CN1758276A - Payoff service management system and method - Google Patents
Payoff service management system and method Download PDFInfo
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- CN1758276A CN1758276A CNA2004100670118A CN200410067011A CN1758276A CN 1758276 A CN1758276 A CN 1758276A CN A2004100670118 A CNA2004100670118 A CN A2004100670118A CN 200410067011 A CN200410067011 A CN 200410067011A CN 1758276 A CN1758276 A CN 1758276A
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Abstract
This invention relates to a payment management system used in providing payment service to the gathering units and bank payment platforms including: a central database, a communication module, a cipher module, a payment service module and a business recording management module, in which, a payer provides a payer identifying number different from the bank account information to the gathering unit, which sends a request for the money to the platform via the system and the platform processes the request then feeds back the information about if the payment is successful. When a payer pays the money or transfers accounts, it can finish them smoothly and safely by providing the identification number of the payer to the gathering unit only without inputting the bank accounts information, the system can provide different kinds of identification numbers according to the needs of payers and multiple gathering units can accept multiple payment ways of the payers after connecting with this system platform.
Description
Technical field
The present invention relates to a kind of computer processing system and method, the computer system and the method for payment services particularly is provided.
Background technology
At present, more and more general by behaviors such as bank pay, transfers accounts, thereby bank operates accordingly by POS, ATM or in the information that sales counter reads magnetic strip information, the IC-card information of bankbook or magnetic stripe card and discerns bank account, along with popularizing of telephone bank, Web bank, bank also begins to read bank account information by phone, internet.
By the way, the information that comprises disburser's bank account real information directly is transferred to bank.And under some situation, the client of bank, promptly the disburser does not wish directly to provide real accounts information, for example worries the leakage of real accounts information; Under the other situation, provide real accounts information to make troubles to the disburser, for example the disburser can't accurately remember accounts information, does not perhaps carry bankbook or bank card or the like.If can provide more to the disburser, approach makes the disburser that bank account information needn't be provided more easily, and provide an alternative information of remembering easily or being convenient to provide, then all very favourable to bank, payee and disburser.
Summary of the invention
The object of the present invention is to provide a payoff service management system and method, by this system, the disburser provides disburser's identifier that is different from bank account information to payee, payee sends ask money request by native system to the bank paying platform with this identifier, the bank paying platform handle please the money request after, again by this system to payee's feedback please the money request whether successful processing result information.
Payoff service management system of the present invention comprises central database, communication module, payment services module, transaction record administration module, encrypting module, transmitting/receiving file processing module, file cache district; Central database comprises three tables of data, be respectively the payment Basic Information Table, payee's information table, trading record sheet, wherein, comprise a plurality of records in the payment Basic Information Table, each record comprises disburser's identifier, the account, information such as payment services password, payee's information table comprises a plurality of records, each record comprises payee's identifier, payee's title, information such as the account of payee, trading record sheet comprises many records, and every record comprises transaction journal number, disburser's identifier, payee's identifier, please the money amount of money, the transaction request time, result; Communication module links to each other with the encrypting module of internal system, link to each other with payee, the bank paying platform of outside respectively simultaneously and also carry out communication each other, communication module is responsible for receiving the information that payee or bank paying platform send, send to encrypting module, and be responsible for to receive the information that encrypting module sends and send to payee or the bank paying platform; The payment services module row communication of going forward side by side that links to each other with central database, encrypting module, transmitting/receiving file processing module, the transaction record administration module of internal system respectively, it is responsible for disburser's identity information is carried out legitimate verification, search disburser's account information, the account information of payee, will ask money information to send to transaction record administration module and encrypting module etc.; The transaction record administration module is asked money information to every, i.e. transaction record, and result writes down, manages; Encrypting module is encrypted the information in the central database, and to system encrypt with extraneous communication information, work such as deciphering; The file cache district is used for depositing the various files that need processing or send, for example from payee receive please the money file, from the result file that the bank paying platform receives, the various files that will send to payee or bank paying platform that system generates; Responsible the reading from the file cache district of transmitting/receiving file processing module asked money file or result file, handle that payee sends over respectively please the money file and generate one new please the money file, result file that processing bank payment platform sends it back and generation are at the result file of each payee, and the file that will generate after will handling is put into the file cache district once more.
Wherein, the accounts information described in the payment Basic Information Table is disburser's a true bank account information, and the payee's account number in payee's information table is the true account information of payee; Disburser's identifier described in the payment Basic Information Table can only be made of an identifier part, also can be made of type and identifier two parts of identifier, no matter which kind of situation, disburser's identifier is unique in native system; The payment services password is the specific cryptosystem that the disburser is provided with in native system, and this payment services password needn't be consistent with the bank account pairing bank password for inquiry or the password of withdrawing the money; The transmission of data is all undertaken by encrypting module between interior other modules of native system and communication module.
The bank paying platform can be the disposal system of certain bank, also can be that certain is the system that common transaction switched service is put forward by a plurality of banks.When the bank paying platform is the disposal system of certain bank, this system will connect the disposal system of other banks; When the bank paying platform was certain transaction switched service system, this system connected other associated bank.Above-mentioned transaction switched service system can be under the jurisdiction of certain bank, also can belong to independently third party's service structure.
If payee need finish the gathering behavior by payoff service management system of the present invention, must in payee's information table, set up the necessary information of this payee by application, and set up necessary communication channel, so that native system can be discerned this payee.Simultaneously, disburser's relevant information also should corresponding foundation in the payment Basic Information Table, and payee should provide the channel that disburser's identifier is discerned according to prior directed approximately disburser, for example corresponding fetch equipment or input equipment.
According to the difference of asking the money request to the requirement of payment deadline property, promptly to the requirement of result time of return length, native system can provide different processing modes.For the request that needs are finished immediately, the mode that native system adopts on line to finish; For the request that does not need to finish immediately, the mode that native system adopts off-line to finish.First kind of mode is suitable for single asks the money processing of request, the second way is suitable for many please the money request send situation about handling simultaneously, at this moment, payee can be focused on by native system all please the money request asking the form of money file to send to native system with one again.
Adopt above-mentioned first kind of mode, i.e. what on line mode, system received payee please money information, and sending to the bank paying platform after treatment please the money request, and receive the processing result information of bank paying platform, and feed back to payee.Its process of handling an on line transaction is as follows:
1) payee asks the money amount of money with disburser's identifier, payment services password, and payee's identifier sends to the communication module of native system;
2) communication module of native system generates a unique serial number to the above-mentioned request of payee, and information such as the full detail that will receive from payee and serial number sends to the payment services module, simultaneously, communication module with serial number, disburser's identifier, please the money amount of money, payee's identifier, request time send to the transaction record administration module and carry out record by it;
3) payment services module is verified above-mentioned identifier and corresponding payment service password according to the corresponding information in the payment Basic Information Table, if checking is not passed through, changes for the 4th step and continues to carry out; Otherwise, changeed for the 5th step and continue to carry out;
4) payment services module sends to communication module with the processing result information and the corresponding serial number of " payment services password and identifier are inconsistent ", by communication module these information are sent to corresponding payee, simultaneously, the payment services module sends to the transaction record administration module with serial number and The above results information and upgrades corresponding transaction record, and this process finishes;
5) payment services module finds disburser's account again in the payment Basic Information Table according to disburser's identifier, in payee's information table, find the title of payee, the account information of payee etc. according to the identifier of payee, and with disburser's account information, the title of payee, the account information of payee, and corresponding serial number, please send to communication module by the money amount of money;
6) communication module sends to the bank paying platform with above-mentioned information;
7) the bank paying platform is handled according to normal payment program according to above-mentioned information, if the payable amount of money is less than asking the money amount of money in the account, then processing result information and serial number that only will " payable insufficient in amount in the account is handled failure " returns to native system, changes for the 8th step and continues to carry out; Otherwise the bank paying platform is finished payment according to the routine operation flow process, and the processing result information and the serial number of " handling successfully " returned to native system, changes for the 8th step and continues to carry out;
8) communication module receives the processing result information that the bank paying platform sends, and processing result information and serial number sent to payee, simultaneously these information are sent to the transaction record administration module, and by the transaction record administration module processing result information is updated in the respective transaction record, this process finishes.
In said process, payee keeps being connected with the communication port that native system is set up always.The amount of money that " please the money amount of money " expression payee in the above steps pays in payee's bank account in disburser's bank account to the bank paying platform request; The transmission of information will be passed through encrypting module between payment services module and the communication module.The mode that the bank paying platform is finished payment processes according to the routine operation flow process in above-mentioned the 7th step can be directly to ask money amount of money equivalent amount to payee's account from transferring in disburser's account; Also can be that earlier deduction please money amount of money equivalent amount in disburser's account, behind the clearance amount deducted be transferred to payee's account eventually in day every day again.
Adopt the above-mentioned second way, it is the off-line trading mode, system receive payee please the money file after, with ask the visitor in the money file logging handles well and merges to one new please the money file after, the transmitting/receiving file processing module of native system please send to the bank paying platform by the money file with new, and is handled asking all the record unifications in the money file by the bank paying platform; After the bank paying platform processes finishes, be placed on the result unification in the result file and send to native system; After native system is received above-mentioned result file, processing result information is updated in the corresponding transaction record, simultaneously every record in the result file is generated different result files according to payee's classification, will send to each payee at the result file of payee at last.
Wherein, please the money file comprise many records, every record comprise the disburser identifier, please the money amount of money.Can comprise the payment services password in above-mentioned every record, also can not comprise the payment services password, the situation that does not comprise the payment services password is applicable to that payee reaches the agreement that does not need the payment services password with the disburser, if comprise the payment services password, then the payment services password is encrypted by native system.Simultaneously, please also comprise payee's identifier information in the money file.The mode that the bank paying platform is handled every record in please the money file is with to handle the mode that on line concludes the business identical.
In above-mentioned every record, comprise under the situation of payment services password, system with each payee send whole please the money file to be merged into a new process that please the money file as follows:
1) the transmitting/receiving file processing module of system judges whether there is the untreated money file of asking in the file cache district, as if not existing, then processing procedure finishes; Otherwise, changeed for the 2nd step and continue to carry out;
2) the transmitting/receiving file processing module from buffer area, read next untreated please the money file, and write down this please the money file in subsidiary payee's identifier;
3) the transmitting/receiving file processing module judges above-mentionedly whether have untreated record in please the money file, if do not exist, then changes for the 1st step and continues to carry out, and continues to carry out otherwise changeed for the 4th step;
4) the transmitting/receiving file processing module please read next untreated record the money file from above-mentioned, generate a serial number, and with the identifier of the disburser in serial number, processing time, the above-mentioned record, please the money amount of money, and should ask the information such as payee's identifier of money file to send to the transaction record processing module, carry out record by this module;
5) the transmitting/receiving file processing module sends to the payment services module with serial number, disburser's identifier, payment services password, payee's identifier, requires the payment services password is verified and returned the bank account of disburser and payee's correspondence;
6) disburser's identifier and corresponding payment service password that payment services module is sent the transmitting/receiving file processing module according to the information in disburser's Basic Information Table verify that checking is not passed through, and then change for the 7th step and continue to carry out; Otherwise, changeed for the 8th step and continue to carry out;
7) payment services module sends to the transaction record administration module with the processing result information of serial number and " payment services password and identifier are inconsistent ", and upgrade corresponding record by this module, simultaneously, these information are sent to the transmitting/receiving file processing module, by this module processing result information is write in the result file at this payee, changeed for the 10th step and continue to carry out;
8) payment services module is searched corresponding payment person's account information according to disburser's identifier, find corresponding payee account information, payee's title according to payee's identifier, and serial number, disburser's account information, collector's account information, payee's title are sent to the transmitting/receiving file processing module;
9) the transmitting/receiving file processing module with serial number, disburser's account information, collector's account information, payee's title, please the money amount of money as new record write new please the money file in, changeed for the 10th step and continue to carry out;
10) changeed for the 3rd step.
The bank paying platform processes asks the process of money file as follows:
1) bank paying platform inter-process system reads the pending record of next bar of asking the money file, if there is not the record that is untreated, then processing procedure finishes; Otherwise, changeed for the 2nd step and continue to handle;
2) bank paying platform inter-process system according to the disburser's account information in the record that reads, payee's account information, please handle according to normal payment program by the money amount of money, if payable insufficient in amount in disburser's Bank Account Number, then processing result information is set to " payable insufficient in amount in the account is handled not success "; Otherwise the bank paying platform carries out corresponding payment to be handled, and processing result information is set to " handling successfully " after disposing;
3) bank paying platform inter-process system will write the result file according to the serial number in the record that reads, processing result information, processing time;
4) changeing for the 1st step continues to carry out.
The bank paying platform carries out corresponding payment and handles identically with the mode of an on line transaction of bank paying platform processes in the 2nd step of said process, promptly can directly ask money amount of money equivalent amount to payee's account from transferring in disburser's account; Also can be earlier deduction please money amount of money equivalent amount in disburser's account, behind the clearance amount deducted is transferred to payee's account eventually in day every day again.
Native system is receiving the result file that above-mentioned bank paying platform returns, and will handle with the result file of generation at different payees this result file, and upgrade corresponding transaction record, and concrete steps are as follows:
1) the transmitting/receiving file processing module of system reads the pending record of next bar of result file, if there is not the record that is untreated, then processing procedure finishes; Otherwise, changeed for the 2nd step and continue to handle;
2) the transmitting/receiving file processing module sends to the transaction record administration module with the serial number in the above-mentioned record, processing result information, upgrades corresponding transaction record by this module;
3) the transaction record administration module with payee's identifier of respective transaction record, disburser's identifier, please the money amount of money etc. information send to the transmitting/receiving file processing module;
4) the transmitting/receiving file processing module according to above-mentioned payee identifier with serial number, disburser's identifier, please the money amount of money, information such as result write in the result file at this payee;
5) changeed for the 1st step.
Behind all records in the result file that disposes, the transmitting/receiving file processing module will send to each payee at the result file of each payee with the unification of notification communication module.
There is certain extending space in system and method for the present invention, in whole foregoing invention content, if the bank paying platform is other payment platform, then only the account in disburser's Basic Information Table need be changed to the account information that the respective pay platform supported and get final product.If it is a plurality of that bank paying platform or other payment platforms have, then in central database, increase the payment platform information table of a similar payee information table, wherein every record comprises the information such as identifier, type of payment platform; Simultaneously, central database wants to put down in writing the corresponding relation between payee and the payment platform, and perhaps payee sends in the information of native system and should indicate above-mentioned corresponding relation, clearly by which payment platform to be handled; Equally, when processed offline, also to correspondingly increase the payment platform information processing.
Account in the payment Basic Information Table of the present invention can be a plurality of, at this moment, the payment services module of native system will find all accounts informations in order and send to the bank paying platform, the bank paying platform does not directly return the processing result information of " handling failure " during payable insufficient in amount in first account, but according to second account of same payment program sequential query, similarly, if the payable amount of money of second account is still not enough and still be not enough to payment please the money amount of money time with the payable amount of money sum of first account, then next account of sequential query and same processing, the amount of money is enough paid and is returned the processing result information of " handling successfully " after paying in account, payable insufficient in amount in perhaps all accounts and return the processing result information of " handling failure ".If the bank paying platform finally withholds in a plurality of accounts, the message reflection that will withhold all accounts in the processing result information then.
Beneficial effect of the present invention
After using system of the present invention, the disburser is when paying the bill, transfer accounts or carrying out other operations, bank account information be can not import, and payment or other operations just can be finished smoothly, easily and safely as long as disburser's identifier that native system is definite offers payee.Because native system can provide various ways, polytype identifier according to disburser's demand, therefore, will bring great convenience to the disburser.Simultaneously, the application of native system makes numerous payees when the more modes of payments of disburser just can be accepted in the back that links to each other with the native system platform, provides cost savings.
Description of drawings
Fig. 1 is the network architecture diagram of system of the present invention.
Fig. 2 is the composition structural drawing of system of the present invention.
Fig. 3 handles the process flow diagram of once asking the money request on line of the present invention.
Fig. 4 during for processed offline of the present invention native system handle institute ask the visitor in the money file and generate the new process flow diagram of asking the money file.
Fig. 5 process flow diagram that the bank paying platform processes please the money file during for processed offline of the present invention;
Fig. 6 result file that native system returns according to the bank paying platform during for processed offline of the present invention generates the process flow diagram at the result file of each payee.
Embodiment
Referring to Fig. 1, it is depicted as the network architecture diagram of system of the present invention; Payee 10 is connected with bank paying platform 30 by payoff service management system 20; Payee 10 sends to bank paying platform 30 by payoff service management system 20 please the money request, bank paying platform 30 handle will be again after please the money request by system 20 to the whether successful information of payee's 10 feedback payments.
Referring to Fig. 2, it is depicted as the composition structural drawing of system of the present invention, payoff service management system 20 of the present invention comprises central database 1, communication module 2, payment services module 3, transaction record administration module 4, encrypting module 5, transmitting/receiving file processing module 6, file cache district 7; Communication module 2 links to each other with the encrypting module 5 of internal system, link to each other with payee 10, the bank paying platform 30 of outside respectively simultaneously and also carry out communication each other, the information that communication module 2 responsible reception payees 10 or bank paying platform 30 send, send to encrypting module 5, and be responsible for to receive the information that encrypting module 5 sends and send to payee 10 or bank paying platform 30; Payment services module 3 row communication of going forward side by side that links to each other with central database 1, encrypting module 5, transmitting/receiving file processing module 6, the transaction record administration module 4 of internal system respectively, it is responsible for disburser's identity information is carried out legitimate verification, search disburser's account information, the account information of payee, will ask money information to send to transaction record administration module 4 and encrypting module 5 etc.; 4 pairs every of transaction record administration module asks money information and result to write down, manage; Information in 5 pairs of central databases of encrypting module 1 is encrypted, and to system encrypt with extraneous communication information, work such as deciphering; File cache district 7 is used for depositing the various files that need processing or send, for example from payee 10 receive please the money file, from the result file that bank paying platform 30 receives, the various files that will send to payee 10 or bank paying platform 30 that system generates; Transmitting/receiving file processing module 6 responsible reading from file cache district 7 are asked money file or result file, that handles that payee sends over respectively please the money file, and generate one new please the money file, handle the result file that bank's payment platform sends it back, and generate result file at each payee, and the file that will handle the back generation is put into file cache district 7 once more.
See also Fig. 3, it is depicted as on line of the present invention and handles the process flow diagram of once asking the money request; Detailed process is as follows:
The payment services module is verified (step 105) according to the corresponding information in the payment Basic Information Table to above-mentioned identifier and corresponding payment service password, if checking is by (step 106), the payment services module finds account information 107 according to disburser's identifier again in the payment Basic Information Table, in payee's information table, find the title of payee according to the identifier of payee, account information etc. (step 108), and with disburser's account number, the account number classification, the title of payee, account information, and corresponding serial number, payment sends to communication module (step 109); Communication module sends to bank paying platform (step 110) with above-mentioned information; The bank paying platform is handled according to normal payment program according to above-mentioned information, judge payment situation (step 111) in the account, if the payable amount of money is not less than Payment Amount in the account, then the bank paying platform is finished payment processes (step 112) according to the routine operation flow process, and the processing result information and the serial number of " paying successfully " returned to payee's (step 113); Communication module will send to payment services module (step 114) from processing result information and the serial number that the bank paying platform receives, and send to payee's (step 115), the payment services module sends to the transaction record administration module with this processing result information and serial number, by this module processing result information is updated in the respective transaction record (step 116), this processing finishes.
If the payable amount of money is less than Payment Amount (step 111) in the account, then bank paying platform processing result information is set to " payable insufficient in amount in the account; payment failure " (step 117), and processing result information and serial number returned to the communication module (step 113) of native system, and continue to carry out operations such as 114.
If above-mentioned payment services module verifies that to above-mentioned identifier and corresponding payment service password (step 105) do not pass through according to the corresponding information of payment in the Basic Information Table, the processing result information that the payment services module will " payment services password and identifier be inconsistent " and accordingly serial number send to communication module (step 108); By communication module this information is sent to corresponding payee (step 115), simultaneously, the payment services module sends to the transaction record administration module with serial number and The above results information and upgrades corresponding transaction record (step 116), and this processing finishes;
Referring to Fig. 4, it is depicted as system of the present invention be merged into a new process of asking the money file with whole money files of asking that each payee sends, and concrete steps are as follows:
1) the transmitting/receiving file processing module of system judges whether there is the untreated money file (step 201) of asking in the file cache district, as if not existing, then processing procedure finishes; Otherwise, change step 202 and continue to carry out;
2) the transmitting/receiving file processing module from buffer area, read next untreated please the money file, and write down this please the money file in subsidiary payee's identifier (step 202);
3) the transmitting/receiving file processing module judges above-mentionedly whether have untreated record (step 203) in please the money file, if do not exist, then changes step 201 and continues to carry out, and continues to carry out otherwise change 204;
4) the transmitting/receiving file processing module please read next untreated record (step 204) the money file from above-mentioned;
5) the transmitting/receiving file processing module generates a serial number, and with the identifier of the disburser in serial number, processing time, the above-mentioned record, please the money amount of money, and should ask the information such as payee's identifier of money file to send to the transaction record processing module, write down (step 205) by this module;
6) the transmitting/receiving file processing module sends to payment services module (step 206) with serial number, disburser's identifier, payment services password, payee's identifier, requirement is verified the payment services password, and is returned the bank account of disburser and payee's correspondence;
7) disburser's identifier and corresponding payment service password that payment services module is sent the transmitting/receiving file processing module according to the information in disburser's Basic Information Table are verified (step 207), judge that whether checking is by (step 208)
8) do not pass through if verify, the payment services module is " payment services password and identifier are inconsistent " (step 214) with the set handling object information, and processing result information and serial number sent to the transaction record administration module, and by this module corresponding record of renewal (step 215), then, the payment services module is with processing result information, disburser's accounts information, the title of payee, accounts information and serial number send to transmitting/receiving file processing module (step 216), by this module with serial number, processing result information writes in the result file of this payee (step 217), changes step 203 then and continues to carry out;
9) pass through if verify, the payment services module is searched corresponding payment person's account information (step 209) according to disburser's identifier, find corresponding payee account information, payee's title (step 210) according to payee's identifier, payment services module processing result information is set to " the payment services password is consistent with identifier " (step 211), and account information, payee's title of processing result information, serial number, disburser's account information, payee sent to transmitting/receiving file processing module (step 212);
10) the transmitting/receiving file processing module with serial number, disburser's account information, collector's account information, payee's title, please the money amount of money as new record write new please the money file in (step 213);
11) changeing step 203 continues to carry out.
See also Fig. 5 again, it is depicted as the process that the bank paying platform processes is asked the money file, and concrete steps are as follows:
Bank paying platform inter-process system reads the pending record of next bar (step 301) of asking the money file, judge whether to exist the record (step 302) that is untreated, if there is not the record that is untreated, then the bank paying platform is sent to system's (step 310) with the result file, processing procedure finishes; Otherwise, bank paying platform inter-process system according to the Bank Account Number information in the record that reads, payee's account information, please handle (step 303) according to normal payment program by the money amount of money, judge the payable amount of money (step 304) in disburser's Bank Account Number, if payable insufficient in amount in disburser's Bank Account Number, then processing result information is " payable insufficient in amount in the account, payment processes be success not " (step 306); Otherwise processing result information is " payment processes success " (step 305); Judge whether to have existed result file (step 307) then, as not existing, then generate result file (step 308), bank paying platform inter-process system will write result file (step 309) according to the serial number in the record that reads, processing result information, payee's account information, processing time, change step 301 and continue to carry out.
Referring to Fig. 6, the result file that system returned according to the bank paying platform when it was depicted as processed offline of the present invention generates the process flow diagram at the result file of each payee.System is receiving the result file that the bank paying platform returns, and will handle with the result file of generation at different payees this result file, and upgrade corresponding transaction record, and concrete steps are as follows:
1. the transmitting/receiving file processing module of system reads the pending record of next bar (step 401) of result file, judges whether to have the record (step 402) that is untreated, if there is not the record that is untreated, then processing procedure finishes;
2. if there is the record that is untreated, the transmitting/receiving file processing module sends to the transaction record administration module with the serial number in the above-mentioned record, processing result information, upgrades corresponding transaction record (step 403) by this module;
The transaction record administration module with payee's identifier of respective transaction record, disburser's identifier, please the money amount of money etc. information send to transmitting/receiving file processing module (step 404); Judgement is at whether there being this payee's result file (step 405); As not existing, then generate at this payee's result file (step 406), change (step 407) and continue to carry out; Otherwise, directly change step 407 and continue to carry out;
The transmitting/receiving file processing module according to above-mentioned payee identifier with serial number, disburser's identifier, please the money amount of money, information such as result write in the result file of this payee (step 407);
5. changeing step 401 continues to carry out.
In order to make things convenient for the disburser to greatest extent, native system allows the disburser to select the type of identifier according to the demand of oneself.For example, the disburser can determine disburser's identifier in conjunction with the original numbering of different medium more jointly with different mediums such as I.D., driver's license, social security card, member card, mobile phone, landline telephones as the identifier type after definite identifier type.For example, the identifier type of I.D. is defined as " 10 ", then certain disburser's identifier may be " 1021042219770513211X ", and wherein " 10 " are the identifier type, the representative capacity card, and " 21042219770513211X " is the numbering of this I.D..For the original numbering of different medium, if figure place is inconsistent, then can add " 0 " polishing room, so that the central database consolidation form.For example, being numbered of certain member card " 237832 ", then this member card correspondence disburser's identifier be " 20000000000000237832 ", wherein, " 20 " represent the identifier type, i.e. this member card, " 237832 " represent the original numbering of this member card, and " 00000000000 " is that the polishing room increases automatically for native system then.Except above-mentioned existing medium, native system also can oneself be provided new medium, for example can be to hang over the IC-card sheet that surface on the automobile key is printed on bar code.
Owing to allow the disburser to select different identifier types, like this, when the disburser provides disburser's identifier that native system determines to payee, promptly can take multiple mode.For example, the disburser can show magnetic card, IC-card, bar code or other media the native system granting or that approved by native system, read the disburser's identifier that comprises in the medium by the relevant device of being located at payee, the disburser also can orally quote disburser's identifier, imports disburser's identifier by payee by keyboard.
For example, a plurality of payees are arranged, comprising the A of convenience store; The bank paying platform is the bank transaction adapting system of " China Unionpay ", and this adapting system connects each commercial bank, and the essential information of disburser's first has been charged to system, and it selects ID (identity number) card No. as disburser's identifier.Then disburser's first is as follows to convenience store's A shopping process by the service of native system:
Disburser's first is shown I.D., selecting the identifier type by the salesman in the action pane of native system is " I.D. ", and the ID (identity number) card No. of input disburser first, and the money amount of money is asked in input, require disburser's first input payment services password, will deliver to native system on all information then.Native system is determined disburser's identifier according to identifier type and ID (identity number) card No., then according to disburser's identifier, and validation of payment service password, find the bank account in this shop again according to the identifier of the A of convenience store subsidiary in the last carry information of the A of convenience store, find disburser's account information, with the bank account of the bank account of disburser's first, the A of convenience store, please the money amount of money pass to the adapting system of " China Unionpay ", be transferred to the corresponding bank transaction processing of paying by this adapting system.Bank dispose payment transaction and processing result information fed back to native system via above-mentioned adapting system after, native system sends to the A of convenience store with processing result information in the record transaction, then whole payment service procedure finishes.
If disburser's second is not held I.D., then can quote ID (identity number) card No. to the salesman, import by hand by the salesman.
When the disburser was individual payment, perhaps during the payment of contingency, native system generally adopted the mode of on line transaction.But for the disburser is the payment of fixed cycle, and for example once and when concentrating on some payee, then native system can carry out off-line trading by the information that payee provides in every month.For example, tax bureau's revenue collection, taxpayer's relative fixed, the time of payment of duty in every month is relative fixed also, and the tax amount of money has relative floating, and therefore can adopt the mode of off-line trading, promptly safeguard disburser's identifier of taxpayer by the tax bureau, determined each taxpayer's the tax amount of money in every month, submit to native system in the set time in the mode of asking the money file then, and carry out processed offline by native system.
During processed offline, best selection mode is to adopt the mode that does not need the payment services password, because off-line trading is often used for the situation that the fixed cycle withholds, therefore, the disburser only need check the statement in each cycle and get final product, and does not need all to submit the payment services password at every turn or the payment services password is stored in the corresponding document of payee.
Claims (13)
1. a payoff service management system is used for providing payment services to payee, bank paying platform, it is characterized in that, it comprises,
Central database,
Communication module,
Encrypting module,
The payment services module,
The transaction record administration module,
Wherein, central database comprises three tables of data, is respectively payment Basic Information Table, payee's information table, trading record sheet; Comprise a plurality of records in the payment Basic Information Table, each record comprises information such as disburser's identifier, account, payment services password; Payee's information table comprises a plurality of records, and each record comprises information such as payee's identifier, payee's title, the account of payee; Trading record sheet comprises many records, every record comprise transaction journal number, disburser's identifier, payee's identifier, please the money amount of money, transaction request time, result;
Communication module links to each other with the encrypting module of internal system, link to each other with payee, the bank paying platform of outside respectively simultaneously and also carry out communication each other, communication module is responsible for receiving the information that payee or bank paying platform send, send to encrypting module, and be responsible for to receive the information that encrypting module sends and send to payee or the bank paying platform;
The payment services module row communication of going forward side by side that links to each other with central database, encrypting module, transmitting/receiving file processing module, the transaction record administration module of internal system respectively, it is responsible for disburser's identity information is carried out legitimate verification, search disburser's account information, the account information of payee, will ask money information to send to transaction record administration module and encrypting module etc.;
The transaction record administration module asks money information and result to write down, manage to every; Encrypting module is encrypted the information in the central database, and to system encrypt with extraneous communication information, work such as deciphering.
2. payoff service management system as claimed in claim 1 is characterized in that, also is provided with transmitting/receiving file processing module and file cache district; This document buffer area is connected with the transmitting/receiving file processing module, file cache district storage system inner that generate and receive from the system outside please the money file, the result file; The transmitting/receiving file processing module is responsible for reading from the file cache district and is asked money file or result file, carries out respective handling, generates new asking the money file or also put into the file cache district once more at the result file file of each payee.
3. payoff service management system as claimed in claim 1 is characterized in that, described bank paying platform can be the disposal system of certain bank, also can be certain system that the transaction switched service is provided for a plurality of banks.
4. payoff service management system as claimed in claim 1 is characterized in that, disburser's identifier can only be made of an identifier part in the described payment Basic Information Table, also can be made of type and identifier two parts of identifier.
5. management method of using the described payoff service management system of claim 1, provide service in the on line mode, payee please money information via system handles after, be sent to the bank paying platform, by the processing of paying of bank paying platform, and processing result information fed back to payee; Its concrete steps are as follows:
1) payee asks the money amount of money with disburser's identifier, payment services password, and payee's identifier sends to the communication module of native system;
2) communication module of native system generates a unique serial number to the above-mentioned request of payee, and information such as the full detail that will receive from payee and serial number sends to the payment services module, simultaneously, communication module with serial number, disburser's identifier, please the money amount of money, payee's identifier, request time send to the transaction record administration module and carry out record by it;
3) payment services module is verified above-mentioned identifier and corresponding payment service password according to the corresponding information in the payment Basic Information Table, if checking is not passed through, changes for the 4th step and continues to carry out; Otherwise, changeed for the 5th step and continue to carry out;
4) payment services module sends to communication module with the processing result information and the corresponding serial number of " payment services password and identifier are inconsistent ", by communication module these information are sent to corresponding payee, simultaneously, the payment services module sends to the transaction record administration module with serial number and above-mentioned processing result information and upgrades corresponding transaction record, and this process finishes;
5) payment services module finds disburser's account again in the payment Basic Information Table according to disburser's identifier, in payee's information table, find the title of payee, the account information of payee etc. according to the identifier of payee, and with disburser's account information, the title of payee, the account information of payee, and corresponding serial number, please send to communication module by the money amount of money;
6) communication module sends to the bank paying platform with above-mentioned information;
7) the bank paying platform is handled according to normal payment program according to above-mentioned information, if the payable amount of money is less than asking the money amount of money in the account, then processing result information and serial number that only will " payable insufficient in amount in the account is handled failure " returns to native system, changes for the 8th step and continues to carry out; Otherwise the bank paying platform is finished payment processes according to the routine operation flow process, and the processing result information and the serial number of " handling successfully " returned to native system, changes for the 8th step and continues to carry out;
8) communication module receives the processing result information that the bank paying platform sends, and processing result information and serial number sent to payee, simultaneously these information are sent to the transaction record administration module, and by the transaction record administration module processing result information is updated in the respective transaction record, this process finishes.
6. method as claimed in claim 5 is characterized in that, the processing mode that the bank paying platform is finished payment according to the routine operation flow process in described the 7th step is directly to ask money amount of money equivalent amount to payee's account from transferring in disburser's account.
7. method as claimed in claim 5, it is characterized in that, the processing mode that the bank paying platform is finished payment according to the routine operation flow process in described the 7th step is that deduction please money amount of money equivalent amount in disburser's account earlier, behind the clearance amount deducted is transferred to payee's account eventually in day every day again.
8. management method of using the described payoff service management system of claim 1, provide service with offline mode, system receive payee please the money file after, with ask the visitor in the money file logging handles well and merges to one new please the money file after, the transmitting/receiving file processing module of system please send to the bank paying platform by the money file with new, and is handled asking all the record unifications in the money file by the bank paying platform; After the bank paying platform processes finishes, be placed on the result unification in the result file and send it back system; After above-mentioned result file is received by system, processing result information is updated in the corresponding transaction record, simultaneously every record in the result file is generated different result files according to payee's classification, will send to each payee at the result file of payee at last.
9. method as claimed in claim 8 is characterized in that, with each payee send whole please the money file to be merged into a new process that please the money file as follows:
1) the transmitting/receiving file processing module of system judges whether there is the untreated money file of asking in the file cache district, as if not existing, then processing procedure finishes; Otherwise, changeed for the 2nd step and continue to carry out;
2) the transmitting/receiving file processing module from buffer area, read next untreated please the money file, and write down this please the money file in subsidiary payee's identifier;
3) the transmitting/receiving file processing module judges above-mentionedly whether have untreated record in please the money file, if do not exist, then changes for the 1st step and continues to carry out, and continues to carry out otherwise changeed for the 4th step;
4) the transmitting/receiving file processing module please read next untreated record the money file from above-mentioned, generate a serial number, and with the identifier of the disburser in serial number, processing time, the above-mentioned record, please the money amount of money, and should ask the information such as payee's identifier of money file to send to the transaction record processing module, carry out record by this module;
5) the transmitting/receiving file processing module sends to the payment services module with serial number, disburser's identifier, payment services password, payee's identifier, requires the payment services password is verified and returned the bank account of disburser and payee's correspondence;
6) disburser's identifier and corresponding payment service password that payment services module is sent the transmitting/receiving file processing module according to the information in disburser's Basic Information Table verify that checking is not passed through, and then change for the 7th step and continue to carry out; Otherwise, changeed for the 8th step and continue to carry out;
7) payment services module sends to the transaction record administration module with the processing result information of serial number and " payment services password and identifier are inconsistent ", and upgrade corresponding record by this module, simultaneously, these information are sent to the transmitting/receiving file processing module, by this module processing result information is write in the result file at this payee, changeed for the 10th step and continue to carry out;
8) payment services module is searched corresponding payment person's account information according to disburser's identifier, find corresponding payee account information, payee's title according to payee's identifier, and serial number, disburser's account information, collector's account information, payee's title are sent to the transmitting/receiving file processing module;
9) the transmitting/receiving file processing module with serial number, disburser's account information, collector's account information, payee's title, please the money amount of money as new record write new please the money file in, changeed for the 10th step and continue to carry out;
10) changeed for the 3rd step.
10. method as claimed in claim 8 is characterized in that, the bank paying platform processes asks the process of money file as follows:
1) bank paying platform inter-process system reads the pending record of next bar of asking the money file, if there is not the record that is untreated, then processing procedure finishes; Otherwise, changeed for the 2nd step and continue to handle;
2) bank paying platform inter-process system according to the disburser's account information in the record that reads, payee's account information, please handle according to normal payment program by the money amount of money, if payable insufficient in amount in disburser's Bank Account Number, then processing result information is set to " payable insufficient in amount in the account is handled not success "; Otherwise the bank paying platform carries out corresponding payment to be handled, and processing result information is set to " handling successfully " after disposing;
3) bank paying platform inter-process system will write the result file according to the serial number in the record that reads, processing result information, processing time;
4) changeing for the 1st step continues to carry out.
11. method as claimed in claim 8, it is characterized in that system is receiving the result file that above-mentioned bank paying platform returns, will handle to generate result file this result file at different payees, and upgrade corresponding transaction record, concrete steps are as follows:
1) the transmitting/receiving file processing module of system reads the pending record of next bar of result file, if there is not the record that is untreated, then processing procedure finishes; Otherwise, changeed for the 2nd step and continue to handle;
2) the transmitting/receiving file processing module sends to the transaction record administration module with the serial number in the above-mentioned record, processing result information, upgrades corresponding transaction record by this module;
3) the transaction record administration module with payee's identifier of respective transaction record, disburser's identifier, please the money amount of money etc. information send to the transmitting/receiving file processing module;
4) the transmitting/receiving file processing module according to above-mentioned payee identifier with serial number, disburser's identifier, please the money amount of money, information such as result write in the result file at this payee;
5) changeed for the 1st step.
12. method as claimed in claim 8 is characterized in that, describedly please the money file comprise many records, every record comprise the disburser identifier, please the money amount of money; The payment services password can be comprised in every record, also the payment services password can be do not comprised.
13. method as claimed in claim 8 is characterized in that, the described money file of asking also comprise payee's identifier information.
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|---|---|---|---|
| CNA2004100670118A CN1758276A (en) | 2004-10-10 | 2004-10-10 | Payoff service management system and method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2004100670118A CN1758276A (en) | 2004-10-10 | 2004-10-10 | Payoff service management system and method |
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| CN1758276A true CN1758276A (en) | 2006-04-12 |
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| CNA2004100670118A Pending CN1758276A (en) | 2004-10-10 | 2004-10-10 | Payoff service management system and method |
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