Payoff service management system and method

A service management and payment platform technology, applied in the field of computer processing systems, can solve the problems of the payer being unable to accurately remember account information, not carrying a passbook or bank card, and the payer being inconvenient.

Inactive Publication Date: 2006-04-12
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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,

Method used

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  • Payoff service management system and method
  • Payoff service management system and method
  • Payoff service management system and method

Examples

Experimental program
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Embodiment Construction

[0056] see figure 1 , which is shown as a network architecture diagram of the system of the present invention; the collection unit 10 is connected to the bank payment platform 30 through the payment service management system 20; the collection unit 10 sends a payment request to the bank payment platform 30 through the payment service management system 20 After processing the payment request, the bank payment platform 30 will feed back information on whether the payment is successful to the collection unit 10 through the system 20 .

[0057] see figure 2 , which is shown as a structural diagram of the system of the present invention. The payment service management system 20 of the present invention includes a central database 1, a communication module 2, a payment service module 3, a transaction record management module 4, an encryption module 5, and a file sending and receiving module. Processing module 6, file cache area 7; communication module 2 is connected with encryptio...

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PUM

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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...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06Q40/00G06Q20/08G06Q40/02
Inventor 柴洪峰刘钟徐晋耀徐蓉崔维
Owner CHINA UNIONPAY
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