Hand-controlled payment method and hand-controlled payment system

A payment system and core system technology, applied in the payment field, can solve the problems of cumbersome procedures, time-consuming, inefficient transfer procedures, efficient waiting process, etc.

Inactive Publication Date: 2015-07-08
深圳票联金融服务有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Due to the cumbersome procedures for handling electronic transfer business at the bank counter, especially for corporate users, it takes a lot of time to handle large-value fund transfer business at the bank counter
Therefore, if the financial per

Method used

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  • Hand-controlled payment method and hand-controlled payment system
  • Hand-controlled payment method and hand-controlled payment system
  • Hand-controlled payment method and hand-controlled payment system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0072] This embodiment discloses the first control payment system of the present invention.

[0073] like figure 1 As shown, the control payment system includes multiple payment terminals 100 installed with control payment software, control payment core system 200 , intra-city payment system 300 , paying bank server 400 and receiving bank server 500 . in:

[0074] Each of the payment terminals 100 is used for submitting one or more funds transfer applications to the control payment core system 200 according to the transfer operation of the payer.

[0075] The control payment core system 200 is used to request the payment bank to perform the fund freezing operation through the intra-city payment system 300 when receiving a fund transfer application submitted by any one of the payment terminals 100, and to judge the unfreezing of the frozen fund and When the payment conditions are ripe, request the payment bank to unfreeze the funds through the intra-city payment system 300, a...

Embodiment 2

[0078] This embodiment discloses the second control payment system of the present invention.

[0079] like figure 2 As shown, the control payment system includes multiple collection terminals 700700 and multiple payment terminals 100 installed with control payment software, control payment core system 200 , intra-city payment system 300 , payment bank server 400 and collection bank server 500 . in:

[0080] Each collection terminal 700700 is used to open and run the control payment software according to the operation of the collection terminal 700, enter the receipt sub-interface of the control payment interface, and enter the transfer information including the collection terminal account number and transaction amount in the receipt sub-interface, Generate a third electronic transfer application form and generate a QR code carrying the third electronic transfer application form according to the input information, or forward the page link URL of the receipt sub-interface to t...

Embodiment 3

[0086] This embodiment discloses a control payment method based on a pre-authorization mode. The control payment method includes the following processing steps:

[0087] Step 101: Generate the first electronic application transfer form on the payment terminal 100, and after the controller approves the first electronic application transfer form, submit an electronic money transfer request to the control payment core system 200 through the payment terminal 100.

[0088] Step 101 includes the following sub-steps:

[0089] Step 1011, the payment terminal 100 receives and responds to the first handler's click operation on the control payment software APP, opens the control payment software login interface, and verifies the login account number and password input by the first handler on the control payment software login interface ;

[0090] Step 1012: When the login account number and password are verified and passed, enter the second electronic transfer application form informat...

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PUM

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Abstract

The invention discloses a hand-controlled payment method and a hand-controlled payment system. The hand-controlled payment system comprises multiple payment terminals, a hand-controlled payment core system, a city-wide payment system, a payer bank server and a receiving terminal bank server. The hand-controlled payment core system is used for requesting a paying bank to execute the fund freezing operation through the city-wide payment system when the hand-controlled payment core system receives an electronic fund transfer application submitted by any payment terminal and requesting the paying bank server to unfreeze the fund through the city-wide payment system and assisting to execute the fund transfer operation of the unfreezed fund when unfreezing conditions of the freezed fund are mature. The hand-controlled payment core system is further used for instructing the paying bank server to cancel the freezing state of the fund through the city-wide payment system and returning the unfreezing fund to a payment bank account when the hand-controlled payment core system receives a request message of canceling the freezing operation of the freezed fund within the fund freezing period and the request message is an effective message.

Description

technical field [0001] The present invention relates to the technical field of payment, and more specifically, to a control payment method and a control payment system. Background technique [0002] Due to the cumbersome procedures for handling electronic transfers at bank counters, especially for corporate users, it takes a lot of time to process large-amount fund transfers at bank counters. Therefore, if the financial personnel of the enterprise need to handle the electronic transfer business, they have to go to the bank counter to queue up early, which is laborious and time-consuming. The inefficient transfer procedures and the long waiting process make people miserable. Contents of the invention [0003] The technical problem to be solved by the present invention is to provide a control payment method and a control payment system for the above-mentioned defects of the prior art. [0004] The technical solution adopted by the present invention to solve the technical pr...

Claims

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/32G06Q20/38G06Q20/40
Inventor 赵明刚魏鸿义朱茵赖锋锋李玟臻
Owner 深圳票联金融服务有限公司
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