The invention discloses an enchashment method and
system based on a third-party platform. The method comprises the following steps: a third-party platform receives an enchashment request submitted by a user through a
mobile phone client side, and carries out feasibility
verification; if the enchashment request passes the feasibility
verification, a
public account is used as a settlement account to make a cash transaction request to a
bank, and meanwhile, a traction key applied to the cash transaction request is generated and sent to the
mobile phone of the user; an ATM (automatic teller
machine) terminal receives a user selection instruction and enters a third-party platform transaction channel, and
verification information contained in the transaction key on the
mobile phone of the user is obtained and is sent to a
bank server side for verification; if the verification information passes the verification, the cash transaction request is permitted, and the cash transaction is finished by the ATM terminal; on the basis of the
public account and a cash transaction result, a virtual cash account under the
personal account of the user is synchronously updated. According to the enchashment method and
system, a convenient and quick enchashment method is provided for the user through the third-party platform, meanwhile, the data handling capacity of the
bank is reduced, and working efficiency is improved.