Financial transaction method, device and system

Abstract

The embodiments of the present application provide a financial transaction method, device and system, which can be used in the financial field. The method includes: a financial institution server receives a payment item application sent by a public service provider, and returns a corresponding project number and a collection agency agreement after approving the payment item application; generates a corresponding collection agency agreement based on the signing result, the project number and the payer file sent by the public service provider; receives a payment item query instruction sent by the public service consumer and returns a corresponding collection agency agreement; receives a payment request sent by the public service provider and performs a financial transaction operation based on the payment request, the corresponding payment account information and the deduction account information; the present application can effectively protect the information security and privacy in the financial transaction process and improve the efficiency of financial transactions.

Description

Technical Field

[0001] The present application relates to the field of data processing and can also be used in the financial field, specifically to a financial transaction method, device and system. Background Art

[0002] In real life, customers need to sign a tripartite agreement with a public service provider and a bank. For example, customers need to pay water bills to a water supply company, electricity bills to a power supply company, and tuition fees to a school. Generally, the bank provides a paper copy of the tripartite agreement to the public service provider. The public service provider verifies the customer's identity document and bank account originals, collects relevant information such as copies of the customer's identity document and bank account, and signs the paper tripartite agreement before handing it over to the bank. The bank enters the paper copy of the tripartite agreement into the system to generate a collection agency agreement between the public service provider and the bank and a deduction agency agreement between the customer and the bank, thereby realizing automatic payment by the customer and automatic collection by the public service provider.

[0003] The inventors discovered that the signing process of the above agreement had the following deficiencies:

[0004] First, customers need to provide their bank account information to the public service provider, which poses a risk of leakage of customer bank account information, and the public service provider is also worried about taking this responsibility.

[0005] Secondly, the public service provider is generally unable to verify the status of the bank account provided by the customer. It often happens that some customers provide bank accounts with abnormal status and they cannot be discovered in time. It is not discovered until the bank subsequently checks the bank account status when entering the system. At this time, the customer needs to be notified to go through the relevant procedures again.

[0006] Third, when the customer's bank card is lost, expires, or the number is changed later, the customer is also required to go to the bank to handle card replacement and other services. If the bank account information changes, the customer must also provide the replaced bank account information to the public service provider. Running back and forth is time-consuming and laborious. Summary of the Invention

[0007] In response to the problems in the prior art, the present application provides a financial transaction method, device and system that can effectively ensure the information security and privacy during financial transactions and improve the efficiency of financial transactions.

[0008] In order to solve at least one of the above problems, the present application provides the following technical solutions:

[0009] In a first aspect, the present application provides a financial transaction method, applied to a server of a financial institution, the method comprising:

[0010] Receive a payment item application sent by a public service provider, review and approve the payment item application, and return a corresponding item number and a collection agency agreement, so that the public service provider signs the received collection agency agreement and returns the signing result, the item number, and a payee file, wherein the payment item application includes the payment account information of the public service provider, and the payee file includes the public service consumer information;

[0011] Generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's document sent by the public service provider;

[0012] Receive a payment item query instruction sent by the public service consumer and return a corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and then returns the deduction account information;

[0013] Receive a payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0014] Furthermore, the receiving of the payment item application sent by the public service provider, and returning the corresponding item number and the entrusted collection agreement after approving the payment item application, include:

[0015] Receive a payment item application from a public service provider, generate a corresponding item number and a collection agency agreement after approving the payment item application, and establish an association and binding relationship with the payment item;

[0016] The project number and the entrusted collection agreement are encrypted using a local private key and a public key reserved by the public service provider and then sent to the public service provider.

[0017] Furthermore, generating a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider includes:

[0018] Decrypt the signing result, the project number, and the payer file sent by the public service provider using the local private key and the public key reserved by the public service provider, and generate a corresponding entrusted withholding agreement;

[0019] The status of the entrusted collection agreement corresponding to the signing result is updated to signed and the public service provider is notified, and the status of the entrusted withholding agreement is updated to pending signing.

[0020] In a second aspect, the present application provides a financial transaction method, applied to a public service provider, the method comprising:

[0021] Sending a payment item application to a financial institution server, so that the financial institution server reviews the payment item application and returns a corresponding item number and a collection agency agreement, wherein the payment item application includes payment account information;

[0022] receiving the item number and the entrusted collection agreement sent by the financial institution server and signing the agreement, returning the signing result, the item number, and the payee file to the financial institution server, so that the financial institution server generates a corresponding entrusted collection agreement based on the signing result, the item number, and the payee file, and causing the financial institution server to receive a collection item query instruction sent by the public service consumer and return the corresponding entrusted collection agreement, and after the public service consumer confirms the entrusted collection agreement, returning the deduction account information to the financial institution server, wherein the payee file includes the public service consumer information;

[0023] A payment request is sent to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information.

[0024] Furthermore, the receiving of the project number and the entrusted collection agreement sent by the financial institution server and signing the agreement, and returning the signing result, the project number and the payer file to the financial institution server, includes:

[0025] Receive the project number and the entrusted collection agreement sent by the financial institution server, and decrypt the data using the local private key and the public key reserved by the financial institution server;

[0026] The entrusted collection agreement after data decryption is signed, and the signing result, the project number and the payer file are returned to the financial institution server.

[0027] In a third aspect, the present application provides a financial transaction method, which is applied to a public service consumer, and the method comprises:

[0028] Sending a collection item query instruction to the financial institution server so that the financial institution server returns a corresponding entrusted collection agreement, wherein the entrusted collection agreement is generated by the financial institution server according to the signing result, item number, and payer file sent by the public service provider, the signing result is obtained after the public service provider receives the entrusted collection agreement sent by the financial institution server and signs it, and the public service provider returns the signing result, item number, and payer file to the financial institution server, the entrusted collection agreement is generated after the financial institution server receives the collection item application sent by the public service provider and approves the collection item application, the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information;

[0029] After confirming the entrusted withholding agreement, the deduction account information is sent to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0030] Furthermore, after confirming the entrusted deduction agreement, sending the deduction account information to the financial institution server includes:

[0031] Confirm the entrusted withholding agreement and enter the deduction account information;

[0032] The entrusted withholding agreement confirmation signal and the deduction account information are sent to the financial institution server, so that the financial institution server updates the entrusted withholding agreement status to signed.

[0033] In a fourth aspect, the present application provides a financial transaction device, applied to a server of a financial institution, comprising:

[0034] The collection agreement module is used to receive a collection item application sent by a public service provider, and after approving the collection item application, return the corresponding item number and the entrusted collection agreement, so that the public service provider can sign the received entrusted collection agreement and return the signing result, the item number, and the payer file, wherein the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information;

[0035] A withholding agreement module, configured to generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider;

[0036] An item query module is used to receive a payment item query instruction sent by the public service consumer and return a corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and returns the deduction account information;

[0037] The transfer operation module is used to receive the payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0038] Furthermore, the collection agreement module includes:

[0039] An application receiving unit is used to receive a payment item application sent by a public service provider, generate a corresponding item number and a collection agency agreement after approving the payment item application, and establish an associated binding relationship with the payment item;

[0040] The protocol encryption unit is used to encrypt the project number and the entrusted collection agreement using a local private key and a public key reserved by the public service provider, and then send the encrypted data to the public service provider.

[0041] Furthermore, the withholding agreement module includes:

[0042] a data decryption unit, configured to decrypt the signing result, the project number, and the payer file sent by the public service provider according to a local private key and a public key reserved by the public service provider, and generate a corresponding entrusted withholding agreement;

[0043] A status updating unit is used to update the status of the entrusted collection agreement corresponding to the signing result to signed and notify the public service provider, and update the status of the entrusted withholding agreement to pending signing.

[0044] In a fifth aspect, the present application provides a financial transaction device, comprising:

[0045] A project application module is configured to send a payment project application to a financial institution server, so that the financial institution server returns a corresponding project number and a collection agency agreement after reviewing the payment project application, wherein the payment project application includes payment account information;

[0046] an agreement signing module, configured to receive the project number and the entrusted collection agreement sent by the financial institution server and sign the agreement, return the signing result, the project number, and the payee file to the financial institution server, so that the financial institution server generates a corresponding entrusted collection agreement based on the signing result, the project number, and the payee file, and cause the financial institution server to receive a collection item query instruction sent by the public service consumer and return the corresponding entrusted collection agreement; after the public service consumer confirms the entrusted collection agreement, return the deduction account information to the financial institution server, wherein the payee file includes the public service consumer information;

[0047] The payment request module is used to send a payment request to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0048] Furthermore, the agreement signing module includes:

[0049] A protocol decryption unit, configured to receive the project number and the entrusted collection agreement sent by the financial institution server, and decrypt the data based on a local private key and a public key reserved by the financial institution server;

[0050] The agreement signing unit is used to sign the entrusted collection agreement after data decryption, and return the signing result, the project number and the payer file to the financial institution server.

[0051] In a sixth aspect, the present application provides a financial transaction device, comprising:

[0052] a sending query module, configured to send a collection item query instruction to a financial institution server, so that the financial institution server returns a corresponding entrusted withholding agreement, wherein the entrusted withholding agreement is generated by the financial institution server according to the signing result, item number, and payer file sent by the public service provider, the signing result is obtained after the public service provider receives the entrusted withholding agreement sent by the financial institution server and signs it, and the public service provider returns the signing result, item number, and payer file to the financial institution server, the entrusted withholding agreement is generated after the financial institution server receives the collection item application sent by the public service provider and approves the collection item application, the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information;

[0053] The agreement confirmation module is used to send the deduction account information to the financial institution server after confirming the entrusted deduction agreement, so that the financial institution server performs a financial transaction operation according to the collection request, the corresponding collection account information and the deduction account information.

[0054] Furthermore, the protocol confirmation module includes:

[0055] An information entry unit, used to confirm the entrusted withholding agreement and enter the deduction account information;

[0056] An information sending unit is used to send a confirmation signal of the entrusted withholding agreement and the deduction account information to the financial institution server, so that the financial institution server updates the status of the entrusted withholding agreement to signed.

[0057] In a seventh aspect, the present application provides a financial transaction system, comprising: a financial institution server, a public service provider and a public service consumer in communication with the financial institution server;

[0058] The financial institution server includes:

[0059] The collection agreement module is used to receive the collection project application sent by the public service provider, and return the corresponding project number and the entrusted collection agreement after approving the collection project application;

[0060] A withholding agreement module, configured to generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider;

[0061] The project query module is used to receive the payment project query instruction sent by the public service consumer and return the corresponding entrusted deduction agreement;

[0062] A transfer operation module, configured to receive a payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information;

[0063] The public service providers include:

[0064] Project application module, used to send a payment project application to the financial institution server;

[0065] an agreement signing module, configured to receive the project number and the entrusted collection agreement sent by the financial institution server and sign the agreement, and return the signing result, the project number, and the payer's file to the financial institution server;

[0066] A payment request module, configured to send a payment request to the server of the financial institution;

[0067] The public service consumers include:

[0068] A sending query module, configured to send a collection item query instruction to a financial institution server, so that the financial institution server returns a corresponding entrusted withholding agreement;

[0069] The agreement confirmation module is used to send the deduction account information to the financial institution server after confirming the entrusted deduction agreement.

[0070] In an eighth aspect, the present application provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the financial transaction method when executing the program.

[0071] In a ninth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which implements the steps of the financial transaction method when executed by a processor.

[0072] In a tenth aspect, the present application provides a computer program product, comprising a computer program / instruction, which implements the steps of the financial transaction method when executed by a processor.

[0073] It can be seen from the above technical solution that the present application provides a financial transaction method, device and system, which receives the collection item application sent by the public service provider through the financial institution server, and returns the corresponding project number and entrusted collection agreement after approving the collection item application; generates the corresponding entrusted withholding agreement according to the signing result, the project number and the payer file sent by the public service provider; receives the collection item query instruction sent by the public service consumer and returns the corresponding entrusted withholding agreement; receives the collection request sent by the public service provider and performs financial transaction operations according to the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0074] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0075] Figure 1 This is one of the flowcharts of the financial transaction method in the embodiment of the present application;

[0076] Figure 2This is a second flow chart of the financial transaction method in an embodiment of the present application;

[0077] Figure 3 This is the third flowchart of the financial transaction method in the embodiment of the present application;

[0078] Figure 4 This is a fourth flowchart of the financial transaction method in an embodiment of the present application;

[0079] Figure 5 This is the fifth flowchart of the financial transaction method in the embodiment of the present application;

[0080] Figure 6 This is the sixth flow chart of the financial transaction method in the embodiment of the present application;

[0081] Figure 7 This is the seventh flowchart of the financial transaction method in the embodiment of the present application;

[0082] Figure 8 This is one of the structural diagrams of the financial transaction device in the embodiment of the present application;

[0083] Figure 9 This is the second structural diagram of the financial transaction device in the embodiment of the present application;

[0084] Figure 10 This is the third structural diagram of the financial transaction device in the embodiment of the present application;

[0085] Figure 11 This is the fourth structural diagram of the financial transaction device in the embodiment of the present application;

[0086] Figure 12 This is the fifth structural diagram of the financial transaction device in the embodiment of the present application;

[0087] Figure 13 This is the sixth structural diagram of the financial transaction device in the embodiment of the present application;

[0088] Figure 14 This is the seventh structural diagram of the financial transaction device in the embodiment of the present application;

[0089] Figure 15 This is a structural diagram of a financial transaction system in an embodiment of the present application;

[0090] Figure 16 A schematic diagram of a financial transaction process in a specific embodiment of the present application;

[0091] Figure 17 This is a flow chart of signing a collection agency agreement in a specific embodiment of the present application;

[0092] Figure 18This is a flow chart of signing a commissioned withholding agreement in a specific embodiment of the present application;

[0093] Figure 19 This is a structural diagram of a payment agreement signing device in a specific embodiment of the present application;

[0094] Figure 20 Schematic diagram of the structure of the electronic device in the embodiment of the present application. DETAILED DESCRIPTION

[0095] To make the purpose, technical solutions, and advantages of the embodiments of this application more clear, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.

[0096] The acquisition, storage, use, and processing of data in this application's technical solution comply with relevant national laws and regulations.

[0097] In view of the problems existing in the prior art, the present application provides a financial transaction method, device and system, which receives a collection item application sent by a public service provider through a financial institution server, and returns the corresponding project number and entrusted collection agreement after approving the collection item application; generates a corresponding entrusted withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receives a collection item query instruction sent by the public service consumer and returns the corresponding entrusted withholding agreement; receives a collection request sent by the public service provider and performs financial transaction operations according to the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0098] In order to effectively protect the information security and privacy during financial transactions and improve the efficiency of financial transactions, this application provides an embodiment of a financial transaction method, the execution subject is a financial institution server, see Figure 1 , the financial transaction method specifically includes the following contents:

[0099] Step A101: Receive a payment item application sent by a public service provider, approve the payment item application, and return the corresponding project number and agency collection agreement, so that the public service provider can sign the agency collection agreement received and return the signing result, the project number, and the payer file, wherein the payment item application contains the payment account information of the public service provider, and the payer file contains the public service consumer information.

[0100] Optionally, the public service provider in this application may apply to its bank (i.e., the financial institution's server) to create a new payment item. For example, this may be done through an offline counter or online corporate banking, bank-enterprise interconnection, or other channels. Information about the payment item includes: item name, payee company code, payee company name, and payment account.

[0101] Optionally, in this application, after the bank (i.e., the financial institution server) receives the application for the new collection item, it completes the approval, generates a project number for the approved one, associates it with the collection item information, and saves it in the system. The project number uniquely identifies the collection item, and the project number and the text content of the entrusted collection agreement are signed with the bank's private key, encrypted with the public key of the public provider, and then fed back to the public service provider; at the same time, if the approval is not passed, the result information of the failure of the new collection item is fed back to the public service provider, and the process ends.

[0102] Optionally, in this application, the public service provider signs the project number and the payer file containing at least one payer user code and user payment content information with its private key, and then encrypts it with the bank's public key and sends it to the bank. The payer user code is generated by the public service provider when the customer opens an account, and the user payment content information corresponds to the payment object of the user with the user code. For example, in the water and electricity bill payment agreement, the user payment content information is the user's specific payment address information, which can be consistent with the address information on the real estate certificate.

[0103] Step A102: Generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider.

[0104] Optionally, in this application, the bank decrypts with its private key and then verifies the signature with the public key of the public provider to obtain the project number and the payer file containing at least one payer user code and user payment content information, generates a commissioned collection agreement number, and generates a commissioned withholding agreement number for each payer user code. The commissioned collection agreement number and the commissioned withholding agreement number are both associated with the project number, and the commissioned collection agreement status is marked as "normal", and the commissioned withholding agreement status is marked as "to be signed", and the result information of the successful signing of the commissioned collection agreement is fed back to the public service provider.

[0105] Step A103: receiving the payment item query instruction sent by the public service consumer and returning the corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and then returns the deduction account information.

[0106] Optionally, in this application, the customer (i.e., the public service consumer) queries the payment item information through the bank system, for example, the customer can query by the payee's company name. After querying the payment item information, based on the payment item information, the customer further enters the payee's user code to query the status of the entrusted withholding agreement. If the status is "to be signed", the entrusted withholding agreement is signed. If the status is "normal", the customer can choose to change the payment account if necessary.

[0107] Optionally, in this application, after the customer agrees to the contents of the agreement, he / she enters the payee's deduction account information, including the name and account number of the bank account. The bank will initiate an authentication and account status check of the deduction account for the customer. After all checks are passed, the status of the entrusted deduction agreement for the payee's user number will be set to "normal".

[0108] In one embodiment of the present application, the customer enters the payee's deduction account information, including the name and account number of the bank account. The bank will initiate an authentication and account status check of the deduction account for the customer. After both are passed, if the customer of the account is not the same person as the customer of the current deduction account, the customer will be prompted to read the content of the entrusted withholding agreement. After the customer agrees to the content of the agreement, the status of the entrusted withholding agreement of the payee's user number will be set to "normal". Otherwise, the status of the entrusted withholding agreement of the payee's user number will be directly set to "normal".

[0109] Step A104: receiving the payment request sent by the public service provider and performing a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0110] From the above description, it can be seen that the financial transaction method provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0111] In one embodiment of the financial transaction method of the present application, see Figure 2 , and can also include the following:

[0112] Step A201: receiving a payment item application sent by a public service provider, generating a corresponding item number and a collection agency agreement after approving the payment item application, and establishing an associated binding relationship with the payment item.

[0113] Step A202: Encrypt the project number and the entrusted collection agreement using the local private key and the public key reserved by the public service provider, and then send the encrypted data to the public service provider.

[0114] In one embodiment of the financial transaction method of the present application, see Figure 3 , and can also include the following:

[0115] Step A301: Decrypt the signing result, the project number, and the payer file sent by the public service provider based on the local private key and the public key reserved by the public service provider, and generate a corresponding entrusted deduction agreement.

[0116] Step A302: updating the status of the entrusted collection agreement corresponding to the signing result to signed and notifying the public service provider, and updating the status of the entrusted withholding agreement to pending signing.

[0117] In order to effectively protect the information security and privacy during financial transactions and improve the efficiency of financial transactions, this application provides an embodiment of a financial transaction method, the execution subject is a public service provider, see Figure 4 , the financial transaction method specifically includes the following contents:

[0118] Step A401: Send a payment item application to a financial institution server, so that the financial institution server returns a corresponding item number and a collection agency agreement after reviewing the payment item application, wherein the payment item application includes payment account information.

[0119] Step A402: Receive the project number and the entrusted collection agreement sent by the financial institution server and sign them, return the signing result, the project number and the payer file to the financial institution server, so that the financial institution server generates a corresponding entrusted collection agreement based on the signing result, the project number and the payer file, and enables the financial institution server to receive the collection item query instruction sent by the public service consumer and return the corresponding entrusted collection agreement. After the public service consumer confirms the entrusted collection agreement, it returns the deduction account information to the financial institution server, wherein the payer file contains the public service consumer information.

[0120] Step A403: Sending a payment request to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information.

[0121] From the above description, it can be seen that the financial transaction method provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0122] In one embodiment of the financial transaction method of the present application, see Figure 5 , and can also include the following:

[0123] Step A501: Receive the project number and the entrusted collection agreement sent by the financial institution server, and decrypt the data according to the local private key and the public key reserved by the financial institution server.

[0124] Step A502: The decrypted collection agreement is signed, and the signing result, the project number, and the payer file are returned to the financial institution server.

[0125] In order to effectively protect the information security and privacy during financial transactions and improve the efficiency of financial transactions, this application provides an embodiment of a financial transaction method, the execution subject is a public service consumer, see Figure 6 , the financial transaction method specifically includes the following contents:

[0126] Step A601: Send a collection item query instruction to the financial institution server, so that the financial institution server returns the corresponding entrusted collection agreement, wherein the entrusted collection agreement is generated by the financial institution server according to the signing result, project number and payer file sent by the public service provider, and the signing result is obtained after the public service provider receives the entrusted collection agreement sent by the financial institution server and signs it. The public service provider returns the signing result, project number and payer file to the financial institution server. The entrusted collection agreement is generated after the financial institution server receives the collection item application sent by the public service provider and approves the collection item application. The collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information.

[0127] Step A602: After confirming the entrusted deduction agreement, the deduction account information is sent to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0128] From the above description, it can be seen that the financial transaction method provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0129] In one embodiment of the financial transaction method of the present application, see Figure 7 , and can also include the following:

[0130] Step A701: Confirm the entrusted deduction agreement and enter the deduction account information.

[0131] Step A702: Sending the entrusted withholding agreement confirmation signal and the deduction account information to the financial institution server, so that the financial institution server updates the entrusted withholding agreement status to signed.

[0132] In order to effectively protect the information security and privacy during financial transactions and improve the efficiency of financial transactions, this application provides an embodiment of a financial transaction device for implementing all or part of the content of the financial transaction method, which is applied to a financial institution server, see Figure 8 The financial transaction device specifically includes the following contents:

[0133] The collection agreement module 11 is used to receive a collection item application sent by a public service provider, and after approving the collection item application, return the corresponding project number and the agency collection agreement, so that the public service provider can sign the received agency collection agreement and return the signing result, the project number and the payer file, wherein the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information.

[0134] The withholding agreement module 12 is configured to generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer file sent by the public service provider.

[0135] The item query module 13 is used to receive the payment item query instruction sent by the public service consumer and return the corresponding entrusted withholding agreement, so that the public service consumer can confirm the entrusted withholding agreement and then return the deduction account information.

[0136] The transfer operation module 14 is configured to receive a payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information.

[0137] From the above description, it can be seen that the financial transaction device provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0138] In one embodiment of the financial transaction device of the present application, see Figure 9 , the collection agreement module 11 includes:

[0139] The application receiving unit 111 is used to receive a payment item application sent by a public service provider, generate a corresponding item number and a collection agency agreement after approving the payment item application, and establish an associated binding relationship with the payment item.

[0140] The protocol encryption unit 112 is configured to encrypt the project number and the entrusted collection agreement using a local private key and a public key reserved by the public service provider, and then send the encrypted data to the public service provider.

[0141] In one embodiment of the financial transaction device of the present application, see Figure 10 , the withholding agreement module 12 includes:

[0142] The data decryption unit 121 is used to decrypt the signing result, the project number and the payer file sent by the public service provider according to the local private key and the public key reserved by the public service provider, and generate a corresponding entrusted withholding agreement.

[0143] The status updating unit 122 is configured to update the status of the entrusted collection agreement corresponding to the signing result to signed and notify the public service provider, and update the status of the entrusted withholding agreement to pending signing.

[0144] In order to effectively protect the information security and privacy during financial transactions and improve the efficiency of financial transactions, this application provides an embodiment of a financial transaction device for implementing all or part of the content of the financial transaction method, which is applied to a public service provider, see Figure 11 The financial transaction device specifically includes the following contents:

[0145] The project application module 21 is used to send a collection project application to the financial institution server, so that the financial institution server returns the corresponding project number and entrusted collection agreement after approving the collection project application, wherein the collection project application includes collection account information.

[0146] The agreement signing module 22 is used to receive the project number and the entrusted collection agreement sent by the financial institution server and sign them, and return the signing result, the project number and the payer file to the financial institution server, so that the financial institution server generates a corresponding entrusted collection agreement based on the signing result, the project number and the payer file, and enables the financial institution server to receive the collection item query instruction sent by the public service consumer and return the corresponding entrusted collection agreement. After the public service consumer confirms the entrusted collection agreement, it returns the deduction account information to the financial institution server, wherein the payer file contains the public service consumer information.

[0147] The payment request module 23 is configured to send a payment request to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information.

[0148] From the above description, it can be seen that the financial transaction device provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0149] In one embodiment of the financial transaction device of the present application, see Figure 12 , the agreement signing module 22 includes:

[0150] The protocol decryption unit 221 is configured to receive the project number and the entrusted collection agreement sent by the financial institution server, and decrypt the data based on a local private key and a public key reserved by the financial institution server.

[0151] The agreement signing unit 222 is used to sign the entrusted collection agreement after data decryption, and return the signing result, the project number and the payer file to the financial institution server.

[0152] In order to effectively protect the information security and privacy during financial transactions and improve the efficiency of financial transactions, this application provides an embodiment of a financial transaction device for implementing all or part of the content of the financial transaction method, which is applied to public service consumers. Figure 13The financial transaction device specifically includes the following contents:

[0153] The sending query module 31 is used to send a collection item query instruction to the financial institution server so that the financial institution server returns the corresponding entrusted collection agreement, wherein the entrusted collection agreement is generated by the financial institution server according to the signing result, project number and payer file sent by the public service provider, and the signing result is obtained after the public service provider receives the entrusted collection agreement sent by the financial institution server and signs it. The public service provider returns the signing result, project number and payer file to the financial institution server. The entrusted collection agreement is generated after the financial institution server receives the collection item application sent by the public service provider and approves the collection item application. The collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information.

[0154] The agreement confirmation module 32 is used to send the deduction account information to the financial institution server after confirming the entrusted deduction agreement, so that the financial institution server performs a financial transaction operation according to the collection request, the corresponding collection account information and the deduction account information.

[0155] From the above description, it can be seen that the financial transaction device provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0156] In one embodiment of the financial transaction device of the present application, see Figure 14 , the protocol confirmation module 32 includes:

[0157] The information input unit 321 is used to confirm the entrusted withholding agreement and input the deduction account information.

[0158] The information sending unit 322 is used to send the entrusted withholding agreement confirmation signal and the deduction account information to the financial institution server, so that the financial institution server updates the entrusted withholding agreement status to signed.

[0159] In order to further illustrate this solution, this application also provides a specific application example of a system using the above-mentioned financial transaction device to implement the financial transaction method, see Figure 15 and Figure 16 , specifically including the following contents: a financial institution server 10, a public service provider 20 communicating with the financial institution server 10, and a public service consumer 30.

[0160] The financial institution server 10 includes:

[0161] The collection agreement module 11 is used to receive a collection item application sent by a public service provider, and return a corresponding item number and a collection agreement after approving the collection item application.

[0162] The withholding agreement module 12 is configured to generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer file sent by the public service provider.

[0163] The item query module 13 is used to receive the payment item query instruction sent by the public service consumer and return the corresponding entrusted deduction agreement.

[0164] A transfer operation module 14 is configured to receive a payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information;

[0165] The public service provider 20 includes:

[0166] The project application module 21 is used to send a payment project application to the financial institution server.

[0167] The agreement signing module 22 is used to receive the project number and the entrusted collection agreement sent by the financial institution server and sign the agreement, and return the signing result, the project number and the payer file to the financial institution server.

[0168] The payment request module 23 is used to send a payment request to the financial institution server.

[0169] The public service consumers 30 include:

[0170] The sending query module 31 is used to send a collection item query instruction to the financial institution server, so that the financial institution server returns the corresponding entrusted withholding agreement.

[0171] The agreement confirmation module 32 is used to send the deduction account information to the financial institution server after confirming the entrusted deduction agreement.

[0172] From the above description, it can be seen that the financial transaction system provided in the embodiment of the present application can receive the collection item application sent by the public service provider through the financial institution server, and return the corresponding project number and agency collection agreement after approving the collection item application; generate the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receive the collection item query instruction sent by the public service consumer and return the corresponding agency withholding agreement; receive the collection request sent by the public service provider and perform financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0173] In one embodiment of the present application, see Figure 17 This application provides a process for signing a collection agency agreement, which specifically includes:

[0174] In step S101, the public service provider applies to its bank for a new payment item. This can be done, for example, at a bank counter or through online corporate banking or a bank-enterprise interconnection channel. The payment item information includes the item name, payee company code, payee company name, and payee account. The process then proceeds to step S102.

[0175] In step S102, after the bank receives the application for the new collection item, it completes the approval process. If the application is approved, a project number is generated, which is associated with the collection item information and stored in the system. The project number uniquely identifies the collection item. The project number and the text of the entrusted collection agreement are signed with the bank's private key, encrypted with the public key of the public provider, and then fed back to the public service provider, and then proceeds to step S103. If the application is not approved, the result information of the failure of the new collection item is fed back to the public service provider, and the process ends.

[0176] In step S103, after receiving the feedback from the bank, the public service provider decrypts the information with its private key and verifies the signature with the bank's public key to obtain the project number and the text of the entrusted collection agreement. After agreeing to the text of the agreement, the public service provider initiates the signing process of the entrusted collection agreement based on the project number, including:

[0177] The public service provider signs the project number and the payer file containing at least one payer user code and user payment content information with its private key, then encrypts it with the bank's public key and sends it to the bank. The payer user code is generated by the public service provider when the customer opens an account. The user payment content information corresponds to the payment object of the user with the user code. For example, in a water or electricity bill payment agreement, the user payment content information is the user's specific payment address information, which can be consistent with the address information on the real estate certificate;

[0178] The bank decrypts the information with its private key and then verifies the signature with the public key of the public provider, thereby obtaining the project number and the payer file containing at least one payer user code and user payment content information, generating an agency collection agreement number, and generating an agency withholding agreement number for each payer user code. The agency collection agreement number and the agency withholding agreement number are both associated with the project number, and the agency collection agreement status is marked as "normal" and the agency withholding agreement status is marked as "to be signed", and the result information of the successful signing of the agency collection agreement is fed back to the public service provider.

[0179] In one embodiment of the present application, see Figure 18 This application provides a process in which, after the public provider signs an agency collection agreement with the bank, the customer signs an agency collection agreement with the bank, including:

[0180] In step S201, the customer queries the payment item information through the bank system, for example, by the name of the payee's company. After the payment item information is found, the process proceeds to step S202.

[0181] In step S202, based on the information of the collection item, the payer's user code is further input to query the status of its entrusted withholding agreement. If the status is "to be signed", step S203 is entered to sign the entrusted withholding agreement. If the status is "normal", the customer can choose to change the payment account if necessary, and then step S204 is entered.

[0182] In step S203, after the customer agrees to the agreement, he / she enters the payee's debit account information, including the name and account number of the bank account. The bank will initiate an authentication and account status check of the debit account for the customer. If both are passed, the bank will set the status of the entrusted debit agreement for the payee's user number to "normal".

[0183] In step S204, the customer enters the payee's debit account information, including the name and account number of the bank account. The bank will initiate an authentication and account status check of the debit account for the customer. If both are passed, if the customer of the account is not the same person as the customer of the current debit account, the customer will be prompted to read the contents of the entrusted debit agreement. After the customer agrees to the contents of the agreement, the status of the entrusted debit agreement for the payee's user number will be set to "normal". Otherwise, the status of the entrusted debit agreement for the payee's user number will be directly set to "normal".

[0184] In one embodiment of the present application, see Figure 19 , this application provides a structural diagram of a payment agreement signing device, including:

[0185] Receipt Item Maintenance Unit 1 is used by public service providers to apply for new receivable items with their bank accounts. For example, applications can be made through offline counters, online corporate banking, or through the bank-enterprise interconnection channel. Information about the receivable item includes the item name, the payee's company code, the payee's company name, and the payee account.

[0186] The collection agreement processing unit 2 is used for the bank to, upon receiving the information provided by the public service provider, sign the project number and the payer file containing at least one payer user code and user payment content information with its private key, then encrypt the information with the bank's public key, decrypt it with its private key, and then verify the signature with the public provider's public key, thereby obtaining the project number and the payer file containing at least one payer user code and user payment content information submitted by the public provider, generating a commissioned collection agreement number, and generating a commissioned withholding agreement number for each payer user code, both of which are associated with the project number, and marking the commissioned collection agreement status as "normal" and marking the commissioned withholding agreement status as "to be signed", and feeding back the result information of the successful signing of the commissioned collection agreement to the public service provider.

[0187] The debit agreement processing unit 3 is used for the customer to query the status of the entrusted debit agreement based on the collection item and the payer's user code. For the status of "to be signed", after the customer agrees to the content of the agreement, the payer's debit account information, including the name and account number of the bank account, is entered, and the debit account is sent to the account checking unit 4, which initiates the authentication and account status check of the debit account for the customer. If both are passed, the status of the entrusted debit agreement of the payer's user number is set to "normal". For the status of "normal", if the customer needs to change the payment account, he can choose If the payment account is changed, the customer enters the payee's debit account information, including the name and account number of the bank account, and sends the debit account to the account checking unit 4, which initiates authentication and account status checks on the debit account for the customer. If both are passed, if the customer of the account is not the same person as the customer of the current debit account, the customer is prompted to read the contents of the entrusted debit agreement. After the customer agrees to the contents of the agreement, the status of the entrusted debit agreement for the payee's user number is set to "normal". Otherwise, the status of the entrusted debit agreement for the payee's user number is directly set to "normal".

[0188] The account checking unit 4 is used to complete the authentication and account status check of the debit account entered by the customer.

[0189] From the above content, it can be seen that in the entire process of signing the agreement of this application, the customer does not need to provide his or her bank account information to the public service provider, thereby avoiding the risk of leakage of customer bank account information, and the public service provider does not have to worry about taking responsibility for leakage of customer bank account information; secondly, the public service provider does not need to check the status of the bank account information provided by the customer. When the customer and the bank sign the debit agreement, the bank's system will check it in real time, avoiding the problem of the customer providing a bank account with an abnormal status and not being able to discover it in time, which is quick and convenient.

[0190] At the same time, when a customer's account expires and the debit account information needs to be changed, the customer only needs to complete it through the bank system by themselves, without having to run back and forth between the bank and the public service provider. In other words, when the public service provider signs a collection agreement with the bank, it will associate the user code with the user's payment content information. It does not need to reflect the user's debit account information. Instead, when the customer signs the debit agreement with the bank, the user code is associated with the customer's bank debit account information. This solves the problems of leaking customer bank account information, timely checking account status, and subsequent convenient replacement of bank account information, saving time and effort, and conserving social resources.

[0191] From a hardware perspective, in order to effectively protect information security and privacy during financial transactions and improve financial transaction efficiency, this application provides an embodiment of an electronic device for implementing all or part of the financial transaction method. The electronic device specifically includes the following:

[0192] A processor, memory, a communications interface, and a bus; wherein the processor, memory, and communications interface communicate with each other via the bus; the communications interface is used to transmit information between the financial transaction device and related devices such as core business systems, user terminals, and related databases; the logic controller can be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the logic controller can be implemented with reference to the embodiments of the financial transaction method and the embodiments of the financial transaction device in the embodiments, and their contents are incorporated herein, and any repetitions are not repeated.

[0193] It is understandable that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Among them, the smart wearable device may include smart glasses, a smart watch, a smart bracelet, etc.

[0194] In practical applications, portions of the financial transaction method may be executed on the electronic device as described above, or all operations may be performed on the client device. The specific selection may depend on the processing capabilities of the client device and the limitations of the user's usage scenario. This application does not impose any restrictions on this. If all operations are performed on the client device, the client device may also include a processor.

[0195] The client device may include a communication module (i.e., a communication unit) that can establish a communication connection with a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, may also include a server on an intermediate platform, such as a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, a server cluster consisting of multiple servers, or a server structure of a distributed device.

[0196] Figure 20 Schematic block diagram of the system structure of the electronic device 9600 according to an embodiment of the present application. Figure 20 As shown, the electronic device 9600 may include a central processing unit 9100 and a memory 9140; the memory 9140 is coupled to the central processing unit 9100. It is worth noting that the Figure 20 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0197] In one embodiment, the financial transaction method function may be integrated into the central processing unit 9100. The central processing unit 9100 may be configured to perform the following control:

[0198] Step A101: Receive a payment item application sent by a public service provider, approve the payment item application, and return the corresponding project number and agency collection agreement, so that the public service provider can sign the agency collection agreement received and return the signing result, the project number, and the payer file, wherein the payment item application contains the payment account information of the public service provider, and the payer file contains the public service consumer information.

[0199] Step A102: Generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider.

[0200] Step A103: receiving the payment item query instruction sent by the public service consumer and returning the corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and then returns the deduction account information.

[0201] Step A104: receiving the payment request sent by the public service provider and performing a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0202] From the above description, it can be seen that the electronic device provided in the embodiment of the present application receives the payment item application sent by the public service provider through the financial institution server, and returns the corresponding project number and agency collection agreement after approving the payment item application; generates the corresponding agency deduction agreement according to the signing result, the project number and the payer file sent by the public service provider; receives the payment item query instruction sent by the public service consumer and returns the corresponding agency deduction agreement; receives the payment request sent by the public service provider and performs financial transaction operations according to the payment request, the corresponding payment account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0203] In another embodiment, the financial transaction device may be configured separately from the central processor 9100. For example, the financial transaction device may be configured as a chip connected to the central processor 9100, and the financial transaction method functions may be implemented under the control of the central processor.

[0204] like Figure 20 As shown, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is worth noting that the electronic device 9600 does not necessarily have to include Figure 20 In addition, the electronic device 9600 may also include all components shown in Figure 20 For components not shown, reference may be made to the prior art.

[0205] like Figure 20 As shown, the central processing unit 9100 is sometimes also referred to as a controller or operation control, and may include a microprocessor or other processor device and / or logic device. The central processing unit 9100 receives input and controls the operation of various components of the electronic device 9600.

[0206] Memory 9140 can be, for example, one or more of a cache, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices. It can store the aforementioned failure-related information and also store programs that execute the relevant information. The CPU 9100 can execute the programs stored in memory 9140 to implement information storage or processing.

[0207] The input unit 9120 provides input to the central processing unit 9100. The input unit 9120 may be, for example, a keypad or touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used to display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0208] The memory 9140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), or a SIM card. Alternatively, it may be a memory that retains information even when power is off, can be selectively erased, and is provided with more data. Examples of such memory are sometimes referred to as EPROMs. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142 for storing application programs and function programs or processes for executing the operation of the electronic device 9600 by the central processing unit 9100.

[0209] The memory 9140 may also include a data storage unit 9143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various driver programs for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0210] The communication module 9110 is a transmitter / receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in a conventional mobile communication terminal.

[0211] Based on different communication technologies, multiple communication modules 9110 can be provided in the same electronic device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module. The communication module (transmitter / receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing common telecommunication functions. The audio processor 9130 may include any suitable buffer, decoder, amplifier, etc. Furthermore, the audio processor 9130 is also coupled to the central processing unit 9100, enabling local recording via the microphone 9132 and playback of stored audio via the speaker 9131.

[0212] Embodiments of the present application also provide a computer-readable storage medium capable of implementing all steps of the financial transaction method in the above-mentioned embodiment, where the execution subject is a server or a client. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, the computer program implements all steps of the financial transaction method in the above-mentioned embodiment, where the execution subject is a server or a client. For example, when the processor executes the computer program, the following steps are implemented:

[0213] Step A101: Receive a payment item application sent by a public service provider, approve the payment item application, and return the corresponding project number and agency collection agreement, so that the public service provider can sign the agency collection agreement received and return the signing result, the project number, and the payer file, wherein the payment item application contains the payment account information of the public service provider, and the payer file contains the public service consumer information.

[0214] Step A102: Generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider.

[0215] Step A103: receiving the payment item query instruction sent by the public service consumer and returning the corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and then returns the deduction account information.

[0216] Step A104: receiving the payment request sent by the public service provider and performing a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0217] From the above description, it can be seen that the computer-readable storage medium provided in the embodiment of the present application receives the collection item application sent by the public service provider through the financial institution server, and returns the corresponding project number and agency collection agreement after approving the collection item application; generates the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receives the collection item query instruction sent by the public service consumer and returns the corresponding agency withholding agreement; receives the collection request sent by the public service provider and performs financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0218] The embodiments of the present application also provide a computer program product capable of implementing all steps of the financial transaction method in the above embodiments, where the execution subject is a server or a client. When the computer program / instructions are executed by a processor, the computer program / instructions implement the steps of the financial transaction method. For example, the computer program / instructions implement the following steps:

[0219] Step A101: Receive a payment item application sent by a public service provider, approve the payment item application, and return the corresponding project number and agency collection agreement, so that the public service provider can sign the agency collection agreement received and return the signing result, the project number, and the payer file, wherein the payment item application contains the payment account information of the public service provider, and the payer file contains the public service consumer information.

[0220] Step A102: Generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider.

[0221] Step A103: receiving the payment item query instruction sent by the public service consumer and returning the corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and then returns the deduction account information.

[0222] Step A104: receiving the payment request sent by the public service provider and performing a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

[0223] From the above description, it can be seen that the computer program product provided in the embodiment of the present application receives the collection item application sent by the public service provider through the financial institution server, and returns the corresponding project number and agency collection agreement after approving the collection item application; generates the corresponding agency withholding agreement based on the signing result, the project number and the payer file sent by the public service provider; receives the collection item query instruction sent by the public service consumer and returns the corresponding agency withholding agreement; receives the collection request sent by the public service provider and performs financial transaction operations based on the collection request, the corresponding collection account information and the deduction account information, thereby effectively protecting the information security and privacy in the financial transaction process and improving the efficiency of financial transactions.

[0224] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0225] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (apparatus), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as a combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0226] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0227] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0228] Specific embodiments are used in the present invention to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core ideas. At the same time, for those skilled in the art, according to the ideas of the present invention, there may be changes in the specific implementation methods and application scopes. In summary, the contents of this specification should not be understood as limiting the present invention.

Claims

1. A financial transaction method, characterized in that: Applied to a financial institution server, the method includes: Receive a payment item application sent by a public service provider, review and approve the payment item application, and return a corresponding item number and a collection agency agreement, so that the public service provider signs the received collection agency agreement and returns the signing result, the item number, and a payee file, wherein the payment item application includes the payment account information of the public service provider, and the payee file includes the public service consumer information; Generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's document sent by the public service provider; Receive a payment item query instruction sent by the public service consumer and return a corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and then returns the deduction account information; Receive a payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

2. The financial transaction method according to claim 1, characterized in that: The receiving of a payment item application sent by a public service provider, and returning a corresponding item number and a collection agency agreement after approving the payment item application, include: Receive a payment item application from a public service provider, generate a corresponding item number and a collection agency agreement after approving the payment item application, and establish an association and binding relationship with the payment item; The project number and the entrusted collection agreement are encrypted using a local private key and a public key reserved by the public service provider and then sent to the public service provider.

3. The financial transaction method according to claim 1, characterized in that: The generating of a corresponding entrusted withholding agreement according to the signing result, the project number and the payer's file sent by the public service provider includes: Decrypt the signing result, the project number, and the payer file sent by the public service provider using the local private key and the public key reserved by the public service provider, and generate a corresponding entrusted withholding agreement; The status of the entrusted collection agreement corresponding to the signing result is updated to signed and the public service provider is notified, and the status of the entrusted withholding agreement is updated to pending signing.

4. A financial transaction method, characterized in that: Applied to a public service provider, the method includes: Sending a payment item application to a financial institution server, so that the financial institution server reviews the payment item application and returns a corresponding item number and a collection agency agreement, wherein the payment item application includes payment account information; receiving the item number and the entrusted collection agreement sent by the financial institution server and signing the agreement, returning the signing result, the item number, and the payee file to the financial institution server, so that the financial institution server generates a corresponding entrusted collection agreement based on the signing result, the item number, and the payee file, and causing the financial institution server to receive a collection item query instruction sent by the public service consumer and return the corresponding entrusted collection agreement, and after the public service consumer confirms the entrusted collection agreement, returning the deduction account information to the financial institution server, wherein the payee file includes the public service consumer information; A payment request is sent to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information.

5. The financial transaction method according to claim 4, characterized in that: The receiving the project number and the entrusted collection agreement sent by the financial institution server and signing the agreement, and returning the signing result, the project number and the payer file to the financial institution server, includes: Receive the project number and the entrusted collection agreement sent by the financial institution server, and decrypt the data using the local private key and the public key reserved by the financial institution server; The entrusted collection agreement after data decryption is signed, and the signing result, the project number and the payer file are returned to the financial institution server.

6. A financial transaction method, characterized in that: Applied to a public service consumer, the method includes: Sending a collection item query instruction to the financial institution server so that the financial institution server returns a corresponding entrusted collection agreement, wherein the entrusted collection agreement is generated by the financial institution server according to the signing result, item number, and payer file sent by the public service provider, the signing result is obtained after the public service provider receives the entrusted collection agreement sent by the financial institution server and signs it, and the public service provider returns the signing result, item number, and payer file to the financial institution server, the entrusted collection agreement is generated after the financial institution server receives the collection item application sent by the public service provider and approves the collection item application, the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information; After confirming the entrusted withholding agreement, the deduction account information is sent to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

7. The financial transaction method according to claim 6, characterized in that: After confirming the entrusted deduction agreement, sending the deduction account information to the financial institution server includes: Confirm the entrusted withholding agreement and enter the deduction account information; The entrusted withholding agreement confirmation signal and the deduction account information are sent to the financial institution server, so that the financial institution server updates the entrusted withholding agreement status to signed.

8. A financial transaction device, characterized in that: Applied to financial institution servers, including: The collection agreement module is used to receive a collection item application sent by a public service provider, and after approving the collection item application, return the corresponding item number and the entrusted collection agreement, so that the public service provider can sign the received entrusted collection agreement and return the signing result, the item number, and the payer file, wherein the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information; A withholding agreement module, configured to generate a corresponding entrusted withholding agreement based on the signing result, the project number, and the payer's file sent by the public service provider; An item query module is used to receive a payment item query instruction sent by the public service consumer and return a corresponding entrusted withholding agreement, so that the public service consumer confirms the entrusted withholding agreement and returns the deduction account information; The transfer operation module is used to receive the payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

9. A financial transaction device, characterized in that: Applicable to public service providers, including: A project application module is configured to send a payment project application to a financial institution server, so that the financial institution server returns a corresponding project number and a collection agency agreement after reviewing the payment project application, wherein the payment project application includes payment account information; an agreement signing module, configured to receive the project number and the entrusted collection agreement sent by the financial institution server and sign the agreement, return the signing result, the project number, and the payee file to the financial institution server, so that the financial institution server generates a corresponding entrusted collection agreement based on the signing result, the project number, and the payee file, and cause the financial institution server to receive a collection item query instruction sent by the public service consumer and return the corresponding entrusted collection agreement; after the public service consumer confirms the entrusted collection agreement, return the deduction account information to the financial institution server, wherein the payee file includes the public service consumer information; The payment request module is used to send a payment request to the financial institution server, so that the financial institution server performs a financial transaction operation according to the payment request, the corresponding payment account information and the deduction account information.

10. A financial transaction device, characterized in that: Applicable to public service consumers, including: a sending query module, configured to send a collection item query instruction to a financial institution server, so that the financial institution server returns a corresponding entrusted withholding agreement, wherein the entrusted withholding agreement is generated by the financial institution server according to the signing result, item number, and payer file sent by the public service provider, the signing result is obtained after the public service provider receives the entrusted withholding agreement sent by the financial institution server and signs it, and the public service provider returns the signing result, item number, and payer file to the financial institution server, the entrusted withholding agreement is generated after the financial institution server receives the collection item application sent by the public service provider and approves the collection item application, the collection item application contains the collection account information of the public service provider, and the payer file contains the public service consumer information; The agreement confirmation module is used to send the deduction account information to the financial institution server after confirming the entrusted deduction agreement, so that the financial institution server performs a financial transaction operation according to the collection request, the corresponding collection account information and the deduction account information.

11. A financial transaction system, characterized in that: It includes a financial institution server, a public service provider and a public service consumer in communication with the financial institution server; The financial institution server includes: The collection agreement module is used to receive the collection project application sent by the public service provider, and return the corresponding project number and the entrusted collection agreement after approving the collection project application; A withholding agreement module, configured to generate a corresponding entrusted withholding agreement based on the signing result sent by the public service provider, the project number, and the payer's file; The project query module is used to receive the payment project query instruction sent by the public service consumer and return the corresponding entrusted deduction agreement; A transfer operation module, configured to receive a payment request sent by the public service provider and perform a financial transaction operation according to the payment request, the corresponding payment account information, and the deduction account information; The public service providers include: Project application module, used to send a payment project application to the financial institution server; an agreement signing module, configured to receive the project number and the entrusted collection agreement sent by the financial institution server and sign the agreement, and return the signing result, the project number, and the payer's file to the financial institution server; A payment request module, configured to send a payment request to the server of the financial institution; The public service consumers include: A sending query module, configured to send a collection item query instruction to a financial institution server, so that the financial institution server returns a corresponding entrusted withholding agreement; The agreement confirmation module is used to send the deduction account information to the financial institution server after confirming the entrusted deduction agreement.

12. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the steps of the financial transaction method according to any one of claims 1 to 7 are implemented.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the financial transaction method according to any one of claims 1 to 7 are implemented.

14. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the steps of the financial transaction method according to any one of claims 1 to 7 are implemented.

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