Bill discounting method and system based on fixed price mode

Abstract

The invention relates to a bill discounting method and a system based on a fixed price mode. The method comprises the following steps: acquiring the bank account of a transaction initiator and the number of a bill to be traded; acquiring at least one transaction object; generating a target transaction bank and a transaction price; opening a first escrow account; when the bill to be traded is deposited into the first escrow account, signing for the bill, and sending a discounting message to the target transaction bank; opening a second escrow account in a preset bank; and when an instruction is received from the preset bank, transferring money from the first escrow account to the bank account of the transaction initiator via the second escrow account, wherein the instruction shows that the bill in the first escrow account has been withdrawn by the target transaction bank and money consistent with the transaction price has been deposited into the first escrow account. The efficiency and the success rate of bill discounting are improved. It is easy for multiple banks to bid online. A bill can be discounted at the lowest discount cost. The income of enterprises is increased.

Description

technical field [0001] The invention relates to the field of computers, in particular to a method and system for bill direct paste based on a buy-it-yourself model. 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 telepho...

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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