WO2020088175A1 - 一种单位账户的交易方法及装置 - Google Patents

一种单位账户的交易方法及装置 Download PDF

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Publication number
WO2020088175A1
WO2020088175A1 PCT/CN2019/108721 CN2019108721W WO2020088175A1 WO 2020088175 A1 WO2020088175 A1 WO 2020088175A1 CN 2019108721 W CN2019108721 W CN 2019108721W WO 2020088175 A1 WO2020088175 A1 WO 2020088175A1
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Prior art keywords
account
unit
transaction
payment
server
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PCT/CN2019/108721
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English (en)
French (fr)
Inventor
鲁志军
赵张云
李岭
仇志付
陈旭
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中国银联股份有限公司
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Publication of WO2020088175A1 publication Critical patent/WO2020088175A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • the present invention relates to the field of data processing technology, and in particular, to a unit account transaction method and device.
  • This application provides a unit account transaction method and device to improve the convenience of processing unit account transactions.
  • the server receives the first transaction request sent by the first processing mechanism device, where the first transaction request includes the account identification of the transaction unit;
  • the server determines the payment mark of the trading unit according to the account identification of the trading unit, and the payment mark corresponds to the account identification;
  • the server sends a second transaction request carrying the payment token to the second processing facility device, so that the second processing facility device uses the payment token to conduct a transaction.
  • the server determining the payment mark of the transaction unit according to the account identification of the transaction unit includes:
  • the server determines that no payment mark corresponding to the account identifier is stored
  • the server generates a payment mark corresponding to the account ID according to the account ID of the transaction unit, and the payment mark is in one-to-one correspondence with the account ID.
  • the server after the server generates the payment mark corresponding to the account identifier according to the account identifier of the transaction unit, the server further includes:
  • the server stores the correspondence between the account identifier and the payment token, and sends the correspondence between the account identifier and the payment token to the second processing mechanism device.
  • An embodiment of the present invention also provides a unit account transaction method, including:
  • the processing mechanism device receives a second transaction request sent by the server, where the second transaction request carries a payment mark of the trading unit, and the payment mark is determined by the server according to the account identifier of the trading unit;
  • the processing facility device determines the account of the transaction unit corresponding to the payment mark according to the payment mark;
  • the processing institution device executes the second transaction request to the account of the transaction unit.
  • the processing mechanism device sends a first transaction request to the server, where the first transaction request includes an account identification of the transaction unit, so that the server determines the payment of the transaction unit according to the account identification of the transaction unit Mark, the payment mark and the account identification are in one-to-one correspondence.
  • the processing device determines the account of the transaction unit corresponding to the payment token according to the payment token, including:
  • the processing mechanism device stores the correspondence between the account identifier and the payment mark, and the corresponding relationship is determined by the server and sent to the processing mechanism device;
  • the processing mechanism device determines the account of the transaction unit corresponding to the payment mark according to the corresponding relationship and the payment mark.
  • An embodiment of the present invention provides a unit account trading device, including:
  • a receiving unit configured to receive a first transaction request sent by a device of a first processing institution, where the first transaction request includes an account identifier of a transaction unit;
  • a marking unit configured to determine a payment mark of the trading unit according to the account identification of the trading unit, the payment mark corresponding to the account identification;
  • the sending unit is configured to send a second transaction request carrying the payment token to the second processing agency device, so that the second processing agency device uses the payment token to conduct a transaction.
  • the marking unit is specifically used for:
  • a payment mark corresponding to the account identification is generated, and the payment mark corresponds one-to-one with the account identification.
  • the marking unit is further used to save the correspondence between the account identifier and the payment marker;
  • the sending unit is further configured to send the corresponding relationship between the account identifier and the payment mark to the second processing mechanism device.
  • An embodiment of the present invention also provides an electronic device, including:
  • At least one processor and, a memory communicatively connected to the at least one processor;
  • the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the method as described above.
  • An embodiment of the present invention further provides a non-transitory computer-readable storage medium, where the non-transitory computer-readable storage medium stores computer instructions, and the computer instructions are used to cause the computer to execute the method described above.
  • the server receives the first transaction request sent by the first processing mechanism device, and the first transaction request includes the account identification of the transaction unit.
  • the server may determine the payment mark of the trading unit according to the account identification of the trading unit, and the payment mark corresponds to the account identification.
  • the server sends a second transaction request carrying a payment token to the second processing facility device, so that the second processing facility device can use the payment token to conduct a transaction.
  • the server assigns a payment mark to the account identifier corresponding to the transaction unit, then the server can use the payment mark to process transactions related to the unit account, especially to handle transactions between unit accounts of different banks. Incorporated into the processing range of the server, it can be widely applied to the existing business of the server.
  • the user since the user does not need to apply for a bank card separately for the account of the trading unit, he can directly initiate a transaction on the account, that is, the user is not aware, which increases the convenience of the user to handle the unit account and optimizes the user experience.
  • FIG. 1 is a schematic diagram of a possible system architecture to which an embodiment of the present invention is applicable;
  • FIG. 2 is a schematic flowchart of a unit account transaction method provided by an embodiment of the present invention.
  • FIG. 3 is a schematic flowchart of a unit account transaction method according to Embodiment 1 of the present invention.
  • Embodiment 4 is a schematic flowchart of a unit account transaction method provided by Embodiment 2 of the present invention.
  • FIG. 5 is a schematic structural diagram of a unit account transaction device provided by an embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
  • the existing public payment settlement mainly meets the demand through the following channels: central bank large and small payment system and super online banking, non-bank payment institution self-linked platform, bank-enterprise direct connection, and card organization unit settlement card.
  • the central bank's large-value payment system provides a 5 * 21 hour operating window.
  • the public enterprise needs to be split into multiple transactions in order to pass the central bank's small transaction limit with a single transaction.
  • the payment system and super online banking are realized, with higher cost and lower efficiency.
  • the direct bank-enterprise channel can only support the payment and settlement of peer unit accounts, and cannot meet cross-bank needs.
  • an embodiment of the present invention provides a unit account transaction method.
  • a possible system architecture to which the method is applicable includes a terminal 101, a processing mechanism device 102, and a server 103.
  • the terminal 101 may be a mobile phone, a tablet computer or a dedicated handheld device such as a POS (point of sale) terminal, NFC (Near Field Communication, near-field wireless communication technology) and other electronic devices with transaction processing functions, and It may be a personal computer (personal computer, PC for short), a notebook computer, a server, and other payment-enabled devices.
  • the processing device 102 may be a device in an organization that processes various transactions, such as a server of each banking system, may be an independent device, or may be a server cluster formed by multiple servers.
  • the processing mechanism device 102 may use cloud computing technology for information processing.
  • the server 103 may be an independent device or a server cluster formed by multiple servers.
  • the server 103 can use cloud computing technology for information processing.
  • the server 103 may be connected to multiple processing mechanism devices 102, one processing mechanism device 102 may be connected to multiple terminals 101, and one terminal 101 may also be connected to multiple processing mechanism devices 102.
  • the transaction method of the unit account in the embodiment of the present invention allocates a payment token to the unit account based on the payment tokenization technology, and incorporates the enterprise's demand for public payment into the processing range of the server through the payment token.
  • Typical application scenarios include:
  • unit tokens Payment Token, payment tokens
  • QR code display which can be used for face-to-face payment application scenarios such as QR code scanning for mobile Internet banking or POS code scanning and NFC binding .
  • the unit account can be used to pay the purchase payment through the POS scanning unit TOKEN QR code.
  • Unit TOKEN can also be widely used in business-to-public collection business.
  • the acquirer can initiate a unit TOKEN credit account transaction to the client's unit account, which can support 7 * 24 hour real-time client funds account. Efficient fund settlement service.
  • FIG. 2 exemplarily shows a schematic flowchart of a unit account transaction method provided by an embodiment of the present invention.
  • a transaction method for a unit account implemented on the server side includes the following steps:
  • Step 201 The server receives the first transaction request sent by the first processing agency device, and the first transaction request includes the account identification of the transaction unit;
  • Step 202 The server determines the payment mark of the trading unit according to the account identification of the trading unit, and the payment mark corresponds to the account identification;
  • Step 203 The server sends a second transaction request carrying the payment token to the second processing agency device, so that the second processing agency device uses the payment token to conduct the transaction.
  • the server receives the first transaction request sent by the first processing mechanism device, and the first transaction request includes the account identification of the transaction unit.
  • the server may determine the payment mark of the trading unit according to the account identification of the trading unit, and the payment mark corresponds to the account identification.
  • the server sends a second transaction request carrying a payment token to the second processing facility device, so that the second processing facility device can use the payment token to conduct a transaction.
  • the server assigns a payment mark to the account identifier corresponding to the transaction unit, then the server can use the payment mark to process transactions related to the unit account, especially to handle transactions between unit accounts of different banks. Incorporated into the processing range of the server, it can be widely applied to the existing business of the server.
  • the user since the user does not need to apply for a bank card separately for the account of the trading unit, he can directly initiate a transaction on the account, that is, the user is unaware, which increases the convenience of the user to handle the unit account and optimizes the user experience.
  • the payment token in the embodiment of the present invention may be a unit token number generated for the account of the transaction unit through the payment tokenization technology.
  • the unit TOKEN is a payment and settlement tool generated for the unit account based on the TOKEN technology, which is associated with the unit account of the enterprise customer.
  • the unit TOKEN can be a 13 to 19 digit number beginning with 62, which conforms to the basic rules of the bank card BIN number and corresponds one-to-one with the unit account.
  • the unit token can also be a number starting with 3 or 4 and other numbers, or a string composed of a series of English characters, or a mixed character string containing numbers and English characters.
  • the specific form of the unit token in the embodiment of the present invention And the specific content is not restricted. In the transaction, the unit TOKEN number is used to replace the traditional account, so as to meet the mobile account and cardless payment needs of the unit account.
  • the server may generate a unique number according to the account number of the unit account as the payment token corresponding to the account. Specifically, in the above step 201, the server determines the payment mark of the trading unit according to the account identification of the trading unit, including:
  • the server determines that no payment mark corresponding to the account identifier is stored
  • the server generates a payment mark corresponding to the account ID according to the account ID of the transaction unit, and the payment mark is in one-to-one correspondence with the account ID.
  • the server determines that the transaction request carries the account identifier of the transaction unit, and then queries whether there is a payment mark corresponding to the account identifier. If the server determines that the payment mark corresponding to the account identifier has been stored, the server may directly use the payment mark to process the transaction request. If the server determines that there is no payment mark corresponding to the account ID, the server generates a corresponding payment mark according to the account ID of the transaction unit, which may specifically be a multi-digit number uniquely corresponding to the account ID of the unit account.
  • the server After the server generates the payment mark corresponding to the account identifier according to the account identifier of the transaction unit, the server also includes:
  • the server stores the correspondence between the account identifier and the payment token, and sends the correspondence between the account identifier and the payment token to the second processing mechanism device.
  • the server in order to facilitate subsequent processing of transactions of the same account, the correspondence between the account identifier and the payment token is stored. In this way, when the server receives the transaction request of the same account again, there is no need to repeat the process of generating the payment token, and only need to find the corresponding relationship according to the account identifier to determine the payment token.
  • the server also sends the correspondence between the account identifier and the payment token to the second processing agency device.
  • the device of the second processing mechanism may store the correspondence between the account identifier and the payment token. In this way, the payment token can be used to replace the account number between the server and the second processing structure to uniquely identify the unit account.
  • the unit account transaction method in the embodiment of the present invention includes:
  • the processing device receives the second transaction request sent by the server, and the second transaction request carries the payment mark of the trading unit, and the payment mark is determined by the server according to the account identification of the trading unit;
  • the processing facility equipment determines the account of the transaction unit corresponding to the payment mark based on the payment mark;
  • the processing facility equipment executes the second transaction request on the account of the transaction unit.
  • the processing agency device may determine that the second transaction request is a public transaction based on the payment token carried in the received second transaction request, that is, it is related to the unit account. In this way, the processing agency processes the second transaction request in the same manner as the business transaction, determines the account of the transaction unit based on the payment token, and executes the second transaction request on the account of the transaction unit.
  • the processing facility device may actively request payment tokens from the server, or may send a general transaction request to the server, and the server decides to produce corresponding payment tokens for the transaction unit.
  • the processing mechanism device sends a first transaction request to the server, where the first transaction request includes an account identification of the transaction unit, so that the server determines the payment of the transaction unit according to the account identification of the transaction unit Mark, the payment mark and the account identification are in one-to-one correspondence.
  • the processing mechanism device that sends the first transaction request and the processing mechanism device that receives the second transaction processing request may be the same processing mechanism device, or may be different processing structure devices.
  • the processing facility actively requests the server to request the server to determine a unique payment token for the unit account, so that the processing facility can use the payment token to process transaction tasks.
  • the two are devices of different processing agencies, when the processing agency sends the first transaction request to the server, the first transaction request is a normal transaction request, that is, it does not include the relevant content of the payment mark.
  • the server determines the payment mark according to the first transaction request, so that the public transaction is included in the processing range of the server, and the range of transaction processing by the server is increased.
  • the processing device determines the account of the transaction unit corresponding to the payment mark according to the payment mark, including:
  • the processing mechanism device stores the correspondence between the account identifier and the payment mark, and the correspondence is determined by the server and sent to the processing mechanism device;
  • the processing mechanism device determines the account of the transaction unit corresponding to the payment mark according to the corresponding relationship and the payment mark.
  • the correspondence relationship between the account identifier and the payment mark may be stored in the processing facility device, and the correspondence is sent by the server to the processing facility device.
  • the server can then send the payment token to the processing facility device, and the processing facility device determines the account identifier corresponding to the payment token by searching the stored data.
  • the payer terminal is connected to the first processing facility device
  • the payee terminal is connected to the second processing facility device
  • the processing mechanism equipment and the second processing mechanism equipment are both connected to the server.
  • the first processing facility device is a server in Bank A
  • the second processing facility device is a server in Bank B.
  • Step 301 The payer terminal initiates a payment (or transfer) transaction request to the first processing agency device, and the transaction request includes the account number of the payee unit account.
  • Step 302 The first processing agency device sends the payment transaction request to the server.
  • Step 303 The server queries whether the unit token is stored according to the account number of the payee unit. If yes, step 307 is executed, otherwise step 304 is executed.
  • Step 304 The server generates the payee unit TOKEN according to the account number of the payee unit, and saves the correspondence between the account number and the TOKEN.
  • Step 305 After the server generates the payee unit TOKEN, the organization unit TOKEN credits the first transaction message, and sends the first transaction message to the second processing agency device.
  • the first transaction message contains the following content:
  • Payee information (field 104), fill in auxiliary verification information, including account name, account number, business license registration number (or unified social credit code).
  • Step 306 After receiving the first transaction message, the second processing agency device recognizes that the "account owner type" is "3-unit TOKEN", reads the payee information, and saves the correspondence between the unit TOKEN and the payee information relationship.
  • Step 307 The unit TOKEN account is credited to the payee account in real time after verification. Then, step 3010 is executed.
  • Step 308 The server forms a unit TOKEN to credit the second transaction message according to the unit TOKEN, and sends the second transaction message to the second processing institution equipment.
  • the second transaction message includes the main account field, fill in the received unit TOKEN number.
  • Step 309 After receiving the second transaction message, the second processing agency device recognizes that the "account owner type" is "3-unit TOKEN", and queries the payee information from the stored data to be the payee account Credited.
  • Step 310 The second processing agency equipment notifies the payee terminal of the account entry information.
  • the second embodiment is to process the equipment of the organization to actively apply for the unit TOKEN, and bind the unit TOKEN to the application APP.
  • the TOKEN (or two-dimensional code based on TOKEN) is used to initiate the payment request.
  • the application can be initiated for enterprise customers. Can be unaware for corporate customers.
  • the following uses enterprise customers to apply for a public QR code as an example.
  • the specific steps are shown in Figure 4 and include:
  • Step 401 The enterprise customer initiates a binding account on the client (mobile enterprise online banking or merchant APP) and applies for an application request for a public QR code.
  • the application request includes the account number of the enterprise customer.
  • Step 402 The processing agency initiates an application request to the server to apply for the QR code, and the application request includes the account number of the enterprise customer.
  • Step 403 The server performs an inquiry based on the account of the enterprise client. If the corresponding unit TOKEN is found, step 405 is directly executed; if the unit TOKEN is not found, step 404 is executed.
  • Step 404 The server generates a UnionPay standard unit TOKEN for the account of the enterprise customer and saves it.
  • Step 405 The server generates a UnionPay standard QR code according to the unit TOKEN.
  • Step 406 The server returns the two-dimensional code to the processing facility equipment.
  • Step 407 The processing device sends the QR code to the client.
  • Step 408 The client displays to the enterprise client.
  • An embodiment of the present invention also provides a unit account transaction device, as shown in FIG. 5, including:
  • the receiving unit 501 is configured to receive a first transaction request sent by a device of a first processing institution, where the first transaction request includes an account identifier of a transaction unit;
  • the marking unit 502 is configured to determine the payment mark of the trading unit according to the account identification of the trading unit, the payment mark corresponding to the account identification;
  • the sending unit 503 is configured to send a second transaction request carrying the payment token to the second processing agency device, so that the second processing agency device uses the payment token to conduct a transaction.
  • marking unit 502 is specifically used to:
  • a payment mark corresponding to the account identification is generated, and the payment mark corresponds one-to-one with the account identification.
  • the marking unit 502 is also used to save the correspondence between the account identifier and the payment marker;
  • the sending unit 503 is further configured to send the corresponding relationship between the account identifier and the payment mark to the second processing mechanism device.
  • the server may be a UnionPay server or a server organized by other cards, which is not limited herein.
  • the present invention also provides an electronic device, as shown in FIG. 6, including:
  • It includes a processor 601, a memory 602, a transceiver 603, and a bus interface 604, where the processor 601, the memory 602, and the transceiver 603 are connected through a bus interface 604;
  • the processor 601 is configured to read the program in the memory 602 and execute the following methods:
  • processor 601 is specifically used to:
  • a payment mark corresponding to the account identifier is generated.
  • processor 601 is specifically used to:
  • the correspondence between the account identifier and the payment token is saved, and the correspondence between the account identifier and the payment token is sent to the second processing mechanism device.
  • These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device
  • These computer program instructions may also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, the instructions The device implements the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.

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Abstract

一种单位账户的交易方法及装置，涉及数据处理技术领域，用以提高处理单位账户的交易的便捷性。该方法包括：服务器接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识（201）；所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应（202）；所述服务器向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易（203）。

Description

一种单位账户的交易方法及装置
相关申请的交叉引用
本申请要求在2018年10月30日提交中国专利局、申请号为201811278000.2、申请名称为“一种单位账户的交易方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及数据处理技术领域，尤其涉及一种单位账户的交易方法及装置。
背景技术
我国对公支付需求市场规模巨大，场景相对简单，属于蓝海市场。目前国内对公支付服务主要经央行大小额支付系统、超级网银、非银行支付机构自联平台、以及银企直联处理，但效率不高。作为卡组织，银联基于银行卡为企业客户提供了客户资金结算、供应链、农林牧渔收购等支付服务，但客户需针对账户另外开通银行卡，手续繁琐，且受限于开通渠道等问题，存在银行卡在单位账户中覆盖率低、活卡率不高、企业客户用卡粘性极低等问题。
总的来说，现阶段对于不同银行的单位账户之间的交易，处理效率较低，不够便捷。
发明内容
本申请提供一种单位账户的交易方法及装置，用以提高处理单位账户的交易的便捷性。
本发明实施例提供的一种单位账户的交易方法，包括：
服务器接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识；
所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应；
所述服务器向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易。
一种可选的具体实施例中，所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，包括：
所述服务器确定未存有所述账户标识对应的支付标记；
所述服务器根据所述交易单位的账户标识，生成所述账户标识对应的支付标记，，所述支付标记与所述账户标识一一对应。
一种可选的具体实施例中，所述服务器根据所述交易单位的账户标识，生成所述账户标识对应的支付标记之后，还包括：
所述服务器保存所述账户标识与所述支付标记的对应关系，并将所述账户标识与所述支付标记的对应关系发送至所述第二处理机构设备。
本发明实施例还提供一种单位账户的交易方法，包括：
处理机构设备接收所述服务器发送的第二交易请求，所述第二交易请求携带有交易单位的支付标记，所述支付标记为所述服务器根据所述交易单位的账户标识确定的；
所述处理机构设备根据所述支付标记，确定所述支付标记对应的交易单位的账户；
所述处理机构设备对所述交易单位的账户执行所述第二交易请求。
一种可选的具体实施例，还包括：
所述处理机构设备向所述服务器发送第一交易请求，所述第一交易请求中包括交易单位的账户标识，以使所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识一一对应。
一种可选的具体实施例中，所述处理机构设备根据所述支付标记，确定所述支付标记对应的交易单位的账户，包括：
所述处理机构设备存储有账户标识与支付标记的对应关系，所述对应关 系是所述服务器确定并发送给所述处理机构设备的；
所述处理机构设备根据所述对应关系和所述支付标记，确定所述支付标记对应的交易单位的账户。
本发明实施例提供一种单位账户的交易装置，包括：
接收单元，用于接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识；
标记单元，用于根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应；
发送单元，用于向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易。
一种可选的具体实施例中，所述标记单元，具体用于：
确定未存有所述账户标识对应的支付标记；
根据所述交易单位的账户标识，生成所述账户标识对应的支付标记，所述支付标记与所述账户标识一一对应。
一种可选的具体实施例中，所述标记单元，还用于保存所述账户标识与所述支付标记的对应关系；
所述发送单元，还用于将所述账户标识与所述支付标记的对应关系发送至所述第二处理机构设备。
本发明实施例还提供一种电子设备，包括：
至少一个处理器；以及，与所述至少一个处理器通信连接的存储器；
其中，所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够执行如上所述的方法。
本发明实施例还提供一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行如上所述的方法。
本发明实施例中，服务器接收第一处理机构设备发送的第一交易请求，第 一交易请求中包括交易单位的账户标识。服务器可以根据交易单位的账户标识，确定交易单位的支付标记，该支付标记与账户标识相对应。服务器向第二处理机构设备发送携带支付标记的第二交易请求，这样第二处理机构设备可以利用该支付标记进行交易。本发明实施例中，服务器为交易单位对应的账户标识分配了支付标记，则服务器可以利用该支付标记处理单位账户相关的交易，尤其是处理不同银行的单位账户之间的交易，将对公交易纳入了服务器的处理范围，可广泛应用于服务器的已有业务。此外，对于用户层面，由于用户无需针对交易单位的账户再另行申请银行卡，可以对账户直接发起交易，即用户无感知，增加了用户处理单位账户的便捷性，优化了用户体验。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简要介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域的普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例所适用的一种可能的系统构架的示意图；
图2为本发明实施例提供的一种单位账户的交易方法的流程示意图；
图3为本发明实施例一提供的单位账户的交易方法的流程示意图；
图4为本发明实施例二提供的单位账户的交易方法的流程示意图；
图5为本发明实施例提供的一种单位账户的交易装置的结构示意图；
图6为本发明实施例提供的电子设备的结构示意图。
具体实施方式
为了使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明作进一步地详细描述，显然，所描述的实施例仅仅是本发明一部份实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其它实施例，都属于本发明保护的 范围。
现有对公支付结算主要通过如下途径实现需求：央行大小额支付系统和超级网银、非银行支付机构自联平台、银企直联、卡组织单位结算卡。
上述几种实现方法存在局限性：
(1)央行大额支付系统提供5*21小时运行窗口，对于非工作时间的跨行对公支付需求，对公企业需要将拆分为多笔，方能通过单笔交易限额较低的央行小额支付系统和超级网银实现，成本较高，效率较低。
(2)在央行为防范结算资金风险而提出的断直连监管要求下，非银行支付机构自联银行的平台业务将属于违规行为，需要取缔。
(3)银企直联通道仅可以支持同行的单位账户的支付结算，无法满足跨行需求。
(4)对于卡组织针对对公客户市场推出的单位结算卡，其持卡用户仍习惯于提供单位账户，并未养成提供单位结算卡的用户习惯，且单位结算卡用户规模小、尚未覆盖现有对公用户市场。
为了解决上述问题，本发明实施例提供了一种单位账户的交易方法。该方法所适用的一种可能的系统构架，如图1所示，包括终端101、处理机构设备102、以及服务器103。其中，终端101可以是手机、平板电脑或者是专用的手持设备如POS(point of sale，销售终端)机、NFC(Near Field Communication，近距离无线通讯技术)等具有处理交易功能的电子设备，也可以是个人计算机(personal computer，简称PC)，笔记本电脑，服务器等其它可以进行支付的设备。
处理机构设备102可以是处理各种交易的机构中的设备，如各银行系统的服务器，可以是一个独立的设备，也可以是多个服务器所形成的服务器集群。优选地，处理机构设备102可以采用云计算技术进行信息处理。服务器103可以是一个独立的设备，也可以是多个服务器所形成的服务器集群。优选地，服务器103可以采用云计算技术进行信息处理。
服务器103可以连接多个处理机构设备102，一个处理机构设备102可以 连接多个终端101，一个终端101也可以与多个处理机构设备102相连。
本发明实施例中的单位账户的交易方法基于支付标记化技术为单位账户分配支付一个支付标记，通过支付标记将企业对公支付需求纳入服务器的处理范围。其典型的应用场景包括：
1、付款类业务
银行通过为单位账户申请单位TOKEN(Payment Token，支付标记)，并生成标准二维码展示，可用于手机网银二维码扫码支付或通过POS扫码支付、NFC绑定等面对面付款类应用场景。比如，在供应链采购付款业务中，可通过POS扫单位TOKEN二维码实现单位账户支付采购款项。
2、收款类业务
单位TOKEN也可广泛应用于企业对公收款业务，如客户资金结算业务中，收单机构通过向客户的单位账户发起单位TOKEN贷记入账交易，可支持7*24小时实时客户资金入账，提供高效资金结算服务。
图2示例性示出了本发明实施例提供的一种单位账户的交易方法的流程示意图。
基于前述内容，如图2所示，本发明实施例提供的在服务器侧实现的一种单位账户的交易方法，包括以下步骤：
步骤201、服务器接收第一处理机构设备发送的第一交易请求，第一交易请求中包括交易单位的账户标识；
步骤202、服务器根据所述交易单位的账户标识，确定交易单位的支付标记，支付标记与账户标识相对应；
步骤203、服务器向第二处理机构设备发送携带支付标记的第二交易请求，以使第二处理机构设备利用支付标记进行交易。
本发明实施例中，服务器接收第一处理机构设备发送的第一交易请求，第一交易请求中包括交易单位的账户标识。服务器可以根据交易单位的账户标识，确定交易单位的支付标记，该支付标记与账户标识相对应。服务器向第二处理机构设备发送携带支付标记的第二交易请求，这样第二处理机构设备 可以利用该支付标记进行交易。本发明实施例中，服务器为交易单位对应的账户标识分配了支付标记，则服务器可以利用该支付标记处理单位账户相关的交易，尤其是处理不同银行的单位账户之间的交易，将对公交易纳入了服务器的处理范围，可广泛应用于服务器的已有业务。此外，对于用户层面，由于用户无需针对交易单位的账户再另行申请银行卡，可以对账户直接发起交易，即用户无感知，增加了用户处理单位账户的便捷性，优化了用户体验。
本发明实施例中的支付标记，可以是通过支付标记化技术为交易单位的账户生成一个单位TOKEN号。该单位TOKEN是与企业客户的单位账户相关联，基于TOKEN技术，为单位账户生成的支付结算工具。具体的，单位TOKEN可以是一个62开头的13至19位数字，符合银行卡BIN号基本规则，与单位账户一一对应。当然，单位TOKEN也可以为3或4等其它数字开头的数字，或者为一串英文字符组成的字符串，或者为包含数字和英文字符的混合字符串，本发明实施例对单位TOKEN的具体形式以及具体内容不做限制。在交易中使用单位TOKEN号替换传统的账号，从而满足单位账户移动化、无卡化支付需求。
本发明实施例中的支付标记，为了与单位账户一一对应，可以由服务器根据单位账户的账号生成一个唯一的数字，作为该账号对应的支付标记。具体来说，上述步骤201中，服务器根据交易单位的账户标识，确定交易单位的支付标记，包括：
所述服务器确定未存有所述账户标识对应的支付标记；
所述服务器根据所述交易单位的账户标识，生成所述账户标识对应的支付标记，所述支付标记与所述账户标识一一对应。
在具体实施过程中，服务器接收到处理机构设备发送的交易请求后，确定交易请求中携带了交易单位的账户标识，则查询是否存有该账户标识对应的支付标记。若服务器确定已存有该账户标识对应的支付标记，则服务器可以直接利用该支付标记对交易请求进行处理。若服务器确定未存有该账户标识对应的支付标记，则服务器根据该交易单位的账户标识，生成对应的支付 标记，具体可以是与单位账户的账户标识唯一对应的一个多位数字。
进一步，服务器根据交易单位的账户标识，生成账户标识对应的支付标记之后，还包括：
所述服务器保存所述账户标识与所述支付标记的对应关系，并将所述账户标识与所述支付标记的对应关系发送至所述第二处理机构设备。
具体的，服务器生成支付标记之后，为了便于后续对同一个账户的交易进行处理，将账户标识与支付标记的对应关系进行存储。这样，当服务器再次接收到同一个账户的交易请求时，无需重复支付标记的生成过程，只需根据账户标识查找对应关系，即可确定支付标记。同时，服务器还将账户标识与支付标记的对应关系发送至第二处理机构设备。可以使第二处理机构设备将账户标识与支付标记的对应关系进行存储。这样，服务器与第二处理结构之间即可利用该支付标记替代账号，来唯一标识单位账户。
对应于处理机构侧，本发明实施例中的单位账户的交易方法，包括：
处理机构设备接收服务器发送的第二交易请求，第二交易请求携带有交易单位的支付标记，支付标记为服务器根据交易单位的账户标识确定的；
处理机构设备根据支付标记，确定支付标记对应的交易单位的账户；
处理机构设备对交易单位的账户执行第二交易请求。
对于处理机构而言，处理机构设备可以根据接收到的第二交易请求中携带的支付标记，确定该第二交易请求为对公交易，即与单位账户相关。这样，处理机构按照处理对公交易的方式处理第二交易请求，根据支付标记确定交易单位的账户，从而对交易单位的账户执行第二交易请求。
处理机构设备可以主动向服务器请求支付标记，也可以向服务器发送一般的交易请求，由服务器决定为交易单位生产对应的支付标记。
本发明实施例中，还包括：
所述处理机构设备向所述服务器发送第一交易请求，所述第一交易请求中包括交易单位的账户标识，以使所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识一一对应。
这里，发送第一交易请求的处理机构设备与接收第二交易处理请求的处理机构设备可以是同一个处理机构设备，也可以是不同的处理结构设备。当两者为同一个的处理机构设备时，为处理机构主动向服务器请求，请求服务器为单位账户确定唯一的支付标记，便于该处理机构利用支付标记处理交易任务。当两者为不同处理机构设备时，处理机构向服务器发送第一交易请求时，该第一交易请求为普通的交易请求，即不包含支付标记的相关内容。服务器根据第一交易请求确定支付标记，从而将对公交易纳入服务器的处理范围，增加服务器进行交易处理的范围。
所述处理机构设备根据所述支付标记，确定所述支付标记对应的交易单位的账户，包括：
所述处理机构设备存储有账户标识与支付标记的对应关系，所述对应关系是所述服务器确定并发送给所述处理机构设备的；
所述处理机构设备根据所述对应关系和所述支付标记，确定所述支付标记对应的交易单位的账户。
在具体实施过程中，处理机构设备中可以存储有账户标识与支付标记的对应关系，该对应关系为服务器发送给处理机构设备。这样，之后服务器即可向处理机构设备发送该支付标记，处理机构设备通过查找存储的数据，确定支付标记对应的账户标识。
为了更清楚地理解本发明，下面以具体实施例对上述流程进行详细描述，实施例一中，付款方终端与第一处理机构设备相连，收款方终端与第二处理机构设备相连，第一处理机构设备与第二处理机构设备均与服务器相连。其中，第一处理机构设备为A银行中的服务器，第二处理机构设备为B银行中的服务器。
具体步骤如图3所示，包括：
步骤301：付款方终端向第一处理机构设备发起付款(或转账)交易请求，该交易请求中包含了收款方单位账户的账号。
步骤302：第一处理机构设备将付款交易请求发送给服务器。
步骤303：服务器根据收款方单位的账号，查询是否存储有单位TOKEN，若是，则执行步骤307，否则执行步骤304。
步骤304：服务器根据收款方单位的账号，生成收款方单位TOKEN，并将账号与TOKEN的对应关系进行保存。
步骤305：服务器生成收款方单位TOKEN后，组建单位TOKEN贷记第一交易报文，并将第一交易报文向第二处理机构设备发送。其中第一交易报文包含内容如下：
(1)主账号域，填写收到的单位TOKEN号；
(2)账号所有人类型标识(60.2.1域)，填写为“3-单位TOKEN”；
(3)收款方信息(104域)，填写辅助验证信息，包括账户名称、账号、营业执照注册号(或统一社会信用代码)。
步骤306：第二处理机构设备接收到第一交易报文后，识别“账户所有人类型”为“3-单位TOKEN”，读取收款方信息，并保存单位TOKEN与收款方信息的对应关系。
步骤307：将单位TOKEN账户验证通过后实时为该收款方账户贷记入账。之后执行步骤3010。
步骤308：服务器根据单位TOKEN，组建单位TOKEN贷记第二交易报文，并将第二交易报文向第二处理机构设备发送。其中第二交易报文中包括主账号域，填写收到的单位TOKEN号。
步骤309：第二处理机构设备接收到第二交易报文后，识别“账户所有人类型”为“3-单位TOKEN”，从存储的数据中查询到收款方信息，为该收款方账户贷记入账。
步骤310：第二处理机构设备通知收款方终端入账信息。
实施例二为处理机构设备主动申请单位TOKEN，并将单位TOKEN与应用APP绑定，在支付时直接以TOKEN(或基于TOKEN的二维码)发起支付需求，可以为企业客户发起的申请，也可以为企业客户无感知。下面以企业客户申请对公二维码为例，具体步骤如图4所示，包括：
步骤401：企业客户在客户端(手机企业网银或商户APP)上发起绑定账户并申请对公二维码的申请请求，申请请求中包括该企业客户的账号。
步骤402：处理机构向服务器发起申请请求，以申请二维码，该申请请求中包括该企业客户的账号。
步骤403：服务器根据企业客户的账号进行查询，如查到对应的单位TOKEN，则直接执行步骤405；如查不到单位TOKEN，则执行步骤404。
步骤404：服务器为该企业客户的账号生成银联标准单位TOKEN，并进行保存。
步骤405：服务器根据单位TOKEN生成银联标准二维码。
步骤406：服务器将二维码返回给处理机构设备。
步骤407：处理机构设备将二维码发送给客户端。
步骤408：客户端向企业客户进行展示。
企业客户通过二维码，可在银联网络开展消费、面对面企业付款等业务。
本发明实施例还提供了一种单位账户的交易装置，如图5所示，包括：
接收单元501，用于接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识；
标记单元502，用于根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应；
发送单元503，用于向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易。
进一步，所述标记单元502，具体用于：
确定未存有所述账户标识对应的支付标记；
根据所述交易单位的账户标识，生成所述账户标识对应的支付标记，所述支付标记与所述账户标识一一对应。
进一步，所述标记单元502，还用于保存所述账户标识与所述支付标记的对应关系；
所述发送单元503，还用于将所述账户标识与所述支付标记的对应关系发 送至所述第二处理机构设备。
在此，服务器可以为银联服务器，也可以为其余卡组织的服务器，在此不做限定。
基于相同的原理，本发明还提供一种电子设备，如图6所示，包括：
包括处理器601、存储器602、收发机603、总线接口604，其中处理器601、存储器602与收发机603之间通过总线接口604连接；
所述处理器601，用于读取所述存储器602中的程序，执行下列方法：
接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识；
根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应；
向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易。
进一步地，所述处理器601具体用于：
确定未存有所述账户标识对应的支付标记；
根据所述交易单位的账户标识，生成所述账户标识对应的支付标记。
进一步地，所述处理器601具体用于：
保存所述账户标识与所述支付标记的对应关系，并将所述账户标识与所述支付标记的对应关系发送至所述第二处理机构设备。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包括这些改动和变型在内。

Claims (11)

  1. 一种单位账户的交易方法，其特征在于，包括：
    服务器接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识；
    所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应；
    所述服务器向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易。
  2. 如权利要求1所述的方法，其特征在于，所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，包括：
    所述服务器确定未存有所述账户标识对应的支付标记；
    所述服务器根据所述交易单位的账户标识，生成所述账户标识对应的支付标记，所述支付标记与所述账户标识一一对应。
  3. 如权利要求2所述的方法，其特征在于，所述服务器根据所述交易单位的账户标识，生成所述账户标识对应的支付标记之后，还包括：
    所述服务器保存所述账户标识与所述支付标记的对应关系，并将所述账户标识与所述支付标记的对应关系发送至所述第二处理机构设备。
  4. 一种单位账户的交易方法，其特征在于，包括：
    处理机构设备接收所述服务器发送的第二交易请求，所述第二交易请求携带有交易单位的支付标记，所述支付标记为所述服务器根据所述交易单位的账户标识确定的；
    所述处理机构设备根据所述支付标记，确定所述支付标记对应的交易单位的账户；
    所述处理机构设备对所述交易单位的账户执行所述第二交易请求。
  5. 如权利要求4所述的方法，其特征在于，还包括：
    所述处理机构设备向所述服务器发送第一交易请求，所述第一交易请求 中包括交易单位的账户标识，以使所述服务器根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识一一对应。
  6. 如权利要求4所述的方法，其特征在于，所述处理机构设备根据所述支付标记，确定所述支付标记对应的交易单位的账户，包括：
    所述处理机构设备存储有账户标识与支付标记的对应关系，所述对应关系是所述服务器确定并发送给所述处理机构设备的；
    所述处理机构设备根据所述对应关系和所述支付标记，确定所述支付标记对应的交易单位的账户。
  7. 一种单位账户的交易装置，其特征在于，包括：
    接收单元，用于接收第一处理机构设备发送的第一交易请求，所述第一交易请求中包括交易单位的账户标识；
    标记单元，用于根据所述交易单位的账户标识，确定所述交易单位的支付标记，所述支付标记与所述账户标识相对应；
    发送单元，用于向第二处理机构设备发送携带所述支付标记的第二交易请求，以使所述第二处理机构设备利用所述支付标记进行交易。
  8. 如权利要求7所述的装置，其特征在于，所述标记单元，具体用于：
    确定未存有所述账户标识对应的支付标记；
    根据所述交易单位的账户标识，生成所述账户标识对应的支付标记，所述支付标记与所述账户标识一一对应。
  9. 如权利要求7所述的装置，其特征在于，
    所述标记单元，还用于保存所述账户标识与所述支付标记的对应关系；
    所述发送单元，还用于将所述账户标识与所述支付标记的对应关系发送至所述第二处理机构设备。
  10. 一种电子设备，其特征在于，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所 述至少一个处理器执行，以使所述至少一个处理器能够执行权利要求1-3任一所述的方法。
  11. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求1～3任一所述方法。
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