阅读说明：本技术 基于商业银行中介的红包支付方法及系统 (Red packet method of payment and system based on intermediary, business bank ) 是由 郁配华 于 2019-09-05 设计创作，主要内容包括：本发明涉及一种基于商业银行中介的红包支付方法及系统,其方法包括以下步骤：(1)在系统上编辑支付请求,支付请求包括支付方的支付金额和办理方式；(2)支付方提交支付请求并冻结支付方的账户内相应的支付金额,并输出支付方选择或设定的纸制红包；(3)系统在预设时间内是否获取收取方的对纸制红包的确认,若收取方确认,则将完成支付请求并将相应的支付金额汇入所述收取方的账户；若收取方在预设时间内未确认,则撤回所述支付请求,并将支付金额退回支付方的账户。该基于商业银行中介的红包支付方法减少不必要的现金的流通,同时可以满足居民客户随礼需求,既方便又有保障,且具有自动退回功能。(The present invention relates to a kind of red packet method of payment and system based on intermediary, business bank, the following steps are included: (1) edits payment request in system, payment request includes the payment amount of payer and handles mode method；(2) payer submits payment request and freezes corresponding payment amount in the account of payer, and exports the red packet made of paper of payer selection or setting；(3) whether system obtains the confirmation to red packet made of paper for the side of collecting within a preset time, if the side's of collecting confirmation, will complete payment request and by corresponding payment amount import described in the side of collecting account；If the side of collecting is confirmed within a preset time, the payment request is recalled, and payment amount is retracted to the account of payer.This reduces the circulation of unnecessary cash based on the red packet method of payment of intermediary, business bank, while can satisfy residential customers and giving present as returns demand, has not only facilitated but also secure, and have automatic retraction.)

1. a kind of red packet method of payment based on intermediary, business bank, which comprises the following steps:

(1) payment request is edited in system, the payment request includes the payment amount of payer and handles mode；

(2) payer submits the payment request and freezes the corresponding payment amount in the account of the payer, And export the red packet made of paper of the payer selection or setting；

(3) whether the system obtains the confirmation to the red packet made of paper for the side of collecting within a preset time, if the side of collecting Confirmation, then will complete the payment request and by the corresponding payment amount import described in the side of collecting account；If the receipts The side of taking is confirmed within a preset time, then recalls the payment request, and the payment amount is retracted to the account of the payer Family.

2. the red packet method of payment according to claim 1 based on intermediary, business bank, which is characterized in that described made of paper red Packet is noncash red packet.

3. the red packet method of payment according to claim 2 based on intermediary, business bank, which is characterized in that described made of paper red Packet is bank paying voucher.

4. the red packet method of payment according to claim 2 based on intermediary, business bank, which is characterized in that the step (1) it includes directly handling and reservation is handled that described in, which handles mode, described directly to handle, and directly submits the payment request； The reservation is handled including content of appointment, reservation type, the reservation amount of money, subscription time and confirmation site.

5. the red packet method of payment according to claim 4 based on intermediary, business bank, which is characterized in that the step (1) if further including passing through the silver of the payer in the bank account of the payer in corresponding business bank's Installed System Memory The payment request of row account editor user in the system of corresponding intelligent sales counter or Web bank or Mobile banking.

6. the red packet method of payment according to claim 5 based on intermediary, business bank, which is characterized in that the step (3) if further including the bank account in corresponding business bank's Installed System Memory in the side of collecting, pass through the silver of the side of collecting Row account carries out collecting confirmation in the system of corresponding intelligent sales counter or Web bank or Mobile banking.

7. the red packet method of payment according to claim 6 based on intermediary, business bank, which is characterized in that the step (3) request of the confirmation payment request is in obtain payment check information therein, and carries out to the payment check information Verification, if after being proved to be successful, the system gives confirmation the payment request；If verifying is unsuccessful, cancels the payment and ask It asks, the payment amount is retracted to the account of the payer.

8. the red packet method of payment according to claim 7 based on intermediary, business bank, which is characterized in that should be based on business After the red packet method of payment of intermediary, bank further includes step (4) if the payment request confirms successfully, automatically record and can be by institute State the side of collecting selection or setting extend appreciation, it is described extend appreciation by by the system the payer Mobile banking or Web bank Or SMS is shown；The bank paying voucher includes cashier's cheque or check or draft.

9. a kind of red packet payment system based on intermediary, business bank, which is characterized in that should be paid based on the red packet of business bank System includes editor module, submits module, verification processing module, recalls module, output module and database, the editor module For editing the payment request of payer；The submission module for submitting the payment request, use by the verification processing module In verifying and confirm the payment request；The module of recalling is for confirming that the payment is asked collecting time of the Fang Wei in setting When asking, the payment request is recalled；The output module is for exporting red packet made of paper；The database is for storing payment request Information, fund record information, extends appreciation information and confirmation message at verification information.

10. the red packet payment system according to claim 9 based on intermediary, business bank, which is characterized in that quotient should be based on The red packet payment system of industry bank further includes encrypting module and freezes module, and the module of freezing is for payer submission institute It states payment request and freeze the corresponding payment amount in the account of the payer；The encrypting module is for described The corresponding payment amount in the account of payer is encrypted after freezing, by verifying when to extract.

Technical field

The present invention relates to payment technology field more particularly to a kind of red packet method of payment based on intermediary, business bank and it is System.

Background technique

With the rapid development of our country's economy, the lasting propulsion of urbanization, resident, which communicates to enclose, to be growing, and interpersonal relationships becomes In complexity, worldly wisdom, courtesy demands reciprocity, and the chance of " contributing one's share of group gift " increased significantly, especially in relatives and friends' marriage, promotion, life Day, live in peace, enter a higher school and when the major holidays such as the Spring Festival, show more prominent.In fact, normal " contributing one's share of group gift " is resident Between express blessing, harmonious relationship, a kind of important social tool and form of enhancement friendship, have become social usage.

Resident's " contributing one's share of group gift " mainly has two kinds of forms of cash red packet and electronics red packet.Currently, when significant portion resident gives present as returns Using cash red packet, still, often there are problems in cash red packet: first is that should prepare existing for the person of giving present as returns Gold prepares red packet again, it has not been convenient to, and if it is more cash, it is difficult to it is fully seated in slight red packet, it is uneasy Entirely, unhygienic, unsightly, it is also possible to unrealistically comparing between friend to be caused, the social meaning of red packet significantly reduces；Second is that for For the person of receiving present, it is also dangerous, unhygienic to collect wholesale cash, in some instances it may even be possible to further encounter counterfeit money or red packet is lost, is stolen The problems such as.In addition, directly rejecting if the person of receiving present is not intended to accept covert payment, scene is awkward, can produce to the good relationship of both sides Raw adverse effect；Third is that for business bank, it will face flowability problem, especially during the Spring Festival, resident is a large amount of Enchashment is given present as returns, and to business bank, management of liquidity is a test in the daytime.

Another form is the electronics red packet in internet, such as wechat red packet, and still, there is also following for electronics red packet It is insufficient: first is that electronics red packet be it is point-to-point, the person of giving present as returns must specify the account of other side, if it is not known that the account of other side, with The electronics red packet of gift person will be difficult to send success；Second is that the person of giving present as returns is in mobile phone etc. in the case that good friend is more in social software An operation error on electronic equipment, for example overdue hit, it is possible to electronics red packet can send out to wrong object, subsequent correction get up ratio More awkward and trouble；Third is that in kind carrier of the electronics red packet without specific beauty, without strong ceremony sense, Mei Nenggeng Stick on the actual demand for cutting that courtesy demands reciprocity between resident.

In this regard, needing a kind of new red packet form, it was not only able to satisfy the objective demand of resident's favor pattern, but also can change one by one The solution above problem, a kind of red packet form based on business bank's payment intermediary function, the noncash based on intermediary, business bank are red Packet comes into being.

Modern humans origin generally has four basic functions: credit intermediary function, payment intermediary function, credit creation duty Energy, financial service function, wherein payment intermediary function refers to that business bank is the function that client handles currency receipt and payment and clearing, It is that business bank attracts clients and provide the major way of finance service.

Noncash red packet product based on intermediary, business bank is substantially that business bank's payment intermediary function is handed in resident Border is given present as returns the innovation and application in field, is the combination of business bank's evidence for payment and specific red packet carrier in form.It is, occupying The people utilize business bank's payment and settlement business, by cashier's cheque, draft, check and the remittance means of payment and the mode such as document, with Bank paying voucher replaces cash, is placed within the special red packet of business bank, thus red packet of giving present as returns needed for forming resident.

Specifically, residential customers propose to handle red packet business application to business bank, and business bank is according to payment and settlement The evidence for payment of the corresponding amount of money is outputed in business method and residential customers actual demand, is delivered in residential customers, meanwhile, guidance Above-mentioned evidence for payment is placed in the mating special big envelope provided of business bank by residential customers, forms red packet of giving present as returns.Resident visitor Family is used as the person of giving present as returns, and gives red packet to the person of receiving present.Within the regular hour, the person of receiving present is with materials such as red packet of giving present as returns, proofs of identification Material goes to business bank to receive appropriate corresponding amount of currency.Business bank is according to related service rule, by the contained goods of evidence for payment The coin amount of money is transferred from the bank account for the person of giving present as returns to the bank account for the person of receiving present, thus complete red packet the person of giving present as returns and the person of receiving present it Between transmitting.

Summary of the invention

The technical problem to be solved in the present invention is to provide a kind of methods of payment of red packet based on intermediary, business bank, subtract The circulation of few unnecessary cash, while can satisfy residential customers and giving present as returns demand, not only facilitate but also secure, and have and move back automatically Return function.

In order to solve the above-mentioned technical problem, the technical solution adopted by the present invention is that: should red packet based on intermediary, business bank Method of payment, comprising the following steps:

(1) payment request is edited in system, the payment request includes the payment amount of payer and handles mode；

(2) payer submits the payment request and to freeze the corresponding payment in the account of the payer golden Volume, and export the red packet made of paper of the payer selection or setting；

(3) whether the system obtains the confirmation to the red packet made of paper for the side of collecting within a preset time, if the receipts The side's of taking confirmation, then will complete the payment request and by the corresponding payment amount import described in the side of collecting account；If institute It states the side of collecting to be confirmed within a preset time, then recalls the payment request, and the payment amount is retracted into the payer Account.

By adopting the above technical scheme, payer in system by editing and submitting payment request, and system is further according to payment Request exports corresponding red packet made of paper, and payer gives red packet made of paper to the side of collecting, collects Fang Ruo and complete within a preset time really Recognize, then collects the corresponding amount of money of red packet；If the side of collecting does not complete confirmation in preset time, the corresponding amount of money of red packet retracts payment The account of side；Such setting can reduce the circulation of cash, and meet the custom that residential customers are given present as returns again, and payment amount can be with According to circumstances arbitrarily setting had not only facilitated but also secure, can also prevent from being falsely claimed as one's own after losing by other people；The step (2) is if branch It pays after payment request is submitted by side and does not confirm finally, then the amount of money freezed can still be retracted.

A further improvement of the present invention is that the red packet made of paper is noncash red packet.What is exported in this method is made of paper red Packet is not cash, is a red packet voucher；For different application scenarios, the special corresponding red packet big envelope of business bank, The means of payment are cooperated to use, the social meaning that more prominent resident gives present as returns.

A further improvement of the present invention is that the red packet made of paper is bank paying voucher.Wherein bank paying voucher is excellent It is selected as cashier's cheque or check or draft, but is not limited only to cashier's cheque or check or draft.

A further improvement of the present invention is that the mode of handling in the step (1) includes directly handling and reserving It handles, it is described directly to handle, directly submit the payment request；The reservation is handled including content of appointment, reservation type, pre- The about amount of money, subscription time and confirmation site.The payment red packet can choose during handling directly to be handled, and can also be reserved and be done Reason, and multiple contents can be reserved.

A further improvement of the present invention is that the step (1) is if further include existing in corresponding business bank's Installed System Memory The bank account of the payer, by the bank account of the payer in corresponding intelligent sales counter or Web bank or mobile phone The payment request of editor user in the system of bank.Payer in corresponding bank account, then may be used in business bank's Installed System Memory In intelligent sales counter or Web bank or Mobile banking or bank counter editor's payment request；Process is to file an application first, is deposited Enter the amount of money, then edit payment request, after the confirmed amount of money is sufficient, then prompts service charge and handle form, and select to handle form, To complete the editor of payment request.

As the preferred technical solution of the present invention, the step (3) is if further include in corresponding business bank's Installed System Memory Bank account in the side of collecting, by the bank account of the side of collecting in corresponding intelligent sales counter or Web bank or hand It carries out collecting confirmation in the system of machine bank.The side of collecting in business bank's Installed System Memory in corresponding bank account, then can be Intelligent sales counter or Web bank or Mobile banking or bank counter carry out collecting verifying and confirm, are proved to be successful, then will be corresponding The bank account of the red packet amount of money remittance side of collecting.

As the preferred technical solution of the present invention, the request of the confirmation payment request is in the step (3) to obtain it In payment check information, and the payment check information is verified, if the system gives confirmation institute after being proved to be successful State payment request；If verifying is unsuccessful, the payment request is cancelled, the payment amount is retracted to the account of the payer Family.Wherein payment check information includes recognition of face or/and identifying code.

As the preferred technical solution of the present invention, being somebody's turn to do the red packet method of payment based on intermediary, business bank further includes step (4) if after the payment request confirms successfully, automatically record and can be selected or be set by the side of collecting extend appreciation, it is described extend appreciation by It is shown by the system in the Mobile banking of the payer or Web bank or SMS；The bank paying with Card is preferably cashier's cheque or check or draft.The side of collecting collects to automatically record after red packet and return a salute in systems so as to subsequent, together When may be selected to extend appreciation in perhaps oneself editor's setting extend appreciation content；More convenient management of the residential customers to red packet receipt and payment, is promoted Business bank's service of goods ability, the display mode for extending appreciation content is not limited only to Mobile banking or Web bank or mobile phone is short Letter.

The present invention technical problem also to be solved, there is provided a kind of payments of red packet based on intermediary, business bank System, reduces the circulation of unnecessary cash, while can satisfy residential customers and giving present as returns demand, has not only facilitated but also secure, and have There is automatic retraction.

In order to solve the above-mentioned technical problem, the technical solution adopted by the present invention is that: should red packet based on intermediary, business bank Payment system includes editor module, submits module, verification processing module, recalls module, output module and database, the editor Module is used to edit the payment request of payer；The submission module is for submitting the payment request, the verification processing mould Block is for verifying and confirming the payment request；The module of recalling is for collecting Fang Wei in the time confirmation branch of setting When paying request, the payment request is recalled；The output module is for exporting red packet made of paper；The database is for storing payment Solicited message, fund record information, extends appreciation information and confirmation message at verification information.Verification processing module includes recognition of face mould Block and information authentication module.

As the preferred technical solution of the present invention, being somebody's turn to do the red packet payment system based on intermediary, business bank further includes encryption mould Block is used for the account that the payer submits the payment request freeze the payer with module, the module of freezing is freezed The indoor corresponding payment amount；The encrypting module is for the corresponding payment gold in the account of the payer Volume is encrypted after freezing, by verifying when to extract.Encrypting module can be used in combination with verification processing module.

Detailed description of the invention

Technical solution of the present invention is further described with reference to the accompanying drawing:

Fig. 1 is the system, combination business bank of the red packet method of payment based on intermediary, business bank of the embodiment of the present invention 3 The flow chart of system.

Specific embodiment

In order to deepen the understanding of the present invention, the present invention is done below in conjunction with drawings and examples and is further retouched in detail It states, the embodiment is only for explaining the present invention, does not constitute and limits to protection scope of the present invention.