CN112348503B - Fund collection and payment method - Google Patents
Fund collection and payment method Download PDFInfo
- Publication number
- CN112348503B CN112348503B CN202011325946.7A CN202011325946A CN112348503B CN 112348503 B CN112348503 B CN 112348503B CN 202011325946 A CN202011325946 A CN 202011325946A CN 112348503 B CN112348503 B CN 112348503B
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- payment
- transaction
- bill information
- fund
- receipt
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- 238000000034 method Methods 0.000 title claims abstract description 13
- 238000000151 deposition Methods 0.000 claims 2
- 230000005540 biological transmission Effects 0.000 abstract description 2
- 238000010586 diagram Methods 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention belongs to the field of finance, and particularly relates to a fund collection and payment method, which comprises the following steps: step A: the institution transaction system generates a payment code according to the bill information; and (B) step (B): and the payment terminal of the bank recognizes the payment code, acquires bill information, and sends the bill information to the fund payment system of the bank through the Internet, and the fund payment system carries out payment transaction processing according to the bill information. In the invention, the agency to be agency indirectly transmits bill information through the payment code, so that the data security of the agency to be agency can be effectively ensured. Even if the data transmission path between the agency and the bank is completely disconnected, the fund can be paid and paid.
Description
Technical Field
The invention belongs to the field of finance, and particularly relates to a fund collection and payment method.
Background
The deposit receipt and payment by various institutions is a common business of banks. In order to realize online collection and payment service, a software interface is needed to connect a transaction system of an agency and a fund collection and payment system of a bank, and during transaction, the transaction system needs to transmit bill information comprising a customer account number and transaction amount to the fund collection and payment system through the Internet, and the fund collection and payment system carries out transaction according to the bill information. However, the institutions with high requirements for confidentiality of their own information data, such as public security, cannot output data information externally in a network interconnection manner, so that banks cannot directly obtain bill information from the transaction system of the agency to be agency through the internet, and can not agency the fund receiving and paying business in an online manner.
Disclosure of Invention
The invention aims to provide a fund replacement payment method with good data confidentiality and high safety.
In order to achieve the above purpose, the invention adopts the following technical scheme: a method of fund replacement payment, comprising the steps of:
step A: the institution transaction system generates a payment code according to the bill information;
and (B) step (B): and the payment terminal of the bank recognizes the payment code, acquires bill information, and sends the bill information to the fund payment system of the bank through the Internet, and the fund payment system carries out payment transaction processing according to the bill information.
Compared with the prior art, the invention has the following technical effects: the agency to be agency transmits bill information indirectly through the payment code, so that the data security of the agency to be agency can be effectively ensured. Even if the data transmission path between the agency and the bank is completely disconnected, the fund can be paid and paid.
Drawings
Fig. 1 is a schematic diagram of a funds receipt and payment process of the present invention.
Detailed Description
The following describes the embodiments of the present invention in further detail by way of examples with reference to the accompanying drawings.
A method of fund replacement payment, comprising the steps of:
step A: the institution transaction system 10 generates a payment code 11 according to the bill information;
and (B) step (B): the payment code 11 is identified by the payment terminal 20 of the bank, bill information is acquired, the bill information is sent to the fund payment system 30 of the bank through the internet, and the fund payment system 30 performs payment transaction processing according to the bill information.
In this way, the agency transaction system 10 of the agency can complete the collection and payment of funds without directly transmitting any data to the bank.
In order to obtain the fund collection and payment result in time, the method further comprises the step C: after the receipt and payment transaction is completed, the funds receipt and payment system 30 feeds back the receipt and payment transaction result to the institution transaction system 10 or the payment terminal 20 through the internet.
The payment code 11 includes an identification code of the payer at the institution, a payer account, a payer name, a transaction amount, a transaction unique key value, and a digital signature.
In order to avoid that the third party obtains the bill information contained in the payment code 11, in step a, the bill information is encrypted to generate the payment code 11.
The bill information in this embodiment adopts the following encryption method:
in step a, billing information is encrypted using an asymmetric key,
each collecting and paying terminal 20 generates a pair of secret keys, the public keys are transmitted to the institution transaction system 10 through the internet, and the institution transaction system 10 encrypts bill information by using the public keys to generate a payment code 11;
in step B, the pay terminal 20 decrypts the payment code 11 with the private key to obtain bill information.
The digital signature is used to further match the proxied entity with the bank,
in the embodiment, the digital signature is encrypted by adopting an asymmetric key; the institution transaction system 10 generates a pair of keys and retains the private keys, transmits the public keys to the bank in an off-line manner, and enters the funds receiving and dispensing system 30. At the time of the transaction, the institution transaction system 10 digitally signs the billing information with a private key and the funds receiving and dispensing system 30 verifies the digital signature with a public key.
The transaction unique key is used to distinguish between transaction bills. In order to avoid the repeated transaction, in step B, after receiving the bill information sent by the payment-receipt terminal 20, the funds receiving and payment system 30 checks the transaction unique key value first, and if the transaction unique key value is consistent with the historical transaction, it is determined as the repeated transaction, and the funds receiving and payment transaction is refused to be processed.
Claims (3)
1. A method of fund replacement payment, comprising the steps of:
step A: an institution transaction system (10) generates a payment code (11) according to the bill information;
and (B) step (B): the payment receipt and payment terminal (20) of the bank recognizes the payment code (11) and acquires bill information, the bill information is sent to the fund receipt and payment system (30) of the bank through the Internet, and the fund receipt and payment system (30) carries out receipt and payment transaction processing according to the bill information;
in the step A, the bill information is encrypted to generate a payment code (11);
the payment code (11) comprises an identification code of a payment party at an institution, a payment party account, a payment party name, a transaction amount and a transaction unique key value;
the payment code (11) comprises a digital signature, and the digital signature is encrypted by adopting an asymmetric key; the institution transaction system (10) generates a pair of secret keys and reserves the private keys, the public keys are transmitted to a bank in an offline mode and are input into the fund receipt and payment system (30), and during transaction, the institution transaction system (10) uses the private keys to digitally sign bill information, and the fund receipt and payment system (30) uses the public keys to verify digital signatures;
in the step A, bill information is encrypted by adopting an asymmetric key, each collecting and paying terminal (20) generates a pair of keys, the public keys are transmitted to an institution transaction system (10) through the Internet, and the institution transaction system (10) generates a payment code (11) after encrypting the bill information by using the public keys;
in step B, the pay-and-pay terminal (20) decrypts the pay code (11) by using the private key to obtain bill information.
2. A method of depositing and dispensing funds according to claim 1, wherein: further comprising the step C: after the receipt and payment transaction is completed, the fund receipt and payment system (30) feeds back the receipt and payment transaction result to the institution transaction system (10) or the payment-receipt terminal (20) through the Internet.
3. A method of depositing and dispensing funds according to claim 1, wherein: in step B, after receiving bill information sent by the collecting and paying terminal (20), the fund collecting and paying system (30) firstly checks the unique transaction key value, and if the unique transaction key value is consistent with the historical transaction, the transaction is identified as repeated transaction, and the fund collecting and paying transaction is refused to be processed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011325946.7A CN112348503B (en) | 2020-11-24 | 2020-11-24 | Fund collection and payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011325946.7A CN112348503B (en) | 2020-11-24 | 2020-11-24 | Fund collection and payment method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN112348503A CN112348503A (en) | 2021-02-09 |
| CN112348503B true CN112348503B (en) | 2023-11-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202011325946.7A Active CN112348503B (en) | 2020-11-24 | 2020-11-24 | Fund collection and payment method |
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| CN112348503A (en) | 2021-02-09 |
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