Payoff service management system and method

Abstract

This invention relates to a payment management system used in providing payment service to the gathering units and bank payment platforms including: a central database, a communication module, a cipher module, a payment service module and a business recording management module, in which, a payer provides a payer identifying number different from the bank account information to the gathering unit, which sends a request for the money to the platform via the system and the platform processes the request then feeds back the information about if the payment is successful. When a payer pays the money or transfers accounts, it can finish them smoothly and safely by providing the identification number of the payer to the gathering unit only without inputting the bank accounts information, the system can provide different kinds of identification numbers according to the needs of payers and multiple gathering units can accept multiple payment ways of the payers after connecting with this system platform.

Description

technical field [0001] The invention relates to a computer processing system and method, in particular to a computer system and method for providing payment services. Background technique [0002] At present, it is more and more common to make payments and transfers through banks. Banks read the magnetic stripe information of passbooks or magnetic stripe cards, IC card information and identify bank account information through POS, ATM or at the counter to perform corresponding operations. With the popularization of telephone banking and online banking, banks have also begun to read bank account information through telephone and Internet. [0003] In the above way, the information including the real information of the payer's bank account is transmitted directly to the bank. In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, pro...

AI Technical Summary

Problems solved by technology

In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, providing real account information will bring inconvenience to the payer, such as payment Those who cannot accurately remember the account information, or do not carry passbooks or bank cards, etc.

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