WO2016019531A1 - 一种跨行收付系统及一种跨行收付方法 - Google Patents

一种跨行收付系统及一种跨行收付方法 Download PDF

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Publication number
WO2016019531A1
WO2016019531A1 PCT/CN2014/083828 CN2014083828W WO2016019531A1 WO 2016019531 A1 WO2016019531 A1 WO 2016019531A1 CN 2014083828 W CN2014083828 W CN 2014083828W WO 2016019531 A1 WO2016019531 A1 WO 2016019531A1
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WO
WIPO (PCT)
Prior art keywords
payment
client
bank
inter
information
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PCT/CN2014/083828
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
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Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2993455A priority Critical patent/CA2993455C/en
Priority to PCT/CN2014/083828 priority patent/WO2016019531A1/zh
Priority to CN201480003231.6A priority patent/CN105431871A/zh
Publication of WO2016019531A1 publication Critical patent/WO2016019531A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems

Definitions

  • the present invention relates to the field of finance, and in particular to an interbank payment system and an interbank payment method.
  • Online interbank payment is an agreement between banks (or between banks and non-bank clearing organizations).
  • the inter-bank clearing of payment instructions is transmitted or converted between multiple systems, and some processing links are required.
  • the commercial bank business personnel manually intervene, the business processing time is long, and the customer can not know the processing result of the payment service in time.
  • the People's Bank of China decided to build an online payment cross-bank clearing system.
  • the online payment cross-bank clearing system is the RMB interbank payment established by the People's Bank of China. Infrastructure is an important part of China's modern payment system.
  • the online payment cross-bank clearing system mainly supports online cross-line retail business processing, business instructions are sent one by one, real-time rolling Timed clearing. Customers can submit payment services online and get business results in real time.
  • the system supports commercial banks and non-financial payment service institutions approved by the People's Bank of China to access and provide customers with 7 x 24 hours service.
  • the technical problem to be solved by the present invention is that, in view of the above problems, the bank systems still have respective barriers and inconvenient payment between the prior art systems.
  • An interbank payment system and an interbank payment method are provided.
  • the technical solution adopted by the present invention to solve the technical problem is: constructing an interbank payment method on the one hand, providing an inter-bank payment server and a client terminal And a plurality of card issuing terminals, wherein the client terminal comprises at least one payment client and at least one payment client, and the interbank payment method comprises the following steps:
  • the payment client of the plurality of client terminals sends a payment including payment amount information to the payment client, and selecting one of the plurality of card issuing terminals as the payment account information of the payment account through the inter-bank payment server Request information;
  • the inter-bank payment server generates a payment command to send to the payment client according to the payment account information and the payment account information.
  • the card issuing terminal corresponding to the selected payment account;
  • the card issuing terminal receives the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the collection account according to the payment instruction.
  • the interbank payment method further includes:
  • the user logs in to the inter-bank payment server through the client terminal to bind the card-issuing terminal corresponding to the identity information of the user.
  • the inter-bank payment server stores the payment request information
  • the inter-bank payment server stores the payment confirmation information.
  • the method further includes:
  • step S5 the client terminal sends a query request to the inter-bank payment server;
  • the inter-bank payment server responds to the query request to query the stored payment request information, the payment confirmation information, and returns a query result to a client terminal that issues the query request.
  • the payment client further issues a plurality of service information to the payment client through the inter-bank payment server;
  • the payment client further selects at least one type of service information from the plurality of service information, and according to the selected service information. Sending payment request information to the payment client through the inter-bank payment server.
  • step S1 Establishing an instant online session between the payment client and the payment client in the inter-bank payment server, after the online session is completed, the payment client passes the inter-bank payment server Send payment request information to the receiving client.
  • a cross-bank payment method embodying the present invention has the following beneficial effects: since the inter-bank payer performs data docking with each bank backend, as long as the user enters the banking system at the initial setting, the account is bound to the inter-bank payer. Any subsequent operation only needs to enter the inter-bank payer to perform the operation on the amount stored in the bank account owned by the user, thereby realizing the operation of all bank data in the same tool without having to log in to the corresponding banking system to operate one by one. Can complete the purpose of cross-bank payment .
  • the present invention provides an interbank payment system
  • the inter-bank payment system includes an inter-bank payment server, a client terminal communicatively coupled to the inter-bank payment server, and a plurality of card-issuing terminals communicatively coupled to the inter-bank payment server
  • the client terminal includes at least one payment client and at least one payment client;
  • the payment client is configured to send, by the inter-bank payment server, payment request information including payment amount information, and selecting one of the plurality of card issuing terminals as payment account information of the payment account;
  • the payment client is configured to respond to the payment request information and return, by the inter-bank payment server, receipt confirmation information including selecting one of the plurality of card-issuing terminals as payment account information of the payment account to the Description of the payment client;
  • the inter-bank payment server includes a payment module, and the payment module is configured to generate a payment command to send to the payment client according to the payment account information and the payment account information.
  • the card issuing terminal corresponding to the selected payment account;
  • the card issuing terminal is configured to receive the payment instruction and pay an amount corresponding to the payment amount information from the payment account to the collection account according to the payment instruction.
  • the client terminal is further used to log in the interline Receiving, by the receiving and receiving server, the card issuing terminal corresponding to the identity information of the binding user;
  • the payment client is further configured to issue a plurality of service information to the payment client by using the inter-bank payment server;
  • the payment client is further configured to select at least one type of service information from the plurality of service information, and according to the selected service information. Sending payment request information to the payment client through the inter-bank payment server.
  • the inter-bank payment server further includes a storage module and a query module;
  • the storage module is configured to store the payment request information and the payment confirmation information
  • the query module is configured to query the stored payment request information, the payment confirmation information, and return a query result to the client terminal that sends the query request, in response to the query request;
  • the client terminal is further configured to issue the query request to the inter-bank payment server.
  • the inter-bank payment server further includes an online session module, and the online module is configured to establish an instant online session between the client terminals.
  • An inter-bank payment system embodying the present invention has the following beneficial effects: all bank data can be operated in the same tool without having to log in to the corresponding banking system to complete the inter-bank payment.
  • FIG. 1 is a flowchart of a method for a cross-line payment method according to a first embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a cross-line payment system according to a first embodiment of the present invention
  • FIG. 3 is a flowchart of a method for a cross-line payment method according to a second embodiment of the present invention.
  • FIG. 4 is a flow chart of information flow between client terminals according to a second embodiment of the present invention.
  • FIG. 5 is a flowchart of a method for a cross-line payment method according to a third embodiment of the present invention.
  • FIG. 6 is a flowchart of information flow between client terminals according to a fourth embodiment of the present invention.
  • FIG. 7 is a flowchart of information flow between client terminals according to a fifth embodiment of the present invention.
  • the invention provides an interbank payment system and an interbank payment method, which are established
  • the inter-bank payment server and the card issuing terminal in the background of each bank in the banking system perform data docking, that is, the inter-bank receiving and receiving server is connected to the card issuing terminal, as long as the user (ie, the client terminal 1)
  • the bank account is connected to the inter-bank payment server, and the corresponding bank account is bound to the inter-bank payment server. Any subsequent operation only needs to enter the inter-bank payment device to store the account in the bank account owned by the user.
  • the amount is operated and executed. If it is a credit card, it can operate within the credit limit of the card. If it is a debit card, the balance of the card can be operated.
  • the system and method are implemented in the same tool. Operate all bank data without having to log in to the corresponding banking system to complete the purpose of cross-bank payment, and also publish business information to perform the collection operation, achieving the purpose of realizing the combination of buying and selling and receiving and paying within the same tool. .
  • the inter-bank payment method provides an inter-bank payment server, a client terminal, and a plurality of card issuing terminals
  • the client terminal includes at least one payment client and at least one payment client
  • the inter-bank payment method includes the following steps:
  • the payment client of the plurality of client terminals sends a payment including payment amount information to the payment client, and selecting one of the plurality of card issuing terminals as the payment account information of the payment account through the inter-bank payment server Request information;
  • the inter-bank payment server generates a payment command to send to the payment client according to the payment account information and the payment account information.
  • the card issuing terminal corresponding to the selected payment account;
  • the card issuing terminal receives the payment instruction and pays an amount corresponding to the payment amount information from the payment account to the collection account according to the payment instruction.
  • FIG. 2 is a schematic structural diagram of a cross-line payment system according to a first embodiment of the present invention.
  • the present invention provides An inter-bank payment system, comprising: an inter-bank payment server 2, a plurality of client terminals 1 communicatively coupled to the inter-bank payment server 2, and the inter-bank payment server 2 A plurality of card issuing terminals 3 communicatively connected, wherein a plurality of card issuing terminals 3 are disposed in a plurality of different issuing banks (banks) to operate data of different card issuing lines.
  • Client Terminal 1 It can be a mobile terminal, or a laptop computer or a fixed computer device.
  • the client terminal 1 can implement the inter-bank payment server by installing corresponding software on the mobile terminal or the computer device.
  • Communication if it is a mobile terminal, can be connected to a nearby base station through a wireless network, and then connected to the inter-bank payment server 2 through the base station, and if it is a fixed computer device, can be connected to the inter-bank payment server via the Internet 2 .
  • the card issuing terminal 3 is installed in the bank back-end server and connected to the inter-bank payment server 2 through a specific network connection, and can read the account fund data, but the inter-bank payment server 2 There is no flow of funds between the card issuing terminal and the card issuing terminal.
  • Each of the plurality of client terminals 1 is bound to the plurality of card issuing terminals according to the plurality of bank card numbers in the inter-bank payment server.
  • customer terminal 1 It is not limited to bind the bank card number, and can also bind personal information to the inter-bank payment server. The user obtains his personal account information in multiple banks through the inter-bank payment server, and operates multiple personal accounts on the inter-bank payment server.
  • the information reaches the purpose of cross-bank payment; the user is at the client terminal 1 inputting bank card information of a plurality of different issuing banks, binding the bank card information with user identity information, and transmitting the bank card information bound to the user identity information to the inter-bank payment Server 2
  • the card issuing terminal 3 may also be bound by ID card authentication or other means; the inter-banking payment server 2 is from the plurality of card issuing terminals according to the bank card information.
  • the identity information refers to the identity information of the user who logs in to the inter-bank payment server 2 through the client terminal 1, by which the user can collect the server in the inter-bank. Enter the bank card number and password of different banks, different account holders, and bind the entered bank card information with the identity information, then the user of 'Zhang San' can operate multiple bank cards, for example, Zhang San is in his account. Bind your own bank card, and also binds Li Si’s bank card. After Zhang San’s login to his account in the inter-bank payment server, he can not only operate the account funds of his own bank card, but also You can operate the account funds of the bundled Li Si bank card.
  • the present invention provides an inter-bank payment system
  • the inter-bank payment system includes an inter-bank payment server, a client terminal communicatively coupled to the inter-bank payment server, and a plurality of card-issuing terminals communicatively coupled to the inter-bank payment server
  • the client terminal includes at least one payment client and at least one payment client
  • the payment client is configured to send, by the inter-bank payment server, payment request information including payment amount information, and selecting one of the plurality of card issuing terminals as payment account information of the payment account;
  • the payment client is configured to respond to the payment request information and return, by the inter-bank payment server, receipt confirmation information including selecting one of the plurality of card-issuing terminals as payment account information of the payment account to the a payment client;
  • the inter-bank payment server includes a payment module, and the payment module is configured to generate a payment command according to the payment account information and payment account information, and send the Payment client And the card issuing terminal corresponding to the selected payment account;
  • the card issuing terminal is configured
  • FIG. 3 is a flow chart of a method for a cross-line payment method according to a second embodiment of the present invention, as shown in FIG. 3, which uses FIG. 2
  • An inter-bank payment system is provided, which is different from the first embodiment in the flow of subdividing payment request information and payment confirmation information.
  • the method specifically includes the following steps:
  • each of the plurality of client terminals 1 is in the inter-bank payment server 2 Binding the plurality of card issuing terminals 3 according to a plurality of bank card numbers;
  • the payment client 11 of the plurality of client terminals 1 passes the inter-bank payment server 2 to the payment client 12 Issue payment request information;
  • the payment client 12 responds to the payment request information and passes the inter-bank payment server 2 Returning payment confirmation information to the payment client 11;
  • the payment client 11 After receiving the payment confirmation information, the amount information corresponding to the payment amount is formed, and the amount information is sent to the collection client 12 through the inter-bank payment server 2;
  • the payment client 12 selects the plurality of card issuing terminals bound by itself after confirming the amount information.
  • the payment client 11 receives the payment account information and selects a plurality of the card issuing terminals that are bound by itself.
  • One of the card issuing terminals 3 as a payment account, and the payment account is composed of payment account information and the payment account information and payment account information are sent to the inter-bank payment server 2; as shown in FIG. 3, FIG.
  • the flowchart of the flow of information between the client terminals provided by the second embodiment of the present invention clears the flow of information between the client terminals 1 in steps S200 to S205.
  • the inter-bank payment server 2 Sending a payment command to the card issuing terminal 3 corresponding to the payment account information according to the payment account information and the payment account information;
  • the card issuing terminal 33 After receiving the payment command, the payment amount corresponding to the amount information is sent to the card issuing terminal 33 corresponding to the receiving account according to the payment command.
  • the beneficial effect of this embodiment is that the user enters the banking system at the initial setting to bind the account with the inter-bank payer, and any subsequent operations only need to enter the inter-bank payer, and select a personal account to have an account for each account.
  • the bank balance is operated and implemented, realizing the operation of all bank data in the same tool without having to log in to each specific banking system for one-by-one operation.
  • FIG. 5 is a flow chart of a cross-line payment method according to a third embodiment of the present invention, as shown in FIG. 5
  • the embodiment is different from the second embodiment in that the inter-bank payment server 2 further stores the payment request information and the payment confirmation information, so that the client terminal can query the corresponding information, and the specific ,
  • the method includes the following steps:
  • each of the plurality of client terminals 1 is in the inter-bank payment server 2 Binding the plurality of card issuing terminals 3 according to a plurality of bank card numbers;
  • the payment client 11 of the plurality of client terminals 1 passes the inter-bank payment server 2 to the payment client 12
  • the payment request information is issued; in the step S1, the inter-bank payment server 2 stores the payment request information.
  • the payment client 12 responds to the payment request information and passes the inter-bank payment server 2 Returning payment confirmation information to the payment client 11; the inter-bank payment server 2 stores the payment confirmation information.
  • the payment client 11 After receiving the payment confirmation information, the amount information corresponding to the payment amount is formed, and the amount information is sent to the collection client 12 through the inter-bank payment server 2; the inter-bank payment server 2 The amount information is stored.
  • the payment client 12 selects the plurality of card issuing terminals bound by itself after confirming the amount information.
  • One of the card issuance terminals 3 as a collection account, and the collection account is composed of the collection account information and the collection account information is sent to the payment client through the interbank payment server 2
  • the inter-bank payment server 2 stores the payment account information.
  • the payment client 11 receives the payment account information and selects a plurality of the card issuing terminals that are bound by itself.
  • One of the card issuing terminals 3 as a payment account, and the payment account is composed of payment account information and the payment account information and payment account information are transmitted to the inter-bank payment server 2; the inter-bank payment server 2 The payment account information is stored.
  • the inter-bank payment server 2 A storage unit is further included, and the storage unit is configured to store the payment request information, the payment confirmation information, the amount information, the collection account information, and the payment account information.
  • the card issuing terminal 3 After receiving the payment command, the payment amount corresponding to the amount information is sent to the card issuing terminal 3 corresponding to the receiving account according to the payment command.
  • the payment client 11 of the plurality of client terminals sends a query request to the inter-bank payment server 2;
  • the inter-bank payment server 2 Responding to the query request to query the stored payment request information, the payment confirmation information, the amount information, the payment account information, the payment account information, and to the customer who issues the inquiry request
  • the terminal returns the query result.
  • the query unit is configured to query the payment request information, the payment confirmation information, the amount information, and the collection account information stored in the storage unit in response to the query request And the payment account information, and returning the query result to the client terminal that issues the query request.
  • the beneficial effect of this embodiment is that the inter-bank payer operator performs the payment and collection operation for different amounts of money and performs the payment and collection inquiry operation in the same tool by storing the inter-bank payment process information.
  • FIG. 6 is a flowchart of information flow between client terminals according to a fourth embodiment of the present invention, as shown in FIG. 6 As shown, the embodiment is different from the second embodiment in that an online session can be established in the process of inter-bank payment to improve the security of the transaction. Specifically, the process includes the following steps:
  • each of the plurality of client terminals is in the inter-bank payment server 2
  • the plurality of card issuing terminals 3 are bound according to a plurality of bank card numbers; and the receiving client 12 also passes the inter-banking payment server 2 to the payment client 11 Publish a variety of business information.
  • business information includes installment payments, one-time payments, and the like.
  • the payment client 11 of the plurality of client terminals passes the inter-bank payment server 2 to the payment client 12 Sending payment request information; the payment client 11 further selecting one of the plurality of service information, and using the one of the service information to pass through the inter-bank payment server 2 to the payment client 12 Issue payment request information. For example, if the user selects installment payment, the payment amount can be paid in installments to the collection account.
  • the payment client 12 responds to the payment request information and passes the inter-bank payment server 2 Return payment confirmation information to the payment client 11 .
  • the payment client 11 After receiving the payment confirmation information, the amount information corresponding to the payment amount is formed, and the amount information is sent to the payment client 12 through the inter-bank payment server 2.
  • the payment client 12 selects the plurality of card issuing terminals bound by itself after confirming the amount information.
  • One of the card issuance terminals 3 serves as a collection account, and the collection account is composed of the collection account information and the collection account information is transmitted to the payment client 11 through the interbank payment server 2.
  • the payment client 11 receives the payment account information and selects a plurality of the card issuing terminals that are bound by itself.
  • One of the card issuing terminals 3 serves as a payment account, and forms the payment account into payment account information and transmits the payment account information and payment account information to the inter-bank payment server 2.
  • the beneficial effect of this embodiment is that the types of payment between the client terminals are enriched, and the private transactions between the client terminals are more convenient.
  • FIG. 7 is a flowchart of information flow between client terminals according to a fifth embodiment of the present invention, as shown in FIG. 7 As shown, this embodiment differs from the second embodiment in that the instant online session function is added, and the process includes the following steps:
  • each of the plurality of client terminals is in the inter-bank payment server 2
  • the plurality of card issuing terminals 3 are bound according to a plurality of bank card numbers.
  • the payment client 11 also passes the inter-bank payment server 2 and the payment client 12 Establishing an instant online session through the inter-bank payment server 2 to the payment client 12 after the online session is completed 12 Issue payment request information.
  • the two client terminals of the transaction can follow up the business through the instant online session, and the payment receiving operation is generated by keeping the contact online.
  • the payment request is started.
  • the payment client 12 responds to the payment request information and passes the inter-bank payment server 2 Return payment confirmation information to the payment client 11 .
  • the payment client 11 After receiving the payment confirmation information, the amount information corresponding to the payment amount is formed, and the amount information is sent to the payment client 12 through the inter-bank payment server 2.
  • the payment client 12 selects the plurality of card issuing terminals bound by itself after confirming the amount information.
  • One of the card issuance terminals 3 serves as a collection account, and the collection account is composed of the collection account information and the collection account information is transmitted to the payment client 11 through the interbank payment server 2.
  • the payment client 11 receives the payment account information and selects a plurality of the card issuing terminals that are bound by itself.
  • One of the card issuing terminals 3 serves as a payment account, and forms the payment account into payment account information and transmits the payment account information and payment account information to the inter-bank payment server 2.
  • the beneficial effect of implementing the embodiment is that, by establishing an instant online session for business contact, the two parties confirm the payment and collection service and start the payment collection operation, thereby improving the security of the payment collection operation.

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Abstract

本发明公开了一种跨行收付系统及一种跨行收付方法，该方法包括： S1、付款客户端向收款客户端发出付款请求信息； S2、收款客户端返回收款确认信息至付款客户端； S3、跨行收付服务器生成付款命令发送至对应的发卡终端； S4、发卡终端从付款账户支付金额至收款账户。实施本发明的有益效果是，在同一个工具内操作所有银行数据而无须登陆相应的银行系统逐一操作即可完成跨行收付操作。

Description

一种跨行收付系统及一种跨行收付方法 技术领域
本发明涉及金融领域，尤其涉及 一种跨行收付系统及一种跨行收付方法 。
背景技术
网上跨行支付属于银行间（或银行与非银行清算组织间）的协议行为，当收付款人不在同一家银行开户时，支付指令的跨行清算通过多个系统间传输或转换，有些处理环节还需商业银行业务人员手工干预，业务处理时间较长，客户也不能及时了解支付业务的处理结果。为提高网上支付的跨行清算效率，提升商业银行的网银服务水平，更好地履行中央银行的支付清算职责，人民银行决定建设网上支付跨行清算系统。
网上支付跨行清算系统是 中国人民银行 建设的人民币跨行支付 清算 基础设施，是中国现代化支付系统的重要组成部分。网上支付跨行清算系统主要支持网上跨行 零售 业务的处理，业务指令逐笔发送、实时 轧差 、定时清算。客户可通过在线方式提交支付业务，并可实时获取业务处理结果。系统支持 商业银行 以及经中国人民银行批准的非金融支付服务机构接入，并向客户提供 7×24 小时全天候服务。
由此可知，现有付款实现方式已经给用户提供了良好的付款体验，并且正在逐步变得更快捷方便，但各银行系统之间仍然有各自的壁垒，付款者如果在不同银行拥有账户，需要登陆不同银行系统进行付款操作。
发明内容
本发明要解决的技术问题在于，针对上述现有技术中各银行系统之间仍然有各自的壁垒、不方便付款的问题，提供 一种跨行收付系统及一种跨行收付方法 。
本发明解决其技术问题所采用的技术方案是：一方面构造 一种跨行收付方法，提供跨行收付服务器、客户终端 、以及多个发卡终端 ，其中，所述客户终端包括至少一个付款客户端和至少一个收款客户端，所述跨行收付方法包括以下步骤：
S1 、 所述多个客户终端中的付款客户端通过所述跨行收付服务器向收款客户端发出包括付款金额信息、以及选取所述多个发卡终端的其中之一作为付款账户的付款账户信息的付款请求信息；
S2 、所述收款客户端响应所述付款请求信息并通过所述跨行收付服务器返回包括选取所述多个发卡终端的其中之一作为付款账户的收款账户信息的收款确认信息至所述付款客户端；
S3 、所述跨行收付服务器依据所述收款账户信息以及付款账户信息，生成付款命令发送至所述 付款客户端 所选取的付款账户对应的发卡终端；
S4 、所述发卡终端接收所述付款指令并依据所述付款指令从所述付款账户支付与所述付款金额信息对应的金额至所述收款账户。
在本发明所述的跨行收付方法中，所述跨行收付方法还包括：
S0 、用户通过所述客户终端登陆所述跨行 收付服务器以绑定所述用户的身份信息对应的所述发卡终端。
在本发明所述的跨行收付方法中，在所述步骤 S1 中，所述跨行收付服务器存储所述付款请求信息；
在所述步骤 S2 中，所述跨行收付服务器存储所述收款确认信息。
在本发明所述的跨行收付方法中，所述方法还包括：
S5 、在步骤 S4 之后，所述客户终端向所述跨行收付服务器发出查询请求；
S6 、所述跨行收付服务器响应所述查询请求以查询所存储的所述付款请求信息、所述收款确认信息，并向发出所述查询请求的客户终端返回查询结果。
在本发明所述的跨行收付方法中， 在所述步骤 S0 中，所述收款客户端还通过所述跨行收付服务器向所述付款客户端发布多种业务信息；
在所述步骤 S1 中，所述付款客户端还从所述多种业务信息中选择至少一种业务信息，并依据所选择的业务信息 通过所述跨行收付服务器向收款客户端发出付款请求信息 。
在本发明所述的跨行收付方法中，在所述步骤 S1 中，在所述跨行收付服务器中建立所述付款客户端与所述收款客户端之间的即时在线会话，在所述即使在线会话完成后所述付款客户端通过所述跨行收付服务器向收款客户端发出付款请求信息。
实施本发明的一种跨行收付方法，具有以下有益效果：由于跨行收付器与各家银行后台进行了数据对接，只要用户在初始设置时进入银行系统把账号与跨行收付器绑定后，后续做任何操作只需要进入跨行收付器即可对用户所拥有银行账户中所存储的金额进行操作执行，实现了在同一个工具内操作所有银行数据而无须登陆相应的银行系统逐一操作即可完成跨行收付的目的 。
另一方面，本发明提供 一种跨行收付系统 ，所述 跨行收付系统包括跨行收付服务器、与所述跨行收付服务器通信连接的客户终端 、以及与所述跨行收付服务器通信连接的多个发卡终端 ，所述客户终端包括至少一个付款客户端和至少一个收款客户端 ；
所述付款客户端用于通过所述跨行收付服务器向收款客户端发出包括付款金额信息、以及选取所述多个发卡终端的其中之一作为付款账户的付款账户信息的付款请求信息；
所述收款客户端用于响应所述付款请求信息并通过所述跨行收付服务器返回包括选取所述多个发卡终端的其中之一作为付款账户的收款账户信息的收款确认信息至所述付款客户端；
所述跨行收付服务器包括付款模块，所述付款模块用于依据所述收款账户信息以及付款账户信息，生成付款命令发送至所述 付款客户端 所选取的付款账户对应的发卡终端；
所述发卡终端用于接收所述付款指令并依据所述付款指令从所述付款账户支付与所述付款金额信息对应的金额至所述收款账户。
在本发明所述的跨行收付系统中，所述客户终端还用于登陆所述跨行 收付服务器以绑定用户的身份信息对应的所述发卡终端；
所述 收款客户端还用于通过所述跨行收付服务器向所述付款客户端发布多种业务信息；
所述付款客户端还用于从所述多种业务信息中选择至少一种业务信息，并依据所选择的业务信息 通过所述跨行收付服务器向收款客户端发出付款请求信息 。
在本发明所述的跨行收付系统中，所述跨行收付服务器还包括存储模块以及查询模块；
所述存储模块用于存储所述付款请求信息以及所述收款确认信息；
所述查询模块用于响应查询请求以查询所存储的所述付款请求信息、所述收款确认信息，并向发出所述查询请求的客户终端返回查询结果；
所述客户终端还用于向所述跨行收付服务器发出所述查询请求。
在本发明所述的跨行收付系统中，所述跨行收付服务器还包括在线会话模块，所述在线模块用于建立所述客户终端之间的即时在线会话。
实施本发明的一种跨行收付系统，具有以下有益效果：在同一个工具内操作所有银行数据而无须登陆相应的银行系统逐一操作即可完成跨行收付。
附图说明
下面将结合附图及实施例对本发明作进一步说明，附图中：
图1为本发明第一实施例提供的一种跨行收付方法的方法流程图；
图2为本发明第一实施例提供的一种跨行收付系统的结构示意图；
图3为本发明第二实施例提供的一种跨行收付方法 的 方法流程 图；
图4为 本发明第二实施例提供的客户终端之间信息流向的流程图；
图5为 本发明第三实施例提供的一种跨行收付方法 的 方法流程 图；
图6为本发明 第四实施例提供的客户终端之间信息流向的流程图；
图7为本发明第五实施例提供的客户终端之间信息流向的流程图。
具体实施方式
为了对本发明的技术特征、目的和效果有更加清楚的理解，现对照附图详细说明本发明的具体实施方式。
本发明提供了 一种跨行收付系统及一种跨行收付方法 ，通过建立 跨行收付服务器与银行系统中各家银行后台的发卡终端进行数据对接，即跨行收付服务器连接至发卡终端，只要用户（即客户终端 1 ）在执行跨行收付操作前进入该跨行收付服务器把相应的银行账号与跨行收付服务器绑定，后续做任何操作只需要进入跨行收付器即可对用户所拥有银行账户中所存储的金额进行操作执行，如果是信用卡，可以在该卡的信用额度范围内的资金进行操作，如果是借记卡，则可以对该卡的余额进行操作，该系统及方法实现了在同一个工具内操作所有银行数据而无须登陆相应的银行系统逐一操作即可完成跨行收付的目的，同时还可以发布业务信息从而执行收款操作，实现了在同一个工具内实现买卖与收付款相结合的目的。
图 1 为 本发明第一实施例提供的 一种跨行收付方法 的 方法流程 图，如图 1 所示， 该跨行收付方法提供跨行收付服务器、客户终端 、以及多个发卡终端 ，其中，所述客户终端包括至少一个付款客户端和至少一个收款客户端，所述跨行收付方法包括以下步骤：
S1 、 所述多个客户终端中的付款客户端通过所述跨行收付服务器向收款客户端发出包括付款金额信息、以及选取所述多个发卡终端的其中之一作为付款账户的付款账户信息的付款请求信息；
S2 、所述收款客户端响应所述付款请求信息并通过所述跨行收付服务器返回包括选取所述多个发卡终端的其中之一作为付款账户的收款账户信息的收款确认信息至所述付款客户端；
S3 、所述跨行收付服务器依据所述收款账户信息以及付款账户信息，生成付款命令发送至所述 付款客户端 所选取的付款账户对应的发卡终端；
S4 、所述发卡终端接收所述付款指令并依据所述付款指令从所述付款账户支付与所述付款金额信息对应的金额至所述收款账户。
图 2 为本发明第一实施例提供的 一种跨行收付系统的结构 示意图，如图 2 所示，本发明提供 一种跨行收付系统 ，所述 跨行收付系统包括跨行收付服务器 2 、与所述跨行收付服务器 2 通信连接的多个客户终端 1 、以及与所述跨行收付服务器 2 通信连接的多个发卡终端 3 ，其中，多个发卡终端 3 设置于多个不同的发卡行（银行）中，从而对不同发卡行的数据进行操作。参见图 2 ，客户终端 1 可以是移动终端，也可以是笔记本电脑或者固定的计算机设备，客户终端 1 可以通过在上述移动终端或者计算机设备安装相应的软件以实现与跨行收付服务器 2 通讯，如果是移动终端，那么可以通过无线网络连接至附近基站，再通过基站与跨行收付服务器 2 连接，如果是固定的计算机设备，可以通过互联网连接至跨行收付服务器 2 。发卡终端 3 安装于银行后台服务器中并与跨行收付服务器 2 通过特定的网络连接，可以读取账户资金数据，但跨行收付服务器 2 与发卡终端之间并不产生资金流动。
所述多个客户终端 1 中的每一客户终端均于所述跨行收付服务器中依据多个银行卡号绑定所述多个发卡终端 3 ，此处客户终端 1 并不限定绑定银行卡号，还可以绑定个人信息至跨行收付服务器，用户通过跨行收付服务器获取其在多个银行中的个人账户信息，通过在跨行收付服务器上操作多个个人账户信息达到跨行收付的目的；用户在所述客户终端 1 上输入多个不同发卡行的银行卡信息，将所述银行卡信息与用户身份信息绑定，并将与所述用户身份信息绑定后的所述银行卡信息发送至所述跨行收付服务器 2 ，还可通过身份证认证或其他的方式绑定发卡终端 3 ；所述跨行收付服务器 2 依据所述银行卡信息从所述多个发卡终端 3 获取对应的多个账户资金信息；例如，张三登陆跨行收付服务器 2 后，输入建设银行卡号与登陆密码、招商银行卡号与登陆密码、工商银行卡号与登陆密码，如下表：
身份信息 开户人 发卡行 银行卡号 登陆密码
张三 张三 建设银行 XXXX ******
张三 张三 招商银行 XXXX ******
张三 李四 工商银行 XXXX ******
于是，张三所使用的客户终端 1 便绑定了包括建设银行、招商银行和工商银行的发卡终端 3 ，其中，身份信息是指通过客户终端 1 登陆跨行收付服务器 2 的用户的身份信息，通过该身份信息用户可以在跨行收付服务器 2 输入不同银行，不同开户人的银行卡号及密码，并将所输入的银行卡信息与身份信息绑定，那么'张三'这个用户就可以操作多张银行卡，例如，张三在自己的账号绑定自己的银行卡同时，还绑定了李四的银行卡，那么张三在所述跨行收付服务器中登陆自己的账号后，不仅可以操作所绑定的自己银行卡的账户资金，还可以操作所绑定的李四银行卡的账户资金。
如图 2 所示， 本发明提供 一种跨行收付系统 ，所述 跨行收付系统包括跨行收付服务器、与所述跨行收付服务器通信连接的客户终端 、以及与所述跨行收付服务器通信连接的多个发卡终端 ，所述客户终端包括至少一个付款客户端和至少一个收款客户端 ；所述付款客户端用于通过所述跨行收付服务器向收款客户端发出包括付款金额信息、以及选取所述多个发卡终端的其中之一作为付款账户的付款账户信息的付款请求信息；所述收款客户端用于响应所述付款请求信息并通过所述跨行收付服务器返回包括选取所述多个发卡终端的其中之一作为付款账户的收款账户信息的收款确认信息至所述付款客户端；所述跨行收付服务器包括付款模块，所述付款模块用于依据所述收款账户信息以及付款账户信息，生成付款命令发送至所述 付款客户端 所选取的付款账户对应的发卡终端；所述发卡终端用于接收所述付款指令并依据所述付款指令从所述付款账户支付与所述付款金额信息对应的金额至所述收款账户。
图 3 为本发明第二实施例提供的 一种跨行收付方法 的 方法流程 图，如图 3 所示，该方法采用图 2 提供的一种 跨行收付系统，该实施例不同于第一实施例之处在于细分付款请求信息以及收款确认信息的流程。该方法具体包括以下步骤：
S200 、 所述多个客户终端 1 中的每一客户终端 1 均于所述跨行收付服务器 2 中依据多个银行卡号绑定所述多个发卡终端 3 ；
S201 、 所述多个客户终端 1 中的付款客户端 11 通过所述跨行收付服务器 2 向收款客户端 12 发出付款请求信息；
S202 、所述收款客户端 12 响应所述付款请求信息并通过所述跨行收付服务器 2 返回收款确认信息至所述付款客户端 11 ；
S203 、所述付款客户端 11 接收所述收款确认信息后组成与付款金额对应的金额信息，并将所述金额信息通过所述跨行收付服务器 2 发送至所述收款客户端 12 ；
S204 、所述收款客户端 12 确认所述金额信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为收款账户，并将所述收款账户组成收款账户信息且将所述收款账户信息通过所述跨行收付服务器 2 发送至所述付款客户端 11 ；
S205 、所述付款客户端 11 接收收款账户信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为付款账户，并将所述付款账户组成付款账户信息且将所述收款账户信息以及付款账户信息发送至所述跨行收付服务器 2 ；如图 3 所示，图 4 为 本发明第二实施例提供的 客户终端之间信息流向的流程图， 将步骤 S200 至 S205 中客户终端 1 之间的信息流向展现地更加清晰。
S206 、所述跨行收付服务器 2 依据所述收款账户信息以及付款账户信息发送付款命令至与所述付款账户信息对应的发卡终端 3 ；
S207 、所述发卡终端 33 接收到所述付款命令后依据所述付款命令发送与所述金额信息对应的所述付款金额至与所述收款账户对应的发卡终端 33 。
该实施例的有益效果在于，用户在初始设置时进入银行系统把账号与跨行收付器绑定后，后续做任何操作只需要进入跨行收付器，选择个人账户即可对各家拥有账号的银行余额进行操作执行，实现了在同一个工具内操作所有银行数据而无须登陆每个特定银行系统去逐一操作的目的。
图 5 为 本发明第三实施例提供的 一种跨行收付方法 的 方法流程 图 ，如图 5 所示，该实施例不同于第二实施例之处在于， 所述跨行收付服务器 2 还存储所述付款请求信息、所述收款确认信息，从而方便客户终端查询相对应的信息，具体的， 该方法包括以下步骤：
S300 、 所述多个客户终端 1 中的每一客户终端均于所述跨行收付服务器 2 中依据多个银行卡号绑定所述多个发卡终端 3 ；
S301 、 所述多个客户终端 1 中的付款客户端 11 通过所述跨行收付服务器 2 向收款客户端 12 发出付款请求信息；在所述步骤 S1 中，所述跨行收付服务器 2 存储所述付款请求信息。
S302 、所述收款客户端 12 响应所述付款请求信息并通过所述跨行收付服务器 2 返回收款确认信息至所述付款客户端 11 ；所述跨行收付服务器 2 存储所述收款确认信息。
S303 、所述付款客户端 11 接收所述收款确认信息后组成与付款金额对应的金额信息，并将所述金额信息通过所述跨行收付服务器 2 发送至所述收款客户端 12 ；所述跨行收付服务器 2 存储所述金额信息。
S304 、所述收款客户端 12 确认所述金额信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为收款账户，并将所述收款账户组成收款账户信息且将所述收款账户信息通过所述跨行收付服务器 2 发送至所述付款客户端 11 ；所述跨行收付服务器 2 存储所述收款账户信息。
S305 、所述付款客户端 11 接收收款账户信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为付款账户，并将所述付款账户组成付款账户信息且将所述收款账户信息以及付款账户信息发送至所述跨行收付服务器 2 ；所述跨行收付服务器 2 存储所述付款账户信息。所述跨行收付服务器 2 还包括存储单元，所述存储单元用于存储所述付款请求信息、所述收款确认信息、所述金额信息、所述收款账户信息、所述付款账户信息。
S306 、所述跨行收付服务器 2 依据所述收款账户信息以及付款账户信息发送付款命令至与所述付款账户信息对应的发卡终端 3 ；
S307 、所述发卡终端 3 接收到所述付款命令后依据所述付款命令发送与所述金额信息对应的所述付款金额至与所述收款账户对应的发卡终端 3 。
S308 、所述多个客户终端中的付款客户端 11 向所述跨行收付服务器 2 发出查询请求；
S309 、所述跨行收付服务器 2 响应所述查询请求以查询所存储的所述付款请求信息、所述收款确认信息、所述金额信息、所述收款账户信息、所述付款账户信息，并向发出所述查询请求的客户终端返回查询结果。通过在跨行收付服务器 2 中设置查询单元，所述查询单元用于响应所述查询请求以查询所述存储单元中所存储的所述付款请求信息、所述收款确认信息、所述金额信息、所述收款账户信息、所述付款账户信息，并向发出所述查询请求的客户终端返回查询结果。
该实施例的有益效果在于，通过存储跨行收付的过程信息实现跨行收付器操作者在同一个工具内针对不同金额进行收付款操作以及进行收付款查询操作。
图 6 为本发明 第四实施例提供的 客户终端之间信息流向的流程图，如图 6 所示，该实施例不同于第二实施例之处在于，在跨行收付的过程中可以建立即时在线会话以提高交易的安全性，具体的，该流程包括以下步骤：
S400 、 所述多个客户终端中的每一客户终端均于所述跨行收付服务器 2 中依据多个银行卡号绑定所述多个发卡终端 3 ；同时 所述收款客户端 12 还通过所述跨行收付服务器 2 向所述付款客户端 11 发布多种业务信息。例如，业务信息包括分期付款、一次付款等等。
S401 、 所述多个客户终端中的付款客户端 11 通过所述跨行收付服务器 2 向收款客户端 12 发出付款请求信息； 所述付款客户端 11 还从所述多种业务信息中选择其中一种业务信息，并依据所述其中一种业务信息 通过所述跨行收付服务器 2 向收款客户端 12 发出付款请求信息 。例如用户选择分期付款，则可以将付款金额分期支付至收款账户中。
S402 、所述收款客户端 12 响应所述付款请求信息并通过所述跨行收付服务器 2 返回收款确认信息至所述付款客户端 11 。
S403 、所述付款客户端 11 接收所述收款确认信息后组成与付款金额对应的金额信息，并将所述金额信息通过所述跨行收付服务器 2 发送至所述收款客户端 12 。
S404 、所述收款客户端 12 确认所述金额信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为收款账户，并将所述收款账户组成收款账户信息且将所述收款账户信息通过所述跨行收付服务器 2 发送至所述付款客户端 11 。
S405 、所述付款客户端 11 接收收款账户信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为付款账户，并将所述付款账户组成付款账户信息且将所述收款账户信息以及付款账户信息发送至所述跨行收付服务器 2 。
该实施例的有益效果在于，丰富了客户终端之间的付款种类，使客户终端之间进行私下交易更加简便。
图 7 为本发明第五实施例提供的 客户终端之间信息流向的流程图，如图 7 所示，该实施例不同于第二实施例的有益效果在于添加了即时在线会话功能，该流程包括以下步骤：
S500 、 所述多个客户终端中的每一客户终端均于所述跨行收付服务器 2 中依据多个银行卡号绑定所述多个发卡终端 3 。
S501 、 所述付款客户端 11 还通过所述跨行收付服务器 2 与所述收款客户端 12 建立即时在线会话，在所述即使在线会话完成后通过所述跨行收付服务器 2 向收款客户端 12 发出付款请求信息。例如，交易的两个客户终端可以通过即时在线会话跟进业务，通过在线保持联系的方式产生本次付款收款操作，当在线会话达成一致后，开始发出付款请求。
S502 、所述收款客户端 12 响应所述付款请求信息并通过所述跨行收付服务器 2 返回收款确认信息至所述付款客户端 11 。
S503 、所述付款客户端 11 接收所述收款确认信息后组成与付款金额对应的金额信息，并将所述金额信息通过所述跨行收付服务器 2 发送至所述收款客户端 12 。
S504 、所述收款客户端 12 确认所述金额信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为收款账户，并将所述收款账户组成收款账户信息且将所述收款账户信息通过所述跨行收付服务器 2 发送至所述付款客户端 11 。
S505 、所述付款客户端 11 接收收款账户信息后选取自身所绑定的多个所述发卡终端 3 中的一个发卡终端 3 作为付款账户，并将所述付款账户组成付款账户信息且将所述收款账户信息以及付款账户信息发送至所述跨行收付服务器 2 。
实施本实施例的有益效果在于，通过搭建即时在线会话以进行业务联系，双方确认付款与收款业务之后开始进行付款收款操作，提升了付款收款操作的安全性。
上面结合附图对本发明的实施例进行了描述，但是本发明并不局限于上述的具体实施方式，上述的具体实施方式仅仅是示意性的，而不是限制性的，本领域的普通技术人员在本发明的启示下，在不脱离本发明宗旨和权利要求所保护的范围情况下，还可做出很多形式，这些均属于本发明的保护之内。

Claims (10)

1 、 一种跨行收付方法，提供跨行收付服务器、客户终端 、以及多个发卡终端 ，其特征在于，所述客户终端包括至少一个付款客户端和至少一个收款客户端，所述跨行收付方法包括以下步骤：
S1 、 所述付款客户端通过所述跨行收付服务器向所述收款客户端发出包括付款金额信息、以及选取所述多个发卡终端的其中之一作为付款账户的付款账户信息的付款请求信息；
S2 、所述收款客户端响应所述付款请求信息并通过所述跨行收付服务器返回包括选取所述多个发卡终端的其中之一作为付款账户的收款账户信息的收款确认信息至所述付款客户端；
S3 、所述跨行收付服务器依据所述收款账户信息以及付款账户信息，生成付款命令发送至所述 付款客户端 所选取的付款账户对应的发卡终端；
S4 、所述发卡终端接收所述付款指令并依据所述付款指令从所述付款账户支付与所述付款金额信息对应的金额至所述收款账户。
2 、根据权利要求 1 所述的跨行收付方法，其特征在于，所述跨行收付方法还包括：
S0 、用户通过所述客户终端登陆所述跨行 收付服务器以绑定所述用户的身份信息至对应的所述发卡终端。
3 、 根据权利要求 1 所述的 跨行收付方法 ，其特征在于，在所述步骤 S1 中，所述跨行收付服务器存储所述付款请求信息；
在所述步骤 S2 中，所述跨行收付服务器存储所述收款确认信息。
4 、根据权利要求 3 所述的 跨行收付方法 ，其特征在于，所述方法还包括：
S5 、在步骤 S4 之后，所述客户终端向所述跨行收付服务器发出查询请求；
S6 、所述跨行收付服务器响应所述查询请求以查询所存储的所述付款请求信息、所述收款确认信息，并向发出所述查询请求的客户终端返回查询结果。
5 、根据权利要求 2 所述的 跨行收付方法 ，其特征在于，在所述步骤 S0 中，所述收款客户端还通过所述跨行收付服务器向所述付款客户端发布多种业务信息；
在所述步骤 S1 中，所述付款客户端还从所述多种业务信息中选择至少一种业务信息，并依据所选择的业务信息 通过所述跨行收付服务器向收款客户端发出付款请求信息 。
6 、 根据权利要求 1 所述的 跨行收付方法 ，其特征在于，在所述步骤 S1 中，在所述跨行收付服务器中建立所述付款客户端与所述收款客户端之间的即时在线会话，在所述即使在线会话完成后所述付款客户端通过所述跨行收付服务器向收款客户端发出付款请求信息。
7 、 一种跨行收付系统 ，其特征在于，所述 跨行收付系统包括跨行收付服务器、与所述跨行收付服务器通信连接的客户终端 、以及与所述跨行收付服务器通信连接的多个发卡终端 ，所述客户终端包括至少一个付款客户端和至少一个收款客户端 ；
所述付款客户端用于通过所述跨行收付服务器向收款客户端发出包括付款金额信息、以及选取所述多个发卡终端的其中之一作为付款账户的付款账户信息的付款请求信息；
所述收款客户端用于响应所述付款请求信息并通过所述跨行收付服务器返回包括选取所述多个发卡终端的其中之一作为付款账户的收款账户信息的收款确认信息至所述付款客户端；
所述跨行收付服务器包括付款模块，所述付款模块用于依据所述收款账户信息以及付款账户信息，生成付款命令发送至所述 付款客户端 所选取的付款账户对应的发卡终端；
所述发卡终端用于接收所述付款指令并依据所述付款指令从所述付款账户支付与所述付款金额信息对应的金额至所述收款账户。
8 、根据权利要求 7 所述的跨行收付系统，其特征在于，所述客户终端还用于登陆所述跨行 收付服务器以绑定用户的身份信息至对应的所述发卡终端；
所述 收款客户端还用于通过所述跨行收付服务器向所述付款客户端发布多种业务信息；
所述付款客户端还用于从所述多种业务信息中选择至少一种业务信息，并依据所选择的业务信息 通过所述跨行收付服务器向收款客户端发出付款请求信息 。
9 、 根据权利要求 7 所述的 跨行收付系统 ，其特征在于，所述跨行收付服务器还包括存储模块以及查询模块；
所述存储模块用于存储所述付款请求信息以及所述收款确认信息；
所述查询模块用于响应查询请求以查询所存储的所述付款请求信息、所述收款确认信息，并向发出所述查询请求的客户终端返回查询结果；
所述客户终端还用于向所述跨行收付服务器发出所述查询请求。
10 、 根据权利要求 7 所述的 跨行收付系统 ，其特征在于，所述跨行收付服务器还包括在线会话模块，所述在线模块用于建立所述客户终端之间的即时在线会话。
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