CN114529398A

CN114529398A - Multi-bank payment processing method and node

Info

Publication number: CN114529398A
Application number: CN202210150903.2A
Authority: CN
Inventors: 王晨
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-02-18
Filing date: 2022-02-18
Publication date: 2022-05-24

Abstract

The embodiment of the application provides a multi-bank payment processing method and a node, and relates to the fields of finance and the like. The method and the system can be compatible with the payment of all banks, and meet the requirements of customers on different payment channels in a configuration mode. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

Description

Multi-bank payment processing method and node

Technical Field

The application relates to finance and other fields, in particular to a multi-bank payment processing method and a node.

Background

Traditional payment methods of non-bank mechanism need accomplish the payment operation through logging in each bank's online bank or off-line, if the mechanism needs pay through different bank accounts, then need switch on different bank online banks, accomplish the payment operation, and is very inconvenient in the operation, and the time consumption is long simultaneously, and is very poor to customer experience to payment efficiency is low.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a multi-bank payment processing method and a node, which are used for receiving payment request information transmitted by a non-bank mechanism; the payment request information comprises payment amount data and payment account information, account balance of each bank where a payment account is located is obtained, at least one payment bank is selected based on all account balances, transaction amount data corresponding to each payment bank is generated, the payment request information and the transaction amount data corresponding to each selected payment bank are transmitted to a server corresponding to each selected payment bank, and therefore all the payment bank servers pay the payment amount data based on the payment request message and the payment amount data in a combined mode. The invention can be compatible with all the banks for payment, provides a multi-bank payment mode through a configuration mode, can simultaneously adopt a plurality of banks for combined payment for one transaction, and meets the requirements of customers on different payment channels. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

In one aspect of the present invention, a multi-bank payment processing method is provided, including:

receiving payment request information transmitted by a non-bank organization; the payment request information comprises payment amount data and payment account information;

acquiring account balances of all banks where the payment accounts are located, selecting at least one payment bank based on all the account balances, and generating amount data of corresponding transactions of all the payment banks;

and transmitting the payment request information and the amount data of the corresponding transaction to a server corresponding to each selected payment bank so that all the payment bank servers pay the payment amount data based on the combination of the payment request message and the amount data.

In a preferred embodiment, selecting at least one payment bank based on all account balances comprises:

sequencing all account balance data in a descending order to generate a balance sequence;

judging whether the balance data of the first sequence bit in the balance sequence is not less than the payment amount data;

if not, sequentially judging whether the sum of the balance data of the ordered sequence position before the next adjacent sequence position is not less than the payment amount data according to the sequence of the balance sequence until the sum of the balance data of the ordered sequence position before the sequence position is more than or equal to the payment amount data;

and selecting the payment bank corresponding to the sequenced bit before the sequenced bit.

acquiring payment frequency data of each payment bank corresponding to the payment account;

determining corresponding bank priority according to the balance of all accounts and the payment frequency data of each payment bank;

and determining a payment bank according to the bank priority.

In a preferred embodiment, the determining the corresponding bank priority according to the balance of all accounts and the payment frequency data of each payment bank includes:

sequencing the account balances from large to small to obtain an account balance sequence;

determining the bank balance priority corresponding to the first position of the account balance sequence as a first balance priority, determining the bank balance priority corresponding to the second position as a second balance priority, wherein the first balance priority is higher than the second balance priority, and so on until the bank balance priority corresponding to the last position of the account balance sequence is determined as an Nth balance priority, wherein N is the length of the account balance sequence;

arranging the payment frequency data of each payment bank in a descending order to form a frequency sequence;

determining the bank frequency priority corresponding to the first position of the frequency sequence as a first frequency priority, determining the bank frequency priority corresponding to the second position as a second frequency priority, wherein the first frequency priority is higher than the second frequency priority, and so on until the bank frequency priority corresponding to the last position in the frequency sequence is determined as the Mth frequency priority, and M is the length of the frequency sequence;

and overlapping the balance priority of the account balance sequence of each bank with the frequency priority in the frequency sequence to generate the bank priority of each payment bank.

In a preferred embodiment, said determining a payment bank according to said bank priority comprises:

sequencing the bank priorities to obtain a bank priority sequence;

selecting at least one payment bank based on payment amount data, all account balances and the bank priority sequence.

In a preferred embodiment, selecting at least one payment bank based on payment amount data, all account balances and the bank priority sequence comprises:

judging whether balance data of a first sequence bit in the bank priority sequence is not less than the payment amount data or not;

if not, sequentially judging whether the sum of the balance data of the ordered sequence position before the next adjacent ordered sequence position is not less than the payment amount data according to the sequence of the bank priority sequence until the sum of the balance data of the ordered sequence position before the ordered sequence position is more than or equal to the payment amount data;

In a preferred embodiment, further comprising:

and monitoring the number of the payment requests and the interaction failure rate, and generating an early warning signal if any one of the payment requests exceeds a set threshold value.

In yet another aspect of the present invention, there is provided a multi-bank payment processing node, comprising:

the payment request receiving module is used for receiving payment request information transmitted by a non-bank mechanism; the payment request information comprises payment amount data and payment account information;

the payment bank selection module is used for acquiring the account balance of each bank where the payment account is located, selecting at least one payment bank based on all the account balances and generating the amount data of the corresponding transaction of each payment bank;

and the request message transmission module is used for transmitting the payment request information and the amount data of the corresponding transaction to the server corresponding to each selected payment bank so that all the payment bank servers pay the payment amount data based on the combination of the payment request message and the amount data.

In a preferred embodiment, the payment bank selection module comprises:

the balance sequence generating unit is used for sequencing all the account balance data from large to small to generate a balance sequence;

a balance judging unit that judges whether or not balance data of a first sequence bit in the balance sequence is not less than the payment amount data;

if not, sequentially judging whether the sum of the balance data of the ordered sequence position before the next adjacent ordered sequence position is not less than the payment amount data according to the sequence of the balance sequence until the sum of the balance data of the ordered sequence position before the ordered sequence position is more than or equal to the payment amount data;

and the payment bank selection unit selects the payment bank corresponding to the sequence bit before the sequence bit.

In a preferred upper embodiment, the payment bank selection module comprises:

the payment frequency data generating unit is used for acquiring the payment frequency data of each payment bank corresponding to the payment account;

the priority generation unit is used for determining corresponding bank priorities according to all account balances and the payment frequency data of each payment bank;

and the payment determining unit is used for determining a payment bank according to the bank priority.

In a preferred embodiment, the priority generation unit includes:

the balance sequence generating unit is used for sequencing the account balances from large to small to obtain an account balance sequence;

a balance priority determining unit, configured to determine a bank balance priority corresponding to a first position of the account balance sequence as a first balance priority, and determine a bank balance priority corresponding to a second position as a second balance priority, where the first balance priority is higher than the second balance priority, and so on until a bank balance priority corresponding to a last position of the account balance sequence is determined as an nth balance priority, where N is a length of the account balance sequence;

the frequency sequence generating unit is used for arranging the payment frequency data of each payment bank in a descending order to form a frequency sequence;

the frequency priority determining unit is used for determining the bank frequency priority corresponding to the first position of the frequency sequence as a first frequency priority, and determining the bank frequency priority corresponding to the second position as a second frequency priority, wherein the first frequency priority is higher than the second frequency priority, and so on until the bank frequency priority corresponding to the last position of the frequency sequence is determined as the Mth frequency priority, and M is the length of the frequency sequence;

and the bank priority determining unit is used for overlapping the balance priority of the account balance sequence of each bank with the frequency priority in the frequency sequence to generate the bank priority of each payment bank.

In a preferred embodiment, the payment determination unit includes:

the bank priority sorting unit sorts the bank priorities to obtain a bank priority sequence;

and the payment bank selection unit is used for selecting at least one payment bank based on the payment amount data, all account balances and the bank priority sequence.

In a preferred embodiment, the payment bank selection unit comprises:

the payment amount judging unit is used for judging whether the balance data of the first sequence bit in the bank priority sequence is not less than the payment amount data or not;

if not, sequentially judging whether the sum of the balance data of the ordered sequence position before the next adjacent sequence position is not less than the payment amount data according to the sequence of the bank priority sequence until the sum of the balance data of the ordered sequence position before the one sequence position is more than or equal to the payment amount data;

and the selection unit selects the payment bank corresponding to the sequence bit before the sequence bit.

In a preferred embodiment, further comprising:

and the monitoring and early warning module is used for monitoring the number of the payment requests and the interaction failure rate, and generating an early warning signal if any one of the payment requests exceeds a set threshold value.

In yet another aspect of the present invention, the present application provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements a multi-bank payment processing method as described when executing the program.

In yet another aspect of the present invention, the present application provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a multi-bank payment processing method as described.

According to the technical scheme, the method for processing multi-bank payment comprises the steps of obtaining account balances of banks where payment accounts are located, selecting at least one payment bank based on all the account balances, generating amount data of transactions corresponding to the payment banks, and transmitting payment request information and the amount data of the corresponding transactions to a server corresponding to each selected payment bank, so that all the payment bank servers pay the payment amount data based on the payment request message and the amount data in a combined mode. The invention can be compatible with all the banks for payment, provides a multi-bank payment mode through a configuration mode, can simultaneously adopt a plurality of banks for combined payment for one transaction, and meets the requirements of customers on different payment channels. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic flow chart of a multi-bank payment processing method in an embodiment of the present application.

Fig. 2 is a schematic flow chart of payment bank selection in the embodiment of the present application.

Fig. 3 is a second schematic flow chart of the payment bank selection in the embodiment of the present application.

Fig. 4 is a schematic flow chart of the bank priority determination step in the embodiment of the present application.

Fig. 5 is a schematic diagram of a multi-bank payment processing node structure.

Fig. 6 is a schematic structural diagram of an electronic device in an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all 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 application.

It should be noted that the multi-bank payment processing method and the node disclosed in the present application can be used in the financial field, and can also be used in any field except the financial field and other fields.

The traditional payment mode of non-bank organization needs to accomplish the payment operation through logging in the online bank or offline of each bank, if the organization needs to pay through different bank accounts, then need switch over on the online bank of different banks, accomplish the payment operation, it is very inconvenient in operation, and the time consuming is long at the same time, it is very poor to customer experience to payment efficiency is low.

Aiming at the problems in the prior art, the application provides a multi-bank payment processing method and a multi-bank payment processing node, the method comprises the steps of obtaining account balances of banks where payment accounts are located, selecting at least one payment bank based on all the account balances, generating amount data of transactions corresponding to the payment banks, and then transmitting payment request information and the amount data of the corresponding transactions to a server corresponding to each selected payment bank so that all the payment bank servers can pay the payment amount data based on the payment request message and the amount data in a combined mode. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

The following describes a multi-bank payment processing method and a node provided by the invention in detail with reference to the accompanying drawings.

In a specific embodiment, a multi-bank payment processing method is provided, as shown in fig. 1, the specific steps include:

s1, receiving payment request information transmitted by a non-banking institution; the payment request information comprises payment amount data and payment account information;

specifically, if a non-bank institution needs to pay a relevant amount to a certain collection bank account, it needs to generate payment request information according to payment amount information, collection bank information, and the like. For example, a company needs to transfer 1000 yuan to the 1235567890 card number of bank a due to business requirements, and then generates payment request information according to the payment requirements, wherein the request information is to transfer 1000.00 to bank a 1235567890.

S2, acquiring the account balance of each bank where the payment account is located, selecting at least one payment bank based on all the account balances, and generating the amount data of the corresponding transaction of each payment bank;

in particular, a non-banking institution typically has multiple bank accounts available for payment, which may be different accounts of the same bank or different accounts of different banks. The determination for the payment bank is made based on the priority of all bank accounts of the non-banking institution.

In a specific embodiment, the bank priority is a bank balance priority, and in this embodiment, the step S2 is specifically as shown in fig. 2, and includes:

s211, sequencing the balance data of all accounts from big to small to generate a balance sequence;

s212, judging whether the balance data of the first sequence bit in the balance sequence is not less than the payment amount data;

s213, if not, sequentially judging whether the sum of the balance data of the ordered sequence position before the next adjacent sequence position is not less than the payment amount data or not according to the sequence of the balance sequence until the sum of the balance data of the ordered sequence position before the sequence position is more than or equal to the payment amount data;

s214, selecting the payment bank corresponding to the serial number before the serial number.

In this embodiment, the selection is performed based on the balance, and the bank account with a larger balance may be preferentially used.

In other embodiments, the combined payments of the present application may also be more flexible, combining based on bank priority, as shown below.

As shown in fig. 3, step S2 of the present invention includes:

s221: acquiring payment frequency data of each payment bank corresponding to the payment account;

s222: determining corresponding bank priority according to the balance of all accounts and the payment frequency data of each payment bank;

s223: and determining a payment bank according to the bank priority.

According to the method and the device, the use frequency of the user is further combined, account priority combination payment which is actively adopted by the user for multiple times is achieved, the 'non-use' account number of the user is prevented from being used, and the user experience is improved.

Specifically, as shown in fig. 4, step S222 specifically includes:

s2221: sequencing the account balances from large to small to obtain an account balance sequence;

s2222: determining the bank balance priority corresponding to the first position of the account balance sequence as a first balance priority, determining the bank balance priority corresponding to the second position as a second balance priority, wherein the first balance priority is higher than the second balance priority, and so on until the bank balance priority corresponding to the last position of the account balance sequence is determined as an Nth balance priority, wherein N is the length of the account balance sequence;

s2223: arranging the payment frequency data of each payment bank in a descending order to form a frequency sequence;

s2224: determining the bank frequency priority corresponding to the first position of the frequency sequence as a first frequency priority, determining the bank frequency priority corresponding to the second position as a second frequency priority, wherein the first frequency priority is higher than the second frequency priority, and so on until the bank frequency priority corresponding to the last position in the frequency sequence is determined as the Mth frequency priority, and M is the length of the frequency sequence;

s2225: and superposing the balance priority of the account balance sequence of each bank and the frequency priority in the frequency sequence to generate the bank priority of each payment bank.

Specifically, taking the individual balance priority as an example, in the determination of the subsequent bank balance priority, a large-amount priority principle is adopted, that is, the bank account with a large account amount is preferentially used for payment. To determine the balance priority of a bank, the account amount of each bank owned by the non-banking institution needs to be acquired first. For example, a company may need to pay 20 ten thousand dollars to an a bank account. The bank account currently owned by the company relates to a plurality of banks, for example, the account amount of bank a is 100 ten thousand, the account amount of bank B is 50 ten thousand, the account amount of bank C is 70 ten thousand, and the account amount of bank E is 30 ten thousand.

Specifically, after the amounts of all the bank accounts are obtained, the balance priority of the corresponding bank is determined according to the account balance. For setting the priority of the balance, the balance with large account amount is high in priority and the balance with small account amount is low in priority according to the principle of large account amount priority. For example, if the amount of an account 00001 is 100 ten thousand and the amount of an account 00002 is 50 ten thousand, the balance of the account 00001 has a higher priority than the account 00002, i.e. when determining to pay the bank account, the priority principle account 00001 makes payment.

For example, the obtained amounts of all the bank accounts are arranged in the descending order, for example, 6 bank accounts are obtained, which are 100 ten thousand of the amount of the bank account a, 70 ten thousand of the amount of the bank account B, 20 ten thousand of the bank account C, 15 ten thousand of the bank E, 12 ten thousand of the bank F and 16 ten thousand of the bank D, 100 ten thousand, 70 ten thousand, 20 ten thousand, 16 ten thousand, 15 ten thousand and 12 ten thousand can be obtained by arranging in the descending order, and the corresponding bank sequences are the bank a, the bank B, the bank C, the bank D, the bank E and the bank F.

And obtaining the account amount sequence to obtain the corresponding bank sequence, wherein the account balance with large account amount is higher in priority than the balance with small account amount according to the principle of large amount priority. Therefore, the bank balance priority corresponding to the first position of the account amount sequence is determined as a first balance priority, the bank balance priority corresponding to the second position is determined as a second balance priority, the first balance priority is higher than the second balance priority, and the rest is repeated until the bank balance priority corresponding to the last position of the account amount sequence is determined as an Nth balance priority, and N is the length of the account amount sequence. In a specific embodiment, for example, the account has an account number sequence of 100 ten thousand, 70 ten thousand, 20 ten thousand, 16 ten thousand, 15 ten thousand, and 12 ten thousand, and the corresponding bank sequence is bank a, bank B, bank C, bank D, bank E, and bank F. Then bank a is the first balance priority, bank B is the second balance priority, bank C is the third balance priority, bank D is the fourth balance priority, bank E is the fifth balance priority, bank F is the sixth balance priority.

The same principle is adopted for determining the frequency priority, except that the balance in the above embodiment is replaced by the frequency, which is not described herein, and it can be understood that the final result is assumed to be: bank a is the third frequency second priority, bank B is the second frequency priority, bank C is the first frequency priority, bank D is the sixth frequency priority, bank E is the fourth frequency priority, bank F is the fifth frequency priority.

Thus for bank a, its bank priority is: 4 (first balance priority + third frequency second priority), and so on, for a plurality of banks, the data is more random, so the probability of the same priority is smaller, and for the ranking of the same priority, the parallel ranking or the sequential ranking can be determined according to a certain rule, which is not limited in the application.

In some embodiments, the payment bank selecting step includes:

s231, sequencing the bank priorities to obtain a bank priority sequence;

s232, selecting at least one payment bank based on the payment amount data, all account balances and the bank priority sequence.

Specifically, step S232 specifically includes:

s2321: judging whether balance data of a first sequence bit in the bank priority sequence is not less than the payment amount data or not;

s2322: if not, sequentially judging whether the sum of the balance data of the ordered sequence position before the next adjacent ordered sequence position is not less than the payment amount data according to the sequence of the bank priority sequence until the sum of the balance data of the ordered sequence position before the ordered sequence position is more than or equal to the payment amount data;

s2323: and selecting the payment bank corresponding to the sequenced bit before the sequenced bit.

Specifically, when the priorities of all the bank accounts of the non-banking institutions are determined, the bank with the high priority is used as the payment bank according to the determination principle of the payment bank. And if the bank account amount corresponding to the first priority is smaller than the amount to be paid, taking the banks corresponding to the first priority and the second priority together as a payment bank. If the total amount of the bank accounts corresponding to the first priority and the second priority is still smaller than the amount to be paid, the banks corresponding to the first priority, the second priority and the third priority are used as payment banks together.

In a specific embodiment, since the security settings of each bank are different, the message information that can be read by each bank needs to be converted according to the message rules of each bank. In a specific embodiment, the common message formats include: fixed length messages, delimiter messages, XML message formats, SOP message formats, LTTS messages, LTTS2 messages, SERIAL messages, ISO8583 message formats, CNPAS1 messages, CNPAS2 messages and the like. For example, if the message format of bank A adopts the xml message format, the interactive request related to bank A is converted into the xml message format specified by bank A; and if the fixed-length message format adopted by the bank B is adopted, the interactive request related to the bank B is converted into the fixed-length message format specified by the bank B. In a specific embodiment, after the message rule of each bank is converted into the message of each bank, the message needs to be encrypted for security of transmission. The encryption rules of each bank are different, for example, the encryption rule of bank a is to generate the digital signature of the interaction first, and then symmetrically encrypt the message.

S3, transmitting the payment request information and the amount data of the corresponding transaction to the server corresponding to each selected payment bank, so that all the payment bank servers pay the payment amount data based on the combination of the payment request message and the amount data;

specifically, the payment request information (which may be transmitted in the form of a message)) after being encrypted is transmitted to each bank through a wired or wireless network. In specific embodiments, there are various protocols that may be used for communication transmission, such as TCP communication, TUXEDO communication, HTTP communication, WEB SERVICE communication, JMS communication, MQ communication, and the like. And transmitting the encrypted payment request message to each bank according to a transmission protocol specified by each bank. For example, bank a uses the TCP communication protocol, and establishes a connection using the three-way handshake protocol. After the active side sends out the SYN connection request, the opposite side waits to answer SYN + ACK, and finally ACK confirmation is carried out on the SYN of the opposite side. This method of establishing a connection prevents the generation of a false connection, and the flow control protocol used by TCP is a sliding window protocol of variable size. The procedure of TCP three-way handshake is as follows: the client SENDs a SYN (SEQ ═ x) message to the server, and enters a SYN _ SEND state; the server receives the SYN message, responds to a SYN (SEQ ═ y) ACK (ACK ═ x +1) message, and enters a SYN _ RECV state; the client receives the SYN message from the server, responds with an ACK (ACK + y +1) message, and enters into an Established state. After the three-way handshake is completed, the TCP client and the server successfully establish a connection, and data transmission can be started.

After each bank executes the corresponding business logic according to the payment request, a payment response message is generated according to the execution result, and then the payment response message is transmitted to a payment processing server after being encrypted. In a specific embodiment, the payment response messages of each bank are in different formats, different encryption rules and different transmission modes. The server for payment processing needs to adopt a receiving method and an analysis method corresponding to the message format, encryption rule and transmission mode of each bank.

In a specific embodiment, the payment processing node needs to monitor the number of payment requests and the failure rate of interaction to prevent the system from running, and if any one of the numbers exceeds a set threshold, an early warning signal is generated. For example, if the number of payment requests is set to 1000, the number of currently received payment requests is 1200, and the set threshold is exceeded, an early warning signal is generated for human intervention.

The present invention is further described with reference to a specific implementation scenario.

Scene 1: a company that purchases production materials pays 100 million to the material supplier bank account a.

According to the multi-bank payment processing method, the company makes the information of the bank account A of the raw material supplier and the amount of money to be paid into a payment request according to the actual situation, and uploads the payment request to the payment processing node. The payment processing node obtains all account amount information of the company and performs sequencing, so that the payment bank is determined. For example, there are 5 pieces of account amount information of the company, which are respectively 50 ten thousand for bank a, 80 ten thousand for bank C, 40 ten thousand for bank B, 70 ten thousand for bank D, and 60 ten thousand for bank E, and there are 5 pieces of frequency priority, which are respectively 5 times for bank a, 8 times for bank C, 4 times for bank B, 7 times for bank D, and 6 times for bank E. The account amount and the frequency are sequenced from large to small, the bank C is the first priority, the bank D is the second priority, the bank E is the third priority, the bank A is the fourth priority, and the bank B is the fifth priority. As the amount to be paid is larger than the sum of the accounts of the bank C and the bank D but smaller than the sum of the accounts of the bank C and the bank D, the bank C and the bank D are determined as payment banks together, wherein 80 thousands of payment are made by the account of the bank C, 20 thousands of payment are made by the account of the bank D, and corresponding payment requests are respectively generated. And respectively converting the payment request into an encrypted payment request message according to the message rules and the encryption rules of the bank C and the bank D, and transmitting the respective payment request message to each bank according to the communication protocol of each bank. And after the bank C and the bank D complete corresponding payment business operation, generating a corresponding payment response message and transmitting the corresponding payment response message to the payment processing node. And the payment processing node receives and analyzes the payment response message and then displays whether the payment is successful or not.

As can be seen from the above description, the multi-bank payment processing method provided by the present invention receives payment request information transmitted by a non-bank institution; the payment request information comprises payment amount data and payment account information, the account balance of each bank where a payment account is located is obtained, at least one payment bank is selected based on all the account balances, the amount data of transactions corresponding to each payment bank is generated, the payment request information and the amount data of the corresponding transactions are transmitted to the server corresponding to each selected payment bank, and all the payment bank servers are enabled to carry out combined payment on the payment amount data based on the payment request message and the amount data. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

From a software aspect, the present application provides an embodiment of a multi-bank payment processing node for executing all or part of the contents of the multi-bank payment processing method, and referring to fig. 5, the multi-bank payment processing node specifically includes the following contents:

the payment request receiving module 1 is used for receiving payment request information transmitted by a non-bank organization; the payment request information comprises payment amount data and payment account information;

the payment bank selection module 2 is used for acquiring the account balance of each bank where the payment account is located, selecting at least one payment bank based on all the account balances and generating the amount data of the corresponding transaction of each payment bank;

and the request message transmission module 3 is used for transmitting the payment request information and the amount data of the corresponding transaction to the server corresponding to each selected payment bank so that all the payment bank servers pay the payment amount data based on the combination of the payment request message and the amount data.

As can be seen from the above description, the multi-bank payment processing node provided by the invention receives payment request information transmitted by a non-bank institution; the payment request information comprises payment amount data and payment account information, account balance of each bank where a payment account is located is obtained, at least one payment bank is selected based on all account balances, transaction amount data corresponding to each payment bank is generated, the payment request information and the transaction amount data corresponding to each selected payment bank are transmitted to a server corresponding to each selected payment bank, and therefore all the payment bank servers pay the payment amount data based on the payment request message and the payment amount data in a combined mode. The invention can be compatible with all the banks for payment, provides a multi-bank payment mode through a configuration mode, can simultaneously adopt a plurality of banks for combined payment for one transaction, and meets the requirements of customers on different payment channels. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

In a preferred upper embodiment, the payment bank selection module comprises:

Specifically, in the subsequent determination of the bank priority, a large-amount priority principle is adopted, that is, the bank account with a large account amount is preferentially used for payment. To determine the bank's priority, the account amount of each bank owned by the non-banking institution needs to be obtained first. For example, a company may need to pay 20 ten thousand dollars to an a bank account. The bank account currently owned by the company relates to a plurality of banks, for example, the account amount of bank a is 100 ten thousand, the account amount of bank B is 50 ten thousand, the account amount of bank C is 70 ten thousand, and the account amount of bank E is 30 ten thousand.

Specifically, after the amounts of all the bank accounts are acquired, the priority of the corresponding bank is determined according to the account balance. For the setting of the priority, according to the principle of large amount priority, the priority of large account amount is high, and the priority of small account amount is low. For example, if the amount of an account 00001 is 100 ten thousand and the amount of an account 00002 is 50 ten thousand, the priority of the account 00001 is higher than that of the account 00002, that is, the priority principle account 00001 performs payment when determining to pay the bank account.

In the application, the account which is actively adopted for many times by the user is preferentially combined and paid in combination with the use frequency of the user, so that the 'unused' account number of the user is prevented from being used, and the user experience is improved.

In a preferred embodiment, the priority generation unit includes:

And obtaining the account amount sequence to obtain the corresponding bank sequence, wherein the account balance with large account amount is higher in priority than the balance with small account amount according to the principle of large amount priority. Therefore, the bank balance priority corresponding to the first position of the account amount sequence is determined as a first balance priority, the bank balance priority corresponding to the second position is determined as a second balance priority, the first balance priority is higher than the second balance priority, and the rest is repeated until the bank balance priority corresponding to the last position of the account amount sequence is determined as an Nth balance priority, and N is the length of the account amount sequence. In a specific embodiment, for example, the account has an amount sequence of 100 ten thousand, 70 ten thousand, 20 ten thousand, 16 ten thousand, 15 ten thousand, and 12 ten thousand, and the corresponding bank sequence is bank a, bank B, bank C, bank D, bank E, and bank F. Then bank a is the first balance priority, bank B is the second balance priority, bank C is the third balance priority, bank D is the fourth balance priority, bank E is the fifth balance priority, bank F is the sixth balance priority.

When the priorities of all the bank accounts of the non-banking institutions are determined, the payment bank is determined as the bank with the high priority. And if the bank account amount corresponding to the first priority is smaller than the amount to be paid, taking the banks corresponding to the first priority and the second priority together as a payment bank. If the total amount of the bank accounts corresponding to the first priority and the second priority is still smaller than the amount to be paid, the banks corresponding to the first priority, the second priority and the third priority are used as payment banks together.

In a preferred embodiment, the payment determining unit includes:

In a preferred embodiment, the payment bank selection unit comprises:

In a preferred embodiment, further comprising:

In terms of hardware, the present application provides an embodiment of an electronic device for implementing all or part of contents in a multi-bank payment processing method, where the electronic device specifically includes the following contents:

fig. 6 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 6, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this FIG. 6 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, a multi-bank payment processing method function may be integrated into a central processor.

Wherein the central processor may be configured to control:

and S3, transmitting the payment request information and the amount data of the corresponding transaction to the server corresponding to each selected payment bank, so that all the payment bank servers pay the payment amount data based on the combination of the payment request message and the amount data.

From the above description, it can be known that the electronic device provided by the embodiment of the present application is compatible with payments of all banks, and meets the requirements of customers on different payment channels in a configuration manner. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

In another embodiment, the multi-bank payment processing node may be configured separately from the central processor 9100, for example, the multi-bank payment processing node may be configured as a chip connected to the central processor 9100, and the multi-bank payment processing node may be controlled by the central processor to implement a multi-bank payment processing method function.

As shown in fig. 6, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 6; further, the electronic device 9600 may further include components not shown in fig. 6, which may be referred to in the art.

As shown in fig. 6, a central processor 9100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor node and/or logic node, which central processor 9100 receives input and controls the operation of various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a cache, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable node. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input node. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of node. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

Embodiments of the present application further provide a computer-readable storage medium capable of implementing all steps in a multi-bank payment processing method in the foregoing embodiments, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of a multi-bank payment processing method in the foregoing embodiments, where the execution subject of the computer program is a server or a client, for example, the processor implements the following steps when executing the computer program:

As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application is compatible with payments of all banks, and meets the requirements of customers on different payment channels in a configuration manner. Promote customer's convenience, easy operation is consuming time few, has promoted work efficiency greatly.

It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, node, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (nodes), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, 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, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction nodes which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A multi-bank payment processing method, comprising:

2. The multi-bank payment processing method of claim 1, wherein selecting at least one payment bank based on all account balances comprises:

and selecting the payment bank corresponding to the serial number before the serial number.

3. The multi-bank payment processing method of claim 1, wherein selecting at least one payment bank based on all account balances comprises:

and determining a payment bank according to the bank priority.

4. The method according to claim 3, wherein the determining the corresponding bank priority according to the balance of all accounts and the payment frequency data of each payment bank comprises:

5. The method of claim 4, wherein determining a payment bank based on the bank priority comprises:

sequencing the bank priorities to obtain a bank priority sequence;

6. The method of multi-bank payment processing of claim 5 wherein selecting at least one payment bank based on payment amount data, all account balances and the bank priority sequence comprises:

7. The multi-bank payment processing method of claim 1, further comprising:

8. A multi-bank payment processing node, comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements a multi-bank payment processing method as claimed in any one of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a multi-bank payment processing method according to any one of claims 1 to 7.