WO2019109956A1 - Procédé de paiement basé sur un compte de catégorie ii, système de paiement et support d'informations lisible par ordinateur - Google Patents

Procédé de paiement basé sur un compte de catégorie ii, système de paiement et support d'informations lisible par ordinateur Download PDF

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Publication number
WO2019109956A1
WO2019109956A1 PCT/CN2018/119391 CN2018119391W WO2019109956A1 WO 2019109956 A1 WO2019109956 A1 WO 2019109956A1 CN 2018119391 W CN2018119391 W CN 2018119391W WO 2019109956 A1 WO2019109956 A1 WO 2019109956A1
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WIPO (PCT)
Prior art keywords
account
fund
credit
payment
transaction
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PCT/CN2018/119391
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English (en)
Chinese (zh)
Inventor
王甲甲
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深圳壹账通智能科技有限公司
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Publication of WO2019109956A1 publication Critical patent/WO2019109956A1/fr

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Classifications

    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present application relates to the field of payment technologies, and in particular, to a payment method based on a second type account, a payment system, and a computer readable storage medium.
  • the bank account is managed hierarchically in China. Set up a full-featured account with an account opened by a traditional bank counter that meets all the strict requirements of the real-name system.
  • Depositors can use one type of account to handle deposits, purchase financial products such as investment and wealth management products, withdraw cash, transfer, consumption and payment; depositors can make consumer payments and financial payments through the second-class accounts, but cannot access cash or Transfer to non-bonded accounts, with a payment limit; three types of accounts have account fund limits, depositors can only handle small-scale consumption and payment through three types of accounts, and can not handle other business.
  • the main purpose of the present application is to provide a payment method based on a second-class account, a payment system, and a computer-readable storage medium, which are intended to solve the technical problem that the payment limit cannot be completed due to the limitation of the payment limit when paying through the second-class account.
  • the present application provides a payment method based on a second type account, the method comprising the following steps:
  • the account issuer of the second type account initiates a request for the corresponding transaction amount to be paid to the payment account corresponding to the transaction payment request, and generates a corresponding transaction amount to the fund account.
  • the bill is liquidated within the fund account under preset clearing conditions.
  • the application also provides a payment system comprising:
  • a second type account payment response module configured to obtain account information of the second type account in response to a transaction payment request based on the second type account
  • a judging module configured to determine whether the second type account is bound to a fund account
  • a payment module configured to, when the second type account is bound with a fund account, initiate a request to the account issuer of the second type account to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and The fund account generates a bill;
  • the clearing module is configured to clear the bill in the fund account under preset clearing conditions.
  • the present application provides a payment system including a communication unit, a storage unit, a processing unit, and a computer program stored on the storage unit and operable on the processing unit, the processing unit performing the The computer program implements the steps of the second type account based payment method as described above.
  • the present application provides a computer readable storage medium having stored thereon a computer program that, when accessed by a processing unit, implements the steps of a second type account based payment method as described above.
  • the function of using the second-class account financial payment is not limited by the payment limit, and the method of the account issuer advances, so that the payment can be completed through the second-type account, and is not subject to the payment limit and the transaction account. Binding account restrictions.
  • FIG. 1 is a schematic flowchart of a first embodiment of a payment method according to the present application.
  • FIG. 2 is a schematic flowchart of a second embodiment of a payment method according to the present application.
  • FIG. 3 is a schematic flowchart of a third embodiment of a payment method according to the present application.
  • FIG. 4 is a schematic flowchart of a fourth embodiment of a payment method according to the present application.
  • FIG. 5 is a schematic flowchart of a fifth embodiment of a payment method according to the present application.
  • FIG. 6 is a schematic flowchart of a sixth embodiment of a payment method according to the present application.
  • FIG. 7 is a schematic flowchart of a seventh embodiment of a payment method according to the present application.
  • FIG. 8 is a schematic structural diagram of a module of a mobile terminal according to an embodiment of the present application.
  • FIG. 9 is a schematic structural diagram of a module of a mobile terminal according to another embodiment of the present application.
  • first”, “second”, and the like in this application are used for descriptive purposes only, and are not to be construed as indicating or implying their relative importance or implicitly indicating the number of technical features indicated.
  • features defining “first” or “second” may include at least one of the features, either explicitly or implicitly.
  • the meaning of "a plurality” is at least two, such as two, three, etc., unless specifically defined otherwise.
  • the application proposes a payment method based on a second type account, a payment system and a computer readable storage medium.
  • the present application is based on a schematic flowchart of a first embodiment of a payment method for a second-class account.
  • the payment method 200 includes the following steps:
  • Step S1 Acquire account information of the second type account in response to a transaction payment request based on the second type account
  • the second type of account is a restricted account, such as having a daily payment limit, and/or an annual payment limit, and/or having no transfer function to an unbound account, and/or an account having no cash access function.
  • the transaction payment request specifically includes a payment account, a transaction amount, and a collection account, and may also include a payment property, a transaction time, a transaction location, and the like. The nature of the payment is consumer payment, transfer payment, repayment payment, and the like.
  • the transaction payment request based on the second type account is specifically, when the transaction payment request is generated, the payment account that agrees to complete the transaction payment request is the second type account.
  • the account information may specifically include the owner information of the second type account, the account balance of the second type account, related account information bound to the second type account, and the account issuer of the second type account. Agreement, etc.
  • Step S2 determining whether the second type account is bound to a fund account
  • the fund account is an account for managing and recording changes in the types and quantities of user transaction funds.
  • the fund account bound to the second-class account is a fund account established based on the second-class account, so that the fund account is submitted to the fund management company through the commission-issuing business of the account issuer. Purchase or redemption application.
  • Step S3 when the second type account is bound with the fund account, requesting the account issuer of the second type account to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and The fund account generates a bill;
  • the account issuer establishes the second-class account and provides financial services to the user through the second-class account, for example, Bank of China, China Construction Bank, and the like.
  • the account issuer receives the advance payment request and advances the corresponding transaction amount according to the advance payment request to the payment account corresponding to the transaction payment request.
  • the bill may specifically include the transaction amount, the interest agreed by the account issuer and the second type account, the fund redemption fee, the transaction fee, and the like.
  • step S4 the bill is cleared in the fund account under preset clearing conditions.
  • the account issuer and the second-type account stipulate the preset clearing conditions, for example, real-time clearing, daily clearing, and monthly clearing, and when the agreed clearing date is reached, the fund account
  • the bill is cleared; it can also be agreed to be liquidated by the amount. For example, when the amount paid by the issuer of the account reaches 2000 thousand RMB, the bill is cleared by the fund account.
  • the function of using the second type of account financial payment is not limited by the payment limit, and the method of the account issuer advances, so that the payment can be completed through the second type account, and is not tied to the payment limit and the transaction account. Limit the account.
  • FIG. 2 is a flowchart of a method for the second-class account-based payment method 201 in the second embodiment of the present application.
  • the step S1, the step S2 and the step S4 of the second-class account-based payment method 201 are the same as those in the first embodiment, and are not described here again; the difference is that the step S3 is specific. Includes the following steps:
  • Step S31 when the second type account is bound with the fund account, determining whether there is a credit agreement between the second type account and the issuer of the account;
  • the credit agreement may be a credit signed between the second type account and the issuer of the account, specifically limiting the rights and obligations of the two, and limiting the credit line, the credit range, etc., to agree on the issuing direction of the account.
  • a payment behavior in which the nature of payment is made, and the amount of the transaction is credited to the amount of the transaction, and the issuer of the account is required to recover the advancement behavior after the occurrence of the payment.
  • Step S32 when there is a credit agreement between the second type account and the account issuer, according to the credit agreement, the account issuer of the second type account initiates payment to the collection account corresponding to the transaction payment request. A corresponding transaction amount request and a bill is generated to the fund account.
  • the account issuer of the second type account initiates a request to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, thereby completing the account issuance
  • the party makes advances against the second-class accounts to avoid non-user-desired consumption, such as bank card fraud.
  • FIG. 3 is a flowchart of a method for the second-class account-based payment method 202 in the third embodiment of the present application.
  • the step S1, the step S2, the step S4 and the step S31 of the second-class account-based payment method 202 are the same as those in the second embodiment, and are not described herein again;
  • the credit agreement includes the maximum credit line and the default type of credit fund;
  • the predetermined type of credit fund is a money fund or a bond fund with a small investment risk.
  • the second type account and the issuer of the account may also agree that the predetermined type of credit fund is a stock fund
  • the default type of credit fund is a money fund.
  • the credit fund is also a kind of money fund, and may also be a plurality of types of money funds, for example, the credit fund may be the A fund of the fund management company of the account issuer, and the account.
  • the step S32 specifically includes the following steps:
  • Step S321 when there is a credit agreement between the second type account and the account issuer, determine whether the transaction amount is greater than the maximum credit limit
  • Step S322 when the transaction amount is less than or equal to the maximum credit limit, determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount;
  • Step S323 when the credit fund asset value is greater than or equal to the transaction amount, according to the credit agreement, requesting to the account issuer to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request And generating a bill to the fund account;
  • the credit agreement stipulates that the maximum credit line is 10,000 yuan, and the credit fund in the fund account is a 20,000-yuan money fund, that is, the credit fund has a net asset value of 20,000 yuan, which is equal to the transaction.
  • the credit agreement stipulates that the maximum credit line is 10,000 yuan, and the credit fund is 10,000 shares of the subscribed money fund and 10,000 shares of the subscribed money fund, that is, the credit fund has a net asset value of 2 Ten thousand yuan is equal to the transaction amount.
  • Step S324 when the net asset value of the credit fund is less than the transaction amount, the fund account initiates a purchase application of the predetermined type of credit fund to the fund management company, and according to the credit agreement, the second type account is The account issuer initiates a request to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and generates a bill to the fund account, wherein the purchase amount of the purchase request of the preset type of credit fund is greater than or It is equal to the difference between the net asset value and the transaction amount.
  • the idle funds are preferentially used to initiate the purchase request of the predetermined type of credit fund to the fund management company; when the amount of the idle funds is less than the net asset value
  • funds may be transferred to the fund account through the second type account, and then the purchase request of the predetermined type of credit fund is initiated to the fund management company.
  • FIG. 4 is a flowchart of a method for the second-class account-based payment method 203 in the fourth embodiment of the present application.
  • the steps S1, S2, and S3 of the second-class account-based payment method 203 are the same as those in the third embodiment, and are not described herein again; the difference is that the bill includes the transaction.
  • the amount, or the sum of the transaction amount and the interest; the step S4 specifically includes the following steps:
  • Step S401 under the preset clearing condition, in the fund account, initiate a redemption application to the fund management company corresponding to the credit fund, wherein the redemption amount of the redemption application is equal to the transaction amount. Or the sum of the transaction amount and interest;
  • the interest may be calculated from the transaction amount, the interest rate, the bill generation date, and the settlement date.
  • Step S402 in the fund account, the fund management company initiates a request for delivery of the redemption money to the account issuer to complete the liquidation of the bill.
  • the fund management company pays the redemption payment to the account issuer for the redemption application, and the account issuer is at the office.
  • the fund account pays the redemption.
  • the account issuer directly uses the redemption money for the liquidation of the bill, and no longer applies to the fund. The account pays the redemption.
  • the redemption amount of the redemption application is equal to the sum of the transaction amount and the interest, which can be understood as a loan behavior between the user and the issuer of the account, and the issuer of the account charges interest for the loan behavior.
  • the user repays the loan through the redemption, and the information obtained by the credit fund is obtained by the user between the bill generation date and the clearing date.
  • the clearing of the bill is completed by initiating the redemption application. Thereby, the transfer behavior of the unbound account using the second type account is avoided, and the payment limit set by the second type account is also avoided.
  • FIG. 5 is a flowchart of a method for the second-class account-based payment method 204 in the fifth embodiment of the present application.
  • the steps S1, S2, and S3 of the second-class account-based payment method 204 are the same as those in the third embodiment, and are not described herein again; the difference is that the bill includes the transaction.
  • the equal amount of the credit fund corresponding to the amount; the step S4 specifically includes the following steps:
  • Step S411 under the preset clearing condition, in the fund account, initiate a fund share transfer application or redemption application to the fund management company corresponding to the credit fund, and the transfer share of the transfer application or the redemption application
  • the redemption share is the share of the equal credit fund and its interest during the bill generation date to the liquidation date;
  • the interest is the dividend obtained by the credit fund from the bill generation date to the clearing date.
  • Step S412 in the fund account, the fund management company initiates a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer to complete the Describe the liquidation of the bill.
  • the fund account initiates a share transfer to the fund issuer to the fund issuer, and after the fund management company makes a transfer behavior, the fund management company, the account issuer, and the fund No funds transfer occurs between accounts.
  • the account issuer may continue to hold the fund share or initiate redemption of the fund share.
  • the maximum difference between the second type account based payment method 204 and the second type account based payment method 203 is that the fund account and the account issuer are calculated differently for the transaction amount, based on the In the payment method 203 of the second type account, the bill between the fund account and the account issuer is calculated in monetary units; in the second type account based payment method 204, the fund account and the fund account The bill between the issuers of the account is calculated by share.
  • FIG. 6 is a flowchart of a method for the second-class account-based payment method 205 in the sixth embodiment of the present application.
  • the steps S411 and S412 of the second-class account-based payment method 205 are the same as those in the fifth embodiment, and are not described herein again; the difference is that the bill further includes interest; Step S4 also includes the following steps:
  • Step S413 under the preset clearing condition, in the fund account, initiate a fund share transfer application or redemption application to the fund management company corresponding to the credit fund, and the transfer share or the redemption of the transfer application
  • the redemption share of the application is the equivalent credit fund corresponding to the interest
  • Step S414 in the fund account, the fund management company initiates a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer to complete the Describe the liquidation of the bill.
  • FIG. 7 is a flowchart of a method for the second-class account-based payment method 206 in the seventh embodiment of the present application.
  • the step S1, the step S2, the step S3, and the step S4 of the second-class account-based payment method 206 are the same as those in the first embodiment, and are not described herein again;
  • the method further includes:
  • Step S5 obtaining a payment two-dimensional code, and obtaining transaction payment data according to the payment two-dimensional code parsing;
  • Step S6 Generate a transaction payment request based on the second type account according to the transaction payment data.
  • QR code Quality Response, QR
  • QR Quick Response, QR
  • the concept uses several geometric shapes corresponding to binary to represent literal numerical information, and is automatically read by an image input device or an optical scanning device to realize automatic information processing.
  • the user can obtain the payment two-dimensional code by having an image input device or a photoelectric scanning device, and the payment two-dimensional code is arranged in a regular pattern in a geometric pattern to store the transaction payment data, and the device having the function of analyzing the two-dimensional code The payment two-dimensional code is parsed to obtain the transaction data.
  • FIG. 8 is a schematic structural diagram of a module of a mobile terminal according to an embodiment of the present application.
  • the application also provides a payment system 100, the payment system 100 comprising:
  • the second type account payment response module 1 is configured to obtain account information of the second type account in response to a transaction payment request based on the second type account;
  • the determining module 2 is configured to determine whether the second type account is bound to a fund account
  • a payment module 3 configured to, when the second-class account is bound with a fund account, initiate a request to the account issuer of the second-type account to advance the corresponding transaction amount to the collection account corresponding to the transaction payment request, and Generate bills to the fund account;
  • the clearing module 4 is configured to clear the bill in the fund account under preset clearing conditions.
  • the function of using the second-type account wealth payment by the payment module 3 is not limited by the payment limit, and the payment by the account issuer is made, so that the payment can be completed through the second-type account, and is not subject to the payment limit and the transaction.
  • the account account is a limit for binding accounts.
  • the account issuer advances the behavior by recovering from the fund account.
  • the determining module 2 is further configured to determine, when the second type account is bound with a fund account, whether there is a credit agreement between the second type account and the issuer of the account;
  • the payment module 3 is further configured to: when the credit agreement exists between the second type account and the account issuer, initiate an account payment request corresponding to the account issuer of the second type account according to the credit agreement
  • the collection account advances the request for the corresponding transaction amount and generates a bill to the fund account.
  • the determining module 2 is further configured to: when a credit agreement exists between the second type account and the account issuer, determine whether the transaction amount is greater than the maximum credit limit, and when the transaction amount is less than Or equal to the maximum credit limit, determining whether the net asset value of the credit fund in the fund account is greater than the transaction amount;
  • the payment module 3 is further configured to: when the credit fund asset value is greater than or equal to the transaction amount, initiate a corresponding payment to the account issuer corresponding to the transaction payment request according to the credit agreement; a request for a transaction amount, and generating a bill to the fund account, and when the net asset value of the credit fund is less than the transaction amount, the fund account initiates a subscription application for the predetermined type of credit fund to the fund management company, And initiating, by the account issuer of the second-type account, a request to advance the corresponding transaction amount to the payment account corresponding to the transaction payment request, and generating a bill to the fund account, wherein the preset The purchase amount of the application for the credit fund of the kind is greater than or equal to the difference between the net asset value and the transaction amount.
  • the clearing module 4 specifically includes:
  • the initiating application module 41 is configured to initiate, within the fund account, a redemption application to the fund management company corresponding to the credit fund under the preset clearing condition, wherein the redemption amount of the redemption application is equal to The transaction amount, or equal to the sum of the transaction amount and interest;
  • the clearing module 42 is completed, in which the fund management company initiates a request to deliver the redemption to the account issuer to complete the liquidation of the bill.
  • the initiating application module 41 is further configured to initiate a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund in the fund account under preset clearing conditions, where the transfer application is The redemption share of the transfer share or the redemption application is the share of the equal credit fund and its interest during the bill generation date to the liquidation date;
  • the completion clearing module 42 is further configured to, within the fund account, initiate, by the fund management company, to the account issuer to deliver the fund share transferred by the transfer application or the redemption of the redemption application. Request to complete the liquidation of the bill.
  • the initiating application module 41 is further configured to initiate, in the fund account, a fund share transfer application or a redemption application to the fund management company corresponding to the credit fund under the preset clearing condition, the transfer
  • the transfer share of the application or the redemption share of the redemption application is an equal amount of the credit fund corresponding to the interest;
  • the completion clearing module is further configured to initiate, by the fund management company, a request for delivery of the fund share transferred by the transfer application or the redemption request of the redemption application to the account issuer To complete the liquidation of the bill.
  • the payment system 100 further includes:
  • the two-dimensional code obtaining module 5 is configured to obtain a payment two-dimensional code, and obtain transaction payment data according to the payment two-dimensional code parsing;
  • the data generating module 6 generates a transaction payment request based on the second type account based on the transaction payment data.
  • FIG. 9 is a schematic structural diagram of a module of a mobile terminal according to another embodiment of the present application.
  • the present application also provides a payment system 101 including a communication unit 10, a storage unit 20, a processing unit 30, and a computer program stored on the storage unit 20 and operable on the processing unit 30. And the step of implementing the second class account based payment method as described in any of the foregoing embodiments when the processing unit 30 executes the computer program.
  • the present application also provides a computer readable storage medium having stored thereon a computer program that, when accessed by a processing unit, implements the steps of a second type account based payment method as described above.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

L'invention concerne un procédé de paiement basé sur un compte de catégorie II, un système de paiement et un support d'informations lisible par ordinateur. Le procédé comprend les étapes suivantes consistant : à acquérir des informations de compte d'un compte de catégorie II en réponse à une requête de paiement de transaction sur la base du compte de catégorie II (S1) ; à déterminer si le compte de catégorie II est lié à un compte de fonds (S2) ; si le compte de catégorie II est lié à un compte de fonds, à initier et à envoyer, à une partie d'émission de compte du compte de catégorie II, une requête de paiement d'une somme de transaction correspondante à un compte de réception de paiement correspondant à la requête de paiement de transaction, et à générer une facture pour le compte de fonds (S3) ; et à régler la facture dans le compte de fonds en vertu d'une condition de règlement prédéterminée (S4). L'invention permet à un utilisateur d'utiliser un compte de catégorie II pour achever une transaction avec un compte non lié et un paiement autre qu'un achat, et élimine les restrictions de limite de paiement.
PCT/CN2018/119391 2017-12-08 2018-12-05 Procédé de paiement basé sur un compte de catégorie ii, système de paiement et support d'informations lisible par ordinateur WO2019109956A1 (fr)

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CN201711294037.XA CN108038683B (zh) 2017-12-08 2017-12-08 基于二类账户的支付方法、支付系统及可读存储介质
CN201711294037.X 2017-12-08

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CN108038683B (zh) * 2017-12-08 2020-08-28 深圳壹账通智能科技有限公司 基于二类账户的支付方法、支付系统及可读存储介质
CN108876606B (zh) 2018-05-29 2021-02-09 创新先进技术有限公司 资产转移方法及装置、电子设备
CN108805712B (zh) * 2018-05-29 2021-03-23 创新先进技术有限公司 资产转移的回退处理方法及装置、电子设备
CN109583853A (zh) * 2018-09-29 2019-04-05 阿里巴巴集团控股有限公司 支付方法、装置、电子设备及计算机可读存储介质
CN112990901A (zh) * 2019-12-13 2021-06-18 腾讯科技（深圳）有限公司 支付处理方法、装置、终端、服务器及存储介质
CN111383112A (zh) * 2020-03-05 2020-07-07 腾讯科技（深圳）有限公司 数据处理方法、装置、系统、存储介质及计算机设备
CN111429125B (zh) * 2020-03-17 2024-04-19 京东科技控股股份有限公司 账户管理方法、装置、存储介质及电子设备
CN112734435A (zh) * 2021-01-08 2021-04-30 北京开科唯识技术股份有限公司 一种支付方法、装置、电子设备及计算机可读存储介质

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