System and method for implementing certified good payment through network

Abstract

A system used for realizing confirmed payment on network comprises data storage unit for storing network confirmed payment protocol and network confirmed transaction information; data processing unit for fetching information from data storage unit according to information received from transaction terminal and for carrying out sign and issue, ownership transfer and cashing of network confirmed payment according to fetched information. The method for carrying out confirmed payment on network is also disclosed.

Description

technical field [0001] The present invention relates to the technical field of credit payment and financing in financial services, and in particular to a system and method for realizing online guaranteed payment. It is a tool for guaranteeing payment and settlement between enterprises. Background technique [0002] With the continuous development of the financial industry, bills, as a settlement tool for inter-enterprise credit payment, have developed rapidly. Among them, bank acceptance bill is a kind of financial bill with high credibility, high liquidity and high liquidity. [0003] Bank acceptance bills refer to a financial settlement tool that must be unconditionally honored on the due date of the bill after the bank sees it. The basic process is as follows: the drawer fills in the bank acceptance draft, applies to the paying bank or presents for acceptance; after the bank checks that it is correct, it signs a bank acceptance agreement with the drawer, and stamps the ...

AI Technical Summary

Problems solved by technology

However, the physical characteristics of paper bills make them easy to be forged in the process of delivery and process, and the security is poor

Banks have to invest a lot of manpower and material resources to identify the authenticity of bills and avoid the risk of passing and forgery in the circulation of bills, which not only greatly increases the transaction costs of banks, but also affects the normal circulation of bills to a certain extent.

In addition, the characteristics of paper bills and bills also increase the transaction cost of customers

[0005] Therefore, it is necessary to create a new type of settlement tool, which can not only retain the high credit, high circulation capacity and high liquidity of bank acceptance bills, but also solve the problem that paper bills are easy to be forged, avoid bill risks, and improve bill operation methods , enhance the security of settlement business, accelerate the speed of fund settlement, and reduce the cost of banks and enterprises

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