Note: Descriptions are shown in the official language in which they were submitted.
Title: Interbank Payment System And Interbank Payment Method
Technical Field
[1] The present invention relates to the field of finance, and in
particular, to an interbank
payment system and an interbank payment method.
Background Technology
[2] Online interbank payment belongs to the agreement between banks (or
bank and non-bank
liquidation organization). When the payee does not open an account with the
same bank,
inter-bank settlement of payment instruction is transmitted or converted
through a plurality
of systems, and some processing sectors still need commercial bank staff
manual
intervention, business processing time is longer, the customer also cannot
understand the
processing result of payment business in time. In order to improve the
efficiency of
inter-bank liquidation of online payment, enhance the online banking service
of
commercial banks and better fulfil the payment and clearing responsibilities
of the Central
Bank, the People's Bank of China ("PBC") has decided to establish an inter-
bank
liquidation system for online payment.
[3] The online payment interbank settlement system is a Renminbi ("RMB")
interbank
payment and settlement infrastructure built by the PBC and is an important
part of China's
modem payment system. The online payment interbank settlement system mainly
supports
the processing of online inter-bank retail business. The business orders are
delivered one by
one, with real-time rolling difference and regular liquidation. Clients can
submit payment
transactions online and obtain business results in real time. The system
supports access to
non-financial institution payment service commercial bank and approved by the
PBC, and
to provide 7 x 24 hours a day.
[4] It can be seen from the above that the existing payment implementations
already provide
users with a good payment experience and are gradually getting faster and more
convenient. However, there still exist barriers between different banking
systems. If the
payers have an account in a different bank, he or she needs to make a payment
operation on
different banking systems.
Summary of the Invention
[5] The technical problem to be solved by the present invention is to
provide an inter-bank
payment system and an inter-bank payment method in view of the above-mentioned
problems that each banking system still has its own barriers and inconvenient
payment.
[6] The technical solution adopted by the present invention to solve the
technical problem is as
follows: On the one hand, it constructs a cross-bank payment method to provide
inter-bank
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payment server, client terminal, and multiple card issuers, wherein the client
terminal
includes at least one payment client and at least one receiving client, the
interbank payment
method includes the following steps:
[7] Si, The payment clients in multiple customer terminals deliver payment
requests
information to the receiving client through the interbank payment server, and
select one of
the multiple card issuing terminals as one of the payment account information
of the
payment account;
[8] S2. The receiving client responds to the payment request information
and returns the
receipt confirmation information including one of the plurality of card
issuing terminals as
the payment account information of the payment account to the payment client
through the
interbank payment server;
[9] S3: the inter-payment server generates a payment command according to
the payment
account information and the payment account information, and delivers the
payment
command to the card issuing terminal corresponding to the payment account
selected by
the payment client.
[10] S4. The card issuing terminal receives the payment instruction and
pays an amount
corresponding to the payment amount information from the payment account to
the
payment account according to the payment instruction.
[11] In the inter-bank payment and receipt method according to the present
invention, the
inter-bank payment and receipt method further includes:
[12] SO: the user logs in to the interbank payment server through the
client terminal to bind the
card issuing terminal corresponding to the identity information of the user.
[13] In the inter-bank payment and receipt method of the present invention,
in step Si, the
interbank payment server stores the payment request information;
[14] In the step S2, the interbank payment server stores the receipt
confirmation information.
[15] In the interbank payment method of the present invention, the method
further includes:
[16] S5. After step S4, the client terminal delivers a query request to the
interbank payment
server.
[17] S6: the inter-bank payment server responds to the inquiry request to
query the stored
payment request information, the receipt confirmation information, and returns
a query
result to the client terminal that delivers the inquiry request.
[18] In the inter-bank payment and receipt method according to the present
invention, in the
step SO, the payment client further issues a plurality of types of service
information to the
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payment client through the inter-bank payment and receipt server;
[19] In the step Si, the payment client further selects at least one piece
of service information
from the multiple pieces of service information and delivers the payment
request message
to the receiving client via the interbank payment server according to the
selected service
information.
[20] In the inter-bank payment and receipt method of the present invention,
in step Si, an
instant online session between the payment client and the payment client is
established in
the interbank payment server. The payment client delivers payment request
information to
the receiving client through the interbank receiving server after the online
session is
completed.
[21] A cross line payment method for the implementation of the present
invention has the
following beneficial effects: As interbank receipts carry out data docking
with banks'
backstage, as long as users enter the banking system at the initial setting,
the account is
interlocked with interbank receipts, any subsequent operations only need to
enter the
inter-bank receiver to perform operations on the amount of money stored in the
bank
account of the user, it realize the operation of all the bank data in the same
tool without
having to visit the appropriate banking system one by one to complete the
purpose of
inter-bank payment.
[22] In another aspect, the present invention provides an interbank payment
system, including
an interbank payment server, a client terminal communicatively connected to
the interbank
payment server, and a plurality of card issuing terminals communicatively
connected to the
interbank payment server, the client terminals including at least one payment
client and at
least one payment client;
[23] The payment client is used to issue, through the inter-bank payment
server, a payment
request including payment amount information to a payment receiving client and
one of the
plurality of card issuing terminals as payment account information of the
payment account
information;
[24] The payment client is used to respond to the payment request
information and returns the
receipt confirmation information including one of the plurality of card
issuing terminals as
the payment account information of the payment account to the payment client
through the
interbank payment server;
[25] The inter-bank payment server includes a payment module, and the
payment module is
used to generate a payment command according to the payment account
information and
the payment account information, and deliver the payment command to the card
issuing
terminal corresponding to the payment account selected by the payment client;
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[26] The card issuing terminal is used to receive the payment instruction
and pays an amount
corresponding to the payment amount information from the payment account to
the
payment account according to the payment instruction.
[27] In the interbank payment system of the present invention, the client
terminal is also used to
log in the interbank payment server to bind the card issuing terminal
corresponding to the
user's identity information;
[28] The payment client is also used to publish multiple types of service
information to the
payment client through the inter-bank payment server;
[29] The payment client is also used to select at least one piece of
service information from the
multiple pieces of service information and delivers the payment request
message to the
receiving client via the interbank payment server according to the selected
service
information.
[30] In the interbank payment system of the present invention, the
interbank payment server
further includes a storage module and a query module;
[31] The storage module is used to store the payment request information
and the receipt
confirmation information;
[32] The query module is used to, in response to a querying request,
querying the stored
payment request information and the collection acknowledgement information and
returning a querying result to the client terminal that delivered the querying
request;
[33] The client terminal is also used to issue the query request to the
inter-payment server.
[34] In the interbank payment system of the present invention, the
interbank payment server
further includes an online conversation module, and the online module is used
to establish
an instant online conversation between the client terminals.
[35] An interbank payment system implementing the present invention has the
following
beneficial effects: all bank data is operated within the same tool and inter-
bank payment
can be completed without having to visit the corresponding banking system one
by one.
Brief Description
[36] The present invention will be further described below with reference
to the accompanying
drawings and examples. In the drawings:
[37] Figure 1 is a flowchart of a method for inter-bank payment and receipt
according to a first
example of the present invention;
[38] Figure 2 is a schematic structural diagram of an inter-bank payment
and receipt system
according to a first example of the present invention;
[39] Figure 3 is a flowchart of a method for inter-bank payment and receipt
according to a
second example of the present invention;
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[40] Figure 4 is a flow chart of information flow between client terminals
according to a second
example of the present invention;
[41] Figure 5 is a flowchart of a method for inter-bank payment and receipt
according to a third
example of the present invention;
[42] Figure 6 is a flow chart of the flow of information between client
terminals according to a
fourth example of the present invention;
[43] Figure 7 is a flowchart of information flow between client terminals
according to a fifth
example of the present invention.
Description of the Preferred Examples
[44] For a clearer understanding of the technical features, objectives and
effects of the present
invention, the specific examples of the present invention will be described in
detail with
reference to the accompanying drawings.
[45] The present invention provides an interbank payment system and an
inter-bank payment
and receipt method. By establishing an inter-bank payment server and
performing data
docking with a card issuing terminal of each bank in a banking system, the
interbank
payment server is connected to a card issuer terminal, as long as the user
(i.e., the client
terminal 1) enters the interbank payment server before performing the inter-
bank payment
and receipt operation and binds the corresponding bank account and the
interbank payment
server, any subsequent operations need only enter the interbank receipt and
payment server.
The amount of money stored in the bank account owned by the user is
manipulated. If it is
a credit card, the money can be operated within the credit limit of the card.
If it is a debit
card, the balance of the card can be operated. The system and method to
achieve the
purpose of operating all the bank data in the same tool without having to
visit the
corresponding banking system one by one to complete the inter-bank payment,
but also can
publish business information to perform payment operation, in the same tool,
the purpose
of realizing the combination of sale and payment in the same tool is realized.
[46] Figure 1 is a flowchart of an inter-bank payment and receipt method
according to a first
example of the present invention. As shown in Figure 1, the inter-bank receipt
and payment
method provides an interbank payment server, a client terminal, and a
plurality of card
issuers, wherein the client terminal includes at least one payment client and
at least one
payment client, the interbank payment method including the following steps:
[47] S 1, The payment clients in multiple customer terminals deliver
payment requests
information to the receiving client through the interbank payment server, and
select one of
the multiple card issuing terminals as one of the payment account information
of the
payment account;
[48] S2. The receiving client responds to the payment request information
and returns the
receipt confirmation information including one of the plurality of card
issuing terminals as
the payment account information of the payment account to the payment client
through the
interbank payment server;
[49] S3: the inter-payment server generates a payment command according to
the payment
account information and the payment account information, and delivers the
payment
command to the card issuing terminal corresponding to the payment account
selected by
the payment client.
[50] S4. The card issuing terminal receives the payment instruction and
pays an amount
corresponding to the payment amount information from the payment account to
the
payment account according to the payment instruction.
[51] Figure 2 is a schematic structural diagram of an inter-bank payment
and receipt system
according to a first example of the present invention. As shown in Figure 2,
the present
invention provides an interbank payment and receipt system, A server 2, a
plurality of
client terminals 1 communicatively connected to the interbank server 2 (e.g. a
cross-bank
cashing server, an interbank cashier server, a cross-bank receipt and
disbursement server, a
cross-bank payment server), and a plurality of card issuing terminals 3
communicably
connected to the interbank server 2, wherein the plurality of the card issuing
terminals 3 are
provided in a plurality of different issuing bank (bank), so as to operate on
the data of
different issuing bank. Please refer to Figure 2, the client terminal 1 may be
a mobile
terminal or a notebook computer or a fixed computer device. The client
terminal 1 can
install the corresponding software on the above mobile terminal or computer
device so as
to communicate with the interbank payment server 2. If it's a mobile terminal,
it can be
connected to the nearby base station through the wireless network, and then
connected to
the interbank payment server 2 through the base station. If it is a fixed
computer device, it
can connect to the interbank payment server 2 through the Internet. The card
issuing
terminal 3 is installed in a bank backstage server and connected with an
interbank payment
server 2 through a specific network to read the account fund data. However,
there is no
financial flow between the interbank payment server 2 and the card issuing
terminal.
[52] Each of the plurality of client terminals 1 binds the plurality of
card issuing terminals 3
according to a plurality of bank card numbers in the interbank payment server,
where the
client terminal 1 does not limit the binding bank card number, it can also
bind personal
information to interbank payment server, the user through the interbank
payment server
access to its multiple bank account information in multiple banks, interbank
payment
server through the operation of multiple personal account information to
achieve interbank
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payment. The user inputs the bank card information of a plurality of different
issuing cards
on the client terminal 1, binds the bank card information and the user
identity information,
and binds the bank that is bound with the user identity card information to
the interbank
payment server 2, and may also be bound to the card issuing terminal 3 by
using an ID card
verification or other means; and the interbank payment server 2 acquires the
card issuing
information from the plurality of card issuing terminals 3 according to the
bank card
information. For example, after logging in to cross-bank receipt and interbank
payment
server 2, enter the construction bank card number and login password, the
merchant bank
card number and login password, and the Industrial and Commercial Bank of
China
("ICBC") number and login password in the following table:
[53] [Table 1]
Identity Bank card
Account holder Issuer Login password
Information number
Construction
Zhang San Zhang San XXXX ******
Bank ("CCB")
China
Zhang San Zhang San Merchants VOCX ******
Bank ("CMB")
Zhang San Li Si ICBC XXXX ******
[54] Thus, the client terminal 1 used by Zhang San binds the card issuing
terminals 3 including
the Construction Bank, China Merchants Bank and Industrial and Commercial Bank
of
China, wherein the identity information refers to the identity information of
the user who
logs in to the interline payment server 2 through the client terminal 1,
through which the
user can input the bank card number and password of different banks and
different account
holders in the interbank payment server 2 and bind the inputted bank card
information and
identity information, then the user "Zhang San" this user can operate multiple
bank cards.
For example, Zhang San tied his own bank card in his own account, and also
bound Li Si's
bank card. After Zhang San entered his account in the interbank payment
server, it can not
only operate the bound bank card's own account funds, but also operate the
bound bank of
Li's account funds.
[55] As shown in Figure 2, the present invention provides an interbank
payment system,
including an interbank payment server, a client terminal communicatively
connected to the
interbank payment server, and a plurality of card issuing terminals
communicatively
connected to the interbank payment server, the client terminals including at
least one
payment client and at least one receiving client; the payment client is used
to issue a
payment information to the receiving client through the interbank payment
server, and
select one of the multiple card issuing terminals as one of the payment
account information
of the payment account; the receiving client is used to respond to the payment
request
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information and return the payment confirmation information including one of
the plurality
of card issuing terminals to the payment account information of the payment
account
through the interbank payment server; and the interbank payment server
comprises a
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payment module, the payment module is used to: the receiving account
information and the
payment account information, and generates a payment command to the card
issuing
terminal corresponding to the payment account selected by the payment client;
the card
issuing terminal is used to receive the payment instruction and to pay the
amount
corresponding to the payment amount information to the collection account
according to
the payment instruction.
[56] Figure 3 is a flow chart of a method for an inter-bank payment and
receipt method
according to a second example of the present invention. As shown in Figure 3,
the method
uses an inter-bank payment and receipt system as shown in Figure 2, the
example is
different from the first example in the process of subdividing the payment
request
information and collecting the acknowledgement information. The method
specifically
includes the following steps:
[57] S200. Each client terminal 1 of the multiple client terminals 1 binds
the multiple card
issuing terminals 3 according to a plurality of bank card numbers in the
interbank payment
server 2.
[58] S201: the payment Client 11 of the plurality of client terminals 1
delivers payment request
information to the receiving client 12 through the interbank payment server 2;
[59] S202, the payment Client 12 responds to the payment request
information and returns
payment receipt confirmation information to the payment Client II through the
interbank
payment server 2;
[60] S203: After receiving the payment confirmation information, the
payment Client 11 forms
payment amount information corresponding to the payment amount, and delivers
the
payment amount information to the payment receiving client 12 via the
interbank payment
server 2;
[61] S204: After confirming the amount information, the payment Client 12
selects one of the
plurality of the card issuing terminals 3 bound by itself as the payment
account, and the
receivable account is composed of the receivable account information and the
receivable
account information is delivered to the payment client I I through the
interbank payment
server 2;
[62] S205. After receiving the payment account information, the payment
Client 11 selects one
of the pluralities of the card issuing terminals 3 bound by itself as a
payment account, and
forms the payment account into payment account information and delivers the
payment
account information and the receiving account information to the interbank
payment server
2. As shown in Figure 3, Figure 4 is a flowchart of the information flow
between the client
terminals according to the second example of the present invention. The flow
of
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information between the client terminals 1 in steps S200 to S205 is more
clearly displayed.
[63] S206. The interbank payment server 2 delivers a payment order to the
card issuing terminal
3 corresponding to the payment account information according to the payment
account
information and the payment account information.
[64] S207: After receiving the payment instruction, the card issuing
terminal 33 delivers the
payment amount corresponding to the amount information to the card issuing
terminal 33
corresponding to the payment account according to the payment instruction.
[65] The beneficial effect of this example is that after the user enters
the banking system to bind
the account with the interbank receiver at the initial setting, any subsequent
operations
need only enter the interbank receiver and select an individual account, bank
account with
the account for the implementation of the operation to achieve the operation
of all the
banking data within the same tool without having to visit each specific
banking system to
operate one by one.
[66] Figure 5 is a flow chart of a method for inter-bank payment and
receipt according to a third
example of the present invention. As shown in Figure 5, this example is
different from the
second example in that the interbank payment and receipt server 2 further
stores the
payment request information and the payment confirmation information so as to
facilitate
the client terminal to query the corresponding information. Specifically, the
method
includes the following steps:
[67] S300: Each client terminal in the multiple client terminals 1 binds
the multiple card issuing
terminals 3 according to multiple bank card numbers in the interbank payment
server 2.
[68] S301: the payment Client 11 in the multiple client terminals 1
delivers payment request
information to the payment receiving Client 12 through the interbank payment
server 2. In
step SI, the interbank payment server 2 stores the payment request
information.
[69] S302, the payment Client 12 responds to the payment request
information and returns
payment confirmation information to the payment Client 11 via the interbank
payment
server 2. The interbank payment server 2 stores the payment request
information receipt
confirmation information.
[70] S303: After receiving the payment confirmation information, the
payment Client 11 forms
payment amount information corresponding to the payment amount, and delivers
the
payment amount information to the payment receiving client 12 via the
interbank payment
server 2; the interbank payment server 2 stores the amount information.
[71] S304: After confirming the amount information, the payment Client 12
selects one of the
plurality of the card issuing terminals 3 bound by itself as the payment
account, and the
receivable account is composed of the receivable account information and the
receivable
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account information is delivered to the payment client 11 through the
interbank payment
server 2; the interbank payment server 2 stores the payment account
information.
[72] S305. After receiving the payment account information, the payment
Client 11 selects one
of the plurality of the card issuing terminals 3 bundled with itself as a
payment account,
and forms the payment account into payment account information and delivers
the payment
account information and payment account information to the inter-payment
receiving
server 2; and the interbank payment server 2 stores the payment account
information. The
interbank payment server 2 further includes a storage unit, where the storage
unit is used to
store the payment request information, the payment confirmation information,
the amount
information, the payment account information, and the payment account
information.
[73] S306. The interbank payment server 2 delivers a payment order to the
card issuing terminal
3 corresponding to the payment account information according to the payment
account
information and the payment account information.
[74] S307: After receiving the payment instruction, the card issuing
terminal 3 delivers the
payment amount corresponding to the amount information to the card issuing
terminal 3
corresponding to the payment account according to the payment instruction.
[75] S308: the payment Client 11 in the multiple client terminals delivers
a query request to the
interbank payment server 2.
[76] S309: the inter-payment server 2 responds to the inquiry request to
query the stored
payment request information, the payment confirmation information, the amount
information, the payment account information, the payment account information,
and
returns the query result to the client terminal that delivered the query
request. By setting a
query unit in the interbank payment server 2, the query unit is used to
respond to the query
request to inquire the payment request information, the receipt confirmation
information,
the amount information stored in the storage unit. The payment account
information, the
payment account information, and returns a query result to the client terminal
that
delivered the query request.
[77] The beneficial effect of this example is that interbank payment
collectors can perform
payment collection and payment inquiry for different amounts within the same
tool by
storing the process information of inter-bank receipt and payment.
[78] Figure 6 is a flowchart of information flow between client terminals
according to a fourth
example of the present invention. As shown in Figure 6, this example is
different from the
second example in that an instant online session can be established during
interbank
payment to improve the security of the transaction. Specifically, the process
includes the
following steps:
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[79] S400: Each of a plurality of client terminals is bound to the
plurality of card issuing
terminals 3 according to a plurality of bank card numbers in the interbank
payment server
2; meanwhile, the payment Client 12 also issues various types of service
information to the
payment client 11 through the interbank payment server 2. For example,
business
information includes instalments, payments once, and more.
[80] S401: the payment Client 11 in the multiple client terminals delivers
the payment request
information to the payment receiving Client 12 through the interbank payment
server 2.
The payment Client 11 further delivers the payment request information from
the multiple
types of service information. And delivers payment request information to the
receiving
client 12 through the interbank receiving and paying server 2 according to the
one of the
service information. For example, if the user chooses to pay in instalments,
the payment
amount may be paid in instalments to the payment account.
[81] S402, the payment Client 12 responds to the payment request
information and returns
payment receipt confirmation information to the payment Client 11 through the
interbank
payment server 2.
[82] S403: After receiving the payment confirmation information, the
payment Client 11 forms
payment amount information corresponding to the payment amount, and delivers
the
payment amount information to the payment receiving client 12 via the
interbank payment
server 2.
[83] S404: After confirming the amount information, the payment Client 12
selects one of the
pluralities of the card issuing terminals 3 bound by itself as the payment
account, and the
receivable account is composed of the receivable account information and the
receivable
account information is delivered to the payment client 11 through the
interbank payment
server 2.
[84] S405: After receiving the payment account information, the payment
Client 11 selects one
of the pluralities of the card issuing terminals 3 bundled with itself as a
payment account,
and forms the payment account into payment account information and delivers
the payment
account information and payment account information and the interbank payment
server 2.
[85] The advantage of this example is that it enriches the payment types
between client
terminals and makes it easier for client terminals to conduct private
transactions.
[86] Figure 7 is a flowchart of information flow between client terminals
according to a fifth
example of the present invention. As shown in Figure 7, this example is
different from the
second example in that an instant online session function is added. The
process includes the
following steps:
[87] S500: Each client terminal of the multiple client terminals binds the
multiple card issuing
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terminals 3 according to a plurality of bank card numbers in the interbank
payment server
2.
[88] S501, the payment Client 11 further establishes an instant online
session with the payment
Client 12 through the interbank payment server 2, and after the online session
is completed,
the online payment server 2 delivers the payment Client 12 issues payment
request
information. For example, the two client terminals of the transaction can
follow up the
business through the instant online conversation, generate the payment
collection operation
through the online contact, and start to make the payment request after the
online
conversation is reached.
[89] S502, the payment Client 12 responds to the payment request
information and returns
payment confirmation information to the payment Client 11 via the interbank
payment
server 2.
[90] S503: After receiving the payment confirmation information, the
payment Client 11 forms
payment amount information corresponding to the payment amount, and delivers
the
payment amount information to the payment receiving client 12 via the
interbank payment
server 2.
[91] S504: After confirming the amount information, the payment Client 12
selects one of the
pluralities of the card issuing terminals 3 bound by itself as the payment
account, and the
receivable account is composed of the receivable account information and the
receivable
account information is delivered to the payment client 11 through the
interbank payment
server 2.
[92] S505: After receiving the payment account information, the payment
Client 11 selects one
of the pluralities of the card issuing terminals 3 bundled with itself as a
payment account,
and forms the payment account into payment account information and delivers
the payment
account information and payment account information and the interbank payment
server 2.
[93] The beneficial effect of implementing this example is that by
establishing an instant online
conversation for business connection, the two parties start the payment
collection operation
after confirming the payment and collection business, thus improving the
security of the
payment collection operation.
[94] The examples of the present invention are described above with
reference to the
accompanying drawings. However, the present invention is not limited to the
above
specific examples. The foregoing specific examples are merely illustrative and
not intended
to limit the present invention, many modifications and variations can be made
by those
skilled in the art without departing from the spirit and scope of the
invention as disclosed in
the accompanying drawings, all of which fall within the protection scope of
the invention.
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