校园翼机通与翼支付业务方案

校园翼机通与翼支付业务 校园翼机通WEB充值(翼支付) 校园翼机通WEB充值(翼支付) 校园翼机通WEB充值(翼支付) 业务方案 业务方案 业务方案 (V1.0) (V1.0) (V1.0) 2011年9月 to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business. Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit 目录 1 概述.......................................................................................................................... 3 1.1 业务简介 ........................................................................................................ 3 1.2 名词解释 .......................................................................... 错误～未定义书签。 2 适用的客户群和场景 ................................................................................................. 4 3 业务流程................................................................................................................... 5 3.1 校园翼机通WEB充值总体流程 ....................................................................... 5 3.2 翼机通充值流程.............................................................................................. 7 3.3 离线版翼机通系统充值写卡方式(以卡为准方式) ......................................... 8 3.4 清结算流程..................................................................................................... 9 4 职责分工................................................................................................................... 9 4.1 学校 ............................................................................................................... 9 4.2 合作商(翼机通厂商、业务拓展商) .............................................................. 9 n, risk managers held accountable for their findings. Article 12th preloan investigation work in parallel, as a double investigatio-ponsibility of credit business. Risk managers participate in the preshall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the res sions. Main and auxiliary officersloan investigation should be two participants, one person, another person aided person, except on business with special provi-loan investigation a mere formality. 11th pre-es that are not involved in the investigation, pred for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-le tenth credit preArtic indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information.lients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and of cfilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect2d for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreeloan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed - 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 1 概述 1.1 翼机通与翼支付整合可行性分析 现在各学校翼机通项目基于的硬件、软件是一个相对独立的平台～如果把翼支付比作一个钱包的话～那么翼机通也可以看成是一个单独的钱包～那么就存在着2个单独的钱包～如果在技术上把这2个钱包和并～形成一个钱包～在技术上虽然可以实现～但却面临很多问题～比如说学校对本校学生的补助金额～这个部分要求必须在学校内消费～那么系统无法控制补助的金额在那里消费的问题～还有就是直接用翼支付在学校进行消费～特别是吃饭的时候～会面临着POS机对翼支付服务器传送数据,而手机一卡通里并不储存金额～那么方式就由现在的IC方式转变为了ID方式～这样一个是响应速度很慢～无法及时消费～还有就是一旦学校断网～学生无法经行消费～所以～把翼机通和翼支付合并一个的做法认为不可行。所以新中新在与中国电信合作的背景下～推出了针对翼机通与翼支付的解决方案～称为校园翼机通WEB充值业务。 1.2 业务简介 校园翼机通WEB充值业务是通过WEB方式实现用户由银行网银账户对校园翼机通账户快速充值的服务。 翼机通WEB充值业务是中国电信为各类院校提供的新型增值服务～可有效解决学生充值排队、校方人工收款、假钱坏钱零钱管理等常见的问题～并提供家长远程充值、学生消费管理等附加服务～提升 filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement redit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, c to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect3for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreed loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -risk managers held accountable for their findings. Article 12th pre loan investigation work in parallel, as a double investigation,-onsibility of credit business. Risk managers participate in the prehall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the respsions. Main and auxiliary officers sloan investigation should be two participants, one person, another person aided person, except on business with special provi-loan investigation a mere formality. 11th pre-that are not involved in the investigation, pre d for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casesloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-tenth credit pre rticledirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Aents and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and inof cli 校方的信息化管理水平。翼机通WEB充值业务将作为中国电信翼机通行业应用的模块之一向全国院校规模推广。 1.3 名词解释 校园翼机通系统:翼机通是中国电信响应国家物联网发展战略～大力推进的重点行业应用之一。是以校园网为基本载体～采用计算机技术、网络与通信技术、数据库技术和IC卡识别技术～利用IC卡作为信息的载体～持卡人在其权限范围内～实现校内的商务消费、身份识别和认证、社会应用、财务结算和自助服务等活动～为广大师生员工的教学、科研和生活提供方便～从根本上实现“一机在手～走遍校园”的目的。 翼机通WEB圈存平台:该平台将学校用户与相应翼机通系统账户进行绑定～通过使用翼支付WEB网关支付能力～可为用户账户进行在线充值。 翼支付WEB网关平台:集成多家银行和第三方支付账户的WEB接口～为用户提供WEB方式进行银行卡,包括信用卡和借记卡,网银支付和第三方账户支付的服务～将扣款金额按照约定结算给收款单位。 2 适用的客户群和场景 翼机通(翼支付业务,既适用于使用中国电信翼机通服务的各类院校～也适用于其他各类想为家长/学生提供“在线充值校内账户”服务的院校。 sions. Main and auxiliary officersloan investigation should be two participants, one person, another person aided person, except on business with special provi-loan investigation a mere formality. 11th pre-es that are not involved in the investigation, pred for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-le tenth credit preArtic indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information.lients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and of cfilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect4d for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreeloan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -n, risk managers held accountable for their findings. Article 12th preloan investigation work in parallel, as a double investigatio-ponsibility of credit business. Risk managers participate in the preshall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the res 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 翼机通(翼支付业务,作为校方的信息服务之一～主要使用者包括教师、学生、家长以及管理员。 学生:可实时为自己的校内账户充值并查询余额, 教师:可实时为自己的校内账户充值并查询余额,有权限的教师可查询所辖的学生的日常消费情况～并设臵每日消费额度, 家长:可实时为孩子的校内账户充值并查询余额～并可设臵孩子的每日消费额度, 管理员:可查询所有用户的账户余额及交易情况～并设臵管理权限。 3 业务流程 3.1 校园翼机通WEB充值总体流程 用户通过WEB方式向校园翼机通充值时～需要经历用户接入、产生订单、网银扣款、账户充值、结算等几个过程～其流程如图1所示。 rticledirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Aents and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and inof clifilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement redit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, c to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect5for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreed loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -risk managers held accountable for their findings. Article 12th pre loan investigation work in parallel, as a double investigation,-onsibility of credit business. Risk managers participate in the prehall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the respsions. Main and auxiliary officers sloan investigation should be two participants, one person, another person aided person, except on business with special provi-loan investigation a mere formality. 11th pre-that are not involved in the investigation, pre d for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casesloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-tenth credit pre 校园翼机通WEB充值总体流程 用户合作商支付公司学校用户浏览业务呈现 用户充值处理充值请求验证账户信息 失败处理验证结果充值失败 成功 产生订单获取订单 付款网银扣费 订单 支付结果 调用翼机通翼机通增款增款接口 记录增款充值完成结果 对账对账 对账对账 打款收款 校园翼机通WEB充值总体流程图,图1, loan investigation a mere formality. 11th pre-es that are not involved in the investigation, pred for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-le tenth credit preArtic indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information.lients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and of cfilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect6d for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreeloan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -n, risk managers held accountable for their findings. Article 12th preloan investigation work in parallel, as a double investigatio-ponsibility of credit business. Risk managers participate in the preshall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the res sions. Main and auxiliary officersloan investigation should be two participants, one person, another person aided person, except on business with special provi- 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 3.2 翼机通充值流程 1、翼机通用户访问翼机通圈存平台～平台为其展现充值业务。 2、用户选择为校园卡充值～输入翼机通编号、姓名和充值金额并提交表单～圈存系统去翼机通系统验证用户充值卡号是否存在～姓名是否匹配～验证成功后为用户生成交易订单返回给用户。 系统跳转至银行选择界面并提示用户进一步前往网银完成交易 3、用户获取订单～点击支付系统跳转到翼支付网关平台 3、交易成功后用户返回圈存平台的页面～并显示订单支付结果～如果支付成功～圈存平台会调用校园翼机通增款接口为用户翼机通账户增款。 具体流程如图2所示。 direct surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Aents and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and inof clifilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement redit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, c to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect7for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreed loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -risk managers held accountable for their findings. Article 12th pre loan investigation work in parallel, as a double investigation,-onsibility of credit business. Risk managers participate in the prehall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the respsions. Main and auxiliary officers sloan investigation should be two participants, one person, another person aided person, except on business with special provi-loan investigation a mere formality. 11th pre-that are not involved in the investigation, pre d for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casesloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-tenth credit pre rticle 用户翼机通WEB圈存平台翼支付WEB网关平台校园翼机通 用户浏览 呈现业务 用户提交充值信息 请求验证账户信息 验证账户信息 返回验证结果 产生订单 返回订单信息 用户点击支付，提交订单 完成交易 返回订单交易结果 标示订单处理结果 调用增款接口 为用户增款 返回增款结果 记录增款信息 返回充值结果 翼机通充值流程,图2, 3.3 离线版翼机通系统充值写卡方式(以卡为准方式) 对于部分离线版翼机通系统～用户通过WEB圈存平台无法将充值金额直接写入用户校园卡内～因此用户需要通过特殊的“增补款圈存POS机具”完成向卡内写入充值金额工作:用户完成在线充值后～到 loan investigation a mere formality. 11th pre-es that are not involved in the investigation, pred for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-le tenth credit preArtic indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information.lients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and of cfilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect8d for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreeloan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -n, risk managers held accountable for their findings. Article 12th preloan investigation work in parallel, as a double investigatio-ponsibility of credit business. Risk managers participate in the preshall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the res sions. Main and auxiliary officersloan investigation should be two participants, one person, another person aided person, except on business with special provi- 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 校园翼机通WEB充值业务方案 特定的机具前刷卡～即可自动完成。 3.4 清结算流程 支付公司T+1日自动生成T日的对账文件,txt文档,～校方,或厂商,人员直接登陆支付公司商户自助平台获取对账文件并进行确认。若存有异议～可与支付公司协商并告知订单号。对无法补处理的交易～形成退款文本发送给支付公司进行退款。 双方对账完成达成一致后～支付公司出具结算报表作为双方交易资金结算的依据～并按照约定的周期向校方进行结算。周期通常为一周一结～有特殊需求的学校可以放宽到一周二结。 4 职责分工 4.1 学校 与支付公司达成合作～指定厂家与支付公司进行系统对接并开放翼机通校园卡充值查询等接口。负责翼机通(翼支付业务,在校内的宣传推广～负责协助支付公司进行必要的交易协商。 4.2 合作商(翼机通厂商、业务拓展商) 按照校方和支付公司的要求～开发并维护翼机通WEB圈存平台。负责与翼机通校园卡平台、翼支付网关平台对接～实现完整的业务和系统流程。 loan investigation a mere formality. 11th pre-that are not involved in the investigation, pre d for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in casesloan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provide-tenth credit pre rticledirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Aents and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and inof clifilter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement redit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, c to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect9for the credit business. 13th marketing lines management departments at all levels to meet the conditions of creditcomments, and ambiguous or contradictory, deemed to be agreed loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed -risk managers held accountable for their findings. Article 12th pre loan investigation work in parallel, as a double investigation,-onsibility of credit business. Risk managers participate in the prehall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the respsions. Main and auxiliary officers sloan investigation should be two participants, one person, another person aided person, except on business with special provi-