Electronic bank collection system and collection method thereof

Abstract

The invention discloses an electronic bank collection system and a collection method thereof, and solves the problem of expense charging from a bank collection user for medium and large-sized service-oriented enterprises and institutions. The electronic bank collection system comprises a user management module, a collection service pretreatment module, a write-off management module, a real-time comprehensive inquiry module, a report management module, an ABI interface processing module and an automatic write-off interface module. According to the electronic bank collection system, the risk that the current enterprise and public institution makes a mistake in a collection service artificial handling process is effectively reduced, the bank collection service handling period is shortened, fast return of the fund is accelerated, the one-time success rate of collection is increased, and the electronic bank collection system can better serve for a signed client and first marketing support personnel and financial management personnel in the enterprise and public institution.

Description

technical field [0001] The invention relates to an electronic bank collection system and a collection method thereof. Background technique [0002] With the rapid development of the Internet and electronic payment technology, the payment methods of users are increasing day by day. Guarantee, promotion of VIP customer service perception, and shaping of corporate image play a pivotal role. Although the bank payment business is relatively mature at present, because its services are developed and provided by various banks, there is a lack of unified standards and platforms. Service-oriented enterprises and institutions need to open their own different interfaces and dedicated lines for them. When consulting and complaining, it is necessary to manually coordinate various banks, and the management and operation costs are relatively high. At the same time, the small batch payment system built by the People's Bank of China has been vigorously promoted in state-owned and commercial...

AI Technical Summary

Problems solved by technology

However, the services provided by the Centralized Collection and Payment Center of the People's Bank of China require all enterprises and institutions to log in to the client provided by them to operate. The business processing process, whether it is from agreement transfer, consignment deduction, return of consignment, write-off processing, or invoice The transfer requires a dedicated person and a dedicated station for manual processing, which seriously affects the normal expansion of this type of business in enterprises and institutions, as shown in:

[0003] 1) The entire manual processing process is long, the return of business income funds is slow, the risk of arrears is high, and there is a high risk of manual operation errors

[0004] 2) The three-party agreement transmission, entry and three-party simultaneous verification process between customers and banks, enterprises and institutions is long, resulting in delays in deduction of customer consumption expenses, and poor user perception

[0005] 3) The customer cannot receive the invoice information of the deduction in time, which affects their reimbursement and account transfer process. Such complaints are increasing day by day, and the service pressure is relatively high

[0006] 4) Failure to notify customers and the front-line marketing service personnel of enterprises and institutions after the failure of deduction from the customer's bank account, resulting in outdated arrears in some units, which affects the income indicators of enterprises and institutions

Images