CN112785285B - Multi-bank payment method, system, server and storage medium - Google Patents
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Abstract
The invention provides a multi-bank payment method, which is executed by an accounting management platform and comprises the following steps: reading a pre-stored first payment bill from a first database, wherein the first payment bill comprises a collection account number, a collection bank and a payment amount; generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment transaction system; acquiring the order serial number from the payment transaction system; and generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the first payment list. According to the invention, the payment bill is generated by multi-bank payment and is uniformly sent to the payment substituting system for payment, so that the fund substituting payment can support the settlement requirements of a plurality of different banks, and the efficiency of multi-bank financial payment management is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of finance, in particular to a multi-bank payment method, a multi-bank payment system, a multi-bank payment server and a multi-bank storage medium.
Background
In the prior art, the group payment mode is various, wherein, a part of the payment is an artificial login online banking bill, the part of finance hopes to be unified systematic management, and in order to meet the finance demand, a bank enterprise direct-connection payment management is accessed in a funds management system, so that the finance payment is convenient.
The existing payment channels accessed by the payment system only comprise a plurality of banks, such as security, purchasable, chinese letter and the like, and the public account numbers of group companies are quite large and distributed in different banks, so that the payment is carried out by logging in an internet banking system of different banks or scanning payment of different account numbers during payment, and the payment efficiency is low.
Disclosure of Invention
The invention provides a multi-bank payment method, a multi-bank payment system, a multi-bank payment server and a multi-bank payment storage medium.
In a first aspect, the present invention provides a multi-bank payment method performed by an accounting management platform, comprising:
reading a pre-stored first payment bill from a first database, wherein the first payment bill comprises a collection account number, a collection bank and a payment amount;
generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
acquiring the order serial number from the payment transaction system;
and generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the first payment list.
Further, before the reading of the pre-stored first payment ticket from the first database, the method further comprises:
acquiring a first payment list uploaded by financial staff, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
generating an approval request based on the first payment bill, and sending the approval request to an OA approval system;
acquiring an approval result of the OA approval system;
if the approval result is that the approval passes, the first payment list is stored in a first database;
if the approval result is that the approval is not passed, generating prompt information of the approval not passed based on the first payment bill and sending the prompt information to an enterprise mailbox so as to prompt financial staff that the approval is not passed.
Further, after the generating the first payment request based on the collection account number, the collection bank, and the payment amount, the sending the first payment request to the payment transaction system further includes:
acquiring transaction failure prompt information from the payment transaction system, wherein the transaction failure prompt information comprises a transaction failure account number, a transaction failure bank and transaction failure time;
generating a second payment ticket based on the first payment ticket, the transaction failure account number, the transaction failure bank and the transaction failure time;
and storing the second payment list into a preset second database.
Further, after the second payment list is stored in the preset second database, the method further comprises:
reading a pre-stored second payment list from the second database at preset time intervals, wherein the second payment list comprises payment amount, transaction failure account number, transaction failure bank and transaction failure time;
generating a second payment request based on the payment amount, the transaction failure account number and the transaction failure bank, and sending the second payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
acquiring the order serial number from the payment transaction system;
and generating second payment success information based on the second payment list and the order serial number, and sending the second payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the second payment list.
Further, the first payment list further includes a preset payment time, and after the pre-stored first payment list is read from the first database, the method further includes:
and generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system at the preset payment time so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system.
Further, the first payment list further includes a single payment allowance of the collecting bank, and after the reading of the pre-stored first payment list from the first database, the method further includes:
judging whether the payment amount is larger than the single payment limit;
if the single payment limit is smaller than or equal to the single payment limit, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment transaction system;
if the payment amount is larger than the single payment limit, the payment amount is split into N sub-payment amounts, wherein N=payment amount/single payment limit, N is a positive integer, when N is a non-integer, the number of N is rounded up, each sub-payment amount from 1 st to N-1 st time=single payment limit, and the number of N sub-payment amount=payment amount- (N-1) single payment limit.
Generating N sub-payment requests based on the collection account number, the collection bank and the sub-payment amount, and sending the sub-payment requests to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates N sub-order serial numbers and sends the N sub-order serial numbers to the payment substituting transaction system;
acquiring the N sub order serial numbers from the payment transaction system and combining the N sub order serial numbers into an order serial number;
and generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the first payment list.
In a second aspect, the present invention provides a multi-bank payment system comprising:
the reading module is used for reading a prestored first payment list from the first database, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
the first payment module is used for generating a first payment request based on the collection account number, the collection bank and the payment amount, sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
the acquisition module is used for acquiring the order serial number from the payment transaction system;
and the sending module is used for generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to the enterprise mailbox so as to prompt the financial staff to complete the payment of the first payment list.
Further, the device also comprises an approval module for:
acquiring a first payment list uploaded by financial staff, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
generating an approval request based on the first payment bill, and sending the approval request to an OA approval system;
acquiring an approval result of the OA approval system;
if the approval result is that the approval passes, the first payment list is stored in a first database;
if the approval result is that the approval is not passed, generating prompt information of the approval not passed based on the first payment sheet and sending the prompt information to an enterprise mailbox so as to prompt financial staff that the approval is not passed
In a third aspect, the present invention provides a server comprising a memory, a processor and a program stored on the memory and executable on the processor, the processor implementing a multi-bank payment method as described in any of the preceding claims when the program is executed.
In a fourth aspect, the present invention provides a terminal readable storage medium having stored thereon a program which when executed by a processor is capable of implementing a multi-bank payment method as described in any of the above.
According to the invention, the payment bill is generated by multi-bank payment and is uniformly sent to the payment substituting system for payment, so that the fund substituting payment can support the settlement requirements of a plurality of different banks, and the efficiency of multi-bank financial payment management is improved.
Drawings
FIG. 1 is a flow chart of a multi-bank payment method according to a first embodiment of the present invention;
FIG. 2 is a diagram of an alternative embodiment of a first embodiment of the present invention;
FIG. 3 is a diagram of an alternative embodiment of a first embodiment of the present invention;
FIG. 4 is a flowchart of a multi-bank payment method according to a second embodiment of the present invention;
FIG. 5 is a flow chart of a multi-bank payment method according to a third embodiment of the present invention;
FIG. 6 is a diagram of an alternative embodiment of a third embodiment of the present invention;
FIG. 7 is a block diagram of a multi-bank payment system according to a fourth embodiment of the present invention;
FIG. 8 is a diagram of an alternative embodiment of a fourth embodiment of the present invention;
fig. 9 is a schematic structural diagram of a server according to a fifth embodiment of the present invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
Before discussing exemplary embodiments in more detail, it should be mentioned that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart depicts steps as a sequential process, many of the steps may be implemented in parallel, concurrently, or with other steps. Furthermore, the order of the steps may be rearranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figures. The processes may correspond to methods, functions, procedures, subroutines, and the like.
Furthermore, the terms "first," "second," and the like, may be used herein to describe various directions, acts, steps, or elements, etc., but these directions, acts, steps, or elements are not limited by these terms. These terms are only used to distinguish one direction, action, step or element from another direction, action, step or element. For example, the first packing module may be a second packing module or a third packing module, and similarly, the second packing module and the third packing module may be the first packing module without departing from the scope of the present application. The first packing module, the second packing module and the third packing module are all packing modules of the distributed file system, but are not the same packing module. The terms "first," "second," and the like, are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more such feature. In the description of the present invention, "plurality", "batch" means at least two, for example, two, three, etc., unless specifically defined otherwise.
The meanings of proper nouns and english abbreviations mentioned in the following examples are as follows:
the line number is a unique identification mark of regional banks. The system is used for inter-regional payment settlement business such as a large payment system, a small payment system, a city commercial bank draft system, a national check image system (including a city bill automatic sorting system) and the like of people's bank organization. Consists of 12 bits: 3-bit bank code, 4-bit city code, 4-bit bank number and 1-bit check bit
The money can be money which can be used by the bank at present, including cash, preparation money and deposit classmates. The business of taking a merchant ticket and mortgage to change a silver ticket, for example, pays a deposit before the ticket expires, the bank is charged when the bank is charged, and if the bank is not charged enough, the bank is charged.
Example 1
The embodiment provides a method for carrying out unified batch payment on multiple banks by adopting a pre-stored payment list, wherein an account management platform is respectively linked with a payment substituting system, a bank system and an OA auditing system, and initiates an instruction to the payment substituting system to carry out account and bank transfer operation. And the accounting management platform can acquire the approval result of the OA approval system. The management platform is connected with enterprise WeChat, enterprise mailbox and the like at the same time, and when information is generated, the management platform sends information to the enterprise WeChat and mailbox.
As in fig. 1, the method comprises the following steps:
s101, reading a pre-stored first payment list from a first database, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
in this implementation, the accounting management platform pre-stores a payment bill, where the first payment bill in the step refers to a payment bill uploaded by a financial staff, and is used for recording information such as a collection account number, a collection bank, and a payment amount for initiating a payment. The first database is used for storing a first data sheet.
S102, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system.
In the step, after receiving remittance, the cashier generates an order serial number and sends the order serial number to the payment transaction system if the payment is successful.
In this step, a payment status is also queried. Specifically, the first payment request is sent to a payment-substituting transaction system, so that after the payment-substituting transaction system executes payment operation to the collection bank, if the serial number of the order of the collection bank is not received yet, the accounting management platform sets the payment state of the payment list as "payment, and initiates a payment result inquiry request to the payment-substituting system every 5 minutes. When the payment result is inquired, the payment generation and payment system returns the payment result to the accounting management system, so that the accounting management system changes the payment state of the payment bill from 'payment in process' to 'payment completion'. If the payment result is failed, the user checks whether the failure result is returned by the bank again, so that repeated money is avoided, and the group fund loss is reduced.
S103, acquiring the order serial number from the payment transaction system;
s104, generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt financial staff to complete payment of the first payment list.
And the message can be sent to an enterprise mailbox or an enterprise WeChat.
In an alternative embodiment, as shown in fig. 2, the first payment list further includes a preset payment time, and after step S101, the method further includes:
and S105, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system at the preset payment time so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system.
In an alternative embodiment, as shown in fig. 3, the first payment bill further includes a single payment allowance of the collecting bank, and after step S101, further includes:
s1061, judging whether the payment amount is larger than the single payment limit;
s1062, if the single payment limit is smaller than or equal to the single payment limit, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment transaction system;
and S1063, if the payment sum is larger than the single payment limit, splitting the payment sum into N sub-payment sums, wherein N=payment sum/single payment limit, N is a positive integer, and when N is a non-integer, rounding up, wherein each sub-payment sum of 1 st to N-1 st times=single payment limit, and the Nth sub-payment sum=payment sum- (N-1) single payment limit.
S1064, generating N sub-payment requests based on the collection account number, the collection bank and the sub-payment amount, and sending the sub-payment requests to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates N sub-order serial numbers and sends the N sub-order serial numbers to the payment substituting transaction system;
s1065, acquiring the N sub order serial numbers from the payment transaction system and combining the N sub order serial numbers into an order serial number;
according to the embodiment, the payment bill is generated by multi-bank payment and is uniformly sent to the payment substituting system for payment, so that the fund substituting payment can support the settlement requirements of a plurality of different banks, and the efficiency of multi-bank financial payment management is improved.
Example two
As shown in fig. 4, the present embodiment adds the steps of approving the first payment form before being stored in the first database based on the above embodiment, and the specific steps are as follows:
s2011, acquiring a first payment list uploaded by financial staff, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
s2012, generating an approval request based on the first payment bill, and sending the approval request to an OA approval system;
s2013, acquiring an approval result of the OA approval system;
s2014, if the approval result is that the approval passes, storing the first payment list in a first database;
s2015, if the approval result is that the approval is not passed, generating prompt information of the approval is not passed based on the first payment bill and sending the prompt information to an enterprise mailbox so as to prompt financial staff that the approval is not passed.
S202, reading a pre-stored first payment list from a first database, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
s203, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
s204, acquiring the order serial number from the payment transaction system;
s205, generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt financial staff to complete payment of the first payment list.
According to the embodiment, the payment bill is generated by multi-bank payment and is uniformly sent to the payment substituting system for payment, so that the fund substituting payment can support the settlement requirements of a plurality of different banks, and the efficiency of multi-bank financial payment management is improved.
Example III
The embodiment adds a hold list operation when transaction failure occurs, as shown in fig. 5, and includes the following steps:
s301, reading a pre-stored first payment list from a first database, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
s302, a first payment request is generated based on the collection account number, the collection bank and the payment amount, the first payment request is sent to a payment substituting transaction system, so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system.
In the existing money-making mode, the balance information of the payment account cannot be known in real time when the bill is made, and money-making failure is easily caused by insufficient balance, so that the bill needs to be made again. Thus in a further alternative embodiment, the first payment sheet further comprises a payment account number and a payment account balance, and in this step further comprises:
judging whether the balance of the payment account is greater than or equal to the payment amount, and if so, generating a first payment request based on the collection account, the collection bank and the payment amount; if the balance insufficient information is smaller than the payment amount, generating balance insufficient information and sending the balance insufficient information to an enterprise mailbox so as to prompt financial staff to prepare the payment account.
S303, acquiring transaction failure prompt information from the payment transaction system, wherein the transaction failure prompt information comprises a transaction failure account number, a transaction failure bank and transaction failure time;
s304, generating a second payment bill based on the first payment bill, the transaction failure account number, the transaction failure bank and the transaction failure time;
s305, storing the second payment list into a preset second database.
In an alternative embodiment, as shown in fig. 6, step S305 further includes:
s306, reading a pre-stored second payment list from the second database at preset time intervals, wherein the second payment list comprises payment amount, transaction failure account number, transaction failure bank and transaction failure time;
s307, generating a second payment request based on the payment amount, the transaction failure account number and the transaction failure bank, and sending the second payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
s308, acquiring the order serial number from the payment transaction system;
s309, generating second payment success information based on the second payment list and the order serial number, and sending the second payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the second payment list.
According to the embodiment, the bill making which fails to pay is stored in the second database, and the payment is retried through the preset time interval, so that the trouble that financial staff needs to re-input the bill making is avoided, and the efficiency is improved.
Example IV
As shown in fig. 7, the present embodiment provides a multi-bank payment system 4, specifically including:
a reading module 401, configured to read a pre-stored first payment ticket from a first database, where the first payment ticket includes a collection account number, a collection bank, and a payment amount;
the first payment module 402 is configured to generate a first payment request based on the collection account number, the collection bank, and the payment amount, and send the first payment request to a payment exchange system, so that the payment exchange system performs a payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment exchange system.
The first payment list further comprises a preset payment time, the module is further used for generating a first payment request based on the collection account number, the collection bank and the payment amount, the first payment request is sent to the payment substituting transaction system at the preset payment time, so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system.
An obtaining module 403, configured to obtain the order serial number from the payment transaction system;
and the sending module 404 is configured to generate first payment success information based on the first payment order and the order serial number, and send the first payment success information to the mailbox of the corporation, so as to prompt the financial staff to complete the payment of the first payment order.
As shown in fig. 8, the device further includes an approval module 405 for: acquiring a first payment list uploaded by financial staff, wherein the first payment list comprises a collection account number, a collection bank and a payment amount; generating an approval request based on the first payment bill, and sending the approval request to an OA approval system; acquiring an approval result of the OA approval system; if the approval result is that the approval passes, the first payment list is stored in a first database; if the approval result is that the approval is not passed, generating prompt information of the approval not passed based on the first payment bill and sending the prompt information to an enterprise mailbox so as to prompt financial staff that the approval is not passed.
A transaction failure prompting module 406, configured to obtain transaction failure prompting information from the payment transaction system, where the transaction failure prompting information includes a transaction failure account number, a transaction failure bank, and a transaction failure time; generating a second payment ticket based on the first payment ticket, the transaction failure account number, the transaction failure bank and the transaction failure time; and storing the second payment list into a preset second database.
In an alternative embodiment, further comprising:
a second payment module 407 for: reading a pre-stored second payment list from the second database at preset time intervals, wherein the second payment list comprises payment amount, transaction failure account number, transaction failure bank and transaction failure time; generating a second payment request based on the payment amount, the transaction failure account number and the transaction failure bank, and sending the second payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system; acquiring the order serial number from the payment transaction system; and generating second payment success information based on the second payment list and the order serial number, and sending the second payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the second payment list.
In an alternative embodiment, the first payment sheet further comprises a single payment allowance of the collecting bank, and then further comprises:
the unpacking module 408 is configured to determine whether the payment amount is greater than the single payment limit after reading a pre-stored first payment ticket from a first database; if the single payment limit is smaller than or equal to the single payment limit, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment transaction system; if the payment amount is larger than the single payment limit, the payment amount is split into N sub-payment amounts, wherein N=payment amount/single payment limit, N is a positive integer, when N is a non-integer, the number of N is rounded up, each sub-payment amount from 1 st to N-1 st time=single payment limit, and the number of N sub-payment amount=payment amount- (N-1) single payment limit. Generating N sub-payment requests based on the collection account number, the collection bank and the sub-payment amount, and sending the sub-payment requests to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates N sub-order serial numbers and sends the N sub-order serial numbers to the payment substituting transaction system; acquiring the N sub order serial numbers from the payment transaction system and combining the N sub order serial numbers into an order serial number; and generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the first payment list.
The multi-bank payment system 4 can execute the multi-bank payment method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example five
The present embodiment provides a schematic structural diagram of a server, as shown in fig. 9, where the server includes a processor 501, a memory 502, an input device 503, and an output device 504; the number of processors 501 in the server may be one or more, one processor 501 being shown as an example; the processor 501, memory 502, input means 503 and output means 504 in the device/terminal/server may be linked by a bus or other means, in fig. 9 by way of example.
The memory 502 is a computer readable storage medium, and may be used to store software programs, computer executable programs, and modules, such as program instructions/modules corresponding to multi-bank payment in embodiments of the present invention. The processor 501 executes various functional applications of the device/terminal/server and data processing, i.e., realizes the above-described multi-bank payment, by running software programs, instructions and modules stored in the memory 502.
Memory 502 may include primarily a program storage area and a data storage area, wherein the program storage area may store an operating system, at least one application program required for functionality; the storage data area may store data created according to the use of the terminal, etc. In addition, memory 502 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid-state storage device. In some examples, memory 502 may further include memory located remotely from processor 501, which may be linked to the device/terminal/server via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input means 503 may be used to receive input numeric or character information and to generate key signal inputs related to user settings of the device/terminal/server and function control. The output 504 may include a display device such as a display screen.
The fifth embodiment of the invention provides a server capable of executing the multi-bank payment provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example six
A sixth embodiment of the present invention also provides a computer readable storage medium having stored thereon a computer program which when executed by a processor implements multi-bank payment as provided by any embodiment of the present invention, the method may include:
reading a pre-stored first payment bill from a first database, wherein the first payment bill comprises a collection account number, a collection bank and a payment amount;
generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
acquiring the order serial number from the payment transaction system;
and generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the first payment list.
The computer-readable storage media of embodiments of the present invention may take the form of any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: an electrical link having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, smalltalk, C ++ and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or terminal. In the case of remote computers, the remote computer may be linked to the user's computer through any sort of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or it may be linked to an external computer (for example, through the Internet using an Internet service provider).
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.
Claims (8)
1. A multi-bank payment method, performed by an accounting management platform, comprising:
reading a pre-stored first payment bill from a first database, wherein the first payment bill comprises a collection account number, a collection bank and a payment amount;
generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
acquiring the order serial number from the payment transaction system;
generating first payment success information based on a first payment list and an order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to finish payment of the first payment list;
after the generating the first payment request based on the collection account number, the collection bank and the payment amount, sending the first payment request to a payment transaction system, the method further comprises:
acquiring transaction failure prompt information from the payment transaction system, wherein the transaction failure prompt information comprises a transaction failure account number, a transaction failure bank and transaction failure time;
generating a second payment ticket based on the first payment ticket, the transaction failure account number, the transaction failure bank and the transaction failure time;
storing the second payment list into a preset second database;
after the second payment list is stored in a preset second database, the method further comprises the following steps:
reading a pre-stored second payment list from the second database at preset time intervals, wherein the second payment list comprises payment amount, transaction failure account number, transaction failure bank and transaction failure time;
generating a second payment request based on the payment amount, the transaction failure account number and the transaction failure bank, and sending the second payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
acquiring the order serial number from the payment transaction system;
and generating second payment success information based on the second payment list and the order serial number, and sending the second payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the second payment list.
2. The method of claim 1, further comprising, prior to said reading the pre-stored first payment instrument from the first database:
acquiring a first payment list uploaded by financial staff, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
generating an approval request based on the first payment bill, and sending the approval request to an OA approval system;
acquiring an approval result of the OA approval system;
if the approval result is that the approval passes, the first payment list is stored in a first database;
if the approval result is that the approval is not passed, generating prompt information of the approval not passed based on the first payment bill and sending the prompt information to an enterprise mailbox so as to prompt financial staff that the approval is not passed.
3. The method of claim 1, wherein the first payment instrument further comprises a preset payment time, and wherein after reading the pre-stored first payment instrument from the first database, further comprises:
and generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment substituting transaction system at the preset payment time so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system.
4. The method of claim 1, wherein the first payment instrument further comprises a single payment allowance of a collection bank, and wherein after reading the pre-stored first payment instrument from the first database, further comprises:
judging whether the payment amount is larger than the single payment limit;
if the single payment limit is smaller than or equal to the single payment limit, generating a first payment request based on the collection account number, the collection bank and the payment amount, and sending the first payment request to a payment transaction system;
if the payment amount is larger than the single payment limit, the payment amount is split into N sub-payment amounts, wherein N=payment amount/single payment limit, N is a positive integer, when N is a non-integer, the number of N is rounded up, each sub-payment amount from 1 st to N-1 st time=single payment limit, and the number of N sub-payment amount=payment amount- (N-1) single payment limit;
generating N sub-payment requests based on the collection account number, the collection bank and the sub-payment amount, and sending the sub-payment requests to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates N sub-order serial numbers and sends the N sub-order serial numbers to the payment substituting transaction system;
acquiring the N sub order serial numbers from the payment transaction system and combining the N sub order serial numbers into an order serial number;
and generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the first payment list.
5. A multi-bank payment system, comprising:
the reading module is used for reading a prestored first payment list from the first database, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
the first payment module is used for generating a first payment request based on the collection account number, the collection bank and the payment amount, sending the first payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
the acquisition module is used for acquiring the order serial number from the payment transaction system;
the sending module is used for generating first payment success information based on the first payment list and the order serial number, and sending the first payment success information to an enterprise mailbox so as to prompt financial staff to complete payment of the first payment list;
the system further comprises:
the transaction failure prompting module is used for acquiring transaction failure prompting information from the payment transaction system, wherein the transaction failure prompting information comprises a transaction failure account number, a transaction failure bank and transaction failure time;
generating a second payment ticket based on the first payment ticket, the transaction failure account number, the transaction failure bank and the transaction failure time; storing the second payment list into a preset second database;
the system further comprises:
the second payment module is used for reading a pre-stored second payment bill from the second database at preset time intervals, wherein the second payment bill comprises a payment amount, a transaction failure account number, a transaction failure bank and transaction failure time;
generating a second payment request based on the payment amount, the transaction failure account number and the transaction failure bank, and sending the second payment request to a payment substituting transaction system so that the payment substituting transaction system executes payment operation to the collection bank, and the collection bank generates an order serial number and sends the order serial number to the payment substituting transaction system;
acquiring the order serial number from the payment transaction system;
and generating second payment success information based on the second payment list and the order serial number, and sending the second payment success information to an enterprise mailbox so as to prompt a financial staff to complete payment of the second payment list.
6. The system of claim 5, further comprising an approval module for:
acquiring a first payment list uploaded by financial staff, wherein the first payment list comprises a collection account number, a collection bank and a payment amount;
generating an approval request based on the first payment bill, and sending the approval request to an OA approval system;
acquiring an approval result of the OA approval system;
if the approval result is that the approval passes, the first payment list is stored in a first database;
if the approval result is that the approval is not passed, generating prompt information of the approval not passed based on the first payment bill and sending the prompt information to an enterprise mailbox so as to prompt financial staff that the approval is not passed.
7. A server comprising a memory, a processor and a program stored on the memory and executable on the processor, wherein the processor implements the multi-bank payment according to any of claims 1-4 when the program is executed.
8. A terminal readable storage medium having stored thereon a program, which when executed by a processor is capable of realizing a multi-bank payment according to any of claims 1-4.
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