CN107451801A - A kind of management of differential account system based on banking supervision - Google Patents
A kind of management of differential account system based on banking supervision Download PDFInfo
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- CN107451801A CN107451801A CN201710562744.6A CN201710562744A CN107451801A CN 107451801 A CN107451801 A CN 107451801A CN 201710562744 A CN201710562744 A CN 201710562744A CN 107451801 A CN107451801 A CN 107451801A
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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]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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Abstract
The present invention proposes the management of differential account system based on banking supervision, is related to network payment technical field, including：API module, polymerization payment module, trade processing module, virtual account management module, clearance module and distributed deployment module, the API module is connected with the third-party platform, the distributed deployment module is connected with the bank, the polymerization payment module is connected with channel of disbursement, the polymerization payment module is connected with the trade processing module, the trade processing module is connected with the virtual account management module, and the clearance module is connected with virtual account management module and distributed deployment module.The account of third-party platform by banking supervision, is prevented third-party platform from being diverted to fund, evades the secondary liquidity risk of enterprise by the present invention；Carry out virtually dividing account inside the system, without opening up actually point account account in bank；Can multi-bank distributed deployment, be not limited to one.
Description
Technical field
The present invention relates to network payment technical field, especially a kind of management of differential account system based on banking supervision.
Background technology
Traditional paying in cash frequently encounters the situation of small change, influences cash register speed, it is often necessary to which customer, which is lined up, to be paid, drop
The payment experience of low customer consumption.By POS cCredit card payment, businessman needs to pay higher rate, improves businessman's
Operation cost.Under this background, mobile payment is rapidly developed, the barcode scanning of in the market main flow pay have wechat, Alipay,
QQ wallets, Jingdone district payment etc., support cell phone application gathering, the gathering of PC ends and fixed Quick Response Code to collect money, not only conform with current consumer
Use habit, additionally it is possible to reduce service charge expenditure cost.However, it is desirable to businessman discusses with each channel of disbursement business and bank one by one
Valency, and the fusion between multiple payment systems is more complicated.And there is the account of third-party platform in the fund of client and commercial affairs
In family, the flat risk diverted to fund of third party be present.
The content of the invention
The present invention provides a kind of management of differential account system based on banking supervision, prevents third-party platform from being moved to fund
With evading enterprise two fresh breeze danger.
The present invention specifically adopts the following technical scheme that realization：
A kind of management of differential account system based on banking supervision, as the bridge between third-party platform and bank, for supervising
Pipe third-party platform institute there is any discrepancy gold, prevent being diverted to its user's fund for third-party platform, evade third-party platform
Secondary liquidity risk, including：API module, polymerization payment module, trade processing module, virtual account management module, clearance mould
Block and distributed deployment module, the API module are connected with the third-party platform, the distributed deployment module and the silver
Row connection, the polymerization payment module are connected with channel of disbursement, and the polymerization payment module is connected with the trade processing module,
The trade processing module is connected with the virtual account management module, described to clear module and virtual account management module and divide
Cloth deployment module connects.
Preferably, the API module is directly docked by standard api interface with the third-party platform, described in acquisition
Customer platform account and trade company's platform account on third-party platform.
Preferably, the channel of disbursement includes but is not limited to：Mobile phone or tablet personal computer are paid, web browser is paid and
POS is paid.
Preferably, mobile phone or tablet personal computer pay and included but is not limited to：Wechat is paid, Alipay is paid, Baidu's wallet
Pay, apple is paid.
Preferably, web browser payment is personal Net silver or enterprise's e-Bank payment,
Paid preferably, the POS is paid under a Support Line, mobile phone or the tablet personal computer payment is under Support Line
Pay and paid again on Support Line, the web browser pays and paid on a Support Line.
Preferably, the virtual account management module is respectively customer platform account and the trade company of the third-party platform
Platform account distributes virtual account, sets up client virtual account and trade company's virtual account, and sets up for the third-party platform flat
Platform assures virtual account.
Preferably, the distributed deployment module includes hub, the hub connection disk array, control service
Device and router, the control server are used to apply for financial service, be formatted application material specification and to business
Type is classified, and the data put in order is achieved by the disk array, the router access bank specialty net.
Preferably, the disk array selection circumscribed magnetic disk array cabinet or internal connecting type magnetic disc array card.
Preferably, more banks are formed distributed deployment by the professional net of the router access more banks.
A kind of management of differential account system based on banking supervision provided by the invention, its advantage are：Third-party platform
Account by banking supervision, prevent third-party platform from being diverted to fund, evade the secondary liquidity risk of enterprise；In the system
Inside carries out virtually dividing account, without opening up actually point account account in bank；Can multi-bank distributed deployment, be not limited to one.
Brief description of the drawings
Fig. 1 is the Organization Chart of management of differential account system of the present invention；
Fig. 2 is the system block diagram of distributed deployment module；
Fig. 3 is the business process map of management of differential account system of the present invention.
Embodiment
To further illustrate each embodiment, the present invention is provided with accompanying drawing.These accompanying drawings are the invention discloses the one of content
Point, it can coordinate the associated description of specification to explain the operation principles of embodiment mainly to illustrate embodiment.Coordinate ginseng
These contents are examined, those of ordinary skill in the art will be understood that other possible embodiments and advantages of the present invention.In figure
Component be not necessarily to scale, and similar element numbers are conventionally used to indicate similar component.
In conjunction with the drawings and specific embodiments, the present invention is further described.
As shown in figure 1, this implementation provide a kind of management of differential account system based on banking supervision, as third-party platform with
Bridge between bank, for supervise third-party platform institute there is any discrepancy gold, prevent entering to its user's fund for third-party platform
Row is diverted, and evades the secondary liquidity risk of third-party platform, it includes：API module, polymerization payment module, trade processing module,
Virtual account management module, clearance module and distributed deployment module, the API module are connected with the third-party platform, institute
State distributed deployment module to be connected with the bank, the polymerization payment module is connected with channel of disbursement, and the polymerization pays mould
Block is connected with the trade processing module, and the trade processing module is connected with the virtual account management module, the clearance
Module is connected with virtual account management module and distributed deployment module.
Real name registered client's platform account and trade company's platform account, API moulds are distinguished on third-party platform by client and trade company
Block is directly docked by standard api interface with third-party platform, obtains the accounts information of client and trade company, and accounts information refers to user
Customized user name, the character that user name is combined into by the letter of certain amount, numeral or Chinese character etc., for example, " abc123 "
Deng.
Channel of disbursement includes but is not limited to：Mobile phone or tablet personal computer are paid, web browser is paid and POS is paid, POS
Machine pays and paid under a Support Line, mobile phone or tablet personal computer pay paid comprising wechat, Alipay is paid, Baidu's wallet is paid,
Apple payment etc., i.e., pay under Support Line and paid again on Support Line, it is personal Net silver or enterprise's Net silver branch that web browser, which is paid,
Pay, paid on a Support Line.For user by the corresponding channel of disbursement of user terminal selecting, polymerization payment module fully ensures that can be
Pass through " payment services " of " virtual payment " access " unlimited " of merging in payment interface.It polymerize payment module and trading processing mould
Block connects, and trade processing module, which is sent, pays request, comprising article of consumption, spending amount and user basic information, and to paying
Process is monitored.
Virtual account management module is used for the customer platform account and trade company's platform account for managing third-party platform, passes through
The accounts information that API module obtains, respectively the customer platform account of third-party platform and trade company's platform account distribute virtual account
Family, client virtual account and trade company's virtual account are set up, and set up platform for third-party platform and assure virtual account.Clear mould
Block provide files in batch mode and it is online keep accounts mode in real time, to merchandised caused by client virtual account and trade company's virtual account into
The automatic clearance processing of row.
As shown in Fig. 2 distributed deployment module includes hub, hub connection disk array, control server and road
By device, according to the size of portfolio, may be selected to use circumscribed magnetic disk array cabinet or internal connecting type magnetic disc array card.Control server
For applying for financial service, specification being formatted to application material and type of service is classified, the money that will be put in order
Material is achieved by disk array, and these processing are all that standardization processing, the automatic business processing of early stage are carried out to financial business, are improved
Operating efficiency.Router access bank specialty net, not only to a bank, for different banks, is connected by respective router
The private network of respective bank is connected to, distributed deployment is formed to more banks.
As shown in figure 3, the customer platform account registered in the management of differential account system of the application third-party platform synchronous first
With trade company's platform account, and set up client virtual account, trade company's virtual account and platform guarantee virtual account, pass through polymerization
The mode of payment obtains the fund that client is paid by multiple channel, carries out processing clearance, and fund is passed through into distributed deployment
The platform-specific savings account that virtual account is built up in bank by module with platform synchronizes, and can be to multi-bank distribution portion
Administration, is not limited to one, client can be withdrawn deposit or supplemented with money by the account registered in bank, and trade company can be by registering in bank
Account withdrawn deposit.
Although specifically showing and describing the present invention with reference to preferred embodiment, those skilled in the art should be bright
In vain, do not departing from the spirit and scope of the present invention that appended claims are limited, in the form and details can be right
The present invention makes a variety of changes, and is protection scope of the present invention.
Claims (10)
- A kind of 1. management of differential account system based on banking supervision, as the bridge between third-party platform and bank, for supervising Third-party platform institute there is any discrepancy gold, prevent being diverted to its user's fund for third-party platform, evade third-party platform Secondary liquidity risk, it is characterised in that including：API module, polymerization payment module, trade processing module, virtual account management mould Block, clearance module and distributed deployment module, the API module are connected with the third-party platform, the distributed deployment mould Block is connected with the bank, and the polymerization payment module is connected with channel of disbursement, at the polymerization payment module and the transaction Module connection is managed, the trade processing module is connected with the virtual account management module, the clearance module and virtual account Management module connects with distributed deployment module.
- A kind of 2. management of differential account system based on banking supervision according to claim 1, it is characterised in that：The API moulds Block is directly docked by standard api interface with the third-party platform, obtains the customer platform account on the third-party platform With trade company's platform account.
- A kind of 3. management of differential account system based on banking supervision according to claim 1, it is characterised in that：The payment canal Road includes but is not limited to：Mobile phone or tablet personal computer are paid, web browser is paid and POS is paid.
- A kind of 4. management of differential account system based on banking supervision according to claim 3, it is characterised in that：Mobile phone or flat board Computer, which is paid, to be included but is not limited to：Wechat is paid, Alipay is paid, Baidu's wallet is paid, apple is paid.
- A kind of 5. management of differential account system based on banking supervision according to claim 3, it is characterised in that：Web browser Pay as personal Net silver or enterprise's e-Bank payment.
- A kind of 6. management of differential account system based on banking supervision according to claim any one of 3-5, it is characterised in that：Institute To state and paid under a POS payment Support Line, mobile phone or the tablet personal computer payment is to pay to pay on Support Line again under Support Line, The web browser pays and paid on a Support Line.
- A kind of 7. management of differential account system based on banking supervision according to claim 2, it is characterised in that：The virtual account Family management module is respectively the customer platform account and trade company's platform account distribution virtual account of the third-party platform, sets up visitor Family virtual account and trade company's virtual account, and set up platform for the third-party platform and assure virtual account.
- A kind of 8. management of differential account system based on banking supervision according to claim 1, it is characterised in that：The distribution Deployment module includes hub, hub connection disk array, control server and the router, and the control server is used In application financial service, specification is formatted to application material and type of service is classified, the data that will be put in order Achieved by the disk array, the router access bank specialty net.
- A kind of 9. management of differential account system based on banking supervision according to claim 8, it is characterised in that：The disk battle array Column selection circumscribed magnetic disk array cabinet or internal connecting type magnetic disc array card.
- A kind of 10. management of differential account system based on banking supervision according to claim 8, it is characterised in that：The route Device accesses the professional net of more banks, and distributed deployment is formed to more banks.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710562744.6A CN107451801A (en) | 2017-07-11 | 2017-07-11 | A kind of management of differential account system based on banking supervision |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710562744.6A CN107451801A (en) | 2017-07-11 | 2017-07-11 | A kind of management of differential account system based on banking supervision |
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| Publication Number | Publication Date |
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| CN107451801A true CN107451801A (en) | 2017-12-08 |
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| CN201710562744.6A Pending CN107451801A (en) | 2017-07-11 | 2017-07-11 | A kind of management of differential account system based on banking supervision |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108876359A (en) * | 2018-01-03 | 2018-11-23 | 上海指旺信息科技有限公司 | Stored value card platform based on block chain |
| CN110060142A (en) * | 2019-04-25 | 2019-07-26 | 湖南餐效信息科技有限公司 | Cash register management method and system, terminal and storage medium |
| CN110619510A (en) * | 2019-09-18 | 2019-12-27 | 重庆爱车联信息技术有限公司 | Multi-state combined operation management system and method for gas station |
| CN111260455A (en) * | 2020-01-10 | 2020-06-09 | 湖南大唐先一科技有限公司 | Cause department cash flow control method and system |
| CN112163844A (en) * | 2020-09-16 | 2021-01-01 | 中国建设银行股份有限公司 | Capital supervision method, device, equipment and storage medium |
| CN112330316A (en) * | 2020-11-23 | 2021-02-05 | 上海盛付通电子支付服务有限公司 | Payment service processing method and device and machine-readable storage medium |
| CN113205332A (en) * | 2021-04-24 | 2021-08-03 | 上海赛可出行科技服务有限公司 | Compliant online taxi appointment enterprise recharging supervision model method |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108876359A (en) * | 2018-01-03 | 2018-11-23 | 上海指旺信息科技有限公司 | Stored value card platform based on block chain |
| CN110060142A (en) * | 2019-04-25 | 2019-07-26 | 湖南餐效信息科技有限公司 | Cash register management method and system, terminal and storage medium |
| CN110619510A (en) * | 2019-09-18 | 2019-12-27 | 重庆爱车联信息技术有限公司 | Multi-state combined operation management system and method for gas station |
| CN111260455A (en) * | 2020-01-10 | 2020-06-09 | 湖南大唐先一科技有限公司 | Cause department cash flow control method and system |
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| CN112330316A (en) * | 2020-11-23 | 2021-02-05 | 上海盛付通电子支付服务有限公司 | Payment service processing method and device and machine-readable storage medium |
| CN113205332A (en) * | 2021-04-24 | 2021-08-03 | 上海赛可出行科技服务有限公司 | Compliant online taxi appointment enterprise recharging supervision model method |
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Application publication date: 20171208 |