阅读说明：本技术 一种账户托管方法及系统 (Account hosting method and system ) 是由 赵俊权 于 2021-07-29 设计创作，主要内容包括：本发明提供了一种账户托管方法及系统,涉及电子支付技术领域,该方法包括：S1、平台商申请开通托管业务,托管系统审核平台商的资质,对平台商的用户进行实名校验,调用支付核心系统创建支付账户；S2、支付核心系统返回支付账户给托管系统；S3、托管系统将支付账户与用户进行绑定关联,钱包开通成功；S4、托管系统将用户的钱包绑定银行卡；S5、支付核心系统扣除绑定的银行卡内资金,对钱包进行充值；S6、托管系统获取充值结果后返回给平台商,钱包充值完成；S7、支付核心系统扣除用户支付账户的资金,进行钱包消费,返回消费结果给托管系统；S8、托管系统记录支付结果,钱包消费完成,为平台商的钱包的安全与合规提供保障。(The invention provides an account escrow method and an account escrow system, which relate to the technical field of electronic payment, and the method comprises the following steps: s1, the platform merchant applies for opening the hosting service, the hosting system audits the qualification of the platform merchant, real-name verification is carried out on the user of the platform merchant, and the payment core system is called to establish a payment account; s2, the payment core system returns the payment account to the hosting system; s3, binding and associating the payment account with the user by the escrow system, and successfully opening the wallet; s4, binding the wallet of the user with a bank card by the escrow system; s5, the payment core system deducts the funds in the bound bank card, and recharges the wallet; s6, the escrow system returns the recharging result to the platform merchant, and the wallet recharging is completed; s7, deducting funds of a user payment account by the payment core system, carrying out wallet consumption, and returning a consumption result to the escrow system; and S8, the escrow system records the payment result, the wallet consumption is completed, and the security and compliance of the wallet of the platform merchant are guaranteed.)

1. An account escrow method, characterized by: the method comprises the following steps:

s1, the platform merchant applies for opening a hosting service to the hosting system, the hosting system audits the qualification of the platform merchant, performs real-name verification on the user of the platform merchant, and calls a payment core system to create a payment account;

s2, after the payment core system successfully establishes the payment account, returning the payment account to the escrow system;

s3, the escrow system binds and associates the payment account with the user, the wallet is successfully opened, and the result is returned to the platform merchant;

s4, binding the wallet of the user with a bank card by the escrow system;

s5, deducting the funds in the bound bank card by the payment core system, recharging the wallet, and returning the recharging result to the escrow system;

s6, the escrow system returns the recharging result to the platform merchant after obtaining the recharging result, the platform merchant obtains the recharging result, the recharging result is displayed to the user, and the wallet recharging is completed;

s7, deducting funds of a user payment account by the payment core system, carrying out wallet consumption, and returning a consumption result to the escrow system;

and S8, the escrow system records the payment result and returns the payment result to the platform merchant, the platform merchant returns the payment result to the user, and the wallet consumption is completed.

2. An account escrow method according to claim 1, wherein: the step S1 includes the following steps:

s11, the platform businessman applies for opening the hosting service to the hosting system;

s12, the hosting system audits the qualification of the platform merchant and returns the platform registration number to the platform merchant;

s13, the user of the platform merchant clicks the wallet function in the platform;

s14, the platform merchant collects user information including mobile phone numbers, identity cards and names, and calls the hosting system to apply for opening a payment account;

and S15, the hosting system carries out real-name verification on the user information, and calls the payment core system to create the payment account after the authenticity of the user information is confirmed.

3. An account escrow method according to claim 1, wherein: the step S4 includes the following steps:

s41, collecting the bank card information of the user by the platform merchant, and transmitting the information to the management supporting system;

s42, the escrow system checks the consistency of the information of the bank card and the information of the real name of the user, if the authentication is passed, the quick signing information is sent to the payment core system to initiate the quick protocol signing, and the quick signing information comprises the bank card, the name and the identity card; if the authentication fails, returning to the binding failure;

s43, the payment core system initiates a shortcut protocol contract to a channel, namely a bank, the channel issues a verification short message to a user, the user backfills the short message verification information through a page of a platform merchant after receiving the verification short message, and the platform merchant sends the short message verification information to a hosting system;

s44, the hosting system calls a short message verification interface of the shortcut protocol to upload;

s45, returning a signing result to the payment core system after the channel receives the short message for verification and check;

and S46, after receiving the signing result of the payment core system, the escrow system binds the relationship between the user and the bank card, returns the signing agreement number to the platform merchant, and after receiving the signing agreement number, the platform merchant displays the successful binding result to the user.

4. An account escrow method according to claim 3, wherein: the step S5 includes the following steps:

s51, the user selects the bank card to initiate a wallet recharging application, the platform business collects the protocol number and the amount information of the bank card of the user and calls the wallet recharging application;

s52, the hosting system verifies the agreement number of the user and the service authority of the platform merchant, if the verification is passed, the rapid payment application is initiated to the payment core system, and the step S53 is skipped; if the verification fails, returning recharging failure;

and S53, the payment core system performs payment processing, funds in the user bank card are deducted through a channel, the payment core system adds money to the payment account of the user, and a charging result is returned to the escrow system.

5. An account escrow method according to claim 4, wherein: the step S7 includes the following steps:

s71, the user consumes with the balance of the wallet, the platform merchant collects the consumption information including the merchant, the order, the user and the amount, and sends the wallet consumption application to the trusteeship system;

s72, the escrow system verifies the business authority of the merchant, the user and the platform merchant, if the verification is passed, the escrow system initiates a wallet consumption request to the payment core system, and if the verification is not passed, the escrow system returns consumption failure;

and S73, the payment core system deducts the funds in the payment account of the user, adds the funds into the account to be settled of the merchant, and returns the payment result to the escrow system.

6. An account escrow system, characterized by: the system comprises a hosting system and a core payment system;

the escrow system is used for receiving an escrow service opening application of the platform merchant, checking the qualification of the platform merchant, carrying out real-name verification on a user of the platform merchant, and calling the payment core system to create a payment account; binding and associating the payment account with the user, opening the wallet, and returning a result to the platform merchant; binding a wallet of a user with a bank card; the recharging result is obtained and then returned to the platform business, the platform business obtains the recharging result, the recharging result is displayed to the user, and the wallet recharging is completed; recording a payment result, returning the payment result to the platform merchant, and returning the payment result to the user by the platform merchant to finish wallet consumption;

the payment core system is used for creating a payment account and returning the payment account to the escrow system; deducting the fund in the bound bank card, recharging the wallet, and returning the recharging result to the escrow system; and deducting the funds of the user payment account, performing wallet consumption, and returning a consumption result to the escrow system.

Technical Field

The invention relates to the technical field of electronic payment, in particular to an account escrow method and system.

Background

With the continuously strengthened supervision of the national policy on the internet financial account and the online application wallet, the tolerance on risks such as second class clear is gradually reduced, and the legality and the compliance of the internet financial account and the online application wallet become problems which must be solved by each platform merchant and each merchant, so that the business requirements of the internet financial account and the online application wallet are met, and the legal regulation supervision is met.

Disclosure of Invention

In order to overcome the defects of the prior art, the invention provides an account hosting method to solve the technical problems.

The technical method for solving the technical problem is as follows: in a method of remotely downloading a master key, the improvement comprising: the method comprises the following steps: s1, the platform merchant applies for opening a hosting service to the hosting system, the hosting system audits the qualification of the platform merchant, performs real-name verification on the user of the platform merchant, and calls a payment core system to create a payment account; s2, after the payment core system successfully establishes the payment account, returning the payment account to the escrow system; s3, the escrow system binds and associates the payment account with the user, the wallet is successfully opened, and the result is returned to the platform merchant; s4, binding the wallet of the user with a bank card by the escrow system; s5, deducting the funds in the bound bank card by the payment core system, recharging the wallet, and returning the recharging result to the escrow system; s6, the escrow system returns the recharging result to the platform merchant after obtaining the recharging result, the platform merchant obtains the recharging result, the recharging result is displayed to the user, and the wallet recharging is completed;

s7, deducting funds of a user payment account by the payment core system, carrying out wallet consumption, and returning a consumption result to the escrow system; and S8, the escrow system records the payment result and returns the payment result to the platform merchant, the platform merchant returns the payment result to the user, and the wallet consumption is completed.

In the above method, the step S1 includes the following steps:

s11, the platform businessman applies for opening the hosting service to the hosting system;

s12, the hosting system audits the qualification of the platform merchant and returns the platform registration number to the platform merchant;

s13, the user of the platform merchant clicks the wallet function in the platform;

s14, the platform merchant collects user information including mobile phone numbers, identity cards and names, and calls the hosting system to apply for opening a payment account;

and S15, the hosting system carries out real-name verification on the user information, and calls the payment core system to create the payment account after the authenticity of the user information is confirmed.

In the above method, the step S4 includes the following steps:

s41, collecting the bank card information of the user by the platform merchant, and transmitting the information to the management supporting system;

s42, the escrow system checks the consistency of the information of the bank card and the information of the real name of the user, if the authentication is passed, the quick signing information is sent to the payment core system to initiate the quick protocol signing, and the quick signing information comprises the bank card, the name and the identity card; if the authentication fails, returning to the binding failure;

s43, the payment core system initiates a shortcut protocol contract to a channel, namely a bank, the channel issues a verification short message to a user, the user backfills the short message verification information through a page of a platform merchant after receiving the verification short message, and the platform merchant sends the short message verification information to a hosting system;

s44, the hosting system calls a short message verification interface of the shortcut protocol to upload;

s45, returning a signing result to the payment core system after the channel receives the short message for verification and check;

and S46, after receiving the signing result of the payment core system, the escrow system binds the relationship between the user and the bank card, returns the signing agreement number to the platform merchant, and after receiving the signing agreement number, the platform merchant displays the successful binding result to the user.

In the above method, the step S5 includes the following steps:

s51, the user selects the bank card to initiate a wallet recharging application, the platform business collects the protocol number and the amount information of the bank card of the user and calls the wallet recharging application;

s52, the hosting system verifies the agreement number of the user and the service authority of the platform merchant, if the verification is passed, the rapid payment application is initiated to the payment core system, and the step S53 is skipped; if the verification fails, returning recharging failure;

and S53, the payment core system performs payment processing, funds in the user bank card are deducted through a channel, the payment core system adds money to the payment account of the user, and a charging result is returned to the escrow system.

In the above method, the step S7 includes the following steps:

s71, the user consumes with the balance of the wallet, the platform merchant collects the consumption information including the merchant, the order, the user and the amount, and sends the wallet consumption application to the trusteeship system;

s72, the escrow system verifies the business authority of the merchant, the user and the platform merchant, if the verification is passed, the escrow system initiates a wallet consumption request to the payment core system, and if the verification is not passed, the escrow system returns consumption failure;

and S73, the payment core system deducts the funds in the payment account of the user, adds the funds into the account to be settled of the merchant, and returns the payment result to the escrow system.

The invention also provides an account escrow system, which comprises an escrow system and a core payment system;

the escrow system is used for receiving an escrow service opening application of the platform merchant, checking the qualification of the platform merchant, carrying out real-name verification on a user of the platform merchant, and calling the payment core system to create a payment account; binding and associating the payment account with the user, opening the wallet, and returning a result to the platform merchant; binding a wallet of a user with a bank card; the recharging result is obtained and then returned to the platform business, the platform business obtains the recharging result, the recharging result is displayed to the user, and the wallet recharging is completed; recording a payment result, returning the payment result to the platform merchant, and returning the payment result to the user by the platform merchant to finish wallet consumption;

the payment core system is used for creating a payment account and returning the payment account to the escrow system; deducting the fund in the bound bank card, recharging the wallet, and returning the recharging result to the escrow system; and deducting the funds of the user payment account, performing wallet consumption, and returning a consumption result to the escrow system.

The invention has the beneficial effects that: through legal and compliant payment accounts of the payment mechanism, a convenient wallet trusteeship service is provided for merchants and platform merchants, the wallet trusteeship service comprises four functions of wallet opening, bank card binding, wallet recharging, wallet consumption and the like, and daily conventional business requirements of the platform merchants and the merchants are met; and the wallet of the user on the platform merchant corresponds to the payment account of the payment mechanism one by one, thereby effectively avoiding the potential risk of second clear of the platform merchant or fund collection and providing guarantee for the safety and compliance of the wallet of the platform merchant.

Drawings

FIG. 1 is a flow chart of an account escrow method of the present invention.

Detailed Description

The invention is further illustrated with reference to the following figures and examples.

The conception, the specific structure, and the technical effects produced by the present invention will be clearly and completely described below in conjunction with the embodiments and the accompanying drawings to fully understand the objects, the features, and the effects of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments, and those skilled in the art can obtain other embodiments without inventive effort based on the embodiments of the present invention, and all embodiments are within the protection scope of the present invention. In addition, all the connection/connection relations referred to in the patent do not mean that the components are directly connected, but mean that a better connection structure can be formed by adding or reducing connection auxiliary components according to specific implementation conditions. All technical characteristics in the invention can be interactively combined on the premise of not conflicting with each other.

Referring to fig. 1, an account hosting method of the present invention includes the following steps:

s1, the platform merchant applies for opening a hosting service to the hosting system, the hosting system audits the qualification of the platform merchant, performs real-name verification on the user of the platform merchant, and calls a payment core system to create a payment account;

specifically, the method comprises the following steps:

s11, the platform businessman applies for opening the hosting service to the hosting system;

s12, the hosting system audits the qualification of the platform merchant and returns the platform registration number to the platform merchant;

s13, the user of the platform merchant clicks the wallet function in the platform;

s14, the platform merchant collects user information including mobile phone numbers, identity cards and names, and calls the hosting system to apply for opening a payment account;

and S15, the hosting system carries out real-name verification on the user information, and calls the payment core system to create the payment account after the authenticity of the user information is confirmed.

And S2, after the payment core system successfully creates the payment account, returning the payment account to the hosting system.

And S3, the escrow system binds and associates the payment account with the user, successfully opens the wallet, and returns the result to the platform merchant.

S4, binding the wallet of the user with a bank card by the escrow system;

specifically, the method comprises the following steps:

s41, collecting the bank card information of the user by the platform merchant, and transmitting the information to the management supporting system;

s42, the escrow system checks the consistency of the information of the bank card and the information of the real name of the user, if the authentication is passed, the quick signing information is sent to the payment core system to initiate the quick protocol signing, and the quick signing information comprises the bank card, the name and the identity card; if the authentication fails, returning to the binding failure;

s43, the payment core system initiates a shortcut protocol contract to a channel, namely a bank, the channel issues a verification short message to a user, the user backfills the short message verification information through a page of a platform merchant after receiving the verification short message, and the platform merchant sends the short message verification information to a hosting system;

s44, the hosting system calls a short message verification interface of the shortcut protocol to upload;

s45, returning a signing result to the payment core system after the channel receives the short message for verification and check;

and S46, after receiving the signing result of the payment core system, the escrow system binds the relationship between the user and the bank card, returns the signing agreement number to the platform merchant, and after receiving the signing agreement number, the platform merchant displays the successful binding result to the user.

S5, deducting the funds in the bound bank card by the payment core system, recharging the wallet, and returning the recharging result to the escrow system;

specifically, the method comprises the following steps:

s51, the user selects the bank card to initiate a wallet recharging application, the platform business collects the protocol number and the amount information of the bank card of the user and calls the wallet recharging application;

s52, the hosting system verifies the agreement number of the user and the service authority of the platform merchant, if the verification is passed, the rapid payment application is initiated to the payment core system, and the step S53 is skipped; if the verification fails, returning recharging failure;

and S53, the payment core system performs payment processing, funds in the user bank card are deducted through a channel, the payment core system adds money to the payment account of the user, and a charging result is returned to the escrow system.

And S6, the escrow system returns the recharging result to the platform merchant after acquiring the recharging result, the platform merchant acquires the recharging result, the recharging result is displayed to the user, and the wallet recharging is completed.

S7, deducting funds of a user payment account by the payment core system, carrying out wallet consumption, and returning a consumption result to the escrow system;

specifically, the method comprises the following steps:

s71, the user consumes with the balance of the wallet, the platform merchant collects the consumption information including the merchant, the order, the user and the amount, and sends the wallet consumption application to the trusteeship system;

s72, the escrow system verifies the business authority of the merchant, the user and the platform merchant, if the verification is passed, the escrow system initiates a wallet consumption request to the payment core system, and if the verification is not passed, the escrow system returns consumption failure;

and S73, the payment core system deducts the funds in the payment account of the user, adds the funds into the account to be settled of the merchant, and returns the payment result to the escrow system.

And S8, the escrow system records the payment result and returns the payment result to the platform merchant, the platform merchant returns the payment result to the user, and the wallet consumption is completed.

The invention also comprises an account escrow system, comprising an escrow system and a core payment system;

the escrow system is used for receiving an escrow service opening application of the platform merchant, checking the qualification of the platform merchant, carrying out real-name verification on a user of the platform merchant, and calling the payment core system to create a payment account; binding and associating the payment account with the user, opening the wallet, and returning a result to the platform merchant; binding a wallet of a user with a bank card; the recharging result is obtained and then returned to the platform business, the platform business obtains the recharging result, the recharging result is displayed to the user, and the wallet recharging is completed; recording a payment result, returning the payment result to the platform merchant, and returning the payment result to the user by the platform merchant to finish wallet consumption;

the payment core system is used for creating a payment account and returning the payment account to the escrow system; deducting the fund in the bound bank card, recharging the wallet, and returning the recharging result to the escrow system; and deducting the funds of the user payment account, performing wallet consumption, and returning a consumption result to the escrow system.

The invention provides convenient wallet trusteeship service for merchants and platform merchants through legal and compliant payment accounts of the payment mechanism, and the wallet trusteeship service comprises four functions of wallet opening, bank card binding, wallet recharging, wallet consumption and the like, thereby meeting the daily routine business requirements of the platform merchants and the merchants; and the wallet of the user on the platform merchant corresponds to the payment account of the payment mechanism one by one, thereby effectively avoiding the potential risk of second clear of the platform merchant or fund collection and providing guarantee for the safety and compliance of the wallet of the platform merchant.

While the preferred embodiments of the present invention have been illustrated and described, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.