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A method and apparatus for authorizing a third party payment system to make bank transfers

A payment system and bank account technology, applied in the payment system, payment system structure, payment circuit, etc., to reduce transaction risks, improve security, and improve the transfer environment

Inactive Publication Date: 2019-01-04
SHENZHEN BAIBAOLANG JEWELRY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Aiming at the shortcomings of the existing methods, the present invention proposes a method and device for authorizing a third-party payment system to perform bank transfers to solve the above-mentioned problems existing in the prior art

Method used

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  • A method and apparatus for authorizing a third party payment system to make bank transfers
  • A method and apparatus for authorizing a third party payment system to make bank transfers
  • A method and apparatus for authorizing a third party payment system to make bank transfers

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Effect test

Embodiment 1

[0043] Such as figure 1 As shown, a method for authorizing a third-party payment system for bank transfer according to an embodiment of the present invention is provided, including the following steps:

[0044] S101 Respond to the user's request to bind the first bank account and the second bank account to the third-party payment system;

[0045] Verify that the user binds his first bank account and second bank account to the data message requested on the third-party payment system;

[0046] Perform public key authentication and private key authentication.

[0047] S102 Sending and obtaining a request from the first bank and the second bank to authorize the third-party payment system to transfer funds between the first bank account and the second bank account of the same user;

[0048] S103 Obtain a request from the user to transfer funds in the first bank account to the second bank account;

[0049] S104 responding to the user's request to transfer funds in the first bank ...

Embodiment 2

[0055] Such as figure 2As shown, a device for authorizing a third-party payment system for bank transfer according to another embodiment of the present invention is provided, including:

[0056] The first response module A201 is used to respond to the user's request to bind the first bank account and the second bank account to the third-party payment system;

[0057] The first response module A201 includes a verification unit,

[0058] The verification unit is used to verify the data message requested by the user to bind the first bank account and the second bank account to the third-party payment system;

[0059] The verification unit performs public key verification and private key verification.

[0060] The authorization processing module A202 is used to issue and obtain a request from the first bank and the second bank to authorize the third-party payment system to transfer the funds in the first bank account and the second bank account of the same user to each other; ...

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Abstract

The invention provides a method and a device for authorizing a third party payment system to make bank transfer, The method comprises the steps of: At the request of the user to bind his first bank account and the second bank account to the third party payment system, issuing and obtaining a request from a first bank and a second bank authorizing a third party payment system to transfer funds in afirst bank account and a second bank account of the same user to and from each other, acquiring a request by a user to transfer funds in the first bank account to the second bank account, and responding to the request by the user to transfer funds in the first bank account to the second bank account. As the Internet is used as a service information link and connection, the transfer environment isimproved by associating a third party and various banking systems, which not only simplifies operation, but also improves resource share rate and is convenient for the general public.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to a method and device for authorizing a third-party payment system to perform bank transfer. Background technique [0002] In recent years, electronic payment has gradually replaced traditional commercial payment methods, such as cash and bank transfer, due to its fast and efficient features. my country's electronic payment industry has entered a new era of vigorous development. The modern payment system jointly constructed by third-party payment platforms, UnionPay and various banks provides convenient channels for the development of finance and commerce. The electronic payment system occupies a broad application market with its various functional modules, rich merchant resources, and strong technical support. Among them, the sudden emergence of third-party payment platforms is very popular. First of all, the third-party payment has various functions and cooperates with many merc...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/06G06Q20/10G06Q20/38
CPCG06Q20/023G06Q20/065G06Q20/10G06Q20/3829
Inventor 黄卫平
Owner SHENZHEN BAIBAOLANG JEWELRY
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