CN115170101A

CN115170101A - Bill payment processing method, device and system

Info

Publication number: CN115170101A
Application number: CN202210782032.6A
Authority: CN
Inventors: 王俐之
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-07-04
Filing date: 2022-07-04
Publication date: 2022-10-11

Abstract

The invention provides a bill payment processing method, device and system, which can be used in the financial field or other fields. The method comprises the following steps: acquiring a bill payment request, a real payment request and a bill receiving request sent by a merchant platform; determining bill payee information according to the bill payment request, and taking the bill payee information as bill endorsement information; and carrying out bill endorsement transfer processing according to the actual payment request and the bill endorsement information, and carrying out bill receiving processing according to the bill receiving request. The invention realizes the splittability of the bill, integrates the bill payment processing and the supply chain, acquires more transaction information, realizes the integration of payment and financing, improves the convenience of bill payment and the flexibility of bill use, not only meets the payment settlement requirements of supply chain related enterprises, but also correspondingly lowers the capital cost, fully exerts the 'long tail' effect and improves the payment safety and the bill processing efficiency.

Description

Bill payment processing method, device and system

Technical Field

The invention relates to the technical field of bill processing, in particular to a bill payment processing method, device and system.

Background

Inter-enterprise trading often involves large amounts of funds and account periods, resulting in some turn-around pressure on the enterprise's payee funds. Along with the continuous dilatation of purchase transaction scale on the E-commerce platform, the problem of relying on single cash payment settlement in the past, the business gradually leaks out: on one hand, the purchase operation mode of supplying goods and paying money by a provider leads to long transaction account period and slow money return of the platform provider; on the other hand, the bill to be received of the platform purchasing party needs to be changed to pay, so that the financing cost of the client is greatly increased. The bill payment can solve the problems that the account period information of a buyer and a supplier of an e-commerce platform is asymmetric, the online payment safety is difficult to control, and the bill management cost is high.

At present, the traditional enterprise internet bank's B2B payment and electronic draft are two independent functions. The B2B payment mainly occurs in an enterprise purchasing scene, and a bank participates in an order payment process of real transaction between enterprises, so that data such as order transaction information between enterprises can be obtained. The common B2B payment methods mainly include three types, namely bank remittance, payment through a third party payment account, and payment through a bank gateway. The common characteristic of the three modes is that cash payment in a public account is used, and cash flow of an enterprise is occupied.

The electronic draft is that the drawer uses the existing deposit list or other mortgage in the bank, and takes a certain amount of credit lines in the bank, and the credit lines take the electronic draft as the carrier, because of higher legal effect and bank acceptance, the electronic draft can be well circulated between the enterprises, and the drawer can also apply for the cash to obtain the financing. The payment of the common electronic bill is lack of linkage with a merchant transaction platform, and a bank is lack of real trade background and order information of a customer.

In frequent business transactions of an enterprise, if an enterprise customer does not want to occupy cash flow of the enterprise and wants to purchase other commodities, the common operation of the enterprise customer may be to apply for cash on an electronic draft held by the enterprise customer, and after cash is redeemed and cash is paid out, order placing and purchasing of a merchant platform are carried out in a B2B payment mode, so that the operation flow is complex and the waiting period is long.

In addition, the existing B2B payment and electronic draft are divided into two independent functions, an enterprise client needs to simultaneously open two services of enterprise online bank B2B payment and electronic draft, firstly logs in the enterprise online bank electronic draft service to receive the draft and applies for discount, and funds arrive at an associated account of the bill after the discount passes; and then, the platform of the commercial tenant finishes the purchase, and logs in the payment service selection account of the enterprise Internet bank B2B for payment. For the client, the operation flow is complex and the waiting time is long, and the bill which is receivable by the platform buyer can be paid only by changing the bill, thereby greatly increasing the financing cost of the client; for banks, the fund flow and the information flow are not integrated, and the respective divisions cannot be managed in a unified way, so that the method is not beneficial to accurately processing the big data of customers.

Disclosure of Invention

Aiming at the problems in the prior art, the embodiments of the present invention mainly aim to provide a bill payment processing method and apparatus, which improve the payment security and the bill processing efficiency.

In order to achieve the above object, an embodiment of the present invention provides a bill payment processing method, where the method includes:

acquiring a bill payment request, a real payment request and a bill receiving request sent by a merchant platform;

determining the information of a bill collector according to the bill payment request, and taking the information of the bill collector as the endorsement information of the bill;

and carrying out bill endorsement transfer processing according to the actual payment request and the bill endorsement information, and carrying out bill receiving processing according to the bill receiving request.

Optionally, in an embodiment of the present invention, the method further includes:

acquiring a bill query request sent by a merchant platform;

and determining the signed account holding bill according to the bill query request and the corresponding signed account information.

Optionally, in an embodiment of the present invention, the method further includes: and acquiring a bill checking request sent by the merchant platform, and sending the bill checking request to the electronic bill exchange module for bill checking processing.

The embodiment of the invention also provides a bill payment processing device, which comprises:

the request acquisition module is used for acquiring a bill payment request, an actual payment request and a bill receiving request sent by the merchant platform;

the bill endorsement module is used for determining bill payee information according to the bill payment request and taking the bill payee information as bill endorsement information;

and the bill processing module is used for carrying out bill endorsement transfer processing according to the actual payment request and the bill endorsement information and carrying out bill receiving processing according to the bill receiving request.

Optionally, in an embodiment of the present invention, the apparatus further includes:

the bill query module is used for acquiring a bill query request sent by the merchant platform;

and the bill holding module is used for determining the bill held by the signing account according to the bill query request and the corresponding signing account information.

Optionally, in an embodiment of the present invention, the apparatus further includes: and the bill checking module is used for acquiring the bill checking request sent by the merchant platform and sending the bill checking request to the electronic bill collecting module for bill checking processing.

The embodiment of the invention also provides a bill payment processing system, which comprises: the system comprises an open bank access module and a payment service processing module;

the open bank access module is used for receiving a bill payment request, an actual payment request and a bill receiving request sent by the merchant platform;

the payment service processing module acquires the bill payment request, the real payment request and the bill receiving request from the open bank access module; determining bill payee information according to the bill payment request, and taking the bill payee information as bill endorsement information; and carrying out bill endorsement transfer processing according to the actual payment request and the bill endorsement information, and carrying out bill receiving processing according to the bill receiving request.

Optionally, in an embodiment of the present invention, the open bank access module is further configured to receive a bill query request and a bill checking request sent by the merchant platform.

Optionally, in an embodiment of the present invention, the payment service processing module is further configured to obtain a bill query request from the open bank access module; and determining the signed account holding bill according to the bill query request and the corresponding signed account information.

Optionally, in an embodiment of the present invention, the payment transaction processing module is further configured to obtain a bill checking request from the open bank access module.

Optionally, in an embodiment of the present invention, the system further includes: and the electronic draft module is used for receiving the bill checking request sent by the payment service processing module and carrying out bill checking processing according to the bill checking request.

The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the program.

The present invention also provides a computer-readable storage medium storing a computer program for executing the above method.

The bill payment system realizes the splittability of the bill, integrates the bill payment processing, the supply chain and the like, acquires more transaction information, realizes the integration of payment and financing, improves the convenience of bill payment and the flexibility of bill use, not only meets the payment settlement requirements of supply chain associated enterprises, but also correspondingly lowers the capital cost, fully exerts the 'long tail' effect and improves the payment safety and the bill processing efficiency.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.

FIG. 1 is a flow chart of a bill payment processing method according to an embodiment of the present invention;

FIG. 2 is a flow chart of a ticket lookup in an embodiment of the invention;

FIG. 3 is a schematic structural diagram of a bill payment processing system according to an embodiment of the present invention;

FIG. 4 is a flow chart of processing by the bill payment processing system in an embodiment of the invention;

FIG. 5 is a schematic structural diagram of a bill payment processing apparatus according to an embodiment of the present invention;

FIG. 6 is a schematic diagram of a bill payment processing device according to another embodiment of the present invention;

FIG. 7 is a schematic diagram of a bill payment processing apparatus according to yet another embodiment of the present invention;

fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

The embodiment of the invention provides a bill payment processing method, device and system, which can be used in the financial field and other fields.

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without inventive step based on the embodiments of the present invention, are within the scope of protection of the present invention.

Fig. 1 is a flowchart of a bill payment processing method according to an embodiment of the present invention, where an execution subject of the bill payment processing method provided by the embodiment of the present invention includes, but is not limited to, a computer. The invention realizes the splittability of the bill, integrates the bill payment processing and the supply chain, acquires more transaction information, realizes the integration of payment and financing, improves the convenience of bill payment and the flexibility of bill use, not only meets the payment settlement requirements of supply chain related enterprises, but also correspondingly lowers the capital cost, fully exerts the 'long tail' effect and improves the payment safety and the bill processing efficiency. The method shown in fig. 1 comprises:

s1, acquiring a bill payment request, an actual payment request and a bill receiving request sent by a merchant platform;

s2, determining bill payee information according to the bill payment request, and taking the bill payee information as bill endorsement information;

and S3, carrying out bill endorsement transfer processing according to the actual payment request and the bill endorsement information, and carrying out bill receiving processing according to the bill receiving request.

The merchant platform is used for the merchant to send various requests including a bill payment request, an actual payment request and a bill receiving request and obtain various requests received by the merchant platform.

Further, extracting relevant information in the bill payment request, including information of a bill payee, and using the information of the bill payee as information of a bill endorsement, specifically, the payee who can set the order can be the information of the endorsee of the bill endorsement.

Further, according to the real payment request, the bill endorsement information is used for bill endorsement transfer processing, specifically, for example, an electronic bank accepts the draft, after the real payment request sent by a merchant is received, the bill endorsement information is sent to an electronic draft module, and the electronic bank accepting the draft which is frozen in advance is endorsed to a supplier, so that the bill endorsement transfer processing is completed.

Furthermore, a merchant platform is used for receiving a bill receiving request sent by a merchant, and the bill receiving request is sent to the electronic draft module, so that the bill receiving processing is completed.

As an embodiment of the present invention, as shown in fig. 2, the method further includes:

step S21, acquiring a bill query request sent by a merchant platform;

and S22, determining the bill held by the signed account according to the bill inquiry request and the corresponding signed account information.

The method includes the steps that a merchant platform is used for receiving a bill query request sent by a merchant, and the information of a signed account corresponding to the merchant, such as the signed account, can be determined. And searching by using the signing account information, and inquiring to obtain a corresponding signing account holding bill. Specifically, the inquired signed account holding tickets are displayed in a holding ticket list mode.

As an embodiment of the invention, the method further comprises: and acquiring a bill checking request sent by the merchant platform, and sending the bill checking request to the electronic draft module for bill checking processing.

The method comprises the steps of utilizing a merchant platform to receive a bill checking request sent by a merchant, sending the bill checking request to an electronic bill module, carrying out bill checking processing by the electronic bill module, and returning an obtained checking result to the merchant.

Furthermore, the invention is based on B2B payment, and the B2B payment is used as an online payment tool for inter-enterprise trade, thereby providing a financing function in a payment link, improving the inter-enterprise trade efficiency and being an important direction for the construction of B2B payment products of enterprises. The bill market is an important place for financing of small and medium-sized enterprises, the bill exchange is actively exploring the innovation of bill products, and the bill payment business supports online bill payment of the enterprises, so that the trust problem of bill payment is solved, and the convenience of bill payment is improved. Bill payment to business customers: firstly, the transaction flow time is saved, the user does not need to wait until the current bill is attached to the cash and then can make order purchase, and the user experience is improved; secondly, a newly-added electronic bill payment tool is paid to the enterprise B2B, so that a deferred payment function is realized, and the financing cost is effectively reduced; thirdly, close combination of bill settlement and transaction flow is realized, transaction risk is effectively prevented and controlled, and the integration of fund flow and information flow is realized. The payment settlement mode taking the bill as the carrier is convenient, safe, efficient in financing and low in cost, and is gradually widely accepted by various industries. The enterprise B2B bill payment is a payment and financing integrated product based on bill payment, is a credit tool which can be used in an online B2B transaction scene, and is a bank card which is to be printed to form online account payment of an enterprise, so that the willingness of the enterprise to use the bill payment is stimulated, the efficiency of an industrial chain is optimized, and the blank of the credit payment tool among enterprises is filled.

The invention takes the bill as one of the payment media of the B2B payment, and successfully integrates the B2B payment and the electronic commercial draft, thereby facilitating the deep participation of banks in the production operation process of enterprises, acquiring more transaction information and the like, realizing the integration of payment and financing, meeting the payment settlement requirements of supply chain associated enterprises, providing short-term financing cash flow for small and micro enterprises, correspondingly reducing the capital cost and fully playing the 'long tail' effect. Fig. 3 is a schematic structural diagram of a bill payment processing system according to an embodiment of the present invention, where the system includes: an open bank access module 101 and a payment service processing module 102;

the open bank access module 101 is used for receiving a bill payment request, an actual payment request and a bill receiving request sent by a merchant platform;

the payment service processing module 102 obtains a bill payment request, an actual payment request and a bill receiving request from the open bank access module 101; determining bill payee information according to the bill payment request, and taking the bill payee information as bill endorsement information; and carrying out bill endorsement transfer processing according to the actual payment request and the bill endorsement information, and carrying out bill receiving processing according to the bill receiving request.

As an embodiment of the present invention, the open bank access module 101 is further configured to receive a bill query request and a bill verification request sent by the merchant platform.

In this embodiment, the payment transaction processing module 102 is further configured to obtain a bill query request from the open bank access module 101; and determining the signed account holding bill according to the bill query request and the corresponding signed account information.

In this embodiment, the payment transaction processing module 102 is further configured to obtain a bill checking request from the open bank access module 101.

In this embodiment, the system further includes: and the electronic draft module 103 is configured to receive the bill checking request sent by the payment service processing module 102, and perform bill checking processing according to the bill checking request.

Further, relevant information in the bill payment request is extracted, wherein the relevant information comprises information of a bill payee, the information of the bill payee is used as information of a bill endorsement, and particularly, the payee of the order can be set as information of a bookee carrying the bill endorsement.

Further, a merchant platform is used for receiving a bill receiving request sent by a merchant, and the bill receiving request is sent to the electronic draft module, so that bill receiving processing is completed.

In addition, a merchant platform is used for receiving a bill checking request sent by a merchant, the bill checking request is sent to the electronic draft module, the electronic draft module is used for checking and processing the bill, and an obtained checking result is returned to the merchant.

In one embodiment of the present invention, the modules of the system are described as follows: the open bank access module is responsible for accessing a third-party merchant platform to complete functions of three-party protocol signing of merchants, the platform, the open bank and the like; the payment service processing module: the system is in charge of processing a core business process of the bill payment of the B2B, recording and storing order information, and finishing the operations of inquiry, endorsement, locking and the like of the electronic draft system in an interactive way; the electronic draft module: the system is responsible for communicating with a bank ticket exchange station, and processing main business processes such as electronic ticket inquiry, endorsement, receiving and the like.

The open bank access module completes the butt joint with the merchant platform, which is a preparation step of the whole process, and needs to complete the work of message conversion, protocol signing, certificate management and the like of the third party platform and the bank system.

Furthermore, the electronic draft is used as a payment tool for the B2B payment of the enterprise, the business processes of the electronic draft and the B2B payment are integrated, a business processing module is required to be used for processing the management of the order in a bank system and the circulation of the bill used for order payment, and the relation between the order and the bill is established.

In addition, the electronic draft indicates that the voter relies on the electronic commercial draft system, and the draft system is manufactured in a data message form, and the bill which is accepted by the accepting party and then unconditionally pays the determined amount to the payee or the ticket holder on the appointed date. Electronic draft is generally divided into electronic commercial draft and electronic bank draft according to different accepting parties. B2B payments generally refer to business models between businesses that exchange products, services, and information over the internet. The B2B online payment refers to online payment intermediary service provided by a bank or non-bank payment mechanism for enterprise buyers and enterprise sellers, and the value is to improve the receiving and paying efficiency of transaction funds among enterprises.

In this embodiment, based on the real trade background of the platform and the requirements of the buyer and the provider, the buyer and the provider on the platform settle the payment by using the bill, on the same day as the delivery of the provider, the buyer freezes the electronic bank acceptance draft in the enterprise online bank on the platform, which is in accordance with the supply amount, and locks the endorsement of the bill as the provider, so that the provider can see the payment information to be received in the future at the first time, and the worry of the provider after the payment is resolved; the goods are checked by the purchasing party after delivery, and a payment instruction is sent out on the platform immediately after the goods pass the check, and the frozen electronic bank acceptance draft is endorsed to the supplier. The system work flow chart shown in fig. 4 specifically includes:

1) The open bank access module completes the butt joint with the merchant platform, maintains the three-party protocol relationship of the merchant, the platform and the bank, signs the bank account and the like.

2) The payment service processing module receives a request for inquiring the held bill from a merchant platform (a buyer) through the open bank access module, and inquires a held bill list under the name of a client according to an electronic draft system of a client signed account.

3) The payment business processing module receives a bill submitted by a merchant platform (a buyer) through the open bank access module to carry out order payment request, sends an electronic draft system module to lock the bill (the state of the bill cannot be received by other people), and sets the payee of the order as the endorsee information of the bill.

4) The payment service processing module receives a request for checking the bill to be received submitted by a merchant platform (supplier) through the open bank access module, and sends the electronic draft system module to bill the merchant for checking the bill to be received (the supplier can safely deliver the bill after checking is correct).

5) The payment service processing module receives a real payment request submitted by a merchant platform (a buyer) through the open bank access module, sends an electronic draft system module bill endorsement request, and submits the electronic bank acceptance bill endorsement which is frozen before to a supplier.

6) The payment business processing module receives a bill receiving request of a merchant platform (supplier) through the open bank access module, and the payment business processing module sends the electronic draft system module to complete bill receiving operation.

The invention realizes the splittability of the bills according to the equally divided bills to be popularized by the bill exchange, organically integrates the bill settlement, the supply chain and the B2B payment, improves the convenience of the bill settlement, greatly improves the flexibility of the bill use and further accelerates the capital turnover of enterprises. The platform transaction between enterprises is added with an innovative payment means, three combinations of information flow, logistics and fund flow are realized, the problem of payment of a platform supply chain of an e-commerce is solved by bills, the traditional bill service is perfectly integrated with the emerging Internet industry, and the development of civil and private enterprises is assisted.

Further, for a core enterprise or e-commerce platform: the electronic bill payment tool is newly added to realize the deferred payment function, so that the popularization and application of the platform are facilitated; secondly, close combination of bill settlement and transaction flow is realized, and transaction risks are effectively prevented and controlled; thirdly, the integration of the fund flow and the information flow is realized. For the visiting and visiting customer or member unit: firstly, the payment is directly carried out through the platform, so that the user experience is improved; 2. the financing cost is effectively reduced through the deferred payment function of the electronic bill. For the bank: firstly, embedding a product into a client transaction scene to deepen the cooperative relationship with a core enterprise and an e-commerce platform; secondly, the system is cooperated with core enterprises and e-commerce platforms to quickly realize the mass customer acquisition; and thirdly, the client transaction information is directly acquired in a system direct connection mode, and the trade background examination efficiency is improved.

The invention realizes the splittability of the bill, integrates the bill payment processing and the supply chain, acquires more transaction information, realizes the integration of payment and financing, improves the convenience of bill payment and the flexibility of bill use, not only meets the payment settlement requirements of supply chain related enterprises, but also correspondingly lowers the capital cost, fully exerts the 'long tail' effect and improves the payment safety and the bill processing efficiency.

Fig. 5 is a schematic structural diagram of a bill payment processing apparatus according to an embodiment of the present invention, where the apparatus includes:

a request obtaining module 10, configured to obtain a bill payment request, an actual payment request, and a bill receiving request sent by a merchant platform;

the bill endorsement module 20 is used for determining the information of a bill collector according to the bill payment request and taking the information of the bill collector as the bill endorsement information;

and the bill processing module 30 is configured to perform bill endorsement transfer processing according to the actual payment request and the bill endorsement information, and perform bill receiving processing according to the bill receiving request.

As an embodiment of the present invention, as shown in fig. 6, the apparatus further includes:

the bill query module 40 is used for acquiring a bill query request sent by a merchant platform;

and the bill holding module 50 is configured to determine that the signing account holds a bill according to the bill query request and the signing account information corresponding to the bill query request.

As an embodiment of the present invention, as shown in fig. 7, the apparatus further includes: the bill checking module 60 is configured to obtain a bill checking request sent by the merchant platform, and send the bill checking request to the electronic bill collecting module for bill checking processing.

Based on the same application concept as the bill payment processing method, the invention also provides the device for the method for processing the bill payment 8230. The principle of solving the problems of the bill payment processing device is similar to that of the method of \8230, so that the implementation of the bill payment processing device can refer to the implementation of a bill payment processing method, and repeated parts are not repeated.

As shown in fig. 8, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in FIG. 8; furthermore, the electronic device 600 may also comprise components not shown in fig. 8, which may be referred to in the prior art.

As shown in fig. 8, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.

The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable devices. The information relating to the failure may be stored, and a program for executing the information may be stored. And the cpu 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.

The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used for displaying display objects such as images and characters. The display may be, for example, but is not limited to, an LCD display.

The memory 140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes referred to as an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.

The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).

The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, etc., may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A method of bill payment processing, the method comprising:

determining bill payee information according to the bill payment request, and taking the bill payee information as bill endorsement information;

2. The method of claim 1, further comprising:

acquiring a bill query request sent by a merchant platform;

and determining the signing account holding bill according to the bill query request and the corresponding signing account information.

3. The method of claim 1, further comprising: and acquiring a bill checking request sent by the merchant platform, and sending the bill checking request to the electronic bill exchange module for bill checking processing.

4. A bill payment processing apparatus, the apparatus comprising:

5. The apparatus of claim 4, further comprising:

6. The apparatus of claim 4, further comprising: and the bill checking module is used for acquiring a bill checking request sent by the merchant platform and sending the bill checking request to the electronic bill collecting module for bill checking processing.

7. A bill payment processing system, the system comprising: the bank access module and the payment service processing module are opened;

8. The system of claim 7, wherein the open bank access module is further configured to receive a bill query request and a bill verification request sent by the merchant platform.

9. The system of claim 8, wherein the payment transaction processing module is further configured to obtain a ticket query request from the open bank access module; and determining the signing account holding bill according to the bill query request and the corresponding signing account information.

10. The system of claim 8, wherein the payment transaction processing module is further configured to obtain a ticket validation request from the open bank access module.

11. The system of claim 10, further comprising: and the electronic draft module is used for receiving the bill checking request sent by the payment service processing module and carrying out bill checking processing according to the bill checking request.

12. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 3 when executing the computer program.

13. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 3.