Management and payment method for non-bank accounts based on bank accounts

Abstract

Disclosed is a management and payment method for non-bank accounts based on bank accounts to solve the current problems of there being many non-bank accounts and inconvenience in use. According to the invention, a multi-account management and payment system is employed which establishes connections with various non-bank accounts and bank accounts and through the multi-account management and payment system, management of all non-bank accounts and orderly payment in a unified manner according to the sequence of set priority levels are achieved through bank accounts. The management and payment method for the non-bank accounts based on the bank accounts has the beneficial effects that employment of bank account transaction approach provides convenience; meanwhile consumable balances in all non-bank accounts can be preferably used; and the problems of restricted usage scenario, range and consuming amount of non-bank accounts are solved. Unified merchant liquidation is much easier for merchants, compared with separate reconciliation and independent liquidation of current multiple systems.

Description

Technical field [0001] The invention relates to the field of bank account offline payment, in particular to a method for managing and paying non-bank accounts based on bank accounts. Background technique [0002] With the development of the financial industry, every consumer in society has a bank account, and almost every consumer has non-bank accounts such as points of different operators, bank card points, electronic coupons, and shopping cards. However, when the vast majority of consumers consume offline, they can only use a single non-bank account for payment under certain conditions. Most of consumers' non-bank accounts such as point accounts and e-coupon accounts are idle, and even these non-bank accounts have not been used until they expire. The reason is that the management and payment methods of these non-bank accounts are inconvenient, and more points accounts and coupon accounts can only be used in very limited occasions. [0003] See attached figure 1 , which ...

AI Technical Summary

Problems solved by technology

[0008] In order to solve the current situation that there are many non-bank accounts in the prior art and it is inconvenient to use, the purpose of the present invention is to provide a non-bank account management and payment method and a multi-account management payment system based on bank accounts, so as to implement bank accounts for all non-bank accounts. Management and unification of non-bank accounts Pay sequentially according to the set priority order

Images