WO2021092793A1 - 支付交易平台以及支付交易装置 - Google Patents

支付交易平台以及支付交易装置 Download PDF

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Publication number
WO2021092793A1
WO2021092793A1 PCT/CN2019/118002 CN2019118002W WO2021092793A1 WO 2021092793 A1 WO2021092793 A1 WO 2021092793A1 CN 2019118002 W CN2019118002 W CN 2019118002W WO 2021092793 A1 WO2021092793 A1 WO 2021092793A1
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Prior art keywords
account
payment transaction
platform
core system
transaction
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PCT/CN2019/118002
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English (en)
French (fr)
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刘贞平
柳彤
朱大卫
汤慧秀
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深圳海付移通科技有限公司
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Priority to CN201980010321.0A priority Critical patent/CN111819587A/zh
Priority to PCT/CN2019/118002 priority patent/WO2021092793A1/zh
Publication of WO2021092793A1 publication Critical patent/WO2021092793A1/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
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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

Definitions

  • This application relates to the field of electronic payment technology, in particular to payment transaction platforms and payment transaction devices.
  • This application provides a payment transaction platform to solve the problems of bloated payment transaction platforms and low work efficiency in the prior art.
  • the payment transaction platform includes a customer system, a transaction core system, and an account core system.
  • the transaction core system is connected to the customer system and the account core respectively.
  • the client system is configured to receive account opening request information of the client, and generate a client number based on the account opening request information;
  • the transaction core system is used to process transactions under the customer number
  • the account core system is used to manage accounts under the customer number.
  • the payment transaction platform further includes an accounting system, and the accounting system is connected to the account core system;
  • the accounting system is used to process the accounting of the amount generated in the process of managing the account by the account core system.
  • the account core system includes a billing platform and an exchange rate conversion platform
  • the charging platform is used to calculate the charging calculation in the account processing process
  • the exchange rate conversion platform is used to provide a function of converting exchange rates when the billing platform calculates fees across currencies.
  • the account core system also includes a reporting platform and an order processing platform;
  • the report platform is used to count the records of account management, and store and output in the form of reports;
  • the order processing platform is used to obtain customer order information from the transaction core system, and classify and store the order information.
  • the payment transaction platform further includes a cash register, and the cash register is connected to the transaction core system;
  • the cash register is used to process the expenses incurred in the process of processing the transaction under the customer number by the transaction core system.
  • the payment transaction platform further includes an account reconciliation system, and the account reconciliation system is respectively connected to the transaction core system and the account core system;
  • the reconciliation system is used to process account transactions between the transaction core system, the account core system and the third-party system.
  • the reconciliation system includes a reserve management system
  • the reserve fund management system is used to provide the reserve fund function in the account transaction process.
  • the third-party system includes a third-party business system
  • the reconciliation system is connected to the third-party business system through a payment center;
  • the payment center provides a direct bank-enterprise connection function and a third-party payment function.
  • the reconciliation system is connected to the third-party business system through a collection center;
  • the collection center provides a collection function, a shortcut channel function, and a third-party wallet channel function.
  • the third-party system also includes a third-party account system
  • the reconciliation system is connected to the third-party account system through the authentication center;
  • the authentication center provides a four-element authentication function, an ID card authentication function, and a real account binding function.
  • the payment transaction platform further includes a front-end gateway, and the front-end gateway is respectively connected to the client system and the transaction core system;
  • the front-end gateway is used to check the validity of the interface of the customer's account opening request information, and after passing the check, send the account opening request information to the client system and the transaction core system.
  • the front-end gateway is connected to an external system, and the front-end gateway is used to call an interface of the external system.
  • this application proposes a payment transaction device equipped with the above-mentioned payment transaction platform.
  • the payment transaction platform of this application includes a customer system, a transaction core system, and an account core system.
  • the transaction core system is connected to the customer system and the account core system respectively; the customer system is used to receive The customer’s account opening request information, and the customer number is generated based on the account opening request information; the transaction core system is used to process transactions under the customer number; the account core system is used to manage the account under the customer number.
  • the payment transaction platform provided by this application integrates the function of account management into the system, simplifies the payment transaction platform, and improves the working capacity and efficiency of the payment transaction platform.
  • Figure 1 is a schematic structural diagram of a first embodiment of a payment transaction platform provided by the present application
  • FIG. 2 is a schematic structural diagram of an embodiment of the master and sub-account system provided by this application;
  • FIG. 3 is a schematic structural diagram of a second embodiment of the payment transaction platform provided by the present application.
  • Fig. 4 is a schematic structural diagram of a third embodiment of a payment transaction platform provided by the present application.
  • Fig. 5 is a schematic structural diagram of an embodiment of a payment management device provided by the present application.
  • FIG. 1 is a schematic structural diagram of the first embodiment of the payment transaction platform provided by the present application.
  • the payment transaction platform 100 of this embodiment includes a client system 11, a transaction core system 12 and an account core system 13. Among them, the transaction core system 12 is connected to the client system 11 and the account core system 13 respectively.
  • the client system 11 is used to receive the account opening request information of the client, and generate a client number based on the account opening application information.
  • the clients of this application can be individuals, merchants or enterprises.
  • the client system 11 generates a corresponding client number for each external account opening request, where the client number uniquely corresponds to the external client.
  • the information stored in the customer system includes at least basic customer information, OMS (Order Management System) login account and password.
  • OMS Order Management System
  • the account here has a certain format and structure according to the account setting, which is used to reflect the increase or decrease of accounting elements and the carrier of the result.
  • the transaction core system 12 is used to process transactions or transaction orders under the customer number.
  • the transaction transactions that the transaction core system 12 can implement include but are not limited to the following services: recharge, transfer, consumption, cash withdrawal, etc.
  • the account core system 13 is used to manage the accounts under the customer number.
  • the account core system 13 first creates the main sub-account system under the customer number, and then manages the main sub-account system.
  • FIG. 2 is a schematic structural diagram of an embodiment of the master and sub-account system provided in this application.
  • the account core system 13 can open a sub-account under the main account.
  • Figure 2 open a two-level sub-account under the main account, that is, a total of three-level accounts.
  • the relationship between the accounts is as follows: main account- Second-level sub-account-third-level sub-account.
  • the account core system 13 can open functional accounts under both the main account and the sub-account. There are multiple functional accounts, which can be opened according to different needs. There is an inheritance relationship between the main account and the sub-account, and the sub-account can inherit the functional account of the main account.
  • the account core system 13 opens a main account under a certain customer number, and opens a balance account and a red envelope account under the main account. At this time, the account core system 13 continues to open a sub-account under the main account, and the sub-account automatically sets up a balance account and a red envelope account through the inheritance relationship.
  • Accounts can be divided into personal accounts, corporate accounts, institutional accounts, and internal accounts according to their classification.
  • personal accounts are accounts of single-end users
  • corporate accounts are merchant accounts
  • institutional accounts are institutional accounts
  • internal accounts are accounts that need to be opened for certain internal businesses of service providers.
  • Accounts can be classified according to their functional types: basic accounts, accounts to be settled, fee accounts, operating accounts, and shadow accounts, etc. Among them, the basic account can also refer to the balance account and the change account. The owner of the basic account can withdraw the funds in the basic account to the bound physical bank card at any time.
  • Pending settlement accounts which will be settled to merchants or structured accounts.
  • Handling fee account an account used to store handling fees or levy handling fees, is suitable for two-line revenue and expenditure scenarios. In the payment transaction platform of this application, the account of the handling fee can be transferred to the basic account for withdrawal.
  • Operational accounts such as red envelope accounts, are opened according to the needs of various business scenarios.
  • FIG. 3 is a schematic structural diagram of a second embodiment of the payment transaction platform provided by the present application.
  • the payment transaction platform 100 of this embodiment further includes an accounting system 14, wherein the accounting system 14 is connected to the account core system 13.
  • the accounting system 14 is used to process the accounting of the amount generated in the process of managing the account by the account core system.
  • the account core system 13 of this embodiment includes a billing platform 131, an exchange rate conversion platform 132, a reporting platform 133, and an order processing platform 134.
  • the billing platform 131 is used to calculate charges in the account processing process; the exchange rate conversion platform 132 is used to improve the function of converting exchange rates when the billing platform 131 calculates fees across currencies.
  • the report platform 133 is used to count the records of account management, and store and output in the form of reports.
  • the order processing platform 134 is used to obtain the customer's order information from the transaction core system 12, and classify and store the order information.
  • the payment transaction platform 100 of this embodiment further includes a cash register 15 which is connected to the transaction core system 12.
  • the cash register 15 is used to process the expenses incurred in the transaction processing under the customer number by the transaction core system 12.
  • the payment transaction platform 100 of this embodiment further includes an account reconciliation system 16, which is connected to the transaction core system 12 and the account core system 13 respectively.
  • the reconciliation system 16 is used to process account transactions of the transaction core system 12, the account core system 13, and a third-party system (not shown in the figure).
  • the reconciliation system 16 further includes a reserve management system 161.
  • the reserve fund management system 161 is used to improve the reserve fund function in the account transaction process.
  • the payment transaction platform 100 of this embodiment further includes a front-end gateway 17, wherein the front-end gateway 17 is connected to the client system 11 and the transaction core system 12 respectively.
  • the front-end gateway 17 is used to check the validity of the interface of the customer's account opening request information, and after passing the check, send the account opening request information to the client system 11 and the transaction core system 12.
  • front-end gateway 17 may also be connected to an external system (not shown in the figure). At this time, the front-end gateway 17 is also used to call the interface of the external system.
  • FIG. 4 is a schematic structural diagram of a third embodiment of the payment transaction platform provided by the present application.
  • the third-party system of this embodiment specifically includes a third-party business system 21 and a third-party account system 22.
  • the reconciliation system 16 of this embodiment is connected to a third-party business system 21 through a payment center 162, where the payment center 162 can provide direct bank-enterprise connection functions and third party payment functions. Further, the reconciliation system 16 is connected to the third-party business system 21 through the collection center 163, where the collection center 162 can provide collection functions, shortcut channel functions, and third-party wallet channel functions.
  • the reconciliation system 16 can also be connected to the third-party account system 22 through the authentication center 164, where the authentication center 164 provides a 4-element authentication function, an ID card authentication function, and a real account binding function.
  • FIG. 5 is a schematic structural diagram of an embodiment of the payment management device provided by the present application.
  • the payment management device 500 is equipped with the payment management platform 51 in the above-mentioned embodiment.

Abstract

一种支付交易平台（100）以及支付交易装置，该支付交易平台（100）包括客户系统（11）、交易核心系统（12）以及账户核心系统（13），其中，交易核心系统（12）分别与客户系统（11）和账户核心系统（13）连接；客户系统（11）用于接收客户的开户请求信息，并基于开户请求信息生成客户号；交易核心系统（12）用于处理客户号下的交易事项；账户核心系统（13）用于管理客户号下的账户。所述支付交易平台（100）将账户管理的功能集成到系统中，简化支付交易平台（100），提高支付交易平台（100）的工作能力和工作效率。

Description

支付交易平台以及支付交易装置 技术领域
本申请涉及电子支付技术领域，特别是涉及支付交易平台以及支付交易装置。
背景技术
随着科学技术的不断发展，购物付款方式已经逐步从现金支付方式演变成电子支付方式。对于现金的使用已经逐渐减少，然后现有的支付交易平台由于需要实现的功能和提供的服务越来越多，使得平台架构越来越臃肿，并产生很多冗余的功能组件，导致工作效率低下。
技术解决方案
本申请提供一种支付交易平台，以解决现有技术中支付交易平台臃肿，工作效率低下的问题。
为解决上述技术问题，本申请提出一种支付交易平台，所述支付交易平台包括客户系统、交易核心系统以及账户核心系统，其中，所述交易核心系统分别与所述客户系统和所述账户核心系统连接；
所述客户系统用于接收客户的开户请求信息，并基于所述开户请求信息生成客户号；
所述交易核心系统用于处理所述客户号下的交易事项；
所述账户核心系统用于管理所述客户号下的账户。
其中，所述支付交易平台还包括会计核算系统，所述会计核算系统与所述账户核心系统连接；
所述会计核算系统用于处理所述账户核心系统管理账户过程中产生的金额的会计核算。
其中，所述账户核心系统包括计费平台和汇率转换平台；
所述计费平台用于计算账户处理过程中的收费计算；
所述汇率转换平台用于在所述计费平台跨币种计算费用时，提供转换汇率的功能。
其中，所述账户核心系统还包括报表平台和订单处理平台；
所述报表平台用于统计账户管理的记录，并通过报表的形式存储和输出；
所述订单处理平台用于从所述交易核心系统获取客户的订单信息，并将所述订单信息进行分类和存储。
其中，所述支付交易平台还包括收银台，所述收银台与所述交易核心系统连接；
所述收银台用于处理所述交易核心系统处理所述客户号下的交易事项过程产生的费用。
其中，所述支付交易平台还包括对账系统，所述对账系统分别与所述交易核心系统和所述账户核心系统连接；
所述对账系统用于处理所述交易核心系统、所述账户核心系统与第三方系统的账户交易。
其中，所述对账系统包括备付金管理系统；
所述备付金管理系统用于提供账户交易过程中的备付金功能。
其中，所述第三方系统包括第三方业务系统；
所述对账系统通过付款中心与所述第三方业务系统连接；
所述付款中心提供银企直连功能以及第三方代付功能。
其中，所述对账系统通过收款中心与所述第三方业务系统连接；
所述收款中心提供代收功能、快捷通道功能以及第三方钱包通道功能。
其中，所述第三方系统还包括第三方账户系统；
所述对账系统通过鉴权中心与所述第三方账户系统连接；
所述鉴权中心提供4要素鉴权功能、身份证鉴权功能以及真实账户绑定功能。
其中，所述支付交易平台还包括前置网关，所述前置网关分别与所述客户系统、所述交易核心系统连接；
所述前置网关用于对客户的开户请求信息进行接口合法性检查，在通过检查后，将所述开户请求信息发送给所述客户系统和所述交易核心系统。
其中，所述前置网关与外部系统连接，所述前置网关用于调用所述外部系统的接口。
为解决上述技术问题，本申请提出一种支付交易装置，所述支付交易装置搭载上述的支付交易平台。
区别于现有技术，本申请的有益效果在于：本申请支付交易平台包括客户 系统、交易核心系统以及账户核心系统，其中，交易核心系统分别与客户系统和账户核心系统连接；客户系统用于接收客户的开户请求信息，并基于开户请求信息生成客户号；交易核心系统用于处理客户号下的交易事项；账户核心系统用于管理客户号下的账户。本申请提供的支付交易平台将账户管理的功能集成到系统中，简化支付交易平台，提高支付交易平台的工作能力和工作效率。
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单地介绍，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，对本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是本申请提供的支付交易平台第一实施例的结构示意图；
图2是本申请提供的主子账户体系一实施例的结构示意图；
图3是本申请提供的支付交易平台第二实施例的结构示意；
图4是本申请提供的支付交易平台第三实施例的结构示意图；
图5是本申请提供的支付管理装置一实施例的结构示意图。
本发明的实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅是本发明的一部分实施例，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他实施例，都属于本发明保护的范围。
为了解决目前支付交易平台臃肿，工作效率低下的问题，本申请提出了一种支付交易平台。具体请参阅图1，图1是本申请提供的支付交易平台第一实施例的结构示意图。
如图1所示，本实施例的支付交易平台100包括客户系统11、交易核心系统12以及账户核心系统13。其中，交易核心系统12分别与客户系统11和账户核心系统13连接。
其中，客户系统11用于接收客户的开户请求信息，并基于开户申请信息生成客户号。本申请的客户可以为个人，也可以为商户或企业。具体地，客户系统11对于外部每一个请求过来的开设账户的请求，生成对应的客户号，其中， 客户号与外部的客户唯一对应。客户系统中存储的信息至少包括客户基本信息、OMS(订单管理系统)登录账号以及密码。这里的账户根据会计科目设置，具有一定格式和结构，用于反映会计要素的增减变动情况以及结果的载体。
交易核心系统12用于处理客户号下的交易事项或者交易订单，其中，交易核心系统12能够实现的交易事项包括但不限于以下业务：充值、转账、消费、提现等。
账户核心系统13用于管理客户号下的账户，其中，账户核心系统13首先创建客户号下的主子账户体系，然后对主子账户体系进行管理。具体地，请参见图2，图2是本申请提供的主子账户体系一实施例的结构示意图。在本申请中，账户核心系统13可以在主账户下开设子账户，如图2中，在主账户下开设2级子账户，即总共为3级账户，账户之间的关系如下：主账户-二级子账户-三级子账户。
进一步地，账户核心系统13在主账户和子账户下都可以开设功能账户，功能账户具有多种，可以根据不同的需求进行开设。主账户和子账户之间的具有继承关系，子账户可以继承主账户的功能账户。
例如，账户核心系统13在某一客户号下开设一个主账户，并在主账户下开设了余额户和红包账户。此时，账户核心系统13继续在主账户下开设子账户，则该子账户通过继承关系，自动设有余额户和红包账户。
账户根据归属分类可以分为：个人账户、企业账户、机构账户以及内部账户等。其中，个人账户为单一端用户的账户，企业账户为商户的账户，机构账户为机构的账户，内部账户为服务提供商内部某些业务需要开设的账户。
账户根据功能类型分类可以分为：基本户、待结算户、手续费账户、运营账户以及影子账户等。其中，基本户，也可以指余额户、零钱户，基本户的所有人随时可以将基本户中的资金提现到绑定的实体银行卡中。在本申请的支付交易平台中，每一客户号每个币种的基本户只有一个。待结算户，即将结算给商户或结构的账户。手续费账户，用来存放手续费或者征收手续费的账户，适用于收支两线的场景。在本申请的支付交易平台中，手续费的账户可以转到基本户中提现。运营账户，如红包账户，按各业务场景的需求开设。
为了解决目前支付交易平台臃肿，工作效率低下的问题，本申请提出了另一种支付交易平台。具体请参阅图3，图3是本申请提供的支付交易平台第二实施例的结构示意图。
如图3所示，在图1所示实施例的结构基础上，本实施例的支付交易平台100还包括会计核算系统14，其中，会计核算系统14与账户核心系统13连接。
会计核算系统14用于处理账户核心系统管理账户过程中产生的金额的会计核算。
进一步地，本实施例的账户核心系统13包括计费平台131、汇率转换平台132、报表平台133和订单处理平台134。
其中，计费平台131用于计算账户处理过程中的收费计算；汇率转换平台132用于在计费平台131跨币种计算费用时，提高转换汇率的功能。报表平台133用于统计账户管理的记录，并通过报表的形式存储和输出。订单处理平台134用于从交易核心系统12获取客户的订单信息，并将订单信息进行分类和存储。
本实施例的支付交易平台100还包括收银台15，收银台15和交易核心系统12连接。收银台15，用于处理交易核心系统12处理客户号下的交易事项过程产生的费用。
本实施例的支付交易平台100还包括对账系统16，对账系统分别与交易核心系统12和账户核心系统13连接。对账系统16用于处理交易核心系统12、账户核心系统13和第三方系统(图中未示出)的账户交易。
具体地，对账系统16进一步包括备付金管理系统161。备付金管理系统161用于提高账户交易过程中的备付金功能。
本实施例的支付交易平台100还包括前置网关17，其中，前置网关17分别与客户系统11、交易核心系统12连接。前置网关17用于对客户的开户请求信息进行接口合法性检查，在通过检查后，将开户请求信息发送给客户系统11和交易核心系统12。
进一步地，前置网关17还可以与外部系统(图中未示出)连接，此时，前置网关17还用于调用外部系统的接口。
为了解决目前支付交易平台臃肿，工作效率低下的问题，本申请提出了另一种支付交易平台。具体请参阅图4，图4是本申请提供的支付交易平台第三实施例的结构示意图。
如图4所示，在图3所示实施例的结构基础上，本实施例的第三方系统具体包括第三方业务系统21和第三方账户系统22。
如图4所示，本实施例对账系统16通过付款中心162与第三方业务系统21 连接，其中，付款中心162可以提供银企直连功能以及第三方代付功能等。进一步地，对账系统16通过收款中心163与第三方业务系统21连接，其中，收款中心162可以提供代收功能、快捷通道功能以及第三方钱包通道功能等。
对账系统16还可以通过鉴权中心164与第三方账户系统22连接，其中，鉴权中心164提供4要素鉴权功能、身份证鉴权功能以及真实账户绑定功能。
为了解决目前支付交易平台臃肿，工作效率低下的问题，本申请还提出了一种具体的支付管理装置。具体请参阅图5，图5是本申请提供的支付管理装置一实施例的结构示意图。其中，支付管理装置500搭载上述实施例中的支付管理平台51。
以上所述仅为本发明的实施方式，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (13)

  1. 一种支付交易平台，其特征在于，所述支付交易平台包括客户系统、交易核心系统以及账户核心系统，其中，所述交易核心系统分别与所述客户系统和所述账户核心系统连接；
    所述客户系统用于接收客户的开户请求信息，并基于所述开户请求信息生成客户号；
    所述交易核心系统用于处理所述客户号下的交易事项；
    所述账户核心系统用于管理所述客户号下的账户。
  2. 根据权利要求1所述的支付交易平台，其特征在于，所述支付交易平台还包括会计核算系统，所述会计核算系统与所述账户核心系统连接；
    所述会计核算系统用于处理所述账户核心系统管理账户过程中产生的金额的会计核算。
  3. 根据权利要求2所述的支付交易平台，其特征在于，所述账户核心系统包括计费平台和汇率转换平台；
    所述计费平台用于计算账户处理过程中的收费计算；
    所述汇率转换平台用于在所述计费平台跨币种计算费用时，提供转换汇率的功能。
  4. 根据权利要求3所述的支付交易平台，其特征在于，所述账户核心系统还包括报表平台和订单处理平台；
    所述报表平台用于统计账户管理的记录，并通过报表的形式存储和输出；
    所述订单处理平台用于从所述交易核心系统获取客户的订单信息，并将所述订单信息进行分类和存储。
  5. 根据权利要求1所述的支付交易平台，其特征在于，所述支付交易平台还包括收银台，所述收银台与所述交易核心系统连接；
    所述收银台用于处理所述交易核心系统处理所述客户号下的交易事项过程产生的费用。
  6. 根据权利要求1所述的支付交易平台，其特征在于，所述支付交易平台还包括对账系统，所述对账系统分别与所述交易核心系统和所述账户核心系统连接；
    所述对账系统用于处理所述交易核心系统、所述账户核心系统与第三方系 统的账户交易。
  7. 根据权利要求6所述的支付交易平台，其特征在于，所述对账系统包括备付金管理系统；
    所述备付金管理系统用于提供账户交易过程中的备付金功能。
  8. 根据权利要求6所述的支付交易平台，其特征在于，所述第三方系统包括第三方业务系统；
    所述对账系统通过付款中心与所述第三方业务系统连接；
    所述付款中心提供银企直连功能以及第三方代付功能。
  9. 根据权利要求8所述的支付交易平台，其特征在于，
    所述对账系统通过收款中心与所述第三方业务系统连接；
    所述收款中心提供代收功能、快捷通道功能以及第三方钱包通道功能。
  10. 根据权利要求9所述的支付交易平台，其特征在于，所述第三方系统还包括第三方账户系统；
    所述对账系统通过鉴权中心与所述第三方账户系统连接；
    所述鉴权中心提供4要素鉴权功能、身份证鉴权功能以及真实账户绑定功能。
  11. 根据权利要求1所述的支付交易平台，其特征在于，所述支付交易平台还包括前置网关，所述前置网关分别与所述客户系统、所述交易核心系统连接；
    所述前置网关用于对客户的开户请求信息进行接口合法性检查，在通过检查后，将所述开户请求信息发送给所述客户系统和所述交易核心系统。
  12. 根据权利要求11所述的支付交易平台，其特征在于，所述前置网关与外部系统连接，所述前置网关用于调用所述外部系统的接口。
  13. 一种支付交易装置，其特征在于，所述支付交易装置搭载权利要求1～12中任一项所述的支付交易平台。
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