-side management module and a background system, wherein the consignment relationship maintenance module is used for transacting consignment relationship subscription, signed account number change or consignment relationship relief for a payment client;

the batch withholding module is used for completing batch withholding service for the client, and under the condition that the payment client signs a proxy agreement, the background system completes payment for the client in a batch withholding mode;

the system comprises a uniform reconciliation module, a background system and a reconciliation processing module, wherein the uniform reconciliation module is used for reconciliation among systems, and the background system automatically checks transaction data of the systems after business is ended every day to generate a reconciliation result;

the automatic transfer maintenance module of the payment fund is used for configuring transfer parameters of the payment fund;

the automatic transfer module of the payment funds on behalf of the user is used for transferring the payment funds on behalf of the user from the internal collecting account of the bank to the designated collection account of the merchant according to the parameters configured by the automatic transfer maintenance module of the payment funds on behalf of the user;

still include simulation merchant module, simulation merchant module includes:

the off-line payment unit information management module is used for establishing entrusted collection unit information, and when the system establishes merchant information, an entrusted project is automatically established for the entrusted unit, and a collection account is bound;

the off-line payment client information management module is used for managing payment client information and comprises client information inquiry, modification, deletion and data export functions;

the off-line payment information management module is used for payment information management and comprises functions of payment information inquiry, payment batch invalidation and data export;

the off-line payment interface maintenance module is used for setting the field name of the payment interface, and customizing the transaction interface in a personalized way according to the terms commonly used in the daily life of a merchant or a user, so that the operation of the user is facilitated;

the offline payment batch file processing module is used for adding or deleting information of payers in batches and uploading arrearage information in batches;

and the offline payment information notification module is used for sending the payment items, the payment serial numbers, the payment amount and the payment ending date information to the client in a mobile phone short message or APP system message mode to remind the client of paying in time.

An offline payment-collecting method based on a payment-collecting platform comprises the following steps:

step 1: the teller maintains the external unit information through an 'offline payment unit information management module', when the system creates the external unit information, a consignment project is automatically established for the consignment collection unit, a collection account is bound, batch deduction time is set, and a bank payment and collection platform automatically initiates batch deduction requests according to the configured time to complete batch deduction services;

step 2: the teller sets a column name displayed on an offline payment interface through an offline payment interface maintenance module, sets payment bill search items and payment bill display items, and sets payment bill search items and payment bill display items according to terms commonly used in daily life of a merchant or a user, so that the user can finish self-service payment service according to a prompt word and the column name on the interface without looking up an operation manual when paying;

and step 3: the teller uploads the customer information of the payer through an offline payment batch file processing module, wherein the payment information comprises payment items, payment codes, payment amount and payment deadline; after the payment information is imported, the background system also sends the payment information to a client mobile phone through an off-line payment information notification module;

and 4, step 4: the teller inquires the amount to be paid and the payment state information of the payer through an offline payment information management module, the information comprises detail inquiry and summary inquiry, and the teller can also perform invalidation processing on a certain specified batch during the summary inquiry;

and 5: the teller manages payment client information through an 'offline payment client information management module', and the management comprises client information inquiry, modification, deletion and data export functions;

step 6: the user pays the fee to the business network according to the received mobile phone short message, or completes the payment by self-help of the mobile phone bank, the WeChat bank, the general financial convenient point and the ATM/CRS;

and 7: the single-time on-day offset is used for carrying out on-day offset processing on the single-time payment service finished by the teller terminal; when a bank outlet pays in a single real-time manner, if a transaction error is found to require correction, correction processing can be completed through the existing single daily cancel transaction of a payment platform;

and 8: the teller can transact the entrusted relationship subscription, the subscription account number change or the entrusted relationship release for the payment client through the entrusted relationship maintenance module, and when the payment client subscribes the entrusted withholding protocol, the background system can complete the payment for the client in a batch withholding mode;

and step 9: batch buckling replacement: when a payment client signs a commission withholding protocol, a batch withholding background processing process in the bank withholding system initiates batch withholding transactions according to batch withholding time set in an offline payment unit information management module, and the system can automatically complete batch withholding processing;

step 10: unified account checking: at the end of every day, the existing payment and receipt system of the bank firstly checks accounts with the core accounting system based on the data of the core accounting system, and then checks accounts with the simulated merchant system according to the result of checking accounts with the core accounting system;

step 11: automatic transfer maintenance of the payment fund: when the collected account maintained by the offline payment unit information management module is an internal account of the bank, the teller completes the automatic transfer parameter maintenance of the payment fund through the automatic transfer maintenance module;

step 12: automatic transfer of the payment fund: when the collected account number maintained in the offline payment unit information management module is an internal account number of a bank, the intermediate service platform transfers the payment fund from the internal collected account number to a public account designated by a consignment unit according to the configured automatic transfer parameters of the payment fund.

The invention has the advantages that:

the invention realizes the collection and payment function without depending on the merchant information system; meanwhile, a payment interface is customized according to the industry terms of different merchants, so that a user can conveniently pay; and after the payment information is imported, the user can be reminded of paying in time through mobile phone short messages, APP system messages and other modes. The invention adds a simulation merchant system in the bank, and in the architecture design, the external communication front-end is butted with the simulation merchant system to ensure the consistency of the simulation merchant system and the real service scene as much as possible, and meanwhile, if the data migration and system butt joint problem of a third party after the information system is built is also considered, the external communication front-end is butted with the simulation merchant system, so that the workload during the data migration and system butt joint can be effectively reduced. Meanwhile, the system can customize a payment interface according to the industry terms of different merchants/users, so that the users can conveniently pay; and after the payment information is imported, the user can be reminded of paying in time through mobile phone short messages, APP system messages and other modes.

[ description of the drawings ]

The invention will be further described with reference to the following examples with reference to the accompanying drawings.

FIG. 1 is a schematic diagram of an application architecture of the present invention.

Fig. 2 is a schematic diagram of a service architecture of the present invention.

Fig. 3 is a schematic view of a business process of the present invention.

Fig. 4 is a schematic system deployment diagram of the present invention.

[ detailed description ] embodiments

Referring to fig. 1, an offline payment-for-agent system based on a payment-for-agent platform realizes the payment-for-agent without depending on a third-party information system by building a simulated merchant system in a bank on the basis of the existing transaction front end and the payment-for-agent platform.

The transaction front end is a channel display layer of the system and can be divided into two categories of staff channels and customer channels, wherein the staff channels are common bank teller terminals, a teller can send a transaction request to the transaction processing layer through the teller terminal for processing, and transaction result information is displayed on a front end interface after a processing result returned by the transaction processing layer is received.

The business processing layer comprises a main business process processing unit, the business processing layer selects a corresponding business processing unit for processing after receiving a transaction request sent by the front-end system, and background data is required to be accessed through the data access layer in a data processing link in the business processing process;

the data access layer is a packaged data access interface and comprises a file access interface and a database access interface, wherein the file access interface is used for accessing data stored in a file, and the database access interface is used for accessing data stored in a database;

the file and the database for storing data are also called as a data storage layer and are used for the persistent storage of business data;

the overall system implementation also relies on some infrastructure, such as networks, operating systems, servers, etc., to provide the basic support functions.

The whole system comprises a transaction terminal, an existing collection and payment platform of a bank and a newly-built simulated merchant module.

The transaction terminal comprises a teller terminal and a client terminal, wherein the teller can establish entrusting unit information through the teller terminal (namely a counter system), import payment client information and payment information, configure a field name displayed on a payment interface and transact a single real-time payment service for a client; the payment client can inquire and pay the arrears through a client terminal (such as a mobile phone bank, a personal internet bank, a WeChat bank, an ATM/CRS and a general financial convenient point).

The existing collection and payment platform for the bank comprises:

and the single real-time payment module is used for handling a single payment service. The payment client can not only request the teller to help to pay at the bank business network, but also can pay by self through equipment such as personal internet bank, mobile phone bank, WeChat bank, ATM/CRS, general financial convenient points and the like;

the single-day cancellation module is used for performing cancellation processing on a single real-time payment service finished by the teller terminal on the same day;

the system comprises a consignment relationship maintenance module, a client-side management module and a background system, wherein the consignment relationship maintenance module is used for transacting consignment relationship subscription, signed account number change or consignment relationship relief for a payment client;

the batch withholding module is used for completing batch withholding service for the client, and under the condition that the payment client signs a proxy agreement, the background system completes payment for the client in a batch withholding mode;

the system comprises a uniform reconciliation module, a background system and a reconciliation processing module, wherein the uniform reconciliation module is used for reconciliation among systems, and the background system automatically checks transaction data of the systems after business is ended every day to generate a reconciliation result;

the automatic transfer maintenance module of the payment agency fund is used for configuring transfer parameters of the payment agency fund, and when the collection account of the payment agency service is an internal account of a bank, the transfer parameters of the fund need to be configured, such as an account of a collection unit, the transfer frequency of the fund, the transfer time of the fund, whether holidays are smooth or not in a festival and the like;

the automatic transfer module of the payment funds on behalf of the user is used for transferring the payment funds on behalf of the user from the internal collecting account of the bank to the collection account (the public account) appointed by the merchant according to the parameters configured by the automatic transfer maintenance module of the payment funds on behalf of the user;

the simulated merchant module comprises:

the off-line payment unit information management module is used for establishing entrusted collection unit information (namely merchant information), and when the merchant information is newly established, the system automatically establishes an entrusted project for the entrusted unit and binds an integrated account;

the off-line payment client information management module is used for managing payment client information and has the functions of client information query, modification, deletion, data export and the like;

the off-line payment information management module is used for payment information management and has the functions of payment information inquiry, payment batch invalidation, data export and the like;

the off-line payment interface maintenance module is used for setting the field name of the payment interface, so that the transaction interface can be customized according to the terms commonly used in the daily life of a merchant/user, and the operation of the user is facilitated;

the offline payment batch file processing module is used for adding or deleting information of payers in batches and uploading arrearage information in batches;

and the offline payment information notification module is used for sending information such as payment items, payment numbers, payment amounts, payment ending dates and the like to the client in the modes of mobile phone short messages, APP system messages and the like so as to remind the client of paying in time.

Referring to fig. 2, the service architecture diagram of the offline payment system includes a front-end display and interaction interface, which includes a teller terminal, a mobile phone bank, a personal internet bank, a wechat bank, an ATM/CRS, and a general financial convenience point, and a teller or a payer can interact with a background system through the front-end display interface to complete the defaulting inquiry and payment processing; the teller terminal is communicated with the intermediate service platform through an enterprise-level service bus and an inline communication front-end; the mobile phone bank, the personal internet bank, the WeChat bank and the small-amount convenience point need to send a transaction request to an electronic bank service platform, and the electronic bank service platform sends the transaction request to an intermediate business platform through an enterprise-level service bus and an inline communication front-end; the intermediate service platform is a unified service logic processing system of bank intermediate services, and completes entrustment project information management, entrustment relationship maintenance, collection and payment, account checking, fund transfer and the like, but the accounting processing needs to be completed by a core accounting system; for the batch withholding service, the intermediate service platform is responsible for generating a batch withholding file, sending the batch withholding file and a batch withholding request to the unified batch platform, and finishing batch withholding processing by the unified batch platform; at the end of the day, the intermediate service platform also performs account checking with the core system and the simulated merchant system through the unified account checking interface respectively based on the transaction data of the core system (when online generation is received and paid, the intermediate service platform directly performs account checking with the merchant information system after the account checking with the core accounting system); after the account checking is completed, for the collected account of the collected funds of the agent to be the internal account of the bank, the intermediate service platform also needs to inform the core accounting system to transfer the collected funds of the agent to the account designated by the entrustment unit.

The simulation merchant system is a background system simulating a third party, in order to make the simulation system consistent with a real scene as much as possible and simultaneously consider the problems of data migration and system docking after a system is newly built by the third party in the later stage, during the architectural design, the simulation merchant system is required to interact with an intermediate service platform through an external connection communication front end, after payment information is imported, the simulation merchant system also generates a payment information file, the payment information file is sent to a short message platform through the intermediate service platform, then the payment information is sent to a mobile phone of a payment user in a short message mode through the short message platform, and the short message platform also needs to send system information to all subscribers (a mobile phone bank and a wechat bank).

Referring to fig. 3, the offline payment method in the embodiment of the present invention includes:

step 1: the teller maintains the external unit information (namely client information of the consignment collection unit, including unit name, unit address, contact name, mobile phone number, consignment project name, management mechanism, collection account number, transaction abstract and the like) through an off-line payment unit information management module. When the system creates external unit information, an entrusted project is automatically established for an entrusted collection unit, a collection account (namely the collection account, which can be an internal account of a bank or a public settlement account opened by the entrusted unit in the bank) is bound, batch deduction time can be set, and an existing collection platform of the bank can automatically initiate batch deduction requests according to the configured time to complete batch deduction business;

step 2: the teller sets a column name displayed on an offline payment interface through an offline payment interface maintenance module, sets payment bill search items and payment bill display items, and can set payment bill search items and payment bill display items according to terms commonly used in daily life of merchants/users, so that the users can easily finish self-service payment services according to prompt words and column names on the interface without looking up operation manuals when paying;

and step 3: the teller uploads customer information of the payers through an offline payment batch file processing module, can delete the information of the payers in batch, and can upload payment information in batch, wherein the payment information comprises payment items, payment codes, payment amounts, payment ending dates and the like; after the payment information is imported, the background system also sends the payment information to a customer mobile phone (comprising a mobile phone short message and an APP system message) through an off-line payment information notification module;

and 4, step 4: the teller can inquire information such as the amount to be paid and the payment state of the payer through an offline payment information management module, wherein the information comprises detail inquiry and summary inquiry, and when the summary inquiry is carried out, the teller can also carry out invalidation treatment on a certain specified batch;

and 5: the teller can manage payment client information through an offline payment client information management module, and the functions comprise client information inquiry, modification, deletion, data export and the like;

step 6: the user pays the fee to the business network according to the received mobile phone short message, or completes the payment by self-help of the mobile phone bank, the WeChat bank, the general financial convenient point and the ATM/CRS;

and 7: and the single-time on-day offset is used for carrying out on-day offset processing on the single-time payment service finished by the teller terminal. When a bank outlet pays in a single real-time manner, if a transaction error is found to require correction, correction processing can be completed through the existing single daily cancel transaction of a payment platform;

and 8: the teller can transact the entrusted relationship subscription, the subscription account number change or the entrusted relationship release for the payment client through the entrusted relationship maintenance module, and when the payment client subscribes the entrusted withholding protocol, the background system can complete the payment for the client in a batch withholding mode;

and step 9: batch buckling replacement: when a payment client signs a commission withholding protocol, a batch withholding background processing process in the existing withholding system of a bank can initiate batch withholding transactions according to batch withholding time set in an offline withholding unit information management module, and the system can automatically complete batch withholding processing;

step 10: unified account checking: at the end of every day, the existing payment and receipt system of the bank firstly checks accounts with the core accounting system based on the data of the core accounting system, and then checks accounts with the simulated merchant system according to the result of checking accounts with the core accounting system;

step 11: automatic transfer maintenance of the payment fund: when the collected account maintained by the offline payment unit information management module is an internal account of a bank, the teller can complete the automatic transfer parameter maintenance of the payment fund through the automatic transfer maintenance module;

step 12: automatic transfer of the payment fund: when the collected account number maintained in the offline payment unit information management module is an internal account number of a bank, the intermediate service platform transfers the payment fund from the internal collected account number to a public account designated by a consignment unit according to the configured automatic transfer parameters of the payment fund.

Referring to fig. 4, a system deployment diagram of the present invention is shown, in which an offline payment agency service is completed through a newly-built simulated merchant system based on an existing payment agency platform of a bank. The added counter transaction is deployed on the existing front-end server, and the background subsystem is directly deployed on the existing intermediate service application server without adding any hardware equipment.

The collecting and paying service has stronger service driving capability and value creation capability, is beneficial to enhancing the client viscosity, consolidating the client foundation of the bank, expanding public deposit and increasing the income of intermediate service; is beneficial to the cross marketing of personal customer series products. The demand that users pay various daily expenses through various platforms exists for a long time, the commission payment service brings the commission income of banks to be stable for a long time, the commission payment service is in a basic and strategic position in banks, huge business opportunities are hidden, market competition rights are mastered, science and technology are viewed in a critical mode, only if the science and technology are supported in place, the service development is more effective, and products are more competitive.

According to the simulated merchant system based on the existing collection and payment platform of the bank, a merchant does not need to establish an information system, and the collection and payment function is completely realized through an internal system of the bank, so that great convenience is provided for the collection and payment service of vast small and micro enterprise and public institution, the customer satisfaction is improved, and the industry competitiveness and the brand value of the bank are also improved.

The above description is only an example of the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (2)

1. An off-line payment-taking system based on a payment-taking-up platform comprises a transaction terminal and a bank payment-taking-up platform,

the transaction terminal comprises: a teller terminal and a customer terminal;

the bank collecting and paying platform comprises:

the single real-time payment module is used for handling a single payment service;

the single-day cancellation module is used for performing cancellation processing on a single real-time payment service finished by the teller terminal on the same day;

the system comprises a consignment relationship maintenance module, a client-side management module and a background system, wherein the consignment relationship maintenance module is used for transacting consignment relationship subscription, signed account number change or consignment relationship relief for a payment client;

the batch withholding module is used for completing batch withholding service for the client, and under the condition that the payment client signs a proxy agreement, the background system completes payment for the client in a batch withholding mode;

the system comprises a uniform reconciliation module, a background system and a reconciliation processing module, wherein the uniform reconciliation module is used for reconciliation among systems, and the background system automatically checks transaction data of the systems after business is ended every day to generate a reconciliation result;

the automatic transfer maintenance module of the payment fund is used for configuring transfer parameters of the payment fund;

the automatic transfer module of the payment funds on behalf of the user is used for transferring the payment funds on behalf of the user from the internal collecting account of the bank to the designated collection account of the merchant according to the parameters configured by the automatic transfer maintenance module of the payment funds on behalf of the user;

the method is characterized in that: the system also comprises a simulated merchant module;

the simulated merchant module comprises:

the off-line payment unit information management module is used for establishing entrusted collection unit information, and when the system establishes merchant information, an entrusted project is automatically established for the entrusted unit, and a collection account is bound;

the off-line payment client information management module is used for managing payment client information and comprises client information inquiry, modification, deletion and data export functions;

the off-line payment information management module is used for payment information management and comprises functions of payment information inquiry, payment batch invalidation and data export;

the off-line payment interface maintenance module is used for setting the field name of the payment interface, and customizing the transaction interface in a personalized way according to the terms commonly used in the daily life of a merchant or a user, so that the operation of the user is facilitated;

the offline payment batch file processing module is used for adding or deleting information of payers in batches and uploading arrearage information in batches;

and the offline payment information notification module is used for sending the payment items, the payment serial numbers, the payment amount and the payment ending date information to the client in a mobile phone short message or APP system message mode to remind the client of paying in time.

2. The offline payment brokerage method based on a payment brokerage platform according to claim 1, wherein: the method comprises the following steps:

step 1: the teller maintains the external unit information through an 'offline payment unit information management module', when the system creates the external unit information, a consignment project is automatically established for the consignment collection unit, a collection account is bound, batch deduction time is set, and a bank payment and collection platform automatically initiates batch deduction requests according to the configured time to complete batch deduction services;

step 2: the teller sets a column name displayed on an offline payment interface through an offline payment interface maintenance module, sets payment bill search items and payment bill display items, and sets payment bill search items and payment bill display items according to terms commonly used in daily life of a merchant or a user, so that the user can finish self-service payment service according to a prompt word and the column name on the interface without looking up an operation manual when paying;

and step 3: the teller uploads the customer information of the payer through an offline payment batch file processing module, wherein the payment information comprises payment items, payment codes, payment amount and payment deadline; after the payment information is imported, the background system also sends the payment information to a client mobile phone through an off-line payment information notification module;

and 4, step 4: the teller inquires the amount to be paid and the payment state information of the payer through an offline payment information management module, the information comprises detail inquiry and summary inquiry, and the teller can also perform invalidation processing on a certain specified batch during the summary inquiry;

and 5: the teller manages payment client information through an 'offline payment client information management module', and the management comprises client information inquiry, modification, deletion and data export functions;

step 6: the user pays the fee to the business network according to the received mobile phone short message, or completes the payment by self-help of the mobile phone bank, the WeChat bank, the general financial convenient point and the ATM/CRS;

and 7: the single-time on-day offset is used for carrying out on-day offset processing on the single-time payment service finished by the teller terminal; when a bank outlet pays in a single real-time manner, if a transaction error is found to require correction, correction processing can be completed through the existing single daily cancel transaction of a payment platform;

and 8: the teller can transact the entrusted relationship subscription, the subscription account number change or the entrusted relationship release for the payment client through the entrusted relationship maintenance module, and when the payment client subscribes the entrusted withholding protocol, the background system can complete the payment for the client in a batch withholding mode;

and step 9: batch buckling replacement: when a payment client signs a commission withholding protocol, a batch withholding background processing process in the bank withholding system initiates batch withholding transactions according to batch withholding time set in an offline payment unit information management module, and the system can automatically complete batch withholding processing;

step 10: unified account checking: at the end of every day, the existing payment and receipt system of the bank firstly checks accounts with the core accounting system based on the data of the core accounting system, and then checks accounts with the simulated merchant system according to the result of checking accounts with the core accounting system;

step 11: automatic transfer maintenance of the payment fund: when the collected account maintained by the offline payment unit information management module is an internal account of the bank, the teller completes the automatic transfer parameter maintenance of the payment fund through the automatic transfer maintenance module;

step 12: automatic transfer of the payment fund: when the collected account number maintained in the offline payment unit information management module is an internal account number of a bank, the intermediate service platform transfers the payment fund from the internal collected account number to a public account designated by a consignment unit according to the configured automatic transfer parameters of the payment fund.

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