CN113537962A

CN113537962A - Alias-based payment method, device, equipment, storage medium and program product

Info

Publication number: CN113537962A
Application number: CN202110803629.XA
Authority: CN
Inventors: 高延太; 吕光
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-07-15
Filing date: 2021-07-15
Publication date: 2021-10-22

Abstract

The invention provides an alias-based payment method, which can be used in the field of financial transactions, and particularly relates to payment by using aliases on an APP (application) of a mobile phone bank and a personal internet bank. The alias-based payment method comprises the following steps: acquiring an alias binding application of a client; acquiring a corresponding relation between a bank account number of a customer and the alias of the customer; and completing the transfer according to the client alias. By establishing the binding relationship between the telephone, the electronic mailbox, the ID of the identity card, the ID of the alias and the bank account number, when a customer initiates remittance in retail channels such as internet bank, mobile phone, counter and the like, the customer can initiate real-time transfer by the alias, rely on the same-industry interconnection liquidation, and carry out real-time deduction and posting according to the return of a liquidation system, thereby establishing the overseas quick payment method based on the modes of the telephone, the electronic mailbox, the ID of the identity card, the ID of the alias and the like. The invention also provides a payment device, equipment, a storage medium and a program product based on the alias.

Description

Alias-based payment method, device, equipment, storage medium and program product

Technical Field

The invention relates to the technical field of financial transactions, in particular to a payment method, device, equipment, storage medium and program product based on an alias.

Background

In the local cross-bank real-time transfer business, a real-time clearing system generally does not exist in a plurality of overseas countries and regions, most of the local cross-bank real-time transfer business is generated files, the clearing financial affairs are processed in batches at the end of a day, and most of the local cross-bank real-time transfer business can only use account numbers to conduct transactions.

With the vigorous development and drive of domestic mobile payment, the development and demand of overseas mobile payment also enter the express way. The retail terminal has the largest requirement on local cross-bank transfer payment and is also a business scene with the largest transaction amount and transaction frequency. At present, the non-real-time transfer mode of day initiation, day-to-day clearing and next-to-account and the single scene of only using account numbers to initiate transfer payment transaction are slow in reaction speed and low in efficiency, and the real-time account-to-account clearing requirements increasingly required by overseas customers cannot be met. Even most banks in China currently support account number transfer or some banks support bound mobile phone numbers to transfer, collect and pay, the real-time transfer, collection and payment in various modes such as postboxes, ID cards, alias IDs and the like are not supported.

Disclosure of Invention

The invention mainly aims to provide a method, a device, equipment, a storage medium and a program product for paying based on an alias, aiming at solving the technical problems that the transfer real-time performance is not strong and only an account number can be used for receiving and paying in the prior art.

In order to achieve the purpose, the invention provides an alias-based payment method which can be applied to the field of financial transactions, and particularly relates to payment by using aliases on a mobile banking APP and a personal internet bank. The alias-based payment method comprises the following steps:

acquiring an alias binding application of a client;

acquiring a corresponding relation between a bank account number of a customer and the alias of the customer;

and completing the transfer according to the client alias.

Optionally, the step of acquiring the alias binding application of the client includes:

registering the binding application of the client in a binding protocol registration table;

and assembling the information of the client into a message according to the message format and sending the message to the clearing system.

Optionally, the step of assembling the information of the client into a message according to the message format and sending the message to the clearing system further comprises:

and feeding back the binding state.

Optionally, the step of completing the transfer according to the customer alias comprises:

the alias information and the bank information of the client are assembled into a message and sent to a clearing system;

transferring the customer transfer amount from the customer account to the transition user;

and completing the transfer according to the transfer payment application.

Optionally, before the step of assembling the alias information and the bank information of the customer into a message to be sent to the clearing system, the method comprises:

selecting an alias type and inputting an alias;

selecting a collection bank;

and initiating alias query retrieval.

Optionally, after the step of initiating an alias query recall, the method further comprises:

and (6) receiving the query result.

Optionally, after the step of receiving the query result, the method further comprises:

acquiring the name of a payee and confirming the payee to a client;

and initiating the transfer payment application after confirmation.

Optionally, after the step of initiating a transfer payment application after the confirmation, the method further comprises:

checking;

after the verification is passed, assembling a transfer message and sending the transfer message to the clearing system;

registering and storing the transfer message, and returning the transfer message processing result to a sending bank;

and registering the result of the transfer message, and displaying the result to the client.

Optionally, after the step of initiating the transfer payment application after the confirmation, the method further comprises:

and if the transfer fails, initiating a rollback account flushing.

Optionally, the step of initiating the transfer payment application after the confirmation comprises:

inputting the amount of money and selecting the currency;

and after confirmation, carrying out password verification and submitting a transfer application.

Optionally, the type of alias comprises a phone call, an email, an identification number, an alias ID.

In addition, to achieve the above object, the present invention further provides an alias-based payment apparatus, including:

the operation module is used for the payment operation of the client;

and the clearing system is used for realizing payment instruction transmission and fund clearing.

In addition, to achieve the above object, the present invention also provides an electronic device including:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform any of the methods described above.

Furthermore, to achieve the above object, the present invention also proposes a computer program product comprising a computer program which, when executed by a processor, implements the steps of the alias-based payment method as described above.

The technical scheme provided by the invention can be used in the field of financial transactions, and particularly refers to payment by using aliases on a mobile banking APP and a personal internet bank. The method for overseas quick payment based on the telephone, the electronic mailbox, the ID, the alias ID and the like is established by establishing a binding and maintaining method between the telephone, the electronic mailbox, the ID, the alias ID and the like and an account number, then when a customer initiates remittance in retail channels such as internet bank, mobile phone, counter and the like, the binding relation between the alias and a real account is inquired through alias calling, real-time transfer is initiated through any alias, the real-time account deduction and account entry are carried out by depending on the interconnection of the same industry, and the real-time account deduction and account entry are carried out according to the return of a clearing system. The method not only meets the clearing requirement of overseas real-time transfer and enables the client to transfer accounts more conveniently, but also provides a method for supporting multiple modes to carry out quick payment, and reduces the transaction difficulty. The account transfer service based on multiple modes such as telephone, email, identification number, alias id and the like is realized except for the account number, the flow of the account transfer service is simplified, the initiator does not need to fill in a specific collection account number and a specific name of a receiver, and only needs the alias and a collection bank to realize real-time account transfer, meanwhile, the real-time account transfer is ensured through a real-time clearing system, the account arrival time is shortened, and the account transfer commission cost of a client is reduced.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.

FIG. 1 is a schematic diagram of a system architecture of a hardware operating environment according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of the voice payment apparatus shown in FIG. 1;

FIG. 3 is a schematic structural diagram of the electronic device in FIG. 2;

FIG. 4 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 5 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 6 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 7 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 8 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 9 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 10 is a flowchart illustrating an embodiment of an alias-based payment method provided by the present invention;

FIG. 11 is a table of transfer transaction information according to the present invention.

The reference numbers illustrate:

reference numerals	Name (R)	Reference numerals	Name (R)
				100	System architecture	1806	Input part
101	Voice payment device	1807	Output section
				102	Network	1808	Storage section
103	Server	1809	Communication part
				1800	Electronic device	1810	Driver
1801	Processor with a memory having a plurality of memory cells	1811	Removable media
				1802	Read-only memory	104	Operating module
1803	Random access memory	105	Clearing system
				1804	Bus line
1805	I/O interface

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to specific embodiments and the accompanying drawings. The technical solutions in the present invention are clearly and completely described, and it is obvious that the described embodiments are some, not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

Some block diagrams and/or flow diagrams are shown in the figures. It will be understood that some blocks of the block diagrams and/or flowchart illustrations, or combinations thereof, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the instructions, which execute via the processor, create means for implementing the functions/acts specified in the block diagrams and/or flowchart block or blocks. The techniques of this disclosure may be implemented in hardware and/or software (including firmware, microcode, etc.). In addition, the techniques of this disclosure may take the form of a computer program product on a computer-readable storage medium having instructions stored thereon for use by or in connection with an instruction execution system.

It should be noted that, if directional indication is involved in the embodiment of the present invention, the directional indication is only used for explaining the relative positional relationship, the motion situation, and the like between the components in a certain posture, and if the certain posture is changed, the directional indication is changed accordingly.

In addition, if there is a description of "first", "second", etc. in an embodiment of the present invention, the description of "first", "second", etc. is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, the meaning of "and/or" appearing throughout includes three juxtapositions, exemplified by "A and/or B" including either A or B or both A and B. Also, the technical solutions in the embodiments may be combined with each other, but must be based on the realization of those skilled in the art, and when the technical solutions are contradictory or cannot be realized, the combination of the technical solutions should be considered to be absent and not be within the protection scope of the present invention.

In the description of the present invention, it should be noted that the terms "upper", "lower", "top", "bottom", "inner", "outer", and the like indicate orientations or positional relationships based on those shown in the drawings, and are only for convenience of description and simplification of description, but do not indicate or imply that the referred device or element must have a specific orientation, be constructed in a specific orientation, and be operated, and thus, should not be construed as limiting the present invention.

In the description of the present invention, it should be noted that, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.

In addition, in the description of the present invention, "a plurality", and "a plurality" mean two or more unless otherwise specified.

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In view of the above, the present invention provides a method, an apparatus, a device, a storage medium, and a program product for payment based on an alias. The method aims to solve the technical problems that transfer is not strong in real-time performance and only account numbers can be used for collection and payment in the prior art.

As shown in fig. 1, a system architecture 100 according to this embodiment may include an alias-based payment device 101, a network 102, and a server 103. Network 102 is used to provide a communication link between alias-based payment device 101 and server 103. Network 102 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

It should be noted that the alias-based payment method provided by the embodiment of the present disclosure may be executed by the server 103. Accordingly, the alias-based payment apparatus 101 provided by the embodiment of the present disclosure may be provided in the server 103. Alternatively, the alias-based payment method provided by the embodiments of the present disclosure may also be performed by a server or a cluster of servers that is different from server 103 and that is capable of communicating with alias-based payment device 101 and/or server 103. Accordingly, the alias-based payment apparatus 101 provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 103 and capable of communicating with the server 103. Alternatively, the alias-based payment method provided by the embodiment of the present disclosure may also be partially executed by the server 103 and executed by the alias-based payment apparatus 101. Accordingly, the alias-based payment apparatus 101 provided in the embodiment of the present disclosure may also be partially disposed in the server 103.

It should be understood that the number of alias-based payment devices 101, networks 102, and servers 103 in fig. 1 is merely illustrative. There may be any number of alias based payment devices 101, networks 102, and servers 103, as desired for an implementation. Referring to fig. 2, an alias-based payment apparatus 101 according to the disclosed embodiment includes: an operation module 104 and a clearing system 105. The operation module 104 is used for the payment operation of the customer; clearing system 105 is used to effect payment instruction transfer and funds clearing.

It should be noted that, a part based on the alias payment apparatus 101 in the embodiment of the present disclosure corresponds to a part based on the alias payment method in the embodiment of the present disclosure, and specific implementation details and technical effects thereof are also the same, and are not described herein again. The alias-based payment apparatus 101 is only an example and should not bring any limitation to the function and scope of use of the embodiments of the present disclosure.

Referring to fig. 3, fig. 3 is a schematic structural diagram of an electronic device 1800 in a hardware operating environment according to an embodiment of the present invention. As shown in fig. 3, the electronic device 1800 may include: a processor 1801, which may perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)1802 or a program loaded from a storage portion 1808 into a Random Access Memory (RAM) 1803. The processor 1801 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 1801 may also include onboard memory for caching purposes. The processor 1801 may include a single processing unit or multiple processing units for performing the different actions of the method flows in accordance with embodiments of the present disclosure.

In the RAM1803, the electronic device 1800 includes various programs and data necessary for operation. A processor 1801 and a memory unit 3, the memory unit 3 including a ROM 1802 and a RAM1803 being connected to each other by a bus 1804. The processor 1801 performs various operations of the method flows according to embodiments of the present disclosure by executing programs in the ROM 1802 and/or the RAM 1803. Note that the programs may also be stored in one or more memories other than ROM 1802 and RAM 1803. The processor 1801 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the present disclosure, the electronic device 1800 may also include an input/output (I/O) interface 1805, the input/output (I/O) interface 1805 also being connected to the bus 1804. The electronic device 1800 may also include one or more of the following components connected to the I/O interface 1805: an input portion 1806 including a keyboard, a mouse, and the like; an output portion 1807 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 1808 including a hard disk and the like; and a communication section 1809 including a network interface card such as a LAN card, a modem, or the like. The communication section 1809 performs communication processing via a network such as the internet. A driver 1810 is also connected to the I/O interface 1805 as needed. A removable medium 1811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1810 as necessary, so that a computer program read out therefrom is mounted in the storage portion 1808 as necessary. The communication section 1809 is used for implementing connection communication among these components, and includes various connection types such as wired, wireless communication links, or fiber optic cables. The input/output (I/O) interface 1805 may also include a standard wired interface, which may be a USB interface, a wireless interface.

The electronic device 1800 shown in fig. 3 further comprises: the network interface is mainly used for connecting the background server 103 and performing data communication with the background server 103; the user interface is mainly used for connecting user equipment; the electronic device 1800 calls the control program based on the alias payment method stored in the memory through the processor 1801, and executes the control steps based on the alias payment method provided by the embodiment of the present invention.

Those skilled in the art will appreciate that the configuration shown in fig. 3 does not constitute a limitation of the electronic device 1800 and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

Based on the hardware structure, the embodiment of the alias-based payment method is provided.

Referring to fig. 4, fig. 4 is a flowchart illustrating an embodiment of an alias-based payment method according to the present invention, in which the alias-based payment method includes the following steps:

s10: and acquiring the alias binding application of the client.

S20: and acquiring the corresponding relation between the bank account number of the customer and the alias of the customer.

S30: and completing the transfer according to the client alias.

It should be noted that, the client may initiate a binding application on the personal internet bank or the mobile phone APP, and select the alias type: telephone, email, ID card number or alias ID, and selecting a personal account number of the customer corresponding to the alias in the line as a collection account, wherein the collection bank is a bank initiating the binding application. The client can also initiate operations of modifying an account corresponding to the bound alias in the personal internet bank or the mobile phone APP, or inquiring the existing binding, deleting the binding and the like.

Referring to fig. 5, the step S10 includes the following steps:

step S101: registering the binding application of the client in a binding protocol registry.

Step S102: and assembling the information of the client into a message according to the message format and sending the message to the clearing system.

It should be noted that, a client initiates a binding application in a personal internet bank or a mobile phone, a system background firstly registers the binding application of the client in a binding protocol registration table of the current bank, and then assembles client information into a message according to an agreed message format and sends the message to a clearing system.

Further, after step S102, the method further includes:

step S103: and feeding back the binding state.

It should be noted that, the clearing system registers the alias binding relationship between the client and the bank and returns the alias binding relationship to the system, the system returns the status to the client, and the alias binding success or failure status is displayed.

Referring to fig. 6, the step S30 includes the following steps:

step S304: and (4) assembling the alias information and the bank information of the client into a message and sending the message to the clearing system.

Step S305: the customer transfer amount is transferred from the customer account to the transition account.

Step S3081: and completing the transfer according to the transfer payment application.

The background system assembles alias information and bank information of the customer into a message, transfers the transfer amount of the customer from a customer account to a transition user, and simultaneously sends the message to the clearing system. The clearing system receives the report, inquires and processes the message information, and returns the inquiry result to assemble the receipt message.

Referring to fig. 7, the following steps are further included before the step S304:

step S301: the alias type is selected and the alias is entered.

Step S302: a collection bank is selected.

Step S303: and initiating alias query retrieval.

It should be noted that, a client initiates a fast transfer application in personal internet bank and mobile phone, firstly selects alias type, money collection bank and inputs alias value (information such as telephone and email), clicks query, and initiates alias query for retrieval.

Further, after step S303, the method further includes:

step S306: and (6) receiving the query result.

It should be noted that, the clearing system receives the report, queries and processes the message information, and returns the query result to assemble the receipt message.

Referring to fig. 8, the following steps are also included after step S306:

s307: and acquiring the name of the payee and confirming the payee to the client.

S308: and initiating the transfer payment application after confirmation.

It should be noted that, the background system receives the receipt message, analyzes the message, obtains the name of the payee, returns the name to the front end, and displays the name to the client for confirmation; and after the client receives the alias retrieval result and confirms that the alias is correct, the client initiates a transfer payment application, and after the background system passes verification, the client assembles a transfer message and sends the transfer message to the clearing system.

Referring to fig. 9, the following steps are also included after step S308:

s309: and (6) checking.

S310: and after the verification is passed, assembling a transfer message and sending the transfer message to the clearing system.

S311: and registering and storing the transfer message, and returning the processing result of the transfer message to a sending bank.

S312: and registering the result of the transfer message, and displaying the result to the client.

It should be noted that, the clearing system receives the report, locally clears, registers and stores the message, and returns the message processing result to the sending line.

Further, after step S308, the method includes:

s3082: and if the transfer fails, initiating a rollback account flushing.

It should be noted that, after the background system receives the message receipt, the system registers the message result and displays the result to the client; and if the failure occurs, initiating a rollback billing.

Referring to fig. 10, the following steps are included in step S308:

step S30801: input amount, and select currency.

Step S30802: and after confirmation, carrying out password verification and submitting a transfer application.

It should be noted that, the customer B initiates a quick transfer payment at the bank B, selects an alias type on the page, inputs an alias value of the customer a, clicks a query, and queries the payee name of the customer a. After inputting the amount and selecting currency on the page, the client B enters a confirmation page and submits a transfer application after confirmation and password verification of the confirmation page. And the bank B background receives the request of the client B, and returns a processing result to the client B after the processing is finished, wherein the processing result comprises a processing result not limited to the transfer payment and a serial number generated by the system, so that the client can inquire the state of the transfer in detailed inquiry. Customer a receives customer B's transfer and customer a and customer B may query their respective bank details and status for the transfer.

It should be noted that, in the technical solution of the present disclosure, the acquisition, storage, application, and the like of the personal information of the related user all conform to the regulations of the related laws and regulations, and necessary security measures are taken without violating the good customs of the public order.

It is understood that Service 1: an alias binding service; the service of establishing an association relationship between the bank account of the customer and the telephone, the electronic mail box, the identification number or the alias ID of the customer is realized. The association relation defines the corresponding relation between the telephone number, the e-mail number, the ID card number and the like of the client and the real account number of the client, stores one copy in the bank and the clearing system of the client respectively, and ensures that alias transfer initiated by other clients can enter the real account number corresponding to the payee in real time. When the alias binding service is initiated, the service needs a caller to send alias types, alias values, client names, corresponding binding accounts and preset relations (the alias types, the alias values and the account numbers represent default collection banks and account numbers of the alias values, each type of alias of each client can only be preset, and the unique account numbers which enable alias accounts transferred by other people to uniquely enter unique collection banks are ensured).

Service 2: alias binding query and maintenance; and the maintenance operations such as query, modification, deletion and the like of the alias binding relationship are realized. Through the service, the client can modify the corresponding relation between various aliases and real accounts; the default binding bank and alias, i.e. the preset relationship, can be modified; other real account numbers of the same bank corresponding to the alias can be modified; or deleting the alias binding relationship and stopping the alias collection function. The caller needs to upload the operation type, alias value, alias bank, account number and the like, the service firstly goes to the existing alias list stored at the bank side in the service to inquire, if so, the alias is inquired, modified, deleted and the like according to different operations, and the maintenance message is synchronously sent to the clearing system, and the alias corresponding relation maintained in the clearing system is synchronously modified.

Service 3: alias transfer real-time messaging service; the client uses the alias to perform the transfer sending service. The caller needs to upload the alias type, alias value, payee bank, amount and other information of the payee, the Service firstly calls the alias query Service in Service2 to query the payee name, alias type, alias value and payee bank code corresponding to the alias in the clearing system, displays the payee name shielded by the client for confirmation, verifies that the payees are consistent, and then sends the message to the clearing system and transfers a transfer from the client account to the internal transitive account of the bank. After receiving the message, the clearing system firstly records and stores the transfer record, and then sends the message to a corresponding receiving bank receiving and reporting system according to the receiving bank code. And after the message is received by the receiving and reporting line, finding the account corresponding to the alias binding record from the alias registration table according to the locally stored alias binding relation, and transferring the corresponding amount of money to the account of the receiving client from the internal user. And returning the successful message processing state to the clearing system, returning the processing result to the bank initiating the transfer by the clearing system, and updating the processing state of the transfer stored in the system. At the end of the day, the initiating bank makes a stroke on the message according to the received state, and the transition account in the bank receives the account number of the account number which is set by the initiating bank in the bank, so that a complete alias transfer transaction is completed.

Service 4: an alias transfer query service; and the real-time processing state of the transfer record is inquired. The client initiates inquiry by using the serial number of the transfer record, the service initiates the latest state of the transfer message to a transfer record table of a clearing system according to the serial number of the client, the clearing system returns the latest state to a bank and then to the client, and the client can acquire the real-time processing state of the alias transfer initiated by the client.

FIG. 11 is a transfer transaction information table (TransactionInfo DB).

In summary, the alias binding is initiated by a customer at a counter or a network or a mobile banking channel, a corresponding protocol relationship is established between an account and a username which are opened by the customer at a bank and a telephone, an electronic mailbox, an ID card or an alias ID of the customer, the corresponding relationship is sent out through a message and a message queue and is registered in a clearing system, the clearing system stores the registration and returns a processing result to an initiating channel, and the initiating channel displays or informs the customer of a signing result of the corresponding relationship.

After the customer signs the action, when other customers initiate real-time transfer to the customer, the telephone, the electronic mail box, the ID or the alias ID can be directly used as a receiving account, at this time, a bank system background can inquire the alias corresponding relation stored in a clearing system according to the telephone, the electronic mail box, the ID or the alias ID input by the customer, a payment bank can be initiated to receive the account name and the receiving bank code of a receiver corresponding to the telephone, the electronic mail box, the ID or the alias ID returned by the clearing system inquiry, then the inquired account name and the alias are sent to a corresponding bank according to the receiving bank, the receiving bank stores a bound account corresponding to the alias, and the transfer amount is transferred to the receiving bank, so that the real-time transfer of the alias is completed.

The present disclosure also provides a computer-readable storage medium, which may be embodied in the apparatus/system described in the above embodiments; or may exist separately and not be incorporated into the device/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. Examples may include, but are not limited to: 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), 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 the present disclosure, 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.

For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM and/or RAM and/or one or more memories other than ROM and RAM described above.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section, and/or installed from a removable medium. The computer program, when executed by a processor, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure. The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 1801. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via the communication section 1809, and/or installed from a removable media 1811. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such embodiments, the computer program may be downloaded and installed from a network via the communication portion 1809, and/or installed from the removable media 1811. The computer program, when executed by the processor 1801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention or portions thereof that contribute to the prior art may be embodied in the form of a software product, where the computer software product is stored in a storage medium (e.g., a Read Only Memory (ROM)/Random Access Memory (RAM), a magnetic disk, an optical disk), and includes several instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention. The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. An alias-based payment method, comprising the steps of:

acquiring an alias binding application of a client;

and completing the transfer according to the client alias.

2. The alias-based payment method of claim 1, wherein the step of obtaining the customer's alias binding application comprises:

3. The alias-based payment method as claimed in claim 2, wherein the step of assembling the customer's information into a message according to a message format for transmission to a clearing system further comprises:

and feeding back the binding state.

4. The alias-based payment method of claim 1, wherein the step of completing the transfer in accordance with the customer alias comprises:

and completing the transfer according to the transfer payment application.

5. The alias-based payment method as recited in claim 4, wherein prior to the step of assembling the customer's alias information and the bank information into a message to a clearing system, comprising:

selecting an alias type and inputting an alias;

selecting a collection bank;

and initiating alias query retrieval.

6. The alias-based payment method of claim 5, further comprising, after the step of initiating an alias query recall:

and (6) receiving the query result.

7. The alias-based payment method of claim 6, further comprising, after the step of receiving the response piece query result:

acquiring the name of a payee and confirming the payee to a client;

and initiating the transfer payment application after confirmation.

8. The alias-based payment method as recited in claim 7, further comprising, after the step of initiating a transfer payment application after the confirming, the step of:

checking;

9. An alias-based payment method as recited in claim 7, further comprising, after the step of initiating the transfer payment application after the confirming, the steps of:

and if the transfer fails, initiating a rollback account flushing.

10. An alias-based payment method as recited in claim 7, wherein the step of initiating the transfer payment application upon confirmation comprises:

inputting the amount of money and selecting the currency;

11. The alias-based payment method of any one of claims 1-10, wherein the type of the alias comprises a phone call, an email, an identification number, an alias ID.

12. An alias-based payment apparatus, comprising:

the operation module is used for the payment operation of the client;

13. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-11.

14. A computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 11.

15. A computer program product, characterized in that it comprises a computer program which, when being executed by a processor, carries out the method according to any one of claims 1 to 11.