TWI786333B - Transaction method and device for unit account - Google Patents

Abstract

The embodiments of the present invention belong to the technical field of data processing, and in particular relate to a transaction method and device for unit accounts, which are used to improve the convenience of processing unit account transactions. The method includes: the server receives the first transaction request sent by the first processing mechanism device, the first transaction request includes the account identifier of the transaction unit; the server determines the payment token of the transaction unit according to the account identifier of the transaction unit , the payment token corresponds to the account identifier; the server sends a second transaction request carrying the payment token to the second processing mechanism device, so that the second processing mechanism device uses the payment token to conduct transactions.

Description

Transaction method and device for unit account

The invention belongs to the technical field of data processing, and in particular relates to a transaction method and device for unit accounts.

The mainland market has a huge demand for corporate payment, and the scene is relatively simple, which belongs to the blue ocean market. At present, the mainland’s corporate payment services are mainly processed through the PBOC’s small-amount payment system, super online banking, non-bank payment institution self-linking platform, and bank-enterprise direct linking, but the efficiency is not high. As a card organization, UnionPay provides corporate customers with payment services such as customer fund settlement, supply chain, and purchase of agriculture, forestry, animal husbandry and fishery based on bank cards. There are problems such as the low coverage of bank cards in corporate accounts, the low rate of live cards, and the extremely low stickiness of corporate customers to use cards.

Overall, at this stage, the processing efficiency of transactions between corporate accounts of different banks is low and not convenient enough.

The invention provides a method and device for unit account transactions, which are used to improve the convenience of handling unit account transactions.

A transaction method for a unit account provided by an embodiment of the present invention includes: the server receives a first transaction request sent by a first processing mechanism device, and the first transaction request includes the account identifier of the transaction unit; The account identification of the transaction unit is determined, and the payment identification corresponds to the account identification; the server sends the second transaction request carrying the payment identification to the second processing mechanism device, so that the second processing mechanism device Transactions are made using this payment token.

In an optional specific embodiment, the server determines the payment token of the transaction unit according to the account identifier of the transaction unit, including: the server determines that there is no payment token corresponding to the account identifier; the server determines the payment token corresponding to the account identifier; The account identifier of the transaction unit generates a payment token corresponding to the account identifier, and the payment token is in one-to-one correspondence with the account identifier.

In an optional specific embodiment, after the server generates the payment mark corresponding to the account mark according to the account mark of the transaction unit, it further includes: the server saves the corresponding relationship between the account mark and the payment mark, and The corresponding relationship between the account identifier and the payment token is sent to the second processing mechanism device.

The embodiment of the present invention also provides a transaction method for a unit account, including: the processing mechanism device receives the second transaction request sent by the server, the second transaction request carries the payment mark of the transaction unit, and the payment mark is the server according to The account identifier of the transaction unit is determined; the processing institution device determines the account of the transaction unit corresponding to the payment token according to the payment token; The processor device executes the second transaction request on the transaction unit's account.

An optional specific embodiment further includes: the processing mechanism device sends a first transaction request to the server, the first transaction request includes the account identifier of the transaction unit, so that the server , determine the payment token of the transaction unit, and the payment token is in one-to-one correspondence with the account identifier.

In an optional specific embodiment, the processing mechanism device determines the account of the transaction unit corresponding to the payment token according to the payment token, including: the processing mechanism device stores a corresponding relationship between an account identifier and a payment token, and the corresponding relationship is The server determines and sends to the processing mechanism device; the processing mechanism device determines the account of the transaction unit corresponding to the payment token according to the corresponding relationship and the payment token.

An embodiment of the present invention provides a transaction device for unit accounts, including: a receiving unit, configured to receive a first transaction request sent by a first processing institution device, the first transaction request includes an account identifier of a transaction unit; a marking unit, configured to According to the account identifier of the transaction unit, determine the payment token of the transaction unit, the payment token corresponds to the account identifier; the sending unit is configured to send the second transaction request carrying the payment token to the second processing mechanism device, so that The second processor device conducts the transaction using the payment token.

In an optional specific embodiment, the marking unit is specifically configured to: determine that there is no payment token corresponding to the account identifier; generate a payment token corresponding to the account identifier according to the account identifier of the transaction unit, and the payment token and There is a one-to-one correspondence between the account identifiers.

In an optional specific embodiment, the marking unit is also used to save the correspondence between the account identifier and the payment token; the sending unit is also used to send the correspondence between the account identifier and the payment token to the second 2. Processing facility equipment.

An embodiment of the present invention also provides an electronic device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the at least one processor, the The instructions are executed by the at least one processor to enable the at least one processor to perform the method as described above.

An embodiment of the present invention also provides a non-transitory computer-readable storage medium, where the non-transitory computer-readable storage medium stores computer instructions, and the computer instructions are used to make the computer execute the above-mentioned method.

In the embodiment of the present invention, the server receives the first transaction request sent by the first processing mechanism device, and the first transaction request includes the account identifier of the transaction entity. The server can determine the payment token of the transaction unit according to the account identifier of the transaction unit, and the payment token corresponds to the account identifier. The server sends the second transaction request carrying the payment token to the second processing mechanism device, so that the second processing mechanism device can use the payment token to conduct transactions. In the embodiment of the present invention, the server assigns a payment token to the account identifier corresponding to the transaction unit, and the server can use the payment token to process transactions related to the unit account, especially to process transactions between unit accounts of different banks. Public transactions are included in the processing scope of the server, which can be widely applied to the existing business of the server. In addition, for the user level, since the user does not need to apply for a bank card for the account of the transaction unit, the transaction can be directly initiated on the account, that is, the user has no perception, which increases the number of users. The convenience of handling organizational accounts optimizes the user experience.

Steps 201~203, 301~310, 401~408‧‧‧

101‧‧‧terminal

102‧‧‧Processing facility equipment

103‧‧‧Server

501‧‧‧receiving unit

502‧‧‧marking unit

503‧‧‧Sending unit

601‧‧‧processor

602‧‧‧memory

603‧‧‧Transceiver

604‧‧‧bus interface

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings that need to be used in the description of the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present invention. For Those of ordinary skill in the art can also obtain other drawings based on these drawings without paying progressive labor.

Fig. 1 is a schematic diagram of a possible system framework applicable to the embodiment of the present invention; Fig. 2 is a schematic flow chart of a transaction method for an entity account provided by an embodiment of the present invention; Fig. 3 is a schematic diagram of an entity account provided by Embodiment 1 of the present invention Schematic flow diagram of the transaction method; Figure 4 is a schematic flow diagram of the transaction method for the unit account provided by Embodiment 2 of the present invention; Figure 5 is a schematic structural diagram of a transaction device for the unit account provided by the embodiment of the present invention; Figure 6 is the implementation of the present invention Schematic diagram of the structure of the electronic device provided in the example.

In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, rather than all embodiments . Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making progressive efforts belong to the protection scope of the present invention.

The existing corporate payment settlement mainly realizes the demand through the following channels: the Central Bank of China Micropayment system and super online banking, non-bank payment institution self-connection platform, bank-enterprise direct connection, card organization unit settlement card.

There are limitations in the above several implementation methods: (1) The large-amount payment system of the People's Bank of China provides a 5*21-hour operation window. For inter-bank corporate payment needs during non-working hours, corporate companies need to split them into multiple transactions to be able to Realized through the Chinese central bank's micropayment system and super online banking with a low single transaction limit, the cost is high and the efficiency is low; The platform business of the self-linked bank of institutions will be illegal and needs to be banned; (3) the bank-enterprise direct link channel can only support the payment and settlement of corporate accounts in the same industry, and cannot meet the needs of cross-banks; (4) for the card organization to launch for the corporate customer market However, cardholders are still accustomed to providing corporate accounts, and have not developed the user habit of providing corporate settlement cards. Moreover, the scale of corporate settlement card users is small and has not yet covered the existing corporate user market.

In order to solve the above problems, an embodiment of the present invention provides a transaction method for unit accounts. A possible system architecture to which the method is applicable, as shown in FIG. 1 , includes a terminal 101 , a processing mechanism device 102 , and a server 103 . Wherein, the terminal 101 may be a mobile phone, a tablet computer, or a dedicated handheld device such as a POS (point of sale, sales terminal) machine, an NFC (Near Field Communication, short-distance wireless communication technology) and other electronic equipment with a transaction processing function. It can be a personal computer (PC for short), a notebook computer, a server and other devices that can be used for payment.

The processing institution device 102 can be a device in an institution that processes various transactions, such as a server of each banking system, and can be an independent device, or can be formed by multiple servers. A server cluster formed. Preferably, the processing mechanism device 102 can use cloud computing technology to process information. The server 103 can be an independent device, or a server cluster formed by multiple servers. Preferably, the server 103 can use cloud computing technology for information processing.

The server 103 can be connected to multiple processing mechanism devices 102 , one processing mechanism device 102 can be connected to multiple terminals 101 , and one terminal 101 can also be connected to multiple processing mechanism devices 102 .

The transaction method of the unit account in the embodiment of the present invention is based on the payment tokenization technology to allocate a payment token for the unit account, and through the payment token, the business-to-business payment needs are brought into the processing scope of the server. Its typical application scenarios include:

1. Payment business

The bank applies for a unit TOKEN (Payment Token, payment mark) for the unit account, and generates a standard QR code display, which can be used for mobile online banking QR code scanning payment or through POS scanning code payment, NFC binding and other face-to-face payment application scenarios . For example, in the procurement and payment business of the supply chain, the unit account can be used to pay for the purchase by scanning the unit TOKEN QR code through the POS.

2. Collection business

Unit TOKEN can also be widely used in business-to-corporate collection business. For example, in the customer fund settlement business, the acquiring institution initiates a unit TOKEN credit transaction to the customer's corporate account, which can support 7*24 hours of real-time customer fund entry. Provide efficient fund settlement services.

Fig. 2 exemplarily shows a schematic flow chart of a transaction method for unit accounts provided by an embodiment of the present invention.

Based on the foregoing, as shown in Figure 2, the embodiment of the present invention provides a transaction method for a unit account implemented on the server side, including the following steps: Step 201, the server receives the first transaction request sent by the first processing mechanism equipment, and the first transaction request includes the account identifier of the transaction unit; Step 202, the server determines the payment token of the transaction unit according to the account identifier of the transaction unit, The payment token corresponds to the account identifier; step 203, the server sends a second transaction request carrying the payment token to the second processing mechanism device, so that the second processing mechanism device uses the payment token to conduct transactions.

In the embodiment of the present invention, the server receives the first transaction request sent by the first processing mechanism device, and the first transaction request includes the account identifier of the transaction entity. The server can determine the payment token of the transaction unit according to the account identifier of the transaction unit, and the payment token corresponds to the account identifier. The server sends the second transaction request carrying the payment token to the second processing mechanism device, so that the second processing mechanism device can use the payment token to conduct transactions. In the embodiment of the present invention, the server assigns a payment token to the account identifier corresponding to the transaction unit, and the server can use the payment token to process transactions related to the unit account, especially to process transactions between unit accounts of different banks. Public transactions are included in the processing scope of the server, which can be widely applied to the existing business of the server. In addition, for the user level, since the user does not need to apply for a bank card for the account of the transaction unit, the transaction can be directly initiated on the account, that is, the user is not aware of it, which increases the convenience for the user to handle the unit account and optimizes the user experience.

The payment mark in the embodiment of the present invention may be a unit TOKEN number generated for the account of the transaction unit through payment tokenization technology. The unit TOKEN is associated with the unit account of the enterprise customer, and based on the TOKEN technology, it is a payment and settlement tool generated for the unit account. Specifically, the unit TOKEN can be a 13- to 19-digit number starting with 62, which complies with the basic rules of the bank card BIN number and corresponds to the unit account one by one. Of course, the unit TOKEN can also be 3 or The digits starting with other digits such as 4 are either a string of English characters, or a mixed string containing digits and English characters. The embodiment of the present invention does not limit the specific form and content of the unit TOKEN. In the transaction, the unit TOKEN number is used to replace the traditional account number, so as to meet the needs of unit account mobility and cardless payment.

In the embodiment of the present invention, in order to correspond one-to-one with the unit account, the server may generate a unique number according to the account number of the unit account as the payment sign corresponding to the account number. Specifically, in the above step 201, the server determines the payment token of the transaction unit according to the account identifier of the transaction unit, including: the server determines that there is no payment token corresponding to the account identifier; An account identifier, generating a payment token corresponding to the account identifier, where the payment token is in one-to-one correspondence with the account identifier.

In the specific implementation process, after receiving the transaction request sent by the processing institution device, the server determines that the transaction request carries the account identifier of the transaction unit, and then inquires whether there is a payment token corresponding to the account identifier. If the server determines that the payment token corresponding to the account identifier has already been stored, the server may directly use the payment token to process the transaction request. If the server determines that there is no payment token corresponding to the account identifier, the server generates a corresponding payment token according to the account identifier of the transaction unit, which may be a multi-digit number uniquely corresponding to the account identifier of the unit account.

Further, after the server generates the payment mark corresponding to the account mark according to the account mark of the transaction unit, it also includes: the server saves the corresponding relationship between the account mark and the payment mark, and stores the corresponding relationship between the account mark and the payment mark sent to the second processing mechanism device.

Specifically, after the server generates the payment token, it stores the corresponding relationship between the account identifier and the payment token in order to facilitate subsequent processing of transactions of the same account. In this way, when the server receives a transaction request from the same account again, it does not need to repeat the generation process of the payment token, and only needs to find the corresponding relationship according to the account identifier to determine the payment token. At the same time, the server also sends the corresponding relationship between the account identifier and the payment token to the second processing mechanism device. The second processing institution device may store the corresponding relationship between the account identifier and the payment token. In this way, the payment token can be used between the server and the second processing structure instead of the account number to uniquely identify the unit account.

Corresponding to the processing institution side, the transaction method of the unit account in the embodiment of the present invention includes: the processing institution device receives the second transaction request sent by the server, the second transaction request carries the payment mark of the transaction unit, and the payment mark is the server Determined according to the account identifier of the transaction unit; the processing mechanism device determines the account of the transaction unit corresponding to the payment token according to the payment token; the processing mechanism device executes the second transaction request on the account of the transaction unit.

For the processing institution, the processing institution device may determine that the second transaction request is a public transaction according to the payment token carried in the received second transaction request, that is, it is related to the unit account. In this way, the processing institution processes the second transaction request in the same manner as a public transaction, and determines the account of the transaction unit according to the payment token, so as to execute the second transaction request on the account of the transaction unit.

The processing institution equipment can actively request the payment token from the server, or send a general transaction request to the server, and the server decides to produce the corresponding payment token for the transaction unit. remember.

In the embodiment of the present invention, it also includes: the processing mechanism device sends a first transaction request to the server, and the first transaction request includes the account identification of the transaction unit, so that the server can determine the transaction according to the account identification of the transaction unit The payment token of the transaction unit, and the payment token is in one-to-one correspondence with the account identifier.

Here, the processing mechanism device sending the first transaction request and the processing mechanism device receiving the second transaction processing request may be the same processing mechanism device, or may be different processing structure devices. When both are the same processing institution equipment, the processing institution actively requests the server to determine a unique payment token for the unit account, so that the processing institution can use the payment token to process transaction tasks. When the two devices are different processing institution devices, when the processing institution sends the first transaction request to the server, the first transaction request is an ordinary transaction request, that is, it does not contain the relevant content of the payment mark. The server determines the payment token according to the first transaction request, so that the public transaction is included in the server's processing range, and the server's transaction processing range is increased.

According to the payment token, the processing mechanism device determines the account of the transaction unit corresponding to the payment token, including: the processing mechanism device stores the corresponding relationship between the account identifier and the payment token, and the corresponding relationship is determined by the server and sent to the processing Institutional equipment; the processing institution equipment determines the account of the transaction unit corresponding to the payment token according to the corresponding relationship and the payment token.

In a specific implementation process, the corresponding relationship between the account identifier and the payment token may be stored in the processing institution device, and the corresponding relationship is sent to the processing institution device by the server. In this way, the server can then send the payment token to the processing institution equipment, and the processing institution equipment can search The stored information determines the account ID corresponding to the payment token.

In order to understand the present invention more clearly, the above process will be described in detail below with specific embodiments. In Embodiment 1, the payer terminal is connected to the first processing institution device, the payee terminal is connected to the second processing institution device, and the first Both the processing mechanism device and the second processing mechanism device are connected to the server. Wherein, the device of the first processing institution is a server in bank A, and the device of the second processing institution is a server in bank B.

The specific steps are shown in Figure 3, including: step 301: the payer terminal initiates a payment (or transfer) transaction request to the first processing institution equipment, and the transaction request includes the account number of the payee's unit account; step 302: the first The processing institution device sends the payment transaction request to the server; Step 303: The server checks whether the unit TOKEN is stored according to the account number of the payee unit, if so, executes Step 307, otherwise executes Step 304; Step 304: The server according to For the account of the payee unit, generate the payee unit TOKEN, and save the corresponding relationship between the account number and the TOKEN; Step 305: After the server generates the payee unit TOKEN, set up the unit TOKEN to credit the first transaction message, and Send the first transaction message to the second processing mechanism device. The content of the first transaction message is as follows: (1) the main account field, fill in the unit TOKEN number received; (2) the account owner type identification (60.2.1 field), fill in as "3-unit TOKEN"; ( 3) Payee information (field 104), fill in auxiliary verification information, including account name, account number, business license registration number (or unified social credit code).

Step 306: After receiving the first transaction message, the second processing mechanism device identifies "Account owner type" is "3-unit TOKEN", read the payee information, and save the corresponding relationship between the unit TOKEN and the payee information; Step 307: After the unit TOKEN account is verified, it will be the payee immediately The account is credited. Then execute step 3010; step 308: the server constructs the unit TOKEN to credit the second transaction message according to the unit TOKEN, and sends the second transaction message to the second processing mechanism device. The second transaction message includes the primary account field, and fills in the received unit TOKEN number; Step 309: After receiving the second transaction message, the second processing device identifies the "account owner type" as "3-unit TOKEN" , query the information of the payee from the stored data, and credit the account of the payee; Step 310: the second processing mechanism device notifies the terminal of the payee of the credit information.

The second embodiment is that the processing institution equipment actively applies for the unit TOKEN, and binds the unit TOKEN with the application APP, and directly initiates the payment demand with the TOKEN (or a QR code based on the TOKEN) when paying, which can be an application initiated by an enterprise customer, or Can be unaware for enterprise customers. The following takes an enterprise customer applying for a corporate QR code as an example. The specific steps are shown in Figure 4, including: Step 401: The corporate customer initiates account binding on the user terminal (mobile phone corporate online banking or merchant APP) and applies for a corporate QR code. Code application request, the application request includes the account number of the enterprise customer; step 402: the processing institution initiates an application request to the server to apply for a two-dimensional code, and the application request includes the account number of the enterprise customer; step 403: the server Query the account of the enterprise customer. If the corresponding unit TOKEN is found, go to step 405 directly; and Save; Step 405: The server generates a UnionPay standard QR code according to the unit TOKEN; Step 406: The server returns the QR code to the processing institution equipment; Step 407: The processing institution device sends the QR code to the client; Step 408 : The user terminal displays to enterprise customers.

Through the QR code, corporate customers can carry out consumption, face-to-face corporate payment and other businesses on the UnionPay network.

The embodiment of the present invention also provides a unit account transaction device, as shown in Figure 5, including: a receiving unit 501, configured to receive the first transaction request sent by the first processing institution equipment, the first transaction request includes the transaction unit the account identification of the transaction unit; the marking unit 502 is used to determine the payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark is corresponding to the account identification; the sending unit 503 is used to send the carrying A second transaction request of the payment token to cause the second processor device to conduct a transaction using the payment token.

Further, the marking unit 502 is specifically configured to: determine that there is no payment token corresponding to the account identifier; generate a payment token corresponding to the account identifier according to the account identifier of the transaction unit, and the payment token is in one-to-one correspondence with the account identifier .

Further, the marking unit 502 is also used to save the correspondence between the account identifier and the payment token; the sending unit 503 is also used to send the correspondence between the account identifier and the payment token to The second processing mechanism device.

Here, the server may be a UnionPay server, or a server of other card organizations, which is not limited here.

Based on the same principle, the present invention also provides an electronic device, as shown in FIG. 603 are connected through a bus interface 604; the processor 601 is used to read the program in the memory 602, and execute the following method: receive the first transaction request sent by the first processing mechanism device, and the first transaction request Including the account identifier of the transaction unit; determining the payment token of the transaction unit according to the account identifier of the transaction unit, the payment token corresponding to the account identifier; sending a second transaction request carrying the payment token to the second processing mechanism device, To enable the second processing mechanism device to use the payment token to conduct transactions.

Further, the processor 601 is specifically configured to: determine that there is no payment token corresponding to the account identifier; generate a payment token corresponding to the account identifier according to the account identifier of the transaction unit.

Further, the processor 601 is specifically configured to: store the correspondence between the account identifier and the payment token, and send the correspondence between the account identifier and the payment token to the second processing mechanism device.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It should be understood that computer program instructions Each process and/or block in the flowchart and/or block diagram, and a combination of processes and/or blocks in the flowchart and/or block diagram are realized. These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing equipment to produce a machine so that the instructions executed by the processor of the computer or other programmable data processing equipment Produce means for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, such that the instructions stored in the computer readable memory produce an article of manufacture including the instruction means , the instruction means realizes the functions specified in one or more procedures of the flow chart and/or one or more blocks of the block diagram.

These computer program instructions may also be loaded into a computer or other programmable data processing device, causing a series of operational steps to be performed on the computer or other programmable device to produce computer-implemented The instructions executed above provide steps for implementing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

While preferred embodiments of the present invention have been described, additional changes and modifications can be made to these embodiments by those skilled in the art once the basic progressive concepts are appreciated. Therefore, it is intended that the appended claims be construed as including the preferred embodiments and all changes and modifications which fall within the scope of the invention.

Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention also intends to include these modifications and variations. Variant included.

201~203‧‧‧Steps

Claims (11)

A transaction method for unit accounts, characterized in that the terminal of the payer is connected to the equipment of the first processing institution, the terminal of the payee is connected to the equipment of the second processing institution, and the equipment of the first processing institution and the equipment of the second processing institution are both connected to the server , including: the server receives the first transaction request sent by the first processing mechanism device, the first transaction request includes the account identifier of the transaction unit; the first transaction request is received by the first processing mechanism device from the payer terminal transaction request; the server determines the payment token of the transaction unit according to the account identifier of the transaction unit, and the payment token corresponds to the account identifier; the server sends the second payment token carrying the payment token to the second processing institution device A transaction request, so that the second processing mechanism device uses the payment token to conduct transactions, so that the payer's account and the payee's account complete the transaction; the first processing mechanism device and the second processing mechanism device are processing mechanism devices of different banks . The transaction method for unit accounts as described in Claim 1, wherein the server determines the payment token of the transaction unit according to the account identifier of the transaction unit, including: the server determines that there is no payment token corresponding to the account identifier ; The server generates a payment mark corresponding to the account mark according to the account mark of the transaction unit, and the payment mark is in one-to-one correspondence with the account mark. The transaction method of the unit account as described in claim 2, wherein, after the server generates the payment token corresponding to the account identifier according to the account identifier of the transaction unit, it further includes: the server saves the account identifier and the payment token The corresponding relationship between the account identifier and the payment token is sent to the second processing mechanism device. A transaction method for unit accounts, characterized in that the terminal of the payer and the first processing institution are set The payee terminal is connected to the second processing mechanism equipment, and the first processing mechanism equipment and the second processing mechanism equipment are both connected to the server, including: the second processing mechanism equipment receives the second transaction request sent by the server, the The second transaction request carries the payment mark of the transaction unit, the payment mark is determined by the server according to the account identification of the transaction unit, and the account identification of the transaction unit comes from the first transaction request sent to the server by the first processing mechanism equipment , the first transaction request is a transaction request received by the first processing mechanism device from the payer terminal; the processing mechanism device determines the account of the transaction unit corresponding to the payment token according to the payment token; the second processing mechanism device Executing the second transaction request on the account of the transaction unit, so that the payer account and the payee account complete the transaction, and the first processing institution device and the second processing institution device are processing institution devices of different banks. The transaction method for unit accounts as described in claim 4, further comprising: the second transaction request also includes an account type identifier; the second processing mechanism device recognizes that the account type identifier is an unit account, and then according to the payment mark , to determine the account of the transaction unit corresponding to the payment token. The transaction method for unit accounts as described in Claim 4, wherein, according to the payment token, the second processing mechanism device determines the account of the transaction unit corresponding to the payment token, including: the second processing mechanism device stores the account identifier and The corresponding relationship of the payment token, which is determined by the server and sent to the second processing mechanism equipment; the second processing mechanism equipment determines the account of the transaction unit corresponding to the payment token according to the corresponding relationship and the payment token . A transaction device for unit accounts, characterized in that it includes: a receiving unit, configured to receive a first transaction request sent by a first processing institution device, the first transaction The transaction request includes the account identification of the transaction unit; the first transaction request is the transaction request received by the first processing mechanism equipment from the payer terminal; the marking unit is used to determine the transaction unit according to the account identification of the transaction unit The payment token, the payment token corresponds to the account identifier; the sending unit is configured to send the second transaction request carrying the payment token to the second processing mechanism device, so that the second processing mechanism device uses the payment token to conduct transactions , so that the payer's account and the payee's account complete the transaction; the first processing institution device and the second processing institution device are processing institution devices of different banks. The transaction device for unit accounts as described in claim 7, wherein the marking unit is specifically used to: determine that there is no payment mark corresponding to the account identification; generate a payment corresponding to the account identification according to the account identification of the transaction unit mark, the payment mark is in one-to-one correspondence with the account ID. The unit account transaction device as described in Claim 7, wherein, the marking unit is also used to save the corresponding relationship between the account identifier and the payment token; the sending unit is also used to connect the account identifier to the payment token The corresponding relationship is sent to the second processing mechanism device. An electronic device, characterized by comprising: at least one processor; and a memory connected in communication with the at least one processor; wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by The at least one processor executes, so that the at least one processor can execute the unit account transaction method described in any one of claims 1 to 6. A non-transitory computer-readable storage medium, characterized in that the non-transitory computer-readable storage medium stores computer instructions, and the computer instructions are used to make the computer execute any one of request items 1 to 6 The transaction method of the unit account described.

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