CN111640006A - Bank payment and receipt method, device, terminal and storage medium - Google Patents

Abstract

The invention relates to the technical field of artificial intelligence, and proposes a method, device, terminal and storage medium for bank agency collection and payment. The method includes: receiving an agency payment processing request from a merchant business system and analysing to obtain the agency payment processing business of each agency payment processing enterprise Type; based on the type of the payment processing business, call the Configure Payment Processing Quota API to configure the quota for the first account of each payment processing company; The agency payment processing mode of the payment processing business type generates different agency payment processing instructions and verifies them; after the verification is passed, the agency payment processing instructions are triggered to perform agency payment processing, and the agency payment processing results are returned to the merchant business system. The invention configures the payment processing quota according to the attributes of the payment processing business type of the payment processing enterprise, and carries out customized configuration for the payment processing enterprise, thereby improving the capital turnover rate and utilization rate of the merchant.

Description

Bank collection and payment method, device, terminal and storage medium

technical field

The invention relates to the technical field of banking systems, in particular to a method, device, terminal and storage medium for bank collection and payment.

Background technique

In the traditional technology, the bank's payment processing channels for the agency payment processing business include the PBOC's small-value system, the PBOC's super online banking system, and the UnionPay system. It is impossible to perform automatic inter-day clearing according to the business model corresponding to the type of agency payment processing business, and the bank needs to manually transfer funds to the UnionPay clearing account, resulting in low fund clearing efficiency.

In addition, in the process of insufficient funds in the payment processing account, the allocation of funds among multiple accounts in the merchant's business system is not considered, and the system requires manual intervention to complete the allocation of funds, resulting in low payment processing efficiency and the merchant's funds. The utilization rate and turnover rate are reduced, and professional customized configuration cannot be achieved.

SUMMARY OF THE INVENTION

In view of the above content, it is necessary to propose a method, device, terminal and storage medium for bank agency collection and payment. Professional customized configuration has been realized for payment processing enterprises, which has improved the capital turnover rate and utilization rate of merchants.

A first aspect of the present invention provides a bank collection and payment method, the method includes:

Receive an agency payment processing request from the merchant's business system, wherein each agency payment processing request carries a plurality of agency payment processing information;

Analyzing the multiple payment processing information to obtain the payment processing business type of each payment processing enterprise;

Based on the payment processing business type of each agency payment processing enterprise, the interface for configuring the agency payment processing quota is invoked to perform quota configuration processing on the first account of each agency payment processing enterprise;

When receiving the successful message of quota configuration processing of each agency payment processing enterprise, different agency payment processing instructions are generated according to the agency payment processing business type of each agency payment processing enterprise and the agency payment processing mode of the agency payment processing business type ;

Verifying each of the payment processing instructions to obtain a verification result;

When it is determined that the verification result is the verification passed, the agent payment processing instruction is triggered to perform agent payment processing, and the agent payment processing result is returned to the merchant business system.

Preferably, the process of invoking the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is the payment-before-pay service type, obtain the value of the amount in the second account of the merchant;

Obtain the value of the first generation payment processing amount processed by the payment processing enterprise on behalf of the payment processing enterprise;

Comparing the value of the amount in the second account of the merchant with the value of the first-generation payment processing amount;

When the value of the amount in the second account of the merchant is greater than or equal to the value of the first agent payment processing amount, the interface for configuring agent payment processing limit is invoked to configure and the first agent payment processing amount from the second account. The amount equivalent to the value of the payment processing amount is applied to the first account of the interface corresponding to the first account of the payment processing enterprise.

Preferably, the bank collection and payment method further includes:

When it is found that the value of the amount in the second account of the merchant is less than the value of the first payment processing amount, a notification message that the value of the amount in the second account is insufficient is sent to the merchant, wherein the The notification message includes the serial number of the agency payment processing company, the name of the agency payment processing company, the value of the first agency payment processing amount of the agency payment processing company, and the balance of the second account.

Preferably, the process of invoking the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is the type of advance service, acquiring the third account information and the redemption instruction of the merchant;

Obtain the value of the second-generation payment processing amount processed by the payment processing company on behalf of the payment processing company;

Calculate the total amount of funds in the third account information based on the redemption instruction;

Comparing the total amount of funds with the value of the second-generation payment processing amount;

When it is found from the comparison that the total amount of funds is greater than or equal to the value of the second-generation payment processing amount, the redemption instruction and the consumption share equivalent to the second-generation payment processing funds are transferred to the preset account. the fourth account;

Calling an interface for configuring an agent payment processing quota to configure a quota equivalent to the value of the second agent payment processing amount from the preset fourth account to the first account of the interface corresponding to the first account of the agent payment processing enterprise.

Preferably, the bank collection and payment method further includes:

When the comparison shows that the total amount of funds is less than the value of the second-generation payment processing amount, calculating the difference between the total amount of funds and the second-generation payment processing amount value to obtain the missing funds;

Start the fund processing program to transfer the lack of funds to the preset fourth account from the account of the merchant with the excess amount value;

When the preset fourth account receives the debited and missing funds into the account, call the configuration agent payment processing quota interface to configure the second agent payment processing amount value from the preset fourth account, etc. The amount of the value is sent to the interface corresponding to the first account of the payment processing enterprise.

Preferably, the verification result obtained by the verification of the proxy payment processing instruction includes:

Parse the payment processing instruction, and obtain the first account of the payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing company in the payment processing instruction with the first account of the payment processing company read from the payment processing request;

If the first account of the payment processing company in the payment processing instruction is consistent with the first account of the payment processing company read from the payment processing request, a result of verification is obtained;

If the first account of the payment processing company in the payment processing instruction is inconsistent with the first account of the payment processing company read from the payment processing request, a result of verification failure is obtained.

Preferably, the analysis of the plurality of agency payment processing information to obtain the agency payment processing business type of each agency payment processing enterprise includes:

Decompose each payment processing information into multiple preset format field information according to the preset parsing rules;

Identifying the plurality of field information obtains the payment processing business type of each payment processing enterprise.

A second aspect of the present invention provides a bank agent collection and payment device, and the bank agent collection and payment device includes:

The receiving module is used to receive an agency payment processing request from the merchant business system, wherein each agency payment processing request carries a plurality of agency payment processing information;

a parsing module, configured to parse the multiple payment processing information to obtain the payment processing business type of each payment processing enterprise;

The configuration module is used for invoking the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise;

The generation module is used to generate different payment processing modes according to the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type when receiving the successful message of quota configuration processing of each payment processing enterprise. payment processing instructions;

a verification module, used for verifying each said payment processing instruction to obtain a verification result;

An agency payment processing module, configured to trigger the agency payment processing instruction to perform agency payment processing when it is determined that the verification result is passed, and return the agency payment processing result to the merchant business system.

A third aspect of the present invention provides a terminal, the terminal includes a processor, and the processor is configured to implement the bank collection and payment method when executing a computer program stored in a memory.

A fourth aspect of the present invention provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the bank collection and payment method is implemented.

To sum up, the method, device, terminal and storage medium for bank collection and payment according to the present invention, on the one hand, according to the payment processing business type of the payment processing enterprise, the payment is made according to the attribute of the payment processing business type. The processing quota configuration processing realizes professional customized configuration for the payment processing company, which facilitates the capital turnover of the merchant and improves the capital turnover rate and utilization rate of the merchant; on the other hand, in the merchant's equity account If there is insufficient funds to pay for the merchant's payment processing transaction, the funds processing program will calculate the missing funds and automatically transfer the funds from other accounts with excess value to the preset advance funds account. Due to the existence of funds processing, the system does not require manual labor. Intervention can complete the merchant's fund payment processing process, which ensures the smooth and orderly completion of the bank's payment processing and reduces labor costs; finally, due to the different payment processing modes of each type of payment processing business, according to different The agency payment processing mode can realize different agency payment processing and settlement. If the agency payment processing business type is the advance service type, the agency payment processing mode corresponding to the advance payment service type can realize inter-day clearing to the merchant's account. Payment processing and settlement does not require banks to manually transfer funds to the UnionPay settlement account, which improves the efficiency of fund settlement.

Description of drawings

FIG. 1 is a flowchart of a method for collecting and paying on behalf of a bank provided by Embodiment 1 of the present invention.

FIG. 2 is a structural diagram of a bank agent collection and payment device provided in Embodiment 2 of the present invention.

FIG. 3 is a schematic structural diagram of a terminal according to Embodiment 3 of the present invention.

The following specific embodiments will further illustrate the present invention in conjunction with the above drawings.

Detailed ways

In order to more clearly understand the above objects, features and advantages of the present invention, the present invention will be described in detail below with reference to the accompanying drawings and specific embodiments. It should be noted that the embodiments of the present invention and the features in the embodiments may be combined with each other under the condition of no conflict.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terms used herein in the description of the present invention are for the purpose of describing specific embodiments only, and are not intended to limit the present invention.

Example 1

FIG. 1 is a flowchart of a method for collecting and paying on behalf of a bank provided by Embodiment 1 of the present invention.

In this embodiment, the bank collection and payment method can be applied to a terminal. For a terminal that needs to perform bank collection and payment, the function of bank collection and payment provided by the method of the present invention can be directly integrated on the terminal, or It runs in the terminal in the form of a software development kit (Software Development Kit, SKD).

As shown in FIG. 1 , the method for collecting and paying on behalf of a bank specifically includes the following steps. According to different requirements, the order of the steps in the flowchart can be changed, and some of the steps can be omitted.

S11: Receive an agency payment processing request from the merchant business system, wherein each agency payment processing request carries a plurality of agency payment processing information.

In this embodiment, the entrusted payment processing business refers to the business in which the bank accepts the entrustment of the merchant to handle the entrusted payment processing matters of the designated funds according to the agreement with the entrusting unit, and according to the list provided by the entrusting unit, the bank acts as the entrusting unit to issue the money, It mainly includes salary payment, insurance premiums, reimbursement and so on.

S12: Parse the multiple payment processing information to obtain the payment processing business type of each payment processing enterprise.

In this embodiment, the said payment processing business type refers to the business type corresponding to the payment made by the merchant to each payment processing enterprise. When acquiring the plurality of agency payment processing information, analyze each agency payment processing information to obtain the agency payment processing business type corresponding to each agency payment processing enterprise.

Preferably, the analysis of the plurality of agency payment processing information to obtain the agency payment processing business type of each agency payment processing enterprise includes:

Decompose each payment processing information into multiple preset format field information according to the preset parsing rules;

Identifying the plurality of field information obtains the payment processing business type of each payment processing enterprise.

In this embodiment, each of the agent payment processing information includes information such as the merchant nature of the merchant, the merchant account, the agent payment processing enterprise name, the agent payment processing enterprise type and other information, and the preset parsing rules are based on different agents If the different rules corresponding to the payment processing information are preset, according to the preset parsing rules, each of the payment processing information is decomposed into a plurality of field information in a preset format, and each field information is identified from the field information. The type of payment processing business corresponding to each payment processing company.

S13: Based on the payment processing business type of each agency payment processing enterprise, the interface for configuring the agency payment processing quota is invoked to perform quota configuration processing on the first account of each agency payment processing enterprise.

In this embodiment, the types of payment processing services corresponding to each payment processing company are different, each type of payment processing service corresponds to a different configuration payment processing quota interface, and the corresponding configuration service is invoked according to different types of payment processing services. The interface for payment processing quota is used for quota configuration processing.

Preferably, the process of invoking the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is the payment-before-pay service type, obtain the value of the amount in the second account of the merchant;

Obtain the value of the first generation payment processing amount processed by the payment processing enterprise on behalf of the payment processing enterprise;

Comparing the value of the amount in the second account of the merchant with the value of the first-generation payment processing amount;

When the value of the amount in the second account of the merchant is greater than or equal to the value of the first agent payment processing amount, the interface for configuring agent payment processing limit is invoked to configure and the first agent payment processing amount from the second account. The amount equivalent to the value of the payment processing amount is applied to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, the service type of "pay first and pay later" means that the merchant prepares to pay and process funds to the second account of the bank in advance, and the bank's agency payment processing platform compares the value of the amount in the second account with the payment to the agency. Compare the amount value of the first-generation payment processing of the company's agency payment processing, and confirm whether to configure the amount value for the interface corresponding to the first-generation payment processing company's first account according to the comparison result. When receiving the agency payment processing When the passed message is returned by the interface corresponding to the first account of the enterprise, it is determined that the quota configuration process of the payment processing enterprise is successful, and it can be determined that the amount of money in the second account of the merchant is sufficient, and at the same time, it is calculated that the merchant is the The balance in the second account after the agency payment is processed by the company.

Further, the method also includes:

When the value of the amount in the second account of the merchant is less than the value of the first payment processing amount, it is determined that the processing of the quota configuration for the first account of the payment processing enterprise fails;

Send a notification message to the merchant that the amount in the second account is insufficient, wherein the notification message includes the number of the payment processing company, the name of the payment processing company, the payment processing company The value of the first-generation payment processing amount and the balance of the second account.

In this embodiment, since the basic attribute of the pay-before-pay service type is that the value of the payment processing amount for the payment processing company must be prepared in advance, if the value of the amount in the second account of the merchant is less than that of the payment processing company When processing the first-generation payment processing amount value of enterprise payment processing, it does not meet the basic attributes of the pay-before-pay service type, and the bank does not support the payment processing service for the merchant, and the bank's collection and payment system will notify in time. The merchant informs the merchant that the balance in the second account of the merchant is insufficient and does not support the payment processing, and at the same time informs the merchant of the reason for the failure of the non-supporting payment processing, so as to improve the experience of the merchant.

Preferably, the process of invoking the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise includes:

When it is determined that the payment processing business type of the payment processing enterprise is the type of advance service, acquiring the third account information and the redemption instruction of the merchant;

Obtain the value of the second-generation payment processing amount processed by the payment processing company on behalf of the payment processing company;

Calculate the total amount of funds in the third account information based on the redemption instruction;

Comparing the total amount of funds with the value of the second-generation payment processing amount;

When the total amount of funds is greater than or equal to the value of the second-generation payment processing amount, transfer the redemption instruction and the total amount of funds equivalent to the second-generation payment processing funds to a preset fourth account;

Calling an interface for configuring an agent payment processing limit to configure an interface corresponding to the first account of the agent payment processing enterprise from the preset fourth account with an amount equivalent to the value of the second agent payment processing amount.

In this embodiment, the fund advance service means that the bank makes advance payment in advance, and the merchant does not need to prepare the reserve fund in advance. Calculate the total amount of funds of the merchant, and compare the total amount of funds with the value of the second-generation payment processing amount processed by the agency payment processing enterprise. When the total amount of funds is greater than or equal to the second-generation payment processing amount value, transfer the redemption instruction and the total amount of funds equivalent to the second agent payment processing funds to the preset fourth account, and call the configuration agent payment processing quota interface from the preset fourth account. Configure an interface corresponding to the first account of the agency payment processing company with an amount equivalent to the value of the second agency payment processing amount, and configure the amount value for the interface corresponding to the first account of the agency payment processing company.

In this embodiment, the payment processing quota configuration processing is performed according to the payment processing business type of the payment processing enterprise and the attribute of the payment processing business type, and professional customized configuration is realized for the payment processing enterprise, which is convenient for the merchants to The capital turnover improves the capital turnover rate and utilization rate of the merchant.

Further, the method also includes:

When the comparison shows that the total amount of funds is less than the value of the second-generation payment processing amount, calculating the difference between the total amount of funds and the second-generation payment processing amount value to obtain the missing funds;

Start the fund processing program to transfer the lack of funds to the preset fourth account from the account of the merchant with the excess amount value;

When the preset fourth account receives the lack of funds into the account, the interface for configuring the payment processing amount is invoked to configure the value equivalent to the second generation payment processing amount from the preset fourth account to the interface corresponding to the first account of the payment processing company.

In this embodiment, each merchant has opened an account in multiple bank channels, and the fund processing program will automatically calculate whether each bank channel account has enough funds to pay the merchant's payment processing transaction, and if there is not enough funds to pay the merchant The fund processing program will calculate the missing funds for the merchant's payment processing transactions, and automatically transfer the funds from other accounts with excess amount values to the preset advance fund account. Due to the existence of fund transfer, The system can complete the merchant's fund payment processing process without manual intervention, which ensures the smooth and orderly completion of the bank's payment processing and reduces labor costs.

S14: When receiving the successful message of quota configuration processing of each agency payment processing enterprise, generate different agency payments according to the agency payment processing business type of each agency payment processing enterprise and the agency payment processing mode of the agency payment processing business type Process instructions.

In this embodiment, each of the payment processing business types corresponds to a different payment processing mode, and different payment processing modes are generated based on the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type. For example, the payment processing mode corresponding to the payment advance service type can realize inter-day clearing, and the payment processing mode corresponding to the payment advance service type is generated according to the payment service type and the payment processing mode of the inter-day clearing. payment processing instructions.

S15: Verify each payment processing instruction to obtain a verification result.

In this embodiment, before the bank performs the payment processing, it is necessary to verify whether the payee of the corresponding payment processing enterprise in each payment processing instruction is correct.

Preferably, the verification result obtained by the verification of the proxy payment processing instruction includes:

Parse the payment processing instruction, and obtain the first account of the payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing company in the payment processing instruction with the first account of the payment processing company read from the payment processing request;

If the first account of the payment processing company in the payment processing instruction is consistent with the first account of the payment processing company read from the payment processing request, a result of verification is obtained;

If the first account of the payment processing company in the payment processing instruction is inconsistent with the first account of the payment processing company read from the payment processing request, a result of verification failure is obtained.

In this embodiment, the payment processing request submitted by the merchant business system includes the first account of the payment processing enterprise, reads the first account of the payment processing enterprise, and converts the read payment processing enterprise's first account. The first account is compared with the first account of the agency payment processing enterprise in the agency payment processing instruction, and whether the agency payment processing instruction is triggered is determined according to the comparison result, which improves the accuracy of bank agency payment processing.

S16: When it is determined that the verification result is a verification pass, trigger the proxy payment processing instruction to perform proxy payment processing, and return the proxy payment processing result to the merchant business system.

In this embodiment, when the bank completes the execution of the entrusted payment processing service entrusted by the merchant, it records the process of executing the payment processing service and packages it into a file package, and sends the file package to the merchant in a preset return method. The business system, wherein the preset return mode may be automatically triggered to send an email, or may be sent by a short message.

Preferably, after returning the payment processing result to the business system of the merchant, the method further includes:

Obtaining the account of the merchant that has performed the payment processing and the payment processing business type corresponding to the payment processing enterprise that has performed the payment processing in the payment processing result;

Obtain the payment processing mode of the payment processing business type;

The payment processing and settlement are performed on the account of the merchant that has performed the payment processing by using the payment processing mode.

In this embodiment, since the payment processing mode of each type of payment processing business is different, different payment processing and settlement can be implemented according to different payment processing modes. , the corresponding payment processing mode is to clear the account of the merchant in real time and perform payment processing on the payment processing enterprise; if the payment processing business type is the advance service type, the corresponding payment processing mode can realize cross-day payment processing. After the account of the merchant is cleared, the payment processing enterprise is performed on behalf of the payment processing company, and the bank does not need to manually transfer the funds to the UnionPay settlement account, thereby reducing the manual clearing cost and improving the fund clearing efficiency.

Further, the method also includes:

When it is determined that the verification fails, the payment agent processing instruction is not triggered.

In this embodiment, after comparing the read first account of the payment processing company with the first account of the payment processing company in the payment processing instruction, if the verification result fails, determine The first account of the payment processing company in the payment processing instruction is incorrect, and the bank needs to re-amend the first account of the payment processing company in the payment processing instruction to be in the payment processing request submitted by the merchant. The first account of the payment processing company.

To sum up, the method for bank collection and payment described in this embodiment receives a payment processing request from a business system of a merchant, wherein each payment processing request corresponds to a plurality of payment processing information; Get the payment processing business type of each agency payment processing company based on the payment processing information; call the interface for configuring the payment processing quota based on the payment processing business type of each agency payment processing company. The account performs quota configuration processing; when receiving the successful message of the quota configuration processing of each agency payment processing enterprise, it is generated according to the agency payment processing business type of each agency payment processing enterprise and the agency payment processing mode of the agency payment processing business type. Different proxy payment processing instructions; verify each said proxy payment processing instruction to obtain a verification result; when it is determined that the verification result is passed, the proxy payment processing instruction is triggered to perform proxy payment processing, and the proxy payment processing instruction will be executed. The payment processing result is returned to the merchant business system. On the one hand, in this embodiment, according to the payment processing business type of the payment processing enterprise, the payment processing quota configuration processing is performed according to the attribute of the payment processing business type. A professional customized configuration is provided, which facilitates the capital turnover of the merchant, and improves the capital turnover rate and utilization rate of the merchant; The funds processing program will calculate the missing funds, and automatically transfer the funds from other accounts with excess value to the preset advance funds account. Due to the existence of funds transfer, the system can complete the merchant's fund payment processing process without manual intervention. , which ensures the smooth and orderly completion of the bank's agency payment processing and reduces labor costs; finally, due to the different agency payment processing modes for each agency payment processing business type, different agency payment processing modes can be realized according to different agency payment processing modes. Clearing, if the payment processing business type is the advance service type, the payment processing mode corresponding to the advance payment service type can realize inter-day settlement to perform payment processing and settlement on the merchant's account without the need for banks to manually transfer funds. To the UnionPay settlement account, the efficiency of fund settlement has been improved.

Embodiment 2

FIG. 2 is a structural diagram of a bank agent collection and payment device provided in Embodiment 2 of the present invention.

In some embodiments, the bank agent collection and payment apparatus 20 may include a plurality of functional modules composed of program code segments. The program codes of each program segment in the bank collection and payment device 20 may be stored in the memory of the terminal and executed by the at least one processor to perform the bank collection and payment function (described in FIG. 1 for details).

In this embodiment, the bank agent collection and payment device 20 can be divided into a plurality of functional modules according to the functions performed by the bank. The functional modules may include: a receiving module 201 , a parsing module 202 , a configuration module 203 , a sending module 204 , a generating module 205 , a checking module 206 and a payment processing module 207 . The modules referred to in the present invention refer to a series of computer program segments that can be executed by at least one processor and can perform fixed functions, and are stored in a memory. In this embodiment, the functions of each module will be described in detail in subsequent embodiments.

Receiving module 201 : used for receiving an agency payment processing request from a merchant business system, wherein each agency payment processing request carries a plurality of agency payment processing information.

In this embodiment, the entrusted payment processing business refers to the business in which the bank accepts the entrustment of the merchant to handle the entrusted payment processing matters of the designated funds according to the agreement with the entrusting unit, and according to the list provided by the entrusting unit, the bank acts as the entrusting unit to issue the money, It mainly includes salary payment, insurance premiums, reimbursement and so on.

Parsing module 202: used to analyze the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise.

In this embodiment, the said payment processing business type refers to the business type corresponding to the payment made by the merchant to each payment processing enterprise. When acquiring the plurality of agency payment processing information, analyze each agency payment processing information to obtain the agency payment processing business type corresponding to each agency payment processing enterprise.

Preferably, the analysis module 202 analyzes the plurality of payment processing information to obtain the payment processing business type of each payment processing enterprise including:

Decompose each payment processing information into multiple preset format field information according to the preset parsing rules;

Identifying the plurality of field information obtains the payment processing business type of each payment processing enterprise.

In this embodiment, each of the agent payment processing information includes information such as the merchant nature of the merchant, the merchant account, the agent payment processing enterprise name, the agent payment processing enterprise type and other information, and the preset parsing rules are based on different agents If the different rules corresponding to the payment processing information are preset, according to the preset parsing rules, each of the payment processing information is decomposed into a plurality of field information in a preset format, and each field information is identified from the field information. The type of payment processing business corresponding to each payment processing company.

Configuration module 203 : for invoking an interface for configuring an agency payment processing quota based on the payment processing business type of each agency payment processing enterprise, and performing quota configuration processing on the first account of each agency payment processing enterprise.

In this embodiment, the types of payment processing services corresponding to each payment processing company are different, each type of payment processing service corresponds to a different configuration payment processing quota interface, and the corresponding configuration service is invoked according to different types of payment processing services. The interface for payment processing quota is used for quota configuration processing.

Preferably, the configuration module 203 calls the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise, including:

When it is determined that the payment processing business type of the payment processing enterprise is the payment-before-pay service type, obtain the value of the amount in the second account of the merchant;

Obtain the value of the first generation payment processing amount processed by the payment processing enterprise on behalf of the payment processing enterprise;

Comparing the value of the amount in the second account of the merchant with the value of the first-generation payment processing amount;

When the value of the amount in the second account of the merchant is greater than or equal to the value of the first agent payment processing amount, the interface for configuring agent payment processing limit is invoked to configure and the first agent payment processing amount from the second account. The amount equivalent to the value of the payment processing amount is applied to the interface corresponding to the first account of the payment processing enterprise.

In this embodiment, the service type of "pay first and pay later" means that the merchant prepares to pay and process funds to the second account of the bank in advance, and the bank's agency payment processing platform compares the value of the amount in the second account with the payment to the agency. Compare the amount value of the first-generation payment processing of the company's agency payment processing, and confirm whether to configure the amount value for the interface corresponding to the first-generation payment processing company's first account according to the comparison result. When receiving the agency payment processing When the passed message is returned by the interface corresponding to the first account of the enterprise, it is determined that the quota configuration process of the payment processing enterprise is successful, and it can be determined that the amount of money in the second account of the merchant is sufficient, and at the same time, it is calculated that the merchant is the The balance in the second account after the agency payment is processed by the company.

Further, in the process of comparing the value of the amount in the second account of the merchant with the value of the first-generation payment processing amount, when the value of the amount in the second account of the merchant is less than the value of the first payment. When the value of the payment processing amount is determined, it is determined that the processing of the quota configuration of the first account of the payment processing enterprise has failed;

Sending module 204: used to send a notification message that the amount in the second account is insufficient to the merchant, wherein the notification message includes the serial number of the payment processing company, the name of the payment processing company, The value of the first payment processing amount of the payment processing company and the balance of the second account.

In this embodiment, since the basic attribute of the pay-before-pay service type is that the value of the payment processing amount for the payment processing company must be prepared in advance, if the value of the amount in the second account of the merchant is less than that of the payment processing company When processing the first-generation payment processing amount value of enterprise payment processing, it does not meet the basic attributes of the pay-before-pay service type, and the bank does not support the payment processing service for the merchant, and the bank's collection and payment system will notify in time. The merchant informs the merchant that the balance in the second account of the merchant is insufficient and does not support the payment processing, and at the same time informs the merchant of the reason for the failure of the non-supporting payment processing, so as to improve the experience of the merchant.

Preferably, the configuration module 203 calls the interface for configuring the payment processing quota based on the payment processing business type of each payment processing enterprise to perform quota configuration processing on the first account of each payment processing enterprise, including:

When it is determined that the payment processing business type of the payment processing enterprise is the type of advance service, acquiring the third account information and the redemption instruction of the merchant;

Obtain the value of the second-generation payment processing amount processed by the payment processing company on behalf of the payment processing company;

Calculate the total amount of funds in the third account information based on the redemption instruction;

Comparing the total amount of funds with the value of the second-generation payment processing amount;

When it is found that the total amount of funds is greater than or equal to the value of the second-generation payment processing amount, transfer the redemption instruction and the total amount of funds equivalent to the second-generation payment processing funds to the preset No. four accounts;

Calling an interface for configuring an agent payment processing limit to configure an interface corresponding to the first account of the agent payment processing enterprise from the preset fourth account with an amount equivalent to the value of the second agent payment processing amount.

In this embodiment, the fund advance service means that the bank makes advance payment in advance, and the merchant does not need to prepare the reserve fund in advance. Calculate the total amount of funds of the merchant, and compare the total amount of funds with the value of the second-generation payment processing amount processed by the agency payment processing enterprise. When the total amount of funds is greater than or equal to the second-generation payment processing amount value, transfer the redemption instruction and the total amount of funds equivalent to the second agent payment processing funds to the preset fourth account, and call the configuration agent payment processing quota interface from the preset fourth account. Configure an interface corresponding to the first account of the agency payment processing company with an amount equivalent to the value of the second agency payment processing amount, and configure the amount value for the interface corresponding to the first account of the agency payment processing company.

In this embodiment, the payment processing quota configuration processing is performed according to the payment processing business type of the payment processing enterprise and the attribute of the payment processing business type, and professional customized configuration is realized for the payment processing enterprise, which is convenient for the merchants to The capital turnover improves the capital turnover rate and utilization rate of the merchant.

Further, in the process of comparing the total amount of funds and the value of the second generation payment processing amount, when the total amount of funds is less than the value of the second generation payment processing amount, calculate the total amount of funds and the second generation payment processing amount. The difference between the value of the payment processing amount to obtain the missing funds, and starting the fund processing program to transfer the missing funds from the account with the surplus value of the merchant to the preset fourth account.

The configuration module 203 is further configured to, when the preset fourth account receives the lack of funds into the account, call an interface to configure the payment processing quota from the preset fourth account to configure and the said preset fourth account. The amount equivalent to the value of the second agency payment processing amount is applied to the interface corresponding to the first account of the agency payment processing enterprise.

In this embodiment, each merchant has opened an account in multiple bank channels, and the fund processing program will automatically calculate whether each bank channel account has enough funds to pay the merchant's payment processing transaction, and if there is not enough funds to pay the merchant The fund processing program will calculate the missing funds for the merchant's payment processing transactions, and automatically transfer the funds from other accounts with excess amount values to the preset advance fund account. Due to the existence of fund transfer, The system can complete the merchant's fund payment processing process without manual intervention, which ensures the smooth and orderly completion of the bank's payment processing and reduces labor costs.

Generating module 205: used to generate the payment processing mode according to the payment processing business type of each payment processing company and the payment processing mode of the payment processing business type when receiving the quota configuration processing success message of each payment processing enterprise. Different payment processing instructions.

In this embodiment, each of the payment processing business types corresponds to a different payment processing mode, and different payment processing modes are generated based on the payment processing business type of each payment processing enterprise and the payment processing mode of the payment processing business type. For example, the payment processing mode corresponding to the payment advance service type can realize inter-day clearing, and the payment processing mode corresponding to the payment advance service type is generated according to the payment service type and the payment processing mode of the inter-day clearing. payment processing instructions.

Verification module 206: used for verifying each proxy payment processing instruction to obtain a verification result.

In this embodiment, before the bank performs the payment processing, it is necessary to verify whether the payee of the corresponding payment processing enterprise in each payment processing instruction is correct.

Preferably, the verification module 206 verifies the payment processing instruction to obtain a verification result including:

Parse the payment processing instruction, and obtain the first account of the payment processing enterprise in the payment processing instruction;

comparing the first account of the payment processing company in the payment processing instruction with the first account of the payment processing company read from the payment processing request;

If the first account of the payment processing company in the payment processing instruction is consistent with the first account of the payment processing company read from the payment processing request, a result of verification is obtained;

If the first account of the payment processing company in the payment processing instruction is inconsistent with the first account of the payment processing company read from the payment processing request, a result of verification failure is obtained.

In this embodiment, the payment processing request submitted by the merchant business system includes the first account of the payment processing enterprise, reads the first account of the payment processing enterprise, and converts the read payment processing enterprise's first account. The first account is compared with the first account of the agency payment processing enterprise in the agency payment processing instruction, and whether the agency payment processing instruction is triggered is determined according to the comparison result, which improves the accuracy of bank agency payment processing.

An agent payment processing module 207: used to trigger the agent payment processing instruction to perform agent payment processing when the verification result is determined to be passed, and return the agent payment processing result to the merchant business system.

In this embodiment, when the bank completes the execution of the entrusted payment processing service entrusted by the merchant, it records the process of executing the payment processing service and packages it into a file package, and sends the file package to the merchant in a preset return method. The business system, wherein the preset return mode may be automatically triggered to send an email, or may be sent by a short message.

Preferably, after the proxy payment processing module 207 returns the proxy payment processing result to the business system of the merchant, it acquires the merchant's account in the proxy payment processing result that has performed proxy payment processing and the proxy payment process that has been executed. The type of the payment processing business corresponding to the payment processing company of the payment processing; obtain the payment processing mode of the payment processing business type; use the payment processing mode to perform the payment processing on the account of the merchant that has performed the payment processing. Payment processing and settlement.

In this embodiment, since the payment processing mode of each type of payment processing business is different, different payment processing and settlement can be implemented according to different payment processing modes. , the corresponding payment processing mode is to clear the account of the merchant in real time and perform payment processing on the payment processing enterprise; if the payment processing business type is the advance service type, the corresponding payment processing mode can realize cross-day payment processing. After the account of the merchant is cleared, the payment processing enterprise is performed on behalf of the payment processing company, and the bank does not need to manually transfer the funds to the UnionPay settlement account, thereby reducing the manual clearing cost and improving the fund clearing efficiency.

The proxy payment processing module 207 is further configured to not trigger the proxy payment processing instruction when it is determined that the verification fails.

In this embodiment, after comparing the read first account of the payment processing company with the first account of the payment processing company in the payment processing instruction, if the verification result fails, determine The first account of the payment processing company in the payment processing instruction is incorrect, and the bank needs to re-amend the first account of the payment processing company in the payment processing instruction to be in the payment processing request submitted by the merchant. The first account of the payment processing company.

To sum up, a bank agent collection and payment device described in this embodiment receives an agent payment processing request from a merchant business system, wherein each agent payment processing request corresponds to a plurality of agent payment processing information; Get the payment processing business type of each agency payment processing company based on the payment processing information; call the interface for configuring the payment processing quota based on the payment processing business type of each agency payment processing company. The account performs quota configuration processing; when receiving the successful message of the quota configuration processing of each agency payment processing enterprise, it is generated according to the agency payment processing business type of each agency payment processing enterprise and the agency payment processing mode of the agency payment processing business type. Different proxy payment processing instructions; verify each said proxy payment processing instruction to obtain a verification result; when it is determined that the verification result is passed, the proxy payment processing instruction is triggered to perform proxy payment processing, and the proxy payment processing instruction will be executed. The payment processing result is returned to the merchant business system. On the one hand, in this embodiment, according to the payment processing business type of the payment processing enterprise, the payment processing quota configuration processing is performed according to the attribute of the payment processing business type. A professional customized configuration is provided, which facilitates the capital turnover of the merchant, and improves the capital turnover rate and utilization rate of the merchant; The funds processing program will calculate the missing funds, and automatically transfer the funds from other accounts with excess value to the preset advance funds account. Due to the existence of funds transfer, the system can complete the merchant's fund payment processing process without manual intervention. , which ensures the smooth and orderly completion of the bank's agency payment processing and reduces labor costs; finally, due to the different agency payment processing modes for each agency payment processing business type, different agency payment processing modes can be realized according to different agency payment processing modes. Clearing, if the payment processing business type is the advance service type, the payment processing mode corresponding to the advance payment service type can realize inter-day settlement to perform payment processing and settlement on the merchant's account without the need for banks to manually transfer funds. To the UnionPay settlement account, the efficiency of fund settlement has been improved.

Embodiment 3

Referring to FIG. 3 , it is a schematic structural diagram of a terminal according to Embodiment 3 of the present invention. In a preferred embodiment of the present invention, the terminal 3 includes a memory 31 , at least one processor 32 , at least one communication bus 33 and a transceiver 34 .

Those skilled in the art should understand that the structure of the terminal shown in FIG. 3 does not constitute a limitation of the embodiments of the present invention, and may be a bus-type structure or a star-shaped structure, and the terminal 3 may also include more More or less other hardware or software, or a different arrangement of components.

In some embodiments, the terminal 3 is a terminal that can automatically perform numerical calculation and/or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to a microprocessor, an application-specific integrated circuit, a Programming gate arrays, digital processors, and embedded devices. The terminal 3 may also include client equipment, including but not limited to any electronic product that can perform human-computer interaction with the client through a keyboard, a mouse, a remote control, a touchpad, or a voice-activated device, for example, a personal Computers, Tablets, Smartphones, Digital Cameras, etc.

It should be noted that the terminal 3 is only an example, and other existing or future electronic products that can be adapted to the present invention should also be included in the protection scope of the present invention, and are incorporated herein by reference.

In some embodiments, the memory 31 is used to store program codes and various data, such as the bank payment and collection device 20 installed in the terminal 3 , and realizes high-speed and automatic completion during the operation of the terminal 3 access to programs or data. Described memory 31 comprises read-only memory (Read-Only Memory, ROM), programmable read-only memory (Programmable Read-Only Memory, PROM), erasable programmable read-only memory (Erasable Programmable Read-Only Memory, EPROM), One-time Programmable Read-Only Memory (OTPROM), Electronically Erasable Programmable Read-Only Memory (EEPROM), CompactDisc Read-Only Memory, CD-ROM) or other optical disk storage, magnetic disk storage, magnetic tape storage, or any other computer-readable medium that can be used to carry or store data.

In some embodiments, the at least one processor 32 may be composed of integrated circuits, for example, may be composed of a single packaged integrated circuit, or may be composed of multiple integrated circuits packaged with the same function or different functions, including one Or a combination of multiple central processing units (Central Processing Units, CPUs), microprocessors, digital processing chips, graphics processors, and various control chips. The at least one processor 32 is the control core (Control Unit) of the terminal 3, and uses various interfaces and lines to connect the various components of the entire terminal 3, and by running or executing programs or modules stored in the memory 31, And call the data stored in the memory 31 to execute various functions of the terminal 3 and process data.

In some embodiments, the at least one communication bus 33 is configured to enable connection communication between the memory 31 and the at least one processor 32 and the like.

Although not shown, the terminal 3 may also include a power source (such as a battery) for supplying power to various components. Preferably, the power source may be logically connected to the at least one processor 32 through a power management device, so as to achieve management through the power management device Charge, discharge, and power management functions. The power source may also include one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, power status indicators, and any other components. The terminal 3 may further include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

It should be understood that the embodiments are only used for illustration, and are not limited by this structure in the scope of the patent application.

The above-mentioned integrated units implemented in the form of software functional modules may be stored in a computer-readable storage medium. The above-mentioned software function modules are stored in a storage medium, and include several instructions to enable a computer device (which may be a personal computer, a terminal, or a network device, etc.) or a processor (processor) to execute the methods described in the various embodiments of the present invention. part.

In a further embodiment, referring to FIG. 2 , the at least one processor 32 can execute the operating device of the terminal 3 and various types of installed application programs (such as the bank payment and collection device 20 ), program codes, etc. , for example, the various modules above.

Program codes are stored in the memory 31, and the at least one processor 32 can call the program codes stored in the memory 31 to perform related functions. For example, each module described in FIG. 2 is a program code stored in the memory 31 and executed by the at least one processor 32, thereby realizing the functions of the various modules to achieve the purpose of bank collection and payment .

In an embodiment of the present invention, the memory 31 stores a plurality of instructions, and the plurality of instructions are executed by the at least one processor 32 to implement the function of bank collection and payment.

Specifically, for the specific implementation method of the above instruction by the at least one processor 32, reference may be made to the description of the relevant steps in the embodiment corresponding to FIG. 1 , and details are not described herein.

In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are only illustrative. For example, the division of the modules is only a logical function division, and there may be other division manners in actual implementation.

The modules described as separate components may or may not be physically separated, and components shown as modules may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment.

In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit. The above-mentioned integrated units can be implemented in the form of hardware, or can be implemented in the form of hardware plus software function modules.

It will be apparent to those skilled in the art that the present invention is not limited to the details of the above-described exemplary embodiments, but that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics of the invention. Therefore, the embodiments are to be regarded in all respects as illustrative and not restrictive, and the scope of the invention is to be defined by the appended claims rather than the foregoing description, which are therefore intended to fall within the scope of the claims. All changes within the meaning and range of the equivalents of , are included in the present invention. Any reference signs in the claims shall not be construed as limiting the involved claim. Furthermore, it is clear that the word "comprising" does not exclude other units or, and the singular does not exclude the plural. Several units or means recited in the device claims can also be realized by one unit or means by means of software or hardware. The terms first, second, etc. are used to denote names and do not denote any particular order.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and not to limit them. Although the present invention has been described in detail with reference to the preferred embodiments, those of ordinary skill in the art should understand that the technical solutions of the present invention can be Modifications or equivalent substitutions can be made without departing from the spirit and scope of the technical solutions of the present invention.

Claims (10)

1. A method for receiving and paying on behalf of a bank, the method comprising:

receiving payment withholding processing requests of a merchant service system, wherein each payment withholding processing request carries a plurality of payment withholding processing information;

analyzing the plurality of generation payment processing information to obtain a generation payment processing service type of each generation payment processing enterprise;

calling an interface for configuring a payment-for-delivery processing limit based on the payment-for-delivery processing service type of each payment-for-delivery processing enterprise to perform limit configuration processing on a first account of each payment-for-delivery processing enterprise;

when receiving the successful message of quota configuration processing of each agent payment processing enterprise, generating different agent payment processing instructions according to the agent payment processing service type of each agent payment processing enterprise and the agent payment processing mode of the agent payment processing service type;

verifying each payment substitute processing instruction to obtain a verification result;

and when the verification result is confirmed to be passed, triggering the payment withholding processing instruction to carry out payment withholding processing, and returning the payment withholding processing result to the merchant service system.

2. The method for bank payment processing according to claim 1, wherein the calling the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise comprises:

when the type of the payment-for-generation processing business of the payment-for-generation processing enterprise is determined to be a first-receiving-and-later-paying service type, acquiring a sum value in a second account of the merchant;

acquiring a first generation payment processing amount value of the generation payment processing enterprise;

comparing the amount value in the second account of the merchant with the first generation payment processing amount value;

and when the sum value in the second account of the merchant is larger than or equal to the first generation payment processing sum value, calling the configured generation payment processing sum value interface to configure a sum value equivalent to the first generation payment processing sum value from the second account to an interface corresponding to the first account of the generation payment processing enterprise.

3. A bank payment method according to claim 2, wherein the bank payment method further comprises:

and when the comparison result shows that the amount value in the second account of the merchant is smaller than the first generation payment processing amount value, the first account sends a notification message that the amount value in the second account is insufficient to the merchant, wherein the notification message comprises the number of the generation payment processing enterprise, the name of the generation payment processing enterprise, the first generation payment processing amount value of the generation payment processing enterprise and the balance of the second account.

4. The method for bank payment processing according to claim 1, wherein the calling the interface for configuring the payment processing credit based on the payment processing business type of each payment processing enterprise to perform credit configuration processing on the first account of each payment processing enterprise comprises:

when the type of the payment-for-generation processing business of the payment-for-generation processing enterprise is determined to be a bedding service type, acquiring third account information and a redemption instruction of the merchant;

acquiring a second generation payment processing amount value of the generation payment processing enterprise;

calculating a total amount of funds in the third account information based on the redemption instruction;

comparing the total amount of the fund with the second generation payment processing amount value;

when the total fund amount is larger than or equal to the second-generation payment processing amount value through comparison, drawing the redemption instruction and the consumption share equivalent to the second-generation payment processing total fund amount into a preset fourth account;

and calling a configured withholding amount interface to configure an amount equivalent to the value of the second withholding amount from the preset fourth account to an interface first account corresponding to the first account of the withholding enterprise.

5. A bank payment method according to claim 4, wherein the bank payment method further comprises:

when the total amount of the fund is smaller than the second-generation payment processing amount value through comparison, calculating the difference between the total amount of the fund and the second-generation payment processing amount value to obtain the missing fund;

starting a fund processing program to draw the lacking fund from the account of the merchant with the surplus amount value into the preset fourth account;

and when the preset fourth account receives the missing fund to be paid, calling a configuration payment-for-delivery processing amount interface to configure an amount equivalent to the numerical value of the second generation payment processing amount to an interface corresponding to the first account of the payment-for-delivery processing enterprise from the preset fourth account.

6. A method for receiving and paying a bank as claimed in claim 1, wherein said verifying said payment-for-delivery processing instruction to obtain a verification result comprises:

analyzing the payment agency processing instruction, and acquiring a first account of a payment agency processing enterprise in the payment agency processing instruction;

comparing the first account of the payment-for-delivery processing enterprise in the payment-for-delivery processing instruction with the first account of the payment-for-delivery processing enterprise read from the payment-for-delivery processing request;

if the first account of the payment-for-delivery processing enterprise in the payment-for-delivery processing instruction is consistent with the first account of the payment-for-delivery processing enterprise read from the payment-for-delivery processing request in comparison, obtaining a result of passing verification;

and if the comparison between the first account of the payment agency processing enterprise in the payment agency processing instruction and the first account of the payment agency processing enterprise read from the payment agency processing request is inconsistent, obtaining a result that the verification fails.

7. The method of bank collect-payment according to claim 1, wherein the parsing the plurality of collect-payment processing information to obtain the collect-payment processing business type of each collect-payment processing enterprise comprises:

decomposing each payment-for-delivery processing information into a plurality of field information in a preset format according to a preset analysis rule;

and identifying the plurality of field information to obtain the type of the payment agency processing service of each payment agency processing enterprise.

8. A bank payment and receipt apparatus, comprising:

the receiving module is used for receiving payment withholding processing requests of the merchant service system, wherein each payment withholding processing request carries a plurality of payment withholding processing information;

the analysis module is used for analyzing the plurality of generation payment processing information to obtain the generation payment processing service type of each generation payment processing enterprise;

the configuration module is used for calling an interface for configuring the credit line of the payment-for-delivery processing based on the type of the payment-for-delivery processing service of each payment-for-delivery processing enterprise to configure the credit line of the first account of each payment-for-delivery processing enterprise;

the generation module is used for generating different generation payment processing instructions according to the generation payment processing service type of each generation payment processing enterprise and the generation payment processing mode of the generation payment processing service type when receiving the credit line configuration processing success message of each generation payment processing enterprise;

the verification module is used for verifying each payment substitute processing instruction to obtain a verification result;

and the payment-replacing processing module is used for triggering the payment-replacing processing instruction to perform payment-replacing processing when the verification result is determined to be passed, and returning the payment-replacing processing result to the merchant service system.

9. A terminal, characterized in that the terminal comprises a processor for implementing a bank payment method according to any one of claims 1 to 7 when executing a computer program stored in a memory.

10. A computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the method of bank payment/receipt according to any one of claims 1 to 7.

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