CN111640006B - Bank payment method and device, terminal and storage medium - Google Patents

Abstract

The present invention relates to the field of artificial intelligence technology, and proposes a bank collection and payment method, device, terminal and storage medium. The method includes: receiving a payment processing request from a business system of a merchant and analyzing and obtaining the payment processing business of each payment processing enterprise Type; based on the agency payment processing business type, call the configuration agency payment processing quota interface to configure the quota for the first account of each agency payment processing company; after the quota configuration process, according to the agency payment processing business type and proxy The payment processing mode of the payment processing business type generates and verifies different payment processing instructions; after the verification is passed, the payment processing instruction is triggered to perform payment processing, and the payment processing results are returned to the merchant business system. The present invention configures the payment processing quota according to the attribute of the payment processing business type of the payment processing enterprise, and performs customized configuration on the payment processing enterprise, thereby improving the capital turnover rate and utilization rate of merchants.

Description

Method, device, terminal and storage medium for bank collection and payment

technical field

The invention relates to the technical field of banking systems, in particular to a method, device, terminal and storage medium for bank collection and payment.

Background technique

In the traditional technology, the bank payment processing channel of the payment processing business includes the PBOC’s large and small amount system, the PBOC’s super online banking system, and the UnionPay system. It is impossible to carry out cross-day automatic settlement according to the business model corresponding to the payment processing business type, and the bank needs to manually transfer funds to the UnionPay clearing account, resulting in low efficiency of fund settlement.

In addition, in the process of insufficient funds in the payment processing account, the funds allocation between multiple accounts in the merchant business system was not considered, and the system required manual intervention to complete the fund allocation, resulting in low efficiency of payment processing and the merchant's funds. The utilization rate and turnover rate are reduced, and professional customized configuration cannot be realized.

Contents of the invention

In view of the above, it is necessary to propose a bank collection and payment method, device, terminal and storage medium, by performing payment processing quota configuration processing according to the payment processing business type of the payment processing enterprise according to the attributes of the payment processing business type, For payment processing enterprises, professional customized configuration has been realized, which has improved the capital turnover rate and utilization rate of merchants.

A first aspect of the present invention provides a method for bank collection and payment, the method comprising:

Receive a payment processing request from the business system of the merchant, wherein each payment processing request carries a plurality of payment processing information;

Analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise;

Based on the payment processing business type of each payment processing company, the interface for configuring the payment processing quota is invoked to configure the quota for the first account of each payment processing company;

When the quota configuration processing success message of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type ;

Verifying each of the payment processing instructions to obtain a verification result;

When it is determined that the verification result is verified as passed, the proxy payment processing instruction is triggered to perform proxy payment processing, and the proxy payment processing result is returned to the merchant business system.

Preferably, the calling the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is the service type of receiving first and paying later, acquiring the value of the amount in the second account of the merchant;

Acquiring the numerical value of the first payment processing amount of the payment processing enterprise on behalf of the payment processing company;

Comparing the value of the amount in the second account of the merchant with the amount of the first payment processing amount;

When the comparison shows that the amount in the second account of the merchant is greater than or equal to the value of the first payment processing amount, call the interface for configuring the payment processing amount from the second account and configure the same amount as the first payment processing amount. The amount equivalent to the payment processing amount is transferred to the interface first account corresponding to the first account of the payment processing enterprise.

Preferably, the bank collection and payment method also includes:

When the comparison shows that the value of the amount in the second account of the merchant is less than the value of the first payment processing amount, a notification message that the value of the amount in the second account is insufficient is sent to the merchant, wherein the The notification message includes the serial number of the payment processing company, the name of the payment processing company, the value of the first payment processing amount of the payment processing company, and the balance of the second account.

Preferably, the calling the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is an advance service type, obtain the third account information and redemption instruction of the merchant;

Acquiring the numerical value of the second payment processing amount for the payment processing enterprise on behalf of the payment processing enterprise;

calculating the total amount of funds in the third account information based on the redemption instruction;

Comparing the total amount of funds with the value of the second payment processing amount;

When the comparison shows that the total amount of funds is greater than or equal to the value of the second payment processing amount, transfer the redemption instruction and the consumption share equivalent to the total amount of the second payment processing funds to the preset fourth account;

Calling the interface for configuring the payment processing quota to configure the amount equivalent to the second payment processing amount from the preset fourth account to the first account of the interface corresponding to the first account of the payment processing enterprise.

Preferably, the bank collection and payment method also includes:

When the comparison shows that the total amount of funds is less than the value of the second payment processing amount, calculate the difference between the total amount of funds and the value of the second payment processing amount to obtain the missing funds;

The start-up fund processing program transfers the missing funds from the account of the merchant with an excess value to the preset fourth account;

When the preset fourth account receives the transfer of the missing funds into the account, call the configuration agent payment processing amount interface to configure the value of the second agent payment processing amount, etc. from the preset fourth account value to the interface corresponding to the first account of the payment processing company.

Preferably, said verifying said payment processing instruction to obtain a verification result includes:

Analyzing the payment processing instruction, and obtaining the first account of the payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;

If the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, the verification result is obtained;

If the comparison between the first account of the payment processing enterprise in the payment processing instruction and the first account of the payment processing enterprise read from the payment processing request is inconsistent, a result of verification failure is obtained.

Preferably, the parsing of the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise includes:

Decompose each payment processing information into multiple field information in preset formats according to preset parsing rules;

Identify the plurality of field information to obtain the payment processing business type of each payment processing enterprise.

The second aspect of the present invention provides a bank collection and payment device, the bank collection and payment device includes:

The receiving module is configured to receive a payment processing request from the business system of the merchant, wherein each payment processing request carries a plurality of payment processing information;

An analysis module, configured to analyze the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise;

The configuration module is used to call the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise;

The generating module is used to generate a different payment processing business type according to the payment processing business type of each payment processing company and the payment processing mode of the payment processing business type when receiving the quota configuration processing success message of each payment processing company. payment processing instructions;

A verification module, configured to verify each of the payment processing instructions to obtain a verification result;

The proxy payment processing module is configured to trigger the proxy payment processing instruction to perform proxy payment processing when it is determined that the verification result is verified, and return the proxy payment processing result to the merchant business system.

A third aspect of the present invention provides a terminal, the terminal includes a processor, and the processor is configured to implement the bank collection and payment method when executing a computer program stored in a memory.

A fourth aspect of the present invention provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the bank collection and payment method is implemented.

In summary, a method, device, terminal, and storage medium for bank collection and payment according to the present invention, on the one hand, perform payment according to the payment processing business type of the payment processing enterprise according to the attributes of the payment processing business type Processing quota configuration processing, realizes professional customized configuration for payment processing enterprises, facilitates the capital turnover of the merchants, and improves the capital turnover rate and utilization rate of the merchants; on the other hand, in the equity accounts of the merchants If there is not enough funds to pay the merchant’s payment processing transaction, the fund processing program will calculate the missing funds and automatically transfer them from other accounts with excess amounts to the preset advance fund account. Due to the existence of fund processing, the system does not need manual work Intervention can complete the merchant's fund payment processing process, ensuring that the bank's payment processing is completed smoothly and orderly, and reducing labor costs; The agency payment processing mode can realize different agency payment processing and clearing. If the agency payment processing business type is the advance service type, the agent payment processing mode corresponding to the advance service type can realize cross-day settlement on behalf of the merchant's account. Payment processing and settlement does not require the bank to manually transfer funds to the UnionPay clearing account, which improves the efficiency of fund settlement.

Description of drawings

Fig. 1 is a flow chart of the method for bank collection and payment provided by Embodiment 1 of the present invention.

Fig. 2 is a structural diagram of the bank collection and payment device provided by the second embodiment of the present invention.

FIG. 3 is a schematic structural diagram of a terminal provided by Embodiment 3 of the present invention.

The following specific embodiments will further illustrate the present invention in conjunction with the above-mentioned drawings.

Detailed ways

In order to more clearly understand the above objects, features and advantages of the present invention, the present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field of the invention. The terms used herein in the description of the present invention are for the purpose of describing specific embodiments only, and are not intended to limit the present invention.

Embodiment one

Fig. 1 is a flow chart of the method for bank collection and payment provided by Embodiment 1 of the present invention.

In this embodiment, the bank collection and payment method can be applied to a terminal. For a terminal that needs to perform bank collection and payment, the bank collection and payment function provided by the method of the present invention can be directly integrated on the terminal, or It runs in the terminal in the form of a Software Development Kit (SKD).

As shown in FIG. 1 , the bank collection and payment method specifically includes the following steps. According to different requirements, the order of the steps in the flow chart can be changed, and some of them can be omitted.

S11: Receive a payment processing request from the business system of the merchant, wherein each payment processing request carries a plurality of payment processing information.

In this embodiment, the agency payment processing business refers to the business in which the bank accepts the entrustment of the merchant to handle the agency payment processing matters of the specified funds according to the agreement with the entrusting unit, and the bank issues the funds on behalf of the entrusting unit according to the list provided by the entrusting unit. It mainly includes payment of wages, insurance premiums, reimbursement, etc.

S12: Analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise.

In this embodiment, the payment processing business type refers to the business type corresponding to the payment from the merchant to each payment processing enterprise, and the payment processing business type includes: payment service type and advance payment service type, When acquiring the multiple payment processing information, analyze each of the payment processing information to obtain the payment processing service type corresponding to each payment processing enterprise.

Preferably, the parsing of the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise includes:

Decompose each payment processing information into multiple field information in preset formats according to preset parsing rules;

Identify the plurality of field information to obtain the payment processing business type of each payment processing enterprise.

In this embodiment, each of the agency payment processing information includes information such as merchant nature, merchant account, agency payment processing company name, agency payment processing company type, etc., and the preset parsing rules are based on different agent Different rules corresponding to the payment processing information are pre-set, and according to the preset parsing rules, each of the payment processing information is decomposed into a plurality of field information in a preset format, and each field information is identified from the field information The payment processing business type corresponding to a payment processing enterprise.

S13: Based on the payment processing business type of each payment processing enterprise, call the interface for configuring the payment processing quota, and perform quota configuration processing on the first account of each payment processing enterprise.

In this embodiment, each payment processing enterprise corresponds to a different payment processing business type, and each payment processing business type corresponds to a different configuration payment processing quota interface, and the corresponding configuration agent is called according to the different payment processing business types. Quota configuration processing is performed through the interface of payment processing quota.

Preferably, the calling the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is the service type of receiving first and paying later, acquiring the value of the amount in the second account of the merchant;

Acquiring the numerical value of the first payment processing amount of the payment processing enterprise on behalf of the payment processing company;

Comparing the value of the amount in the second account of the merchant with the amount of the first payment processing amount;

When the comparison shows that the amount in the second account of the merchant is greater than or equal to the value of the first payment processing amount, call the interface for configuring the payment processing amount from the second account and configure the same amount as the first payment processing amount. The amount equivalent to the payment processing amount is sent to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, the service type of receiving first and paying later means that the merchant first prepares to pay the funds to the second account of the bank, and the bank payment processing platform compares the value of the amount in the second account to the second account of the bank. Compare the value of the first payment processing amount of the processing enterprise on behalf of the payment, and confirm whether to configure the amount value for the interface corresponding to the first account of the payment processing enterprise according to the comparison result. When receiving the payment processing When the interface corresponding to the enterprise's first account returns a passing message, it is determined that the payment processing enterprise's quota configuration process is successful, and it can be determined that the amount in the merchant's second account is sufficient, and at the same time it is calculated that the merchant is the The agency payment processing enterprise pays the balance in the second account after agency payment processing.

Further, the method also includes:

When the value of the amount in the second account of the merchant is smaller than the value of the first payment processing amount, it is determined that the quota allocation process for the first account of the payment processing enterprise has failed;

Sending a notification message that the amount in the second account is insufficient to the merchant, wherein the notification message includes the number of the payment processing company, the name of the payment processing company, the payment processing company The numerical value of the first generation payment processing amount and the balance of the second account.

In this embodiment, since the basic attribute of the service type of "pay first, pay later" is to prepare the value of the payment processing amount for the payment processing enterprise on behalf of the payment processing company, if the value of the amount in the second account of the merchant is less than the value of the payment to the payment agent When processing the value of the first payment processing amount of the enterprise payment processing, it does not meet the basic attributes of the service type of first payment, and the bank does not support the service of payment processing business for the said merchant, and the bank collection and payment system will notify in time The merchant informs the merchant that the balance in the second account of the merchant is insufficient and does not support proxy payment processing, and at the same time informs the merchant of the failure reason for not supporting proxy payment processing, so as to improve the experience of the merchant.

Preferably, the calling the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is an advance service type, obtain the third account information and redemption instruction of the merchant;

Acquiring the numerical value of the second payment processing amount for the payment processing enterprise on behalf of the payment processing enterprise;

calculating the total amount of funds in the third account information based on the redemption instruction;

Comparing the total amount of funds with the value of the second payment processing amount;

When the total amount of funds is greater than or equal to the value of the second payment processing amount, the redemption instruction and the total amount of funds equivalent to the second payment processing amount are transferred to the preset fourth account;

Calling the interface for configuring the payment processing quota to configure the amount equivalent to the second payment processing amount from the preset fourth account to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, the advance fund service means that the bank advances the payment in advance, and the merchant does not need to prepare a reserve fund in advance. Calculate the total amount of funds of the merchant, and compare the total amount of funds with the value of the second payment processing amount to the payment processing enterprise, and when the total amount of funds is greater than or equal to the second payment processing amount value, transfer the redemption instruction and the total amount of funds equivalent to the total amount of the second payment processing funds to the preset fourth account, and call the interface for configuring the payment processing amount from the preset fourth account Configure the amount equivalent to the value of the second payment processing amount to the interface corresponding to the first account of the payment processing enterprise, and configure the amount value for the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, according to the payment processing business type of the payment processing enterprise, the payment processing quota configuration process is performed according to the attributes of the payment processing business type, and the professional customized configuration is realized for the payment processing enterprise, which is convenient for the merchants. Capital turnover improves the capital turnover rate and utilization rate of the merchants.

Further, the method also includes:

When the comparison shows that the total amount of funds is less than the value of the second payment processing amount, calculate the difference between the total amount of funds and the value of the second payment processing amount to obtain the missing funds;

The start-up fund processing program transfers the missing funds from the account of the merchant with an excess value to the preset fourth account;

When the preset fourth account receives the lack of funds into the account, call the interface for configuring the payment processing amount to configure the value equivalent to the second payment processing amount from the preset fourth account to the interface corresponding to the first account of the payment processing company.

In this embodiment, each merchant has opened an account in multiple bank channels, and the fund processing program will automatically calculate whether each bank channel account has enough funds to pay the merchant's payment processing transaction, if there is not enough funds to pay the merchant For payment processing transactions, the fund processing program will calculate the lack of funds for the merchant’s payment processing transactions, and automatically transfer them from other accounts with excess amounts to the preset advance fund account. Due to the existence of fund transfers, The system can complete the merchant's fund payment processing process without manual intervention, ensuring the smooth and orderly completion of bank payment processing and reducing labor costs.

S14: When receiving the quota configuration processing success message of each payment processing enterprise, generate different payment according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type Processing instructions.

In this embodiment, each of the payment processing business types corresponds to a different payment processing mode, and different payment processing modes are generated based on the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type. For example, the payment processing mode corresponding to the advance service type can realize inter-day settlement, and the corresponding payment processing instructions.

S15: Verify each payment processing instruction to obtain a verification result.

In this embodiment, the bank needs to check whether the payee of the corresponding payment processing enterprise in each payment processing instruction is correct before executing the payment processing on behalf of the bank.

Preferably, said verifying said payment processing instruction to obtain a verification result includes:

Analyzing the payment processing instruction, and obtaining the first account of the payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;

If the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, the verification result is obtained;

If the comparison between the first account of the payment processing enterprise in the payment processing instruction and the first account of the payment processing enterprise read from the payment processing request is inconsistent, a result of verification failure is obtained.

In this embodiment, the payment processing request submitted by the merchant business system includes the first account of the payment processing company, reads the first account of the payment processing company, and stores the read account of the payment processing company The first account is compared with the first account of the payment processing enterprise in the payment processing instruction, and whether to trigger the payment processing instruction is determined according to the comparison result, which improves the accuracy of bank payment processing.

S16: When it is determined that the verification result is passed, trigger the payment processing instruction to perform payment processing, and return the payment processing result to the merchant business system.

In this embodiment, when the bank completes the execution of the commissioned payment processing business entrusted by the merchant, the process of recording the execution of the payment processing business is packaged into a file package, and the file package is returned to the merchant in a preset return method The business system, wherein, the preset return method may be to automatically trigger sending an email, or send it in the form of a short message.

Preferably, after returning the payment processing result to the business system of the merchant, the method further includes:

Obtain the payment processing business type corresponding to the account of the merchant that has executed the payment processing and the payment processing enterprise that has executed the payment processing in the payment processing result;

Obtaining the payment processing mode of the payment processing business type;

The agent payment processing mode is used to carry out agent payment processing and liquidation for the accounts of the merchants that have performed agent payment processing.

In this embodiment, since the payment processing mode of each payment processing business type is different, different payment processing and liquidation can be realized according to different payment processing modes. , the corresponding payment processing mode is to liquidate the account of the merchant in real time and perform payment processing to the payment processing enterprise; if the payment processing business type is the advance service type, the corresponding payment processing mode can realize cross-day After the accounts of the merchants are liquidated, the payment processing enterprises are processed on behalf of the payment processing enterprises, without the need for the bank to manually transfer funds to the UnionPay liquidation special account, which reduces the cost of manual liquidation and improves the efficiency of fund liquidation.

Further, the method also includes:

When it is determined that the verification fails, the payment processing instruction is not triggered.

In this embodiment, after comparing the read first account of the payment processing company with the first account of the payment processing company in the payment processing instruction, if the verification result fails, determine The first account of the payment processing enterprise in the payment processing instruction is incorrect, and the bank needs to re-amend the first account of the payment processing enterprise in the payment processing instruction to be in the payment processing request submitted by the merchant The first account of the payment processing company.

To sum up, the method for bank collection and payment described in this embodiment receives the payment processing request from the business system of the merchant, wherein each payment processing request corresponds to a plurality of payment processing information; The payment processing business type of each payment processing enterprise is obtained from each payment processing information; based on the payment processing business type of each payment processing enterprise, the interface for configuring the payment processing quota is invoked for the first payment processing enterprise of each payment processing enterprise The account performs quota configuration processing; when receiving the quota configuration processing success message of each payment processing enterprise, it generates according to the payment processing business type of each payment processing company and the payment processing mode of the payment processing business type different payment processing instructions; verify each of the payment processing instructions to obtain a verification result; The payment processing result is returned to the business system of the merchant. On the one hand, this embodiment performs payment processing quota configuration processing according to the payment processing business type of the payment processing enterprise according to the attributes of the payment processing business type, and implements payment processing for the payment processing enterprise. Professional customized configuration facilitates the merchant’s capital turnover and improves the capital turnover rate and utilization rate of the merchant; on the other hand, there is not enough funds in the merchant’s equity account to pay the merchant’s payment processing transaction. The fund processing program will calculate the missing funds, and automatically transfer them from other accounts with excess amounts to the preset advance fund account. Due to the existence of fund transfer, the system can complete the merchant's fund payment process without manual intervention. , which ensures the smooth and orderly completion of bank payment processing and reduces labor costs; finally, since the payment processing modes of each payment processing business type are different, different payment processing modes can be realized according to different payment processing modes Clearing, if the payment processing business type is the advance service type, the payment processing mode corresponding to the advance service type can realize cross-day settlement and carry out payment processing and liquidation on the account of the merchant, without the need for the bank to manually transfer funds To the UnionPay clearing account, which improves the efficiency of fund clearing.

Embodiment two

Fig. 2 is a structural diagram of the bank collection and payment device provided by the second embodiment of the present invention.

In some embodiments, the bank collection and payment device 20 may include a plurality of functional modules composed of program code segments. The program codes of each program segment in the bank collection and payment device 20 can be stored in the memory of the terminal, and executed by the at least one processor to perform (see FIG. 1 for details) the bank collection and payment function.

In this embodiment, the bank collection and payment device 20 can be divided into multiple functional modules according to the functions it performs. The functional modules may include: a receiving module 201 , an analyzing module 202 , a configuring module 203 , a sending module 204 , a generating module 205 , a checking module 206 and a payment processing module 207 . The module referred to in the present invention refers to a series of computer program segments that can be executed by at least one processor and can complete fixed functions, and are stored in memory. In this embodiment, the functions of each module will be described in detail in subsequent embodiments.

Receiving module 201: for receiving a payment processing request from a business system of a merchant, wherein each payment processing request carries a plurality of payment processing information.

In this embodiment, the agency payment processing business refers to the business in which the bank accepts the entrustment of the merchant to handle the agency payment processing matters of the specified funds according to the agreement with the entrusting unit, and the bank issues the funds on behalf of the entrusting unit according to the list provided by the entrusting unit. It mainly includes payment of wages, insurance premiums, reimbursement, etc.

Parsing module 202: for parsing the multiple payment processing information to obtain the payment processing business type of each payment processing enterprise.

In this embodiment, the payment processing business type refers to the business type corresponding to the payment from the merchant to each payment processing enterprise, and the payment processing business type includes: payment service type and advance payment service type, When acquiring the multiple payment processing information, analyze each of the payment processing information to obtain the payment processing service type corresponding to each payment processing enterprise.

Preferably, the parsing module 202 parses the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise including:

Decompose each payment processing information into multiple field information in preset formats according to preset parsing rules;

Identify the plurality of field information to obtain the payment processing business type of each payment processing enterprise.

In this embodiment, each of the agency payment processing information includes information such as merchant nature, merchant account, agency payment processing company name, agency payment processing company type, etc., and the preset parsing rules are based on different agent Different rules corresponding to the payment processing information are pre-set, and according to the preset parsing rules, each of the payment processing information is decomposed into a plurality of field information in a preset format, and each field information is identified from the field information The payment processing business type corresponding to a payment processing enterprise.

Configuration module 203: used for invoking the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise, and performing quota configuration processing on the first account of each payment processing enterprise.

In this embodiment, each payment processing enterprise corresponds to a different payment processing business type, and each payment processing business type corresponds to a different configuration payment processing quota interface, and the corresponding configuration agent is called according to the different payment processing business types. Quota configuration processing is performed through the interface of payment processing quota.

Preferably, the configuration module 203 calls the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise, and performs quota configuration processing on the first account of each payment processing enterprise, including:

When it is determined that the payment processing business type of the payment processing enterprise is the service type of receiving first and paying later, acquiring the value of the amount in the second account of the merchant;

Acquiring the numerical value of the first payment processing amount of the payment processing enterprise on behalf of the payment processing company;

Comparing the value of the amount in the second account of the merchant with the amount of the first payment processing amount;

When the comparison shows that the amount in the second account of the merchant is greater than or equal to the value of the first payment processing amount, call the interface for configuring the payment processing amount from the second account and configure the same amount as the first payment processing amount. The amount equivalent to the payment processing amount is sent to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, the service type of receiving first and paying later means that the merchant first prepares to pay the funds to the second account of the bank, and the bank payment processing platform compares the value of the amount in the second account to the second account of the bank. Compare the value of the first payment processing amount of the processing enterprise on behalf of the payment, and confirm whether to configure the amount value for the interface corresponding to the first account of the payment processing enterprise according to the comparison result. When receiving the payment processing When the interface corresponding to the enterprise's first account returns a passing message, it is determined that the payment processing enterprise's quota configuration process is successful, and it can be determined that the amount in the merchant's second account is sufficient, and at the same time it is calculated that the merchant is the The agency payment processing enterprise pays the balance in the second account after agency payment processing.

Further, in the process of comparing the value of the amount in the second account of the merchant with the value of the first payment processing amount, when the comparison shows that the value of the amount in the second account of the merchant is less than the value of the first payment When the value of the payment processing amount is determined, it is determined that the quota configuration processing of the first account of the payment processing enterprise fails;

Sending module 204: used to send a notification message to the merchant that the amount in the second account is insufficient, wherein the notification message includes the number of the payment processing company, the name of the payment processing company, The value of the first payment processing amount of the payment processing company and the balance of the second account.

In this embodiment, since the basic attribute of the service type of "pay first, pay later" is to prepare the value of the payment processing amount for the payment processing enterprise on behalf of the payment processing company, if the value of the amount in the second account of the merchant is less than the value of the payment to the payment agent When processing the value of the first payment processing amount of the enterprise payment processing, it does not meet the basic attributes of the service type of first payment, and the bank does not support the service of payment processing business for the said merchant, and the bank collection and payment system will notify in time The merchant informs the merchant that the balance in the second account of the merchant is insufficient and does not support proxy payment processing, and at the same time informs the merchant of the failure reason for not supporting proxy payment processing, so as to improve the experience of the merchant.

Preferably, the configuration module 203 calls the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise, and performs quota configuration processing on the first account of each payment processing enterprise, including:

When it is determined that the payment processing business type of the payment processing enterprise is an advance service type, obtain the third account information and redemption instruction of the merchant;

Acquiring the numerical value of the second payment processing amount for the payment processing enterprise on behalf of the payment processing enterprise;

calculating the total amount of funds in the third account information based on the redemption instruction;

Comparing the total amount of funds with the value of the second payment processing amount;

When the comparison shows that the total amount of funds is greater than or equal to the value of the second payment processing amount, the redemption instruction and the total amount of funds equivalent to the second payment processing amount are transferred to the preset second payment processing amount. Four accounts;

Calling the interface for configuring the payment processing quota to configure the amount equivalent to the second payment processing amount from the preset fourth account to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, the advance fund service means that the bank advances the payment in advance, and the merchant does not need to prepare a reserve fund in advance. Calculate the total amount of funds of the merchant, and compare the total amount of funds with the value of the second payment processing amount to the payment processing enterprise, and when the total amount of funds is greater than or equal to the second payment processing amount value, transfer the redemption instruction and the total amount of funds equivalent to the total amount of the second payment processing funds to the preset fourth account, and call the interface for configuring the payment processing amount from the preset fourth account Configure the amount equivalent to the value of the second payment processing amount to the interface corresponding to the first account of the payment processing enterprise, and configure the amount value for the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, according to the payment processing business type of the payment processing enterprise, the payment processing quota configuration process is performed according to the attributes of the payment processing business type, and the professional customized configuration is realized for the payment processing enterprise, which is convenient for the merchants. Capital turnover improves the capital turnover rate and utilization rate of the merchants.

Further, in the process of comparing the total amount of funds and the value of the second payment processing amount, when the total amount of funds is less than the value of the second payment processing amount, calculate the total amount of funds and the second payment processing amount The difference of the payment processing amount value is used to obtain the missing funds, and the fund processing program is started to transfer the missing funds from the account of the merchant with an excess amount value to the preset fourth account.

The configuration module 203: is also used to call the interface for configuring the payment processing quota from the preset fourth account when the missing funds are received in the account and configure the same amount with the preset fourth account. The amount equivalent to the value of the second payment processing amount is sent to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, each merchant has opened an account in multiple bank channels, and the fund processing program will automatically calculate whether each bank channel account has enough funds to pay the merchant's payment processing transaction, if there is not enough funds to pay the merchant For payment processing transactions, the fund processing program will calculate the lack of funds for the merchant’s payment processing transactions, and automatically transfer them from other accounts with excess amounts to the preset advance fund account. Due to the existence of fund transfers, The system can complete the merchant's fund payment processing process without manual intervention, ensuring the smooth and orderly completion of bank payment processing and reducing labor costs.

Generating module 205: used to generate a transaction according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type when receiving the quota configuration processing success message of each payment processing enterprise Different payment processing instructions.

In this embodiment, each of the payment processing business types corresponds to a different payment processing mode, and different payment processing modes are generated based on the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type. For example, the payment processing mode corresponding to the advance service type can realize inter-day settlement, and the corresponding payment processing instructions.

Verification module 206: used to verify each payment processing instruction to obtain a verification result.

In this embodiment, the bank needs to check whether the payee of the corresponding payment processing enterprise in each payment processing instruction is correct before executing the payment processing on behalf of the bank.

Preferably, the verifying module 206 verifying the payment processing instruction to obtain a verification result includes:

Analyzing the payment processing instruction, and obtaining the first account of the payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;

If the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, the verification result is obtained;

If the comparison between the first account of the payment processing enterprise in the payment processing instruction and the first account of the payment processing enterprise read from the payment processing request is inconsistent, a result of verification failure is obtained.

In this embodiment, the payment processing request submitted by the merchant business system includes the first account of the payment processing company, reads the first account of the payment processing company, and stores the read account of the payment processing company The first account is compared with the first account of the payment processing enterprise in the payment processing instruction, and whether to trigger the payment processing instruction is determined according to the comparison result, which improves the accuracy of bank payment processing.

The proxy payment processing module 207: used to trigger the proxy payment processing instruction to perform proxy payment processing when it is determined that the verification result is verified, and return the proxy payment processing result to the merchant business system.

In this embodiment, when the bank completes the execution of the commissioned payment processing business entrusted by the merchant, the process of recording the execution of the payment processing business is packaged into a file package, and the file package is returned to the merchant in a preset return method The business system, wherein, the preset return method may be to automatically trigger sending an email, or send it in the form of a short message.

Preferably, after the proxy payment processing module 207 returns the proxy payment processing result to the business system of the merchant, acquire the account and the executed proxy payment processing result of the merchant in the proxy payment processing result. The agency payment processing business type corresponding to the agency payment processing enterprise; obtain the agency payment processing mode of the agency payment processing business type; Payment processing liquidation.

In this embodiment, since the payment processing mode of each payment processing business type is different, different payment processing and liquidation can be realized according to different payment processing modes. , the corresponding payment processing mode is to liquidate the account of the merchant in real time and perform payment processing to the payment processing enterprise; if the payment processing business type is the advance service type, the corresponding payment processing mode can realize cross-day After the accounts of the merchants are liquidated, the payment processing enterprises are processed on behalf of the payment processing enterprises, without the need for the bank to manually transfer funds to the UnionPay liquidation special account, which reduces the cost of manual liquidation and improves the efficiency of fund liquidation.

The payment processing module 207 is further configured to not trigger the payment processing instruction when it is determined that the verification fails.

In this embodiment, after comparing the read first account of the payment processing company with the first account of the payment processing company in the payment processing instruction, if the verification result fails, determine The first account of the payment processing enterprise in the payment processing instruction is incorrect, and the bank needs to re-amend the first account of the payment processing enterprise in the payment processing instruction to be in the payment processing request submitted by the merchant The first account of the payment processing company.

To sum up, a bank collection and payment device described in this embodiment receives a payment processing request from a business system of a merchant, wherein each payment processing request corresponds to a plurality of payment processing information; The payment processing business type of each payment processing enterprise is obtained from each payment processing information; based on the payment processing business type of each payment processing enterprise, the interface for configuring the payment processing quota is invoked for the first payment processing enterprise of each payment processing enterprise The account performs quota configuration processing; when receiving the quota configuration processing success message of each payment processing enterprise, it generates according to the payment processing business type of each payment processing company and the payment processing mode of the payment processing business type different payment processing instructions; verify each of the payment processing instructions to obtain a verification result; The payment processing result is returned to the business system of the merchant. On the one hand, this embodiment performs payment processing quota configuration processing according to the payment processing business type of the payment processing enterprise according to the attributes of the payment processing business type, and implements payment processing for the payment processing enterprise. Professional customized configuration facilitates the merchant’s capital turnover and improves the capital turnover rate and utilization rate of the merchant; on the other hand, there is not enough funds in the merchant’s equity account to pay the merchant’s payment processing transaction. The fund processing program will calculate the missing funds, and automatically transfer them from other accounts with excess amounts to the preset advance fund account. Due to the existence of fund transfer, the system can complete the merchant's fund payment process without manual intervention. , which ensures the smooth and orderly completion of bank payment processing and reduces labor costs; finally, since the payment processing modes of each payment processing business type are different, different payment processing modes can be realized according to different payment processing modes Clearing, if the payment processing business type is the advance service type, the payment processing mode corresponding to the advance service type can realize cross-day settlement and carry out payment processing and liquidation on the account of the merchant, without the need for the bank to manually transfer funds To the UnionPay clearing account, which improves the efficiency of fund clearing.

Embodiment three

Referring to FIG. 3 , it is a schematic structural diagram of a terminal provided by Embodiment 3 of the present invention. In a preferred embodiment of the present invention, the terminal 3 includes a memory 31 , at least one processor 32 , at least one communication bus 33 and a transceiver 34 .

Those skilled in the art should understand that the structure of the terminal shown in Figure 3 does not constitute a limitation of the embodiment of the present invention, it can be a bus structure or a star structure, and the terminal 3 can also include more terminals than shown in the figure. More or less additional hardware or software, or a different arrangement of components.

In some embodiments, the terminal 3 is a terminal capable of automatically performing numerical calculations and/or information processing according to preset or stored instructions, and its hardware includes but not limited to microprocessors, application-specific integrated circuits, programmable Programming gate arrays, digital processors and embedded devices, etc. The terminal 3 may also include a client device, which includes but is not limited to any electronic product that can interact with the client through a keyboard, mouse, remote control, touch pad, or voice-activated device, for example, a personal Computers, tablets, smartphones, digital cameras, etc.

It should be noted that the terminal 3 is only an example, and other existing or future electronic products that can be adapted to the present invention should also be included in the protection scope of the present invention, and are included here by reference.

In some embodiments, the memory 31 is used to store program codes and various data, such as the bank collection and payment device 20 installed in the terminal 3, and realize high-speed and automatic completion during the operation of the terminal 3 Access to programs or data. Described memory 31 comprises read-only memory (Read-Only Memory, ROM), programmable read-only memory (Programmable Read-Only Memory, PROM), erasable programmable read-only memory (ErasableProgrammable Read-Only Memory, EPROM), One-time Programmable Read-Only Memory (OTPROM), Electronically Erasable Programmable Read-Only Memory (EEPROM), Compact Disc Read-Only Memory, CD-ROM) or other optical disk storage, magnetic disk storage, magnetic tape storage, or any other computer-readable medium that can be used to carry or store data.

In some embodiments, the at least one processor 32 may be composed of an integrated circuit, for example, may be composed of a single packaged integrated circuit, or may be composed of multiple integrated circuits with the same function or different functions packaged, including a Or a combination of multiple central processing units (Central Processing unit, CPU), microprocessors, digital processing chips, graphics processors, and various control chips. The at least one processor 32 is the control core (Control Unit) of the terminal 3, using various interfaces and lines to connect the various components of the entire terminal 3, by running or executing programs or modules stored in the memory 31, And call the data stored in the memory 31 to execute various functions of the terminal 3 and process data.

In some embodiments, the at least one communication bus 33 is configured to realize connection and communication between the memory 31 and the at least one processor 32 and so on.

Although not shown, the terminal 3 can also include a power supply (such as a battery) for supplying power to each component. Preferably, the power supply can be logically connected to the at least one processor 32 through a power management device, so as to realize management through the power management device Charging, discharging, and power management functions. The power supply may also include one or more DC or AC power supplies, recharging devices, power failure detection circuits, power converters or inverters, power status indicators and other arbitrary components. The terminal 3 may also include various sensors, bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

It should be understood that the embodiments are only for illustration, and are not limited by the structure in the scope of the patent application.

The above-mentioned integrated units implemented in the form of software function modules can be stored in a computer-readable storage medium. The above-mentioned software function modules are stored in a storage medium, and include several instructions to enable a computer device (which may be a personal computer, a terminal, or a network device, etc.) or a processor (processor) to execute the methods described in various embodiments of the present invention. part.

In a further embodiment, referring to FIG. 2 , the at least one processor 32 can execute the operation device of the terminal 3 and installed various application programs (such as the bank collection and payment device 20 ), program codes, etc. , for example, the various modules mentioned above.

Program codes are stored in the memory 31 , and the at least one processor 32 can invoke the program codes stored in the memory 31 to execute related functions. For example, the various modules described in FIG. 2 are program codes stored in the memory 31 and executed by the at least one processor 32, so as to realize the functions of the various modules to achieve the purpose of bank collection and payment .

In an embodiment of the present invention, the memory 31 stores a plurality of instructions, and the plurality of instructions are executed by the at least one processor 32 to realize the bank collection and payment function.

Specifically, for the specific implementation method of the above instructions by the at least one processor 32, reference may be made to the description of relevant steps in the embodiment corresponding to FIG. 1 , and details are not repeated here.

In the several embodiments provided by the present invention, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative. For example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Part or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, or each unit may physically exist separately, or two or more units may be integrated into one unit. The above-mentioned integrated units can be implemented in the form of hardware, or in the form of hardware plus software function modules.

It will be apparent to those skilled in the art that the invention is not limited to the details of the above-described exemplary embodiments, but that the invention can be embodied in other specific forms without departing from the spirit or essential characteristics of the invention. Accordingly, the embodiments should be regarded in all points of view as exemplary and not restrictive, the scope of the invention being defined by the appended claims rather than the foregoing description, and it is therefore intended that the scope of the invention be defined by the appended claims rather than by the foregoing description. All changes within the meaning and range of equivalents of the elements are embraced in the present invention. Any reference sign in a claim should not be construed as limiting the claim concerned. Furthermore, it is clear that the word "comprising" does not exclude other elements or the singular does not exclude the plural. A plurality of units or means stated in the device claims may also be realized by one unit or device through software or hardware. The words first, second, etc. are used to denote names and do not imply any particular order.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention without limitation. Although the present invention has been described in detail with reference to the preferred embodiments, those of ordinary skill in the art should understand that the technical solutions of the present invention can be Modifications or equivalent replacements can be made without departing from the spirit and scope of the technical solutions of the present invention.

Claims (9)

1. The bank paying-back method is characterized by comprising the following steps of:

receiving payment processing requests of a merchant service system, wherein each payment processing request carries a plurality of payment processing information;

analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise;

calling an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise, wherein the method comprises the following steps: when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant; obtaining a second payment processing amount value for the payment processing of the payment processing enterprise; calculating a total amount of funds in the third account information based on the redemption instructions and the fund shares corresponding to the redemption instructions; comparing the sum of funds with the second generation payment processing amount value; when the total funds amount is greater than or equal to the second generation payment processing amount value, the redemption instruction and the consumption share equivalent to the total funds amount of the second generation payment processing are debited to a preset fourth account; calling a payment processing limit interface, namely configuring a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface first account corresponding to the first account of the payment processing enterprise, wherein the payment service type is that a bank performs payment in advance, and a merchant does not need to prepare payment in advance;

When a successful message of the credit configuration processing of each payment processing enterprise is received, different payment processing instructions are generated according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type;

verifying each payment processing instruction to obtain a verification result;

and when the verification result is determined to be that the verification is passed, triggering the substitution processing instruction to carry out substitution processing, and returning the substitution processing result to the merchant service system.

2. The method for collecting and paying by a bank according to claim 1, wherein the calling the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform the credit configuration processing on the first account of each payment processing enterprise includes:

when the payment processing business type of the payment processing enterprise is determined to be a pay-before-pay service type, acquiring an amount value in a second account of the merchant;

obtaining a first payoff amount value for payoff treatment of the payoff treatment enterprise;

comparing the monetary value in the second account of the merchant with the first payment processing monetary value;

and when the value of the money in the second account of the merchant is greater than or equal to the value of the first payment processing money, calling the interface for configuring the payment processing money amount to configure the interface corresponding to the first account of the payment processing enterprise from the second account, wherein the value of the money is equivalent to the value of the first payment processing money.

3. The method of claim 2, further comprising:

when the comparison results in that the value of the amount in the second account of the merchant is smaller than the first payment processing value, the first account sends a notification message of insufficient value of the amount in the second account to the merchant, wherein the notification message comprises the number of the payment processing enterprise, the name of the payment processing enterprise, the first payment processing value of the payment processing enterprise and the balance of the second account.

4. The method of claim 1, further comprising:

when the total amount of the funds is smaller than the value of the second-generation payment processing amount by comparison, calculating the difference between the total amount of the funds and the value of the second-generation payment processing amount to obtain the absent funds;

starting a fund processing program to draw the absent funds from the account with the excessive amount value of the merchant to the preset fourth account;

and when the preset fourth account receives the absent funds to account, calling a payment processing allocation limit interface to allocate the limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface corresponding to the first account of the payment processing enterprise.

5. The method for paying in a bank as set forth in claim 1, wherein the verifying the paying in a process instruction to obtain a verification result includes:

analyzing the payment processing instruction to obtain a first account of a payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing enterprise in the payment processing instruction with the first account of the payment processing enterprise read from the payment processing request;

if the first account of the payment processing enterprise in the payment processing instruction is consistent with the first account of the payment processing enterprise read from the payment processing request, obtaining a verification passing result;

and if the comparison between the first account of the substitution processing enterprise in the substitution processing instruction and the first account of the substitution processing enterprise read from the substitution processing request is inconsistent, obtaining a result that the verification is not passed.

6. The method for collecting and paying in a bank as set forth in claim 1, wherein the analyzing the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise includes:

decomposing each payment processing information into a plurality of field information in a preset format according to a preset analysis rule;

And identifying the field information to obtain the type of the payment processing business of each payment processing enterprise.

7. A bank payment device, characterized in that the bank payment device comprises:

the receiving module is used for receiving the substitution processing requests of the merchant service system, wherein each substitution processing request carries a plurality of substitution processing information;

the analysis module is used for analyzing the plurality of substitution processing information to obtain the substitution processing business type of each substitution processing enterprise;

the configuration module is configured to invoke an interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise, and includes: when the payment processing business type of the payment processing enterprise is determined to be a fund service type, acquiring third account information and redemption instructions of the merchant; obtaining a second payment processing amount value for the payment processing of the payment processing enterprise; calculating a total amount of funds in the third account information based on the redemption instructions and the fund shares corresponding to the redemption instructions; comparing the sum of funds with the second generation payment processing amount value; when the total funds amount is greater than or equal to the second generation payment processing amount value, the redemption instruction and the consumption share equivalent to the total funds amount of the second generation payment processing are debited to a preset fourth account; calling a payment processing limit interface, namely configuring a limit equivalent to the value of the second payment processing amount from the preset fourth account to an interface first account corresponding to the first account of the payment processing enterprise, wherein the payment service type is that a bank performs payment in advance, and a merchant does not need to prepare payment in advance;

The generation module is used for generating different substitution processing instructions according to the substitution processing business type of each substitution processing enterprise and the substitution processing mode of the substitution processing business type when receiving the successful information of the quota configuration processing of each substitution processing enterprise;

the verification module is used for verifying each payment processing instruction to obtain a verification result;

and the payment replacing processing module is used for triggering the payment replacing processing instruction to carry out payment replacing processing when the verification result is determined to be that the verification is passed, and returning the payment replacing processing result to the merchant service system.

8. A terminal comprising a processor for implementing a method of depositing and withdrawing a bank as claimed in any one of claims 1 to 6 when executing a computer program stored in a memory.

9. A computer readable storage medium having stored thereon a computer program, which when executed by a processor implements a method of depositing and dispensing a bank deposit and withdrawal according to any one of claims 1 to 6.

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