CN111598557A - Comprehensive payment service system - Google Patents

Comprehensive payment service system Download PDF

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Publication number
CN111598557A
CN111598557A CN202010359128.2A CN202010359128A CN111598557A CN 111598557 A CN111598557 A CN 111598557A CN 202010359128 A CN202010359128 A CN 202010359128A CN 111598557 A CN111598557 A CN 111598557A
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information
user
module
unit
network access
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徐杰
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Shanghai Handpay Information & Technology Co ltd
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Shanghai Handpay Information & Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party

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  • Accounting & Taxation (AREA)
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  • Engineering & Computer Science (AREA)
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Abstract

The invention discloses a comprehensive payment service system, which particularly comprises a login module, a registration module, a user management module, a role management module, an operation log module, a quick network access module, a self-service module, an order management module and a business management module. Through the technical scheme, the one-stop payment service requirement of the user can be met, meanwhile, the information uploading optimization and the credit auditing optimization are greatly performed on the new user network access link, the speed of the credit auditing and the subsequent signing is improved, one-time interactive fast network access can be realized, the use experience of the user is improved, and the method has wide popularization.

Description

Comprehensive payment service system
Technical Field
The invention relates to the field of electronic commerce, in particular to a comprehensive payment service system.
Background
With the rapid development of the internet, the rise of internet payment enables more and more merchants and payment companies to select to access payment channels, the payment channels are divided into banks and third-party channels, and the transaction types, transaction limits, rates and payment success rates of different payment channels are different.
At present, payment channels are designed for solving specific business purposes as required by single business purposes, cannot be well adapted to other businesses, and in the prior art, a complete payment channel management system integrating user login, user management, role management, audit log query, channel reconciliation data preparation, channel information management, channel transaction management, emergency processing functions and the like does not exist. Therefore, a system that can fulfill the user's one-stop payment service needs is highly desirable.
Disclosure of Invention
Aiming at the problems in the prior art, a comprehensive payment service system is provided, and the specific technical scheme is as follows:
a comprehensive payment service system specifically comprises:
the login module is used for providing a login entrance for a user to log in the comprehensive payment service system;
the registration module is used for providing a registration entrance for a new user to register a login account for logging in the comprehensive payment service system;
the user management module is used for inquiring, adding, editing, freezing and resetting the password for the user list and the user information of the user and operating the user function and the user role identity;
the role management module is used for inquiring, adding, editing and deleting the role list and the role information of the user and operating the role function of the user;
the operation log module is used for providing a log query page for querying any operation behavior of the user on the comprehensive payment service system and exporting the operation log;
the quick network access module comprises an information input sub-module, a settlement and qualification sub-module and a credit auditing sub-module;
the information input submodule is used for acquiring the network access application information provided by the user
The settlement and qualification sub-module is used for selectively proving according to settlement channel information in the network access application information;
the credit auditing submodule is used for auditing the credit according to the network access application information, feeding back an auditing result, and opening a corresponding merchant account when the auditing result is that the auditing is passed;
the self-service module comprises a payment channel configuration submodule and a self-service joint debugging submodule;
the payment channel configuration sub-module is used for inquiring, adding, editing and deleting the payment channel corresponding to the merchant account and configuring corresponding payment parameters for the payment channel;
the self-service joint debugging submodule is used for selecting a corresponding test interface according to the payment parameters and initiating a self-service joint debugging transaction;
the product display module is used for providing a product display platform for a user;
the order management module is used for carrying out classification statistics, state updating and query on the order state corresponding to the product purchase transaction carried out by the user, and storing and querying invoice information corresponding to the product purchase transaction;
and the business management module is used for counting and inquiring the transaction amount of the product purchase transaction of the user.
Preferably, the integrated payment service system, wherein the information entry sub-module further comprises:
the enterprise information input unit is used for acquiring enterprise basic information required to be provided by a user;
the system comprises a personnel information input unit, a service information input unit and a service information input unit, wherein the personnel information input unit is used for acquiring personnel information which is required to be provided by a user and corresponds to enterprise basic information, and the personnel information comprises legal person information, income owner information and responsible person information;
the settlement account recording unit is used for acquiring and binding a settlement account required to be provided by a user;
the product opening selection unit is used for acquiring opening product selection information required to be provided by a user;
and the subscription information recording unit is used for acquiring the resident qualification information required to be provided by the user.
Preferably, the integrated payment service system, wherein the settlement and qualification module further comprises:
the first judgment unit is used for judging whether the settlement account belongs to the public account or not and outputting a first judgment result;
and the verification unit is used for verifying the public account when the settlement account belongs to the public account according to the first judgment result.
Preferably, in the integrated payment service system, the fast network access module further includes a pre-subscription sub-module;
the pre-signing sub-module further comprises:
a second judging unit, for judging whether the parking qualification information is complete, and outputting a second judging result;
a pre-signing initiating unit which automatically sends a pre-signing short message to the user when the resident qualification information is complete according to the second judgment result;
and the pre-signing receiving unit is used for receiving feedback information of the user on the pre-signing short message and generating a one-way signing electronic contract according to the feedback information.
Preferably, the integrated payment service system, wherein the credit auditing sub-module further comprises:
a third judging unit, which performs credit check according to the network access application information, judges whether the network access application information passes the credit check and outputs a third judging result;
a fourth judging unit, which judges whether the applicant corresponding to the network access application information belongs to a preset blacklist or not according to the third judging result when the network access application information does not pass the credit check, and outputs a fourth judging result;
the information updating unit is used for outputting a corresponding supplementary modification suggestion according to a third judgment result when the applicant does not belong to the preset blacklist according to a fourth judgment result, updating the network access application information according to the supplementary modification of the user and sending the updated network access application information to the third judgment unit again;
a signing unit, which initiates an electronic signing process and generates a bidirectional signing electronic contract according to the unidirectional signing electronic contract when the network access information passes credit check according to the third judgment result;
and the account opening unit completes the opening of the corresponding merchant account according to the two-way signed electronic contract and the opening product selection information.
Preferably, in the integrated payment service system, the third determining unit performs credit verification on the enterprise basic information through an external enterprise information query system.
Preferably, in the comprehensive payment service system, the third determination unit performs credit verification on the person information through the OCR identity card identification subunit.
Preferably, the integrated payment service system, wherein the role management module further comprises:
a role inquiry unit for inquiring the role list of the user;
and the editing role unit is connected with the inquiry role unit and used for adding, editing and deleting role information in the role list.
Preferably, in the integrated payment service system, the role management module further includes a role adding unit, configured to manage a plurality of users according to the role information, and automatically add all functions of a role after a user who joins any role joins the role.
This technical scheme has following advantage and beneficial effect:
through the technical scheme, the one-stop payment service requirement of the user can be met, meanwhile, the information uploading optimization and the credit auditing optimization are greatly performed on the new user network access link, the speed of the credit auditing and the subsequent signing is improved, one-time interactive fast network access can be realized, the use experience of the user is improved, and the method has wide popularization.
Drawings
Fig. 1 is a schematic structural diagram of a comprehensive payment service system according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and 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.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
The invention is further described with reference to the following drawings and specific examples, which are not intended to be limiting.
Aiming at the problems in the prior art, a comprehensive payment service system is provided, and the specific technical scheme is as follows:
a comprehensive payment service system, as shown in fig. 1, specifically includes:
the login module 1 is used for providing a login entrance for a user to log in the comprehensive payment service system;
a registration module 2, which is used for providing a registration entrance for a new user to register a login account for logging in the comprehensive payment service system;
a user management module 3, which is used for inquiring, adding, editing, freezing and resetting the password for the user list and the user information of the user, and operating the user function and the user role identity;
a role management module 4, which is used for inquiring, adding, editing and deleting the role list and the role information of the user and operating the role function of the user;
an operation log module 5, which is used for providing a log query page for querying any operation behavior of the user on the comprehensive payment service system and exporting the operation log;
a fast network access module 6, which comprises an information input submodule 61, a settlement and verification submodule 62 and a credit auditing submodule 63;
the information input sub-module 61 is used for obtaining the network access application information provided by the user
The settlement and qualification sub-module 62 is used for selectively qualification according to the settlement channel information in the network access application information;
the credit auditing submodule 63 is used for auditing the credit according to the network access application information, feeding back an auditing result, and opening a corresponding merchant account when the auditing result is that the auditing is passed;
a self-service module 7, which comprises a payment channel configuration submodule 71 and a self-service joint debugging submodule 72;
the payment channel configuration submodule 71 is configured to query, add, edit and delete a payment channel corresponding to a merchant account, and configure corresponding payment parameters for the payment channel;
the self-service joint debugging submodule 72 is used for selecting a corresponding test interface according to the payment parameters and initiating a self-service joint debugging transaction;
a product display module 8 for providing a product display platform to a user;
an order management module 9, which is used for performing classification statistics, state updating and query on the order state corresponding to the product purchase transaction performed by the user, and storing and querying the invoice information corresponding to the product purchase transaction;
and the business management module 10 is used for counting and inquiring the transaction amount of the product purchase transaction of the user.
In a preferred embodiment, the comprehensive payment service system, wherein the information entry sub-module 61 further includes:
the enterprise information input unit is used for acquiring enterprise basic information required to be provided by a user;
the system comprises a personnel information input unit, a service information input unit and a service information input unit, wherein the personnel information input unit is used for acquiring personnel information which is required to be provided by a user and corresponds to enterprise basic information, and the personnel information comprises legal person information, income owner information and responsible person information;
the settlement account recording unit is used for acquiring and binding a settlement account required to be provided by a user;
the product opening selection unit is used for acquiring opening product selection information required to be provided by a user;
and the subscription information recording unit is used for acquiring the resident qualification information required to be provided by the user.
In a preferred embodiment of the present invention, the information entry sub-module 61 in the integrated payment service system is further defined: the information input sub-module 61 comprises an enterprise information input unit, a personnel information input unit, a settlement account input unit, a product opening selection unit and a signing information input unit, and information required to be submitted by a user in the process of applying for quick network access is standardized through the setting of the information input sub-unit.
In a preferred embodiment, the integrated payment service system, wherein the settlement and verification sub-module 62 further comprises:
the first judgment unit is used for judging whether the settlement account belongs to the public account or not and outputting a first judgment result;
and the verification unit is used for verifying the public account when the settlement account belongs to the public account according to the first judgment result.
In another preferred embodiment of the present invention, in the integrated payment system, for the public account of the settlement account, the verification operation is required: for the public account, the user needs to check the money after receiving the prompt, the first judging unit enters a corresponding money checking process according to whether the user selects a money checking option, the public account is paid through the comprehensive payment system, the user refills the money paid to the comprehensive payment system, and the authenticity of the account and the control force of the user on the account can be quickly confirmed.
In another preferred embodiment of the present invention, in the integrated payment system, the user can also initiate a verification operation on the public account at his own initiative: when a user initiates an active check-out operation, a check-out unit checks an active check-out application sent by the user according to system rules, if the check-out is not passed, the check-out is transferred to a passive check-out flow, if the check-out is passed, a spacious bank check-out special merchant initiates a public payment transaction, then the user accounts the public account amount and receives the account entry notice, at the moment, the user backfills the fund to be paid, the comprehensive payment system inquires the payment amount by calling a payment-substituting inquiry interface, if the money amounts are consistent, the check-out operation is finished, if the money amounts are inconsistent, the passive check-out flow is transferred again, and the user is required to be killed in the passive check-out operation to carry out the payment check-out operation automatically.
In a preferred embodiment, the integrated payment service system, wherein the fast network access module 6 further includes a pre-subscription sub-module;
the pre-signing sub-module further comprises:
a second judging unit, for judging whether the parking qualification information is complete, and outputting a second judging result;
a pre-signing initiating unit which automatically sends a pre-signing short message to the user when the resident qualification information is complete according to the second judgment result;
and the pre-signing receiving unit is used for receiving feedback information of the user on the pre-signing short message and generating a one-way signing electronic contract according to the feedback information.
In another preferred embodiment of the present invention, the fast network access module 6 further includes a pre-signing sub-module, which can pre-provide a pre-signed electronic contract according to the parking information provided by the user to obtain the one-way signing intention of the user, so that after the credit check is passed, only the verifier completes the electronic contract to form the two-way signing intention, and can complete the network access procedure once.
In a preferred embodiment, the integrated payment service system, wherein the credit auditing submodule 63 further includes:
a third judging unit, which performs credit check according to the network access application information, judges whether the network access application information passes the credit check and outputs a third judging result;
a fourth judging unit, which judges whether the applicant corresponding to the network access application information belongs to a preset blacklist or not according to the third judging result when the network access application information does not pass the credit check, and outputs a fourth judging result;
the information updating unit is used for outputting a corresponding supplementary modification suggestion according to a third judgment result when the applicant does not belong to the preset blacklist according to a fourth judgment result, updating the network access application information according to the supplementary modification of the user and sending the updated network access application information to the third judgment unit again;
a signing unit, which initiates an electronic signing process and generates a bidirectional signing electronic contract according to the unidirectional signing electronic contract when the network access information passes credit check according to the third judgment result;
and the account opening unit completes the opening of the corresponding merchant account according to the two-way signed electronic contract and the opening product selection information.
In another preferred embodiment of the present invention, the credit auditing submodule 63 further screens and distinguishes the network access application information that temporarily fails the credit auditing, if the applicant corresponding to the network access application information that fails the credit auditing is in a preset blacklist, the applicant is directly rejected and exits the network access auditing process, and for the applicant that is not in the blacklist, a corresponding correction notice and suggestion are provided for the problem found in the credit auditing link, so as to assist the applicant to fill in and submit the secondary material.
In a preferred embodiment, the third determining unit performs credit verification on the enterprise basic information through an external enterprise information query system.
In a preferred embodiment, the comprehensive payment service system, wherein the third determining unit performs credit verification on the person information through the OCR identity card identifying subunit.
In another preferred embodiment of the invention, the comprehensive payment service system automatically queries and verifies the enterprise information and the personnel information input by the user through an external enterprise information query system and an OCR identification card recognition system respectively, thereby simplifying the process of credit verification and improving the speed of the credit verification link.
As a preferred embodiment, the integrated payment service system, wherein the role management module 4 further comprises:
a role inquiry unit for inquiring the role list of the user;
and the editing role unit is connected with the inquiry role unit and used for adding, editing and deleting role information in the role list.
In a preferred embodiment, the role management module 4 further includes a role adding unit, configured to manage a plurality of users according to the role information, and automatically add all functions of a role after a user who joins any role joins the role.
A specific embodiment is now provided to further explain and explain the present technical solution:
in a specific embodiment of the present invention, the comprehensive payment service system can meet the demand of one-stop payment service of a user, and the technical solution can mainly achieve fast network access of a new user, and complete all network access signing procedures through one-time interaction, wherein:
a user firstly logs in the comprehensive payment service system and enters a corresponding quick network access flow page, corresponding enterprise basic information and corresponding personnel information are input into the page, wherein the personnel information comprises identity information of enterprise legal persons, income owners, enterprise responsible persons and the like, and simultaneously, possibly stored materials such as shop photographs and the like are selectively uploaded to serve as supplementary application materials; after basic application information is uploaded, account binding in a settlement mode is carried out, at the moment, if the bound account is a private account, the next step can be directly carried out without other processing, if the bound account is a public account, money printing and verification are carried out, and the backfilling and verification amount of a client who actively prints money is adopted, so that the authenticity of the account and the control power of the client on the account can be quickly confirmed; and then sending out a pre-signed contract according to the application information of the user, and simultaneously carrying out credit verification on the application information, wherein the time consumed for the credit verification cannot exceed 15 minutes, feeding back a credit verification result in time, if the verification is not passed, feeding back a compensation suggestion or directly quitting according to whether the application passes the credit verification, and opening an online merchant number for the application passing the credit verification so as to realize online verification.
In conclusion, by the technical scheme, the one-stop payment service requirement of the user can be met, meanwhile, the information uploading optimization and the credit verification optimization are greatly performed on the new user network access link, the credit verification and subsequent signing speeds are improved, one-time interactive fast network access can be realized, the use experience of the user is improved, and the method and the device have wide popularization.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention.

Claims (9)

1. A comprehensive payment service system is characterized by specifically comprising:
the login module is used for providing a login entrance for a user to log in the comprehensive payment service system;
the registration module is used for providing a registration entrance for a new user to register a login account for logging in the comprehensive payment service system;
the user management module is used for inquiring, adding, editing, freezing and resetting the password for the user list and the user information of the user and operating the user function and the user role identity;
the role management module is used for inquiring, adding, editing and deleting the role list and the role information of the user and operating the role function of the user;
the operation log module is used for providing a log query page for querying any operation behavior of the user on the comprehensive payment service system and exporting the operation log;
the quick network access module comprises an information input sub-module, a settlement and qualification sub-module and a credit auditing sub-module;
the information input submodule is used for acquiring the network access application information provided by the user
The settlement and qualification sub-module is used for selectively proving according to settlement channel information in the network access application information;
the credit auditing submodule is used for auditing the credit according to the network access application information, feeding back an auditing result, and opening a corresponding merchant account when the auditing result is that the auditing is passed;
the self-service module comprises a payment channel configuration submodule and a self-service joint debugging submodule;
the payment channel configuration sub-module is used for inquiring, adding, editing and deleting the payment channel corresponding to the merchant account and configuring corresponding payment parameters for the payment channel;
the self-service joint debugging submodule is used for selecting a corresponding test interface according to the payment parameters and initiating a self-service joint debugging transaction;
the product display module is used for providing a product display platform for a user;
the order management module is used for carrying out classification statistics, state updating and query on order states corresponding to product purchase transactions carried out by users, and storing and querying invoice information corresponding to the product purchase transactions;
and the business management module is used for counting and inquiring the transaction amount of the product purchase transaction of the user.
2. The integrated payment service system of claim 1, wherein the information entry sub-module further comprises:
the enterprise information input unit is used for acquiring enterprise basic information required to be provided by a user;
the system comprises a personnel information input unit, a business information input unit and a business information output unit, wherein the personnel information input unit is used for acquiring personnel information which is required to be provided by a user and corresponds to the enterprise basic information, and the personnel information comprises legal person information, income owner information and responsible person information;
the settlement account recording unit is used for acquiring and binding a settlement account required to be provided by a user;
the product opening selection unit is used for acquiring opening product selection information required to be provided by a user;
and the subscription information recording unit is used for acquiring the resident qualification information required to be provided by the user.
3. The integrated payment service system of claim 1, wherein the settlement funding sub-module further comprises:
the first judgment unit is used for judging whether the settlement account belongs to a public account and whether the user initiates active verification, and outputting a first judgment result;
and the verification unit verifies the settlement account when the settlement account belongs to the public account or the user initiates the active verification according to the first judgment result.
4. The integrated payment service system of claim 1, wherein the quick network entry module further comprises a pre-sign-up sub-module;
the pre-signing sub-module further comprises:
a second judging unit, configured to judge whether the parking qualification information is complete, and output a second judgment result;
a pre-signing initiating unit, which automatically sends a pre-signing short message to the user when the resident qualification information is complete according to the second judgment result;
and the pre-signing receiving unit is used for receiving feedback information of the user on the pre-signing short message and generating a one-way signing electronic contract according to the feedback information.
5. The integrated payment service system of claim 1, wherein the credit audit sub-module further comprises:
a third judging unit, which performs credit check according to the network access application information, judges whether the network access application information passes the credit check, and outputs a third judgment result;
a fourth judging unit, configured to judge whether an applicant corresponding to the network access application information belongs to a preset blacklist and output a fourth judgment result according to the third judgment result when the network access application information fails to pass the credit audit;
an information updating unit, configured to output a corresponding supplementary modification suggestion according to the third determination result when the applicant does not belong to the preset blacklist according to the fourth determination result, update the network access application information according to the supplementary modification of the user, and resend the updated network access application information to the third determination unit;
a signing unit, according to the third judgment result, when the network access information passes the credit audit, initiating an electronic signing process and generating a bidirectional signing electronic contract according to the unidirectional signing electronic contract;
and the account opening unit completes the opening of the corresponding merchant account according to the two-way signed electronic contract and the opening product selection information.
6. A comprehensive payment service system as claimed in claim 5, wherein the third judging unit performs credit verification on the basic information of the enterprise through an external enterprise information inquiry system.
7. The integrated payment service system of claim 5, wherein the third judging unit performs credit verification on the personnel information through an OCR identification card recognition subunit.
8. The integrated payment service system of claim 1, wherein the role management module further comprises:
a role inquiry unit for inquiring the role list of the user;
and the editing role unit is connected with the inquiry role unit and used for adding, editing and deleting the role information in the role list.
9. The integrated payment service system of claim 8, wherein the character management module further comprises a character adding unit for managing a plurality of the users according to the character information, and automatically adding all functions of the character after a user who joins any one character.
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CN112907180A (en) * 2021-03-07 2021-06-04 上海上南复盘物流设备集团有限公司 Internet-based shared cloud disk management system

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