CN112651730A - Transfer method and system of account transfer platform - Google Patents

Transfer method and system of account transfer platform Download PDF

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CN112651730A
CN112651730A CN202011575232.1A CN202011575232A CN112651730A CN 112651730 A CN112651730 A CN 112651730A CN 202011575232 A CN202011575232 A CN 202011575232A CN 112651730 A CN112651730 A CN 112651730A
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payment
information
bill
channel
transfer
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CN112651730B (en
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闫德宇
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Ningbo Xuanji Big Data 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
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • 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
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/125Finance or payroll

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
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Abstract

The invention discloses a transferring method and a transferring system of a financial transferring platform, which particularly relate to the field of finance, and mainly comprise the following steps: and acquiring bill payment information, verifying batch records and transfer records according to a payment mode of issuing and transferring, then sending the bill payment information to a payment port, verifying three-element information, and finally performing financial payment through the payment port according to the type of a payment channel. The financial payment is integrated on the same platform, and the platform realizes the financial payment among different payment channels and different bank accounts, so that the corresponding operation can be realized only by operating in the same system, the problem of complicated traditional financial payment process is greatly reduced, and meanwhile, because a plurality of payment channels are integrated in the system, related personnel can flexibly select payment channels and carry out payment operation according to business requirements.

Description

Transfer method and system of account transfer platform
Technical Field
The invention relates to the field of finance, in particular to a transfer method and a transfer system of an account transfer platform.
Background
With the increasing amount of services of the traditional human resource service institution, the traditional accounting payment method needs to consume a large amount of human cost and labor cost. In the aspect of financial payment, for a client with a complex company business system, internal finance is relatively complex, and account numbers to be paid are distributed in a plurality of banks, so that bill payment needs to be split or combined for making money according to different bank and account numbers for payment. Particularly, in the case of forwarding the order, an account is usually opened in multiple banks at the same time, and corresponding internet bank U shields are allocated to the banks for switching use. This inevitably leads to a complicated payment procedure and an increase in the rate of operation errors.
Based on the consideration, in order to realize flexible and convenient selection of a public-private payment channel, quick and safe payment is realized; in order to realize informatization, automation, online and standardization of enterprise payment, improve the material rate of staff and the satisfaction degree of companies, reduce the cost and greatly improve the comprehensive competitiveness of services, a financial transfer platform is urgently needed to realize multi-line transfer business.
Disclosure of Invention
The payment middle platform system and the method can be used for solving the problems commonly existing in the traditional human resource service industry, and can be used for randomly selecting a payment channel for public and private. The invention provides a transfer method of an account transfer platform, which comprises the following steps:
s1: acquiring bill payment information, and acquiring the bill type, the payment mode, the payment channel and the three-factor information of the bill payment information according to the bill payment information;
s2: judging according to the payment mode, if the payment mode is a generation mode, entering the step S3, if the payment mode is a transfer mode, entering the step S4;
s3: judging whether a batch record of the bill payment information exists, if so, entering step S5, otherwise, adding the batch record and entering step S5;
s4: judging whether a transfer record of the account payment information exists, if so, entering a step S5, otherwise, adding the transfer record and entering a step S5;
s5: sending the bill payment information to a payment port and checking the three-factor information;
s6: and performing accounting payment through the payment port according to the payment channel type.
Further, the bill type includes compensation fee and five insurance one fee, and when the bill type is five insurance one fee, the step S1 is followed by the step of:
s11: and recording the collection data of five risks and one gold.
Further, in step S6, the payment channel type includes direct cloud connection and wechat,
when the payment channel is in a cloud direct connection, sending a payment request and calling an APP account of a tendering bank to pay to a corresponding bank account;
and when the payment channel is WeChat, paying the WeChat change through the WeChat accounting of the enterprise.
Further, the step S6 is preceded by the step of:
s51: and configuring the front-end channel according to the channel type.
Further, the step S51 is followed by the step of:
s52: and (4) performing back-end service confirmation according to the bill payment information, if the confirmation is successful, entering the step S6, and if the confirmation is unsuccessful, closing the payment channel.
The invention also provides a transfer system of the financial transfer platform, which comprises the following steps:
the information acquisition module is used for acquiring bill payment information and acquiring the bill type, the payment mode, the payment channel and the three-factor information of the bill according to the bill payment information;
the information inquiry module is used for judging whether the transfer is a transfer or a transfer according to the payment mode; if the account transfer is a generation, the information query module is further used for judging whether batch records of the account payment information exist or not, and if the batch records of the account payment information exist, the information query module is further used for judging whether the batch records of the account payment information exist or not;
the information recording module is used for recording data when no batch record or transfer record is carried out;
and the payment port is used for checking the three-element information according to the bill payment information and carrying out financial payment according to the type of the payment channel.
Further, the bill type includes compensation fee and five insurance one fee, and when the bill type is five insurance one fee, the information recording module is further used for recording the collection data of the five insurance one fee.
Further, in the payment port, the payment channel type comprises a cloud direct connection and a WeChat,
when the payment channel is in a cloud direct connection, sending a payment request and calling an APP account of a tendering bank to pay to a corresponding bank account;
and when the payment channel is WeChat, paying the WeChat change through the WeChat accounting of the enterprise.
Further, the payment port includes a front-end configuration unit,
the front section configuration unit is used for carrying out front end channel configuration according to channel types.
Further, the payment port further comprises a back-end confirmation unit,
and the back-end confirmation unit is used for performing back-end service confirmation according to the bill payment information, performing financial payment according to the type of the payment channel if the confirmation is successful, and closing the payment channel if the confirmation is failed.
Compared with the prior art, the invention at least has the following beneficial effects:
(1) according to the transfer method and system of the financial transfer platform, the financial payment is integrated on the same platform, and the platform realizes the financial payment among different payment channels and different bank accounts, so that corresponding operation can be realized only by operating in the same system, and the problem of complicated traditional financial payment process is greatly reduced;
(2) because a plurality of payment channels are integrated in the system, related personnel can flexibly select a payment channel and carry out payment operation according to business requirements;
(3) because the operation is carried out on the same system, the intermediate processes are reduced, so that the payment bills can be traced, and the bill data loss caused by the complicated process is avoided.
Drawings
Fig. 1 is a method step diagram of a forwarding method of an account forwarding platform;
fig. 2 is a system configuration diagram of a transfer system of a financial transfer platform.
Detailed Description
The following are specific embodiments of the present invention and are further described with reference to the drawings, but the present invention is not limited to these embodiments.
Example one
The payment middle platform system and the method can be used for solving the problems commonly existing in the traditional human resource service industry, and can be used for randomly selecting a payment channel for public and private. As shown in fig. 1, the present invention provides a forwarding method for an account forwarding platform, which includes the steps of:
s1: acquiring bill payment information, and acquiring the bill type, the payment mode, the payment channel and the three-factor information of the bill payment information according to the bill payment information;
s2: the determination is made based on the payment method, and if the result is a generation, the process proceeds to step S3, and if the result is a transfer, the process proceeds to step S4.
In consideration of the rising of mobile terminal payment methods such as wechat and paymate, the payment of employees by some enterprises is not limited to bank card accounts (issuing) but also includes a third party platform (transferring account) for wechat, so that step S2 is to determine a payment channel to be set up in the subsequent financial payment by judging the payment method. Meanwhile, because the bill type includes five insurance one fee besides the compensation fee, when the bill type is five insurance one fee, the method is convenient for the management and the record of the five insurance one fee, and also includes the following steps:
s11: and recording the collection data of five risks and one gold.
S3: judging whether a batch record of the bill payment information exists, if so, entering step S5, otherwise, adding the batch record and entering step S5;
s4: and judging whether a transfer record of the account payment information exists or not, if so, entering the step S5, otherwise, adding the transfer record and entering the step S5.
Through searching batch records and transfer records, the error sending, missing sending and resending of accounts are avoided, meanwhile, the data query in the later period is facilitated, and the information of operators, the account value, the account information, the operation time, the payment state, the payment result and the like at the moment can be known according to the recorded data.
S5: and sending the bill payment information to a payment port and carrying out three-factor check.
The three-element information comprises a name, a bank card account number and an identification number. The possibility of errors in the financial payment is reduced by checking the three-element information. Meanwhile, in order to ensure the security of the account payment, step S5 is specifically divided into two steps, specifically:
s51: configuring a front-end channel according to the channel type;
s52: and (4) performing back-end service confirmation according to the bill payment information, if the confirmation is successful, entering the step S6, and if the confirmation is unsuccessful, closing the payment channel.
Before the account payment, in order to ensure that the account payment can realize the transfer between multiple banks and a third-party platform on a common platform, a channel is firstly configured to ensure the success of the subsequent account payment. And then secondary confirmation is carried out according to the bill payment information, and a responsible person presses a confirmation button to realize the double-factor authentication payment on the APP.
S6: and performing accounting payment through the payment port according to the payment channel type.
Wherein the payment channel types comprise cloud direct connection and WeChat,
when the payment channel is in a cloud direct connection, sending a payment request and calling an APP account of a tendering bank to pay to a corresponding bank account; (because of adopting platform type operation, therefore can realize one-key batch payment, make the operation more convenient, according to the platform message feedback, the payment information feedback is also more swift)
And when the payment channel is WeChat, paying the WeChat change through the WeChat accounting of the enterprise. (compared with bank transfer, WeChat transfer can realize real-time account and has no commission charge)
Meanwhile, the payment channels of other third-party platforms are considered, and the preset interface is additionally arranged, so that the subsequent expansion of the payment channels is facilitated, and the payment requirements of different services are met.
Example two
In order to better illustrate the present invention, the present embodiment describes the content of the invention in the form of a system structure, as shown in fig. 2, a transit system of a financial transit platform includes:
an information acquisition module for acquiring the bill payment information and paying the bill according to the bill payment information
Acquiring the bill type, payment mode, payment channel and three-factor information;
the information inquiry module is used for judging whether the transfer is a transfer or a transfer according to the payment mode; if the account transfer is a generation, the information query module is further used for judging whether batch records of the account payment information exist or not, and if the batch records of the account payment information exist, the information query module is further used for judging whether the batch records of the account payment information exist or not;
the information recording module is used for recording data when no batch record or transfer record is carried out;
and the payment port is used for checking the three-element information according to the bill payment information and carrying out financial payment according to the type of the payment channel.
The bill type comprises compensation cost and five-risk one-fee, and when the bill type is five-risk one-fee, the information recording module is also used for recording the collection data of the five-risk one-fee.
Further, the payment channel types include direct cloud connection, WeChat,
when the payment channel is in a cloud direct connection, sending a payment request and calling an APP account of a tendering bank to pay to a corresponding bank account;
and when the payment channel is WeChat, paying the WeChat change through the WeChat accounting of the enterprise.
And the payment port includes:
the front section configuration unit is used for carrying out front end channel configuration according to the channel type;
and the back-end confirmation unit is used for performing back-end service confirmation according to the bill payment information, performing financial payment according to the type of the payment channel if the confirmation is successful, and closing the payment channel if the confirmation is failed.
In summary, the financial transfer platform transfer method and system of the present invention integrates the financial payment on the same platform, and the platform realizes the financial payment between different payment channels and different bank accounts, so that the corresponding operation can be realized only by operating in the same system, thereby greatly reducing the problem of complicated traditional financial payment process.
Because a plurality of payment channels are integrated in the system, related personnel can flexibly select a payment channel and carry out payment operation according to business requirements. Meanwhile, because the operation is carried out on the same system, the intermediate processes are reduced, so that the payment bill can be traced, and the bill data loss caused by the complex flow is avoided.
The specific embodiments described herein are merely illustrative of the spirit of the invention. Various modifications or additions may be made to the described embodiments or alternatives may be employed by those skilled in the art without departing from the spirit or ambit of the invention as defined in the appended claims.

Claims (10)

1. A transfer method of an account transfer platform is characterized by comprising the following steps:
s1: acquiring bill payment information, and acquiring the bill type, the payment mode, the payment channel and the three-factor information of the bill payment information according to the bill payment information;
s2: judging according to the payment mode, if the payment mode is a generation mode, entering the step S3, if the payment mode is a transfer mode, entering the step S4;
s3: judging whether a batch record of the bill payment information exists, if so, entering step S5, otherwise, adding the batch record and entering step S5;
s4: judging whether a transfer record of the account payment information exists, if so, entering a step S5, otherwise, adding the transfer record and entering a step S5;
s5: sending the bill payment information to a payment port and checking the three-factor information;
s6: and performing accounting payment through the payment port according to the payment channel type.
2. The method as claimed in claim 1, wherein the bill type includes compensation fee and five-insurance one-fee, and when the bill type is five-insurance one-fee, the step S1 is followed by the step of:
s11: and recording the collection data of five risks and one gold.
3. The transit method of a financial transit platform of claim 1, wherein in the step S6, the payment channel type includes cloud direct connection, WeChat,
when the payment channel is in a cloud direct connection, sending a payment request and calling an APP account of a tendering bank to pay to a corresponding bank account;
and when the payment channel is WeChat, paying the WeChat change through the WeChat accounting of the enterprise.
4. The transit method of the financial transit platform of claim 3, wherein the step S5 includes the steps of:
s51: and configuring the front-end channel according to the channel type.
5. The transit method of the financial transit platform of claim 4, wherein said step S5 further comprises the steps of:
s52: and (4) performing back-end service confirmation according to the bill payment information, if the confirmation is successful, entering the step S6, and if the confirmation is unsuccessful, closing the payment channel.
6. A transfer system of a financial transfer platform is characterized by comprising:
the information acquisition module is used for acquiring bill payment information and acquiring the bill type, the payment mode, the payment channel and the three-factor information of the bill according to the bill payment information;
the information inquiry module is used for judging whether the transfer is a transfer or a transfer according to the payment mode; if the account transfer is a generation, the information query module is further used for judging whether batch records of the account payment information exist or not, and if the batch records of the account payment information exist, the information query module is further used for judging whether the batch records of the account payment information exist or not;
the information recording module is used for recording data when no batch record or transfer record is carried out;
and the payment port is used for checking the three-element information according to the bill payment information and carrying out financial payment according to the type of the payment channel.
7. The transit system of a financial transit platform of claim 6 wherein the bill types include compensation fees and five insurance one money, and the information recording module is further configured to record the collection data of the five insurance one money when the bill type is the five insurance one money.
8. The transit system of a financial transit platform of claim 6 wherein, in the payment port, the payment channel type includes cloud direct connection, WeChat,
when the payment channel is in a cloud direct connection, sending a payment request and calling an APP account of a tendering bank to pay to a corresponding bank account;
and when the payment channel is WeChat, paying the WeChat change through the WeChat accounting of the enterprise.
9. The transit system of a financial transit platform of claim 8 wherein the payment port includes a front-end configuration unit,
the front section configuration unit is used for carrying out front end channel configuration according to channel types.
10. The transit system of a financial transit platform of claim 9 wherein the payment port further includes a back-end validation unit,
and the back-end confirmation unit is used for performing back-end service confirmation according to the bill payment information, performing financial payment according to the type of the payment channel if the confirmation is successful, and closing the payment channel if the confirmation is failed.
CN202011575232.1A 2020-12-28 2020-12-28 Transfer method and system of accounting transfer platform Active CN112651730B (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113095830A (en) * 2021-05-10 2021-07-09 中国工商银行股份有限公司 Batch payment processing method and device
CN113657846A (en) * 2021-07-16 2021-11-16 南京华盾电力信息安全测评有限公司 Enterprise fund management method and system in financial sharing mode

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JP2003085380A (en) * 2001-07-06 2003-03-20 It Gem:Kk Collective money transfer system for account and its method
US9990613B1 (en) * 2014-12-12 2018-06-05 Square, Inc. Bill payment using direct funds transfer
CN108537512A (en) * 2018-04-16 2018-09-14 通联支付网络服务股份有限公司山东分公司 Employee welfare card system and employee compensation's payroll management method
CN108734452A (en) * 2017-04-13 2018-11-02 阿里巴巴集团控股有限公司 Internet resources transfer method, transfer account method and device
CN108765128A (en) * 2018-04-26 2018-11-06 卫盈联信息技术(深圳)有限公司 It provides a loan automatic repayment method, system, equipment and storage medium
CN108846657A (en) * 2018-05-28 2018-11-20 广州腾讯科技有限公司 A kind of method and relevant apparatus of Electronic Transfer

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Publication number Priority date Publication date Assignee Title
JP2003085380A (en) * 2001-07-06 2003-03-20 It Gem:Kk Collective money transfer system for account and its method
US9990613B1 (en) * 2014-12-12 2018-06-05 Square, Inc. Bill payment using direct funds transfer
CN108734452A (en) * 2017-04-13 2018-11-02 阿里巴巴集团控股有限公司 Internet resources transfer method, transfer account method and device
CN108537512A (en) * 2018-04-16 2018-09-14 通联支付网络服务股份有限公司山东分公司 Employee welfare card system and employee compensation's payroll management method
CN108765128A (en) * 2018-04-26 2018-11-06 卫盈联信息技术(深圳)有限公司 It provides a loan automatic repayment method, system, equipment and storage medium
CN108846657A (en) * 2018-05-28 2018-11-20 广州腾讯科技有限公司 A kind of method and relevant apparatus of Electronic Transfer

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113095830A (en) * 2021-05-10 2021-07-09 中国工商银行股份有限公司 Batch payment processing method and device
CN113657846A (en) * 2021-07-16 2021-11-16 南京华盾电力信息安全测评有限公司 Enterprise fund management method and system in financial sharing mode

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