CN103927647A - P2P network mutual assistance money depositing and withdrawing method based on third party payment platform - Google Patents
P2P network mutual assistance money depositing and withdrawing method based on third party payment platform Download PDFInfo
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- CN103927647A CN103927647A CN201410159728.9A CN201410159728A CN103927647A CN 103927647 A CN103927647 A CN 103927647A CN 201410159728 A CN201410159728 A CN 201410159728A CN 103927647 A CN103927647 A CN 103927647A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention belongs to the technical field of money depositing methods, and particularly relates to a P2P network mutual assistance money depositing and withdrawing method based on a third party payment platform. The method includes the following operating steps that firstly, account information is confirmed; secondly, a money depositing and withdrawing process is selected. According to the P2P network mutual assistance money depositing and withdrawing method based on the third party payment platform, a mutual assistance money depositing and withdrawing device is erected by clients themselves, so that the problem that bank self-service money depositing and withdrawing devices in some regions are small in number can be solved, meanwhile, installation cost is low, the mutual assistance money depositing and withdrawing device is maintained by the clients themselves and depends on a mature system of the third party payment platform the technical aspect, a private band line is not needed, the mutual assistance money depositing and withdrawing device can be used only by the adoption of a common network, safety is high, and the method is suitable for rapidly expanding community banks and giving out various agricultural subsidies in wide farmer union regions.
Description
Technical field
The invention belongs to deposit method and technology field, be specifically related to a kind of P2P network mutual based on third party's payment platform method of depositing and withdrawing.
Background technology
Along with the development with rapid changepl. never-ending changes and improvements of internet science and technology, scientific and technological and financial combination is deepened increasingly, internet finance is to the tremendous influence of traditional financial mode producing, traditional bank is drawn close to internet on the one hand, on the other hand, the third party's payment platform indicating as internet finance is also in positive development bank's business.
Traditional bank self-help implantation of device expense of depositing and withdrawing is high, need configuration special messenger to safeguard and add paper money, need set up bank's dedicated line, and deposit must be undertaken by bank, local or the fewer place of the method for depositing and withdrawing that there is no depositing and drawing in bank method at some, withdraws the money very inconvenient.
Summary of the invention
The object of the invention is to overcome the not enough problem of the existing method of depositing and withdrawing.
For this reason, the invention provides the novel equipment of depositing and withdrawing of helping each other of a kind of internet means, there is a kind of behavior of helping each other of carrying out between client and client to complete transaction, in both parties, a side plays the part of the role of traditional bank, by third party's payment platform, for the opposing party provides the access cash service of small amount.As client needs enchashment, by the described in the invention equipment of depositing and withdrawing of helping each other, own fund in third party's payment platform account is proceeded in the proprietary third party's payment platform of the method for depositing and withdrawing of helping each other described in the invention account by third party's payment platform, the third party described in the invention method of depositing and withdrawing of helping each other is subject to shortly fund and keeps accounts after information, by entering paper money supplying module, will pay in cash to enchashment client.The client that deposits cash deposits cash to the described in the invention access arrangement of helping each other by entering paper money supplying module, the access arrangement of helping each other confirm to receive existing after, by deposit cash client's designated amounts with help each other the equipment of depositing and withdrawing everyone exist the account transfer of third party's payment platform to third party's payment platform account of the client that deposits cash.
The above-mentioned P2P network mutual based on the third party's payment platform method of depositing and withdrawing, is characterized in that: comprise following operation steps:
(1) accounts information is confirmed;
(2) select to deposit and withdraw flow process.
Above-mentioned accounts information is confirmed, is comprised the steps:
Step 1, client inputs accounts information;
Step 2, I.D. read module, reading identity card information, and send processor to;
Step 3, processor extracts ID (identity number) card information and is uploaded to third party's payment platform;
Step 4, third party's payment platform feedback corresponding account information;
Step 5, client selects input password by keyboard;
Step 6, third party's payment platform carries out password contrast, as password mistake, returns to step 5 and continues input password, as Password Input correctly carries out next step.
The above-mentioned P2P network mutual based on the third party's payment platform method of depositing and withdrawing, is characterized in that: the described selection flow process of depositing and withdrawing, comprises deposit flow process and the flow process of withdrawing the money; Described deposit flow process comprises the steps:
A, complete accounts information described in claim 2 and confirm step;
B, client put into cash by entering paper money supplying module, and confirm to finish to put paper money;
C, processor are controlled paper money supplying module and are carried out cash confirmation, and show by display the paper money information of putting;
D, client carry out amount deposited confirmation;
E, processor are uploaded to third party's payment platform by deposit information;
F, third party's payment platform are sent to account described in the method for depositing and withdrawing of helping each other by information, and carry out funds transfer, transfer successfully afterwards result feedback to processor;
G, processor are controlled display and are shown information, and control Method of printing module and print transaction receipt to the client that deposits cash;
Described enchashment flow process comprises the steps:
A1, complete accounts information described in claim 2 and confirm step;
B1, client input the enchashment amount of money;
C1, processor are sent to third party's payment platform by enchashment information;
D1, third party's payment platform send identifying code note to enchashment client mobile phone;
E1, enchashment client input validation code;
F1, processor judge whether identifying code is inputted correctly, returns to e1 as incorrect, as correctly transferred fund to enchashment customer account, after transferring successfully, send funds transfer success instruction to processor;
G1, processor are controlled transmission note output information and are fed paper money supplying module;
H1, turnover paper money module controls note output, client gets paper money;
I1, processor are controlled Method of printing module, print transaction receipt to the client that withdraws the money.
Beneficial effect of the present invention: this P2P network mutual based on the third party's payment platform provided by the invention method of depositing and withdrawing, by client, set up voluntarily the equipment of depositing and withdrawing of helping each other, can solve the very few problem of some areas bank self-help access arrangement, installation cost is low simultaneously, there is client to safeguard voluntarily, technical elements relies on the system of third party's payment platform maturation, need not bank special-purpose, general internet only, safe, be applicable to the Rapid Expansion of Community banks, and the granting work of the vast agriculture connection all kinds of subsidies concerning farmers in area.
Below with reference to accompanying drawing, the present invention is described in further details.
Accompanying drawing explanation
Fig. 1 is that accounts information is confirmed schematic diagram.
Fig. 2 is deposit schematic flow sheet.
Fig. 3 is enchashment schematic flow sheet.
Embodiment
Embodiment 1:
A kind of P2P network mutual based on third party's payment platform method of depositing and withdrawing, comprise main body, processor in being arranged at, and the display being electrically connected to processor respectively, enter paper money supplying module, keyboard, Method of printing module and communication interface, also comprise account module described in the I.D. read module being electrically connected to processor respectively, the self-service method of depositing and withdrawing.The P2P network mutual method of depositing and withdrawing of this third party's payment platform is withdrawn the money and first will be carried out authentication, after authentication completes, according to customer demand, is deposit or withdraw the money and carry out corresponding redirect.
The process of authentication is: I.D. read module reading identity card information, be committed to third party's payment platform, and third party's payment platform feedback account information, inputs password and is again committed to third-party payment system and examines password after customer selecting account.Password is examined and is successfully entered the flow process of depositing and withdrawing, and password is examined failure and re-entered and examine, and three failures of accumulative total send early warning information to third party's payment platform.
The process of withdrawing the money is: input amount of cash, submission information is to third party's payment platform, third party's payment platform sends identifying code to enchashment client mobile phone, enchashment client input validation code is committed to third party's payment platform and examines, after examining successfully, third party's payment platform is indoor to acknowledging a debt under the method for depositing and withdrawing of helping each other by funds transfer in enchashment customer account, the self-service method inner treater of depositing and withdrawing receives indoor the keeping accounts after information of acknowledging a debt under the method for depositing and withdrawing of helping each other, send note output instruction to paper money supplying module, after paper money supplying module is told paper money, client gets paper money and exits and get paper money operation interface, conclude the business complete.
The process of deposit is: cash is put into into paper money supplying module, module reads cash, feedback amount of cash is to display, the amount of money is confirmed in deposit client keyboard operation, enter paper money supplying module and regain cash, processor receives cash and regains information, and in everyone account of the method for depositing and withdrawing of helping each other, funds transfer is to depositing in customer account, deposit client confirms to print transaction receipt, and transaction completes.
Embodiment 2:
The above-mentioned P2P network mutual based on the third party's payment platform method of depositing and withdrawing, comprises following operation steps:
(1) accounts information is confirmed;
(2) select to deposit and withdraw flow process.
The described P2P network mutual based on the third party's payment platform method of depositing and withdrawing, is characterized in that: described accounts information is confirmed, comprised the steps:
Step 1, client inputs accounts information;
Step 2, I.D. read module, reading identity card information, and send processor to;
Step 3, processor extracts ID (identity number) card information and is uploaded to third party's payment platform;
Step 4, third party's payment platform feedback corresponding account information;
Step 5, client selects input password by keyboard;
Step 6, third party's payment platform carries out password contrast, as password mistake, returns to step 5 and continues input password, as Password Input correctly carries out next step.
The described selection flow process of depositing and withdrawing, comprises deposit flow process and the flow process of withdrawing the money; Described deposit flow process comprises the steps:
A, complete accounts information described in claim 2 and confirm step;
B, client put into cash by entering paper money supplying module, and confirm to finish to put paper money;
C, processor are controlled paper money supplying module and are carried out cash confirmation, and show by display the paper money information of putting;
D, client carry out amount deposited confirmation;
E, processor are uploaded to third party's payment platform by deposit information;
F, third party's payment platform are sent to account described in the method for depositing and withdrawing of helping each other by information, and carry out funds transfer, transfer successfully afterwards result feedback to processor;
G, processor are controlled display and are shown information, and control Method of printing module and print transaction receipt to the client that deposits cash;
Described enchashment flow process comprises the steps:
A1, complete accounts information described in claim 2 and confirm step;
B1, client input the enchashment amount of money;
C1, processor are sent to third party's payment platform by enchashment information;
D1, third party's payment platform send identifying code note to enchashment client mobile phone;
E1, enchashment client input validation code;
F1, processor judge whether identifying code is inputted correctly, returns to e1 as incorrect, as correctly transferred fund to enchashment customer account, after transferring successfully, send funds transfer success instruction to processor;
G1, processor are controlled transmission note output information and are fed paper money supplying module;
H1, turnover paper money module controls note output, client gets paper money;
I1, processor are controlled Method of printing module, print transaction receipt to the client that withdraws the money.
The P2P network mutual of this kind based on the third party's payment platform method of depositing and withdrawing, by client, set up voluntarily the equipment of depositing and withdrawing of helping each other, can solve the very few problem of some areas bank self-help access arrangement, installation cost is low simultaneously, has client to safeguard voluntarily, technical elements relies on the system of third party's payment platform maturation, need not bank special-purpose, only general internet, safe, be applicable to the Rapid Expansion of Community banks, and the granting work of the vast agriculture connection all kinds of subsidies concerning farmers in area.
More than exemplifying is only to illustrate of the present invention, does not form the restriction to protection scope of the present invention, within the every and same or analogous design of the present invention all belongs to protection scope of the present invention.
Claims (3)
1. the method for depositing and withdrawing of the P2P network mutual based on third party's payment platform, is characterized in that: comprise following operation steps:
(1) accounts information is confirmed;
(2) select to deposit and withdraw flow process.
2. the P2P network mutual based on the third party's payment platform as claimed in claim 1 method of depositing and withdrawing, is characterized in that: described accounts information is confirmed, comprised the steps:
Step 1, client inputs accounts information;
Step 2, I.D. read module, reading identity card information, and send processor to;
Step 3, processor extracts ID (identity number) card information and is uploaded to third party's payment platform;
Step 4, third party's payment platform feedback corresponding account information;
Step 5, client selects input password by keyboard;
Step 6, third party's payment platform carries out password contrast, as password mistake, returns to step 5 and continues input password, as Password Input correctly carries out next step.
3. the P2P network mutual based on the third party's payment platform as claimed in claim 2 method of depositing and withdrawing, is characterized in that: the described selection flow process of depositing and withdrawing, comprises deposit flow process and the flow process of withdrawing the money; Described deposit flow process comprises the steps:
A, complete accounts information described in claim 2 and confirm step;
B, client put into cash by entering paper money supplying module, and confirm to finish to put paper money;
C, processor are controlled paper money supplying module and are carried out cash confirmation, and show by display the paper money information of putting;
D, client carry out amount deposited confirmation;
E, processor are uploaded to third party's payment platform by deposit information;
F, third party's payment platform are sent to account described in the method for depositing and withdrawing of helping each other by information, and carry out funds transfer, transfer successfully afterwards result feedback to processor;
G, processor are controlled display and are shown information, and control Method of printing module and print transaction receipt to the client that deposits cash;
Described enchashment flow process comprises the steps:
A1, complete accounts information described in claim 2 and confirm step;
B1, client input the enchashment amount of money;
C1, processor are sent to third party's payment platform by enchashment information;
D1, third party's payment platform send identifying code note to enchashment client mobile phone;
E1, enchashment client input validation code;
F1, processor judge whether identifying code is inputted correctly, returns to e1 as incorrect, as correctly transferred fund to enchashment customer account, after transferring successfully, send funds transfer success instruction to processor;
G1, processor are controlled transmission note output information and are fed paper money supplying module;
H1, turnover paper money module controls note output, client gets paper money;
I1, processor are controlled Method of printing module, print transaction receipt to the client that withdraws the money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410159728.9A CN103927647A (en) | 2014-04-21 | 2014-04-21 | P2P network mutual assistance money depositing and withdrawing method based on third party payment platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410159728.9A CN103927647A (en) | 2014-04-21 | 2014-04-21 | P2P network mutual assistance money depositing and withdrawing method based on third party payment platform |
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| Publication Number | Publication Date |
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| CN103927647A true CN103927647A (en) | 2014-07-16 |
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| CN201410159728.9A Pending CN103927647A (en) | 2014-04-21 | 2014-04-21 | P2P network mutual assistance money depositing and withdrawing method based on third party payment platform |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105096474A (en) * | 2015-06-29 | 2015-11-25 | 百度在线网络技术（北京）有限公司 | Method and device for withdrawing cash without card |
| CN105205944A (en) * | 2015-09-22 | 2015-12-30 | 电子科技大学 | Self-service deposit and withdrawal system based on intelligent terminal |
| CN105447685A (en) * | 2015-12-22 | 2016-03-30 | 王义海 | Paper money, coin and cash service device and method of internet payment (financial) account |
| CN105488890A (en) * | 2015-12-05 | 2016-04-13 | 黄大成 | Connection system for automatic identification and check of personal information |
| CN106651335A (en) * | 2017-01-11 | 2017-05-10 | 南京紫米网络科技有限公司 | Bank-integrated third-party payment system and using method thereof |
| CN107423976A (en) * | 2017-06-08 | 2017-12-01 | 深圳科银科技有限公司 | One kind is without card method of payment and system |
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| US20070061257A1 (en) * | 2000-07-11 | 2007-03-15 | Western Union Financial Services Inc. | Method For Making an Online Payment Through a Payment Enabler System |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105096474A (en) * | 2015-06-29 | 2015-11-25 | 百度在线网络技术（北京）有限公司 | Method and device for withdrawing cash without card |
| CN105205944A (en) * | 2015-09-22 | 2015-12-30 | 电子科技大学 | Self-service deposit and withdrawal system based on intelligent terminal |
| CN105488890A (en) * | 2015-12-05 | 2016-04-13 | 黄大成 | Connection system for automatic identification and check of personal information |
| CN105447685A (en) * | 2015-12-22 | 2016-03-30 | 王义海 | Paper money, coin and cash service device and method of internet payment (financial) account |
| CN106651335A (en) * | 2017-01-11 | 2017-05-10 | 南京紫米网络科技有限公司 | Bank-integrated third-party payment system and using method thereof |
| CN106651335B (en) * | 2017-01-11 | 2021-01-12 | 南京紫米网络科技有限公司 | Bank integrated third party payment system and use method thereof |
| CN107423976A (en) * | 2017-06-08 | 2017-12-01 | 深圳科银科技有限公司 | One kind is without card method of payment and system |
| CN107423976B (en) * | 2017-06-08 | 2020-04-17 | 深圳科银科技有限公司 | Card-free payment method and system |
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Application publication date: 20140716 |
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