CN112734419A - Enterprise electronic wallet management method, system and terminal supporting personal real-time payment - Google Patents
Enterprise electronic wallet management method, system and terminal supporting personal real-time payment Download PDFInfo
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- CN112734419A CN112734419A CN202110064068.6A CN202110064068A CN112734419A CN 112734419 A CN112734419 A CN 112734419A CN 202110064068 A CN202110064068 A CN 202110064068A CN 112734419 A CN112734419 A CN 112734419A
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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- G—PHYSICS
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- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G06Q20/40145—Biometric identity checks
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- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The invention provides a method, a system and a terminal for managing an enterprise electronic wallet supporting personal real-time payment, wherein the system comprises the following steps: the system comprises an enterprise electronic wallet module, a group-level electronic wallet module, a personal electronic wallet module and a payment platform; the enterprise electronic wallet module is used for managing funds of enterprise accounts, authorizing application of the group-level virtual accounts and supervising the group-level virtual accounts and the individual virtual accounts; the group-level electronic wallet module is used for applying for a group-level virtual account, authorizing the application of an individual virtual account and supervising the group-level virtual account and the individual virtual account; the personal electronic wallet module is used for applying for a personal virtual account, managing funds of the personal virtual account and performing payment transaction with a third-party merchant terminal; and the payment platform is used for verifying the payment transaction and performing corresponding payment through the fund of the enterprise account when the personal virtual account performs the payment transaction with the third-party merchant terminal. The invention enables enterprise account funds to provide real-time payment for individuals.
Description
Technical Field
The invention relates to the technical field of finance, in particular to the technical field of financial payment, and specifically relates to a method, a system and a terminal for managing an enterprise electronic wallet supporting personal real-time payment.
Background
The enterprise electronic wallet is an electronic wallet system which is provided for enterprise users and integrates examination, approval and use of enterprise account funds, solves the contradiction between the real-time use of enterprise fund demands of enterprise project employees and centralized account management and control, and helps enterprises to efficiently manage project group special virtual fund accounts, project group members to cooperatively use funds in real time and clear and settle project funds.
The property of the enterprise determines that the account fund of the enterprise is intensively and uniformly controlled by a specially-assigned person, and when the enterprise staff needs to use the fund in a planned way, the enterprise staff needs to make an application, a department/project approval, a financial debit and a bill for reimbursement and settlement after use. The real-time work needs to use funds, and only the staff can pre-occupy the personal funds to pay and then reimburse. Namely, the existing enterprise fund using mode does not smoothly get through the enterprise account, the project group fund and the employee using three links on the whole flow line in real time.
Disclosure of Invention
In view of the above-mentioned shortcomings of the prior art, an object of the present invention is to provide a method, a system and a terminal for managing an enterprise electronic wallet supporting real-time payment for an individual, so as to solve the technical problem in the prior art that the enterprise account funds cannot provide real-time payment for the individual.
To achieve the above and other related objects, the present invention provides an electronic wallet managing system for an enterprise supporting real-time payment of an individual, comprising: the system comprises an enterprise electronic wallet module, a group-level electronic wallet module, a personal electronic wallet module and a payment platform; the enterprise electronic wallet module is used for managing funds of enterprise accounts, authorizing application of group-level virtual accounts of the group-level electronic wallet module and supervising the group-level virtual accounts and the individual virtual accounts; the group-level electronic wallet module is used for applying for a group-level virtual account from the enterprise electronic wallet module, authorizing application for an individual virtual account of the individual electronic wallet module and supervising the group-level virtual account and the individual virtual account; the personal electronic wallet module is used for applying for a personal virtual account from the group-level electronic wallet module, managing funds of the personal virtual account and performing payment and payment transaction with a third-party merchant terminal; and the payment platform is used for verifying the payment transaction and performing corresponding payment through funds of the enterprise account after the payment transaction is verified when the personal virtual account performs payment transaction with the third-party merchant terminal.
In an embodiment of the present invention, the enterprise account is a public fund account opened in a financial institution; the group level virtual account is an electronic account which has the amount authorized by the enterprise account and is attached to the enterprise account; the personal virtual account is an electronic account having an amount authorized by the group level virtual account and attached to the group level virtual account.
In an embodiment of the present invention, the enterprise account is authenticated by the U shield, verified by the verification code, and verified by the face recognition during login; the group level virtual account and the personal virtual account are verified through verification code verification and face recognition during login.
In one embodiment of the present invention, the enterprise account includes a public fund account, a public fund account balance, and current day balance data; the group-level virtual account comprises a group-level virtual card number, a group-level authorization limit and a group-level available limit; the personal virtual account comprises a personal virtual card number, a personal authorization limit and a personal available limit.
In an embodiment of the present invention, the application for authorizing the group-level virtual account of the group-level electronic wallet module includes an opening application and a prepayment application for authorizing the group-level virtual account; the application for authorizing the personal virtual account of the personal electronic wallet module comprises an opening application and a prepayment application for authorizing the personal virtual account.
In an embodiment of the present invention, the monitoring of the group-level virtual accounts and the individual virtual accounts in the enterprise electronic wallet module includes recording the income and expense details of each group-level virtual account, the income and expense details of each individual virtual account, and the real-time summary income and expense details of the enterprise accounts; the supervision of the group-level virtual accounts and the individual virtual accounts in the group-level electronic wallet module comprises recording the income and expenditure details of the group-level virtual accounts of the group, the income and expenditure details of each individual virtual account and the real-time collection and expenditure details of the group-level virtual accounts; and the step of managing the funds of the individual virtual account comprises recording the income and expenditure details of the individual virtual account and the real-time aggregate income and expenditure details of the individual virtual account.
In an embodiment of the present invention, the payment platform verifies one or more combinations of legal validity, authorized validity and authorized amount of the personal virtual account, the group-level virtual account and the enterprise account associated in the balance transaction based on the payment order received from the third-party merchant terminal; and after the payment platform performs corresponding balance through the funds of the enterprise account, the balance result is fed back and displayed in the personal electronic wallet module, and the balance result is updated to the enterprise account, the group-level virtual account and the personal virtual account.
In order to achieve the above object, the present invention further provides a method for managing an electronic wallet of an enterprise supporting real-time payment of an individual, comprising: managing funds of the enterprise account through the enterprise electronic wallet, authorizing application of the group-level virtual account and supervising the group-level virtual account and the individual virtual account; applying for a group-level virtual account from the enterprise electronic wallet through a group-level electronic wallet, authorizing application of an individual virtual account, and supervising the group-level virtual account and the individual virtual account; applying for a personal virtual account from the group-level electronic purse through the personal electronic purse, managing funds of the personal virtual account and performing payment transaction with a third-party merchant terminal; and when the personal virtual account and the third-party merchant terminal perform the balance transaction through the payment platform, verifying the balance transaction and performing corresponding balance through funds of the enterprise account after the balance transaction is verified.
In an embodiment of the present invention, the payment platform verifies one or more combinations of legal validity, authorized validity and authorized amount of the personal virtual account, the group-level virtual account and the enterprise account associated in the balance transaction based on the payment order received from the third-party merchant terminal; and after the payment platform performs corresponding balance through the funds of the enterprise account, the balance result is fed back and displayed in the personal electronic wallet module, and the balance result is updated to the enterprise account, the group-level virtual account and the personal virtual account.
To achieve the above object, the present invention also provides an electronic terminal, comprising a memory for storing a computer program; a processor for running the computer program to implement the method of enterprise electronic wallet management supporting real-time payment of individuals as described above.
As described above, the enterprise electronic wallet managing method, system and terminal supporting personal real-time payment according to the present invention have the following advantages:
1. the enterprise electronic wallet is an electronic wallet system integrating examination, batching and enterprise account fund, is provided for enterprise users, solves the contradiction between the requirement of enterprise employees on using enterprise fund in real time and centralized account management and control, and assists enterprises to efficiently manage special virtual fund accounts of project groups, real-time collaborative collection and payment of project group members and real-time clearing and settlement requirements of project fund, so that enterprise account fund can provide real-time payment for individuals, and the technical problem that the enterprise account fund cannot provide real-time payment for the individuals in the prior art is effectively solved.
2. The invention can reduce the capital management and control cost of enterprises, provide reasonable and optimized revenue and expenditure support based on intellectualization, improve the capital use efficiency of the enterprises, and better meet the real-time multi-level supervision of the capital of the enterprises and the real-time analysis and treatment of financial data of the enterprises.
3. The invention can be expanded based on the existing enterprise financial system and the electronic wallet system, can be well butted with the existing network payment system, and can realize smooth transfer of user experience, thereby bringing new technology and applicable functions and simultaneously having lower construction, operation and popularization costs.
Drawings
FIG. 1 is a schematic diagram of the schematic structure of an enterprise electronic wallet managing system supporting real-time payment of individuals according to the present invention;
fig. 2 is a schematic diagram illustrating the overall application architecture of the enterprise electronic wallet managing system supporting real-time personal payment according to the present invention;
fig. 3 is a schematic diagram illustrating a direct hierarchical account association relationship among the enterprise accounts, the group-level virtual accounts and the individual virtual accounts in the enterprise electronic wallet management system supporting real-time personal payment according to the present invention;
fig. 4 is a diagram showing an example of an interface of an electronic wallet supporting real-time payment for an individual in the electronic wallet managing system of the present invention;
FIG. 5 is a diagram illustrating an example of an interface for a group-level wallet in an enterprise wallet management system supporting real-time payment for individuals in accordance with the present invention;
FIG. 6 is a diagram illustrating an example of an interface for a personal wallet in a corporate wallet management system supporting real-time payment for individuals in accordance with the present invention;
FIG. 7 is a schematic view showing a code scanning payment process performed by the Enterprise electronic wallet managing system supporting personal real-time payment according to the present invention;
FIG. 8 is a schematic flow chart of a method for managing an enterprise electronic wallet supporting real-time payment of an individual in accordance with the present invention;
fig. 9 is a schematic structural diagram of an electronic terminal according to an embodiment of the invention.
Description of the element reference numerals
100 enterprise electronic purse management system supporting personal real-time payment
110 enterprise electronic wallet module
120 group level electronic wallet module
130 personal electronic wallet module
140 payment platform
100 electronic terminal
101 processor
102 memory
S110 to S140
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, so that the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, the type, quantity and proportion of the components in actual implementation can be changed freely, and the layout of the components can be more complicated.
The method, the system and the terminal for managing the enterprise electronic wallet supporting the personal real-time payment are used for solving the technical problem that the enterprise account fund cannot provide the real-time payment for the personal in the prior art. The principle and implementation of the method, system and terminal for managing an enterprise electronic wallet supporting personal real-time payment according to the present embodiment will be described in detail below, so that those skilled in the art can understand the method, system and terminal for managing an enterprise electronic wallet supporting personal real-time payment without creative work.
Example 1
Fig. 1 is a schematic structural diagram of an enterprise electronic wallet management system supporting real-time personal payment in the embodiment. As shown in fig. 1, the present embodiment provides an electronic wallet managing system for supporting real-time personal payment, including: the system comprises an enterprise electronic wallet module, a group-level electronic wallet module, a personal electronic wallet module and a payment platform.
The details of the enterprise electronic wallet module, the group-level electronic wallet module, the personal electronic wallet module, and the payment platform in this embodiment are described below.
In this embodiment, the enterprise electronic wallet module is configured to manage funds of enterprise accounts, authorize application of group-level virtual accounts of the group-level electronic wallet module, and supervise the group-level virtual accounts and the individual virtual accounts.
Specifically, in the present embodiment, the enterprise electronic wallet is an electronic wallet system integrated with auditing, approving and fund-making by enterprise accounts provided for enterprise users. As shown in fig. 2, the enterprise electronic wallet includes a front-end electronic wallet (APP or applet) and a back-end enterprise electronic wallet platform. And may be divided into enterprise wallets, project group wallets, personal wallets, and other supported hardware and software environments, depending on the user and role.
Fig. 3 is a schematic diagram illustrating a direct hierarchical account association relationship among the enterprise accounts, the group-level virtual accounts, and the individual virtual accounts in the enterprise electronic wallet management system supporting real-time personal payment according to the embodiment.
The enterprise account is a public fund account set by a financial institution, namely the enterprise account is a public fund account set by an enterprise in the financial institution, is an external only fund account interface of the enterprise, and can realize direct collection and payment service through a network. As shown in fig. 3, the enterprise account can manage all of the group-level virtual accounts that are hung and the individual virtual accounts that are hung at the group level. The individual virtual account and the group-level virtual account only have the information flow of the funds in the enterprise, do not have the direct payment settlement function of the fund account, and only the enterprise account provides a payment settlement interface of all fund flows.
The group-level virtual account (which may also be referred to as a project group virtual account or a department virtual account, etc. of a small group formed by multiple persons) is an electronic account that has the amount authorized by the enterprise account and is affiliated with the enterprise account. Enterprises have unified accounts, but internal funds are often managed according to project group bookkeeping, and group-level virtual accounts are electronic accounts for project group fund management inside the enterprise.
The personal virtual account is an electronic account having an amount authorized by the group level virtual account and attached to the group level virtual account. An electronic account managed by a separate accounting of the enterprise employee's use of the enterprise funds. The personal virtual account belongs to a certain group level virtual account dynamically, and all the related balance transaction information of the current personal virtual account also belongs to the balance transaction information of the group level virtual account to which the personal virtual account belongs.
In this embodiment, the enterprise account is authenticated by the U shield, verified by the verification code, and verified by the face recognition during login.
For example, after the enterprise electronic wallet is downloaded and installed, after encrypted security authentication such as an enterprise U shield is performed, the enterprise electronic wallet may log in to the enterprise electronic wallet with the identity of an enterprise account administrator, manage all the suspended group-level virtual accounts, and monitor all the individual virtual accounts suspended from the group-level virtual accounts.
In this embodiment, the enterprise account includes a public fund account, a public fund account balance, and current day balance data.
In this embodiment, the application for authorizing the group-level virtual account of the group-level electronic wallet module by the enterprise electronic wallet module includes an opening application and a prepayment application for authorizing the group-level virtual account.
In this embodiment, the monitoring of the group-level virtual accounts and the individual virtual accounts in the enterprise electronic wallet module includes recording the balance details of each group-level virtual account, the balance details of each individual virtual account, and the real-time summary balance details of the enterprise account.
That is, the enterprise electronic purse can approve and authorize the opening application and prepayment application of the project group electronic purse and the account supervision of the personal electronic purse, and can record the receipt and payment details of all the project group electronic purses, the receipt and payment details grouped by individuals and the receipt and payment details gathered in real time.
Fig. 4 is a diagram showing an example of an interface of a business electronic wallet in the business electronic wallet management system supporting real-time personal payment according to the present invention, namely, a functional layout reference diagram of a business account on a login home page of an electronic terminal.
Using a user: and enterprise financial management personnel.
Safety measures are as follows: when the user logs in for the first time, the user needs to authorize the login of the mobile phone by utilizing enterprise security U shield authentication at a computer end, the financial staff of the enterprise registers the short message of the mobile phone for verification, and the user face identification authentication is realized, so that the security is highest.
Safety management: and special security center setting comprises password changing and the like, and other security measures are added.
An enterprise account: the real-time information of the enterprise account comprises balance, today real-time balance data and the like.
Group level virtual account management: managing the existing group-level virtual accounts, and approving and authorizing new application accounts and prepayment applications.
Personal virtual account: individual virtual electronic accounts are administered.
And (4) bill specification: project group bill particulars, individual bill particulars, summary bill particulars.
In this embodiment, the group-level wallet module is configured to apply for a group-level virtual account from the enterprise wallet module, authorize application of a personal virtual account from the personal wallet module, and manage the group-level virtual account and the personal virtual account.
A plurality of group-level virtual accounts can be hung below one enterprise account, and each group-level virtual account has an administrator authorized to be responsible. The enterprise account authorizes the group level account: the authorized use amount, the authorized transaction type, the authorized transaction time, the authorized transaction number, the current valid state and the like. The group level virtual account can be directly added into a personal electronic wallet of a corresponding administrator, so that the group level virtual account and the affiliated personal virtual account can be managed, but the code balance and use cannot be directly presented.
In this embodiment, the group-level virtual account is verified by verification code and face recognition at login.
After the enterprise electronic wallet is downloaded and installed, a project group administrator can apply for opening a project group electronic wallet after logging in the enterprise electronic wallet, and the project group electronic wallet can be opened immediately after being approved and authorized by a background enterprise electronic wallet.
In this embodiment, the group-level virtual account includes a group-level virtual card number, a group-level authorization limit, and a group-level available limit;
the application of the group-level electronic wallet module for authorizing the personal virtual account of the personal electronic wallet module comprises an opening application and a prepayment application for authorizing the personal virtual account.
The supervision of the group-level virtual accounts and the individual virtual accounts in the group-level electronic wallet module comprises recording the income and expenditure details of the group-level virtual accounts of the group, the income and expenditure details of each individual virtual account and the real-time collection and expenditure details of the group-level virtual accounts.
That is, in this embodiment, the group-level electronic wallet may approve and authorize the opening application and prepayment application of the personal electronic wallet in real time, manage the account of the personal electronic wallet, and the like, and may further record the receipt and payment details of all the personal electronic wallets in the group, and the receipt and payment details summarized in real time.
Fig. 5 is a diagram showing an example of an interface of a group-level electronic wallet in the enterprise electronic wallet management system supporting real-time personal payment according to the present invention, namely, a functional layout reference diagram of a group-level electronic account on a login front page of an electronic terminal.
Using a user: the responsible personnel of the enterprise project group can click the 'application project group electronic wallet account' to apply for a new group level virtual account if the project group electronic wallet does not exist after logging in.
Safety measures are as follows: and during initial login, the mobile phone short message is verified, and the face of the user is identified and authenticated, so that the safety is high.
Safety management: and special security center setting comprises password changing and the like, and other security measures are added.
Group level virtual account card: virtual card number, current authorization limit, available limit and other information.
Personal virtual account management: managing individual virtual accounts of the existing project group, and approving and authorizing new application accounts and prepayment applications.
And (4) bill specification: the bill particulars of the project group, the individual bill particulars and the summary bill particulars.
In this embodiment, the personal electronic wallet module is configured to apply for a personal virtual account from the group-level electronic wallet module, manage funds of the personal virtual account, and perform a payment transaction with a third-party merchant terminal.
Under one group level virtual account, a personal virtual account can be hung on a group level member, and the use amount, the transaction type, the transaction time, the transaction number, the current valid state and the like are authorized. The personal virtual account can be directly added into an electronic purse of the person, and the code is directly shown for charge and discharge. The code comprises personal virtual accounts, group level virtual accounts, enterprise account information and various authorization limit information, and merchants and the like can pay by scanning the code.
The personal virtual account is verified through verification code verification and face recognition during login.
For example, after an enterprise electronic wallet is downloaded and installed by an individual, the individual can apply for opening an individual electronic wallet under a specific project group electronic wallet during login by authentication code verification and face recognition verification, and can be opened immediately after approval and authorization of a manager of a background project group electronic wallet.
Some consumers firstly approve stage by stage and then authorize the consumption, and similar authorization has quota consumption time, times and money. The personal electronic wallet can initiatively initiate the pre-paid online examination and approval process, the consumption demand is sent to the project group electronic wallet, the project group electronic wallet is sent to the enterprise electronic wallet after being examined and approved by a project group person in charge, and the expenditure of the personal electronic wallet is authorized in a layering mode after being examined and approved by an enterprise account manager.
In this embodiment, the personal virtual account includes a personal virtual card number, a personal authorization limit, and a personal available limit. The personal electronic wallet module manages funds of the personal virtual account and records the income and expenditure details of the personal virtual account and the real-time aggregate income and expenditure details of the personal virtual account.
In this embodiment, the personal electronic wallet shows the corresponding code, which can realize real-time payment and payment. And recording the balance and summary details of the personal electronic wallet through the bill of the personal electronic wallet.
FIG. 6 is a diagram illustrating an example of an interface for a personal wallet in a corporate wallet management system supporting real-time payment for individuals in accordance with the present invention; namely, the functional layout of the personal virtual electronic account on the login home page of the electronic terminal is referred to the schematic diagram.
My account number: if the user is an enterprise project group member individual, after logging in, the user can click the 'individual enterprise account' to apply for a new individual enterprise virtual account if the user does not have an individual electronic wallet. In principle, the work of the same person may belong to a plurality of project groups, so that the same user account of the enterprise electronic purse can apply for individual enterprise accounts belonging to a plurality of project groups, but each project group can only apply for one.
Safety measures are as follows: and during initial login, the mobile phone short message is verified, and the face of the user is identified and authenticated, so that the safety is high.
Safety management: and special security center setting comprises password changing and the like, and other security measures are added.
Application authorization: and (4) current prepayment application and prepayment authorization. The personal electronic wallet can put forward an expenditure application in advance aiming at a certain expenditure to be generated, the expenditure application is sent to a group-level virtual account for examination and approval and then sent to an enterprise account for examination and approval, and the prepayment consumption is directly authorized after the examination and approval is passed.
Personal virtual account card: virtual card number, current account authorization limit and available limit, etc.
And (4) receiving and paying use: the personal electronic purse shows corresponding codes, including enterprise cash collection codes, payment codes, code scanning and other functions, and can realize real-time payment and collection.
And (4) bill specification: and bill particulars of the individual virtual account and summary bill particulars.
In this embodiment, the payment platform is configured to verify a payment transaction when the personal virtual account performs the payment transaction with the third-party merchant terminal, and perform corresponding payment through funds of the enterprise account after the payment transaction is verified.
In this embodiment, the payment platform verifies one or more combinations of legal validity, authorized validity and authorized amount of the personal virtual account, the group-level virtual account and the enterprise account associated in the balance transaction based on the payment order received from the third-party merchant terminal; and after the payment platform performs corresponding balance through the funds of the enterprise account, the balance result is fed back and displayed in the personal electronic wallet module, and the balance result is updated to the enterprise account, the group-level virtual account and the personal virtual account.
Fig. 7 is a schematic view showing a code scanning payment process performed by the system for managing an electronic wallet of an enterprise supporting real-time personal payment according to the present invention. Specifically, as shown in fig. 7, the payment platform provides a fund payment interface for the enterprise account to the outside in a unified manner. When the payment platform pays, taking scanning the payment code of the electronic wallet of the personal enterprise as an example:
the personnel of the staff present the payment code, the merchant scans the code and the code is checked for validity.
And the merchant back end (a third-party merchant terminal) generates a signed payment order and sends the signed payment order to the payment platform.
The payment platform needs to verify the validity of the individual virtual account, the group level virtual account and the enterprise account (to an enterprise account front-end system, the authorization information and the service of the front-end system can also be directly integrated into an enterprise account payment platform of a third party), and whether the check control of various authorization and limit meets the requirements or not, if not, the payment is directly terminated, and the payment failure is returned.
And after the payment is finished after the verification is qualified, returning a payment result to the personal electronic wallet, and simultaneously directly writing result information into an enterprise accounting system including the accounting information of the personal account, the group-level virtual account and the enterprise account by calling back the enterprise account front-end system. After the payment platform verifies payment, the consumption payment result is fed back to the bill of the personal electronic wallet, and is written back to the enterprise account front-end system, the front-end system informs the electronic wallet of the project group (the electronic wallet of the responsible person of the project group can be obtained in real time), the electronic wallet of the enterprise (the electronic wallet of the responsible person of the enterprise can be obtained in real time), and real-time consumption accounting notification is carried out.
In this embodiment, for example, a personal virtual account two-dimensional code is integrated in a personal electronic wallet of an employee who needs a transaction such as a project group administration office, and when the two-dimensional code is presented, the personal virtual account is directly related to a group-level virtual account, and the group-level virtual account confirms whether the personal virtual account is authorized, and an authorized usage amount, an authorized transaction type, an authorized transaction time, an authorized transaction number, a current valid state, and the like. After the check is passed, the payment of the individual virtual account is converted into the payment of money directly based on the group-level virtual account, finally, the group-level virtual account is associated with the enterprise account, and after the authorization of the group-level account and the individual account is confirmed, the enterprise account provides a uniform payment interface to realize fund flow transfer. The complete balance transaction information flow is recorded at the personal electronic purse, the group level virtual account and the enterprise account.
The enterprise electronic wallet management system supporting the personal real-time payment in the embodiment can be applied to the scenes of enterprise project special fund management, supply chain finance, Internet of things financial service and the like. The purposes of sharing enterprise accounts by credit granting of project employees, realizing seamless connection of three links of real-time money consumption, audit, approval and enterprise fund consumption, occupying no personal fund of the employees and realizing unified payment of enterprises are achieved.
It should be noted that the division of the modules of the above system is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And these modules can be realized in the form of software called by processing element; or may be implemented entirely in hardware; and part of the modules can be realized in the form of calling software by the processing element, and part of the modules can be realized in the form of hardware. For example, the matching processing module 13 may be a processing element separately set up, or may be implemented by being integrated in a chip of an electronic terminal, or may be stored in a memory of the terminal in the form of program codes, and the functions of the above modules are called and executed by a processing element of the terminal. Other modules are implemented similarly. In addition, all or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, the above modules may be implemented by integrated logic circuits of hardware in a processor element or instructions in the form of software.
For example, the above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), or one or more microprocessors (DSPs), or one or more Field Programmable Gate Arrays (FPGAs), among others. For another example, when one of the above modules is implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. For another example, these modules may be integrated together and implemented in the form of a system-on-a-chip (SOC).
Example 2
As shown in fig. 8, this embodiment provides a method for managing an enterprise electronic wallet supporting personal real-time payment, including:
step S110, managing the fund of the enterprise account through the enterprise electronic wallet, authorizing the application of the group-level virtual account and supervising the group-level virtual account and the individual virtual account;
step S120, applying for a group level virtual account from the enterprise electronic wallet through a group level electronic wallet, authorizing the application of an individual virtual account and supervising the group level virtual account and the individual virtual account;
step S130, applying for a personal virtual account from the group-level electronic purse through the personal electronic purse, managing funds of the personal virtual account and performing payment transaction with a third-party merchant terminal;
step S140, when the personal virtual account and the third-party merchant terminal perform the balance transaction through the payment platform, the balance transaction is verified, and corresponding balance is performed through the funds of the enterprise account after the balance transaction is verified.
Specifically, in this embodiment, the payment platform verifies one or more combinations of legal validity, authorized validity, and authorized amount of the personal virtual account, the group-level virtual account, and the enterprise account associated in the balance transaction based on the payment order received from the third-party merchant terminal; and after the payment platform performs corresponding balance through the funds of the enterprise account, the balance result is fed back and displayed in the personal electronic wallet module, and the balance result is updated to the enterprise account, the group-level virtual account and the personal virtual account.
The specific implementation technical features of the method for managing an enterprise electronic wallet supporting personal real-time payment according to this embodiment are substantially the same as those of the system for managing an enterprise electronic wallet supporting personal real-time payment according to embodiment 1, and the general technical contents between the embodiments are not repeated.
Example 3
As shown in fig. 9, the present embodiment further provides an electronic terminal 100, where the electronic terminal 100 is a server, a desktop computer, a notebook computer, a tablet computer, a smart phone, a smart television, a personal digital assistant, and the like. The electronic terminal 100 comprises a memory 102 for storing a computer program; a processor 101, configured to run the computer program to implement the method for managing a corporate e-wallet supporting real-time personal payment according to embodiment 2 or run the system for managing a corporate e-wallet supporting real-time personal payment according to embodiment 1.
The memory 102 is connected to the processor 101 through a system bus and performs communication with each other, the memory 102 is used for storing a computer program, and the processor 101 is used for operating the computer program, so that the user terminal 100 executes the method for managing the enterprise electronic wallet supporting personal real-time payment or the system 100 for managing the enterprise electronic wallet supporting personal real-time payment as described in embodiment 1. The embodiment 1 has already described the management system for the corporate e-wallet supporting personal real-time payment, and the embodiment 2 has already described the management method for the corporate e-wallet supporting personal real-time payment, which is not described herein again.
It should be noted that the above-mentioned system bus may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The system bus may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 9, but this does not indicate only one bus or one type of bus. The communication interface is used for realizing communication between the database access device and other equipment (such as a client, a read-write library and a read-only library). The Memory 102 may include a Random Access Memory (RAM) and may further include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory.
The Processor 101 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the Integrated Circuit may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, or a discrete hardware component.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the above method embodiments may be performed by hardware associated with a computer program. The aforementioned computer program may be stored in a computer readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
In conclusion, the enterprise electronic wallet provided by the invention is an electronic wallet system integrating examination, approval and enterprise account fund, which is provided for enterprise users, and is used for solving the contradiction between the requirement of enterprise employees on using enterprise fund in real time and centralized account management and control, and assisting enterprises to efficiently manage project group special virtual fund accounts, project group members to collaborate in real time with payment and expenditure and the requirement of project fund real-time settlement, so that enterprise account fund can provide real-time payment for individuals, and the technical problem that enterprise account fund cannot provide real-time payment for individuals in the prior art is effectively solved; the invention can reduce the capital management and control cost of enterprises, provide reasonable income and expenditure based on intellectualization, optimize the income and expenditure support, improve the capital use efficiency of the enterprises, and better meet the real-time multistage supervision of the capital of the enterprises and the real-time analysis and treatment of financial data of the enterprises; the invention can be expanded based on the existing enterprise financial system and the electronic wallet system, can be well butted with the existing network payment system, and can realize smooth transfer of user experience, thereby bringing new technology and applicable functions and simultaneously having lower construction, operation and popularization costs. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (10)
1. An electronic wallet managing system for supporting real-time payment of an individual, comprising: the method comprises the following steps: the system comprises an enterprise electronic wallet module, a group-level electronic wallet module, a personal electronic wallet module and a payment platform;
the enterprise electronic wallet module is used for managing funds of enterprise accounts, authorizing application of group-level virtual accounts of the group-level electronic wallet module and supervising the group-level virtual accounts and the individual virtual accounts;
the group-level electronic wallet module is used for applying for a group-level virtual account from the enterprise electronic wallet module, authorizing application for an individual virtual account of the individual electronic wallet module and supervising the group-level virtual account and the individual virtual account;
the personal electronic wallet module is used for applying for a personal virtual account from the group-level electronic wallet module, managing funds of the personal virtual account and performing payment and payment transaction with a third-party merchant terminal;
and the payment platform is used for verifying the payment transaction and performing corresponding payment through funds of the enterprise account after the payment transaction is verified when the personal virtual account performs payment transaction with the third-party merchant terminal.
2. The system of claim 1, wherein the system comprises: the enterprise account is a public fund account opened in a financial institution; the group level virtual account is an electronic account which has the amount authorized by the enterprise account and is attached to the enterprise account; the personal virtual account is an electronic account having an amount authorized by the group level virtual account and attached to the group level virtual account.
3. The system of claim 2, wherein the system comprises: the enterprise account is authenticated by a U shield, verified by a verification code and verified by face recognition during login; the group level virtual account and the personal virtual account are verified through verification code verification and face recognition during login.
4. A business electronic wallet managing system of claim 2 or 3, wherein: the enterprise account comprises a public fund account, a public fund account balance and current day balance data; the group-level virtual account comprises a group-level virtual card number, a group-level authorization limit and a group-level available limit; the personal virtual account comprises a personal virtual card number, a personal authorization limit and a personal available limit.
5. The system of claim 1, wherein the system comprises: the application for authorizing the group-level virtual account of the group-level electronic wallet module comprises an opening application and a prepayment application for authorizing the group-level virtual account; the application for authorizing the personal virtual account of the personal electronic wallet module comprises an opening application and a prepayment application for authorizing the personal virtual account.
6. The system of claim 1, wherein the system comprises: the supervision of the group-level virtual accounts and the individual virtual accounts in the enterprise electronic wallet module comprises the step of recording the income and expenditure details of each group-level virtual account, the income and expenditure details of each individual virtual account and the real-time collection income and expenditure details of enterprise accounts; the supervision of the group-level virtual accounts and the individual virtual accounts in the group-level electronic wallet module comprises recording the income and expenditure details of the group-level virtual accounts of the group, the income and expenditure details of each individual virtual account and the real-time collection and expenditure details of the group-level virtual accounts; and the step of managing the funds of the individual virtual account comprises recording the income and expenditure details of the individual virtual account and the real-time aggregate income and expenditure details of the individual virtual account.
7. The system of claim 1, wherein the system comprises: the payment platform verifies one or more combinations of legal validity, authorized validity and authorized amount of the personal virtual account, the group level virtual account and the enterprise account related in the balance transaction based on the payment order received from the third-party merchant terminal; and after the payment platform performs corresponding balance through the funds of the enterprise account, the balance result is fed back and displayed in the personal electronic wallet module, and the balance result is updated to the enterprise account, the group-level virtual account and the personal virtual account.
8. A method for managing an electronic wallet of an enterprise supporting real-time payment of an individual, comprising: the method comprises the following steps:
managing funds of the enterprise account through the enterprise electronic wallet, authorizing application of the group-level virtual account and supervising the group-level virtual account and the individual virtual account;
applying for a group-level virtual account from the enterprise electronic wallet through a group-level electronic wallet, authorizing application of an individual virtual account, and supervising the group-level virtual account and the individual virtual account;
applying for a personal virtual account from the group-level electronic purse through the personal electronic purse, managing funds of the personal virtual account and carrying out payment transaction with a third-party merchant terminal;
and when the personal virtual account and the third-party merchant terminal perform the balance transaction through the payment platform, verifying the balance transaction and performing corresponding balance through funds of the enterprise account after the balance transaction is verified.
9. The method of claim 1 for managing a corporate e-wallet supporting real-time personal payments, comprising: the payment platform verifies one or more combinations of legal validity, authorized validity and authorized amount of the personal virtual account, the group level virtual account and the enterprise account related in the balance transaction based on the payment order received from the third-party merchant terminal; and after the payment platform performs corresponding balance through the funds of the enterprise account, the balance result is fed back and displayed in the personal electronic wallet module, and the balance result is updated to the enterprise account, the group-level virtual account and the personal virtual account.
10. An electronic terminal, characterized by: comprising a memory for storing a computer program; a processor for running the computer program to implement the method of enterprise electronic wallet management supporting personal real-time payment according to any one of claims 8 or 9.
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