CN114298703A - Aggregated payment method and system - Google Patents

Abstract

The invention provides an aggregated payment method and system. The method is suitable for managing payment-type services of a plurality of users and a plurality of payment institutions through an aggregated payment system, and comprises the following steps: importing data of a plurality of users, and setting one or more virtual users for each user; establishing connection between one of the plurality of ports of each virtual user and the account to be sorted, and establishing connection between one or more of the plurality of ports and the settlement account of the selected one or more payment mechanisms; receiving deposit information of the funds flowing into the account to be cleared and generating a deposit bill; receiving a credit distribution instruction of a user, transferring funds in a credit account to be cleared to a settlement account corresponding to a specified virtual user, and generating a bill; and checking the bill between the bill outlet and the bill inlet, and if the bill outlet and the bill inlet are correct, closing the account of the account checking instruction. The aggregation payment method and the system can efficiently connect the user with the payment structure, and realize high-efficiency and low-cost account splitting and checking.

Description

Aggregated payment method and system

Technical Field

The invention mainly relates to the field of internet payment, in particular to an aggregated payment method and system.

Background

With the rapid development of mobile networks and information technologies and the popularization of mobile payment devices, the payment modes that can be selected by people in daily life are also developed towards diversification and convenience. With the overall expansion of the mobile payment market, more and more places are available for people to provide mobile payment services. Supermarkets, shopping malls, convenience stores, drug stores, restaurants and the like can use mobile phones to complete payment, and a primary perfect payment network is formed. When people pay, people can select a plurality of payment modes, and merchants can promote some preferential vouchers.

The aggregated payment between the bank, the third party payment and the merchant has the characteristic of personalized customization according to the requirements of the merchant, and has the advantages of neutrality, flexibility, convenience and the like, so that the aggregated payment has certain market share in the internet payment field.

However, the transaction types of WeChat (small program and APP), Paibao (small program and APP), cloud flash payment, shortcut, gateway, credit card staging and the like in the market are numerous, the docking process is complex, the problems of safety, real-name authentication, fund escrow and the like are obvious, and the transaction cost is greatly increased.

Therefore, how to unify and efficiently connect the user and the payment structure and realize high-efficiency and low-cost real-time account splitting and checking is a problem to be solved urgently.

Disclosure of Invention

The invention aims to provide an aggregate payment method and an aggregate payment system which are connected with a user, a bank and a payment mechanism and can realize high-efficiency and low-cost account splitting and reconciliation on the premise of ensuring information security.

In order to solve the above technical problem, the present invention provides an aggregated payment method, which is suitable for managing payment services of a plurality of users and a plurality of payment institutions through an aggregated payment system, and includes: importing data of a plurality of users, and setting one or more virtual users for each user according to the data; establishing connection between one of the plurality of ports of each virtual user and a port of an account to be sorted, and establishing connection between one or more of the plurality of ports of each virtual user and a port of a settlement account of one or more selected payment mechanisms; receiving deposit information of the funds flowing into the account to be liquidated and classified and generating a deposit bill; receiving a branch account instruction of a user, transferring the fund in the account to be counted into a settlement account corresponding to the appointed virtual account through the appointed virtual account in the branch account instruction, and generating a bill; and checking the bill of the bill output and the bill of the account entry in a preset time period, and if the check is correct, performing account closing processing on the account dividing instruction.

In an embodiment of the invention, the method of aggregated payment further comprises interfacing the port of the account to be credited with an interface of one or more payment institutions to transfer funds into the account to be credited through the one or more payment institutions.

In an embodiment of the present invention, the aggregated payment method further includes, before the step of setting up one or more virtual users for each user according to the data, receiving and verifying a network access material and a user license of the user, and if the verification is passed, setting up one or more virtual users for each user according to the data.

In an embodiment of the present invention, the method for aggregated payment further includes, before the port of each virtual user is connected to the port of the settlement account of the selected payment institution, parking each user in the selected payment institution, where the parking includes the steps of selecting an operation category, selecting a user category, and submitting user information to the selected payment institution, and the parking is completed if the selected payment institution passes the user information verification.

In an embodiment of the present invention, before importing the data of the plurality of users, the method further includes encrypting the data using an asymmetric key string, transmitting the encrypted data to the aggregation payment system through a white list interface, and decrypting the encrypted data using the asymmetric key by the aggregation payment system to complete importing the data of the plurality of users.

In an embodiment of the present invention, the encrypting includes adding an identifier to sensitive information of the user, encapsulating the encrypted data by a formulated identifier to generate a plaintext identifier, writing the identifier, the plaintext identifier, and verification information into a verification information file, transmitting the verification information file to the aggregation payment system, identifying the plaintext identifier in the verification information file according to a hidden identifier by the aggregation payment system, decoding the verification information file to obtain the encrypted data, and storing the encrypted data and the hidden identifier in a database of the aggregation payment system, thereby completing the step of importing the data of the plurality of users.

The invention also provides an aggregation payment system, which comprises an account opening module, a payment module and a payment module, wherein the account opening module is configured to import data of a plurality of users, set one or more virtual accounts for each user according to the data, establish connection between one of a plurality of ports of each virtual account and a port of an account to be cleared, and establish connection between one or more ports of the plurality of ports of each virtual account and a port of a settlement account of one or more selected payment mechanisms; the deposit module is configured to receive deposit information of the funds flowing into the account to be liquidated and classified and generate a deposit bill; the account dividing and cash out module is configured to receive an account dividing instruction of a user, transfer the funds in the account to be divided into funds to a settlement account corresponding to the specified virtual user through the specified virtual user in the account dividing instruction, and generate a bill; and the account checking module is configured to check the bill between the bill output and the bill input in a preset time period, and if the check is correct, the account checking module closes the account of the account checking instruction.

In an embodiment of the present invention, the system further includes an encryption module configured to encrypt the data of the plurality of users using an asymmetric key string before the account opening module imports the data.

The present invention also provides an aggregated payment system, comprising: a memory for storing instructions executable by the processor; and a processor for executing the instructions to implement the aggregate payment method as described above.

The invention also provides a computer readable medium having stored computer program code which, when executed by a processor, implements an aggregated payment method as described hereinbefore.

The aggregation payment method and the aggregation payment system provide the virtual user for the user based on the user data protected by encryption, and connect the virtual user with the account to be sorted and the settlement account, so that the functions of high-efficiency and low-cost sorting and reconciliation are realized for the user under different application scenes, and the transaction safety is guaranteed.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the principle of the invention. In the drawings:

FIG. 1 is an exemplary flow of a method of aggregating payments, in accordance with an embodiment of the present invention;

FIG. 2 is a schematic diagram of the operation of an aggregate payment method according to an embodiment of the invention;

FIG. 3 is an exemplary process flow for setting up a virtual user in a method for aggregated payment, according to an embodiment of the present invention;

FIG. 4 is an exemplary flow of user enrollment in a method of aggregated payment, in accordance with an embodiment of the present invention;

FIG. 5 is an exemplary flow of a user data encryption process in an aggregated payment method in accordance with an embodiment of the present invention;

FIG. 6 is an exemplary framework diagram of an aggregated payment system of an embodiment of the invention;

fig. 7 is an exemplary block diagram of an aggregated payment system in accordance with another embodiment of the invention.

Detailed Description

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings used in the description of the embodiments will be briefly introduced below. It is obvious that the drawings in the following description are only examples or embodiments of the application, from which the application can also be applied to other similar scenarios without inventive effort for a person skilled in the art. Unless otherwise apparent from the context, or otherwise indicated, like reference numbers in the figures refer to the same structure or operation.

As used in this application and the appended claims, the terms "a," "an," "the," and/or "the" are not intended to be inclusive in the singular, but rather are intended to be inclusive in the plural unless the context clearly dictates otherwise. In general, the terms "comprises" and "comprising" merely indicate that steps and elements are included which are explicitly identified, that the steps and elements do not form an exclusive list, and that a method or apparatus may include other steps or elements.

The relative arrangement of the components and steps, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the present application unless specifically stated otherwise. Meanwhile, it should be understood that the sizes of the respective portions shown in the drawings are not drawn in an actual proportional relationship for the convenience of description. Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate. In all examples shown and discussed herein, any particular value should be construed as merely illustrative, and not limiting. Thus, other examples of the exemplary embodiments may have different values. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.

In the description of the present application, it is to be understood that the orientation or positional relationship indicated by the directional terms such as "front, rear, upper, lower, left, right", "lateral, vertical, horizontal" and "top, bottom", etc., are generally based on the orientation or positional relationship shown in the drawings, and are used for convenience of description and simplicity of description only, and in the case of not making a reverse description, these directional terms do not indicate and imply that the device or element being referred to must have a particular orientation or be constructed and operated in a particular orientation, and therefore, should not be considered as limiting the scope of the present application; the terms "inner and outer" refer to the inner and outer relative to the profile of the respective component itself.

Spatially relative terms, such as "above … …," "above … …," "above … …," "above," and the like, may be used herein for ease of description to describe one device or feature's spatial relationship to another device or feature as illustrated in the figures. It will be understood that the spatially relative terms are intended to encompass different orientations of the device in use or operation in addition to the orientation depicted in the figures. For example, if a device in the figures is turned over, devices described as "above" or "on" other devices or configurations would then be oriented "below" or "under" the other devices or configurations. Thus, the exemplary term "above … …" can include both an orientation of "above … …" and "below … …". The device may be otherwise variously oriented (rotated 90 degrees or at other orientations) and the spatially relative descriptors used herein interpreted accordingly.

It should be noted that the terms "first", "second", and the like are used to define the components, and are only used for convenience of distinguishing the corresponding components, and the terms have no special meanings unless otherwise stated, and therefore, the scope of protection of the present application is not to be construed as being limited. Further, although the terms used in the present application are selected from publicly known and used terms, some of the terms mentioned in the specification of the present application may be selected by the applicant at his or her discretion, the detailed meanings of which are described in relevant parts of the description herein. Further, it is required that the present application is understood not only by the actual terms used but also by the meaning of each term lying within.

It will be understood that when an element is referred to as being "on," "connected to," "coupled to" or "contacting" another element, it can be directly on, connected or coupled to, or contacting the other element or intervening elements may be present. In contrast, when an element is referred to as being "directly on," "directly connected to," "directly coupled to" or "directly contacting" another element, there are no intervening elements present. Similarly, when a first component is said to be "in electrical contact with" or "electrically coupled to" a second component, there is an electrical path between the first component and the second component that allows current to flow. The electrical path may include capacitors, coupled inductors, and/or other components that allow current to flow even without direct contact between the conductive components.

Flow charts are used herein to illustrate operations performed by systems according to embodiments of the present application. It should be understood that the preceding or following operations are not necessarily performed in the exact order in which they are performed. Rather, various steps may be processed in reverse order or simultaneously. Meanwhile, other operations are added to or removed from these processes.

Referring to fig. 1, an embodiment of the present invention provides an aggregated payment method 100, which can connect a user, a bank, and a payment mechanism, and implement the functions of accounting and reconciliation with high efficiency and low cost on the premise of ensuring information security. In this embodiment, the aggregate payment method 100 includes the following steps.

Step S110 is to import data of multiple users, and set up one or more virtual users for each user according to the data.

Step S120 is to establish a connection between one of the ports of each virtual user and a port of an account to be sorted, and to establish a connection between one or more of the ports of each virtual user and a port of a settlement account of the selected one or more payment institutions.

Step S130 is to receive deposit information of the deposit funds in the account to be liquidated and generate a deposit bill.

Step S140 is to receive the account splitting instruction of the user, transfer funds in the account to be sorted to the settlement account corresponding to the designated virtual account through the designated virtual account in the account splitting instruction, and generate a bill.

Step S150 is to check the bill between the outgoing bill and the incoming bill in a preset time period, and if the check is correct, perform a closing process on the billing instruction.

The above steps will now be described in detail.

In step S110, data of a plurality of users that need to be managed is imported into the aggregated payment system, and the aggregated payment system opens one or more corresponding virtual users for each account. For example, a user of the aggregated payment system of the present invention may set up a plurality of virtual users according to the requirement, or may set up only one virtual user, which is not limited by the present invention.

In step S120, each virtual account opened in step S110 has a plurality of ports, and a connection is established with a port of an account to be sorted through one of the plurality of ports. The outstanding account may be, for example, a reserve account of the central bank that may be used to receive funds and transfer funds. One or more of the plurality of ports of each virtual user in this embodiment may also establish a connection with a port of a settlement account of the selected one or more payment institutions. In particular, a user (i.e., subscriber) of the aggregated payment system may select which settlement account of a particular payment institution to connect with. For example, the user may choose to establish a connection with one or any of the payment treasures, WeChat, cloud flash or other bank card settlement accounts.

In step S130, the aggregate payment system may automatically receive deposit information for the inflow funds in the account to be classified and generate an inflow bill. In particular, an incoming notification for a payment institution or bank may obtain information for the inflowing funds through a notification mechanism of the aggregate payment system. The pending account then informs the aggregated payment system that there is a payment to be credited. The system may also generate an incoming bill by reconciling the funds in the account to be credited with the actual payment institution or bank account. Meanwhile, the user can be informed of the fund arrival account information through the aggregation payment system.

In step S140, after the aggregate payment system receives the branch instruction of the user, the fund in the account to be sorted is transferred to the settlement account corresponding to the virtual account through the virtual account specified in the branch instruction, and meanwhile, a bill can be generated. The aggregation payment method allows a user to send the account splitting instruction with different contents to the account to be sorted according to the requirement, and can instruct a specific virtual user participating in account splitting.

In some embodiments of the present invention, the user may set the billing instruction in the aggregated payment system in advance, or may set the billing instruction again each time the inflow funds are received or within a period of time after the inflow funds are received, which is not limited by the present invention.

In step S150, the embodiment of fig. 1 may check the bill out acquired in step S130 with the posting bill acquired in step S140 for a predetermined time. And if the account is checked to be correct, the account checking instruction is subjected to account closing processing. The user may set the predetermined time for checking the bill according to the actual demand, for example, may set the bill checking to be performed every other day. The aggregated payment method can avoid fund loss and generation of differential bills by generating the incoming bills and the outgoing bills in real time and checking the bills in a preset time.

In one embodiment of the invention, the ports of the account to be credited may be interfaced with one or more payment institutions, such that funds may be transferred into the account to be credited via the one or more payment institutions. For example, the outstanding account may be a compulsory bank funds transfer account that may establish a connection with one or any of the payment institutions, such as WeChat, Payment Bao, or cloud flash, through which the payment institution may transfer funds to the outstanding account.

To further illustrate the aggregate payment method of the present application, a more detailed description is provided below, and in particular, reference will be made to an operational diagram 200 of the aggregate payment method shown in fig. 2.

In the embodiment of fig. 2, the payment institutions include WeChat, Payment treasures and banks or other institutions, as well as other approved payment institutions that support deposit, i.e., transfer of funds to the payment institutions. The mode of transferring funds comprises transferring funds and paying price.

The aggregated payment system establishes a connection between the payment mechanism and the account to be credited. And after the funds flow into the account to be liquidated, the aggregation payment system receives deposit information of the inflowing funds and generates a corresponding deposit bill.

The aggregated payment system, on the other hand, opens one or more corresponding virtual accounts for the settlement account. In the embodiment of 2, two virtual users, namely a virtual user a and a virtual user B, are opened for the a settlement account, the virtual user a is correspondingly connected to the a settlement account, and the virtual user B is correspondingly connected to the B settlement account. On the basis, the virtual account A can be correspondingly connected to the account C to meet different requirements of different users on the account separation. It is understood that the subject aggregated payment system may also include other virtual users corresponding to other settlement account settings. For better understanding of the scheme, in a scene of payment through the e-commerce platform, a merchant obtains a fund account through a product sold by the e-commerce platform, a virtual account B may be set for the e-commerce platform, and a virtual account a may be set for a merchant who is resident in the e-commerce platform, so that for a purchase account of a store, the withdrawal of the e-commerce platform will be directly allocated to a B settlement account correspondingly connected to the virtual account B of the e-commerce platform. For the merchant, there may be a plurality of required fund flow directions (such as a cost settlement account, a profit settlement account, and the like), at this time, since a plurality of virtual accounts (or different ports of the virtual account a) are developed for the merchant twice and are respectively connected with the settlement account a and the settlement account C, different account-separating requirements of the merchant a for the same fund account are met, and the method is more flexible and practical.

The aggregated payment system of fig. 2 also establishes a connection between the virtual user and the account to be credited. And after receiving the branch account command, the payment system transfers the corresponding funds in the account to be sorted to the settlement account corresponding to the virtual account through the virtual account specified in the branch account command according to the branch account command. And generating a bill. The billing and charge-out statements described above may be checked to determine if there is a reconciliation difference.

The aggregated payment method integrates the functions of payment, account separation and transfer of a plurality of payment mechanisms, establishes connection with a settlement account, and informs support of account entry, account separation, payment and account checking, thereby simplifying the process of aggregated payment.

In an embodiment of the present invention, before the step of setting up one or more virtual users for each user according to the data, the network access material and the user license of the user are received and checked, and if the check is passed, one or more virtual users are set up for each user according to the data.

To further illustrate the process of opening a virtual user according to the present invention, a specific embodiment is provided herein, and reference is made to an exemplary flow 300 of opening a virtual user in the aggregate payment method in this embodiment shown in fig. 3.

In step S310, the user prepares a web material for opening a virtual user for system auditing. The access of illegal accounts can be effectively avoided through the examination of the network access materials of the users, so that the safety of funds is protected.

In step S320, the system receives the web access material submitted by the user, and then performs an audit on the web access material, and if the web access material passes the audit, performs the next step. Otherwise, judging that the user does not pass the audit and needs to submit the network access material again.

In step S330, the user also needs to submit a user certificate for system review. The role of the user license includes proving the identity of the user.

In step S340, if the system receives the user license of the user and then determines that the license meets the requirement, step S3450 is executed to set up a virtual user for the user. Otherwise, the user is required to submit the user license again until the user license passes the audit.

The account opened by the virtual user is checked to avoid the entrance of illegal account, thereby effectively protecting the safety of system and fund.

In another embodiment of the invention, before the port of each virtual user is connected with the port of the settlement account of the selected payment mechanism, each user is logged in the selected payment mechanism, the logging comprises the steps of selecting the operation category, selecting the user category and submitting the user information to the selected payment mechanism, and the logging is completed if the selected payment mechanism passes the user information verification.

To further illustrate the user enrollment process of the present invention, a specific embodiment is presented herein with reference to the exemplary flow 400 of user enrollment of the aggregated payment method in this embodiment shown in fig. 3.

In step S410, the user needs to select a mechanism for parking when parking. For example, the user may select one or any of the payment mechanisms such as resident WeChat, Payment treasurer, or cloud flash payment, as desired.

In step S420, after the user determines the resident payment mechanism, the user selects the management category and the user category.

In step S430, the user needs to submit user information for review.

In step S440, after the system passes the verification of the user information submitted by the user, step S450 is performed, that is, the check-in is successful. Otherwise, the user needs to submit the user information again until the audit is passed.

The above process can well classify and manage the resident merchants and prevent the resident of illegal users.

In an embodiment of the invention, before importing data of a plurality of users, encrypting the data by using an asymmetric key string, and transmitting the encrypted data to an aggregation payment system through a white list interface; then, the encrypted data is decrypted by the aggregated payment system using the asymmetric key to complete the step of importing the data of the plurality of users. Illustratively, in some embodiments of the present invention, only a partial intranet may transmit encrypted data, so that the encrypted data is physically isolated from other data with lower security level, thereby ensuring secure transmission of information.

In some other embodiments of the present invention, the encrypting includes adding an identifier to the sensitive information of the user, encapsulating the encrypted data by a predetermined identifier to generate a plaintext identifier, writing the identifier, the plaintext identifier, and the verification information into a verification information file, and transmitting the verification information file to the aggregated payment system. And then, identifying a plaintext identifier in the verification information file according to the recessive identifier by the aggregation payment system, decoding the verification information file to obtain encrypted data, and storing the encrypted data and the recessive identifier in a database of the aggregation payment system, thereby completing the step of importing the data of a plurality of users.

To further illustrate the encryption of data in the present invention, a specific example of an encryption process 500 is given herein.

In the embodiment of fig. 5, in order to avoid leakage of sensitive information (e.g., the identification number of the user, the bank card number, the password, etc.) in the imported user data, thereby affecting information security, after receiving the user data, an identification header is added to the sensitive information, and the encrypted data is encapsulated by a customized identification body to generate a plaintext identification body. And writing the identification head, the plaintext identification body and the check information into a check information file. And transmitting the verification information file to the aggregation payment system in the scheme. After receiving the check information file, the system decodes the information file to obtain the encrypted data packaged in the plaintext identifier. The encrypted data and the invisible signature are then stored.

Through the encryption processing of the sensitive data of the user, the privacy of the user can be effectively protected. It can be seen that, in order to cope with the potential safety hazard of information leakage, the invention carries out corresponding processing in each link of user data transmission and storage. In the links of collecting, transmitting and storing user data: at the beginning of acquisition of personal information of enterprises/consumers, user filling data are encrypted by using an asymmetric key string, ciphertext data are transmitted to a rear end through a white list interface to be decrypted by an asymmetric key for data verification, and public and private keys are stored separately and are automatically updated by a system at regular intervals. In addition, from the perspective of authentication, authorization and destruction of encrypted data: the data contains a security identifier for performing security formatting encapsulation on the related data, and the security identifier is composed of: the system comprises a mark head, a mark body and verification information, and strong binding relation with object data and integrity and authenticity protection of self information are realized by adopting a cryptographic technology.

Fig. 6 is an exemplary framework diagram of an aggregated payment system 600 according to an embodiment of the present invention, in which the aggregated payment system 600 includes an account opening module 610, an entry module 620, an accounting and payout module 630, and a reconciliation module 640.

Specifically, as shown in fig. 6, the account opening module 610 may import data of a plurality of users, and open one or more virtual accounts for each user according to the data. The account opening module 610 may also establish a connection between one of the plurality of ports of each virtual account and a port of the account to be credited and one or more of the plurality of ports of each virtual account and a port of the settlement account of the selected one or more payment institutions.

The deposit module 620 may receive deposit information for the deposit funds in the account to be liquidated and generate a deposit bill. The accounting and cash-out module 630 may receive an accounting instruction of the user, and generate a bill when funds in the account to be accounted are transferred to the settlement account corresponding to the designated virtual account through the virtual account designated in the accounting instruction.

The reconciliation module 640 can check the bill between the outgoing bill and the incoming bill in a preset time period, and if the check is correct, the reconciliation instruction is subjected to the clearance processing. Wherein the user may specify a predetermined time for reconciliation, such as setting the predetermined time to every other day.

The aggregation payment system can realize the account separation and the account checking with high efficiency and low cost, and is beneficial to simplifying the transaction flow.

Fig. 7 illustrates an aggregated payment system 700. According to fig. 7, the aggregated payment system 700 may include an internal communication bus 701, a Processor (Processor)702, a Read Only Memory (ROM)703, a Random Access Memory (RAM)704, and a communication port 705. When implemented on a personal computer, the aggregated payment system 700 may also include a hard disk 706.

The internal communication bus 701 may enable data communication among the components of the aggregated payment system 700. The processor 702 may make the determination and issue the prompt. In some embodiments, the processor 702 may be comprised of one or more processors. The communication port 705 may enable data communication of the aggregated payment system 700 with the outside. In some embodiments, the aggregated payment system 700 may send and receive information and data from the network through the communication port 705.

The aggregated payment system 700 may also include various forms of program storage units and data storage units, such as a hard disk 706, Read Only Memory (ROM)703 and Random Access Memory (RAM)704, capable of storing various data files for computer processing and/or communication use, as well as possible program instructions for execution by the processor 702. The processor executes these instructions to implement the main parts of the method. The results processed by the processor are communicated to the user device through the communication port and displayed on the user interface.

In addition, another aspect of the present invention proposes a computer readable medium having stored thereon computer program code which, when executed by a processor, implements the above-described aggregated payment system.

Having thus described the basic concept, it will be apparent to those skilled in the art that the foregoing disclosure is by way of example only, and is not intended to limit the present application. Various modifications, improvements and adaptations to the present application may occur to those skilled in the art, although not explicitly described herein. Such modifications, improvements and adaptations are proposed in the present application and thus fall within the spirit and scope of the exemplary embodiments of the present application.

Also, this application uses specific language to describe embodiments of the application. Reference throughout this specification to "one embodiment," "an embodiment," and/or "some embodiments" means that a particular feature, structure, or characteristic described in connection with at least one embodiment of the present application is included in at least one embodiment of the present application. Therefore, it is emphasized and should be appreciated that two or more references to "an embodiment" or "one embodiment" or "an alternative embodiment" in various places throughout this specification are not necessarily all referring to the same embodiment. Furthermore, some features, structures, or characteristics of one or more embodiments of the present application may be combined as appropriate.

Aspects of the present application may be embodied entirely in hardware, entirely in software (including firmware, resident software, micro-code, etc.) or in a combination of hardware and software. The above hardware or software may be referred to as "data block," module, "" engine, "" unit, "" component, "or" system. The processor may be one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), digital signal processing devices (DAPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), processors, controllers, microcontrollers, microprocessors, or a combination thereof. Furthermore, aspects of the present application may be represented as a computer product, including computer readable program code, embodied in one or more computer readable media. For example, computer-readable media may include, but are not limited to, magnetic storage devices (e.g., hard disk, floppy disk, magnetic strips … …), optical disks (e.g., Compact Disk (CD), Digital Versatile Disk (DVD) … …), smart cards, and flash memory devices (e.g., card, stick, key drive … …).

The computer readable medium may comprise a propagated data signal with the computer program code embodied therein, for example, on a baseband or as part of a carrier wave. The propagated signal may take any of a variety of forms, including electromagnetic, optical, and the like, or any suitable combination. The computer readable medium can be any computer readable medium that can communicate, propagate, or transport the program for use by or in connection with an instruction execution system, apparatus, or device. Program code on a computer readable medium may be propagated over any suitable medium, including radio, electrical cable, fiber optic cable, radio frequency signals, or the like, or any combination of the preceding.

Similarly, it should be noted that in the preceding description of embodiments of the application, various features are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure aiding in the understanding of one or more of the embodiments. This method of disclosure, however, is not intended to require more features than are expressly recited in the claims. Indeed, the embodiments may be characterized as having less than all of the features of a single embodiment disclosed above.

Numerals describing the number of components, attributes, etc. are used in some embodiments, it being understood that such numerals used in the description of the embodiments are modified in some instances by the use of the modifier "about", "approximately" or "substantially". Unless otherwise indicated, "about", "approximately" or "substantially" indicates that the number allows a variation of ± 20%. Accordingly, in some embodiments, the numerical parameters used in the specification and claims are approximations that may vary depending upon the desired properties of the individual embodiments. In some embodiments, the numerical parameter should take into account the specified significant digits and employ a general digit preserving approach. Notwithstanding that the numerical ranges and parameters setting forth the broad scope of the range are approximations, in the specific examples, such numerical values are set forth as precisely as possible within the scope of the application.

Although the present application has been described with reference to the present specific embodiments, it will be recognized by those skilled in the art that the foregoing embodiments are merely illustrative of the present application and that various changes and substitutions of equivalents may be made without departing from the spirit of the application, and therefore, it is intended that all changes and modifications to the above-described embodiments that come within the spirit of the application fall within the scope of the claims of the application.

Claims (10)

1. An aggregated payment method adapted to manage payment-like transactions between a plurality of users and a plurality of payment institutions through an aggregated payment system, comprising:

importing data of a plurality of users, and setting one or more virtual users for each user according to the data;

establishing connection between one of the plurality of ports of each virtual user and a port of an account to be sorted, and establishing connection between one or more of the plurality of ports of each virtual user and a port of a settlement account of one or more selected payment mechanisms;

receiving deposit information of the funds flowing into the account to be liquidated and classified and generating a deposit bill;

receiving a branch account instruction of a user, transferring the fund in the account to be counted into a settlement account corresponding to the appointed virtual account through the appointed virtual account in the branch account instruction, and generating a bill; and

and checking the bill of the bill output and the bill of the account entry in a preset time period, and if the check is correct, performing account closing processing on the account dividing instruction.

2. The method of claim 1, further comprising interfacing the port of the account to be credited with an interface of one or more payment institutions to transfer funds into the account to be credited through the one or more payment institutions.

3. The method of claim 1, further comprising receiving and auditing network access materials and user credentials of the user before the step of opening one or more virtual users for each user based on the data, and opening one or more virtual users for each user based on the data if the auditing is passed.

4. The method of claim 1, further comprising parking each user at a selected payment institution prior to connecting the port of the each virtual user with a port of a settlement account of the selected payment institution, the parking comprising the steps of selecting an operation category, selecting a user category, and submitting user information to the selected payment institution, the parking being completed if the selected payment institution passes the user information audit.

5. The method of any one of claims 1 to 4, further comprising the step of encrypting data of the plurality of users using an asymmetric key string before importing the data, transmitting the encrypted data to the aggregated payment system through a white list interface, and decrypting the encrypted data using an asymmetric key by the aggregated payment system to complete importing the data of the plurality of users.

6. The method according to claim 5, wherein the encrypting includes adding an identifier to sensitive information of the user, encapsulating the encrypted data by making an identifier to generate a plaintext identifier, writing the identifier, the plaintext identifier and verification information into a verification information file, transmitting the verification information file to the aggregate payment system, recognizing the plaintext identifier in the verification information file according to a hidden identifier by the aggregate payment system, decoding the verification information file to obtain the encrypted data, and storing the encrypted data and the hidden identifier in a database of the aggregate payment system, thereby completing the step of importing the data of the plurality of users.

7. An aggregated payment system, comprising:

the account opening module is configured to import data of a plurality of users, set up one or more virtual accounts for each user according to the data, and establish connection between one of a plurality of ports of each virtual account and a port of an account to be cleared and classified, and establish connection between one or more of the plurality of ports of each virtual account and a port of a settlement account of a selected one or more payment mechanisms;

the deposit module is configured to receive deposit information of the funds flowing into the account to be liquidated and classified and generate a deposit bill;

the account dividing and cash out module is configured to receive an account dividing instruction of a user, transfer the funds in the account to be divided into funds to a settlement account corresponding to the specified virtual user through the specified virtual user in the account dividing instruction, and generate a bill; and

and the account checking module is configured to check the bill between the bill output and the bill entry in a preset time period, and if the check is correct, the account checking module is used for performing account closing processing on the account checking instruction.

8. The system of claim 7, further comprising an encryption module configured to encrypt data of a plurality of users using an asymmetric key string before the account opening module imports the data.

9. An aggregated payment system comprising:

a memory for storing instructions executable by the processor; and a processor for executing the instructions to implement the method of any one of claims 1-6.

10. A computer-readable medium having stored thereon computer program code which, when executed by a processor, implements the method of any of claims 1-6.

Images