CN106855975A - A kind of method for building up, device and cashing method, the device of channel of collecting money - Google Patents
A kind of method for building up, device and cashing method, the device of channel of collecting money Download PDFInfo
- Publication number
- CN106855975A CN106855975A CN201611265727.8A CN201611265727A CN106855975A CN 106855975 A CN106855975 A CN 106855975A CN 201611265727 A CN201611265727 A CN 201611265727A CN 106855975 A CN106855975 A CN 106855975A
- Authority
- CN
- China
- Prior art keywords
- gathering
- channel
- account
- signing
- square
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Classifications
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/22—Payment schemes or models
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of method for building up, device and cashing method, the device of channel of collecting money, by the CAMEL-Subscription-Information for receiving input, set up signing gathering channel corresponding with CAMEL-Subscription-Information, when the different CAMEL-Subscription-Information of debit's input multiple, then it is directed to different CAMEL-Subscription-Information, corresponding signing gathering channel is set up respectively, and setting up associating between debit's account and CAMEL-Subscription-Information and signing gathering channel so that debit can realize gathering according to self-demand by once signing by different gathering channels.Compared in the prior art, user needs to be signed an agreement respectively with multiple banks, could realize from the different modes for paying side's gathering, realized multiple gathering channel incorporation by once signing in the application, and for users to use, user pays side for different, and different gathering channels can be selected to realize gathering, and cooperates with multiple banks without user.It is simple to operate, and reduce the workload of user.
Description
Technical field
The invention belongs to intelligence gathering technical field, more particularly to a kind of intelligent inter-bank cash collecting system and method.
Background technology
When domestic RMB is collected money at present, if debit and paying side after different opening a bank account, collected money canal by inter-bank
During gathering is realized in road, the loss that the Fu Fang banks of deposit deposit in order to avoid itself closes some specific gathering canals
Road, causes debit to be collected money from square account is paid by specific channel.In order to solve this technical problem, in the prior art
The technical scheme of use is that debit cooperates with multiple banks, and the gathering channel provided using multiple banks is received from square account is paid
Money.
But, when using debit to cooperate this mode with multiple banks to realize being collected money from a pair square account, if Fu Fangwei
Multiple, such as CNN collect the CATV fee used time during the family of cable television is opened from multiple, and it is multiple to pay side
Family, CNN needs to complete to collect all family wired TV expenses jointly by multiple banks, causes to receive
Side complex operation and take resource it is many.
The content of the invention
In view of this, it is an object of the invention to provide a kind of inter-bank cash collecting system and method, for solving prior art
The middle problem for realizing complex operation during inter-bank gathering.Technical scheme is as follows：
The present invention provides a kind of method for building up of channel of collecting money, including：
Receive the CAMEL-Subscription-Information of input；Wherein, the CAMEL-Subscription-Information at least includes paying square account；
According to each pair of square account, the gathering channel that described each pair square account is supported is obtained；
From each pays the gathering channel that square account is supported described in getting, selection is corresponding with described each pair square account
Signing gathering channel；
Set up described each pair square account, the association between signing gathering channel and debit's account.
Preferably, each pays the association between square account, signing gathering channel and debit's account described in the foundation
Including：
Channel CAMEL-Subscription-Information is sent to the signing gathering channel；Wherein, the channel CAMEL-Subscription-Information at least includes described
Each is paid square account and pays square corresponding pair of account square name in an account book with each；
Receive approval results of the signing gathering channel to the channel CAMEL-Subscription-Information；
Judge whether the approval results are qualified；
When qualified, described each pair square account, the association between signing gathering channel and debit's account are set up.
Preferably, each pays the association between square account, signing gathering channel and debit's account described in the foundation,
Including：
Receive the channel CAMEL-Subscription-Information that the signing gathering channel sends；Wherein, the channel CAMEL-Subscription-Information at least includes
Each pair of square account and each pair of square square name in an account book of corresponding pair of account；
According to the channel CAMEL-Subscription-Information, described each pair square account, the signing gathering channel and debit's account are set up
Between association.
Present invention also offers a kind of cashing method, including：
Receive the Receiving information of input；Wherein, the Receiving information at least includes debit's account, pays square account and gathering gold
Volume；
According to the Receiving information, label corresponding with the Receiving information are obtained from the signing gathering channel for pre-building
About collect money channel；
Collected money using the signing gathering channel.
Preferably, it is described according to the Receiving information, obtained and the Receiving information pair from the signing gathering channel
The signing gathering channel answered, including：
In the signing gathering channel corresponding with debit's account each described, search and described each pair square account one
One corresponding signing gathering channel.
Preferably, it is described using the signing gathering channel gathering, including：
Gathering transaction request is sent to the signing gathering channel for getting；
Each pays the transaction receipt that square account collects money channel transmission by the signing described in receiving.
Preferably, after the gathering channel transmission gathering transaction request to the signing for getting, also include：
Pair with it is described gathering transaction request it is corresponding gathering transaction, cleared；
Wherein, to the corresponding gathering transaction of the gathering transaction request, carrying out clearance includes：
Receive the clearance file that the corresponding clearance access platform of the signing gathering channel sends；
According to the clearance file, the gathering transaction is cleared.Preferably, it is described to the signing for getting
Gathering channel sends gathering transaction request to be included：
Receive gathering transaction request；
Judge whether the quantity of the gathering transaction request exceedes the gathering trading volume of the signing gathering channel for pre-setting
Threshold value；
Judged result is yes, then cache the gathering transaction request for receiving；
By the gathering transaction request asynchronous transmission to the signing gathering channel.
Present invention also offers a kind of device of setting up of channel of collecting money, including：
First receiving unit, the CAMEL-Subscription-Information for receiving input；Wherein, the CAMEL-Subscription-Information at least includes paying square account
Number；
First acquisition unit, for according to each pair of square account, obtaining the gathering channel that described each pair square account is supported；
Select unit, for from each pays the gathering channel that square account is supported described in getting, selection to be every with described
The corresponding signing gathering channel of individual pair of square account；
Unit is set up, for setting up described each pair square account, the pass between signing gathering channel and debit's account
Connection.
Preferably, it is described to set up unit, including：
First transmission sub-unit, for sending channel CAMEL-Subscription-Information to the signing gathering channel；Wherein, the channel label
About information at least includes that described each pair square account pays square corresponding pair of account square name in an account book with each；
First receiving subelement, for receiving approval results of the signing gathering channel to the channel CAMEL-Subscription-Information；
Judgment sub-unit, for judging whether the approval results are qualified；
First sets up subelement, described every for when the judgment sub-unit judges that the approval results are qualified, setting up
Individual pair of square account, the association between signing gathering channel and debit's account.
Preferably, it is described to set up unit, including：
Second receiving subelement, for receiving the channel CAMEL-Subscription-Information that the signing gathering channel sends；Wherein, the canal
Road CAMEL-Subscription-Information at least includes that described each pair square account pays square corresponding pair of account square name in an account book with each；
Second sets up subelement, for the channel CAMEL-Subscription-Information received according to second receiving subelement, sets up
Each pair of square account, the association between signing gathering channel and debit's account.
Present invention also offers a kind of checkout, including：
Second receiving unit, the Receiving information for receiving input；Wherein, the Receiving information at least includes debit's account
Number, pair side's account and collection amount；
Second acquisition unit, for according to the Receiving information, being obtained and institute from the signing gathering channel for pre-building
State the corresponding signing gathering channel of Receiving information；
Gathering unit, for using the signing gathering channel gathering.
Preferably, the gathering unit, including：
Second transmission sub-unit, for sending gathering transaction request to the signing gathering channel for getting；
Second receiving subelement, for receiving the transaction that described each pair square account is sent by the signing gathering channel
Receipt.
Preferably, also include：
Clearance unit；
The clearance unit, for pair gathering transaction corresponding with the gathering transaction request, is cleared；
Wherein, the clearance unit includes：
3rd receiving subelement, for receiving the clearance text that the corresponding clearance access platform of the signing gathering channel sends
Part；
Clearance subelement, for according to the clearance file, being cleared to the gathering transaction.
Preferably, second transmission sub-unit, including：
Transaction request receiving unit, for receiving gathering transaction request；
Whether threshold decision unit, the quantity for judging the gathering transaction request exceedes the signing for pre-setting gathering
The gathering trading volume threshold value of channel；
Memory cell, for when the threshold decision unit judges result is to be, the gathering that caching is received to be handed over
Easily request；
Asynchronous transmission unit, for by it is described gathering transaction request asynchronous transmission to it is described signing gathering channel.
Compared with prior art, the above-mentioned technical proposal that the present invention is provided has the following advantages that：
Knowable to above-mentioned technical proposal, the present invention is set up corresponding with CAMEL-Subscription-Information by receiving the CAMEL-Subscription-Information being input into
Signing gathering channel, when the different CAMEL-Subscription-Information of debit's input multiple, then for different CAMEL-Subscription-Information, sets up therewith respectively
Corresponding signing gathering channel, and set up associating between debit's account and CAMEL-Subscription-Information and signing gathering channel so that receive
Side can realize gathering according to self-demand by once signing by different gathering channels.
Compared in the prior art, user needs to be signed an agreement respectively with multiple banks, could realize paying side from different
The mode of gathering, is realized multiple gathering channel incorporation in the application by once signing, and for users to use, user is not for
Same pays side, and different gathering channels can be selected to realize gathering, and cooperates with multiple banks without user.It is simple to operate, and
Reduce the workload of user.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are the present invention
Some embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
These accompanying drawings obtain other accompanying drawings.
Fig. 1 is a kind of flow chart of the method for building up of channel of collecting money disclosed in the present embodiment；
Fig. 2 is a kind of flow chart of cashing method disclosed in the present embodiment；
Fig. 3 is the flow chart of another cashing method disclosed in the present embodiment；
Fig. 4 is a kind of structure chart for setting up device of channel of collecting money disclosed in the present embodiment；
Fig. 5 is a kind of structure chart of checkout disclosed in the present embodiment；
Fig. 6 is the structure chart of another checkout disclosed in the present embodiment.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
User opens an account in Construction Bank's application, during realizing gathering from any one or more pairs of square accounts, builds
The demand gone according to client, with reference to contents such as collections of charges, for client provides suitable gathering channel, for example, user is wired
TV and Radio Corporation, it needs to be collected the charges respectively in the family for opened cable television services from each, then user is required realizes
Be large batch of transaction, with reference to the gathering different expenses standard of channel, for cable television company provides gold connection gathering this receipts
Money channel.
But, by the possible difference of bank of deposit of the account that each payable at sight side of family is held, for example the side of paying can hold
Rural Commercial Bank or credit office's account, this kind of smaller banks are not in the range of gold connection channel support.Now, when it is multiple
Through having opened the family of cable television services, hold the bank card do not manageed it with him, and he manages it and do not support gold connection and collect money this receipts
During money channel, cause CNN can not successfully from hold he manage it bank card family in collect money cable television services expense
With.
In the prior art, in order to realize user the family of cable television services can have been opened from each in collection charge
With being by the way of：Manage it the family of bank card for him is held, CNN manages it signing with him respectively, with realize from
Collected the charges in each family.This mode causes the complex operation of user and occupancy resource is more.
For this problem, this application provides a kind of method for building up of channel of collecting money, by receiving the CAMEL-Subscription-Information of input,
Gathering channel corresponding with CAMEL-Subscription-Information is set up, when the different CAMEL-Subscription-Information of debit's input multiple, then for different signings
Information, sets up corresponding gathering channel respectively so that debit can be according to self-demand by difference by once signing
Gathering channel realize gathering.
Compared in the prior art, user needs to be signed an agreement respectively with multiple banks, could realize paying side from different
The mode of gathering, is realized multiple gathering channel incorporation in the application by once signing, and for users to use, user is not for
Same pays side, and different gathering channels can be selected to realize gathering, and cooperates with multiple banks without user.It is simple to operate, and
Reduce the workload of user.
Fig. 1 is referred to, a kind of flow chart of the method for building up of the gathering channel provided it illustrates the embodiment of the present application, institute
Stating method for building up includes：
S101, the CAMEL-Subscription-Information for receiving input；
Wherein, the CAMEL-Subscription-Information at least includes paying square account；
Preferably, described pair of square account can pay bank's card number of side.
S102, the gathering channel supported according to each pair of square account, described each pair square account of acquisition；
Different banks, the gathering channel that the bank card that it is opened is supported is different, for each pair of square account correspondence
Bank of deposit, the gathering channel that each pair of square account is supported is obtained respectively.Each pays side's gathering channel that account is supported
One, or multiple.
In S103, the gathering channel supported from each pair described in getting square account, select and each pair of side account
Number corresponding signing gathering channel；
When paying a gathering channel that square account supports and being one, then this gathering channel is selected to be and this pair of square account pair
The signing gathering channel answered；
When the gathering channel that pair square account is supported is for multiple, then a gathering channel is selected from this multiple gathering channel
It is signing gathering channel corresponding with this pair of square account.
S104, described each pair square account of foundation, the association between signing gathering channel and debit's account.
Preferably, setting up described each association paid between square account, signing gathering channel and debit's account includes：
S1041, channel of being collected money to the signing send channel CAMEL-Subscription-Information；Wherein, the channel CAMEL-Subscription-Information is at least wrapped
Include described each pair square account pays square corresponding pair of account square name in an account book with each；
For each pair of square account, will at least include paying square account, pay the channel signing of the square name in an account book of square corresponding pair of account
Information, is sent to the signing gathering channel；
Due to different gathering channels, when gathering agreement is signed, the specific channel CAMEL-Subscription-Information of required offer is not
With, therefore for signing gathering channel, channel CAMEL-Subscription-Information required for including it is sent to signing channel of collecting money
Content.
For example, when signing gathering channel is small amount debit, channel CAMEL-Subscription-Information includes paying square account, pays square name in an account book, Fu Fang
Connection line number and authority to pay protocol number；
Signing gathering channel for Unionpay collect money when, channel CAMEL-Subscription-Information is except including paying a square account, pay square name in an account book, pay side's connection and go
Number, trade company's numbering, POS numberings and the Merchants register information such as type of credential；Wherein, the Merchants register information can be stepped on from trade company
Note system is obtained；
When signing gathering channel is gold connection gathering, channel CAMEL-Subscription-Information is except including paying a square account, paying square name in an account book, pair side's connection row
Number and business license, organization mechanism code Zheng Deng enterprises inbound information.
The approval results of S1042, the reception signing gathering channel to the channel CAMEL-Subscription-Information；
S1043, judge whether the approval results are qualified；
When qualified, S1044 is performed；
S1044, described each pair square account of foundation, the association between signing gathering channel and debit's account.
The mode of the above-mentioned association set up between each pair of square account, signing gathering channel and debit's account, is applicable
Yu Jinlian, Unionpay etc. collect money channel, it is necessary to debit initiates subscription request.
Preferably, setting up described each association paid between square account, signing gathering channel and debit's account includes：
Receive the channel CAMEL-Subscription-Information that the signing gathering channel sends；Wherein, the channel CAMEL-Subscription-Information at least includes
Each pair of square account and each pair of square square name in an account book of corresponding pair of account；
According to the channel CAMEL-Subscription-Information, described each pair square account, the signing gathering channel and debit's account are set up
Between association.
The mode of the above-mentioned association set up between each pair of square account, signing gathering channel and debit's account, is applicable
Channel is collected money, it is necessary to pay side's initiation subscription request in small amount debit etc..
For each pair of side's account, it is determined that after signing gathering channel corresponding with each pair of side account, by described in
Each pays square account, signing gathering channel, is associated with debit's account.Wherein, debit's account can be one,
It can be multiple.
The corresponding signing gathering channel of one debit's account has a multiple, but this debit's account it is corresponding each pay square account
Number, only correspond to a signing gathering channel.After debit's account and a pair square account all determine, only one signing can be found
Gathering channel.
An association between a square account, signing gathering channel and debit's account is paid by setting up, debit's account is from paying a square account
Place gathering is realized by a signing gathering channel.
In the present embodiment, by receiving the CAMEL-Subscription-Information of input, signing gathering channel corresponding with CAMEL-Subscription-Information is set up, when
When debit is input into multiple different CAMEL-Subscription-Information, then for different CAMEL-Subscription-Information, corresponding signing gathering is set up respectively
Channel, and set up associating between debit's account and CAMEL-Subscription-Information and signing gathering channel so that debit is by once contracting
Gathering can be realized by different gathering channels according to self-demand.
Compared in the prior art, user needs to be signed an agreement respectively with multiple banks, could realize paying side from different
The mode of gathering, is realized multiple gathering channel incorporation in the application by once signing, and for users to use, user is not for
Same pays side, and different gathering channels can be selected to realize gathering, and cooperates with multiple banks without user.It is simple to operate, and
Reduce the workload of user.
The gathering channel that method for building up based on channel of being collected money disclosed in above-described embodiment is set up, the present embodiment is also disclosed
A kind of cashing method.Refering to Fig. 2, a kind of flow chart of the cashing method provided it illustrates the embodiment of the present application, the gathering
Method includes：
S201, the Receiving information for receiving input；Wherein, the Receiving information at least include debit's account, pay square account and
Collection amount；
When being collected money, it is necessary to connect banking system, wherein, connected mode can be by the side of logging in online banks
Formula, by inputing user name and password login Web bank；Connected mode can also be direct-connected mode, and user is by logging in
The system of oneself, after input mating interface specification, realizes the connection of the system of oneself and Construction Bank's system.
After connection banking system, banking system receives the Receiving information of user input, wherein, the Receiving information is at least wrapped
Include debit's account, pay square account and collection amount.
Preferably, debit's account can be input into after Web bank is signed in when directly according to logging in online banks
User name obtain, it is also possible to after business system is logged in, arrived according to the acquisition of information that is input into when logging in business system；
When debit's account has multiple, i.e., during one user's correspondence multiple debit's account, can be received from multiple in gathering
Debit's account is selected in square account.
S202, according to the Receiving information, obtained and the Receiving information pair from the signing gathering channel for pre-building
The signing gathering channel answered；
After receiving Receiving information, paid between square account, signing gathering channel and debit's account in each for pre-building
Association in, obtain it is corresponding with debit's account that Receiving information includes it is described signing collect money channel, further according to Receiving information
What is included pays square account, search with it is described each pay square account and contract correspondingly gathering channel.
S203, channel of being collected money using the signing are collected money.
Preferably, it is described using the signing gathering channel gathering, including：
S2031, transaction request of being collected money to the signing gathering channel transmission for getting；
To the channel transmission gathering transaction request of collecting money of contracting, the signing gathering channel is believed according to channel signing
Breath, gathering transaction request is sent to the Fu Fang banks of deposit.
The transaction receipt that S2032, described each pair square account of reception are sent by the signing gathering channel.
In the present embodiment, when debit pays from multiple and collected money in square account, according to pre-building and debit's account, Fu Fang
The corresponding signing gathering channel of account, realizes being collected money from each pair of square account.I.e. user only need to Construction Bank open one it is right
Public current account, is during Construction Bank contracts, different gathering channels to be set up for different square accounts of paying, by will be many
Individual gathering channel incorporation, to realize being collected money from each pair of square account respectively using one or more gathering channels.Solve
In face of hold not with he manage it when paying side, user needs to be signed an agreement respectively with multiple banks respectively, could realize from different
Pay side's gathering, the problem of caused complex operation.
Refering to Fig. 3, the flow chart of another cashing method provided it illustrates the embodiment of the present application, the cashing method
Including：
S301, the Receiving information for receiving input；Wherein, the Receiving information at least include debit's account, pay square account and
Collection amount；
S302, according to the Receiving information, obtained and the Receiving information pair from the signing gathering channel for pre-building
The signing gathering channel answered；
Step S301, S302 in the present embodiment is identical with step S201, S202 in the embodiment shown in Fig. 2, herein
Repeat no more.
S303, transaction request of being collected money to the signing gathering channel transmission for getting；
Preferably, it is described to send gathering transaction request to the signing for getting gathering channel, including：
S3031, reception gathering transaction request；
The gathering transaction request that user is sent by business system is received, this transaction request can be touched by specific button
Hair；
S3032, judge it is described gathering transaction request quantity whether exceed pre-set signing gathering channel gathering
Trading volume threshold value；
Judged result is yes, then perform S3033；
Judged result is no, then perform S3035；
For each signing gathering channel, gathering trading volume threshold value can be pre-set；
This mainly for user be enterprise, enterprise concentrates a large amount of gathering transaction requests of transmission in a short time.
After gathering transaction request is received, being collected money according to the signing for getting, channel is corresponding to be pre-set
Gathering trading volume threshold value, judge it is described gathering transaction request quantity whether exceed it is described signing gathering channel gathering transaction
Amount threshold value；
The gathering transaction request that S3033, caching are received；
When the quantity of the gathering transaction request for judging to receive has exceeded the gathering transaction of the signing gathering channel
Amount threshold value, then the gathering transaction request storage that will be received；
S3034, channel that the gathering transaction request asynchronous transmission to the signing is collected money；
The gathering transaction request for storing is sent to the signing gathering channel by the way of asynchronous.
It is alternatively possible to pre-set gathering trading volume threshold value for user, i.e., the gathering transaction request that ought be received is
What certain specific user sent, then the gathering trading volume threshold value for being pre-set according to this specific user judges that the gathering is handed over
Whether the quantity of easily request has exceeded threshold value, after being stored if having exceeded, to the signing gathering channel by the way of asynchronous
Send.
Threshold value is set for user to be mainly in view of some users, the transaction request amount for sending every time is all very big, at this moment
Threshold value can be set for this user, it is to avoid while when sending a large amount of transaction requests, causing system congestion, what transaction request failed asks
Topic is produced.
Threshold value is set to user and channel setting threshold value of being collected money to signing is different, wherein, signing gathering channel is set
Threshold value is put, is controlled only for the transaction request sent under this signing gathering channel；And threshold value is set to user, then only
Which kind of if this Client-initiated is concluded the business, no matter using gathering channel, then all transaction request is controlled.
S3035, channel that the gathering transaction request transmission simultaneously to the signing is collected money；
The transaction receipt that S304, described each pair square account of reception are sent by the signing gathering channel；
S305, pair gathering transaction corresponding with the gathering transaction request, are cleared；
Cleared preferably for the corresponding gathering transaction of the gathering transaction request, including：
S3051, the clearance file for receiving the corresponding clearance access platform transmission of the signing gathering channel；
Due to different signing gathering channels, corresponding clearance access platform is different, receives the different clearances logical
The clearance file that road platform sends.
S3052, according to the clearance file, the gathering transaction is cleared.
Wherein, the execution sequence of step S304 and step S305 is not limited by the present embodiment.In actual applications, it is right
It is that timing is performed that the gathering transaction of initiation clear.
A kind of cashing method disclosed in the present embodiment, can also include that pair gathering corresponding with the gathering transaction request is handed over
Easily, reconciliation is carried out；
Wherein, pair gathering transaction corresponding with the gathering transaction request, carrying out reconciliation includes：
Reconciliation is sent to reconciliation system corresponding with the signing gathering channel for getting to ask；
Due to different signing gathering channels, corresponding reconciliation system is different, such as described signing gathering channel is
During small amount debit, corresponding reconciliation system is payment and settlement system；It is described signing gathering channel for Unionpay collect money when, it is corresponding right
Account system is Unionpay's system；It is described signing gathering channel for gold connection gathering when, corresponding reconciliation system be payment and settlement system and
Jin Lianwan family's system.Therefore need according to the signing gathering channel, it is determined that reconciliation system corresponding with the signing gathering channel
System, and send reconciliation request to the reconciliation system.
Receive the reconciliation result that the reconciliation system is returned.
User can inquire about reconciliation result by unified query interface, and then know the transaction results of gathering transaction.By
In the corresponding reconciliation system of different signing gathering channels be different, therefore, the display of the reconciliation result that reconciliation system is returned
Form or content are different.
In actual applications, the cycle can be pre-set, completing reconciliation according to the cycle operates.
In the present embodiment, when debit pays from multiple and collected money in square account, according to pre-building and debit's account, Fu Fang
The corresponding signing gathering channel of account, realizes being collected money from each pair of square account.I.e. user only need to Construction Bank open one it is right
Public current account, is during Construction Bank contracts, different gathering channels to be set up for different square accounts of paying, by will be many
Individual gathering channel incorporation, to realize being collected money from each pair of square account respectively using one or more gathering channels.Solve
In face of hold not with he manage it when paying side, user needs to be signed an agreement respectively with multiple banks respectively, could realize from different
Pay side's gathering, the problem of caused complex operation.
Meanwhile, in the present embodiment, when gathering transaction request is sent, for the threshold value that signing gathering channel is set, to same
When the trading volume that sends be controlled, can avoid while sending a large amount of transaction requests causes system congestion, transaction request failure
Problem produce.And clearance and reconciliation operation are provided to gathering transaction, facilitate user to know the transaction knot of current gathering transaction
Really, improve Consumer's Experience.
The method for building up of a kind of gathering channel shown in corresponding diagram 1, present embodiment discloses a kind of foundation of channel of collecting money
Device, refering to Fig. 4, it illustrates a kind of structure chart for setting up device of channel of collecting money, the foundation dress disclosed in the present embodiment
Put including：
First receiving unit 11, first acquisition unit 12, select unit 13 and set up unit 14；
First receiving unit 11, the CAMEL-Subscription-Information for receiving input；Wherein, the CAMEL-Subscription-Information at least includes paying
Square account；
The first acquisition unit 12, for according to each pair of square account, obtaining the receipts that described each pair square account is supported
Money channel；
The select unit 13, for from each pays the gathering channel that square account is supported described in getting, selection with
The corresponding signing gathering channel of each pair of side account；
It is described to set up unit 14, for set up it is described each pay square account, signing gathering channel and debit's account it
Between association.
Preferably, it is described to set up unit 14, including：
First transmission sub-unit 21, the first receiving subelement 22, judgment sub-unit 23 and first set up subelement 24；
First transmission sub-unit 21, for sending channel CAMEL-Subscription-Information to the signing gathering channel；Wherein, it is described
Channel CAMEL-Subscription-Information at least includes that described each pair square account pays square corresponding pair of account square name in an account book with each；
First receiving subelement 22, for receiving examination ＆ approval of the signing gathering channel to the channel CAMEL-Subscription-Information
As a result；
The judgment sub-unit 23, for judging whether the approval results are qualified；
Described first sets up subelement 24, for when the judgment sub-unit judges that the approval results are qualified, setting up
Each pair of square account, the association between signing gathering channel and debit's account.
Preferably, it is described to set up unit 14, including：
Second receiving subelement and second sets up subelement；
Second receiving subelement, for receiving the channel CAMEL-Subscription-Information that the signing gathering channel sends；Wherein, institute
Stating channel CAMEL-Subscription-Information at least includes that described each pair square account pays square corresponding pair of account square name in an account book with each；
Described second sets up subelement, for the channel CAMEL-Subscription-Information received according to second receiving subelement,
Set up described each pair square account, the association between signing gathering channel and debit's account.
Setting up between debit's account, pair square account and signing gathering channel when associating, the signing gathering of fundamental difference
Channel, selects different to set up unit 14, the association that realization is set up between three.
In the present embodiment, the CAMEL-Subscription-Information of input is received by the first receiving unit, set up unit and set up and CAMEL-Subscription-Information
Corresponding signing gathering channel, when the different CAMEL-Subscription-Information of debit's input multiple, then for different CAMEL-Subscription-Information, builds respectively
Vertical corresponding signing gathering channel, and associating between debit's account and CAMEL-Subscription-Information and signing gathering channel is set up,
So that debit can realize gathering according to self-demand by once signing by different gathering channels.
Compared in the prior art, user needs to be signed an agreement respectively with multiple banks, could realize paying side from different
The mode of gathering, is realized multiple gathering channel incorporation in the application by once signing, and for users to use, user is not for
Same pays side, and different gathering channels can be selected to realize gathering, and cooperates with multiple banks without user.It is simple to operate, and
Reduce the workload of user.
A kind of cashing method shown in corresponding diagram 2, present embodiment discloses a kind of checkout, refering to Fig. 5, it illustrates
A kind of structure chart of checkout disclosed in the present embodiment, the checkout includes：
Second receiving unit 31, second acquisition unit 32 and gathering unit 33；
Second receiving unit 31, the Receiving information for receiving input；Wherein, the Receiving information at least includes receiving
Square account, pair square account and collection amount；
The second acquisition unit 32, for according to the Receiving information, being obtained from the signing gathering channel for pre-building
Take signing gathering channel corresponding with the Receiving information；
The gathering unit 33, for using the signing gathering channel gathering.
Preferably, the gathering unit 33 includes：
Second transmission sub-unit 41, for sending gathering transaction request to the signing gathering channel for getting；
Second receiving subelement 42, for receiving the friendship that described each pair square account is sent by the signing gathering channel
Easy receipt.
In the present embodiment, when debit pays from multiple and collected money in square account, according to pre-building and debit's account, Fu Fang
The corresponding signing gathering channel of account, realizes being collected money from each pair of square account.I.e. user only need to Construction Bank open one it is right
Public current account, is during Construction Bank contracts, different gathering channels to be set up for different square accounts of paying, by will be many
Individual gathering channel incorporation, to realize being collected money from each pair of square account respectively using one or more gathering channels.Solve
In face of hold not with he manage it when paying side, user needs to be signed an agreement respectively with multiple banks respectively, could realize from different
Pay side's gathering, the problem of caused complex operation.
A kind of cashing method shown in corresponding diagram 3, present embodiment discloses a kind of checkout, refering to Fig. 6, it illustrates
A kind of structure chart of checkout disclosed in the present embodiment, the checkout includes：
Second receiving unit 31, second acquisition unit 32, the second transmission sub-unit 41, the second receiving subelement 42 and clearance
Unit 51；
The clearance unit 51, for pair gathering transaction corresponding with the gathering transaction request, is cleared；
Wherein, the clearance unit 51 includes：
3rd receiving subelement, for receiving the clearance text that the corresponding clearance access platform of the signing gathering channel sends
Part；
Clearance subelement, for according to the clearance file, being cleared to the gathering transaction.
Preferably, second transmission sub-unit 41 includes：
Transaction request receiving unit 61, threshold decision unit 62, memory cell 63 and asynchronous transmission unit 64；
The transaction request receiving unit 61, for receiving gathering transaction request；
Whether the threshold decision unit 62, the quantity for judging the gathering transaction request exceedes the label for pre-setting
About collect money channel gathering trading volume threshold value；
The memory cell 63, for when the threshold decision unit judges result is to be, it is described that caching is received
Gathering transaction request；
The asynchronous transmission unit 64, for by it is described gathering transaction request asynchronous transmission to it is described signing gathering channel.
In the present embodiment, when debit pays from multiple and collected money in square account, according to pre-building and debit's account, Fu Fang
The corresponding signing gathering channel of account, realizes being collected money from each pair of square account.I.e. user only need to Construction Bank open one it is right
Public current account, is during Construction Bank contracts, different gathering channels to be set up for different square accounts of paying, by will be many
Individual gathering channel incorporation, to realize being collected money from each pair of square account respectively using one or more gathering channels.Solve
In face of hold not with he manage it when paying side, user needs to be signed an agreement respectively with multiple banks respectively, could realize from different
Pay side's gathering, the problem of caused complex operation.
Meanwhile, in the present embodiment, when gathering transaction request is sent, for the threshold value that signing gathering channel is set, to same
When the trading volume that sends be controlled, can avoid while sending a large amount of transaction requests causes system congestion, transaction request failure
Problem produce.And clearance and reconciliation operation are provided to gathering transaction, facilitate user to know the transaction knot of current gathering transaction
Really, improve Consumer's Experience.
It should be noted that each embodiment in this specification is described by the way of progressive, each embodiment weight
Point explanation is all difference with other embodiment, between each embodiment identical similar part mutually referring to.
For method class embodiment, because it is substantially similar to apparatus embodiments, so description is fairly simple, related part ginseng
See the part explanation of apparatus embodiments.
Finally, in addition it is also necessary to explanation, herein, such as first and second or the like relational terms be used merely to by
One entity or operation make a distinction with another entity or operation, and not necessarily require or imply these entities or operation
Between there is any this actual relation or order.And, term " including ", "comprising" or its any other variant meaning
Covering including for nonexcludability, so that process, method, article or equipment including a series of key elements not only include that
A little key elements, but also other key elements including being not expressly set out, or also include for this process, method, article or
The intrinsic key element of equipment.In the absence of more restrictions, the key element limited by sentence "including a ...", does not arrange
Except also there is other identical element in the process including the key element, method, article or equipment.
The foregoing description of the disclosed embodiments, enables those skilled in the art to realize or uses the present invention.To this
Various modifications of a little embodiments will be apparent for a person skilled in the art, and generic principles defined herein can
Without departing from the spirit or scope of the present invention, to realize in other embodiments.Therefore, the present invention will not be limited
It is formed on the embodiments shown herein, and is to fit to consistent with principles disclosed herein and features of novelty most wide
Scope.
The above is only the preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
For member, under the premise without departing from the principles of the invention, some improvements and modifications can also be made, these improvements and modifications also should
It is considered as protection scope of the present invention.
Claims (15)
1. it is a kind of collect money channel method for building up, it is characterised in that including：
Receive the CAMEL-Subscription-Information of input；Wherein, the CAMEL-Subscription-Information at least includes paying square account；
According to each pair of square account, the gathering channel that described each pair square account is supported is obtained；
In the gathering channel supported from each pair described in getting square account, selection label corresponding with each pair of side account
About collect money channel；
Set up described each pair square account, the association between signing gathering channel and debit's account.
2. method for building up according to claim 1, it is characterised in that each pays square account, the label described in the foundation
Association about between gathering channel and debit's account includes：
Channel CAMEL-Subscription-Information is sent to the signing gathering channel；Wherein, the channel CAMEL-Subscription-Information at least include it is described each
Pay square account pays square corresponding pair of account square name in an account book with each；
Receive approval results of the signing gathering channel to the channel CAMEL-Subscription-Information；
Judge whether the approval results are qualified；
When qualified, described each pair square account, the association between signing gathering channel and debit's account are set up.
3. method for building up according to claim 1, it is characterised in that each pays square account, the label described in the foundation
Association about between gathering channel and debit's account includes：
Receive the channel CAMEL-Subscription-Information that the signing gathering channel sends；Wherein, the channel CAMEL-Subscription-Information at least includes described
Each is paid square account and pays square corresponding pair of account square name in an account book with each；
According to the channel CAMEL-Subscription-Information, set up described each pair square account, the signing and collect money between channel and debit's account
Association.
4. a kind of cashing method of the gathering channel that method for building up based on described in claim any one of 1-3 is set up, its feature
It is, including：
Receive the Receiving information of input；Wherein, the Receiving information at least includes debit's account, pays square account and collection amount；
According to the Receiving information, signing receipts corresponding with the Receiving information are obtained from the signing gathering channel for pre-building
Money channel；
Collected money using the signing gathering channel.
5. cashing method according to claim 4, it is characterised in that described according to the Receiving information, from the signing
Signing gathering channel corresponding with the Receiving information is obtained in gathering channel, including：
In the signing gathering channel corresponding with debit's account each described, search with it is described each pay square account 1 a pair
The signing gathering channel answered.
6. cashing method according to claim 4, it is characterised in that described using the signing gathering channel gathering, bag
Include：
Gathering transaction request is sent to the signing gathering channel for getting；
Each pays the transaction receipt that square account collects money channel transmission by the signing described in receiving.
7. cashing method according to claim 6, it is characterised in that described to be sent out to the signing for getting gathering channel
Send after gathering transaction request, also include：
Pair with it is described gathering transaction request it is corresponding gathering transaction, cleared；
Wherein, to the corresponding gathering transaction of the gathering transaction request, carrying out clearance includes：
Receive the clearance file that the corresponding clearance access platform of the signing gathering channel sends；
According to the clearance file, the gathering transaction is cleared.
8. the cashing method according to claim 6 or 7, it is characterised in that described to be collected money canal to the signing for getting
Road sends gathering transaction request to be included：
Receive gathering transaction request；
Judge whether the quantity of the gathering transaction request exceedes the gathering trading volume threshold value of the signing gathering channel for pre-setting；
Judged result is yes, then cache the gathering transaction request for receiving；
By the gathering transaction request asynchronous transmission to the signing gathering channel.
9. a kind of channel of collecting money sets up device, it is characterised in that including：
First receiving unit, the CAMEL-Subscription-Information for receiving input；Wherein, the CAMEL-Subscription-Information at least includes paying square account；
First acquisition unit, for according to each pair of square account, obtaining the gathering channel that described each pair square account is supported；
Select unit, for from each pays the gathering channel that square account is supported described in getting, selecting and described each pair
The corresponding gathering channel of contracting of square account；
Unit is set up, for setting up described each pair square account, the association between signing gathering channel and debit's account.
10. it is according to claim 9 to set up device, it is characterised in that described to set up unit, including：
First transmission sub-unit, for sending channel CAMEL-Subscription-Information to the signing gathering channel；Wherein, the channel signing letter
Breath at least includes that described each pair square account pays square corresponding pair of account square name in an account book with each；
First receiving subelement, for receiving approval results of the signing gathering channel to the channel CAMEL-Subscription-Information；
Judgment sub-unit, for judging whether the approval results are qualified；
First sets up subelement, for when the judgment sub-unit judges that the approval results are qualified, setting up described each pair
Association between square account, signing gathering channel and debit's account.
11. according to claim 9 set up device, it is characterised in that described to set up unit, including：
Second receiving subelement, for receiving the channel CAMEL-Subscription-Information that the signing gathering channel sends；Wherein, the channel label
About information at least includes that described each pair square account pays square corresponding pair of account square name in an account book with each；
Second sets up subelement, for the channel CAMEL-Subscription-Information received according to second receiving subelement, sets up described
Each pays the association between square account, signing gathering channel and debit's account.
A kind of 12. checkouts of the gathering channel for setting up device foundation based on described in claim 9 or 10, its feature exists
In, including：
Second receiving unit, the Receiving information for receiving input；Wherein, the Receiving information at least includes debit's account, pays
Square account and collection amount；
Second acquisition unit, for according to the Receiving information, being obtained and the receipts from the signing gathering channel for pre-building
The corresponding signing gathering channel of money information；
Gathering unit, for using the signing gathering channel gathering.
13. checkouts according to claim 12, it is characterised in that the gathering unit, including：
Second transmission sub-unit, for sending gathering transaction request to the signing gathering channel for getting；
Second receiving subelement, for receiving the transaction time that described each pair square account is sent by the signing gathering channel
Hold.
14. checkouts according to claim 13, it is characterised in that also include：
Clearance unit；
The clearance unit, for pair gathering transaction corresponding with the gathering transaction request, is cleared；
Wherein, the clearance unit includes：
3rd receiving subelement, for receiving the clearance file that the corresponding clearance access platform of the signing gathering channel sends；
Clearance subelement, for according to the clearance file, being cleared to the gathering transaction.
15. checkout according to claim 13 or 14, it is characterised in that second transmission sub-unit, including：
Transaction request receiving unit, for receiving gathering transaction request；
Whether threshold decision unit, the quantity for judging the gathering transaction request exceedes the signing for pre-setting gathering channel
Gathering trading volume threshold value；
Memory cell, please for the gathering transaction that when the threshold decision unit judges result is to be, caching is received
Ask；
Asynchronous transmission unit, for by it is described gathering transaction request asynchronous transmission to it is described signing gathering channel.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611265727.8A CN106855975B (en) | 2016-12-30 | 2016-12-30 | Establishment method and device of collection channel and collection method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611265727.8A CN106855975B (en) | 2016-12-30 | 2016-12-30 | Establishment method and device of collection channel and collection method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106855975A true CN106855975A (en) | 2017-06-16 |
| CN106855975B CN106855975B (en) | 2021-02-02 |
Family
ID=59126093
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611265727.8A Active CN106855975B (en) | 2016-12-30 | 2016-12-30 | Establishment method and device of collection channel and collection method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106855975B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108196932A (en) * | 2018-01-31 | 2018-06-22 | 努比亚技术有限公司 | A kind of method for information display, terminal and computer readable storage medium |
| CN109584044A (en) * | 2018-11-07 | 2019-04-05 | 阿里巴巴集团控股有限公司 | A kind of method and device of determining clearance channel |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070027784A1 (en) * | 2005-07-26 | 2007-02-01 | Ip Commerce | Network payment framework |
| CN105046487A (en) * | 2015-04-22 | 2015-11-11 | 上海非码网络科技有限公司 | Multi-channel combined on-line payment method and payment system |
| CN106022742A (en) * | 2016-05-31 | 2016-10-12 | 中国建设银行股份有限公司 | Bank transaction processing method and bank transaction processing device |
| CN106097086A (en) * | 2016-06-07 | 2016-11-09 | 中国建设银行股份有限公司 | Data processing method, device and the system transferred accounts for enterprise |
-
2016
- 2016-12-30 CN CN201611265727.8A patent/CN106855975B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070027784A1 (en) * | 2005-07-26 | 2007-02-01 | Ip Commerce | Network payment framework |
| CN105046487A (en) * | 2015-04-22 | 2015-11-11 | 上海非码网络科技有限公司 | Multi-channel combined on-line payment method and payment system |
| CN106022742A (en) * | 2016-05-31 | 2016-10-12 | 中国建设银行股份有限公司 | Bank transaction processing method and bank transaction processing device |
| CN106097086A (en) * | 2016-06-07 | 2016-11-09 | 中国建设银行股份有限公司 | Data processing method, device and the system transferred accounts for enterprise |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108196932A (en) * | 2018-01-31 | 2018-06-22 | 努比亚技术有限公司 | A kind of method for information display, terminal and computer readable storage medium |
| CN109584044A (en) * | 2018-11-07 | 2019-04-05 | 阿里巴巴集团控股有限公司 | A kind of method and device of determining clearance channel |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106855975B (en) | 2021-02-02 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| RU2620715C2 (en) | System of cash transactions | |
| CN109102299A (en) | Resource transfers data managing method, device and storage medium | |
| US20140297435A1 (en) | Bank card secured payment system and method using real-time communication technology | |
| US20030220884A1 (en) | System and method for financial transactions | |
| JP2007510216A (en) | Linked account settlement system using a shared account | |
| CN101334875A (en) | Method and system for payment in instant mutual bank transfer by mobile phone | |
| SK111297A3 (en) | System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds | |
| CN105096106B (en) | System for paying charges by using internet | |
| JP2017505960A (en) | Remittance system and method | |
| CN101799902A (en) | Binary channel magnetism-free secretive electronic payment system based on voice and Internet and payment method thereof | |
| CN103942880A (en) | A payment method based on biological characteristics | |
| CN103077454A (en) | Synchronous payment system | |
| WO2018189597A1 (en) | Mobile bank account management systems | |
| CN106855975A (en) | A kind of method for building up, device and cashing method, the device of channel of collecting money | |
| CN101540032A (en) | Payment system and method of third-party payment platform based on HVPS system | |
| KR100873363B1 (en) | System and Method for Operating Game Account | |
| KR20030012067A (en) | Method for the proxy execution of international online remittance and payment | |
| CN103198428A (en) | System and method for air depositing and withdrawing of bank | |
| CN111192041B (en) | Resource transfer method and resource transfer device | |
| CN106557920B (en) | Payment system, collection and payment method, anonymous payment client and server | |
| CN106251126A (en) | Traffic all-purpose card move transaction method and system | |
| KR20140021124A (en) | System for nanaging a remitting of non account and controlling method therefor | |
| CN104008479A (en) | Payment system for payment receiving and payment through mobile phones and corresponding method | |
| CN105247549A (en) | Secure payment system and method for bank card by using real-time communication | |
| KR20130020356A (en) | System for processing small payment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |