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Method and system for fund receipt and payment settlement

A technology of funds and amounts, applied in the payment system, payment system structure, resources, etc., can solve problems such as the reduction of transfer efficiency, and achieve the effect of rapid development and simplification of fund transfer operations

Active Publication Date: 2022-02-22
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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  • Method and system for fund receipt and payment settlement

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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 includes: obtaining the identity information of the paying customer; opening a merchant collection account associated with the paying customer according to the paying customer's identity information, and sending the merchant's collection account to the paying customer; receiving the payment from the paying customer to the merchant's collection account Customer funds, and the receiving account information sent by the receiving payment customer; according to the receiving account information, the customer funds paid by the merchant's receiving account are allocated on demand, and the allocated funds are transferred to the merchant corresponding to the receiving account information in the receiving account. By adopting the method and system of the present invention, the payment and settlement business can be carried out more flexibly and quickly through the non-account fund settlement service structure, and the fund transfer operation of the paying customer 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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Patent Type & Authority Patents(China)
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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