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

A payment platform and payment system technology, applied in the field of HVPS-based systems, can solve the problems of complex implementation and poor operability, and achieve the effects of convenient implementation, convenient maintenance and cost reduction.

Inactive Publication Date: 2009-09-23
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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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

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

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Embodiment Construction

[0039] The core of this application is: on the basis of the HVPS system, the third-party payment platform can provide users with efficient, convenient and extensive online payment only by setting up an account with a fund custody institution. The fund custody institutions mentioned in this application include all kinds of banks and credit unions; the online payment mentioned in this application mainly refers to the payment of public utilities, such as public transportation, postal services, telecommunications, urban water supply and drainage, heating, power supply, gas supply, etc. But it does not exclude other applications that require funds transfers between multiple banks.

[0040]The HVPS system of the People's Bank of China is a real-time full settlement system. The purpose of establishing this system is to provide fast, efficient and safe payment and settlement services for banks and the financial market of enterprises and institutions, and to prevent payment risks. It p...

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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...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06Q50/00G06Q20/14
Inventor 张亮
Owner ALIBABA GRP HLDG LTD
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