CN118071338A - WeChat payment-based public-private payment method and system - Google Patents

Abstract

The invention discloses a public-private payment method and a public-private payment system based on WeChat payment, which relate to the technical field of instant payment and comprise the steps of collecting payment support data and uploading the payment support data; after collecting the WeChat wallet address of the payment object, sending a payment instruction to a partner financial institution; and the financial institution receives the payment instruction and sends the payment instruction to the WeChat, and after the authentication is completed, the financial institution pays to the WeChat wallet of the payment object. The intelligent system and the intelligent method have the advantages that eight scenes such as channel cleaning, sporadic labor service, class and compensation fee and the like are comprehensively applied to all units in the system, and intelligent functions such as work order association, personnel positioning, weather acquisition, statistical analysis and the like are realized. The cash is not needed, the risk hidden danger of standby gold payment is thoroughly eliminated, the public-private instant payment pain point is overcome, and the risk of staff pay-through encroaching and stealing is effectively prevented.

Description

WeChat payment-based public-private payment method and system

Technical Field

The invention relates to the technical field of instant payment, in particular to a public-private payment method and system based on WeChat payment.

Background

The enterprise borrows and pays to the personal account, namely public to the problem of the private payment mode is mainly for the staff to borrow and transact the amount of the relevant business great, and borrow all pays the personal bank card of the sponsor, pay again to pay the object, has increased the degree of difficulty of fund supervision, exists great security risk. Therefore, strict management is required to be carried out on borrowing and corresponding reimbursement flow, and management of borrowing is standardized so as to realize that cash is not too much and the payment timeliness is improved, and meanwhile, the workload that operators collect data to and fro the site and then transact payment to a unit financial department is reduced, so that the effect of supervising the whole payment process is achieved.

At present, the fund payment flow of the existing public-private payment mode is long, so that the on-site operation payment cannot be timely carried out, and hidden danger is brought to the safety and reliability of the work business. In addition, because the on-site payment cannot be carried out, the operation items cannot be completed in time, and the staff needs to go to the operation site for many times, so that the expenditure of the related working expenses such as travel expenses is increased. Furthermore, the fund payment is not timely, and the user complains, so that the credit of the company is easily negatively influenced. Therefore, a WeChat is widely accepted and used as a third party expense platform by the masses, and a public-to-private method and a system capable of paying based on the WeChat are needed, so that a bank account to WeChat change account public-to-private instant payment tool can be realized, multi-platform data fusion and multiple coping mechanisms are realized, and payment safety is ensured.

Disclosure of Invention

The present invention has been developed in view of the problems associated with the existing public-to-private payment methods.

The problem to be solved by the invention is therefore how to realize cash without going to hand and to increase the timeliness of payments.

In order to solve the technical problems, the invention provides the following technical scheme:

in a first aspect, an embodiment of the present invention provides a public-to-private payment method based on WeChat payment, which includes collecting payment support data and uploading the payment support data; after collecting the WeChat wallet address of the payment object, sending a payment instruction to a partner financial institution; and the financial institution receives the payment instruction and sends the payment instruction to the WeChat, and after the authentication is completed, the financial institution pays to the WeChat wallet of the payment object.

As a preferable scheme of the public-private payment method based on WeChat payment, the invention comprises the following steps: the payment supporting data is uploaded through a network carrier and comprises payment object identity information, service site photos and a payment protocol; and the address information of the WeChat wallet of the payment object is acquired through a WeChat terminal.

As a preferable scheme of the public-private payment method based on WeChat payment, the invention comprises the following steps: the online uploading payment supporting data is uploaded through a network carrier; the payment supporting data comprises payment object identity information, service site photos and a payment protocol; and the WeChat wallet address information of the collected payment object is acquired through a WeChat public number or a WeChat applet terminal.

In a second aspect, an embodiment of the present invention provides a public-to-private payment system based on WeChat payment, including: the payment unit comprises a right management module, a personnel management module, an accessory management module, a data statistics and report module, an early warning function module, an amount management module, a safe payment module, an associated work order module, an identity card identification module, an approval function module and a payment instruction initiating module; the personnel management module is used for acquiring personnel information; the feedback unit is used for receiving the payment instruction pushed by the payment unit and finishing payment and feeding back a payment result to the payment unit; the WeChat applet receives the mobile phone number of the payment object pushed by the payment unit and returns user identity information; and the financial management platform is used for automatically generating a reimbursement bill and a fee register bill after receiving the reimbursement bill which is pushed to the payment unit and pushing borrowing information, a work bill and project information to the payment unit.

As a preferable scheme of the public-private payment system based on WeChat payment, the invention comprises the following steps: the payment unit also comprises a short message notification module, a password management module, a login function module, a weather abnormality judgment module, an automatic account reporting module of the to-be-handled notification module, an associated project module, a position acquisition module, a statistical analysis module, a timing automatic reflecting module, an associated refund information module and an automatic acquisition limit module; the early warning function module judges whether repeated operation exists in a certain range according to the positioning information of operators in a certain period, and if the repeated operation exists, early warning is carried out in auditing.

As a preferable scheme of the public-private payment system based on WeChat payment, the invention comprises the following steps: the feedback unit is provided with an encryption protocol, and the payment instruction sent by the financial institution is encrypted, and the payment instruction can be initiated only after an operator pays a password.

As a preferable scheme of the public-private payment system based on WeChat payment, the invention comprises the following steps: the auditing flow of the approval functional module comprises pre-approval, safety verification and comprehensive approval; the pre-trial batch is that when a user initiates a payment request, the system firstly carries out preliminary risk assessment, and the risk level of the payment is assessed by considering the past transaction record of the payment object, the current transaction mode and other related data.

Different payment amounts are set according to enterprise management requirements, approval authorities corresponding to the payment amounts and maximum payment limits are set, and the method specifically comprises the following steps: when the payment amount is smaller than the lower limit of the amount set according to the enterprise management requirements and the risk level is low, setting two-stage auditing, and allowing a business department responsible person to approve after a sponsor initiates an instruction; when the payment amount is larger than the set two-stage auditing amount, the personnel of the financial department need to conduct second auditing or signing in addition to auditing or rechecking of the business department responsible person; when the payment initiated by the same person on a single day reaches or exceeds two, the amount reaches or exceeds the upper limit, or the risk level is high, the mark is the person to be checked and the signer to check.

The comprehensive approval is carried out according to the results of pre-approval and preliminary risk assessment, and specifically comprises the following steps: if no, directly entering the next step; if the mark is the responsible person of the business department for rechecking, the next step is carried out after rechecking; if the mark is the recheck of the recheck person and the check of the check person, the two-stage check and approval pass and then enter the next step.

As a preferable scheme of the public-private payment system based on WeChat payment, the invention comprises the following steps: the rights management unit comprises a rights application module, a rights auditing module, a personnel list module, an aging and money amount function module and an allocation history checking module; the permission application module is executed by an operator, the permission auditing module is executed by a rechecker, and the timeliness and money amount function module is executed by the rechecker and the signer.

As a preferable scheme of the public-private payment system based on WeChat payment, the invention comprises the following steps: the permission application module comprises a mobile terminal for short message verification; setting a payment password; submitting a permission application; waiting for auditing or hastening; the authority auditing method comprises the following steps: entering a mobile terminal; click right management; checking click permission; clicking and auditing; confirming operation timeliness and filling in authority auditing results; finishing the auditing; the aging and money amount functions comprise the following steps: the signer enters the mobile terminal; click right management; click aging and amount distribution; selecting departments; completing the amount distribution and time effect setting of departments; the rechecking person enters the mobile terminal; click right management; click aging and amount distribution; entering a personnel list to select personnel; and (5) finishing the sum distribution, authority distribution and time-effect setting of personnel.

In a third aspect, embodiments of the present invention provide a computer apparatus comprising a memory and a processor, the memory storing a computer program, wherein: and the processor executes the computer program to realize any step of the public-private payment method based on WeChat payment.

In a fourth aspect, embodiments of the present invention provide a computer-readable storage medium having a computer program stored thereon, wherein: the computer program when executed by the processor implements any of the steps of the public-to-private payment method based on WeChat payment described above.

The intelligent system has the beneficial effects that the intelligent system comprehensively applies eight scenes such as channel cleaning, sporadic labor service, class fee and the like (the scenes can be designed and customized by enterprises according to own management requirements), and intelligent functions such as work order association, personnel positioning, weather acquisition, statistical analysis and the like to all units in the system. The cash is not needed, the risk hidden danger of standby gold payment is thoroughly eliminated, and the public-private instant payment pain point is overcome.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. Wherein:

Fig. 1 is a system configuration diagram of a public-to-private payment system based on WeChat payment.

Fig. 2 is an overall flowchart of a public-to-private payment method based on WeChat payment.

Fig. 3 is a schematic diagram of the funds flow of a public-to-private payment method based on WeChat payment.

Detailed Description

So that the manner in which the above recited objects, features and advantages of the present invention can be understood in detail, a more particular description of the invention, briefly summarized above, may be had by reference to the embodiments, some of which are illustrated in the appended drawings. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, but the present invention may be practiced in other ways other than those described herein, and persons skilled in the art will readily appreciate that the present invention is not limited to the specific embodiments disclosed below.

Further, reference herein to "one embodiment" or "an embodiment" means that a particular feature, structure, or characteristic can be included in at least one implementation of the invention. The appearances of the phrase "in one embodiment" in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments.

While the embodiments of the present invention have been illustrated and described in detail in the drawings, the cross-sectional view of the device structure is not to scale in the general sense for ease of illustration, and the drawings are merely exemplary and should not be construed as limiting the scope of the invention. In addition, the three-dimensional dimensions of length, width and depth should be included in actual fabrication.

Also in the description of the present invention, it should be noted that the orientation or positional relationship indicated by the terms "upper, lower, inner and outer", etc. are based on the orientation or positional relationship shown in the drawings, are merely for convenience of describing the present invention and simplifying the description, and do not indicate or imply that the apparatus or elements referred to must have a specific orientation, be constructed and operated in a specific orientation, and thus should not be construed as limiting the present invention. Furthermore, the terms "first, second, or third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.

The terms "mounted, connected, and coupled" should be construed broadly in this disclosure unless otherwise specifically indicated and defined, such as: can be fixed connection, detachable connection or integral connection; it may also be a mechanical connection, an electrical connection, or a direct connection, or may be indirectly connected through an intermediate medium, or may be a communication between two elements. The specific meaning of the above terms in the present invention will be understood in specific cases by those of ordinary skill in the art.

Example 1

Referring to fig. 1 to 3, a first embodiment of the present invention provides a public-to-private payment method based on WeChat payment, including:

S1: and collecting payment support data and uploading the payment support data.

Specifically, the payment support data is uploaded through a network carrier, and the network carrier comprises a mobile terminal or a pc terminal. The payment support data specifically comprises payment object identity information, service site photos, payment protocols and the like, and the payment support data is used for proving the authenticity of the service.

Further, the field staff logs in the mobile terminal, then creates a payment work order, selects a service type, and can acquire payment support data such as identification card information of a payment object by photographing and uploading an accessory.

S2: and after the WeChat wallet address of the payment object is acquired, sending a payment instruction to the cooperative financial institution.

Specifically, the WeChat wallet address information of the payment object is mainly obtained through a WeChat terminal, such as WeChat public number or WeChat applet.

Further, the mobile terminal is filled with the mobile phone number of the payment object and pushed to the WeChat terminal through the interface, the WeChat terminal is matched with openID corresponding to the mobile phone number according to the mobile phone number, the query result is returned to the mobile terminal through the interface, if openID corresponding to the mobile phone number cannot be queried, the mobile terminal prompts the payment object that the mobile phone number is not bound to the WeChat terminal, on-site staff is required to guide a user to scan the two-dimensional code of the WeChat terminal, the binding is accessed and completed, after identity information and payment supporting data of a payee are acquired, payment amount is filled in, and after submission, the user enters the audit.

S3: and the financial institution receives the payment instruction and sends the payment instruction to the WeChat, and after the authentication is completed, the financial institution pays to the WeChat wallet of the payment object.

Specifically, the payment work order is required to pass through three-level approval (first-level is input, second-level is approval or rechecking, third-level is approval or rechecking, three persons are passed through, and only two-level approval is required after the set amount is exceeded, otherwise, the payment work order is required to pass through two persons, the approval is transmitted to a financial institution cooperated with a company through an interface, and the payment instruction comprises information such as payee information, mobile phone numbers, openid, payment amount, 4A account numbers of sponsors, codes of affiliated district and county offices and the like.

The third-level approval refers to: in consideration of the fund safety problem, a background is newly added with a function for setting audit conditions below three levels, an administrator sets audit conditions below three levels as required, when a sponsor submits a payment application form, the system judges that a plurality of levels of audit are required to be carried out according to the set audit conditions, audit roles are in one-to-one correspondence with audit levels, the system automatically pushes a flow to auditors corresponding to the audit levels, and the mobile terminal is subjected to adaptive transformation, so that the requirements of financial fund management and control are met. The auditing conditions are set from two aspects of payment amount and payment times, and specifically are as follows: when the payment amount is smaller than the set limit, only secondary verification is needed; when the payment amount is greater than or equal to the set limit, three-level auditing is needed, and a background manager can set the payment limit corresponding to the two-level auditing and the three-level auditing; when the payment times of a single day for the same day exceeds the set times, three-level auditing is needed, and a background manager can set the payment times.

Specifically, a financial institution affiliated with the corporation transfers the corresponding payment amount from the corporation to the public account to the corporation's WeChat account in accordance with the payment instruction. Before the public-private payment service is performed, the relevant financial staff logs in the mobile terminal, the line of the department requiring the public-private payment service is set, and after the setting is completed, the line of the department is distributed to the service sponsor as required by the department responsible person of the department.

Further, the financial institution affiliated with the company recognizes the received payment instruction information and credits the amount to be paid from the spare gold account of the company at the financial institution affiliated with the company to the WeChat wallet account of the company.

S4: a WeChat wallet that pays to the payee object through WeChat.

Specifically, the WeChat payment deducts funds from the WeChat wallet account of the company to the payee's personal WeChat change wallet according to the payment request, and the payment is completed. And feeding back the receipt to the mobile terminal through the interface according to the payment result.

Example 2

Referring to fig. 1 to 3, in a second embodiment of the present invention, a public-to-private payment system based on WeChat payment is provided, including:

the payment unit comprises a right management module, a personnel management module, an accessory management module, a data statistics and report module, an early warning function module, an amount management module, a safe payment module, an associated work order module, an identity card identification module, an approval function module and a payment instruction initiating module; the personnel management module is used for acquiring personnel information.

And the feedback unit is used for receiving the payment instruction pushed by the payment unit, completing payment and feeding back the payment result to the payment unit.

The WeChat terminal comprises a WeChat applet, which receives the mobile phone number of the payment object pushed by the payment unit and returns the user identity information.

And the financial management platform is used for automatically generating a reimbursement bill and a fee register bill after receiving the reimbursement bill which is pushed to the payment unit and pushing borrowing information, a work bill and project information to the payment unit. Further, the payment unit further comprises a short message notification module, a password management module, a login function module, a weather abnormality judgment module, an automatic account reporting module of the to-be-handled notification module, an associated project module, a position acquisition module, a statistical analysis module, a timing automatic reflecting module, an associated refund information module and an automatic acquisition limit module.

The early warning function module judges whether repeated operation exists in a certain range according to positioning information of production personnel in a certain period, and if the repeated operation exists, early warning is carried out in auditing.

Preferably, the feedback unit is provided with an encryption protocol, and encrypts a payment instruction sent by the financial institution, wherein the payment instruction can be initiated only after an operator pays a password.

It should be noted that the auditing process of the approval functional module comprises pre-approval, security verification and comprehensive approval;

the pre-approval is that each time a user initiates a payment request, the system firstly carries out preliminary risk assessment, and the risk level of the payment is assessed by considering the past transaction records of the payment object, the current transaction mode and other related data.

Further, when the payment amount is smaller than the lower limit of the amount set according to the enterprise management requirements and the risk level is low, two-stage auditing is set, and after a sponsor initiates an instruction, a business department responsible person approves the instructions; when the payment amount is larger than the set two-stage auditing amount, the personnel of the financial department need to conduct second auditing or signing in addition to auditing or rechecking of the business department responsible person; when the payment initiated by the same person on a single day reaches or exceeds two, the amount reaches or exceeds the upper limit, or the risk level is high, the mark is the person to be checked and the signer to check. It should be noted that the single day is first limited to no more than 2 ten thousand yuan.

Comprehensive approval is carried out according to the results of pre-approval and preliminary risk assessment, and if no mark exists, the next step is directly carried out; if the mark is the responsible person of the business department for rechecking, the next step is carried out after rechecking, and if the mark is the rechecking of the rechecking person and the checking of the checking person, the two-stage checking and approval are carried out after passing the next step.

Furthermore, before entering the security verification, the payment object needs to complete multi-factor authentication, wherein the multi-factor authentication comprises fingerprint, facial recognition or mobile phone short message verification code; the security verification process comprises the following steps:

using the current time Tc of the system and the provided time stamp Ts, the formula is as follows:

ΔT＝Tc-Ts；

Wherein DeltaT is the time difference, tc is the current time of the system, and Ts is the time stamp;

If Δt is within the preset range Δ Tpreset, the corresponding security key K is found according to the payment terminal identifier, and the second security verification code V2 is generated using the security key K and the time stamp Ts, where the formula of the second security verification code V2 is as follows:

V2＝g(K,Ts)；

Where g is an encryption function;

Comparing the first security verification code V1 provided by the payment object with the second security verification code V2 generated by the system, if the first security verification code V1 is matched with the second security verification code V2, continuing, otherwise prompting verification failure;

the comprehensive approval is carried out according to the results of pre-approval and preliminary risk assessment, and specifically comprises the following steps:

if no, directly entering the next step;

If the mark is the responsible person of the business department for rechecking, the next step is carried out after rechecking;

If the mark is the recheck of the recheck person and the check of the check person, the two-stage check and approval pass and then enter the next step.

Further, the authority management unit comprises an authority application module, an authority auditing module, a personnel list module, an aging and money amount function module and an allocation history checking module; the authority application module is executed by an operator, the authority auditing module is executed by a rechecker, and the timeliness and monetary function module is executed by the rechecker and the signer.

In addition, the permission application module comprises a short message verification access mobile terminal; setting a payment password; submitting a permission application; waiting for auditing or hastening. The authority auditing method comprises the following steps: entering a mobile terminal; click right management; checking click permission; clicking "audit"; confirming operation timeliness and filling in authority auditing results; and finishing the auditing.

The aging and money amount functions specifically comprise the following steps: the signer enters the mobile terminal; click right management; click aging and amount distribution; selecting departments; completing the amount distribution and time effect setting of departments; the rechecking person enters the mobile terminal; click right management; click aging and amount distribution; entering a personnel list to select personnel; and (5) finishing the sum distribution, authority distribution and time-effect setting of personnel.

Preferably, when the payment application is initiated, the payment application work order is mainly carried out in the mobile terminal payment application module by an operator, and at present, the services of channel cleaning, young seedling pay, pre-charge withdrawal, sporadic purchasing and the like exist, and the demonstration is taken as an example of the sporadic purchasing service. Initiate payment application (operator): short message verification enters a mobile terminal; clicking a payment application; clicking a "+" new added work order; selecting a 'sporadic purchasing' service; uploading a payee identity card, inputting a payee mobile phone number and verifying a short message; clicking the next step to obtain openid; uploading payment data and inputting payment amount; and submitting a work order.

When checking, the check payment application is mainly carried out in the check module by a check person (department responsible person), and the mobile terminal and the web terminal have check functions, so that the check person can check the work order at any time and any place conveniently, the check space limit is broken, the operation is convenient, the check efficiency is improved, and the check time is shortened. The rechecking step is as follows: short message verification enters a mobile terminal; clicking rechecking to enter a list to be rechecked; clicking a work order needing to be checked; filling in a rechecking result; and submitting the result to complete rechecking.

When signing, the third-level payment signing (rechecking) payment application work order is mainly carried out by a signer at the signing module, and the mobile terminal and the web terminal have signing functions, so that the signer can conveniently sign the work order anytime and anywhere, the rechecking space limitation is broken, the operation is convenient, the rechecking efficiency is improved, and the signing duration is shortened. The signing step is as follows: short message verification enters a mobile terminal; click signing; clicking a work order to be signed; selecting a signature result (pass/retract); filling in a notice; and submitting the result and completing the signing.

When the payment is completed, a financial institution cooperated with the company receives the payment instruction, and pays money to the micro-letter wallet of the payee by using the prepared payment account according to the information in the payment instruction. And feeding back a payment result and a payment receipt to the mobile terminal by a financial institution cooperated with the company, wherein the payment result is that the payment is successful, and the work order state is changed into paid, so that the payment is completed. It should be noted that the work order of the payment failure can be reinitiated by the operator, the work order to be checked and signed is not required to be checked and signed again, and the system sends the payment instruction to the financial institution again.

And finally, when the payment is managed, the administrator has the authority of freezing the money, can freeze the department borrowing amount, the personnel borrowing amount and the work order payment amount at any time, and the frozen back department and the personnel borrowing amount cannot be used and cannot be paid on a work order. The freezing operation steps are as follows: freezing (manager) the login mobile terminal and the web terminal; clicking payment management; department dimension/personnel dimension/worksheet dimension; click freezing is performed according to the requirements. After freezing, thawing can be performed

The embodiment also provides a computer device, which is suitable for the situation of a public-to-private payment method based on WeChat payment, and comprises a memory and a processor; the memory is configured to store computer executable instructions, and the processor is configured to execute the computer executable instructions to implement the public-private payment method based on WeChat payment as set forth in the above embodiment.

The computer device may be a terminal comprising a processor, a memory, a communication interface, a display screen and input means connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

The present embodiment also provides a storage medium having stored thereon a computer program which, when executed by a processor, implements a public-to-private payment method for implementing WeChat-based payment as proposed in the above embodiments.

The storage medium according to the present embodiment belongs to the same inventive concept as the data storage method according to the above embodiment, and technical details not described in detail in the present embodiment can be seen in the above embodiment, and the present embodiment has the same advantageous effects as the above embodiment.

In conclusion, the intelligent system and the intelligent method have the advantages that eight scenes such as channel cleaning, sporadic labor service, class and compensation fee and the like are comprehensively applied to all units in the system, and intelligent functions such as work order association, personnel positioning, weather acquisition, statistical analysis and the like are realized. The cash is not needed, the risk hidden danger of standby gold payment is thoroughly eliminated, and the public-private instant payment pain point is overcome.

Example 3

Referring to fig. 1 to 3, in order to provide a third embodiment of the present invention, based on the first two embodiments, the system provided by the present invention may be further integrated with a financial system and an asset system of an enterprise in a lateral direction. The whole flow control and management promotion are achieved, different systems do not need to be logged in, the operation is simple, the flow is simplified, and the payment system is more convenient and faster than the existing payment system.

Example 4

Referring to fig. 1 to 3, a fourth embodiment of the present invention is based on the first three embodiments, and the present invention has the following implementation scenarios:

sporadic labor payment scenario: selecting a service type page, and adding a 'sporadic labor service' option; newly adding a production operation option, wherein the production operation is needed to acquire an associated work order through interaction with an enterprise management platform; directly entering a payee identity information collection page if the production operation is not performed; the newly added payee identity card accessory is uploaded, the identity card name and the identity card number can be intelligently identified, and the newly added payee identity card accessory is automatically rewritten to the name and the identity card number column; inputting the mobile phone number of the payee and obtaining a verification code; after the collection of the information of the payee is completed, clicking the next step, and acquiring the payee openid through integration with an enterprise management platform; the payee information collection page removes the option of whether to pay the payee; the accessory uploading page is added with the following accessory uploading entries corresponding to the service types: payee identification card, invoice (not necessarily filled), receipt labor evidence (business sector signature approval), labor agreement (not necessarily filled).

Sporadic oil fee payment scenario: selecting a service type page, and adding a 'sporadic oil cost' option; the newly added payee identity card accessory is uploaded, the identity card name and the identity card number can be intelligently identified, the payee mobile phone number can be input, and the verification code can be obtained; after the collection of the payee information is completed, the payee openid can be obtained by integrating with an enterprise management platform; providing an option of paying to the principal, and collecting the information of the payee, wherein identity card accessories of the principal and the payee need to be uploaded, and the identity card accessories of the principal need only to be uploaded instead of paying to the principal; the accessory uploading page is added with the following accessory uploading entries corresponding to the service types, and pays to the user to upload the following accessories: business license, legal identity card (payee), invoice, accessories are all necessary to be filled; not pay to the principal: the accessories are all necessary to be filled with legal identity cards, authorized delegated books, authorized identity cards (payees), business licenses and invoices.

Expert fee scene: newly adding an expert charge service type option, and developing a corresponding operation page in a personalized way to enrich payment scenes, wherein the method comprises the following specific steps: selecting a business type page, and adding an 'expert fee' option; the newly added payee identity card accessory is uploaded, the identity card name and the identity card number can be intelligently identified, the payee mobile phone number can be input, and the verification code can be obtained; after the collection of the payee information is completed, the payee openid can be obtained by integrating with an enterprise management platform; the accessory uploading page is added with the following accessory uploading entries corresponding to the service types: the invoice (original paper), the expert consultation fee issuing table (original paper), the review meeting notification, the review expert meeting check-in table and the review opinion (original paper key page) are all necessary to fill.

Class fee payment scenario: newly adding a class and remuneration service type option, and personalizing and developing a corresponding operation page to enrich payment scenes, wherein the specific steps are as follows: selecting a business type page, and adding a class fee option; the newly added payee identity card accessory is uploaded, the identity card name and the identity card number can be intelligently identified, the payee mobile phone number can be input, and the verification code can be obtained; after the collection of the payee information is completed, the payee openid can be obtained by integrating with an enterprise management platform; the accessory uploading page is added with the following accessory uploading entries corresponding to the service types: training notices, training check-in lists, invoices, on-site training photographs, accommodation details lists (accommodation fees) (not necessarily filled), dining condition registration lists (food rates) (not necessarily filled), details lists and lead lists (books and materials purchased) (not necessarily filled), education and training project settlement lists, and class payment issuing lists.

House lease fee payment scenario:

Newly increasing a service type option of 'house lease fees', and personalizing and developing a corresponding operation page to enrich payment scenes, wherein the service type option comprises the following specific steps: selecting a business type page, and adding a house lease fee option; the newly added payee identity card accessory is uploaded, the identity card name and the identity card number can be intelligently identified, the payee mobile phone number can be input, and the verification code can be obtained; after the collection of the payee information is completed, the payee openid can be obtained by integrating with an enterprise management platform; the accessory uploading page is added with the following accessory uploading entries corresponding to the service types: invoice, agreement (above a predetermined amount) (not necessarily filled), price inquiry proof of the third party (below a predetermined amount) (not necessarily filled), lessor identification card (payee), proof that the payee is able to handle (rent) the right to the property.

In summary, the invention supports the self-defined payment scene, the enterprises modify and delete the existing payment scene at any time according to the payment scene required by the enterprises, and the enterprises can add the payment scene, and the enterprises administrator can name the added payment scene; carrying out constraint condition configuration on the newly added payment scene, if so, paying the newly added payment scene to the person, and if not associating with a work order; the uploading accessories can be customized, and the accessories required to be uploaded for the scene can be customized by clicking the adding button, including the names of the accessories, whether the accessories must be uploaded or not, and the like.

The invention has the following characteristics:

(1) The method has at least 5 on-site instant payment scenes, and realizes that a manager can complete the whole payment process through a mobile phone.

(2) The method realizes the position positioning, operation plan association, weather acquisition and statistical analysis of production operators, and deepens the application intellectualization.

(3) The functions of newly adding department limit, checking across departments, displaying front ends of reasons of failure in payment, transferring authorization, uploading accounting documents, paying limit of amount, presenting functions, reserving payment failure records, displaying front ends of personal limit, associating people with limit, business types and the like are improved, and user experience is improved.

(4) The practicality of public to private instant payment tools is improved through optimizing functions such as organization architecture management, data statistics, report forms, authority management, secondary approval, money management functions, personnel management, password management, payment instruction initiation and the like.

(5) In the financial management system, the bill judgment mark is added to reform the payment, the expense reimbursement, the engineering expense reimbursement, the prepaid electric charge payment bill and the payment registration bill, so that the data band mark circulation is satisfied, and the financial domain interface service is newly added and optimized, such as: the method comprises the following steps of optimizing newly-added borrowing on-road service, newly-added borrowing verification on-road service, automatically generating an interface for a newly-added repayment list, newly-added generation expense reimbursement list interface, optimizing an electric charge reimbursement payment application list interface, optimizing an engineering business reimbursement payment application interface, optimizing a borrowing list bill, optimizing a borrowing verification detail record service, optimizing updating a borrowing verification detail account service, optimizing a borrowing account service, updating a borrowing record service, optimizing a query borrowing record service and the like, and realizing expense collection automation.

(6) In an asset or production management system, interface services such as newly added project information inquiry, operation plan inquiry, channel cleaning, payment registration form generation of young seedling pay types and the like meet the necessary conditions of generating the payment registration form by a mobile terminal; the new added asset domain payment registration related single page integration (project and infrastructure), the new added optimization and reconstruction reporting approval process (project and infrastructure), the new added and mobile terminal payment registration list generation interface (project and infrastructure) and the normal display of page data and the normal reporting of the process are met; the optimization transformation and financial system payment collaborative interface service (project, infrastructure) is adopted to meet the related business such as channel cleaning, green seedling payment type payment registration form normal and financial collaborative account reporting.

It should be noted that the above embodiments are only for illustrating the technical solution of the present invention and not for limiting the same, and although the present invention has been described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that the technical solution of the present invention may be modified or substituted without departing from the spirit and scope of the technical solution of the present invention, which is intended to be covered in the scope of the claims of the present invention.

Claims (10)

1. A public-private payment method based on WeChat payment is characterized in that: comprising the steps of (a) a step of,

Collecting payment support data and uploading the payment support data;

after collecting the WeChat wallet address of the payment object, sending a payment instruction to a partner financial institution;

And the financial institution receives the payment instruction and sends the payment instruction to the WeChat, and after the authentication is completed, the financial institution pays to the WeChat wallet of the payment object.

2. The WeChat payment-based public-to-private payment method of claim 1, wherein: the payment supporting data is uploaded through a network carrier and comprises payment object identity information, service site photos and a payment protocol; and the address information of the WeChat wallet of the payment object is acquired through a WeChat terminal.

3. A public-to-private payment system based on WeChat payment, based on the public-to-private payment method based on WeChat payment of claim 1 or 2, characterized in that: comprising the steps of (a) a step of,

The payment unit comprises a right management module, a personnel management module, an accessory management module, a data statistics and report module, an early warning function module, an amount management module, a safe payment module, an associated work order module, an identity card identification module, an approval function module and a payment instruction initiating module; the personnel management module is used for acquiring personnel information;

The feedback unit is used for receiving the payment instruction pushed by the payment unit and finishing payment and feeding back a payment result to the payment unit;

The WeChat terminal receives the mobile phone number of the payment object pushed by the payment unit and returns user identity information;

And the financial management platform is used for automatically generating a reimbursement bill and a fee register bill after receiving the reimbursement bill which is pushed to the payment unit and pushing borrowing information, a work bill and project information to the payment unit.

4. A WeChat payment based public-to-private payment system as recited in claim 3, wherein: the payment unit also comprises a short message notification module, a password management module, a login function module, a weather abnormality judgment module, an automatic account reporting module of the to-be-handled notification module, an associated project module, a position acquisition module, a statistical analysis module, a timing automatic reflecting module, an associated refund information module and an automatic acquisition limit module;

The early warning function module judges whether repeated operation exists in a certain range according to the positioning information of operators in a certain period, and if the repeated operation exists, early warning is carried out in auditing.

5. A WeChat payment-based public-to-private payment system according to claim 4, wherein: the feedback unit is provided with an encryption protocol, and the payment instruction sent by the financial institution is encrypted, and the payment instruction can be initiated only after an operator pays a password.

6. A WeChat payment-based public-to-private payment system according to claim 5, wherein: the auditing flow of the auditing function module comprises pre-approval, safety verification and comprehensive approval;

the pre-trial batch is that when a user initiates a payment request, the system firstly carries out preliminary risk assessment, and the risk level of the payment is assessed by considering the past transaction record, the current transaction mode and other related data of a payment object;

Different payment amounts are set according to enterprise management requirements, approval authorities corresponding to the payment amounts and maximum payment limits are set, and the method specifically comprises the following steps:

When the payment amount is smaller than the lower limit of the amount set according to the enterprise management requirements and the risk level is low, setting two-stage auditing, and allowing a business department responsible person to approve after a sponsor initiates an instruction;

When the payment amount is larger than the set two-stage auditing amount, the personnel of the financial department need to conduct second auditing or signing in addition to auditing or rechecking of the business department responsible person;

When the payment initiated by the same person in a single day reaches or exceeds two, the amount reaches or exceeds the upper limit, or the risk level is high, the payment is marked as a person to be checked for checking and a person to be checked for checking;

the comprehensive approval is carried out according to the results of pre-approval and preliminary risk assessment, and specifically comprises the following steps:

if no, directly entering the next step;

If the mark is the responsible person of the business department for rechecking, the next step is carried out after rechecking;

If the mark is the recheck of the recheck person and the check of the check person, the two-stage check and approval pass and then enter the next step.

7. A WeChat payment-based public-to-private payment system according to claim 6, wherein: the rights management unit comprises a rights application module, a rights auditing module, a personnel list module, an aging and money amount function module and an allocation history checking module; the permission application module is executed by an operator, the permission auditing module is executed by a rechecker, and the timeliness and money amount function module is executed by the rechecker and the signer.

8. A WeChat payment-based public-to-private payment system according to claim 7, wherein: the permission application module comprises a mobile terminal for short message verification; setting a payment password; submitting a permission application; waiting for auditing or hastening;

the authority auditing method comprises the following steps: entering a mobile terminal; click right management; checking click permission; clicking and auditing; confirming operation timeliness and filling in authority auditing results; finishing the auditing;

The aging and money amount functions comprise the following steps: the signer enters the mobile terminal; click right management; click aging and amount distribution; selecting departments; completing the amount distribution and time effect setting of departments; the rechecking person enters the mobile terminal; click right management; click aging and amount distribution; entering a personnel list to select personnel; and (5) finishing the sum distribution, authority distribution and time-effect setting of personnel.

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that: the processor, when executing the computer program, implements the steps of the public-to-private payment method based on WeChat payment of any one of claims 1 to 7.

10. A computer-readable storage medium having stored thereon a computer program, characterized by: the computer program when executed by a processor implements the steps of a WeChat payment based public-private payment method of any of claims 1 to 7.