Transfer transaction processing method and system

Abstract

The invention discloses a transfer transaction processing method and system. When a transfer user transfers accounts through the electronic payment platform, a delayed transfer transaction can be selectively initiated, and the electronic payment platform can create a timer and start timing according to the delay duration specified by the transfer user while deducting money from the account of thetransfer user. Before the timer finishes timing, once finding that the user may be fraudulent, the user can initiate a fraudulent transaction complaint to the electronic payment platform, and the electronic payment platform responds to the fraudulent transaction complaint and controls the timer to pause timing. Moreover, before the timer finishes timing, the electronic payment platform can stop the delayed transfer transaction once receiving a transaction stop instruction sent by the transaction supervision party to the delayed transfer transaction, and returns the deducted money to the transfer user.

Description

technical field [0001] The embodiments of this specification relate to the field of information technology, and in particular, to a method and system for processing transfer transactions. Background technique [0002] In real life, it often happens that users transfer money to criminals due to fraud (such as telecommunication fraud). In this case, the user often realizes that he has been cheated after the transfer. At this time, if the account of the criminal has received the funds transferred by the user, the criminal may have already transferred the funds in the account, resulting in It is very difficult for users to recover their lost funds. [0003] In order to give users enough reaction time to identify fraud, banks generally support the delayed arrival function. Specifically, when the user initiates a transfer through the bank, he can also set a delay in the arrival of the funds. For example, if the funds are set to arrive after 24 hours, this means that the transfer...

AI Technical Summary

Problems solved by technology

[0005] In order to solve the problem that it is difficult for users who transfer funds to criminals through the electronic payment platform to recover the funds lost due to fraud, the embodiment of this specification provides a transfer transaction processing method and system, and the technical solution is as follows:

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