Method and system for withdrawing deposits within 24 hours

Abstract

The present invention proposes a 24-hour withdrawal method and system. The method includes the following steps: receiving a cash withdrawal request from a user, and recording the receiving time of the cash withdrawal request; judging whether the receiving time is within a preset time range, and if so, withdrawing cash through a preset method; if not, suspending receiving the cash withdrawal from the user Request, and calculate the corresponding account reserve amount according to the unwithdrawn amount and the withdrawn amount of each bank that opened the payment center account in the default payment system on the day, and generate the corresponding fund transfer request of each bank according to the account reserve amount, so as to Make the balance of each bank payment center account reach the corresponding account reserve amount, and then continue to receive the withdrawal request from the user, and withdraw the cash through the preset method. According to the method and system of the present invention, the user's cash withdrawal or transfer is no longer subject to the limitation of the running time of the large-amount system, which effectively improves the cash withdrawal speed and processing efficiency of funds.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a 24-hour withdrawal method and system. Background technique [0002] With the rapid development of Internet e-commerce, users have more and more needs for cash withdrawal, and the requirements for real-time and efficiency in the cash withdrawal process are also getting higher and higher. In order to meet the transaction needs of users, the People's Bank of China provides a large-amount payment system, which uses modern computer technology and communication networks to quickly process large-amount credits, emergency small-amount credits, and other payment services between banks in the same city or in different places. So as to provide fast, efficient, safe and reliable payment services to banks, enterprises and financial markets. However, the large-amount payment system will be closed after 17:00 every day, that is, the large-amount payment business processed by the customer befor...

AI Technical Summary

Problems solved by technology

However, the large-amount payment system will be closed after 17:00 every day, that is, the large-amount payment business processed by the customer before 17:00 pm on the business day can reach the receiving bank in real time. When the large-amount system is closed, it cannot pass through the large-amount system. Perform normal transfers, which affects the withdrawal speed and processing efficiency of funds

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