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Fund receipt and payment settlement method and system

A fund and collection account technology, which is applied in the field of fund receipt, payment and settlement, can solve problems such as the reduction of transfer efficiency, and achieve the effect of simplifying fund transfer operations and fast payment and settlement business

Active Publication Date: 2021-02-09
上海欧冶金诚信息服务股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, with the rapid development of the third-party payment industry, payment customers have continuously improved the timeliness requirements for funds. Using the existing method of transferring funds through merchant payment accounts requires transfer transactions to different merchants one by one. When the merchants, the transfer efficiency of the existing method is greatly reduced

Method used

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  • Fund receipt and payment settlement method and system

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Embodiment

[0036] figure 1 It is a flow chart of the fund receipt and payment settlement method in the embodiment of the present invention, such as figure 1 As shown, a fund receipt and payment settlement method includes:

[0037] Step 101: Obtain the identity information of the paying customer.

[0038] Step 102: Open a merchant collection account associated with the paying customer according to the identity information of the paying customer, and send the merchant collection account to the paying customer.

[0039] Step 103: Receive the customer funds paid by the paying customer to the receiving account of the merchant, and receive the receiving account information sent by the paying customer.

[0040] Step 104: According to the collection account information, distribute the customer funds paid by the merchant collection account on demand, and transfer the allocated funds to the merchant collection account corresponding to the collection account information.

[0041] Among them, aft...

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Abstract

The invention discloses a fund receipt and payment settlement method and system. The method comprises the following steps: acquiring identity information of a payment client; opening a merchant collection account associated with the payment client according to the identity information of the payment client, and sending the merchant collection account to the payment client; receiving client funds paid to a merchant collection account by the payment client, and receiving collection account information sent by the payment client; and according to the collection account information, allocating customer funds paid by a merchant collection account as required, and allocating the allocated funds to the merchant collection account corresponding to the collection account information. By adopting the method and the system provided by the invention, through a non-account fund settlement service architecture mode, the payment settlement service can be carried out more flexibly and quickly, and thefund transfer operation of the payment client is simplified.

Description

technical field [0001] The invention relates to the technical field of fund receipt and payment settlement, in particular to a method and system for fund receipt and payment settlement. Background technique [0002] The payment institution is a company issued by the People's Bank of China with a franchise license to carry out payment and settlement business, and the payment account is opened by the payment institution according to the true wishes of the customer. Electronic bookkeeping of transaction details, in essence, a payment account is a virtual account opened by a customer with a payment institution. When a payment institution conducts payment and settlement business, it generally adopts the method of opening a payment account for customers to carry out corresponding transaction business. [0003] However, with the rapid development of the third-party payment industry, payment customers have continuously improved the timeliness requirements for funds. Using the exist...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/10G06Q20/40G06Q40/02G06Q10/06
CPCG06Q20/023G06Q20/4014G06Q10/0635G06Q40/02G06Q20/102G06Q20/10
Inventor 李松亚高铭阳裴茹黄国珉陈国俊
Owner 上海欧冶金诚信息服务股份有限公司
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