Method and system for processing collection and payment among bank accounts

Abstract

The invention provides a method and a system for processing collection and payment among bank accounts. The method comprises the following steps that: a mail remittance system acquires payment information comprising a payer account number, a payee email address, a payee name, a transaction amount and a transaction password which are input by a payer, and generates a remittance number according to the payment information; the mail remittance system sends a mail notification request to a bank mail system so as to allow the bank mail system to send a notification mail; the mail remittance system sends a transfer instruction to a bank core system so as to allow the bank core system to perform transfer operation corresponding to the remittance number from a payer account to an intermediate account; the mail remittance system acquires collection information comprising a payee mail address, the remittance number, the transaction password, a payee account and an opening bank which are input by the payee, and checks the collection information according to local storage information; and the mail remittance system sends a payment instruction to the bank core system if the checking is successful so as to allow the bank core system to perform the transfer operation from the intermediate account to the payee account.

Description

technical field [0001] The invention relates to a collection and payment processing method and system, in particular to a method for processing collection and payment between bank accounts and a system for processing collection and payment between bank accounts. Background technique [0002] With the diversification of transaction methods in economic activities and the continuous improvement and development of the collection and payment system between bank accounts, using bank accounts for collection and payment has become an extremely important settlement and payment method in people's lives. [0003] There are two main ways to pay through banks: one is to remit money at the bank counter; the other is to remit money through online banking. When using these two methods for payment, the payer needs to provide detailed information such as the payee's bank name, account number, account name, etc., so that the bank can complete the transfer operation based on these information. ...

AI Technical Summary

Problems solved by technology

[0004] Because in the existing payment process through bank accounts, the payee's bank name, account number, etc. are indispensable. On the one hand, for the payer, the payment procedures are more cumbersome, especially when the payer is relatively strong. It will be unfavorable for the payee to receive the payment in a timely manner; on the other hand, for the payee, sometimes for privacy protection or other purposes, it is not desirable to provide such detailed information to the payer, so a method is required that does not It is necessary to provide the beneficiary account number and the account opening bank to be able to process the collection and payment operations

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