WO2016019532A1 - 一种跨行付款系统及一种跨行付款方法 - Google Patents
一种跨行付款系统及一种跨行付款方法 Download PDFInfo
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- WO2016019532A1 WO2016019532A1 PCT/CN2014/083829 CN2014083829W WO2016019532A1 WO 2016019532 A1 WO2016019532 A1 WO 2016019532A1 CN 2014083829 W CN2014083829 W CN 2014083829W WO 2016019532 A1 WO2016019532 A1 WO 2016019532A1
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- Prior art keywords
- payment
- account
- information
- bank
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
Definitions
- the present invention relates to the field of finance, and more particularly 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 thereof is: constructing on one hand An interbank payment method, which provides a client provided with user login information, an inter-bank payment server, and a plurality of card-issuing terminals disposed in a plurality of different issuers, the inter-bank payment method comprising the following steps:
- the inter-bank payment server obtains corresponding account fund information from the plurality of card issuing terminals according to the bank account information.
- the client sends a payment request including a payment service and a payment amount to the inter-bank payment server;
- the inter-bank payment server detects, from the acquired plurality of account funds information, a plurality of account fund information matching the payment amount according to the payment request, and matches the plurality of account funds information Sent to the client;
- the client selects one of the account fund information from the matched plurality of account fund information
- the interbank payment server sends payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
- the card issuing end freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
- the step S1 includes the following substeps:
- the client logs in to the inter-bank payment server according to the user login information.
- the client inputs a plurality of bank account information of a plurality of different issuers, and binds the bank account information to the user login information;
- the step S3 includes the following substeps:
- the preset designated account provides the payment service and the payment amount to the client by using the inter-bank payment server;
- the client obtains, by the inter-bank payment server, the payment service provided by the specified account and the payment amount;
- the client selects the payment service and the payment amount and forms the payment service and the payment amount into a payment request, and sends the payment request to the inter-bank payment server.
- step S4 The account funds of the plurality of account funds information matching the payment service and the payment amount are all greater than or equal to the payment amount.
- the step S7 includes the following substeps:
- the card issuing end freezes account funds corresponding to the bank account information according to the payment confirmation information
- the card issuing end confirms the payment service to the designated account according to the frozen account funds
- the card issuing end thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
- the invention provides An interbank payment method, which provides a client provided with user login information, an inter-bank payment server, and a plurality of card-issuing terminals disposed in a plurality of different issuers, the inter-bank payment method comprising the following steps:
- the client sends a payment request including a payment service and a payment amount to the inter-bank payment server;
- the inter-bank payment server obtains corresponding account fund information from the plurality of card-issuing terminals according to the bank account information.
- the inter-bank payment server detects, from the acquired plurality of account funds information, a plurality of account fund information matching the payment amount according to the payment request, and matches the plurality of account funds information Sent to the client;
- the client selects one of the account fund information from the matched plurality of account fund information
- the interbank payment server sends payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
- the card issuing end freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account.
- An interbank payment method embodying the present invention has the following beneficial effects: since the interbank payment device has already performed data docking with each bank background, as long as the user enters the banking system at the initial setting to bind the account with the interbank payment device, subsequent To do any operation, you only need to enter the interbank payment device. You can select the personal account to operate the bank balances of each account, and realize all the bank data in the same tool without having to log in to each specific banking system to operate one by one. purpose. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
- the present invention provides an interbank payment system
- the interbank payment system includes a client provided with user login information, an interbank payment server communicatively connected to the client, and a plurality of card issuers arranged in a plurality of different issuers
- the card issuing end is in communication with the interbank payment server;
- the client includes an input module, a request module, a selection module, and a payment module;
- the input module is configured to input a plurality of bank account information of a plurality of different issuers, bind the bank account information to the user login information, and bind the bank account after the user login information is bound Information is sent to the interbank payment server;
- the requesting module is configured to send a payment request including a payment service and a payment amount to the inter-bank payment server;
- the selecting module is configured to select one of the account fund information from the matched plurality of account fund information
- the payment module freezes the account funds corresponding to the bank account information according to the payment confirmation information, and thaws the account funds according to the payment service, thereby paying the account funds to a preset designated account;
- the interbank payment server includes an acquisition module, a detection module, and a confirmation module;
- the obtaining module is configured to obtain, according to the bank account information, a plurality of corresponding account fund information from the plurality of card issuing terminals;
- the detecting module is configured to detect, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and match the plurality of account funds information Sent to the client;
- the confirmation module is configured to send payment confirmation information to the card issuing end corresponding to the selected account fund information according to the account fund information selected by the client;
- the client further includes a login module, and the login module is configured to log in to the inter-bank payment server according to the user login information.
- the preset designated account is used to provide the payment service and the payment amount through the interbank payment server;
- the payment module is further configured to confirm the payment service to the designated account according to the frozen account funds.
- the account funds of the plurality of account funds information matching the payment service and the payment amount are greater than or equal to the payment amount.
- An interbank payment system embodying the present invention has the following beneficial effects: since the interbank payment device has already performed data docking with each bank backend, as long as the user enters the banking system at the initial setting to bind the account to the interbank payment device, subsequent To do any operation, you only need to enter the interbank payment device. You can select the personal account to operate the bank balances of each account, and realize all the bank data in the same tool without having to log in to each specific banking system to operate one by one. purpose. At the same time, the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
- FIG. 1 is a schematic structural diagram of an interbank payment system provided by the present invention.
- FIG. 2 is a flow chart of a method for an interbank payment method provided by the present invention.
- FIG. 3 is a flow chart of binding client bank account information provided by the present invention.
- FIG. 4 is a flow chart of a payment request sent by a client provided by the present invention.
- FIG. 5 is a flow chart of the card issuing end freezing funds provided by 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 bank back-end data are connected, that is, the inter-bank payment server is connected to the card-issuing end, as long as the payer (ie, the client) enters the banking system at the initial setting, binds the account to the inter-bank payment server, and binds the individual.
- the payer ie, the client
- any subsequent operations only need to enter the inter-bank payment server, and select the personal account to perform the operation on the bank balances that have the respective accounts, thereby realizing the operation of all the bank data in the same tool.
- the payer can pay the specified account (such as the designated account), and support a certain amount of money in advance without the recipient of the payment, so that the payer can find a certain amount of payment for himself. The payee who receives this amount.
- FIG. 1 is a schematic structural diagram of an interbank payment system provided by the present invention.
- the present invention provides An interbank payment system includes a client 1 provided with user login information, an interbank payment server 2 connected to the client 1 , and a plurality of card issuers disposed in a plurality of different issuers 3
- the card issuing end 3 is in communication with the interbank payment server 2.
- the client can be a mobile terminal or a fixed computer device, and the client 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 the inter-bank payment server 2 via a wireless network.
- Card issuing end 3 Installed in the bank back-end server and connected to the inter-bank payment server 2 via the Internet, the account funds data can be read, but there is no flow of funds between the inter-bank payment server 2 and the card-issuing end.
- the client 1 Entering bank account information of a plurality of bank cards of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to The interbank payment server 2; the inter-bank payment server 2 obtains corresponding account fund information from the plurality of card-issuing terminals 3 according to the bank account information; for example, Zhang San landing inter-bank payment server 2 After that, enter the construction bank card number and login password, China Merchants Bank card number and login password, ICBC card number and login password, as shown in the following table:
- the user login information refers to logging in to the inter-bank payment server through the client 1
- User login information for the user through which the user login information can be used on the interbank payment server 2 Enter the bank card number and password of different banks, different account holders, and bind the entered bank account information with the user login information.
- the user of 'Zhang San' can operate the fund accounts of multiple bank cards.
- Zhang San binds his bank card to his account, and also binds Li Si’s bank card.
- Zhang San logs in his account in the inter-bank payment server, he can not only operate the bound account.
- the account funds of your own bank card can also operate the account funds of the bundled Li Si bank card.
- the user passes the client 1 Sending a payment request including a preset payment service and a payment amount to the interbank payment server 2; the interbank payment server 2 And detecting, according to the payment request, account fund information matching the payment amount from the obtained plurality of account fund information, and transmitting the matched account fund information to the client 1; Client 1 Selecting one of the account fund information from the matched account fund information; the interbank payment server 2 is based on the client 1
- the selected account fund information sends a payment confirmation message to the card issuing end 3 corresponding to the selected account fund information; the card issuing end 3
- the account funds corresponding to the bank account information are frozen according to the payment confirmation information.
- Inter-bank payment server For example: User enters inter-bank payment server through client 1 2 , select a personal account to operate the bank balances of each account, operate all bank data in the same tool, the payer can also pay for the specified account (such as the designated account), and can also receive the recipient Under the premise of paying a certain amount of money in advance. For example, the user has to pay the utility bill, but the utility bill is paid on time every month. It can't be paid at any time, then the user can use the interbank payment server. 2 Advance the part of the utility bill in advance, and wait until the date of payment is confirmed. The receiving account, that is, the designated account, automatically sends the part of the utility bill to the receiving account.
- the client 1 includes an input module 11 , a request module 12 , a selection module 13 , and a payment module 14 .
- the input module 12 And inputting a plurality of bank account information of the plurality of different issuers, binding the bank account information with the user login information, and transmitting the bank account information bound to the user login information to the office Inter-bank payment server 2
- the requesting module 12 is configured to issue a payment request including a payment service and a payment amount to the inter-bank payment server 2;
- the selection module 13 For selecting one of the account fund information from the matched plurality of account fund information;
- the payment module 14 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, and thawing the account funds according to the payment service, thereby paying the account funds to the preset designated account;
- the inter-bank payment server 2 includes an obtaining module 21, a detecting module 22, and a confirming module 23; the obtaining module 21 And configured to obtain, according to the bank account information, a plurality of corresponding account fund information from the plurality of card issuing terminals 3; the detecting module 22 And configured to detect, according to the payment request, a plurality of account fund information matching the payment amount from the acquired plurality of account fund information, and send the matched plurality of account fund information to the Client 1
- the confirmation module 23 is configured to send payment confirmation information to the card issuing end 3 corresponding to the selected account fund information according to the account fund information selected by the client 1;
- the client 1 further includes a login module 15 , and the login module 15 And configured to log in to the inter-bank payment server 2 according to the user login information.
- the preset designated account is used to provide the payment service and the payment amount through the interbank payment server 2; the payment module 14 Also used to confirm the payment service to the designated account in accordance with the frozen account funds.
- the funding freeze does not mean that the new shares are purchased. At that time, the funds required for the purchase of new shares will be frozen. After verification, as a proof of effective purchase, the funds cannot be used for other purposes within a few working days. After the purchase is completed, the funds will be thawed. However, the funds will not be misappropriated until the payment service is completed, and the funds can be transferred to the designated account.
- 'fund freezing' can be explained as: temporary loss of use rights, but ownership, benefit rights (interests, property certificates, capital verification).
- the client 1 is further configured to connect to the inter-bank payment server according to the user login information.
- the user can directly log in to the inter-bank payment server 2 according to the user login information without any other cumbersome login information.
- the designated account it is also possible to log a preset, preset designated account to the interbank payment server 2 To provide the payment service and the payment amount.
- the card issuing end 3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information, notifying the designated account to provide the payment service according to the frozen account funds, and paying the preset designated account after thawing the account fund period The account funds.
- the commodity should include the payment method of the merchant or the seller, the amount of the commodity, and the like, and the user can initiate a payment request according to the payment method and the amount of the commodity.
- the card is issued 3
- the account funds are frozen.
- the preset merchants and sellers can also see the status.
- the preset merchants and sellers provide corresponding payment services: delivery or other services, and the user receives After the goods are received or received, the frozen funds are sent to the accounts of the preset merchants and sellers.
- the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount.
- an interbank payment server automatically filters bank cards whose account funds are greater than the payment amount for the user to choose to pay. In this way, the user can conveniently find the bank card that meets the payment requirement through the interbank payment server provided by the present invention, without having to log in to different bank websites one by one to search.
- FIG. 2 is a flow chart of a method for an interbank payment method provided by the present invention. As shown in FIG. 2, the present invention provides An interbank payment method includes the following steps:
- the inter-bank payment server 2 according to the bank account information, from the plurality of card-issuing terminals 3 Obtain corresponding account information of multiple accounts; by binding the bank account information and user login information, log in to the personal account of the interbank payment server to operate the bank balances of each account.
- the client 1 issues a payment request including a payment service and a payment amount to the inter-bank payment server 2
- the payment request should also include the payment requirements satisfied by the issuing bank, that is, the business involved in the payment request should be within the scope supported by the issuing bank, such as cross-border transfer, which requires the bank card to have cross-border payment or transfer function.
- steps S1 and S3 can be executed side by side.
- the interbank payment server 2 And detecting, according to the payment request, account fund information matching the payment amount from the acquired plurality of account fund information, and transmitting the matched account fund information to the client 1 And the account fund information matching the payment service and the payment amount is that the account fund in the account fund information is greater than or equal to the payment amount .
- the user Zhang San is required to pay the utility bill.
- the utility bill is the monthly utility fee for the previous month.
- the monthly utility bill and account balance are as follows:
- the client 1 One of the account fund information is selected from the matched account fund information; for example, Zhang San selects the bank card of the construction bank as the bank card for paying the utility bill.
- the selected account fund information sends payment confirmation information to the card issuing end 3 corresponding to the selected account fund information; for example, after selecting the bank card, the payment confirmation information is sent to the card issuing end corresponding to the construction bank 3 .
- the card issuing end 3 freezes the account funds corresponding to the bank account information according to the payment confirmation information. Card issuing end 3 After the funds are frozen, the payment service is started. After the payment service is completed, the funds are released and the funds are transferred to the designated account.
- FIG. 3 is a flowchart of the client binding bank account information provided by the present invention, as shown in FIG. 3, the step S1 Includes the following substeps:
- the client 1 logs in to the interbank payment server according to the user login information.
- the user login information can be used as the login credentials for logging in to the interbank payment server 2, and a login password can be added to log in to the interbank payment server 2 .
- the combination of user login information and login password can improve the security of the account.
- the client 1 Entering bank account information of a plurality of bank cards of different issuers in the login state, and binding the bank account information with the user login information; in the login environment, inputting a bank with multiple bank cards
- the account information is automatically bound to the user login information.
- step S3 is a flow chart of a payment request sent by a client provided by the present invention, as shown in FIG. 4, the step S3 Includes the following substeps:
- the preset designated account is logged in to the inter-bank payment server. 2
- the designated account is a commodity seller collection account
- the commodity seller publishes its own payment service and the payment amount by logging in to the interbank payment server
- the payment service includes the attribute information of the commodity
- the seller collects the payment. Account number, etc.
- the client 1 from the interbank payment server 2 Obtaining the payment service provided by the designated account and the payment amount; the payment service and the payment amount can be viewed from the client 1 by specifying the payment service provided by the account and the payment amount.
- the client 1 The payment service and the payment amount are selected and the selected payment service and the payment amount are combined into a payment request, and the payment request is sent to the inter-bank payment server 2.
- FIG. 5 is a flowchart of the method for freezing funds at the card issuing end provided by the present invention.
- the interbank payment method provided by the present invention further includes:
- the card issuing end 3 And freezing the account funds corresponding to the bank account information according to the payment confirmation information; for example, after the card issuing end 3 receives the payment confirmation information of the Zhang San, the card funds in the payment confirmation information are frozen, and the payment confirmation information is the confirmation payment. For 600 yuan, the amount of 600 yuan in the account will be frozen.
- the card issuing end 3 Providing the payment service according to the frozen account fund notification; for example, after the card is frozen, sending the short message or sending a notification message to the designated account via the Internet, after the designated account receives the notification information, Provide the payment service, for example, The 600 yuan item is delivered to the user holding the client 1 by courier.
- the card issuing end 3 pays the account fund to the designated account after thawing the account fund period. For example, the user is receiving the After the $600 item is received by the client 1 on the interbank payment server 2 to confirm receipt of the payment service, then the interbank payment server 2 notifies the card issuer 3 The funds are thawed during the freezing of the account funds and the account funds are paid to the designated account.
- the beneficial effect of implementing the invention is that the user enters the banking system at the initial setting to bind the account with the interbank payment device, and any subsequent operation only needs to enter the interbank payment device, and the personal account can be used to balance the bank balance of each account.
- the operation is performed to realize 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.
- the payer can pay the specified account and support a certain amount of money in advance without the recipient of the payment, so that the payer can find the receipt of the amount under the premise of planning a certain payment amount. Party.
Abstract
Description
用户登录信息 | 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 | ****** |
一个月水电费 | 发卡行 | 银行卡号 | 余额 |
200元/月 | 建设银行 | XXXX | 1000元 |
200元/月 | 招商银行 | XXXX | 2000元 |
200元/月 | 工商银行 | XXXX | 500元 |
Claims (10)
Priority Applications (3)
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CN201480003223.1A CN104854604A (zh) | 2014-08-06 | 2014-08-06 | 一种跨行付款系统及一种跨行付款方法 |
PCT/CN2014/083829 WO2016019532A1 (zh) | 2014-08-06 | 2014-08-06 | 一种跨行付款系统及一种跨行付款方法 |
CA2993677A CA2993677C (en) | 2014-08-06 | 2014-08-06 | Interbank payment system and interbank payment method |
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PCT/CN2014/083829 WO2016019532A1 (zh) | 2014-08-06 | 2014-08-06 | 一种跨行付款系统及一种跨行付款方法 |
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WO2016019532A1 true WO2016019532A1 (zh) | 2016-02-11 |
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PCT/CN2014/083829 WO2016019532A1 (zh) | 2014-08-06 | 2014-08-06 | 一种跨行付款系统及一种跨行付款方法 |
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CN (1) | CN104854604A (zh) |
CA (1) | CA2993677C (zh) |
WO (1) | WO2016019532A1 (zh) |
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