TW202016829A - A transaction method and device of a unit account - Google Patents
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Abstract
Description
本發明屬於資料處理技術領域，尤其是關於一種單位帳戶的交易方法及裝置。 The invention belongs to the technical field of data processing, and in particular relates to a unit account transaction method and device.
大陸市場對公支付需求市場規模巨大，場景相對簡單，屬於藍海市場。目前內地對公支付服務主要經中國央行大小額支付系統、超級網銀、非銀行支付機構自聯平臺、以及銀企直聯處理，但效率不高。作為卡組織，銀聯基於銀行卡為企業客戶提供了客戶資金結算、供應鏈、農林牧漁收購等支付服務，但客戶需針對帳戶另外開通銀行卡，手續繁瑣，且受限於開通管道等問題，存在銀行卡在單位帳戶中覆蓋率低、活卡率不高、企業客戶用卡黏性極低等問題。 The mainland market has a huge market for public payment demand, and the scene is relatively simple. It belongs to the blue ocean market. At present, the domestic public payment service is mainly processed by the central bank's large and small payment system, super online banking, non-bank payment institution self-linked platform, and bank-enterprise direct connection, but the efficiency is not high. As a card organization, UnionPay provides corporate customers with payment services such as customer capital settlement, supply chain, and acquisition of agriculture, forestry, animal husbandry, and fishery based on bank cards. However, customers need to open a bank card for their accounts. The procedures are cumbersome, and they are limited by the opening of pipelines. There are problems such as low coverage of bank cards in unit accounts, low live card rates, and extremely low card stickiness for corporate customers.
整體來說，現階段對於不同銀行的單位帳戶之間的交易，處理效率較低，不夠便捷。 On the whole, at this stage, transactions between unit accounts of different banks are not efficient and convenient.
本發明提供一種單位帳戶的交易方法及裝置，用以提高處理單位帳戶的交易的便捷性。 The invention provides a unit account transaction method and device for improving the convenience of processing unit account transactions.
本發明實施例提供的一種單位帳戶的交易方法，包括：伺服器接收第一處理機構設備發送的第一交易請求，該第一交易請求中包括交易單位的帳戶標識；該伺服器根據該交易單位的帳戶標識，確定該交易單位的支付標記，該支付標記與該帳戶標識相對應；該伺服器向第二處理機構設備發送攜帶該支付標記的第二交易請求，以使該第二處理機構設備利用該支付標記進行交易。 An embodiment of a transaction method for a unit account provided by an embodiment of the present invention includes: a server receiving a first transaction request sent by a device of a first processing institution, the first transaction request includes an account identifier of a transaction unit; the server according to the transaction unit Account ID of the transaction unit to determine the payment mark of the transaction unit, the payment mark corresponding to the account ID; the server sends a second transaction request carrying the payment mark to the second processing facility device to enable the second processing facility device Use the payment token to make a transaction.
一種可選的具體實施例中，該伺服器根據該交易單位的帳戶標識，確定該交易單位的支付標記，包括：該伺服器確定未存有該帳戶標識對應的支付標記；該伺服器根據該交易單位的帳戶標識，生成該帳戶標識對應的支付標記，該支付標記與該帳戶標識一一對應。 In an optional specific embodiment, the server determines the payment mark of the transaction unit according to the account identification of the transaction unit, including: the server determines that the payment mark corresponding to the account identification is not stored; the server determines The account identification of the transaction unit generates a payment mark corresponding to the account identification, and the payment mark corresponds one-to-one with the account identification.
一種可選的具體實施例中，該伺服器根據該交易單位的帳戶標識，生成該帳戶標識對應的支付標記之後，還包括：該伺服器保存該帳戶標識與該支付標記的對應關係，並將該帳戶標識與該支付標記的對應關係發送至該第二處理機構設備。 In an optional specific embodiment, after the server generates the payment mark corresponding to the account ID according to the account ID of the transaction unit, the server further includes: the server stores the correspondence between the account ID and the payment mark, and The corresponding relationship between the account identifier and the payment mark is sent to the second processing mechanism device.
本發明實施例還提供一種單位帳戶的交易方法，包括：處理機構設備接收該伺服器發送的第二交易請求，該第二交易請求攜帶有交易單位的支付標記，該支付標記為該伺服器根據該交易單位的帳戶標識確定的；該處理機構設備根據該支付標記，確定該支付標記對應的交易單位的帳戶； 該處理機構設備對該交易單位的帳戶執行該第二交易請求。 An embodiment of the present invention also provides a transaction method for a unit account, including: the processing mechanism device receives a second transaction request sent by the server, the second transaction request carries a payment token of the transaction unit, and the payment token is based on The account identification of the transaction unit is determined; the processing agency equipment determines the account of the transaction unit corresponding to the payment mark based on the payment mark; The processing facility device executes the second transaction request for the account of the transaction unit.
一種可選的具體實施例，還包括：該處理機構設備向該伺服器發送第一交易請求，該第一交易請求中包括交易單位的帳戶標識，以使該伺服器根據該交易單位的帳戶標識，確定該交易單位的支付標記，該支付標記與該帳戶標識一一對應。 An optional specific embodiment further includes: the processing mechanism device sends a first transaction request to the server, where the first transaction request includes the account identification of the transaction unit, so that the server determines the account identification of the transaction unit To determine the payment mark of the transaction unit, and the payment mark corresponds to the account identification one-to-one.
一種可選的具體實施例中，該處理機構設備根據該支付標記，確定該支付標記對應的交易單位的帳戶，包括：該處理機構設備存儲有帳戶標識與支付標記的對應關係，該對應關係是該伺服器確定併發送給該處理機構設備的；該處理機構設備根據該對應關係和該支付標記，確定該支付標記對應的交易單位的帳戶。 In an optional specific embodiment, the processing agency device determines the account of the transaction unit corresponding to the payment token according to the payment token, which includes: the processing agency device stores the correspondence between the account identifier and the payment token, and the correspondence is The server determines and sends to the processing facility equipment; the processing facility equipment determines the account of the transaction unit corresponding to the payment mark based on the corresponding relationship and the payment mark.
本發明實施例提供一種單位帳戶的交易裝置，包括：接收單元，用於接收第一處理機構設備發送的第一交易請求，該第一交易請求中包括交易單位的帳戶標識；標記單元，用於根據該交易單位的帳戶標識，確定該交易單位的支付標記，該支付標記與該帳戶標識相對應；發送單元，用於向第二處理機構設備發送攜帶該支付標記的第二交易請求，以使該第二處理機構設備利用該支付標記進行交易。 An embodiment of the present invention provides a unit account transaction apparatus, including: a receiving unit, configured to receive a first transaction request sent by a first processing mechanism device, the first transaction request including an account identifier of a transaction unit; a marking unit, used to According to the transaction unit's account identification, determine the transaction unit's payment mark, the payment mark corresponds to the account identification; the sending unit is used to send a second transaction request carrying the payment mark to the second processing institution device, so that The second processing facility device uses the payment token to conduct a transaction.
一種可選的具體實施例中，該標記單元，具體用於：確定未存有該帳戶標識對應的支付標記；根據該交易單位的帳戶標識，生成該帳戶標識對應的支付標記，該支付標記與該帳戶標識一一對應。 In an optional specific embodiment, the marking unit is specifically configured to: determine that there is no payment mark corresponding to the account ID; generate a payment mark corresponding to the account ID according to the account ID of the transaction unit, and the payment mark is The account IDs have a one-to-one correspondence.
一種可選的具體實施例中，該標記單元，還用於保存該帳戶標識與該支付標記的對應關係；該發送單元，還用於將該帳戶標識與該支付標記的對應關係發送至該第二處理機構設備。 In an optional specific embodiment, the marking unit is also used to save the correspondence between the account identifier and the payment token; the sending unit is also used to send the correspondence between the account identifier and the payment token to the first 2. Equipment for processing institutions.
本發明實施例還提供一種電子設備，包括：至少一個處理器；以及，與該至少一個處理器通信連接的記憶體；其中，該記憶體存儲有可被該至少一個處理器執行的指令，該指令被該至少一個處理器執行，以使該至少一個處理器能夠執行如上所述的方法。 An embodiment of the present invention further provides an electronic device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the The instructions are executed by the at least one processor to enable the at least one processor to perform the method as described above.
本發明實施例還提供一種非暫態電腦可讀存儲介質，該非暫態電腦可讀存儲介質存儲電腦指令，該電腦指令用於使該電腦執行如上所述的方法。 Embodiments of the present invention also provide a non-transitory computer-readable storage medium that stores computer instructions, and the computer instructions are used to cause the computer to perform the method described above.
本發明實施例中，伺服器接收第一處理機構設備發送的第一交易請求，第一交易請求中包括交易單位的帳戶標識。伺服器可以根據交易單位的帳戶標識，確定交易單位的支付標記，該支付標記與帳戶標識相對應。伺服器向第二處理機構設備發送攜帶支付標記的第二交易請求，這樣第二處理機構設備可以利用該支付標記進行交易。本發明實施例中，伺服器為交易單位對應的帳戶標識分配了支付標記，則伺服器可以利用該支付標記處理單位帳戶相關的交易，尤其是處理不同銀行的單位帳戶之間的交易，將對公交易納入了伺服器的處理範圍，可廣泛應用於伺服器的已有業務。此外，對於用戶層面，由於使用者無需針對交易單位的帳戶再另行申請銀行卡，可以對帳戶直接發起交易，即使用者無感知，增加了使用者 處理單位帳戶的便捷性，優化了用戶體驗。 In the embodiment of the present invention, the server receives the first transaction request sent by the first processing mechanism device, and the first transaction request includes the account identification of the transaction unit. The server may determine the payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark corresponds to the account identification. The server sends a second transaction request carrying a payment token to the second processing facility device, so that the second processing facility device can use the payment token to conduct a transaction. In the embodiment of the present invention, the server assigns a payment mark to the account identifier corresponding to the transaction unit, then the server can use the payment mark to process transactions related to the unit account, especially to process transactions between unit accounts of different banks. The public transaction is included in the processing scope of the server, and can be widely applied to the existing business of the server. In addition, for the user level, since the user does not need to apply for a bank card separately for the account of the transaction unit, the transaction can be initiated directly to the account, that is, the user is unaware, which increases The convenience of handling unit accounts optimizes the user experience.
201~203、301~310、401~408‧‧‧步驟 201~203, 301~310, 401~408‧‧‧ steps
101‧‧‧終端 101‧‧‧Terminal
102‧‧‧處理機構設備 102‧‧‧ processing equipment
103‧‧‧伺服器 103‧‧‧Server
501‧‧‧接收單元 501‧‧‧Receiving unit
502‧‧‧標記單元 502‧‧‧Marking unit
503‧‧‧發送單元 503‧‧‧Sending unit
601‧‧‧處理器 601‧‧‧ processor
602‧‧‧記憶體 602‧‧‧Memory
603‧‧‧收發機 603‧‧‧Transceiver
604‧‧‧匯流排介面 604‧‧‧bus interface
為了更清楚地說明本發明實施例中的技術方案，下面將對實施例描述中所需要使用的附圖作簡要介紹，顯而易見地，下面描述中的附圖僅僅是本發明的一些實施例，對於本領域的普通技術人員來講，在不付出進步性勞動性的前提下，還可以根據這些附圖獲得其他的附圖。 In order to more clearly explain the technical solutions in the embodiments of the present invention, the drawings required in the description of the embodiments will be briefly described below. Obviously, the drawings in the following description are only some embodiments of the present invention. Those of ordinary skill in the art can obtain other drawings based on these drawings without paying progressive labor.
圖1為本發明實施例所適用的一種可能的系統構架的示意圖；圖2為本發明實施例提供的一種單位帳戶的交易方法的流程示意圖；圖3為本發明實施例一提供的單位帳戶的交易方法的流程示意圖；圖4為本發明實施例二提供的單位帳戶的交易方法的流程示意圖；圖5為本發明實施例提供的一種單位帳戶的交易裝置的結構示意圖；圖6為本發明實施例提供的電子設備的結構示意圖。 1 is a schematic diagram of a possible system architecture applicable to an embodiment of the present invention; FIG. 2 is a schematic flowchart of a transaction method for a unit account provided by an embodiment of the present invention; FIG. 3 is a unit account provided by a first embodiment of the present invention Schematic diagram of the transaction method; FIG. 4 is a schematic diagram of the transaction method of the unit account provided in the second embodiment of the present invention; FIG. 5 is a schematic diagram of the structure of a transaction apparatus of the unit account provided in the embodiment of the present invention; FIG. 6 is an implementation of the present invention Example provides a schematic diagram of the structure of the electronic device.
為了使本發明的目的、技術方案和優點更加清楚，下面將結合附圖對本發明作進一步地詳細描述，顯然，所描述的實施例僅僅是本發明一部份實施例，而不是全部的實施例。基於本發明中的實施例，本領域普通技術人員在沒有做出進步性勞動前提下所獲得的所有其它實施例，都屬於本發明保護的範圍。 In order to make the objectives, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention rather than all the embodiments . Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without making progressive labor are within the protection scope of the present invention.
現有對公支付結算主要通過如下途徑實現需求：中國央行大 小額支付系統和超級網銀、非銀行支付機構自聯平臺、銀企直聯、卡組織單位結算卡。 The existing public payment settlement mainly meets the demand through the following channels: Micro-payment system, super online banking, non-bank payment institution self-linked platform, bank-enterprise direct connection, card organization unit settlement card.
上述幾種實現方法存在局限性：(1)中國央行大額支付系統提供5*21小時運行視窗，對於非工作時間的跨行對公支付需求，對公企業需要將拆分為多筆，方能通過單筆交易限額較低的中國央行小額支付系統和超級網銀實現，成本較高，效率較低；(2)在中國央行為防範結算資金風險而提出的斷直連監管要求下，非銀行支付機構自聯銀行的平臺業務將屬於違規行為，需要取締；(3)銀企直聯通道僅可以支援同行的單位帳戶的支付結算，無法滿足跨行需求；(4)對於卡組織針對公客戶市場推出的單位結算卡，其持卡使用者仍習慣於提供單位帳戶，並未養成提供單位結算卡的使用者習慣，且單位結算卡使用者規模小、尚未覆蓋現有對公用戶市場。 The above several implementation methods have limitations: (1) The central bank's large-value payment system provides a 5*21 hour operating window. For non-working hours of cross-bank public payment needs, the public enterprise needs to be split into multiple payments before it can be Realized by the central bank micropayment system and super online banking with a single transaction limit, the cost is high and the efficiency is low; (2) Non-bank payment The platform business of the institution's self-linked bank will be a violation and need to be banned; (3) The bank-enterprise direct connection channel can only support the payment and settlement of peer unit accounts, and cannot meet cross-bank needs; (4) For card organizations, it is launched for the public customer market. The user of the unit settlement card is still used to providing unit accounts, and the user habit of providing unit settlement cards is not developed, and the user of the unit settlement card is small and has not yet covered the existing public user market.
為了解決上述問題，本發明實施例提供了一種單位帳戶的交易方法。該方法所適用的一種可能的系統構架，如圖1所示，包括終端101、處理機構設備102、以及伺服器103。其中，終端101可以是手機、平板電腦或者是專用的手持設備如POS(point of sale，銷售終端)機、NFC(Near Field Communication，近距離無線通訊技術)等具有處理交易功能的電子設備，也可以是個人電腦(personal computer，簡稱PC)，筆記型電腦，伺服器等其它可以進行支付的設備。
In order to solve the above problems, an embodiment of the present invention provides a unit account transaction method. A possible system architecture to which the method is applicable, as shown in FIG. 1, includes a
處理機構設備102可以是處理各種交易的機構中的設備，如各銀行系統的伺服器，可以是一個獨立的設備，也可以是多個伺服器所形
成的伺服器集群。優選地，處理機構設備102可以採用雲計算技術進行資訊處理。伺服器103可以是一個獨立的設備，也可以是多個伺服器所形成的伺服器集群。優選地，伺服器103可以採用雲計算技術進行資訊處理。
The
伺服器103可以連接多個處理機構設備102，一個處理機構設備102可以連接多個終端101，一個終端101也可以與多個處理機構設備102相連。
The
本發明實施例中的單位帳戶的交易方法基於支付標記化技術為單位帳戶分配支付一個支付標記，通過支付標記將企業對公支付需求納入伺服器的處理範圍。其典型的應用場景包括： The transaction method of the unit account in the embodiment of the present invention allocates a payment token to the unit account based on the payment tokenization technology, and incorporates the enterprise's demand for public payment into the processing range of the server through the payment token. Typical application scenarios include:
1、付款類業務 1. Payment business
銀行通過為單位帳戶申請單位TOKEN(Payment Token，支付標記)，並生成標準二維碼展示，可用於手機網銀二維碼掃碼支付或通過POS掃碼支付、NFC綁定等面對面付款類應用場景。比如，在供應鏈採購付款業務中，可通過POS掃單位TOKEN二維碼實現單位帳戶支付採購款項。 Banks apply for unit tokens (Payment Token, payment tokens) for unit accounts and generate standard QR code displays, which can be used for face-to-face payment application scenarios such as QR code payment for mobile Internet banking or QR code payment through POS, NFC binding, etc. . For example, in the purchase payment business of the supply chain, the unit account can be used to pay the purchase payment through the POS scanning unit TOKEN QR code.
2、收款類業務 2. Collection business
單位TOKEN也可廣泛應用於企業對公收款業務，如客戶資金結算業務中，收單機構通過向客戶的單位帳戶發起單位TOKEN貸記入帳交易，可支援7*24小時即時客戶資金入帳，提供高效資金結算服務。 The unit TOKEN can also be widely used in the business-to-public collection business. For example, in the client's fund settlement business, the acquirer can initiate the unit TOKEN credit entry transaction to the client's unit account, which can support 7*24 hours of real-time client funds entry. Provide efficient fund settlement services.
圖2示例性示出了本發明實施例提供的一種單位帳戶的交易方法的流程示意圖。 FIG. 2 exemplarily shows a schematic flowchart of a unit account transaction method provided by an embodiment of the present invention.
基於前述內容，如圖2所示，本發明實施例提供的在伺服器側實現的一種單位帳戶的交易方法，包括以下步驟：
步驟201、伺服器接收第一處理機構設備發送的第一交易請求，第一交易請求中包括交易單位的帳戶標識；步驟202、伺服器根據該交易單位的帳戶標識，確定交易單位的支付標記，支付標記與帳戶標識相對應；步驟203、伺服器向第二處理機構設備發送攜帶支付標記的第二交易請求，以使第二處理機構設備利用支付標記進行交易。
Based on the foregoing, as shown in FIG. 2, a transaction method for a unit account implemented on the server side provided by an embodiment of the present invention includes the following steps:
Step 201: The server receives the first transaction request sent by the first processing agency equipment, and the first transaction request includes the account identification of the transaction unit; Step 202, the server determines the payment mark of the transaction unit according to the account identification of the transaction unit, The payment token corresponds to the account identifier;
本發明實施例中，伺服器接收第一處理機構設備發送的第一交易請求，第一交易請求中包括交易單位的帳戶標識。伺服器可以根據交易單位的帳戶標識，確定交易單位的支付標記，該支付標記與帳戶標識相對應。伺服器向第二處理機構設備發送攜帶支付標記的第二交易請求，這樣第二處理機構設備可以利用該支付標記進行交易。本發明實施例中，伺服器為交易單位對應的帳戶標識分配了支付標記，則伺服器可以利用該支付標記處理單位帳戶相關的交易，尤其是處理不同銀行的單位帳戶之間的交易，將對公交易納入了伺服器的處理範圍，可廣泛應用於伺服器的已有業務。此外，對於用戶層面，由於使用者無需針對交易單位的帳戶再另行申請銀行卡，可以對帳戶直接發起交易，即使用者無感知，增加了使用者處理單位帳戶的便捷性，優化了用戶體驗。 In the embodiment of the present invention, the server receives the first transaction request sent by the first processing mechanism device, and the first transaction request includes the account identification of the transaction unit. The server may determine the payment mark of the transaction unit according to the account identification of the transaction unit, and the payment mark corresponds to the account identification. The server sends a second transaction request carrying a payment token to the second processing facility device, so that the second processing facility device can use the payment token to conduct a transaction. In the embodiment of the present invention, the server assigns a payment mark to the account identifier corresponding to the transaction unit, then the server can use the payment mark to process transactions related to the unit account, especially to process transactions between unit accounts of different banks. The public transaction is included in the processing scope of the server, and can be widely applied to the existing business of the server. In addition, for the user level, since the user does not need to apply for a bank card separately for the account of the trading unit, he can directly initiate a transaction on the account, that is, the user is unaware, which increases the convenience of the user to handle the unit account and optimizes the user experience.
本發明實施例中的支付標記，可以是通過支付標記化技術為交易單位的帳戶生成一個單位TOKEN號。該單位TOKEN是與企業客戶的單位帳戶相關聯，基於TOKEN技術，為單位帳戶生成的支付結算工具。具體的，單位TOKEN可以是一個62開頭的13至19位元數字，符合銀行卡BIN號基本規則，與單位帳戶一一對應。當然，單位TOKEN也可以為3或 4等其它數位開頭的數位，或者為一串英文字元組成的字串，或者為包含數位和英文字元的混合字串，本發明實施例對單位TOKEN的具體形式以及具體內容不做限制。在交易中使用單位TOKEN號替換傳統的帳號，從而滿足單位帳戶移動化、無卡化支付需求。 The payment token in the embodiment of the present invention may be a unit token number generated for the account of the transaction unit through the payment tokenization technology. The unit TOKEN is a payment and settlement tool generated for the unit account based on the TOKEN technology and associated with the unit account of the enterprise customer. Specifically, the unit TOKEN can be a 13 to 19 digit number beginning with 62, which conforms to the basic rules of bank card BIN numbers and corresponds one-to-one with the unit account. Of course, the unit TOKEN can also be 3 or The digits at the beginning of other digits such as 4 are either a string of English characters or a mixed string containing digits and English characters. The embodiment of the present invention does not limit the specific form and content of the unit token. In the transaction, the unit TOKEN number is used to replace the traditional account, so as to meet the needs of mobile and cardless payment of the unit account.
本發明實施例中的支付標記，為了與單位帳戶一一對應，可以由伺服器根據單位帳戶的帳號生成一個唯一的數字，作為該帳號對應的支付標記。具體來說，上述步驟201中，伺服器根據交易單位的帳戶標識，確定交易單位的支付標記，包括：該伺服器確定未存有該帳戶標識對應的支付標記；該伺服器根據該交易單位的帳戶標識，生成該帳戶標識對應的支付標記，該支付標記與該帳戶標識一一對應。
In order to correspond one-to-one with the unit account, the server may generate a unique number according to the account number of the unit account as the payment mark corresponding to the account in the embodiment of the present invention. Specifically, in the
在具體實施過程中，伺服器接收到處理機構設備發送的交易請求後，確定交易請求中攜帶了交易單位的帳戶標識，則查詢是否存有該帳戶標識對應的支付標記。若伺服器確定已存有該帳戶標識對應的支付標記，則伺服器可以直接利用該支付標記對交易請求進行處理。若伺服器確定未存有該帳戶標識對應的支付標記，則伺服器根據該交易單位的帳戶標識，生成對應的支付標記，具體可以是與單位帳戶的帳戶標識唯一對應的一個多位數字。 In the specific implementation process, after receiving the transaction request sent by the processing institution equipment, the server determines that the transaction request carries the account identifier of the transaction unit, and then queries whether there is a payment mark corresponding to the account identifier. If the server determines that the payment mark corresponding to the account identifier has been stored, the server can directly use the payment mark to process the transaction request. If the server determines that there is no payment mark corresponding to the account ID, the server generates a corresponding payment mark according to the account ID of the transaction unit, which may specifically be a multi-digit number uniquely corresponding to the account ID of the unit account.
進一步，伺服器根據交易單位的帳戶標識，生成帳戶標識對應的支付標記之後，還包括：該伺服器保存該帳戶標識與該支付標記的對應關係，並將該帳戶標識與該支付標記的對應關係發送至該第二處理機構設備。 Further, after the server generates the payment mark corresponding to the account ID according to the account ID of the transaction unit, the server further includes: the server stores the correspondence between the account ID and the payment mark, and the correspondence between the account ID and the payment mark Sent to the second processing facility equipment.
具體的，伺服器生成支付標記之後，為了便於後續對同一個帳戶的交易進行處理，將帳戶標識與支付標記的對應關係進行存儲。這樣，當伺服器再次接收到同一個帳戶的交易請求時，無需重複支付標記的生成過程，只需根據帳戶標識查找對應關係，即可確定支付標記。同時，伺服器還將帳戶標識與支付標記的對應關係發送至第二處理機構設備。可以使第二處理機構設備將帳戶標識與支付標記的對應關係進行存儲。這樣，伺服器與第二處理結構之間即可利用該支付標記替代帳號，來唯一標識單位帳戶。 Specifically, after the server generates the payment mark, in order to facilitate subsequent processing of transactions of the same account, the correspondence between the account mark and the payment mark is stored. In this way, when the server receives the transaction request of the same account again, there is no need to repeat the process of generating the payment token, and only need to find the corresponding relationship according to the account identifier to determine the payment token. At the same time, the server also sends the corresponding relationship between the account identifier and the payment token to the second processing agency device. The second processing mechanism device may store the correspondence between the account identification and the payment token. In this way, the payment token can be used to replace the account number between the server and the second processing structure to uniquely identify the unit account.
對應於處理機構側，本發明實施例中的單位帳戶的交易方法，包括：處理機構設備接收伺服器發送的第二交易請求，第二交易請求攜帶有交易單位的支付標記，支付標記為伺服器根據交易單位的帳戶標識確定的；處理機構設備根據支付標記，確定支付標記對應的交易單位的帳戶；處理機構設備對交易單位的帳戶執行第二交易請求。 Corresponding to the processing institution side, the transaction method of the unit account in the embodiment of the present invention includes: the processing institution device receives the second transaction request sent by the server, the second transaction request carries the payment token of the transaction unit, and the payment token is the server It is determined according to the account identifier of the transaction unit; the processing facility device determines the account of the transaction unit corresponding to the payment token according to the payment mark; the processing facility device executes the second transaction request to the account of the transaction unit.
對於處理機構而言，處理機構設備可以根據接收到的第二交易請求中攜帶的支付標記，確定該第二交易請求為對公交易，即與單位帳戶相關。這樣，處理機構按照處理對公交易的方式處理第二交易請求，根據支付標記確定交易單位的帳戶，從而對交易單位的帳戶執行第二交易請求。 For the processing agency, the processing agency device may determine that the second transaction request is a public transaction based on the payment mark carried in the received second transaction request, that is, it is related to the unit account. In this way, the processing agency processes the second transaction request in the same way as the public transaction, determines the account of the transaction unit according to the payment token, and executes the second transaction request on the account of the transaction unit.
處理機構設備可以主動向伺服器請求支付標記，也可以向伺服器發送一般的交易請求，由伺服器決定為交易單位生產對應的支付標 記。 The processing facility equipment can actively request a payment token from the server, or can send a general transaction request to the server, and the server decides to produce the corresponding payment token for the transaction unit Remember.
本發明實施例中，還包括：該處理機構設備向該伺服器發送第一交易請求，該第一交易請求中包括交易單位的帳戶標識，以使該伺服器根據該交易單位的帳戶標識，確定該交易單位的支付標記，該支付標記與該帳戶標識一一對應。 The embodiment of the present invention further includes: the processing mechanism device sends a first transaction request to the server, and the first transaction request includes the account identification of the transaction unit, so that the server determines the account identification of the transaction unit The payment mark of the transaction unit, which corresponds to the account identification in one-to-one correspondence.
這裡，發送第一交易請求的處理機構設備與接收第二交易處理請求的處理機構設備可以是同一個處理機構設備，也可以是不同的處理結構設備。當兩者為同一個的處理機構設備時，為處理機構主動向伺服器請求，請求伺服器為單位帳戶確定唯一的支付標記，便於該處理機構利用支付標記處理交易任務。當兩者為不同處理機構設備時，處理機構向伺服器發送第一交易請求時，該第一交易請求為普通的交易請求，即不包含支付標記的相關內容。伺服器根據第一交易請求確定支付標記，從而將對公交易納入伺服器的處理範圍，增加伺服器進行交易處理的範圍。 Here, the processing mechanism device that sends the first transaction request and the processing mechanism device that receives the second transaction processing request may be the same processing mechanism device, or may be different processing structure devices. When the two are the same processing facility equipment, the processing facility actively requests the server to request the server to determine a unique payment token for the unit account, so that the processing facility can use the payment token to process transaction tasks. When the two are devices of different processing agencies, when the processing agency sends the first transaction request to the server, the first transaction request is a normal transaction request, that is, it does not include the relevant content of the payment mark. The server determines the payment mark according to the first transaction request, so that the public transaction is included in the processing range of the server, and the range of transaction processing performed by the server is increased.
該處理機構設備根據該支付標記，確定該支付標記對應的交易單位的帳戶，包括：該處理機構設備存儲有帳戶標識與支付標記的對應關係，該對應關係是該伺服器確定併發送給該處理機構設備的；該處理機構設備根據該對應關係和該支付標記，確定該支付標記對應的交易單位的帳戶。 The processing device determines the account of the transaction unit corresponding to the payment tag according to the payment tag, including: the processing device stores the correspondence between the account identifier and the payment tag, and the corresponding relationship is determined by the server and sent to the process Institutional equipment; the processing institution equipment determines the account of the transaction unit corresponding to the payment mark based on the correspondence and the payment mark.
在具體實施過程中，處理機構設備中可以存儲有帳戶標識與支付標記的對應關係，該對應關係為伺服器發送給處理機構設備。這樣，之後伺服器即可向處理機構設備發送該支付標記，處理機構設備通過查找 存儲的資料，確定支付標記對應的帳戶標識。 In the specific implementation process, the correspondence relationship between the account identifier and the payment mark may be stored in the processing facility device, and the correspondence is sent by the server to the processing facility device. In this way, the server can then send the payment token to the processing facility device, and the processing facility device The stored information determines the account identification corresponding to the payment mark.
為了更清楚地理解本發明，下面以具體實施例對上述流程進行詳細描述，實施例一中，付款方終端與第一處理機構設備相連，收款方終端與第二處理機構設備相連，第一處理機構設備與第二處理機構設備均與伺服器相連。其中，第一處理機構設備為A銀行中的伺服器，第二處理機構設備為B銀行中的伺服器。 In order to understand the present invention more clearly, the above process will be described in detail in the following specific embodiments. In the first embodiment, the payer terminal is connected to the first processing mechanism device, and the payee terminal is connected to the second processing mechanism device. The processing mechanism equipment and the second processing mechanism equipment are both connected to the server. Among them, the first processing facility equipment is a server in Bank A, and the second processing facility equipment is a server in Bank B.
具體步驟如圖3所示，包括：步驟301：付款方終端向第一處理機構設備發起付款(或轉帳)交易請求，該交易請求中包含了收款方單位帳戶的帳號；步驟302：第一處理機構設備將付款交易請求發送給伺服器；步驟303：伺服器根據收款方單位的帳號，查詢是否存儲有單位TOKEN，若是，則執行步驟307，否則執行步驟304；步驟304：伺服器根據收款方單位的帳號，生成收款方單位TOKEN，並將帳號與TOKEN的對應關係進行保存；步驟305：伺服器生成收款方單位TOKEN後，組建單位TOKEN貸記第一交易報文，並將第一交易報文向第二處理機構設備發送。其中第一交易報文包含內容如下：(1)主帳號域，填寫收到的單位TOKEN號；(2)帳號所有人類型標識(60.2.1域)，填寫為「3-單位TOKEN」；(3)收款方資訊(104域)，填寫輔助驗證資訊，包括帳戶名稱、帳號、營業執照註冊號(或統一社會信用代碼)。 The specific steps are shown in FIG. 3, including: Step 301: The payer terminal initiates a payment (or transfer) transaction request to the first processing facility device, and the transaction request includes the account number of the payee unit account; Step 302: First The processing facility equipment sends the payment transaction request to the server; step 303: the server inquires whether the unit token is stored according to the account number of the payee unit, if so, step 307 is executed, otherwise step 304 is executed; step 304: the server is based on The account of the beneficiary unit generates a TOKEN of the beneficiary unit, and saves the correspondence between the account and the TOKEN; Step 305: After the server generates the TOKEN of the beneficiary unit, the unit TOKEN is formed to credit the first transaction message, and Send the first transaction message to the second processing facility equipment. The first transaction message contains the following content: (1) Master account field, fill in the unit token number received; (2) Account owner type identification (60.2.1 field), fill in "3-Unit TOKEN"; ( 3) Payee information (104 fields), fill in auxiliary verification information, including account name, account number, business license registration number (or unified social credit code).
步驟306：第二處理機構設備接收到第一交易報文後，識別 「帳戶所有人類型」為「3-單位TOKEN」，讀取收款方資訊，並保存單位TOKEN與收款方資訊的對應關係；步驟307：將單位TOKEN帳戶驗證通過後即時為該收款方帳戶貸記入帳。之後執行步驟3010；步驟308：伺服器根據單位TOKEN，組建單位TOKEN貸記第二交易報文，並將第二交易報文向第二處理機構設備發送。其中第二交易報文中包括主帳號域，填寫收到的單位TOKEN號；步驟309：第二處理機構設備接收到第二交易報文後，識別「帳戶所有人類型」為「3-單位TOKEN」，從存儲的資料中查詢到收款方資訊，為該收款方帳戶貸記入帳；步驟310：第二處理機構設備通知收款方終端入帳資訊。 Step 306: After receiving the first transaction message, the second processing mechanism device recognizes "Account owner type" is "3-Unit TOKEN", read the payee information, and save the corresponding relationship between the unit TOKEN and the payee information; Step 307: The unit TOKEN account will be the payee immediately after verification The account is credited to the account. Then, step 3010 is executed; step 308: the server forms a unit TOKEN to credit the second transaction message according to the unit TOKEN, and sends the second transaction message to the second processing institution device. Among them, the second transaction message includes the main account field, fill in the received unit TOKEN number; Step 309: After receiving the second transaction message, the second processing agency device recognizes that the "account owner type" is "3-unit TOKEN" Query the payee information from the stored data and credit the payee account; Step 310: The second processing agency equipment notifies the payee terminal of the account information.
實施例二為處理機構設備主動申請單位TOKEN，並將單位TOKEN與應用APP綁定，在支付時直接以TOKEN(或基於TOKEN的二維碼)發起支付需求，可以為企業客戶發起的申請，也可以為企業客戶無感知。下面以企業客戶申請對公二維碼為例，具體步驟如圖4所示，包括：步驟401：企業客戶在用戶端(手機企業網銀或商戶APP)上發起綁定帳戶並申請對公二維碼的申請請求，申請請求中包括該企業客戶的帳號；步驟402：處理機構向伺服器發起申請請求，以申請二維碼，該申請請求中包括該企業客戶的帳號；步驟403：伺服器根據企業客戶的帳號進行查詢，如查到對應的單位TOKEN，則直接執行步驟405；如查不到單位TOKEN，則執行步驟404；步驟404：伺服器為該企業客戶的帳號生成銀聯標準單位TOKEN，並 進行保存；步驟405：伺服器根據單位TOKEN生成銀聯標準二維碼；步驟406：伺服器將二維碼返回給處理機構設備；步驟407：處理機構設備將二維碼發送給用戶端；步驟408：用戶端向企業客戶進行展示。 The second embodiment is to process the equipment of the organization to actively apply for the unit TOKEN, and bind the unit TOKEN to the application APP. When paying, the TOKEN (or two-dimensional code based on TOKEN) is used to initiate the payment request. The application can be initiated for enterprise customers. Can be unaware for corporate customers. The following uses an enterprise customer to apply for a public QR code as an example. The specific steps are shown in FIG. 4 and include: Step 401: The enterprise customer initiates a binding account on the user terminal (mobile enterprise online banking or merchant APP) and applies for a public QR code Code application request, the application request includes the account of the enterprise client; Step 402: The processing agency initiates an application request to the server to apply for the QR code, and the application request includes the account of the enterprise client; Step 403: The server Query the account of the enterprise customer. If the corresponding unit TOKEN is found, go directly to step 405; if the unit TOKEN is not found, go to step 404; Step 404: The server generates a UnionPay standard unit TOKEN for the account of the enterprise customer. and Save; Step 405: The server generates a UnionPay standard QR code according to the unit TOKEN; Step 406: The server returns the QR code to the processing facility equipment; Step 407: The processing facility equipment sends the QR code to the user terminal; Step 408 : The client will show it to the enterprise customers.
企業客戶通過二維碼，可在銀聯網路開展消費、面對面企業付款等業務。 Corporate customers can use the QR code to conduct business such as consumption and face-to-face corporate payment on the Yinwang Road.
本發明實施例還提供了一種單位帳戶的交易裝置，如圖5所示，包括：接收單元501，用於接收第一處理機構設備發送的第一交易請求，該第一交易請求中包括交易單位的帳戶標識；標記單元502，用於根據該交易單位的帳戶標識，確定該交易單位的支付標記，該支付標記與該帳戶標識相對應；發送單元503，用於向第二處理機構設備發送攜帶該支付標記的第二交易請求，以使該第二處理機構設備利用該支付標記進行交易。
An embodiment of the present invention also provides a unit account transaction device. As shown in FIG. 5, it includes: a receiving
進一步，該標記單元502，具體用於：確定未存有該帳戶標識對應的支付標記；根據該交易單位的帳戶標識，生成該帳戶標識對應的支付標記，該支付標記與該帳戶標識一一對應。
Further, the marking
進一步，該標記單元502，還用於保存該帳戶標識與該支付標記的對應關係；該發送單元503，還用於將該帳戶標識與該支付標記的對應關係發送至
該第二處理機構設備。
Further, the marking
在此，伺服器可以為銀聯伺服器，也可以為其餘卡組織的伺服器，在此不做限定。 Here, the server may be a UnionPay server or a server organized by other cards, which is not limited herein.
基於相同的原理，本發明還提供一種電子設備，如圖6所示，包括：包括處理器601、記憶體602、收發機603、匯流排介面604，其中處理器601、記憶體602與收發機603之間通過匯流排介面604連接；該處理器601，用於讀取該記憶體602中的程式，執行下列方法：接收第一處理機構設備發送的第一交易請求，該第一交易請求中包括交易單位的帳戶標識；根據該交易單位的帳戶標識，確定該交易單位的支付標記，該支付標記與該帳戶標識相對應；向第二處理機構設備發送攜帶該支付標記的第二交易請求，以使該第二處理機構設備利用該支付標記進行交易。
Based on the same principle, the present invention also provides an electronic device, as shown in FIG. 6, including: a
進一步地，該處理器601具體用於：確定未存有該帳戶標識對應的支付標記；根據該交易單位的帳戶標識，生成該帳戶標識對應的支付標記。
Further, the
進一步地，該處理器601具體用於：保存該帳戶標識與該支付標記的對應關係，並將該帳戶標識與該支付標記的對應關係發送至該第二處理機構設備。
Further, the
本發明是參照根據本發明實施例的方法、設備(系統)、和電腦程式產品的流程圖和/或方框圖來描述的。應理解可由電腦程式指令 實現流程圖和/或方框圖中的每一流程和/或方框、以及流程圖和/或方框圖中的流程和/或方框的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式設計資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式設計資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和/或方框圖一個方框或多個方框中指定的功能的裝置。 The present invention is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that it can be instructed by a computer program Each process and/or block in the flowchart and/or block diagram and the combination of the process and/or block in the flowchart and/or block diagram are implemented. These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing device to produce a machine that allows instructions executed by the processor of the computer or other programmable data processing device Means for generating the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and/or block diagrams.
這些電腦程式指令也可存儲在能引導電腦或其他可程式設計資料處理設備以特定方式工作的電腦可讀記憶體中，使得存儲在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和/或方框圖一個方框或多個方框中指定的功能。 These computer program instructions can also be stored in a computer readable memory that can guide the computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer readable memory produce a manufactured product including an instruction device The instruction device implements the functions specified in one block or multiple blocks in one flow or multiple flows in the flowchart and/or one block in the block diagram.
這些電腦程式指令也可裝載到電腦或其他可程式設計資料處理設備上，使得在電腦或其他可程式設計設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式設計設備上執行的指令提供用於實現在流程圖一個流程或多個流程和/或方框圖一個方框或多個方框中指定的功能的步驟。 These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps can be performed on the computer or other programmable device to generate computer-implemented processing, and thus on the computer or other programmable device The instructions executed above provide steps for implementing the functions specified in one flow or flow of the flowchart and/or one block or flow of the block diagram.
儘管已描述了本發明的優選實施例，但本領域內的技術人員一旦得知了基本進步性概念，則可對這些實施例作出另外的變更和修改。所以，所附請求項意欲解釋為包括優選實施例以及落入本發明範圍的所有變更和修改。 Although the preferred embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications to these embodiments once they learn the basic progressive concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present invention.
顯然，本領域的技術人員可以對本發明進行各種改動和變型而不脫離本發明的精神和範圍。這樣，倘若本發明的這些修改和變型屬於本發明請求項及其等同技術的範圍之內，則本發明也意圖包括這些改動和 變型在內。 Obviously, those skilled in the art can make various modifications and variations to the present invention without departing from the spirit and scope of the present invention. In this way, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention is also intended to include these modifications and Variants included.
201~203‧‧‧步驟 201~203‧‧‧Step
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| 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 |
| 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 |
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| US8915426B2 (en) * | 2012-07-11 | 2014-12-23 | Ncr Corporation | Media dispensing self-service terminal |
| CN104424563A (en) * | 2013-08-30 | 2015-03-18 | 南京中兴群力信息科技有限公司 | Mobile banking business processing method, device and system |
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