TW202121325A - Online payment process of tender bond for government e-procurement system and method of transaction process optimization having payment paid directly to the financial institution without the need of transfer from other third part - Google Patents

Abstract

Disclosed are an online payment process of tender bond for government e-procurement system and a method of transaction process optimization, which introduces digitization processes into payment processes of a government e-procurement system. The government e-procurement system encodes a tender and payer information in an alphanumeric form for identification. A general acquiring system of a financial institution serves as a receiving unit for data sending from the public construction commission, and the financial institute sends out notification of transaction result in real time to indicate success or failure of the transaction, in the meantime, the central authority (including the central bank, the national treasury administration and its subordinate institutions) acts as a leading accounting unit, adopting online accounting process such as batch reconciliation and bulk write off, so that the payment is paid directly to the financial institution, and therefore, there is no need for transfer from other third part. Accordingly, the disclosed provides a more convenient and real time payment approach for the tenderers and tenderees, and moreover, it is applicable to all financial institutions.

Description

The method of online payment collection process and transaction process optimization of government procurement network pledged gold

The present invention relates to a method for online payment collection process and transaction process optimization of government procurement online bidding funds, and especially relates to a method that provides bidders and bidding agencies with a more convenient and instant payment (charge) method, especially Common to all financial institutions.

At present, people bidding for government projects are to log in to the government electronic procurement website with their account and password to enter the "tender case number" for query; for site leasing or property sales of the bidding agency, click "Procurement Assistant→Property Treatment→Procurement Rental" after logging in to the platform "Enquire, and then pay the bid deposit in cash or financial institution's promissory note at the time of bid opening announced in the case. Due to the payment method of the bid deposit, all people or agencies who intend to bid must pay the bid deposit at the bid opening time before obtaining the right to bid. The payment method of the bid deposit has caused inconvenience to the bidder. The bidders from other regions who have won the bids are even more troubled by their boats and vehicles.

The online payment plan for electronic bid deposits planned by the ticket exchange in July 108 was that the bidding authority filled in the collection account, and the ticket exchange provided eACH instant deduction payment service. After the payment was completed, the ticket exchange would fill in a serial number Pass it to the e-procurement network to confirm the completion of the payment (eligible for bidding). Although the payment of bid deposits has been made online, only 9 financial institutions can handle deductions. In addition, because public treasury accounts are different from general accounts, they can be deposited and withdrawn freely under certain conditions (single condition). In line with the purpose of collection and the correctness of the transaction amount, it is unable to make a refund (withdrawal) by itself, and must be The agency handles the income return operation and can only process the income return after approval. Therefore, this program can only provide public agencies with a centralized payment system (currently only Taipei City), and the public agency must collect the money before transferring it to the account of the bidding agency.

Looking at the above process, the following technical problems and requirements to be solved are derived: (1) The government procurement network's collection operations are introduced into electronic operations, (2) the government procurement network will identify bidding cases and payer information with alphanumeric codes, ( 3) The general acquiring system of financial institutions is used as the receiving unit for the data transmission of the public project; (4) The payment success or failure message is sent by the financial institution to notify the transaction result immediately; (5) The central authority (the Central Bank’s Treasury Department and its jurisdiction) More than 600 agencies) are the leading accounting units, adopting online accounting operations such as batch reconciliation, batch verification and write-off, and (6) the funds are directly transferred to the agency, without the need for other agencies to transfer payments. Therefore, ordinary users cannot meet the needs of users who provide bidders and bidding agencies with a more convenient and instant payment (charge) method in actual use, and it is common to all financial institutions.

The main purpose of the present invention is to overcome the above-mentioned problems encountered by the known skills and provide a method that can introduce the collection of government procurement network into electronic operation, and the government procurement network can identify bidding cases and payer information with alphanumeric codes. , The general acquiring system of financial institutions is used as the receiving unit for the data transmission of the public works society. The financial institution sends a notification of the transaction result to the central authority (the Central Bank’s Treasury Department and more than 600 agencies under its jurisdiction) when the payment success or failure message is sent. As the leading unit of accounting, it adopts online accounting operations such as batch reconciliation and batch write-off, and the funds are directly transferred to the agency without the need for transfer by other agencies.

In order to achieve the above objectives, the present invention is a method for online payment collection process and transaction process optimization of government procurement online bidding funds, which at least includes the following steps: Step 1: Can communicate with the payer The electronic device is connected to the government procurement website with the account and password. The government procurement network provides bidding and rental information for several bidding projects. The payer enters or clicks on a bidding agency or case number, and the bidding agency or The case number is analyzed, and the bidding and rental information of a bidding case that meets the bidding authority or case number is obtained from the bidding and rental information of the several bidding cases; Step 2: The payer’s bidding and rental information for the bidding case Submit a payment settlement request, and judge the time of the bid deadline; Step 3: After the bid deadline has not expired, the payer will be forwarded to the payer for payment confirmation, and the payment information will be entered, including the government procurement of the Public Works Association, the bidding agency or the case No., write-off number, and bid amount, for the payer to verify the payment after confirming the payment information, generate and transmit a payment amount, payment method, transaction time and transaction number of the transaction result in real time, and note it The transaction result is used as a confirmation of whether the payer is qualified as a bidder, and the payer can log in to the government procurement website to query the transaction result and print the transaction result voucher. The government procurement network regenerates and transmits one that includes the bidding The agency, the bidding case number, and the settlement payment information sufficient to identify the individual information of the payment. The bidding agency needs to update the bidding agency’s payment account information on the government procurement website; Step 4: You can use the government procurement website The checkout payment information is applied to the central bank’s treasury account write-off number coding rules. According to the write-off number coding rules, the 16-code write-off number is divided into two parts. The first 11 codes of one part are 14 of which are verified and compiled by a central agency. Code remittance payment account number conversion, omit the 2 check codes, and convert the first 2 codes as income subjects to 1 code, simplifying the 14-code payment account number compiled by the central agency to 11 codes, and the other part of the back The 5 code is the combination of the bidding case number and the individual information of the payment, which is compiled by the payer's own coding rules to identify the payer; Step 5: Regularly update the information of the central agency's payment account , And restore the account-distribution number of the government procurement network on behalf of the payment to the treasury account according to the coding rules of the account-distribution number, and then compare the restored account of the treasury with the updated central agency account of the treasury online. Those who do not meet the comparison result will be separately noted as an exception, and finally the account number, The payer’s self-edited account cancellation number (5 digits after the original account cancellation number), the payment amount, the payment method (new WA transaction type), the transaction time, the number of transactions, and the merger of the abnormal notes A detailed data file of online database payment is sent to a central bank institution in batches on the next day of the transaction. The central bank institution uploads the detailed data file of online database payment to the central institution, downloads it by the government procurement network, and feeds it back to the central institution. The accounting system of the bidding authority completes the verification and write-off operation; and Step 6: The transaction of the abnormal note is consulted with the deduction agency, and the payer is contacted to confirm the payment unit, and then the account is corrected and verified between the agencies. Pin assignments.

In the above-mentioned embodiment of the present invention, it further includes a control unit, a transceiver unit connected to the control unit, a government procurement platform unit connected to the control unit, an account number coding unit connected to the control unit, and a control unit connected to the control unit. The accounting agency unit of the unit.

In the above embodiment of the present invention, the control unit is a central processing unit, which can be used as the transceiver unit, the government procurement platform unit, the account number encoding unit, and the accounting agent unit for operation, control, processing, and encoding. , Decoding and various driving instructions.

In the above embodiment of the present invention, the transceiver unit can be connected to the payer's electronic device, and the transceiver unit can be a wireless network communication protocol or a wired network communication protocol.

In the above-mentioned embodiment of the present invention, the government procurement platform unit has at least a processing module, a login module, a storage module, a search module, a bid period module, and a payment module. The login module The payer can log in with the account password. The storage module can store bidding and rental information of several bidding projects. The search module can be used by the payer to input or click on a bidding agency or case number. The bidding authority or case number analyzes the bidding and leasing information of the several tendering cases. The bidding and leasing information of a tendering case that conforms to the bidding authority or case number is obtained from the bidding and leasing information of the bidding agency or case number. After entering the bidding and rental information of the bidding proposal or clicking the bidding information, proceed to the bidding Judging the time of the bid deadline, the payment module can forward the payer to a payment interface for payment confirmation, and the payment information, including the government procurement by the public works agency, the bidding agency or the case number, the cancellation number, and the bidding The amount is substituted into the specific field of the payment interface for the payer to verify the payment by inserting the card after confirming the payment information, and actively send a payment amount, payment method, transaction time and transaction number of the real-time transaction result to the processing Module, the transaction result is noted by the processing module and stored in the storage module to determine whether the payer is qualified as a bidder, and provides that the payer can inquire about the transaction result from the storage module when the payer logs in later. Print the transaction result voucher, the processing module generates and transmits a checkout payment data including the bidding authority, the bidding case number, and the individual information sufficient to identify the payment. The payment module can be downloaded to the central agency by itself The detailed data file of the online payment database and feedback to the accounting system of the bidding authority.

In the foregoing embodiment of the present invention, the deadline for bidding is 2 minutes before the deadline for bidding.

In the above-mentioned embodiment of the present invention, the write-off number encoding unit applies the checkout payment data of the government procurement platform unit to the central bank treasury account write-off number encoding rule. According to the write-off number encoding rule, a total of 16 codes The write-off number is divided into two parts. The first 11 codes of one part are converted by the 14-code remittance payment account number compiled by a central agency, the 2 check codes are omitted, and the first 2 codes as the income account are converted into 1 codes. , To simplify the 14-code payment account number compiled by the central agency to 11 digits, and the last 5 digits of the other part are combined with the bidding case number and the individual payment information, which are compiled by the payer according to the coding rules selected by the payer as the payment For the identification of the payer.

In the above-mentioned embodiment of the present invention, the code rule for the write-off number is to transfer the 14-code remittance to the library account. The previous 11 digits are the income account, and the third digit to the sixth digit and the 12th digit to the 14th digit total 7 digits. Is the institution code, the 11th code of the income account, and the 7th code of the institution code, that is, the 11th code of the account number The code and the 14th code are check codes that can be omitted, and the current 2 code of the income section is less than 30. The conversion rule is to directly convert the first 2 codes from 01 to 09 to 1 to 9, and the first 2 codes to 10 Those from 29 to 29 are converted into A to W in English alphabetical order, among which the English letters O, I and L are easily confused characters and shall not be used. According to the above rules, the 14-code deposit account number compiled by the central agency can be simplified to 11 yards.

In the above-mentioned embodiment of the present invention, the restoration calculation of the income account is to multiply the 10th code by 3, and the 9th code from the first to the 10th code except the 11th code as the check code. Multiply by 4, and so on until the 6th code is multiplied by 7, the 5th code is multiplied by 3 from the beginning, and so on to the first code and multiplied by 7, and then divide all the products together and divide by 11, and the remainder is Number 11, and the restoration calculation method of the agency code is the same as that of the income account; according to the above rules, the simplified 11-code payment account can be restored to the 14-code compiled by the central agency.

In the above embodiment of the present invention, if the reduction calculation is divisible or the remainder is 10, the check code is 0.

In the above-mentioned embodiment of the present invention, the accounting agency unit regularly updates the information of a central agency's payment account number, and restores the account cancellation number of the government procurement platform unit to the payment account according to the account cancellation number coding rule. Bank account number, and then compare the restored payment account number with the updated central institution payment account number online. If the comparison result does not match, an exception will be noted separately, and the bank account number and the payer’s self-edited account will be cancelled. The serial number (5 digits after the original cancellation number), payment amount, payment method, transaction time, number of transactions, and abnormal notes are combined into a network payment database detail data file, which will be sent to a central bank institution in batches on the next day of the transaction. The central bank agency uploads the online payment database detailed data file to the central agency, and the government procurement platform unit downloads it by itself, and feeds it back to the accounting system of the bidding authority to complete the verification and write-off operation.

1‧‧‧This device

11‧‧‧Control unit

12‧‧‧Transceiver unit

13‧‧‧Government Procurement Platform Unit

131‧‧‧Processing Module

132‧‧‧Login Module

133‧‧‧Storage Module

134‧‧‧Search Module

135‧‧‧Bid deadline module

136‧‧‧Payment Module

14‧‧‧Commissioning number coding unit

15‧‧‧Accounting Agency Unit

2‧‧‧Electronic device

3‧‧‧Central Agency

4‧‧‧Central Bank Institutions

s1~s16‧‧‧Step 1~Step 16

Figure 1 is a schematic flow diagram of the present invention.

Figure 2 is a block diagram of the present invention.

Please refer to "FIG. 1 and FIG. 2", which are a schematic diagram of the process of the present invention and a schematic block diagram of the present invention, respectively. As shown in the figure: The present invention is a method for online payment collection process and transaction process optimization of government procurement online bidding gold, which is suitable for a device 1 for online payment collection process and transaction process optimization. It is more than one of the present invention. In a preferred embodiment, the device 1 includes a control unit 11, a transceiver unit 12, a government procurement platform unit 13, a debit number encoding unit 14, and an accounting agent unit 15.

The aforementioned control unit 11 may be a central processing unit, which is used as the operation, control, and operation of the transceiver unit 12, the government procurement platform unit 13, the account number encoding unit 14 and the accounting agent unit 15 Processing, encoding, decoding and all kinds of driving instructions are reached.

The transceiver unit 12 can be a wireless network communication protocol or a wired network communication protocol. It is connected to the control unit 11 and can be connected to the payer’s electronic device 2 which can be a personal computer or a notebook. computer.

The government procurement platform unit 13 is connected to the control unit 11, and it has at least a processing module 131, a login module 132, a storage module 133, a search module 134, a bid deadline module 135, and a payment module 136. The login module 132 can provide the payer to log in to the government procurement platform unit 13 with an account and password, and the storage module 133 can store The bidding and rental information of several bidding projects. The search module 134 allows the payer to input or click on a bidding agency or case number, and analyze the bidding agency or case number. The bidding and rental information of a bidding project that meets the bidding authority or the case number is obtained from the rental information. The bidding period module 135 can be used by the payer to make a payment settlement request for the bidding and rental information of the bidding project. To determine the time of the bid deadline, the payment module 136 can forward the payer to a payment interface for payment confirmation, and the payment information, including the government procurement by the public works agency, the bidding agency or the case number, the cancellation number, and The bid amount is entered into the specific field of the payment interface for the payer to verify the payment by inserting the card after confirming the payment information, and actively send a payment amount, payment method, transaction time and transaction number of the real-time transaction result to the Processing module 131. The processing module 131 notes the transaction result and stores it in the storage module to determine whether the payer is qualified as a bidder, and provides the payer to log in to the government procurement platform unit 13 hours later The storage module 133 can query the transaction result and print the transaction result certificate. The processing module 131 then generates and transmits a checkout payment containing the bidding authority, the bidding case number, and the individual information sufficient to identify the payment. In the data, the bidding agency needs to update the account information of the bidding agency's payment to the database in the government procurement platform unit.

The write-off number encoding unit 14 is connected to the control unit 11, and the settlement and payment data of the government procurement platform unit 13 can be applied to the central bank treasury account write-off number encoding rule. According to the write-off number encoding rule, a total of 16 codes The write-off number is divided into two parts. The first 11 digits of one part are the 14-code remittance payment account conversion which is verified by a central agency 3 (the Treasury Department of the Ministry of Finance). The first 2 codes are converted to 1 code, which simplifies the 14-code payment account number verified by the central agency 3 to 11 codes. The last 5 codes of the other part are combined with the bidding case number and the individual information of the payment. The payer chooses the coding rules and compiles it as the identification of the payer use.

The accounting agency unit 15 is the Treasury Bank, which is connected to the control unit 11 to periodically update the information of the central agency 3’s treasury account number, and the government procurement platform unit 13’s account deduction number for each transaction is based on the The cancellation number coding rules are restored to the treasury account number, and then the restored treasury account number is compared with the updated central agency 3 treasury account number online. If the comparison result does not match, the exception will be noted separately, and the treasury will be transferred to the treasury. Account number, cancellation number compiled by the payer (5 digits after the original cancellation number), the payment amount, the payment method (new WA transaction type), the transaction time, the number of transactions, and the exception The notes are merged into an online database payment details data file, which is sent to a central bank institution 4 (the central bank treasury bureau) in batches on the next day of the transaction, and the central bank institution 4 uploads the online database payment details data file to the central institution 3. The payment module 136 of the government procurement platform unit downloads it by itself and feeds it back to the accounting system of the bidding authority to complete the verification and write-off operation. If so, the above-disclosed device constitutes a new method of online payment collection process and transaction process optimization for government procurement online bidding.

The above-mentioned write-off number coding rule of the write-off number encoding unit 14, wherein the first 11 digits of the write-off number are converted by the account number, and the conversion rule is:

The central agency 3 (ie, the Treasury Department of the Ministry of Finance) has a total of 14 digits for the account number, of which the first 11 digits are income accounts, and the 7 digits from the 3rd to the 6th digit and the 12th to the 14th digit are the agency code. For example, the Treasury Department of the Ministry of Finance generally donates A/C: 10 17100101 7 00 3 , the income account is 1017100 101 7 , and the agency code is 171000 3 .

1. The 11th code (last code) of the income account, and the 7th code (last code) of the institution code, that is, the 11th and 14th codes of the account number of the deposit account, which are check codes. The 2 check codes can be omitted .

2. The current 2 code of this income section is less than 30. According to the conversion rule of Table 1, convert 2 code to 1 code. The conversion rule is: if the first 2 codes are 01 to 09, directly convert 1 to 9, and the first 2 codes For those from 10 to 29, in English The parent sequence is converted into A to W. Among them, the English letters O, I, and L and other easily confusing characters are not used. According to the above rules, the 14-code deposit account number compiled by the central agency can be simplified to 11 codes.

In one embodiment, in the general donation account of the National Treasury Department, the income account is 1017100101 7 , the account number is 10 1710 01017 003 , and the agency code is 1710003, where:

1. The 11th code (last code) of the income account is the check code, and the calculation method is as follows:

將除了第11碼為檢查碼以外的第1碼至第10碼，按表二排列，由右至左，將第1碼乘上3，第2碼乘上4，依此類推至第5碼乘上7以後，第6碼從頭由3乘起，依此類推至第10碼乘上7，以上所有乘積合計為51，除以11，餘數為7，即為第11碼。其中，若可除盡或餘數為10，則檢查碼為0。

Except for the 11th code, which is the check code, the 1st to 10th codes are arranged according to Table 2, from right to left, the first code is multiplied by 3, the second code is multiplied by 4, and so on to the fifth code After multiplying by 7, the 6th code is multiplied by 3 from the beginning, and so on to the 10th code multiplied by 7, the total of all the above products is 51, divided by 11, the remainder is 7, which is the 11th code. Among them, if it is divisible or the remainder is 10, the check code is 0.

2. The 7th code (last code) of the institution code is also the check code, and the calculation method is as follows:

其演算方式同該收入科目，合計為58，除以11，餘數為3，即為第7碼。其中，若可除盡或餘數為10，則檢查碼為0。

The calculation method is the same as that of the income subject, the total is 58, divided by 11, and the remainder is 3, which is the seventh code. Among them, if it is divisible or the remainder is 10, the check code is 0.

According to the above rules, the 11th and 14th digits of the account number are omitted, and the first 2 digits are converted to 1 digit. The general donation account number of the Ministry of Finance and the Treasury Department is converted to the 11-digit cancellation number, as shown in Table 4.

The restoration calculation of the above account conversion first restores the first code of the account cancellation number to 2 first, that is, restores A 1710010100 (11 code) to 10 1710010100 (12 code). Secondly, from the first restoration of 10 codes before 12 codes, according to the above coding rules, the 11th check code is restored , that is, 1017100101 00 (12 codes) is restored to 1017100101 7 00 (13 codes). Finally, from the 3rd to 6th codes after the second restoration, as well as the 12th and 13th codes, the 14th check code is restored, that is, 10 1710 01017 00 (13 codes) is restored to 1017100101700 3 (14 codes) ). After the above restoration, the first 11 digits of the simplified cancellation number will be restored to the 14-digit payment account number. Among them, there is no order to restore the income account check code and the agency code check code. You can also restore the agency code check code first, and then restore the income account check code.

The 5 digits after the cancellation number are the identity of the payer. The coding rules are compiled by the institution for the purpose of identifying the payer. The present invention can be a combination of the bidding case number and the individual payment information, and the coding rules can be selected by yourself .

When used, the steps are as follows:

In step one s1, the payer uses the electronic device 2 to connect to the transceiver unit 12, and the transceiver unit 2 can be a wireless network communication protocol, such as 3G, 4G, 5G, wi-fi, and so on. After the link is completed, the login module 132 can log in to the government procurement platform unit 13 with the account and password, and Enter the bidding case number to query through the search module 134; or for the site leasing or property sale of the bidding agency, you can click the bidding agency (for example: procurement assistance→property handling→property leasing) for inquiries.

Step two s2, after querying, the payer can make a payment settlement request to the payment module 136 (for example: bid deposit payment→financial institution acquiring system), and the bid deadline module 135 will set the bid deadline time It is judged that this payment service will not be provided if the bidding deadline (approximately 2 minutes before the deadline for bidding) is exceeded.

In step three s3, the write-off number coding unit 14 applies the bidding authority, bidding case number, and individual information sufficient to identify the payment of the government procurement platform unit 13 to the central bank treasury funds write-off number coding rule.

In step four s4, the payment module 136 of the government procurement platform unit 13 adds the bid amount field filled in by the payer.

Step 5 s5, in accordance with the above-mentioned coding rules for the write-off number: a total of 16 digits of the write-off number (can be used in English, numbers or a combination), divided into two parts, part of the first 11 digits by the central authority 3 (Treasury The authorized 14-code remittance payment account number is converted, and the 2 digit check code is omitted, and the current 2 digits of the income section are converted to 1 digit, then the 14-code payment account number is simplified to 11 digits; the last 5 digits are compiled by the agency. For the purpose of identifying the payer's identity, this embodiment can be a combination of the bidding case number and the individual payment information, and the coding rules can be selected by oneself.

In step 6 s6, the bidding authority needs to update the account information of the bidding authority's payment to the database in the government procurement platform unit 13.

In step 7 s7, the accounting agent unit 15 (Treasury Bank) regularly updates the treasury account information of the central agency 3 (Treasury Department of the Ministry of Finance).

Step 8 s8, after the payer clicks the payment checkout request, the payment page will be forwarded to the payment module 1 36 payment interface, and substitute information such as government procurement, bidding agency or case number, write-off number, bid amount and other information in the government procurement platform unit 13 into the specific fields of the payment module 136 payment interface.

Step 9 s9, after the payer confirms the payment information, insert the card to verify the payment.

In step ten s10, the payment module 136 actively sends the real-time transaction result to notify the processing module 131 of the government procurement platform unit 13 of the payment result. And the processing module 131 will note the result of the transaction to determine whether the payer is qualified as a bidder.

Step eleven s11, the subsequent payer can log in to the government procurement platform unit 13 and the storage module 133 to query the transaction result and print the transaction result voucher.

In step 12 s12, the account agency unit 15 (Treasury Bank) restores the account number for each transaction of the collected funds to the treasury account number according to the above-mentioned account number coding rule.

Step 13 s13, the account agent unit 15 (Treasury Bank) will compare the restored treasury account number with the updated central agency 3 (Ministry of Finance and Treasury Department) account number online. Those who do not match the results will be separately Annotation is abnormal.

Step 14 s14, the accounting agent unit 15 (Treasury Bank) will pay the treasury account number, the payer’s self-edited account cancellation number (5 digits after the original account cancellation number), payment amount, payment method (new WA transaction Type), transaction time, number of transactions, and exception notes are merged into a single network payment data file (Treasury revenue and expenditure connection operation of the Treasury Bank), and the central bank institution 4 (Central Treasury Bureau) will be sent to the central bank on the next day of the transaction. .

In step 15 s15, the central bank institution 4 uploads the online payment details data file to the central institution 3 (Ministry of Finance and Treasury Department), which is downloaded by the payment module 136 of the government procurement platform unit 13 and fed back to the bidding authority The accounting system to complete the verification and write-off operations.

Step 16 s16, the accounting agent unit 16 (Treasury Bank) will contact the debiting agency (debiting bank) for the transaction with abnormal remarks, and after contacting the payer to confirm the payment unit, the government procurement platform unit 13 will perform the agency Account correction and write-off operations during the period.

The invention can provide bidders and bidding agencies with a more convenient and instant payment (charge) method, and is universally applied to all financial institutions. The advantages of this device and the benefits of using this device are as follows:

1. The Government Procurement Network is a public bidding information website for public agencies across the country. This device can greatly increase the number of financial institutions that currently provide instant deduction and payment services by the current ticket exchanges.

2. Introducing this device, in addition to making the deposit payment online, its transaction mode can also be directly applied to mobile payment in the future, that is, before transferring the payment page, the Quick Response Matrix Code (QR Code) specification is changed to It is displayed on the screen for customers to scan the QR code to pay, without modifying the transaction process, and provide updated options for the payment processing method, which can also meet the requirements of its financial innovation.

3. The payer of the agency only needs to enter the amount he wants to bid, and the payment channel can be changed from on-site cash payment and financial bill exchange (send) to a more convenient remote payment operation.

4. It can greatly reduce the cost of cash and bill storage, on-site currency counting and currency verification.

5. It can simplify the manual processing time of payers, the Treasury Department of the Ministry of Finance, the Treasury Bureau of the Central Bank and the State Treasury Agency.

6. Since the information of the payer is de-identified, the personal information of the payer can be prevented from leaking.

7. Account cancellation and reconciliation are performed online, and the staff of the account-entry agency does not need to fill out the relevant forms of the treasury payment to the treasury. Compared with the traditional manual method of reconciliation, the present invention uses media files to provide transfer payment details uploading and feedback operation mode, which has little impact and changes on the existing systems of the Ministry of Finance and the Treasury Bureau and the Central Bank Treasury Bureau, but it brings Provide more convenience to central agencies and financial institutions.

In summary, the present invention is a kind of online government procurement network bidding collection process And the method of optimizing the transaction process can effectively improve the various shortcomings of conventional use, so that the invention can be more advanced, more practical, and more in line with the needs of users. It has indeed met the requirements of an invention patent application. A patent is filed in accordance with the law. Application.

However, the above are only the preferred embodiments of the present invention, and should not be used to limit the scope of implementation of the present invention; therefore, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the description of the invention , Should still fall within the scope of the invention patent.

1‧‧‧This device

11‧‧‧Control unit

12‧‧‧Transceiver unit

13‧‧‧Government Procurement Platform Unit

131‧‧‧Processing Module

132‧‧‧Login Module

133‧‧‧Storage Module

134‧‧‧Search Module

135‧‧‧Bid deadline module

136‧‧‧Payment Module

14‧‧‧Commissioning number coding unit

15‧‧‧Accounting Agency Unit

2‧‧‧Electronic device

3‧‧‧Central Agency

4‧‧‧Central Bank Institutions

Claims (11)

A method for online payment collection process and transaction process optimization of government procurement network bidding gold, which at least includes the following steps: Step 1: Connect with the payer’s electronic device and log in to the government procurement website with the account password. The government procurement website provides bidding and rental information for several bidding projects. The payer enters or clicks on a bidding agency or project No. After analyzing the bidding agency or case number, the bidding and rental information of the bidding agency or case number is obtained from the bidding and rental information of the bidding agency or the case number; Step 2: The payer submits a payment settlement request for the bidding and rental information of the bidding proposal, and judges the time of the bid deadline; Step 3: After the deadline for bidding has not expired, the payer will be relayed to the payer for payment confirmation, and the payment information will be transferred to the payer, including government procurement by the Public Works Association, bidding agency or case number, write-off number, and bid amount for the payer After confirming the payment information, insert the card to verify the payment, generate and transmit the payment amount, payment method, transaction time and transaction number of the transaction result in real time, and note the transaction result to determine whether the payer is qualified as a bidder The confirmation can be used by the payer to log in to the government procurement website to query the transaction results and print the transaction result voucher. The government procurement network generates and transmits a document containing the bidding authority, the bidding case number, and sufficient to identify the payment The checkout payment information of individual information, where the bidding agency needs to update the information of the bidding agency’s payment account information on the government procurement website; Step 4: The checkout payment information of the government procurement website can be applied to the central bank treasury account write-off number coding rule. According to the write-off number coding rule, the 16-code write-off number can be divided into two parts, one of the first 11 The code is verified by a central agency The 14-code remittance payment account number is converted, the 2 digits of the check code are omitted, and the first 2 digits as the income account are converted to 1 digit, so that the 14-code payment account number compiled by the central agency is simplified to 11 digits. Part of the last 5 digits is a combination of the bidding case number and the individual information of the payment, and is compiled by the payer's choice of coding rules for the purpose of identification of the payer; Step 5: Regularly update the information of the payment account of the central agency, and restore the account number of the government procurement network to the account of the account according to the number code rule of the account, and then restore the account of the account after restoration. Perform online comparison with the updated central agency’s payment account number. Those who do not meet the results of the comparison will be separately noted as an exception, and finally the payment account number and the payer’s self-edited account cancellation number (5 digits after the original account cancellation number) ), the payment amount, the payment method (new WA transaction type), the transaction time, the number of transactions, and the exception note are combined into an online payment database detail data file, which will be sent to a central bank on the next day of the transaction in batches Institutions, where the central bank institution uploads the online payment details data file to the central institution, downloads it by the government procurement network itself, and feeds it back to the accounting system of the bidding authority to complete the verification and write-off operations; and Step 6: The transaction of the abnormal note is contacted with the deduction agency, and after the payer is contacted to confirm the payment unit, the account correction and write-off operations between the agencies are carried out. According to the method described in item 1 of the scope of patent application, it further includes a control unit, a transceiver unit connected to the control unit, a government procurement platform unit connected to the control unit, and an account number code connected to the control unit Unit and an accounting agent unit connected to the control unit. According to the method described in item 2 of the scope of patent application, the control unit is a central processing unit, which can be used as the operation calculation of the transceiver unit, the government procurement platform unit, the account number encoding unit and the accounting agent unit , Control, processing, editing Code, decoding and all kinds of drive commands are available. According to the method described in item 2 of the scope of patent application, the transceiver unit can be connected to the payer's electronic device, and the transceiver unit can be a wireless network communication protocol or a wired network communication protocol. According to the method described in item 2 of the scope of patent application, the government procurement platform unit has at least a processing module, a login module, a storage module, a search module, a bidding period module, and a payment module Group, the login module can provide the payer to log in with the account password, the storage module can store bidding and rental information of several bidding projects, the search module can be used by the payer to input or click a bidding agency or The bidding agency or case number is analyzed, and the bidding and rental information of a bidding project that meets the bidding agency or case number is obtained from the bidding and rental information of the several bidding cases. The bidding deadline module can be After the payer enters the bidding and rental information of the bidding proposal or clicks on the bidding information, it will judge the time of the bid deadline. The payment module can forward the payer to a payment interface for payment confirmation, and the payment will be made. Payment information, including the government procurement by the Public Works Association, the bidding agency or case number, the cancellation number, and the bid amount into the specific fields of the payment interface for the payer to verify the payment after confirming the payment information, and take the initiative Send a payment amount, payment method, transaction time, and transaction number of the real-time transaction result to the processing module, and the processing module will note the transaction result and store it in the storage module to determine whether the payer is eligible for bidding Identification of the qualification of the person, and provide that the storage module can query the transaction result and print the transaction result certificate when the payer logs in. The processing module generates and transmits a file containing the bidding authority, the bidding case number, and sufficient identification For the settlement payment data of the individual information of this payment, the payment module can download the detailed data file of the online payment database to the central agency and feed it back to the accounting system of the bidding authority. According to the method described in item 1 or 5 of the scope of patent application, the deadline for bidding is 2 minutes before the deadline for bidding. According to the method described in item 2 of the scope of the patent application, the write-off number coding unit applies the settlement and payment data of the government procurement platform unit to the central bank treasury funds write-off number coding rule, according to the write-off number coding rule , Divide the 16-code cancellation number into two parts. The first 11 digits of a part are converted by the 14-code remittance payment account number verified and compiled by a central agency. The 2 digits of the check code are omitted, and the first 2 digits will be used as the income account. The code has been converted to 1 code, simplifying the 14-code payment account number compiled by the central agency to 11 codes. The last 5 codes of the other part are combined with the bidding case number and payment information, which are determined by the payer. The coding rules are compiled for the identification of the payer. According to the method described in item 7 of the scope of patent application, the code rule of the write-off number is to transfer the 14-code remittance to the library account. The previous 11 digits are the income account, the 3rd to the 6th digit and the 12th to the 12th digit The 14th digit and 7 digits are the agency code, the 11th digit of the income subject, and the 7th digit of the agency code, that is, the 11th and 14th digits of the payment account number, which are check codes that can be omitted, and the income section is currently If the 2 code is less than 30, the conversion rule is to directly convert the first 2 codes from 01 to 09 to 1 to 9, and the first 2 codes from 10 to 29 to be converted into A to W in English alphabetical order, where the English letter O , I and L are easily confused characters and shall not be used; according to the above-mentioned rules, the 14-digit bank account number authorized by the central agency can be simplified to 11 digits. According to the method described in item 8 of the scope of patent application, the reduction calculation of the income subject is to multiply the 10th digit from the first digit to the 10th digit except the 11th digit as the check code. Take 3, multiply the 9th yard by 4, and so on until the 6th yard is multiplied by 7, and the 5th yard is multiplied by 3 from the beginning, and so on until the 1st yard is multiplied by 7, and then the After dividing all the products by 11, the remainder is the 11th code, and the reduction calculation method of the agency code is the same as that of the income account; according to the above rules, the simplified 11-code payment account can be restored to the 14 approved by the central agency code. According to the method described in item 9 of the scope of patent application, if the reduction calculation is divisible or the remainder is 10, the check code is 0. According to the method described in item 2 of the scope of patent application, the accounting agency unit regularly updates the information of a central agency’s treasury account number, and the account number of the government procurement platform unit’s collection of payments is based on the account cancellation number. The number coding rules are restored to the treasury payment account, and then the restored treasury account number is compared with the updated central agency treasury account number. If the comparison result does not match, an exception will be noted separately, and finally the treasury account number and payment will be made. The account cancellation number (5 digits after the original account cancellation number), payment amount, payment method, transaction time, transaction number, and abnormal notes compiled by the person themselves are combined into a network payment database detail data file, which will be sent to the next day of the transaction in batches A central bank institution, the central bank institution uploads the online payment database detailed data file to the central institution, and the government procurement platform unit downloads it by itself, and feeds it back to the accounting system of the bidding authority to complete the verification and write-off operation.

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