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Account allowance expenditure system and treatment method thereof

An expenditure and system host technology, applied in the account reservation expenditure system and its processing field, can solve the problems of low efficiency, low degree of automation, cumbersome procedures, etc., and achieve the effect of preventing losses and ensuring flexibility

Inactive Publication Date: 2006-03-22
CHINA MERCHANTS BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Its disadvantages are cumbersome procedures, low degree of automation and low efficiency

Method used

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  • Account allowance expenditure system and treatment method thereof
  • Account allowance expenditure system and treatment method thereof
  • Account allowance expenditure system and treatment method thereof

Examples

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Embodiment Construction

[0029] See figure 1 The account reserved payment system 100 of the present invention includes a bank card 301, a system host 110, the system host 110 includes a data storage device 111 for storing customer data, a data processing device 112 for processing customer transaction requests, and multiple interfaces 113, and the interface is connected to external financial institutions. Network 200 and transaction terminal 300; the transaction terminal includes Internet channels, self-service equipment (ATM, CDS, POS, mobile banking), counters and other special equipment (not shown in the figure). The data storage device 111 includes a built-in account device (not shown in the figure), and the data processing device 112 identifies the interface 113 for transmitting customer transaction requests, that is, identifies which external financial network the source of the customer transaction request belongs to, and then selects the built-in account The device is processed. And a company ...

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Abstract

The present invention is reserved account payment system and its processing method. The reserved account payment system includes bank card, and host computer comprising data memory device for storing client's data, data processing device for processing client's trade request and interfaces connected to external financial network and trade terminal. The data memory device has account stored, and the data processing device recognizes the client's trade request transmitting interface and processes the selected account. The present invention features that the built-in account unit in the data memory device has also line value memory unit with the account reservation line value and that the data processing device can recognize the client's trade request transmitting interface and processes the selected built-in account and line value memory unit. The present invention makes it easy for the client to pay various kinds of collected fee without delay.

Description

technical field [0001] The invention relates to an account reserved expenditure system and its processing method, in particular to a bank account reserved expenditure system with expenditure management and its processing method. Background technique [0002] At present, with the popularization of banking services, some necessary directional expenditures in life, such as water and electricity bills, telephone bills, gas bills, etc., do not require users to go to the provider unit to pay the bills in person every month. The common method now is to set up a bank account, tell the account to the unit that collects the fee, and conclude a relevant collection contract, and then store a certain amount of funds in the account regularly. At a fixed time every month, the relevant unit will directly deduct the relevant fees from the account. Doing like this brings great convenience to people. It is not necessary to go to waterworks, power bureaus, gas companies, telecommunications and...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G06Q20/00
Inventor 发明人请求不公布姓名
Owner CHINA MERCHANTS BANK