TWI728649B - System and method for electronic payment inter-institution transfer and clearing - Google Patents

Abstract

A system and method for cross-institution transfer and clearing of electronic payments, in which a client sending end device uses a first payment application program and a client receiving end device to perform a transaction behavior; the first payment application program will include a transfer account The transaction information and the transfer amount are sent to a cross-institution transfer platform through a first branch office server, and the cross-institution transfer platform sends the transaction information and transfer amount to a second branch office server; 2. The server of the branch office confirms the correctness of the transferred account, and if it is correct, the payment will be credited to the account. Therefore, through the system of the present invention, users can conduct transactions such as transfer, shopping, payment and other transactions through the payment application of any electronic branch institution. The electronic branch institution itself does not need to sign contracts with all banks, and can communicate with each other through a cross-institution transfer platform. All banks conduct transactions.

Description

System and method for electronic payment inter-institution transfer and clearing

The present invention relates to a new type of cash flow structure, in particular to a system and method for cross-institution transfer and clearing of electronic payments.

By the way, with the increasing popularity of smart phones, the use of mobile payment, electronic payment and other methods to conduct transactions allows consumers to only bring their mobile phones out of the house, eliminating the total burden of carrying wallets, change, and multiple credit cards. According to statistics, the total number of users of electronic payment institutions in my country (hereinafter referred to as "electricity branch institutions") has been increasing year by year, and the transaction amount of electronic payments has also grown from 2.18 billion yuan in April 2018 to 3.94 billion yuan in November 2019. It means that electronic payment is becoming more and more popular.

The domestic mobile payment industry (including e-tickets, e-payments, third-party payment providers, etc.) are competing to enter the market. Due to the strong brand advantages of international payment companies, the large number of market competitors, different specifications, scattered investment resources, and the need to cooperate with merchants With the multi-party intermediation of banks, the introduction cost of the industry and the merchants is high, and the market and merchants' penetration rate is not high. For example, the current electronic payment industry cannot communicate with multiple banks through the existing domestic bank connection platforms. They all conduct transactions in a direct connection mode, providing electronic payment accounts linked to the user’s deposit account for value storage, actual transaction deductions, and Withdrawal and so on, for example, Jiekou Payment has been directly connected to 17 financial institutions. At the same time, the all-in-one card with electronic ticket and electronic payment license is also directly connected to 11 financial institutions. Since the financial information of each electronic branch institution (including financial institutions) has its own message format, whenever an electronic branch institution signs a contract with a new electronic branch institution, it must adjust the message format of each other in order to be able to communicate with each other. Compatibility in the system is time-consuming and labor-intensive, and it is also prone to system failures.

In view of this, the present invention proposes a system and method for cross-institution transfer and clearing of electronic payments to improve the safety and efficiency of electronic payments, so as to effectively solve the above-mentioned problems. The specific structure and implementation methods will be described in detail below:

The main purpose of the present invention is to provide a system and method for cross-institution transfer and clearing of electronic payments, which uses a cross-institution transfer platform to connect the power branches at both ends, so that the power branches can communicate with each other through the cross-institution transfer platform Real-time exchange of transaction information, that is, as long as the inter-agency transfer platform is added, it is equivalent to interfacing with other electronic branch agencies, saving time and effort, and allowing users to have more choices when trading.

Another object of the present invention is to provide a system and method for electronic payment inter-institution transfer and clearing, which not only achieves the inter-institution transfer of the electric branch through the inter-institution transfer platform, but also provides a clearing mechanism to enable the front-end electric branch Real-time exchange of transaction information, fast settlement of back-end payments, unified management through the cross-institution transfer platform, to reduce the cost of many-to-many interface between e-branch institutions and strengthen the efficiency of cross-institution transaction processing and settlement.

To achieve the above objective, the present invention provides an electronic payment cross-institution transfer and clearing system, including: a client sending end device, in which a first payment application is installed, and when a transaction is performed using the first payment application, The first payment application sends a transaction information, including a transfer-in account number and a transfer amount; a first electronic branch server, which signals the client's sending end device, receives the transaction information and forwards it; an inter-agency transfer The connection platform, the signal is connected to the first branch office server, receives the transaction information, forwards the transaction information, allocates funds according to the transfer amount, and real-time settlement; a second branch office server, the signal connects to the inter-institution transfer platform , After receiving the transaction information and the transfer amount, confirm whether the transfer account is correct, if it is correct, enter the transfer amount allocated by the inter-agency transfer platform, and reply to a successful transaction through the inter-agency transfer platform The message is sent to the server of the first branch office, and an account information is sent; and a client receiving end device is signaled to the server of the second branch office to receive the account information.

According to an embodiment of the present invention, when the transaction is a transfer, a second payment application is installed in the receiving end device of the client, so that the second payment application can be used to receive the account information. At this time, the transaction information further includes the name or code of the second payment application.

According to an embodiment of the present invention, when the transaction behavior is consumer shopping, the client sending end device further includes a scanning device, and the client receiving end device is a store-end device that provides a payment receipt barcode, and the scanning device scans it during the transaction The first payment application program sends the transaction information after the receipt barcode. At this time, the transaction information further includes the name or code of a contracted organization of the store-side device, store code, consumption time, etc. The receipt barcode is a two-dimensional barcode or QR code.

According to an embodiment of the present invention, the first and second payment applications are electronic payment applications or online banking applications.

According to an embodiment of the present invention, the first payment application can bind a bank account or provide a stored value account for paying the transfer amount.

According to the embodiment of the present invention, the transaction information and the transaction success message transmitted between the first and second payment applications and the inter-agency switching platform use the same formatted text.

According to an embodiment of the present invention, the first payment application is provided by the first electric branch server, and the second payment application is provided by the second electric branch server.

The present invention also provides a method for inter-institution transfer and clearing of electronic payments, which includes the following steps: a client sending end device uses a first payment application to perform a transaction between a client receiving end device; the first payment application The program sends a transaction information to a server of a first electricity branch, including a transfer-in account number and a transfer amount; the server of the first electricity branch sends the transaction information to a cross-organization transfer platform; the cross-organization After receiving the transaction information, the transfer platform sends the transaction information and the transfer amount to a second electronic branch server for real-time settlement; and the second electronic branch server receives the transaction information and the After the transfer amount, confirm whether the transfer account is correct, if it is correct, enter the transfer amount allocated by the inter-agency transfer platform, and reply a transaction success message to the first electronic payment through the inter-agency transfer platform The organization server, and sends an accounting message to the client device at the receiving end.

According to the embodiment of the present invention, when the transaction behavior is consumer shopping, the following steps are further included: the client receiving end device is a store end device, providing a payment receipt barcode; the client sending end device uses a scanning device to scan the payment receipt barcode , And display the transfer account number and the transfer amount on the client device for confirmation; and the first payment application program sends the transaction information to the server of the first branch office.

The present invention provides a system and method for electronic payment inter-institution transfer and clearing. Please refer to Figure 1. It is a system architecture diagram of the first embodiment of the electronic payment inter-institution transfer and clearing system of the present invention, which includes a The client sending end device 10, at least one first electric branch server 12, an inter-agency switching platform 14, at least one second electric branch server 16 and a client receiving end device 18, the inter-agency switching platform 14 is connected The electrical branch server at both ends can be multiple electrical branch servers. The client sending end device 10 is an electronic device that can operate transactions online, such as a smart phone or a tablet computer. The client sending end device 10 The user wants to choose to use the payment application provided by the server 12 of the first electronic branch, such as an electronic payment application or an online banking application, to conduct a transfer transaction with the client device 18, and transfer the funds to another An electric branch, that is, the second electric branch server 16.

A first payment application 102 is installed in the client device 10, which is provided by the first electricity branch server 12, and a second payment application 182 is installed in the client device 18, which is a second payment application. Provided by the institutional server 16, when the client device 10 uses the first payment application 102 to transfer money, the first payment application 102 sends a transaction information, including a transfer-in account number, a transfer amount, and a second payment The name or code of the application, etc.; the first branch organization server 12 is connected with the client device 10 through a wireless network signal to receive transaction information and forward it to the inter-agency switching platform 14; the inter-agency switching platform 14 and the first The signal connection between a branch office server 12 and a second branch office server 16 is a third-party, impartial intermediary platform, which is only used to connect and forward messages between multiple branch office servers, and Without participating in encoding, decoding, verification, etc., the identities of both parties to the transaction will not be known. Therefore, after the inter-agency transfer platform 14 receives the transaction information sent by the first electrical branch server 12, it directly forwards it to the designated second The branch office server 16, and allocates funds and real-time settlement according to the transfer amount; the second branch office server 16 and the inter-institution transfer platform 14 and the client receiving end device 18 are used to receive the transaction information and the transfer amount, and confirm Whether the transferred account number is correct, if it is correct, enter the transfer amount allocated by the inter-agency transfer platform 14 and reply a transaction success message to the first electronic branch server 12 through the inter-agency transfer platform 14 and send a The accounting message is sent to the client receiving end device 18.

Furthermore, the specific process of the embodiment in Figure 1 is as shown in Figure 2. In step S10, when the client device uses the first payment application to perform a transaction between the client device and the client device, especially the transfer During the behavior, the first payment application will send the transaction information to the server of a first branch office. The transaction information includes a transfer account number and a transfer amount, as described in step S12; then in step S14, the first branch The branch office server sends the transaction information to the inter-institution transfer platform; then, as described in step S16, after the cross-institution transfer platform receives the transaction information, the transfer amount is obtained, and the transaction information is sent to the second branch office server. At the same time, the funds of the transfer amount will be allocated to the server of the second electronic branch institution and cleared immediately; step S18, after the second electronic branch server receives the transaction information and the funds of the transfer amount, first confirm the correctness of the transferred account For example, verify that the transferred account does exist. If the result is correct, as described in step S20, the second electronic branch server will account for the transfer amount allocated by the inter-institution transfer platform, and use the cross-institution transfer platform Reply a successful transaction message to the server of the first branch office. The server of the first branch office will report back to the client device to let the payer know that the transfer has been successful. In addition, the server of the second branch office will also send a The credit message is sent to the client device to let the recipient know that the payment has been credited.

The above is the transfer process, and the client device is the payee's smart phone, tablet computer and other electronic devices. In addition, the transaction behavior of the present invention can also include consumer shopping and payment, tax payment, etc., as shown below Narrated.

Figure 3 is a system architecture diagram of the second embodiment of the system for inter-institution transfer and clearing of electronic payments of the present invention. In this embodiment, the client receiving end device 20 is a store end device, such as a computer system in a store, which generates a payment receipt barcode during checkout, or the product itself has a payment barcode for consumers. Scanning, therefore, the client sending end device 10 further includes a scanning device (not shown in the figure). The receipt barcode is a two-dimensional barcode or QR code.

Please also refer to FIG. 4, which is the application flowchart of the second embodiment in FIG. 3. When checking out, as described in step S30, the client sending end device uses a first payment application to conduct a transaction with the client receiving end device, and the client receiving end device provides a payment barcode; step S32, the client sending end device 10 The scanning device scans the receipt barcode provided by the client receiving device 20, and displays the transfer account number and transfer amount on the client sending device 10 for confirmation by the payer; the payer confirms that the transfer account and transfer amount are correct Then, in step S34, the first payment application 102 sends a transaction information to the first branch office server 12. At this time, in addition to the account number and the transfer amount, the transaction information also includes the information of the store-side device 20 1. Name or code of the contracted organization, store code, consumption time, etc.; in step S36, the first electrical branch server 12 transmits the transaction information to the inter-agency switching platform 14; then, as described in step S38, the inter-agency switching platform 14 After receiving the transaction information, the transfer amount is obtained, and the transaction information is sent to the second electronic branch server 16, and at the same time the transfer amount is allocated to the second electronic branch server 16, and real-time settlement is performed; step S40 After receiving the transaction information and the transfer amount, the server 16 of the second electronic branch first confirms the correctness of the transferred account, such as verifying that the transferred account does exist and the balance of the transferred account is sufficient. If the result is correct, Then, as described in step S42, the second branch office server 16 records the transfer amount allocated by the inter-institution transfer platform 14 and replies a transaction success message to the first branch office server through the inter-institution transfer platform 14 The first branch office server 12 will report back to the client device 10 to let the payer know that the transfer has been successful. In addition, the second branch office server 16 also sends an account message to the client device 18 To let the recipient know that the money has been credited.

The first payment application can bind a bank account or provide a stored value account to deduct money from the bank account or stored value account when the transfer amount needs to be paid. In addition, the transaction information and transaction success messages sent between the first and second payment applications and the inter-institution transfer platform are in the same format, including the same compilation method and encryption method, so that the transmission of messages between multiple parties can be consistent. Tolerate in their own systems.

In summary, the system and method for inter-institutional transfer and clearing of electronic payments provided by the present invention utilizes a multi-institution transfer platform to connect multiple electronic payment institutions at both ends of payment and collection, allowing the payer to communicate with each other. Transfers and payments between payees can be made through the payment application provided by the electronic branch, and consumers can use the payment application of any home appliance branch (including financial institutions) to use different actions such as transfer, shopping, and payment Payment services increase the willingness of the general public to use electronic payment tools. Moreover, the same store or business unit only needs to sign a contract with one bank or e-commerce company. Multi-party information and cash flow operations can be integrated to improve the payee’s Collection efficiency, accounting management is more convenient.

Only the above are only preferred embodiments of the present invention and are not used to limit the scope of implementation of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of the present invention should be included in the patent application scope of the present invention.

10: Client sender device 102: First payment application 12: The first electrical branch server 14: Inter-agency transfer platform 16: The second electric branch server 18: Client receiving device 182: The second payment application 20: Store-side device

Figure 1 is a system architecture diagram of the first embodiment of the system for inter-institution transfer and clearing of electronic payments of the present invention. Figure 2 is a flowchart of the first embodiment of the present invention. Figure 3 is a system architecture diagram of the second embodiment of the system for inter-institution transfer and clearing of electronic payments of the present invention. Figure 4 is a flowchart of the second embodiment of the present invention.

10: Client sender device

102: First payment application

12: The first electrical branch server

14: Inter-agency transfer platform

16: The second electric branch server

18: Client receiving device

182: The second payment application

Claims (15)

An electronic payment cross-institution transfer and clearing system, comprising: a client sender device, in which a first payment application is installed, and when a transaction is performed using the first payment application, the first payment application transmits a Transaction information, including a transfer-in account number and a transfer amount; a first electronic branch server, a signal connected to the client's sender device, receiving the transaction information and forwarding; a cross-institution transfer platform, a signal connected to the first The branch office server, which receives the transaction information, forwards the transaction information, allocates funds based on the transfer amount, and settles in real time; a second branch office server, signals to the inter-institution transfer platform to receive the transaction information and the transfer After the amount, confirm whether the transfer account is correct, if it is correct, enter the transfer amount allocated by the inter-agency transfer platform, and reply a transaction success message to the first electronic branch through the inter-agency transfer platform Server, and sends out a crediting message; and a client receiving end device, signaled to connect to the second branch office server, and a second payment application is installed in the client receiving end device to receive the crediting message; Wherein, the transaction information and the transaction success message transmitted between the first and second payment applications and the inter-agency transfer platform are messages in the same format. For the electronic payment inter-institution transfer and clearing system described in claim 1, wherein when the transaction is a transfer, the transaction information further includes the name or code of the second payment application. The electronic payment inter-institution transfer and clearing system described in claim 1, wherein the first and second payment applications are electronic payment applications or online banking applications. The electronic payment cross-institution transfer and clearing system as described in claim 1, wherein when the transaction is consumer shopping, the client sending end device further includes a scanning device, the client receiving end device is a store end device, and A bar code for receiving payment is provided, and after the scanning device scans the bar code for receiving payment during a transaction, the first payment application program sends the transaction information. For the electronic payment inter-institution transfer and clearing system described in claim 4, when the transaction behavior is consumer shopping, the transaction information further includes the name or code of a contracted organization of the store-side device, the store code, and the time of consumption . The electronic payment inter-institution transfer and clearing system described in claim 4, wherein the receipt barcode is a two-dimensional barcode or a QR code. As described in claim 4, the electronic payment cross-institution transfer and clearing system, wherein the first payment application can bind a bank account or provide a stored value account for paying the transfer amount. The electronic payment inter-institution transfer and clearing system according to claim 1, wherein the first payment application is provided by the server of the first electronic branch, and the second payment application is provided by the second electronic payment application. Provided by the support server. An electronic payment cross-institution transfer and clearing method, including the following steps: a client sending end device uses a first payment application program to perform a transaction between a client receiving end device; the first payment application program transmits a transaction The information is sent to a server of the first branch office, which includes a transfer-in account number and a transfer amount; The server of the first branch office sends the transaction information to an inter-institution transfer platform; after receiving the transaction information, the inter-institution transfer platform sends the transaction information and the transfer amount to a second branch After receiving the transaction information and the transfer amount, the second electronic branch server will confirm whether the transferred account is correct, and if it is correct, the cross-institution transfer platform will transfer the funds allocated by the platform. The transfer amount is credited to the account, and a transaction success message is returned to the first branch office server through the inter-agency transfer platform, and a crediting message is sent to the client receiving end device, and the client receiving end device is installed with a A second payment application program to use the second payment application program to receive the account information; wherein, the transaction information and the transaction success message transmitted between the first and second payment applications and the inter-institution transfer platform The messages are in the same format. Such as the method of electronic payment inter-institution transfer and clearing described in claim 9, wherein when the transaction is a transfer, the transaction information further includes the name or code of the second payment application. The method for inter-institution transfer and clearing of electronic payments according to claim 9, wherein the first and second payment applications are electronic payment applications or online banking applications. The method for inter-institution transfer and clearing of electronic payment according to claim 9, wherein when the transaction is consumer shopping, the method further includes the following steps: the client receiving end device is a store end device, providing a payment barcode; the The sending end device of the client scans the payment barcode with a scanning device, and displays the transfer account number and the transfer amount on the sending end device of the client for confirmation; and the first payment application sends the transaction information to the first payment application. An electrical branch server. Such as the method of electronic payment inter-institution transfer and clearing described in claim 12, wherein when the transaction behavior is consumer shopping, the transaction information further includes the name or code of a contracted organization of the store-side device, the store code, and the time of consumption . For the method for electronic payment inter-institution transfer and clearing described in claim 12, the first payment application can bind a bank account or provide a stored value account for paying the transfer amount. The method for inter-institution transfer and clearing of electronic payment according to claim 9, wherein the first payment application is provided by the server of the first electronic branch, and the second payment application is provided by the second electronic payment application. Provided by the support server.

Images