CN1741057A - Payment method and system based on authorization and control mechanism - Google Patents
Payment method and system based on authorization and control mechanism Download PDFInfo
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- CN1741057A CN1741057A CN 200410075354 CN200410075354A CN1741057A CN 1741057 A CN1741057 A CN 1741057A CN 200410075354 CN200410075354 CN 200410075354 CN 200410075354 A CN200410075354 A CN 200410075354A CN 1741057 A CN1741057 A CN 1741057A
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Abstract
The present invention provides a payment method based on authorization and control mechanism. Said method includes the following steps: dividing bank saving of account into two portions, one portion is payable and another portion is non-payable. If the account has need of depositing money into the bank, said money only can be deposited into his non-payable portion; according to the requirements of special account holder a certain number of his bank savings can be transferred to the payable portion from non-payable portion, if the account has need of drawing some money from bank, the money can be paid from payable portion.
Description
Technical field
The present invention relates to a kind ofly based on authorizing and the method for payment and the system of controlling mechanism, in more detail, is effectively to take precautions against risk in the payment process by setting up mandate and controlling mechanism.
Background technology
In traditional financial transaction, the means of payment (as credit card, debit card, bankbook, check etc.) are because forge, steal or factor such as loss and being falsely used, and the financial institution and the dealer that belong to for account-holder, account bring massive losses.Along with fast development of information technology, means of payment present diverse trends, carrying out of online payment such as shopping online, Web bank business particularly, and the safety of payment problem becomes more outstanding.
For addressing the above problem, people have proposed multiple solution.For example, the false proof design of the means of payment, data security input method and device, logarithm reportedly are input into row and encrypt or the like, yet, these solutions are often cured the symptoms, not the disease, do not block security breaches from the source, and when a kind of new prevent that the technology of usurping from being invented after, have the risk of being broken again by merit.
The present invention is from a new angle, and the protection that the emphasis of research safe payment method is transferred to fund account comes up.Its basic thought is that fund account is carried out Classification Management, promptly fund account is divided into two parts, and a part is the deposit that can externally pay, and another part is the deposit that can not externally pay.When debt deposits the account in, it is deposited in the deposit that can not externally pay; According to special account-holder's requirement, from the deposit that can not externally pay, transfer to the deposit of some in the deposit that can externally pay; When needs are paid debt from above-mentioned account, then from the deposit that can externally pay, pay.Like this, by the balance of deposits that control can externally be paid, reach the purpose of taking precautions against payment risk.Even traditional payment legitimate verification flow process is broken, loss have only the deposit that can externally pay, and the deposit that can not externally pay can not be affected.
A critical step of above-mentioned thinking is to realize that deposit shifts, and the deposit that is about to some is transferred in the deposit that can externally pay from the deposit that can not externally pay.This step has multiple implementation method, comprises special account-holder by communication terminal, realizes that deposit shifts; According to special account-holder's requirement, periodically deposit transfer; When the short deposit balance that can externally pay, shift the deposit of some and special account-holder automatically and directly handle deposit in financial institution and shift or the like.
For the safety of the deposit that guarantees externally to pay, this patent has proposed deposit with some and rotated back into method in the deposit that can not externally pay from the deposit that can externally pay.
Summary of the invention
The shortcoming of prior art in view of the above, a fundamental purpose of the present invention is to provide a kind of method of payment and system based on mandate and controlling mechanism, in order to fund account is carried out Classification Management and control, reduce the means of payment effectively because forge, steal or factor such as loss by the loss of falsely using and causing.
Another object of the present invention is to provide a kind of method of payment and system based on mandate and controlling mechanism, a plurality of level of security management are carried out in the payment of fund account, taked different payment strategies to take into account security of payment and convenience for different payments.
Another object of the present invention is to provide a kind of method of payment and system based on mandate and controlling mechanism, and the payment process of fund account is carried out many people's management, has strengthened the security of payment and the transparency, has reduced the effect of individual in payment process.
Another object of the present invention is to provide a kind of method of payment and system based on mandate and controlling mechanism, and applies it in the credit card business especially;
According to above-described purpose, the present invention proposes a kind of method of payment based on mandate and controlling mechanism, comprise the steps:
Step 1: fund account is divided into two parts, and the first cannot be as the part of payment purposes, promptly not payable deposit, and it two is the parts that can be used as payment purposes, promptly payable deposit;
Step 2:, then it is deposited in the not payable deposit of the account in case there is debt will deposit the account in;
Step 3:, the deposit of some is transferred in the payable deposit from the not payable deposit of above-mentioned account according to special account-holder's requirement;
Step 4:, then from the payable deposit of the account, pay in case need from above-mentioned account, pay debt.
In an embodiment of above-mentioned method of payment, set up the financial transaction server, store the associated data between special account-holder and the number of the account therein, store special account-holder's password; Therefore described step 3 specifically may further comprise the steps:
Step 301: set up the communication session between special account-holder and the financial transaction server;
Step 302: at server end, judged whether to receive the information relevant that special account-holder sends, be execution in step 303 then, otherwise finish with shifting deposit;
Step 303:, judge that whether the special account-holder's identification information receive is associated with the account information that receives and whether special account-holder's password of receiving is correct at server end; Be execution in step 304 then, otherwise finish;
Step 304: at server end, judge to shift amount deposited, be execution in step 305 then, otherwise finish whether less than the not payable balance of deposits of above-mentioned account;
Step 305:, in the not payable balance of deposits of above-mentioned account, deduct and shift amount deposited and in the payable balance of deposits, add the transfer amount deposited at server end; Finish.
In an embodiment of above-mentioned method of payment, set up the financial transaction server, shift the deposit level of security for each account is provided with at least one therein, carry out the identity information that shifts the special account-holder who deposits in the transfer amount deposited scope that permission is set on each level of security and on this level of security; Store special account-holder's password; Therefore, described step 3 is specifically further comprising the steps of:
Step 301 ': set up the communication session between special account-holder and the financial transaction server;
Step 302 ': at server end, judged whether to receive the information relevant that special account-holder sends, be execution in step 303 ' then, otherwise finish with shifting deposit;
Step 303 ': at server end, according to number of the account that receives and transfer amount deposited information, find and the corresponding transfer amount deposited of this information scope, and then find level of security that shifts deposit and special account-holder's identification information of on this level of security, presetting;
Step 304 ': judge whether correct from this default special account-holder and special account-holder's password of receiving whether the information receive, be execution in step 305 ' then, otherwise finish;
Step 305 ': at server end, judge to shift amount deposited, be execution in step 306 ' then, otherwise finish whether less than the not payable balance of deposits of above-mentioned account;
Step 306 ': at server end, judging that whether above-mentioned account is two people or more than two people in special account-holder's number default on the current level of security, is execution in step 307 ' then; Otherwise execution in step 308 ';
Step 307 ': at server end, that judges whether above-mentioned account received on current level of security that all default special account-holders submit to effective and consistent deposits relevant information with shifting, and is execution in step 308 ' then; Otherwise refuse this and shift deposit, finish;
Step 308 ': at server end, in the not payable balance of deposits of above-mentioned account, deduct and shift amount deposited and in the payable balance of deposits, add the transfer amount deposited; Finish.
In an embodiment of above-mentioned method of payment, described payable deposit is divided at least two payable balance of deposits parameters according to the payment transaction type; Special account-holder transfers to not payable deposit respectively in the corresponding payable deposit according to the different demands of each payment transaction type to payable amount deposited; When described account is received legal payment application, then from the pairing payable deposit of the payment transaction type of this application, pay; Wherein, the payment transaction type comprises saving service, debit card business, credit card business, transferred account service, remittance business, telephone banking, Internet-based banking services and mobile banking service at least.
In an embodiment of above-mentioned method of payment, comprise the embodiment of described method in credit card business, this embodiment is used to realize that special account-holder controls the purpose of credit card credit line; In this embodiment, the credit line of credit card is equivalent to the fund account of described method, and therefore, this embodiment may further comprise the steps:
Step 11: the credit line of credit card is divided into two parts, and the first cannot promptly can not be used amount as the part of payment purposes, and it two is the parts that can be used as payment purposes, can use amount; Wherein, can not use amount to be equivalent to the not payable deposit of described method, can use amount to be equivalent to the payable deposit of described method;
Step 21: in case when having debt to deposit credit card in, then corresponding increase credit card can not use amount;
Step 31:, can use in amount from using to transfer to the amount credit line of some according to special account-holder's requirement; Wherein, the credit line of transfer is equivalent to the transfer amount deposited of described method;
Step 41: in case use credit card to pay, then in the amount used of credit card, deduct payment, implement payment.
In an embodiment of said method, special account-holder comes completing steps 3 described transfer deposits by the combination that communication terminal sends following information.These information comprise: electronic address, special account-holder's ID (identity number) card No., special account-holder's password, number of the account, account code, account password and transfer amount deposited;
Above-mentioned information combination is numbered, promptly produce shifts the deposit information numbering, typical information combination and number as follows:
(1). electronic address+number of the account or account code+transfer amount deposited;
(2). electronic address+special account-holder's password+number of the account or account code+transfer amount deposited;
(3). electronic address+special account-holder's ID (identity number) card No.+special account-holder's password+number of the account or account code+transfer amount deposited;
Wherein, electronic address refers to the address information of the special account-holder of unique identification in communication system, comprises mobile terminal number (MSISDN), portable terminal IMSI number (international mobile subscriber identification), portable terminal SIM card sign, fixed telephone number, terminal fixed ip address, Email address or instant communication number at least;
Above-mentioned information combination has following reduced form: when special account-holder only manages an account, the one-to-one relationship of foundation and store electrons address and number of the account, therefore omit above-mentioned number of the account or account code parameter, correspondingly also omitted and verified the step whether electronic address and number of the account are associated; When special account-holder need manage more than one account, use account code to replace number of the account, simplified loaded down with trivial details number of the account input problem.
In an embodiment of above-mentioned method of payment, described step 3 one of further may further comprise the steps or its combination:
(1). same account carry out twice step 3 interval greater than a preset value;
(2). when the payable balance of deposits when setting safety value, automatically perform a specific step, the not payable deposit that is about to predetermined number is transferred in the payable deposit automatically; Carry out twice this specific step interval greater than a preset value;
(3). shift the deposit of predetermined number in the periodically never payable deposit in payable deposit.
In an embodiment of said method, adopt one of following method or its combination that payable deposit is carried out security control:
(1). in a Preset Time, the payable balance of deposits is constant and always greater than a default safety value, the deposit that then will have more part automatically rotates back in the not payable deposit;
(2). special account-holder rotates back into the payable deposit of some in the not payable deposit by communication network or financial institution;
For realizing above-mentioned method of payment and embodiment, the present invention proposes a kind of payment system based on mandate and controlling mechanism, comprising:
-financial transaction server: this server is used to move application software and the storage center database based on this patent method; This server also be used for and special account-holder between information interaction;
-telephone contact center: special account-holder collects the special account-holder information relevant with shifting deposit by dialing hot line or special service number call establishment center by waiter; The information of collecting is passed to central database;
-interactive voice response system (IVR): special account-holder connects IVR by dialing hot line or special service number, and with IVR to shift deposit information mutual; The interactive information of collecting is passed to central database;
In this payment system, electronic address can be discerned automatically and obtain by financial transaction server, telephone contact center or interactive voice response system.
In above-mentioned payment system, central database comprises:
(1). fund account grouped data: comprise number of the account, the payable balance of deposits and the not payable balance of deposits;
(2). special account-holder's identification information table of comparisons: comprise ID (identity number) card No. and electronic address;
(3). the special account-holder and the number of the account table of comparisons: comprise ID (identity number) card No., number of the account and account code;
(4). shift the deposit security level data: comprise that number of the account, level of security, this rank shift the transfer deposit information numbering that amount deposited scope, other special account-holder's ID (identity number) card No. of this grade and this rank are used.
Compared with prior art, the present invention has following effect:
For the client of financial institution, even conventional payment legitimacy Verification System is broken, loss has only payable deposit part, and by effective management and control to payable deposit, has further reduced risk; Participate in the payment process management by many people, take precautions against payment risk, reduce the influence of personal behavior in process of exchange from system; Financial institution participates in the payment process management, and fairness is strong, safe.
For financial institution,, can provide new value-added service for its client by setting up financial payment systems based on this patent method; Bank can be the client provides the management of debt payment process, monitoring and inquiry service; The application of the invention method, the participation ability of bank in client's payment process is improved, thereby improves customer loyalty.
For common carrier,, enhance competitiveness by new value-added service is provided.
The method and system that the present invention proposes can be widely used in financial institution's business, comprises saving service, debit card business, credit card business, transferred account service, remittance business, telephone banking, Internet-based banking services and mobile banking service at least.
Description of drawings
Fig. 1 is a kind of method of payment process flow diagram based on mandate and controlling mechanism;
Fig. 2 is an embodiment system architecture synoptic diagram of the inventive method;
Fig. 3 is an embodiment process flow diagram of the inventive method step 3;
Fig. 4 a, 4b are the embodiment process flow diagram of a plurality of transfer deposit of having of the inventive method step 3 level of security;
Fig. 5 a, 5b, 5c, 5d are the transfer deposit application case of the inventive method step 3;
Fig. 6 is the embodiment process flow diagram of the inventive method in credit card business;
Fig. 7 is a kind of payment system structural representation based on mandate and controlling mechanism;
Symbol description among the figure:
1 payment applicant
2 shift the legitimate verification program of deposit or deposit expenditure process
3 fund accounts (or credit card credit line)
4 special account-holders
5 terminals
6 communication networks
7 payment systems based on mandate and controlling mechanism
11 businessmans
12 account handlers
The payable deposit of 31 accounts (maybe can use amount)
The not payable deposit (maybe can not use amount) of 32 accounts
51 voice terminals
52 data terminals
53 voice/data hybrid terminals
61 mobile communications networks (PLMN)
62 fixed communication networks (PSTN)
63 internets
71 call centers
72 interactive voice response systems
73 financial transaction servers
Embodiment
Be described in further detail as follows to the inventive method and system in conjunction with the accompanying drawings:
As shown in Figure 1, for a kind of method of payment process flow diagram of the present invention, comprise the steps: based on mandate and controlling mechanism
Step S1: fund account is divided into two parts, and the first cannot be as the part of payment purposes, promptly not payable deposit, and it two is the parts that can be used as payment purposes, promptly payable deposit;
Step S2:, then it is deposited in the not payable deposit of the account in case there is debt will deposit this account in;
Step S3:, the deposit of some is transferred in the payable deposit from the not payable deposit of above-mentioned account according to special account-holder's requirement;
Step S4:, then from the payable deposit of the account, pay in case need from above-mentioned account, pay debt.
This method comes down to fund account is carried out Classification Management, and fund account is divided into place of safety (not payable deposit) and accurate place of safety (payable deposit), has only the payable deposit of accurate place of safety to pay to the outside; In case the legal Verification System of traditional account is broken, loss have only payable deposit part, the not payable deposit of place of safety can not be affected.
As shown in Figure 2, be the system network architecture synoptic diagram of one embodiment of the invention.There are two roles to dispose, promptly pay applicant 1 and special account-holder 4 fund account.Payment applicant 1 comprises account handler 12, businessman 11 at least.What payment applicant 1 participated in account deposit 3 deposits and draws process in; Special account-holder 4 participates in shifting the deposit process.
At first, with fund account 3 separated into two parts, promptly not payable deposit 32 and payable deposit 31; Payment applicant 1 is stored in the debt of some in the not payable deposit 32 of the account; Special account-holder 4 transfers to the not payable deposit 32 of some in the above-mentioned account in the payable deposit 31 as required; Payment applicant 1 proposes the payment application to the account, after by application legitimate verification program 2, pays debt from the payable deposit of above-mentioned account.
As shown in Figure 3, be an embodiment process flow diagram of the inventive method step 3.In this embodiment, set up the financial transaction server, store the associated data between special account-holder and the number of the account therein, store special account-holder's password; Therefore described step 3 specifically may further comprise the steps:
Step S301: set up the communication session between special account-holder and the financial transaction server;
Step S302: at server end, judged whether to receive the information relevant that special account-holder sends, be execution in step S303 then, otherwise finish with shifting deposit;
Step S303:, judge that whether the special account-holder's identification information receive is associated with the account information that receives and whether special account-holder's password of receiving is correct at server end; Be execution in step S304 then, otherwise finish;
Step S304: at server end, judge to shift amount deposited, be execution in step S305 then, otherwise finish whether less than the not payable balance of deposits of above-mentioned account;
Step S305:, in the not payable balance of deposits of above-mentioned account, deduct and shift amount deposited and in the payable balance of deposits, add the transfer amount deposited at server end; Finish.
As Fig. 4 a, shown in the 4b, be the embodiment process flow diagram of a plurality of transfer deposit of having of the inventive method step 3 level of security.In this embodiment, set up the financial transaction server, shift the deposit level of security for each account is provided with at least one therein, carry out the identity information that shifts the special account-holder who deposits in the transfer amount deposited scope that permission is set on each level of security and on this level of security; Store special account-holder's password; Therefore, described step 3 is specifically further comprising the steps of:
Step S301 ': set up the communication session between special account-holder and the financial transaction server;
Step S302 ': at server end, judged whether to receive the information relevant that special account-holder sends, be execution in step S303 ' then, otherwise finish with shifting deposit;
Step S303 ': at server end, according to number of the account that receives and transfer amount deposited information, find and the corresponding transfer amount deposited of this information scope, and then find level of security that shifts deposit and special account-holder's identification information of on this level of security, presetting;
Step S304 ': judge whether correct from this default special account-holder and special account-holder's password of receiving whether the information receive, be execution in step S305 ' then, otherwise finish;
Step S305 ': at server end, judge to shift amount deposited, be execution in step S306 ' then, otherwise finish whether less than the not payable balance of deposits of above-mentioned account;
Step S306 ': at server end, judging that whether above-mentioned account is two people or more than two people in special account-holder's number default on the current level of security, is execution in step S307 ' then; Otherwise execution in step S308 ';
Step S307 ': at server end, that judges whether above-mentioned account received on current level of security that all default special account-holders submit to effective and consistent deposits relevant information with shifting, and is execution in step S308 ' then; Otherwise refuse this and shift deposit, finish;
Step S308 ':, in the not payable balance of deposits of above-mentioned account, deduct and shift amount deposited and in the payable balance of deposits, add the transfer amount deposited at server end; Finish.
This is an embodiment who realizes a plurality of level of security management and many people management.A plurality of level of security management have been found a balance between the security and convenience of method of payment.When shifting amount deposited hour, adopt transfer deposit information easy and simple to handle, that information is less to make up, correspondingly level of security is lower; When the transfer amount deposited is big, adopt complicated operation, the more transfer deposit information combination of information, correspondingly level of security is higher.Many people's management have further strengthened security of payment, and the power of individual in payment process is restricted.
As Fig. 5 a, 5b, 5c shown in the 5d, is the transfer deposit application case of the inventive method step 3.Fig. 5 a simulated have only one shift the deposit level of security, shift 0～10,000 yuan of amount deposited scope, minimum interval 2 days between twice transfer deposit, shifting deposit information, to be numbered (1) and special account-holder's number be the application case that 1 transfer is deposited.
Fig. 5 b has simulated has two equal special account-holders to implement to shift the application case of deposit.Shifting deposit level of security 1: shift 0～100,000 yuan of amount deposited scope, minimum interval is 2 days between twice transfer deposit, shift deposit information and be numbered (1), special account-holder's number is 1 people, and either party of both sides implements to shift deposit and be effectively; Shifting deposit level of security 2: shift 10～500,000 yuan of amount deposited scopes, minimum interval is 3 days between twice transfer deposit, shift deposit information and be numbered (2), special account-holder's number is 2 people, is to shift deposit effectively when 2 special account-holders have submitted legal with consistent transfer deposit application rear to promptly; Shifting deposit level of security 3: shift the deposit scope and do not limit, minimum interval is 5 days between twice transfer deposit, shift deposit information and be numbered (3), special account-holder's number is 2 people, is to shift deposit effectively when 2 special account-holders have submitted legal with consistent transfer deposit application rear to promptly.
Fig. 5 c has simulated has two unequal special account-holders in status to implement to shift the case of deposit.Financial manager (Party A) and general manager (GM) (Party B) as company.Shifting deposit level of security 1: shift 0～500,000 yuan of deposit scope, minimum interval is 2 days between twice transfer deposit, shifts deposit information and is numbered (1), and special account-holder's number is 1 people, and the Party A carries out and shifts deposit and be effectively; Shifting deposit level of security 2: shift 50～5,000,000 yuan of deposit scopes, minimum interval is 5 days between twice transfer deposit, shift deposit information and be numbered (2), special account-holder's number is 2 people, and promptly both sides have submitted to legal with consistent transfer deposit application rear for effective.
Fig. 5 d has simulated has two unequal special account-holders in status to implement to shift the case of deposit, as a student (Party A) and a head of a family (Party B).Two special account-holders can directly shift deposit, only two people's maximum transfer deposit amount difference.Shifting deposit level of security 1: shift 0～500 yuan of deposit scope, minimum interval is 7 days between twice transfer deposit, shifts deposit information and is numbered mode (1), and special account-holder's number is 1 people, and the Party A implements to shift deposit and is effectively; Shifting deposit level of security 2: shift 500～5000 yuan of deposit scopes, minimum interval is 1 day between twice transfer deposit, shifts deposit information and is numbered (1), and special account-holder's number is 1 people, and the Party B shifts deposit and is effectively.
As shown in Figure 6, be the embodiment process flow diagram of the inventive method in credit card business; This embodiment has realized that special account-holder controls the purpose of credit card credit line; In this embodiment, the credit line of credit card is equivalent to the fund account of this patent method, and therefore, this embodiment may further comprise the steps:
Step S11: the credit line of credit card is divided into two parts, and the first cannot promptly can not be used amount as the part of payment purposes, and it two is the parts that can be used as payment purposes, can use amount; Wherein, can not use amount to be equivalent to the not payable deposit of described method, can use amount to be equivalent to the payable deposit of described method;
Step S21: in case when having debt to deposit credit card in, then corresponding increase credit card can not use amount;
Step S31:, can use in amount from using to transfer to the amount credit line of some according to special account-holder's requirement; Wherein, the credit line of transfer is equivalent to the transfer amount deposited of described method;
Step S41: in case use credit card to pay, then in the amount used of credit card, deduct payment, implement payment.
As shown in Figure 7, be a kind of payment system structural drawing based on mandate and controlling mechanism.This payment system comprises as the lower part:
-financial transaction server 73: this server is used to move application software and the storage center database based on this patent method; This server also be used for and special account-holder between information interaction;
-telephone contact center 71: special account-holder collects the information relevant with shifting deposit by dialing hot line or special service number call establishment center by waiter; The information of collecting is passed to central database;
-interactive voice response system (IVR) 72: special account-holder connects IVR by dialing hot line or special service number, and with IVR to shift deposit information mutual; The interactive information of collecting is passed to central database;
In this system, special account-holder is by communication terminal 5, comprise voice terminal 51, data terminal 52 and voice/data hybrid terminal 53, and by communication network 6, comprise mobile communications network 61, fixed communication network 62 and internet 63, realize with the transfer deposit information of payment system 7 mutual.Special account-holder can select multiple information interaction instrument, comprise call center 71, interactive voice response system (IVR) 72 and financial transaction server 73, receive and shift deposit information, and according to this patent method these data are handled by the financial transaction server; In this payment system, electronic address can be discerned automatically and obtain by financial transaction server 73, telephone contact center 71 or interactive voice response system 72.
The above application example is preferred embodiment of the present invention only, is not in order to limit protection scope of the present invention.
Claims (10)
1. the method for payment based on mandate and controlling mechanism is characterized in that, comprises the steps;
Step 1: fund account is divided into two parts, and the first cannot be as the part of payment purposes, promptly not payable deposit, and it two is the parts that can be used as payment purposes, promptly payable deposit;
Step 2:, then it is deposited in the not payable deposit of the account in case there is debt will deposit the account in;
Step 3:, the deposit of some is transferred in the payable deposit from the not payable deposit of above-mentioned account according to special account-holder's requirement;
Step 4:, then from the payable deposit of the account, pay in case need from above-mentioned account, pay debt.
2. method of payment according to claim 1 is characterized in that, sets up the financial transaction server, stores the associated data between special account-holder and the number of the account therein, stores special account-holder's password; Therefore described step 3 specifically may further comprise the steps:
Step 301: set up the communication session between special account-holder and the financial transaction server;
Step 302: at server end, judged whether to receive the information relevant that special account-holder sends, be execution in step 303 then, otherwise finish with shifting deposit;
Step 303:, judge that whether the special account-holder's identification information receive is associated with the account information that receives and whether special account-holder's password of receiving is correct at server end; Be execution in step 304 then, otherwise finish;
Step 304: at server end, judge to shift amount deposited, be execution in step 305 then, otherwise finish whether less than the not payable balance of deposits of above-mentioned account;
Step 305:, in the not payable balance of deposits of above-mentioned account, deduct and shift amount deposited and in the payable balance of deposits, add the transfer amount deposited at server end; Finish.
3. method of payment according to claim 1, it is characterized in that, set up the financial transaction server, shift the deposit level of security for each account is provided with at least one therein, carry out the identity information that shifts the special account-holder who deposits in the transfer amount deposited scope that permission is set on each level of security and on this level of security; Store special account-holder's password; Therefore, described step 3 is specifically further comprising the steps of:
Step 301 ': set up the communication session between special account-holder and the financial transaction server;
Step 302 ': at server end, judged whether to receive the information relevant that special account-holder sends, be execution in step 303 ' then, otherwise finish with shifting deposit;
Step 303 ': at server end, according to number of the account that receives and transfer amount deposited information, find and the corresponding transfer amount deposited of this information scope, and then find the special account-holder's identification information that shifts the deposit level of security and on this level of security, preset;
Step 304 ': judge whether correct from this default special account-holder and special account-holder's password of receiving whether the information receive, be execution in step 305 ' then, otherwise finish;
Step 305 ': at server end, judge to shift amount deposited, be execution in step 306 ' then, otherwise finish whether less than the not payable balance of deposits of above-mentioned account;
Step 306 ': at server end, judging that whether above-mentioned account is two people or more than two people in special account-holder's number default on the current level of security, is execution in step 307 ' then; Otherwise execution in step 308 ';
Step 307 ': at server end, that judges whether above-mentioned account received on current level of security that all default special account-holders submit to effective and consistent deposits relevant information with shifting, and is execution in step 308 ' then; Otherwise refuse this and shift deposit, finish;
Step 308 ': at server end, in the not payable balance of deposits of above-mentioned account, deduct and shift amount deposited and in the payable balance of deposits, add the transfer amount deposited; Finish.
4. method of payment according to claim 1 is characterized in that, described payable deposit is divided at least two payable deposit parameters according to the payment transaction type; Special account-holder transfers to not payable deposit respectively in the corresponding payable deposit according to the different demands of each payment transaction type to the payable balance of deposits; When described account is received legal payment application, then from the pairing payable deposit of the payment transaction type of this application, pay; Typical payment transaction type comprises saving service, debit card business, credit card business, transferred account service, remittance business, telephone banking, Internet-based banking services and mobile banking service.
5. method of payment according to claim 1 is characterized in that, comprises the embodiment of described method in credit card business, and this embodiment has realized that special account-holder controls the purpose of credit card credit line; In this embodiment, the credit line of credit card is equivalent to the fund account of described method, and therefore, this embodiment may further comprise the steps:
Step 11: the credit line of credit card is divided into two parts, and the first cannot promptly can not be used amount as the part of payment purposes, and it two is the parts that can be used as payment purposes, can use amount; Wherein, can not use amount to be equivalent to the not payable deposit of described method, can use amount to be equivalent to the payable deposit of described method;
Step 21: in case when having debt to deposit credit card in, then corresponding increase credit card can not use amount;
Step 31:, can use in amount from using to transfer to the amount credit line of some according to special account-holder's requirement; Wherein, the credit line of transfer is equivalent to the transfer amount deposited of described method;
Step 41: in case use credit card to pay, then in the amount used of credit card, deduct payment, implement payment.
6. method of payment according to claim 1 is characterized in that, special account-holder comes completing steps 3 described transfer deposits by the combination that communication terminal sends following information; These information comprise: electronic address, special account-holder's ID (identity number) card No., special account-holder's password, number of the account, account code, account password and transfer amount deposited;
Above-mentioned information combination is numbered, promptly produce shifts the deposit information numbering, typical information combination and number as follows:
(1). electronic address+number of the account or account code+transfer amount deposited;
(2). electronic address+special account-holder's password+number of the account or account code+transfer amount deposited;
(3). electronic address+special account-holder's ID (identity number) card No.+special account-holder's password+number of the account or account code+transfer amount deposited;
Wherein, electronic address refers to the address information of the special account-holder of unique identification in communication system, comprises mobile terminal number (MSISDN), portable terminal IMSI number (international mobile subscriber identification), portable terminal SIM card sign, fixed telephone number, terminal fixed ip address, Email address or instant communication number at least;
Above-mentioned information combination has following reduced form: when special account-holder only manages an account, the one-to-one relationship of foundation and store electrons address and number of the account, therefore omit above-mentioned number of the account or account code parameter, correspondingly also omitted and verified the step whether electronic address and number of the account are associated; When special account-holder need manage more than one account, use account code to replace number of the account, simplified loaded down with trivial details number of the account input problem.
7. method of payment according to claim 1 is characterized in that, described step 3 one of further may further comprise the steps or its combination:
(1). same account carry out twice step 3 interval greater than a preset value;
(2). when the payable balance of deposits when setting safety value, automatically perform a specific step, the not payable deposit that is about to predetermined number is transferred in the payable deposit automatically; Carry out twice this specific step interval greater than a preset value;
(3). shift the deposit of predetermined number in the periodically never payable deposit in payable deposit.
8. method of payment according to claim 1 is characterized in that, adopts one of following method or its combination that payable deposit is carried out security control:
(1). in a Preset Time, the payable balance of deposits is constant and always greater than a default safety value, the deposit that then will have more part automatically rotates back in the not payable deposit;
(2). special account-holder rotates back into the payable deposit of some in the not payable deposit by communication network or financial institution.
9. payment system that is applicable to the described arbitrary method of payment of claim 1～8 comprises:
One financial transaction server: this server is used to move application software and the storage center database based on this patent method; This server also be used for and special account-holder between information interaction;
One telephone contact center: special account-holder collects the special account-holder information relevant with shifting deposit by dialing hot line or special service number call establishment center by waiter; The information of collecting is passed to central database;
One interactive voice response system (IVR): special account-holder connects IVR by dialing hot line or special service number, and with IVR to shift deposit information mutual; The interactive information of collecting is passed to central database;
In this payment system, electronic address can be discerned automatically and obtain by financial transaction server, telephone contact center or interactive voice response system.
10. payment system according to claim 9 is characterized in that, described central database comprises:
(1). fund account grouped data: comprise number of the account, the payable balance of deposits and the not payable balance of deposits;
(2). special account-holder's identification information table of comparisons: comprise ID (identity number) card No. and electronic address;
(3). the special account-holder and the number of the account table of comparisons: comprise ID (identity number) card No., number of the account and account code;
(4). shift the deposit security level data: comprise that number of the account, level of security, this rank shift the transfer deposit information numbering that amount deposited scope, other special account-holder's ID (identity number) card No. of this grade and this rank are used.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410075354 CN1741057A (en) | 2004-08-23 | 2004-08-23 | Payment method and system based on authorization and control mechanism |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410075354 CN1741057A (en) | 2004-08-23 | 2004-08-23 | Payment method and system based on authorization and control mechanism |
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| Publication Number | Publication Date |
|---|---|
| CN1741057A true CN1741057A (en) | 2006-03-01 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200410075354 Pending CN1741057A (en) | 2004-08-23 | 2004-08-23 | Payment method and system based on authorization and control mechanism |
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| Country | Link |
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| CN (1) | CN1741057A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102982626A (en) * | 2012-11-30 | 2013-03-20 | 北京随行付信息技术有限公司 | POS terminal transfer alarming method and device |
| CN103295131A (en) * | 2013-07-01 | 2013-09-11 | 西安电子科技大学 | Conditional electronic payment system with transferability |
| CN104426860A (en) * | 2013-08-26 | 2015-03-18 | 深圳市腾讯计算机系统有限公司 | Security policy configuration method, device and server |
| CN105574723A (en) * | 2015-12-14 | 2016-05-11 | 联想(北京)有限公司 | Information security processing method and security processing apparatus |
| CN107093067A (en) * | 2009-04-15 | 2017-08-25 | Sk 普兰尼特有限公司 | Electronic money supplements server and electronic money recharge method with money |
| CN110009491A (en) * | 2019-01-30 | 2019-07-12 | 阿里巴巴集团控股有限公司 | A kind of assets management method and device, a kind of calculating equipment and storage medium |
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2004
- 2004-08-23 CN CN 200410075354 patent/CN1741057A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107093067A (en) * | 2009-04-15 | 2017-08-25 | Sk 普兰尼特有限公司 | Electronic money supplements server and electronic money recharge method with money |
| CN102982626A (en) * | 2012-11-30 | 2013-03-20 | 北京随行付信息技术有限公司 | POS terminal transfer alarming method and device |
| CN102982626B (en) * | 2012-11-30 | 2015-09-02 | 北京随行付信息技术有限公司 | A kind of method of POS terminal transfer alarm and device |
| CN103295131A (en) * | 2013-07-01 | 2013-09-11 | 西安电子科技大学 | Conditional electronic payment system with transferability |
| CN103295131B (en) * | 2013-07-01 | 2016-06-29 | 西安电子科技大学 | A kind of conditional electronic payment system possessing transferability |
| CN104426860A (en) * | 2013-08-26 | 2015-03-18 | 深圳市腾讯计算机系统有限公司 | Security policy configuration method, device and server |
| CN105574723A (en) * | 2015-12-14 | 2016-05-11 | 联想(北京)有限公司 | Information security processing method and security processing apparatus |
| CN110009491A (en) * | 2019-01-30 | 2019-07-12 | 阿里巴巴集团控股有限公司 | A kind of assets management method and device, a kind of calculating equipment and storage medium |
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Open date: 20060301 |