WO2021092791A1

WO2021092791A1 - Payment account management method, payment management system and device

Info

Publication number: WO2021092791A1
Application number: PCT/CN2019/117996
Authority: WO
Inventors: 刘贞平; 柳彤; 朱大卫; 汤慧秀
Original assignee: 深圳海付移通科技有限公司
Priority date: 2019-11-13
Filing date: 2019-11-13
Publication date: 2021-05-20
Also published as: CN111819588A

Abstract

A payment account management method, a payment management system, and a device. The payment management system comprises: an external system, a transaction system, and an account system. The payment account management method comprises: the external system calls an account interface to send an account management instruction to the transaction system (S101); the transaction system creates an account management order according to the account management instruction, and sends the account management order to the account system (S102); the account system executes the account management order and returns account management information to the transaction system (S103); and the transaction system updates the account management order according to the account management information (S104). The described method may automatically manage the account of a customer on the basis of the account management instruction of the customer, and improve the working efficiency of the payment management system.

Description

Payment account management method, payment management system and device

Technical field

This application relates to the field of electronic payment technology, in particular to a payment account management method, payment management system and device.

Background technique

With the continuous development of science and technology, shopping payment methods have gradually evolved from cash payment methods to electronic payment methods. The use of cash has gradually decreased, and then the existing payment management system has inefficient management and cannot meet the needs of users. When the user has account management needs such as account balance inquiry, recharge, transfer, payment and withdrawal, the user needs to go to the physical branch to handle it. The physical network staff compares the user’s personal data, and the physical network can be submitted to the next-level processing system after passing the verification. This traditional account management method is not conducive to users to efficiently make electronic payments.

Technical solutions

This application provides a payment account management method, a payment management system, and a device to solve the problem of complicated and cumbersome user account management process in the prior art.

To solve the above technical problems, this application proposes a payment account management method, which is applied to a payment management system, and the payment management system includes at least an external system, a transaction system, and an account system;

The payment account management method includes:

The external system calls the account interface to send account management instructions to the trading system;

The trading system creates an account management order according to the account management instruction, and sends the account management order to the account system;

The account system executes the account management order and returns account management information to the trading system;

The transaction system updates the account management order according to the account management information.

In order to solve the above technical problems, this application proposes a payment management system, which includes at least an external system, a transaction system, and an account system;

Wherein, the external system is used to call an account interface to send account management instructions to the trading system;

The transaction system is configured to create an account management order according to the account management instruction, and send the account management order to the account system;

The account system is used to execute the account management order and return account management information to the trading system;

The transaction system is further configured to update the account management order according to the account management information.

In order to solve the above technical problems, this application proposes a payment management device equipped with the above payment management system, and the payment management system is used to execute the above payment account management method.

Different from the prior art, the beneficial effects of this application are: the external system calls the account interface to send account management instructions to the trading system; the trading system creates account management orders according to the account management instructions and sends the account management orders to the account system; the account system executes Account management orders and return account management information to the trading system; the trading system updates the account management orders based on the account management information. The payment account management method provided in this application can automatically manage the customer's account based on the customer's account management instruction, and improve the work efficiency of the payment management system.

Description of the drawings

In order to explain the technical solutions in the embodiments of the present invention more clearly, the following will briefly introduce the drawings needed in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained from these drawings without creative work.

Fig. 1 is a schematic flowchart of a first embodiment of a payment account management method provided by the present application;

2 is a schematic flowchart of a second embodiment of the payment account management method provided by the present application;

FIG. 3 is a schematic diagram of the structure of the master and sub-account system in the embodiment of FIG. 2;

4 is a schematic flowchart of a third embodiment of the payment account management method provided by the present application;

FIG. 5 is a schematic flowchart of a fourth embodiment of the payment account management method provided by the present application;

FIG. 6 is a schematic flowchart of a fifth embodiment of a payment account management method provided by the present application;

Figure 7 is a schematic structural diagram of an embodiment of the payment management system provided by the present application;

FIG. 8 is a schematic structural diagram of another embodiment of the payment management system provided by the present application;

Fig. 9 is a schematic structural diagram of an embodiment of a payment management device provided by the present application.

Embodiments of the present invention

The technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

In order to solve the complicated and cumbersome problem of current traditional account management methods, this application proposes a payment account management method. Please refer to FIG. 1 for details. FIG. 1 is a schematic flowchart of the first embodiment of the payment account management method provided by the present application. The payment account management method of the present application is applied to a payment management system.

Among them, the payment management system of this application includes at least an external system, a transaction system, and an account system. The external system may include the system of the front office business department and/or the system of the customer, where the customer may be an individual or a merchant, and the merchant may be an enterprise. The trading system is used to create and manage account management orders in the electronic payment process, and is also used to call the account system to execute account management orders. The account system is used to manage the accounts opened in the payment management system. The specific functions include opening an account, updating an account, and canceling an account.

As shown in Figure 1, the payment account management method of this embodiment specifically includes the following steps:

S101: The external system calls the account interface to send an account management instruction to the trading system.

Among them, when a customer needs to manage his own account, the customer enters his own needs through an external system, such as the account management business that needs to be handled and the objects to be handled. After the external system receives the input instruction from the customer, it calls the account interface to send the account management instruction to the trading system.

Further, before the transaction system receives the account management instruction, the payment management system may also first detect whether the account management instruction is legal. Specifically, the payment management system further includes a front-end gateway, and the front-end gateway respectively establishes a communication connection with the external system and the transaction system. The front gateway is used to connect two network segments that use different transmission protocols together. When the external system and the transaction system use different transmission protocols, the front gateway can perform data processing on the two network segments using different transmission protocols. Mutual translation conversion.

Specifically, the external system sends the customer's account management instruction to the front-end gateway, and the front-end gateway checks the legitimacy of the interface of the account management instruction. When the account management command passes the interface legality check, the front-end gateway forwards the account management command to the trading system; when the account management command fails to pass the interface legality check, the front-end gateway rejects the account management command and returns an error to the external system Information, where the error information includes the location of the format error in the account management instruction.

After the account management instructions pass the interface legitimacy check, the front-end gateway can also check the account status to determine whether the account status meets the requirements of account management, for example, to determine whether the account status is unfrozen, and whether the account balance is greater than or equal to the account management The amount of demand and so on. The front-end gateway can send account management instructions to the trading system after the account status has passed the check.

S102: The trading system creates an account management order according to the account management instruction, and sends the account management order to the account system.

Among them, the trading system creates an account management order according to the account management instruction, and the account management order includes information such as execution time, management items, and management account. The management items may include one or a combination of account balance inquiry, recharge, transfer, payment and withdrawal. Since the main account system can be set up in the account system, one or more, one-level or multi-level sub-accounts can be set up under the main account in the main sub-account system. Therefore, the management account of this application can be the main account or the sub-account. Account, you can also manage the main account and sub-account at the same time.

The trading system sends the account management order to the account system so that the account system executes the management of the account according to the account management order.

S103: The account system executes the account management order and returns the account management information to the trading system.

Among them, the account system executes account management orders according to the management items of the account, and returns account management information to the trading system. The account management information may include management completion information and management failure information.

S104: The trading system updates the account management order according to the account management information.

Among them, the trading system updates the account management order. When the account system successfully completes the management items, the trading system notifies the front gateway and the processing results of the external system management; when the account system fails to complete the management items, the trading system manages the order history in the account The management failure information is recorded in the middle, and the management failure information is returned to the front gateway and external system.

In this embodiment, the external system calls the account interface to send account management instructions to the trading system; the trading system creates account management orders according to the account management instructions, and sends the account management orders to the account system; the account system executes the account management orders and sends them to the transaction The system returns the account management information; the trading system updates the account management order based on the account management information. The payment account management method provided in this application can automatically manage the customer's account based on the customer's account management instruction, and improve the work efficiency of the payment management system.

For the embodiment shown in FIG. 1, the account interface called by the external system can be a balance query interface, which can be used to implement the balance query function of payment account management. This application further proposes another specific payment account management method. Please continue to refer to FIG. 2, which is a schematic flowchart of the second embodiment of the payment account management method provided by the present application.

As shown in Figure 2, the payment account management method of this embodiment specifically includes the following steps:

S201: The external system calls the balance query interface to send a balance query instruction to the transaction system.

Among them, when a customer needs to check the balance of his account, the customer enters his own needs through the external system, such as the account number that needs to check the balance. After the external system receives the input instruction from the customer, it calls the balance inquiry interface to send the balance inquiry instruction to the trading system.

S202: The trading system creates a balance query order according to the balance query instruction, and sends the balance query order to the account system, where the balance query order includes the specified account name and account type.

Among them, please refer to the schematic diagram of the main sub-account system in Fig. 3, the main account in the main sub-account system of this application can be set up with one or more, one-level or multi-level sub-accounts. As shown in Figure 3, there are a total of three levels of account levels in the main sub-account system, that is, the main account-the second-level sub-account-the third-level sub-account. Among them, the second-level sub-account inherits the functions of the main account, and the third-level sub-account inherits the functions of the second-level sub-account corresponding to the superior.

Other basic accounts or functional accounts can also be opened under the master account, and basic accounts or functional accounts can also be opened for sub-accounts through inheritance or independent opening. In Figure 3, there are basic accounts, fee accounts, and functional accounts under the main account, and basic accounts are set under the secondary sub-account and the tertiary sub-account.

The balance inquiry order includes at least the basic account or functional account designated under the master account.

S203: The account system executes the balance query order, and returns balance query information to the transaction system, where the balance query information includes the query account and corresponding balance information.

Among them, the account system queries the balance of one or more basic accounts or functional accounts in the main account according to the balance query order.

For example, when a customer needs to query the balance of A basic account under the main account, the account system returns at least two parameters, as follows:

(1) A basic account balance: 100 (need to return the A basic account balance, available balance, and frozen amount)

(2) The aggregate balance of the main and sub-accounts: 270=120+150 (need to return the balance, available balance, and frozen balance of the A1 basic account; the balance, available balance, and frozen balance of the A3 basic account).

For another example, when a customer needs to query the balance of the B handling fee account under the master account, the account system returns at least two parameters, as follows:

(1) B handling fee account balance: 200 (need to return the B handling fee account balance, available balance, and frozen amount)

(2) The summary balance of the main sub-account: empty or 0 (because the secondary sub-account and the third-level sub-account have not opened a handling fee account)

S204: The transaction system updates the balance query order according to the balance query information.

For the embodiment shown in FIG. 1, the account interface called by the external system may be an account recharge interface, which may be used to implement the account recharge function of payment account management. This application further proposes another specific payment account management method. Please continue to refer to FIG. 4, which is a schematic flowchart of the third embodiment of the payment account management method provided by the present application.

As shown in Figure 4, the payment account management method of this embodiment specifically includes the following steps:

S301: The external system calls the account recharge interface to send an account recharge instruction to the trading system.

S302: The trading system creates an account recharge order according to the account recharge instruction, and sends the account recharge order to the account system, where the account recharge order includes the designated account name and the recharge amount.

Among them, the transaction system obtains the recharge method according to the account recharge instruction. In this application, the payment management system supports two recharge modes, which are as follows:

A- Direct recharge (ie passive recharge): initiated by an external system, and actively call the account recharge interface to complete the recharge.

B-Third-party recharge (that is, active recharge): The account system is connected to the third-party recharge system, and the account system calls the deduction channel of the third-party recharge system to complete the recharge.

Taking the A-direct recharge recharge method as an example, the trading system selects the current recharge method directly credited to the account, and sends the recharge method to the account system for execution.

S303: The account system executes the account recharge order, and returns account recharge information to the trading system, where the account recharge information includes a recharge account and corresponding recharge information.

Among them, the account system creates an account flow based on the recharge amount in the account recharge order and the direct recharge method, and recharges the designated account name according to the recharge amount in the account flow.

S304: The trading system updates the account recharge order according to the account recharge information.

For the embodiment shown in FIG. 1, the account interface called by the external system may be an account transfer interface, which may be used to implement the account transfer function of payment account management. This application further proposes another specific payment account management method. Please continue to refer to FIG. 5, which is a schematic flowchart of the fourth embodiment of the payment account management method provided by the present application.

As shown in Figure 5, the payment account management method of this embodiment specifically includes the following steps:

S401: The external system calls the account transfer interface to send an account transfer instruction to the transaction system.

S402: The transaction system creates an account transfer order according to the account transfer instruction, and sends the account transfer order to the account system, where the account transfer order includes the designated account name and the transfer amount.

S403: The account system executes the account transfer order, and returns account transfer information to the transaction system, where the account transfer information includes the transfer account and corresponding transfer information.

Among them, the account system obtains the transfer type and the transfer amount according to the account transfer order. The account system further creates an account flow based on the transfer type and transfer amount, and completes the transfer through the account flow.

Further, in this application, the payment management system supports two transfer modes, which are as follows:

A-Single transfer: transfer from A virtual account to B virtual account.

B-Batch transfer / split account: A virtual account transfers to the virtual accounts of B, C, and D.

Among them, the above virtual accounts are all completed in the payment management system, and sufficient funds for transfer are stored in the virtual accounts.

S404: The transaction system updates the account transfer order according to the account transfer information.

For the embodiment shown in FIG. 1, the account interface called by the external system can be an account payment interface, which can be used to implement the account payment function of payment account management. This application further proposes another specific payment account management method. Please continue to refer to FIG. 6, which is a schematic flowchart of the fifth embodiment of the payment account management method provided by the present application.

S501: The external system calls the account payment interface to send an account payment instruction to the transaction system.

The account interface in this embodiment may also be an account withdrawal interface. The process of implementing the account payment function of the payment management system of this embodiment is basically the same as the process of implementing the account withdrawal function, and will not be repeated here.

S502: The trading system creates an account payment order according to the account payment instruction, and freezes the account corresponding to the account payment order.

Among them, the trading system freezes the account corresponding to the account payment order, and freezes the account balance of the account through the account system, so that the account can only be paid through a third-party payment method.

S503: The transaction system invokes the third-party payment system to perform payment on the frozen account, and unfreeze the account through the account system.

Wherein, the payment management system of this embodiment also includes a third-party payment system, and the third-party payment system establishes a communication connection with the account system to implement the third-party payment function of the account system.

S504: The transaction system updates the account payment order according to the payment result.

Among them, when the payment result is successful, the transaction system calls the account unfreezing and spending interface of the account system to unfreeze the account, and unfreeze the account balance of the account and the payment amount of the third-party payment system through the account system. Then the trading system updates the account to pay the order as a success, and informs the front-end gateway and the external system.

When the payment result is a failure, the trading system will unfreeze the account and unfreeze the account balance of the account through the account system. Furthermore, the transaction system failed to update the account to pay the order and notify the front-end gateway and the external system.

In order to solve the complicated and cumbersome problems of current traditional account management methods, this application also proposes a payment management system. Please refer to FIG. 7 for details. FIG. 7 is a schematic structural diagram of an embodiment of the payment management system provided by the present application.

As shown in FIG. 7, the payment management system 700 of this embodiment at least includes an external system 71, a transaction system 72, and an account system 73.

The external system 71 is used to call the account interface to send account management instructions to the trading system 72.

The trading system 72 is configured to create an account management order according to the account management instruction, and send the account management order to the account system 73.

The account system 73 is used to execute account management orders and return account management information to the trading system 72.

The trading system 72 is also used to update the account management order according to the account management information.

In order to solve the complicated and cumbersome problems of current traditional account management methods, this application also proposes another payment management system. Please refer to FIG. 8 for details. FIG. 8 is a schematic structural diagram of another embodiment of the payment management system provided by the present application.

As shown in FIG. 8, the payment management system 800 of this embodiment at least includes an external system 81, a front-end gateway 82, a transaction system 83, an account system 84 and a third-party payment system 85.

The external system 81 is used to call the account interface to send account management instructions to the front gateway 82.

The front-end gateway 82 is used to check the interface legitimacy of the account interface. After passing the interface legitimacy check, check the account status, and after passing the check, send the account management instruction to the trading system 83.

The external system 81 is used to call the account payment interface to send an account payment instruction to the transaction system 83.

The transaction system 83 is configured to create an account payment order according to the account payment instruction, and freeze the account corresponding to the account payment order.

The transaction system 83 is also used to call the third-party payment system 85 to perform payment on the frozen account, and to unfreeze the account through the account system 84.

The transaction system 83 is further configured to update the account payment order according to the payment result.

In order to solve the complicated and cumbersome problems of the current traditional account management methods, this application also proposes a specific payment management device. Please refer to FIG. 9 for details. FIG. 9 is a schematic structural diagram of an embodiment of the payment management device provided by the present application.

Wherein, the payment management device 900 is equipped with the payment management system 91 in the foregoing embodiment, and the payment management system 91 is used to execute the payment account management method in the foregoing embodiment.

The above are only the embodiments of the present invention, and do not limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made by using the content of the description and drawings of the present invention, or directly or indirectly applied to other related technologies In the same way, all fields are included in the scope of patent protection of the present invention.

Claims

A payment account management method, characterized in that the payment account management method is applied to a payment management system, and the payment management system includes: an external system, a transaction system, and an account system;

The payment account management method includes:

The external system calls the account interface to send account management instructions to the trading system;

The trading system creates an account management order according to the account management instruction, and sends the account management order to the account system;

The account system executes the account management order and returns account management information to the trading system;

The transaction system updates the account management order according to the account management information.
The payment account management method according to claim 1, wherein:

The payment management system further includes a front-end gateway, and the front-end gateway respectively establishes a communication connection with the external system and the transaction system;

The step of calling the account interface by the external system to send account management instructions to the trading system includes:

The external system calls an account interface to send an account management instruction to the front-end gateway;

The front-end gateway performs an interface legality check on the account interface, after passing the interface legality check, checks the account status, and after passing the check, sends the account management instruction to the transaction system.
The payment account management method according to claim 1, wherein:

The account interface includes a balance query interface, and the payment account management method includes:

The external system calls the balance query interface to send a balance query instruction to the transaction system;

The transaction system creates a balance query order according to the balance query instruction, and sends the balance query order to the account system, where the balance query order includes a designated account name and account type;

The account system executes the balance query order and returns balance query information to the transaction system, where the balance query information includes the query account and corresponding balance information;

The transaction system updates the balance query order according to the balance query information.
The payment account management method according to claim 3, wherein:

The account includes a main account and a sub-account;

The step of executing the balance inquiry order by the account system includes:

The account system obtains the master account balance information according to the designated master account and the corresponding account type;

The account system obtains the summary balance information of the master sub-account of the account type corresponding to the sub-account according to the account type of the master account;

The account system obtains the balance query information according to the master account balance information and the master sub-account summary balance information.
The payment account management method according to claim 1, wherein:

The account interface includes an account recharge interface, and the payment account management method includes:

The external system calls the account recharge interface to send an account recharge instruction to the transaction system;

The transaction system creates an account recharge order according to the account recharge instruction, and sends the account recharge order to the account system, where the account recharge order includes a designated account name and a recharge amount;

The account system executes the account recharge order and returns account recharge information to the trading system, where the account recharge information includes a recharge account and corresponding recharge information;

The transaction system updates the account recharge order according to the account recharge information.
The payment account management method according to claim 5, wherein:

The step of the transaction system creating an account recharge order according to the account recharge instruction includes:

The transaction system obtains a recharge method according to the account recharge instruction, and when the recharge method is direct recharge, sends the account recharge order and the recharge method to the account system.
The payment account management method according to claim 6, characterized in that,

The step of executing the account recharge order by the account system includes:

The account system creates an account flow based on the account recharge order and the direct recharge method;

The account system recharges the designated account name according to the recharge amount in the account flow.
The payment account management method according to claim 1, wherein:

The account interface includes an account transfer interface, and the payment account management method includes:

The external system calls the account transfer interface to send an account transfer instruction to the transaction system;

The transaction system creates an account transfer order according to the account transfer instruction, and sends the account transfer order to the account system, wherein the account transfer order includes a designated account name and transfer amount;

The account system executes the account transfer order and returns account transfer information to the transaction system, where the account transfer information includes a transfer account and corresponding transfer information;

The transaction system updates the account transfer order according to the account transfer information.
The payment account management method according to claim 8, wherein:

The step of executing the account transfer order by the account system includes:

The account system obtains the transfer type and the transfer amount according to the account transfer order;

The account system creates an account flow according to the transfer type and the transfer amount, and completes the transfer through the account flow.
The payment account management method according to claim 1, wherein:

The account interface includes an account payment interface, and the payment management system also includes a third-party payment system;

The payment account management method includes:

The external system calls the account payment interface to send an account payment instruction to the transaction system;

The transaction system creates an account payment order according to the account payment instruction, and freezes the account corresponding to the account payment order;

The transaction system invokes the third-party payment system to perform payment on the frozen account, and unfreeze the account through the account system;

The transaction system updates the account payment order according to the payment result.
The payment account management method according to claim 10, wherein:

The step of freezing the account corresponding to the account payment order includes:

The transaction system freezes the account corresponding to the account payment order, and freezes the account balance of the account through the account system.
The payment account management method according to claim 11, wherein:

The step of the transaction system updating the account payment order according to the payment result includes:

Acquiring, by the transaction system, the payment result of the third-party payment system;

When the result of the agent payment is successful, the transaction system unfreezes the account, and the account balance of the account is unfrozen through the account system and the agent payment amount is paid;

The transaction system updates the account on behalf of the order to be successful;

When the result of the proxy payment is failure, the transaction system unfreezes the account, and unfreezes the account balance of the account through the account system;

The transaction system failed to update the account payment order.
A payment management system, characterized in that the payment management system includes at least an external system, a transaction system, and an account system;

Wherein, the external system is used to call an account interface to send account management instructions to the trading system;

The transaction system is configured to create an account management order according to the account management instruction, and send the account management order to the account system;

The account system is used to execute the account management order and return account management information to the trading system;

The transaction system is further configured to update the account management order according to the account management information.
The payment management system according to claim 13, wherein the payment management system further comprises a front-end gateway, and the front-end gateway respectively establishes a communication connection with the external system and the transaction system;

The external system is configured to call the account interface to send the account management instruction to the front-end gateway;

The front-end gateway is used to check the interface legitimacy of the account interface, check the account status after passing the interface legitimacy check, and send the account management instruction to the transaction system after passing the check.
The payment management system according to claim 14, wherein the payment management system further comprises a third-party payment system;

The external system is used to call the account payment interface to send an account payment instruction to the transaction system;

The transaction system is configured to create an account payment order according to the account payment instruction, and freeze the account corresponding to the account payment order;

The transaction system is also used to call the third-party payment system to perform payment on the frozen account, and to unfreeze the account through the account system;

The transaction system is further configured to update the account payment order according to the payment result.
A payment management device, characterized in that the payment management device is equipped with the payment management system according to any one of claims 13-15, and the payment management system is configured to execute the payment management system according to any one of claims 1-12. The payment account management method mentioned above.