Bill direct discounting method and system based on bidding mode

Abstract

The invention particularly relates to a method and system for direct billing based on a bidding mode. The method includes the following steps: obtaining the bank account of the transaction initiator and the ticket number of the bill to be traded; obtaining the transaction object; verifying the bill to be traded, and generating the target transaction bank and transaction price after the verification is passed; When the bill to be traded is deposited in the escrow account, sign for the bill, send a discount message to the target transaction bank, then open a second escrow account in the default bank, and transfer the money from the first bank after receiving the instruction of the default bank. An escrow account is transferred to the bank account of the transaction initiator through the second escrow account, and the instruction indicates that the bills in the first escrow account have been withdrawn by the target transaction bank, and the first escrow account is deposited with the money consistent with the transaction price . The invention not only improves the efficiency and success rate of bill direct discounting, but also facilitates discounting with the lowest interest discount cost, thereby increasing enterprise income.

Description

technical field [0001] The invention relates to the field of computers, in particular to a method and system for bill direct posting based on a bidding mode. Background technique [0002] Discount refers to the long-term bills, including bank acceptance bills and commercial bills, after acceptance, the holder of the draft transfers it in the discount market before the bill expires, and the transferee pays the bill to the transferee after deducting the discount interest. The act or business of a bank buying undue bills. Bill discounting can be divided into three types, which are direct discount, rediscount and rediscount. Direct discount means that the holder of the bank acceptance bill transfers the rights of the bill to the bank in order to obtain funds before the bill expires. The bill behavior is a way for the bearer to obtain funds from the bank. The traditional way of direct posting includes the following steps: First, communicate with multiple banks by telephone to d...

AI Technical Summary

Problems solved by technology

Therefore, most of the traditional direct posting methods are offline operations, and it takes a long time for each node, which is not conducive to the completion of direct posting transactions

At the same time, in order to facilitate the rapid financing of enterprises, the country has canceled the requirement of trade background. Therefore, how to ensure the safety of funds during the discounting process, how to improve the efficiency and success rate of discounting, and how to save time and cost have all raised questions for the existing bill direct discounting method. new challenge

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