Payment information processing method and system and prepaid card processing method with performance bond insurance mechanism

Abstract

A prepaid card processing method with performance bond insurance mechanism includes a message queue subscription message is pushed to a settlement bank and complete order information corresponding to a prepaid card after payment of a consumer is received; in each consumption link, a merchant terminal sends consumption task list information to a third party processing platform, the third party processing platform acquires clearing amount through the task list ID and the clearing amount needs to be pushed to the settlement bank for fund settlement, and the order sum of a paid order is split into different channels. The prepaid card processing system is a whole set of information management integrated application software system solving a prepaid card performance bond insurance problem. Through deal by deal, person by person, process by process saving and feeding back of information of prepaid card issuing enterprises or merchants and seamless joint with an insurance company core service system, a third party payment mechanism fund payment system and a bank fund supervision system, application of the mechanism of prepaid card performance bond insurance is ensured.

Description

technical field [0001] The invention relates to the technical field of online payment, in particular to a payment information processing method and system. Background technique [0002] Existing payment systems or methods generally belong to dedicated payment software, such as Alipay, WeChat payment, etc., which are often used for payment, withdrawal and other operations, and often directly interface with various banks. For example, recharging is to debit the user through the payment interface with a bank. After the deduction is successful, the amount is deposited into the general account of Alipay or WeChat wallet, and the corresponding user's amount is changed. [0003] This method is still to establish a general account of the payment system, and the user opens several sub-accounts under the general account. When performing operations with each payment bank, payment and transfer must be made through the general account, so that the user can use the These payment methods ...

AI Technical Summary

Problems solved by technology

[0014] The first purpose of the present invention is to provide a prepaid card processing method with a performance guarantee insurance mechanism to solve the technical problem of existing prepaid cards that there is no corresponding technology and overall solution mechanism for prepaid cards in the prior art

[0015] The purpose of the present invention is to provide a service consumption payment information processing method and system to solve the confusion and inconvenience of account management in the existing service consumption payment system when processing a large amount of data. During the payment process, the bank directly calls the database of the server. The problem of data causing high pressure on the server

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