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Fund account and virtual wallet linkage processing method, device and system

A processing method and technology of funds, applied in the field of virtual wallets, can solve problems such as low efficiency, no real-time linkage between income and expenditure and capital accounts, and complicated operations, so as to save labor costs, improve transaction processing efficiency and capital use efficiency, and reduce manual effect

Pending Publication Date: 2022-06-17
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] There is no real-time linkage between the income and expenditure of the virtual wallet account and the capital account, and the transaction process relies too much on manual processing by financial personnel, resulting in low efficiency, cumbersome operations, and low capital utilization

Method used

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  • Fund account and virtual wallet linkage processing method, device and system
  • Fund account and virtual wallet linkage processing method, device and system
  • Fund account and virtual wallet linkage processing method, device and system

Examples

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Embodiment Construction

[0041] Embodiments of the present invention provide a method, device, and system for processing a linkage between a fund account and a virtual wallet, which can be used in the financial field and other fields. It should be noted that the method, device, and system for processing a linkage between a fund account and a virtual wallet of the present invention It can be used in the financial field, and can also be used in any field except the financial field. The application field of the method, device and system for the linkage processing between the fund account and the virtual wallet of the present invention is not limited.

[0042] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embo...

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PUM

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Abstract

The invention provides a fund account and virtual wallet linkage processing method, device and system, which can be used in the financial field or other technical fields. The method comprises: receiving a transaction request; wherein the transaction request comprises an income and expenditure mark, account information, transaction information and client information; according to the account information and a preset account relation table, determining an enterprise side fund account and a corresponding enterprise side virtual wallet; according to an income and expenditure mark and transaction information in the transaction request, fund transfer or fund recovery is carried out from an enterprise fund account to an enterprise virtual wallet; and according to the income and expenditure mark, the transaction information and the client information in the transaction request, fund transfer or fund recovery is carried out from the enterprise side virtual wallet to the client. According to the invention, by establishing the association relationship between the enterprise terminal fund account and the enterprise terminal virtual wallet, fund transfer processing between the fund account and the virtual wallet is realized, manual and repeated work is reduced, the labor cost is saved, and the transaction processing efficiency and the fund use efficiency are improved.

Description

technical field [0001] The invention relates to the technical field of virtual wallets, in particular to a method, device and system for the linkage processing of a fund account and a virtual wallet. Background technique [0002] In modern industry, commerce and daily economic activities, virtual wallets are gradually being widely used in purchasing and selling goods, providing or receiving services and other business activities. [0003] As the main body of the market economy, enterprises are gradually driven to diversify their daily economic transactions. At present, in the economic exchanges with the customer's virtual wallet account, when paying money to the customer's wallet (or initiating passive payment by the transaction terminal), the enterprise needs to initiate a fund transfer instruction to transfer money to the virtual wallet. After the virtual wallet is recharged , and then initiate a payment instruction to complete the payment to the customer's wallet; when t...

Claims

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/36G06Q40/04
CPCG06Q20/10G06Q20/367G06Q40/04
Inventor 姜琳琳
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA