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CN102254262A - Agent service payment system based on online bank - Google Patents

Agent service payment system based on online bank Download PDF

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Publication number
CN102254262A
CN102254262A CN2011102169720A CN201110216972A CN102254262A CN 102254262 A CN102254262 A CN 102254262A CN 2011102169720 A CN2011102169720 A CN 2011102169720A CN 201110216972 A CN201110216972 A CN 201110216972A CN 102254262 A CN102254262 A CN 102254262A
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Prior art keywords
payment
deduction
information sequence
bank
personal
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Inventor
叶剑文
林国斌
陈继轩
梁敏俐
邓玉荣
彭小敏
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Abstract

The invention discloses an agent service payment system based on an online bank. The system comprises a payment enterprise server, a collection enterprise server and a bank payment server, wherein the payment enterprise server sends a payment instruction; the collection enterprise server sends a deduction instruction; the bank payment server comprises a payment instruction receiving unit, a payment information sequence generating unit, a deduction instruction receiving unit, a deduction information sequence generating unit and a payment matching unit; the payment information sequence generating unit transfers payment amounts into a personal bank account according to the payment instruction and generates a payment information sequence according to transferring time; the deduction information sequence generating unit generates a deduction information sequence according to the deduction instruction; and the payment matching unit is used for matching the deduction information sequence and the payment information sequence having the same personal account and transferring the payment amounts of the personal account into a corresponding collection enterprise bank account according to a matching result. The agent service payment system based on the online bank solves the problem of agent service payment based on the online bank.

Description

Agent business payment system based on online banking
Technical Field
The invention relates to a proxy service data processing technology of financial enterprises such as banks, in particular to a proxy service payment system based on internet banking.
Background
At present, the processing process of the internet banking system to various agent business data of an enterprise is generally as follows: after the entrusting enterprise submits the collection payment-substituting file to the online banking server, the banking server processes the proxy service data in batches according to the time sequence of the collection payment-substituting file. Such a processing method brings about the following problems:
for the personal account, the payment enterprise proxy service comprises payment data processing (such as payment data processing of wage sending, bonus sending and the like), the collection enterprise proxy service comprises collection data processing (such as collection data processing of water fee deduction, electric fee and the like), if the bank server carries out the payment data processing according to the time sequence of the collection and payment files, the proxy payment is unsuccessful, but the balance of the personal account is remained after the balance is rolled, so that inconvenience in payment is caused to the collection enterprise and the user of the personal account.
Disclosure of Invention
The embodiment of the invention provides an agent service payment system based on Internet banking, which aims to solve the problem of agent service payment based on Internet banking.
The invention aims to provide an agent service payment system based on online banking, which comprises: the system comprises a payment enterprise server, a collection enterprise server and a bank payment server; the bank payment server is respectively connected with the payment enterprise server and the collection enterprise server; the payment enterprise server is used for sending a payment instruction comprising a payment enterprise bank account number, a personal bank account number, a payment item and a payment amount; the collection enterprise server is used for sending a deduction instruction comprising a collection enterprise bank account number, a personal bank account number, a deduction item and a deduction amount; the bank payment server includes: a payment instruction receiving unit for receiving a payment instruction; the payment information sequence generating unit is used for transferring the payment amount to the personal bank account according to the payment instruction and generating a payment information sequence containing the personal bank account and the payment amount according to the transfer time; the deduction instruction receiving unit is used for receiving a deduction instruction; the deduction information sequence generating unit is used for generating a deduction information sequence containing a collection enterprise bank account number, a personal bank account number and a deduction amount according to the deduction instruction; and the payment matching unit is used for matching the deduction information sequence and the payment information sequence with the same personal account number and transferring the payment amount of the personal account number to the corresponding collection enterprise bank account number according to the matching result.
The invention has the beneficial effects that: according to the agent service payment or collection instruction sent to the bank server by each enterprise, the payment data and the collection data of the related personal account in the bank server are serialized and matched, the condition that the agent deduction processing is unsuccessful but the balance of the client account remains after the balance is rolled is effectively avoided, and the late-deposit loss of the client caused by the unsuccessful agent service deduction is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without inventive exercise.
Fig. 1 is a block diagram illustrating a proxy payment system based on internet banking according to an embodiment of the present invention;
FIG. 2 is a block diagram of a bank payment server according to an embodiment of the present invention;
fig. 3 is a flowchart of the operation of the bank payment server according to the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, the proxy service payment system based on internet banking according to the embodiment of the present invention includes: a payment enterprise server 100, a collection enterprise server 200, and a bank payment server 300; the bank payment server 300 is connected to the payment company server 100 and the collection company server 200 through the bank front-end processor 400, respectively.
The payment enterprise server 100 is used for sending out a payment instruction comprising a payment enterprise bank account number, a personal bank account number, a payment item and a payment amount.
The collection enterprise server 200 is configured to issue a deduction instruction including a collection enterprise bank account, a personal bank account, a deduction item, and a deduction amount.
As shown in fig. 2, the bank payment server 300 includes: a payment instruction receiving unit 301, configured to receive a payment instruction sent by the payment enterprise server 100; a payment information sequence generating unit 302, configured to transfer the payment amount to the personal bank account according to the payment instruction, and generate a payment information sequence including the personal bank account and the payment amount according to the transfer time; a deduction instruction receiving unit 303, configured to receive a deduction instruction sent by the collection enterprise server 200; a deduction information sequence generating unit 304, configured to generate a deduction information sequence including a collection enterprise bank account, a personal bank account, and a deduction amount according to the deduction instruction; and a payment matching unit 305, configured to match the deduction information sequence and the payment information sequence with the same personal account, and transfer the payment amount of the personal account to a corresponding collection enterprise bank account according to the matching result.
The processing of the proxy service data by the bank payment server of the embodiment comprises the following three components:
(1) and (3) sequential treatment: and the system is responsible for receiving new proxy service data, performing entry processing on the received proxy service data according to the time sequence and the storage sequence of the proxy service data records, and registering a processing result (processing success or processing failure) on one record after processing one record.
(2) And (4) storing account to be deducted data: and respectively establishing a payment information sequence containing a personal bank account and a payment amount and a deduction information sequence containing a collection enterprise bank account, the personal bank account and the deduction amount for each personal account.
For example: the personal account number of the individual customer "Liqua" is A. Finding out all records A in the data file to be deducted, wherein the collection account numbers of companies such as water, electricity, gas and the like are required to be put in a collection sequence of A; payment account numbers of enterprises giving plum four payroll, insurance dividend and the like are put in the payment sequence of A.
(3) And (3) payment matching: the collection sequence data is subjected to overall optimization processing, namely, the deduction and account entry records are sequenced through an optimization algorithm, so that the aim of maximizing the number of successful strokes or maximizing the successful sum is fulfilled. For a collection sequence, directly and sequentially transferring accounts from an enterprise payment account of an initiator to a personal account A in sequence; and for the payment sequence, sequentially transferring the account number A to the initiator enterprise collection account number according to the optimized payment sequence.
As shown in fig. 3, the method for processing proxy service data includes the following steps:
step S01: and after receiving the latest proxy service data, the bank payment server immediately performs entry processing on the proxy service data according to the time sequence and the storage sequence of the proxy service data records, and the host system registers a processing result (processing success or processing failure) on one record after processing each record.
Step S02: the bank payment server screens all relevant records from the agent business data of the day and combines the record data.
Step S03: respectively establishing a collection account sequence and a payment account sequence for each personal account, storing the collection accounts of the same personal account in different records of deduction data into the collection sequence of the personal account, and storing the payment accounts of the same personal account into the payment sequence of the personal account. (for example, the account number of a personal client 'Liqu' is A. the account numbers of companies such as water, electricity, gas and the like are put in a payment sequence of A when a record that all personal account numbers of a to-be-deducted data file are A is found out, and the account numbers of enterprises giving the Liqu wage and having red insurance are put in a collection sequence of A.)
Step S04: and (4) performing a collection sequence account entry treatment, and directly and sequentially performing a transfer treatment from the initiator account to the personal account of the sequence. (taking the 'Liquan' account as an example, account A of the 'Liquan' account is subjected to entry processing such as wage issuing, insurance dividend and the like.)
Step S05: and performing overall optimization processing on the payment sequence data.
Step S06: and carrying out payment sequence account entering processing. And reading the optimized payment sequence, and sequentially transferring the account numbers from the personal account number of the sequence to the account number of the initiator. (taking the 'Liquan' account as an example, the account A of the 'Liquan' is subjected to entry processing such as water fee payment, electric fee payment and gas fee payment)
In order that the objects and advantages of the invention will become more apparent, embodiments of the invention are described in further detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
There are 3 proxy business files in the bank payment server, and the core information of the file accounts is shown in the following tables 1, 2 and 3:
table 1:
serial number Debit account Lender account Amount of money to be deducted
11 A B 975.13
12 A C 4814.19
13 A D 4370.24
Table 2:
serial number Debit account Lender account Amount of money to be deducted
21 A E 1930.12
22 F A 3331.84
23 A G 4753.26
Table 3:
serial number Debit account Lender account Amount of money to be deducted
31 A H 1982.47
32 I A 6529.73
The current available balance of each account is as in table 4:
TABLE 4
In each of the tables described above, the table is,
the collection sequence of account a of lie four: F. i is
Payment sequence for account a of lie four: B. c, D, E, H
For the collection sequence, directly and sequentially transferring accounts from the initiator account to the personal account in sequence, directly transferring accounts with the serial numbers of 22 and 32, and after the processing is finished, the current available balance of each account is as shown in table 5:
TABLE 5
Figure BDA0000079746900000061
1. Successful stroke maximization treatment:
the available balance of the current personal account a is 10546.70, and the payment sequence corresponding to the personal account is sorted in ascending order according to the amount (see table 6):
TABLE 6
Figure BDA0000079746900000062
The payment sequence is accumulated in order until the accumulated dynamic accumulated pseudo-payment amount is not greater than the maximum value of the current personal account available balance 10546.70 because
975.13+1930.12+1982.47+4370.24=9257.96<10546.70
And 975.13+1930.12+1982.47+4370.24+4753.26 ═ 14011.22 > 10546.70
The first four account numbers are placed in the optimized deduction order storage means (see table 7).
TABLE 7
And reading the optimized payment sequence, and sequentially transferring the account numbers from the personal account number of the sequence to the account number of the initiator.
The final overall deduction results are shown in table 8:
TABLE 8
Figure BDA0000079746900000071
The total number of successful accounts is 6, the number of failed accounts is 2, the balance of the account A after the processing is finished is 1288.74, and the successful occurrence amount is 19119.53.
2. Successful money maximization processing:
1) the money amounts are regular (see table 9). The total record number n of the payment sequence corresponding to the personal account is 6, the available balance of the personal account is removed from the tail and rounded, the rounded available balance X of the personal account is 10546, the proposed entry amount of each account in the payment sequence of the personal account is rounded by one, and the rounded planned entry amount sequence of the payment sequence is recorded as S:
s1=976,s2=4815,s3=4371,s4=1931,s5=4754,s6=1983
TABLE 9
Figure BDA0000079746900000072
2) And generating the maximum deduction amount.
The current balance of the personal account is b, the payment sequence of the personal account has i amounts, and the maximum deduction amount at the moment is recorded as f (b, i)
It is apparent that f (b, 0) ═ 0 is given for any 0. ltoreq. b.ltoreq.10546.
And (3) considering the first 1 amount of the payment sequence of the personal account, and traversing the current balance b of the personal account from 1 to the maximum amount X of the personal account which is 10546 to obtain:
f (b, 1) ═ 0 for b < 976;
for 976 ≤ b ≤ 10546, f (b, 1) ═ 976;
the current maximum deduction amount f (10546, 1) is max { f (b, 1), and 1 ≦ b ≦ 10546}, 976.
And (3) considering the first 2 amounts of the payment sequence of the personal account, and traversing the current balance b of the personal account from 1 to the maximum amount X of the personal account which is 10546 to obtain:
f (b, 2) ═ 0 for b < 976;
for 976 ≤ b < 4815, f (b, 2) ═ 976;
for 4815 ≤ b < 976+4815, f (b, 2) ═ 4815;
for 976+4815 ≤ b ≤ 10546, f (b, 2) ═ 976+4815 ═ 5791;
the current maximum deduction amount f (10546, 2) is max { f (10546, 1), f (b, 2), 1 ≦ b ≦ 10546}, 5791.
And (3) considering the first 3 amounts of the payment sequence of the personal account, and traversing the current balance b of the personal account from 1 to the maximum amount X of the personal account which is 10546 to obtain:
f (b, 3) ═ 0 for b < 976;
f (b, 3) ═ 976 for 976 ≤ b < 4371;
4371 ≦ b < 4815 with f (b, 3) ═ 4371;
f (b, 3) ═ 4815 for 4815 ≤ b < 976+ 4371;
for 976+4371 < b < 976+4815, f (b, 3) ═ 976+4371 ═ 5347;
for 976+4815 < b < 4371+4815, f (b, 3) ═ 976+4815 ═ 5791;
for 4371+4815 < b 976+4371+4815, f (b, 3) ═ 4371+4815 9186;
for 976+4371+4815 ≤ b ≤ 10546, f (b, 3) ═ 976+4371+4815 ═ 10162;
the current maximum deduction amount f (10546, 3) is max { f (10546, 2), f (b, 3), 1 ≦ b ≦ 10546}, 10162.
And (4) examining the top 4, 5 and 6 amounts of the payment sequence of the personal account, and traversing the current balance b of the personal account from 1 to the maximum amount X of the personal account which is 10546 to obtain
f (b, 4), f (b, 5), f (b, 6), 1. ltoreq. b.ltoreq.10546.
In particular, the following are:
f(10546,4)=max{f(10546,3),f(b,4),1≤b≤10546}=10162
f(10546,5)=max{f(10546,4),f(b,5),1≤b≤10546}=10545
f(10546,6)=max{f(10546,5),f(b,6),1≤b≤10546}=10545
and generating the deduction sequence under the maximum deduction amount:
since f (10546, 6) is f (10546, 5), the 6 th, i.e., s, in the payment sequence6The record of the serial number 31 in the original service file is not in the solution space;
since f (10546, 5) > f (10546, 4), the 5 th, i.e., s, in the payment sequence5The record of the serial number 23 in the original service file is stored in the solution space, and the record is stored in the optimized deduction sequence storage part;
because f (10546-s)5,4)=f(5792,4)=5791,f(10546-s5And 3) f (5792, 3) 5791, i.e., f (10546-s)5,4)=f(10546-s53), so that the 4 th in the payment sequence, i.e. s4The record of the sequence number 21 in the original service file is not in the solution space;
because f (10546-s)5,3)=f(5792,3)=5791,f(10546-s5,2)=f(5792,2)=5791, i.e. f (10546-s)5,3)=f(10546-s52), so that the 3 rd in the payment sequence, i.e. s3The record of the serial number 13 in the original service file is not in the solution space;
because f (10546-s)5,2)=f(5792,2)=5791,f(10546-s51) ═ f (5792, 1) ═ 976, i.e., f (10546-s)5,2)>f(10546-s51), so that the 2 nd, i.e. s, in the payment sequence2The record of the serial number 12 in the original service file is stored in the solution space, and the record is stored in the optimized deduction sequence storage part;
because f (10546-s)5-s2,1)=f(977,1)=976,f(10546-s5-s2,0)=0,
I.e., f (10546-s)5-s2,1)>f(10546-s5-s20), so the 1 st in the payment sequence, i.e. s1And the record of the serial number 11 in the original service file is stored in the solution space, and the record is stored in the optimized deduction sequence storage part.
The solution space is (see table 10):
watch 10
Figure BDA0000079746900000101
And reading the optimized payment sequence, and sequentially transferring the account numbers from the personal account number of the sequence to the account number of the initiator.
Final achieved transfer processing (see table 11):
TABLE 11
Figure BDA0000079746900000102
The total number of successful accounts is 5, the number of failed accounts is 3, the balance of the account A after the processing is finished is 4.12, and the successful occurrence amount is 22334.27.
According to the system, the payment data and the collection data of the related personal account in the bank server are serialized and matched according to the agent service payment or collection instruction sent to the bank server by each enterprise, so that the condition that the agent deduction processing is unsuccessful but the account of the client has balance after the deduction is effectively avoided, and the loss of the late-deposit fund of the client caused by the unsuccessful agent service deduction is reduced.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims (2)

1. An agent service payment system based on internet banking, characterized in that the system comprises: the system comprises a payment enterprise server, a collection enterprise server and a bank payment server;
the bank payment server is respectively connected with the payment enterprise server and the collection enterprise server; wherein,
the payment enterprise server is used for sending a payment instruction comprising a payment enterprise bank account number, a personal bank account number, a payment item and a payment amount;
the collection enterprise server is used for sending a deduction instruction comprising a collection enterprise bank account number, a personal bank account number, a deduction item and a deduction amount;
the bank payment server comprises:
a payment instruction receiving unit for receiving the payment instruction;
the payment information sequence generating unit is used for transferring the payment amount to the personal bank account according to the payment instruction and generating a payment information sequence containing the personal bank account and the payment amount according to transfer time;
the deduction instruction receiving unit is used for receiving the deduction instruction;
the deduction information sequence generating unit is used for generating a deduction information sequence containing a collection enterprise bank account number, a personal bank account number and a deduction amount according to the deduction instruction;
and the payment matching unit is used for matching the deduction information sequence and the payment information sequence with the same personal account number and transferring the payment amount of the personal account number to the corresponding collection enterprise bank account number according to the matching result.
2. The system of claim 1, wherein matching the debit information sequence and the payment information sequence with the same personal account number comprises:
acquiring the sum of the payment amounts of the payment information sequence;
sorting the deduction information sequence in an ascending order according to the amount to generate a deduction amount sequence;
acquiring a collection enterprise bank account corresponding to each deduction amount of which the sum is less than or equal to the sum of the payment amount in the deduction information sequence;
and transferring the payment amount in the personal account to a collection enterprise bank account corresponding to each deduction amount.
CN2011102169720A 2011-07-29 2011-07-29 Agent service payment system based on online bank Pending CN102254262A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107038202A (en) * 2016-12-28 2017-08-11 阿里巴巴集团控股有限公司 Data processing method, device and equipment, computer-readable recording medium
CN112085487A (en) * 2020-09-25 2020-12-15 南京烽火天地通信科技有限公司 Payment program bill fixing method
CN114548967A (en) * 2021-12-27 2022-05-27 上海蒜芽信息科技有限公司 Electronic payment method, electronic payment device, computer device and storage medium

Citations (3)

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Publication number Priority date Publication date Assignee Title
JP2002063515A (en) * 2000-08-16 2002-02-28 The Daiwa Bank Ltd On-line account transfer system and transaction method using the same
CN1540560A (en) * 2003-10-27 2004-10-27 中国建设银行 Method ad system for transacting transfer of account for banks on network
CN102096872A (en) * 2011-02-12 2011-06-15 中国工商银行股份有限公司 Method and device for safety detection of online banking payment information

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002063515A (en) * 2000-08-16 2002-02-28 The Daiwa Bank Ltd On-line account transfer system and transaction method using the same
CN1540560A (en) * 2003-10-27 2004-10-27 中国建设银行 Method ad system for transacting transfer of account for banks on network
CN102096872A (en) * 2011-02-12 2011-06-15 中国工商银行股份有限公司 Method and device for safety detection of online banking payment information

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107038202A (en) * 2016-12-28 2017-08-11 阿里巴巴集团控股有限公司 Data processing method, device and equipment, computer-readable recording medium
CN107038202B (en) * 2016-12-28 2020-05-05 阿里巴巴集团控股有限公司 Data processing method, device and equipment and readable medium
CN112085487A (en) * 2020-09-25 2020-12-15 南京烽火天地通信科技有限公司 Payment program bill fixing method
CN114548967A (en) * 2021-12-27 2022-05-27 上海蒜芽信息科技有限公司 Electronic payment method, electronic payment device, computer device and storage medium

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Application publication date: 20111123