CN104854604A - Inter-bank payment system and inter-bank payment method - Google Patents
Inter-bank payment system and inter-bank payment method Download PDFInfo
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- CN104854604A CN104854604A CN201480003223.1A CN201480003223A CN104854604A CN 104854604 A CN104854604 A CN 104854604A CN 201480003223 A CN201480003223 A CN 201480003223A CN 104854604 A CN104854604 A CN 104854604A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
Abstract
The present invention discloses an inter-bank payment system and an inter-bank payment method. The inter-bank payment method includes steps as follows: S1, inputting bank account information, and binding user authentication information; S2, obtaining corresponding account capital information through an inter-bank payment server; S3, emitting a payment request through a client side; S4, detecting the capital information of a plurality of matchable accounts through the inter-bank payment server; S5, selecting the capital information of one of the accounts through the client side; S6, emitting a payment acknowledgement information through the inter-bank payment server; S7, freezing the account capital through an issuing terminal and unfreezing the account capital, and thereby paying the account capital. The inter-bank payment system and inter-bank payment method are characterized in that all bank data payment functions can be operated in a same tool without operating one-by-one by logging in each specific bank system.
Description
Technical field
The present invention relates to financial field, particularly relate to a kind of inter-bank payment system and a kind of inter-bank mode of payment.
Background technology
Online inter-bank pays the agreement behavior belonging to interbank (or between bank and non-banking clearing organization), when bank settlement people is not same opening a bank account, the inter-bank clearance of payment instruction is by transmission between multiple system or conversion, some processing links also needs commercial banking personnel manual intervention, traffic handling time is longer, and client can not understand the result of payment transaction in time.For improving the inter-bank clearance efficiency of online payment, promote commercial bank's Net silver service level, fulfil the payment clearance responsibility of the central bank better, the People's Bank determines to build online payment inter-bank system for settling account.
Online payment inter-bank system for settling account is that the Renminbi inter-bank of People's Bank of China's construction pays clearance infrastructure, is the important component part of China Modern Payment System.Online payment inter-bank system for settling account mainly supports the process of online inter-bank retail trade, and service order sends by pen, it is poor to roll in real time, timing clearance.Client submits payment transaction to by online mode, and can Real-time Obtaining service processing result.System supports commercial bank and the non-financial payment services mechanism access through People's Bank of China's approval, and provides 24-hour service in 7 × 24 hours to client.
It can thus be appreciated that, existing payment implementation provide the user good payment and has experienced, and progressively becomes faster convenience, but still has respective barrier between each banking system, if payment person has account at different bank, need to log in different bank system and carry out payment operation.
Summary of the invention
The technical problem to be solved in the present invention is, for still having respective barrier between banking system each in above-mentioned prior art, is inconvenient to the problem of paying the bill, provides a kind of inter-bank payment system and a kind of inter-bank mode of payment.
The technical solution adopted for the present invention to solve the technical problems is: construct a kind of inter-bank mode of payment on the one hand, the client being provided with user login information is provided, inter-bank payment server, and the multiple hair fastener ends be arranged in multiple different credit card issuer, described inter-bank mode of payment comprises the following steps: S1, multiple bank account informations of multiple different credit card issuer are inputted from described client, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server, S2, described inter-bank payment server obtain corresponding multiple account fund information according to described bank account information from described multiple hair fastener end, S3, described client send the payment request extremely described inter-bank payment server comprising payment business and Payment Amount, S4, described inter-bank payment server detect the multiple account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and the described multiple account fund information matched are sent to described client, S5, described client choose one of them account fund information from the described multiple account fund information matched, S6, described inter-bank payment server send payment affirmation information to the hair fastener end corresponding with selected account fund information according to the account fund information selected by described client, S7, described hair fastener end freeze the account fund corresponding with described bank account information according to described payment affirmation information, and to thaw described account fund according to described payment business, thus pay described account fund to the destiny account preset.
In inter-bank mode of payment of the present invention, described step S1 comprises following sub-step: S11, described client log in described inter-bank payment server according to described user login information; Multiple bank account informations of the multiple different credit card issuer of S12, described client input, and described bank account information and described user login information are bound; S13, the described bank account information after binding with described user login information is sent to described inter-bank payment server.
In inter-bank mode of payment of the present invention, described step S3 comprises following sub-step: S31, described default destiny account provide described payment business and described Payment Amount by described inter-bank payment server to described client; S32, described client obtain from described inter-bank payment server the described payment business and described Payment Amount that described destiny account provides; S33, described client are selected described payment business and described Payment Amount and by selected described payment business and described Payment Amount composition payment request, described payment request are sent to described inter-bank payment server.
In inter-bank mode of payment of the present invention, in described step S4, the account fund of the multiple account fund information matched with described payment business and Payment Amount is all more than or equal to described Payment Amount.
In inter-bank mode of payment of the present invention, described step S7 comprises following sub-step: S71, described hair fastener end freeze the account fund corresponding with described bank account information according to described payment affirmation information; S72, described hair fastener end confirm described payment business according to the account fund freezed to described destiny account; S73, described hair fastener end to thaw described account fund according to described payment business, thus pay described account fund to the destiny account preset.
On the other hand, the invention provides a kind of inter-bank mode of payment, there is provided the client, inter-bank payment server and the multiple hair fastener ends that are arranged in multiple different credit card issuer that are provided with user login information, described inter-bank mode of payment comprises the following steps: S1, described client send comprise payment business and Payment Amount payment request to described inter-bank payment server; S2, from described client, input multiple bank account informations of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server; S3, described inter-bank payment server obtain corresponding multiple account fund information according to described bank account information from described multiple hair fastener end; S4, described inter-bank payment server detect the multiple account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and the described multiple account fund information matched are sent to described client; S5, described client choose one of them account fund information from the described multiple account fund information matched; S6, described inter-bank payment server send payment affirmation information to the hair fastener end corresponding with selected account fund information according to the account fund information selected by described client; S7, described hair fastener end freeze the account fund corresponding with described bank account information according to described payment affirmation information, and to thaw described account fund according to described payment business, thus pay described account fund to the destiny account preset.
Implement a kind of inter-bank mode of payment of the present invention, there is following beneficial effect: dock because inter-bank payment device has carried out data with Ge Jia bank backstage, as long as user enters banking system when initial setting up, account and inter-bank are paid the bill after device binds, follow-uply do any operation and only need to enter inter-bank payment device, the bank balance selecting personal account can have an account to each family carries out operation execution, achieves and in same instrument, operates all bank datas and need not log in the object that each specific bank system goes to operate one by one.Simultaneously, payment person both can to destiny account payout, be supported in again the fund paying certain amount of money under not having the prerequisite of fund recipient in advance, so just can make payment person under the prerequisite of self planning certain payment amount, find the beneficiary receiving this amount of money.
Again on the one hand, the invention provides a kind of inter-bank payment system, described inter-bank payment system comprise be provided with user login information client, from the inter-bank payment server that described user client communication connects and multiple hair fastener ends of being arranged in multiple different credit card issuer; Described hair fastener end is connected with the communication of described inter-bank payment server; Described client comprises load module, request module, chooses module, payment module; Described load module is for inputting multiple bank account informations of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server; Described request module is for sending the payment request extremely described inter-bank payment server comprising payment business and Payment Amount; Described module of choosing for choosing one of them account fund information from the multiple account fund information matched; Described payment module freezes the account fund corresponding with described bank account information according to payment affirmation information, and to thaw described account fund according to described payment business, thus pays described account fund to the destiny account preset; Described inter-bank payment server comprises acquisition module, detection module, confirmation module; Described acquisition module is used for obtaining corresponding multiple account fund information according to described bank account information from described multiple hair fastener end; Described detection module is used for from obtained described multiple account fund information, detecting according to described payment request the multiple account fund information matched with described Payment Amount, and the described multiple account fund information matched are sent to described client; Described confirmation module is used for sending payment affirmation information to the hair fastener end corresponding with selected account fund information according to the account fund information selected by described client; In inter-bank payment system of the present invention, described client also comprises login module, and described login module is used for logging in described inter-bank payment server according to described user login information.
In inter-bank payment system of the present invention, described default destiny account is used for providing described payment business and described Payment Amount by described inter-bank payment server; Described payment module is also for confirming described payment business according to the account fund freezed to described destiny account.
In inter-bank payment system of the present invention, the account fund of the multiple account fund information matched with described payment business and Payment Amount is all more than or equal to described Payment Amount.
Implement a kind of inter-bank payment system of the present invention, there is following beneficial effect: dock because inter-bank payment device has carried out data with Ge Jia bank backstage, as long as user enters banking system when initial setting up, account and inter-bank are paid the bill after device binds, follow-uply do any operation and only need to enter inter-bank payment device, the bank balance selecting personal account can have an account to each family carries out operation execution, achieves and in same instrument, operates all bank datas and need not log in the object that each specific bank system goes to operate one by one.Simultaneously, payment person both can to destiny account payout, be supported in again the fund paying certain amount of money under not having the prerequisite of fund recipient in advance, so just can make payment person under the prerequisite of self planning certain payment amount, find the beneficiary receiving this amount of money.
Accompanying drawing explanation
Fig. 1 is the structural representation of a kind of inter-bank payment system provided by the invention;
Fig. 2 is the method flow diagram of a kind of inter-bank mode of payment provided by the invention;
Fig. 3 is the process flow diagram of client provided by the invention binding bank account information;
Fig. 4 is the process flow diagram that client provided by the invention sends payment request;
Fig. 5 is the process flow diagram of hair fastener end blocked funds provided by the invention.
Embodiment
In order to there be understanding clearly to technical characteristic of the present invention, object and effect, now contrast accompanying drawing and describe the specific embodiment of the present invention in detail.
The invention provides a kind of inter-bank payment system and a kind of inter-bank mode of payment, carry out data dock by setting up inter-bank payment server and Ge Jia bank backstage, namely inter-bank payment server is connected to hair fastener end, as long as payment person's (i.e. client) enters after banking system binds account and inter-bank payment server when initial setting up, and binding individual is in the user login information of inter-bank payment server, follow-uply do any operation and only need to enter inter-bank payment server, select personal account can carry out operation to the bank balance having each account to perform, achieve and in same instrument, operate all bank datas and the object that each specific bank system goes to operate one by one need not be logged in.Simultaneously, payment person both can to destiny account (as destiny account) payout, be supported in again the fund paying certain amount of money under not having the prerequisite of fund recipient in advance, so just can make payment person under the prerequisite of self planning certain payment amount, find the beneficiary receiving this amount of money.
Fig. 1 is the structural representation of a kind of inter-bank payment system provided by the invention, as shown in Figure 1, the invention provides multiple hair fastener ends 3 that a kind of inter-bank payment system comprises the client 1 being provided with user login information, the inter-bank payment server 2 connected from the communication of described client 1 and is arranged in multiple different credit card issuer; Described hair fastener end 3 is connected with the communication of described inter-bank payment server 2.Wherein, as shown in Figure 1, client can be mobile terminal, also can be fixing computer equipment, client by installing corresponding software at above-mentioned mobile terminal or computer equipment to realize and inter-bank payment server 2 communication, if mobile terminal, so can be connected to inter-bank payment server 2 by wireless network and connecting, if fixing computer equipment, inter-bank payment server 2 can be connected to by internet.Hair fastener end 3 to be installed in bank's background server and to be connected by internet with inter-bank payment server 2, can read account fund data, but not produce Capital Flow between inter-bank payment server 2 and hair fastener end.
Described client 1 inputs the bank account information of multiple bank cards of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server 2; Described inter-bank payment server 2 obtains corresponding multiple account fund information according to described bank account information from described multiple hair fastener end 3; Such as, after Zhang San logs in inter-bank payment server 2, input Construction Bank's card number and log in password, China Merchants Bank's card number and log in password, industrial and commercial bank's card number and log in password, as following table:
Wherein, user login information refers to the user login information of the user being logged in inter-bank payment server 2 by client 1, different bank can be inputted at inter-bank payment server 2 by this user login information user, bank's card number of different account holder and password, and inputted bank account information and user login information are bound, the fund account of multiple bank cards so just can be operated by " Zhang San " this user.Such as, Zhang San is the bank card of the account binding oneself of oneself while, also bind the bank card of Li Si, after so Zhang San logs in the account of oneself in described inter-bank receipt and payment server, not only can operate the account fund of oneself bound bank card, the account fund of bound Li Si's bank card can also be operated.
After user bound log-on message and bank account information, user sent by described client 1 comprise default payment business and Payment Amount payment request to described inter-bank payment server 2; Described inter-bank payment server 2 detects the account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and the described account fund information matched is sent to described client 1; Described client 1 chooses one of them account fund information from the described account fund information matched; Described inter-bank payment server 2 sends payment affirmation information to the hair fastener end 3 corresponding with selected account fund information according to the account fund information selected by described client 1; Described hair fastener end 3 freezes the account fund corresponding with described bank account information according to described payment affirmation information.Such as: user enters inter-bank payment server 2 by client 1, the bank balance selecting personal account can have an account to each family carries out operation execution, all bank datas are operated in same instrument, payment person to destiny account (as destiny account) payout, can also can pay again the fund of certain amount of money in advance under the prerequisite not having fund recipient.Such as, user needs to pay charges for water and electricity, but charges for water and electricity are monthly paid on time, be not can pay in any moment, so user just can pay this part charges for water and electricity in advance by inter-bank payment server 2 in advance, by the time determines to pay the date, collecting account, these part charges for water and electricity are sent in collecting account by i.e. destiny account automatically.
Concrete, described client 1 comprises load module 11, request module 12, chooses module 13, payment module 14; Described load module 12 is for inputting multiple bank account informations of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server 2; Described request module 12 is for sending the payment request extremely described inter-bank payment server 2 comprising payment business and Payment Amount; Described module 13 of choosing for choosing one of them account fund information from the multiple account fund information matched; Described payment module 14 freezes the account fund corresponding with described bank account information according to payment affirmation information, and to thaw described account fund according to described payment business, thus pays described account fund to the destiny account preset;
Described inter-bank payment server 2 comprises acquisition module 21, detection module 22, confirms module 23; Described acquisition module 21 is for obtaining corresponding multiple account fund information according to described bank account information from described multiple hair fastener end 3; The described multiple account fund information matched for detecting the multiple account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and are sent to described client 1 by described detection module 22; Described confirmation module 23 is for sending payment affirmation information to the hair fastener end 3 corresponding with selected account fund information according to the account fund information selected by described client 1;
Preferably, described client 1 also comprises login module 15, and described login module 15 is for logging in described inter-bank payment server 2 according to described user login information.Described default destiny account is used for providing described payment business and described Payment Amount by described inter-bank payment server 2; Described payment module 14 is also for confirming described payment business according to the account fund freezed to described destiny account.
Wherein, freezing of funds not refers to when new stock is applied to purchase, and the fund needed for the new stock of applying to purchase can be freezed, as the proof of effectively applying to purchase after certification of registered capital, within several working day, this fund can not move and make other purposes, and after applying to purchase end, fund can be thawed.But temporarily can not divert to this part fund, and after payment business completes by the time, this part fund just can go in destiny account.Wherein, " freezing of funds " can be illustrated as: lose the right to use temporarily, but has entitlement, benefits power (interests, property proves, certification of registered capital) etc.
In addition, described client 1 is also for being connected to described inter-bank payment server 2 according to described user login information communication.Such as, in the client, user can directly log in inter-bank payment server 2 according to user login information, and without the need to other loaded down with trivial details log-on messages.
For destiny account, can also make pre-set, the destiny account preset logs in described inter-bank payment server 2 to provide described payment business and described Payment Amount.Simultaneously, described hair fastener end 3 freezes the account fund corresponding with described bank account information according to described payment affirmation information, notify that described destiny account provides described payment business according to the account fund freezed, thawing, described account fund after date pays described account fund to the destiny account preset.
Such as, by default trade company, seller etc., provide the purchase of commodity, commodity should comprise the modes of payments, goods amount etc. of this trade company or seller, and user can initiate payment request according to the above-mentioned modes of payments, goods amount.After hair fastener end 3 receives the confirmation the information of payment, freeze account fund, when freezing, default trade company, seller also can see this state, now, default trade company, seller provide corresponding payment business: delivery or other business etc., after user receives goods or receives this business, then the fund that this freezes are sent in the account of default trade company, seller.
Usually, the account fund information matched with described payment business and Payment Amount is that the account fund in described account fund information is more than or equal to described Payment Amount.Such as, inter-bank payment server automatic screening account fund is greater than the bank card of Payment Amount, selects to pay for user.User so just can be made to find by inter-bank payment server provided by the invention the bank card meeting Payment Request easily, and search without the need to logging in different website of bank one by one.
Fig. 2 is the method flow diagram of a kind of inter-bank mode of payment provided by the invention, and as shown in Figure 2, a kind of inter-bank mode of payment provided by the invention comprises the following steps:
S1, from described client 1, input the bank account information of multiple bank cards of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server 2; Carry out information interaction between this client and inter-bank payment server, between hair fastener end 3 and inter-bank payment server 2, carry out information interaction.
S2, described inter-bank payment server 2 obtain corresponding multiple account fund information according to described bank account information from described multiple hair fastener end 3; By the binding of bank account information and user login information, the personal account logging in inter-bank payment server can operate the bank balance that each family has an account.
S3, described client 1 send the payment request extremely described inter-bank payment server 2 comprising payment business and Payment Amount; Concrete, payment request also should comprise credit card issuer the Payment Request that meets, the business namely involved by payment request should in the scope that credit card issuer is supported, such as cross-borderly transfers accounts, and needs the function that bank card possesses cross-border payment or transfers accounts.Above step S1 and S3 can perform side by side.
S4, described inter-bank payment server 2 detect the account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and the described account fund information matched is sent to described client 1; The account fund information matched with described payment business and Payment Amount is that the account fund in described account fund information is more than or equal to described Payment Amount.Such as, user Zhang San needs to pay charges for water and electricity, and charges for water and electricity are the charges for water and electricity of monthly paying the beginning of the month one month, and the charges for water and electricity of monthly paying and account balance are as following table:
If Zhang San wishes the charges for water and electricity automatically can paying a season, the charges for water and electricity in a season are 200*3=600 unit, as long as the card of so satisfactory Construction Bank and China Merchants Bank.
S5, described client 1 choose one of them account fund information from the described account fund information matched; Such as, Zhang San selects the bank card of Construction Bank to pay the bank card of charges for water and electricity as this.
S6, described inter-bank payment server 2 send payment affirmation information to the hair fastener end 3 corresponding with selected account fund information according to the account fund information selected by described client 1; Such as, after choosing bank card, send payment affirmation information to hair fastener end 3 corresponding to Construction Bank.
S7, described hair fastener end 3 freeze the account fund corresponding with described bank account information according to described payment affirmation information.After hair fastener end 3 freezes this fund, start to perform payment business, after payment business completes, this fund of thawing, by transfer of financial resources to destiny account.
Fig. 3 is the process flow diagram of client provided by the invention binding bank account information, and as shown in Figure 3, described step S1 comprises following sub-step:
S11, described client 1 log in described inter-bank payment server 2 according to described user login information; User login information can be used as log in inter-bank payment server 2 log in voucher, can also add in addition and log in password to log in described inter-bank payment server 2.The safe coefficient of account can be improved by user login information and the combination logging in password.
S12, described client 1 input the bank account information of multiple bank cards of multiple different credit card issuer under the state logged in, and described bank account information and described user login information are bound; Under the environment logged in, automatically bind with described user login information after inputting the bank account information of multiple bank cards.
S13, the described bank account information after binding with described user login information is sent to described inter-bank payment server 2.
Fig. 4 is the process flow diagram that client provided by the invention sends payment request, and as shown in Figure 4, described step S3 comprises following sub-step:
S31, default destiny account log in described inter-bank payment server 2 to provide described payment business and described Payment Amount; Such as, destiny account is commodity seller collecting account, and commodity seller is by logging in payment business and the Payment Amount of inter-bank payment server issue oneself, and payment business comprises the attribute information of commodity, seller's shroff account number etc.
S32, described client 1 obtain from described inter-bank payment server 2 the described payment business and described Payment Amount that described destiny account provides; The payment business provided by destiny account and Payment Amount, can check this payment business and Payment Amount from client 1.
S33, described client 1 are selected described payment business and described Payment Amount and by selected described payment business and described Payment Amount composition payment request, described payment request are sent to described inter-bank payment server 2.
Fig. 5 is the process flow diagram of hair fastener end blocked funds provided by the invention, and as shown in Figure 5, inter-bank mode of payment provided by the invention also comprises:
S71, after described step S7, described hair fastener end 3 freezes the account fund corresponding with described bank account information according to described payment affirmation information; Such as, after hair fastener end 3 receives the payment affirmation information of Zhang San, then freeze the account fund in this payment affirmation information, payment affirmation information is for confirming payment 600 yuan of commodity, then 600 yuan in Frozen Account fund.
According to freezed account fund, S72, described hair fastener end 3 notify that described destiny account provides described payment business; Such as, hair fastener end, after blocked funds, sends note or sends an announcement information to destiny account place by internet, after this destiny account receives this announcement information, this payment business is provided, such as, these commodity of 600 yuan is delivered in the mode of express delivery and holds in user's hand of this client 1.
S73, described hair fastener end 3 pay described account fund at the described account fund after date that thaws to described destiny account.Such as, this user is after receiving these commodity of 600 yuan, acknowledge receipt of this payment business by client 1 at inter-bank payment server 2, so inter-bank payment server 2 notifies that hair fastener end 3 thaws this fund during freezing described account fund, and pays described account fund to described destiny account.
Implement beneficial effect of the present invention to be, user enters banking system and account and inter-bank is paid the bill after device binds when initial setting up, follow-uply do any operation and only need to enter inter-bank payment device, the bank balance selecting personal account can have an account to each family carries out operation execution, achieves and in same instrument, operates all bank datas and need not log in the object that each specific bank system goes to operate one by one.Simultaneously, payment person both can to destiny account payout, be supported in again the fund paying certain amount of money under not having the prerequisite of fund recipient in advance, so just can make payment person under the prerequisite of self planning certain payment amount, find the beneficiary receiving this amount of money.
By reference to the accompanying drawings embodiments of the invention are described above; but the present invention is not limited to above-mentioned embodiment; above-mentioned embodiment is only schematic; instead of it is restrictive; those of ordinary skill in the art is under enlightenment of the present invention; do not departing under the ambit that present inventive concept and claim protect, also can make a lot of form, these all belong within protection of the present invention.
Claims (10)
1. an inter-bank mode of payment, there is provided be provided with user login information client (1), inter-bank payment server (2) and multiple hair fastener ends (3) of being arranged in multiple different credit card issuer, it is characterized in that, described inter-bank mode of payment comprises the following steps:
S1, from described client (1), input multiple bank account informations of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server (2);
S2, described inter-bank payment server (2) obtain corresponding multiple account fund information according to described bank account information from described multiple hair fastener end (3);
S3, described client (1) send the payment request extremely described inter-bank payment server (2) comprising payment business and Payment Amount;
S4, described inter-bank payment server (2) detect the multiple account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and the described multiple account fund information matched are sent to described client (1);
S5, described client (1) choose one of them account fund information from the described multiple account fund information matched;
S6, described inter-bank payment server (2) send payment affirmation information to the hair fastener end (3) corresponding with selected account fund information according to the account fund information selected by described client (1);
S7, described hair fastener end (3) freeze the account fund corresponding with described bank account information according to described payment affirmation information, and to thaw described account fund according to described payment business, thus pay described account fund to the destiny account preset.
2. inter-bank mode of payment according to claim 1, is characterized in that, described step S1 comprises following sub-step:
S11, described client (1) log in described inter-bank payment server (2) according to described user login information;
S12, described client (1) input multiple bank account informations of multiple different credit card issuer, and described bank account information and described user login information are bound;
S13, the described bank account information after binding with described user login information is sent to described inter-bank payment server (2).
3. inter-bank mode of payment according to claim 1, is characterized in that, described step S3 comprises following sub-step:
S31, described default destiny account provide described payment business and described Payment Amount by described inter-bank payment server (2) to described client (1);
S32, described client (1) obtain from described inter-bank payment server (2) the described payment business and described Payment Amount that described destiny account provides;
S33, described client (1) are selected described payment business and described Payment Amount and by selected described payment business and described Payment Amount composition payment request, described payment request are sent to described inter-bank payment server (2).
4. inter-bank mode of payment according to claim 1, is characterized in that, in described step S4, the account fund of the multiple account fund information matched with described payment business and Payment Amount is all more than or equal to described Payment Amount.
5. inter-bank mode of payment according to claim 3, is characterized in that, described step S7 comprises following sub-step:
S71, described hair fastener end (3) freeze the account fund corresponding with described bank account information according to described payment affirmation information;
S72, described hair fastener end (3) confirm described payment business according to the account fund freezed to described destiny account;
S73, described hair fastener end (3) to thaw described account fund according to described payment business, thus pay described account fund to the destiny account preset.
6. an inter-bank mode of payment, there is provided be provided with user login information client (1), inter-bank payment server (2) and multiple hair fastener ends (3) of being arranged in multiple different credit card issuer, it is characterized in that, described inter-bank mode of payment comprises the following steps:
S1, described client (1) send the payment request extremely described inter-bank payment server (2) comprising payment business and Payment Amount;
S2, from described client (1), input multiple bank account informations of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server (2);
S3, described inter-bank payment server (2) obtain corresponding multiple account fund information according to described bank account information from described multiple hair fastener end (3);
S4, described inter-bank payment server (2) detect the multiple account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and the described multiple account fund information matched are sent to described client (1);
S5, described client (1) choose one of them account fund information from the described multiple account fund information matched;
S6, described inter-bank payment server (2) send payment affirmation information to the hair fastener end (3) corresponding with selected account fund information according to the account fund information selected by described client (1);
S7, described hair fastener end (3) freeze the account fund corresponding with described bank account information according to described payment affirmation information, and to thaw described account fund according to described payment business, thus pay described account fund to the destiny account preset.
7. an inter-bank payment system, it is characterized in that, multiple hair fastener ends (3) that described inter-bank payment system comprises the client (1) being provided with user login information, the inter-bank payment server (2) connected from described client (1) communication and is arranged in multiple different credit card issuer; Described hair fastener end (3) is connected with the communication of described inter-bank payment server (2);
Described client (1) comprises load module (11), request module (12), chooses module (13), payment module (14);
Described load module (12) is for inputting multiple bank account informations of multiple different credit card issuer, described bank account information and described user login information are bound, and the described bank account information after binding with described user login information is sent to described inter-bank payment server (2);
Described request module (12) is for sending the payment request extremely described inter-bank payment server (2) comprising payment business and Payment Amount;
Described module (13) of choosing for choosing one of them account fund information from the multiple account fund information matched;
Described payment module (14) freezes the account fund corresponding with described bank account information according to payment affirmation information, and to thaw described account fund according to described payment business, thus pays described account fund to the destiny account preset;
Described inter-bank payment server (2) comprises acquisition module (21), detection module (22), confirms module (23);
Described acquisition module (21) is for obtaining corresponding multiple account fund information according to described bank account information from described multiple hair fastener end (3);
The described multiple account fund information matched for detecting the multiple account fund information matched with described Payment Amount from obtained described multiple account fund information according to described payment request, and are sent to described client (1) by described detection module (22);
Described confirmation module (23) is for sending payment affirmation information to the hair fastener end (3) corresponding with selected account fund information according to the account fund information selected by described client (1);
8. inter-bank payment system according to claim 7, it is characterized in that, described client (1) also comprises login module (15), and described login module (15) is for logging according to described user login information to described inter-bank payment server (2).
9. inter-bank payment system according to claim 7, is characterized in that, described default destiny account is used for providing described payment business and described Payment Amount by described inter-bank payment server (2);
Described payment module (14) is also for confirming described payment business according to the account fund freezed to described destiny account.
10. inter-bank payment system according to claim 7, is characterized in that, the account fund of the multiple account fund information matched with described payment business and Payment Amount is all more than or equal to described Payment Amount.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/083829 WO2016019532A1 (en) | 2014-08-06 | 2014-08-06 | Interbank payment system and interbank payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104854604A true CN104854604A (en) | 2015-08-19 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201480003223.1A Pending CN104854604A (en) | 2014-08-06 | 2014-08-06 | Inter-bank payment system and inter-bank payment method |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN104854604A (en) |
| CA (1) | CA2993677C (en) |
| WO (1) | WO2016019532A1 (en) |
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| CN107451802A (en) * | 2017-08-11 | 2017-12-08 | 中国银行股份有限公司 | A kind of Web bank transfers accounts the method and device of remittance |
| CN107545498A (en) * | 2017-08-24 | 2018-01-05 | 广州中道电子科技有限公司 | A kind of hair fastener method and system |
| CN108647944A (en) * | 2018-05-22 | 2018-10-12 | 阿里巴巴集团控股有限公司 | Data processing method during on-line payment and device |
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Also Published As
| Publication number | Publication date |
|---|---|
| CA2993677C (en) | 2021-08-10 |
| WO2016019532A1 (en) | 2016-02-11 |
| CA2993677A1 (en) | 2016-02-11 |
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