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Instant refunding method and device

A technology of total amount and amount, applied in the field of instant refund method and device, can solve problems such as refund restrictions, achieve the effect of improving efficiency and reducing capital risk

Inactive Publication Date: 2017-06-20
SHENZHEN 80S NETWORK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The present invention provides an instant refund method and device, aiming to solve the problem that the refund is restricted due to the condition of satisfying bank supervision

Method used

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  • Instant refunding method and device

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Embodiment Construction

[0020] In order to make the purpose, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. The embodiments described above are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative efforts shall fall within the protection scope of the present invention.

[0021] see figure 1 , figure 1 This is a schematic diagram of the implementation flow of the instant refund method provided by the first embodiment of the present invention. The instant refund method provided in this embodiment can be applied to a third-party payment platform (hereinafter referred to as a third-party platform). The third...

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Abstract

The invention provides an instant refunding method and device, and the method comprises the steps: querying the total amount of fund entering a current account on that day when a refunding request is received; calculating the difference between a refunding amount and the total amount if the total amount is less than the refunding amount requested by the refunding request, and displaying a payment interface, so as to indicate the payment different to the current account; transmitting the refunding request to a bank server after the payment is detected to be completed, so as to enable the bank server to execute refunding. The invention also provides an instant refunding device, and the device can improve the refunding efficiency under the condition that the refunding safety is guaranteed.

Description

technical field [0001] The present invention relates to the technical field of electronic terminals, and in particular, to an instant refund method and device. Background technique [0002] With the development of computer and Internet technology, electronic payment has become a common payment method for consumers. Electronic payment refers to the use of secure electronic means between consumers, merchants and financial institutions to securely transmit payment information to banks or corresponding banks through information networks. The processing institution to realize the behavior of currency payment or capital flow. The flow of funds is completed under the supervision of the bank. In the existing technology, after the payment by individual users is completed, the flow of funds is as follows: [0003] Personal user payment → bank merchant number → bank settlement system (T+1 automatic settlement) → various merchants. [0004] Due to the requirements of the national fina...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/22G06Q20/38
CPCG06Q20/227G06Q20/38G06Q20/403
Inventor 邵和明王铁岩戴丛磊贝金雨王福楠
Owner SHENZHEN 80S NETWORK TECH