CN117455471A - Comprehensive management method and system for full life cycle on bank collection and payment service line - Google Patents

Abstract

The invention belongs to the technical field of transaction payment, and particularly relates to a comprehensive management method and system for a full life cycle on a bank collection and payment service line. The method comprises the following steps: step 1: the method comprises the steps of a server side creating a parameter management process, a signing process, a collecting and paying process, a checking process, a clearing process and a solving process; step 2: the parameter management process processes the transaction information; step 3: the signing process carries out signing qualification authentication and principal signing authentication; step 4: the payment collecting and paying process obtains unit parameter information to complete fund deduction or fund payment process; step 5: the daily final account checking processing process obtains a product account checking file to generate a local account checking file; step 6: the clearing process initiates clearing at regular time; and step 7, when the client initiates a contract release transaction request, the contract release processing process unbundles the subscription information to complete contract release. The invention also includes a system for performing the aforementioned method.

Description

Comprehensive management method and system for full life cycle on bank collection and payment service line

Technical Field

The invention belongs to the technical field of transaction payment, and particularly relates to a method and a system for comprehensive management of a full life cycle on a bank collection and payment service line.

Background

With the high-speed development of internet technology and the popularization of mobile terminals, various online collection and payment scenes based on the mobile internet are continuously rich, the life mode that individual users transact various services through a third-party payment mechanism gradually becomes the mainstream, and the rapid subscription and payment channel of the third-party payment mechanism for applying to banks is generated. Currently, "quick payment" is a commonly used application for a third party payment mechanism to quickly sign up and pay a channel to a bank. Standard quick payment is divided into two flows of signing and deducting, after signing is completed, the bank can return the signing identification to the payment mechanism, and when the payment is deducted each time, the identification can be used for authorizing the deduction and issuing instructions.

The existing pay-pay transaction has the following technical problems: (1) After the payment is confirmed, the customer is not explicitly informed of the use scene, the use limit and the offer channel of the quick payment, the user experience is poor, and the signing risk exists; (2) After signing is successful, each payment is actively initiated by a client, and the requirements of the regular frequency-fixed rated consumption scenes such as consumption credit repayment, automatic water, electricity and gas payment and the like cannot be met; (3) The payment clearing adopts a merchant mode, and the real-time account-checking requirement cannot be met; (4) The data island is easy to form, the system redundancy construction is caused, and the risk monitoring, the data analysis and the value added service provision are not facilitated.

Disclosure of Invention

Aiming at the technical problems existing in the prior art, the invention provides a comprehensive management method and a comprehensive management system for the full life cycle of a bank pay-for-pay service line, which realize comprehensive management for the full life cycle of the pay-for-pay service line, avoid subscription risks, perform configuration centralized management through a parameter management mechanism, not only meet the requirements of customized service, but also break data island through centralized management, integrate data of a cut-off in a bank, provide powerful support for risk monitoring and data analysis, and build continuous value-added customer service.

In order to achieve the above object, the present invention provides the following solutions:

the comprehensive management method for the full life cycle of the bank pay-pay service line comprises a client and a server, wherein the server comprises a parameter configuration module, a signing module, a pay-pay module, an account checking module, a clearing module and a settlement module, and the method comprises the following steps:

step 1, a server creates a parameter management process, a signing process, a collecting and paying process, a daily terminal account checking process, a clearing process and a solving process;

step 2, the client sends a transaction request containing the entrusting unit parameter information to a parameter management process; the server is connected with a data storage container, and the data storage stores the entrusting unit parameter information; the parameter management process processes the transaction information and returns a processing result to the client; if the establishment of the entrusting unit parameter information fails, the subsequent steps are not carried out;

step 3, if the establishment of the delegated unit parameter information is successful, the client sends a signing transaction request to a signing processing process; the signing process acquires unit parameter information from the parameter configuration module, sequentially carries out signing qualification authentication process and principal signing authentication process according to the parameter information, and returns a processing result to the client; any one of the subscription qualification authentication and the principal subscription authentication is unsuccessful, and no subsequent step is performed;

step 4, if the signing qualification authentication and the principal signing authentication are successful, the client sends a collecting and paying instruction to a collecting and paying processing process, the collecting and paying processing process obtains unit parameter information, if the conditions are met, funds deduction or funds payment processing is completed within the overtime time, and a processing result is returned;

step 5, the daily final reconciliation processing process sequentially obtains the product reconciliation files at regular time, generates a local reconciliation file according to the parameter information, and pushes the local reconciliation file to the client;

step 6, the clearing process generates the amount to be cleared according to the parameter information and the reconciliation document, and the clearing is initiated at fixed time;

and 7, when the client initiates a contract release transaction request to a contract release processing process, the contract release processing process inquires subscription information according to the contract release transaction request, unbinding the subscription information, completing contract release, and returning a processing result to the client.

In the above method, the definition is as follows:

parameter configuration module: the basic information of the consignment unit, the product information, the product usage and the clearing information are configured and stored, and are execution baselines of other modules. And a signing module: the method is used for executing signing qualification authentication and principal signing authentication, and storing signing records and signing results. And a collection and payment module: and the system is used for receiving the receipt or payment replacing instruction of the consignment unit and executing the accounting operation according to the instruction. And (3) checking a account module: the system is used for acquiring transaction information of the collection and payment module and transaction information of the bank host computer every day, and providing account checking files and in-bank account checking for the consignment units. And a clearing module: for providing clearance, transferring funds from the bank transitional account to the account designated by the delegate unit in a manner agreed upon by the delegate unit.

Preferably, the step 2 includes the following steps:

step 2-1, a client sends a transaction request to a server, wherein the transaction request comprises new addition, modification, deletion or inquiry of entrusting unit parameter information, the entrusting unit parameter information comprises unit basic information, product use and clearing information, different fields in each type of information are used for identifying different attributes, and the transaction request combines the attributes according to requirements;

step 2-2, the server is connected with the data storage container and is used for storing entrusting unit parameter information in the transaction request;

step 2-3, the server processes the transaction request according to the transaction request category, and returns a processing result to the client; if the establishment of the entrusting unit parameter information fails, the subsequent steps are not carried out.

As a further preferable mode, the unit basic information in the step 2 comprises a unit name, unit account information, a manager, a reconciliation file pushing mode, a reconciliation file storage address, a short message template and a signing verification condition attribute, the product information in the step 2 comprises a project number and a consignment collection account number corresponding to a consignment agreement signed by a bank by consignment units, the product use information comprises a product number, a use description and a use transaction limit, and the clearing information in the step 2 comprises a clearing mode and a clearing account number.

Preferably, the comprehensive management method for the whole life cycle of the bank collection and payment service line, wherein the subscription qualification authentication process in the step 3 comprises the following steps:

step 3-1, creating a corresponding transaction record according to a transaction request, and storing the transaction record in a data storage container, wherein the transaction record contains data in the transaction request, and the data in the transaction request comprises a card number, a cardholder name, a card number, a contact way, a to-be-signed collection item number, a scene, a deadline and a quota;

step 3-2, acquiring parameter information associated with the to-be-signed collection item number, and checking whether the data in the transaction request meet the signing condition;

step 3-2, if the signing conditions are met, the signing qualification authentication process processes the signing transaction, records the transaction state, returns a processing result and a bank serial number to the client, and sends verification information to the signing client terminal; if the signing condition is not satisfied, the subsequent steps are not performed;

preferably, the comprehensive management method for the whole life cycle of the collection and payment business of the bank, wherein the signing authentication process of the principal in the step 3 comprises the following steps:

step 3-3, the server creates a principal authorization authentication process for processing the client subscription request;

step 3-4, the client sends a signing request to the principal authorization authentication process, wherein the data in the transaction request comprises verification information and a bank serial number;

step 3-5, the principal authorization authentication process acquires an online signing authentication transaction record according to the bank serial number, and verifies the accuracy and timeliness of verification information;

and 3-6, the principal authorizes the authentication process to complete, updates the transaction state, returns the processing result to the client and sends a signing result short message to the signing client.

As a further preferable mode, the comprehensive management method of the whole life cycle of the bank collection and payment business line comprises the steps of paying the use scene, using the quota and solving the contract.

Preferably, the offer transaction request in step 7 includes a subscription agreement number, a customer name and a card number.

As another object of the present invention, the present invention provides a system for executing the above-mentioned comprehensive management method for full life cycle on a bank payment service line, including a parameter configuration module, a subscription module, a payment module, an account checking module, a clearing module and a settlement module, where the parameter configuration module is used for configuring and storing basic information, product usage and clearing information of a commission unit; the signing module is used for executing signing qualification verification and principal authorization and storing signing records and signing results; the payment receiving and paying module is used for receiving a payment receiving and paying instruction of the consignment unit and executing accounting operation according to the instruction; the account checking module is used for acquiring the transaction information of the collection and payment module and the transaction information of the bank host computer every day, and providing account checking files and in-bank account checking for the consignment unit; the clearing module is used for providing clearing and transferring funds from the bank transition account to the account appointed by the commission unit according to the mode agreed with the commission unit; the offer module is used for receiving an offer transaction request and executing an offer processing process.

Compared with the prior art, the method and the system have the following beneficial effects:

1. the invention adopts an online subscription authentication mechanism, a consignment unit sends an authorization element (an authorized account name, an account number, a certificate number, a contact way, a scene, a deadline, a limit and the like) to a online subscription platform of a bank, and the bank performs qualification verification according to a supervision requirement and a verification condition agreed with the consignment unit, and if the qualification verification passes, verification information is sent to a client terminal; if the signing platform receives correct verification information within the valid period of the verification code, the signing authentication process is completed. After signing is successful, the bank informs the customer of signing details and the method for solving the contract. The mechanism effectively controls the signing risk and improves the user experience.

2. The invention adopts a parameter management mechanism to dynamically configure information such as commission units, product information, product use, clearing modes and the like, and performs centralized management on the information. Through parameter configuration, the system can provide various reconciliation services and clearing modes to meet different customer demands. In addition, when the consignment unit signs a collection consignment agreement with the bank, the deduction period, the frequency and the quota can be selected so as to adapt to the consumption scene of periodic frequency quota setting. The parameters are synchronously arranged in the product management of parameter management, so that centralized management of the pay-and-pay service data is realized.

3. The invention adopts the comprehensive solution of the full life cycle of the collecting and paying service, realizes one-stop access of the consignment unit to the banking service, and avoids the redundant construction of the system.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments of the present invention will be briefly described below, and it is obvious that the drawings described below are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 is a flow chart of a full life cycle management method on a bank pay-and-pay service line according to the present invention.

Fig. 2 is a schematic diagram of a system for executing the full life cycle management method of the present invention on a bank pay-and-pay service line.

Fig. 3 is a schematic diagram of a logic framework of a full life cycle management method on a bank pay-and-pay service line according to the present invention.

Detailed Description

As shown in fig. 1, fig. 2 and fig. 3, the embodiment of the invention provides a method and a system for managing a full life cycle of a collection and payment service of a bank.

In order to implement the full life cycle management method of the bank pay-for-pay service, a client and a server are provided, wherein the server comprises a system for executing the full life cycle management method of the bank pay-for-pay service, and the server specifically comprises a parameter configuration module, a signing module, a pay-for-pay module, an account checking module, a clearing module and a reduction module. The parameter configuration module is used for configuring and storing basic information of the commission unit, product information, product use and clearing information; the signing module is used for executing signing qualification verification and principal authorization and storing signing records and signing results; the payment receiving and paying module is used for receiving a payment receiving and paying instruction of the consignment unit and executing accounting operation according to the instruction; the account checking module is used for acquiring the transaction information of the collection and payment module and the transaction information of the bank host computer every day, and providing account checking files and in-bank account checking for the consignment unit; the clearing module is used for providing clearing and transferring funds from the bank transition account to the account appointed by the commission unit according to the mode agreed with the commission unit; the offer module is used for receiving an offer transaction request and executing an offer processing process.

The comprehensive management method for the full life cycle of the bank pay-pay service line comprises a client and a server, wherein the server comprises a parameter configuration module, a signing module, a pay-pay module, an account checking module, a clearing module and a settlement module, and comprises the following steps:

step 1, a server creates a parameter management process, a signing process, a collecting and paying process, a daily terminal account checking process, a clearing process and a solving process.

Step 2, the client sends a transaction request containing the entrusting unit parameter information to a parameter management process; the server is connected with a data storage container, and the data storage stores the entrusting unit parameter information; the parameter management process processes the transaction information and returns a processing result to the client; specifically, step 2 further includes the steps of:

step 2-1, the client sends a transaction request to the server, wherein the transaction request comprises the addition, modification, deletion or inquiry of entrusting unit parameter information, the entrusting unit parameter information comprises unit basic information, product use and clearing information, different fields in each type of information are used for identifying different attributes, and the transaction request combines the attributes according to requirements. By the configuration of the foregoing information, the following three types of customized services can be realized: (1) Providing a personalized account checking mode, wherein two account checking modes can be summarized by adopting a collection and payment sum account, and in one embodiment of the invention, if the account checking mode is agreed with a consignment unit according to collection and payment sum, a bank generates two summary account checking files according to collection and payment per day; in another embodiment of the invention, if agreed with the commission unit and summarized by account, the bank generates a reconciliation file with the commission unit and the public account as dimensions every day, and one commission unit may correspond to a plurality of accounts. (2) And the extensible verification mode is provided, the consignment unit can agree with a more strict collection signing verification mode with the bank on the premise of compliance, and the bank can configure according to the verification parameters and increase the verification conditions outside the verification conditions required by the monitoring. For example, as an embodiment of the present invention, the personal client a agrees with a certain card-eliminating company to pay automatically according to frequency, and in order to avoid automatic payment failure caused by the limit of the second-class card, the sign of "only one-class card is allowed" may be set as allowed in the subscription verification parameters of the card-eliminating company. (3) Personalized SMS template configuration is provided to continuously meet the requirements of consignment units and supervision. For example, a general short message template provided by a consignment unit considers that the internal management requirement of the unit is not met, and a short message notification template can be configured for the unit independently on the premise of meeting the supervision requirement. The product information comprises information such as project numbers, consignment collection account numbers and the like corresponding to consignment agreements signed by the consignment units and the banks, and is an important basis for signing and pushing reconciliation documents. The product uses are used for configuring product use information, each product has a plurality of uses, each use has a use code and a use description, and the transaction limits of each use are different. The clearing information comprises clearing modes, clearing account numbers and the like, and is an important basis for clearing. By configuration of clearing information, the following three types of customized clearing services can be realized: (1) Automatic clearing, in one embodiment of the invention, if the system automatically clears with the commission unit, the system clears funds according to the contracted collection account after acquiring the reconciliation file every day; (2) Pre-clearing, in one embodiment of the invention, if the system agrees with the commission unit for clearing for multiple times, the system carries out pre-clearing according to the current account balance and the stipulated proportion on the day T+0, and carries out rolling clearance according to the reconciliation document on the day T+1; (3) In another embodiment of the present invention, if the multi-sponsor clearing is agreed with the consignment unit, the multi-sponsor clearing is respectively cleared to different sponsors according to the summary codes of the transaction details. For example, as one embodiment of the invention, where a delegated entity wishes to settle funds on the day that it is to be billed, the entity may select a pre-settlement mode, settle the contracted portion of the funds on the day, and take the next day to be billed.

Step 2-2, the server is connected with the data storage container and is used for storing entrusting unit parameter information in the transaction request;

step 2-3, the server processes the transaction request according to the transaction request category, and returns a processing result to the client;

if the entrusting unit parameter information in the step 2 fails to be newly established, the subsequent step is not carried out.

Step 3, if the establishment of the entrusting unit parameter information is successful, the client sends a signing transaction request to a signing processing process; the signing process acquires unit parameter information from the parameter configuration module, sequentially carries out signing qualification authentication process and principal signing authentication process according to the parameter information, and returns a processing result to the client. Specifically, the subscription qualification authentication process includes the following steps: step 3-1, creating a corresponding transaction record according to a transaction request, and storing the transaction record in a data storage container, wherein the transaction record contains data in the transaction request, and the data in the transaction request comprises a card number, a cardholder name, a card number, a contact way, a to-be-signed collection item number, a scene, a deadline and a quota; step 3-2, acquiring parameter information associated with the to-be-signed collection item number, and checking whether the data in the transaction request meet the signing condition; step 3-2, if the signing conditions are met, the signing qualification authentication process processes the signing transaction, records the transaction state, returns a processing result and a bank serial number to the client, and sends verification information to the signing client terminal; if the signing condition is not satisfied, the subsequent steps are not performed; the signing authentication process of the principal comprises the following steps: step 3-3, the server creates a principal authorization authentication process for processing the client subscription request; step 3-4, the client sends a signing request to the principal authorization authentication process, wherein the data in the transaction request comprises verification information and a bank serial number; step 3-5, the principal authorization authentication process acquires an online signing authentication transaction record according to the bank serial number, and verifies the accuracy and timeliness of verification information; and 3-6, the principal authorizes the authentication process to complete, updates the transaction state, returns the processing result to the client and sends a signing result short message to the signing client. For example, as an embodiment of the present invention, the personal client B performs a fund subscription on a third party platform, agrees to sign a fund deduction agreement with a bank, and then the third party platform as a commission unit sends client information to the bank through an interface, including a card number, a cardholder name, a certificate number, a contact way, a to-be-signed deduction item number, a scene, a term, a limit, and the like, and the bank verifies whether the client meets the subscription condition according to the supervision requirement and other verification conditions agreed with the commission unit. If the signing condition is not satisfied, the subsequent steps are not performed. If the short message verification code is satisfied, the short message verification code is sent to the to-be-signed customer information, and if the customer correctly backfills the verification code in the validity period, the signing is successful. After success, a short message is sent to the customer signing mobile phone, and the short message content comprises the information of the third party platform name, the deduction frequency, the deduction maximum limit, the authorization valid period, the offer route, the method and the like.

In step 3, if any one of the subscription qualification authentication and the principal subscription authentication is unsuccessful, no subsequent step is performed.

And step 4, step 3, signing qualification authentication and principal signing authentication are successful, the client sends a collecting and paying instruction to a collecting and paying processing process, the collecting and paying processing process obtains unit parameter information, and if the conditions are met, funds deduction or funds payment processing is completed within the timeout time, and a processing result is returned.

And 5, sequentially acquiring reconciliation files of different products at regular time by a daily final reconciliation processing process, generating a local reconciliation file according to the parameter information, and pushing the local reconciliation file to the client.

And 6, generating an amount to be cleared according to the parameter information and the reconciliation file by the clearing process, and initiating clearing at fixed time.

For example, as an embodiment of the present invention, after the private customer B signs up successfully with the fund deduction protocol of the fund subscription on a certain third party platform, the process of the deduction and the deduction process deducts the corresponding amount of money according to the deduction time parameter agreed by the commission unit, and returns the processing result. And the daily final account checking processing process obtains an account checking file, produces a local account checking file according to the parameter information, pushes the local account checking file to a client, and performs account checking with a commission unit. And then, generating an amount to be cleared according to the parameter information and the reconciliation file through a daily terminal clearing process, initiating clearing, and transferring funds from the bank transitional account to an account appointed by the commission unit.

And 7, if the client initiates a contract-releasing transaction request to a contract-releasing processing process, wherein the contract-releasing transaction request comprises a contract-signing protocol number, a client name and a card number, the contract-releasing processing process inquires contract-signing information according to the information in the contract-releasing transaction request, unbinding the contract-signing information, completing contract releasing, and returning a processing result to the client. As an embodiment of the present invention, if the individual client B does not continue to subscribe to the third party fund subscription platform, a subscription release transaction request is initiated through the client, and the subscription information query and the subscription release process are performed according to the information in the transaction request. And after unbinding is completed, returning a processing result.

It can be understood that the system for executing the comprehensive management method of the whole life cycle on the bank pay-and-pay service line is installed and operated in the electronic device and operated in the network environment. The electronic device may be a variety of forms of electronic computer. The data storage container can be an external storage device of the electronic device or an internal storage device of the electronic device, and can store and install application software and various data.

Those skilled in the art will appreciate that the processes or operations depicted in the flowcharts and diagrams may vary widely. The foregoing description is only illustrative of the present invention, and the scope of the invention is not limited thereto, but any modification, equivalent replacement and improvement made by those skilled in the art within the scope of the present invention shall fall within the spirit and principles of the present invention.

Claims (8)

1. The comprehensive management method for the whole life cycle of the bank pay-pay service line comprises a client and a server, the server comprises a parameter configuration module, a signing module, a collection payment module, a checking module, a clearing module and a reduction module, and is characterized in that the method comprises the following steps:

step 1, a server creates a parameter management process, a signing process, a collecting and paying process, a daily terminal account checking process, a clearing process and a solving process;

step 2, the client sends a transaction request containing the entrusting unit parameter information to a parameter management process; the server is connected with a data storage container, and the data storage stores the entrusting unit parameter information; the parameter management process processes the transaction information and returns a processing result to the client; if the establishment of the entrusting unit parameter information fails, the subsequent steps are not carried out;

step 3, if the establishment of the delegated unit parameter information is successful, the client sends a signing transaction request to a signing processing process; the signing process acquires unit parameter information from the parameter configuration module, sequentially carries out signing qualification authentication process and principal signing authentication process according to the parameter information, and returns a processing result to the client; any one of the subscription qualification authentication and the principal subscription authentication is unsuccessful, and no subsequent step is performed;

step 4, if the signing qualification authentication and the principal signing authentication are successful, the client sends a payment receipt instruction to the payment receipt processing process, the payment receipt processing process obtains unit parameter information, and if the condition is met, funds deduction or funds payment processing is completed within the timeout time, and a processing result is returned;

step 5, the daily final reconciliation processing process sequentially obtains the product reconciliation files at regular time, generates a local reconciliation file according to the parameter information, and pushes the local reconciliation file to the client;

step 6, the clearing process generates the amount to be cleared according to the parameter information and the reconciliation document, and the clearing is initiated at fixed time;

and 7, when the client initiates a contract release transaction request to a contract release processing process, the contract release processing process inquires subscription information according to the contract release transaction request, unbinding the subscription information, completing contract release, and returning a processing result to the client.

2. The method for comprehensive management of full life cycle on a bank pay-as-you-go service line according to claim 1, wherein the step 2 comprises the steps of:

step 2-1, a client sends a transaction request to a server, wherein the transaction request comprises new addition, modification, deletion or inquiry of entrusting unit parameter information, the entrusting unit parameter information comprises unit basic information, product use and clearing information, different fields in each type of information are used for identifying different attributes, and the transaction request combines the attributes according to requirements;

step 2-2, the server is connected with the data storage container and is used for storing entrusting unit parameter information in the transaction request;

step 2-3, the server processes the transaction request according to the transaction request category, and returns a processing result to the client; if the establishment of the entrusting unit parameter information fails, the subsequent steps are not carried out.

3. The method according to claim 2, wherein the basic unit information in step 2 includes a unit name, unit account information, a handling organization, a reconciliation document pushing mode, a reconciliation document storage address, a sms template, and a subscription check condition attribute, the product information in step 2 includes a project number and a delegated collection account number corresponding to a delegated agreement signed by a bank by a delegated unit, the product usage information includes a product number, a usage description, and a usage transaction allowance, and the clearing information in step 2 includes a clearing mode and a clearing account number.

4. The method for comprehensive management of a full life cycle on a bank payment and collection service line according to claim 1, wherein the subscription qualification authentication process in step 3 comprises the steps of:

step 3-1, creating a corresponding transaction record according to a transaction request, and storing the transaction record in a data storage container, wherein the transaction record contains data in the transaction request, and the data in the transaction request comprises a card number, a cardholder name, a card number, a contact way, a to-be-signed collection item number, a scene, a deadline and a quota;

step 3-2, acquiring parameter information associated with the to-be-signed collection item number, and checking whether the data in the transaction request meet the signing condition;

step 3-2, if the signing conditions are met, the signing qualification authentication process processes the signing transaction, records the transaction state, returns a processing result and a bank serial number to the client, and sends verification information to the signing client terminal; if the signing condition is not satisfied, the subsequent steps are not performed.

5. The method for comprehensive management of a full life cycle on a bank payment and collection service line according to claim 1, wherein the principal subscription authentication process in step 3 comprises the following steps:

step 3-3, the server creates a principal authorization authentication process for processing the client subscription request;

step 3-4, the client sends a signing request to the principal authorization authentication process, wherein the data in the transaction request comprises verification information and a bank serial number;

step 3-5, the principal authorization authentication process acquires an online signing authentication transaction record according to the bank serial number, and verifies the accuracy and timeliness of verification information;

and 3-6, the principal authorizes the authentication process to complete, updates the transaction state, returns the processing result to the client and sends a signing result short message to the signing client.

6. The method for integrated management of full life cycle on a bank pay-as-you-go business line of claim 5, wherein the signing result in step 3-6 comprises payment of usage scenario, usage allowance and offer method.

7. The method for integrated management of full life cycle of a pay-as-you-go service line of claim 1, wherein the offer transaction request in step 7 comprises a subscription agreement number, a customer name, and a card number.

8. A system for executing the comprehensive management method of the whole life cycle on the bank collection and payment service line according to any one of claims 1 to 7, which is characterized by comprising a parameter configuration module, a signing module, a collection and payment module, an account checking module, a clearing module and a settlement module, wherein the parameter configuration module is used for configuring and storing basic information of a consignment unit, product information, product use and clearing information; the signing module is used for executing signing qualification verification and personal authorization and storing signing records and signing results; the collection and payment module is used for receiving a collection and payment instruction of the commission unit and executing accounting operation according to the instruction; the account checking module is used for acquiring transaction information of the collecting and paying module and transaction information of a bank host computer every day, and providing account checking files and in-bank account checking for the consignment unit; the clearing module is used for providing clearing and transferring funds from the bank transition account to the account appointed by the consignment unit according to the mode agreed with the consignment unit; the offer module is used for receiving an offer transaction request and executing an offer processing process.