CN109447607A - A kind of method of commerce and device of unit account - Google Patents
A kind of method of commerce and device of unit account Download PDFInfo
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- CN109447607A CN109447607A CN201811278000.2A CN201811278000A CN109447607A CN 109447607 A CN109447607 A CN 109447607A CN 201811278000 A CN201811278000 A CN 201811278000A CN 109447607 A CN109447607 A CN 109447607A
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- G—PHYSICS
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- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The present embodiments relate to technical field of data processing more particularly to a kind of method of commerce and device of unit account, the convenience of the transaction to improve processing unit account.This method comprises: server receives the first transaction request that the first processing mechanism equipment is sent, it include the account identification of trade unit in first transaction request；The server determines that the payment label of the trade unit, the payment label are corresponding with the account identification according to the account identification of the trade unit；The server sends the second transaction request for carrying the payment label to second processing structural establishment, so that the second processing structural establishment is traded using payment label.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of method of commerce and device of unit account.
Background technique
China is huge to public affairs payment market, and scene is relatively easy, belongs to blue sea market field.It is domestic at present that public affairs are propped up
Service is paid mainly to join at platform and bank-corporate express certainly through the big small amount payment system of Central Bank, super Internetbank, non-banking payment mechanism
Reason, but it is inefficient.As card tissue, Unionpay is based on bank card and provides clients fund clearing, supply chain, agriculture for corporate client
The payment services such as Lin Muyu purchase, but in addition client need to open bank card for account, and formality is cumbersome, and is limited to open channel
The problems such as, it deposits in the bank and is stuck in the problems such as card rate low, living of coverage rate in unit account is not high, corporate client card viscosity is extremely low.
Generally speaking, at this stage for the transaction between the unit account of different bank, treatment effeciency is lower, not enough just
It is prompt.
Summary of the invention
The application provides the method for commerce and device of a kind of unit account, to improve the transaction of processing unit account just
Victory.
A kind of method of commerce of unit account provided in an embodiment of the present invention, comprising:
Server receives the first transaction request that the first processing mechanism equipment is sent, and includes handing in first transaction request
The account identification of easy unit；
The server determines the payment label of the trade unit according to the account identification of the trade unit, described
Payment label is corresponding with the account identification；
The server sends the second transaction request for carrying the payment label to second processing structural establishment, so that institute
Second processing structural establishment is stated to trade using payment label.
In a kind of optional specific embodiment, the server according to the account identification of the trade unit, determine described in
The payment of trade unit marks, comprising:
The server, which determines, does not have the corresponding payment label of the account identification；
The server generates the corresponding payment label of the account identification according to the account identification of the trade unit,
The payment label is corresponded with the account identification.
In a kind of optional specific embodiment, the server is according to the account identification of the trade unit, described in generation
After the corresponding payment label of account identification, further includes:
The server save the account identification and it is described payment label corresponding relationship, and by the account identification with
The corresponding relationship of the payment label is sent to the second processing structural establishment.
The embodiment of the present invention also provides a kind of method of commerce of unit account, comprising:
Processing mechanism equipment receives the second transaction request that the server is sent, and second transaction request carries friendship
The payment label of easy unit, what the payment was determined labeled as the server according to the account identification of the trade unit；
The processing mechanism equipment is marked according to the payment, determines that the payment marks the account of corresponding trade unit
Family；
The processing mechanism equipment executes second transaction request to the account of the trade unit.
A kind of optional specific embodiment, further includes:
The processing mechanism equipment sends the first transaction request to the server, includes handing in first transaction request
The account identification of easy unit, so that account identification of the server according to the trade unit, determines the trade unit
Payment label, the payment label are corresponded with the account identification.
In a kind of optional specific embodiment, the processing mechanism equipment is marked according to the payment, determines the payment
Mark the account of corresponding trade unit, comprising:
The processing mechanism equipment is stored with the corresponding relationship of account identification and payment label, and the corresponding relationship is described
Server is determining and is sent to the processing mechanism equipment；
The processing mechanism equipment is marked according to the corresponding relationship and the payment, determines that the payment label is corresponding
The account of trade unit.
The embodiment of the present invention provides a kind of the transaction device of unit account, comprising:
Receiving unit, for receiving the first transaction request of the first processing mechanism equipment transmission, first transaction request
In include trade unit account identification；
Marking unit determines the payment label of the trade unit, institute for the account identification according to the trade unit
It is corresponding with the account identification to state payment label；
Transmission unit, for sending the second transaction request for carrying the payment label to second processing structural establishment, with
The second processing structural establishment is set to trade using payment label.
In a kind of optional specific embodiment, the marking unit is specifically used for:
Determine there is not the corresponding payment label of the account identification；
According to the account identification of the trade unit, the corresponding payment label of the account identification, the payment mark are generated
Note is corresponded with the account identification.
In a kind of optional specific embodiment, the marking unit is also used to save the account identification and the payment
The corresponding relationship of label；
The transmission unit is also used to the corresponding relationship of the account identification and the payment label being sent to described the
Two processing mechanism equipment.
The embodiment of the present invention also provides a kind of electronic equipment, comprising:
At least one processor；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
A processor executes, so that at least one described processor is able to carry out method as described above.
The embodiment of the present invention also provides a kind of non-transient computer readable storage medium, and the non-transient computer is readable to deposit
Storage media stores computer instruction, and the computer instruction is for making the computer execute method as described above.
In the embodiment of the present invention, server receives the first transaction request that the first processing mechanism equipment is sent, the first transaction
It include the account identification of trade unit in request.Server can determine trade unit according to the account identification of trade unit
Payment label, the payment label are corresponding with account identification.Server is sent to second processing structural establishment carries payment label
The second transaction request, such second processing structural establishment can use the payment label trade.In the embodiment of the present invention,
Server is that the corresponding account identification of trade unit is assigned with payment label, then it is single to can use payment label processing for server
Transaction between the relevant transaction of position account, especially the unit account of processing different bank, will easily incorporate service to public transport
The process range of device can be widely applied to the existing business of server.In addition, for user level, since user is without being directed to
The account of trade unit separately applies for bank card again, can directly initiate to trade to account, i.e. user's unaware, increase user
The convenience for handling unit account, optimizes user experience.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this
For the those of ordinary skill in field, without any creative labor, it can also be obtained according to these attached drawings
His attached drawing.
A kind of schematic diagram for possible system architecture that Fig. 1 is applicable in by the embodiment of the present invention；
Fig. 2 is a kind of flow diagram of the method for commerce of unit account provided in an embodiment of the present invention；
Fig. 3 is the flow diagram of the method for commerce for the unit account that the embodiment of the present invention one provides；
Fig. 4 is the flow diagram of the method for commerce of unit account provided by Embodiment 2 of the present invention；
Fig. 5 is a kind of structural schematic diagram of the transaction device of unit account provided in an embodiment of the present invention；
Fig. 6 is the structural schematic diagram of electronic equipment provided in an embodiment of the present invention.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with attached drawing to the present invention make into
It is described in detail to one step, it is clear that the described embodiments are only some of the embodiments of the present invention, rather than whole implementation
Example.Based on the embodiments of the present invention, obtained by those of ordinary skill in the art without making creative efforts
All other embodiment, shall fall within the protection scope of the present invention.
It is existing that demand: the big small amount payment system of Central Bank and super net mainly is realized by following approach to public payment and settlement
Silver, non-banking payment mechanism join platform, bank-corporate express, card organization unit's debit card certainly.
There are limitations for above-mentioned several implementation methods:
(1) Central Bank's large-amount payment system provides 5*21 hours human windows, and the inter-bank of non-working time pays public affairs
Demand will be split as more to Public Enterprise needs, by the lower Central Bank's small amount payment system of single trading limit and can surpass
Grade Internetbank realization, higher cost, efficiency are lower.
(2) Central Bank be prevention settlement fund risk and breaking under direct-connected regulatory requirements for proposing, non-banking payment mechanism from
The platform service of connection bank will belong to unlawful practice, need to ban.
(3) bank-corporate express channel can only support the payment and settlement of the unit account of colleague, be unable to satisfy inter-bank demand.
(4) for card harpoon to the unit debit card released to public consumer market, card user still gets used to providing
Unit account is not formed and provides user's habit of unit debit card, and unit debit card userbase is small, it is existing not yet to cover
To public user market.
To solve the above-mentioned problems, the embodiment of the invention provides a kind of method of commerce of unit account.This method is fitted
A kind of possible system architecture, as shown in Figure 1, including terminal 101, processing mechanism equipment 102 and server 103.Its
In, terminal 101 can be mobile phone, tablet computer either dedicated handheld device such as POS, and (point of sale, sale is eventually
End) machine, NFC (Near Field Communication, near field communication (NFC)) etc. have the electricity of processing trading function
Sub- equipment is also possible to personal computer (personal computer, abbreviation PC), and laptop, server etc. is other can
With the equipment paid.
Processing mechanism equipment 102 can be the equipment in the mechanism for handling various transaction, such as the server of each banking system,
It can be an independent equipment, be also possible to multiple servers and be formed by server cluster.Preferably, processing mechanism equipment
102 can carry out information processing using cloud computing technology.Server 103 can be an independent equipment, be also possible to multiple
Server is formed by server cluster.Preferably, server 103 can carry out information processing using cloud computing technology.
Server 103 can connect multiple processing mechanism equipment 102, and a processing mechanism equipment 102 can connect multiple
Terminal 101, a terminal 101 can also be connected with multiple processing mechanism equipment 102.
It is unit account distribution branch that the method for commerce of unit account in the embodiment of the present invention, which is based on payment marking technology,
A payment label is paid, enterprise is included in public payment demand to the process range of server by payment label.It is typically answered
Include: with scene
1, payment class business
Bank generates standard two by for unit account applying unit TOKEN (Payment Token, payment label)
It ties up code to show, can be used for mobile phone Internetbank two dimensional code barcode scanning and pay or by classes of paying the bill face-to-face such as the payment of POS barcode scanning, NFC bindings
Application scenarios.For example, can sweep unit TOKEN two dimensional code by POS in supply chain buying payment business and realize unit account branch
Pay buying fund.
2, gathering class business
Unit TOKEN is also widely applied to enterprise to public gathering business, in clients fund account settlement business, acquirer
By keeping accounts transaction to the unit account sponsor unit TOKEN credit of client, 7*24 hours real-time customer funds can be supported to keep accounts,
Efficient capital settlement service is provided.
Fig. 2 illustrates a kind of flow diagram of the method for commerce of unit account provided in an embodiment of the present invention.
Based on foregoing teachings, as shown in Fig. 2, a kind of unit account provided in an embodiment of the present invention realized in server side
Method of commerce, comprising the following steps:
Step 201, server receive the first transaction request that the first processing mechanism equipment is sent, and wrap in the first transaction request
Include the account identification of trade unit；
Step 202, server determine the payment label of trade unit, payment according to the account identification of the trade unit
It marks corresponding with account identification；
Step 203, server send the second transaction request for carrying payment label to second processing structural establishment, so that the
Two processing mechanism equipment utilizations payment label is traded.
In the embodiment of the present invention, server receives the first transaction request that the first processing mechanism equipment is sent, the first transaction
It include the account identification of trade unit in request.Server can determine trade unit according to the account identification of trade unit
Payment label, the payment label are corresponding with account identification.Server is sent to second processing structural establishment carries payment label
The second transaction request, such second processing structural establishment can use the payment label trade.In the embodiment of the present invention,
Server is that the corresponding account identification of trade unit is assigned with payment label, then it is single to can use payment label processing for server
Transaction between the relevant transaction of position account, especially the unit account of processing different bank, will easily incorporate service to public transport
The process range of device can be widely applied to the existing business of server.In addition, for user level, since user is without being directed to
The account of trade unit separately applies for bank card again, can directly initiate to trade to account, i.e. user's unaware, increase user
The convenience for handling unit account, optimizes user experience.
Payment label in the embodiment of the present invention can be and be generated by the account that payment marking technology is trade unit
One unit TOKEN.Unit TOKEN is associated with the unit account of corporate client, is unit based on TOKEN technology
The payment and settlement tool that account generates.Specifically, unit TOKEN can be 13 to 19 bit digitals of one 62 beginning, meet silver
Row card BIN primitive rule, corresponds with unit account.Certainly, unit TOKEN may be other number beginnings such as 3 or 4
Number, perhaps for the character string of a string of English characters composition or be the mixed characters string comprising number and English character, this
Inventive embodiments to the concrete form and particular content of unit TOKEN with no restrictions.It is replaced in transaction using unit TOKEN
Traditional account is changed, to meet the mobile of unit account, without card payment demand.
Payment label in the embodiment of the present invention can be by server according to unit in order to correspond with unit account
The account of account generates a unique number, as the corresponding payment label of the account.Specifically, in above-mentioned steps 201,
Server determines the payment label of trade unit according to the account identification of trade unit, comprising:
The server, which determines, does not have the corresponding payment label of the account identification；
The server generates the corresponding payment label of the account identification according to the account identification of the trade unit,
The payment label is corresponded with the account identification.
In the specific implementation process, after server receives the transaction request that processing mechanism equipment is sent, determine that transaction is asked
The account identification of trade unit is carried in asking, then inquires and whether have the corresponding payment label of account mark.If server
Determine that having had the account identifies corresponding payment label, then server can directly using the payment mark to transaction request into
Row processing.If server determines that not having the account identifies corresponding payment and mark, server is according to the account of the trade unit
Family mark generates corresponding payment label, specifically can be and the unique corresponding long number of the account identification of unit account
Word.
Further, server is gone back after generating the corresponding payment label of account identification according to the account identification of trade unit
Include:
The server save the account identification and it is described payment label corresponding relationship, and by the account identification with
The corresponding relationship of the payment label is sent to the second processing structural establishment.
Specifically, handled after server generates payment label for the ease of the subsequent transaction to the same account,
Account identification and the corresponding relationship of payment label are stored.In this way, when server receives the friendship of the same account again
When easily requesting, without repeating the generating process of payment label, only payment need to can determine according to account identification lookup corresponding relationship
Label.Meanwhile the corresponding relationship of account identification and payment label is also sent to second processing structural establishment by server.It can make
Second processing structural establishment stores account identification and the corresponding relationship of payment label.In this way, server and second processing
Substitution account is marked using the payment between structure, carrys out unique identification unit account.
Corresponding to processing mechanism side, the method for commerce of the unit account in the embodiment of the present invention, comprising:
Processing mechanism equipment receives the second transaction request that server is sent, and the second transaction request carries trade unit
Payment label, payment are determined labeled as server according to the account identification of trade unit；
Processing mechanism equipment is marked according to payment, determines that payment marks the account of corresponding trade unit；
Processing mechanism equipment executes the second transaction request to the account of trade unit.
For processing mechanism, processing mechanism equipment can be according to the payment carried in the second transaction request received
Label, determine second transaction request be to public transport it is easy, i.e., it is related to unit account.In this way, processing mechanism is according to processing to public affairs
The mode of transaction handles the second transaction request, the account for determining trade unit is marked according to payment, thus to the account of trade unit
Family executes the second transaction request.
Processing mechanism equipment actively can request payment label to server, can also send general transaction to server
Request is determined as trade unit by server and produces corresponding payment label.
In the embodiment of the present invention, further includes:
The processing mechanism equipment sends the first transaction request to the server, includes handing in first transaction request
The account identification of easy unit, so that account identification of the server according to the trade unit, determines the trade unit
Payment label, the payment label are corresponded with the account identification.
Here, the processing mechanism equipment for sending the first transaction request is set with the processing mechanism for receiving the request of the second trading processing
It is standby to can be the same processing mechanism equipment, it is also possible to different processing structure equipment.When the two is same processor
It is that processing mechanism is actively requested to server when structure equipment, request server is that unit account determines unique payment label, just
Payment label processing transaction task is utilized in the processing mechanism.When the two is different disposal mechanism equipment, processing mechanism is to clothes
When device the first transaction request of transmission of being engaged in, which is common transaction request, that is, does not include the correlation of payment label
Content.Server determines payment label according to the first transaction request, so that the process range that will easily be included in server to public transport, increases
Server is added to carry out the range of trading processing.
The processing mechanism equipment is marked according to the payment, determines that the payment marks the account of corresponding trade unit
Family, comprising:
The processing mechanism equipment is stored with the corresponding relationship of account identification and payment label, and the corresponding relationship is described
Server is determining and is sent to the processing mechanism equipment；
The processing mechanism equipment is marked according to the corresponding relationship and the payment, determines that the payment label is corresponding
The account of trade unit.
In the specific implementation process, it can store corresponding pass of the account identification with payment label in processing mechanism equipment
System, the corresponding relationship are that server is sent to processing mechanism equipment.In this way, server can be sent to processing mechanism equipment later
Payment label, processing mechanism equipment determine that payment marks corresponding account identification by searching for the data of storage.
For a clearer understanding of the present invention, above-mentioned process is described in detail with specific embodiment below, embodiment
In one, payer terminal is connected with the first processing mechanism equipment, and beneficiary terminal is connected with second processing structural establishment, at first
Reason structural establishment and second processing structural establishment are connected with Unionpay server.Wherein, the first processing mechanism equipment is in A bank
Server, second processing structural establishment be B bank in server.
Specific steps are as shown in Figure 3, comprising:
Step 301: payer terminal initiates payment (or transferring accounts) transaction request to the first processing mechanism equipment, which asks
The account of beneficiary unit account is contained in asking.
Step 302: payment transaction request is sent to Unionpay's server by the first processing mechanism equipment.
Step 303: Unionpay's server inquires whether be stored with unit TOKEN according to the account of beneficiary unit, if so,
Then follow the steps 307, it is no to then follow the steps 304.
Step 304: Unionpay's server generates beneficiary unit TOKEN according to the account of beneficiary unit, and by account with
The corresponding relationship of TOKEN is saved.
Step 305: after Unionpay's server generates beneficiary unit TOKEN, setting up the transaction report of unit TOKEN credit first
Text, and the first transaction message is sent to second processing structural establishment.Wherein the first transaction message includes that content is as follows:
(1) unit TOKEN received is filled in primary account number domain；
(2) account owner type identification (domain 60.2.1) extends this as " 3- unit TOKEN "；
(3) auxiliary verification information, including the registration of name on account, account, business license are filled in beneficiary information (104 domain)
Number (or unified social credibility code).
Step 306: after second processing structural establishment receives the first transaction message, identification " account owner type " is
" 3- unit TOKEN " reads beneficiary information, and saves the corresponding relationship of unit TOKEN Yu beneficiary information.
Step 307: by unit TOKEN account verification by keeping accounts in real time for the beneficiary account credit afterwards.It executes later
Step 3010.
Step 308: Unionpay's server sets up the second transaction message of unit TOKEN credit according to unit TOKEN, and by the
Two transaction messages are sent to second processing structural establishment.Include wherein primary account number domain in the second transaction message, fills in the list received
Position TOKEN.
Step 309: after second processing structural establishment receives the second transaction message, identification " account owner type " is
" 3- unit TOKEN ", inquires beneficiary information from the data of storage, keeps accounts for the beneficiary account credit.
Step 310: second processing structural establishment notice beneficiary terminal keeps accounts information.
Embodiment two is processing mechanism equipment active applying unit TOKEN, and unit TOKEN and application APP are bound,
Payment demand is directly initiated with TOKEN (or two dimensional code based on TOKEN) when payment, the application that can be initiated for corporate client,
It may be corporate client unaware.Below by taking corporate client application is to public two dimensional code as an example, specific steps are as shown in figure 4, packet
It includes:
Step 401: corporate client initiates binding account and application pair on client (cellphone enterprise Internetbank or trade company APP)
The application of public two dimensional code is requested, and includes the account of the corporate client in application request.
Step 402: processing mechanism initiates application request to Unionpay's server, to apply for two dimensional code, wraps in this application request
Include the account of the corporate client.
Step 403: Unionpay's server is inquired according to the account of corporate client, such as finds corresponding unit TOKEN, then
Directly execute step 405；It such as can not find out unit TOKEN, then follow the steps 404.
Step 404: Unionpay's server is that the account of the corporate client generates standard unit, Unionpay TOKEN, and is saved.
Step 405: Unionpay's server generates Unionpay's standard two-dimensional code according to unit TOKEN.
Step 406: two dimensional code is returned to processing mechanism equipment by Unionpay's server.
Step 407: two dimensional code is sent to client by processing mechanism equipment.
Step 408: client is shown to corporate client.
Corporate client can carry out the business such as consumption, the payment of face-to-face enterprise in Unionpay's network by two dimensional code.
The embodiment of the invention also provides a kind of the transaction devices of unit account, as shown in Figure 5, comprising:
Receiving unit 501, for receiving the first transaction request of the first processing mechanism equipment transmission, first transaction is asked
It include the account identification of trade unit in asking；
Marking unit 502 determines the payment mark of the trade unit for the account identification according to the trade unit
Note, the payment label are corresponding with the account identification；
Transmission unit 503, for sending the second transaction request for carrying the payment label to second processing structural establishment,
So that the second processing structural establishment is traded using payment label.
Further, the marking unit 502, is specifically used for:
Determine there is not the corresponding payment label of the account identification；
According to the account identification of the trade unit, the corresponding payment label of the account identification, the payment mark are generated
Note is corresponded with the account identification.
Further, the marking unit 502 is also used to save the corresponding pass of the account identification with the payment label
System；
The transmission unit 503 is also used to the corresponding relationship of the account identification and the payment label being sent to institute
State second processing structural establishment.
Here, Unionpay's server is only used as embodiment to illustrate, not limited to this, the server of remaining card tissue can also be replaced
It changes.
Based on identical principle, the present invention also provides a kind of electronic equipment, as shown in Figure 6, comprising:
Including processor 601, memory 602, transceiver 603, bus interface 604, wherein processor 601, memory 602
It is connect between transceiver 603 by bus interface 604；
The processor 601 executes following method for reading the program in the memory 602:
The first transaction request of the first processing mechanism equipment transmission is received, includes trade unit in first transaction request
Account identification；
According to the account identification of the trade unit, determine the payment label of the trade unit, the payment label and
The account identification is corresponding；
The second transaction request for carrying the payment label is sent to second processing structural establishment, so that the second processing
Structural establishment is traded using payment label.
Further, the processor 601 is specifically used for:
Determine there is not the corresponding payment label of the account identification；
According to the account identification of the trade unit, the corresponding payment label of the account identification is generated.
Further, the processor 601 is specifically used for:
The corresponding relationship of the account identification and the payment label is saved, and the account identification and the payment are marked
The corresponding relationship of note is sent to the second processing structural establishment.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the invention is also intended to include including these modification and variations.
Claims (11)
1. a kind of method of commerce of unit account characterized by comprising
Server receives the first transaction request that the first processing mechanism equipment is sent, and includes trading card in first transaction request
The account identification of position；
The server determines the payment label of the trade unit, the payment according to the account identification of the trade unit
It marks corresponding with the account identification；
The server sends the second transaction request for carrying the payment label to second processing structural establishment, so that described the
Payment label described in two processing mechanism equipment utilizations is traded.
2. the method as described in claim 1, which is characterized in that the server according to the account identification of the trade unit,
Determine the payment label of the trade unit, comprising:
The server, which determines, does not have the corresponding payment label of the account identification；
The server generates the corresponding payment label of the account identification according to the account identification of the trade unit, described
Payment label is corresponded with the account identification.
3. method according to claim 2, which is characterized in that the server according to the account identification of the trade unit,
After generating the account identification corresponding payment label, further includes:
The server save the account identification and it is described payment label corresponding relationship, and by the account identification with it is described
The corresponding relationship of payment label is sent to the second processing structural establishment.
4. a kind of method of commerce of unit account characterized by comprising
Processing mechanism equipment receives the second transaction request that the server is sent, and second transaction request carries trading card
The payment label of position, what the payment was determined labeled as the server according to the account identification of the trade unit；
The processing mechanism equipment is marked according to the payment, determines that the payment marks the account of corresponding trade unit；
The processing mechanism equipment executes second transaction request to the account of the trade unit.
5. method as claimed in claim 4, which is characterized in that further include:
The processing mechanism equipment sends the first transaction request to the server, includes trading card in first transaction request
The account identification of position, so that account identification of the server according to the trade unit, determines the payment of the trade unit
Label, the payment label are corresponded with the account identification.
6. method as claimed in claim 4, which is characterized in that the processing mechanism equipment is marked according to the payment, is determined
The payment marks the account of corresponding trade unit, comprising:
The processing mechanism equipment is stored with the corresponding relationship of account identification and payment label, and the corresponding relationship is the service
Device is determining and is sent to the processing mechanism equipment；
The processing mechanism equipment is marked according to the corresponding relationship and the payment, determines that the payment marks corresponding transaction
The account of unit.
7. a kind of the transaction device of unit account characterized by comprising
Receiving unit wraps in first transaction request for receiving the first transaction request of the first processing mechanism equipment transmission
Include the account identification of trade unit；
Marking unit determines the payment label of the trade unit, the branch for the account identification according to the trade unit
It is corresponding with the account identification to pay label；
Transmission unit, for sending the second transaction request for carrying the payment label to second processing structural establishment, so that institute
Second processing structural establishment is stated to trade using payment label.
8. device as claimed in claim 7, which is characterized in that the marking unit is specifically used for:
Determine there is not the corresponding payment label of the account identification；
According to the account identification of the trade unit, generate the corresponding payment label of the account identification, the payment label and
The account identification corresponds.
9. device as claimed in claim 7, which is characterized in that
The marking unit is also used to save the corresponding relationship of the account identification and the payment label；
The transmission unit is also used to for the corresponding relationship of the account identification and the payment label being sent at described second
Manage structural establishment.
10. a kind of electronic equipment characterized by comprising
At least one processor；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
It manages device to execute, so that at least one described processor is able to carry out any method of claim 1-3.
11. a kind of non-transient computer readable storage medium, which is characterized in that the non-transient computer readable storage medium is deposited
Computer instruction is stored up, the computer instruction is for making the computer perform claim require 1~3 any the method.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811278000.2A CN109447607B (en) | 2018-10-30 | 2018-10-30 | Transaction method and device for unit account |
| PCT/CN2019/108721 WO2020088175A1 (en) | 2018-10-30 | 2019-09-27 | Transaction method and device for business account |
| TW108136008A TWI786333B (en) | 2018-10-30 | 2019-10-04 | Transaction method and device for unit account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811278000.2A CN109447607B (en) | 2018-10-30 | 2018-10-30 | Transaction method and device for unit account |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109447607A true CN109447607A (en) | 2019-03-08 |
| CN109447607B CN109447607B (en) | 2021-09-21 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811278000.2A Active CN109447607B (en) | 2018-10-30 | 2018-10-30 | Transaction method and device for unit account |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN109447607B (en) |
| TW (1) | TWI786333B (en) |
| WO (1) | WO2020088175A1 (en) |
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| WO2020088175A1 (en) * | 2018-10-30 | 2020-05-07 | ***股份有限公司 | Transaction method and device for business account |
| CN111275431A (en) * | 2020-01-22 | 2020-06-12 | 维沃移动通信有限公司 | Transaction method and target electronic equipment |
| CN112184210A (en) * | 2020-09-08 | 2021-01-05 | ***股份有限公司 | Cross-network transaction method, system and computer readable storage medium |
| TWI831578B (en) * | 2023-01-17 | 2024-02-01 | 臺灣中小企業銀行股份有限公司 | System for preventing and verifying financial transactions during non-business hour and method thereof |
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| CN112561672A (en) * | 2020-12-04 | 2021-03-26 | 京东数字科技控股股份有限公司 | Accounting data processing system, method, device, equipment and computer readable medium |
| CN114169880A (en) * | 2021-11-29 | 2022-03-11 | 沈阳泉安科技有限公司 | Off-line non-inductive payment method, system, equipment and storage medium |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2020088175A1 (en) | 2020-05-07 |
| TWI786333B (en) | 2022-12-11 |
| CN109447607B (en) | 2021-09-21 |
| TW202016829A (en) | 2020-05-01 |
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