CA2993455C

CA2993455C - Interbank payment system and interbank payment method

Info

Publication number: CA2993455C
Application number: CA2993455A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2014-08-06
Filing date: 2014-08-06
Publication date: 2023-01-31
Anticipated expiration: 2034-08-06
Also published as: CN105431871A; WO2016019531A1; CA2993455A1

Abstract

Disclosed are an interbank payment system and an interbank payment method, the method comprising: S1, a paying client issues paying request information to a receiving client; S2, the receiving client returns receiving confirmation information to the paying client; S3, an interbank payment server generates a paying command to send to a corresponding issuing terminal; S4, the issuing terminal pays a sum from a paying account to a receiving account. The beneficial effects of the present invention are that all banking data is manipulated within a same tool and interbank payment operations are completed without it being necessary to log in to corresponding bank systems for individual operations.

Description

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 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 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;

[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;

[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 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 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 7a = CA 02993455 2018-01-24 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 =

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 = CA 02993455 2018-01-24 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:

[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 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.

Claims

Claims:

1. An interbank payment system for managing an online interbank payment transaction between a payer and a recipient, the interbank payment system comprising:
an interbank payment server;
a plurality of card issuing terminals; and a plurality of client terminals;
wherein the plurality of client terminals includes:
at least one payment client terminal; and at least one receiving client terminal;
wherein the at least one payment client terminal is configured to issue, through the interbank payment server, a payment request to the at least one receiving client terminal, the payment request comprising payment request information including a payment amount and payment account information of a payment account bound to the payer in the interbank payment server, the payment account information including one of the plurality of card issuing terminals bound to the payer in the interbank payment server;
wherein the interbank payment server is configured to establish an instant online session between the at least one payment client terminal and the at least one receiving client terminal and send the payment request from the payment client terminal to the receiving client terminal via the instant online session;
wherein the at least one receiving client terminal is configured to respond to the payment request by returning, through the interbank payment server, a receipt confirmation to the payment client terminal, the receipt confirmation comprising receipt coml..' Date Recue/Date Received 2022-07-20 information which includes receiving account information of a receiving account bound to the recipient in the interbank payment server, the receiving account information including one of the plurality of card issuing terminals bound to the recipient in the interbank payment server, the receipt confirmation for use in generating a payment command for effecting a payment from the payment account to the receiving account when received by the interbank payment server;
wherein the interbank payment server includes a payment module configured to generate the payment command according to the payment account information and the receiving account information and deliver the payment command to the card issuing terminal corresponding to the payment account information selected at the payment client; and wherein the card issuing terminal corresponding to the payment account information is configured to receive the payment command from the interbank payment server and pay an amount corresponding to the payment amount from the payment account to the receiving account according to the payment command.

2. The system of claim 1, wherein each client terminal is communicatively connected to the interbank payment server.

3. The system of claim 1, wherein the plurality of card issuing terminals are communicatively connected to the interbank payment server.

4. The system of any one of claims 1 to 3, wherein the client terminal is further configured to log in the interbank payment server to bind a user's identity information to the corresponding card issuing terminal.

5. The system of any one of claims 1 to 4, wherein the payment client terminal is further configured to publish a plurality of service information to the payment client through the interbank payment server.

Date Recue/Date Received 2022-07-20

6. The system of any one of claims 1 to 5, wherein the receiving client terminal is further configured to select at least one piece of service information from the plurality of service information and deliver the payment request information to the receiving client terminal via the interbank payment server according to the selected service information.

7. The system of claim 6, wherein the plurality of service information contains payment installment information.

8. The system of any one of claims 1 to 6, wherein the interbank payment server further includes a storage module and a query module.

9. The system of claim 8, wherein the storage module is configured to store the payment request information and receipt confirmation information.

10. The system of claim 8, wherein the query module is configured to, in response to a querying request, query the payment request information and the receipt confirmation information and return a querying result to the client terminal that delivered the querying request.

11. The system of claim 10, wherein the client terminal is further configured to deliver the querying request to the interbank payment server.

12. The system of any one of claims 1 to 11, wherein the interbank payment server further includes an online conversation module.

13. The system of claim 12, wherein the online conversation is configured to establish an instant online communication between the at least one payment client terminal and the at least one receiving client terminal.

14. The system of any one of claims 1 to 13, wherein the payment account is a bank account.

15. The system of claim 14, wherein the bank account is associated with an account balance.

16. The system of any one of claims 1 to 13, wherein the payment account is a credit account.

Date Recue/Date Received 2022-07-20

17. The system of claim 16, wherein the credit account is associated with a credit limit.

18. The system of any one of claims 1 to 13, wherein the payment account is a debit account.

19. The system according to claim 18, wherein the debit account is associated with an account balance.

20. The system of any one of claims 1 to 19, wherein the receiving account is a bank account.

21. The system of claim 20, wherein the bank account is associated with an account balance.

22. The system of any one of claims 1 to 19, wherein the receiving account is a credit account.

23. The system of claim 22, wherein the credit account is associated with a credit limit.

24. The system of any one of claims 1 to 19, wherein the receiving account is a debit account.

25. The system of claim 24, wherein the debit account is associated with an account balance.

26. The system of any one of claims 1 to 25, wherein the plurality of card issuing terminals are each associated with a plurality of issuing banks.

27. The system of any one of claims 1 to 26, wherein the client terminal is a mobile terminal.

28. The system of claim 27, wherein the mobile terminal is operatively connected to a base station through a wireless network.

29. The system of claim 28, wherein the base station is connected to the interbank payment server whereby the mobile terminal is connected to the interbank payment server through the base station.

Date Recue/Date Received 2022-07-20

30. The system of any one of claims 1 to 29, wherein the client terminal is a notebook computer.

31. The system of any one of claims 1 to 29, wherein the client terminal is a desktop computer.

32. The system of claim 31, wherein the desktop computer connects to the interbank payment server through the intemet.

33. The system of any one of claims 1 to 32, wherein the plurality of card issuing terminals are installed in a backstage bank server.

34. The system of claim 33, wherein the plurality of card issuing terminals are operatively connected to the interbank payment server through the intemet to read account fund data stored on the payment account and the receiving account.

35. The system of claim 34, wherein a financial flow between the interbank payment server and the card issuing terminal does not occur.

36. The system of any one of claims 1 to 35, wherein each client terminal binds the plurality of card issuing terminals in accordance with a plurality of bank card numbers stored in the interbank payment server.

37. The system of claim 36, wherein each client terminal further binds personal information to interbank payment server, for a user to access multiple bank account information in multiple banks through the interbank payment server.

38. An interbank payment method for managing an online interbank payment transaction between a payer and a recipient, the method comprising:
sending a payment request from at least one payment client terminal to at least one receiving client terminal through an interbank payment server, the payment request Date Recue/Date Received 2022-07-20 including a payment amount and specifying a first card issuing terminal bound to the payer in the interbank payment server, wherein the payment request corresponds to a payment account bound to the payer in the interbank payment server, and wherein the at least one payment client terminal and the at least one receiving client terminal each reside within a respective client terminal, and wherein sending the payment request includes:
establishing an instant online session between the payment client terminal and the receiving client terminal via the interbank payment server; and sending the payment request from the payment client terminal to the receiving client terminal via the instant online session;
sending a response to the payment request from the receiving client terminal returning a receipt comprising receipt confirmation information including an information on a second card issuing terminal corresponding to a receiving account through the interbank payment server, the receipt confirmation information for use in generating a payment command for effecting a payment from the payment account to the receiving account when received by the interbank payment server;
generating the payment command by a payment module within the interbank payment server wherein the payment command is based on a first information from the payment account and a second information from the receiving account, and delivering the payment command to the first card issuing terminal; and receiving the payment command at the first card issuing terminal and paying an amount equal to the payment amount from the payment account to the receiving account according to the payment command.

39. The method of claim 38, further comprising:

Date Recue/Date Received 2022-07-20 logging into the interbank payment server through the payment/receiving client terminal to bind a user information to a corresponding card issuing terminal.

40. The method of claim 38, wherein the interbank payment server stores the payment request information when sending the payment request from the at least one payment client terminal to the at least one receiving client terminal.

41. The method of claim 38, wherein the interbank payment server stores the receipt confirmation information when sending the response to the payment request from the receiving client terminal.

42. The method of claim 38, wherein upon receiving the payment command at the first card issuing terminal and paying an amount equal to the payment amount from the payment account to the receiving account according to the payment command, the method further comprises:
delivering a query request from the payment/receiving client terminal to the interbank payment server; and responding to the query request by identifying the payment request and the receipt confirmation information in the interbank payment server and returning a query result to the client terminal that is responsive to the query request.

43. The method of claim 38 or 39 further comprising:
sending a plurality of service information from the receiving client terminal to the payment client terminal through the interbank payment server; and selecting at least one piece of service information from the plurality of service information and sending the payment request to the receiving client terminal through the interbank payment server according to the at least one piece of service information.

Date Recue/Date Received 2022-07-20

44. The method of claim 38, wherein each payment/receiving client terminal is communicatively connected to the interbank payment server.

45. The method of claim 38, wherein the plurality of card issuing terminals are communicatively connected to the interbank payment server.

46. The method of any one of claims 38 to 45, wherein the client terminal is further configured to log in the interbank payment server to bind a user's identity information to the corresponding issuance card terminal.

47. The method of claim 43, wherein the payment client terminal is further configured to publish the plurality of service information to the payment client through the interbank payment server.

48. The method of claim 47, wherein the receiving client terminal is further configured to select at least one piece of service information from the plurality of service information and deliver the payment request message to the receiving client via the interbank payment server according to the selected at least one piece of service information.

49. The method of claim 48, wherein the plurality of service information contains payment installment information.

50. The method of any one of claims 38 to 49, wherein the interbank payment server further includes a storage module and a query module.

51. The method of claim 50, wherein the storage module is configured to store the payment request information and receipt confirmation information.

52. The method of claim 51, wherein the query module is configured to, in response to a querying request, query the stored payment request information and receipt confirmation information and return a querying result to the client terminal that delivered the querying request.

53. The method of claim 52, wherein the client terminal is further configured to deliver the querying request to the interbank payment server.

Date Recue/Date Received 2022-07-20

54. The method of any one of claims 38 to 53, wherein the interbank payment server further includes an online conversation module.

55. The method of claim 54, wherein the online conversation is configured to establish an instant online communication between the at least one payment client terminal and the at least one receiving client terminal.

56. The method of any one of claims 38 to 55, wherein the payment account is a bank account.

57. The method of claim 56, wherein the bank account is associated with an account balance.

58. The method of any one of claims 38 to 55, wherein the payment account is a credit account.

59. The method of claim 58, wherein the credit account is associated with a credit limit.

60. The method of any one of claims 38 to 55, wherein the payment account is a debit account.

61. The method according to claim 60, wherein the debit account is associated with an account balance.

62. The method of any one of claims 38 to 61, wherein the receiving account is a bank account.

63. The method of claim 62, wherein the bank account is associated with an account balance.

64. The method of any one of claims 38 to 61, wherein the receiving account is a credit account.

65. The method of claim 64, wherein the credit account is associated with a credit limit.

66. The method of any one of claims 38 to 61, wherein the receiving account is a debit account.

Date Recue/Date Received 2022-07-20

67. The method of claim 66, wherein the debit account is associated with an account balance.

68. The method of any one of claims 38 to 67, wherein the first and second card issuing terminals are associated with a first issuing bank and a second issuing bank, respectively.

69. The method of any one of claims 38 to 68, wherein the payment/receiving client terminal is a mobile terminal.

70. The method of claim 69, wherein the mobile terminal is operatively connected to a base station through a wireless network.

71. The method of claim 70, wherein the base station is connected to the interbank payment server whereby the mobile terminal is connected to the interbank payment server through the base station.

72. The method of any one of claims 38 to 71, wherein the payment/receiving client terminal is a notebook computer.

73. The method of any one of claims 38 to 72, wherein the payment/receiving client terminal is a desktop computer.

74. The method of claim 73, wherein the desktop computer connects to the interbank payment server through the intemet.

75. The method of any one of claims 38 to 74, wherein each of the first and second card issuing terminals is installed in a backstage bank server.

76. The method of claim 75, wherein the plurality of card issuing terminals are operatively connected to the interbank payment server through the intemet to read account fund data stored on the payment account and the receiving account.

Date Recue/Date Received 2022-07-20

77. The method of any one of claims 38 to 76, wherein each of the payment client terminal and the receiving client terminal binds the plurality of card issuing terminals in accordance with a plurality of bank card numbers stored in the interbank payment server.

78. The method of claim 77, wherein the payment/receiving client terminal binds personal information to interbank payment server, it enables a user through the interbank payment server to access to its multiple bank account information in multiple banks.

79. A computer implemented client terminal system for use in an interbank payment system for managing an online interbank payment transaction between a payer and a recipient, the client terminal comprising:
a payment client terminal configured to:
issue, through an interbank payment server, a payment request including payment amount information associated with a payment account and one of a plurality of card issuing terminals as payment request information of the payment account to a payment receiving client terminal, wherein each of the payment account and the one of a plurality of card issuing terminals is bound to the payer in the interbank payment server, wherein the payment request is issued via an instant online session established by the interbank payment server between the payment client terminal and the payment receiving client terminal;
a receiving client terminal configured to:
respond to the payment request; and return a receipt comprising receipt confirmation information including one of the plurality of card issuing terminals as receiving account information of a receiving account to the payment client terminal through the interbank payment server, wherein each of the receiving account and the one of the plurality of card issuing teiininals is bound to the recipient in the interbank Date Recue/Date Received 2022-07-20 payment server, the receipt confirmation information for use in generating a payment command for effecting a payment from the payment account to the receiving account when received by the interbank payment server.

80. The system of claim 79, wherein the receiving client terminal and the payment client terminal are communicatively connected to the interbank payment server.

81. The system of any one of claims 79 to 80, wherein the payment client terminal and the receiving client terminal are further configured to log into the interbank payment server to bind a user's identity information to the card issuing terminal corresponding to the user's identity informati on.

82. The system of any one of claims 79 to 81, wherein the payment client terminal is further configured to publish multiple types of service information to the payment receiving client through the interbank payment server.

83. The system of claim 82, wherein the payment client terminal is further configured to select at least one piece of service information from the multiple types of service information and delivers the payment request message to the receiving client via the interbank payment server according to the selected service information.

84. The system of claim 83, wherein the plurality of service information contains payment installment information.

85. The system of any one of claims 79 to 84, wherein the interbank payment server further includes a storage module and a query module.

86. The system of claim 85, wherein the storage module is configured to store the payment request information and receipt confirmation information.

87. The system of claim 86, wherein the query module is configured to, in response to a querying request from a requesting terminal, the requesting terminal being the payment client terminal or the receiving client terminal, query the stored payment request information and the receipt Date Recue/Date Received 2022-07-20 confirmation information and retum a querying result to the requesting client terminal that delivered the querying request.

88. The system of claim 87, wherein the requesting client terminal is further configured to deliver the querying request to the interbank payment server.

89. The system of any one of claims 79 to 88, wherein the interbank payment server further includes an online conversation module.

90. The system of claim 89, wherein the online conversation is configured to establish an instant online communication between the payment client terminal and the receiving client terminal.

91. The system of any one of claims 79 to 90, wherein the payment account is a bank account.

92. The system of claim 91, wherein the bank account is associated with an account balance.

93. The system of any one of claims 79 to 90, wherein the payment account is a credit account.

94. The system of claim 93, wherein the credit account is associated with a credit limit.

95. The system of any one of claims 79 to 90, wherein the payment account is a debit account.

96. The system of claim 95, wherein the debit account is associated with an account balance.

97. The system of any one of claims 79 to 95, wherein the plurality of card issuing terminals are each associated with a plurality of different issuing banks.

98. The system of any one of claims 79 to 96, wherein at least one of the payment client terminal and the receiving client terminal is a mobile terminal.

99. The system of claim 98, wherein the mobile terminal is operatively connected to a base station through a wireless network.

Date Recue/Date Received 2022-07-20

100. The system of claim 99, wherein the base station is connected to the interbank payment server whereby the mobile terminal is connected to the interbank payment server through the base station.

101. The system of any one of claims 79 to 99, wherein at least one of the payment client terminal and the receiving client terminal is a notebook computer.

102. The system of any one of claims 79 to 101, wherein at least one of the payment client terminal and the receiving client terminal is a desktop computer.

103. The system of claim 102, wherein the desktop computer connects to the interbank payment server through the intemet.

104. The system of any one of claims 79 to 103, wherein the plurality of card issuing terminals are installed in a backstage bank server.

105. The system of claim 104, wherein the plurality of card issuing terminals are operatively connected to the interbank payment server through the internet to read account fund data stored on the payment account and the receiving account.

106. The system of any one of claims 79 to 105, wherein each of the payment and receiving client terminals bind the plurality of card issuing terminals in accordance with a plurality of bank card numbers stored in the interbank payment server.

107. The system of claim 106, wherein at least one of the payment client terminal and the receiving client terminal binds personal information to interbank payment server, it enables a user through the interbank payment server to access to its multiple bank account information in multiple banks.

Date Recue/Date Received 2022-07-20

108. An interbank payment server for use in an interbank payment system for managing an online interbank payment transaction between a payer and a recipient, the interbank payment server comprising:
a memory for storing data;
a computer processor;
wherein the computer processor is configured to:
receive, from a receiving client terminal, a receipt confirmation responding to a payment request from a payment client terminal, the receipt confirmation comprising receipt confirmation information which includes receiving account information of a receiving account bound to the recipient in the interbank payment server, the receiving account information specifying one of a plurality of card issuing terminals bound to the recipient in the interbank payment server, the receipt confirmation for use in generating a payment command for effecting a payment from a payment account bound to the payer in in the interbank payment server and specified in the payment request to the receiving account when received by the interbank payment server;
execute a payment module configured to generate a payment command based on a first information from a payment account and a second information from a receiving account;
and transmit the payment command to a card issuing terminal communicatively connected to the interbank payment server; and wherein the computer processor is configured to establish an instant online session between the payment client terminal and the receiving client terminal for sending the payment request from the payment client terminal to the receiving client terminal.

109. The server of claim 108, wherein the interbank payment server is communicatively connected to a plurality of card issuing terminals.

Date Recue/Date Received 2022-07-20

110. The server of any one of claims 108 to 109, wherein the interbank payment server is communicatively connected to a plurality of client terminals including the at least one payment client terminal and the at least one receiving client terminal.

111. The server of claim 108, wherein each client terminal is communicatively connected to the interbank payment server.

112. The server of any one of claims 108 to 111, wherein each client terminal is further configured to log in the interbank payment server to bind a user's identity information to the card issuing terminal corresponding to the user's identity information.

113. The server of any one of claims 108 to 112, wherein the payment client terminal is also configured to publish multiple types of service information to the payment client through the interbank payment server.

114. The server of any one of claims 108 to 113, wherein the receiving client terminal is also configured to select at least one piece of service information from a plurality of service information and delivers the payment request message to the receiving client via the interbank payment server according to the selected service information.

115. The server of claim 114, wherein the plurality of service information contains payment installment information.

116. The server of any one of claims 108 to 115, wherein the interbank payment server further includes a storage module and a query module.

117. The server of claim 116, wherein the storage module is configured to store the payment request information and receipt confirmation information.

Date Recue/Date Received 2022-07-20

118. The server of claim 117, wherein the query module is configured to, in response to a querying request, query the stored payment request information and the receipt confirmation information and return a querying result to the client terminal that delivered the querying request.

119. The server of any one of claim 118, wherein the client terminal is further configured to deliver the querying request to the interbank payment server.

120. The server of any one of claims 108 to 119, wherein the interbank payment server further includes an online conversation module.

121. The server of claim 120, wherein the online conversation module is configured to establish an instant online communication between the at least one payment client terminal and the at least one receiving client terminal.

122. The server of any one of claims 108 to 121, wherein the payment account is a bank account.

123. The server of claim 122, wherein the bank account is associated with an account balance.

124. The server of any one of claims 108 to 121, wherein the payment account is a credit account.

125. The server of claim 124, wherein the credit account is associated with a credit limit.

126. The server of any one of claims 108 to 121, wherein the payment account is a debit account.

127. The server of claim 126, wherein the debit account is associated with an account balance.

128. The server of any one of claims 108 to 127, wherein the receiving account is a bank account.

129. The server of claim 128, wherein the bank account is associated with an account balance.

130. The server of any one of claims 108 to 127, wherein the receiving account is a credit account.

Date Recue/Date Received 2022-07-20

131. The server of claim 130, wherein the credit account is associated with a credit limit.

132. The server of any one of claims 108 to 127, wherein the receiving account is a debit account.

133. The server of claim 132, wherein the debit account is associated with an account balance.

134. The server of any one of claims 124 to 133, wherein the client terminal is a mobile terminal.

135. The server of claim 134, wherein the mobile terminal is operatively connected to a base station through a wireless network.

136. The server of claim 135, wherein the base station is connected to the interbank payment server whereby the mobile terminal is connected to the interbank payment server through the base station.

137. The server of any one of claims 124 to 136, wherein the client terminal is a notebook computer.

138. The server of any one of claims 124 to 137, wherein the client terminal is a desktop computer.

139. The server of claim 138, wherein the desktop computer connects to the interbank payment server through the intemet.

140. The server of claim 109, wherein the plurality of card issuing terminals are installed in a backstage bank server.

141. The server of claim 140, wherein the plurality of card issuing terminals are operatively connected to the interbank payment server through the internet to read account fund data stored on the payment account and the receiving account.

Date Recue/Date Received 2022-07-20

142. The server of any one of claims 108 to 141, wherein the client terminal binds personal information to interbank payment server, it enables a user through the interbank payment server to access to its multiple bank account information in multiple banks.

Date Recue/Date Received 2022-07-20