Enchashment method and system based on third-party platform

A platform and cash technology, applied in the field of cash withdrawal methods and systems based on third-party platforms, can solve problems such as service lag, Internet financial direct cash withdrawals that cannot be supervised, and inconvenience, so as to improve work efficiency, reduce data processing burden, and reduce data loss. The effect of throughput

Active Publication Date: 2015-06-03
王钧
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

At the same time, offline customers only have to open a bank card in the bank in advance, and then apply for the online payment function to realize online electronic transactions, resulting in relatively lagging and inconvenient services
In

Method used

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  • Enchashment method and system based on third-party platform
  • Enchashment method and system based on third-party platform

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[0030] In order to make the objectives, technical solutions, and advantages of the present invention clearer, the following further describes the present invention in detail in conjunction with specific embodiments and with reference to the accompanying drawings.

[0031] The embodiment of the present invention provides a cash withdrawal method based on a third-party platform. The third-party platform is the main part of providing cash withdrawal services for users, and it also provides users with daily services provided by general website platforms. As a foundation, third-party platforms provide users with personal account registration and management services. Users can register personal accounts on third-party platform websites. Personal accounts record users’ basic personal information. When users use third-party platform services, they must first Log in with your personal account. There is a virtual cash account under the user's personal account, which is used to manage the e...

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Abstract

The invention discloses an enchashment method and system based on a third-party platform. The method comprises the following steps: a third-party platform receives an enchashment request submitted by a user through a mobile phone client side, and carries out feasibility verification; if the enchashment request passes the feasibility verification, a public account is used as a settlement account to make a cash transaction request to a bank, and meanwhile, a traction key applied to the cash transaction request is generated and sent to the mobile phone of the user; an ATM (automatic teller machine) terminal receives a user selection instruction and enters a third-party platform transaction channel, and verification information contained in the transaction key on the mobile phone of the user is obtained and is sent to a bank server side for verification; if the verification information passes the verification, the cash transaction request is permitted, and the cash transaction is finished by the ATM terminal; on the basis of the public account and a cash transaction result, a virtual cash account under the personal account of the user is synchronously updated. According to the enchashment method and system, a convenient and quick enchashment method is provided for the user through the third-party platform, meanwhile, the data handling capacity of the bank is reduced, and working efficiency is improved.

Description

technical field [0001] The invention relates to the technical field of e-commerce and network finance, in particular to a cash withdrawal method and system based on a third-party platform. Background technique [0002] First of all, the vigorous development of e-commerce has driven the development of mobile Internet and Internet finance, making online transactions and payment technologies based on Internet technology increasingly mature, and third-party payment platforms represented by Alipay have emerged as the times require. Secondly, traditional financial services are increasingly being challenged by Internet finance. So far, the financial transactions that Internet finance can achieve have basically covered the non-cash transactions of traditional finance. Thirdly, the expansion of the boundary between traditional finance and Internet finance is bound to become a major trend of global financial development in the future. [0003] At present, the payment function of the ...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/18G06Q20/32G06Q20/28
Inventor 王钧
Owner 王钧
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