CN102968715B - A kind of payment control method and system based on credit data - Google Patents
A kind of payment control method and system based on credit data Download PDFInfo
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Abstract
The invention provides a kind of payment control method and system based on credit data, methods described includes：Third-party payment platform is received user and is asked by the payment that merchant server sends；Judge whether the state of the trade company is normal, if, prompting user input credit account information, whether the state that judges the credit accounts is normal, whether avail is more than or equal to the order amount of money, if so, performing the treatment of withholing of the credit accounts, the gathering treatment of the trade company and the calculating treatment of transaction procedure expense.Third-party payment platform is according to the parameters value of user for user provides certain amount and the credit accounts of account phase respectively in different trade companies, in available amount, in the case that user can not produce actual funds to pay by bank, complete the network trading of safety, so as to speed up capital turnover efficiency, industrial chain dollar return is improved.
Description
Technical field
The present invention relates to network data transmission control technology field, more particularly to a kind of payment control based on credit data
Method and system processed.
Background technology
Third-party payment has been developed as most important tie in network payment industrial chain, and on the one hand it connect bank,
The a series of activities such as treatment capital settlement, customer service, Error disposal, are on the other hand connected to numerous trade companies again, make trade company
Payment transaction can smoothly access.It is one-to-one that the one-stop access service of Third-party payment makes bank and trade company both sides all avoid
The sky high cost of access, and loaded down with trivial details business operation mode.Existing Third-party payment can integrated domestic most business bank,
The function of payment gateway is provided the user, the payment bottleneck problem in ecommerce is solved to a certain extent.
But existing Third-party payment provides pure technology gateway accessing service, i.e., each silver is docked by Third-party payment gateway
Row system, trade company realizes that trade company sells the bank card on-line payment on website and takes by with Third-party payment gateway to fetching
Business.Therefore this gateway means of payment has the disadvantages that：In the case where distribution channel level is more, trade company's receipt on account time meeting
It is very long, cause efficiency of fund operations low, operation cost is high, and transaction risk is big.
Although bank also provides financing product or credit services, and thus alleviates trade company because efficiency of fund operations is lowly produced
Fund difficiency problem, but cannot fundamentally solve the problems, such as that trade company's receipt on account time is long.
The content of the invention
The technical problems to be solved by the invention are to provide a kind of payment control method based on credit data, it is possible to resolve existing
There is the problem that efficiency of fund operations is not high, industrial chain dollar return is low of online payment system.
The present invention also provides a kind of payment control system based on credit data, to ensure the practical application of the above method.
In order to solve the above problems, the invention discloses a kind of payment control method based on credit data, perform described
The system of method includes Third-party payment platform, and methods described includes：
Pay request step：Third-party payment platform is received user and is asked by the payment that merchant server sends, described
Paying required parameter includes trade company number, order number and the order amount of money；
Condition adjudgement step：Judge whether the state of the trade company is normal, if so, performing subsequent step；
Account input step：Prompting user input credit account information, the credit account information includes user in the business
The credit accounts number at family；
Account judges step：Judge whether the state of the credit accounts is normal, whether avail is more than or equal to is ordered
Single amount of money, if so, performing subsequent step；
Transaction performs step：Perform treatment of withholing, the gathering treatment of the trade company and the transaction procedure of the credit accounts
The calculating treatment for taking.
Preferably, the payment required parameter also includes that point account is detailed；The condition adjudgement step also includes：Judge a point account
Whether the state at family is normal；The transaction performs step also to be included：Perform the described point of gathering treatment of account.
Preferably, the payment required parameter also includes gateway number；The condition adjudgement step also includes：Judge the business
Whether the payment gateway at family is in opening state.
Preferably, the credit account information also includes the corresponding operator number of the credit accounts and trading password, its
In, each credit accounts includes one or more operators；The account judges that step also includes：Judge the operator and institute
Whether the corresponding relation for stating credit accounts is correct, and whether the trading password is correct, if so, performing subsequent step.
Preferably, methods described also includes refund step：Third-party payment platform is being entered an item of expenditure in the accounts according to the credit account phase of user
Odd-numbered day generates bill, and user carries out being refunded under online online refund or line according to the bill.
Preferably, the credit accounts be refund after ability single-candidate recover credit line revolver account or the new account phase from
The dynamic acyclic credit accounts for recovering current credit line in full.
According to another preferred embodiment of the invention, a kind of payment control system based on credit data is disclosed, including
Third-party payment platform, merchant server and user terminal, wherein：The Third-party payment platform specifically includes payment request and connects
Receive unit, first state judging unit, accounts information input block, the first account judging unit and the first transaction execution unit；
The request reception unit that pays is used to receive the payment request that user terminal is sent by merchant server, described to pay request
Parameter includes trade company number, order number and the order amount of money；The first state judging unit is used to judge that the state of the trade company to be
It is no normal；The accounts information input block includes for pointing out user input credit account information, the credit account information
Credit accounts number of the user in the trade company；Whether just the first account judging unit be used to judge the state of the credit accounts
Often, whether avail is more than or equal to the order amount of money；The first transaction execution unit is used for first state judging unit
With the first account judging unit all return it is normal pay request, perform the treatment of withholing of the credit accounts, the trade company
The calculating treatment that gathering treatment and transaction procedure take, and implementing result is fed back into user terminal by merchant server；It is described
The payment request that merchant server is used to submit to user terminal is uploaded to Third-party payment platform, and by Third-party payment platform
Implementing result feed back to user terminal；The user terminal is provided the user is put down by merchant server access Third-party payment
The interface of platform.
Preferably, the payment required parameter also includes that point account is detailed；The system also includes the second condition adjudgement unit
With the second transaction execution unit, whether the second condition adjudgement unit is for judging to divide the state of account normal；Described second
Transaction execution unit is used to perform the gathering treatment of point account.
Preferably, the payment required parameter also includes gateway number；The system also includes third state judging unit, uses
Whether opening state is in the payment gateway for judging the trade company.
Preferably, the credit account information also includes the corresponding operator number of the credit accounts and trading password, its
In, each credit accounts includes one or more operators；The system also includes the second account judging unit, for judging
State operator whether correct with the corresponding relation of the credit accounts, and whether the trading password is correct.
Preferably, the system also includes refund unit, for the credit account phase according to user in odd-numbered day generation account of entering an item of expenditure in the accounts
It is single, and, receive and refund under the online online refund or line that user carries out according to the bill.
Preferably, the credit accounts are the revolver account that ability single-candidate recovers credit line after refunding, or the new account phase
Automatically the acyclic credit accounts of current credit line in full are recovered.
Compared with prior art, the present invention has advantages below：
Third-party payment platform is user according to the parameters value (such as qualification, management condition and transactions history) of user
Certain amount and the credit accounts of account phase are provided respectively in different trade companies, and in available amount, user can not pass through
In the case that bank produces actual funds to pay, the network trading of safety is completed, so that speed up capital turnover efficiency, improves industry
Chain dollar return.
In further preferred embodiment of the present invention, by the detailed disposable branch of receivable gold by retail traders at different levels of point account
Pay, efficiency of fund operations can be further speeded up；Judged by trade company's payment gateway, operator is corresponding with the credit accounts to close
System judges, and trading password judges, can further improve the security of online payment.
Brief description of the drawings
Fig. 1 is the flow chart of payment control method first embodiment of the present invention based on credit data；
Fig. 2 is the flow chart of payment control method second embodiment of the present invention based on credit data；
Fig. 3 is the structural representation of payment control system one embodiment of the present invention based on credit data.
Specific embodiment
To enable the above objects, features and advantages of the present invention more obvious understandable, with reference to accompanying drawing and specific implementation
Mode introduces the several concepts relevant with network payment control before the present invention is further detailed explanation first：
Trade company：The Cooperation side of Third-party payment platform, is typically to provide the platform of network selling, and by with the 3rd
Square payment platform provides on-line payment service to being connected in the user done shopping on trade company's sales platform.
User：Buyer is generally understood as, is done shopping on trade company's platform, and the branch provided by Third-party payment platform
Pay passage (bank card or other virtual accounts) and complete on-line payment.Refer in particular to use Third-party payment platform credit accounts herein
The buyer for carrying out on-line payment.
Third-party payment platform：By providing being connected in trade company the on-line payment passage of its sales platform with commerce system,
Trade company of side completes gathering；For user opens up the credit accounts that can be paid on trade company's platform, online credit is provided the user
Bill payment mode.
Divide account：During one payment transaction, if beneficiary also has other beneficiaries in addition to trade company, Third-party payment is put down
Platform system can realize point account detail content that point account, i.e. Third-party payment platform are submitted to according to trade company in request is paid in real time,
Gathering fund is kept accounts in real time respectively to these beneficiaries in the virtual account of Third-party payment platform.
Account：Third-party payment platform open for user its Third-party payment platform a virtual account, and can
Credit accounts are opened under the account, the cash account or credit accounts under user's usable account carry out on-line payment.
Credit accounts：The account with certain credit line opened on the basis of user's Third-party payment platform virtual account
Family, can support that the credit line in the sub- account of credit of difference trade company belonging to opening, and the sub- account of specified credit must be in correspondence
Can be paid under affiliated trade company.
Operator number：Each Third-party payment platform account can support that many people use, and each of as same account makes
User each opens an operator number, is paid using respective operator number when paying.
Collect money sub- account：Divide in account process of exchange, there must be the virtual account of Third-party payment platform as beneficiary, and
The sub- account dedicated for being collected money on correspondence trade company platform must be opened in virtual account.Being collected money on different trade company's platforms needs
The sub- account of different gatherings is opened up respectively.
Reference picture 1, shows the flow of payment control method first embodiment of the present invention based on credit data, specific bag
Include following steps：
Step S101：Third-party payment platform is received user and is asked by the payment that merchant server sends；Above-mentioned payment
Required parameter includes trade company number, order number and the order amount of money；
Step S102：Judge whether the state of above-mentioned trade company is normal, if so, going to step S103；Otherwise, mistake letter is returned
Breath；
Step S103：Prompting user input credit account information, above-mentioned credit account information includes user in the trade company
Credit accounts number；
Step S104：Judge whether the state of above-mentioned credit accounts is normal, whether avail is more than or equal to order gold
Volume, if so, going to step S105；Otherwise, error message is returned；
Step S105：Perform the treatment of withholing of above-mentioned credit accounts, the gathering treatment of trade company and the calculating of transaction procedure expense
Treatment；And implementing result is fed back into user by merchant server.
Reference picture 2, shows the flow of payment control method second embodiment of the present invention based on credit data, specific bag
Include：
Step S201：User selects goods to place an order and initiate to pay request in merchant website；
Merchant website submits following payment required parameters to according to Third-party payment platform interface：
Step S202：Third-party payment platform checking trade company submits the legitimacy of parameter to；If so, going to step S203；Otherwise,
Return to error message；
In the preferred embodiment, after the legitimacy of checking above-mentioned parameter, also including signature verification step；If checking
Failure then reports an error；It is proved to be successful and then enters step S203；
Step S203：Third-party payment platform judges whether transaction trade company state is normal；If so, going to step S204；Otherwise,
Return to error message；
Step S204：Whether Third-party payment platform checking trade company credit payment gateway is open-minded；If so, going to step
S205；Otherwise, error message is returned；
Step S205：When payment required parameter includes that point account is detailed, the account status and subordinate for judging point account side are received
Whether fund account status are normal.If so, going to step S206；Otherwise (account of beneficiary does not exist/closing/un-activation, or
Sub- account of collecting money is not opened or closed), return to error message；
Step S206：Third-party payment platform determines whether repeat business：
If repeat business, then obtain former Transaction Information and judge whether former stateful transaction is successfully.If successful then report an error；
If non-successful, judge whether the order amount of money, point account information etc. are identical；If identical, S207 is gone to step；
If not repeat business, then go to step S207；
Step S207：Jump to Third-party payment platform pay the page, point out user input credit accounts operator number and
Trading password, user clicks on payment button and submits payment transaction to after being totally lost, and Third-party payment platform makes the following judgment：
Step S207-1：Judge that the corresponding Third-party payment platform account of payment operation person number whether there is and account status
It is whether normal.If not existing or account exists but state is improper (closing/freeze/cancellation), error message is returned；Otherwise turn
Step S207-2；
In the preferred embodiment, it is further to increase the security of network payment and the scalability of system, is each
Credit accounts are provided with one or more operators, and for each operator sets corresponding trading password.
Step S207-2：Judge whether the credit accounts under Third-party payment platform account have been opened and whether is account status
Normally.If credit accounts state is improper (not opening/freeze/close/cancellation), error message is returned；Otherwise, go to step
S208-3；
Step S207-3：Judge whether payment operation person's state is normal, if abnormal condition (closing/un-activation/close
Code lock), then return to error message；Otherwise, S207-4 is gone to step；
Step S207-4：Judge whether payment operation person's trading password is correct.If mistake, error message is returned to, and
Misregistration number of times；If correct, S208 is gone to step；
Step S208：Judge credit accounts avail whether more than or equal to payment；If so, going to step S209；
Otherwise, error message is returned；
For the assessment of user credit amount, the Third-party payment platform certificate that some must provide for except examination ＆ verification user
Outward, registered capital, trading volume need to be also gathered in existing subscriber's information record to transactions history, sets up that time, user are related to be provided
The parameters values such as matter and other objective factors, by the assessment algorithm of science, assess whether can user set up credit accounts.
If setting up, then credit accounts are set up automatically, and credit line, account phase etc. are set according to above-mentioned parameters value.
Step S209：Third-party payment platform carries out paying gathering accounting processing in real time, to trade company after completion accounting processing
Return to trading processing response；Including：
(1) correspondence credit accounts amount is carried out to withhold accounting processing；
(2) trade company/point account side's gathering accounting processing is carried out；
(3) transaction procedure is calculated in real time to take
User after being paid using Third-party payment platform credit accounts, subsequently by according to Third-party payment platform
Credit bill is refunded, and refund step S210 therein includes：
Step S210-1：Generation credit bill
Third-party payment platform is for user opens credit accounts while can be by Third-party payment platform for it sets phase
The credit account phase answered, that is, provide the odd-numbered day of entering an item of expenditure in the accounts, repayment date, basic credit line, interim credit line, whether revolver etc.
Information.
After user is paid using credit accounts, Third-party payment platform will go out the corresponding credit account phase according to user
Bill day automatically generates credit bill.
Step S210-2：Credit bill is refunded
Can be using mode of repayment under online refund or line.
It is online to refund：User can log in Third-party payment platform offer user platform inquiry bill information, and by
The mode that line bank card is supplemented with money is refunded on the net.
Refunded under line：Redrawing funds (such as bank card is transferred accounts, remitted money) can be given to third party by user otherwise
Payment platform, is refunded for user carries out follow-up bill by management backstage by Third-party payment platform staff and operated.
Third-party payment platform system automatic can answer repayment date to inquire about for whether bill fully to have refunded in user, if
Refund in full is then taken off fund and goes back bill automatically from the cash account of user's Third-party payment platform account automatically, if answering
Refund everyday whole, user is not also in full to refund, then Third-party payment platform system will turn off the credit accounts of user, user
Will be unable to carry out delivery operation again.
Step S210-3：Credit line is recovered
Third-party payment platform credit line pattern is divided into following two：
Revolver：Ability single-candidate recovers credit line after only refunding；
Acyclic credit：The new account phase, regardless of whether refund all recovers current credit line in full automatically.
It is simple in order to describe for foregoing each method embodiment, therefore it is all expressed as a series of combination of actions, but
It is that those skilled in the art should know, the present invention is not limited by described sequence of movement, because according to the present invention,
Some steps can serially or simultaneously be performed using other；Secondly, those skilled in the art should also know, the above method is implemented
Example belongs to preferred embodiment, necessary to involved action and the module not necessarily present invention.
Reference picture 3, shows the structured flowchart of payment control system one embodiment of the present invention based on credit data, including
Third-party payment platform 31, merchant server 32 and user terminal 33, wherein：
Merchant server 32：Payment request for user terminal 33 to be submitted to is uploaded to Third-party payment platform 31, and
The implementing result of Third-party payment platform 31 is fed back into user terminal 33；
User terminal 33：Provide the user the interface that Third-party payment platform 31 is accessed by merchant server 32；
Third-party payment platform 31：Specifically include payment request reception unit 31-1, first state judging unit 31-2, account
Family information input unit 31-3, the first account judging unit 31-4 and the first transaction execution unit 31-5, and, the second state is sentenced
Disconnected unit 31-6, the second transaction execution unit 31-7, third state judging unit 31-8, the second account judging unit 31-9 and also
Money unit 31-0；
Paying request reception unit 31-1 is used to receive the payment request that user terminal 33 is sent by merchant server 32；
Wherein, paying required parameter includes trade company number, order number, the order amount of money, point account detail, gateway number
First state judging unit 31-2 be used for judge trade company and user the credit accounts of the trade company state whether just
Often；
Accounts information input block 31-3 includes for pointing out user input credit account information, the credit account information
User is in the credit accounts number of the trade company, the corresponding operator number of credit accounts and trading password；
First account judging unit 31-4 is used to judge whether the state of above-mentioned credit accounts to be normal, and whether avail is big
In or equal to the order amount of money；
First transaction execution unit 31-5 is used for first state judging unit 31-2 and the first account judging unit 31-4
All return to normal payment to ask, perform the treatment of withholing of credit accounts, the gathering treatment of trade company and the calculating of transaction procedure expense
Treatment, and implementing result is fed back into user terminal 33 by merchant server 32；
Second condition adjudgement unit 31-6 is used to judge whether the state of point account is normal；
Second transaction execution unit 31-7 is used to perform the gathering treatment of point account；
Third state judging unit 31-8 is used in the first transaction execution unit 31-5 and the second transaction execution unit 31-7
Judge the payment gateway of corresponding trade company whether in opening state before；If not open-minded, cancel follow-up transaction and performed
Journey；
Second account judging unit 31-9 is used in the first transaction execution unit 31-5 and the second transaction execution unit 31-7
Judge whether operator is correct with the corresponding relation of credit accounts before, and whether the trading password is correct；If it is not, then taking
The transaction implementation procedure for disappearing follow-up；
Wherein, each credit accounts is provided with one or more operators；
Refund unit 31-0 is used for the credit account phase according to user in odd-numbered day generation bill of entering an item of expenditure in the accounts, and, receive user's root
The online online refund carried out according to the bill is refunded under line.
It should be noted that said apparatus embodiment belongs to preferred embodiment, involved unit and module might not
Necessary to being the present invention.
Each embodiment in this specification is described by the way of progressive, what each embodiment was stressed be with
The difference of other embodiment, between each embodiment identical similar part mutually referring to.For system of the invention
For system embodiment, because it is substantially similar to embodiment of the method, so description is fairly simple, related part is referring to method reality
Apply the part explanation of example.
Detailed Jie has been carried out to a kind of payment control method and system based on credit data provided by the present invention above
Continue, specific case used herein is set forth to principle of the invention and implementation method, the explanation of above example is only
It is to be used to help understand the method for the present invention and its core concept；Simultaneously for those of ordinary skill in the art, according to this hair
Bright thought, be will change in specific embodiments and applications, and in sum, this specification content should not be managed
It is limitation of the present invention to solve.
Claims (10)
1. a kind of payment control method based on credit data, it is characterised in that the system for performing methods described includes third party
Payment platform, methods described includes：
Pay request step：Third-party payment platform is received user and is asked by the payment that merchant server sends, the payment
Required parameter includes trade company number, order number and the order amount of money；
Condition adjudgement step：Judge whether the state of the trade company is normal, if so, performing subsequent step；
Account input step：Prompting user input credit account information；The credit accounts are that Third-party payment platform is user
What is opened up is capable of the virtual account of on-line payment, and corresponding to the sub- account of credit that different trade companies open corresponding credit line,
The credit account information includes user in the credit accounts number of the trade company, the corresponding operator number of the credit accounts and transaction
Password, wherein, each credit accounts includes one or more operators；
Account judges step：Judge whether the state of the credit accounts is normal, whether avail is more than or equal to order gold
Whether volume, the operator is correct with the corresponding relation of the credit accounts, and whether the trading password is correct, if so,
Perform subsequent step；
Transaction performs step：Perform the treatment of withholing of the credit accounts, the gathering treatment of the trade company and transaction procedure expense
Calculating is processed.
2. the method for claim 1, it is characterised in that：
The payment required parameter also includes that point account is detailed；
The condition adjudgement step also includes：Judge whether the state of point account is normal；
The transaction performs step also to be included：Perform the described point of gathering treatment of account.
3. the method for claim 1, it is characterised in that：
The payment required parameter also includes gateway number；
The condition adjudgement step also includes：Judge the payment gateway of the trade company whether in opening state.
4. the method for claim 1, it is characterised in that methods described also includes refund step：Third-party payment platform
The credit account phase according to user, user carried out being gone back under online online refund or line according to the bill in odd-numbered day generation bill of entering an item of expenditure in the accounts
Money.
5. the method for claim 1, it is characterised in that：
The credit accounts are that ability single-candidate recovers the revolver account of credit line or the new account phase recovers current automatically after refunding
The acyclic credit accounts of credit line in full.
6. a kind of payment control system based on credit data, it is characterised in that including Third-party payment platform, merchant server
And user terminal, wherein：
The Third-party payment platform specifically includes payment request reception unit, first state judging unit, accounts information input
Unit, the first account judging unit, the second account judging unit and the first transaction execution unit；
The request reception unit that pays is used to receive the payment request that user terminal is sent by merchant server, the payment
Required parameter includes trade company number, order number and the order amount of money；
The first state judging unit is used to judge whether the state of the trade company is normal；
The accounts information input block is used to point out user input credit account information, and the credit accounts are Third-party payment
The virtual account for being capable of on-line payment that platform is opened up for user, and the letter of corresponding credit line is opened corresponding to different trade companies
Sub- account is used, the credit account information includes credit accounts number, the credit accounts corresponding operation of the user in the trade company
Member number and trading password, wherein, each credit accounts includes one or more operators；
The first account judging unit is used to judge whether the state of the credit accounts normal, avail whether be more than or
Equal to the order amount of money；
Whether the second account judging unit is correct with the corresponding relation of the credit accounts for judging the operator, with
And whether the trading password is correct；
The first transaction execution unit is used to judge first state judging unit, the first account judging unit and the second account
Unit all returns to normal payment and asks, and performs the treatment of withholing of the credit accounts, the gathering of the trade company and processes and conclude the business
The calculating treatment of service charge, and implementing result is fed back into user terminal by merchant server；
The payment request that the merchant server is used to submit to user terminal is uploaded to Third-party payment platform, and by third party
The implementing result of payment platform feeds back to user terminal；
The user terminal provides the user the interface that Third-party payment platform is accessed by merchant server.
7. system as claimed in claim 6, it is characterised in that the payment required parameter also includes that point account is detailed；The system
System also includes the second condition adjudgement unit and the second transaction execution unit, and the second condition adjudgement unit is used to judge a point account
State it is whether normal；The second transaction execution unit is used to perform the gathering treatment of point account.
8. system as claimed in claim 6, it is characterised in that the payment required parameter also includes gateway number；The system
Also include third state judging unit, for judging the payment gateway of the trade company whether in opening state.
9. system as claimed in claim 6, it is characterised in that the system also includes refund unit, for according to user's
The credit account phase enter an item of expenditure in the accounts the odd-numbered day generation bill, and, receive user according to the bill carry out it is online online refund or line under
Refund.
10. system according to claim 6, it is characterised in that：
The credit accounts are the revolver account that ability single-candidate recovers credit line after refunding, or the new account phase recovers current automatically
The acyclic credit accounts of credit line in full.
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| CN201210433547.1A CN102968715B (en) | 2012-11-02 | 2012-11-02 | A kind of payment control method and system based on credit data |
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| CN201210433547.1A CN102968715B (en) | 2012-11-02 | 2012-11-02 | A kind of payment control method and system based on credit data |
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