CN100353377C - Method ad system for transacting transfer of account for banks on network - Google Patents
Method ad system for transacting transfer of account for banks on network Download PDFInfo
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- CN100353377C CN100353377C CNB2003101023638A CN200310102363A CN100353377C CN 100353377 C CN100353377 C CN 100353377C CN B2003101023638 A CNB2003101023638 A CN B2003101023638A CN 200310102363 A CN200310102363 A CN 200310102363A CN 100353377 C CN100353377 C CN 100353377C
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Abstract
The present invention relates to a method and a system for transacting account transfer by using an online bank. The method has specific steps: step 1, a payer sends a request instruction for the bank account transfer to an online bank system; step 2, the online bank system identifies the identity of the payer, receives and parses the payer's instruction, and feeds the instruction back to a payee and the payer; step 3, the payee prompts the online bank for the account transfer through a client terminal; step 4, the online bank system transacts the account transfer, finishes transaction operation, and feeds information back to the payee and the payer. The method of the present invention can be widely applied to the online bank system of the bank; the transaction of the account transfer needs two or more parties to take part in, is capable of sufficiently combination with Ecommerce (Electronic Commerce), and is an ideal account transfer implementing mode in an Ecommerce era.
Description
Technical field
The present invention relates to a kind of method and system of utilizing network to finish bank transaction, especially a kind of system that makes transfers transaction method and realize this method by Web bank.
Background technology
Along with the high speed development of ecommerce, Internet-based banking services are also fast-developing.Cash flow, information flow, logistics this aspect three in the problem, bank has handled " cash flow " problem natively.But because combining information stream and logistics well, Web bank only can provide transfer transactions from the Send only Account to the collecting account to the client, and information such as commercial affairs, logistics can not be provided, and funds transfer can not satisfy the Development of E-business requirement merely.
The transfer method of existing bank bank system of web, its funds transfer is to handle in " remittance " mode, its account transfer step is: (1) payment client submits the account transfer instruction by bank system of web to bank; (2) bank system of web processing instruction will instruct and transmit transaction processing system; (3) transaction processing system is handled this transfer transactions, and fund is remitted the gathering client.
Under this processing mode, funds transaction information is uniflux, promptly from the payer, through Web bank, transaction processing system, arrive the payee at last.In unidirectional funds transaction information flow, in a single day instruction is sent, will automatically perform, and the centre does not need the client to intervene, and can guarantee the top efficiency of transaction processing.
But, the uniflux of funds transaction information just, client's trading instruction is towards funds transaction rather than towards commercial affairs, the client trading of promptly paying the bill instruction only comprises key elements such as Send only Account, collecting account, dealing money, and does not comprise numerous information such as commercial sequence information, Shipping Information, logistics provider's information, the information of examining goods, receiver information, dealing money transition information, commercial transition information.Because the shortage of information, the funds transfer mode of " remittance " mode only are suitable for the fund clearing clearing after commercial activity is finished, and can not get involved in commercial activity.
There is following problem in " remittance " account transfer mode:
1. can not solve problems such as information flow, logistics." remittance " account transfer instruction sheet sends from the payment client to, trading instruction, is handled by banking system, and is middle without gathering client, logistics acknowledgement of consignment client.Trading instruction is without the gathering client, and the gathering client does not know any Transaction Information in fund before account; Trading instruction is carried the client without logistics, and logistics acknowledgement of consignment client does not know Transaction Information equally.
2. the gathering client passive fund of accepting does not participate in the account transfer process, and whether the problem that occurs in can not in time finding to transfer accounts,, name on account whether correct as the amount of money, account number be correct etc.
3. fund is received and just can be of use after appropriate, can not satisfy client's much-needed money problem.The gathering client can only wait for that fund could use this fund behind account, when the client that collects money is badly in need of using fund, and this fund of can not drawing in advance.
4. the processing of account transfer information via banking system can not reflect the truth of transaction.The client is after receiving fund in gathering, the client's that can only collect payment from the original document of bank information, and these information are incomplete.Since the singularity of banking system, the payment customer information that the gathering client can not inquire about this transaction by bank system of web.
Summary of the invention
In order to overcome above-mentioned deficiency of the prior art, the invention provides method that a kind of Web bank makes transfers and the system that realizes this method, purpose is to solve problems such as the fund of client in business activities, information, logistics, solve client's fund and in time be of use problem, and on this basis, client's commercial credit can be converted to bank credit by honouring of bank, produce Web bank of a system means of account settlement.
For finishing above-mentioned purpose, method provided by the invention is:
The method that Web bank makes transfers may further comprise the steps:
(a) first client terminal sends the data processing instructions of request to the account transfer of second client terminal to server end;
(b) server end is resolved described data processing instructions, and feedback information is to first client terminal and second client terminal;
(c) second client terminal sends confirmation to server end;
(d) server end finish data processing, and the feedback processing result is to first client terminal and second client terminal according to described confirmation and account transfer data processing instructions;
Described step (a) further comprises: the payment client sends the data processing instructions that request Web bank makes transfers and concludes the business by first client terminal to Web bank's server end;
The described transaction data processing instruction of making transfers comprises payment customer information, gathering customer information, Intermediate customer's information, account transfer flow process, transfer amount;
Described step (b) further comprises: Web bank's server end judges whether the payment client identity of first client terminal is legal, if illegal, the client's that refuses payment request, end operation, otherwise,
The Web bank server end receives the payment client by the data processing instructions of please transferring accounts that first client terminal sends, and judges whether described account transfer data processing instructions is legal, if illegal, feedback information is to the payment client of first client terminal, otherwise,
Web bank's server end is transmitted Intermediate customer and/or the gathering client that described account transfer data processing instructions is given second client terminal;
Described step (c) further comprises: the Intermediate customer of second client terminal and/or gathering client judge whether described account transfer data processing instructions needs to revise, and revises if desired, sends amended account transfer data processing instructions bank server end on the net;
The amended account transfer data processing instructions of Web bank's server forwards receives the affirmation information that first client terminal payment client sends to the payment client of first client terminal;
Described step (d) further comprises: the described account transfer data processing instructions that Web bank's server end is transmitted after confirming arrives the banking processing module;
The banking processing module is handled transfer transactions, and the result of transfer transactions is fed back to the payment client of first client terminal and the Intermediate customer and/or the gathering client of second client terminal through Web bank's server end;
Second client terminal described in the said method is the equipment that transfer amount and gathering customer information are made amendment;
First, second client terminal described in the said method comprises Computer Browser, computer client software, mobile phone, personal digital assistant and the television set top box that is connected to Web bank's server end;
Web bank's server end described in the said method can identification mode send information to client terminal with client terminal;
Intermediate customer described in the said method is included as the logistics common carrier of finishing transaction and needing to participate in commercial activity;
The present invention has solved above problems of the prior art well, has the following advantages:
The invention provides a kind of new Web bank transaction method of making transfers, solve clients fund stream, information flow, logistics and organically combine problem.New Web bank's transfer method can connect the each side that participates in commercial activity, finishes transfer transactions jointly.
And the inventive method has solved clients fund and has been of use problem, and the gathering client can directly will be somebody's turn to do other clients of gathering subrogation of instruction, and the fund that need not is actual in account after receiving the account transfer instruction.
At last, outstanding being also advantageous in that of the present invention implemented simply.The software of the Service Processing Module of bank system of web level only need be revised by bank, does not need large tracts of land to update the equipment, and just can independently finish system deployment, and promotes rapidly.
Description of drawings
Fig. 1 is the system schematic that realizes that Web bank makes transfers of the present invention;
Fig. 2 a is the method flow diagram that Web bank of the present invention makes transfers;
Fig. 2 b is the embodiment process flow diagram that method that Web bank of the present invention makes transfers combines with logistics information;
Fig. 2 c is that the method that Web bank of the present invention makes transfers is of use the embodiment process flow diagram that combines with the realization fund.
Embodiment
Below in conjunction with accompanying drawing the specific embodiment of the present invention is described in further detail.
With reference to Fig. 1, realize that method that Web bank of the present invention makes transfers need rely on system 4 as shown in Figure 1, this system 4 comprises: client terminal 1, Web bank's server end 2, banking processing module 3; Wherein:
Web bank's server end 2 is cover computer systems of bank, it is connected with each client terminal 1 by public network, can obtain instruction that client terminal 1 sends, finish the inspection of instruction feasibility, confirm illegal instruction can be carried out, be refused to instruction whether, preserve and also transmit instruction.Web bank's server end 2 sends and feedback trading information to the client, is can identification mode send to client terminal with client terminal 1.If client terminal 1 is an internet terminal, can send to client terminal 1 by the internet, if client terminal 1 is a phone, then can send to client terminal 1 by telephone network.
Above-mentioned Web bank server end 2 and banking processing module 3 are to realize by computer system.
The process of exchange that the inventive method is described is as follows:
1, first client terminal sends the data processing instructions of request to the account transfer of second client terminal to server end;
2, server end is resolved described data processing instructions, and feedback information is to first client terminal and second client terminal;
3, second client terminal sends confirmation to server end;
4, server end is asked the account transfer data processing instructions according to described confirmation and processing, and the feedback processing result is to first client terminal and second client terminal.
What the inventive method was emphasized is above-mentioned 4 processes.When different banks states each step on the implementation, can be according to specific circumstances and demand, determine the form and the content of instruction, these contents are that bank need consider when implementing, not as the description of the invention content.
Below in conjunction with Fig. 1 and Fig. 2 a, be that example is introduced this method with the Computer Browser.
The equipment that this method needs:
The client utilizes Computer Browser as client terminal 1, by the internet, connects Web bank's server end 2.The client also needs to submit to the key element of identification client identity such as user name when the logging in to online banks system.
Web bank's server 2 is used to the computer system of discerning client identity, accepting customer instruction.This server system can be preserved customer instruction, resolves customer instruction, and customer instruction can be sent to relative clients.Web bank's server end 2 is connected with banking processing module 3, and customer instruction is sent banking processing module 3, finally finishes customer instruction.
With reference to Fig. 2 a, the Web bank of the present invention transaction method of making transfers comprises the steps:
1, at first, the payment client sends request instruction (step S01) by first client terminal to Web bank's server end:
The payment client is by Computer Browser, and the logging in to online banks server system is submitted the transfer transactions instruction to Web bank.This trading instruction comprises: payer's title, Send only Account title, pay code, Payment Amount, key element such as the coming into force of payee's name, conclude the business other participant's titles, transaction, out-of-service time.
2, Web bank's server is at first judged payment client identity whether legal (step S02), for example whether the client is to system registry, whether passed through safety certification, if client identity is illegal, refuse payment client's request of server, feedback refusal information is given payment client (step S03), and end operation.
If the payment client identity is legal, Web bank's server receives customer instruction (step S04), and processing instruction: whether the request transfer transactions instruction of judging the payment client legal (step S05), the for example whether requirement of compliance with system of Zhi Ling format and content, whether every content of instruction waits fully.If instruction is illegal, promptly do not meet the requirement of system's regulation, then feed back information unauthorized to payment client (step S06), for example indicate the illegal part of instruction, claim for payment the client make amendment, and submits new instruction etc. to.
If the instruction of request transfer transactions is legal, Web bank's server is preserved this request instruction, and is forwarded to gathering client (step S07).
3, after the gathering client receives the requests transaction instruction of forwarding, send confirmation by second client terminal to Web bank's server, prompting account transfer (step S08): the gathering client passes through Computer Browser, the logging in to online banks server system, check this instruction, whether every key element of determining this instruction is correct, on request can be to bank system of web prompting account transfer.
Have other Intermediate customers to participate in the transaction, transaction Intermediate customer participant logging in to online banks is checked this instruction, according to the responsibility in transaction, makes the expression of various marketing transaction.As relating to logistics acknowledgement of consignment client in the transaction, whether logistics acknowledgement of consignment client can examine goods correctly to wait to goods in this transaction is made expression.
4, after Web bank's server system is received gathering client and each Intermediate customer's affirmation information, transmit this trading instruction to banking processing module (step S09).
5, the banking processing module carries out fund to remit account according to key elements such as the Send only Account that instructs, collecting account, transfer amount, finally finishes transaction.After transaction was finished, the banking processing module was sent the information of result to the Web bank server (step S10).
6, Web bank's server is forwarded to other Intermediate customers (step S11) that collect money the client and pay the bill the client and participate in business with the information of result.
In the transmittance process of above-mentioned transfer transactions instruction, the banking processing module is finished before the transfer transactions, and the payment client of first client terminal can at any time propose the request that stops concluding the business.For example, if the payment client finds the gathering customer information mistake in the transfer transactions instruction, can propose to stop the request of transaction to Web bank's server end.Web bank's server stops online transfer transactions, EO according to request.The payment client can send the instruction of request transfer transactions to Web bank's server once more, repeats said process.
With reference to figure 2a and Fig. 2 b, use the inventive method, realize the embodiment that combines with logistics information:
1, the client that at first pays the bill uses first client terminal to send instruction (step S01) to the Web bank server;
The payment client is by Computer Browser, and logging in to online banks is submitted the transfer transactions instruction to bank system of web.This trading instruction comprises: payer's title, Send only Account title, pay code, Payment Amount, key element such as the coming into force of payee's name, logistics customer name, transaction, out-of-service time.
2, Web bank's server system receives customer instruction, processing instruction, and feedback gathering client, payment client, logistics client (step S02, S03, S04, S05);
Bank system of web identification client's legal identity (step S02), refuse illegal client, abort transactoin (step S03), receive legal payment client's request transfer transactions instruction (step S04), (step S05) resolved in instruction: the feedback information unauthorized is to the payment client, the claim for payment client is form modifying instruction (step S06) according to the rules, preserves and send valid instruction to (step S0703) such as logistics client (step S0701), gathering clients.
3. the logistics client is by client terminal logging in to online banks server system, check this instruction, according to flow situation, whether errorless etc. if for example examining goods, in trading instruction, make expression (step S0702), have only when the logistics client in the trading instruction clearly expression examine goods after errorless, the suggestion that can pay the bill, the gathering client could send confirmation to Web bank's server system, prompting account transfer (step S08).
If this trading instruction is incorrect, logistics client can make amendment to instruction, confirms through payment client and gathering client by Web bank's server.
4. the gathering client points out account transfer (step S08) by client terminal to Web bank's server system;
The gathering client is by Computer Browser, and the logging in to online banks server system is checked this instruction, determines whether every key element of this instruction is correct, to bank system of web prompting account transfer.
If it is incorrect to be somebody's turn to do instruction, the gathering client can make amendment to instruction, confirms through the payment client by Web bank's server.
5. Web bank's server process transfer transactions, interlock banking processing module is finished transaction movement.
After bank system of web is received the instruction of prompting account transfer, this instruction is sent to banking processing module (step S09), the banking module carries out fund to remit account according to key elements such as the Send only Account that instructs, collecting account, transfer amount, finally finishes transaction (step S10).
6, after transaction was finished, the banking processing module arrived payment client, gathering client and logistics client (step S11) by Web bank's server feedback result.
With reference to figure 2a and Fig. 2 c, use the method that Web bank of the present invention makes transfers, the embodiment that the realization fund is of use:
1. the payment client uses client terminal to send request instruction (step S01) to Web bank's server system;
The payment client is by Computer Browser, and the logging in to online banks server system is submitted the transfer transactions instruction to Web bank's server system.This trading instruction comprises: payer's title, Send only Account title, pay code, Payment Amount, key element such as the coming into force of payee's name, transaction, out-of-service time.
2. Web bank's server system receives the legitimate client instruction, processing instruction, and feedback gathering client, payment client (step S02, S03, S04, S05, S06, S07);
Bank system of web is screened client's legal identity (step S02), refuse illegal client's request (step S03), receive the instruction (step S04) of legitimate client, instruction is resolved, whether decision instruction legal (step S05), and with the result of instruction process feed back payee, payer (step S06, S07).
3. the gathering client submits the account transfer instruction by client terminal to Web bank's server system;
The gathering client makes amendment to the account transfer instruction, the instruction (step S0801) of submitting to this account transfer directly to be of use, and this instruction also comprises key elements such as new payee's name except that comprising former transfer transactions command content;
4. the new account transfer of submitting to of Web bank's server forwards gathering client is instructed to and is arrived payment client (step S0802), the payment client sends confirmation bank (step S0803) on the net, and Web bank receives to preserve after the confirmation and transmit and instructs new gathering client (step S0804) after revising;
5. the client that newly collects money points out account transfer (step S0805) by client terminal to Web bank's server system;
New gathering client is by Computer Browser, and the logging in to online banks server system is checked this instruction, determines whether every key element of this instruction is correct, to Web bank's server system prompting account transfer.
6. Web bank's server system is handled transfer transactions, interlock banking processing module, finish transaction movement (step S09, S10).
After bank system of web is received the affirmation instruction of prompting account transfer, should instruct and send the banking processing module, the banking processing module is according to the key elements such as Send only Account, collecting account, transfer amount of instruction, with the fund new gathering customer account of remitting account, finally finishes transaction.
7. after finishing transaction, the banking processing module the transaction processing result by Web bank's server feedback to payment client, former gathering client and the client (step S11) that newly collects money.
Claims (10)
1, a kind of Web bank method of making transfers is characterized in that, comprises the steps:
(a) first client terminal sends the data processing instructions of request to the account transfer of second client terminal to server end;
(b) server end is resolved described data processing instructions, and feedback information is to first client terminal and second client terminal;
(c) second client terminal sends confirmation to server end;
(d) server end finish data processing, and the feedback processing result is to first client terminal and second client terminal according to described confirmation and account transfer data processing instructions.
2, the Web bank according to claim 1 method of making transfers, it is characterized in that: described step (a) further comprises:
The payment client sends the data processing instructions that request Web bank makes transfers and concludes the business by first client terminal to Web bank's server end;
The described transaction data processing instruction of making transfers comprises payment customer information, gathering customer information, Intermediate customer's information, account transfer flow process, transfer amount.
3, the Web bank according to claim 1 and 2 method of making transfers, it is characterized in that: described step (b) further comprises:
Web bank's server end judges whether the payment client identity of first client terminal is legal, if illegal, the client's that refuses payment request, end operation, otherwise,
The Web bank server end receives the payment client by the data processing instructions of please transferring accounts that first client terminal sends, and judges whether described account transfer data processing instructions is legal, if illegal, feedback information is to the payment client of first client terminal, otherwise,
Web bank's server end is transmitted Intermediate customer and/or the gathering client that described account transfer data processing instructions is given second client terminal.
4, the Web bank according to claim 3 method of making transfers, it is characterized in that: described step (c) further comprises:
The Intermediate customer of second client terminal and/or gathering client judge whether described account transfer data processing instructions needs to revise, and revises if desired, sends amended account transfer data processing instructions bank server end on the net;
Web bank's server end is transmitted the payment client of amended account transfer data processing instructions to first client terminal, receives the affirmation information that first client terminal payment client sends.
5, the Web bank according to claim 4 method of making transfers, it is characterized in that: described step (d) further comprises:
The described account transfer data processing instructions that Web bank's server end is transmitted after confirming arrives the banking processing module;
The banking processing module is handled transfer transactions, and the result of transfer transactions is fed back to the payment client of first client terminal and the Intermediate customer and/or the gathering client of second client terminal through Web bank's server end.
6, the Web bank according to claim 5 method of making transfers is characterized in that: described second client terminal is the equipment that transfer amount and gathering customer information are made amendment.
7, the Web bank according to claim 5 method of making transfers, it is characterized in that: described first, second client terminal comprises Computer Browser, computer client software, mobile phone, personal digital assistant and the television set top box that is connected to Web bank's server end.
8, the Web bank according to claim 7 method of making transfers, it is characterized in that: Web bank's server end can identification mode send information to client terminal with client terminal.
9, the Web bank according to claim 5 method of making transfers is characterized in that: described Intermediate customer is included as and finishes transaction and the logistics common carrier of needs participation commercial activity.
10, the system that makes transfers of a kind of Web bank is characterized in that comprising:
Client terminal, server end and Service Processing Module;
Described client terminal is connected with described server end by public network, sends the data processing instructions of request to another client terminal account transfer to server end;
Described server end, receive and resolve the solicited message of described client, feedback information is to client terminal, transmit described account transfer data processing instructions to another client terminal, after receiving affirmation information, transmit described account transfer data processing instructions again to Service Processing Module from described another client terminal;
Described Service Processing Module is connected with server end by dedicated network, the described account transfer data processing instructions that processing server is transmitted, and pass through server end feedback processing result to client terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2003101023638A CN100353377C (en) | 2003-10-27 | 2003-10-27 | Method ad system for transacting transfer of account for banks on network |
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| Application Number | Priority Date | Filing Date | Title |
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| CNB2003101023638A CN100353377C (en) | 2003-10-27 | 2003-10-27 | Method ad system for transacting transfer of account for banks on network |
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| CN1540560A CN1540560A (en) | 2004-10-27 |
| CN100353377C true CN100353377C (en) | 2007-12-05 |
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| CN104363272A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Data transferring method and device |
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| WO2017011996A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method, system, and apparatus for altering electronic certificates and processing data exchange |
| CA2993583C (en) * | 2015-07-21 | 2020-08-25 | 10353744 Canada Ltd. | Method, server, terminal, and system for changing period of validity of electronic certificate |
| CN105069610A (en) * | 2015-07-24 | 2015-11-18 | 跨世投资（上海）股份有限公司 | Electronic payment system and method |
| WO2017101008A1 (en) * | 2015-12-15 | 2017-06-22 | 深圳市银信网银科技有限公司 | Target information management method and management equipment and management server thereof |
| CN108985762A (en) * | 2018-06-29 | 2018-12-11 | 北京东方英卡数字信息技术有限公司 | A kind of Account Registration and transaction security method and system |
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| CN1425164A (en) * | 2000-04-26 | 2003-06-18 | 甲骨文公司 | Many-to-many correspondance: methods and systems for replacing interbank funds transfers |
| JP2001319058A (en) * | 2000-05-08 | 2001-11-16 | Asahi Bank Ltd | Financial processing system, system processing method of financial processing system, and recording medium with recorded program for the same |
| JP2002042039A (en) * | 2000-07-28 | 2002-02-08 | Ntt Internet Inc | Settlement means changing method, settlement means changing server, and settlement means changing system |
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| CN1540560A (en) | 2004-10-27 |
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