TWM592546U - System providing application host interface for electronic payment - Google Patents

Abstract

A system for providing application host interface for electronic payment. After providing the application host interface through the financial server, it sends the charge-off data generated by the application host and the deduction data input by the client connected to the application host to The transaction server enables the application host to provide the technical means of electronic payment through the financial server and the transaction server to the client, which can reduce the cost of the serial transaction server and achieve the technical effect of increasing the online payment method.

Description

Provide application host interface for electronic payment system

A split-run computing system, particularly a system that provides application host interface for electronic payment.

In the past, the payment methods of telecommunications, transportation, public utilities, government fees, insurance fees, medical expenses and other items were all in the form of counter payment, that is, the payer went to the payment counter of the collecting unit with the bill or went to the bank with the bill Or payment agencies such as Chaoshang pay the fees in cash, or use automated equipment such as ATM to pay the fees.

With the advancement of technology, more and more services can also be added through the Internet. Of course, Internet payment services are also included. At present, in addition to using the website provided by the government to cooperate with the payer's payment account to complete the payment, the online payment can also be completed through the application provided by the payment institution or the receiving unit to bind the payer's payment account .

Generally speaking, the provision of online payment services requires registration with the online transaction service provider. However, the network service provider may not register with the online transaction service provider for various reasons, such as: the cost or the complexity of the connection is too high Or, vendors that provide online transaction services are unwilling to register with Internet service providers. In this way, the network service provider cannot provide the network payment service, causing inconvenience to the customers of the network service provider.

In summary, it can be seen that in the prior art, there has been a problem that some network service providers cannot use online transaction services resulting in failure to provide online payment services. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem that some network services do not provide online payment services in the prior art, the author has disclosed a system that provides an application host interface for electronic payment, in which:

The system disclosed in this creation that provides an application host interface for electronic payment includes at least: a client for entering login data and deduction data; an application host for providing client connection for receiving login data , And used to generate write-off data, the write-off data includes the write-off account number; the financial server, used to receive the write-off data sent by the application host, and used to receive the debit data sent by the client, and verify the charge Data; transaction server, used to receive the write-off data and deduction data sent by the financial server, and to execute transactions based on the write-off data and deduction data and generate corresponding transaction results, and send the transaction results to the financial The server enables the financial server to store transaction records that contain write-off data and transaction results.

The system disclosed in this creation is as above, and the difference between it and the previous technology is that after this creation provides the application host interface through the financial server, the account write-off data generated by the application host and the deduction input by the client connected to the application host The payment data is sent to the transaction server, so that the application host can provide electronic payment through the financial server and the transaction server to solve the problems existing in the previous technology, and can achieve the technical effect of increasing the online payment method.

The following will describe the features and implementation of this creation in detail with reference to the drawings and examples. The content is sufficient for any person skilled in the relevant arts to easily fully understand and implement the technical means applied to solve the technical problems of this creation to implement accordingly, thereby realizing The effect that this creation can achieve.

This creation allows the application host to interface with the financial server, so that the application host can provide electronic payment services through the financial server. It can even calculate the amount of the application host based on the transaction result of the electronic payment Transfer to the interface account corresponding to the application host.

In the following, the operation of the creation will be explained with the system architecture diagram provided by "Creation 1" in the creation of the application host interface for electronic payment. As shown in "Figure 1", the authored system includes a client 110, an application host 120, a transaction server 130, a financial server 150, and a debit host 141, an accounting host 142, and a management terminal 190 that can be attached. Among them, the client 110, the application host 120, the transaction server 130, the deduction host 141, the accounting host 142, the financial server 150, and the management terminal 190 are computing devices.

The computing devices mentioned in this creation include but are not limited to one or more processors, one or more memory modules, and buses that connect different components (including memory modules and processors). Through the included multiple components, the computing device can load and execute the operating system, so that the operating system runs on the computing device, and can also execute software or programs. In addition, the computing device also includes a housing, and the above-mentioned components are disposed in the housing.

The bus of the computing device mentioned in this creation may include one or more types, for example, including a data bus, an address bus, a control bus, and an extended function bus ( Expansion bus), and/or local bus (local bus) and other types of bus. Computing equipment buses include but are not limited to parallel industrial standard architecture (ISA) buses, peripheral component interconnect (PCI) buses, video electronics standards association (VESA) local buses, and serial universal serial buses (USB), fast peripheral component interconnect (PCI-E) bus, etc.

The processor of the computing device mentioned in this creation is coupled to the bus. The processor includes a register group or register space. The register group or register space can be completely set on the processing wafer, or all or part of it can be set outside the processing wafer and connected via a dedicated electrical connection. And/or coupled to the processor via a bus. The processor may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and are coupled and communicated through the bus. The processor can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copy/move data, etc., to run the operating system or execute various programs, modules, and/or element.

The processor of the computing device may be coupled to the chipset or electrically connected to the chipset through the bus. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and peripheral I/O controller, that is, the memory controller and peripheral I/O controller can be included in Within an integrated circuit, two or more integrated circuits can also be used. The chipset usually provides I/O and memory management functions, and provides multiple general-purpose and/or dedicated registers, timers, etc. Among them, the above-mentioned general-purpose and/or dedicated registers and timers can be coupled or One or more processors electrically connected to the chipset are accessed or used.

The processor of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above memory module includes any type of volatile memory (volatile memory) and/or non-volatile (non-volatile memory, NVRAM) memory, such as static random access memory (SRAM), dynamic random access Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area may include any type of storage device or storage medium, for example, a hard disk drive, an optical disc, a flash drive (flash memory), a memory card (memory card), a solid state drive (Solid State Disk, SSD), or any other storage device, etc. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drives, and solid state drives.

The processor of the computing device can also connect and communicate with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral input and output busses through the peripheral input and output controllers. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, trackpad, joystick, etc. The peripheral output device can be any type of output device, such as a display, printer, etc., peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include a wireless communication network supporting Wi-Fi, Zigbee, etc., Bluetooth, infrared, near field communication (NFC), 3G/4G/5G and other mobile communication networks The interface of wireless communication or other wireless data transmission protocol, wired communication interface can be Ethernet device, asynchronous transmission mode (ATM) device, DSL modem, cable modem, etc. The processor can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through the various peripheral devices and interfaces, and can also communicate with another computing device having the components described above.

The client 110 may be an application program installed on a mobile device, but this creation is not limited thereto. For example, the client 110 may also be a mobile device. Among them, the mobile devices mentioned in this creation are mobile phones, tablet computers, etc.

The client 110 can input login information. The login data entered by the client 110 is the data used by the client 110 to log in to the application host 120, such as account password, member account number or member number, etc.

The client 110 can also input deduction information. The deduction data entered by the client 110 includes customer identification data, deduction data, transaction amount, etc. Among them, the customer identification data may be identity card numbers or passport numbers that can represent the user of the client 110, which is usually unique; the deduction data includes the debit bank code and the deduction account number.

The client 110 can be connected to the application host 120 and the financial server 150 through a wireless network, and can send data or signals to the application host 120/finance server 150, and can also receive data transmitted by the application host 120/finance server 150 Or signal. For example, the client 110 may send login data to the application host 120, may also send deduction data to the financial server 150, or may receive the transaction result sent by the financial server 150.

The client 110 is also responsible for displaying the transaction results received from the financial server 150. The transaction result displayed by the client 110 may indicate whether the electronic payment transaction performed by the client 110 through the application host 120 and the financial server 150 is successfully completed.

The client 110 can also input query data, and can send the query data to the application host 120 or the financial server 150, and can also receive and display the transaction results returned by the application host 120 or the financial server 150 that match the query data. Query data includes information that can be used to query transaction results, including but not limited to query date, account number, query identification data, etc., but this creation is not limited to this.

The application host 120 may provide the client 110 connection through a wireless network, and may also be connected to the financial server 150 through a wired or wireless network. In other words, the application host 120 can receive the data or signal sent by the client 110/finance server 150, and can also send the data or signal to the client 110/finance server 150. For example, the application host 120 may receive the login data transmitted by the client 110, may also transmit the generated write-off data to the financial server 150, or may receive the transaction result transmitted by the financial server 150.

The write-off data generated by the application host 120 may include the write-off bank code and the write-off account number. Among them, the application host 120 can generate an account for write-off according to a pre-defined rule, but this creation is not limited thereto.

In some embodiments, the application host 120 may also add all or part of the login data received from the client 110 to the write-off data, such as the identity card number, member account number, member number, etc. used as the account number in the login data; the application host 120 can also read out customer information based on the login data, and add the read customer information to the write-off data. The above customer information includes but is not limited to identity card number or name.

The application host 120 can also generate transaction records, and can store the generated transaction records in historical transaction records. The application host 120 can use one or more files or a database to store historical transaction records, but this creation is not limited to this. The transaction records generated by the application host 120 may include the identification data of the transaction item, the transaction time, the host identification data of the deduction host, the deduction data, the host identification data of the entry host, the write-off data, the transaction result, and so on. Among them, the transaction item can indicate the type of transaction, including but not limited to payment of credit card fees, payment of water/electricity fees, payment of taxes, payment of medical expenses, etc.

The transaction server 130 may be connected to the financial server 150 through a wired or wireless network, and may receive data or signals transmitted by the financial server 150, and may also transmit data or signals to the financial server 150. For example, the transaction server 130 may receive debit data and write-off data transmitted by the financial server 150, and may also transmit the generated transaction result to the financial server 150.

The transaction server 130 is also responsible for executing transactions based on the received deduction data and write-off data. For example, the transaction server 130 can select the deduction host 141 according to the debit bank code in the deduction data, and send the deduction data and the transaction amount to the deduction host 141, or according to the deduction bank code in the deduction data Select the billing host 142, and send the write-off account number and transaction amount to the billing host 142, so as to execute the transaction through the billing host 141 and the billing host 142, and receive the return from the billing host 141 and the billing host 142 Results of the.

The deduction host 141 can receive the deduction data sent by the transaction server 130 or the financial server 150, and can read out the corresponding customer retention data according to the deduction account of the deduction data and compare the customers in the deduction data Identify the data and the corresponding content in the read customer retention data to verify the deduction data. For example, the customer retention data may include the customer's personal identification number/passport number, customer name, customer gender, customer birthday, customer correspondence address, customer phone number, customer email address, etc., assuming that the customer identification data is the identity card number /Passport number, the deduction host 141 can compare whether the customer identification information and the identity card number/passport number in the customer retention information are the same. If the customer identification data is the same as the identity card number/passport number in the customer retention data, it means that the deduction data has passed verification; and if the two are different, it means that the deduction data has not passed verification.

The deduction host 141 can also receive the deduction data and transaction amount sent by the transaction server 130, and the transaction amount in the deduction data can be deducted from the deduction account recorded in the deduction data, that is, the deduction account is new Add an expense transaction that deducts the transaction amount.

The deduction host 141 may also generate a corresponding execution result (also referred to as a deduction result in this creation) after the transaction, and may return the generated execution result to the transaction server 130.

The accounting host 142 can receive the write-off data and transaction amount sent by the transaction server 130, and can read out the write-off account number from the write-off data, and increase the transaction amount in the write-off account, that is, the new account Add an account transaction with the transaction amount deposited.

The accounting host 142 can also generate a corresponding execution result (also referred to as an accounting result in this creation) after the transaction, and can send the generated accounting result back to the transaction server 130.

The financial server 150 can be connected to the application host 120 and the transaction server 130 through a wired or wireless network, and can also provide a client 110 connection through a wireless network to send data or signals to the client 110, the application host 120, or transactions The server 130 can also receive data or signals transmitted by the client 110, the application host 120, or the transaction server 130. For example, the financial server 150 may receive the write-off data transmitted by the application host 120, the deduction data transmitted by the client 110, or the transaction result transmitted by the transaction server 130.

The financial server 150 can verify the received deduction data. Generally speaking, the financial server 150 can first read out the write-off account number from the received write-off data, and can obtain the member identification code according to the rule of the application host 120 generating the write-off account number. The financial server 150 can also be deducted The customer identification data is read from the payment data, and it is compared whether the member identification code and the customer identification data are the same. If the member identification code is the same as the customer identification data, the financial server 150 can judge that the deduction data has passed the verification. If the identification data is different, the financial server 150 can determine that the deduction data has not been verified; the financial server 150 can also determine the debit host 141 based on the deduction data, for example, the debit bank code selection based on the deduction data in the deduction data The deduction host 141 can send the received customer identification data and deduction data to the deduction host 141 to verify the deduction data through the deduction host 141.

The financial server 150 is also responsible for storing the write-off account number and the received transaction result in the received write-off data. Generally speaking, the financial server 150 can generate transaction records and store the generated transaction records in historical transaction records. In addition to the transaction records generated by the financial server 150, the transaction records include identification information of transaction items, transaction time, and deduction host In addition to the host identification data, deduction data, host identification data of the entry host, write-off data, and transaction results, it may also include source identification data, that is, identification data of the application host 120 that initiated the transaction. The financial server 150 can use one or more files or a database to store historical transaction records, but this creation is not limited to this.

The financial server 150 can also read the corresponding transaction result from the historical transaction record according to the received query data, and send the read transaction result to the client 110 or the application host 120.

The financial server 150 may also set an interface account corresponding to the application host 120. The financial server 150 may receive the account number of the interface account corresponding to the application host 120 through the network, or may provide an input interface to input the account number of the interface account corresponding to the application host 120. The financial server 150 can record the identification data of the application host 120 and the account number of the interface account corresponding to the application host 120 as a piece of data, so as to set the connection account corresponding to the application host 120, but this creation is not limited to this .

The financial server 150 may also calculate the profit distribution amount corresponding to the application host 120 according to the stored historical transaction records, and is responsible for transferring the calculated profit distribution amount to the interface account corresponding to the application host 120. Different transaction records in historical transaction records may record different transaction items, different transaction times, different debiting hosts, different crediting hosts, and/or different transaction amounts. The financial server 150 may be based on the transaction records The transaction item, transaction time, deduction host, credit host, and/or transaction amount are set up to calculate the profit distribution, so as to calculate the profit of each transaction record, and calculate the sum of the profit of each transaction record as Divided amount. Among them, the profit calculation formula set by the financial server 150 may be that the transaction item is the transaction profit of the credit card fee, and the transaction item is the transaction profit of the public utility fee. 0.5 yuan; it can also be the deduction host/accounting host as the first host, the transaction profit of the transaction is 0.1% of the transaction amount; or it can be the transaction time between 2019/2/8~2019/4/13 The distribution profit of the transaction record is 1 yuan per transaction, and the distribution profit of the transaction record of the transaction time outside 2019/2/8~2019/4/13 is 0.2% of the transaction amount, etc. However, the calculation formula of the split-run mentioned in this creation is not limited to the above.

The financial server 150 can also set the weight of the split calculation formula based on the transaction item, transaction time, deduction host, and accounting host, and when a transaction record meets multiple split calculation formulas at the same time, the weight of the split calculation formula Adjust the amount of profit sharing. For example, the financial server 150 can set the weight of the transaction time to be the highest, the weight of the deduction host/accounting host to be the second, and the weight of the transaction item to be the lowest. When the transaction record meets multiple split calculation formulas at the same time, the financial server 150 can Select the highest weight in the profit calculation formula that the transaction record meets to calculate the distribution profit of the transaction record, but this creation is not limited to this.

The financial server 150 can also receive the query request sent by the management terminal 190, and can read the calculated profit amount based on the query request, and can send data/reports containing the read profit amount to the management end 190.

The management terminal 190 may provide input query data, and may generate a query request based on the input query data, or may send the generated query request to the financial server 150. The management terminal 190 may also receive the dividend amount transmitted by the financial server 150 and display the received dividend amount.

Next, an embodiment is used to explain the operation of the system of this creation, and please refer to the flow chart of providing application host interface for electronic payment as mentioned in "Figure 2A" of this creation. In this embodiment, it is assumed that the client 110 is an application installed in a mobile device.

First, the financial server 150 can provide the application host 120 interface, so that the application host 120 can provide the electronic payment service through the financial server 150. In this embodiment, it is assumed that the application host 120 provides an online insurance service, and the client 110 is an online insurance application.

When a trader wants to insure online through the client terminal 110, the client terminal 110 can provide the trader with the login data input to the application host 120, and can send the login data entered by the trader to the application host 120 (step 211), thereby logging in Application host 120. In this embodiment, it is assumed that the login data includes the member account and password.

After the login data transmitted by the client 110 passes the verification of the application host 120 so that the client 110 successfully logs in to the application host 120, the trader can operate the client 110 to select the commodity to be insured, and enter the required insurance in the client 110 After the personal data and the insurance information, you can choose the payment method. If the trader chooses the payment method of electronic payment through the client 110, the client 110 can combine the commodity identification code selected by the trader, the entered personal data and the insurance data, The identification code of the selected payment method is sent to the application host 120. After receiving the identification code of the product to be insured, the trader's personal data, the insurance data, and the identification code of the payment method, the application host 120 can determine the payment method based on the payment method. The identification code determines that the payment method is to generate write-off data when electronic payment is made, and can send the write-off data to the financial server 150 (step 215). In this embodiment, it is assumed that the application host 120 can read out the member identification code such as the member’s identification number or unified number, the member’s name and other member data according to the member account in the login data, and generate the member identification code according to a predetermined rule After the account is written off, and the transaction amount is calculated based on the commodity identification code and insurance data, the account cancellation data including the member account number, member identification code, transaction amount, and account cancellation account number is generated.

Similarly, after the client 110 successfully logs in to the application host 120, the client 110 can input the deduction data and send the deduction data to the financial server 150 (step 219). In this embodiment, the deduction data includes the deduction account number and the identity card number or unified number as the customer identification data.

After the financial server 150 receives the write-off data transmitted by the application host 120 and the debit data transmitted by the client 110, the financial server 150 may verify the debit data (step 220). In this embodiment, it is assumed that the financial server 150 can first read out the write-off account number from the write-off data, and can obtain the member identification code according to the rule of the application host 120 generating the write-off account number. After that, the financial server 150 can be deducted Read the customer identification data in the payment data, and compare whether the member identification code and the customer identification data are the same. If it is, it means that the deduction data has passed the verification. If not, it means that the deduction data has not been verified; the financial server 150 can also obtain it After the member identification code, select the deduction host 141 according to the bank code of the deduction data in the deduction data, and can send the deduction account number and member identification code to the deduction host 141, and the deduction host 141 can read according to the deduction account The customer retention data is output, and it is determined whether the customer identification data in the customer retention data is the same as the member identification code sent by the financial server 150, and the judgment result is returned to the financial server 150, so that the financial server 150 passes the debit host 141 Verify deduction information. Wherein, if the financial server 150 determines that the deduction data received from the application host 120 has not been verified, the financial server 150 may request the client 110 to re-enter the deduction data until the financial server 150 rejects the transaction.

The financial server 150 may send the received write-off data and charge data to the transaction server 130 after determining that the charge data has been verified (step 230).

After the transaction server 130 receives the write-off data and deduction data transmitted by the financial server 150, the transaction server 130 can execute the transaction according to the write-off data and the deduction data. In this embodiment, the transaction server 130 can read out the debit bank code and deduction account number from the deduction data, or read out the bank code, deduction account number, and transaction amount from the deduction data, and according to the deduction After the debiting bank code selects the deduction host 141 and the debiting bank code selects the debiting host 142, the debit account number and transaction amount are sent to the deduction host 141 and the deduction account number and transaction amount are sent to the debit host 142, so that the deduction is made The host 141 can deduct the transaction amount from the account represented by the deduction account number, and can return the deduction result to the transaction server 130, and the accounting host 141 can increase the transaction amount from the account represented by the write-off account number, and The credited result is returned to the transaction server 130.

The transaction server 130 can generate a corresponding transaction result according to the deduction result and the accounting result returned by the deduction host 141 and the accounting host 142 after executing the transaction according to the write-off data and the deduction data. The generated transaction result is transmitted to the financial server 150 (step 240). After receiving the transaction result transmitted by the transaction server 130, the financial server 150 may store the transaction data received from the application host 120 and the transaction result received from the transaction server 130 as transaction records (step 250). In this embodiment, it is assumed that the transaction records stored in the financial server 150 include transaction time, account cancellation account number, transaction item, deduction data, account entry data, transaction amount, transaction result, etc. In this way, through this creation, the financial server 150 can provide the application host 120 to interface with the financial server 150 in a simple manner, so that the application host 120 can be provided through the financial server 150 and the transaction server 130 connected to the financial server 150 The client 110 uses an electronic payment service to complete a transaction online.

In the above embodiment, after the financial server 150 stores the transaction record (step 250), the process shown in "Figure 2B" can be performed, and the client 110 can send the query data to the financial server 150 through the application host 120 (step 261 ).

After receiving the query data sent by the application host 120, the financial server 150 can read the transaction result from the transaction record according to the received query data, and send the read transaction result to the client 110 (step 265 ).

After the client 110 receives the transaction result transmitted by the financial server 150, it may display the received transaction result (step 269), so that the user of the client 110 can confirm the transaction result.

In addition, in the above embodiment, as shown in the flow of "Figure 2C", before the financial server 150 provides the application host 120 to interface with the electronic payment service (steps 211-250), it can be set with the application host 120 The corresponding interface account (step 201), and after the financial server 150 stores the transaction record (step 250), calculates the deduction amount corresponding to the application host 120 according to the stored historical transaction record (step 270). In this embodiment, it is assumed that the financial server 150 can read the transaction source of the application host 120 at a preset time agreed with the application host 120, the transaction time is within a certain time, and the transaction result indicates that the transaction history is successful. The deduction amount can be calculated based on the transaction time, transaction items, deduction data, account entry data, and/or transaction amount in each transaction record of the read historical transaction record.

After the financial server 150 calculates the deduction amount corresponding to the application host 120 according to the transaction record, it can transfer the calculated deduction amount to the interface account corresponding to the application host 120 (step 290). In this way, through the additional functions of this creation, registered members of the application host 120 can be used to pay various fees online using the electronic payment service, and business transactions of customers who provide the application host 120 are increased.

In addition, in the above embodiment, as shown in the flow of "Picture 2D", after the financial server 150 calculates the deduction amount based on the stored transaction record (step 270), the calculated deduction amount can be transmitted Go to the management terminal 190 (step 285). After receiving the profit distribution amount transmitted by the financial server 150, the management terminal 190 can display the received profit distribution amount in the form of a report (step 289), so that the operator of the management terminal can understand the customers who provide each application host 120 The amount of profit sharing.

In summary, it can be seen that the difference between this creation and the previous technology is that after the financial server provides the application host interface, the deduction data generated by the application host and the deduction data input by the client connected to the application host It is sent to the transaction server, so that the application host provides the technical means of electronic payment by the client through the financial server and the transaction server. This technical method can solve the problem that the previous technology does not provide online payment services. , To achieve the technical effect of increasing the online payment method.

In addition, the system provided by the author to provide application host interface for electronic payment can be implemented in hardware, software, or a combination of hardware and software, and can also be implemented in a centralized manner or dispersed in different components in a computer system. Decentralized implementation of several interconnected computer systems.

Although the embodiments disclosed in this creation are as above, the content described is not intended to directly limit the patent protection scope of this creation. Anyone with ordinary knowledge in the technical field to which this creation belongs, without departing from the spirit and scope disclosed in this creation, makes some modifications to the form and details of the implementation of this creation, which belongs to the patent protection of this creation range. The scope of patent protection for this creation must still be as defined in the scope of the attached patent application.

110: client 120: Application host 130: Transaction server 141: Deduction host 142: Host account 150: Financial server 190: Management side Step 201: The financial server sets the interface account corresponding to the application host Step 211: The client enters the login data and sends the login data to the application host Step 215: The application host generates the write-off data and sends the write-off data to the financial server Step 219: The client enters the deduction data and sends the deduction data to the financial server Step 220: The financial server verifies the deduction data Step 230: After the deduction data is verified, the financial server transmits the write-off data and the deduction data to the transaction server Step 240: The transaction server executes the transaction based on the write-off data and deduction data, and sends the transaction result to the financial server Step 250: The financial server stores the transaction record, the transaction record includes the write-off data and the transaction result Step 261: The client sends query data to the financial server through the application host Step 265: The financial server reads the transaction result according to the query data and sends the transaction result to the client Step 269: The client displays the transaction result Step 270: The financial server calculates the profit amount corresponding to the application host based on the historical transaction records Step 285: The financial server sends the distribution amount to the management terminal Step 289: The management terminal displays the amount of profit Step 290: The financial server transfers the profit sharing amount to the intermediary account

Figure 1 is a system architecture diagram of the application host interface provided by the creation for electronic payment. Figure 2A is a flowchart of providing an application host interface for electronic payment as mentioned in the creation. Figure 2B is a flow chart of the calculation mentioned in this creation and giving the application host a share Figure 2C is a flow chart of the query transaction results mentioned in the creation. Figure 2D is a flow chart for querying the amount of profit sharing mentioned in the creation.

110: client

120: Application host

130: Transaction server

141: Deduction host

142: Host account

150: Financial server

190: Management side

Claims (10)

A system for providing application host interface for electronic payment. The system includes at least: A client to enter a login data and a deduction data; An application host that provides the client connection to receive the login data and to generate a write-off data, which includes a write-off account number; A financial server, used to receive the write-off data transmitted by the application host, and to receive the debit data transmitted by the client, and verify the debit data; and A transaction server for receiving the write-off data and the charge data transmitted by the financial server when the charge data is verified, and for executing a transaction based on the write-off data and the charge data and generating Corresponding to a transaction result, and sending the transaction result to the financial server, so that the financial server stores a transaction record including the account cancellation account number and the transaction result. The system for providing application host interface for electronic payment as described in item 1 of the patent application scope, wherein the financial server is further used to set up an interface account corresponding to the application host, and is used to calculate and The application host corresponds to a share amount and transfers the share amount to the interface account. The system for providing an application host interface for electronic payment as described in item 1 of the patent application scope, wherein the client is further used to transmit the write-off data to the financial server through the application host, and the financial server is more useful To read the transaction result based on the write-off data, and send the transaction result to the client for display. The system for providing an application host interface for electronic payment as described in item 1 of the scope of the patent application, wherein the system further includes a management terminal for receiving the profit amount transmitted by the financial server and displaying the profit amount Run amount. The system for providing an application host interface for electronic payment as described in item 1 of the scope of the patent application, wherein the financial server is based on the transaction item, transaction time, deduction host, and/or account entry host in the transaction record Calculate the amount of profit sharing. As described in Item 1 of the patent application scope, a system for providing an application host interface for electronic payment, wherein the write-off data further includes part of the login data or customer data read by the application host based on the login data. The system for providing an application host interface for electronic payment as described in item 1 of the patent application scope, wherein the application host is further used to store the transaction record. The system for providing an application host interface for electronic payment as described in item 1 of the patent application scope, wherein the system further includes a debit host and a credit host, and the transaction server is further used to transmit the debit data The deduction data is sent to the deduction host, and the write-off data is sent to the accounting host, so that the transaction can be executed through the deduction host and the accounting host. As described in item 1 of the patent application scope, a system that provides an application host interface for electronic payment, wherein the financial server is further used to obtain a member identification code based on the write-off data and read it from the deduction data A customer identification data, and verify whether the member identification code and the customer identification data are the same to verify the deduction data. The system for providing an application host interface for electronic payment as described in item 1 of the scope of the patent application, wherein the financial server is based on the transaction items, transaction time, debit host, credit host, and/or in the transaction record Or the transaction amount is set as a calculation formula, so as to calculate the distribution profit of each transaction record, and calculate the sum of the distribution profit of each transaction record as the distribution amount.

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