Payment system and method of third-party payment platform based on HVPS system

Abstract

The invention relates to a payment system of a third-party payment platform based on an HVPS, which comprises a third-party payment platform, a fund trust institution, a write-off institution and an HVPS special network. The third-party payment platform is connected with the fund trust institution through the network, and the fund trust institution is connected with the write-off institution through the HVPS special network. The payment system has the advantages that various payments are realized through the third-party payment platform, excessive counter resource occupancy of a bank is avoided, and the precious time of users is saved. Moreover, the payment system is based on the HVPS system of the people bank of China, therefore the coverage is wide, covers nationwide commercial banks, credit unions and four major state-owned banks, and can support the subsequent business development of the payment.

Description

technical field [0001] The present application relates to a payment system and method, in particular to a system and method based on the HVPS system (High Value Payment System) and through a third-party payment platform for online payment. Background technique [0002] At present, we pay various types of public utilities, such as public transportation, postal services, telecommunications, urban water supply and drainage, heating, power supply, gas supply and other charges. Faced with such a wide variety of payment types, however, the distribution of business outlets of public utility units in various places is relatively small, which has led to the difficulty of public utility payment. The bank collection business also came into being, but the public utilities signed by each bank are different. For example, Bank A only signed contracts for heat and power supply, while Bank B signed contracts for gas supply, so the payment is still inconsistent. At present, the traditional p...

AI Technical Summary

Problems solved by technology

[0009] In view of the above-mentioned defects, the idea of ​​this application is to provide a third-party payment platform payment system based on the HVPS system to solve the existing technical defects of using a third-party payment platform to complete the automatic payment function in the prior art, which is complex and poor in operability

[0010] Another idea of ​​the present application is to provide a third-party payment platform payment system based on the HVPS system to solve the existing technical defects of using a third-party payment platform to complete the automatic payment function in the prior art, which is complex and poor in operability

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