A method and system for signing

Abstract

Embodiments of the present application provide a signing method and a signing system, a merchant can generate a corresponding first signing application according to a merchant number, and send the first signing application to a collection agency, the collection agency forwards the first signing application to a clearing agency after adding a protocol file number in the first signing application, the clearing agency can query merchant information according to the merchant number, and send the merchant information and the first signing application to an account agency, the account agency can send a processing result to the clearing agency after processing the first signing application, the clearing agency forwards the processing result to the collection agency, and the collection agency forwards the processing result to the merchant, through the above process, the signing function between the merchant and the account agency can be realized, after the first signing, the merchant and the collection agency can carry out a second signing based on the first signing multiple times, and multiple signing modes are supported to complete the second signing, which helps the merchant expand the customer base and improve the transaction rate of the merchant business.

Description

Technical Field

[0001] This application relates to the field of payment processing technology, and in particular to a signing method and signing system. Background Technology

[0002] With the development of information technology, users are using online payment more and more frequently. Under different payment models, users need to complete a contract with the merchant and a contract with the account institution to ensure the normal execution of the payment process.

[0003] However, the current signing process does not include a signing function between merchants and account institutions. If a signing function between merchants and account institutions cannot be achieved, then a three-party signing function between users, merchants, and account institutions cannot be achieved, which results in users being unable to make payment to merchants in some scenarios and reduces the efficiency of user payments. Summary of the Invention

[0004] In a first aspect, embodiments of this application provide a signing method applied to the computing equipment of a clearing institution; the method includes:

[0005] The system receives a first contract application sent from the collection agency's computing device; the first contract application is submitted by the merchant's computing device to the collection agency's computing device.

[0006] Based on the merchant number contained in the first contract application and the correspondence between the pre-stored merchant number and merchant information, the merchant information corresponding to the first contract application is determined.

[0007] Send the merchant information and the first contract application to the account institution's computing device;

[0008] The system receives the processing result of the account institution's computing device for the first contract application and forwards the processing result to the collection agency's computing device.

[0009] In one possible implementation, prior to the first subscription request sent by the receiving agency's computing device, the method further includes:

[0010] The correspondence between merchant IDs and merchant information sent by the receiving agency's computing device;

[0011] A corresponding response receipt is generated based on the correspondence, and the response receipt is sent to the computing device of the collection agency; the response receipt is used to inform the computing device of the collection agency that the correspondence has been saved.

[0012] In one possible implementation, after forwarding the processing result to the computing device of the collection agency, the method further includes:

[0013] The system receives a second contract application sent by the collection agency's computing device; the second contract application is submitted by the user to the collection agency's computing device; the second contract application contains the agreement file number from the first contract application; the agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency;

[0014] The processing result for the second contract application will be sent to the computing device of the collection agency.

[0015] In one possible implementation, sending the processing result for the second contract application to the computing device of the collection agency includes:

[0016] If the second contract application is of type 1, then the second contract application is forwarded to the computing device of the account institution;

[0017] The system receives the processing result of the account institution's computing device for the second contract application and sends the processing result of the second contract application to the collection agency's computing device.

[0018] If the second contract application is of the second type, a first request is sent to the computing device of the collection agency; the first request is used to instruct the computing device of the collection agency to send a second request to the computing device of the account institution; the second request is used to instruct the computing device of the account institution to obtain the second contract application information input by the user through the second contract application interface, and process the second contract application information.

[0019] The system receives the processing result of the second contract application information input by the user from the computing device of the account machine, and sends the processing result of the second contract application information to the computing device of the collection agency.

[0020] Secondly, embodiments of this application provide a contract signing system, including: a clearing institution's computing device, an account institution's computing device, a collection agency's computing device, and a merchant's computing device, wherein,

[0021] The merchant's computing device is used to generate a corresponding first contract application based on the merchant number, and send the first contract application to the computing device of the collection agency;

[0022] The computing device of the collection agency is used to receive the first contract application sent by the merchant's computing device, and after adding the agreement document number to the first contract application, send it to the computing device of the clearing agency.

[0023] The clearing institution's computing device is used to receive the first contract application sent by the collection institution's computing device, and to send the first contract application and corresponding merchant information to the account institution's computing device;

[0024] The computing device of the account institution is used to receive merchant information and a first contract application sent by the computing device of the clearing institution, and generate a processing result for the first contract application.

[0025] In one possible implementation, the computing device of the account authority is further used for:

[0026] Verify the consistency between the merchant information and the merchant information in the agreement file corresponding to the agreement file number included in the first signing application;

[0027] Based on the verification results, a processing result corresponding to the first signing application is generated, and the processing result is sent to the computing device of the clearing institution;

[0028] If a second contract application is received from the clearing institution's computing device, the clearing institution processes the second contract application and sends the processing result to the clearing institution's computing device. The second contract application is submitted by the user to the collection agency's computing device and forwarded by the collection agency's computing device to the clearing institution's computing device. The second contract application contains the agreement file number from the first contract application. The agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency.

[0029] In one possible implementation, the computing device of the account authority is further used for:

[0030] After sending the processing result to the clearing institution, if a second request is received, the second contract application information input by the user is received through the second contract application interface;

[0031] The second contract application information is processed, and the processing result of the second contract application information input by the user is sent to the computing device of the clearing institution.

[0032] In one possible implementation, the protocol file corresponding to the protocol file number contains merchant information corresponding to the merchant; the computing device of the collection agency is further used for:

[0033] Receive the processing result sent by the clearing institution's computing device, and forward the processing result to the merchant's computing device;

[0034] The system receives a second contract application submitted by the user; the second contract application contains the agreement file number from the first contract application; the agreement file corresponding to the agreement file number is used to represent the contractual relationship between the merchant and the collection agency.

[0035] The processing result for the second contract application will be sent to the user.

[0036] In one possible implementation, the computing device of the collection agency is specifically used for:

[0037] The second contract application is sent to the clearing institution's computing device. If the second contract application is of the first type, the processing result of the second contract application sent by the clearing institution's computing device is received, and the processing result of the second contract application is sent to the user. The processing result of the second contract application is obtained by the account institution's computing device from processing the second contract application and forwarded to the clearing institution's computing device.

[0038] If the second contract application is of the second type, then the first request sent by the clearing institution's computing device is received, and a second request is sent to the account institution's computing device based on the first request; the second request is used to instruct the account institution's computing device to obtain the second contract application information input by the user through the second contract application interface, and to process the second contract application information;

[0039] The system receives the processing result of the second contract application information input by the user from the computing device of the clearing institution, and sends the processing result of the second contract application information to the computing device of the collection institution.

[0040] In one possible implementation, the merchant's computing device is further used for:

[0041] After receiving the processing result generated for the first contract application from the computing device of the collection agency, the protocol file corresponding to the protocol file number contained in the processing result is used as the master protocol; the master protocol is used to generate the corresponding sub-protocol when the merchant's computing device signs a contract with the user terminal; the sub-protocol contains the protocol file number.

[0042] Thirdly, embodiments of this application provide a terminal device, including: a memory for storing program instructions;

[0043] A processor is configured to invoke program instructions stored in the memory and execute the steps included in the first aspect according to the obtained program instructions.

[0044] Fourthly, embodiments of this application provide a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the method included in the first aspect.

[0045] This application provides a signing method and system. A merchant's computing device can generate a corresponding first signing application based on the merchant's ID and send it to the collecting agency's computing device. The collecting agency's computing device adds an agreement document number to the first signing application and forwards it to the clearing agency's computing device. The clearing agency's computing device can query merchant information based on the merchant's ID and send the merchant information and the first signing application to the account institution's computing device. After processing the first signing application, the account institution's computing device can send the processing result to the clearing agency's computing device. The clearing agency's computing device forwards the processing result to the collecting agency's computing device, which then forwards the result to the merchant's computing device. Through this process, a signing function between the merchant and the account institution can be realized. After signing, the account institution can provide merchants with support for multiple payment methods, helping them expand their customer base and increase their business conversion rate. Attached Figure Description

[0046] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0047] Figure 1 This application provides a schematic diagram of the structure of a signing system.

[0048] Figure 2 An interactive flowchart of a signing method provided in an embodiment of this application;

[0049] Figure 3 A flowchart illustrating a quick authentication method for signing up, provided as an embodiment of this application;

[0050] Figure 4 A flowchart illustrating a gateway-based subscription process is provided in this embodiment of the application.

[0051] Figure 5 A structural block diagram of a signing device provided in an embodiment of this application;

[0052] Figure 6 A structural block diagram of another signing device provided in the embodiments of this application;

[0053] Figure 7 A structural block diagram of another signing device provided in the embodiments of this application;

[0054] Figure 8 A structural block diagram of another signing device provided in the embodiments of this application;

[0055] Figure 9 This is a structural block diagram of a computing device provided in an embodiment of this application. Detailed Implementation

[0056] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. The described embodiments are only some, not all, of the embodiments of this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application without creative effort are within the scope of protection of this application.

[0057] In the description of the embodiments of this application, unless otherwise stated, "and" means "or", for example, A / B can mean A or B; "and / or" in the text is merely a description of the relationship between related objects, indicating that there can be three relationships, for example, A and / or B can mean: A exists alone, A and B exist simultaneously, and B exists alone.

[0058] Specifically, in the description of this application, it should be understood that the terms "center," "longitudinal," "lateral," "length," "width," "thickness," "upper," "lower," "front," "rear," "left," "right," "vertical," "horizontal," "top," "bottom," "inner," "outer," "clockwise," and "counterclockwise," etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are only for the convenience of describing this application and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on this application. Furthermore, the terms "connection" and "linkage" used in this application, unless otherwise specified, include both direct and indirect connections (linkages).

[0059] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of the stated features. In the description of this application, "a plurality of" means two or more, unless otherwise explicitly specified.

[0060] The present application will now be described in further detail with reference to the accompanying drawings and specific embodiments.

[0061] Figure 1 A schematic diagram of the structure of a signing system provided in an embodiment of this application is shown below. Figure 1 As shown, Figure 1 The signing system 100 includes four computing devices: a merchant's computing device 110, a collection agency's computing device 120, a clearing agency's computing device 130, and an account institution's computing device 140. Merchants refer to legally operating enterprises, institutions, and other organizations expanded by the collection agency; the account institution provides account system services to users, receives and processes signing or payment instructions forwarded by the clearing agency, and handles user fund settlements. The account institution can be a banking financial institution or a third-party payment institution; the collection agency provides users with acceptance of various payment methods and receives and processes signing or payment instructions forwarded by the clearing agency; the clearing agency is an institution established with the approval of the People's Bank of China responsible for handling fund clearing business related to payment institutions and banks. In this application, it is responsible for receiving and processing signing or payment instructions, clearing and settling transaction funds, and plays a relay role in account signing.

[0062] Among them, the merchant's computing device 110 is used to generate the corresponding first contract application based on the merchant number and send the first contract application to the collection agency's computing device 120;

[0063] The collection agency's computing device 120 is used to receive the first contract application sent by the merchant's computing device 110, and after adding the agreement document number to the first contract application, send it to the clearing agency's computing device 130.

[0064] The clearing institution's computing device 130 is used to receive the first contract application sent by the collection institution's computing device 120, and to send the first contract application and corresponding merchant information to the account institution's computing device 140.

[0065] The computing device 140 of the account institution is used to receive merchant information and the first contract application sent by the computing device 130 of the clearing institution, and generate a processing result for the first contract application.

[0066] It should be noted that all entities involved in the interaction are computing devices. However, in the following descriptions, the computing devices will be omitted. For example, "clearing institution" represents the computing device of the clearing institution, "accounting institution" represents the computing device of the accounting institution, "collection institution" represents the computing device of the collection institution, and "merchant" represents the computing device of the merchant. Furthermore, the following... Figure 2 , Figure 3 , Figure 4 The method shown can be applied to Figure 1 In the signing system 100 shown, the following Figure 5 , Figure 6 , Figure 7 , Figure 8 The device shown can also be applied to Figure 1 In the signing system 100 shown, this enables the signing system to realize the signing function between merchants and account institutions. After signing, the account institution can provide merchants with support for multiple payment methods, helping merchants expand their customer base and improve the transaction rate of their business.

[0067] Figure 2 This application provides an interactive flowchart of a signing method according to an embodiment of the present application. Figure 2 As shown, the signing method provided in this application embodiment can be considered as a signing process between a merchant and an account institution. The signing method provided in this application embodiment includes the following steps:

[0068] Step S201: The merchant generates the corresponding first contract application based on the merchant number.

[0069] In one possible embodiment, before executing step S201, the clearing institution may receive the correspondence between merchant IDs and merchant information sent by the collection agency. The merchant information may include basic merchant information, such as merchant name, registration time, etc., and may also include the merchant's image information. After receiving the correspondence between merchant IDs and merchant information from the collection agency, the clearing institution can save the correspondence in its computing device, thus registering and saving the merchant information. After completing the registration and saving of the merchant information, the clearing institution can return the filing result to the collection agency. The filing result indicates that the clearing institution has completed the registration of the merchant information. The collection agency can forward the filing result to the merchant after receiving it from the clearing institution.

[0070] In one possible implementation, after filling in the merchant code, the merchant can generate a corresponding contract application. Each merchant code can be associated with a unique merchant. For example, merchant A corresponds to code 001, merchant B corresponds to code 002, and merchant C corresponds to code 003. If merchant A wants to sign a contract with an account institution, it should fill in 001 in the merchant code field to generate the corresponding first contract application.

[0071] In step S202, the merchant sends the first contract application to the collection agency.

[0072] In one possible implementation, after the merchant fills in the merchant code and generates the first contract application, it can forward it to the collection agency.

[0073] Step S203: The collection agency receives the first contract application sent by the merchant and adds the agreement document number to the first contract application.

[0074] In one possible embodiment, after the merchant forwards the first signing application to the collection agency, if the first signing application contains an agreement document number, the collection agency can directly execute step S204 to send the first signing application with the agreement document number to the clearing institution; if the first signing application does not contain an agreement document number, the collection agency can add the agreement document number to the first signing application. The agreement document corresponding to the agreement document number contains the merchant information corresponding to the merchant, and the agreement document can also clearly define the three parties to the agreement, which usually include the merchant, the account institution, and the payment or service provider. The rights and obligations of each party, such as the services provided by the account institution, such as payment processing, account management, and transaction settlement, are also included, including the merchant's responsibilities, the account institution's service standards, and the service provider's responsibilities. This application does not limit these contents.

[0075] In step S204, the collecting agency sends the first contract application to the clearing agency.

[0076] In one possible embodiment, the collection agency may send a first signing application with an agreement document number to the clearing agency. In this case, the first signing application includes the agreement document number and the merchant code.

[0077] Step S205: The clearing institution receives the first contract application sent by the collection agency.

[0078] Step S206: The clearing institution determines the merchant information corresponding to the first contract application based on the merchant number included in the first contract application and the correspondence between the pre-stored merchant number and merchant information.

[0079] In one possible embodiment, the clearing institution can search for merchant information based on the merchant number contained in the first contract application. If the clearing institution's computing device stores a correspondence between merchant numbers and merchant information, it can query from the correspondence based on the merchant number contained in the first contract application. If the clearing institution's computing device does not store a correspondence between merchant numbers and merchant information, the clearing institution can determine the merchant information by accessing a URL that stores the correspondence between merchant numbers and merchant information or the storage space of other devices.

[0080] In step S207, the clearing institution sends merchant information and the first contract application to the account institution.

[0081] In one possible implementation, after determining the merchant information, the clearing institution can send the merchant information and the first contract application to the account institution.

[0082] In another possible embodiment, after determining the merchant information, the clearing institution can save the merchant information to a storage space and send the relevant information of the storage space and the first contract application to the account institution. The account institution can access the corresponding storage space according to the relevant information of the storage space, thereby obtaining the merchant information stored in the corresponding storage space.

[0083] In step S208, the account institution receives the merchant information and the first contract application sent by the clearing institution.

[0084] In one possible embodiment, after receiving the merchant information and the first contract application from the clearing institution, the account institution can generate a corresponding response receipt. The response receipt can inform other devices that the account institution has received the relevant content uploaded by the merchant. After generating the corresponding response receipt, the account institution can send the response receipt to the clearing institution. After receiving the response receipt, the clearing institution can forward the response receipt to the collection agency. The collection agency can check whether the merchant has the permission to receive the response receipt. If the merchant has the permission to receive the response receipt, the collection agency can forward the response receipt to the merchant; if the merchant does not have the permission to receive the response receipt, the collection agency can save the response receipt but does not forward it to the merchant.

[0085] Step S209: The account institution verifies the consistency between the merchant information and the merchant information in the agreement file corresponding to the agreement file number included in the first signing application.

[0086] In one possible embodiment, the account institution can verify and review the merchant information. After receiving the merchant information from the clearing institution, the account institution can determine the corresponding agreement document based on the agreement document number included in the first signing application. This agreement document also contains merchant information, so the account institution can compare the merchant information in the agreement document with the merchant information sent by the clearing institution. If the account institution determines that the merchant information in the agreement document is the same as the merchant information sent by the clearing institution, it can approve the first signing application, and the result will be "passed." If the account institution determines that the merchant information in the agreement document is different from the merchant information sent by the clearing institution, it can approve the first signing application, and the result will be "disapproved."

[0087] In step S210, the account institution generates the processing result corresponding to the first contract application based on the verification result.

[0088] In one possible embodiment, if the account institution reviews the first contract application and the result is negative, the negative result can be sent to the clearing institution; if the account institution reviews the first contract application and the result is positive, the positive result can be sent to the clearing institution. It is important to note that the process of the account institution sending the result to the clearing institution is time-limited. The account institution must return a result receipt corresponding to the result to the clearing institution within the specified time. Furthermore, the result receipt returned by the account institution includes the agreement document number. Unlike the agreement document number added by the collection agency, the agreement document number returned by the account institution corresponds to an agreement document that has been processed by the account institution and may contain relevant information about the account institution.

[0089] Step S211: The account institution sends the processing result to the clearing institution.

[0090] In step S212, the clearing institution sends the processing result to the collection agency.

[0091] In one possible embodiment, the clearing institution sends the processing result to the collection institution. The processing result is transmitted in the form of a result receipt. The result receipt returned by the clearing institution contains the agreement file number. The agreement file corresponding to the agreement file number has been processed by the account institution and may contain relevant information of the account institution.

[0092] Step S213: The collection agency sends the processing result to the merchant.

[0093] In one possible embodiment, the collection agency sends the processing result to the merchant. The processing result is transmitted in the form of a result receipt. If the merchant has permission to view the agreement file, the result receipt returned by the collection agency may include the agreement file number. The agreement file corresponding to the agreement file number has been processed by the account institution and may contain relevant information of the account institution. If the merchant does not have permission to view the agreement file, the result receipt returned by the collection agency may not include the agreement file number.

[0094] In one possible embodiment, after the collection agency sends the processing result to the merchant, the contract between the merchant and the account institution can be considered completed. Then, the contract between the user and the account institution can be realized based on the contract between the merchant and the account institution. The user is usually the payer who purchases goods from the merchant. In the following description, the user will be used to refer to the payer.

[0095] In one possible embodiment, Figure 3 This application provides a flowchart illustrating the signing process for a quick authentication method, as shown in the embodiment of this application. Figure 3As shown, in this method, the agreement between the user and the account institution may include the following steps:

[0096] Step S301: The user sends a second contract application to the collection agency.

[0097] In one possible embodiment, the second signing application includes the agreement file number from the first signing application. The agreement file corresponding to the agreement file number can represent the signing relationship between the merchant and the collection agency. It can be considered that the agreement file corresponding to the agreement file number generated between the merchant and the collection agency is the parent agreement, and the agreement file corresponding to the signing between the user and the account institution can be the sub-agreement. The generation of the sub-agreement can be based on the parent agreement. Generating the corresponding sub-agreement through the parent agreement can greatly reduce the time spent on signing and make the agreement file generated during the signing process more concise.

[0098] In step S302, the collecting agency sends a second contract application to the clearing agency.

[0099] In step S303, the clearing institution sends a second contract application to the account institution.

[0100] In step S304, the account institution receives the second contract application sent by the clearing institution and processes the second contract application to obtain the processing result.

[0101] In one possible embodiment, the account institution may not directly process the second contract application. Instead, it can first authenticate the user's identity in the second contract application. If the authentication matches, the account institution can return the authentication result to the clearing institution. The clearing institution then forwards the authentication result to the collection agency, which in turn forwards it to the user. If authentication is successful, the account institution can send authentication authorization to the user's computing device. Only after the user has completed the authentication authorization process will the account institution process the second contract application sent by the user. After processing the second contract application, the account institution can send the processing result for the second contract application information to the clearing institution.

[0102] Step S305: The account institution sends the processing result to the clearing institution.

[0103] Step S306: The clearing institution sends the processing result to the collection agency.

[0104] Step S307: The collection agency sends the processing result to the user.

[0105] It should be noted that the processing results sent in steps S305 to S307 all include the agreement file number in the first signing application. Users, collection agencies, and clearing agencies can identify a unique agreement file, i.e., the parent agreement, through the agreement file number.

[0106] In another possible embodiment, Figure 4 This application provides a flowchart illustrating a gateway-based subscription process. Figure 4 As shown, in this method, the agreement between the user and the account institution may include the following steps:

[0107] Step S401: The user sends a second contract application to the collection agency.

[0108] In one possible embodiment, the second signing application includes the agreement file number from the first signing application. The agreement file corresponding to the agreement file number can represent the signing relationship between the merchant and the collection agency. It can be considered that the agreement file corresponding to the agreement file number generated between the merchant and the collection agency is the parent agreement, and the agreement file corresponding to the signing between the user and the account institution can be the sub-agreement. The generation of the sub-agreement can be based on the parent agreement. Generating the corresponding sub-agreement through the parent agreement can greatly reduce the time spent on signing and make the agreement file generated during the signing process more concise.

[0109] In step S402, the collecting agency sends a second contract application to the clearing agency.

[0110] Step S403: The clearing institution sends a first request to the collection agency.

[0111] In one possible embodiment, if the contract between the user and the account institution is implemented through a gateway, the clearing institution can send a first request to the collection agency after receiving the second contract application. The first request is used to instruct the collection agency to send a second request to the account institution.

[0112] In step S404, the collection agency sends a second request to the account institution.

[0113] In one possible embodiment, the second request is used to instruct the account authority to obtain the second contract application information entered by the user through the second contract application interface, and to process the second contract application information.

[0114] In step S405, the account institution receives the second request and receives the second contract application information entered by the user through the second contract application interface.

[0115] In one possible embodiment, after receiving the second request, the account institution needs to redirect the second signing application interface for signing to the collection agency's computing device, so that the user can fill in the relevant information for signing on the collection agency's computing device.

[0116] In step S406, the account institution processes the second contract application information to obtain the processing result of the second contract application information input by the user.

[0117] In step S407, the account institution sends the processing result of the second contract application information entered by the user to the clearing institution.

[0118] In step S408, the clearing institution sends the processing result of the second contract application information entered by the user to the collection agency.

[0119] It should be noted that the processing results sent in steps S407 to S408 all include the agreement document number in the first signing application. Both the collecting agency and the clearing agency can identify a unique agreement document, i.e., the parent agreement, through the agreement document number. If the user has the permission to view the signing result notification, the collecting agency can send the processing result of the second signing application information entered by the user to the user.

[0120] In another possible embodiment, if the user wishes to sign the agreement offline, the user can hand over the paper agreement to the collection agency, which will then scan and upload the paper agreement to the clearing agency. The agreement contains the agreement file number, i.e., the number of the parent agreement. The clearing agency can then send the scanned copy of the paper agreement to the account agency, thereby completing the offline signing process. The account agency will then send the signed result back to the clearing agency, which will then send the signed result back to the collection agency.

[0121] This application provides a signing method and system. A merchant's computing device can generate a corresponding first signing application based on the merchant's ID and send it to the collecting agency's computing device. The collecting agency's computing device adds an agreement document number to the first signing application and forwards it to the clearing agency's computing device. The clearing agency's computing device can query merchant information based on the merchant's ID and send the merchant information and the first signing application to the account institution's computing device. After processing the first signing application, the account institution's computing device can send the processing result to the clearing agency's computing device. The clearing agency's computing device forwards the processing result to the collecting agency's computing device, which then forwards the result to the merchant's computing device. Through this process, a signing function between the merchant and the account institution can be realized. After signing, the account institution can provide merchants with support for multiple payment methods, helping them expand their customer base and increase their business conversion rate.

[0122] Based on the same inventive concept, this application also provides a signing device that can be applied to clearing institutions, such as... Figure 5 As shown, the signing device 500 may include:

[0123] The contract signing application receiving unit 501 is used to receive a first contract signing application sent by the collection agency; the first contract signing application is submitted by the merchant to the collection agency;

[0124] Merchant information determination unit 502 is used to determine the merchant information corresponding to the first contract application based on the merchant number contained in the first contract application and the pre-stored correspondence between the merchant number and the merchant information.

[0125] The contract application sending unit 503 is used to send the merchant information and the first contract application to the account institution;

[0126] The processing result receiving unit 504 is used to receive the processing result of the account institution for the first contract application and forward the processing result to the collection agency.

[0127] In one possible implementation, the contract application receiving unit 501 is also used to receive the correspondence between the merchant number and the merchant information sent by the collection agency.

[0128] A corresponding response receipt is generated based on the correspondence, and the response receipt is sent to the collection agency; the response receipt is used to inform the collection agency that the correspondence has been saved.

[0129] In one possible implementation, the contract application receiving unit 501 is further configured to receive a second contract application sent by the collection agency; the second contract application is submitted by the user to the collection agency; the second contract application contains the agreement file number from the first contract application; the agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency;

[0130] The processing result for the second contract application will be sent to the collection agency.

[0131] In one possible implementation, the contract application receiving unit 501 is further configured to forward the second contract application to the account institution if the second contract application is of the first type.

[0132] Receive the processing result of the account institution for the second contract application, and send the processing result of the second contract application to the collection agency;

[0133] If the second contract application is of the second type, a first request is sent to the collection agency; the first request is used to instruct the collection agency to send a second request to the account institution; the second request is used to instruct the account institution to obtain the second contract application information input by the user through the second contract application interface and process the second contract application information.

[0134] The system receives the processing result of the account institution for the second contract application information input by the user, and sends the processing result for the second contract application information to the collection agency.

[0135] Based on the same inventive concept, this application also provides a signing device that can be applied to account institutions, such as... Figure 6 As shown, the signing device 600 may include:

[0136] The information consistency verification unit 601 is used to receive merchant information and the first contract application sent by the clearing institution;

[0137] Verify the consistency between the merchant information and the merchant information in the agreement file corresponding to the agreement file number included in the first signing application;

[0138] The processing result generation unit 602 is used to generate a processing result corresponding to the first signing application based on the verification result, and send the processing result to the clearing institution.

[0139] In one possible implementation, the processing result generation unit 602 is further configured to, if it receives a second contract application sent by the clearing institution, process the second contract application and send the processing result of the second contract application to the clearing institution; the second contract application is submitted by the user to the collection agency and forwarded to the clearing institution by the collection agency; the second contract application contains the agreement file number in the first contract application; the agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency.

[0140] In one possible implementation, the processing result generation unit 602 is further configured to receive the second contract application information input by the user through the second contract application interface if the second request is received.

[0141] The second contract application information is processed, and the processing result of the second contract application information input by the user is sent to the clearing institution.

[0142] Based on the same inventive concept, this application also provides a signing device that can be applied to collection agencies, such as... Figure 7 As shown, the signing device 700 may include:

[0143] The document numbering unit 701 is used to receive the first contract application sent by the merchant, add the agreement document number to the first contract application, and then send it to the clearing institution; the agreement document corresponding to the agreement document number contains the merchant information corresponding to the merchant.

[0144] The processing result forwarding unit 702 is used to receive the processing result sent by the clearing institution and forward the processing result to the merchant.

[0145] In one possible implementation, the processing result forwarding unit 702 is further configured to receive a second contract application submitted by the user; the second contract application includes the agreement file number from the first contract application; the agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency;

[0146] The processing result for the second contract application will be sent to the user.

[0147] In one possible implementation, the processing result forwarding unit 702 is further configured to send the second subscription application to the clearing institution; if the second subscription application is of the first type, it receives the processing result for the second subscription application sent by the clearing institution and sends the processing result for the second subscription application to the user; the processing result for the second subscription application is obtained by the account institution from processing the second subscription application and forwarding it to the clearing institution.

[0148] If the second contract application is of the second type, then the first request sent by the clearing institution is received, and a second request is sent to the account institution based on the first request; the second request is used to instruct the account institution to obtain the second contract application information input by the user through the second contract application interface, and to process the second contract application information;

[0149] The system receives the processing result of the account institution on the second contract application information input by the user, sent by the clearing institution, and sends the processing result on the second contract application information to the collection institution.

[0150] Based on the same inventive concept, this application also provides a signing device that can be applied to clearing institutions, such as... Figure 8 As shown, the signing device 800 may include:

[0151] The contract application generation unit 801 is used to generate the corresponding first contract application based on the merchant number and send the first contract application to the collection agency;

[0152] The processing result receiving unit 802 is used to receive the processing result generated for the first contract application sent by the collection agency, and to use the protocol file corresponding to the protocol file number contained in the processing result as the master protocol; the master protocol is used to generate the corresponding sub-protocol when the merchant and the user terminal sign a contract; the sub-protocol contains the protocol file number.

[0153] Based on the same inventive concept, this application provides a computing device that can perform the functions described above for the computing devices of clearing institutions, account institutions, collection agencies, or merchants. Please refer to... Figure 9 The computing device 900 includes a memory 901, a processor 902, and a bus 903.

[0154] The memory 901 is used to store computer programs executed by the processor 902. The memory 901 may mainly include a program storage area and a data storage area. The program storage area may store the operating system and programs required to run instant messaging functions, etc.; the data storage area may store various instant messaging information and operation instruction sets, etc.

[0155] Memory 901 may be volatile memory, such as random-access memory (RAM); memory 901 may also be non-volatile memory, such as read-only memory, flash memory, hard disk drive (HDD), or solid-state drive (SSD); or memory 901 may be any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but is not limited thereto. Memory 901 may be a combination of the above-mentioned memories.

[0156] The processor 902 may include one or more central processing units (CPUs) or digital processing units, etc. The processor 902 is used to implement the QR code recognition method in the above embodiments when it calls the computer program stored in the memory 901.

[0157] This application embodiment does not limit the specific connection medium between the memory 901 and the processor 902 described above. This application embodiment... Figure 9 The memory 901 and the processor 902 are connected via a bus 903, and the bus 903 is in Figure 9The connections between other components are shown in bold lines only and are not intended to be limiting. The 903 bus can be divided into address bus, data bus, control bus, etc. For ease of illustration, Figure 9 The bus is represented by a single thick line, but this does not mean that there is only one bus or one type of bus.

[0158] Based on the same inventive concept, embodiments of this application provide a computer-readable storage medium. The computer program product includes computer program code, which, when executed on a computer, causes the computer to perform any of the signing methods discussed above. Since the principle by which the computer-readable storage medium solves the problem is similar to that of the signing method, the implementation of the computer-readable storage medium can be found in the implementation of the method; repeated details will not be elaborated further.

[0159] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0160] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to this application. It should be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0161] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0162] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0163] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the spirit and scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

Claims

1. A signing method, characterized in that, A computing device used in a clearing institution; the method includes: The system receives a first contract application sent from the collection agency's computing device; the first contract application is submitted by the merchant's computing device to the collection agency's computing device. Based on the merchant number contained in the first contract application and the correspondence between the pre-stored merchant number and merchant information, the merchant information corresponding to the first contract application is determined. Send the merchant information and the first contract application to the account institution's computing device; The system receives the processing result of the account institution's computing device for the first contract application and forwards the processing result to the collection agency's computing device.

2. The method according to claim 1, characterized in that, Before the first subscription application sent by the receiving agency's computing device, the method further includes: The correspondence between merchant IDs and merchant information sent by the receiving agency's computing device; A corresponding response receipt is generated based on the correspondence, and the response receipt is sent to the computing device of the collection agency; the response receipt is used to inform the computing device of the collection agency that the correspondence has been saved.

3. The method according to claim 1, characterized in that, After forwarding the processing result to the computing device of the collection agency, the method further includes: The system receives a second contract application sent by the collection agency's computing device; the second contract application is submitted by the user to the collection agency's computing device; the second contract application contains the agreement file number from the first contract application; the agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency; The processing result for the second contract application will be sent to the computing device of the collection agency.

4. The method according to claim 3, characterized in that, The step of sending the processing result of the second contract application to the computing device of the collection agency includes: If the second contract application is of type 1, then the second contract application is forwarded to the computing device of the account institution; The system receives the processing result of the account institution's computing device for the second contract application and sends the processing result of the second contract application to the collection agency's computing device. If the second contract application is of the second type, a first request is sent to the computing device of the collection agency; the first request is used to instruct the computing device of the collection agency to send a second request to the computing device of the account institution; the second request is used to instruct the computing device of the account institution to obtain the second contract application information input by the user through the second contract application interface, and process the second contract application information. The system receives the processing result of the second contract application information input by the user from the computing device of the account machine, and sends the processing result of the second contract application information to the computing device of the collection agency.

5. A signing system, characterized in that, include: The computing equipment of clearing institutions, accounting institutions, collection agencies, and merchants, among which, The merchant's computing device is used to generate a corresponding first contract application based on the merchant number, and send the first contract application to the computing device of the collection agency; The computing device of the collection agency is used to receive the first contract application sent by the merchant's computing device, and after adding the agreement document number to the first contract application, send it to the computing device of the clearing agency. The clearing institution's computing device is used to receive the first contract application sent by the collection institution's computing device, and to send the first contract application and corresponding merchant information to the account institution's computing device; The computing device of the account institution is used to receive merchant information and a first contract application sent by the computing device of the clearing institution, and generate a processing result for the first contract application.

6. The system according to claim 5, characterized in that, The computing device of the account institution is also used for: Verify the consistency between the merchant information and the merchant information in the agreement file corresponding to the agreement file number included in the first signing application; Based on the verification results, a processing result corresponding to the first signing application is generated, and the processing result is sent to the computing device of the clearing institution; If a second contract application is received from the clearing institution's computing device, the clearing institution processes the second contract application and sends the processing result to the clearing institution's computing device. The second contract application is submitted by the user to the collection agency's computing device and forwarded by the collection agency's computing device to the clearing institution's computing device. The second contract application contains the agreement file number from the first contract application. The agreement file corresponding to the agreement file number is used to characterize the contractual relationship between the merchant and the collection agency.

7. The system according to claim 5, characterized in that, The computing device of the account institution is also used for: After sending the processing result to the clearing institution, if a second request is received, the second contract application information input by the user is received through the second contract application interface; The second contract application information is processed, and the processing result of the second contract application information input by the user is sent to the computing device of the clearing institution.

8. The system according to claim 5, characterized in that, The agreement file corresponding to the agreement file number contains the merchant information corresponding to the merchant; the computing device of the collection agency is also used for: Receive the processing result sent by the clearing institution's computing device, and forward the processing result to the merchant's computing device; Receive a second contract request submitted by the user; The second contract application contains the agreement document number from the first contract application; the agreement document corresponding to the agreement document number is used to characterize the contractual relationship between the merchant and the collection agency; The processing result for the second contract application will be sent to the user.

9. The system according to claim 8, characterized in that, The computing device of the collection agency is specifically used for: The second contract application is sent to the clearing institution's computing device. If the second contract application is of the first type, the processing result of the second contract application sent by the clearing institution's computing device is received, and the processing result of the second contract application is sent to the user. The processing result of the second contract application is obtained by the account institution's computing device from processing the second contract application and forwarded to the clearing institution's computing device. If the second contract application is of the second type, then the first request sent by the clearing institution's computing device is received, and a second request is sent to the account institution's computing device based on the first request; the second request is used to instruct the account institution's computing device to obtain the second contract application information input by the user through the second contract application interface, and to process the second contract application information; The system receives the processing result of the second contract application information input by the user from the computing device of the clearing institution, and sends the processing result of the second contract application information to the computing device of the collection institution.

10. The system according to claim 5, characterized in that, The merchant's computing device is also used for: After receiving the processing result generated for the first contract application from the computing device of the collection agency, the protocol file corresponding to the protocol file number contained in the processing result is used as the master protocol; the master protocol is used to generate the corresponding sub-protocol when the merchant's computing device signs a contract with the user terminal; the sub-protocol contains the protocol file number.

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