Orientation method of payment and its system based on prepaid cardTechnical field
The present invention relates to payment technology fields on line, and in particular to a kind of orientation method of payment based on prepaid card and its isSystem.
Background technique
Traditional funds release and usage mode is the Third-party payments such as cash, bank card, Alipay or wechat, but above-mentionedVarious modes are open loop mode, i.e., user can arbitrarily using and be difficult to be supervised.This mode is very versatile, but faces oneIt is helpless when a little special screnes, such as: enterprise/government is issued to personal special subsides and funds, is only used for purchase foodProduct.
Summary of the invention
Based on this, in view of the above-mentioned problems, a kind of by trade company's black and white lists, terminal black and white lists and user it is necessary to proposeThe combination of fund Dynamic Management System realizes that funds release and the orientation based on prepaid card using the long-acting supervision of channel are paidMethod and its system；Fund can be completed from the fine-grained management and audit being issued to using links, the fund of ensure that makesSpecific aim, validity improve the supervisory efficiency of fund.
The present invention provides a kind of orientation method of payment based on prepaid card, and its technical solution is as follows:
A kind of orientation method of payment based on prepaid card, establishes trade company's black and white lists and terminal black and white lists, including followingStep:
A, the transaction request that user is initiated based on the end POS or MIS is received；
B, into deduction platform, internal amount of money deduction is carried out, and after the completion of deduction, issues request of withholing；
C, trade company's black and white lists and terminal black and white lists are based on, to related trade company by industry and business scope and trade companyAffiliated terminal under one's name distinguishes management, establishes multi-to-multi control collection table；
D, whether the object trade company for judging that user initiates transaction is black name in trade company's black and white lists or terminal black and white listsSingle trade company, the request if it is, rejection is withholdd, and the notice that payment fails is issued to the end POS or MIS；If it is not, then connecingReceipts are withholdd request, and enter step d；
E, processing of withholing is carried out, judges whether success of withholing, if it is, it is successfully logical to withhold to deduction platform sendingKnow；If it is not, then returning the deduction amount of money, and the notice for failure of withholing is issued to the end POS or MIS.
In the technical scheme, be realize funds release and using channel long-acting supervision, devise trade company's black and white lists,Terminal black and white lists and user's fund Dynamic Management System, wherein trade company's black and white lists, to trade company by industry, business scope etc. intoRow distinguishes management, establishes multi-to-multi control collection table, realizes one-to-one, one-to-many, the many-one of one or a collection of fund, multipairMore orientations pays control, can be suitably used for which trade company controls to every fund；Terminal black and white lists, under one's name to trade companyAffiliated terminal further discriminate between management, establish multi-to-multi control collection table, realize the one-to-one of one or a collection of fund,One-to-many, the orientation of many-one, multi-to-multi pays control, which terminal that can be suitably used for trade company to every fund is carried out into oneWalk the control of fining；The management of user's fund dynamic can control the fund of personal each channel, and three control systems are mutualIt matches, fund can be completed from the fine-grained management and audit being issued to using links；When use of funds, user is in quotientIt swipes the card or mobile phone on family POS, transaction is by sending to POSP (POS Proxy Platform, POS on after three layers of key code systems encryptionAgent platform), by the way that POSP is transformed, user's fund dynamic management system, trade company's black and white lists pipe are arrived first in transaction carries outAvailability of funds verifying, if three sets of systems are verified, fund are executed in reason system and terminal black and white lists management systemIt can use, subsequent transaction process be executed, conversely, refusal of then trading；Realize the dynamic supervision of special fund.
Preferably, between the step a and step b the following steps are included:
Every fund attribute of user is obtained, each fund attribute includes entry-into-force time, out-of-service time and applicable channelMark；
Judge whether every attribute of acquisition fund meets transaction carry out condition, if it is satisfied, then receiving buying signals；Such asFruit is unsatisfactory for, then refuses buying signals.
In user's fund dynamic management system, property control is carried out to every fund of each user, each fundAttribute includes: the entry-into-force time, is applicable in channel mark (being generated jointly by trade company's black and white lists and terminal black and white lists) at the out-of-service timeDeng；When fund is traded, system can check whether every attribute of fund meets transaction carry out condition, if not satisfied, thenTransaction refusal.
Preferably, the step b the following steps are included:
B101, after receiving buying signals, automatic deduction request is issued；
B102, automatic deduction request is received, is deducted according to user's residue deduction amount of money；
B103, the deduction amount of money is obtained, and according to former transaction amount, calculates the amount of money of the actually required payment of user；
B104, according to the amount of money of the actually required payment of user, sending is withholdd request.
Internal processing of withholing is carried out to former transaction amount, reduces the actual expenses amount of money of user, that improves user uses bodyIt tests.
Preferably, further comprising the steps of:
When success of withholing, and after withholing successfully notice to deduction platform sending, the practical deduction amount of money is obtained, and to correlationUser issues deduction notice.After trading successfully, user's deducted amount and the actual expenses amount of money are informed, user management fund is facilitated to believeBreath.
Preferably, further comprising the steps of:
After obtaining the practical deduction amount of money, assembling includes the response report of former transaction amount, the deduct amount of money and practical deducted amountText；
Back message is sent to the end POS or MIS, and prints receipt.
By former transaction amount, the deduction amount of money and the assembling of practical deducted amount, message is formed, and print receipt, response to quotientFamily makes user, trade company and system platform that can record transaction details, facilitates inquiry, realizes fine-grained management.
The orientation payment system based on prepaid card that the present invention also provides a kind of, its technical solution is as follows:
A kind of orientation payment system based on prepaid card, including transaction acceptance module, the amount of money deduction module, trade company manage mouldBlock, trade company's judgment module and judgment module of withholing, in which:
Transaction acceptance module, the transaction request initiated for receiving user based on the end POS or MIS；
Amount of money deduction module issues request of withholing for carrying out internal amount of money deduction, and after the completion of deduction；
Trade company's management module is based on trade company's black and white lists and terminal black and white lists, by industry and manages model to related trade companyIt encloses and trade company's affiliated terminal under one's name distinguishes management, establish multi-to-multi control collection table；
Trade company's judgment module, whether the object trade company for judging that user initiates transaction is that trade company's black and white lists or terminal are blackBlacklist trade company in white list；
It withholds judgment module, for carrying out processing of withholing, judges whether success of withholing, if it is, to deduction platform hairIt withholds out successful notice；If it is not, then returning the deduction amount of money, and the notice for failure of withholing is issued to the end POS or MIS.
It preferably, further include fund receiving module and determined property module, in which:
Fund receiving module, for obtaining every fund attribute of user, each fund attribute includes entry-into-force time, failureTime and applicable channel mark；
Determined property module, for judging whether every attribute of acquisition fund meets transaction carry out condition, if it is satisfied,Then receive buying signals；If conditions are not met, then refusing buying signals.
Preferably, the amount of money deduction module includes that deduction requests submodule, deduction processing submodule, the amount of money to calculate submoduleIt block and withholds and requests submodule, in which:
Deduction request submodule issues automatic deduction request after receiving buying signals；
Deduct processing submodule, for receiving automatic deduction request, is deducted according to user's residue deduction amount of money；
Amount of money computational submodule calculates the actually required branch of user for obtaining the deduction amount of money, and according to former transaction amountThe amount of money paid；
It withholds and requests submodule, for the amount of money according to the actually required payment of user, issue request of withholing.
It preferably, further include the notification module that deducts, for withholing successful lead to when success of withholing, and to deduction platform sendingAfter knowing, the practical deduction amount of money is obtained, and issue deduction notice to associated user.
It preferably, further include message assembling module and receipt print module, in which:
Message assembles module, and after obtaining the practical deduction amount of money, assembling includes former transaction amount, the deduction amount of money and realityThe back message of deducted amount；
Receipt print module for sending back message to the end POS or MIS, and prints receipt.
The beneficial effects of the present invention are:
The present invention is based on prepaid card Payment Systems, are managed by trade company's black and white lists, terminal black and white lists, user's fund dynamicFunds release and the long-acting supervision using channel are realized in the combination of reason system；Three control systems are worked in coordination, and can complete to provideGold realizes the orientation payment function of fund from the fine-grained management and audit that are issued to using links.
Detailed description of the invention
Fig. 1 is the flow chart of the orientation method of payment described in the embodiment of the present invention based on prepaid card；
Fig. 2 is the functional block diagram of the orientation payment system described in the embodiment of the present invention based on prepaid card.
Description of symbols:
10- transaction acceptance module；20- amount of money deduction module；201- deduction request submodule；202- deduction processing submoduleBlock；203- amount of money computational submodule；204-, which withholds, requests submodule；30- trade company management module；40- trade company judgment module；50-It withholds judgment module；60- fund receiving module；70- determined property module；80- deduction notification module；901- message group is die-fillingBlock；902- receipt print module.
Specific embodiment
The embodiment of the present invention is described in detail with reference to the accompanying drawing.
Embodiment 1
As shown in Figure 1, a kind of orientation method of payment based on prepaid card, establishes trade company's black and white lists and terminal black and white nameIt is single, comprising the following steps:
A, the transaction request that user is initiated based on the end POS or MIS is received；
B, into deduction platform, internal amount of money deduction is carried out, and after the completion of deduction, issues request of withholing；
C, trade company's black and white lists and terminal black and white lists are based on, to related trade company by industry and business scope and trade companyAffiliated terminal under one's name distinguishes management, establishes multi-to-multi control collection table；
D, whether the object trade company for judging that user initiates transaction is black name in trade company's black and white lists or terminal black and white listsSingle trade company, the request if it is, rejection is withholdd, and the notice that payment fails is issued to the end POS or MIS；If it is not, then connecingReceipts are withholdd request, and enter step d；
E, processing of withholing is carried out, judges whether success of withholing, if it is, it is successfully logical to withhold to deduction platform sendingKnow；If it is not, then returning the deduction amount of money, and the notice for failure of withholing is issued to the end POS or MIS.
In the present embodiment, to realize funds release and using the long-acting supervision of channel, trade company's black and white lists, end are devisedBlack and white lists and user's fund Dynamic Management System are held, wherein trade company's black and white lists, trade company is carried out by industry, business scope etc.Management is distinguished, multi-to-multi control collection table is established, realizes one-to-one, one-to-many, the many-one of one or a collection of fund, multi-to-multiOrientation pay control, can be suitably used for which trade company controls to every fund；Terminal black and white lists, under one's name to trade companyAffiliated terminal further discriminates between management, establishes multi-to-multi control collection table, realizes the one-to-one of one or a collection of fund, and oneTo more, many-one, the orientation of multi-to-multi pays control, which terminal that can be suitably used for trade company to every fund carries out furtherThe control of fining；The management of user's fund dynamic can control the fund of personal each channel, and three control systems are mutualCooperation can complete fund from the fine-grained management and audit being issued to using links；When use of funds, user is in businessmanIt swipes the card on POS or mobile phone, transaction is by sending to POSP (POS Proxy Platform, POS generation on after three layers of key code systems encryptionPlatform), by the way that POSP is transformed, user's fund dynamic management system, trade company's black and white lists management are arrived first in transaction carries outAvailability of funds verifying is executed in system and terminal black and white lists management system, if three sets of systems are verified, fund canWith execution subsequent transaction process, conversely, refusal of then trading；Realize the dynamic supervision of special fund.
Embodiment 2
The present embodiment on the basis of embodiment 1, between the step a and step b the following steps are included:
Every fund attribute of user is obtained, each fund attribute includes entry-into-force time, out-of-service time and applicable channelMark；
Judge whether every attribute of acquisition fund meets transaction carry out condition, if it is satisfied, then receiving buying signals；Such asFruit is unsatisfactory for, then refuses buying signals.
In user's fund dynamic management system, property control is carried out to every fund of each user, each fundAttribute includes: the entry-into-force time, is applicable in channel mark (being generated jointly by trade company's black and white lists and terminal black and white lists) at the out-of-service timeDeng；When fund is traded, system can check whether every attribute of fund meets transaction carry out condition, if not satisfied, thenTransaction refusal.
Embodiment 3
The present embodiment on the basis of embodiment 2, the step b the following steps are included:
B101, after receiving buying signals, automatic deduction request is issued；
B102, automatic deduction request is received, is deducted according to user's residue deduction amount of money；
B103, the deduction amount of money is obtained, and according to former transaction amount, calculates the amount of money of the actually required payment of user；
B104, according to the amount of money of the actually required payment of user, sending is withholdd request.
Internal processing of withholing is carried out to former transaction amount, reduces the actual expenses amount of money of user, that improves user uses bodyIt tests.
Embodiment 4
The present embodiment is on the basis of embodiment 1, further comprising the steps of:
When success of withholing, and after withholing successfully notice to deduction platform sending, the practical deduction amount of money is obtained, and to correlationUser issues deduction notice.After trading successfully, user's deducted amount and the actual expenses amount of money are informed, user management fund is facilitated to believeBreath.
Embodiment 5
The present embodiment is further comprising the steps of on the basis of embodiment 4:
After obtaining the practical deduction amount of money, assembling includes the response report of former transaction amount, the deduct amount of money and practical deducted amountText；
Back message is sent to the end POS or MIS, and prints receipt.
By former transaction amount, the deduction amount of money and the assembling of practical deducted amount, message is formed, and print receipt, response to quotientFamily makes user, trade company and system platform that can record transaction details, facilitates inquiry, realizes fine-grained management.
Embodiment 6
The present embodiment is the system of embodiment 1, as shown in Fig. 2, a kind of orientation payment system based on prepaid card, including hand overEasy receiving module 10, amount of money deduction module 20, trade company's management module 30, trade company's judgment module 40 and judgment module 50 of withholing,In:
Transaction acceptance module 10, the transaction request initiated for receiving user based on the end POS or MIS；
Amount of money deduction module 20 issues request of withholing for carrying out internal amount of money deduction, and after the completion of deduction；
Trade company's management module 30 is based on trade company's black and white lists and terminal black and white lists, presses industry and operation to related trade companyThe affiliated terminal of range and trade company under one's name distinguishes management, establishes multi-to-multi control collection table；
Trade company's judgment module 40, whether the object trade company for judging that user initiates transaction is trade company's black and white lists or terminalBlacklist trade company in black and white lists；
It withholds judgment module 50, for carrying out processing of withholing, judges whether success of withholing, if it is, to deduction platformSending is withholdd successful notice；If it is not, then returning the deduction amount of money, and the notice for failure of withholing is issued to the end POS or MIS.
Embodiment 7
The present embodiment is the system of embodiment 2, further includes fund receiving module 60 and determined property module 70, in which:
Fund receiving module 60, for obtaining every fund attribute of user, each fund attribute includes the entry-into-force time, losesImitate time and applicable channel mark；
Determined property module 70, for judging whether every attribute of acquisition fund meets transaction carry out condition, if fullFoot, then receive buying signals；If conditions are not met, then refusing buying signals.
Embodiment 8
The present embodiment is the system of embodiment 3, and the amount of money deduction module 20 includes deduction request submodule 201, deductionIt handles submodule 202, amount of money computational submodule 203 and withholds and request submodule 204, in which:
Deduction request submodule 201 issues automatic deduction request after receiving buying signals；
Deduct processing submodule 202, for receiving automatic deduction request, is deducted according to user's residue deduction amount of money；
Amount of money computational submodule 203 calculates the practical institute of user for obtaining the deduction amount of money, and according to former transaction amountThe amount of money that need to be paid；
It withholds and requests submodule 204, for the amount of money according to the actually required payment of user, issue request of withholing.
Embodiment 9
The present embodiment is the system of embodiment 4, further includes deduction notification module 80, for when withholing success, and to deductionPlatform sending is withholdd after successfully notice, obtains the practical deduction amount of money, and issue deduction notice to associated user.
Embodiment 10
The present embodiment is the system of embodiment 5, further includes message assembling module 901 and receipt print module 902, in which:
Message assemble module 901, after obtaining the practical deduction amount of money, assembling include original transaction amount, deduct the amount of money andThe back message of practical deducted amount；
Receipt print module 902 for sending back message to the end POS or MIS, and prints receipt.
A specific embodiment of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneouslyLimitations on the scope of the patent of the present invention therefore cannot be interpreted as.It should be pointed out that for those of ordinary skill in the artFor, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to guarantor of the inventionProtect range.