Telephone acquiring system and method for realizing real-time account function

Abstract

The invention relates to a telephone acquiring system and a method for realizing a real-time account function. A telephone payment terminal is bound with a bank account of a merchant, and used for collecting transaction amount information between a cardholder and the merchant and transmitting the transaction amount information to a telephone receipt and payment server; the telephone receipt and payment server is used for working out real-time consumption commission charge of a bank according to the transaction amount information, and sending a call signaling to an acquiring bank server; the acquiring bank server comprises a telephone payment terminal real-time consumption transaction interface triggered to accomplish consumption transaction in real time after detecting the call signaling of the telephone receipt and payment server, that is the acquiring bank server deducts account balance of the cardholder to obtain the transaction amount and deducts the real-time consumption commission charge of the bank from the transaction amount; the residual balance is transferred to a bank account of the merchant in real time.

Description

technical field [0001] The invention relates to the field of telephone bill acquiring systems, in particular to a telephone bill acquiring system and method for realizing real-time account transfer function. Background technique [0002] Such as figure 1 Shown is a traditional telephone acquiring system diagram. A large number of Type II telephone payment terminals are used in wholesale merchants in the wholesale market. Cardholders can use Type II telephone payment terminals to conduct card consumption transactions at the wholesale merchant side, similar to ordinary POS consumption transactions. When the bank card is used for consumption, it will be forwarded to the server of the acquiring bank through the telephone payment server for account processing, the balance of the cardholder's account will be deducted and the funds will be transferred to the internal account for temporary collection to be cleared, and T+1 will be used for settlement account processing; When using...

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to address the above problems. The present invention proposes a telephone acquiring system and method that realizes the real-time account transfer function, and solves the problem of real-time account transfer when wholesale merchants use telephone payment terminals to collect money.

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